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Policies purchased after [23rd Mar 2020] will not provide any cover for claims directly or indirectly arising from, relating to or in any way connected with COVID-19 (or any mutation or variation thereof or any related strain). We will not therefore cover claims relating to any inability to travel, any decision not to travel or any changes to travel plans, nor any medical or health related loss or expense incurred, as a result of COVID-19. Refer to the  FAQ  for more details.

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With millions of travellers served, Chubb Travel Insurance offers high-quality insurance. We have plan options for all types of travellers, from frequent flyers and families to holidaymakers on a budget and adventure seekers.

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Purchasing travel insurance from Chubb means access to a truly global network. In addition to our wealth of local expertise, Chubb's operation in the Philippines is backed by our extensive global travel network and breadth of resources to serve your every need.

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Experience has taught us the importance of being proactive when managing claims. Chubb understands that a fast, fair and efficient approach to claims handling will bring about an expedited outcome and can help to deliver an improved result.

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When you purchase Chubb Travel Insurance, you are instanly covered by Chubb Assistance, our 24-hour emergency hotline that provides the support that you expect in your time of need, anywhere, anytime.

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10 Best Travel Insurance Companies & Plans in the Philippines

Last Updated on – Jul 13, 2023 @ 1:17 pm

What’s the best travel insurance in the Philippines? When it comes to the best travel insurance providers in the country, AXA’s iON – Smart Traveler stands out. This insurance is not only affordable but also has a comprehensive list of coverage including medical expenses, personal accident, travel inconveniences, personal belongings, emergency medical evacuation, and many more.  Other insurance plans worth considering include Pioneer Insurance, Standard Insurance, World Nomads Explorer Plan, and AIG Travel Guard.

See the Full List

He finally pulled it off—a quick weekend getaway in Kuala Lumpur to give his frayed nerves the much-needed rest they deserve.

Exploring the majestic rock formation inside Batu Caves was the first item in his itinerary. As he was climbing up the steps of this popular Malaysian destination, he notices the monkeys roaming around.

He goes near one to tries to pet it. As he reaches for its head, the monkey jumps, grabs his hand and bites it.

After wiping off the blood from his palm, he looks for a guide who takes him to the nearest hospital for a rabies shot. He was advised to take antibiotics, anti-inflammatory, and pain medicine for the next few days.

Doctors told him he had nothing to worry, he can continue on with his trip the same day.

But even if his trip was off to a bad start, he was still thankful for one thing:

His travel insurance paid for all medical expenses.

Who was the guy? Dunno, really.

But it was an actual testimonial posted by one of the customers of a travel insurance company which we’ll check out later.

The lesson?

Don’t touch ‘em monkeys.

Also, travel insurance is valuable whenever these kinds of things happen.

Because while we’re all hopeful that the trip will go smoothly and according to plan, sometimes, sh*t happens.

And it’s not only tourist-biting monkeys were talking about here.

Travel insurance can also provide protection for your gear/belongings, pay for trip cancellations, problems with baggage, emergency medical situations, and more.

So read on to learn everything you need to know about travel insurance. It’s a small price to pay to get protection and peace of mind for your whole trip.

Related: 79 Visa-Free Countries (+eVisa & VOA) for Philippine Passport Holders

What is a Travel Insurance?

It’s a contract or arrangement with an insurer to guarantee some form of compensation for a specified loss, illness, accident, damage, interruption, and others during your travels.

Put simply, it provides you with coverage for unexpected situations whether traveling domestically or abroad.

How Travel Insurance works?

Like regular insurance, it works by paying a fee to buy a policy. The policy is essentially the contract that states the types of reimbursements or refunds that your insurance can pay for.

For example, say you have a business trip to Spain. Three days before your flight, you experience chest pains and decide to get a checked by a doctor. He concludes that you contracted pneumonia through some form of bacteria.

You were advised to cancel the trip. Will you get reimbursed for travel expenses you already paid like tickets and accommodation?

Yes—if you have travel insurance.

Depending on the type of policy you purchased, expenses incurred for the trip will be reimbursed by your insurance company .

What does a Travel Insurance cover?

Travel insurance can reimburse you on the following expenses:

• Canceled trips
• Medical emergencies
• Lost baggage
• Emergency Evacuation
• Legal costs (for unexpected incidents you didn’t cause)
• Protection of property (gear and possessions) and more.

Related: 40+ Ways to Save Money while Traveling

Types of Travel Insurance in the Philippines

While you’ll see different types of travel insurance policies out there, the two main types are Vacation Plan and Travel Medical Plan .

1. Vacation Plan Insurance

This type of travel insurance is considered to be the widest in terms of coverage. Most sub-types fall under this category. Package plan, trip cancellation, trip insurance, and the generic, “travel insurance” are considered as types of vacation plan insurance.

What coverage does vacation plan insurance provide? Here are some of the most common items covered:

• Interrupted/Cancelled Trips
• Medical Emergencies
• Lost/Delayed Baggage
• Gear protection
• 24/7 Assistance

You’ll notice that medical emergencies are still included under Vacation Plan insurance. This is because some all-in-one policies also include it on the coverage.

However, if you only seek to have medical coverage when traveling and feel like you won’t need the rest, then the next type of travel insurance is what you should get.

Related: Complete International Travel Checklist

2. Travel Medical Plan

Your health insurance provider usually provides only partial or zero coverage when traveling.

A travel medical plan ensures you have adequate medical assistance should the need arise when you’re away from your home country.

• Medical Expenses
• Emergency Evacuations

Related: Easiest Countries to Get a Citizenship

Why do you need Travel Insurance?

The answer will vary from one person to another. Essentially, however, you’re paying for peace of mind. It’s protection for your pockets.

Same reason why you get a car insurance or life insurance : It helps sidestep any headaches caused by unforeseen expenses during your travels.

Think about it: Say the guy who got bit with the monkey earlier didn’t have insurance. He’ll be forced to shell out money from his own pockets to pay for the medical expenses.

That could have affected his budget for the trip, forcing him to cancel some of the items on his itinerary to make up for the expense.

Or maybe someone fell ill back home and you need to go back ASAP. With the right travel insurance, you can reimburse the fees you paid and get back home without worrying about “wasting” what you paid for.

The same applies if your destination country is suddenly reported to experience some form of weather disturbance or natural calamities (typhoons/hurricanes/earthquakes) and you are forced to bail out. Travel insurance keeps you compensated for the expenses you already paid for.

Also Useful:  How to Get a Philippine Passport: DFA Online Appointment & Requirements

How much does Travel Insurance cost in the Philippines?

It varies. Most will fall within the range of Php 500 to Php 3000 for a single trip (4 days to a week, based on the estimated quotes provided by each insurer. More on this later).

There are several factors that affect how much your quote will be.

These are age, type of activities you’ll do during your travel, level of coverage, destination country, length of travel, medical conditions, and others.

To give you an idea of how much travel insurance costs, I’ve pulled up some sample quotes from GoBear (a comparison website).

For travel insurance packages for trips to Asian countries (single trip):

Price range: Anywhere from Php 400 to Php 800

For travel insurance packages to other countries/worldwide (single trip):

Price range: Anywhere from Php 500 to Php 3000

Best Travel Insurance Companies for Filipinos Traveling Abroad

We’ve compiled a list of travel insurance companies currently offering various policies depending on your needs. Read on to compare, you might find this useful on your next travel abroad.

Note: Please make sure to visit each insurer’s official website to get up-to-date rates. Policy coverage shown here may vary from the insurer’s product page depending on the type of plan you will avail of.

1. World Nomads

Service coverage: Worldwide Prices start at: $38 for Standard Plan; $42 for Explorer Plan

World Nomads Pty Ltd is a travel insurance company based in Sydney, Australia. It was founded in 1999 and has been a go-to insurance provider for most independent (and adventurous) travelers worldwide.

Policy coverage:

They provide emergency medical support, evacuation assistance, trip cancellation, and even include coverage for adventure sports and activities (which is not usually provided by other insurance companies).

If you check their site, you’ll see that they offer a myriad of insurance features that the more “Active” nomads will find useful. These include the following:

• Pain relieving dental treatment                     
• Prescribed medicines by a doctor or specialist                     
• Daily emergency cash allowance in hospital                     
• Hospitalization or treatment by a doctor or specialist                     
• Physiotherapy or chiropractic treatment                     
• Treatment by acupuncture or osteopath                     
• Counseling after an assault or mugging                     
• Sports & adventure activities                     
• Study, work and volunteer

2. AXA iON – Smart Traveler

Service coverage: Worldwide Prices start at: Php 990 (Essential Plan)

AXA iON is AXA Philippines’ travel insurance service. They have a pretty comprehensive list of options which includes the following:

Policy Coverage:

• Personal accident
• Emergency Medical Evacuation and Repatriation
• Travel Inconveniences
• Personal Belongings
• Other Benefits (Personal liability, hijacking, kidnapping, funeral and burial expenses)

3. AIG Travel Guard

Service coverage: Worldwide Prices start at: Php 400 (1 to 4 days)

AIG is a global insurance company that has been around for decades, catering to businesses, institutions, and individuals worldwide. One of their products is AIG Travel Guard, which is focused on providing insurance solutions to traveling individuals.

• Medical expense
• Medical evacuation
• Repatriation expense
• Child Guard
• Compassionate visit
• Baggage delay
• Trip cancellation
• Trip termination
• Baggage and personal effects
• Flight delay
• Loss of travel documents
• Personal liability

4. Fortune General

Service coverage: Worldwide Prices start at: Php 900 (1 week)

Fortune General (FGen), has revamped its travel insurance services to include more features. They provide insurance for people traveling to Asia, Schengen (Europe), and to the rest of the world.

