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Taking gf travelling with me around Asia. Please recommend good Philippine travel+health insurance providers.

3.9K views 24 replies 14 participants last post by  Lunkan  
#1 ·
Hey gang,

I plan on visiting my gf in the Ph in mid to late Sep. After a long-ish stay there (gonna be the 30 day visa free + 29 day extension) I plan on taking her with me on a long jaunt that I had planned in 2019 (that the pandemic put the brakes on) around Asia/Southeast Asia backpacking style, budget hotels/hostels and all that.

I will already have my UK-provided travel & health insurance covering me.

Would greatly appreciate it if you guys in the know could drop some names of reputable firms there that I could look into for travel + medical (including covid cover) for her.

She is pretty cued up about things but like me doesn't know too much about insurance providers there.

Feel free please to add any other pointers or tips you may have.

Thanks much :)
 
#2 ·
OMO but I always add medical travel insurance when travelling as Medicare in Oz don't cover O/S jaunts. Used to do that through my amex card when booking a flight and I think the underwriters were Lloyds, not travelled for a couple of years since C19 though. You can get medical travel insurance easily,,,, well used to be able to. Check out availability with the airline or as I always did by paying with amex, used to be a 30 buck fee but much more expensive going through carriers.

Cheers, Steve.
 
#3 ·
We used to use World Nomads when traveling from the Philippines but the last few years we have started using Philippine companies. The last trip was through allied bankers and cost around 10,000php for the two of us. There are different levels of plans available.
The thing is you never know how good your policy really is until you make a claim.
 
#6 ·
There is an expat insurance agent in the Angeles City expat FB group I am in. He just posted this. Maybe it would be cost effective to sign your GF up for a long term plan that includes travel???

For those of you that are relying on their savings in the event of a health catastrophe you may want to consider a health insurance alternative. Don't put your retirement at risk.
The plan is with Pacific Cross and starts at a $500,000 USD annual benefit up to age 65. Over 65, a $250,000 annual benefit and $100,000 age 76 and up.
The plan quoted has an annual deductible of $2,500 but you may choose zero and $5,000.
Also covers you also for 90 day trips excluding Canada; United States of America, Japan; People’s Republic of China; Hong Kong and Singapore..
The plan includes an access card that enables you to check in to the hospital with no hassle or cash outlay.
These are the annual premiums in USD:
40 $1,027
45 1,225
50 1,294
55 1,453
60 1,529
65 1,633
70 1,934
76 3,512
81 4,920
86 6,896
91 9,714
96-100 13,558
*Plan is available with no deductible at a higher premium or a $5,000 deductible at a lower premium
*Coverage limit available up to age 65 is $2,000,000 USD and $500,000 up to age 75
 
#8 ·
This. It is one of the greatest benefits that we enjoy coming from first world countries. We can travel almost anywhere. We can tavel to many third world country locations without even needing a visa.

Your filipina may need a visa to travel and she may not. Getting one could be easy or it could be more trouble than it is worth all depends where you go. Thailand easy. Japan difficult.
 
#11 ·
Yes we have to marry them. Or rather to be technical we have to sign a document with the INTENT to marry them within 90 days of arrival in the US.

And we sign an ironclad, bulletproof document that makes us finacially liable for them until they either become a US citizen or abandon their pursuit of becomming a us citizen.

Income requirements clean marriage record no criminal history.

Same requirements for man or woman seeking husband or wife.
 
#13 ·
Yes we have to marry them. Or rather to be technical we have to sign a document with the INTENT to marry them within 90 days of arrival in the US.

And we sign an ironclad, bulletproof document that makes us finacially liable for them until they either become a US citizen or abandon their pursuit of becomming a us citizen.

Income requirements clean marriage record no criminal history.

Same requirements for man or woman seeking husband or wife.
At the 90 days you have time to decide IF marry :) One in documentary married amost last hour, just enough to register it in time.

I suppouse there are minimum requirements at financial capacity at the American (as it is for Swedes too) because one without enough financial capacity asked a parent to step in and guarantee.
 
#12 ·
Why bother? Why go through all the heartache and costs, been there and not often a happy ending, read the posts from many failed relationships and marriages on this site, other sites and of course google is our best friend. Not saying this for all relationships but the old saying? Buyer beware especially here where no one honours a warranty.

OMO.

Cheers, Steve.
 
#23 ·
Why bother? Why go through all the heartache and costs, been there and not often a happy ending, read the posts from many failed relationships and marriages on this site, other sites and of course google is our best friend. Not saying this for all relationships but the old saying? Buyer beware especially here where no one honors a warranty.

OMO.

Cheers, Steve.
1992 Filipino love at first sight Divorced early 1999 God bless I still wish her success in her endeavors
 
#14 ·
I don't think the O.P. is asking about bringing a partner home to his country.

The difficulty in this case is the very common one (which takes a lot of guys by surprise) of people-trafficking 'suspicions' rearing their ugly head, when a young Filipina lady, not being an OFW, approaches the international departure desks in Philippines airports. Yes, that may seem ludicrous to you and I, but it is a fact of life here, for such (hopeful) travellers.
 
#15 ·
The difficulty in this case is the very common one (which takes a lot of guys by surprise) of people-trafficking 'suspicions' rearing their ugly head, when a young Filipina lady, not being an OFW, approaches the international departure desks in Philippines airports. Yes, that may seem ludicrous to you and I, but it is a fact of life here, for such (hopeful) travellers.
Not so odd by there have been a lot of sex trafficking of Filipinas.
Still?
 
#16 ·
You need to address that question to the Philippines government.

Bear in mind that their complying with international agreements (such as attempting to prevent 'people trafficking') is often a condition of certain gifts donated to the begging bowl .
 
#17 ·
Well. The Phil law is extreemly wide so other people than such criminals can get in trouble e g by promoting profesionaly a dating service!!! (So I have no idea how the known services with organiced big such arent cought. Perhaps by Police dont find that part of the law make sence or by bribe? :)
 
#21 ·
Hey gang,

I plan on visiting my gf in the Ph in mid to late Sep. After a long-ish stay there (gonna be the 30 day visa free + 29 day extension) I plan on taking her with me on a long jaunt that I had planned in 2019 (that the pandemic put the brakes on) around Asia/Southeast Asia backpacking style, budget hotels/hostels and all that.

I will already have my UK-provided travel & health insurance covering me.

Would greatly appreciate it if you guys in the know could drop some names of reputable firms there that I could look into for travel + medical (including covid cover) for her.

She is pretty cued up about things but like me doesn't know too much about insurance providers there.

Feel free please to add any other pointers or tips you may have.

Thanks much :)
Hey gang,

I plan on visiting my gf in the Ph in mid to late Sep. After a long-ish stay there (gonna be the 30 day visa free + 29 day extension) I plan on taking her with me on a long jaunt that I had planned in 2019 (that the pandemic put the brakes on) around Asia/Southeast Asia backpacking style, budget hotels/hostels and all that.

I will already have my UK-provided travel & health insurance covering me.

Would greatly appreciate it if you guys in the know could drop some names of reputable firms there that I could look into for travel + medical (including covid cover) for her.

She is pretty cued up about things but like me doesn't know too much about insurance providers there.

Feel free please to add any other pointers or tips you may have.

Thanks much :)
Safety Wing is quick and easy to sign up with and quite good from what I was told