This guide provides all the essential information to help you understand our Travel Insurance plans and secure the coverage that best suits your needs. It also outlines clear steps to guide you through the process of getting started, including the claims process and other important reminders.
Here are quick links to the sections in this guide:
Choosing Our Travel Insurance Plans
Obtaining your Travel Insurance Policy through Reliable Insurance Brokers comes with significant advantages. Our expertise ensures that you get the best possible coverage, backed by our commitment to exceptional service.
- Comprehensive Coverage: Enjoy extensive coverage, including medical emergencies, flight cancellations, lost luggage, and more.
- Access to Multiple Insurance Providers: As a trusted broker, we partner with a network of accredited insurance providers to give you the best options available. This allows us to offer you competitive rates and a range of coverage choices suited to your business.
- Tailored Solutions: Policies are customized to meet your unique needs, whether for personal protection or business coverage, ensuring you have the right level of protection in place.
- Ease of Process: We simplify the insurance process, making it easy for you to understand your options and select the best plan. Our experts handle all the paperwork, ensuring a smooth and hassle-free experience.
- Representation and Support: We represent you to the insurers, advocating for your best interests. Our role extends beyond choosing the right coverage; we also manage your policy and provide ongoing support.
- Emergency and Claims Assistance: As our valued client, you receive dedicated assistance during emergencies and claims. Our team is available to help you navigate the claims process and ensure you get the support you need when it matters most.
Our Role as Your Trusted Partner
At Reliable Insurance Brokers, our goal is to make navigating the complexities of Travel Insurance straightforward and stress-free, ensuring you are protected from unexpected events during your trips. Whether it's a medical emergency, trip cancellation, or lost luggage, we help safeguard your travels so you can enjoy peace of mind wherever your journey takes you.
From the moment you contact us, our team of experts is by your side. We start by understanding your travel needs and any specific concerns you have. Based on that, we recommend personalized Travel Insurance options from our network of trusted providers.
Once you choose the coverage that suits you best, we handle all the paperwork and ensure everything is processed smoothly. But our service doesn’t stop there—we’ll also make sure you fully understand your policy and feel confident in your coverage. Our process is designed to be seamless, so you can focus on enjoying your trip, not dealing with insurance complexities.
As your trusted Travel Insurance partner, we provide expert guidance, secure the most suitable coverage options, and offer ongoing support throughout your coverage. With Reliable Insurance Brokers, you can travel confidently, knowing that you’re covered by a team dedicated to protecting what matters most.
Travel Insurance Options
We work with several trusted providers to offer a range of travel insurance options that cater to both individual travelers and businesses. Our role is to help you navigate these options and find the plan that best suits your needs, whether you're traveling for leisure, work, or other purposes. Our insurance options include:
Individual Travel Insurance
We offer various levels of coverage, depending on your travel needs and destinations:
- Coverage for frequent and casual travelers: This type of plan provides essential coverage for medical emergencies, lost baggage, flight delays, and personal accidents. It's ideal for both frequent flyers and occasional travelers who need peace of mind during their trips.
- Coverage for domestic travelers: These plans are designed for individuals traveling within the Philippines, offering protection for medical emergencies, accidents, trip cancellations, and baggage delays at an affordable rate.
- Coverage for international travelers: For those venturing abroad, these comprehensive plans cover medical emergencies, evacuation, trip disruptions, and personal liability. They are suited for travelers seeking higher protection while exploring global destinations.
Business Travel Insurance
We offer business travel insurance coverage designed to protect professionals and companies during business trips, both regionally and globally:
- Coverage for regional business trips: These plans offer protection for employees traveling within Asia or nearby regions, covering medical expenses, personal accidents, trip delays, and liability. They ensure affordable protection for businesses with regional operations.
- Coverage for global business trips: For international business travelers, these plans provide extensive coverage, including emergency medical care, lost business documents, personal liability, and trip disruptions. Ideal for companies with global reach, these plans ensure comprehensive protection for executives and staff traveling worldwide.
Inclusions and Exclusions
Understanding what is covered in your travel insurance policy is crucial for ensuring that you have the right protection. Below are typical inclusions and exclusions across our plans:
Inclusions:
- Medical Expenses: Coverage for medical treatment, hospitalization, and follow-up care during your trip.
- Personal Accident Benefits: Lump-sum compensation for injuries or fatalities due to accidents while traveling.
- Emergency Evacuation: Coverage for emergency medical evacuation and repatriation costs.
- Trip Cancellation: Reimbursement for non-refundable expenses due to unforeseen trip cancellations or interruptions.
- Lost Baggage: Coverage for loss or damage to baggage and personal belongings during your travels.
- COVID-19 Coverage: Medical treatment and quarantine extensions related to COVID-19 are included.
Exclusions:
- Pre-Existing Conditions: Medical expenses related to pre-existing conditions are generally not covered.
- High-Risk Activities: Injuries from extreme sports or activities may be excluded unless specifically added to the policy.
- Illegal Activities: Claims resulting from illegal acts, reckless behavior, or intoxication are excluded.
- Uncovered Destinations: Travel to regions with government travel advisories may not be covered.
- Elective Treatments: Non-essential or cosmetic treatments are typically excluded.
Applying for Travel Insurance
Our simple application process makes it easy to request information and quotations for the coverage you need. Simply follow these steps:
- Request a Quote or Consultation: Learn more about the coverage options with the help of our brokers. We will provide you with personalized recommendations and detailed insurance quotations, including coverage, premiums, deductibles, and other relevant details. Below are the ways you can get started:
- Call or message us: Talk to us directly to learn more or ask any questions. Call or message us at (Landline) +63 2 8631 9285-86; (Mobile) +63 917 138 5120; FB Messenger.
