Travel insurance as an option for budget domestic flights

I recently booked a ticket online for a domestic flight from Bacolod to Manila via budget airline Cebu Pacific and was amused to be presented with many additional flight options. Aside from the no-baggage option which lets you save Php200 off the normal fare if you only have handcarry baggage, there’s also an option for choosing your preferred seat (window, aisle, etc.). There’s also the prepaid excess baggage discount option or a donation to an environmental project. All these at an added cost, of course. An important option though is a travel insurance which covers personal accident, emergency medical treatment, recovery of travel expenses and travel inconvenience benefits. Thus, when buying your Cebu Pacific tickets online, make sure you know what options you’re selecting as they all add up to the total cost.

The coverage for travel insurance is usually limited to the duration of the travel period. For domestic flights, this is not required and is only an option, but for international flights, having travel and medical insurance is one of the requirements in securing a visa. For frequent travelers, especially those on business and work-related trips, being insured is a must. Thus, there are employee-sponsored group medical insurance plans, usually deducted from the monthly payroll, which are relatively less expensive and typically covers more services at lower rates.

Incidentally, individuals interested in getting the cheapest medical insurance can get instant quotes at online insurance resource sites such as HealthCareInsurance.me where they offer informative articles on major medical insurance, group health insurance, short term insurance, student health insurance and other related topics. It is best to take advantage of online resources when comparing insurance companies before deciding which insurance plan to purchase. Buying insurance online is a way to save money since there are no insurance agents involved.

HealthCareInsurance.me has an interesting page on how to save on medical insurance and how to get low medical insurance costs where it lists factors that significantly determine the cost of coverage. For instance, being in good health condition, not overweight and not smoking, are good points for getting better insurance premiums at lower cost. The site also offers explanation on PPO (Preferred Provider Organization) flexible health care coverage as compared to HMOs (Health Maintenance Organizations) inexpensive medical care policies.