Free Travel Insurance with Metrobank Travel Signature Visa

Travel to your dream destination worry-free with up to ₱25M coverage* when you book your flights using your Metrobank Travel Signature Visa.

Terms and Conditions:

1. Qualified Cardholders 

   Complimentary travel insurance, coursed through AXA Philippines Life and General Insurance Corporation or “AXA”, is available to active primary and supplementary Metrobank Travel Signature Visa cardholders in good credit standing (“Cardholder”) aged 85 and below.

2. Complimentary Travel Insurance Coverage
   
   

3. Eligibility 

   To avail of the complimentary travel insurance benefit, the Cardholder must charge his / her airfare spend to the Metrobank Travel Signature Visa card.

   	Domestic	International
   Origin	Within the Philippines
   Destination	Domestic	Worldwide
   Policy type	Annual-Multi trip
   Age eligibility	Adult: 18 – 85 years old Child: 0-17 years old
   Maximum trip duration	50 days (unlimited trips per year)
   Covered mode of transport	Via air only

4. Effectivity

   Cardholders are covered for unlimited trips, with each trip eligible for coverage of up to 50 consecutive days. Coverage extends to the spouse and up to two children, provided they are traveling with the cardholder. 

   1. Coverage Start: Begins when the cardholder leaves their residence or workplace in the Philippines, but not earlier than 3 hours before the scheduled departure.

   2. Coverage End: Whichever occurs first:

      • 3 hours after arrival at the final destination (as per itinerary)

      • Expiry of the insurance period (as stated in the policy)

      • Return to the cardholder’s residence or workplace in the Philippines
        
        AXA Terms and Conditions apply

5. Your Metrobank card comes with a complimentary travel insurance. To enjoy free coverage under this program, the Cardholder consents to the sharing between Metrobank to AXA Philippines Life and General Insurance Corporation (AXA) of the Cardholder's personal data, including first name, last name, middle name, birthdate, gender, residential or permanent address, email address, and contact number. Metrobank and AXA will process Cardholder's personal data in accordance with their respective data privacy policies and pursuant to the Data Privacy Act of 2012.

6. Cardholders may request a Certificate of Coverage (COC) by contacting AXA Customer Care channels.

   • Customer Care Hotline at (02) 85815-AXA (292), (0917) 170-9292 for Globe/TM, or (0919) 056-5292 for Smart/Sun/Talk & Text

   • Email: customer.service@axa.com.ph

7. Claims must be submitted directly to AXA by the customer or their family, along with the completed claim form and required supporting documents. AXA will review and process the claim accordingly. 

8. The complimentary travel insurance benefit is not convertible to cash, credit, or other goods and services.

9. All questions or disputes regarding the cardholder’s eligibility for or availment of the complimentary travel insurance shall be resolved by Metrobank. The decision of Metrobank shall be considered as final.

10. Metrobank may at any time vary, modify, delete or amend, in whole or in part, these Terms and Conditions. Such modifications and amendments shall be effective on such date or dates as determined solely by Metrobank and with prior notice to Cardholders. In addition, Metrobank reserves the right at any time in its sole discretion, with notice to Cardholders, to revoke or terminate the Complimentary Travel Insurance Program.

11. In case any portion of these Terms and Conditions is declared invalid or unenforceable, the portions not otherwise affected shall remain valid and enforceable.

12. By availing of the Complimentary Travel Insurance Program, the Cardholder confirms that he/she has read, understood and agreed to the Metrobank Credit Card Terms & Conditions and these Travel Insurance Terms and Conditions.

13. For any questions, concerns, or clarifications, please contact Metrobank Customer Support at (02) 88-700-707 or Domestic Toll-Free Hotline 1-800-10-8700707. Cardholders may also send an email to customerservice@metrobankcard.com.
    
    Metrobank is regulated by the Bangko Sentral ng Pilipinas.

Frequently Asked Questions

Eligibility & Availment

Who are qualified for the complimentary travel insurance?
Active primary and supplementary Metrobank Travel Signature Visa cardholders aged 85 years old and below, in good credit standing, are eligible for the complimentary travel insurance benefit.

How can I avail of the travel insurance benefit?
To be eligible, the cardholder must charge their airfare to their Metrobank Travel Signature Visa card.

Coverage Details

What is the coverage of the travel insurance program?

		Domestic	International
Section 1- Personal Accident Benefits
1 (a)	Accidental Death and Permanent Disablement	Principal: PHP 10,000,000 Spouse: PHP 2,000,000 Child: PHP 200,000	Principal: PHP 25,000,000 Spouse: PHP 5,000,000 Child: PHP 500,000
Section 2 – Travel Inconveniences Benefits
2 (a) i	Trip Cancellation	Up to PHP 20,000	Up to PHP 20,000
2 (a) ii	Trip Postponement	Up to PHP 20,000	Up to PHP 20,000
2 (b)	Trip Delay	Up to PHP 20,000 PHP 2,000 per 6 hours	Up to PHP 20,000 PHP 2,000 per 6 hours
2 (c)	Baggage Delay	Up to PHP 20,000 PHP 2,000 per 6 hours	Up to PHP 20,000 PHP 2,000 per 6 hours
2 (d)	Loss / Damage to Baggage	Up to PHP 40,000 PHP 8,000 per item subject to PHP 500 deductible	Up to PHP 40,000 PHP 8,000 per item subject to PHP 500 deductible
2 (e)	Loss of Travel Documents	Up to PHP 10,000 Replacement cost and other expenses	Up to PHP 10,000 Replacement cost and other expenses
Section 3 – Medical Expenses
3 (a)	Emergency Medical Expense due to Accident and/or Illness	Principal: Up to PHP 100,000 Spouse: Up to PHP 100,000 Child: Up to PHP 50,000 subject to PHP 5,000 deductible	Principal: Up to PHP 200,000 Spouse: Up to PHP 200,000 Child: Up to PHP 100,000 subject to PHP 5,000 deductible

