Free Travel Insurance and Purchase Protection

Give in to your urge to travel anytime and anywhere in the world, knowing that you are assured of protection from accidents and other travel-related problems.

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How Does RCBC Bankard Free Travel Insurance and Purchase Protection Work?
  • Keep yourself protected from unexpected trip-related inconveniences such as flight delay, misplaced or delayed baggage or even emergency trip cancellation.
  • Simply charge your international travel tickets such as airfare, cruise tickets or tour package through a travel agency to your RCBC Bankard, then call Customer Service hotline and provide your travel details. Receive a proof of coverage from our trusted provider, Malayan Insurance, who’ll send you an electronic Confirmation of Cover (e-CoC). 
  • When traveling abroad, just charge your purchases abroad to your RCBC Bankard card and enjoy FREE Purchase Protection to give you peace of mind against the accidental loss or damage of items you purchased abroad.
Travel Plus Insurance Benefits
Purchase your international travel tickets using your premium RCBC Bankard credit card - World Mastercard, Visa Infinite, Black Card Platinum Mastercard, Diamond Card Platinum Mastercard,  Visa Platinum*, JCB Platinum and Unionpay Diamond - whether directly through an airline, or via a travel agency, and enjoy the RCBC Bankard Travel Plus Insurance for FREE.
Plan A

Card purchase of travel tickets worth Php24,999.99 and below

Plan B

Card purchase of travel tickets worth Php25,000 and up
Accidental Death, Dismemberment and/or Disablement
Worldwide Php500,000 -
Local & Asian Travel X Php500,000
International Travel X ₱1,000,000
Recovery of Travel Expenses (Due to Emergency Situations of Traveller’s Immediate Family)
Emergency Trip Cancellation Php25,000 Php50,000
Emergency Trip Termination Php10,000 Php50,000
Travel Inconvenience Benefits
Baggage Delay Php5,000 Php50,000
Flight Delay (due to severe weather, mechanical trouble) Php1,000/day (up to 10 days/occurrence) Php1,000/day (up to 10 days/occurrence)
Loss of Travel Documents X Php50,000
Loss of Baggage X Php50,000
Strikes and Aircraft Hijacking X Php1,000/day
Emergency Medical Treatment (Accident/Sickness)
Local & Asian Travel X Php500,000
International Travel X Php1,000,000
Follow-up Care X Included
Hospital Cash Allowance (max of 10 days per confinement) X Php1,000/day
Travel Assistance Benefits
Emergency Repatriation X Unlimited
Emergency Evacuation X Unlimited
Return of Mortal Remains X Unlimited
Care for Unattended Minors X Unlimited
Compassionate Visit X Round Trip Fare
Value-Added Features
Car Rental Protection X Php100,000
Sports Activities Extension X Php100,000

IMPORTANT REMINDERS on availment of free Travel Insurance: For International Airline purchases and international travel tickets purchased from Local Carriers, Tour Operators or Travel Agencies, simply call 888-1-888 at least 3 working days before the scheduled flight to enroll in the FREE Travel Insurance.


