travel insurance
Do You Really Need Travel Insurance? A Guide for Filipinos
Planning to travel abroad? Let’s talk about an essential yet often overlooked aspect of your trip: travel insurance.
The answer is a resounding YES!
If you can’t afford travel insurance, it might be time to rethink that getaway. You can even find plans for less than $50 a month!
The answer is a resounding YES!
If you can’t afford travel insurance, it might be time to rethink that getaway. You can even find plans for less than $50 a month!
So, you’ve booked your flights and hotels, packed your bags weeks in advance—feeling ready to hit the road?
But wait! Have you forgotten something important?
But wait! Have you forgotten something important?
You never know what might happen while you’re away.
I learned this the hard way during a car accident in Pakistan that led to surgery, medications, a wheelchair, and a last-minute flight home.
The total cost? Over $15,000!
Thankfully, my insurance took care of payments directly with the hospitals in Thailand and the NHS in the UK, saving me from draining my savings.
Thankfully, my insurance took care of payments directly with the hospitals in Thailand and the NHS in the UK, saving me from draining my savings.
Have you purchased your travel insurance?
If not, it’s time to consider getting one—SafetyWing is a great option!
This post might be a bit lengthy, but it’s absolutely worth it, especially if you want to avoid any post-travel headaches.
Many Filipinos love scoring the best deals, which is why airline promos are so popular. We can be a bit "kuripot," right? I get it, but after traveling for a while, I've realized that mishaps can and do happen. Here are a few scenarios:
This post might be a bit lengthy, but it’s absolutely worth it, especially if you want to avoid any post-travel headaches.
Many Filipinos love scoring the best deals, which is why airline promos are so popular. We can be a bit "kuripot," right? I get it, but after traveling for a while, I've realized that mishaps can and do happen. Here are a few scenarios:
-
Missed FlightYou miss your flight and your non-rebookable ticket is a total loss! -
SicknessYou come down with dengue just two days before your trip! -
Lost ValuablesYou lose your laptop and smartphone—yikes! -
AccidentYou break a bone while trying that adventurous activity!
I’m not being dramatic; these things can happen, and sometimes even worse. Suddenly, you find yourself spending a fortune on new tickets, medical bills, and replacements for lost gadgets. You might find yourself muttering in frustration!
If you’re planning to travel and want to enjoy your trip without any worries, I highly recommend getting comprehensive travel insurance. It’s different from medical insurance, life insurance, or airline insurance (which you really don’t need!). In fact, when traveling in Europe, having your own travel insurance is often a visa requirement, so it’s essential.
You can easily find out how much travel insurance will cost you, whether you’re a solo traveler, a couple, or a family with kids. Don’t skip this important step—it's worth the peace of mind!
You can easily find out how much travel insurance will cost you, whether you’re a solo traveler, a couple, or a family with kids. Don’t skip this important step—it's worth the peace of mind!
While medical insurance is crucial, it typically doesn’t cover medical expenses incurred abroad.
Why SafetyWing is the Best Choice for Backpackers and Long-Term Travelers?
You might think you’re all set with your life and medical insurance, but here’s a reality check: those policies are quite specific and often won’t cover you while you travel.
Life insurance pays out a sum either upon death or after a certain period, and while medical insurance is crucial, it typically doesn’t cover medical expenses incurred abroad. So, what do you really need to make your trip hassle-free? That’s where SafetyWing comes in!
You might think you’re all set with your life and medical insurance, but here’s a reality check: those policies are quite specific and often won’t cover you while you travel.
Life insurance pays out a sum either upon death or after a certain period, and while medical insurance is crucial, it typically doesn’t cover medical expenses incurred abroad. So, what do you really need to make your trip hassle-free? That’s where SafetyWing comes in!
Why You Should Consider SafetyWing Travel Insurance?
Travel insurance may not be a common concept for us Pinoys, but it’s a necessity every time you feel the urge to travel. In short, it covers almost everything you might need while on vacation. That’s why we highly recommend checking out SafetyWing—it truly is the best option for travelers like us!
You can still purchase travel insurance from SafetyWing even if you’re already outside your home country. Whether your travel plans changed or you took a while to decide, there’s no excuse for not having coverage.
SafetyWing is perfect for quick getaways, short trips, or even long-term travel! Here’s how it helps:
a. Medical Assistance
Your regular medical insurance likely won’t cover expenses incurred abroad. What if you run into financial trouble or your relatives can’t help? Without travel insurance, you could find yourself in a tough spot at the hospital.
b. Emergency Medical Evacuation
If your condition requires you to be evacuated home, the costs can be exorbitant without travel insurance.
c. Trip Cancellation
Life is unpredictable. If you need to cancel your trip due to unexpected circumstances, what happens to your prepaid bookings? Travel insurance has you covered.
d. Lost or Damaged Gear
Sometimes, luck isn’t on your side. If your travel gadgets are lost or damaged, travel insurance can reimburse you for replacements.
a. Medical Assistance
Your regular medical insurance likely won’t cover expenses incurred abroad. What if you run into financial trouble or your relatives can’t help? Without travel insurance, you could find yourself in a tough spot at the hospital.
b. Emergency Medical Evacuation
If your condition requires you to be evacuated home, the costs can be exorbitant without travel insurance.
c. Trip Cancellation
Life is unpredictable. If you need to cancel your trip due to unexpected circumstances, what happens to your prepaid bookings? Travel insurance has you covered.
d. Lost or Damaged Gear
Sometimes, luck isn’t on your side. If your travel gadgets are lost or damaged, travel insurance can reimburse you for replacements.
Want to extend your stay in a place that your original travel insurance doesn’t cover? With SafetyWing, you can easily adjust your policy to include your new plans.
If unforeseen events cut your trip short and you need to head home, don’t worry—you can still resume your travels later! Some policies allow for this, making it ideal for travelers.
Don’t Compromise Your Health for Travel Deals
Even if you’re always on the hunt for the best travel deals, your health should never be compromised. It’s crucial to prepare for the unexpected, and the best way to travel worry-free is by getting travel insurance that covers almost everything while you’re away from home. I’m not trying to be paranoid; I just want you to fully enjoy your travels, even when surprises pop up.
Disclosure: Please note that we are affiliates of SafetyWing, but I’ve personally been using their services since 2017.
Disclosure: Please note that we are affiliates of SafetyWing, but I’ve personally been using their services since 2017.
