April 13, 2017

Where to Buy Travel Medical Insurance for Schengen Visa Application in the Philippines

When I was checking the requirements for Schengen Visa, I was surprised when I saw the travel medical insurance because as far as I can remember, I did not get this when I applied for Norwegian Visa when I was still studying. All I can remember is I only get a Certificate of Enrollment from my school and that’s it! 

Read: How to Apply for Schengen Visa via VFS Global Norway

Now, travel medical insurance is a mandatory requirement if you are applying for Schengen Visa. To be honest, whenever we travel overseas, I do not get any travel insurance since our trip is more or less than a week. Travel insurance is an additional expense for our travel too so I’m just hoping and praying that our trip will be smooth. But it is very important to have travel insurance just to be sure that we are protected during our vacation. 

Read: Where to Buy Travel Insurance Online
Where to Buy Schengen Travel Insurance with COVID19

The Travel Medical Insurance must cover

1. Necessary medical treatment and emergency hospital care 
2. Repatriation because of illness, injury or death 
3. At least EUR 30,000/PHP 2.5M/USD 50,000 
4. Must be valid throughout the Schengen area 
5. Must be valid for the whole period you plan to stay in Norway or in the Schengen area. 

List of Accredited Insurance Companies by the Schengen Group in Manila 

1. ACE Insurance Philippines 
2. Chartis Philippines Insurance, Inc. 
3. Assist-Card 
4. Pacific Cross (Blue Cross) 
5. BPI – MS Insurance Corporation 
6. Fortune General Ins. Corp 
7. MAA Insurance 
8. Malayan Insurance Company, Inc. 
9. MAPFRE Insular Insurance Corporation 
10. Paramount Life and General Insurance Co 
11. PNB General Insurers Co., Inc. 
12. Standard Insurance Co. 
13. UCPB General Insurance Co. Inc. 
14. WorldWide Travel Insurance Plans 
15. Everest International Group Administrators Inc. 
16. FPG Insurance Co., Inc. 
17. Philippine British Assurance Co., Inc. 
18. Starr International Insurance Philippines 
19. Oriental Assurance Corporation 
20. Philippines First Insurance Company 
21. Pioneer Insurance Company 
22. Liberty Insurance Corporation 
23. QBE Seaboard Insurance Philippines, Inc. 

Among this list, I only checked two insurance company and I chose Malayan Insurance Company, Inc. because I can purchase it online. The rate is cheaper too compared to other insurance that I’ve inquired. The rate will depend on the number of days of your trip. Check the coverage here.

Malayan Travel Master Global Rates 2017

8 Days PHP770 
15 Days PHP1,100 
24 Days PHP1540 
31 Days PHP1,870 
45 Days PHP2310 
60 Days PHP2860 
90 Days PHP4785 

Since it is our first time to avail travel medical insurance, we registered first. Only 18 years old above can buy travel insurance. I purchased a group travel package so I can buy travel insurance for my 8-yr old son. We purchased the insurance few days before our scheduled appointment at VFS Global Norway. 

How to Purchase Malayan Travel Master Global Online 

1. Go to this link
2. Fill out the online form 

Travel Details - Select your travel destinations: Local, Asian or Worldwide
Travel Type - Destination/s 
Travel Duration: Travel duration must cover the date of departure to date of arrival. 
Purpose of Travel: Leisure, Business or Others 
Date of Departure
Will this be used for Schengen Visa Requirement? Yes or No 

Choose your Travel Insurance Package: Individual, Group or Family 

Enter your Personal Details 

Your Full Name 
Contact details: email address and phone number 
Name of Beneficiary 
Relationship of Beneficiary 

3. Click Submit 
4. Pay the Travel Medical Insurance (we use credit card)
5. Check your email for a copy of your insurance policy.
6. Print.

We received the email few minutes after our payment so it is very convenient. I printed two copies, one for the visa application and one copy for our travel. 

P.S. I asked them if the travel insurance is refundable in case of visa denial and the answer is NO. Waah! It is non-refundable so I was praying hard that our visa will be approved. 

Update May 2018: Aside from Travel Medical Insurance for Schengen Visa, you can also buy travel insurance if you are going to travel within the Philippines or in Asia, I just bought Travel Medical Insurance when we went to Bangkok, Thailand. Check it here.

Update January 2019

We are planning to visit my mom again so I checked Malayan Insurance Company and I was surprised because of the price increase. And because of that, nadagdagan ng PHP1325 ang visa expenses ko.

Travel Medical Insurance Rates of Malayan Insurance Company 2019

4 Days - PHP525
8 Days - PHP965
15 Days - PHP1345
24 Days - PHP1855
31 Days - PHP2235
45 Days - PHP2735
60 Days - PHP3365
90 Days - PHP5990

Pioneer Insurance Company

So I searched for other options and when I went to SM Business Center to request for PSA Birth Certificate and Marriage Certificate, I saw a flyer of Pioneer Insurance Company. You can now buy "Safe Trip" Travel Insurance at SM Store. You can choose from Worldwide 2.5M,
Worldwide 1.5M, and Domestic.

