Prudential Travel Insurance: PGAI Travel Shield Review

Traveling is one of life’s greatest pleasures. But it certainly has its fair share of inconveniences, some of which may even affect you financially. For that matter, it’s wise to get travel insurance.

You might’ve heard of Prudential Guarantee’s PGAI Travel Shield. But is it the right plan for you? What are its benefits? And how much does it cost?

Learn that and more in this Prudential travel insurance guide.

What is PGAI Travel Shield?

PGAI Travel Shield is a comprehensive travel insurance policy that protects the insured from medical, accidental, and travel inconveniences. Prudential travel insurance comes in various options, such as the following:

Domestic – This policy covers land, sea, and air travel within the Philippines.
Standard – This covers international destinations outside the Schengen Area.^[1]
Comprehensive – Coverage applies anywhere in the world. Take note that this insurer’s Schengen accreditation is being renewed at the moment.
Annual – This policy is designed for those who go on long-term or multiple trips within a year.

Is PGAI Travel Shield Legit?

Yes. It’s offered by Prudential Guarantee, one of the country’s leading non-life insurance companies.

Prudential Guarantee operates more than 30 offices in key cities and provinces. The company also maintains a roster of over 600 clients, many of whom are part of the Philippines’ 1,000 corporations.^[2]

Aside from travel insurance, Prudential Guarantee offers the following: accident and health insurance, auto insurance, aviation insurance, engineering insurance, fire and property insurance, and works of art program, among others.

What Does PGAI Travel Shield Cover?

Is Prudential travel insurance right for you? The policy covers essentials fit for both domestic and international trips.

Check out the inclusions of PGAI Travel Shield:

Medical necessary expenses – These include expenses due to accident or sickness during the trip. COVID-19-related hospitalizations are also covered.
Personal accident – In case of death or disability due to an accident, the insurance will provide a lump sum benefit.
Emergency medical evacuation and repatriation – With this coverage, the insurer can arrange transport for your trip to the Philippines or other locations for medical treatment. In case of death, the insurer will arrange the return of mortal remains to the Philippines.
Trip cancellation and termination – In case you need to cancel or cut your trip short due to covered reasons, the insurance will pay for losses related to non-refundable fare and other expenses, like accommodation.
Flight delay – If your flight is delayed for more than six hours (domestic) and over eight hours (international), the insurance will pay for the incurred expenses. Covered causes of delay include severe weather, equipment failure, and airport/airline strike.
Loss or damage – The insurance will pay for the loss and damage of your baggage and other belongings during your trip.
Baggage delay – If your checked-in baggage is delayed, the insurance will pay for the purchase of necessary items like clothes and toiletries.

PGAI Travel Shield Types and Benefits

So how much will you get from Prudential Guarantee's travel insurance in case the unexpected happens? That will depend on the type of your trip. Check out the following:

✈️ International Travel Insurance Plans

Prudential Guarantee’s international travel insurance in the Philippines offers medical and accidental benefits, worldwide assistance benefits, and travel inconvenience benefits. If you’re looking for travel insurance with COVID coverage, PGAI Travel Shield also has it.

Take a look at the benefits:

