travel insurance philippines comparison

We are excited to launch a brand new Personal Loan page on 30 th December 2020!

Stay tuned for an awesome experience with us.

Kami ingin mengumumkan pelancaran laman baru untuk Pinjaman Peribadi pada 30 Disember 2020!

Nantikan pengalaman yang menarik bersama kami.

You are now leaving iMoney website and entering a third-party website.

Any information you share on the third-party website will be subjected to the policies of such website, as our privacy policy will no longer apply.

On that note, we will not be liable for any breach of confidentiality or privacy policies with regard to the information you provide on the third-party website.

As this link is provided for your convenience only, our connecting you to the third party website also does not constitute an endorsement of the contents of this website.

Compare And Find The Best Travel Insurance

Below are travel insurances available in the Philippines, both for domestic and international travel. To make it quick and easier for you, we have collected all the relevant information that will assist in your decision making. By clicking the apply button, you can start the application process and be secured for your future vacations.

We found 15 travel insurance(s) for you!

Etiqa Travel Insurance Plan

Personal Accident

AIG Travel Guard Standard Protection

Aig travel guard enhanced protection, aig travel guard domestic insurance, aig travel guard annual business global, aig travel guard annual business domestic insurance, fortune general travel access (plan i), fortune general travel access (plan ii), hsbc insurance brokers single trip travel insurance, mapfre insular domestic travel insurance, mapfre insular international travel insurance, ace international standard plan, ace international comprehensive plan, ace domestic plan, pga sompo travel insurance, faqs frequently asked questions on travel insurance, what is a travel insurance.

Travel insurance, also called travelers insurance, aims to spread your restorative costs while you are travelling. There are both local and worldwide travel insurances available that would cater to your specific requirement. Verify and consider the scope of your coverage when planning for your travel arrangements in the future before contracting the insurance provider. Aside from the scope of most restorative costs, insurance companies additionally offer many related remuneration for flight delays, loss of items and other unfavorable circumstances.

Why Should I Get Travel Insurance?

Apart from its cost, travel insurance can do so much more for you. Imagine that you are an adventurous, 30 something individual who plans to visit exotic places while at the same time, doing extreme sports. In this example, it is logical to get travel insurance because of the activities you’re planning to do are riskier than most. Definitely, lesser risk is involved for a 50 year old who plans to go to a friend’s wedding in a very safe location, but then again you’ll never know.

Travel Insurance In The Philippines

A travel insurance is designed to cut back risks and value borne with sudden events throughout travel. A number of these sudden events will be baggage lost, personal accidents, delayed flights, something that involves the travel provider’s incapacity.  Travel insurance in the Philippines  is not usually bought by Filipino travellers because it is connoted as something not essential for travelling, but what most Filipinos aren't aware of is the fact that there are chances, in fact, big chances of most airlines having the incapacity to perform as they're expected to.

Who Can Purchase Travel Insurance?

You can get insurance for yourself as well as your immediate family members, as young as six (6) weeks and up to 80 years of age. Choose between insurance coverage for domestic or international flights, or for single or unlimited trips in a year (must not exceed from 90 to 180 consecutive days) if you’re a frequent flyer. Be reminded, however, that pre-existing conditions are not covered by travel insurance policies.

What Kind Of Travel Insurance Do I Need?

The sort of travel insurance you need to rely on upon your future travel plans, whether they are for travel or for business. You can either decide to get a yearly arrangement or for a solitary outing. Likewise, we propose checking your needs based on the frequency and also the locations that you plan to visit.

What Is The Coverage Of My Travel Insurance?

It really depends on the insurance that you plan to take; you can view our comparison table for more information on this. One determinant of how much coverage you need is dependent on the places you travel and how much baggage and items costs. Usually you are going to shell out a little cash for travel insurance and it gets cheaper if you get more days covered with the plan. Every plan is unique and has its own exceptions, although benefits are almost the same and the limits for each of these do not differ from each other, it is still best to check the fine print.

What Is The Travel Insurance Claiming Process?

What you have to do first is contact your travel insurance company as soon as possible to clear any possible problems you may encounter. Ask relevant questions you find fit in the situation. At the end of this, the only way to get compensated is through a submission of a form that states you claiming what the travel insurance company owes you. This is provided that you have the supporting documents and is within the scope of claiming.

Can I Cancel My Travel Insurance Policy?

If you had purchased a travel insurance policy and your plans suddenly changed, you could file for refund as long as the policy is still within its cooling off period. Check with your travel insurance agent about the cooling off period of your plan. It may vary depending on the policy contract, but generally it is within the 14-day period.

Will Travel Insurance Protect Me When I Work Overseas?

Travel insurance plans are offered to leisure travellers and not to overseas employees. It protects passengers during flight cancellation, lost baggage, delayed flights or emergency medical situation related to travel. If you plan to work abroad, you may need a different type of insurance that will provide a more comprehensive protection against work-related accidents.

Can I Extend The Term Of My Travel Insurance Plan?

If you need to extend your travel for reasons other than typhoons, volcanic eruptions, or flood; travel insurance policy is good only within a specified term. You may need to purchase another plan to cover your extended stay.

Still wondering on the pros and cons of travel insurance? Determine if the need outweighs the cost and to further assist you on this issue, you can read our article on  determining whether getting a travel insurance is worth it .

Compare travel insurance

• Skip to primary navigation
• Skip to main content
• Skip to footer

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.

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

We need your help!

Our team is currently conducting research for an upcoming guide focusing on starting a business in the Philippines . We would greatly appreciate your contribution, which should only require a few seconds of your time. 

Thank you in advance!

• Digital Marketing
• Search Engine Optimization (SEO)
• Digital PR & Link Building
• Social Media Marketing
• Digital Advertising (PPC & Social)
• Content Marketing
• Copywriting
• Email Marketing
• Conversion Optimization
• Web/App Development
• Ecommerce Development

Please enable JavaScript in your browser to complete this form. Name * Location of Business * Number of Employees * 1 - 10 11 -50 51 - 100 100 - 500 500+ Phone Number * Email * Insurance Company Standard Insurance AXA Philippines BDO AIG Submit

Please enable JavaScript in your browser to complete this form. Full Name * Company Name * Mobile Number * Email Address * Submit

Please enable JavaScript in your browser to complete this form. Name * Contact Number * Email Address * Target Location Preferred Developer * Ayala Land SM Prime Megaworld Alveo Land DMCI Homes Federal Land Robinsons Land Corp Vista Land and Lifescapes Filinvest Land Shang Properties Century Properties Empire East Rockwell Land Website Submit

Disclosure: Your personal details will not be shared with any third-party companies. We’ll just need your contact details so our resident real estate agents can reach you to provide you with the details for any of the listed property developments you’re interested to invest in.

Please enable JavaScript in your browser to complete this form. Name * Age * Location* Phone Number * Email Address * Insurance Company Sun Life Financial Pru Life U.K. AXA Philippines AIA Philippines Manulife Insular Life BPI-AIA BDO Life Etiqa FWD Insurance Allianz PNB Life Name Get a Quote

Disclosure: Your personal details will not be shared with any third-party companies. We’ll just need your contact details so our resident financial advisors can reach you to provide you with the details for any of the listed insurance company you’re interested in.

• Credit Cards and Loans
• Blog and Guides
• Check Credit Score

The Best Travel Insurance in the Philippines, For Every Budget

Whether you need comprehensive or cheap travel insurance, we have just what you need here.

The Right Travel Insurance For All Destinations.

At eCompareMo, we've put together a comprehensive list of worldwide travel insurance plans that will cover you wherever you're headed.

More providers, more options

Easily compare travel insurance from top insurance companies.

100% transparent & customizable

Get exactly what you paid for--no hidden charges.

Fast issuance

Get your FREE quote and policy issued within minutes.

A Proper Travel Insurance Is Essential When Traveling to Europe, USA, Canada, Asia, and Schengen Territories.

For anyone traveling outside the country, travel insurance may be required, depending on your destination.

But beyond that, it's an essential cover to protect you from any travel-related mishaps you might encounter along the way. Risks can mount up once you travel to foreign places. Lost baggage and baggage delays, missed flights and flight delays, missing passports, sicknesses, and accidents—these are just some of the most common inconveniences that happen during out-of-town trips, especially during peak travel periods.

Travel insurance is a product made specially to protect you, your family, your documents, and your belongings from potential emergencies that may come your way. You can be confident that whatever travel inconvenience happens to you and your family, travel insurance is there to save your day. Everyone wants to look forward to having the best experience on their trip, and travel insurance can help you get that extra peace of mind.

What People Say About Getting Travel Insurance With eCompareMo

eCompareMo is rated 4.3/ 5 based on 128 reviews from the past 6 months.

I was in dire need of a travel insurance for my Euro trip. I searched everywhere but only eCompareMo was able to issue me a policy on the same day. I was able to score the best rates too!

Travel Insurance Explained

While it can be an additional expense, travel insurance is an indispensable tool that you will be thankful to have if travel-related disruptions happen.

What is Travel Insurance?

Travel Insurance refers to a type of insurance that covers flight delays and accidents, medical expenses, and other losses experienced during travel, be it trips within the Philippines or trips to Asia, Schengen, USA and Canada, and other destinations worldwide. It is recommended for anyone traveling outside the country, whether for business or pleasure, so you can have the best experience possible.

Why is Travel Insurance Important?

There might be instances when unforeseen problems arise while you're traveling: accidents, lost documents & valuables, delays, trip cancellations, and illnesses. While they're already a hassle in and of themselves, these can be especially tough when you're on foreign soil. That's why you need a reliable travel insurance policy to cover these costly financial expenses.

