Oona Philippines travel insurance: Everything you need to know before you buy

For many, planning a trip is one of the most exciting things, and seeing that plan come to life brings a whole other level of happiness. While the young travellers get busy picking their outfits and bookmarking the best food spots, the adults look into more important matters, like flight and hotel bookings. And collectively, the group counts down the days until departure. But let’s be honest: almost no one gets excited about buying travel insurance.

Many Filipino travellers view travel insurance as an annoying extra cost. You might ask yourself, "Do we really need this? We are only going away for a few days, and we are responsible!"

While many of us share that view, real-world experiences tell a different story. For instance, one traveller encountered someone at an airport counter who was weeping over lost luggage that held crucial medication and necessary clothing. In another incident, a traveller slipped on a damp pavement and faced out-of-pocket emergency hospital expenses totalling tens of thousands of pesos.

That is where travel insurance comes in. It is not just a piece of paper for immigration; it is your financial safety net when unexpected problems happen away from home.

In this complete guide, we will look closely at Oona Philippines Travel Insurance. We will cover what it is, what it protects, how much it costs, and whether it is the right choice for your next getaway.

Also Read: Traveller's blueprint: How and when travel insurance pays for emergencies

What is Oona Insurance Philippines?

Oona Insurance is a leading general insurance company across Southeast Asia. They bring a modern, digital-first approach to insurance.

Instead of filling out long paper forms or visiting a branch, Oona lets you quote, customise, and buy your travel insurance policy online in under five minutes. They offer coverage for local trips within the Philippines, short international vacations across Asia, and long journeys to Europe or America.

Also Read: No visa needed? You still need travel insurance

Why do Filipino travellers need travel insurance?

Filipino travellers: travel insurance needs

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Many travellers skip insurance to save a few hundred pesos, hoping nothing goes wrong. But travel involves unpredictable factors beyond your control:

Flight delays and cancellations: Weather disruptions or airport issues can leave you stranded at NAIA or an overseas terminal for hours, forcing you to pay for extra meals or unexpected hotel stays.
Medical emergencies abroad: Overseas healthcare can be extremely expensive. A simple ER (emergency room) visit, or an overnight hospital stay in countries like Japan, Singapore, or the US, can easily cost hundreds of thousands of pesos.
Lost or delayed baggage: Airlines misplace thousands of bags every day. And the thought of losing your belongings in a foreign country is scary; it can ruin your trip before it even starts.
Visa requirements: If you are applying for a Schengen Visa to visit Europe, you must have an accredited travel insurance policy with at least €30,000 in medical coverage.

Also Read: 7 Questions to ask before buying travel insurance

Oona travel insurance plans compared

Oona offers three insurance plans to travellers: Travel Lite, Travel Premier, and Travel Elite. All three plans can be tailored for single trips or annual coverage, depending on how often you fly.

Here is a side-by-side comparison of the three plans:

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Also Read: Planning your next trip? Here is how AXA Smart Traveller keeps you covered

What does Oona travel insurance cover?

Oona breaks down its protection into four main categories: Medical Expenses, Baggage Protection, Travel Inconveniences, and Special Services.

1. Medical and Emergency Expenses

Medical emergencies while travelling abroad are the biggest financial risk. And thank God for Oona, as it provides robust coverage across all tiers:

Hospitalisation & medical treatment: Pays for doctor fees, hospital rooms, surgeries, and prescribed medicines if you get sick or injured on your trip (up to PHP 5M on Elite).
Emergency dental care: Covers urgent treatment for dental pain or injuries caused by an accident (up to PHP 10,000).
Emergency medical evacuation: If a traveller is stranded in a remote area without adequate medical care, Oona will arrange and pay for transport to a proper medical facility or back home to the Philippines.
Compassionate visit: If you are hospitalised abroad for more than 5 consecutive days, Oona covers airfare and lodging costs for a family member to visit and care for you.
Escort for dependent children: If you are hospitalised and travelling alone with a child, Oona can help arrange care and safe transport back home for your minor child.

2. Baggage and Personal Belongings

Lost or damaged luggage can derail any vacation. Oona gives you peace of mind with the following coverage:

Lost or stolen checked-in bags: Reimburses you up to PHP 60,000 if the airline loses or damages your checked baggage.
Carry-on & personal items: Protects carry-on luggage and personal belongings against theft or loss (up to PHP 50,000).
Loss of travel documents: Helps pay fees and expenses to replace a lost or stolen Philippine passport or travel visa while abroad.

3. Travel Inconveniences

Flight problems happen often, but Oona helps cushion the blow:

Trip cancellation: Reimburses non-refundable flight and hotel bookings if you have to cancel your trip due to covered emergencies (such as sudden severe illness or a family emergency).
Trip curtailment: Covers extra expenses if you must cut your trip short and return home early.
Flight delays & missed connections: Provides allowances for meals, drinks, or accommodation if your flight is delayed or if you miss a connection due to airline issues.
Flight diversion & hijacking: Offers payout benefits if your plane is rerouted or hijacked.

