Travel insurance FAQs

It is a complimentary travel insurance that is automatically issued to cardholders who used any of their qualified BPI Credit cards to purchase travel fare on any form of air, water, and land conveyance.

Principal and supplementary cardholders are entitled to the Travel Insurance package on the following conditions:

1. Aged 69 years and under at the time of travel

2. Travel fare for principal or supplementary cardholder is charged using any of the following qualified principal/supplementary BPI  Credit card:

Credit Card

BPI Rewards Card

BPI Gold Rewards Card

BPI Platinum Rewards Card

BPI Signature Card

BPI Corporate Card

One minor* dependent of the principal or supplementary cardholder, travelling with either or both, and whose fare is also charged on the same card on a per trip basis.

*Minor dependent shall mean child of the cardholder aged 1 to 21 years old, not gainfully employed. 

For Corporate Card cardholders, coverage of the policy can also be applied to other passengers, for as long as:

a. The travel fares are purchased on the same card, on a per trip basis;
b. The passengers are employees of the same company;
c. And that the additional name(s) are declared to BPI prior the trip;
d. Maximum of 10 non-BPI Credit Card cardholders only, per trip.

The provider of BPI Credit Cards Travel Insurance is BPI/MS Insurance Corporation.

BPI Credit Cards Travel Insurance is a complimentary insurance package that covers you while travelling via air, land, or water. Travel Care Advantage is a travel insurance package for the entire duration of your trip.

Yes, as long as you charged your travel fare/ticket using your eligible BPI Credit card.

Your coverage starts upon physical check-in or boarding, whichever is applicable and expires upon physical disembarkation from the mode of conveyance.

Yes. It covers both domestic and international travel.

Yes. For public bus, you are insured as long as you are a regular fare-paying passenger and your travel fare is charged to your eligible BPI Credit Card.

On the other hand, you are also insured if you choose rent-a-car service, provided that your destination covers a distance of at least sixty (60) kilometers from point of origin. This excludes Grab and other similar service provider.

a. In any unlikely event, the cardholder or the cardholder’s immediate relative shall notify BPI through the 24-hour BPI Contact Center at (02) 889-10000 (Metro Manila) or domestic toll free 1-800-188-89100 (Outside Metro Manila) within three weeks from the date of incident.

b. Submit all requirements to BPI MS Insurance Corporation Claims Department at 11th Floor, BPI Philam Life Building, Ayala Ave., Makati City or to any BPI MS Insurance Corporation branch near you.

Participation fee or deductible amount of Php 500 is only applicable for Baggage Delay and Loss. Other insurance coverage does not require any participation fee.

Standard Requirements:

• Duly-accomplished Notification of Claim Form  
• Duly-accomplished KYC 
• Police Report, Detailed Incident Report or Affidavit  
• Plane ticket (showing booked amount) 
• Photocopy of passport together with stamp of entry and exit during the travel 
• Photocopy of passport (BIO PAGE) 
• Type of BPI Credit Card used  
• BPI Card SOA showing booked amount 
• Name and Relationship to travel companion, if any 

In the event of Death or Disablement: 

• Post Mortem Report or Medico Legal Report or Autopsy Report
• Death Certificate issued by PSA *  
• Marriage Certificate issued by PSA (if beneficiary is spouse)  
  
• Birth Certificate issued by PSA (if beneficiary is Insured’s children)  
  
• Insured’s Birth Certificate issued by PSA (if beneficiary/ies are parents)  
  
• Carrier report as proof of accident 
  

For Medical Expense Reimbursement: 

• Medical Report /Clinical Abstract  
• Original Copy of Official Receipts, Charge Slips & Statement of Account  
  
• Copy of the drug prescription from the attending physician  
  
• Copy of request for laboratory, X-ray, other diagnostic exams and therapeutic services, if any 
• Copy of results of laboratory, X-ray, other diagnostic exams and therapeutic services, if any 
• Carrier report as proof of accident 
  

For Loss of Baggage:  

• Irregularity Report or Certification from the Airline/Carrier  
  
• Actual replacement of the loss items 
  

For Baggage Delay: 

• Airline Irregularity Report or Certification from the Airline/Carrier  
• Proof of Acknowledgment of Baggage  
  
• Official Receipts and/or Invoices as proofs of immediate purchases such as clothing and toiletries 
  

For Trip Cancellation: 

• Certification from the Airline/Carrier stating scheduled departure time, actual departure time and the reason for the cancellation or delay of flight  
• Non-refundable expenses such as airline tickets, Official Receipts and/or Invoices for irrevocable deposits and advance payments for hotel accommodations  
• Official Receipts and/or Invoices for Hotel and restaurant meals, refreshment 
• Carrier confirmation for the refund of the unused fare 
  

For Personal Liability:  

• Letter from the courier testifying the accident happened 
• Claim or Demand letter from the third party or beneficiary 
  
• Medical/clinical report  
  
• Affidavit 
  
• Statement of Witness/es 
  
• Original copies of Official Receipts, Charge Slip &/or Statement of Account 

For Loss of Passport:  

• Billings, Invoices  
• Official Receipts of actual passport replacement cost

Yes. These are two different insurance with different coverage.

For every incident, the maximum accumulation limit is based on the type of card used.  This amount will be equally divided among cardholders who are entitled to the insurance claim.

Maximum Accumulation Limit per Incident:             
Php 20M 

Card Type

BPI Rewards Card, BPI Gold Rewards Card, BPI Platinum Rewards Card, BPI Corporate Card

Maximum Accumulation Limit per Incident:             
Php 40M 

Card Type:
BPI Signature Card

Example:  Three (3) cardholders charged their airfare using their BPI Gold Rewards Card and boarded the same flight. In the event of a plane mishap, the maximum insurance claim of P20M will be equally divided among the cardholders’ eligible beneficiaries.

No. Medical reimbursement excludes illness. It only covers accidental injury while on board the airline/carrier.

Yes. Clothing expenses due to lost (robbery/fire/burglary) or beyond 12-hour delayed arrival of check-in baggage shall be covered up to a maximum limit. Incidence of lost hand-carry baggage is not included.

Yes. Expenses on hotel accommodation and restaurant meals incurred while waiting for more than 12 hours delayed flight departure shall be covered up to a maximum limit.  The coverage applies even with the provision of the airline/carrier.

Yes, but only the actual cost of passport replacement is covered.