Reasons why getting travel insurance is essential

• Getting assistance abroad. It’s like having a helpline when and where you need it. In a foreign country, the language barrier can be quite the deal-breaker. Travel Insurance makes sure that you get the best and highest-quality assistance regardless of your location, in terms you can understand.
• Spares you from costly unexpected expenses. Getting medical treatment abroad can burn a serious hole in your pocket. With a travel insurance policy in hand, fees from getting medical attention will be handled by your coverage.
• Reimbursement for any losses or expenses. Stolen baggage and flight cancellations are no fun. Incidents like these often require you to shell out extra money. Your Travel Insurance is there to make up for your losses and unwanted expenses in the form of cash reimbursement.

Travel Insurance Sample Coverage

International.

• Provides personal accident insurance, medical insurance coverage
• Includes travel inconvenience & emergency assistance
• More than 20% estimated total savings
• More than 30% estimated total savings

Worry-free Travel Insurance From The Top Providers in the Philippines

Compare quotes from top travel insurance companies in the Philippines to make your travel smooth-sailing.

Travel Insurance FAQ

Here are some other answers to questions you might have about travel insurance.

How do I choose the right travel insurance?

With all the different types of Travel Insurance coverage, how do you tailor-fit the best travel insurance package for your trip and budget? Here are a few helpful tips:

• First ask yourself: How much protection do I need? Do you want security from the worst possible scenario? Or do you want very specific coverage? Many Travel Insurance providers offer a variety of packages that cater to specific needs and budgets.
• Look for an insurance policy that has a high coverage limit when it comes to medical expenses. The higher the coverage, the more potential savings you have.
• Get a Travel Insurance package that has 24/7 assistance so that you are assured of help whenever an emergency arises.
• For frequent travelers—or those flying more than four times a year—opt for an annual Travel Insurance plan that has worldwide coverage. With this, you save money and bring peace of mind with you on any trip you go to.
• Carefully compare all the Travel Insurance plans in the market before buying to avoid regrets.

What are the requirements for getting travel insurance?

Policyholders need to meet the following criteria:

• Aged between 1 and 80 years old
• Traveling locally or internationally

To apply for Travel Insurance, you must give the following requirements:

• Duly accomplished application form
• Itinerary showing destinations
• Mode of travel (air, land, sea)
• Dates of travel
• Photocopy of any valid ID
• Birth certificate

Do I really need travel insurance, even if I'm just traveling domestically or to nearby countries?

If you want to focus more on your trip and Insta-worthy posts than the worries, then yes, it is a must.

When is the best time to buy Travel Insurance?

It is recommended that you purchase one right after you book your trip and get a confirmation. Make sure that your policy covers the essentials, such as the destination's itinerary, luggage and baggage items, and medical assistance, among others.

Is luggage loss or theft always covered?

Most Travel Insurance providers in the Philippines provide luggage loss or theft cover. So whether it’s accidental loss, damage, or theft, you’re sure to have some backup. In case your luggage gets misplaced or delayed, your Travel Insurance has got it covered too.

Does Travel Insurance cover extreme sports and outdoor activities?

This is a special type of cover for adrenaline junkies. Make sure you clear this one with your insurance agent if they provide one.

Where can I apply for travel insurance that's fit for my budget and has a reliable history of supporting travelers over the years?

You can quickly access travel insurance quotes from top insurance companies for FREE at eCompareMo. We've partnered with the best travel insurance providers in the Philippines to give you the freedom to choose from only the best Travel Insurance coverage. Use our Wizard to fine-tune your selection and compare affordable packages for travel care insurance in the Philippines that suit your budget. It only takes a few taps and clicks to get a result!

How long do I have to wait to get travel insurance?

While it may take days for other travel insurance providers to offer you their quotes and policies, you can instantly see and compare quotes from leading providers here at eCompareMo. Find your preferred travel insurance provider, get a FREE quote, and apply for a travel insurance policy within minutes.

IATF OKs New, Looser Adjusted Travel Protocols

Child Car Seat Law FAQ: Here's What You Need to Know

Zambales To Open Beaches For Tourists Soon

Updated MECQ, GCQ, MGCQ Travel Guidelines For Every Province In The Philippines

All The GCQ Travel Guidelines For Non-Essential Personnel You Need To Know

Credit Cards

Our products, company updates.

• Career Opportunities
• Press Releases
• Our Insurance Services
• Car Insurance
• Prepaid Health Products
• CTPL Insurance
• Property Insurance
• Health Insurance
• Travel Insurance
• Personal Accident Insurance

To know about insurance

• Car insurance guide to CTPL
• What to do after a car accident
• Car insurance coverages and claims
• Understand CTPL coverage
• CTPL vs Comprehensive Car Insurance
• How to file a car insurance claim
• Grab and TNVS car insurance
• Processes in motor insurance claim
• Guide to buying secondhand cars
• Types of car insurance coverage
• What to do in case of a car accident
• To know about car insurance renewal
• Our Loan Services
• Personal Loan
• Housing Loan
• ORCR Sangla Personal Loan
• Business Loans

Calculators

• Personal Loan Calculator
• Housing Loan Calculator

Quick guides about loan

• What is an emergency loan
• What is no collateral loan
• Loan for Call Center Agents
• OWWA Loan Starter Guide

To know about loan

• How to get approved for personal loan
• How to apply for personal loan
• What to know about personal loan
• Key processes for personal loan
• Types of personal loan
• Loan secured by employer
• Loan secured by deposits
• Our Credit Card Services
• Best Credit Cards
• Airmiles Credit Cards
• Cashback Credit Cards
• Fuel Rebate Credit Cards
• No Annual Fee Credit Cards
• Promotions Credit Cards
• Rewards Credit Cards
• Shopping Credit Cards
• Travel Credit Cards
• Women’s Credit Cards

To know about credit cards

• How To Apply For a Credit Card
• Credit Card Types and Features
• What is Cashback and Rebates?
• What is Balance Transfer?
• All Banking Products
• All Insurance Products

Find and apply online

• Our Loans Services
• All Articles
• Credit Card

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

Relaxing 4-day beachfront mithi resort bohol package from manila, amazing 4-day movenpick boracay 5-star resort package with airfare from manila or clark & transfers, fuss-free 3-day bohol package at mithi resort with airfare from manila & transfers, what is travel insurance .

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

5-day epic sightseeing & adventure tour to albay with proxy by the oriental legazpi with transfers, incredible 1-week nature sightseeing tour to albay & sorsogon in bicol package from manila, exciting 5-day sightseeing & adventure package to albay with hotel sentro with airfare & transfers.

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

Boracay island scuba diving with instructor & equipment, boracay introductory scuba diving with divemaster, gear & underwater photos, palawan el nido discover scuba diving for beginners with equipment, tank, weight belt & snacks.

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

Popular articles

Best Palawan Guide: Top Tours, Where to Stay, How to Get Around

20 Most Beautiful Sandbars in the Philippines: White Sand, Longest, Vanishing

11 Best Santorini-Like Resorts in the Philippines: Near Manila, Cebu, Palawan, Vigan

15 Best Tropical Bali-Like Resorts in the Philippines: Near Manila, Siargao, Cebu, Bohol

10 Best Treehouse Resorts in the Philippines for a Scenic Getaway at Mountains, Beaches & Rivers

Other interesting articles.

Where to Eat in Baler Aurora: 12 Best Restaurants, Seafood, Bars, Beachfront

Ferries in the Philippines Travel Guide: Routes, Ports, Schedules

14 Best Affordable Hotels in Siargao: Private Rooms, Dorm Hostels, Beachfront

Download the Philippines’ biggest travel marketplace to your phone to manage your entire trip in one place

Scan this QR code with your phone camera and press the link that appears to add the Philippines’ biggest travel marketplace into your pocket. Enter your phone number or email address to receive an SMS or email with the download link.

Top things to do in the Philippines

Discover all the adventures you can experience in the Philippines

Philippines Tour Packages

Boracay Island

Bohol Island

Cebu Island

Coron Palawan

El Nido Palawan

Siargao Island

Iloilo City and Nearby

Best Travel Insurance in the Philippines

Traveling is an adventure filled with excitement and unpredictability. While we often focus on the itineraries and experiences, it’s crucial not to overlook one essential aspect: travel insurance. In the ever-changing landscape of global travel, especially in the context of COVID-19, securing the right travel insurance has become more important than ever. This guide will walk you through the best travel insurance options in the Philippines, helping you make an informed choice for a worry-free journey.

Table of Contents

Top Travel Insurance Options in the Philippines

1. oona travel insurance.

When it comes to comprehensive coverage at competitive prices, OONA Travel Insurance stands out. Offering up to ₱5 million in coverage for medical, hospitalization, and travel inconveniences, OONA ensures that you and your family are well-protected. With premiums starting at just ₱330, it provides an affordable yet extensive safety net.

Key Benefits:

• Up to ₱5 million coverage for medical emergencies abroad.
• 24/7 worldwide protection and assistance services.
• Cashless medical assistance, akin to HMOs.
• Coverage for COVID-19-related medical treatment for both domestic and international trips.

2. PGAI Travel Shield Insurance

PGAI Travel Shield Insurance offers tailored coverage options for international travel, with a focus on medical and emergency expenses. With up to ₱2.5 million coverage and premiums starting at ₱361, it’s an excellent choice for those seeking robust protection.

Highlights of PGAI Travel Shield Insurance:

• 24-hour Worldwide Assistance with the ability to call collect for support.
• Cashless claim settlements up to the policy limit.
• Inclusion of COVID-19 in the Medical Necessary Expenses Benefit.
• Emergency Medical Evacuation and Repatriation Benefits.