• Accidental benefit
• Medical expense and hospitalization
• Medical evac or repatriation
• Emergency Dental Care
• Repatriation of Family Member
• Repatriation of Mortal Remains
• Compassionate Emergency Visits
• Compassionate Emergency Return
• Care for Minor Children
• Flight Delay
• Missed connecting flight
• Trip diversion
• Strikes and aircraft hijacking
• Emergency trip cancellation
• Emergency trip termination
• Personal belongings and baggage
• Other services

5. Pacific Cross

Service coverage: Worldwide Prices start at: Php 500 (Executive Peso Plan)

Pacific Cross is a medical, accident, and travel insurance service provider. It was founded in the Philippines and now operates across various branches across Asia.

Their market focus is on ASEAN countries, providing insurance products to residents in the Philippines, Thailand, Vietnam, Cambodia, Indonesia, and Hong Kong.

• In-patient and Out-Patient care
• Emergency dental treatment
• Emergency room availment and in-patient reimbursement for pre-existing conditions
• Recreational activities
• Recreational extreme sports
• Implants coverage necessitated by a covered accident
• Hospital income
• Funeral and burial expenses
• Land vehicle rental excess protection

6. Malayan Travel Master

Service coverage: Worldwide Prices start at: Php 375 (4 days in ASEAN)

Malaysian Travel Master touts itself as “The most comprehensive international travel health insurance in the Philippines”. They offer competitive pricing on their packages and caters to both local and international travels.

• Personal Accident
• Emergency medical treatment (excluding pre-existing conditions)
• Recovery of travel expenses
• Travel inconvenience benefits
• Travel assistance benefits
• Value-added features

7. MAPFRE Philippines

Service coverage: Worldwide Get a quote: Contact MAPFRE at [email protected]

MAPFRE Insular offers non-life insurance packages which are mainly focused on motor vehicles and other niche areas like engineering, marine cargo, fire, and allied lines, surety and microinsurance.

They currently offer a Travel Insurance package for both international and domestic use.

• Medical expenses and hospitalization benefits
• Trip cancellation and curtailment benefit
• Accidental death and permanent disability of insured
• Repatriation of mortal remains

8. FPG Insurance

Service coverage: Worldwide Prices start at: Php 450 (Classic Plan – 4 days)

Operating under the Zuellig Group of Companies, FPG Travel is the company’s insurance offering for individuals who need protection during their travels.

• Medical treatment/expenses
• Emergency dental care
• Medical evacuation and repatriation
• Return of a family member when traveling with the insured
• Trip cancellation and curtailment
• Delayed departure
• Loss of travel documents and money
• Luggage delay

9. Standard Insurance

Service coverage: Worldwide Prices start at: Php 495 (Asia Protect Peso – 8 days)

Standard Insurance offers both ASEAN and International travel insurance packages. They offer competitive rates for as little as Php 500 for a coverage of up to Php 500,000 (ASEAN).

• Emergency Medical Assistance
• Emergency Travel Assistance
• Travel Inconvenience Benefits
• Personal Liability Benefit
• Personal Accident Liability

10. Pioneer Insurance

Service coverage: Worldwide Prices start at: Php 399 (ASEAN 4 days)

Pioneer Life Inc was established in 1964 and is currently 100% Filipino-owned after the joint venture with Allianz AG of Germany in 2003.

• Emergency trip cancellation and termination
• Damage to baggage
• Loss of baggage
• Loss of personal money
• Loss of Travel documents

5 Tips for Buying the Best Travel Insurance

Tip #1: determine what type of insurance you need.

Before choosing a travel insurance, you should ask yourself the following questions:

• What type of activities will I be doing on the trip?
• Will I be carrying valuable possessions or baggage?
• Is there a chance or reason for the trip to get canceled?
• How much am I willing to pay for insurance?
• Does this company have a decent track record?

And other similar questions. The goal is to have a nice checklist that ticks off everything you think you’ll need for the trip.

For example, say you’re a professional photographer. You’ll be traveling to Europe for a paid assignment. Since you’ll be carrying valuable (read: expensive) gear, it’s crucial that the travel insurance you get prioritizes coverage for possessions and/or baggage-related assistance.

Tip #2: Make sure it has sufficient medical coverage

Seasoned travelers will tell you that the most expensive potential money drain (if you don’t have travel insurance) are medical-related. Accidents and injuries can range from minor to serious, easily costing you thousands of pesos from your own pocket.

A good travel insurance policy should be big enough to cover both minor and major medical issues.

Also, try to get one that has separate coverage for emergency evacuation. Since you’ll be getting insurance anyway, better get the best one you can afford.

Having the option to have a helicopter fly you off to the nearest hospital during a medical emergency (during your travels to hard-to-reach locations)  or natural disaster/calamity is highly valuable and could spell the difference between life or death.

Tip #3: As with any agreements or contracts, you should always check the fine print.

Two companies might offer similar-looking plans but the other is cheaper.

What’s the deal?

Almost always, you’ll know it by reading the fine print carefully. One might be cheaper, but with it comes a slower and more painful claims process.

The speed of getting your claims can make or break a trip, so better be careful in choosing your insurance so you won’t regret it later.

Tip #4: Take advantage of your credit card perks

Most credit card companies include travel insurance as one of the perks for their travel-focused credit cards. It’s part of their “Frequent Traveler’s” package and it can prove valuable for saving yourself a couple of hundred to a few thousand pesos for travel insurance.

Check out our list for best credit cards for travel to know more which ones provide free travel insurance.

Tip #5: Know what’s not included in your policy

Again, this goes along with doing your homework as you decide on which travel insurance company to go with.

What’s not usually covered:

• Extreme adventure activities (though some insurers provide packages for these types of activities)
• Alcohol and drug-related incidents
• Baggage/luggage issues due to the carelessness of policyholder
• Pre-existing conditions (double-check with the insurer)

Bonus tip: Purchase travel insurance at least 2 days before your trip.

Most policies get activated within 24-48 hours within approval. You don’t want to head out without adequate protection activated yet. Be safe, apply and get approved early.

Check with the insurer to confirm the exact date of when the insurance will apply.

How to Claim your Travel Insurance

It’s quite easy, actually. You just need to contact your insurer via their preferred method.

They will then ask you to submit the required documents to serve as proof of the validity of the claim.

In general, it’s a good idea to provide as much documentation as you can so as to avoid any further delay brought about by insufficient requirements.

Always check with your insurance provider what they will need exactly to approve your claim as it may vary from one insurer to another.

Required documents for claiming travel insurance due to trip cancellation:

• Documentation supporting the reason why you need/had to cancel the trip
• Invoice of trip expenses which may include the details (what, when, where) of the trip itself, airline tickets, room or hotel accommodation receipts
• Receipts and itemized bills for all trip expenses
• Physician’s statement (for medical-related incidents)
• Police reports (for stolen baggage or vehicular accidents)
• Unused tickets

In conclusion:

Benjamin Franklin once said, “By failing to prepare, you are preparing to fail”.

Travel insurance is one of those things that you need but hope you’ll never need to use. That’s just the way insurance works. Should you do, however, you’ll be thankful you have it.

Remember: Don’t be penny wise and pound foolish . A few hundred pesos for travel insurance is a tiny price to pay for protection from potentially massive expense later. Save yourself from this trouble and get adequate protection.

Disclaimer: Grit PH strives to post up-to-date information on all investment, banking, and other financial products we feature. However, information may change without notice. Therefore, we do not guarantee the accuracy of the information listed on the website, including those provided by third parties at any particular time. 

It is best to review the updated terms and conditions of your chosen financial institution. Grit PH is not affiliated with the companies mentioned in the article. All testimonials and opinions are representative only of the writer’s experience, but the results will be unique to each individual.

About Amiel Pineda

Amiel Pineda is the Head of Content at Grit PH.

He started freelance writing in 2010 doing product reviews and tech news. In 2018, he became a full-time freelancer, writing in the financial space and creating content for clients in various niches.

Prior to freelancing full-time, he worked 7 years in the financial services industry for a Fortune 500 company.

He also writes on his personal blog, Homebased Pinoy (https://homebasedpinoy.com/), where he shares tips and guides as a work-from-home freelancer, along with NFT-game guides.

Education: Technological Institute of the Philippines (Bachelor of Science in Electrical Engineering) Focus: Freelancing, Entrepreneurship, Financial Products, Investing & Personal Finance

Reader Interactions

February 10, 2019 at 1:04 pm

What travel insurance for old but fit, 86 year old can you recommend?

April 15, 2019 at 2:31 am

This is actually helpful, thanks.

May 22, 2019 at 12:42 pm

Medical insurance to use working abroad such as USA?

August 12, 2019 at 3:33 am

Hi Amiel, thanks for this. When World Nomads stopped supporting Filipino travelers early this year, we had to search for alternatives which are not as good as what World Nomads offered. This is really helpful. I just have some follow up questions: 1. Are these the “best” or “the only” providers offering travel insurance to Filipinos? 2. If the best, what was your criteria for saying that? 3. Is your list ranked from best to worst among the list of the best? 4. What then in your opinion is the best among these and why? Thanks. Gio

September 28, 2019 at 1:30 am

Do you know any travel insurance companies that offer insurance to travelers aged 70+? It seems like all of them stops at 70 year olds 😭

November 15, 2021 at 9:42 pm

Hi, would you know insurance companies offering travel insurance with covid19 coverage and covers travelers 75 years old and above as well? Thank you.

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Individual Travel Insurance

Traveling is more enjoyable when you’re insured against the unexpected – be it lost passports or flight delays. We provide a travel insurance cover directly to you and your family members, with access to a medical services hotline no matter where you are. So whether you’re an occasional traveler or a global jetsetter, there’s tailor-made protection for you.

Coverage Highlights

What it covers.

