The Complete Filipino’s Guide to Travel & Car Insurance

Most Filipinos love the thrill of long road drives. It sets an excitement for the vacation which includes the drive itself. Equally exciting are overseas trips which includes booking the flights, planning the itinerary and choosing the accommodations.

But while we dream of perfect vacations and smooth drives, every now and then, little surprises come up—delayed flights, lost baggage, fender benders, or even floods during typhoon seasons. That’s when insurance becomes your travel companion and road buddy, ready to catch you when things don’t go as expected.

Let’s explore how travel insurance and car insurance can make your journey a little more secured and worry-free.

Part I: Travel Insurance Essentials for Filipinos

You can think of travel insurance as your invisible travel buddy. It comes in two types.  If your trip is around the country, a domestic travel insurance works. But if your wandering shoes bring you abroad, an international travel insurance is a must. Sometimes, even a visa requirement (when applying for a Schengen visa).

There are many providers out there, but one good provider is Standard Insurance. Travel Protect comes in various packages for different kinds of travelers. Travel Protect is the all-around option good for both local and international trips. For budget trips, choose Travel Protect Saver Plus, which offers practical protection at reasonable premiums. It is suitable for long drives and trips with local flights. For overseas trips, Travel Protect International is the best option. Imagine getting sick abroad. Scary, isn’t it? With Travel Protect International, your medical expenses are taken care of. With their cashless medical coverage, you need not put out any amount to get medical care.

Your flight gets cancelled, but you need to be somewhere on time —your bookings are protected. Your suitcase goes “Missing In Action”,  you can reimburse essentials like toiletries and extra clothes while you wait. Even unexpected COVID-19 costs are covered under the plan. To get a quote, just click on the link below.

https://www.standard-insurance.com/products/TravelProtect/index.html

Of course, situations are never perfect, and some travelers complain about the claims process. Well, claims take longer and sometimes get denied specially if you do not have the right documents. And because fine prints hardly get read, you discover that certain situations aren’t covered. The best way to avoid these is to read the fine prints, or in the case of Standard Insurance, hit their social media accounts where these are explained through their  #AskStandardInsurance campaign. You may also ask for clarification via their viber account “Standard Insurance” or call (632) 8845-1111 to speak to a Customer Support staff.

A little preparation can make all the difference.

Part II: Car Insurance 101 in the Philippines

Now, let’s shift gears to car insurance. At the very basic level, Filipinos need to understand the mandatory car insurance requirement called Compulsory Third Party Liability. As the name implies, it is compulsory, and it covers liabilities to third parties. Therefore, it does not cover damages to your own person nor your own vehicle. It is your protection when someone else gets injured in an accident involving your vehicle.

For worry-free protection, a comprehensive car insurance is the solution. This type of plan not only covers damages to other people but also protects your own car against collisions, theft, and even natural disasters like typhoons and floods—real risks in the Philippines. Standard Insurance Car Protect even has add-on extras like Roadside Assistance and Personal Accident coverage

The premium you pay depends on the type and age of your car, your driving history and where you live. Securing a quote for Car Protect from Standard Insurance is quick and easy. Just click the link below to get there

https://www.standard-insurance.com/products/CarProtect/index.html.

Whether its roadside assistance or protection for expensive repairs, Car Protect can be tailored to fit your needs.

Part III:  When Travel and Car Insurance Work Together

Interestingly, some people think that travel and car insurance overlap. Imagine renting a car in Japan – you would want to know if your travel insurance covers any issues or if you need to pay for that extra protection the rental company is pushing.  Travel Protect has a Car Rental Excess Protection benefit where the company will reimburse any excess or deductible that the policyholder becomes legally liable to pay in respect of loss or damage caused by an accident to the rented vehicle during the rental period.

Or imagine a road trip from Manila to Baguio during rainy season: having both travel insurance and a car policy with acts-of-nature coverage ensures you’re protected from trip delays, medical costs, and even potential flood damage to your car.

To understand how it works, it helps to think in layers. Travel insurance covers your journey—your flights, luggage, health, and hotel bookings—while car insurance protects your wheels and accident-related liabilities on the road. Together, they give you the freedom to focus on the fun parts of the trip: the laughter, the food stops, and the memories made along the way.

So before you book that flight or rev up the engine, take a moment to secure the right plan. With Standard Insurance, you can choose the coverage you need – whether it’s a Travel Protect policy for your next vacation or your Car Protect plan for your daily trips.