bpi blue mastercard travel insurance

BPI Blue Mastercard Review: Requirements, Features, and Fees

I recently got approved for a BPI Blue Mastercard — something I did not expect as I forgot the time I filled out an online form, received no verification calls, and simply got notified about the approval via SMS.

While it’s my sixth credit card, it is worth comparing to the other cards, particularly in terms of application requirements and process, benefits and features, and annual membership and other fees, among others.

Quick Summary — BPI Blue Mastercard is a recommended entry level credit card (for beginners) as it comes with easy application and approval process, competitive fees, and decent rewards. It can also be a good reference card being issued and backed by one of the largest banks. Read the complete review below.

BPI Blue Mastercard

As BPI promotes it, BPI Blue Mastercard is the ‘sensible credit card’ and the best choice for spending on everyday needs as well as big, planned expenses such as travels and vacations.

It comes with year-round discounts, freebies, and installment options from favorite stores while earning rewards points which can be redeemed as airline miles, shopping credits, and gift vouchers.

BPI — Reliable Credit Card Issuer

Bank of the Philippine Islands (BPI) is the oldest and currently the third largest bank, in terms of total assets, in the Philippines.

BPI is also a publicly listed and traded universal bank in the Philippine Stock Exchange (PSE) and offers financial services that include corporate banking, consumer banking, investment banking, and insurance services, among others.

Basic Card Features and Benefits

Apart from payment convenience, BPI Blue Mastercard comes with various interesting features and benefits, and some of these are:

• Non-Expiring Reward Points. You will earn one (1) BPI point for every PHP35 spend on anything, whether online and over the counter.
• Year-Round Discounts and Promos. With hundreds of BPI partner merchants and stores, you will enjoy a wide variety of offers all year long — from your favorite retail shops, restaurants, online stores, appliance and gadget shops, and more.
• Flexible Installment Options. You may also stretch your payment terms into installments up to 36 months and enjoy Real 0% Special Installment Plan (SIP), Buy Now, Pay Later, and additional installment limits with Bonus Madness Limit.
• Convenient and Rewarding International Shopping. You can anytime use your card internationally and enjoy one of the lowest forex conversion rates of just 1.85% abroad and online.
• Travel Insurance. You may also book flights using your card and get insured for FREE up to PHP2 million whenever you travel locally or internationally.
• Access to Ready Cash Anytime. You need not to worry about running out of cash because you have access to it when you need it. You can do a Cash Advance up to 30% of your available credit limit and withdraw from thousands of BPI ATMs. You can also convert your credit limit to cash and pay in installment up to 36 months.

Application Requirements

To apply for a BPI Blue Mastercard and other BPI credit cards, you will need these requirements:

• proof of ID, front and back portion of one valid ID with picture (driver’s license, passport, voter’s ID, SSS/GSIS ID, BIR/TIN ID, PRC ID, postal ID, company ID issued by private entities or institutions registered by BSP, SEC, or IC)
• proof of income or a copy of your credit card statement from another bank (at least PHP180,000 annual income)

Step-by-Step Application Guide

Although you may apply for a BPI Blue Mastercard at the bank itself upon your visit, there is nothing more convenient than doing it online, and here’s the step-by-step guide:

• Check if you’re qualified based on your age, i.e., at least 21 years old, minimum annual income, and other requirements.
• Prepare your application requirements, i.e., photos of your ID and scanned income documents.
• Visit the official website of BPI > Credit Cards and click on Apply Now.
• Select BPI Blue Mastercard among the card options.
• Fill out the online BPI Credit Card Application Form.
• Upload the photos or scanned copies of your valid ID and income document.
• Click Submit and review your application summary.
• Check your email for the confirmation of your successful online application.
• Wait for an SMS notification about your application normally within one to two weeks. You may also call BPI hotline for a follow-up after two weeks if no SMS is received.

Annual Membership and Other Fees

Just like any other credit cards, BPI Blue Mastercard also comes with competitive finance charges, annual membership, and other fees:

• Annual Membership Fee. You need to pay the annual membership fee of PHP1,550 (waived for the first year) for the principal card, free for life for your first supplementary card, and PHP775 for the second to sixth supplementary cards.
• Finance Charges. The regular finance charge or nominal interest rate is at 3% (with effective interest per month of 2.73%). Cash advance finance charge is at 3% (and effective monthly interest rate of 3.16%).
• Cash Advance Fee. A flat fee of PHP200 is charged per cash advance transaction.
• Late Payment Fee. A penalty of PHP850 or equivalent to the value of the unpaid minimum amount due, whichever is lower, will be charged per late payment.
• Special Installment Plan (SIP) Loan Service Fee. A service fee amounting to PHP300 will be charged per SIP Loan availment.
• Visit BPI official website for the complete table of rates and fees.

BPI Blue Mastercard Complete Review

While this is not a sponsored post, just like most of the review articles on this blog, and I don’t earn any commission, you can always take this as an honest and fair review of BPI Blue Mastercard.

[1] It comes with an easy online application process and minimal requirements. Online application takes just a few minutes, same with uploading of documents. It has also one of the lowest minimum annual income requirements.

Depending on situations, BPI may or may not bother you with multiple verification calls, but with a reference card and complete application requirements, all you have to do is just wait for an SMS notification of approval.

[2] It is issued and backed by one of the largest banks . BPI, as the card issuer, has proven a track record of sustainability and stability, although historically, major system glitches were experienced by some bank depositors in the past, something that BPI immediately and seriously addressed.

If BPI Blue Mastercard is your first credit card, then it’s worth maintaining in good credit standing for months or years as it is a good reference card for your future card applications with other banks and card issuers, especially if you’re looking for NAFFL cards.

[3] BPI has hundreds of partner merchants and shops that offer discounts and promos. Just subscribe to their email newsletter and SMS notifications for exciting discounts and promos from shopping to dining and booking international flights.

