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What is solo travel insurance?

Solo travel insurance is a kind of insurance plan offered individually to people going in trips abroad or in the Philippines. In other words, one plan is offered per person, regardless of whether the insurance plan is for single trips or for yearly coverage spanning multiple trips. It usually is the most affordable option among kinds of travel insurance offered in accordance to the number of covered people. It is also the option with the most variations of coverage depending on the travel insurance provider.

Because the solo travel insurance option offers the most flexibility, a person who wants or needs to buy this kind of travel insurance should be aware of the fine print in each plan available to him or her. Conditions for each plan may vary depending on the destination of the traveller getting the insurance.

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Which insurance companies offer solo travel insurance?

As the solo travel insurance is the most common kind offered, this is available for all the insurance companies that you can compare with GoBear: BPI/MS Insurance Corporation, Citibank, FPG Insurance, Liberty Insurance, Malayan Insurance, Pacific Cross, Pioneer Insurance, Standard Insurance, and Starr Insurance.

What solo travel insurance can I get for Asia trips?

Majority of the solo travel insurance plans that GoBear displays on its comparison service can cover trips in Asian countries. Just keep in mind that more plans are available for trips to Southeast Asia and nearby places such as Hong Kong, China, South Korea, Taiwan, and Japan, compared to trips to the countries more distant from the Philippines, like Saudi Arabia, India, and the UAE. Among the 28 solo travel insurance plans available for a single trip to Singapore for three days, we displayed the most affordable and the most expensive:

Liberty Insurance (Travel Protector Plus Plan 500,000)

For just ₱200, the Travel Protector Plus Plan 500,000 solo travel insurance plan from Liberty Insurance offers coverage of up to ₱500,000 for personal accidents and a similar maximum amount for medical expenses, in addition to various compensation allotted for travel inconvenience scenarios (such as ₱12,500 for loss of baggage and ₱25,000 for trip cancellation).


FPG Insurance (Premier Plan)

On the other end of the spectrum, the Premier Plan from FPG Insurance costs ₱1,700. But the extra money paid for this solo travel insurance plan converts to a more lucrative package, including coverage of up to ₱2 million for personal accidents, up to ₱2.35 million for medical expenses, and up to ₱1 million for personal liability, in addition to enhanced compensation allotted for travel inconvenience scenarios (such as ₱42,000 for loss of baggage and a similar amount for trip cancellation).


What solo travel insurance can I get for Europe tours?

Solo travel insurance plans for Europe tend to be more expensive and available in fewer variations compared with their for-Asia counterparts. But this is because most European countries have more stringent coverage requirements for travel insurance. Here’s a sample of an average-priced travel insurance suitable for Europe trips:

Pioneer Insurance (Travel Light - Schengen Plan)

The Travel Light - Schengen Plan from Pioneer Insurance offers coverage for your week-long vacation in France for ₱1,457 per trip. Coverage for this solo travel insurance plan includes provisions of up to ₱2.35 million for personal accidents, up to ₱2.35 million for medical expenses, and up to ₱470,000 for personal liability, in addition to various compensation allotted for travel inconvenience scenarios (such as ₱9,400 for loss of baggage and ₱47,000 for trip cancellation).


What solo travel insurance can I get for journeys anywhere in the world?

Most of the solo travel insurance plans available for trips to Asia can also be bought for trips around the world. Just take note that each plan has its own restriction as to which destinations are eligible. For instance, while a lot of insurance companies will have no problem covering your trips to the US, they might not be as accommodating for trips to some obscure countries.

Standard Insurance (Worldwide Protect Peso 500K)

For a five-day trip to the US, the Worldwide Protect Peso 500K from Standard Insurance is one of the more affordable options, costing ₱357 per trip. This solo travel insurance plan offers coverage of up to ₱750,000 for personal accidents, up to ₱500,000 for medical expenses, and up to ₱470,000 for personal liability. The plan also offers compensation for travel inconvenience scenarios (such as ₱15,000 for loss of baggage and ₱50,000 for trip cancellation).

Need access to solo travel insurance anywhere in the world? Compare travel insurance with GoBear Philippines and find out which plan is best for your solo trip.

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