Summary of Benefits

PAL Travel Insurance is especially designed for Philippine Airlines passengers and is underwritten by Alliedbankers Insurance Corporation.

The following is a Summary of Benefits together with a brief description of what is covered by each benefit and what is included in each assistance service.  Please note that the limits shown in the table below reflect the maximum amount payable.

Please read the Group Policy Wording carefully for the complete details of the terms and conditions of the insurance cover.

PAL Travel Insurance

Personal Accident

Medical Expenses and 24-Hour Travel Assistance

Travel Inconvenience

Other Travel Benefits

Covid-19 related Benefits

For more information, please read the Group Policy Wording to fully understand the terms and conditions of this policy and to decide if this product is suitable for you and meets your requirements.

Personal Accident

Alliedbankers shall provide a lump sum cash benefit in case of loss of life or permanent total disability due to an accident while traveling and during the period of insurance.


Medical Expenses

Alliedbankers shall cover for the medical expenses incurred as a result of an accident or sickness.


Emergency Medical Evacuation

Alliedbankers shall arrange for transport to move to a more convenient location if the insured passenger becomes injured or sick while traveling, as approved and coordinated with PAL Travel Assistance.


Repatriation of Mortal Remains

Alliedbankers shall arrange and pay for the immediate return of an insured passenger’s remains if death occurs due to an accident or sickness while traveling, as approved and coordinated with PAL Travel Assistance.


Funeral Benefit

Alliedbankers shall pay for all actual cost of burial expenses incurred, up to the maximum Benefit amount as stated in the Policy Schedule subject to the terms and conditions of the Group Policy, if the insured passenger suffers death due to an Accident while traveling.


Hospital Confinement Income

Alliedbankers shall pay for each complete day (24 hours) of confinement from the first day of confinement and up to a maximum Benefit amount for a period not exceeding ten (10) days as stated in the Policy Schedule subject to the terms and conditions of the Group Policy,


Emergency Communication Expense

Alliedbankers will indemnify the insured passenger or the traveling companion for reasonable Charges for personal mobile phone or standard telephone land line used for the purpose of informing Immediate Family Members of the emergency or  engaging the services of the PAL Travel Assistance if the insured passenger suffers Bodily Injury or Sickness.


Child Guard

Alliedbankers will cover the Insured passenger for reasonable hotel accommodation and travel (economy air travel) expenses necessarily incurred for one (1) relative or a friend to accompany the insured passenger’s Dependent Children back to the Philippines, up to the relevant Benefit amount as stated in the Policy Schedule subject to the terms and conditions of the Group Policy, if the insured passenger is Confined in a Hospital Overseas and there is no other adult to accompany the Insured’s Dependent Children home.


Compassionate Visit

Alliedbankers will arrange for the travel (economy return air travel) and reasonable hotel accommodation for one (1) Immediate Family Member or friend to visit and stay with the insured passenger until the he/she is medically fit to be discharged, up to the relevant Benefit amount as stated in the Policy Schedule subject to the terms and conditions of the Group Policy, if the insured passenger is confined in a Hospital Overseas for more than five (5) consecutive days due to Bodily Injury or Sickness and his medical condition forbids evacuation and no adult member of the insured passenger’s Immediate Family is with him, as approved and coordinated with PAL Travel Assistance


Loss or damage of Baggage & Personal Effects

Alliedbankers will pay for the baggage / personal effects that were lost or damaged while in the possession of the hotel staff or common carrier or as a result of forceful taking by violent means.


Loss of Travel Documents

Alliedbankers will indemnify the insured passenger in terms of reasonable additional hotel, travel, communication and other expenses necessarily incurred in the country or countries visited in obtaining the replacement of the lost Travel Documents up to the relevant Benefit amount as stated in the Policy Schedule subject to the terms and conditions of the Group Policy.


Emergency Cash due to Loss of Travel Documents

Alliedbankers will pay a cash advance to the insured passenger in respect to expenses due to Loss of Travel Documents, up to a maximum Benefit amount as stated in the Policy Schedule subject to the terms and conditions of the Group Policy.


Loss of Personal Money

Alliedbankers will indemnify the insured passenger in terms of loss of personal money overseas due to robbery, theft or burglary or any attempt thereof or Natural Disasters, up to the relevant Benefit amount as stated in the Policy Schedule subject to the terms and conditions of the Group Policy.


Baggage Delay

Alliedbankers will pay this benefit for each consecutive twelve (12) hour baggage delay.  The maximum amount payable is shown on the benefits table subject to the terms and conditions of the Group Policy.


Flight Delay

Alliedbankers will pay the insured passenger a benefit for each consecutive twelve (12) hour flight delay due to strikes or industrial action, adverse weather conditions, mechanical breakdown or structural defect. The maximum amount payable is shown on the benefits table.


Missed Connection

Alliedbankers will pay the insured passenger if his/her confirmed onward connecting scheduled flight Overseas is missed at the transfer point due to unforeseeable circumstances outside his/her control up to the Benefit amount as stated in the Policy Schedule, for every full twelve (12) consecutive hours of misconnection.


Flight Diversion

Alliedbankers will pay the insured passenger if his/her scheduled flight has been diverted due to unforeseeable circumstances outside his/her control up to the Benefit amount as stated in the Policy Schedule, for every full twelve (12) consecutive hours of flight diversion.


Hijack Inconvenience

Alliedbankers will pay the insured passenger for each twelve (12) hours that the plane is hijacked.  The maximum amount payable is shown on the benefits table and subject to the terms and conditions of the Group Policy.


Trip Cancellation

Alliedbankers shall recover flight ticket non-refundable payments, deposits and out of pocket expenses up to the sum insured, if in the unfortunate event that the trip is cancelled before scheduled departure date due to:  (1) accidental death, (2) bodily injury, (3) serious sickness of the insured passenger or of an immediate family member.


Trip Curtailment

Alliedbankers will pay the insured passenger in respect of curtailment expenses, if he/she needs to curtail the journey after it has started due to reasons specified in the terms and conditions of the Group Policy, i.e.  his/her immediate family member suffers sickness, etc.


Personal Liability including Legal Expenses

Alliedbankers will indemnify the insured passenger if he/she commits an act of negligence which results to becoming legally liable to pay compensation for Death or Accidental Bodily Injury or Accidental Property Damage or loss to any third party, up to the Benefit amount as stated in the Policy Schedule subject to the terms and conditions of the Group Policy.


Car Rental Protection

Alliedbankers will reimburse the insured passenger for the rental vehicle excess or deductible that he/she becomes legally liable to pay as a result of an Accidental loss or damage of the rented vehicle, up to the Benefit amount as specified in the Policy Schedule subject to the terms and conditions of the Group Policy.


24-hour Worldwide Travel Assistance

Please call +632 846-2171 anytime, anywhere. Contact the local telephone operator and ask for a reverse charge call to PAL Travel Assistance. Click PAL Travel Assistance to know more about the emergency and travel assistance benefits.