PGA SOMPO Travel Insurance Review

Flying soon for a quick getaway? Don’t forget to secure your trip with travel insurance. Unexpected events can happen when you travel, so make sure to prepare for every possible hiccup that can derail your trip and spoil your excursion.^[1]

If you’re looking for a trusty travel insurance provider that offers a great balance of coverage and affordability, PGA SOMPO might be the right match. Check out this PGA SOMPO travel insurance review before your next trip!

PGA SOMPO Insurance Corporation: A Background

First things first—is PGA SOMPO legit? Quick answer: yes.

PGA SOMPO Insurance Corporation is a joint venture of two titans in the non-life insurance industry: Prudential Guarantee and Assurance, Inc., a leading provider of travel insurance in the Philippines, and SOMPO Holdings, one of the top three non-life insurance providers in Japan.

While it’s a fairly young company founded in 1991, PGA SOMPO has already established a strong foothold in the Philippine market with its comprehensive insurance products for both consumer and commercial purposes.

Aside from travel and other traditional insurance, PGA SOMPO also offers innovative insurance products like dengue insurance, condominium property insurance, and online transaction insurance, among others.

What is PGA SOMPO Travel Insurance?

TravelJOY Plus is PGA SOMPO’s flagship travel insurance product that offers comprehensive coverages for international travel. It covers all the basics and more—from unexpected medical expenses to flight inconveniences like delays and loss of baggage.^[2]

This product also covers situations like loss of travel documents, loss of money, loss of credit card, and even extreme circumstances like aircraft hijacking, strikes and riots, and unprovoked murder or assault.

With a minimum coverage of ₱500,000 and a maximum coverage of ₱2,500,000, TravelJOY Plus aims to provide enough options for every type of traveler, regardless of budget.

PGA SOMPO is also Schengen-certified, which means you can get travel insurance for a Schengen visa from this provider. Premiums start at around ₱460 for the budget package when visiting Asian countries.

In addition, you can get either an individual package for solo travelers or a family package if you're planning a trip with a group. For the family package, you can insure up to four members.

In terms of age eligibility, the minimum is one month old, and the maximum is 75 years old. If you’re headed to Schengen countries, you can even insure family members up to 99 years old.

PGA SOMPO Travel Insurance Packages

PGA SOMPO offers coverage according to destination and budget. All covered destinations are organized into three destination groups: Asia, Worldwide, and Schengen.

pga sompo travel insurance review - destinations

Asia group includes popular Asian destinations, excluding Japan and the Middle East, as those are part of the World group. The Schengen group includes European destinations that require a Schengen visa.

From there, you can choose from the three travel insurance packages PGA SOMPO currently offers: Budget, Standard, and Supreme.

What’s great about TravelJOY Plus is that you’re entitled to all travel insurance benefits no matter what package you choose. If you’re looking for an affordable option, the Budget package already offers decent and competitive travel deals to many countries.

However, if your travel plans include Europe, you can avail only of the Supreme package.

PGA SOMPO Travel Insurance Coverages

PGA SOMPO travel insurance covers an extensive array of situations that can affect your travel experience. From the most basic like medical expenses and travel assistance to more specific ones, here is a list of TravelJOY Plus benefits and their corresponding coverages per package:^[3]

📌 Emergency Medical Treatment

Benefit	Budget	Standard	Supreme
Medical Expense	Up to ₱500,000	Up to ₱1,000,000	Up to ₱2,500,000
Hospital Cash Allowance	₱2,000 per day, up to 10 days	₱2,000 per day, up to 10 days	₱2,000 per day, up to 10 days
Emergency Local Follow-Up Treatment	Up to ₱50,000	Up to ₱100,000	Up to ₱250,000
Medical Assistance (Pre-Existing Illness)	Up to ₱10,000	Up to ₱10,000	Up to ₱10,000
Emergency and Accidental Dental Care	Up to ₱25,000	Up to ₱25,000	Up to ₱25,000
COVID-19 (In-Patient and Emergency Cases)	Up to ₱500,000	Up to ₱1,000,000	Up to ₱2,500,000
COVID-19 Quarantine Cost	Up to ₱25,000	Up to ₱25,000	Up to ₱25,000
Burns Benefit	Included	Included	Included
Medical Consultation, Evaluation, and Referral	Included	Included	Included
Medical Monitoring and Case Management	Included	Included	Included
Prescription Assistance	Included	Included	Included
Foreign Hospital Admission Assistance	Included	Included	Included

📌 Personal Accident Benefits

Benefit	Budget	Standard	Supreme
Accidental Death, Dismemberment and/or Disablement	Up to ₱500,000	Up to ₱1 million	Up to ₱1.5 million
Unprovoked Murder and Assault	Up to ₱500,000	Up to ₱1 million	Up to ₱1.5 million
Burial Benefit	₱10,000	₱10,000	₱10,000

📌 Personal Liability Benefits

Benefit	Budget	Standard	Supreme
Personal Liability	Up to ₱500,000	Up to ₱1 million	Up to ₱1.5 million

