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 Blue Mastercard
BPI Gold Mastercard
BPI Platinum Rewards Mastercard
BPI Visa Signature
BPI Corporate Mastercard

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 Mastercard 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.

Yes. Both principal and supplementary cardholders, below 70 years of age at the time of travel, are covered with the complimentary travel insurance.

None.  You are automatically covered with the BPI Credit Card Travel Insurance without any additional fees.

Simply send us a message or call our 24-hour BPI Contact Center at (02) 889-10000 or toll-free 1-800-188-89100 and submit your Itinerary Receipt (travel ticket) with the following transaction details:

a. BPI Credit Card type
b. Credit card number
c. Transaction date and amount
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This will be issued by BPI/MS Insurance, the insurance provider of BPI Credit Card.

No. The BPI Credit Card’s complimentary travel insurance may only be supplemental to the travel insurance required by the embassies.  You should inquire with the consul office of the country of your destination for applicable requirements.

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 eigible 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.

Please click here for the complete list of requirements.

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.

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 Blue Mastercard, BPI Gold Mastercard, BPI Platinum Rewards, BPI Corporate Mastercard


Maximum Accumulation Limit per Incident:             
Php 40M 

Card Type:
BPI Visa Signature


Example:  Three (3) cardholders charged their airfare using their BPI Gold Mastercard 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.