insurance travel philippines

Travel Insurance in the Philippines Guide: Coverage, How to Choose, Tips

• What is travel insurance?

How does travel insurance work?

• Why should I get travel insurance?
• Do I need travel insurance when going to the Philippines?
• When is the best time to get travel insurance?
• What does travel insurance cover?

Emergency Accident & Sickness Medical Expenses

Trip cancellation insurance, trip delay insurance, trip interruption travel insurance, non-medical emergency evacuation travel insurance, luggage and personal property insurance, adventure and sports travel insurance, accidental death and dismemberment, gear and electronics cover.

• What does travel insurance not cover?
• Where to get travel insurance for Philippines vacation?

What is the best travel insurance for Philippines vacation?

Tips when choosing travel insurance.

To make your vacation in the Philippines even more hassle-free, you should consider getting travel insurance for your trip. In this article, we list travel insurance tips to help you understand what to look for when choosing one that is best for your holiday in the Philippines.

See our popular Philippines Vacation Packages

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Travel insurance policies vary. Depending on your travel needs, you may opt to buy a single-trip plan, a multi-trip plan, a family/group plan, and even specific plans, including travel insurance with COVID coverage in the Philippines.

Note that most of the policies require you to settle your bills first, which the insurance company will reimburse you after your claim has been processed and approved. After your policy expires, your other travels will not be covered anymore unless you purchase a new plan.

See our popular Top Tours in the Philippines

Boracay island hopping shared tour with lunch, kawa hot bath & snorkeling package, coron island hopping tour to kayangan lake & barracuda lake | palawan super ultimate package, shared puerto princesa underground river tour in palawan with lunch & hotel transfers, why should i get travel insurance .

Although travel insurance is usually an optional expense, it can save you a lot of money if you encounter problems during your vacation. To give you peace of mind so you can enjoy your trip better, purchase a travel insurance plan that fits your Philippines itinerary . 

Do I need travel insurance when going to the Philippines? 

See our popular Adventure Tours

Boracay island hopping package private tour with lunch, snorkeling gear & kawa hot bath, private siargao tri island hopping tour with hotel transfers | guyam, naked, daku islands, when is the best time to get travel insurance .

But even if you fail to buy a travel insurance plan early, you can still get one from an insurance company that allows you to purchase one as late as 24 hours before your trip. However, note that travel insurance policies are not retroactive and will only cover the events after the plan is in force. 

What does travel insurance cover? 

This covers medical emergencies due to accidents or illnesses. For example, if you accidentally fall over and injure yourself while exploring the many tourist spots of Luzon , you can expect your travel insurance company to cover some if not all of the hospital and medicine expenses.

This covers non-refundable bookings in the event that you need to cancel your trip before it actually starts due to accidental death, injury, or a serious illness of the insured or an immediate family member. 

If your mother suddenly contracts a serious disease and you have to cancel your entire trip, your travel insurance should be able to reimburse what you already paid for, including flights, hotel bookings, and Philippine tour packages .

See our popular Best of the Philippines

Bohol firefly watching night cruise at abatan river with transfers, ilocos norte laoag & paoay historical attractions day tour with transfers.

If your flight or trip gets delayed for reasons beyond your control, you can get compensation depending on how long the delay is. Note that this coverage has a minimum number of hours delay that needs to be met, and a couple of hours’ delay or less is usually not covered. 

For instance, if your flight from Boracay to any of the Philippine Airports is delayed by more than 12 hours due to bad weather, the insurance company will shoulder the cost for additional meals and hotel bookings in the Philippines you need to purchase because of the delay or non-refundable tours to Philippine tourist spots that you missed.

Should you need to cut your trip short due to valid emergencies, your insurance company can help cover the non-refundable deposits, like the Cebu City tours you already paid for, as well as the cost of changing your travel plans, including booking a new last-minute flight.

This covers your transportation from a dangerous non-medical situation to a place of safety. Depending on your policy, this can cover natural disasters and civil or political unrest. If, for example, Mount Mayon erupts during your holiday in Albay , your travel insurance company will reimburse you the money you spent to get to a safe place.