📌 Travel Assistance Benefits

Benefit	Budget	Standard	Supreme
Evacuation and Repatriation	Actual Cost	Actual Cost	Actual Cost
Repatriation of Mortal Remains	Actual Cost	Actual Cost	Actual Cost
Rescuer’s Expense Indemnity	Up to ₱250,000	Up to ₱500,000	Up to ₱1 million
Relay of Urgent Messages	Included	Included	Included
Legal and Interpreter Referrals	Included	Included	Included
Return of Vehicle	Included	Included	Included
Pre-Trip Information	Included	Included	Included
Mobile App Services	Included	Included	Included

📌 Travel Inconvenience Benefits

Benefit	Budget	Standard	Supreme
Trip Cancellation or Curtailment	Up to ₱70,000	Up to ₱70,000	Up to ₱70,000
Trip Cancellation or Curtailment due to COVID-19	Up to ₱30,000	Up to ₱30,000	Up to ₱30,000
Flight Delay	Up to ₱25,000	Up to ₱50,000	Up to ₱50,000
Missed Connecting Flight	Up to ₱8,000	Up to ₱8,000	Up to ₱8,000
Alternative Means of Transportation	Up to ₱20,000	Up to ₱20,000	Up to ₱20,000
Aircraft Hijacking	₱5,000 per day, up to 4 days	₱5,000 per day, up to 4 days	₱5,000 per day, up to 4 days
Baggage Delay (Outbound)	Up to ₱2,500	Up to ₱5,000	Up to ₱5,000
Baggage Delay (Inbound)	Up to ₱1,000	Up to ₱1,000	Up to ₱1,000
Baggage and Personal Effect Liability	Up to ₱25,000	Up to ₱50,000	Up to ₱50,000
Loss of Personal Money Extension	Up to ₱15,000	Up to ₱15,000	Up to ₱15,000
Loss of Travel Documents	Up to ₱5,000	Up to ₱5,000	Up to ₱5,000
Loss of Credit Card	Up to ₱5,000	Up to ₱5,000	Up to ₱5,000
Rental Car Excess	Up to ₱50,000	Up to ₱50,000	Up to ₱50,000

Regardless of destination, the insured individual/s will receive 100% cover on all the benefits listed.

For Asia and Worldwide destinations, family members will receive 50% on medical expenses and personal accident benefits only and 100% cover for the rest of the benefits.

For Schengen destinations, family members will receive 100% cover on medical expenses benefit only and 50% cover for the rest of the benefits.

How Much Does PGA SOMPO Travel Insurance Cost?

Your final PGA SOMPO travel insurance premium cost will depend on a number of factors: the destination, the package, the number of individuals you’re looking to insure, and the number of days of your trip. Here’s a quick rundown of what your premium cost will look like.

Note: This matrix can change without prior notice, so to ensure that you’re getting accurate quotes, please send inquiries directly through the PGA SOMPO website.

🌐 Asia Group

Number of Days	Budget		Standard		Supreme
Number of Days	Individual	Family	Individual	Family	Individual	Family
1-4 days	₱463.23	₱943.25	₱507.59	₱1,081.89	₱510.35	₱1,095.97
5-6 days	₱579.53	₱1,267.49	₱669.75	₱1,466.47	₱715.69	₱1,569.14
7-8 days	₱678.72	₱1,518.48	₱789.88	₱1,760.90	₱846.81	₱1,879.55
9-10 days	₱762.83	₱1,685.25	₱888.75	₱1,953.29	₱1,002.16	₱2,222.56
Annual Multi-Trip (Maximum of 90 days per drip)	₱13,614	₱31,510	₱14,765	₱33,717	₱17,274	₱39,885
365 days	₱20,369	₱47,187	₱22,094	₱50,576	₱25,911	₱59,749

🌐 Worldwide Group

Number of Days	Budget		Standard		Supreme
Number of Days	Individual	Family	Individual	Family	Individual	Family
1-4 days	₱468.59	₱938.49	₱521.59	₱1,118.25	₱671.35	₱1,463.48
5-6 days	₱592.75	₱1,267.86	₱708.75	₱1,553.94	₱985.69	₱2,189.70
7-8 days	₱707.88	₱1,435.48	₱868.88	₱1,929.15	₱1,250.81	₱2,803.31
9-10 days	₱835.75	₱1,666.01	₱1,002.75	₱2,230.51	₱1,460.16	₱3,274.45
Annual Multi-Trip (Maximum of 90 days per drip)	₱14,429	₱33,186	₱17,554	₱40,291	₱27,068	₱58,066
365 days	₱21,643	₱49,780	₱17,554	₱60,358	₱37,756	₱86,994

🌐 Schengen Group

Number of Days	Supreme
Number of Days	Individual	Family
1-4 days	₱671.35	₱1,463.48
5-6 days	₱985.69	₱2,189.70
7-8 days	₱1,250.81	₱2,803.31
9-10 days	₱1,460.16	₱3,274.45
Annual Multi-Trip (Maximum of 90 days per drip)	₱27,172	₱58,066
365 days	₱37,860	₱86,994

Take note that for individuals aged between 60 and 65 years old, an additional 50% increase will be added to the premium cost.

