Travel Insurance
Protection for Every Trip
Where you go and for how long shapes your cover. Crux matches you to the right Smart Traveller plan.
Smart Traveller
Secure your travels with us.
Special rate for group travel, and a price you can start from.
Get Smart TravellerOffer valid until November 23, 2026.Conditions apply. An advisor confirms the details.
Which travel insurance tier fits your trip?
Complete the sentence: choose one option in each menu.
| What is included | Classic | Premier | Elite |
|---|---|---|---|
| In every tierEmergency medical expenses · Baggage loss & delay cover · Travel delay daily benefit · 24/7 emergency hotline | |||
| Medical evacuation cover | |||
| Trip cancellation | |||
| Trip interruption | |||
| Medical limits | Standard | Higher | Highest |
| Pre-existing condition cover | |||
| Adventure sports cover | |||
| Annual multi-trip option |
Choose where you are headed and what applies to you. Your tier lights up in the table above.
What does your travel insurance cover ?
Emergency Medical Expenses
Covers doctor visits, hospitalization, surgery, medication, and dental emergencies abroad. At network hospitals your policy covers direct payment: no out-of-pocket required.
Medical Evacuation & Repatriation
If you need emergency evacuation to a proper medical facility or back to the Philippines, your plan covers air ambulance and full repatriation costs.
Lost & Delayed Baggage
Reimbursement for lost, stolen, or damaged luggage. Baggage delay benefits cover essential purchases (clothing, toiletries) if bags are delayed beyond the threshold.
Trip Cancellation & Interruption
Reimburses prepaid, non-refundable expenses if your trip is cancelled due to illness, family death, or visa denial. Also covers costs from mid-trip interruption.
Travel Delay
Daily cash benefit if your flight or transport is delayed beyond the policy threshold. Covers meals and accommodation during unexpected delays.
24/7 Emergency Assistance
Round-the-clock multilingual helpline. Hospital referrals, emergency cash advance, lost document assistance, and legal referrals abroad.
Personal Accident Benefit
A benefit is paid to you, or to your beneficiaries, if an accident during the trip causes permanent disablement or death. The amount depends on the tier you choose.
Personal Liability
Helps with your legal liability if you accidentally injure someone or damage their property while travelling, up to the limit of your plan.
Go further with Smart Traveller
Buy it online through an advisor, and choose the features that match how you travel.
Travelling with family or friends? Ask about a group plan. Insuring several travellers together can bring a better rate than buying separate policies.
If you fly several times a year, one annual plan can cover all your trips, instead of a new policy each time. It is available on the Elite tier.
Going to Europe? Your plan meets the Schengen minimum medical cover, and we can issue the coverage certificate you attach to your visa application.
Who needs travel insurance from the Philippines?
Healthcare Professionals
Frequent Flyers
OFWs & Overseas Workers
Families
Business Travelers
Domestic Adventurers
How Crux Supports You During a Travel Insurance Claim
Buying travel insurance through an authorized partner like Crux (rather than directly online) gives you a local advisor who is available during the claims process. Here is what that looks like in practice.
Why buy through Crux vs direct online?
Buying directly online gives you a policy number. Buying through Crux gives you a policy number and a local advisor available via WhatsApp who knows your coverage details and can assist during the stress of a claim. The price is the same. The service is not.
First step
Emergency: Call First
Use the 24/7 emergency assistance number on your policy document. They can authorize direct hospital payment at network hospitals: no out-of-pocket required for covered events.
Second step
Document Everything
Keep all hospital receipts, medical reports, police reports (for theft/loss), and airline delay certificates. Crux can advise you via WhatsApp on exactly which documents to collect while you are abroad.
Third step
Crux Assists with Submission
Once you return, Crux advisors help you compile and submit your claim documents. We follow up on processing status and escalate if timelines exceed the standard window.
Consult our recommended guides
Short, plain answers to the questions travellers ask before they buy.
- Read the guide
Cheap travel insurance
What changes the price, what the lowest-cost plans leave out, and how to keep cover affordable.
- Read the guide
Best travel insurance
Five checks that separate a good plan from a weak one, and how to match the plan to the traveller.
- Read the guide
Travel insurance quote
The details to have ready, what a good quote should show, and how to ask for one.
- Read the guide
Schengen visa insurance
What the policy must cover for a Schengen visa application, and when to buy it.
- Read the guide
Annual multi-trip insurance
How a multi-trip plan works, who it suits and what to check before you choose one.
What this cover does not do
No fine print. Rosa gives you the plain list.
Or read the list here
A travel policy pays for the things that go wrong on a trip. It does not pay for everything. These are the usual gaps.
- A health condition you already had, unless your plan says it is covered. Cover for pre-existing conditions is listed in the Elite tier.
- Adventure activities such as diving, trekking or skiing, unless the plan includes them.
- Events you already knew about when you bought the policy, such as a cancelled trip.
- Baggage left unattended, and valuables above the limit.
- Injuries or losses linked to alcohol or drugs.
- Travel to places your government advises against, which policies commonly exclude.
- Routine dental and cosmetic treatment.
Exclusions differ from plan to plan. Read the policy wording, and an advisor can go through them with you before you buy.
The FAQ, in plain words
Straight answers before you fly.
When you book your trip. Cancellation cover only applies to events that happen after you buy, so the earlier the better.
Only if your plan says so. Pre-existing condition cover is listed in the Elite tier. Ask an advisor whether your condition is covered before you buy.
It can work as basic cover for a short trip, but check the medical limit and exclusions for your destination. For longer or costlier trips a standalone plan may fit better.
Classic is essential cover for short domestic and regional trips. Premier adds medical evacuation, trip cancellation and interruption, and higher medical limits for international travel. Elite adds pre-existing condition cover, adventure sports cover, an annual multi-trip option and the highest limits.
Applicants generally need to show proof of travel medical insurance that meets the Schengen requirements. Read our Schengen guide, and check the current rules of the embassy you apply to.
Usually yes. Tell the advisor who is travelling and their ages, and they will show the options for everyone.
Travel insurance
Get covered before you fly.
Talk to a licensed advisor about your trip. Classic, Premier or Elite: we help you choose the one that fits.