BPI even offers discount coupons and codes during mega sale campaigns of major e-commerce platforms such as Lazada, Zalora, and Shopee.

[4] BPI credit cards, including BPI Blue Mastercard, come with an eCredit Card. It is a free companion card to your BPI Card, free of annual fees and designed for a secure online use and shopping.

It comes with a lower and adjustable credit limit shared with the principal card and with a different card number for such security.

[5] The annual membership fee is waived for the first year. Last year, BPI ran a promo for waiving the annual membership fees for life with a minimum spend of PHP60,000 within the first 180 days.

While this may not be available for now, still the waived annual membership fee for the first year is a good deal and seemingly lower compared to other entry level credit cards.

You may have enough time or a year to experience the benefits and perks of BPI Blue Mastercard and decide whether to maintain it for the longer term despite the annual fees to pay.

[6] It has a decent rewards program and an impressive complimentary travel insurance. Its one (1) non-expiring reward point for every PHP35 spend on anything sounds good as well although there are other rewards credit cards that offer lower spend for every point.

But its international and domestic travel insurance of up to PHP2M without any additional fees when booking using the credit card is such an amazing deal. Complete terms and conditions can be read on their website.

[7] Initial credit limit varies, but BPI tends to be more generous than other banks when it comes to annual increases. For credit card first timers, expect that your starting credit limit with BPI Blue Mastercard is way lower compared to what other banks may offer. It’s normally just within your salary range.

With responsible use of the card and on-time payments, you will just be surprised that BPI increases your limit by double or triple your initial limit in a matter of months or most likely after a year.

[8] It comes with more flexible installment options. Yes, there are multiple options such as Real 0% Special Installment Plan with terms stretched up to 24 months and the Buy Now Pay Later which comes with the first payment up to 90 days later (subject to availability at merchant’s site).

You may even check the BPI website for the latest promos and installment plans available across various partner merchants and shops.

[9] BPI mobile app enrollment of your card may sometimes be troublesome. Your delivered card just comes with the usual details, but the app enrollment requires a ‘customer number’ which is nowhere to find and which you still need to ask the bank via a phone call or branch visit.

You may also just wait for your first statement of account (SOA) for this. Sometimes even with the customer number, the app still prevents you from enrolling your card due to your mobile number not pre-encoded in the system.

How to Choose the Right Credit Card [Beginner’s Guide]. This article provides a seven-step guide in choosing the right credit card and discusses the factors to consider such as easy application and approval, annual membership fee waivers, and generous initial credit limits.

19 Tips for First-Time Credit Card Users [in the Philippines]. This article lists helpful tips on how to get started with a credit card — a financial tool that can build a credit score or ruin it.

Credit Card Rewards: What Are They and How Can You Maximize Them? This article identifies and explores the most common, and even the less common credit card rewards, such as points, miles, and cashbacks, and provides helpful tips on how to maximize and redeem them.

EastWest Credit Card Review: Satisfied and Disappointed. This short article provides an honest and fair credit card initial review — satisfactions and disappointments in getting an EastWest Bank Silver Privilege Mastercard.

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How do I earn BPI Points using my BPI Gold Rewards Card?

Every Php 35 spend earns one (1) BPI Point which you can accumulate and exchange for exciting reward items.

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BPI Blue MasterCard in 2023: activation, fees, credit limit, requirements

The business world is rapidly changing, and almost every sector of the economy is doing all it can to ensure that it meets the ever-changing demands. The Bank of the Philippines Islands ( BPI ) has made BPI Blue MasterCard, which has significantly changed financial transactions within and outside the Philippines.

Whenever you use the card, you earn points. The points can then be redeemed for some fantastic items or services. Additionally, some promotions give you bonuses just for using the card and judging from the BPI Blue MasterCard reviews online; this is no doubt a must-have card.

What is BPI Blue MasterCard?

It is your start-up international credit card, accepted by various establishments worldwide. With the card, you are entitled to P2 million free travel insurance. It also allows you to withdraw money up to 30% of your credit limit in over 1 million ATMs worldwide.

Why is it regarded as a sensible card? It is a sensible card because the holders earn reward points and receive gifts whenever they use it. The card is perfect for your everyday spending and has more perks and privileges.

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BPI Blue MasterCard requirements

The following are the requirements if you wish to be its holder:

• You must have a Tax Identification Number (TIN) and SSS/GSIS number.
• You must have a postpaid account.
• Have a minimum monthly income of P15,000.
• The minimum age for principal holders must be 21 years and above, while that of the supplementary holders must be 13 years and above.

How much salary is required for BPI Blue MasterCard? As a holder, it means that you are a member of the credit card company. Therefore, an annual membership fee is charged, and the charges are as follows

• BPI Blue MasterCard annual fee - P1,550
• First supplementary annual fee - Free for life
• 2nd to 6th supplementary annual fee - P775
• Finance charge - 2% per month
• Annual minimum income requirement - P180,000
• Cash advance - 30% of the credit limit
• Foreign currency conversion - 0.85% of the converted amount plus a 1% MasterCard assessment fee.

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Enrolling the BPI credit card

Here is how to enrol BPI credit card:

• Visit the BPI Online website.
• Click "Register Now".
• Select your preferred product type (credit card).
• Enter your customer number.
• Select your date of birth.
• Create your username and password.
• Enter your email address.
• Go through the "Terms and Conditions" and click "Submit" .
• Enter your One-Time-PIN and click "Submit".

How to activate a BPI credit card

Like any other credit card, BPI credit cards must be activated before you can start using them. There are two ways to go about the activation process . However, first, check whether it is activated or not. Here is how to know if BPI credit card is activated:

• Enrol in the BPI Express Online.
• Log in to your account and check the credit card details (credit limit and customer numbers).
• If the card details are included in your profile, it means that it is already pre-activated.