See our popular Albay Vacation Packages

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A comprehensive travel insurance policy usually covers the loss of your baggage and personal items that got lost, damaged, or were stolen during your travels. For example, if your airline loses your luggage on your way to visit the tourist spots of Mindanao , this will cover the costs of buying new items you’ll need for your trip, including clothes, toiletries, and other travel essentials. Depending on the policy, most travel insurance companies will only cover up to a certain value. 

This is usually an added benefit to basic travel insurance policies, as injuries sustained from extreme adventures and sports are not included in the basic packages. This is useful for those who want to visit the Philipines and enjoy outdoor activities like hiking, jet skiing, or scuba diving. This means that if you get injured while exploring the best diving spots in the Philippines , you’ll receive monetary assistance.

See our popular Philippine Scuba Diving Packages & Courses

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This coverage is similar to that included in most life insurance policies, but the only difference is that it only covers the duration of your travel. If, while on vacation, you figure in an accident and lose a limb, your sight, your speech, or your hearing, you will be compensated for it financially. In case of accidental death, your chosen beneficiary will receive the benefit. 

When it comes to personal belongings, the most basic travel insurance only covers up to a certain value, usually excluding travel gear like smartphones, cameras, laptops, and drones. If you have this included in your coverage, you will be compensated if any of these items get stolen or lost by your airline or other carriers.

See our popular Island Hopping Tours

Palawan coron malcapuya, banana & bulog dos islands shared tour with lunch & transfers, what does travel insurance not cover .

Where to get travel insurance for Philippines vacation? 

Insurance companies like Pacific Cross and AXA have travel insurance policies you can check. If you are traveling to the Philippines via Philippine Airlines, you can purchase Philippine Airlines travel insurance if it’s not already included in the cost of your ticket. You may also ask your Philippine travel agency like Guide to the Philippines for recommendations.

See our popular Boracay Vacation Packages

Luxurious 5-day boracay package at 5-star movenpick resort & spa with airfare & chocolate hour, stress-free 4-day boracay package at tides hotel with airfare from manila or clark & island hopping.

Keep in mind that the cheapest travel insurance in the Philippines may not give you the best value for money. Generally, the cheaper the plan, the fewer incidents it covers, so you need to compare policies based on their coverage and not just the price.

Is travel insurance refundable? No. After your trip or coverage is over, the policy will be terminated. Remember, you’re paying for peace of mind and security, and not claiming anything from your travel insurance is actually a good thing.

If you are a frequent traveler, it might be better for you to consider multi-trip or yearly travel insurance plans, which will cover more travel.

Those traveling with several people in their traveling party should inquire about group or family travel insurance in the Philippines to ensure that everyone is protected.

You may already be insured without knowing it. Some banks provide basic travel insurance with their credit cards and debit cards. Some airlines also include travel insurance in their airfare.

Check the fine print for health exclusions. Most travel insurance policies will not cover pre-existing conditions like asthma or allergies.

Protect yourself while traveling in the Philippines by getting travel insurance

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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.

According to official sales data from Squaremouth , travel insurance for the Philippines costs, on average, around $197.20 for an average trip.

Our official sales figures over the past year show that our customers paid an average of $181.36 for travel insurance to the Philippines.

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 five 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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For your holidays in Philippines and abroad

Travel insurance for the philippines.

Welcome to the enchanting archipelago of the Philippines, a tropical paradise renowned for its pristine beaches, vibrant coral reefs, and warm hospitality. From the bustling streets of Manila to the stunning landscapes of Palawan, this diverse nation captivates travelers with its rich history, delicious cuisine, and breathtaking scenery.  

As you embark on your journey to the Philippines, it's essential to make sure that your travel adventure is safeguarded. In this guide, we'll delve into the importance of securing travel insurance for the Philippines, so you can immerse yourself in the activities of this Southeast Asian gem with confidence.  

