LEGAL ASPECTS IN TOURISM AND HOSPITALITY

[TASK PERFORMANCE: FINALS]

Submitted by.

Donn Rafael S. Tabotabo

Janver Laspuña

Fely Sherlyn Escoto Ordas

Andreia Padilla
 ACCIDENTS/INCIDENTS IN THE PHILIPPINES

http://www.rapler.com/nation/thieves-boracay-prev-on-tourist

https://news.abs-cbn.com/nation/regions/07/02/15/list-maritime-disasters-philippines

https://psa.gov.ph/pnha-press-release

IMPORTANCE OF TRAVEL INSURANCE

Based on the research I have gathered about accidents related to our industry which is Tourism, those
are events that we never expect to happen. Sometimes incidents are also cause of someone’s ignorance,
resulting into damage, fatal and affecting other people. That’s why having travel insurance is a must
since it is covering or protecting the tourist into unintentionally harm; The good thing about travel
insurance is making its customer assuring they are safe from any emergency medical cost or reimbursed
for our losses and expenses. According to the statistics we have about accidents here in the Philippines
(relating to tourism), every year our industry is experiencing unintended event that making
people/tourist to get travel insurance. As a tourism student, we suggest that DOT should implement that
everyone who is travelling should get insurance in order to protect them at any cost. Travel insurance
will not save fatalities but at least people who have it are prepared.

Travel insurance protects travelers from risks that can be financially devastating when we are outside
the Philippines. This is also why some states like Schengen countries in Europe require Filipinos to secure
travel insurance upon visa application. When an unfortunate event strikes, having travel insurance with
the right cover will help you get back on our feet. With a small fraction from your travel budget, travel
insurance gives travelers peace of mind. In this way, the only thing to worry about is how to enjoy the
trip!
 EXTENT OF INSURANCE COVERAGE FOR TRAVEL-RELATED INSURANCES IN PHILIPPINES

 Protection for your hard-earned savings against medical expenses abroad.

 Travel inconvenience benefits help you brush-off those travel hassles

 Medical Evacuation Cover protects your hard-earned savings in case of huge medical transportation
costs

 Personal accident benefits help you move forward from a tragic trip

 Protection for your travel expenses paid in advance

 Assistance hotline that works as your concierge to assist you in solving your travel challenges and
emergencies

Whether it's health insurance, homeowners insurance, or car insurance, we buy insurance to cover us if
and when life's unexpected events happen. Travel insurance is no different. Its job is to reimburse you
for the costs of unexpected troubles while you are traveling. It typically includes cancellations, trip
interruptions, and illness and injury.

Trip cancellation and trip interruption

Often sold as one package, trip cancellation and trip interruption are perhaps the two most important
benefits of travel insurance, because they cover losses that other types of insurance do not; most
people have health insurance, and many homeowners insurance policies cover lost luggage.

Health insurance benefits abroad

If you plan on traveling abroad, be sure to check your medical insurance policy, as many have
restrictions on traveling abroad or may not cover you at all. Policies that do cover medical expenses
abroad often require you to obtain certain paperwork from the foreign medical personnel. Just be sure
to read over your policy in its entirety and ask your insurance agent if you have any questions or
concerns before you go. If you find that your health insurance does not cover medical expenses abroad,
look into buying travel insurance that does cover such expenses. Additionally, travel insurance does
offer accidental death and dismemberment policies, but, like other medical emergencies, these costs are
covered under most regular health insurance policies.

Other travel insurance benefits

As mentioned, most people are covered by other types of insurance, such as medical insurance or
homeowners insurance, for any other unforeseen events. There are other types of policies that are
available, such as travel accident insurance or lost baggage insurance, but these policies usually do not
cover as much as your personal health insurance policy, your homeowners insurance, or your renters
insurance, and so are probably unnecessary. Just beware of exclusions in all of your insurance policies,
for example, pre-existing conditions that may flair up during your travels, or certain limitations on
baggage contents, as most insurance policies, whether travel or medical, have exclusions or restrictions.

REFERENCE

(n.d.). Travel Insurance Ph. Retrieved from https://travelinsurance.com.ph/

(n.d.). Philippines Accident Archives. Bureau of Aircraft Accidents Archive. Retrieved from

https://www.baaa-acro.com/search-results? Combine=Philippines

(n.d.). Number and Type of Accident. Maritime Industry Authority Statistical Report.
Retrieved from

https://marina.gov.ph/wp-content/uploads/2019/12/Statistical-Report-2018.pdf

https://www.statista.com/statistics/262867/fatal-civil-airliner-accidents-since-1945-bycountry-and-
region/

(n.d.). Fire Incidents and Bfp Performance. GOVPH. Retrieved from

https://cpbrd.congress.gov.ph/2012-06-

30-13-06-51/2012-06-30-13-36-50/1268-ff2020-39-fire-incidents-and-bfp-performance

(2016 June 20). Travel Insurance Benefits. FindLaw. Retrieved from

https://www.findlaw.com/consumer/travel-rules-and-rights/travel-insurance-benefits.html

(2017). Number of Tourist Fatalities. The Global Epidemiology of Tourist Fatalities. Retrieved from

https://scholarworks.bgsu.edu/cgi/viewcontent.cgi?

article=1053&context=hmsls_mastersprojects

http://www.rapler.com/nation/thieves-boracay-prev-on-tourist

https://news.abs-cbn.com/nation/regions/07/02/15/list-maritime-disasters-philippines

https://psa.gov.ph/pnha-press-release