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.
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:
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.
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:
Read more: Travel Without Worries: What is Travel Insurance and Where to Get One
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:
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:
Read more: Travelers, Take Note: List of Countries That Require Travel Insurance
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.
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:
To know your specific rate based on your travel specs, use PGAI’s travel insurance calculator.[3]
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:
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.
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.
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.
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.
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.
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:
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.
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.
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.
Where to get this travel insurance? Here’s how to avail of Prudential travel insurance via Moneymax:
Related: Travel Packing List: Clothing, Toiletries, and Other Essentials
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:
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:
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