• What should your Travel insurance cover for a trip to Philippines? 
• How Does Travel Insurance for Philippines Work?
• Do I need Travel Insurance for Philippines? 
• How Much Does Travel Insurance Cost for Philippines?

Our Suggested AXA Travel Protection Plan

What types of medical coverage does axa travel protection plans offer.

• Are There Any COVID-19 Restrictions for Travelers to Philippines?
• Traveling with pre-existing Medical Conditions? 

What should your travel insurance cover for a trip to the Philippines?

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.  

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for Brazil.

How Does Travel Insurance for the Philippines Work?

Imagine you're exploring the beautiful islands of the Philippines, and suddenly a natural disaster, such as an earthquake, strikes the region. In this unfortunate situation, the "Emergency Evacuation & Repatriation" benefit from AXA Travel Protection becomes crucial. The policy may offer provisions for evacuating you to the nearest appropriate medical facility or repatriating you to your home country in the face of a serious crisis, ensuring your safety and well-being during unexpected events like natural disasters.

Here are more ways travelers can benefit from an AXA Travel Protection Plan:  

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver) : Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.

Do I Need Travel Insurance for the Philippines?

While not obligatory, having travel insurance becomes crucial when exploring the Philippines. Situated in the Pacific Ring of Fire, an area prone to earthquakes, typhoons, and volcanic eruptions, the country presents potential risks that make obtaining suitable insurance coverages a necessity. It's vital to be prepared for unforeseen circumstances and make sure you have the proper protection in place during your visit.  

Here are more reasons why having travel insurance is recommended for trips to the Philippines:  

Medical Emergencies : Given the geographical location of the Philippines, having coverage for emergency medical expenses is important. In the event of unforeseen accidents or illnesses during your trip, this benefit offers coverage for hospital stays and doctor's fees, offering the confidence you need to explore the archipelago.  

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.  

Trip Cancellation: With the unpredictability of weather conditions and unforeseen circumstances in the Philippines, having coverage for trip cancellation is important for all travelers. Whether it's due to sudden illness, injury, or unexpected events, this benefit offers reimbursement for canceled trips.  

How Much Does Travel Insurance Cost for the Philippines?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:  

Total Trip cost: The total amount of non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.

Age: L ike any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.  

With AXA Travel Protection, travelers to the United Kingdom will be offered three tiers of insurance:  Silver,   Gold  and  Platinum . Each offer varying levels of coverage to cater to individual's preferences and travel needs.

AXA presents travelers with three travel plans – the Silver,   Gold  and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Philippine hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.  

The Platinum Plan is your go-to choice if you're looking for extra coverage for the Philippine experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring the Philippines's stunning landscapes in a rental car.  

AXA covers three types of medical expenses:  

Emergency medical: Covers unforeseen situations like fractures, burns, sudden illnesses, and allergic reactions.  

Emergency evacuation and repatriation: Covers your immediate transportation home in the event of an accidental injury or illness.  

Non-medical emergency evacuation and repatriation: Offers assistance for evacuating a destination promptly due to events unrelated to health issues. These events may include occurrences like natural disasters or civil unrest.  

Are There Any COVID-19 Restrictions for Travelers to the Philippines?

The Philippine government has lifted the requirement for international travelers to show a vaccination certificate in order to enter the country. This means that anyone can now travel to the Philippines, regardless of whether they are vaccinated against COVID-19.  

Traveling with preexisting Medical Conditions? 

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. Our Gold  and  Platinum Plan . offer coverage for preexisting medical conditions. The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plan with a pre-existing medical condition , so long as it’s within 14 days of placing your initial trip deposit and in our 60 day look back period. We're here to make sure you travel with ease, no matter your health situation.  

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.  

2.When should I buy Travel Insurance to the Philippines?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.  

3.Do Americans need travel insurance in the Philippines?

While travel insurance is not mandatory for U.S. citizens traveling to the Philippines, it is strongly recommended. Travel insurance may offer sufficient coverage in the event of unforeseen travel or health emergencies.  

