Oona Travel Insurance Review: Coverage and Benefits

The back-to-back long weekends are just around the corner. You know what that means? Travel season!

Aside from booking your plane tickets and accommodations, you should also get travel insurance from providers like Oona. To learn more about this insurance provider and its travel policies, check out our Oona travel insurance review below.

What Is Oona Travel Insurance?

To kickstart this Oona travel insurance review, let’s first look at Oona Insurance as a whole. Formerly known as MAPFRE Insular, the rebranded Oona Insurance Philippines is wholly owned by Oona Philippines Holdings Corporation (OPHC), a trusted provider of non-life and personal accident insurance products.

A relative newcomer in the market, OPHC is an indirect subsidiary of Oona Holdings Pte. Ltd. in Singapore, which is backed by Warburg Pincus, a global private equity firm in New York City. Aside from the Philippines, Oona Insurance has made its mark in Indonesia—and between the two countries, Oona boasts a 99% claims settlement, over 5,000 network garages, and over 1.2 million satisfied customers overall!^[1]

Oona Insurance Corporation’s ultimate goal is to be one of Southeast Asia’s top five insurance providers, and it plans to do so by adopting digital solutions and introducing new insurance products, including travel insurance. In terms of legitimacy, Oona Insurance Philippines can go toe to toe with established insurance providers in the country.

Oona Travel Insurance Types and Coverages

Every travel insurance is categorized into two according to your destination—international and domestic—and both come with different sets of benefits and coverages.

🛡️ International

If you’re planning to go overseas to visit popular family holiday destinations, this policy is for you. Oona’s international travel insurance covers up to ₱5 million or US$ 100,000 for medical and emergency expenses, and up to ₱2.5 million or US$50,000 for COVID-19 expenses of up to one year.^[2]

This travel insurance policy covers medical and emergency expenses, flight cancellations or other travel inconveniences, and accidental death or disability during a trip. Oona’s international travel insurance also provides the following coverage:

Delayed Departure
Missed Connecting Flight
Aircraft Hijacking
Unlimited Repatriation Coverage
Escort of Minors
International Referral Services
Advance of Bail Bond

This policy is available in Corporate, Individual, Group, and Family Cover packages that come with their respective coverage limits. To see the full range of coverages for this travel insurance policy, see the table below. Note that if you’re planning to visit any country that requires a Schengen visa, you will have to check the Schengen Only column for the full coverage.

Benefits	Limit of Coverage				Schengen Only
	US$20,000	US$45,000	US$50,000	US$100,000
Travel Assistance Services
Medical and Emergency Expenses
Medical Expenses and Hospitalization Abroad	Up to US$20,000 (excess of US$60)	Up to US$45,000 (excess of US$60)	Up to US$50,000 (excess of US$60)	Up to US$50,000 (excess of US$60)	Up to €35,000 (excess of €40)
Emergency Dental Care	Up to US$200 (excess of US$60)				Up to €175 (excess of €40)
Delivery of Medicines	Actual Cost
Emergency Medical Evacuation / Repatriation	Actual Cost
Repatriation of Mortal Remains	Actual Cost
Escort of Dependent Child	Actual Cost
Repatriation of Family Member Traveling with Insured	Actual Cost
Compassionate Visit / Travel of One Immediate Family Member	Travel cost plus up to US$100/day, maximum of US$1,000				Travel cost plus up to €85/day, maximum of €850
Car Rental Excess Protection	Up to US$3,000		Up to US$6,000		Up to €4,000
First Medical Payment	Up to US$500 (excess of US$60)				Up to €400 (excess of €40)
Pre-Existing Condition Within the Look Back Period	Up to US$1,000 (excess of US$60)	Up to US$2,250 (excess of US$60)	Up to US$2,500 (excess of US$60)	Up to US$5,000 (excess of US$60)	Up to €1,750 (excess of €40)
Emergency Return Home Following Death of a Close Family Member	Actual Cost
Medical Referral / Appointment of Local Medical Specialist	Actual Cost
Connection Services	Actual Cost
Relay of Urgent Messages	Actual Cost
Long Distance Medical Information Service	Actual Cost
Advance of Bail Bond	Up to US$1,000				Up to €850
Cancellation
Trip Cancellation	Up to US$3,000 (excess of US$10)				€1,500 (excess of €10)
Trip Curtailment	Up to US$2,000 (excess of US$10)	Up to US$3,000 (excess of US$10)			€1,500 (excess of €10)
Travel Inconveniences
Delayed Departure	Up to US$200			Up to US$800	Up to €150
Missed Connection	Up to US$200			Up to US$800	Up to €150
Flight Diversion	Up to US$200			Up to US$800	Up to €150
Aircraft Hijacking (Maximum of 10 Days)	Up to US$100/day			Up to US$200/day	Up to €85/day
Personal Belongings and Baggage
Loss of Travel Documents Abroad	Up to US$2,000	Up to US$3,000			Up to €1,500
Baggage Delay	Up to US$200				Up to €150
Compensation for In-Flight Loss, Robbery, or Destruction of Checked-In Baggage	Up to US$1,200 subject to limit of US$ 150/item (deductible US$ 30)			Up to US$2,000 subject to limit of US$200/item (deductible US$10)	Up to €900 subject to limit of €100/item (deductible of €15)
Lost or Stolen Baggage / Personal Belongings Not Checked-In	Up to US$1,000 subject to limit of US$ 100/item				Up to €900 subject to limit of €100/item (deductible of €15)
Location and Forwarding of Baggage and Personal Effects	Actual Cost
Personal Liability Abroad	US$20,000	US$40,000	US$50,000	US$80,000	€35,000
Accidental Death and Permanent Disability	US$20,000	US$40,000	US$50,000	US$80,000	€35,000

