Personal Accident Insurance > Frequently Asked Questions

1. When does the cover begin and end?

Coverage starts two (2) hours before your trip and ends upon arrival at the airport of final destination or date in the travel insurance policy, whichever comes first.

2. If I get sick during my trip, does the policy cover my medical expenses?

Yes, you are covered for medical and hospitalization expenses if you get sick while travelling.

3. What if my luggage was delayed or lost by the airline?

PGA will reimburse you necessary expenses if the delay is more than 12 hours.

4. If my flight gets delayed, am I covered under Travel Shield insurance?

Yes, you can reimburse your expenses if the flight is delayed for more than twelve (12) hours.

5. I lost my baggage while traveling, is it covered?

Yes, we will reimburse you for the lost or stolen baggage up to Php50,000, subject to Php7,000 per item.

6. What is the age limit to be able to purchase travel insurance?

We will cover travelers up to 70 years old.


To apply or learn more, please call us through +63 2 4776076 or email

PGA Sompo Japan Insurance Inc.:


Filinvest corner Commerce Ave.,
Westgate Center, Filinvest Corporate City
Alabang, Muntinlupa City

201 EDSA, Mandaluyong City
1554 Philippines

PGA Cars Centre, 11th Ave., corner 28th St,
Bonifacio Global City, Taguig


201 EDSA, Mandaluyong City
1554 Philippines


PGA Cars Centre, 11th Ave.
Bonifacio Global City
1634 Philippines


Hyundai North EDSA:
Part of the PGA Cars, Inc. Group
1174 EDSA, Balintawak, Quezon City

1st Life:

R. Coyiuto Securities, Inc.:

Member: Philippine Stock Exchange
5th Floor Corinthian Plaza
121 Paseo de Roxas St.
Legaspi Village, Makati City

Pioneer Tours:

290-292 Dasmarinas corner Marquina St.
Binondo, Manila

Coyiuto Foundation:

COYIUTO HOUSE, 119 C. Palanca St.
Legaspi Village, Makati City