Inclusion	Standard	Comprehensive
Medical and Accidental Benefits
Medical necessary expenses including COVID-19 cover	Up to ₱1 million	Up to ₱2.5 million
Emergency and accidental dental expenses	Up to ₱25,000	Up to ₱25,000
Emergency medical evacuation and repatriation of mortal remains	Up to ₱1 million	Actual cost
Daily hospital confinement allowance	₱1,000 per day for a maximum of 20 days	₱1,000 per day for a maximum of 20 days
Worldwide Assistance Benefits
Compassionate visit	Up to ₱100,000	Up to ₱200,000
Personal accident	Up to ₱1 million	Up to ₱2.5 million
Accident burial benefit	Up to ₱10,000	Up to ₱50,000
Return of minor children	Up to ₱100,000	Up to ₱200,000
Travel Inconvenience Benefits
Personal liability	Up to ₱1 million	Up to ₱1 million
Trip cancellation	Up to ₱75,000	Up to ₱200,000
Trip termination	Up to ₱75,000	Up to ₱200,000
Flight delay	Up to ₱2,000 per 12 hours for a maximum of 96 hours	Up to ₱3,000 per 12 hours for a maximum of 96 hours
Aircraft skyjacking	Up to ₱2,000 per 12 hours for a maximum of 96 hours	Up to ₱5,000 per 12 hours for a maximum of 96 hours
Flight misconnection	Up to ₱4,000 per 12 hours for a maximum of 96 hours	Up to ₱4,000 per 12 hours for a maximum of 96 hours
Loss or damage of baggage and personal effects	Up to ₱50,000, subject to ₱10,000 per item	Up to ₱50,000, subject to ₱10,000 per item
Baggage delay	Up to ₱2,000 for the first six hours Additional ₱3,000 after 24 hours Additional ₱5,000 after 48 hours	Up to ₱4,000 for the first six hours Additional ₱6,000 after 24 hours Additional ₱10,000 after 48 hours
Loss of travel documents	Up to ₱5,000	Up to ₱5,000
Loss of personal money	Up to ₱5,000 with a deductible of ₱1,000	Up to ₱5,000 with a deductible of ₱1,000

✈️ Domestic Travel Insurance Plans

Just like its international policy, Prudential Guarantee’s domestic travel insurance in the Philippines offers medical and accident benefits, worldwide assistance benefits, and travel inconvenience benefits.

The difference is that some inclusions of the domestic variant are lower in value. After all, this particular plan is only applicable to travels within the country.

Nevertheless, this PGAI policy may also work as travel insurance with COVID-19 coverage.

Medical and Accidental Benefits
Medical necessary expenses including COVID-19 cover	Up to ₱1 million
Emergency and accidental dental expenses	Up to ₱25,000
Emergency medical evacuation and repatriation of mortal remains	Up to ₱500,000
Daily hospital confinement allowance	₱1,000 per day for a maximum of 20 days
Worldwide Assistance Benefits
Compassionate visit	Up to ₱100,000
Personal accident	Up to ₱1 million
Accident burial benefit	Up to ₱10,000
Travel Inconvenience Benefits
Trip cancellation	Up to ₱50,000
Trip termination	Up to ₱50,000
Flight delay	Up to ₱1,000 per 6 hours for a maximum of 96 hours
Baggage delay	Up to ₱5,000 per 6 hours for a maximum of 48 hours
Loss or damage of baggage and personal effects	Up to ₱50,000, subject to ₱10,000 per item
Aircraft skyjacking	Up to ₱1,000 per 6 hours for a maximum of 96 hours

How Much is a PGAI Travel Shield Policy?

Using Prudential Guarantee’s quote calculator, here are the rates for domestic and international insurance. Note that these figures are based on a six-day trip:

💸 PGAI Travel Shield International Rates

Destination	Individual Plan	Family Plan
Australia	Starts at ₱725	Starts at ₱1,649
China	Starts at ₱550	Starts at ₱1,188
Dubai (UAE)	Starts at ₱725	Starts at ₱1,649
Japan	Starts at ₱725	Starts at ₱1,649
South Korea	Starts at ₱550	Starts at ₱1,188
USA	Starts at ₱725	Starts at ₱1,649

💸 PGAI Travel Shield Domestic Rates

Individual Plan	Family Plan
Starts at ₱483	Starts at ₱989

To know your specific rate based on your travel specs, use PGAI’s travel insurance calculator.^[3]

Prudential Travel Insurance Review: Pros and Cons

Should you get PGAI Travel Shield? The verdict of this review is that it’s worth getting. Aside from the inclusions specified above, Prudential travel insurance offers the following advantages:

👍 Cashless Medical Coverage

PGAI Travel Shield comes with cashless medical assistance. This works like an HMO card, which means you don’t have to file for a reimbursement claim in case you need to avail of your medical benefits.

Get this benefit by calling Prudential Guarantee’s Emergency Assistance Hotline at +632 8459 4734. A representative will guide you through the process.

👍 24-Hour Support

PGAI Travel Shield’s Emergency Assistance Hotline is available any time during the day. According to the insurer, you can contact the hotline anytime and anywhere in the world.