• Necessary Medical Expenses
• Emergency Medical Evacuation and Repatriation
• Travel Delay or Cancellation
• 24/7 Emergency Medical and Travel Assistance
• Chubb Travel Insurance provides you with cover for risks including medical expenses, trip cancellation costs, flight or baggage delay and personal accidents
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• Chubb Travel Insurance policyholders have access to Chubb Assistance, a global support network comprised of a team of medical experts who can assist by providing you a referral service if you become sick or injured overseas. No matter where you are in the world, a simple reverse charge call will give you 24-hour access to our assistance hotline.

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How to Buy Affordable Travel Insurance Online (PGA SOMPO TravelJOY Plus – Philippines)

It’s a question we get all the time in varying forms: Is travel insurance really necessary? Kailangan ba talaga ng travel insurance?

And our resounding answer is always the same: YES!

It’s easy to dismiss insurance. When planning a trip, we only picture ourselves having a blast, with everything running smoothly. We don’t really (want to) think about accidents, illnesses or untoward events. Most of the time, we don’t feel it because you don’t need to use it. But that’s exactly the point. Travel insurance is that one thing you wish you won’t have to use, but when something unfortunate happens, you’d be thanking the heavens that you have it. Because, guess what, when traveling, things don’t always go as planned.

Bad things can happen when traveling. We know travelers who met a severe accident in Taiwan, who lost their baggage in Europe, and who were terribly inconvenienced by flight delays. We don’t even need to look far. One of our close friends was rushed to the hospital after his appendix suddenly burst with no warning in Thailand. And we, ourselves, have been robbed while on the road.

So yes, without question, we always recommend getting a travel insurance. But how do you find one that is easy to get and easy on the pocket?

Thankfully, getting a budget-friendly insurance is now more convenient than ever before. PGA SOMPO , a joint venture of the two of the most trusted insurance companies in the Philippines and Japan, brings you TravelJOY Plus . And it’s collaborating with The Poor Traveler to make travel insurance more affordable and more accessible to the readers of this blog.

By visiting the PGA Sompo page and using the code WORTHIT , you can get a special affordable rate on your TravelJOY Plus insurance.

Whether you’re traveling in or out of Asia or you’re applying for a Schengen visa , you can use this code to score a special rate on TravelJOY Plus products.

If you need more help, here’s our step-by-step process on how you could easily purchase an affordable policy online.

WHAT'S COVERED IN THIS GUIDE?

1. Visit the TravelJOY Plus website.

You can find it right here .

You’ll be greeted by a short form asking for the following information:

• Trip type (single or annual multi-trip): If you need a policy for just one trip, choose SINGLE . (If you’re traveling a lot, consider the ANNUAL MULTI-TRIP option, which covers the trips you make for the entire year.)
• Package: Choose INDIVIDUAL .
• Destinations: Enter ALL the countries or territories that you intend to visit. The system will choose the appropriate plan for you, depending on the countries you select. For example, if you enter a country within the Schengen Zone, the system will automatically detect that you need a plan that meets the Schengen visa requirement and is accredited in that country.
• Depart Date: the date you’re leaving your usual residence for the trip.
• Return Date: the date you’ll arrive at your usual residence after the trip.
• Number of Travelers: You can choose up to five. If you’re a bigger group, you may book another batch.
• Promo/Product Code: Enter WORTHIT to avail of a special rate.

Once the form is filled out, click GET QUOTE .

2. Pick the plan that suits your budget and requirements.

On the next page, you’ll be presented with your options. In most cases, you’ll have three options: BUDGET, STANDARD, and SUPREME. Check out the corresponding benefits in the column under each plan.

Note that the system automatically filters out the plans that don’t apply to the countries you entered in the previous page. For example, if you enter any Schengen country — say, France or Italy — it will show you only one plan, SUPREME, because it’s the one that is acceptable to the Schengen embassies. It’s pretty smart and savvy!

Note: The price varies depending on the destination countries and the duration of your trip.

Once you’ve made up your mind, click in SELECT (if the plan you choose isn’t highlighted yet) or BUY NOW .

3. Enter your personal information.

The next page will show you a form. Input your personal details correctly.

You’ll find two (3) main sections here: the Applicant, the Insured Person(s), and the Beneficiary.

Under the Applicant Details part, type in your information. If you’re a group, only one needs to fill it out. Below it are the fields for the insured persons, which can be up to 5 heads. If you, the applicant, is part of the party to be insured, you may just tick the “ Copy Applicant details to Insured Persons ” button to automatically duplicate your answers and avoid typing them all over again.

Here are some of the details needed:

• contact number
• email address
• nationality
• ID type and number

Towards the bottom, you’ll find a short form about your beneficiary. Enter their details. This is optional, though. If you leave it blank, it will automatically consider “Succession of Law”.

Agree to the Terms and Conditions as well as the Privacy Policy , and click CONTINUE .

4. Pay for your policy.

You will be redirected to the PesoPay Payment Service . Don’t freak out if the look and feel of the page changes. PesoPay which is the official payment partner of PGA SOMPO.

It will list down the available payment options, which are:

• Visa or MasterCard credit card or debit card
• BDO (over the counter)
• RCBC (over the counter)
• Bayad Center

Click on the logo of your chosen payment method.

If via card, you’ll be required to enter your credit card or debit card details.

If via GCash, you’ll be required to log in to your GCash account.

Once payment is complete, the screen will display a Transaction Result. Save or take a screenshot of it before moving on.

Then click CONTINUE . It will take you back to the PGA SOMPO website with a summary of your purchase.

5. Save your Confirmation of Cover.

Check your email, where you’ll receive a copy of the Confirmation of Cover (COC).

It looks like this:

Keep a copy of it or print it out as needed.

FREQUENTLY ASKED QUESTIONS

Is travel insurance required when traveling abroad.

That depends on your destination country or territory. Some countries do require a travel insurance in their visa application process. The best example of that is the Schengen visa, used to enter these 27 European states:

Austria Belgium Croatia Czech Republic Denmark Estonia Finland France Germany Greece Hungary Iceland Italy Latvia Liechtenstein Lithuania Luxembourg Malta Netherlands Norway Poland Portugal Slovakia Slovenia Spain Sweden Switzerland

Some countries and territories may also require travel insurance upon entry, so best to double check with the respective embassy to be sure.

For many others, insurance is not required. But even so, we urge you to get one and be protected. Just because it’s not required in your destination doesn’t mean you should dismiss it. Bad things can happen when traveling, and you’ll never know when you’d actually need it. Best to be prepared. With travel insurance, you can enjoy your trips worry-free!

What is PGA SOMPO TravelJOY Plus? What are its benefits?

TravelJOY Plus is the travel insurance offered by PGA SOMPO , a joint venture of Prudential Guarantee and Assurance, the top non-life insurance company in the Philippines, and Sompo Holdings, a leading non-life insurance company in Japan. Both are known for providing high-quality service.

Together, they put together TravelJoy, which can give travelers like you relief and compensation for untoward incidents like personal accidents, medical emergencies, flight or baggage delays, trip cancellation, evacuation, loss of money, and more! COVID-19 coverage is also included!

How much is TravelJOY Plus?

One great thing about TravelJOY Plus is its competitive pricing. It is one of the most value-for-money travel insurance products out there. Not only that, aside from its Standard and Supreme plans, it also has a BUDGET OPTION, perfect for shoestring travelers.

You can avail of a plan for as low as PHP 469 for Asia or PHP 475 for Japan, Middle East, and many other countries (for 1-4 days). The Schengen-accredited Supreme plan costs PHP 717 (1-4 days), and this also applies not just to the countries within the Schengen Zone but also the UK, Ireland, Turkey, and European Russia.

Here’s the full price list. But just in case there are cost movements in the future, best to visit this page to get a more updated quote.

Please take note of the following:

• ASIA – excluding Japan, the Philippines, and the Middle Eastern Countries.
• WORLDWIDE – including Japan, Australia, New Zealand, and the Middle East (excluding the Philippines)
• SCHENGEN – Schengen countries + UK, Ireland, Turkey, European Russia (St. Petersburg and Moscow), and the Euro Zone countries.

No need to worry much about it. If you visit PGA Sompo’s booking page , the system will automatically offer you the right plan based on the countries you enter.

Is there a GROUP or FAMILY option?

There used to be a FAMILY option, but it’s currently unavailable. In the meantime, you may choose INDIVIDUAL and select the number of pax that applies to you.

Why choose TravelJOY Plus?

Aside from its competitive prices, PGA SOMPO is part of the Sompo Group which is present in over 30 countries around the world. These Sompo offices worldwide can provide necessary assistance and support should the time come that you need it.

How to contact PGA SOMPO in case something happens?

The TravelJOY Plus Hotline is +632 8866 7388. It’s open 24/7.

Disclosure: This article is made possible through collaboration with PGA SOMPO.

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What happens to my travel insurance if my trip is cancelled?

If your trip is cancelled, your travel insurance typically covers the expenses. This includes reimbursement for unused travel, accommodation, meals, and prepaid activities due to unforeseen events such as death, injury, illness (excluding pre-existing conditions), court summonses, serious home damage, job loss, and more. The coverage starts from when you purchase the policy and lasts until you board your transportation.

What is over booking and does my policy cover it?

Overbooking happens when the airline sells more seats than they have available. If your flight is delayed by over 6 hours because of overbooking, the policy covers reasonable costs for meals, lodging, and airport transfers, as long as the airline or others didn't already provide these for free.

Is travel insurance typically required for Filipino travelers?

Travel insurance isn't required for traveling within the Philippines, or many other places in Asia and worldwide. But if you're heading to Schengen countries, you need international travel insurance, with at least 30,000 EUR coverage. While not necessarily needed elsewhere, we strongly recommend securing travel insurance to ensure a smoother and worry-free experience during your travels.