4.What is needed to visit the Philippines from the USA?

US citizens entering the Philippines must have a passport valid for at least 6 months beyond their departure. Additionally, they must complete the eTravel Portal within 72 hours before or upon arrival and show a return ticket to the port of origin or the next destination.  

5.What happens if a tourist gets sick in the Philippines?

If you become sick in the Philippines, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442 . Contact information is typically provided within the insurance documentation. Please read through your policy details and information.  

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

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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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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

with our comparison partner, Squaremouth

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.

Other Insurance Resources From MarketWatch Guides 

Gain insight into our ratings for the best home, renters, pet, travel or life insurance providers and find affordable recommendations for necessary insurance products.

• Prominent Pet Insurance Companies
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If you have questions about this page, please reach out to our editors at [email protected] .

Related Articles:

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Philippines Travel Insurance Requirements

Last updated: 03/07/2024

On May 30, 2022, the Philippines removed their rules requiring all travelers to buy travel insurance and submit a negative Covid-19 test upon entry into the country. With the rule change, fully vaccinated travelers do not need to meet these requirements.

However, unvaccinated or partially vaccinated travelers may still need to adhere to various entry requirements before entering the country. These requirements are subject to change, so it’s recommended to check with the official government travel advisory before departing on your trip.

Squaremouth’s Philippines Travel Insurance Recommendations

Squaremouth recommends all travelers visiting the Philippines purchase a minimum of $50,000 in Emergency Medical coverage. This benefit can provide coverage for Covid-19, as well as other unforeseen illnesses and injuries that occur during the trip.

Squaremouth also recommends a policy with at least $100,000 in Medical Evacuation coverage, which can provide reimbursement for transportation costs to the nearest adequate medical facility in the event of an emergency. These medical recommendations are consistent with Squaremouth’s suggestions for all international travel.

Most travelers heading to the Philippines are specifically buying medical travel insurance. However, many travelers may also have non-refundable trip costs. In this case, Squaremouth recommends a comprehensive policy that includes the Trip Cancellation benefit.

Trip Cancellation can reimburse up to 100% of a traveler’s prepaid and non-refundable trip expenses in the event they have to cancel their trip for a covered reason. These reasons commonly include an unforeseen illness or injury, inclement weather, natural disaster, or death of an immediate family member. Travelers who contract Covid-19 before their trip and need to cancel can be covered by this benefit.

Travelers who buy this coverage can also receive other benefits, including Trip Interruption and Travel Delay, among others.

Trip Interruption can reimburse travelers who need to cut their trip short due to an unforeseen illness, injury, or death, or testing positive for Covid-19. Trip Interruption can reimburse a traveler between 100-200% of their unused, non-refundable trip costs, and can also reimburse travelers if they have expenses rebooking their flight home.

Travel Delay can reimburse travelers for daily expenses related to a delay post-departure. Most commonly, these delays are due to severe weather or a mechanical issue impacting their flight.

If a traveler cannot return home on time due to a positive Covid–19 test and required quarantine, the Travel Delay benefit can also cover those expenses. Policies with this coverage can typically be extended 5-10 days, and can cover a traveler’s meals and accommodations during their quarantine.

Click here to begin your search for Philippines Travel Insurance.

Philippines Travel Insurance Trends and Data

The Philippines is an Island near Malaysia and Vietnam famous for its stunning beaches, delicious food, and historical sites.

Destination Rank: 22

Percentage of Squaremouth Sales: 1.16%

Average Premium: $196.46

Average Trip Cost: $2,821.98

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24 Hour Emergency Hotline +63 2 8864 0865 No matter where you are in the world. Ask for a reverse charge call in your visiting country and we’ll help you through with access to medical and dental treatment and emergency evacuation as the situation demands.

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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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Dear Valued Clients,

In our continuing effort to improve our services, Etiqa Philippines’ e-commerce systems will be undergoing a scheduled maintenance on October 22, 2019 from 1:00 AM to 3:30 AM .

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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.

