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Enjoy every part of your journey.

A weekend getaway or a long-awaited adventure. Compare accredited plans with clear benefits and comprehensive protection.

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One Insurance · Travel

Travel Insurance Terms & Conditions

By clicking the agreement checkbox, you acknowledge and agree to the following terms and conditions:

Online Booking Terms and Conditions

You agree to provide accurate and complete information during the booking process. All bookings are subject to availability and confirmation. You are responsible for ensuring that all traveler information is correct before submission.

Conditions of Carriage

Travel is subject to the conditions of carriage of the respective carriers. These conditions may limit or exclude liability for death, injury, delay, loss, or damage to baggage.

Out-of-Sequence Policy

Tickets must be used in the sequence shown on the itinerary. Failure to use any portion of the ticket in sequence may result in the cancellation of remaining segments without refund.

Fare Rules and Most Restrictive Fare Rule

All fares are subject to specific rules and restrictions including, but not limited to, advance purchase requirements, minimum and maximum stay requirements, and change/cancellation penalties. The most restrictive fare rule applies when multiple fare types are combined.

Travel Insurance

Travel insurance coverage is provided as per the selected plan. Coverage includes medical expenses, trip cancellations, delays, and other benefits as specified in your policy document. Please review your policy carefully to understand coverage limits and exclusions.

Cancellation and Refund Policy

Cancellations must be submitted in accordance with the terms of your insurance policy. Refunds, if applicable, will be processed according to the policy terms and may be subject to administrative fees. Refund requests must be submitted within the timeframe specified in your policy.

Prohibition on Hazardous Materials

You agree not to carry or attempt to carry any hazardous materials, dangerous goods, or prohibited items as defined by international aviation regulations and local laws. Violation of this prohibition may result in legal action and denial of coverage.

Data Privacy Policy

We are committed to protecting your personal information in accordance with the Data Privacy Act of 2012 (Republic Act No. 10173). By agreeing to these terms, you confirm that you have read and understood our Data Privacy Policy and give your consent to the collection, use, monitoring, recording, and disclosure or transfer of your Personal Information for the following purposes:

  • Processing your insurance application and policy
  • Providing customer service and support
  • Complying with legal and regulatory requirements
  • Improving our services and products
  • Communicating with you about your policy and related services

Third-Party Booking Authorization

If you are booking for third parties and/or co-passengers, you attest that you have the authority to disclose and share their Personal Information to us and our service providers in accordance with our Data Privacy Policy. You confirm that you have obtained the necessary consent from all travelers to share their information for the purposes of processing their travel insurance.

Payment Terms

By utilizing the IFRC Digitech Online Payment Gateway, you agree to adhere to the payment terms and conditions. This service facilitates the remittance of insurance premiums through secure electronic payment methodologies. All payments are processed in accordance with our payment gateway terms and conditions.

Contact Information

For any inquiries or concerns regarding these terms and conditions, please contact us:

  • Email: concierge@ifrcinsurance.com
  • Phone: +632 8633 5681
  • Address: 6th Floor Padilla Building, F. Ortigas Jr. Road, Ortigas Center, Pasig City

These Terms and Conditions shall be construed and governed in accordance with the laws of the Republic of the Philippines. We reserve the right to amend these terms at any time, and all revisions shall be communicated through our official channels.

From ₱299Comprehensive protection per trip
Underwritten by:Pacific Cross · Oona · Malayan
Licensed by Insurance Commission · Lic. 2024/01-R

Key Coverages

Cover for the journey ahead.

Compare verified benefits that protect against unexpected travel delays, medical concerns, and baggage disruptions.

Medical emergencies

Cashless hospitalisation, outpatient consultations, and emergency repatriation while away from home.

Trip disruptions

Reimbursement for covered flight delays, cancellations, and trip interruptions before and during travel.

Baggage & personal effects

Allowances for delayed luggage after 6 hours and compensation for damaged or lost belongings.

Personal accident

Lump-sum benefits and accidental death & disablement protection up to plan maximums.

Benefits depend on the selected underwriter and plan tier. Review the policy wording, conditions, and exclusions prior to purchasing.

A Filipino family enjoying a quiet walk together along the beach

One Insurance · Travel

More time for what matters.

Choose your cover. Enjoy the people and places ahead.

Clear choices
Compare cover, limits, and terms.
One simple journey
From trip details to policy, in one place.
Details close by
Keep your policy and assistance contacts handy.

From trip details to take‑off.

Five straightforward steps from selecting your destinations to receiving your official policy and certificate.

  1. Step 1: 1. Trip details

    Enter your destination, departure and return dates, and traveller count.

  2. Step 2: 2. Choose a plan

    Compare live plans side by side, review medical limits and Schengen eligibility, then choose your tier.

  3. Step 3: 3. Generate quote

    Add optional riders and fill in traveller passport & beneficiary details to create your proposal.

  4. Step 4: 4. Review quote

    Inspect your locked proposal, verify traveller information, and confirm the final premium.

  5. Step 5: 5. Payment & issuance

    Pay via GCash, Maya, cards, or bank channels and instantly download your Certificate of Cover (eCOC).

FAQs

Frequently asked questions

Key questions about coverage, eligibility, and claims. Your selected policy wording remains the authoritative source.