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Activation via the customer care

The following steps are to be followed if you want to activate BPI credit card. They are as follows:

• Call the 24-hour customer service hotline. Metro Manila: (02) 89-100, Domestic toll-free: 1-800-188-89100, Mobile phone and international: (632) 89-100
• Press 2 for credit cards.
• Press 2 for credit card activation.
• As you do so, have it ready with you because you will be asked for details on your card for activation.

BPI credit card activation via SMS

You should as well know how to activate BPI credit card via SMS. The steps involved are equally simple.

• Text BPIACT<space>last 10 digits of your BPI Credit Card to 225689.

Using BPI Blue MasterCard

How does BPI Blue MasterCard work? There are various ways you can use this particular MasterCard. For example, if you want to pay your travel fare through contactless technology, the following steps apply:

• Look for the contactless indicator in the Point-Of-Sale (POS) terminal.
• Tap the card on the POS terminal.
• Once the transaction is approved, you can choose to print the receipt.

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How to use BPI Blue MasterCard points

Your BPI Points earned accumulate over time, and you have the freedom to accumulate even more points in exchange for exciting rewards items or vouchers.

To use the points, simply download the Vybe app and redeem your points for a diverse selection of electronic gift certificates (eGCs) that cater to your travel, shopping, dining, or leisure desires.

How to increase your credit limit in BPI Blue MasterCard

BPI Blue MasterCard credit limit varies. There are many factors considered before arriving at the credit limit. Some of these factors include credit history, income, and debt-to-income ratio.

You may request to increase it after a year by calling the customer service hotline, which is 89-100. You may be asked to submit income documents such as ITR or payslips to process your request. Therefore, ensure that you have them.

What are the benefits of having BPI Blue MasterCard?

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Holders enjoy myriad benefits. Some of them include:

• An annual membership fee for the first year is waived.
• A holder is eligible to earn Real Thrill Reward Points with their groceries, shopping, and dining spending. (1 point = P35)
• They can book their travel with the card and receive free travel insurance coverage of up to P2 million.
• Holders can borrow up to 30% of their credit limit by using the cash advance feature.

What can you redeem with your Real Thrills Rewards points?

You can redeem different items from the reward catalogue anytime if you have the required number of Real Thrill Rewards points. You can redeem the reward points to cater for the following expenses.

• Leisure and relaxation
• Membership fees

You can find out the number of Real Thrills Rewards Points required under each category.

What is the BPI Blue MasterCard interest rate?

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The holders are charged interests as follows:

• Finance charges: 3.50% per month
• Cash advance charge: 3% of the cash advance amount or P500.00, whichever is higher.
• Cash advance interest charge: It varies and is calculated as follows. {(total interest + cash advance fee)÷(Average outstanding principal balance)}.

BPI Blue MasterCard credit limit review

Different people have found it easy and convenient to use the card . For example, one user said this:

I have BPI blue card and increased twice this month. My limit currently is now 100k from 15k though I rarely use it na, like for the past 6 months, di ko siya halos nagagamit and wondering bakit ako in-increase knowing the fact na di ko na ginagamit card nila because I actually switched to diff. bank for CC dahil sobrang baba ng limit ko noon sa kanila.

Is BPI Blue MasterCard free?

The 1st year annual membership fee is free. Onwards the yearly membership price for the MasterCard is P 1,550.

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Can you apply for a BPI credit card gold?

Yes, with the gold card , you may get year-round discounts, freebies, and payment plans from your favourite stores, as well as earn BPI Points on every transaction.

Are you eligible for a BPI Blue credit card?

To apply, the primary cardholder must have a monthly salary of at least P15,000 and be at least 21 years old. The supplemental cardholder must be at least 13 years of age.

This is all about the BPI Blue MasterCard that you need to know. It comes with a lot of benefits for its holders.

DISCLAIMER: This article is not sponsored by any third party. It is intended for general informational purposes only and does not address individual circumstances. It is not a substitute for professional advice or help and should not be relied on to make decisions of any kind. Any action you take upon the information presented in this article is strictly at your own risk and responsibility!

BPI credit card application 2023: process, requirements, status

Kami.com.ph also published an article on Western Union Philippines . People send money for numerous reasons, such as to support family and friends, offer help to organizations, or make bookings.

Considering that money is necessary and required in facilitating innumerable things, a suitable platform for sending and receiving is paramount. For those residing in the Philippines who want to conduct any international money transfer, the Western Union can take care of this.

Source: KAMI.com.gh

Vivian Melsa (SEO writer)

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BPI Credit Cards

BPI Credit Card offers a wide range of cards that suits every individual’s unique needs. Provides hassle-free way to shop and spend across islands and continents. Get the most exclusive credit card perks and privileges when you shop anywhere. Enjoy shopping and dining rebates, free lounge access, discounts on cinemas, travel insurance and so much more using your BPI credit card. View more credit cards and choose which card fits you.

BPI Amore Visa

• The best installment deals ready for you, purchase items at our partner merchants at 0% interest and choose terms as long as 36 months.
• Earn 1%, 3%, 4% rebates for every PHP1,000.00 spend at BPI affiliated establishments at Ayala Malls. Take advantage of a maximum of Php15,000 rebates per calendar year . Earned rebates are credited to your BPI Amore Visa account.
• Convert your Real Thrills Rewards points into GetGo points which you can use to book free flights and buy add-ons with Cebu Pacific and Cebgo. Convert your Real Thrills to KrisFlyer miles and fly over 1,000 destinations in over 170 countries.
• Enjoy mall perks and privileges thru BPI Amore Visa. Spend on your favorite shops,restaurants and establishments at the same time you earn shopping rebates. Apply for your shopping buddy now!
• Consolidate your credit card balances for as low as 0.99% and pay on easy monthly installments of up to 36 months. Get as much as your available credit limit. Fast and easy application in over 800 branches nationwide by simply visiting any BPI or BPI Family Savings Bank branch nearest you, just bring your other banks current billing statement.
• Income Requirement: PHP180,000.00 Gross Annual Income
• Monthly Effective Interest Rate 3.50 %