👍 Easy to Purchase

You can easily purchase PGAI Travel Shield online. This means you don’t have to leave your house or talk to an agent to buy a policy. You can also buy your protection anytime, anywhere.

👍 Customizable

You can customize your travel insurance policy, depending on your travel specifications. In case your travel plans change, you can still adjust the details of your insurance. To do that, contact PGAI via +632 8651 9500 local 8225 (Monday to Friday, 8:30 a.m. to 5:30 p.m.) or pgatravel@prudentialguarantee.com.

👍 Quick Effectivity

Your Prudential travel insurance coverage is effective five hours before your trip. It then ends upon your arrival at the airport of your final destination or date in the policy, whichever comes first.

👍 High Age Limit

PGAI Travel Shield offers insurance for seniors over 75 in the Philippines—for travelers up to 80 years old, in fact. In contrast, other insurers accept applicants up to 75 years old only.

However, Prudential travel insurance is not without its share of downsides. So before you apply, take note of the following:

👎 No Pre-Existing Condition Cover

Just like other travel insurance policies, PGAI Travel Shield excludes those with pre-existing conditions from getting medical-related claims. However, travelers under this category can still purchase Prudential travel insurance to cover other inconveniences.

👎 Non-Cancellable

If you change your mind, know that PGAI Travel Shield is non-cancellable and non-refundable. The best you can do is have your policy adjusted in case there are changes in your travel plans.

👎 Quite Expensive

Compared to the standard prices of other insurers, the cost of PGAI Travel Shield is slightly higher. However, it’s possible to get a lower premium, depending on your destination and trip duration.

How to Get a PGAI Travel Shield Policy

Where to get this travel insurance? Here’s how to avail of Prudential travel insurance via Moneymax:

Visit Moneymax’s travel insurance page.
Under PGAI Travel Shield Insurance, click Get Quote.
You’ll be then redirected to PGAI’s travel insurance calculator. Enter your travel requirements (e.g., single trip, destination, date, and age, etc.). Then click Get Quotes.
On the next page, you’ll see your options. Once you’ve picked a package, click Choose.
Supply the required information. Then click Continue to Payment.
On the next page, follow the prompts to complete payment.

Avail of a travel insurance policy via Moneymax

How to File a Claim

PGAI Travel Shield offers cashless medical coverage. As explained earlier, you can use it like an HMO or medical card to avail of the benefits.

Other inconveniences may require you to settle with your own money, but you can file a reimbursement claim application. Follow these steps:

Download and fill out the PGAI claims form.^[4]
Collate and scan the supporting documents (e.g., original medical report, police report, firefighter’s report, invoices, receipts, etc.) Refer to PGAI’s list of documents for more details.^[5]
Submit the claims form and the required documents to pgatravel@prudentialguarantee.com.

Final Thoughts

Traveling is fun, but you can’t deny the fact that risks lurk around the corner. Get travel insurance and protect yourself and your family from money-related inconveniences during your trip.

With its inclusions, Prudential travel insurance makes a strong candidate. But before you commit to it, don’t forget to read its terms and conditions.

Meanwhile, compare how PGAI Travel Shield compares to other travel insurance policies via Moneymax:

Provider	Starting Premium	Medical/Accidental Death or Disablement Coverage	Trip Cancellation Coverage	Baggage Loss/Damage
OONA Travel Insurance	₱299	Up to ₱5 million	Up to ₱128,000	Up to ₱42,600 subject to ₱4,000 per item
PGAI Travel Shield Insurance	₱361	Up to ₱2.5 million	Up to ₱200,000	Up to ₱50,000 subject to ₱10,000 per item
PGA SOMPO TravelJOY Plus	₱463	Up to ₱2.5 million	Up to ₱70,000	Up to ₱5,000 per item
Cocogen Travel Excel Plus	₱263	Up to ₱4.2 million	Up to ₱214,000	Up to ₱102,000 subject to ₱12,700 per item

Sources:

Prudential Travel Insurance Review: Is PGAI Travel Shield Worth It?

Jay Pagkatotohan

What is PGAI Travel Shield?

Is PGAI Travel Shield Legit?

What Does PGAI Travel Shield Cover?