Free Travel Insurance and Purchase Protection

Enjoy a worry-free travel with your RCBC Credit Card.

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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.
  • Keep yourself protected from unexpected trip-related inconveniences with complimentary Travel Insurance for you & your travel companions. Simply charge your international travel tickets to your RCBC Credit Card and register online.
  • When traveling abroad, just charge your purchases abroad to your RCBC Credit Card and enjoy FREE Purchase Protection to give you peace of mind against the accidental loss or damage of items you purchased abroad.


Benefits and coverage vary per card type.
Please refer to the information below. Terms & Conditions apply.
Keep yourself protected from unexpected trip-related inconveniences with complimentary Travel Insurance & Purchase Protection.
Simply charge your international travel tickets such as airfare, cruise tickets, or tour package through a travel agency to your eligible Gold, Classic & selected Co-Brand RCBC Credit Card* then register online here at least 7 working days before your scheduled flight.
This complimentary travel insurance is extended to up to 2 family members** if their travel tickets are purchased by the principal cardholder using his/her RCBC Credit Card.
Upon successful registration, an electronic Confirmation of Cover (e-CoC) will be sent to you by our trusted provider, Malayan Insurance.


*Eligible RCBC Credit Cards: Gold & Classic Mastercard, Flex Gold & Flex Visa, Gold & Classic JCB, Co-Brand Cards: Landmark Anson’s and MANGO

**Spouses and parents up to 64 years old and children and siblings (unmarried and unemployed) up to 21 years old are eligible.

Terms & Conditions apply.

Travel Plus Lite Insurance Benefits
Accidental Death, Dismemberment and/or Disablement
Worldwide Php50,000
Recovery of Travel Expenses (Due to Emergency Situations of Traveller’s Immediate Family)
Emergency Trip Cancellation Php10,000
Emergency Trip Termination Php10,000
Travel Inconvenience Benefits
Baggage Delay Php1,500
Flight Delay (due to severe weather, mechanical trouble, airline) Php500/day (up to 3 days/occurrence)
Purchase Protection
When traveling abroad, just charge in-store purchases abroad to your RCBC Credit Card and enjoy FREE Purchase Protection to give you peace of mind against the accidental loss or damage of items you purchased abroad.
To file a claim, fill out this form completely within 48 hours from the happening of the incident and complete claim documents within seven (7) days from the date of the incident.
Terms & Conditions apply.
  1. hase Protection Insurance Program (Purchase Protection) is a product being offered by RCBC Credit Cards for FREE to their cardholders that covers loss and accidental damage of items purchased OVERSEAS using RCBC 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?
    You may submit a claim by filling out this Claims Form completely 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


Frequently Asked Questions

    RCBC Credit Card spend on international airfare, cruise tickets, or tour packages through a travel agency originating from the Philippines are eligible for free Travel Insurance and Purchase Protection. 

      Medical report Register for your free Travel Insurance when your credit card transaction is posted until/at least seven (7) working days before your trip at https://cloud.marketing.rcbcbankard.com/travelinsurance.

        No. Travel Insurance registrations through the website will prompt you to enter your posted transaction date and the amount reflected in the Statement of Account or the RCBC Digital app. Make sure to have this information ready for seamless registration.

        No. In order to receive your Travel Insurance electronic Certificate of Cover (e-COC) before your flight, online registration is required at least 7 working days prior to your scheduled flight . We strongly recommend that you register early at: https://cloud.marketing.rcbcbankard.com/travelinsurance

         Your international trip is covered for up to 15 calendar days. You can request added coverage from our insurance provider and pay with your RCBC Credit Card!

        ● Extension of cover

        ● Top up/upgrade to COVID cover - for Plan B ONLY. NOT APPLICABLE TO PLAN A.

        ● Other companion (exceeding 2).

        To request for added coverage, please get in touch with MALAYAN INSURANCE:

                Email: wmigue@malayan.com, ppangilinan@malayan.com

                Telephone (632) 8628-8341/8342, (632) 8628-8712 / Mobile (+632)920 9455119

        The Insurance Provider will cover flights from the PHILIPPINES to international destinations, including those with layovers and extended/multiple stopovers in other countries. Qualified origin is from anywhere in the Philippines; the destination is another country only, not vice versa. 

        Yes. Supplementary cardholders who use their RCBC Credit Card to purchase international airfare, cruise tickets, or tour packages from travel agencies are also entitled to free Travel Insurance without Purchase Protection

        If you need travel insurance and your flight is less than 7 days away, please contact the RCBC Credit Customer Hotline at (02)8888-1888 for assistance. Please note that requests made during the travel period will not be accepted.

        If you register at least 7 working days before your flight and have yet to receive your eCOC, please call the RCBC Credit Customer Hotline (02)8888-1888 or send an email to email@service.rcbcbankard.com so we can check the status of the request and provide feedback. 

        General Requirements

        1. RCBC 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)

        Personal Accident

        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

        Emergency Medical Treatment

        1. Out-patient

        a. Original Official Receipts

        b. Medical report

        c. Laboratory results (if any was done)

        2. In-patient

        a. Statement of Account (with breakdown)

        b. Official Receipts

        c. Medical Report

        d. Laboratory results (if any was done)

        e. Operative record and hispathology results (if surgery was done)

        f. Police report (if a medico legal case or a vehicular accident) or a duly notarized written statement by the claimant

        Emergency Trip Cancellation

        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

        Emergency Trip Termination

        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

        Loss of Travel Documents

        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

        Flight Delay

        1. Irregularity report issued by the airline indicating the reason of the delay
        2. Receipts of expenses (food, lodging, transportation)

        Strikes and Aircraft Hijacking

        1. Irregularity report issued by the airline indicating the reason of the delay
        2. Receipts of expenses (food, lodging, transportation)

        Loss of Baggage

        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

        Baggage Delay

        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)

        Loss of Travel Documents

        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