IMPORTANT NOTES

• Quota Sharing
• Annual Minimum Reinsurance Premium (Quarterly Payment)
• Maximum Days of Coverage allowed (Indemnified Program)
• Maximum Age
• Eligible Individuals
• Declaration Mode
• 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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Travels to any destination within the Philippines via air, sea, and land

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Travels to any destination outside the Philippines via air.

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TRAVEL INSURANCE PLANS

With greater ease and affordability of travel, it is exhilarating to explore and discover what the world has to offer. Find security in the knowledge that no matter where you are in the world, you have access to the help and support that you need. Global Travel Protect 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 (GTP) is designed for the international traveler’s needs.

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With greater ease and affordability of travel, it is exhilirating to explore and discover what the world has to offer. Be a smart traveller when exploring the Philippines and other countries

Be insured with Global Travel Protect Premium .

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.

Top Travel Insurances for the Philippines You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Known for its stunning beaches, lush rainforests, and vibrant culture (including the famous Ati-Atihan Festival and Sinulog Festival), the Philippines is a great destination for travellers from abroad. Although travelling to the Philippines can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to the Philippines and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Philippines Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for the Philippines:

Best Travel Insurances for the Philippines

• 01. Should I get travel insurance for the Philippines? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to the Philippines scroll down

Heading to the Philippines soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for the Philippines?

No, there's currently no legal requirement to take out travel insurance for travel to or through the Philippines.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to the Philippines or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for the Philippines:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to the Philippines. It lets you choose between various plans tailored to meet the specific needs of your trip to the Philippines, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for the Philippines:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to the Philippines? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to the Philippines

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for the Philippines. However, we strongly encourage you to do so anyway, because the cost of healthcare in the Philippines can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Six Travel Mistakes to Avoid

No travel medical insurance? Unnecessary luggage and hotel fees? Here are the biggest travel mistakes people make and how you can avoid them.

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Even the most seasoned tourists can make travel mistakes when planning a vacation. Some blunders can be minor infractions, but others can cost travelers a lot of money and heartache. 

But there are steps you can take to avoid travel mistakes. Here are six slip ups that travelers may make this year, plus tips on how to avoid them.

1. Overlooking travel medical insurance

Christopher Elliott , a consumer advocate and founder of the nonprofit Elliott Advocacy , says many people don’t consider purchasing travel medical insurance . “People often think nothing bad will happen before or on their vacation, but then they get injured overseas and need to go to the hospital, and the next thing they’re looking at is a $10,000 hospital bill.” Indeed, nearly one in four Americans report they’ve experienced a medical issue while traveling abroad, according to a 2023 survey sponsored by GeoBlue, an international health insurance company. 

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Unfortunately, most U.S. healthcare plans — including employer group plans, Medicare and Affordable Care Act plans — offer limited or no medical coverage outside the U.S. 

How to avoid: One solution is to purchase a travel medical insurance policy, a type of insurance that provides coverage for a range of medical emergencies while traveling abroad, from minor injuries to major events like heart attacks and strokes, to medical evacuation and emergency transport in the case of severe emergencies. 

The average travel medical insurance plan costs $89, according to Squaremouth , a travel insurance comparison website. Squaremouth advises international travelers to obtain a policy that provides a minimum of $50,000 in emergency medical coverage and at least $100,000 in medical evacuation coverage. 

Note: Some travel insurance policies include emergency medical coverage and medical evacuation coverage up to certain limits.

2. Getting hit with unnecessary luggage fees

You may have heard that a number of airlines — including American Airlines , Delta , and JetBlue Airways — recently raised their prices for checked bags. But one thing a lot of travelers aren’t aware of, Elliott says, is that some are now charging customers more if they check a bag at the airport versus paying to check a bag in advance. For instance, JetBlue customers flying within the U.S., Latin America, the Caribbean and Canada can save up to $20 on their first two checked bags ($10 savings per bag) when they add them to their flight reservation at least 24 hours before departure.

How to avoid: Make sure to pay ahead of time for any bags that you plan to check.