Is pre-exsiting illness covered under medical & emergency expenses?

No, we don't cover pre-existing conditions initially. However, we do provide first medical aid for emergencies, which includes treatment at hospitals, surgeries, and ambulance services. If it turns out that your condition existed before you got the insurance, we won't cover any further treatments related to it. If your initial coverage limit is reached before we can determine if it's a pre-existing condition, we'll keep providing assistance until we have a diagnosis. If it's not pre-existing, you'll get the regular medical benefits. But if it is, you'll need to pay for any extra costs beyond the initial limit and any excess charges.

What does travel insurance typically not cover?

Travel insurance doesn't usually cover: 1. Actions by the Insured: Such as misconduct, criminal activities, fraud, negligence, recklessness, or mental disorders. 2. Natural Disasters: Like floods, earthquakes, or volcanic eruptions. 3. Terrorism and Conflicts: Including incidents related to terrorism, uprisings, wars, or conflicts. 4. Risky Activities: Such as hazardous sports or dangerous recreational activities. 5. Travel Advisories: Losses in areas with "DO NOT TRAVEL" warnings or due to government actions. 6. Pre-existing Conditions: Such as known health conditions, self-harm, or substance misuse. 7. Other Exclusions: Like personal errors, financial failures of providers, or major unforeseen events. These exclusions help define what's covered and manage risks.

Can I still get travel insurance while already at the airport?

Definitely! With Oona Insurance Travel Online, you can easily purchase travel insurance, anytime, anywhere, and as quickly as possible -- even while waiting for your flight. Just head over to www.myoona.ph and select the Oona travel insurance plan that's right for you. You'd get your policy straight to you inbox with just a few clicks.

What should I do if my checked-in luggage goes missing during my flight and I need to make a claim?

There are just two (2) important steps to make a claim for your lost luggage: 1. Notify the Airline via their Customer Service 2. Report the incident by calling our 24/7 Hotline numbers: +00 632 8459 4727 (outside PH) / (02) 8459 4727 (within PH) , and our team will guide you throughout the whole claims process.

Can I still get travel insurance after booking a trip?

Yes! While airlines typically offer travel insurance as an add-on, you can still avail travel insurance from providers like Oona Insurance. Just be sure to purchase at least a day before you are scheduled to fly out!

Does my policy cover COVID-19? If yes, what are the coverages?

Your policy does not cover COVID-19 by default, but you can easily get travel insurance with COVID-19 coverage as an add-on.

This add-on covers medical treatment/expenses, repatriation of mortal remains, and reimbursements for when your trip is cancelled or cut short, because of COVID-19.

What expenses does my insurance cover if my flight is delayed?

The insurance covers costs like transportation, hotel stay, meals, toiletries, and clothing, up to the limit set in the policy.

How to file a claim for your travel insurance?

Before you claim

Prepare and collate all the required documents and claim details for submission. Click here to see the required documents .

Submitting the claim

Fill out the online claim form and upload the required documents online.

Make a Claim     -----      Other Ways to File a Claim 

You can also call our Claims Assistance Hotline (8am to 5pm, M-F) at: Landline: (632) 8876 4400 Smart: 0920 918 6242 Globe: 0917 581 7175 or  email: [email protected] (for Motor and Personal Accident Claims) [email protected] (for Non-motor claims) For travel claims: Outside the PH: (+00) 632 8459 4727 Within the PH: (02) 8459 4727 Email: [email protected]

Track your claim

Claim result will be informed within 5 business days upon submissions of all required documents to Oona.

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Alternately, you may reach out to our Claim Operation team through the following channels:

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Terms and conditions of covid 19 rider.

• RT-PCR Test is part of the medical expenses limit and is ONLY covered for symptomatic patients
• Hospitalization due to COVID 19 will only be covered IF medically required and necessary as determined by a medical practitioner based on the condition of the Insured patient.
• Any quarantine expenses are NOT covered either as a requirement upon arrival in the foreign country (i.e., known risk) or as a requirement for a COVID positive Insured.
• We do not cover any medical evacuation / repatriation of people with the active virus.
• We do NOT cover the hospitalization expenses IF the quarantine facility for an asymptomatic or mild case patient is in a hospital in that particular country abroad.
• Medical check-ups due to COVID 19 for symptomatic patients that do not require hospitalizations (i.e., mild cases) IS NOT covered; Only the RT PCR Tests are covered for MILD cases that would not require hospitalization.
• For Trip Cancellation coverage (Prior to leaving the Philippines): “Serious illness understood as any unexpected alteration of the Insured's state of health that involves risk of death or implies hospitalization and makes it impossible to start the contracted trip”. If the reason for cancellation is due to COVID 19, the insured is obliged to submit a positive COVID 19 test performed 14 days before the start of the trip. [Contracting COVID 19 would require a positive COVID 19 test to validate that Insured has COVID 19, and would not rely on self-diagnosis or unsubstantiated doctors report.
• EXCLUDES coverage on expenses due to prolonging the stay of a positive COVID 19 who cannot travel but is asymptomatic and has not required medical attention and carrying out COVID 19 tests as a preventive measure or in asymptomatic policyholders, expenses related to mandatory quarantines without medical criteria. For those who have undergone hospitalization, our policy has a standard wording that only allows allow automatic extension of up to 10 days only from the initial expiry date if extension is due to a covered illness.
• Commercial gestures related to COVID 19 Coverages, by general definition, will not be allowed unless covered under the Terms and Conditions of this COVID 19 Travel Rider Indemnified Package.
• We reserve the right to the possibility of cancelling the travel insurance subscription to certain destinations if we see the possibility of adverse loss experience or increase in utilization in that particular destination abroad.
• This COVID Rider is specific to COVID-19 ONLY and will not extend to cover any other epidemic, pandemic and any communicable disease declared by any government agency, entity or in an executive order causing a state of emergency in any area and necessitating the setting up of appropriate quarantine measures therein.
• This is applicable to International Travel ONLY

PREMISES OF THE COVERAGE

• Can only be covered as a rider to the Travel Assistance Reinsurance Program and not as a separate / stand-alone new program
• For the purposes of issuance, it can go as an additional coverage or an optional rider that is attached to the contracted policy under the Travel Reinsurance Contract within its particular conditions.

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• Quota Sharing
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• We do NOT cover any medical evacuation / repatriation of people with the active virus.
• Any other epidemic, pandemic and any communicable disease declared by any government agency, entity or in an executive order causing a state of emergency in any area and necessitating the setting up of appropriate quarantine measures therein are also NOT covered under the main travel contract.
• This is applicable to International and Domestic Travel

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• Key takeaways

Is travel insurance required to visit the Philippines?

Our top picks for the best philippines travel insurance, philippines travel information & requirements, what does travel insurance for the philippines cover, what isn’t covered by travel insurance for the philippines, how much does travel insurance for the philippines cost, how to get the best philippines travel insurance, faq: philippines travel insurance, related topics.

Philippines Travel Insurance: Coverage Requirements & Costs

• You’re not required to purchase travel insurance to visit the Philippines, but you should purchase a policy anyway.
• Our top picks for travel insurance for a trip to the Philippines come from Tin Leg, Seven Corners, and Generali Global Assistance.
• It’s especially important to have travel medical insurance because US private insurance and Medicare will not work in the Philippines.
• In addition to medical emergencies, travel insurance can also protect you against flight delays, trip interruptions, loss of luggage, and other unexpected events.
• We recommend using an online comparison tool to find the right travel insurance to suit your needs for your trip to the Philippines. This way, you can compare multiple quotes and coverage options at once and get the best deal.

Our top picks for the best philippines travel insurance

• Tin Leg: Best Rated Travel Insurance
• Seven Corners: Best Value for Medical Emergencies
• Generali Global Assistance: Best Value Travel Insurance

Seven Corners

Generali global assistance.

Travel insurance isn’t legally required to visit the Philippines. However, we strongly recommend that you buy travel insurance before your trip. Your US health insurance will not be valid during your vacation to the Philippines . A travel insurance policy minimizes your losses in the event of a medical emergency or other covered event.

Best Rated Travel Insurance

Why we like it.

• Excellent primary coverage for medical expenses
• High limit for emergency evacuation coverage
• Optional cancel for any reason (CFAR) coverage available
• Comes with coverage for hurricanes and inclement weather
• Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
• Baggage delay coverage requires a 24-hour waiting period
• Low coverage limits for baggage and personal effects

Best Value for Medical Emergencies

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Best Value Travel Insurance

• Lowest cost of all Generali Global Assistance plans
• 24/7 emergency travel assistance included
• Telemedicine included
• Lower coverage than other Generali plans
• Pre-existing conditions are not covered by the Standard plan
• No coverage for accidental death and dismemberment during on-land travel

Here’s an overview of what you can expect when traveling to the Philippines

Do I need a visa to travel to the Philippines?

You don’t need a visa to travel to the Philippines unless you plan to stay there for more than 30 days.

Do I need a passport to visit the Philippines?

Yes. You must have a passport that’s valid for at least six months after your travel date

COVID-19 requirements

All travel restrictions related to COVID-19 have been lifted. You don’t have to present proof of vaccination,  test for COVID-19 , or quarantine yourself upon arrival in the Philippines.

Travel insurance for the Philippines covers a wide range of circumstances.  

It’s important to understand that some travel insurance policies may be more comprehensive and cover more potential issues than others. The following is a breakdown of standard coverages, but you should always review a provider’s plan to ensure you’re comfortable with the coverage.

Trip cancellation insurance

When you’re excited about a trip, the last thing you want to do is cancel it. Unfortunately, you may have to cancel your trip to the Philippines due to circumstances outside your control. For example, if a close family member passes away a few days before you’re set to depart, you may have to cancel to attend the funeral.