3. PGA SOMPO TravelJOY Plus

PGA SOMPO’s TravelJOY Plus is designed for the happy traveler who prioritizes safety. It offers up to ₱2.5 million in medical expenses coverage, with premiums starting at ₱463. This plan stands out for its inclusivity, covering individuals from infants to seniors up to 85 years old (99 for Schengen Visa Countries).

Notable Features:

• 24/7 hotline assistance and mobile support.
• Cashless benefits for emergency treatments or hospitalizations.
• Special cruise coverage.

Comparing Travel Insurance Premiums for Popular Destinations

When planning an international trip, one of the key considerations is the cost of travel insurance, which can vary significantly depending on your destination. This section provides a comparative analysis of travel insurance premiums for some popular destinations among Filipino travelers, helping you make a budget-conscious decision.

For example, a short 4-day trip to South Korea can see varying insurance costs. With OONA Travel Insurance, the premium is approximately ₱325.06, offering substantial coverage. In contrast, PGAI Travel Shield Insurance sets their premium a bit higher at ₱374, with PGA SOMPO TravelJOY Plus coming in at ₱463.23. This variation in pricing is reflective of the different coverage options and benefits each company offers.

You may check out a sample price comparison per destination here:

Moving to a different region, let’s consider Australia – a favorite destination for many. For a family plan, which generally provides coverage for two adults and children, the premiums can be more substantial due to the broader coverage required. OONA’s premium for such a plan in Australia is about ₱2,228.73. This increase in premium cost reflects the added risk and extended coverage necessary for family travel.

When comparing these premiums, consider the nature of your trip and the specific needs of your travel party. A solo traveler on a short trip may find a basic plan sufficient, while families or those engaging in adventure activities may require more comprehensive coverage. Additionally, some destinations may have higher medical costs or greater risks, which can be reflected in the insurance premium.

Remember, the peace of mind and security travel insurance provides can be invaluable, especially in unfamiliar destinations or in case of unexpected events. So, while considering the costs, also weigh the benefits and coverage each plan offers to ensure a worry-free and protected travel experience.

Why You Need Travel Insurance

The unpredictability of travel makes insurance a necessity. From delayed flights and natural disasters to medical emergencies, travel insurance provides a safety net. It covers lost passports, baggage issues, trip cancellations, accidents, and even death. Particularly with the prevalence of COVID-19, insurance acts as a crucial buffer, offering peace of mind and financial protection.

Travel insurance isn’t just about addressing the unexpected; it’s about ensuring a worry-free experience. Here are the most common types of coverage:

• Personal Accident Benefits : This covers death and burial expenses if the insured suffers a fatal accident or permanent disability during the trip.
• Travel Inconvenience Benefits : Compensates for expenses due to delays, cancellations, and other travel inconveniences.
• Medical & Hospitalization Benefits : Crucial for hospital stays and medical care abroad.
• Personal Liability Benefits : Reimburses for loss of personal items like baggage and documents.

Each of these coverages ensures that the financial burdens of unforeseen events are minimized, allowing you to focus on recovery or resolution.

Customizing Your Travel Insurance

Travel insurance can be tailored to fit your trip’s needs, whether it’s a once-in-a-year vacation or frequent international travel.

For Trip Frequency:

• Single trip policies are ideal for occasional travelers.
• Multi-trip policies suit those who travel several times a year.
• Annual trip insurance is perfect for regular jetsetters, offering 365 days of coverage.

For Individuals Covered:

• Single policies cater to solo travelers.
• Family plans are designed for families, including members below 18 years.
• Group plans offer convenient options for large groups, often with discount rates.

Choosing the right policy depends on how often you travel, who you travel with, and what kind of coverage you need.

Special Considerations for Schengen Travel

For those planning a trip to Europe , Schengen-compliant travel insurance is a must. Not only is it a requirement for a Schengen Visa, but it also needs to cover the entire duration of stay with a minimum coverage of €30,000 for medical emergencies and repatriation. Filipino companies like OONA, Standard, and Malayan offer such policies, ensuring you meet visa requirements while being adequately protected.

Payment Methods and Ease of Access

The digital era has simplified the process of buying and managing travel insurance. You can pay premiums through various methods, including:

• Debit or credit cards.
• Auto-debit arrangements.
• Online banking websites and apps.
• Over-the-counter at banks and payment centers.
• Post-dated checks.

These options offer flexibility and convenience, allowing you to manage your travel insurance from anywhere in the world.

Filing Insurance Claims: A Step-by-Step Guide

In case of an emergency or issue during your trip, it’s important to know how to file a claim:

• Contact your insurer immediately when an incident occurs.
• Gather proof such as police or medical reports, receipts, and other relevant documents.
• Fill out the claim forms provided by your insurer.
• Prepare the necessary documents for your specific claim type.
• Submit all documents and proofs to your insurance provider.

Note : Each insurance company has its specific requirements, so it’s essential to check these in advance.

Video: How to Get Travel Insurance?! | JM BANQUICIO

Still undecided on what travel insurance to get for your next international trip? Check out this video shared by travel blogger, JM Banquicio, where he shares his go-to travel insurance for the convenience, budget-friendly features, and overall ease of use. Be sure, however, to check the fine print so you can be assured that you have all the coverage that you need as some do not cover pre-existing conditions, and some other features. Again, the main thing here is to do your due diligence to research each package’s terms and conditions once you have your options presented to you.

Frequently Asked Questions

1. is travel insurance mandatory for international travel.

It depends on the destination. Some countries, especially those in the Schengen Area, require travel insurance for visa issuance. Even if not mandatory, it’s highly recommended for unforeseen events.

2. Does travel insurance cover COVID-19-related issues?

Most modern travel insurance policies now include coverage for medical expenses related to COVID-19. However, coverage for trip postponements or cancellations due to the pandemic may vary, so check the specific policy details.

3. What is the best time to purchase travel insurance?

Ideally, buy travel insurance soon after booking your trip. This ensures that you’re covered for any potential trip cancellations or other unforeseen events leading up to your departure.

4. Can I get travel insurance for a single trip if I travel frequently?

Yes, but frequent travelers might benefit more from a multi-trip or annual policy, which can be more cost-effective and convenient than purchasing a single-trip policy each time.

5. Are there age limits for travel insurance?

Age limits vary by insurance provider. Some policies cover infants to seniors up to 85 years old, and others may have different age brackets. Always check the age limits before purchasing a policy.

6. How does destination affect my travel insurance premium?

Destinations with higher medical costs or perceived higher risks (like extreme weather or political instability) may have higher premiums. Insurance providers assess the overall risk of the destination when setting premiums.

7. Are adventure sports and activities covered by standard travel insurance?

Many standard policies exclude high-risk activities like extreme sports. If you plan to engage in such activities, look for a policy that specifically covers them or consider an add-on.

8. What should I do if I need to make a claim?

Contact your insurer immediately if an incident occurs. Collect and prepare necessary documentation like medical reports, police reports, receipts, etc. Then, follow the insurer’s process for filing a claim, which usually involves completing a claim form and submitting the required documents.

Choosing the right travel insurance is crucial for a hassle-free journey. With various options available, it’s important to consider your specific travel needs, destinations, and the types of coverage you require. The right insurance not only offers peace of mind but also ensures that you are well-prepared for any unforeseen circumstances during your travels.

READ NEXT: 10 Best Travel Agencies in the Philippines

Disclaimer : The information provided in this blog post is intended for general informational purposes only. It is not intended as financial, legal, or insurance advice. While we strive to present the most accurate and up-to-date information, insurance policies and their details, including coverage, premiums, and terms, are subject to change by the respective insurance providers. Therefore, we cannot guarantee the accuracy or completeness of the information at the time of reading. Readers are advised to conduct their own research and consult directly with insurance companies or qualified professionals before making any decisions regarding travel insurance.

