These expenses shall be based on cashless basis as arranged in accredited network of medical providers worldwide. Emergency expenses refer to services which may require transferring or repatriating of insured back to the Philippines or to a properly-equipped facility.

Any accident or sudden illness which may require evacuation back to the Philippines or transferring to a properly equipped health facility, or repatriation to the Philippines of mortal remains will be covered based on policy.

Any accident or sudden illness which may require evacuation back to the Philippines or transferring to a properly equipped health facility, or repatriation to the Philippines of mortal remains will be covered based on policy.

Payment for each 24-hour hospital confinement due to injury or illness (up to ten [10] days)

Payment of expenses incurred for the purchase of clothing and toiletries if the checked-in baggage has been delayed for more than twelve (12) hours. Payment for each 6-hour delay of flight due to severe weather condition, natural disasters, or equipment failure.

Payment for the loss and damage of checked-in baggage and personal effects, and is not covered by the airline baggage limit of liability.

The payment of the non-refundable portion of travel arrangement to be cancelled due to illness, or death of the insured or immediate family member.

Payment of non-refundable portion of travel arrangement after the start of travel or holiday due to serious illness and bodily injury, or death of the insured or immediate family member.

The cost to replace lost passport and/or other travel-related documents plus hotel accommodation, travel, and communication expenses.

In the event of hospitalization for more than five (5) days as a result of injury or illness, the Company will pay for the reasonable cost of expense for transportation and accommodation of an immediate family member to the place of hospitalization of the in-patient.

In the event of hospitalization for more than five (5) days as a result of injury and accompanied by a minor, the Company will pay for the reasonable cost of expense for transportation and accommodation of an immediate family member to care for the minor.

TravelFirst is a non-life travel insurance policy designed to protect you financially during your trip. It covers unexpected events such as medical emergencies, trip cancellations, baggage loss, travel delays, and more – helping you travel with confidence and peace of mind.

TravelFirst insurance is available to individuals or groups traveling within the Philippines or abroad, subject to eligibility. Travelers aged over 60 require prior approval. For assistance, please contact us at [email protected].

It’s best to purchase your policy as soon as you’ve confirmed your trip. This ensures you’re covered for pre-departure events such as trip cancellations.

No, TravelFirst must be purchased before you depart. Coverage is not available once your trip has already started.

TravelFirst offers the following benefits, with limits depending on your chosen policy plan:
• Medical and Emergency Expenses
• Emergency Evacuation and Repatriation
• Accidental Death or Disablement (Personal Accident)
• Daily Hospital Confinement Allowance
• Travel Delays
• Baggage Delays
• Trip Cancellation
• Trip Curtailment or Termination
• Loss of Travel Documents
• Compassionate Visit
• Child Guard

Yes, medical and emergency expenses related to COVID-19 are covered.

No, TravelFirst does not cover any claims arising from pre-existing medical conditions.

To file a claim:
• Notify PhilFirst or the emergency assistance provider immediately.
• Complete the claims form.
• Submit the required documents such as medical reports, receipts, boarding passes, or police reports.
Full details are outlined in your policy schedule or available on the PhilFirst website.

Call our 24/7 emergency assistance provider, Pacifico, immediately at +63 2 8459 4799. Assistance includes hospital referrals, payment coordination, and emergency evacuation. Have your passport or ID number, assistance card number, and full name ready when you call.

Claim processing typically takes 7 to 30 working days, depending on the nature of the claim and whether all required documents have been submitted.

Yes, you can extend your coverage as long as you request the extension before your policy expires and your current health and trip status remain within eligibility requirements.

Yes, you may cancel your policy before your trip’s start date. Refunds and any applicable cancellation fees will depend on the policy terms and administrative guidelines.

Yes, PhilFirst offers travel insurance for domestic trips, as long as your destination is at least 150 km away from your usual place of residence.

TravelFirst insurance can cover a trip up to 180 days from the date of departure.