BPI Amore Visa Platinum

• The best installment deals ready for you, purchase items at our partner merchants at 0% interest and choose terms as long as 36 months
• Earn 1%, 4%, 3% rebates for every PHP1,000.00 spend at BPI affiliated establishments at Ayala Malls. Take advantage of a maximum of PHP25,000.00 rebates per calendar year. Earned rebates are credited to your BPI Amore visa account.
• Enjoy Mall perks and privileges thru BPI Amore Visa Platinum. Spend on your favorite shops, restaurants and establishments at the same time you earn shopping rebates. Apply for your shopping buddy now!
• Consolidate your credit card balances for as low as 0.99% and pay on easy monthly installments of up to 36 months. Get as much as your available credit limit. Fast and easy application in over 800 branches nationwide by simply visiting any BPI or BPI Family Savings Bank branch nearest you just bring your other banks current billing statement
• Income Requirement: PHP1,000,000.00 Gross Annual Income

BPI Blue Mastercard

• FREE Travel Insurance of up to PHP2M
• Convert your purchases from partner merchants to 0% installment plan
• Convert rewards points to big point Air Asia and Mabuhay Miles
• Earn rewards point 1 = PHP35.00
• Rewards points can be converted into airmile
• Transferred balance can be paid for 6-36 months

BPI Edge Mastercard

• Convert your real thrills rewards points into GetGo points which you can use to book free flights and buy add-ons with Cebu Pacific and Cebgo. Convert to KrisFlyer miles and fly over 1,000 destinations in over 170 countries
• Earn 1 rewards point for every PHP50.00 you spend. Accumulate points while you spend time together with your loved ones, whether you dine or shop it is a great opportunity to earn while you spend

BPI Family Credit Card

• Convert rewards points to big point at Air Asia & Mabuhay Miles
• Monthly Effective Interest Rate 2.00 %

BPI Gold Mastercard

• FREE Travel Insurance of up to PHP10M
• Earn 1 rewards point for every spend of PHP35.00
• Income Requirement: PHP480,000.00 Gross Annual Income

BPI SkyMiles Mastercard

• Earn Sky Mile Real points for every spend of PHP45.00 = 1 point
• Transferred balance can be paid for 3-36 months

BPI SkyMiles Platinum Mastercard

• FREE Travel Insurance of up to PHP20M
• Earn Sky Mile Real points for every PHP45.00 spend = 1 point
• Free access at Pacific Club at NAIA Terminal 3

BPI eCredit

Petron - BPI Mastercard

• FREE PHP200.00 Fuel Voucher Welcome Gift for newly approved Principal Cardholders.
• 3% fuel rebate on fuel purchases at Petron nationwide

How much is the minimum monthly payment?

The minimum payment is 5% of all purchases including the special installment plans for the month. The minimum payment should be paid in full, and this also includes amounts past due and excess of the total credit limit.

How will I receive my approved credit card from BPI?

Your approved credit card will be delivered to your registered address within 7 days from the date of approval.

Features of BPI credit card

• Earn real thrills points every time you use your bpi credit card and redeem exciting rewards at partner merchants.
• No finance charge on new purchases even if you make partial payment on your outstanding balance from previous month.
• Make cash advances anytime, anywhere at over 1,500 bpi atm’s nationwide and 1.2 million cirrus-affiliated atm’s worldwide.
• Pay your high-ticket items in flexible payment terms at low, fixed add-on rates to help you manage your budget.
• Convert your credit limit into a cash loan and pay in easy monthly installment terms.

Eligibility requirements in applying for a BPI Credit Card

• Applicants must be at least 21 years old. Supplementary card applicants must be at least 13 years old
• Applicants must have a business or residence landline number and a mobile number

BPI credit card requirements

The applicant must submit all required documents to proceed with their application:

Proof of Identification: (Prepare a photocopy or scanned copy of at least two (2) valid IDs such as Passport, Driver’s License, Postal ID, Government Service Insurance System (GSIS) e-Card, Government Service Insurance System (GSIS) e-Card, Social Security System (SSS) Card, OFW ID, or Company ID issued by private organization registered either by BSP, SEC or IC

For Employed:

• Certificate of Employment or Contract of Employment (for Overseas Filipino Workers)
• Two (2) latest payslips
• Latest Income Tax Return (ITR) or;
• Latest Credit Card Statement (if applicable)

For Self-Employed:

• Latest Audited Financial Statements (AFS) and

BPI credit card promos

• Use your BPI credit card for a minimum single receipt purchase of PHP2,000.00 and get up to 6 months of Netflix, on us. Promo period until October 31, 2019.
• Get up to 35% OFF in Cucina's lunch and dinner buffet when you use your BPI credit card to pay. Promo period until October 15, 2019.
• For a minimum spend of PHP2,000.00 using your BPI credit card at Mango Tree Bistro get a FREE Red Ruby Chestnut with Macapuno Ice Cream or Bua Loi. Promo period until December 31, 2019.
• Using your BPI credit card enjoy 20% OFF on selected services at Nisce Skin Medispa. Promo period until December 31, 2019.
• For a minimum spend of PHP1,000.00 using your BPI credit card get any 2 small plates (P100) at participating Peri-Peri Charcoal Chicken and Sauce Bar branches. Promo period until October 5, 2019.
• Get up to 60% OFF on Trampoline Park with your BPI credit card. Promo period until December 31, 2019.

View all BPI Credit Card Promos

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Welcome Spree Promo

Get up to Php 15,000 eGCs and avail of waived annual membership fees when you apply for a BPI Credit Card and meet the spend requirement.