When does the insurance coverage take effect?
Cardholders are covered for unlimited trips, with each trip eligible for coverage of up to 50 consecutive days. Coverage also extends to the spouse and up to two children, provided they are traveling with the cardholder.

What is the coverage period for my travel insurance?
Coverage starts when you leave your residence or workplace in the Philippines, but not earlier than 3 hours before your scheduled departure.

It ends at the earliest of the following:

• 3 hours after arrival at your final destination (as per your itinerary)
• Expiry of the insurance period stated in your policy
• Return to your residence or workplace in the Philippines
  
  

Is a Travel Signature Visa that has been cancelled or converted to another Metrobank credit card still eligible for free travel insurance?
No. Eligibility for the complimentary Travel Signature Visa travel insurance benefit is limited to active Metrobank Travel Signature Visa cardholders only. 

Are children covered under the Travel Signature Visa travel insurance?
Yes. Coverage extends to the spouse and up to two (2) dependent children, provided they are traveling with the cardholder. Child coverage is subject to the following conditions:

• Coverage is applicable to dependent children aged 0–17 years old
• Applicable child benefit limits shall apply, as stipulated in the insurance policy

Coverage Scenarios for Children

Scenario 1

Two (2) of Mr. X’s children are his supplementary cardholders and booked their flights using their own Metrobank Travel Signature Visa cards. Will the other two (2) children who are not supplementary cardholders be covered? Yes.

Covered Individual	Coverage Details
Mr. X (Principal)	Up to two (2)   dependent children may be covered
Child 1   (Supplementary)	Covered with   applicable child coverage
Child 2   (Supplementary)	Covered with   applicable child coverage

Scenario 2

Mr. X’s wife is his supplementary cardholder and booked her flight using her own Metrobank Travel Signature Visa card. Will four (4) children be covered in total (i.e., two [2] under Mr. X and two [2] under his wife)? Yes.

Covered Individual	Coverage Details
Mr. X (Principal)	Up to two (2) dependent children may be covered
Wife of Mr. X (Supplementary)	Up to two (2) dependent children may be covered

Scenario 3

Mr. X’s wife and two (2) children booked their flights using their own Metrobank Travel Signature Visa cards. Will all five (5) children be covered (i.e., two [2] under Mr. X, one [1] under his wife, and two [2] under the children’s own cards)? Yes. All five (5) children will be covered.

Covered Individual	Coverage Details
Mr. X (Principal)	Up to two (2) dependent children may be covered
Wife of Mr. X (Supplementary)	Up to two (2) dependent children may be covered
Child 1 (Supplementary)	Covered with applicable child coverage
Child 2 (Supplementary)	Covered with applicable child coverage

Scenario 4

Mr. X transacts two (2) separate airline transactions using his Metrobank Travel Signature Visa card for the same trip. Will this allow coverage for four (4) children (i.e., 2 × 2 children)? No. Coverage is on a per trip basis; therefore, only up to two (2) dependent children may be covered per trip.

Scenario 5

Mr. X’s supplementary cardholder (who is his child, Mr. Y) already has children. Are the supplementary cardholder’s children covered? Yes.

Covered Individual	Coverage Details
Mr. X (Principal)	Up to two (2) dependent children may be covered
Mr. Y – Child of Mr. X (Supplementary)	Up to two (2) dependent children may be covered
Child 1 of Mr. Y	Covered with applicable child coverage
Child 2 of Mr. Y	Covered with applicable child coverage

Documentation

How can I request a Certificate of Coverage (COC)?
You may request a COC by contacting AXA’s Customer Care. Requests must be made at least 5 business days prior to your trip.

Special Cases

Can I use my complimentary travel insurance for Schengen visa application?
No. Schengen visa requirements include medical travel insurance coverage worth at least €30,000 (approx. Php 2.1M).

If you wish to get a comprehensive travel insurance coverage, you may purchase AXA Smart Traveller by clicking this link: https://www.axa.com.ph/products/travel-insurance/partners/metrobank  

Claims

How do I file a claim?

• The client must submit the complete requirements within 30 days from the date of the occurrence of loss through the following emails: oneclaims@axa.com.ph and eirene.follero@axa.com.ph
• AXA will review the client’s submission and may request for additional documents (as needed) to facilitate the claim.
• The client will receive a notification within 7 to 10 business days from submission whether his/her claim has been approved or denied by AXA.
• For detailed claims and guidelines, clients may refer to AXA Terms and Conditions.