Exclusive to RCBC Bankard Visa Platinum principal cardholders,  you are entitled to comprehensive travel insurance coverage worth up to Php5 Million for your card purchase of travel tickets worth Php40,000 and up.
Purchase Protection
Experience peace of mind against the accidental loss or damage of items you purchased abroad. Just charge them to your RCBC Bankard card to make the most of this FREE privilege!
  1. What is RCBC Bankard Purchase Protection Insurance Program?
    RCBC Bankard Purchase Protection Insurance Program (Purchase Protection) is a product being offered by RCBC Bankard for FREE to their cardholders that covers loss and accidental damage of items purchased OVERSEAS using RCBC Bankard credit card.
  2. When shall the cover commence and end?
    The cover will start from the date of purchase until 23:59 hours on the 90th day thereafter, except for items purchased under a merchandising program in which case shall commence from the date of delivery in undamaged condition to the Cardholder and until 23:59 hours on the 90th day thereafter.
  3. What is my maximum allowable benefit?
    Malayan Insurance shall only pay the purchase price of the item or the portion of such purchase price charged to the Card, up to Php 50,000 or the card’s credit limit, whichever is lower.
  4. Is the item still covered when I leave the country where I purchased it?
    YES, this is still covered. There is no geographical limit on the coverage of the item, as long as it is still within the period of ninety (90) days from date of purchase.
  5. Is Jewelry and Gems covered under this program?
    YES, but only as personal effects of the Cardholder against ROBBERY and BURGLARY, subject to a deductible (# 6). Coverage shall be from the date of purchase until the Cardholder/Insured arrives home or upon expiration of 30 days whichever comes first.
  6. Is there a deductible or participation fee when I file for a claim?
    Yes. There is a deductible of 10% of loss, or Php 5,000.00, whichever is higher, for each and every loss. Jewelry and Gems is subject to a deductible of 20% of the cost, or Php 5,000.00, whichever is higher.
  7. What items are NOT covered?
    This Insurance Program shall not cover any loss to:
    1. Property that is insured under an insurance policy, unless its coverage does not extend to cover such loss;
    2. Property that is covered under a guarantee or warranty unless the loss is not otherwise covered;
    3. Consumable and Perishables;
    4. Motor vehicles, or their motors, equipment and accessories (including communication devices intended solely for use in the vehicle), bicycles, marine craft, aircraft, model airplane and boats;
    5. Business Property purchased to be used for business purpose;
    6. Cash bank and currency notes, checks, travelers checks, money orders, postal orders, postage stamps, securities, negotiable instruments of any kind, bullion, rare or precious coins, documents or tickets of any kind, unset gemstones;
    7. Livestock, pets, animal, plants or other living creatures;
    8. Art, antiques, firearms and collectible items;
    9. Furs
    10. Jewelry, gems, precious stones and articles made of or containing gold (or other precious metals and/or precious stones) unless these are to be used as Cardholder’s personal effects and not part of the Cardholder’s trade or business
  8. What causes of loss or damage are NOT covered?
    This Insurance Program shall not cover any loss caused by or arising from:
    1. Mechanical, electrical or electronic breakdown, failure or derangement;
    2. Theft from any unattended vehicle unless all windows are securely closed and all doors, boot and openings are securely locked and there is a visible sign of break-in or forcible opening or entry.
    3. Marring or scratching, denting or chaffing, deterioration, depreciation, alteration, maintenance, any process of cleaning or dying, repairing or renovation, bleaching, dyeing, restoring or servicing.
    4. Leakage, loss of weight, shrinkage, evaporation, bulging, buckling, contamination, insect or vermin, inherent vice, wear and tear, rust, corrosion, mildew, atmospheric, or climactic conditions (including wind, rain, hail, sleet, snow and frost) or any other gradually operating causes;
    5. Delay, seizure, confiscation, destruction, requisition, retention or detention by customs or other government of public authority or official.
    6. The intentional, deliberate or fraudulent acts of the Cardholder or his representatives, or anyone residing in the same household or to whom the item has been entrusted.
    7. Mysterious disappearance or unexplained losses.
    8. Transit by air, vessels or ships, trains or vehicles, or any other modes of Public Transportation unless the Item is hand-carried by the Cardholder during the course of the transit.
    9. Product defects, faulty or defective design, material or workmanship, latent defect.
    10. Ionizing radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel, or the radioactive toxic explosives or hazardous properties of any nuclear assembly or nuclear component thereof.
    11. Acts of God including but not limited to earthquake, volcanic eruption, hurricane, cyclone, typhoon, windstorm and tornado, flood including overflow of the sea, sandstorm.
    12. Shipping and handling expenses or installation, assembly related costs.
    13. Items purchased for resale, professional or commercial use.
    14. Losses that are caused by vermin, insects, termites, mold, wet or dry rot, bacteria or rust.
