Travel Insurance Frequently Asked Questions


What is the BPI Credit Cards Travel Insurance?

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.

Who are entitled to avail the BPI Credit Card Free Travel Insurance?

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;
Maximum of 10 non-BPI Credit Card cardholders only, per trip.

Who is the provider of the BPI Credit Cards Travel Insurance?

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

How does BPI Credit Cards Travel Insurance differ from the travel care advantage being offered by BPI MS Insurance?

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.

I already availed of the travel insurance directly with another insurance company. Am I still qualified to the BPI Credit card Travel Insurance?

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

I will travel with my wife to Singapore next week. I just used my BPI Gold MasterCard, instead of her supplementary card, to buy our Singapore Airlines tickets. Are we both covered with the Travel Insurance?

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

Are there additional charges on my airfare to avail of the travel insurance?

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

How can I get a proof of the travel insurance coverage?

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
This will be issued by BPI/MS Insurance, the insurance provider of BPI Credit Card.

Can I use the proof of coverage of the BPI Credit Travel Insurance for my entry visa application (country)?

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.

Insurance Coverage
Insurance Coverage

When does the travel insurance policy commence/expire?

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

Is the coverage applicable for domestic and international travel?

Yes. It covers both domestic and international travel.

I will travel from Manila to Baguio by land. Am I insured if I opt to take public bus or rent-a-car service?

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.

Insurance Claims
Insurance Claims

How do I claim?

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.

What are the requirements to claim?

Please click here for the complete list of requirements.

Is there a participation fee?

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.

Accidental Death and Permanent Disablement
Accidental Death and Permanent Disablement

In case of accidental death, can my beneficiary claim the insurance proceeds from BPI even if I am already covered with full comprehensive travel insurance from another insurer?

Yes. These are two different insurance with different coverage.

What does Maximum Accumulation Limit per incident mean?

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.

Medical Expense Reimbursement
Medical Expense Reimbursement

I was not able to take my scheduled flight due to illness. Can you reimburse my medical expenses?

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

Delayed Baggage/Loss of Baggage
Delayed Baggage/Loss of Baggage

I arrived at my destination at 9:00 pm, but my baggage only arrived at 10:00 am the next day. Can you reimburse my clothing expenses?

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.

Cancelled/Delayed Flight

My flight was originally scheduled to depart at 9:00 pm, but was rescheduled to leave at 10:00 am of the next day. Can you reimburse my hotel accommodation and food expenses?

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.

Loss of Travel Documents
Loss of Travel Documents

I lost my hand-carry baggage which contains my passport, ticket, and other travel documents, will the expenses to replace my travel documents be covered?

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

Customer Support
Customer Support


For inquiries and comments, send us a message or call our 24-hour BPI Contact Center at ‎(+632) 889-10000.