FPG Travel International

Personal Accident                                            
the Company pays a lump sum benefit in the event of death of the insured resulting from an accident during the duration of the trip  

Medical & Emergency Expenses                                             
the Company will pay for the customary, medically necessary and reasonable costs of hospitalization, surgery,medicines including doctor's fee in case of illness or injury of the insured during the duration of the trip  

First Medical Assistance                                            
the Company will pay for the initial emergency medical, surgical, hospital treatment and ambulance cost up to the limit of the plan

Emergency Dental Care                                            
the Company will provide dental assistance and necessary emergency treatment of natural teeth during the duration of the trip  

Return of a family member traveling with the Insured                                            
the Company will meet the cost in respect of one immediate family member accompanying the insured in the event that the insured be hospitalized due to sudden illness or accident for more than five (5) days or deceased considering this family member is unable to travel on his/her own 

Repatriation of Mortal Remains                                             
the Company will make the necessary arrangement in repatriating the mortal remains of the insured to the usual country of residence in the event of death during the duration of the trip

Escort of dependent child                                             
the Company will provide a suitable person to look after the insured's child/children in case of hospital confinement of the insured as a result of sudden illness or accident during the duration of the trip                                            

Compassionate Visit                                            
the Company will take charge of the transfer of an immediate family member from the usual country of residence in the event that the Insured be hospitalized for more than 10 days as a result of sudden illness or accident during the duration of the trip

Car Rental Protection                                            
the Company will reimburse the excess or deductible that the insured maybe legally liable to pay in respect of loss or damage caused by an accident to the rented vehicle during the duration of the trip                                            

Trip Cancellation                                            
the Company will pay for the unused and non-refundable portion of travel, accommodation & tours in the event that the insured did not proceed with the trip due to emergency reasons defined in the policy                                            

Trip Curtailment                                            
the Company will pay for the unused portion of the travel or accommodation in the event that the trip is shortened due to the emergency reasons defined in the policy                                      

Delayed Departure                                             
the Company will pay for the reasonable meals including transport and hotel accommodation in the event that the trip is delay for at least six (6) hours                                            

Missed Connecting Flight                                             
the Company will compensate the insured in the event of missed connecting flight due to technical failure, cancellation of service or departure, delayed departure, change of route, offloading of passenger and intervention of authorities      

Flight Diversion                                            
the Company will compensate the insured in the event that the contracted flight were diverted because of a poor weather conditions, industrial action, breakdown,technical failure, meteorological problems or natural disasters and intervention of authorities or other people using force                                            

Aircraft Hijacking Cover                                             
the Company will pay the insured a fix amount per day (minimum of 12 hours waiting period) in the event of delay or interruption of the trip as a result of aircraft hijacking    

Luggage Delay                                            
the Company will pay for the purchase of necessary clothing and toiletries in case of luggage delay for more than six (6) hours  

Compensation for in-flight-loss and damage of checked-in luggage                                            
the Company will pay for lost or damage of checked-in luggage up to the limited of the plan

Loss of Travel Documents                                            
the Company will pay for the cost to replace the new passport or documents as well as the accommodation expenses  

Accidental Burial Benefit                                             
the Company shall extend financial assistance for burial expenses incurred in the event of death of the insured resulting from an accident  

Personal Liability                                            
the Company will pay the insured for costs and expenses which the insured may be obligated to pay for the damage to a property belonging to third party as a result of negligence    

Delivery of Medicines                                            
the Company will cover the expenses of sending medicines, in case of emergency which are prescribed by the attending physician of the insured  

Relay of urgent messages                                            
the Company will take charge of relaying the urgent messages of the insured relating to any of the events covered in the policy    

Long distance medical information                                            
the Company will provide medical information and assistance to the insured thru the Company's certified physician    

Connection Services                                            
the Company will provide assistance thru its call centre in order for the insured to obtain miscellaneous services such as car rental, reservation and legal administrative information and referral 

Location and forwarding of luggage and personal effects                                            
the Company will furnish the insured with advice on reporting the robbery of loss of insured's luggage and personal possessions and collaborate arrangements in collecting such luggage 

Medical Referral                                            
through the Company's call centre, the insured will be given access and referred to any medical centre or medical practitioner of the Company's international network                                            
                                            
IMPORTANT DETAILS                                            
1. Family Package consists of a maximum of four (4) family members with at least 1 adult. Age elibigility for children is from 4 weeks up to 17 years old                                            
2. Premium surcharge shall apply to the following:                                            
    Age 60 - 65 - 50% surcharge                                        
    Age 66 - 75 - 100% surcharge                                         
3. Annual cover for frequent travelers provides unlimited trips but not to exceed 180 consecutive days per trip 
4. Europe Schengen Visa requires Elite cover                                            
                                            
EXCLUSIONS                     
                                 
1. Pre-existing conditions                                            
2. Suicides & self-inflicted injuries                                            
3. Illnesses or pathological states caused by the voluntary consumption of alcohol, drugs, toxic substances, narcotics or medicines acquired without medical prescription as well as any kind of mental illness or mental imbalance 
4. Extraordinary natural phenomena such as floods, earthquakes, landslides, volcanic eruptions etc.                                            
5. Events arising from terrorism, mutiny or crowd disturbances                                            
6. Injuries resulting from competitions, sports & training tests                                            
7. Wars with or without prior declaration, and any conflicts or international interventions using force or duress

Note: Complete list of exclusions are stipulated in the policy                                            

                                        
DISCLAIMER: The website contains only a brief description of the TRAVEL SHIELD PLUS insurance program and is not a statement of contract. Coverage is subject to the exclusions, provisions, terms and conditions of the actual policy.