Read more:

Avail of a travel insurance policy via Moneymax

🛡️ Domestic

Planning to take a trip out of town? Whether you’re looking to hit the country’s best surfing spots or planning to go on a themed trip to the country’s coldest destinations, you can secure peace of mind by getting an Oona domestic travel insurance policy.

This policy covers your trip for up to ₱1 million for medical and emergency expenses, good for a period of 90 days. It also offers coverage almost similar to the Oona international travel insurance package, including the following:^[2]

Delayed Departure
Missed Connecting Flights
Aircraft Hijacking
Unlimited Emergency Medical Evacuation
Escort of Minors

Just like its international counterpart, the Oona domestic travel insurance policy is available in Corporate, Individual, Group, and Family Cover packages. See the full range of coverages for this travel insurance policy below:

Benefit	Limit of Coverage
Benefit	₱500,000	₱1,000,000
Travel Assistance Services
Medical and Emergency Expenses
Medical and Emergency Expenses	Up to ₱500,000	Up to ₱1,000,000
Emergency Medical Evacuation	Actual Cost
Pre-Existing Condition Within the Look Back Period	₱25,000	₱50,000
Return of Mortal Remains	Actual Cost
Escort of Dependent Child	Actual Cost
Relay of Urgent Messages	Actual Cost
Cancellation
Trip Cancellation	₱20,000	₱50,000
Trip Termination	₱20,000	₱50,000
Travel Inconveniences
Delayed Departure	Up to ₱1,000	Up to ₱2,000
Missed Connecting Flight	Up to ₱10,000
Aircraft Hijacking (per day up to 10 days)	Up to ₱1,000	Up to ₱2,000
Personal Belongings and Baggage
Baggage Delay	Up to ₱1,000	Up to ₱2,000
Compensation for In-Flight Loss, Robbery, or Destruction of Checked-In Baggage	Up to ₱15,000	Up to ₱25,000
Lost or Stolen Baggage / Personal Belongings Not Checked-In	Up to ₱10,000 (₱2,000/item)	Up to ₱15,000 (₱2,000/item)
Personal Liability	₱750,000	₱1,500,000
Accidental Death and Permanent Disability	₱500,000	₱1,000,000

🛡️ Add-On: COVID-19 Coverage

Oona travel insurance is also equipped with special coverages for scenarios related to COVID-19 during any international or domestic trip. Here’s what you can expect from your policy:

Benefit	Limit of Coverage
Benefit	Domestic	International
Medical Treatment / Expenses Due to COVID-19	100% of the medical limit maximum	100% of the medical limit maximum of US$50,000 or whichever is lower
Repatriation of Mortal Remains	Covered up to US$5,000, or same as the Medical Limit, whichever is lower
Trip Cancellation Due to COVID-19	50% of the benefit limit	50% of the benefit limit but not exceeding US$1,000 (or whichever is lower)
Trip Curtailment Due to COVID-19	50% of the benefit limit	50% of the benefit limit but not exceeding US$1,000 (or whichever is lower)
Medical Evacuation or Transport and/or Repatriation in Case of COVID-19, Rebooking Charges, Meals and Accommodations, if Stranded Locally	Not Covered

🛡️ Important Conditions

While you can make your Oona travel insurance policy as comprehensive as you want it to be, there are important conditions you must take note of before securing one.

For starters, the validity of your travel insurance policy begins an hour before your scheduled departure and ends an hour after your scheduled or actual arrival, whichever comes first.

For Oona’s domestic travel insurance, you will only be covered for up to 90 consecutive travel days per trip (i.e., two-way continuous trip or two-way annual multi-trip) if you avail of the Individual or Family package. Also, your regular price premium can only insure travelers aged 18 to 64 years old.

For travelers beyond 65 years old, here is a quick guide to surcharges:

65 to 70 years old - 50% premium surcharge
71 to 75 years old - 100% premium surcharge

For Oona’s international travel insurance, your maximum period of coverage varies depending on your destination and age. See the matrix below for reference:

Asia and World
- 18 to 59 years old - 180 consecutive travel days per trip
- 60 to 75 years old - 90 consecutive travel days per trip
Schengen
- 18 to 59 years old - 180 consecutive travel days per trip
- 60 to 99 years old - 90 consecutive travel days per trip

Senior citizen travelers are also subject to a premium surcharge seen in the matrix below:

65 to 70 years old - 500% premium surcharge
71 to 75 years old - 100% premium surcharge
76 to 99 years old (for Schengen travelers) - 300% premium surcharge

How Much Does Oona Travel Insurance Cost?