Conversely, for individuals aged between 66 and 75 years old, an additional 100% increase will be added to the premium cost.

For individuals aged 76 and above, you have to contact PGA SOMPO at inquiry@pgasompo.com for more information about their premium cost.

If you’re traveling via a cruise tour, an additional 30% increase will be added to the cost.

PGA SOMPO Travel Insurance Review: Is PGA SOMPO Worth It?

This PGA SOMPO Travel Insurance review won’t be complete if we don’t actually deliberate on whether or not this insurance product is worth getting. Now that you know the full coverage and cost of the PGA SOMPO insurance, do you think its features and perks match your travel insurance needs?

Depending on what you value in a travel insurance policy, TravelJOY Plus can be a perfect fit for you.

For starters, it can cover a year-long trip, which is rare for most travel insurance providers.

PGA SOMPO also provides a seamless end-to-end customer experience. Access its 24/7 customer support service wherever you are in the world.

Get your insurance online and pay via online payment channels like online bank transfer, GCash, and GrabPay, among others.

pga sompo travel insurance review - payment channels

You can also conveniently file a claim online. Just accomplish the claims form on the PGA SOMPO website, upload the required documents, and wait for your claim to be processed.

PGA SOMPO also offers a cashless medical assistance benefit. For example, you don’t have to pay your bills if you get hospitalized during your trip abroad. Your PGA SOMPO travel insurance policy can take care of it the same way your HMO card takes care of your medical expenses here in the Philippines.

How to Avail of a PGA SOMPO Travel Insurance Policy

To avail of a PGA SOMPO travel insurance policy, just follow these simple steps:

Head to the Moneymax Travel Insurance landing page.
Click Get Quote under PGA SOMPO TravelJOY Plus.
When you’re redirected to the PGA SOMPO travel insurance page, input your trip details and click Get a Quote.
Choose the package you want, and then click Buy Now.
Accomplish the PGA SOMPO travel insurance form. Once you’re done, tick the privacy policy checkboxes and click Continue.
Pay your premium via your preferred payment channel.
Once complete, your e-policy will be sent to your registered email address.

Avail of a travel insurance policy via Moneymax

How to Make a PGA SOMPO Travel Insurance Claim

You can easily file a PGA SOMPO travel insurance claim as you have a lot of channels through which you can send your claim request. Here are the hotlines to remember:

PGA SOMPO 24/7 Emergency Assistance Hotlines:
- Travel: +632 8811-2521
- Mobile/Viber/WhatsApp: +639175622100
- Motor: +632 8459 4734
PGA SOMPO Trunk Line: (632) 8811-3417
General Inquiry Email: inquiry@pgasompo.com
Claims Inquiry Email: claims@pgasompo.com
Japanese Desk Email: info@pgasompo.com

You can also file a claim online by visiting the PGA SOMPO claims page^[4] and accomplishing the form with the complete details of your claim. Don’t forget to upload the required documents for faster claims processing.

Final Thoughts

We hope that this PGA SOMPO travel insurance review helped you narrow down your choices for travel insurance before booking your next international flight.

In case you’re looking for more options, you can check out our reviews of Oona travel insurance and Prudential travel insurance. Whatever provider you end up choosing, rest assured that the peace of mind you get while enjoying your trip overseas will surely be worth every peso.

Provider	Starting Premium for a 4-Day Trip	Coverage	Features
OONA Insurance	₱299	Up to ₱5 million coverage in medical, hospitalization, and travel inconveniences	24/7 worldwide protection and assistance services Car rental excess protection Cashless medical assistance
PGAI Travel Shield Insurance	₱361	Up to ₱2.5 million coverage in medical and emergency expenses benefit	24-hour worldwide assistance Emergency medical evacuation and repatriation Cashless settlements of claims up to the policy limit
PGA SOMPO TravelJOY Plus	₱463	Up to ₱2.5 million coverage in medical expenses	Covers infants and adults up to 75 years old (up to 99 for Schengen countries) 24/7 hotline assistance and mobile support Loss of money and travel document cover Cashless benefits in case of emergency treatment or hospitalization

Sources:

^[1]What to Do When Your Travel Plans Go South (Time Magazine, 2023)
^[2]PGA Sompo TravelJOY Plus (PGA Sompo website)
^[3]PGA Sompo Travel Insurance Coverage 2023 (PGA Sompo website)
^[4] PGA SOMPO claims page (PGA Sompo website)

PGA SOMPO Travel Insurance Review: Your Guide to Getting Insured

Princess Anaviso

PGA SOMPO Insurance Corporation: A Background

What is PGA SOMPO Travel Insurance?

PGA SOMPO Travel Insurance Packages