Trip cancellation insurance reimburses you for the prepaid, nonrefundable portion of your trip. This includes hotel accommodations, flights, and prepaid bookings. To qualify for reimbursement, you must cancel the trip for a covered reason. Many companies allow you to cancel due to illness, job loss, or the death of your travel companion. 

If you’re concerned about trip cancellation, consider purchasing cancel for any reason (CFAR) insurance . This type of coverage reimburses a significant portion of your prepaid expenses. 

Trip delay insurance

Trip delay insurance reimburses you for additional expenses associated with common carrier delays. In travel lingo, a common carrier is a company that offers transportation services to the public as part of its business model. Airlines, railroads, bus companies, and ferries are all examples of common carriers that may be covered by this type of travel insurance.

Once you purchase trip delay insurance, read the policy carefully. You won’t be reimbursed for additional expenses unless the delay lasts for a specific amount of time. For example, you probably won’t qualify for reimbursement due to a 30-minute delay, but you may qualify if your flight is delayed by six hours or more.

This type of coverage reimburses you only for necessary expenses. You can’t go out and buy a new wardrobe, but your insurance company may reimburse you for accommodations, transportation to and from your hotel, meals, toiletries, medication, and other personal items.

Trip interruption insurance

Like trip cancellation insurance, trip interruption coverage reimburses you for prepaid, nonrefundable expenses. The difference is that it only reimburses you if you start your trip and have to end it early for a covered reason. For example, if your travel companion has a heart attack while you’re in the Philippines, your travel insurance may reimburse you for the unused portion of your hotel stay.

Travel medical insurance

Even if you’ve never had any medical problems, there’s always a chance that you’ll develop one during your visit to the Philippines. Travel health insurance covers the cost of lab tests, X-rays, surgery, and other types of medical care, ensuring you don’t have to pay the whole bill yourself.

Medical evacuation insurance

Many types of travel insurance also include medical evacuation coverage , which pays to transport you to the nearest suitable medical facility in an emergency. Let’s say you’re climbing one of the many volcanoes in the Philippines when you fall and break several bones. If you’re in a remote area, the nearest adequate hospital maybe 50 miles away.

Baggage insurance

No one wants to arrive in the Philippines and discover that their luggage is missing or damaged. Unfortunately, it’s possible for a common carrier to lose one of your bags or damage it during the handling process. Thieves also target travelers, which may leave you without your favorite piece of jewelry or the dress you purchased just for your trip.

This type of travel insurance usually covers baggage loss and baggage delays. If you bring two suitcases to the airport and only get one upon your arrival to the Philippines, your travel insurance should reimburse you for the missing bag. Note that many travel insurance plans have per-item and per-person limits.

Baggage delay coverage reimburses you for certain expenses if your bag doesn’t arrive as scheduled. This type of coverage doesn’t kick in right away, so don’t assume that you can buy a new outfit just because your bag is an hour late. The purpose of baggage delay coverage is to reimburse you for the money you spend replacing certain items. For example, if you have to buy shampoo, bar soap, toothpaste, and a toothbrush, your travel insurance should reimburse you for these expenses.

Rental car coverage

Many types of travel insurance also cover rental car damage and theft. For example, if you accidentally hit the curb while trying to park on a busy street in the Philippines, your travel insurance may pay to repair the scratch. If you get into an accident, your travel insurance may cover the cost of repairs or reimburse the rental company for the fair market value of the car, whichever costs less.

Although travel insurance covers you in many situations, it doesn’t cover every possible emergency.

• Pre-existing conditions:   In most cases, travel insurance doesn’t cover pre-existing health conditions. These are conditions that you have on or before the date you book your trip. For example, if you’ve had chronic kidney disease for 20 years, CKD is a pre-existing condition. This type of coverage won’t pay your medical expenses if you experience a complication of kidney disease while traveling in the Philippines.
• Risky activities:   If you plan to climb volcanoes, go skydiving or engage in other risky activities, check with your insurance agent first. Many plans exclude coverage for adventure sports and other high-risk activities, so you may need to purchase extra insurance if you’re a bit of a daredevil.
• Known storms:   Travel insurance generally doesn’t cover you if you experience an emergency due to a known storm. For example, if there’s a storm brewing in the South China Sea, your insurer may deny your claim if you choose to travel to the Philippines anyway.
• Foreseeable events:   Your travel insurance may not cover you if you experience a loss due to a foreseeable event. This is an event that a reasonable person could have predicted.

For basic medical coverage for your trip to the Philippines, travel insurance can cost as little as $1 per day . For a more comprehensive policy that includes trip cancellation and trip interruption coverage, you can expect to pay around $9 to $11 per day for insurance.

To give you a better understanding of how much travel insurance for the Philippines cost, we got sample quotes from some popular travel insurance providers.

We used these travel details for our quotes:

• Age: 35 years old
• Destination: Philippines
• Trip Length: 7 days
• Trip cost: $2,000

This first table shows four quotes for basic travel insurance coverage.

Example Where Plan Doesn’t Reimburse the Full Trip Cost

To have financial protection in case your trip is canceled or interrupted, you’ll need more comprehensive coverage. For this next table, we got four quotes that show the cost of coverage which includes trip cancellation and trip interruption insurance.

Example Where Plan Does Reimburse the Full Trip Cost

Several factors affect the cost of travel insurance:

• Age:   The younger you are, the less it costs to buy coverage for your upcoming trip. This is because older people have a higher risk of accidents and illnesses.
• Destination:   Some destinations are riskier than others. Insurers charge more to provide coverage for trips to those destinations.
• Trip price:   The more your trip costs, the more coverage you need. It costs extra to extend your coverage.

To get the best travel insurance for your trip to the Philippines, follow these tips:

• Consider what type of coverage you need: Evaluate the risks you face when traveling. If you plan to do any adventure activities, you should consider a plan that includes extra coverage.
• Check to see what coverage you get with your credit card: If you book your trip with your credit card , you may already receive some types of coverage, such as trip cancellation and interruption. Once you know what you already have, you can then decide what additional types of protection you want.
• Compare plans and providers: Request multiple quotes and take the time to compare them. Make sure you understand each plan and what it requires for reimbursement. To easily compare coverage options, try using our online comparison tool .
• Purchase a policy early: If you purchase your travel insurance soon after making your initial trip deposit, you may be able to get a better deal.

Do I need travel insurance to visit the Philippines?

Although you’re not required to purchase Philippines travel insurance, we strongly recommend that you purchase this type of coverage. The right insurance plan can prevent you from losing thousands of dollars.

What does travel insurance cover in the Philippines?

It depends on what type of policy you buy. The most basic insurance plans usually cover medical expenses, medical evacuation, unexpected delays, trip cancellations, and trip interruptions. You can also buy travel insurance that covers your baggage and your rental vehicle.

How much is Philippines travel insurance?

Philippines travel insurance can cost as little as $1 per day for the most basic policy. For a more comprehensive plan, you can expect to pay around $9 to $11 per day.

Can I use my U.S. insurance in the Philippines?

U.S. health insurance doesn’t cover medical expenses incurred in the Philippines. This includes Medicare, Medicaid, military insurance plans, and private health insurance.

Can U.S. citizens get free health care in the Philippines?

The Philippines has a public health system, but non-citizens aren’t eligible for free health care. Therefore, it’s important to purchase health insurance designed to cover medical emergencies in other countries. If you don’t have travel health insurance, you may end up owing thousands of dollars in medical expenses.

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last 5 years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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Global Travel Protect Premium is the country’s first comprehensive CASHLESS travel insurance package designed to provide medical and travel assistance anywhere in the world. In partnership with Mapfre Asistencia of Spain, a pioneer in providing worldwide travel insurance, Global Travel Protect Premium (GTPP) is designed for the international traveler’s needs.

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Travel Insurance For A Trip To The Philippines (2024)

Is Philippines travel insurance worth it? We discuss the cost and coverage, plus travel and safety tips.

in under 2 minutes

Kristin Peters is a content developer with over seven years of experience researching and writing about various consumer-focused topics. As part of the Guides Home Team, she focuses primarily on home warranties and insurance services that can bring homeowners peace of mind.

Veronika Jelenik is an editor with a background in journalism. She previously has had her work published in the New York Daily News and the Hartford Courant, and she has covered many disparate topics. Veronika has a bachelor’s degree in journalism and social and cultural analysis. When not immersed in home services content, Veronika enjoys spending time with her friends and her Chihuahua, Beanie.

Traveling to a new country can be an exciting yet nerve-racking experience. Because so many aspects of the trip are out of your control, it’s impossible to predict or avoid every possible mishap. International travel insurance is one way to gain peace of mind and financial protection. You can find policies to cover a variety of situations, such as last-minute cancellations or medical emergencies and theft.

In addition to reviewing the top travel insurance companies , we at the Guides Home Team compiled all the information you need about travel insurance in the Philippines so you can plan a safe and memorable vacation.

Do I Need Travel Insurance To Visit The Philippines?

Travel insurance with a minimum coverage of $35,000 used to be required for foreign nationals visiting the Philippines. However, in May 2022, the Consulate General of the Philippines in New York issued new guidance stating that travel insurance is encouraged but no longer required.

Although the Philippines no longer requires foreign nationals to obtain travel insurance for their stay, you still need to meet other requirements for entry. You need a passport valid for at least six months and a valid onward or return ticket, as well as applicable COVID-19 vaccination proof.

If you choose to purchase travel insurance, you have options, including coverage for cancellation and medical emergencies.

Compare Philippines Travel Insurance Companies

Review policy rates and protections across top-rated travel insurance companies for a trip to the Philippines in the table below.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

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What Kind Of Travel Insurance To Get For A Trip To The Philippines

There are several types of coverage you should consider when buying travel insurance for your trip to the Philippines.