3. Incurring hidden hotel fees

Wi-Fi fees, early check-in fees, gym fees—hotels today charge guests no shortage of extra fees and surcharges . It’s a widespread problem: In an April 2023 survey by Consumer Reports , nearly four out of 10 (37%) U.S. adults said they had experienced a hidden or unexpected hotel fee in the previous two years.

How to avoid: Many hotels offer to reduce or, in some cases, waive certain fees to guests who join their loyalty program, which is free in most cases. Also, sometimes simply asking an employee at check-in to waive certain fees could do the trick.

4. Not utilizing a key search feature on Airbnb

Like hotels, Airbnb rental property owners often tack on extra fees, such as cleaning fees, fees for additional guests beyond a certain number, and service fees. These additional costs can add hundreds of dollars to your bill.

How to avoid: Elliott praised Airbnb for introducing a feature in December 2022 that allows guests to view a stay’s total costs, before taxes, when searching for rental properties. But he says there’s a caveat: “If you’re in the U.S., you need to change a setting in order to see the full rate when you search for rentals.”

To enable the feature, click the slider on the upper right of the search page that says, “Display total before taxes.”

5. Paying full price for a rental car

First, the good news: “The rental vehicle shortage has improved,” Elliott says. That’s resulted in a stabilization of rates, with rental car prices recently averaging $42 a day, up only 3% from last year, according to a report from the travel search company Hopper. The bad news? Renting a car is still more expensive than it was before the pandemic, especially for travelers who pay full freight.

How to avoid: There are several ways you can avoid paying full price. Big-box stores such as Costco , BJ’s and Sam’s Club provide their members discounts on certain rental cars. AARP and AAA also offer their members discounted rates. ( AARP members save up to 30% on base rates at Avis and Budget Rent A Car; AAA members save up to 20% on Hertz rentals). In addition, a number of credit card companies offer certain cardholders rental car discounts when they book a vehicle from specific rental car companies.

You may also be able to nab a lower rate by prepaying when you book a reservation. And, some rental car companies offer limited-mileage plans at a lower cost, which could be a good option if you’re planning to take just a short trip.

Tip: See if your credit card offers rental car insurance before you pay for insurance from a rental car company.

6. Encountering sky-high hotel rates because of Taylor Swift’s European tour

When Taylor Swift performs a concert, sometimes tens of thousands of out-of-town fans descend on the city, causing hotel prices to spike. Consider: the median rate for a standard hotel room during an Eras Tour date in Europe this year is projected to jump by 44%, with average hotel room prices in Warsaw surging a staggering 154% during her tour date there, according to a recent study by Lighthouse , a travel and hospitality research company.

How to avoid: The simplest approach for Europe-bound travelers in 2024, Elliott says, is to avoid traveling to a destination during a Taylor Swift tour date in that city. “When Taylor Swift comes to town all of the hotels sell out, and it becomes very difficult to find a reasonably priced hotel,” he says.

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Daniel Bortz is a freelance writer based in Arlington, Va. His work has been published by The New York Times, The Washington Post, Consumer Reports, Newsweek, and Money magazine, among others.  

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Travel Insurance

Now with COVID-19 coverage!  Let BDO Insure, as your insurance broker, help you get a comprehensive insurance for medical emergencies and inconveniences when traveling.  

Avail 20% off when you use your BDO Debit or Credit Card during the BDO Travel Sale from May 10 to May 19, 2024.

All travel insurance plans below are inclusive of travel inconvenience benefits and 24/7 Emergency Travel Assistance Hotline. 

Choose your plan

Domestic Travel

Up to ₱1 Million emergency medical treatment benefit inclusive of up to ₱1 Million COVID-19 coverage.

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Up to ₱1.5 Million emergency medical treatment benefit inclusive of up to ₱1.5 Million COVID-19 coverage.

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For Schengen visa requirement. Up to ₱2.5 Million emergency medical treatment benefit inclusive of up to ₱2.5 Million COVID-19 coverage.

Disclaimer: These are only general descriptions of the benefits of the insurance products. We encourage you to learn more on how they can help secure your finances. The terms and conditions of the insurance products will apply. The product details and premiums are valid as of today and may be changed without prior notice. 

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Cover your travels: What every US tourist needs to know about insurance

By getting the right coverage, visitors can protect themselves from financial losses and enjoy their travels with less worry.

Traveling is an exciting adventure that offers unique experiences and memories to last a lifetime. However, unexpected events such as illness, accidents, or logistical complications can quickly turn a dream vacation into a stressful ordeal. To mitigate these risks, it is crucial for US tourists to understand the importance of travel insurance. This article provides a comprehensive guide on what every US tourist should know about travel insurance, ensuring a safe and smooth journey.

Understanding travel insurance

Travel insurance is designed to cover the financial risks and losses that might occur while traveling, such as trip interruptions, lost baggage, medical emergencies, and other unexpected circumstances. There are several types of coverage available and choosing the right one can depend on the nature of your trip, destination, and health conditions.

Reasons to consider travel insurance coverage

Trip interruption: This coverage reimburses the cost of a one-way economy air and/or ground transportation ticket if the insured person’s trip is interrupted due to the covered reasons as mentioned in the policy.

Medical emergencies: While many health insurance plans offer limited coverage overseas, travel medical insurance provides comprehensive coverage for illnesses or injuries that occur outside of your home country. This is particularly important for destinations with high medical costs, such as the United States, where tourists can face hefty bills in the absence of adequate coverage.

Emergency medical evacuation: This covers the cost of transporting you to the nearest equipped medical facility in case of a medical emergency in a remote location where immediate medical care may not be available. It is crucial for those adventure seekers traveling or hiking to remote or unstable areas.

Baggage and personal items loss: This insurance helps to replace the cost of your belongings up to a specified amount mentioned in the policy if they are lost, stolen, or damaged beyond use in a common carrier during the trip.

A ccidental death and dismemberment: Although morbid to consider, this coverage provides a lump sum to the beneficiaries in the event of the policyholder’s death or offer an amount to the policyholder in case of a severe injury resulting in loss of limb or eyesight while traveling.

Choosing the right insurance provider

Selecting a reputable insurance provider is as critical as choosing the insurance type. Look for companies that offer 24/7 customer support, comprehensive coverage options, and positive reviews from other travelers. Ensure that the provider is licensed and has a good standing in the industry.

How to purchase travel insurance

Travel insurance can be purchased directly from an insurance provider, through a travel agent, or via a travel booking site. It is advisable to purchase insurance right after booking your travel arrangements to maximize your coverage period, especially for trip-related benefits.

Tips for US tourists

Understand the exclusions: All insurance policies have exclusions. Common exclusions include pre-existing medical conditions , injuries caused by high-risk activities, and events related to alcohol or drug use. Make sure to read the fine print and understand what is not covered.

Keep documentation: In the event of a claim, having proper documentation is essential. Keep receipts, detailed reports from medical professionals, and any related paperwork to streamline the claims process.

Consider the duration and drequency of travel: Frequent travelers might find that annual or multi-trip insurance policies are more cost-effective than single-trip policies. Assess your travel habits to choose the most suitable option.

Check for travel advisories: Before traveling, check if there are any travel advisories for your destination. Some insurance policies may not cover travel to countries with travel warnings.

Travel insurance is an essential part of planning for international travel, providing peace of mind and security during unpredictable situations. By understanding the types of coverage and choosing a suitable provider, US tourists can protect themselves from significant financial losses and enjoy their travels with less worry. Remember, the best travel insurance policy is one that fits your specific travel needs and gives you the confidence to explore the world safely.

(Chiranth Nataraj, a contributing writer to the American Bazaar, is the founder of  Visitor Guard .)

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Chiranth Nataraj, a contributing writer to the American Bazaar, is the founder of Visitor Guard. He has more than two decades worth of experience in developing insurance and technology solutions.

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