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Frequently Asked Questions on Travel Insurance (updated June 24, 2025)

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About Ronnie Reyes

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Do you need travel insurance?

To get a quote, kindly provide the following details:

For International Travel:

  • Departure Date from the Philippines (e.g., July 1, 2024)
  • Arrival Date in the Philippines (e.g., July 30, 2024)
  • Destination: Choose any location worldwide, except for countries excluded by Starr (see list below).

Excluded Countries:

  • Ukraine
  • Russia
  • Iran
  • Afghanistan
  • Iraq
  • Syria

Additionally, COVID-19 coverage is not provided for Mainland China until further notice.

Coverage Plans:

  • Essential Plan: ₱1M coverage
  • Extra Plan: ₱2.5M coverage
  • Riders (Optional):
    • Golf Protection
    • Cruise Vacation
    • Cuba Diving
    • Snow Sports
    • Covid-19

Important Notes on COVID-19 (as of October 2, 2023):
Travel to China remains restricted, and COVID-19 coverage is unavailable in Mainland China.

Important Reminders When Obtaining Travel Insurance:

  • Printing the Policy: It’s not required to print the policy. Just ensure it’s accessible on your phone, iPad, or tablet. For Schengen visa interviews, print the cover page.

Important Information to Have on Hand:

  1. Policy Number (found on the cover page)
  2. Hotline Number (found on the cover page)
  3. Passport Number (required for identity verification when calling the hotline)

Who is Starr Insurance?

Starr Insurance is a global, privately held insurance and investments organization that offers a broad range of commercial, property, casualty, accident, health, and specialty insurance products worldwide. Their roots trace back to 1919, and they have a long history of growth and service under the leadership of Maurice Greenberg.

For more information, visit Starr Companies.

Frequently Asked Questions:

  1. What is the age limit for Travel Insurance coverage?
    • Annual plans: Up to 70 years old, renewable up to 75.
    • Short-term trips:
      • Domestic: 6 months to 80 years old
      • International: 6 months to 85 years old
  2. Are people with health conditions eligible for travel insurance?
    • Pre-existing conditions are not covered.
  3. What should I do if I get sick abroad?
    • Contact the hotline listed on your policy for guidance on the nearest hospital and necessary steps.
  4. Can I go to any hospital?
    • Coordinate with the hotline for recommended hospitals.
  5. Are confinement and surgery covered?
    • Yes, up to ₱2.5M, for procedures unrelated to pre-existing conditions.
  6. How is the hospital bill settled?
    • If directed to a hospital, costs are covered. Otherwise, you may pay upfront and seek reimbursement upon return.
  7. Should Starr be informed if my destination changes within the same country?
    • No, Starr does not need to be notified for changes within the same country.
  8. What is covered under a Family Travel Insurance plan?
    • Covers legal couples and children under 18, with 3 to 10 members.
  9. What qualifies as Domestic Travel Insurance?
    • Trips within the Philippines, at least 100 km away from your point of origin.
  10. What is the maximum duration for short-term travel insurance?
    • Up to 180 days.
  11. What is the maximum duration for Annual Travel Plans?
    • Up to 90 days per trip.
  12. Are terrorist acts covered?
    • Coverage applies unless the insured person is directly involved in the act.
  13. Are premiums refundable if my Schengen visa is denied?
    • Yes, with an official denial letter from the embassy.
  14. Does travel insurance cover COVID-19 medical expenses?
    • Yes, up to USD 50,000 or ₱2.5 million.
  15. Does Starr cover Monkeypox?
    • Yes, unless declared a pandemic by the WHO.
  16. Can travel insurance be extended while abroad?
    • Yes, but you must contact your agent before the policy expires to extend coverage.
  17. Does Starr have an international toll-free number?
    • Yes, call (632) 8689-6641 for global emergency services.
  18. What are common mistakes when filling out the application form?
    • Ensure the emergency contact is a trusted individual, not the traveler.
  19. Can I claim for flight disruptions?
    • Delays due to weather are considered disruptions, not cancellations.
  20. What’s the difference between a canceled and delayed trip?
    • Canceled trips are due to personal emergencies, while delayed trips are due to external factors (e.g., weather).
  21. Can infants be covered?
    • Yes, if they are at least 6 months old.
  22. Which countries are not covered by Starr?
    • Afghanistan, Cuba, Iran, Iraq, Syria, Sudan, North Korea, Russia, and Ukraine.
  23. Is COVID-19 covered in China?
    • As of April 21, 2024, COVID-19 coverage for China is still restricted.
  24. I am joining the marathon in the US. Will I be covered?
    • Starr does not cover sports competition.

For more information or inquiries, feel free to reach out:

Contact Ronnie Reyes for your Travel Insurance Requirements:

Disclaimer: Coverage details are subject to change without prior notice. Always consult your agent for the latest information before purchasing.

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