    15. Losses due to mechanical failure, electrical failure, software failure, or data failure including, but not limited to any electrical power interruption, surge, brownout or blackout, or telecommunications or satellite systems failure.
    16. Items damaged due to normal wear and tear, inherent product defect or normal course of play (such as, but not limited to sporting or recreational equipment).
    17. Items that cardholder damaged through alteration (including cutting, sawing, and shaping).
    18. Items left unattended in a place to which general public as access.
    19. Losses due to or related to nuclear, biological or chemical event.
    20. Loss which arises directly or indirectly by reason of or in connection with war, invasion, or act of foreign enemy, hostilities or warlike operations (whether war has been declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportion of or amounting to a popular uprising, military or usurped power, martial law, riot or the act of any lawfully constructed authority.
    21. The insured’s person’s failure to exercise the necessary level of care and attention needed to avoid or diminish such loss or damage to the Insured Item.
    22. Diminution in value or loss of use of the Insured Item or consequential loss of any and every kind.
  9. How can I claim?
    A written notification to Malayan Insurance must be made within 48 hours from the happening of the incident and complete claim documents must be submitted to Malayan Insurance within seven (7) days from the date of the incident.
  10. What claim documents must I submit?
    A written notification to Malayan Insurance must be made within 48 hours from the happening of the incident and complete claim documents must be submitted to Malayan Insurance within seven (7) days from the date of the incident.
    1. Proof that the damaged or stolen item/s has been charged to the cardholder’s credit card
    2. Original copy of Sales Invoice or Original Receipt for the damaged or stolen items
    3. Affidavit of the cardholder on how the loss or damage of the purchased item/s was incurred
    4. Police report for Theft or Stolen Item claims
    5. Replacement cost or repair estimates for damaged item claims
Claims Requirements
  1. RCBC Bankard Credit Card used to purchase the international travel ticket
  2. Statement of Account showing purchase of International Airline Ticket
  3. International Airline Ticket/Boarding Pass
  4. Passport duly stamped by Bureau of Immigration (Departure and Arrival)
  1. Medical report
  2. In case of death, original copy of the Death certificate and coroner’s report
  3. Police report (if a medico legal case or a vehicular accident) or a duly notarized written statement by the claimant
  1. Out-patient
    1. Original Official Receipts
    2. Medical report
    3. Laboratory results (if any was done)
  2. In-patient
    1. Statement of Account (with breakdown)
    2. Official Receipts
    3. Medical Report
    4. Laboratory results (if any was done)
    5. Operative record and hispathology results (if surgery was done)
    6. Police report (if a medico legal case or a vehicular accident) or a duly notarized written statement by the claimant
  1. Medical Certificate of assured or family member
  2. Duplicate copy of death certificate of the immediate family member (if family member died)
  3. Birth certificate/marriage contract of the assured (depending on the relationship of the assured with the immediate family member)
  4. Certificate of cancellation of flight from airline
  5. Original receipts of pre-booked and non-refundable lodging and transportation
  1. Medical Certificate of assured or family member
  2. Duplicate copy of death certificate of the immediate family member (if family member died)
  3. Birth certificate/marriage contract of the assured (depending on the relationship of the assured with the immediate family member)
  4. New ticket purchased
  5. Boarding passes or stamp on passport
  6. Certificate of cancellation of flight from airline
  7. Original receipts of pre-booked and non-refundable lodging and transportation
  1. Notarized incident report or police report
  2. Document issued by the carrier for lost travel tickets or the embassy for lost passport
  3. Copy of the replacement passport and/or travel tickets
  4. Official receipts of the travel and communication expenses incurred in getting a replacement passport or travel tickets
  1. Irregularity report issued by the airline indicating the reason of the delay
  2. Receipts of expenses (food, lodging, transportation)
  1. Irregularity report issued by the airline indicating the reason of the delay
  2. Receipts of expenses (food, lodging, transportation)
  1. Baggage irregularity report issued by the airline if the loss occurred while the baggage was under their custody
  2. Police report if stolen
  3. Original official receipt/s of the lost baggage/s
  4. List of lost items with brand, model, type and corresponding amount
  1. Baggage irregularity report issued by the airline
  2. Delivery report from the airline stating the exact date and time that the baggage was retrieved
  3. Original official receipts of expenses incurred (on toiletries and clothing)
  1. Certificate issued by the carrier for lost travel tickets or the embassy for lost passport
  2. Copy of the replacement passport and/or lost travel tickets
  3. If loss occurred in such circumstances, an irregularity report from the airline or a police report
  4. Official reports of the travel and communication expenses incurred in getting a replacement passport or travel tickets

Cards with this Benefit