Note: Flight delay/cancellation benefits are capped at fixed amounts, depending on the plan; for instance, the delay/cancellation allowance ranges from PHP 10,000 to PHP 40,000, depending on the tier.

4. Extra protection & perks

Oona includes several secondary benefits that set it apart from basic policies:

Personal liability: Protects you financially if you accidentally cause bodily injury or damage someone's property while on vacation.
Car rental excess protection: Reduces your out-of-pocket payment if you damage a rental car abroad (up to PHP 300,000).
Bail bond assistance: Provides financial assistance for legal bonds up to PHP 50,000 if you face unexpected legal issues abroad.

Also Read: Travel Master vs. TraveLite: Which Malayan plan is right for your next trip?

Step-by-step guide: How to buy Oona travel insurance online

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Buying Oona Travel Insurance takes less than five minutes on their website:

Visit the official site: Go to myoona.ph and select Travel Insurance.
Input details: Enter your travel destination, travel dates, and the number of travellers.
Choose your plan: Oona offers three plans - Travel Lite, Travel Premier, and Travel Elite. Compare and select the plan that matches your budget and destination rules.
Enter passenger details: Provide correct details, this includes passenger/s full names, birth dates, passport numbers, and contact information as they appear on your government IDs.
Review and pay: Double-check your information. Apply any discount promos (such as seasonal discount codes on their homepage) and pay securely using a debit card, credit card, or GCash.
Receive policy via email: Your official policy document, complete with emergency assistance hotlines, will arrive in your inbox within minutes.

Also Read: Comparing travel insurance plans online: An essential guide for Pinoy travellers

How to file a claim with Oona

If something goes wrong while you are travelling, don’t worry, just follow the steps mentioned below and make the claim process smooth.

Notify 24/7 assistance: For medical emergencies, call Oona’s assistance hotline right away. They can guide you to an approved hospital and, where possible, arrange direct billing.
Gather required documents: Ensure you collect all original receipts, medical certificates, flight boarding passes, airline delay reports, police reports, etc.
Submit online: Next, you can either visit https://myoona.ph/claim/ or contact the customer care team. Upload the filled-out claim form along with digital copies of your receipts and supporting documents.
Follow-up: Your application will be reviewed, and you’ll receive updates via email or SMS.

Also Read: Why should you purchase a travel insurance policy online?

Pros and cons of Oona travel insurance

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Also Read: Flying to Taiwan? Why travel insurance should be in your backpack

Final verdict

Travel insurance is not an unnecessary expense—it is an investment in your safety and peace of mind. For as low as PHP299, Oona Travel Insurance provides reliable protection against lost luggage, delayed flights, and costly medical emergencies abroad.

Whether you are going on a quick weekend getaway to Hong Kong, exploring Japan's street food markets, or taking a bucket-list trip across Europe, Oona offers clear, budget-friendly options that keep you covered every step of the way.

Before you pack your bags and head to the airport for your next trip, take five minutes to secure your policy. You will travel with total confidence knowing you are protected no matter what happens!

Also Read: Why do local trips need a travel insurance plan?

FAQs

Q1. Is Oona Travel Insurance accredited for Schengen Visa applications?
Ans. Yes! Oona’s Travel Premier and Travel Elite plans meet and exceed the Schengen requirement of at least €30,000 (around PHP1.8 Million) in emergency medical coverage.

Q2. Can I buy Oona Travel Insurance if I am already overseas?
Ans. A travel insurance policy must be purchased before you begin your journey. Based on the plan, the coverage begins the moment you leave your residence or pass through airport immigration.

Q3. Does Oona cover trip cancellations due to bad weather or typhoons?
Ans. Yes, if a typhoon causes official flight cancellations or airport closures, your non-refundable hotel bookings and ticket costs are covered under the Trip Cancellation benefit.

Q4. Is local travel within the Philippines covered?
Ans. Yes! Oona offers domestic travel coverage for trips inside the Philippines, protecting against local flight delays, lost luggage, and medical emergencies.

Q5. What should I do if my luggage is lost by the airline?
Ans. First, report the issue immediately at the airline's baggage desk and get a Property Irregularity Report (PIR). You will need this document when submitting your claim. Next, contact your insurer asap.

Q6. Do travel insurance plans cover adventure sports?
Ans. Extreme sports or high-risk activities, such as mountain climbing or skydiving, are mostly excluded and often require special add-ons. It is recommended to always check the policy terms before engaging in extreme sports.

Also Read: Rainy season travel tips: Why insurance matters more than ever