How to Buy Affordable Travel Insurance Online (PGA SOMPO TravelJOY Plus – Philippines)

It’s a question we get all the time in varying forms: Is travel insurance really necessary? Kailangan ba talaga ng travel insurance?

And our resounding answer is always the same: YES!

It’s easy to dismiss insurance. When planning a trip, we only picture ourselves having a blast, with everything running smoothly. We don’t really (want to) think about accidents, illnesses or untoward events. Most of the time, we don’t feel it because you don’t need to use it. But that’s exactly the point. Travel insurance is that one thing you wish you won’t have to use, but when something unfortunate happens, you’d be thanking the heavens that you have it. Because, guess what, when traveling, things don’t always go as planned.

Bad things can happen when traveling. We know travelers who met a severe accident in Taiwan, who lost their baggage in Europe, and who were terribly inconvenienced by flight delays. We don’t even need to look far. One of our close friends was rushed to the hospital after his appendix suddenly burst with no warning in Thailand. And we, ourselves, have been robbed while on the road.

So yes, without question, we always recommend getting a travel insurance. But how do you find one that is easy to get and easy on the pocket?

Thankfully, getting a budget-friendly insurance is now more convenient than ever before. PGA SOMPO, a joint venture of the two of the most trusted insurance companies in the Philippines and Japan, brings you TravelJOY Plus. And it’s collaborating with The Poor Traveler to make travel insurance more affordable and more accessible to the readers of this blog.

By visiting the PGA Sompo page and using the code WORTHIT, you can get a special affordable rate on your TravelJOY Plus insurance.

Whether you’re traveling in or out of Asia or you’re applying for a Schengen visa, you can use this code to score a special rate on TravelJOY Plus products.

If you need more help, here’s our step-by-step process on how you could easily purchase an affordable policy online.

1. Visit the TravelJOY Plus website.

You can find it right here.

You’ll be greeted by a short form asking for the following information:

• Trip type (single or annual multi-trip): If you need a policy for just one trip, choose SINGLE. (If you’re traveling a lot, consider the ANNUAL MULTI-TRIP option, which covers the trips you make for the entire year.)
• Package: Choose INDIVIDUAL.
• Destinations: Enter ALL the countries or territories that you intend to visit. The system will choose the appropriate plan for you, depending on the countries you select. For example, if you enter a country within the Schengen Zone, the system will automatically detect that you need a plan that meets the Schengen visa requirement and is accredited in that country.
• Depart Date: the date you’re leaving your usual residence for the trip.
• Return Date: the date you’ll arrive at your usual residence after the trip.
• Number of Travelers: You can choose up to five. If you’re a bigger group, you may book another batch.
• Promo/Product Code: Enter WORTHIT to avail of a special rate.

Once the form is filled out, click GET QUOTE.

2. Pick the plan that suits your budget and requirements.

On the next page, you’ll be presented with your options. In most cases, you’ll have three options: BUDGET, STANDARD, and SUPREME. Check out the corresponding benefits in the column under each plan.

Note that the system automatically filters out the plans that don’t apply to the countries you entered in the previous page. For example, if you enter any Schengen country — say, France or Italy — it will show you only one plan, SUPREME, because it’s the one that is acceptable to the Schengen embassies. It’s pretty smart and savvy!

Note: The price varies depending on the destination countries and the duration of your trip.

Once you’ve made up your mind, click in SELECT (if the plan you choose isn’t highlighted yet) or BUY NOW.

3. Enter your personal information.

The next page will show you a form. Input your personal details correctly.

You’ll find two (3) main sections here: the Applicant, the Insured Person(s), and the Beneficiary.

Under the Applicant Details part, type in your information. If you’re a group, only one needs to fill it out. Below it are the fields for the insured persons, which can be up to 5 heads. If you, the applicant, is part of the party to be insured, you may just tick the “Copy Applicant details to Insured Persons” button to automatically duplicate your answers and avoid typing them all over again.

Here are some of the details needed:

• full name
• birth date
• contact number
• email address
• nationality
• ID type and number

Towards the bottom, you’ll find a short form about your beneficiary. Enter their details. This is optional, though. If you leave it blank, it will automatically consider “Succession of Law”.

Agree to the Terms and Conditions as well as the Privacy Policy, and click CONTINUE.

4. Pay for your policy.

You will be redirected to the PesoPay Payment Service. Don’t freak out if the look and feel of the page changes. PesoPay which is the official payment partner of PGA SOMPO.

It will list down the available payment options, which are:

• GCash
• GrabPay
• Visa or MasterCard credit card or debit card
• BDO (over the counter)
• RCBC (over the counter)
• Bayad Center
• EC Pay

Click on the logo of your chosen payment method.

If via card, you’ll be required to enter your credit card or debit card details.

If via GCash, you’ll be required to log in to your GCash account.

Once payment is complete, the screen will display a Transaction Result. Save or take a screenshot of it before moving on.

Then click CONTINUE. It will take you back to the PGA SOMPO website with a summary of your purchase.

5. Save your Confirmation of Cover.

Check your email, where you’ll receive a copy of the Confirmation of Cover (COC).

It looks like this:

Keep a copy of it or print it out as needed.

Disclosure: This article is made possible through collaboration with PGA SOMPO.

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