Pack N’ Go Travel Insurance Policy
Effective Date and Termination Date of Insurance
During the effectively of this Policy, all covers, except Trip Cancellation
and Travel Postponement Benefits, shall commence at:
a) two (2) hours before the Insured’s scheduled departure time from
the Philippines to embark on a Trip; or
b) the time at which the Insured commences his travel from anywhere
in the Philippines and embark on a Trip; and shall cease on which of the
following occurs first:
a) two (2) hours after the Insured’s scheduled time of arrival;
b) the expiry of the Policy specified in the Policy Schedule or any
subsequent endorsement issued by the Company to amend the
travel dates as requested by the Insured;
c) in relation to Annual Multi-Trip, (i) forty-five (45) days after the
Insured’s departure from the Philippines to embark on a Trip
(inclusive of the date of departure); or (ii) two (2) hours after the
Insured’s scheduled time of arrival; or (iii) the expiry of this Policy
specified in the Policy Schedule or any subsequent endorsement
issued by the Company to amend the travel dates as requested by
the Insured; or (iv) the Insured’s return to his place of residence or
employment.
For Trip Cancellation and Travel Postponement Benefits, both benefits
take effect upon acceptance and approval of the application or enrollment
and receipt of premium payment.
Limits of Coverage
The coverage limits are as specified in the policy schedule and are subject
to the terms and conditions outlined herein.
Description of Benefits:
Section 1: Medical Necessary Expenses Benefit
Covers necessary medical expenses incurred during the trip, including
hospitalization, surgery, and medication.
Section 2: Emergency Medical Evacuation and Repatriation of Mortal
Remains Benefit
Provides coverage for emergency medical evacuation to the nearest suitable
medical facility and repatriation of mortal remains in case of death during
the trip.
Section 3: Hospital Confinement Daily Cash Benefit
Offers a daily cash benefit for each day of hospitalization due to illness or
injury during the trip.
Section 4: Compassionate Visit Benefit
Reimburses the cost of travel expenses for a family member or close relative
to visit the insured person during hospitalization.
Section 5: Personal Accident Benefit
Provides coverage for accidental death or permanent disability resulting
from covered accidents during the trip.
Section 6: Accidental Burial Benefit
Covers the cost of repatriation of the insured person's mortal remains to
their home country in case of accidental death during the trip.
Section 7: Trip Cancellation Benefit
Reimburses non-refundable trip expenses in case of trip cancellation due to
covered reasons such as illness, injury, or death of the insured person or
immediate family member.
Section 8: Travel Postponement Benefit
Provides coverage for the cost of rescheduling the trip due to covered
reasons, including illness, injury, or death of the insured person or
immediate family member.
Section 9: Travel Delay Benefit
Offers reimbursement for additional expenses incurred due to travel delays
beyond a specified period, including accommodation, meals, and
transportation.
Section 10: Personal Liability Benefit
Covers legal liabilities arising from third-party bodily injury or property
damage caused by the insured person during the trip.
General Exclusions Applicable to All Sections:
The policy does not cover pre-existing medical conditions unless specifically
stated.
Exclusions may apply to high-risk activities, illegal acts, or travel to
countries or regions with travel advisories issued by the policyholder's
home country.
General Provisions:
The terms and conditions of the policy are subject to change at the
discretion of the insurance company.
The policyholder must report any incidents or claims to the insurance
provider within a specified time frame.
General Conditions Under the Policy:
The policyholder must provide accurate information at the time of
purchasing the policy and filing a claim.
Premium payment obligations and cancellation terms are as specified in the
policy schedule.
Contact Information:
For inquiries, claims, or emergency assistance, contact:
Email us at support@packn’travel.com
Call our phone +632 17593000
You may also write to:
The President Pack N’ Go Travel
3/F Rico Bldg., 112 Aguirre St.
Legaspi Village, Makati City 1009
