Your Most Common Questions Answered
What is your recommended plan for trips to Schengen countries?
We recommend Worldwide Elite. It offers Euro and Dollar plans that are Schengen-approved. The Plans are designed to provide you with comprehensive travel benefits that give protection for your trips to international destinations, including Schengen countries.
Do you have travel plans for Senior Citizens?
Yes. All of our TravelSafe plans provide coverage from infants to seniors. Choose your travel plan depending on your area of travel. Published Premiums are for 0 to 75 years old. For 76 years old and above, please get in touch with our Travel Sales Team through e-mail or telephone no. +63 917-116-3414. Our representatives will be happy to assist you and provide more details such as your benefits and premiums.
I purchased a Travelsafe plan, when does teh insurance coverage take effect?
The insurance coverage will commence seven (7) hours prior to your scheduled departure time indicated in your travel ticket or the effective date specified in your Policy Schedule or Official Confirmation of Coverage (OCC). While insurance coverage will commence seven (7) hours prior travel, benefits such as Trip Cancellation and Trip Cancellation for Any Reason immediately take effect upon payment of your premium. This applies to Single Trips and Multi-Trips.
My flight or train schedule was delayed due to technical failure of aircraft or train, can I file a claim?
Yes, you can file a claim under the Flight Delay benefit. The Company will pay the amount stated in the Policy Schedule or in the OCC for more than six (6) hours delay as a result of flight delay due to technical failure of aircraft or train. An example would be if you were not able to board on time because the train broke down. Please note that the delay should be supported by an official Irregularity Report from the airport or rail authority.
I am sick and unfit to travel for a scheduled business trip. If I cancel my trip, can I file a claim?
Yes, you can file a claim under the Emergency Trip Cancellation benefit. You are eligible to this benefit if the trip was cancelled within 30 days before the scheduled departure date as stated in the Policy Schedule or OCC. Being unfit to travel on the same day of the departure date is also acceptable. Please note that the cancellation should be supported by a physician’s written declaration of patient being unfit to travel for the past seven (7) days immediately before or on the scheduled departure date.
I got hospitalized due to COVID-19, am I eligible for any benefit?
Yes, Pacific Cross will pay for COVID-19 in-patient care up to the limit of the Medical Treatment Benefit. Under Hospital Income Benefit, you can also claim a daily cash allowance for up to 10 consecutive days of hospitalization.