Cancel for Any Reason Coverage

Cancel for any reason (CFAR) coverage is exactly what it sounds like — insurance that covers the cost of canceled travel plans regardless of the reason. Most insurance companies offer CFAR coverage as an upgrade or add-on benefit to a standard travel insurance plan. Standard plans also cover cancellations, but only for certain reasons. Typically, those reasons are limited to unforeseen events and things outside your control, such as a natural disaster or medical emergency.

With CFAR coverage, you can cancel for reasons not covered by a standard plan without an explanation. The freedom to cancel for any reason has become especially attractive during the era of COVID-19, as public health recommendations and requirements change frequently. CFAR coverage allows you to cancel if anything pops up that makes you uneasy about the timing or destination of your trip. Your reasons could be personal, financial or even hypothetical.

Tip: Check the U.S. Department of State’s (DOS) travel advisory for the Philippines shortly before leaving. Look for updates to the advisory level, health information and areas of increased risk that might affect your travel plans.

Gear Theft Protection

When you travel, your personal belongings are at risk of being lost, damaged or stolen. The airline could lose your luggage, or your bags could be delayed, leaving you without critical gear. A thief could snatch your suitcase or laptop from your Manila hotel room or pickpocket your wallet and passport as you sample Filipino cuisine.

Travel insurance that includes gear theft protection or baggage insurance can help you replace your stolen gear and even your travel documents. Depending on the situation, the insurance company may pay to repair or replace your belongings plus cover the cost of rental equipment if necessary after a theft, loss or delay.

You should also read through your renters or homeowners insurance before leaving for the Philippines. Many policies cover your personal belongings when traveling, not just when you are home. However, certain limits and exclusions may apply.

Tip: Make a list or take photos of everything you take on your trip. That inventory will come in handy if your bags are stolen, lost or delayed. If you experience theft, report it promptly and keep a copy of any official documentation, such as a police report, to submit to your insurance provider.

Medical Emergency Insurance and Emergency Medical Evacuation

Medical emergency insurance and emergency medical evacuation coverage may be the most important features of your travel insurance. Without insurance, stolen gear or a missed flight might cost you a few hundred dollars. Canceling your entire trip could cost several thousand dollars. However, experiencing a medical emergency overseas could cost tens of thousands of dollars — especially if you need to be evacuated.

Many travel insurance plans include $500,000 or $1,000,000 of medical evacuation coverage paired with $15,000 to $500,000 of medical coverage. As you decide how much coverage to purchase, think through your plans and itinerary. Consider where and how you will be spending your time. High-risk activities and remote locations may increase the likelihood that you will need medical care.

Remember that before changes were announced in May 2022, the Philippines required foreign nationals to obtain at least $35,000 of coverage. Squaremouth , a leading travel insurance quoting and comparison engine that has helped insure more than 2.5 million customers, recommends at least $50,000 of medical emergency coverage and $100,000 of medical evacuation coverage.

Tip: If you have a pre-existing medical condition , you may need to purchase a waiver to ensure your plan will cover it. Not all plans will cover pre-existing conditions, and those that do may need you to meet certain requirements.

Rental Car Protection

You may or may not need rental car protection for your trip to the Philippines. To decide, consider whether you plan to rent a vehicle and what, if any, coverage you already have.

Contact your car insurance agent to find out what your existing auto policy covers. Few U.S. car insurance companies will cover you when you’re driving abroad, but it’s worth checking. You should also check with your credit card company, as some card issues offer complimentary rental car insurance.

You can purchase protection directly from the rental car company. Liability insurance, which covers injuries and property damage you cause other people, may be included in the rental price. For broader coverage, you typically have the option to purchase a collision damage waiver. However, it is often less expensive to purchase comprehensive travel insurance that includes rental car coverage.

Tip: Consider getting an international driving permit (IDP) before your trip. Although you should be able to use your state-issued driver’s license in the Philippines for up to 90 days, many countries require an IDP. You should also research the driving laws, culture and conditions in the Philippines to ensure that you will be comfortable driving there.

Trip Cancellation Insurance

Most travel insurance plans include trip cancellation insurance , often paired with travel delay and trip interruption coverage. Unlike CFAR coverage, this coverage is typically limited to certain situations. Your policy documents should spell out which situations do or do not qualify for reimbursement. Companies may also differ on how they treat cancellations related to the coronavirus pandemic.

If you cancel for a covered reason, trip cancellation insurance will generally cover any non-refundable trip costs up to the policy limit. You decide the coverage limits. When you apply, the insurance company will ask about your trip cost. Make sure the figure you provide includes all the prepaid, non-refundable expenses associated with your trip. If you say your trip costs $2,000, that is what your coverage limit will be.

Tip: If you need to cancel your trip, be ready to provide documentation. The insurance company will want to verify your reason for canceling. You will also need to provide proof of your expenses, such as receipts or itemized bills.

Flight Insurance

Though you only need flight insurance if you plan to fly, a trip to the Philippines will almost certainly require air travel. The Philippines is an island nation that lies more than 7,000 miles from California and nearly 5,500 miles from Hawaii. In many cases, you can expect your plans to include at least one connection, which increases the odds that you will miss a flight. Unless you purchased a fully refundable ticket, airlines are not always required to issue a refund or voucher.

Flight insurance helps you cover the cost of booking a new flight if you miss your original flight. You can purchase flight insurance from the airline itself or from a third-party travel insurance company. For international travel, it might be wiser to purchase a comprehensive travel insurance plan that includes flight coverage. You could miss your flight for many reasons, and some may involve costs not covered by flight insurance alone.

Tip: Check the vaccination requirements of each airport you will pass through on your way to the Philippines, as COVID-19 protocols may vary. You may need certain documentation, such as a negative test result, proof of vaccination or a health declaration form ready to present.

How Much Does Philippines Travel Insurance Cost?

The first step to finding the cheapest travel insurance is comparing costs. The age of the traveler, the destination location and the total trip cost all factor into travel insurance costs.

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Philippines. The below quotes are for a 30-year-old traveler from Florida, traveling to Philippines for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

How Do I Get Travel Insurance for a Philippines Vacation?

Follow these steps to purchase Philippines travel insurance:

• Add up your trip costs. This will tell you how much coverage you need. Your tally should include all expenses that are prepaid and nonrefundable to ensure sufficient trip cancellation coverage.
• Gather quotes. Gather quotes from several companies. Most companies offer multiple comprehensive plans with different terms and coverage limits.
• Read the fine print. Make sure you understand what each policy covers. You may want to ask specifically about preexisting conditions, travel assistance, COVID-19 coverage and covered cancellations.
• Choose a plan. Compare your options and choose the best plan for your travel needs. If you have multiple trips planned in a year, consider investing in an annual travel insurance plan.

Remember, it’s best to purchase travel insurance as soon as possible after booking your trip. If you wait too long, you may be ineligible for coverage or risk the denial of certain claims.

The Philippines Travel and Safety Tips

Although getting travel insurance is important, it’s equally important to do what you can to avoid needing it. Start by reading through the travel and safety tips below.

Coronavirus precautions in the Philippines are set by the Inter-Agency Task Force (IATF) for the Management of Emerging Infectious Diseases. In October 2022, the IATF issued new guidance . Foreign nationals age 15 or older must present one of two things to enter the Philippines:

• Proof of vaccination. To be considered fully vaccinated against COVID-19, you need to have received the second dose of a two-dose series or a single-dose vaccine more than 14 days prior to your departure from your country of origin.
• Negative rapid antigen test result. The COVID-19 test must have been administered and certified by a healthcare professional within 24 hours prior to your departure from your country of origin.

Note that a pre-departure COVID-19 test is no longer required for those who are fully vaccinated. Another recent change is that the country now requires a rapid antigen test within 24 hours rather than an RT-PCR test within 48 hours for unvaccinated individuals.

As of October 2022, face masks are no longer required except in healthcare facilities, medical transport and public transportation. Inbound travelers must only quarantine if they test positive for COVID-19 through a rapid antigen test. Quarantine protocols are set by the country’s Department of Health (DOH). The DOH maintains an FAQ page that travelers may find useful.

You can find a COVID-19 case tracker on the Philippines DOH website, along with a list of relevant updates and policies. You can also check the U.S. Embassy website for information related to COVID-19 and travel to the Philippines.

Crime and Safety

The U.S. DOS has four travel advisory levels. As of December 2022, the Philippines fell into the yellow level-two category: exercise increased caution. Noted risks include crime, terrorism, civil unrest and kidnapping, particularly in the Sulu Archipelago, Marawi City and other areas of Mindanao.

According to Statista , the most prevalent crime in the Philippines is theft, with 11,492 incidents reported in 2021. The DOS highlights other dangers, including kidnappings and physical assaults. Specifically, it notes that travelers leaving Manila Ninoy Aquino International Airport via taxi or private vehicle have been stopped and robbed.

If you fall victim to a crime, you should report it to the local police at the 911 hotline. U.S. citizens should also contact the U.S. Embassy at +(63)(2)5302-2000. The DOS recommends enrolling in the Smart Traveler Enrollment Program (STEP). This enables you to receive important security messages and makes it easier for authorities to locate you in an emergency.