Ready to pick and choose your Oona travel insurance? Here’s a preview of how much a policy can cost you depending on the destination and the package:

💸 Oona International Travel Insurance Rates

Destination	Individual Plan	Family Plan
Australia	Starts at ₱299	Starts at ₱673
China	Starts at ₱299	Starts at ₱673
Dubai	Starts at ₱299	Starts at ₱673
Japan	Starts at ₱299	Starts at ₱673
South Korea	Starts at ₱299	Starts at ₱673
USA	Starts at ₱299	Starts at ₱673

💸 Oona Domestic Travel Insurance Rates

Destination	Individual Plan	Family Plan
Baguio	Starts at ₱620	Starts at ₱1,045
Cebu	Starts at ₱620	Starts at ₱1,045
La Union	Starts at ₱620	Starts at ₱1,045
Palawan	Starts at ₱620	Starts at ₱1,045
Siargao	Starts at ₱620	Starts at ₱1,045
Zamboanga	Starts at ₱620	Starts at ₱1,045

Oona Travel Insurance Review: Is Oona Worth It?

Now that you know what you can expect from your Oona travel insurance, is it worth it to get a policy from this provider? Here are the benefits of choosing Oona for your travel insurance needs:

👍 Cashless Medical Assistance

Oona has a feature called cashless medical assistance that makes it convenient for you to avail of medical help wherever you are in the world. Think of it like having your very own HMO card that is accepted by most health providers here and abroad.

👍 Fast and Easy Purchase

Unlike traditional insurance providers, Oona has made it easier for everyone to buy insurance online, and their travel insurance products are no different. It will only take around five minutes to compare and customize your policy to match your needs for your upcoming trip.

👍 24/7 Customer Support

Oona has also made it easy for policyholders to get assistance wherever they are. Whether you’re traveling to Singapore, Canada, Italy, or anywhere else in the world, you can access Oona’s round-the-clock service.

Oona has partnered with Pacifico Assistance to accommodate any concerns 24/7. Just call +00 632 8459 4727 or email travelassist@oona-insurance.com.ph to get immediate help.

How to Avail of an Oona Travel Insurance Policy

As mentioned in the Oona travel insurance review section above, you can buy your policy completely online. Just follow these simple steps to get yours before your next trip:

Go to the Moneymax Travel Insurance page to compare travel insurance quotes.
To select Oona travel insurance, click Apply Now. You will be redirected to the Oona travel insurance availment form.
Provide all the necessary information about your upcoming trip. Once done, click Next.
Select the package you want to avail of. If you’re booking an international flight, you can choose between the three coverage limits: ₱1M, ₱2.5M, and ₱5M. For domestic, choose between two coverage limits: ₱500,000 or ₱1M. After selecting your limit, click Next.
Provide your personal information. Once done, click Next.
Review the information you provided, and tick the privacy policy checkbox. Once you’ve confirmed your information, click Next.
Review the breakdown of your premium. Once done, click Proceed to Payment.
Pay for your travel insurance premium via credit/debit card, GCash, or PayPal.
Once your payment is confirmed, your e-policy will be sent to your registered email.

How to Make an Oona Travel Insurance Claim

Follow these steps to make a general claim:

Call Oona’s claims assistance hotline at +632 8876 4400. You can also fill out Oona’s claims form online to make a claim.^[3]
Submit relevant documents via email or the Oona claims form page.
Once your claim is submitted, Oona will keep you posted on the status of your claim.

To file a claim in case of sickness during a trip, contact the Oona hotline at +632 8459 4727, and give the following information:

Personal Information
Policy Number
Contact Information
Location
Sickness or Injury

To file a claim in case of lost luggage, follow these steps:

Contact the customer service of the airline company.
Contact the Oona hotline at +632 8459 4727 to report what happened.
From there, Oona will guide you through the process of filing your claim.

Final Thoughts

When traveling, it’s always best to plan for the unexpected, especially when you’re thousands of miles away from home. If you bring with you your family and friends, that’s all the more reason to consider getting a travel insurance policy.

Hopefully, this Oona travel insurance review helped you find the right policy before your next trip. Once you’ve covered all your bases, all that’s left to do is to fully enjoy your vacation. Have fun!

Looking for other travel insurance providers? Compare your options below and apply via Moneymax:

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]Oona Travel Insurance (Oona website)
^[2]Oona Travel Insurance Brochure (Oona website)
^[3]Oona’s Claims Form

Oona Travel Insurance Review: How to Buy, File A Claim, and More

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What Is Oona Travel Insurance?