Apply for a BPI Platinum Rewards Mastercard

Elevate to a platinum rewards experience like no other.

Apply for a BPI Amore Cashback

Earn rebates and enjoy exclusive perks with BPI Amore Cashback.

How can I find out the status of my credit card application?

<p><strong>Via Online Banking.</strong> For registered Online Banking users, Log in to your account and click Other Services &gt; Application Status Inquiry &gt; Credit Card. <br></p><p>Not yet enrolled? <a data-cke-saved-href="https://online.bpi.com.ph/portalserver/onlinebanking/sign-in" href="https://online.bpi.com.ph/portalserver/onlinebanking/sign-in" rel=“noopener noreferrer” target="_blank">Enroll now!</a></p><p></p><p><strong>Via Phone Banking.</strong> Call our 24-hour hotline, Phone Banking. Click <a data-cke-saved-href="https://www.bpi.com.ph/contactus" href="https://www.bpi.com.ph/contactus" rel=“noopener noreferrer” target="_blank">here</a> for more details.</p><p></p><p>Dial option 2 for Credit Cards and 2 for Credit Card Application Status Inquiry. Enter your 10-digit application ID number to know your application status via phone.</p>

How can I check my credit card account balance?

<p>You may check your balance in 2 ways: <br></p><p><strong>Via Online Banking.</strong> For registered Online Banking users, Log in to your account, click here. <br></p><p>Not yet enrolled? <a data-cke-saved-href="https://online.bpi.com.ph/portalserver/onlinebanking/sign-in" href="https://online.bpi.com.ph/portalserver/onlinebanking/sign-in" rel=“noopener noreferrer” target="_blank">Enroll now!</a> <br></p><p><strong></strong><strong>Via Phone Banking.</strong> Call our 24-hour hotline, Phone Banking. Click <a data-cke-saved-href="https://www.bpi.com.ph/contactus" href="https://www.bpi.com.ph/contactus" rel=“noopener noreferrer” target="_blank">here</a> for more details. <br></p><p>Dial option 2 for Credit Cards and option 1 for Balance Inquiry. Enter your 16-digit card number to know your balance via phone.</p>

How can I learn about fees?

You can learn about fees by browsing our FAQs, click <a href="https://www.bpicards.com/Page/8" rel=“noopener noreferrer” target="_blank">here</a>.

How do I compute for Interest Charges?

<p>Interest charges on regular purchases is computed by multiplying the applicable finance charge rate depending on the card type with the average daily balance (ADB).</p><p>The ADB is determined as follows:</p><p>&nbsp; &nbsp; &nbsp;a. Multiply the previous statement balance with the number of days that the amount is outstanding or unchanged.</p><p>&nbsp; &nbsp; &nbsp;b. Whenever there is payment, deduct the payment from the statement balance and multiply with the number of days from the payment date until the next statement date or statement date.</p><p>&nbsp; &nbsp; &nbsp;c. Sum up the balances computed and divided with the number of days from the previous to the current statement to arrive at the ADB.</p><p>*Excluding BPI Family Credit Card</p><p>Interest charges on Special Installment is computed by multiplying the total amount availed by the applicable interest rate, depending on the term. Monthly payment shall first be applied to interest then to the principal using the diminishing balance method.</p>

How can I avail of Cash Advance?

<p>For new and replacement cards, Cash Advance PIN will be sent through the PIN Mailer after the card is delivered.</p> <p>For existing Cardholders, they can request by calling BPI Phone Banking at (02) 889-10000 (Metro Manila) or domestic toll free 1-800-188-89100 (available to PLDT subscribers).</p> <p>Note that Cash Advance is subject to a fee of 3% of the cash advance amount or P500, whichever is higher.</p>

What are the available payment channels to pay for my BPI credit card?

<p>1. Payments can be made at any BPI or BPI Family Savings Bank Branch. For check payments, please make checks payable to BPI, followed by your Customer Number found in your statement of account.</p><p>Example: Pay to the order of BPI, 020100-xxxxxxxxxx</p><p>2. If you are a BPI or BPI Family Savings Bank depositor, simply enroll at your branch of account to pay through any of the following channels:</p><p>&nbsp; &nbsp; &nbsp;a. BPI or BPI Family Savings Bank ATMs</p><p>&nbsp; &nbsp; &nbsp;b. BPI Phone Banking 889-10000</p><p>&nbsp; &nbsp; &nbsp;c. BPI Online Banking at <a data-cke-saved-href="https://www.bpi.com.ph/" href="https://www.bpi.com.ph/" rel=“noopener noreferrer” target="_blank">www.bpiexpressonline.com</a></p><p>&nbsp; &nbsp; &nbsp;d. BPI Mobile Banking</p><p>&nbsp; &nbsp; &nbsp;e. Auto-Debit Arrangement</p><p>3. Cash payments for your BPI Credit Card are also accepted at the following payment channels nationwide:</p><p>&nbsp; &nbsp; &nbsp; a. SM Bills Payment Counters (SM Department Stores, SM Supermarkets, SM Hypermarkets, and Savemore)</p><p>&nbsp; &nbsp; &nbsp; b. ECPay Merchant Partners (7-Eleven, Metro Gaisano, Shopwise, NCCC and LCC Malls, select Tambunting Pawnshops, and more)</p><p>&nbsp; &nbsp; &nbsp; c. Bayad Center Stores and Bayad Center Merchant Partners</p><p>During payment, indicate your customer number or 16-digit card number in the payment slip.</p>

If I made a payment today, when will it be posted?