Day Trips, Tours and Excursions

The largest island of the Philippines, Luzon, is home to the capital city of Manila. Other popular cities include Cebu in the central Visayas island group, Puerto Princesa on the westernmost island of Palawan, and El Nido at the northern tip of Palawan. Breathtaking scenery and recreational opportunities abound near all four cities. Here are a few of the top attractions and activities for tourists:

• Whale shark tours: Many tours offer a chance to see or even swim with the world’s largest fish. An up-close encounter is virtually guaranteed in Oslob, though some question the sustainability and ethics of the town’s setup. Other options are Donsol, on the island of Luzon, and Sogod Bay on Southern Leyte. The best months for this activity are November through May.
• Island hopping: Island-hopping tours allow you to visit multiple islands in one day. These tours often last 8 hours or longer and include lunch. To maximize the experience, choose a tour with a recreational activity you’d like to try, such as snorkeling or canyoneering.
• Beaches: As you might expect, the Philippines is home to several stunning beaches. Three popular destinations are El Nido’s Nacpan Beach and Boracay Island’s White Beach and Puka Shell Beach.
• Banaue Rice Terraces: Located in the mountains north of Manila, the Banaue Rice Terraces are a marvel carved into the landscape more than 2,000 years ago by the Ifugao people. The terraces are spread across several villages, including Batad. Many tours of this area are planned as a scenic multi-day adventure.

This list only scratches the surface of the things to do and see in the Philippines. The country also boasts multiple lakes, caves, parks and even underground rivers. Historical and religious sites include Fort Santiago, the Magellan’s Cross Pavilion, Cebu Taoist Temple and the Basilica del Santo Niño.

If you anticipate your trip being a once-in-a-lifetime opportunity, we recommend setting aside at least 10 days. You will have no problem filling the time. Plan your itinerary well in advance, and be realistic about how much you can fit into your visit.

Is Travel Insurance For a Trip To The Philippines Worth It?

Purchasing travel insurance for a Philippines vacation is worth it if you want nonrefundable trip costs covered in an unexpected situation. Forgoing insurance or opting for a bare-bones plan could end up being an expensive decision if something goes wrong before or during your trip. A vacation here is not without risks. Theft is relatively common, and many of the top tourist attractions are heavily dependent on good weather.

Shop around before picking a plan. We recommend gathering quotes from at least three companies. Then compare not only the prices but also the coverage limits, benefits and exclusions to ensure you get the best deal and coverage.

Frequently Asked Questions About Travel Insurance for The Philippines

Does philippine airlines require travel insurance.

When you book a flight to the Philippines from any other country through Philippine Airlines, your ticket automatically includes travel insurance with COVID-19 coverage. This coverage, which starts upon your arrival in the Philippines, is complimentary but not optional. It provides up to 30 days of protection for passengers from 2 weeks to 75 years old. It includes the following:

• Up to $35,000 for COVID-related medical expenses
• Up to $35,000 for COVID-related medical evacuation
• Up to $2,000 of personal accident coverage
• 24/7 emergency travel and medical assistance

How do you know if you need travel insurance?

To determine whether you need travel insurance, you should consider three things: cancellation policies, existing coverage and level of risk. Think through everything that could go wrong and what you can afford. Between complimentary coverage, existing insurance policies and generous cancellation policies, you may not need travel insurance.

If each item you have booked — hotels, flights , tours, etc. — can be canceled for any reason without penalty, then you can forgo cancellation coverage. For medical expenses, you may be covered by your existing health insurance, and your renters or homeowners insurance may cover any theft of your personal belongings. Some credit cards even offer complimentary travel insurance, including rental car coverage.

Which travel insurance policies cover COVID-19?

Standard travel insurance policies may or may not cover a COVID-related cancellation or delay, but most will provide medical coverage if you contract COVID-19 while traveling. Cancel for any reason (CFAR) policies will cover you if you need to cancel your trip due to COVID-19 — whether because you are sick or because of a lockdown or outbreak.

To ensure your travel insurance covers COVID-19, read through any policy documents carefully or speak to an agent. Ask about terms that may apply, such as a pandemic or foreseeable risk exclusion.

How much is travel insurance?

Travel insurance can cost anywhere from 4% to 12% of the total cost of your trip, according to Generali . However, the exact cost will vary depending on several factors, including the length and location of your trip. Your age and health may also play a role. We recommend gathering quotes from multiple companies to ensure you get the best possible rate.

Some insurance companies, such as Nationwide and Allianz, offer annual travel insurance plans that are more affordable than purchasing separate policies for each trip. You may also qualify for free but limited coverage through the airline or your credit card.

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Travel Insurance Philippines From India

Travel Insurance Philippines

Post the Covid-19 related travel regulations, the Philippines reopened its borders for travellers across the world from 10th February 2022. And so, if you have been planning a trip to this beautiful country, this could be the perfect time to do so! However, you need to be fully vaccinated to enter this picturesque country.

The Philippines is located in Southeast Asia and is a major archipelago of 7600 islands scattered along the Western Pacific Ocean. The country is an amalgamation of different cultures and is Asia’s largest Catholic nation.

From magnificent beaches to thrilling volcanic hikes, you can do so much more in the Philippines. But if you wish to make your trip safe and free from unnecessary trip-related hazards, it’s prudent to have a suitable travel insurance Philippines policy in place.

The best travel insurance Philippines plan will keep you financially protected against various medical and travel-related exigencies. So, if you fall sick during the trip or end up losing any important belongings in the Philippines, your travel insurance will be by your side and pay for the loss!

At Tata AIG, you can compare travel insurance plans online for your international trip to the Philippines and find the right premium for you by using travel insurance premium calculator . Our plans start from as low as just ₹45.5 per day*. Also, our online purchase, renewal, and claiming process is absolutely easy and hassle-free. If you are travelling with your family, you can purchase the family travel insurance plan for the Philippines.

Major Benefits of Buying a Travel Insurance Philippines Policy

A trip to the Philippines could be really exciting for you! However, when travelling to a different country for the first time, it’s important to be fully guarded against any kind of trip-related vulnerabilities that may arise. Accidents may come unannounced, and you may fall sick, get into accidents, lose your luggage, etc. Hence, if you wish to keep your financial troubles at bay during such a mishap, you should have valid travel insurance in place!

Here are some of the major advantages of having a travel insurance Philippines plan with Tata AIG -

• Local journey assistance
• Flight hijack cover
• Coverage for loss or delay of luggage
• Cover against personal liabilities
• Cover against hospitalisation due to accidents, illnesses, and COVID-19 care to the tune of $5,00,000
• Cover against medical emergencies due to Accident & Sickness, including the treatment of Covid-19 during the trip, if hospitalised
• With Tata AIG, buy travel insurance online for the Philippines in a hassle-free and fast way
• Affordable travel policy for the Philippines from India starting at just ₹45.5 per day*
• Automatic extension of your travel insurance Philippines online plan for up to 60 days or date of discharge, whichever is lesser in the event of hospitalisation close to the expiry date of the insurance plan
• Automatic 7-day extension of your travel insurance Philippines plan due to the cancellation or delay of your flight back to India

Travel Insurance Philippines from India

Although travel restrictions are annulled in the Philippines for travellers from outside, you should still be well-prepared when booking your tickets for this beautiful nation. Thanks to the pandemic, you never know when to get the virus contracted. Or what if you end up in an accident? We wish for a safe and financially secured trip abroad, but such events may come unannounced. Travelling to the Philippines as a first-timer could be exciting and daunting at the same time. So, if you are prepared well in advance for the adversities, you may experience a trip like never before.

To experience a worry-free trip to the Philippines, you need to ensure the total security of your trip. This is important because you will never know what will await you in an unknown place where it is difficult to understand the local language. However, with a travel insurance Philippines policy, you can at least have robust financial support.

A travel insurance Philippines policy will offer you just the right kind of financial support in a different nation amidst unknown faces and different cultures. In the Philippines, even though local people are friendly, you will not know where to go in case you meet with an accident. But with the best travel insurance in the Philippines, you can keep your worries at bay! Our international insurance policy will cover all kinds of medical emergencies and treatment costs overseas. Also, if you lose your luggage or passport, your valid travel insurance for the Philippines will compensate for the same.

At Tata AIG, you can buy travel insurance. The online Philippines plans to cover a wide range of accidental events that may arise during your trip. Therefore, if your tickets for the Philippines are done, it could be just the right time to apply for a Tata AIG travel insurance policy online.

Why Do You Need Travel Insurance Philippines from India?

When planning your trip to the Philippines, you should not keep any stone unturned and plan everything thoroughly. While going on a trip to a different country, no amount of research is ever enough to ensure that you will have the most memorable trip whatsoever. However, even when you think that everything related to the trip has been taken care of, you can never gauge any sudden accidental emergency or illness that may happen to you or your co-traveller while touring in the Philippines.

Also, keeping in mind the vulnerability of health conditions due to the ongoing Covid-19 virus, it’s always better to be safe than sorry. Hence, it’s always better to prepare yourself properly to travel well and come back with nothing but a bag full of memories.

So, you should always check the travel advisory by the Filipino government before departing for the country. Also, you must always have a robust international travel policy in place. This is vital because your travel medical insurance plan will keep you financially protected if you fall sick or meet with an accident during the trip. Medical treatments in the Philippines could be costly, and hence, having a travel insurance Philippines plan would be safe.

However, when buying a travel policy, it’s also important to compare travel insurance plans online to find the right one available. At Tata AIG’s official website, you can browse through the insurance plan prices and then choose the one that’s not only affordable but also comes with wide coverage options. Your chosen travel policy should have proper medical assistance, trip cancellation/extension coverage, luggage loss coverage, passport loss coverage, repatriation coverage, and so on.

With Tata AIG’s travel insurance Philippines policy, you can get all the features mentioned above and much more. Our international travel insurance plans will offer you a considerable amount of financial protection during your international trip to the Philippines.

Benefits offered by the Tata AIG travel insurance Philippines plan

With Tata AIG’s travel insurance Philippines plan, you can benefit from several travel insurance coverage options. Some of which are listed below:

1. Baggage Cover - If during your trip to the Philippines, you end up losing your luggage in transit or if it gets delayed at any of the airports, the Tata AIG baggage coverage will provide financial assistance for the same. This coverage option is included with our travel insurance Philippines policy, and with this, you can opt for full reimbursement for the cost of every single item in your checked-in luggage.

