Bits and Snippets of the Philippines

Basic Reading of Global Filipinos

Posts Tagged ‘vacation

A Travel Insurance Every Filipino Can Afford

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When you travel to away from your home, whether it is to the next province, the next island or a foreign destination, it is imperative that your loved ones are financially protected in case something happens to you – accident or otherwise. Even if about 66 percent of Filipinos are mindful of having insurance coverage, half of that actually have insurance coverage, regardless of amount or type. What about the others?

The Philippine Constitution has a section that specifically tells every Filipino that they need to insure themselves for the intereest of their spouse and their children. Section 10 of the Insurance Code of the Philippines defines “insurable interest” as “Every person has an insurable interest in the life and health: of himself, of his spouse and of his children; of any person on whom he depends wholly or in part for education or support, or in whom he has a pecuniary interest; of any person under a legal obligation to him for the payment of money, or respecting property or services, of which death or illness might delay or prevent the performance; and of any person upon whose life any estate or interest vested in him depends.”

Simply said, every Filipino must have a self-interest to protect his family from loss of family income because of an accident or death.

However, not many Filipinos can afford to buy insurance lumped over the course of a decade or more with huge contracted payments. The Philippine national statistics shows that the average family income is less than P20,000 a month for a household of more than 4 family members, and after deducting basic needs expenditure, the actual average savings per family is a paltry P3,500 a month.

I think the introduction of the Pioneer Insurance Travel Buddy is timely given that more than 50 percent of the population are employed or underemployed, and many of them take local and foreign trips from time and time again.

For only P100, you can be insured for P100,000 during 30 days.

Overseas Filipino Workers (OFW) can now insure themselves while traveling to their employment destination, on top of what other insurance they have that kicks in but only if they are in the country of their employment.

Filipinos traveling to other countries for a short stay like a vacation know that if they meet an accident, they have P100,000 in accident insurance from Pioneer Insurance to depend on.

Backpackers and budget travelers locally traversing the wonders of the Philippines can be protected in month they are enjoying the sights and sounds of the country.

And P100 is not even 1% of the insurance that can be claimed by you or your beneficiaries should you meet an accident or untimely death.

The benefits of getting the Travel Buddy by Pioneer Insurance are:

  • Loss of life (Php 100,000)
  • Disablement of both hands or both feet or sight of both eyes (Php 100,000)
  • Disablement of one hand and one foot or either hand or foot or sight of one eye (Php 100,000)
  • Disablement of one hand or one foot or sight of one eye (Php 50,000)

The Travel Buddy by Pioneer Insurance is solely available online. To know more about the Travel Buddy, click or visit

If you have questions, you may also write on the COMMENTS section located at the bottom of this article/blog.


Source: Pioneer Facebook | Pioneer Insurance site | | Philippine Census

Images & photos by Pioneer Insurance | user:Ohconfucius via | Kendii via


Note: This is not a paid article/blog.

Why Cruise Ships Do Not Pass-by the Philippines

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My uncle in the U.S. recently forwarded this e-mail message to me. After I read it, I realized it answered a long forgotten question in my mind why Manila was not a destination-of-choice of the cruise ships. I recently got involved with the travel service business and wished there were cruise ships that stopped by the Philippines.

I do hope that our electoral bets for the 2010 elections could find a way to fix this erring and embarrassing situation because I’m not banking at the current administration for a “change for the good.” The writer is right to say that each ship brings thousands tourists wherever they stop. Even to stopover for two nights or so already brings in thousands of tourist Dollars that could help further boost our tourism industry. Please share this story to them.

Hmmmm… I’m not really sure (if this) is the only reason: I know there’s the security involved for the American passengers (remember the kidnapping scandals?) At least, that’s what Tess Tumaneng’s version was (from Princess Cruises). There is a large presence of Al Queda members in our country plus our famous “mandurukots,” of course. Judge for yourself and please read below. When you think of it, why are cruise ships docking at Vietnam, Kuala Lumpur, Malaysia, Korea and other (cities), and they’re no better than Manila or Cebu?

This was written by a Pinoy couple who now lives in the US.

(I) would like to share with you what we found out as the reason why cruise ships of the big cruise companies skip Manila. My wife and I are regular cruisers and we always talk to the Filipino crew. When we took the 12-day Mediterranean cruise I asked the Pinoy waiters (because we are in a big group, we usually request for Pinoy waiters to be assigned to us) why all their Asian cruises skip Manila when they go to all the neighboring countries of the Philippines. “Tanong ko bakit ba wala sa itinerary ninyo ang Manila?

Ang sagot sa akin: “Noong una ho may cruises kami na humihinto sa Manila (subali’t) masyado hong matakaw ang mga taga Customs sa atin kaya ang management ho namin nag decide na i-skip na ang Manila. When inspection time comes upon our arrival and departure, yung mga Customs inspectors ho kasama ang mga pamilya nila para kumain ng libre sa ship namin. Tapos bago magbigay ng clearance para maka-depart ang ship namin maraming hinihingi ng sigarilyo at mga alak. Sa Manila lang namin na experience ang ganoon kaya nahihiya ho kaming mga Pinoy dito sa ship. Sa ibang ports sa Asia wala hong nanghihingi.

The new cruise ships have an everage of 2,000 to 3,000 passengers. Imagine the loss of tourism revenue for the Philippines because most cruise ships do not go to the Philippines. WHY???

How can the back crawl?

Written by Raffy Pekson II

September 12, 2009 at 4:57 pm