<p><strong>Via Branch Over-the-counter.</strong> For cash payments, payment posting is on the next banking day.</p><p>For local check payments, payment posting will be after the third banking provided check payment was done before clearing cut-off.</p><p>*Note that clearing date may vary depending on the type of check, whether local or regional.</p><p><strong>Via Phone Banking/Online Banking.</strong> For payments done during banking days before 10:00 PM, these will be considered as same day transactions and will be posted on the next banking day.</p><p>For transactions done between 10:00 PM and 12:00 AM, on weekends, and holidays, these will be considered as next banking day transactions.</p><p>For payments made on the following channels, posting date will be after (3) banking days:</p><p>&nbsp; &nbsp; &nbsp;a. SM Bills Payment Counters</p><p>&nbsp; &nbsp; &nbsp;b. ECPay Merchant Partners</p><p>&nbsp; &nbsp; &nbsp;c. Bayad Center Stores and Bayad Center Merchant Partners</p>

Can I pay my statement balance on or before my cut off/cycle period?

No. To avoid possible finance charges or penalties, clients are highly encouraged to pay on or before the their due dates.

How do I redeem my Real Thrills rewards points?

<b>Via Phone Banking.</b> Call our 24-hour hotline, Phone Banking. Dial option 2 for Credit Cards. <p><b>Via Fax.</b> Send the form to 845-5738 (Routing Code: 20387)</p>

What items can I redeem?

For the list of items you can redeem, click <a href="https://www.bpicards.com/RealThrills/Rewards" rel=“noopener noreferrer” target="_blank">here.</a>

How do I request for a credit limit increase?

<p>You can request for a credit limit increase in 2 ways:</p> <p><b>Via Online Banking.</b> For registered Online Banking users, Log in to your account, click Other Services > Credit Card Services > Increase in Credit Limit. Click <a href="https://www.bpi.com.ph/" rel=“noopener noreferrer” target="_blank">here</a> to log in to your account.<br /> Not yet enrolled? <a href="https://online.bpi.com.ph/portalserver/onlinebanking/sign-in" rel=“noopener noreferrer” target="_blank">Enroll now!</a></p> <p><b>Via Phone Banking.</b> Call our 24-hour hotline, Phone Banking. Click <a href="https://www.bpi.com.ph/contactus" rel=“noopener noreferrer” target="_blank">here</a> for more details . Dial option 2 for Credit Cards.</p>

Should I surrender my card in exchange of a new card/ card conversion or cancellation?

<p>BPI will never ask/require you to surrender your card. Should you receive such calls or letters, always call 889-10000 or e-mail us at <a href="mailto:expressonline@bpi.com.ph ">expressonline@bpi.com.ph </a> immediately for verification.</p>

When using my BPI Credit Card abroad (Taiwan, Japan, Canada) and they use Chip readers, will I need to know a PIN? Or does BPI Credit Cards only support Chip and Sign?

<p>Currently, BPI Credit Cards only support Chip and Sign.</p> <p>When transacting in a country that has a high issuance of chip and pin cards (eg. Europe, Australia, Singapore, Japan, Korea, and other Asian countries) your BPI card will still be accepted as the POS terminal will be able to identify that the card you presented (Philippines issued card, not a PIN enabled country) would need a signature instead of a pin.</p>

What is Mastercard contactless?

Mastercard contactless use radio-frequency for making secure payments. This technology enables transactions to be made by holding the card against a radio-frequency (RF) equipped reader terminal. You can tell if a card is Contactless enabled if you see the logo below.

How does a Mastercard contactless card work?

Simply tap the contactless card against an applicable Mastercard contactless Point-of-Sale (POS) terminal. The purchase will then be authorized, processed, and billed in the same secure way as other transactions. No swiping, inserting, or signature is required for transactions not exceeding two thousand Philippine pesos (Php2,000). For transactions exceeding two thousand Philippine pesos (Php2,000), just tap the card and sign the charge slip.

What are the benefits of Mastercard contactless transactions?

<ul> <li><b>Fast</b> – Mastercard contactless transactions eliminate the signature requirement for small purchases, thereby speeding cashier check-out.</li> <li><b>Safe</b> – You don’t have to surrender your card for tap transactions.</li> <li><b>Wide-range of merchants</b> – You can use your Mastercard contactless card in merchants where tap transactions are accepted such as cinemas, fast food chains, and even convenience stores.</li> </ul>

Are Mastercard contactless Credit Cards safe to use?

Yes. Your BPI Mastercard contactless card can now stay with you when paying, hence, limiting fraud and unauthorized use.

Which credit cards are embedded with the Mastercard contactless technology?

Currently, only the BPI Blue Mastercard, BPI Family Credit Card, and BPI SkyMiles Regular Mastercard Credit Card are embedded with the Mastercard contactless technology.

How can you avail of the new BPI Mastercard contactless?

All new, replacement and renewal cards will automatically be the new BPI Mastercard contactless Credit Card.

What if I want my card to be contactless? How do I request for it?

You may request for a card replacement, but will be subject to card replacement fee of P400.

Where can you tap your contactless credit cards?

<p>BPI Mastercard contactless credit cards are accepted across selected branches of different merchant categories.</p><p>Just look for the Mastercard contactless logo and inform the cashier that you would like to pay using your BPI Mastercard contactless, tap the card, and transaction is done.</p>

<table style="margin: auto; max-width: 600px; width: 100%;" border="1" cellspacing="0" cellpadding="10"><tbody><tr><td style="background-color: #951415; color: white;" rowspan="5"><p><strong>Restaurants</strong></p></td><td><p style="text-align: center;">Army Navy</p></td><td><p style="text-align: center;">Dimsum Break</p></td><td><p style="text-align: center;">McDonalds</p></td></tr><tr><td><p style="text-align: center;">Bad Bird</p></td><td><p style="text-align: center;">El Pollo Loco</p></td><td><p style="text-align: center;">Mexicali</p></td></tr><tr><td><p style="text-align: center;">Bag of Beans</p></td><td><p style="text-align: center;">Green Tomato</p></td><td><p style="text-align: center;">Pepper Lunch</p></td></tr><tr><td><p style="text-align: center;">Bon Chon</p></td><td><p style="text-align: center;">Kenny Rogers</p></td><td><p style="text-align: center;">Project Pie</p></td></tr><tr><td><p style="text-align: center;">Brothers Burger</p></td><td><p style="text-align: center;">Lola's Kitchen</p></td><td><p style="text-align: center;">Red Ribbon</p></td></tr><tr><td style="background-color: #951415; color: white;"><p><strong>Drugstore</strong></p></td><td colspan="3"><p style="text-align: center;">Mercury Drug</p></td></tr><tr><td style="background-color: #951415; color: white;"><p><strong>Health Food Store</strong></p></td><td colspan="3"><p style="text-align: center;"><br/>Healthy Options<br/>Living Well<br/><br/></p></td></tr><tr><td style="background-color: #951415; color: white;"><p><strong>Grocery</strong></p></td><td colspan="3"><p style="text-align: center;"><br/>Marketplace by Rustan's<br/>Robinson's Supermarket<br/><br/></p></td></tr><tr><td style="background-color: #951415; color: white;"><p><strong>Specialty Stores</strong></p></td><td colspan="3"><p style="text-align: center;"><br/>Daiso Japan<br/>Gourdo's<br/>Japan Home<br/><br/></p></td></tr><tr><td style="background-color: #951415; color: white;"><p><strong>Cinema</strong></p></td><td colspan="3"><p style="text-align: center;"><br/>Century City Cinemas<br/>Eastwood Cinema<br/>Megaworld Cinemas<br/>Resorts World Manila Newport Cinema<br/><br/></p></td></tr><tr><td style="background-color: #951415; color: white;" rowspan="5"><p><strong>Coffee and Drink Shops</strong></p></td><td><p style="text-align: center;">Cinnabon</p></td><td colspan="2"><p style="text-align: center;">Le Coeur</p></td></tr><tr><td><p style="text-align: center;">Jamba Juice</p></td><td colspan="2"><p style="text-align: center;">Starbucks</p></td></tr><tr><td><p style="text-align: center;">J.Co Donuts</p></td><td colspan="2"><p style="text-align: center;">Seattle's Best Coffee</p></td></tr><tr><td rowspan="2"><p style="text-align: center;">Krispy Kreme</p></td><td colspan="2"><p style="text-align: center;">The Coffee Bean and Tea</p></td></tr><tr><td colspan="2"><p style="text-align: center;">Leaf</p></td></tr><tr><td style="background-color: #951415; color: white;"><p><strong>Telecommunications</strong></p></td><td colspan="3"><p style="text-align: center;">Smart Communications</p></td></tr></tbody></table>

How do I report a lost card and request for a replacement card?

Immediately contact BPI Phone Banking at (02) 889-10000 (Metro Manila) or domestic toll-free 1-800-188-89100 (Outside Metro Manila) to report a lost card and request for a replacement card

How can I convert my credit limit to cash?

<p> <span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">Please </span><a title="https://www.bpi.com.ph/contactus" data-cke-saved-href="https://www.bpi.com.ph/contactus" href="https://www.bpi.com.ph/contactus" target=" ">send us a message</a><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none"> or call our 24-hour BPI Contact Center at (+632) 889-10000.</span> <br></p>

How can I get proof of the travel insurance coverage?

<p style="direction:ltr; line-height:115%; margin-bottom:0pt; margin-left:0in; margin-right:0in; margin-top:0pt; text-align:left; text-indent:0in; unicode-bidi:embed"><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">You can </span><a title="https://www.bpi.com.ph/contactus" data-cke-saved-href="https://www.bpi.com.ph/contactus" href="https://www.bpi.com.ph/contactus" target=" ">send us a message</a><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none"> or call our 24-hour BPI Contact Center at (+632) 889-10000.or call our 24-hour BPI Contact Center at (+632) 889-10000. Ready the following details:<br>• Itinerary Receipt<br>• BPI Credit card type<br>• Credit card number<br>• Transaction date and amount</span><br></p>

What are the available payment channels to pay for my BPI Credit Card?

<p style="direction:ltr; line-height:115%; margin-bottom:0pt; margin-left:0in; margin-right:0in; margin-top:0pt; text-align:left; text-indent:0in; unicode-bidi:embed"><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">1. Payments can be made at any BPI or BPI Family Savings Bank Branch. For check payments, please make checks payable to BPI, followed by your Customer Number found in your statement of account.<br>Example: Pay to the order of BPI, 020100-xxxxxxxxxx</span></p><p style="direction:ltr; line-height:115%; margin-bottom:0pt; margin-left:0in; margin-right:0in; margin-top:12.0pt; text-align:left; text-indent:0in; unicode-bidi:embed"><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">2. If you are a BPI or BPI Family Savings Bank depositor, simply enroll at your branch of account to pay through any of the following channels:<br>a. BPI or BPI Family Savings Bank ATMs<br>b. 24-hour BPI Contact Center<br>c. BPI Online Banking at </span><u><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none"><a data-cke-saved-href="http://www.bpi.com.ph" href="http://www.bpi.com.ph">www.bpi.com.ph</a></span></u><br><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">d. BPI Mobile Banking<br>e. Auto-Debit Arrangement</span></p><p style="direction:ltr; line-height:115%; margin-bottom:0pt; margin-left:0in; margin-right:0in; margin-top:12.0pt; text-align:left; text-indent:0in; unicode-bidi:embed"><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">3. Cash payments for your BPI Credit Card are also accepted at the following payment channels nationwide:<br>a. SM Bills Payment Counters (SM Department Stores, SM Supermarkets, SM Hypermarkets, and </span><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">Savemore</span><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">)<br>b. </span><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">ECPay</span><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none"> Merchant Partners (7-Eleven, Metro </span><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">Gaisano</span><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">, </span><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">Shopwise</span><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">, NCCC and LCC Malls, select </span><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">Tambunting</span><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none"> Pawnshops, and more)<br>c. </span><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">Bayad</span><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none"> Center Stores and </span><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">Bayad</span><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none"> Center Merchant Partners<br>d. </span><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">Cebuana</span><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none"> </span><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">Lhuillier</span></p><p style="direction:ltr; line-height:115%; margin-bottom:0pt; margin-left:0in; margin-right:0in; margin-top:12.0pt; text-align:left; text-indent:0in; unicode-bidi:embed"><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">During payment, indicate your customer number or 16-digit card number in the payment slip.</span></p>

What are the credit card fees and other charges?