* For individuals, 14 days to 85 years old
* Maximum of 184 days travel duration

Pioneer Insurance Company Travel Insurance Rates "Safe Trip"

Rates per individual

Travel Duration          Worldwide PHP2.5M           Worldwide PHP1.5M

1 to 4 days                      PHP599                                   PHP449
5 to 7 days                      PHP899                                   PHP649
8 to 10 days                    PHP1099                                 PHP749
11 to 15 days                  PHP1499                                 PHP1049
16 to 21 days                  PHP1699                                 PHP1549
22 to 31 days                  PHP1799                                 PHP1749
32 to 62 days                  PHP2999                                 PHP2749
63 to 92 days                  PHP4999                                 PHP3749
93 to 123 days                PHP5999                                 PHP5049
124 to 153 days              PHP7999                                 PHP6549
154 days to 184 days      PHP9999                                 PHP8549


Travel Duration             Domestic (Via Air Only) PHP500,000

1 to 4 days                        PHP199
5 to 7 days                        PHP399
8 to 10 days                      PHP599
11 to 15 days                    PHP699
16 to 21 days                    PHP899
22 to 31 days                    PHP999
32 to 62 days                    PHP1499
63 to 92 days                    PHP1999
93 to 123 days                  PHP2499
124 to 153 days                PHP2999
154 to 184 days                PHP3999

I checked their rates and they are cheaper than Malayan Insurance Company. I was planning to go back to SM to buy the travel insurance but after what happened to my PSA order, I changed my mind kasi baka matagalan naman sa pagkuha ng policy. I haven't tried Pioneer Insurance Company and I can't find some reviews online.

We need the travel insurance as soon as possible so my husband and I decided to purchase our travel insurance at Malayan because we can order it online and we've tried it before. But in my future travel, I will consider Pioneer Insurance Company and I hope I can also buy this insurance online.

Update: March 2022

Pacific Cross

For our third Schengen Travel Insurance, I purchased our insurance at Pacific Cross. You may read this post ''Where to Buy Schengen Travel Insurance with COVID19" for more details. 


  1. My husband bought insurance from Blue Cross (Pacific Cross na sila). Kaso na denied sya, good thing narefund nya yung insurance nya. Full naman binalik sa kanya.

    1. Buti refundable sa kanila, Malayan insurance is nonrefundable.

  2. Thanks for sharing this. I travel a lot, I am planning to get a travel insurance soon.

  3. Hi how much did you pay for the group travel package with your son? Thank you

    1. For 60 days, P2860 x 2 persons (me and my son)

  4. Hi. Meron po ba silang up to 6 months?

  5. Hi, I've just purchased travel insurance from Malayan and they e-mailed me the master policy plus an attachment called Travel Master Insurance Wordings and the file contains "Comprehensive Travel Personal Accident Policy" etc. and on the 2nd page of this file theres a part that says "IN WITNESS WHEREOF, the company has caused this policy to be signed by its duly authorized officer/representative at etc, etc..." and requires an "authorized signature." Am I supposed to go to their headquarters or something to have it signed in order for it to be official and in effect? This part confused me because I had already paid and what's the point of processing online if I still have to make an appearance and set an appointment with and authorized official? Help please..thank you!

    1. Hi Angelica, I just checked my travel insurance that I bought last April, I saw the In Witness Whereof, that page has already a signature of the President so I did not go to any office.

  6. Hi, I just purchased the travel insurance from Malayan and I just noticed that the total sum insured is only P1,000,000 which is less than the minimum requirement of EUR30,000. I'm just confused that the embassy wouldn't accept this. Or is it the 2.5M coverage under the Medical Expense/Treatment cause it includes Worldwide Travel. Thanks!

    1. Hi Arvin, I think they check the total coverage. Malayan is part of their accredited insurance company so I guess there will no problem. I purchased and submitted Malayan Travel Insurance too and visa approved (VFS Norway).

  7. Hi, thank you very much for posting this on your blog. It is very helpful. I have one question and I hope you can give me an advice. I am actually just about to buy the insurance from Malayan and we plan to apply in Italy embassy. We will only go to Italy, but Embassy of Italy requires coverage in for the entire Europe. Should I tick Italy and Europe as the destination? or is ticking Italy enough?

    Thank you very much.

    1. Hi! Yes, you can do that. I checked my old insurance and I selected Norway and All Schengen Countries (Europe)

    2. It's still me, thank you very much !!

  8. Perfect blog!!
    Is the malayan insurance still fit in the schengen requirments his 2019? And also i wonder where you book a ticket and howmuch is it? Thankyou!!

    1. Yes, Malayan is part of their accredited insurance company. We bought our insurance online at Malayan. With regards to plane ticket, we called KLM to reserve ticket. (No fee but good for 3 days only)

    2. So how much did you pay for the ticket po?

    3. We did not pay anything for the booking via KLM. (Ticket reservation only) The price of airfare varies so it is better to check your preferred airlines for the price.

    4. Hi Michi! Is it okay to submit the reservation from KLM which will expire in 3 days? will the consul have no problem with it?

      I've already scheduled my appointment for next month and I'm currently looking for options on how to get a ticket reservation.

      Thank you!

    5. Hi Mags, we submitted an expired booking reservation from KLM and our visas were approved. This was our experience at VFS Norway so I’m not sure for other VFS. But if you want, call KLM or your preferred airline to reserve a ticket, day or 2 days before your appointment.

  9. Sadly 5999 pesos na ang malayan :(

  10. Thank you mam for your nice article. 2 po yung nagamit ko na travel insurance papunta Sweden . First po ang Pacific Cross. Wala naman ako magiging comment masyado dhil wala naman akong claim that time. Sa 2nd trip ko po sa Sweden din ay Malayan Insurance. Nagkaproblema ako sa baggage. Naiwanan sa Singapore and after 2 days saka nadeliver sa akin. 6weeks bago ako nakabalik sa Pilipinas and it took me 2mos bago nakakuha ng claim sa kanila. Nahirapan po talaga ako sa pag ff up. Kaya ngayon,nagaayos ako uli ng byahe,ttry ko ang Pioneer Insurance😀

    1. Thanks for sharing your experience. Parang mahirap nga magclaim sa Malayan kasi may nabasa din ako sa iba na nahirapan naman makacontact nung nagkasakit during travel. Good thing, okay naman biyahe namin kasi Malayan nabili ko sa mga past travel.