• Best Travel Insurance 2024
• Cheapest Travel Insurance
• Trip Cancellation Insurance
• Cancel for Any Reason Insurance
• Seniors' Travel Insurance
• Annual Travel Insurance
• Cruise Insurance
• COVID-19 Travel Insurance
• Travel Medical Insurance
• Medical Evacuation Insurance
• Pregnancy Travel Insurance
• Pre-existing Conditions Insurance
• Mexico Travel Insurance
• Italy Travel Insurance
• France Travel Insurance
• Spain Travel Insurance
• Canada Travel Insurance
• UK Travel Insurance
• Germany Travel Insurance
• Bahamas Travel Insurance
• Costa Rica Travel Insurance
• Disney Travel Insurance
• Schengen Travel Insurance
• Is travel insurance worth it?
• Average cost of travel insurance
• Is airline flight insurance worth it?
• Places to travel without a passport
• All travel insurance guides
• Best Pet Insurance 2024
• Cheap Pet Insurance
• Cat Insurance
• Pet Dental Insurance
• Pet Insurance That Pays Vets Directly
• Pet Insurance For Pre-Existing Conditions
• Pet Insurance with No Waiting Period
• Paw Protect Review
• Spot Pet Insurance Review
• Embrace Pet Insurance Review
• Healthy Paws Pet Insurance Review
• Pets Best Insurance Review
• Lemonade Pet Insurance Review
• Pumpkin Pet Insurance Review
• Fetch Pet Insurance Review
• Figo Pet Insurance Review
• CarePlus by Chewy Review
• MetLife Pet Insurance Review
• Average cost of pet insurance
• What does pet insurance cover?
• Is pet insurance worth it?
• How much do cat vaccinations cost?
• How much do dog vaccinations cost?
• All pet insurance guides
• Best Business Insurance 2024
• Business Owner Policy (BOP)
• General Liability Insurance
• E&O Professional Liability Insurance
• Workers' Compensation Insurance
• Commercial Property Insurance
• Cyber Liability Insurance
• Inland Marine Insurance
• Commercial Auto Insurance
• Product Liability Insurance
• Commercial Umbrella Insurance
• Fidelity Bond Insurance
• Business Personal Property Insurance
• Medical Malpractice insurance
• California Workers' Compensation Insurance
• Contractor's Insurance
• Home-Based Business Insurance
• Sole Proprietor's Insurance
• Handyman's Insurance
• Photographer's Insurance
• Esthetician's Insurance
• Salon Insurance
• Personal Trainer's Insurance
• Electrician's Insurance
• E-commerce Business Insurance
• Landscaper's Insurance
• Best Credit Cards 2024
• Best Sign-Up Bonuses
• Instant Approval Cards
• Best Cash Back Credit Cards
• Best Rewards Credit Cards
• Credit Cards for Bad Credit
• Balance Transfer Credit Cards
• Student Credit Cards
• 0% Interest Credit Cards
• Credit Cards for No Credit History
• Credit Cards with No Annual Fee
• Best Travel Credit Cards
• Best Airline Credit Cards
• Best Hotel Credit Cards
• Best Gas Credit Cards
• Best Business Credit Cards
• Best Secured Credit Cards
• Best American Express Cards
• American Express Delta Cards
• American Express Business Cards
• Best Capital One Cards
• Capital One Business Cards
• Best Chase Cards
• Chase Business Cards
• Best Citi Credit Cards
• Best U.S. Bank Cards
• Best Discover Cards
• Amex Platinum Card Review
• Amex Gold Card Review
• Amex Blue Cash Preferred Review
• Amex Blue Cash Everyday Review
• Capital One Venture Card Review
• Capital One Venture X Card Review
• Capital One SavorOne Card Review
• Capital One Quicksilver Card Review
• Chase Sapphire Reserve Review
• Chase Sapphire Preferred Review
• United Explorer Review
• United Club Infinite Review
• Milestone Mastercard Review
• Destiny Mastercard Review
• OpenSky Credit Card Review
• Self Credit Builder Review
• Chime Credit Builder Review
• Aspire Card Review
• Amex Gold vs Platinum
• Amex Platinum vs Chase Sapphire Reserve
• Capital One Venture vs Venture X
• Capital One SavorOne vs Quicksilver
• How to get Amex pre-approval
• Amex travel insurance explained
• Chase Sapphire travel insurance guide
• Chase Pay Yourself Back
• CLEAR vs. TSA PreCheck
• All credit card guides
• Citibank Savings Account Interest Rate
• Capital One Savings Account Interest Rate
• American Express Savings Account Interest Rate
• Western Alliance Savings Account Interest Rate
• Barclays Savings Account Interest Rate
• Discover Savings Account Interest Rate
• Chase Savings Account Interest Rate
• U.S. Bank Savings Account Interest Rate
• Marcus Savings Account Interest Rate
• Synchrony Bank Savings Account Interest Rate
• Ally Savings Account Interest Rate
• Bank of America Savings Account Interest Rate
• Wells Fargo Savings Account Interest Rates
• SoFi Savings Account Interest Rate
• Best Savings Accounts & Interest Rates
• Best High Yield Savings Accounts
• Best 7% Interest Savings Accounts
• Best 5% Interest Savings Accounts
• Savings Interest Calculator
• Emergency Fund Calculator
• Pros and Cons of High-Yield Savings Accounts
• Types of Savings Accounts
• Checking vs Savings Accounts
• Average Savings by Age
• How Much Should I Have in Savings?
• How to Make Money
• How to Save Money
• Compare Best Checking Accounts
• Compare Online Checking Accounts
• Best Business Checking Accounts
• Compare Best Teen Checking Accounts
• Best Student Checking Accounts
• Best Joint Checking Accounts
• Best Second Chance Checking Accounts
• Chase Checking Account Review
• Bluevine Business Checking Review
• Amex Rewards Checking Account Review
• E&O Professional Liability Insurance
• Best Savings Accounts & Interest Rates
• All Insurance Guides
• Philippines Travel Insurance

On This Page

• 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.

Whether you want to climb a volcano or dip your toes into the turquoise waters of Bacuit Bay, the Republic of the Philippines is the perfect place to get away from it all. Before you get caught up in sunbathing, snorkeling, and swimming, it’s important to protect yourself against trip delays, cancellations, and other problems that could throw a wrench in your travel plans.

Although travel insurance isn’t legally required to visit the Philippines, it’s something you should purchase for your own peace of mind. We put together this guide to help you understand the benefits of Philippines travel insurance and show you why it’s essential to buy coverage before you leave for your trip.

Our top picks for the best philippines travel insurance

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

Seven Corners

Generali global assistance.

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

Best Rated Travel Insurance

Why we like it.

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

Best Value for Medical Emergencies

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

Best Value Travel Insurance

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

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

Do I need a visa to travel to the Philippines?

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

Do I need a passport to visit the Philippines?

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

COVID-19 requirements

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

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

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

Trip cancellation insurance

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

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

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

Trip delay insurance

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

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

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

Trip interruption insurance

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

Travel medical insurance

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

Medical evacuation insurance

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

Baggage insurance

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

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

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

Rental car coverage

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

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

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

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

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

We used these travel details for our quotes:

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

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

Example Where Plan Doesn’t Reimburse the Full Trip Cost

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

Example Where Plan Does Reimburse the Full Trip Cost

Several factors affect the cost of travel insurance:

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

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

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

Do I need travel insurance to visit the Philippines?

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

What does travel insurance cover in the Philippines?

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

How much is Philippines travel insurance?

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

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

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

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

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

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

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

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

Explore related articles by topic

• All Travel Insurance Articles
• Learn the Basics
• Health & Medical
• Insurance Provider Reviews
• Insurance by Destination
• Trip Planning & Ideas

Best Travel Insurance Companies & Plans in 2024

Best Medical Evacuation Insurance Plans 2024

Best Travel Insurance for Seniors

Best Cruise Insurance Plans for 2024

Best COVID-19 Travel Insurance Plans for 2024

Best Cheap Travel Insurance Companies - Top Plans 2024

Best Cancel for Any Reason (CFAR) Travel Insurance

Best Annual Travel Insurance: Multi-Trip Coverage

Best Travel Medical Insurance - Top Plans & Providers 2024

• Is Travel Insurance Worth It?

Is Flight Insurance Worth It? | Airlines' Limited Coverage Explained

Guide to Traveling While Pregnant: Pregnancy Travel Insurance

10 Romantic Anniversary Getaway Ideas for 2023

Best Travel Insurance for Pre-Existing Medical Conditions April 2024

22 Places to Travel Without a Passport in 2024

Costa Rica Travel Insurance: Requirements, Tips & Safety Info

Spain Travel Insurance Plans + Tips for a Safe Spain Vacation

Italy Travel Insurance: Trip Requirements, Tips & Safety Info

Best Travel Insurance for your Vacation to Disney World

Chase Sapphire Travel Insurance Coverage: What To Know & How It Works

2024 Complete Guide to American Express Travel Insurance

Schengen Travel Insurance: Coverage for your Schengen Visa Application

Mexico Travel Insurance: Top Plans in 2024

Best Places to Spend Christmas in Mexico this December

Travel Insurance to Canada: Tips & Quotes for US Visitors

Best Travel Insurance for France Vacations in 2024

Travel Insurance for Germany: Tourist Information & Tips

Best UK Travel Insurance: Coverage Tips & Plans April 2024

Travel Insurance for Trips to the Bahamas: Tips & Safety Info

Europe Travel Insurance: Your Essential Coverage Guide

Best Trip Cancellation Insurance Plans for 2024

What Countries Require Travel Insurance for Entry?

Travel Insurance for the Dominican Republic: Requirements & Tips

Travel Insurance for Trips Cuba: Tips & Safety Info

AXA Travel Insurance Review April 2024

Travel Insurance for Thailand: US Visitor Requirements & Tips

Travel Insurance for a Trip to Ireland: Compare Plans & Prices

Travel Insurance for a Japan Vacation: Tips & Safety Info

Faye Travel Insurance Review April 2024

Travel Insurance for Brazil: Visitor Tips & Safety Info

Travel Insurance for Bali: US Visitor Requirements & Quotes

Travel Insurance for Turkey: U.S. Visitor Quotes & Requirements

Travel Insurance for India: U.S. Visitor Requirements & Quotes

Australia Travel Insurance: Trip Info & Quotes for U.S. Visitors

Generali Travel Insurance Review April 2024

Travelex Travel Insurance Review for 2024

Tin Leg Insurance Review for April 2024

Travel Insured International Review for 2024

Seven Corners Travel Insurance Review April 2024

HTH WorldWide Travel Insurance Review 2024: Is It Worth It?