2. Journey Cover - With Tata AIG’s travel insurance for the Philippines from India, you will get complete coverage for your trip. It will include financial protection against the loss of your passport, the flight delay or cancellation, cancellation of your hotel bookings, etc.

3. Medical Cover - The Tata AIG travel insurance Philippines plan is designed perfectly to provide you with the essential monetary coverage during any kind of illness or any sudden accident during the trip that requires hospitalisation.

If you fall sick or meet with an accident in the Philippines that requires you to get hospitalised, our medical coverage will have you financially covered. Keeping in mind the current pandemic scenario, you can also get coverage against any Covid-19 related medical emergencies in the foreign land.

4. Miscellaneous Benefits -

• Travel insurance Philippines plans start at an affordable rate of just ₹45.5 per day*.
• Travel insurance purchasing can be done online through the Tata AIG website with no additional requirements of a thorough medical check-up.
• There is complete ease of paying the travel insurance premiums in Indian National Rupees and receiving the travel insurance Philippines coverage in the Philippines.

To get the best travel insurance for the Philippines, always compare travel insurance plans online with the help of our online travel insurance premium calculator .

The Philippines Visa and Entry Information

Visa Information For the Philippines

Indians who are planning a trip to the Philippines should have a valid Philippine visa to enter the beautiful country.

Here is the list of Philippine visas that are available for the travellers –

Single Entry valid for 3 months

Multiple Entry Valid for 6 months

Multiple Entry Valid for 1 year

Transit Visa

Student Visa

Pre-Arranged Employment Visa

Special Non-Immigrant Visa

Philippine Visa Fees for Indians

In order to get a Philippine Visa from India, there are certain specific fees that Indians need to pay. The following table specified the Philippine Visa fees for Indians who wish to apply for the same to visit the Philippines –

*The visa fees are subject to change. Kindly check the latest prices.

Process of Application for a Philippine Visa

If you wish to apply for a Philippine visa, you can do it in person or through a travel agency. If you wish to apply for the same in person, you can visit the Philippines Embassies in India in New Delhi, Kolkata, Mumbai, or Chennai. They will guide you through the entire visa application process.

You can also apply for a Philippine visa through a reputed travel agency. To do this, you need to download the visa application form and then fill it up properly. You need to provide all the necessary documents along with the duly

filled form and pay the required fees to apply for a visa through a travel agency.

Here are the documents you need to have to apply for a Philippine visa –

• The duly filled visa application form.
• One passport-size photograph.
• Bank statements duly stamped and signed by a bank officer for the last six months.
• The original passport has a validity of at least six months.
• Photocopy of the data and amendment pages in the passport.
• ‘Demand Draft’ is drawn from any bank with a branch in New Delhi that is payable to the ‘Embassy of the Philippines’.

Philippine Visa Application Centres in India

For Kolkata

For Chennai

Philippines Trip: Safety and Precautionary Measures to Be Undertaken

When you are in the Philippines, you should always obey the local safety protocols for avoiding any unnecessary incidents. Some of the general safety measures are listed below -

• Always keep your passport safe and with you.
• Do not unnecessarily participate in any demonstrations.
• If you find yourself amid any large local gatherings or protests, quickly take shelter in a safe place nearby.
• Keep following the local news and adjust your travel itinerary accordingly.
• Respect the local laws and regulations posed by the Filipino government and authorities.
• Do not be a part of any unlawful activities or violate the dignity of public places.
• Do not travel to any remote places without proper knowledge about the same. Take help from local authorities always.
• Always use official and legal means of transport.
• Be mindful of your visa validity in Indonesia and ensure that you do not overstay in the country without a valid visa.
• Protect your luggage, passport, and other belongings, especially in crowded spaces and tourist spots.
• Opt for the best travel insurance Philippines policy to have maximum financial support during your journey.

Covid-19 specific safety guidelines

• Cover your nose and mouth with a mask, especially in public places and while using public transport.
• Always maintain social distancing.
• Cooperate with the local Filipino government and designated authorities, and follow the applicable Covid-19 guidelines.
• Monitor yourself for any Covid-19 symptoms. Self-isolate and get tested in case you develop any of the symptoms.

If you have the right travel insurance Philippines plan in hand, you will not have to worry about the financial difficulties that may arise if you end up contracting the Covid-19 virus during your trip to and from the Philippines.

The Indian Embassy in the Philippines

Major international airports in the philippines.

• Clark International Airport
• Francisco Bangoy International Airport
• Mactan-Cebu International Airport
• Iloilo International Airport
• Kalibo International Airport
• Bacolod-Silay International Airport
• Ninoy Aquino International Airport

Currency and Foreign Exchange

The official currency in the Philippines is the Philippine peso. Each Philippine peso is divided into 100 sentimos, also called centavos. The currency code in the Philippines is PHP. And once you’re in the Philippines, you’ll find the symbol ₱ everywhere that is used to show prices. Philippine banknotes are available in denominations of 5, 10, 20, 50, 100, 200, 500, and 1000. However, the 5 and 10 PHP notes are not used very much.

A Few Must-Visit Philippines Tourist Places

The Philippines is a perfect mix of beautiful beaches, huge cities, and magnificent locales. And when planning your trip to the Philippines, it’s essential to have a bucket list in place. Once you are there, you won’t find any shortage of excitement. Here are a few destinations in the country that you must not forget to visit –

Manila Manila is the capital city of the Philippines and is the heart and soul of this beautiful country. The city is filled with gleaming skyscrapers rising across the Asian metropolis in the middle of the concrete buzz of the city. Here, you will find several modern parks, exciting malls, and luxury hotels with the best hospitality. So, Manila is one of the best places to visit in the Philippines.

Cebu Cebu is located in the Central Visayas region of the Philippines and includes more than 150 beautiful islands and islets. This place ranks amongst the best places to visit in the Philippines. It also draws more than 2 million tourists every year. In Cebu, you will find magnificent white beaches and superb diving spots. And quite naturally, Cebu has become one of the top tourist destinations in the Philippines.

Bohol Bohol is the land of the iconic Chocolate Hills in the Philippines. These are a bunch of unique geological formations that look like chocolate mounds. However, you need to visit this place, especially in the dry season, when these mounts turn brown, especially in the dry season. These 1,200 hills draw in tourists from all over the world, making it one of the country's top tourist destinations. Also, if you are fond of kayaking, you will find beautiful meandering rivers amidst the dense forest in Bohol that’s perfect for kayaking.

El Nido, Palawan El Nido is unmissable if you wish to visit a stunningly beautiful archipelago in the Philippines. The steep limestone cliffs in the place that’s right in the middle of the blue-green Ocean are a sight for sore eyes! You will find several islets and caves to explore in El Nido, and hence, you must keep it on your bucket list.

Best Time to Visit the Philippines

The best time to visit is from December to February. During this time, the temperatures are around 24°C-31°C. At this time, the country is fully accessible, and you will also be able to roam around the places in a much more comfortable way. Although the dry season in the Philippines lasts from November to April, temperatures are high during March and April, with highs of 34°C.

Disclaimer: All the information mentioned above is well-researched and sourced from reliable sources. Since this information is subject to change, it is advisable to check the latest travel guidelines and other location-specific information before planning a trip to any location. * Subject to change based on the nature and extent of the coverage.

Other Destinations

Disclaimer / tnc.

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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How to buy a travel insurance philippines plan.

If you wish to opt for a travel insurance Philippines policy with Tata AIG, you can directly visit our website and select the international travel insurance under the products section. Fill in the required personal information, select the right coverage options you wish to have in your travel policy, and make the payment online. If you want, you can also add some additional covers to your travel insurance for the Philippines with us, including the following.

1. Medical coverage 2. Baggage coverage 3. Journey coverage

Once you have opted for the necessary coverage options on your travel insurance Philippines plan, you can pay through your desired payment option online and complete the purchase process of the insurance policy. Upon verification, we will send the policy to your registered email ID.

How much should I pay for a travel insurance Philippines plan?

The premium payment for your travel insurance Philippines will depend upon various factors, including the duration of your stay in the Philippines and the sum insured you choose. It is advisable to select an appropriate sum assured in order to have sufficient coverage during your trip.

This becomes even more vital if you are planning your trip with your family. With the Tata AIG travel insurance Philippines plans, you can avail of the excellent coverage benefits at a price that won’t leave a hole in your pockets! You can determine the price of your travel insurance Philippines plan with our Travel Insurance Premium Calculator.

What are the exclusions in the travel insurance Philippines plan?

Some of the exclusions in an international travel insurance plan are loss of passport or delays due to detention or confiscation by the police or any other authorities, any loss due to threat to national security like riots, and non-medical expenses that you incur. Moreover, if a medical emergency is caused if you travel against the advice of your doctor and pre-existing disease-related emergencies will not be covered.

Does the travel insurance Philippines plan have a free-look period?

We offer a 15-day free look period on annual and multi-trip policies. But if you are purchasing a single trip policy for your trip to the Philippines, no free look period is provided to you.

If there is a change in my travel dates to the Philippines, can I make the changes to the travel dates mentioned in the policy?

Yes, you can change the travel dates mentioned in the policy before the commencement of your travel insurance plan, which is the same as your date of travel.

When will my travel insurance Philippines from Tata AIG end?

The end date of your travel insurance plan will be mentioned on your policy document. For single trip policies, the travel insurance ends as soon as your trip ends and you return to your city of residence. For multi-trip policies, you can check the dates on your policy document.

I am immigrating to the Philippines, do I need a travel insurance plan?

We provide travel insurance for work, leisure, and business purposes. You can also buy a travel insurance Philippines plan if you are travelling for study purposes. If you are planning to migrate, the travel insurance plan will not be able to cover you.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .