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Make sure you’re covered in the Philippines
People in general are aware that when they travel to foreign countries they are wise to take out travel insurance when they book their holiday, or to take out an annual travel insurance policy each year. And most people wouldn’t think about leaving the country without it, recognising its importance should the unexpected occur. But what people are less aware of is the possibility that the travel insurance policy that they have purchased may not cover them for all eventualities – and not all of these exemptions are freak occurrences. Some may be fairly innocuous activities, such as scuba diving or backpacking. The Philippines is a wonderful tropical country, with a fantastically diverse array of culture, wildlife, and landscape scattered across the 7,107 islands that make up the Philippine archipelago. The vast majority of the 2 million travellers who visit the Philippines each year have incident-free trips. But, as with almost any country in the world, there are dangers individual to the Philippines that travellers need to be aware of before they go. The countries in the tropics are both blessed and cursed by their geographical position. The Philippines is located on the north-western fringe of the Pacific Ring of Fire, an active area of seismic activity. This accounts for the many active volcanoes around the country, although with current scientific equipment it is unlikely that an eruption would not be predicted in good time. The more pressing concern is that the Philippines are also within the Western Pacific typhoon belt, and suffer, on average, 19 strikes a year. It is advised that travellers do not visit the Philippines in the rainy season between June and November, which is also when typhoons occur. If, for whatever reason, someone was to visit in these months, they need to make sure that their travel insurance covers them for the effects of natural disasters, or catastrophes, as they are sometimes known. The other main unexpected exemption is for sports such as scuba diving. The Philippines is one of the world’s top diving destinations, so again, make sure that the policy covers this. Some companies even offer adventurous sports policies, which specifically provide for the eventualities associated with risky sports. Generally, it does not cost much to take out additional cover, and this is sometimes the easiest way to make sure an existing policy provides adequate cover. Boracay Articles |
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