Medjet Travel Insurance Review 2024: What You Need To Know

Antarctica Travel Insurance: Tips & Requirements for US Visitors

Travel Insurance for Kenya: Recommendations & Requirements

Travel Insurance for Botswana: Compare Your Coverage Options

Travel Insurance for Tanzania: Compare Your Coverage Options

• Travel Insurance
• Travel Insurance for Seniors
• Cheap Travel Insurance
• Cancel for Any Reason Travel Insurance
• Travel Health Insurance
• How Much is Travel Insurance?
• Is Flight Insurance Worth It?
• Anniversary Trip Ideas
• Travel Insurance for Pre-Existing Conditions
• Places to Travel Without a Passport
• Christmas In Mexico
• Europe Travel Insurance
• Compulsory Insurance Destinations
• Dominican Republic Travel Insurance
• Cuba Travel Insurance
• AXA Travel Insurance Review
• Travel Insurance for Thailand
• Ireland Travel Insurance
• Japan Travel Insurance
• Faye Travel Insurance Review
• Brazil Travel Insurance
• Travel Insurance Bali
• Travel Insurance Turkey
• India Travel Insurance
• Australia Travel Insurance
• Generali Travel Insurance Review
• Travelex Travel Insurance Review
• Tin Leg Travel Insurance Review
• Travel Insured International Travel Insurance Review
• Seven Corners Travel Insurance Review
• HTH WorldWide Travel Insurance Review
• Medjet Travel Insurance Review
• Antarctica Travel Insurance
• Kenya Travel Insurance
• Botswana Travel Insurance
• Tanzania Travel Insurance

Policy Details

LA Times Compare is committed to helping you compare products and services in a safe and helpful manner. It’s our goal to help you make sound financial decisions and choose financial products with confidence. Although we don’t feature all of the products and services available on the market, we are confident in our ability to sound advice and guidance.

We work to ensure that the information and advice we offer on our website is objective, unbiased, verifiable, easy to understand for all audiences, and free of charge to our users.

We are able to offer this and our services thanks to partners that compensate us. This may affect which products we write about as well as where and how product offers appear on our website – such as the order in which they appear. This does not affect our ability to offer unbiased reviews and information about these products and all partner offers are clearly marked. Given our collaboration with top providers, it’s important to note that our partners are not involved in deciding the order in which brands and products appear. We leave this to our editorial team who reviews and rates each product independently.

At the LA Times Compare our mission is to help our readers reach their financial goals by making smarter choices. As such we follow stringent editorial guidelines to ensure we offer accurate, fact-checked and unbiased information to all readers. Learn how we are compensated by our partners.

Username or Email Address

Remember Me

Travel Insurance Philippines: Coverage, Deals, and Providers

Planning a trip to the stunning landscapes and vibrant culture of the Philippines? Don’t forget to prioritize your travel insurance coverage. With the right travel insurance, you can protect yourself from unexpected events and have the peace of mind to fully enjoy your trip.

In this article, we’ll explore the best travel insurance options in the Philippines, including coverage, deals, and the top providers. From trip cancellation insurance to medical evacuation coverage, we’ll guide you through the essential types of travel insurance you need for a worry-free journey in the Philippines.

Key Takeaways:

• Travel insurance is crucial for a trip to the Philippines due to the country’s susceptibility to natural disasters like typhoons and earthquakes.
• Trip cancellation insurance provides coverage for unexpected events that may force you to cancel your travel plans.
• Medical evacuation insurance is essential when traveling to remote areas in the Philippines to ensure access to suitable medical facilities.
• Gear theft protection included in travel insurance safeguards your belongings from loss or theft while you explore the country.
• Consider travel insurance plans that offer assistance services to make your trip more convenient, such as live translation and alternative accommodation booking.

Why Travel Insurance is Essential for a Trip to the Philippines

When planning a trip to the Philippines, it’s essential to understand the importance of travel insurance . This beautiful country is prone to natural disasters like typhoons and earthquakes, making travel insurance coverage for trip cancellation and interruption vital. Additionally, the Philippines is known for its unique landscapes that attract adventure seekers and nature enthusiasts. However, medical emergencies in remote areas may require evacuation to a better-equipped facility in a larger city.

To ensure a worry-free and protected trip, it’s crucial to choose travel insurance coverage that meets your needs. The Philippines offers a wide range of options from top providers, catering to various budgets and preferences. Whether you’re looking for cheap travel insurance in the Philippines or comprehensive coverage, comparing different plans can help you find the best fit for your trip.

Travel Insurance Coverage in the Philippines

Travel insurance coverage in the Philippines typically includes:

• Trip Cancellation and Interruption: Protection against unforeseen events that may lead to trip cancellation or early termination.
• Medical Expenses: Coverage for medical emergencies, including hospitalization , doctor’s fees, and medication.
• Emergency Evacuation: Assistance in evacuation to a better-equipped medical facility in case of severe illness or injury.
• Baggage and Personal Belongings: Protection against loss, theft, or damage to your luggage and personal belongings.
• Travel Assistance Services: 24/7 access to travel assistance services such as medical referrals, emergency cash transfers , and travel information.

By opting for travel insurance coverage in the Philippines, you can enjoy peace of mind knowing that you’re safeguarded against unforeseen circumstances that may disrupt your trip. Whether it’s a natural disaster, a sudden illness, or a stolen passport, travel insurance provides financial protection and assistance when you need it most.

“Travel insurance coverage in the Philippines provides financial protection and assistance when you need it most.”

Top Travel Insurance Providers in the Philippines

These top travel insurance providers in the Philippines offer a variety of coverage options at different price points. It’s recommended to check customer reviews, compare coverage details, and consider your specific travel needs when choosing the right travel insurance provider for your trip.

Remember, investing in travel insurance is an essential part of trip preparation. Whether you’re exploring the mesmerizing beaches of Palawan, hiking in the breathtaking Cordillera mountains, or indulging in the bustling city life of Manila, having travel insurance coverage in the Philippines ensures that you can make the most of your trip with peace of mind.

Trip Cancellation Insurance: Peace of Mind for Unforeseen Events

Trip cancellation insurance is crucial when considering travel insurance in the Philippines. Whether it’s illness, injury, or unpredictable weather conditions, unforeseen events can disrupt your travel plans. By opting for trip cancellation insurance, you can recover your lost trip deposits if you need to cancel due to covered reasons.

Comparing travel insurance options online is essential to finding the best coverage and rates for your trip to the Philippines. Take advantage of the convenience and accessibility of the internet to review and compare various travel insurance plans. This way, you can make an informed decision and choose a policy that suits your specific needs and budget.

Don’t leave your travel plans to chance. With trip cancellation insurance, you can travel with peace of mind, knowing that you are financially protected in case of unexpected events.

Trip Delay Insurance: Ensuring Comfort in Unexpected Situations

Trip delays can be frustrating, especially when you’re far from home in an unfamiliar country. That’s where trip delay insurance comes in handy, offering coverage for additional costs incurred due to flight delays, bad weather, or other unforeseen events. With the right travel insurance plan , you can have peace of mind and ensure a comfortable experience even when facing unexpected situations.

Whether you’re traveling domestically within the Philippines or venturing abroad, international travel insurance that includes trip delay coverage is essential. It provides financial protection and assistance for various situations that may disrupt your travel plans. From flight delays to missed connections, trip delay insurance helps cover the additional expenses you may incur, such as meals, accommodations, or transportation.

Domestic travel insurance in the Philippines is equally important, as it safeguards against unforeseen travel disruptions that can occur within the country. Whether it’s due to severe weather conditions, transportation issues, or other unexpected events, having trip delay coverage ensures you have the necessary financial support to navigate through such situations smoothly.

Benefits of Trip Delay Insurance :

• Reimbursement for additional expenses incurred during a trip delay, such as meals, accommodations, or transportation
• 24/7 assistance hotline to help rebook flights , arrange alternative transportation, or find suitable accommodations
• Coverage for missed connections due to delays, helping arrange new flights and minimizing disruptions
• Financial support for unexpected situations that cause a delay, providing peace of mind and reducing the impact on your travel experience

By having trip delay insurance as part of your travel insurance plan, you can travel with confidence, knowing that you have coverage in case of unexpected disruptions. With the right support and financial assistance, you can turn an inconvenient delay into an opportunity to explore or relax without worrying about the additional costs.

Don’t let trip delays dampen your travel experience. Invest in travel insurance that includes trip delay coverage, whether you’re exploring the beautiful destinations within the Philippines or embarking on an international adventure . With the right protection, you can have peace of mind and enjoy a worry-free trip.

Trip Interruption Insurance: Protection for Unexpected Emergencies

Emergencies can occur at any time, and they may force you to cut your trip short. Trip interruption insurance provides coverage for the cost of rebooking last-minute flights and reimburses you for unused, prepaid trip expenses. When comparing travel insurance options in the Philippines, it’s important to consider trip interruption coverage to protect yourself from unexpected emergencies that require you to end your trip prematurely.

Unexpected emergencies can disrupt even the most carefully planned trips . Whether it’s a sudden illness, a family emergency back home , or a natural disaster, trip interruption insurance acts as a safeguard, offering financial protection and peace of mind. In the unfortunate event that you need to cut your trip short, trip interruption coverage ensures that you don’t bear the burden of additional expenses.

With trip interruption insurance, you can recoup the costs of rebooking your return flights or making alternate arrangements to get back home . Additionally, you can be reimbursed for any unused, prepaid trip expenses, such as accommodations, tours , or activities that you were unable to enjoy due to the unforeseen interruption.

When comparing travel insurance options in the Philippines, it’s essential to carefully review the coverage and terms of trip interruption insurance. Look for policies that provide adequate reimbursement for last-minute flight changes or cancellations. Consider the maximum coverage limits and whether there are any exclusions based on the reasons for trip interruption. It’s also crucial to compare the deductibles, premiums, and overall reputation of different travel insurance providers to ensure you choose a reliable and reputable company.

By comparing travel insurance options online, you can find comprehensive trip interruption coverage that suits your needs and budget. Take the time to read reviews and consult with insurance experts if necessary. Remember, the unexpected can happen when we least expect it, but by investing in trip interruption insurance, you can protect yourself from the financial implications of an interrupted trip.

Travel with peace of mind and be prepared for unexpected emergencies by securing trip interruption insurance. Don’t let unforeseen circumstances ruin your travel experience. Take the necessary steps to protect yourself and ensure that you can recover any financial losses associated with trip interruption during your trip to the Philippines.

Here’s a table summarizing the key features to consider when comparing trip interruption insurance policies:

“By investing in trip interruption insurance, you can protect yourself from the financial implications of an interrupted trip.”

Travel Medical Insurance: Healthcare Protection Outside the U.S.

Traveling to a foreign country, like the Philippines, means you may not have access to the same healthcare coverage as you do at home . It’s crucial to have international travel insurance that includes travel medical coverage to ensure you receive the necessary care in case of a medical emergency while in the Philippines.

Travel medical insurance provides coverage for medical-related expenses, such as hospital bills and emergency medical treatments, during your trip. This type of insurance protects you from unexpected medical costs that can arise due to accidents, illnesses, or injuries while abroad.

With travel medical insurance, you have peace of mind knowing that you won’t be burdened with exorbitant medical bills if you need medical attention while in the Philippines. Whether it’s a minor illness or a major medical emergency, your travel medical insurance will cover the expenses, allowing you to focus on recovery instead of worrying about financial matters.

When choosing travel insurance, make sure to select a plan that offers comprehensive travel medical coverage specifically designed for international travel to the Philippines. Look for policies that include benefits such as:

• Emergency medical treatment and hospitalization coverage
• Emergency medical evacuation and repatriation
• Emergency dental treatment
• 24/7 medical assistance and support

Having travel medical insurance not only ensures your well-being but also provides you with the necessary support and coordination in case of a medical emergency. It’s important to remember that healthcare systems can vary from country to country, and having the right travel medical insurance will give you the peace of mind to explore the wonders of the Philippines without worrying about unexpected medical expenses.

Medical Evacuation Insurance: Safety in Remote Locations

Exploring the remote and breathtaking locations of the Philippines is an adventurous experience like no other. However, it’s crucial to be prepared for any unforeseen medical emergencies that may arise in these remote areas. The challenging task of accessing medical facilities in these regions can be a cause for concern. That’s where medical evacuation insurance steps in to ensure your safety and peace of mind.

Medical evacuation insurance provides coverage for the expenses associated with transporting you to the nearest suitable medical facility in case of a severe injury or illness. By having this coverage , you can rest assured that you’ll receive the necessary medical attention, even in the most remote areas of the Philippines.

In the event of a medical emergency that requires urgent attention beyond the capabilities of nearby medical facilities, medical evacuation insurance covers the costs of transporting you to a well-equipped medical facility. Whether it’s by helicopter, small aircraft, or boat, this insurance ensures that you receive the appropriate care and treatment without delay. This coverage can be a literal lifesaver when time is of the essence.

Peace of Mind When Venturing Off the Beaten Path

When travelers venture into remote areas, they often find themselves far away from major cities and comprehensive medical facilities. These remote destinations often lack the resources to handle complex medical cases. Without medical evacuation insurance, reaching appropriate medical care can be both difficult and costly.

With medical evacuation insurance, you won’t have to worry about how you’ll access suitable medical facilities or how you’ll cover the transportation expenses. You can focus on enjoying your journey, knowing that you have a safety net in place, ready to assist you when needed. This coverage grants you peace of mind, allowing you to explore the hidden gems of the Philippines without undue concern for your well-being.

Choosing the Right Coverage for Your Needs

When selecting a travel insurance plan for your trip to the Philippines, be sure to opt for one that includes medical evacuation coverage. Check the policy details to understand the specific coverage limits, the network of medical facilities involved, and any requirements or restrictions associated with the coverage.

It’s also essential to consider the nature of your planned activities and the locations you intend to visit. If your trip involves adventurous pursuits, such as hiking in remote areas or water sports in secluded islands, it becomes even more crucial to have comprehensive medical evacuation insurance coverage.

By prioritizing medical evacuation insurance in your travel insurance plan , you can explore the stunning remote locations of the Philippines with confidence, knowing that help is just a call away.

Gear Theft Protection: Safeguarding Your Belongings

When traveling, the risk of losing or having your belongings stolen is always present. To ensure the safety of your valuable possessions, it’s essential to have travel insurance that includes gear theft protection or baggage insurance. With this coverage, you can have peace of mind knowing that you will be reimbursed for lost or stolen items, allowing you to replace them or cover the cost of rental equipment if necessary.

When choosing travel insurance in the Philippines, it’s important to select a plan from reliable companies that offer comprehensive coverage for your belongings. This will give you the confidence that your personal items are protected no matter where your journey takes you.

“Traveling is not just about the places you visit, but also the memories you create. Gear theft protection helps safeguard those memories by providing the financial support you need to recover from unfortunate incidents.”

Why Choose a Travel Insurance Plan with Gear Theft Protection?

Traveling with expensive gear, such as cameras, laptops, or sporting equipment, can make you a potential target for thieves. By opting for a travel insurance plan with gear theft protection, you can enjoy the following benefits:

• Peace of mind: Knowing that your belongings are covered can free you from worry and allow you to fully embrace your travel experience.
• Financial protection: In the unfortunate event of theft, travel insurance can provide the necessary funds to replace your stolen items or cover the cost of rental equipment, minimizing the financial impact.
• Flexibility: Gear theft protection coverage can extend beyond just theft. It may also include coverage for accidental damage, ensuring comprehensive protection for your valuable belongings.

Whether you’re a photographer capturing beautiful landscapes or an adventurer exploring the diverse terrains of the Philippines, having gear theft protection as part of your travel insurance plan is invaluable.

Compare Travel Insurance Options for Comprehensive Coverage

When searching for travel insurance companies in the Philippines , take the time to compare various options to find the one that best fits your needs and budget. Look for plans that provide extensive coverage for gear theft, with clear terms and conditions to ensure you fully understand the protection you’re getting.

Consider factors such as the coverage limits, deductible amounts, and exclusions to make an informed decision. Additionally, read reviews and seek recommendations from fellow travelers to gauge the reliability and reputation of the insurance providers.

Remember, cheap travel insurance in the Philippines doesn’t necessarily mean compromising on coverage. Look for cost-effective options that still offer comprehensive protection for your belongings.

Convenience of Travel Insurance Assistance Services

Travel insurance not only offers coverage for unforeseen events but also provides a range of convenient assistance services to make your trip more convenient and worry-free. When choosing a travel insurance plan in the Philippines, it’s beneficial to consider these additional services that can greatly enhance your travel experience.

• Live Translation : Many travel insurance companies in the Philippines offer live translation services to assist you in navigating language barriers. Whether you need help communicating with locals or translating important documents, having access to professional translators can make your trip smoother and more enjoyable.
• Alternative Accommodations: In case of unforeseen circumstances such as hotel closures or overbooking, travel insurance companies in the Philippines can help you secure alternative accommodations. This ensures that you have a comfortable place to stay , even when unexpected situations arise.
• Lost Baggage Assistance: Losing your baggage while traveling can be a stressful experience. With travel insurance, you can rely on the assistance of your insurance provider to coordinate with airlines and track your lost baggage. They can help facilitate the process of locating and recovering your belongings, minimizing any inconvenience caused.

Investing in travel insurance assistance services provides you with peace of mind and reliable support whenever you encounter challenges during your trip. These services are designed to enhance your travel experience by providing practical solutions and reducing potential disruptions.

By choosing a travel insurance plan in the Philippines that offers comprehensive assistance services, you can travel with confidence, knowing that help is just a phone call away.

When it comes to travel insurance in the Philippines, it’s essential to choose a reputable provider that offers reliable coverage and excellent customer support. A number of travel insurance companies in the Philippines provide online services, making it convenient for you to compare and purchase the right travel insurance plan that suits your needs.

When evaluating travel insurance companies in the Philippines, consider factors such as coverage options, customer reviews, and claim process efficiency. Taking the time to find the right travel insurance provider will ensure that your trip to the Philippines is protected and worry-free.

Rental Car Protection: Peace of Mind on the Road

When planning your travel to the Philippines, renting a car provides the freedom to explore the beautiful landscapes at your own pace. However, it’s crucial to ensure the safety and protection of your rented vehicle . That’s where rental car protection from travel insurance comes in. With the best travel insurance coverage in the Philippines, you can enjoy peace of mind on the road, knowing that you’re financially protected in case of any unforeseen incidents.

If you already have auto insurance , it’s important to note that it may not cover international driving or accidents that occur while renting a car abroad. Therefore, it’s essential to check with your car insurance provider about the extent of coverage before your trip. To have comprehensive protection during your rental car experience in the Philippines, considering travel insurance that includes rental car protection is highly recommended.

Travel insurance companies understand the importance of rental car protection and often offer coverage as part of their plans. This coverage ensures that you’re safeguarded against potential expenses related to damages, accidents, or theft of the rented vehicle.

By purchasing travel insurance with rental car protection, you can enjoy the following benefits:

• Protection against the cost of repairs or damages to the rental car
• Coverage for theft of personal belongings from the rental car
• Assistance with emergency roadside services, in case of breakdown or lockout
• Reimbursement for additional expenses due to rental car accidents or damages

Having rental car protection not only provides financial security but also ensures a stress-free and enjoyable journey throughout your stay in the Philippines. While comparing the best travel insurance options in the Philippines, consider the extent of rental car coverage offered by different providers. Look for plans that offer comprehensive protection tailored to your specific needs, so you can have a worry-free experience on the roads.