- Online Form: Request a quote using our online form for a quick and convenient way to get the information you need: Personal Insurance Quote Form or Business Insurance Quote Form
- Book an Appointment: Schedule a consultation or visit with one of our brokers for personalized assistance: Appointment Form
- Complete Your Application: Once you agree with the quotation, complete the provided application form and submit it along with any required documents. Our team will assist you in ensuring all paperwork is correctly filled out and submitted. Then, you will await the approval of your application and the issuance of your insurance policy.
- Receive Your Policy and Ongoing Support: Upon approval, you will receive your insurance policy along with a schedule of premium payments. Our team will guide you in making your payments through various options, such as post-dated checks (PDCs), bank deposits, or G-Cash. Once your policy is active, you can rely on us for ongoing support and assistance with any claims or emergencies.
Complete Guide: For more detailed steps and additional information, refer to our Complete Guide to the Reliable Application Process.
Making a Claim
Our simple claims process ensures you can get the support you need quickly and efficiently when it matters the most. Follow these steps to initiate your claim:
Required Documents:
- Required Claim Form: A fully completed form the insurer requires to initiate and efficiently process your claim.
- Travel Itinerary: Flight details and booking confirmations for the trip.
- Medical or Incident Report: Documentation of medical treatment or official incident reports.
- Photographs: Visual proof of damage or lost items.
- Receipts: Original receipts for reimbursable expenses (e.g., medical bills or trip cancellation).
- Proof of Ownership: Receipts or other documents verifying ownership and value of lost or damaged belongings.
- Delay or Lost Item Reports: Reports from the airline for flight delays or lost baggage.
- Police Report: In case of theft or major loss, an official police report may be required.
Claims Process:
- Report Your Claim: Report your claim by calling or messaging +63 917 175 9028, contacting us via FB Messenger, or using our Online Claim Report.
- Complete Claim Requirements: Gather the necessary documents. Our Policy and Account Manager (PAM) will help you collect and organize everything needed to ensure your claim is completed successfully.
- Submit Required Documents: Submit all required documents to us. We will forward them to the insurance provider for review and approval. Payment or reimbursement will be processed according to your policy terms.
Complete Guide: For more detailed steps and additional information, refer to our Complete Guide to the Reliable Claims Process.
Additional Provisions for Claims Settlement:
To ensure smooth and efficient claims processing, we have outlined specific provisions that need to be adhered to:
- Timely Reporting: Promptly report any incident within the specified timeframe to initiate the claims process without delays.
- Accurate Documentation: Ensure all required documentation is complete, accurate, and submitted promptly for faster processing.
- Comprehensive Reporting: Provide detailed accounts of incidents, supported by police reports, medical records, and photographs as necessary.
- Preservation of Evidence: Retain any damaged goods or supporting evidence until the claim is fully processed and settled.
- Professional Estimates: Secure clear and professional estimates for repair or replacement of damaged items, ensuring all documentation is thorough and detailed.
- Open Communication: Stay in regular contact with your Policy and Account Manager (PAM) to receive updates and guidance throughout the claims process.
- Compliance with Policy Terms: Ensure all claims adhere to the terms, conditions, and coverage limits outlined in your insurance policy.
- Adherence to Legal Requirements: Follow all relevant legal guidelines, including obtaining necessary permits, and certifications, and complying with any regulations tied to the claims process.
By adhering to these provisions, you can help ensure that your claim is processed efficiently and in accordance with your policy.
Key Reminders for Policyholders
To make the most of your Travel Insurance policy and ensure continuous coverage, it's important to keep the following reminders in mind. These tips will help you manage your policy effectively and avoid any unexpected issues:
- Read Your Policy: Make sure to thoroughly read your policy documents to understand the specific claims procedures of your insurance provider and know what's covered.
- Understand Coverage: Coverage is subject to policy terms and conditions, so be familiar with these to avoid surprises.
- Timely Premium Payments: Ensure your premiums are paid on time to avoid lapses in coverage.
- Emergency Contacts: Keep emergency contact numbers and policy details handy for quick access during emergencies.
- Keep Records: Maintain copies of all relevant documents and correspondence related to your policy and trips.
- Stay Updated on Policy Changes: Be aware of any updates or modifications to your policy, as terms and coverage may change over time.
- Claims Deadlines: Always submit claims and required documents within the deadline specified in your policy to avoid delays or denial of coverage.
Travel Insurance Providers
Secure Your Travels Today
Don't leave your travels to chance. With Reliable Insurance Brokers, you can enjoy peace of mind, knowing that you're fully covered no matter where you go. Contact us today for personalized travel insurance solutions tailored to your specific needs.
Contact Information for Inquiries and Support
Should you have any questions or require further assistance in applying for travel insurance:
- Call: +63 2 8631 9285 to 86
- Mobile: +63 917 138 5120
- Email: info@reliable-insurance.ph
- Messenger:m.me/reliable.insurancebrokersph
Note
The coverage details provided in this guide are for informational purposes only and are subject to change. Reliable Insurance Brokers advises all clients to request a detailed proposal and thoroughly read and understand their insurance policy. Coverage terms and conditions may be updated or modified by our partner insurance companies, which may supersede the information contained in this guide. Additionally, because our offerings can be custom-fitted to your specific needs, the details may vary from what is stated in this article. For the most accurate and up-to-date coverage details, and to understand how different providers might affect your policy, please contact us directly or refer to your policy documentation.