<p style="direction:ltr; line-height:115%; margin-bottom:0pt; margin-left:0in; margin-right:0in; margin-top:0pt; text-align:left; text-indent:0in; unicode-bidi:embed"><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">Owning and maintaining a BPI Credit Card is easy and affordable. To learn more about fees, click </span><a title="https://www.bpicards.com/Page/8" target="_blank" data-cke-saved-href="https://www.bpicards.com/Page/8" href="https://www.bpicards.com/Page/8">here</a><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">.</span><br></p>

What can I redeem using my Real Thrills Rewards Points?

<p style="direction:ltr; line-height:115%; margin-bottom:0pt; margin-left:0in; margin-right:0in; margin-top:0pt; text-align:left; text-indent:0in; unicode-bidi:embed"><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">Choose from a wide range of rewards: from airline miles, shopping credits, dining vouchers, to gift certificates from various partners. We have exciting rewards that fit your everyday lifestyle. </span><a title="https://www.bpicards.com/RealThrills/" target="_blank" data-cke-saved-href="https://www.bpicards.com/RealThrills/" href="https://www.bpicards.com/RealThrills/">View our catalogue</a><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">.</span><br></p>

What currency should I use to enjoy the foreign exchange rate of 1.85%?

<p style="direction:ltr; line-height:115%; margin-bottom:0pt; margin-left:0in; margin-right:0in; margin-top:0pt; text-align:left; text-indent:0in; unicode-bidi:embed"><span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">Choose the foreign currency of the country you are in instead of Philippine pesos when you pay the merchant.</span></p>

Who can I contact for concerns about my BPI Credit Card application?

<p> <span style="color:black; font-family:arial; font-size:11.0pt; font-style:normal; font-variant:normal; font-weight:normal; text-transform:none">Immediately contact our 24-BPI Contact Center at (+632) 889-10000 to report a lost card and request for a replacement card.</span> <br></p>

For inquiries and comments, please send us a message or contact our 24-hour BPI Contact Center at (+632) 889-10000.

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Best International Travel Insurance for June 2024

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If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Best International Travel Insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured

Best for medical-only coverage: GeoBlue Travel Insurance

• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Compare the Best International Travel Insurance Companies

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most U.S. health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TravelSmart, Allianz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads Travel Insurance review here.

Best for trip interruption: C&F Travel Insured

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
• con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
• con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
• C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review here.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. A subsidary of Blue Cross Blue Shield
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers strong medical plans as long as you have a regular health insurance plan, but it doesn't have to be through Blue Cross
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers long-term and multi-trip travel protection
• con icon Two crossed lines that form an 'X'. Multiple complaints about claims not being paid or being denied
• con icon Two crossed lines that form an 'X'. Does not provide some of the more comprehensive coverage like CFAR insurance
• con icon Two crossed lines that form an 'X'. Buyers who do get claims paid may need to file multiple claim forms

GeoBlue Travel Insurance offers policies that covers emergency medical treatments when you're abroad. While GeoBlue lacks trip cancellation coverage, that allows it to charge lower premiums than the other companies on this list. 

GeoBlue plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It's worth noting that coverage for pre-existing conditions comes with additional costs. 

Read our GeoBlue Travel Insurance review here.

Best for family coverage: Travelex Travel Insurance

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
• con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
• con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
• con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
• con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

• Optional CFAR insurance available with the Travel Select plan
• Trip delay insurance starting at $500 with the Travel Basic plan
• Emergency medical and dental coverage starting at $15,000

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex Travel Insurance review here.

Best for long trips: Seven Corners

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners Travel Insurance review here.

How to Find the Right International Travel Insurance Company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

Your needs for travel insurance will depend on the type of trip you're taking. You'll need to consider your destination and what you'll be doing there, either business, leisure, or adventure traveling. Policies covering adventure sports and activities will cost more. Longer, more expensive trips will also cost more. 

Research the reputation of the company 

When researching a company, you'll want to closely review the description of services. You'll want to see how claims are handled, any exceptions, and limitations.

You'll also want to look at the company's customer reviews on sites like Trustpilot, BBB, and Squaremouth, as this will provide insight on the quality of customer service and the claims process. You should also take note of whether companies respond to customer reviews.

Compare prices

You can get quotes through a company's website or travel insurance aggregators like InsureMyTrip and VisitorsCoverage. You'll need to be prepared to provide the following information about your trip:

• Trip destination(s)
• Travel dates
• Number of travelers
• Traveler(s) age/birthday
• State of residence
• Total trip cost

For companies that offer travel medical insurance, you'll also want to play around with the deductible options, as they can affect your policy premium. 

Understanding International Travel Insurance Coverage Options

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the Best Price for International Travel Insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

Why You Should Trust Us: How We Reviewed International Travel Insurance Companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

Read more about how Business Insider rates insurance products here.

International Travel Insurance FAQs

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

You should pay attention to any limitations regarding covered cancellations, pre-existing conditions, and adventure activities. For example, if you're worried you may have to cancel a trip for work reasons, ensure that you've worked at your company long enough to qualify for cancellation coverage, as that is a condition with some insurers. You should also see if your destination has any travel advisories, as that can affect your policy. 

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

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