Trusted Providers Offering Rental Car Protection in the Philippines:

These trusted providers offer rental car protection that you can consider while choosing the best travel insurance in the Philippines . The estimated costs mentioned are subject to change, depending on the duration of your rental and the coverage limits you select.

Traveling in a rented car allows you to discover the hidden gems of the Philippines with freedom and flexibility. However, it’s always better to be safe than sorry. With rental car protection from reliable travel insurance providers, you can enjoy peace of mind on the road, knowing that you’re protected against any unexpected incidents, accidents, or damages to your rented vehicle.

As you plan your trip to the Philippines, it’s crucial not to overlook the importance of travel insurance . With the variety of risks involved in traveling, having travel insurance coverage provides the peace of mind and financial security you need. Whether it’s protecting against trip cancellations, medical emergencies, or loss of belongings, the right travel insurance plan can ensure a worry-free and enjoyable experience in the beautiful Philippines.

Before embarking on your journey, take the time to compare travel insurance options in the Philippines. By comparing coverage and rates, you can find the best travel insurance plan that suits your specific needs and budget. Don’t leave home without the necessary travel insurance protection. It’s better to be prepared and have the reassurance that you’re covered in case of unforeseen events.

When it comes to finding the best travel insurance in the Philippines , make sure to consider the reputable providers available. Look for comprehensive coverage, flexible policies, and reliable customer support. Prioritize your safety and well-being by choosing the travel insurance that offers the right coverage for your trip to the Philippines. Remember, accidents and unexpected situations can happen anytime, so it’s always better to be prepared with the right travel insurance coverage.

Why is travel insurance essential for a trip to the Philippines?

Travel insurance is crucial for a trip to the Philippines because the country is prone to natural disasters, and medical emergencies may require evacuation. It protects you from unexpected events and ensures a worry-free trip.

What does trip cancellation insurance cover?

Trip cancellation insurance covers the cost of trip deposits if you need to cancel your travel plans due to covered reasons such as illness, injury, or severe weather conditions. It provides financial protection for canceled trips to the Philippines.

Why is trip delay insurance important?

Trip delay insurance provides coverage for additional costs incurred due to flight delays, bad weather, or other unforeseen events. It ensures a comfortable travel experience even when facing unexpected situations during your trip to the Philippines.

What does trip interruption insurance cover?

Trip interruption insurance covers the cost of rebooking last-minute flights and reimburses you for unused, prepaid trip expenses if you need to end your trip prematurely due to unexpected emergencies. It offers protection and peace of mind when traveling in the Philippines.

What is travel medical insurance?

Travel medical insurance provides coverage for medical-related expenses, such as hospital bills and emergency medical treatments, during your trip. It is especially important when traveling to a foreign country like the Philippines to ensure you receive necessary medical care.

What is medical evacuation insurance?

Medical evacuation insurance covers the cost of transporting you to the nearest suitable medical facility in case of a severe injury or illness. It is crucial for travelers venturing to remote areas in the Philippines where accessing medical facilities can be challenging.

How does gear theft protection work?

Gear theft protection reimburses you for lost or stolen items during your trip, replacing them or covering the cost of rental equipment if necessary. It is an important coverage to consider, especially when traveling to the Philippines where the risk of losing or having belongings stolen can be present.

What are travel insurance assistance services?

Travel insurance assistance services provide convenient support during your trip, including live translation , booking alternative accommodations, and coordinating with airlines for lost baggage. They help make your travel experience in the Philippines more convenient and worry-free.

Does travel insurance cover rental cars in the Philippines?

Some travel insurance companies offer rental car protection as part of their plans, providing peace of mind on the road when you plan to rent a car in the Philippines. It is important to check with your car insurance provider and consider purchasing comprehensive travel insurance that includes rental car protection.

Source Links

• https://www.forbes.com/advisor/travel-insurance/destinations/philippines-trip/
• https://www.marketwatch.com/guides/insurance-services/travel-insurance-philippines/
• https://www.allianztravelinsurance.com/travel/international/do-i-need-travel-insurance-for-the-philippines.htm

Hello! I'm Wise, a Filipina with a deep love for my country and a passion for sharing its beauty with the world. As a writer, blogger, and videographer, I capture the essence of the Philippines through my eyes, hoping to give foreign visitors a true taste of what makes these islands so special.

From the vibrant streets of Manila to the tranquil beaches of Palawan, my journey is about uncovering the hidden gems and everyday wonders that define the Filipino spirit. My articles and blogs are not just travel guides; they are invitations to explore, to feel, and to fall in love with the Philippines, just as I have.

Through my videos, I strive to bring the sights, sounds, and stories of my homeland to life. Whether it's the local cuisine, the colorful festivals, or the warm smiles of the people, I aim to prepare visitors for an authentic experience.

For those seeking more than just a vacation, the Philippines can be a place of discovery and, perhaps, even love. My goal is to be your guide, not just to the places you'll visit, but to the experiences and connections that await in this beautiful corner of the world. Welcome to the Philippines, through my eyes. Let's explore together!

You may also like

Golden Phoenix Hotel Manila – Experience Luxury and Comfort in the Heart of Manila

Astoria Boracay: A Luxury Beachfront Stay with Top-Rated Amenities

Crimson Hotel Filinvest City Manila: A Luxurious Escape in the Heart of Manila

Add comment, cancel reply.

Your email address will not be published. Required fields are marked *

Save my name, email, and website in this browser for the next time I comment.

Want Flight, Hotel, and Restaurant Discounts for Your Philippines Trip? Join Below!

Email address:

Buy Me a Coffee

COVID-19 pandemic and travel insurance policies in the Philippines Learn more

Travel Insurance from the Philippines to anywhere

Not sure which travel insurance to get send us a message through the contact us page..

Enter your age or date of birth

Departure from Philippines

Arrival to Philippines

Group plans are valid for multiple travelers who have the same travel date/s and destinations.

Family plans are valid for legal spouses and their children 17 years old and below, who have the same travel dates and destination/s.

6 Benefits of Travel Insurance

Why buy travel insurance.

Travel insurance protects travelers from risks that can be financially devastating . When an unfortunate event strikes, having travel insurance with the right cover will help you get back on your feet. A travel insurance policy provides people peace of mind while exploring the world. In this way, the only thing to worry about is how to enjoy the journey!

Protection for your hard-earned savings against medical expenses abroad

Travel inconvenience benefits help you brush-off those travel hassles, medical evacuation cover protects your hard-earned savings in case of huge medical transportation costs, personal accident benefits help you move forward from a tragic trip, protection for your travel expenses paid in advance, assistance hotline that works as your concierge to assist you in solving your travel challenges and emergencies.

Travel Insurance Purchase Experiences

Customer review and feedback, i needed a travel insurance that covers covid in schengen countries and this is the only company that i found here in manila that could help me. they were very clear, informative and have answered all my concerns. efficient and quick to respond to all of my queries. thank you for assisting me. definitely recommending them, elpee aberin-andersen, september 2020, highly recommended super fast reply thank you, grace rosacena, september 2020, highly recommended customer service is excellent and very polite service is top most i've been using it for a year and been pleased with the service all the time, krishna quinto short, october 2020, highly recommended for travel and health insurance, evelyn avila, october 2020, they were very patient to answer my queries. the transaction was smooth and fast. i commend the staff for the prompt response., jen alberto, november 2020, thank you for assisting me. i'm so impressed with your service. i would love to do business with your travel insurance again., julie avila, january 2021, fast, reliable. they were very patient with me., princess lopez, may 2021, i was having a hard time looking for an affordable travel insurance that covers covid-19. luckily, i found travelinsurance.com.ph . got my insurance in less than 3 days i think. they were very accommodating to all my requests and questions. highly recommended to everyone, shayne agonia, august 2021, excellent, reliable, fast reply and very accommodating. highly recommended thank you for assisting and answering all my queries thanks. god bless., reia mariz paglinawan, august 2021, thank you so much for the fast and hassle free transaction.😊 they would even reply to my queries beyond office hours. would definitely recommend this to everyone.👍🏻 god bless, sam santiago-umandap, september 2021, i am happy with their service. i just inquired through their website. after 5 minutes they got back to me and the process is really smooth and quick. payment is being done online as well. hassle free. i also got our policies in 15 minutes i am recommending them to my friends who are travelling abroad. kudos to you guys 😀, janice de ramos, october 2021, it was an absolute pleasure dealing with travelinsurance.com.ph. i needed an insurance policy with covid cover for an upcoming trip to north america and julian was very professional and quick to respond to my inquiries. highly recommended, jb macatulad, november 2021, thank you for answering my queries re travel insurance with covid-19 coverage., frances evangelista, january 2022, legit, hassle-free and affordable travel insurance. thanks for your patience and assistance. indeed very commendable service, cole habaradas, may 2022, i needed to get insurance asap. i emailed several insurance companies for quotes, but only julian and his team responded. the requirements were explained clearly and the whole process was quick. i appreciate how they would reply to all my questions fast and with additional explanations. if you need to get insurance without the lengthy list of documents to send or multiple hoops to go through, give them a call. thank you to julian and his team, jen figueroa sacro, may 2022, i accidentally came across this website in 2022 while frantically searching for travel insurance. sharing personal information is no joke, so i wanted to speak with a human before randomly filling out a form. i've found other sites, too, but they did not have any contact information. as a customer, i always look for efficient and top-notch service. once i got hold of them through their social media platforms, the rest is history. the team was very responsive, answering all my questions immediately, which to me was five stars. in around two days, i got my insurance policy. i'm impressed i returned for a second time and still got the same experience. i'm a repeat customer who will likely come back again for my next trip hats off to the team, and as i've told them, i'm glad i found their website, as they made the entire process hassle-free. thank you, and keep doing what you do ☺️, teresa, march 2023.

Planning a Europe trip?

Travel medical insurance for schengen visa.

Schengen travel insurance should have at least 30,000 euros medical coverage and has the ability to provide cash-less in-patient medical expenses if hospitalized within the Schengen area. In addition to that, the insurer should be accredited to the embassies.

For Frequent Travelers

Get an annual travel insurance policy.

Do you have a number of international travels within a span of one year? An annual or multi-trip travel insurance plan is best for you.

Convenience of being covered for a one-year period.

Because there is no need to apply for single-trip insurance policies every time you have booked a trip, Having an Annual Multi-Trip policy prevents you from failing to remember to purchase travel insurance. This ensures you are protected for all your international travels. Simply proceed with your travel and you are covered!

More affordable

If you have at least 4 international travels in a span of one-year, an annual multi-trip travel insurance plan could be more efficient for you. It is renewable annually so you can review if you need an annual policy each year. Also, more often than not, it can comply for visa requirements, including Schengen.

Value-packed for frequent travelers

Annual travel insurance policies are best for frequent travelers. Annual policies can offer relatively higher benefit limits than those of single-trip policies, making jet-setters adequately covered for any type of international travel.

Updates for Travelers from Philippines

Travel, destinations and relevant insurance information you might be interested in

Travel Insurance Info

Annual travel insurance - a guide for tourists from the philippines.

Annual travel insurance are designed for frequent travelers, whether for business trips or holiday tours

Travel Tips

Schengen visa application: 5 major steps for employed filipinos.

What is Travel Insurance?

Is travel insurance worth it for Filipinos?

Subscribe to our newsletter, get updated with the latest news.

(02) 71215562 [email protected]

Park Triangle Corporate Plaza, 32nd Street corner 11th Avenue, Lane R, Bonifacio Global City, Taguig, Metro Manila, Philippines Booking required for in-office travel insurance purchases.

Affiliate Insurance Providers

• Best Extended Auto Warranty
• Best Used Car Warranty
• Best Car Warranty Companies
• CarShield Reviews
• Best Auto Loan Rates
• Average Auto Loan Interest Rates
• Best Auto Refinance Rates
• Bad Credit Auto Loans
• Best Auto Shipping Companies
• How To Ship a Car
• Car Shipping Cost Calculator
• Montway Auto Transport Reviews
• Best Car Buying Apps
• Best Websites To Sell Your Car Online
• CarMax Review
• Carvana Reviews
• Best LLC Service
• Best Registered Agent Service
• Best Trademark Service
• Best Online Legal Services
• Best CRMs for Small Business
• Best CRM Software
• Best CRM for Real Estate
• Best Marketing CRM
• Best CRM for Sales
• Best Payroll Services
• Best HR Software
• Best HR Outsourcing Services
• Best HRIS Software
• Best Performance Management Software
• Best Personal Loans
• Best Fast Personal Loans
• Best Debt Consolidation Loans
• Best Personal Loans for Bad Credit
• Best Home Equity Loan Rates
• Best Home Equity Loans
• What Is a HELOC?
• HELOC vs. Home Equity Loan
• Best Free Checking Accounts
• Best High-Yield Savings Accounts
• Bank Account Bonuses
• Checking Accounts
• Savings Accounts
• Money Market Accounts
• Best CD Rates
• Citibank CD Rates
• Synchrony Bank CD Rates
• Chase CD Rates
• Capital One CD Rates
• Best Hearing Aids
• Best OTC Hearing Aids
• Most Affordable Hearing Aids
• Eargo Hearing Aids Review
• Best Medical Alert Systems
• Best Medical Alert Watches
• Best Medical Alert Necklaces
• Are Medical Alert Systems Covered by Insurance?
• Best Online Therapy
• Best Online Therapy Platforms That Take Insurance
• Best Online Psychiatrist Platforms
• BetterHelp Review
• Best Mattress
• Best Mattress for Side Sleepers
• Best Mattress for Back Pain
• Best Adjustable Beds
• Best Home Warranty Companies
• American Home Shield Review
• First American Home Warranty Review
• Best Home Appliance Insurance
• Best Moving Companies
• Best Interstate Moving Companies
• Best Long-Distance Moving Companies
• Cheap Moving Companies
• Best Window Replacement Companies
• Best Gutter Guards
• Gutter Installation Costs
• Best Window Brands
• Best Solar Companies
• Best Solar Panels
• How Much Do Solar Panels Cost?
• Solar Calculator
• Best Car Insurance Companies
• Cheapest Car Insurance Companies
• Best Car Insurance for New Drivers
• Same-day Car Insurance
• Best Pet Insurance
• Pet Insurance Cost
• Cheapest Pet Insurance
• Pet Wellness Plans
• Best Life Insurance
• Best Term Life Insurance
• Best Whole Life Insurance
• Term vs. Whole Life Insurance
• Best Travel Insurance Companies
• Best Homeowners Insurance Companies
• Best Renters Insurance Companies
• Best Motorcycle Insurance

Partner content:  This content was created by a business partner of Dow Jones, independent of the MarketWatch newsroom. Links in this article may result in us earning a commission.  Learn More

Travel Insurance For A Trip To The Philippines (2024)

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

in under 2 minutes

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

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

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

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

Do I Need Travel Insurance To Visit The Philippines?

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

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

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

Compare Philippines Travel Insurance Companies

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

Why Trust MarketWatch Guides

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

Companies Reviewed

Quotes Collected

Rating Factors

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 preexisting medical condition, you may need to purchase a waiver to ensure your plan will cover it. Not all plans will cover preexisting 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.

To give you a general idea of what to expect, we obtained quotes from three companies for two different trip scenarios. For each plan, the trip cancellation coverage equals the trip cost, which is $2,000 for the first scenario and $5,000 for the second.

Quotes listed below were collected from each company’s respective website in December 2022 and assume June 2023 travel dates for a Virginia resident.

Trip 1: 27-year-old traveler, $2,000 trip cost, 7-day trip length

Trip 2: 45-year-old traveler, $5,000 trip cost, 14-day trip length, 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
• Premier Travel Insurance Companies
• Outstanding Homeowners Insurance Providers
• Top Renters Insurance Firms
• Budget-friendly Renters Insurance Providers
• National Term Life Insurance Providers
• Cost-effective Homeowners Insurance Companies

Related Articles:

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.  

AXA already looks after millions of people around the world

With our travel insurance we can take great care of you too

Get AXA Travel Insurance and travel worry free!

Travel Assistance Wherever, Whenever

Speak with one of our licensed representatives or our 24/7 multilingual insurance advisors to find the coverage you need for your next trip.

A Comparison of Travel Insurance Companies in the Philippines

• Post author: Glen Nomad
• Post comments: 0 Comments
• Post last modified: June 12, 2023

Two years ago, I lost my luggage when I flew from Manila to Kuala Lumpur . I was attending a familiarization tour in Malaysia and it was the worst travel nightmare I’ve had. Imagine, I didn’t have anything but a pair of socks, a few undies and a shirt and a short in my backpack and our itinerary was to go to remote villages in Perak , Malaysia . I thought I would get it in a day or two so I didn’t buy anything in Kuala Lumpur but unfortunately, it did not arrive. To make the long story short, my baggage was lost and it was only found when I was about to fly back to the Philippines.

To be fair with the airline, I was reimbursed for the expenses I incurred in buying personal effects and I was paid based on the coverage stated by the Philippine law when it comes to lost baggage. If only I got travel insurance, it could have been a lot better.

Well, that was the turning point when I told myself that I should get travel insurance whenever I go out of the country. I don’t want to be in that situation again and not covered by insurance. Plus, I don’t want to burden my family if something happens to me while I am away. At least I am covered if I get hospitalized or get financial assistance if I need to cut short my vacation due to an emergency at home.

How to get travel insurance in the Philippines?

Getting travel insurance in the Philippines is quite easy. There are lots of companies that offer travel insurance no matter how short or long you will be gone. You don’t have to physically go to their offices as most of them offer online services for your convenience.

Here’s a list of some of the popular companies in the Philippines that offer travel insurance.

SafetyWing Insurance

Website: SafetyWing Insurance

SafetyWing Insurance is designed to meet the medical and travel needs faced by Digital Nomads, regular travelers, and other remote workers while they are outside of their home country. With SafetyWing, you can get covered for a few days, a month or more at very affordable rates. They have a number of accredited hospitals around the world where you can get emergency treatments. If you travel to a country or city where SafetyWing does not have an accredited hospital, you can still go to any medical provider to get treatment. You can do reimbursement or if they allow direct billing to the insurance company, then you do not have to worry about your bill. Of course, provided that your treatment is covered by the insurance. You can checkout SafetyWing’s International Travel Medical Insurance to learn more about their services.

Pacific Cross

Website: http://www.pacificcross.com.ph Email: [email protected] Phone number: +63 2 899-800

Pacific Cross offers two types of travel insurance – Travelsafe Tripguard and Travelsafe Annual. The former is ideal if you are not traveling a lot in a year and the latter is perfect for those frequent travelers so you get coverage the whole year provided that your trip does not exceed 90 days every time you travel.

How much does it cost to buy a Pacific Cross Travelsafe Tripguard Insurance?

The cost basically depends on the number of days of your trip. To give you an idea of the cost, we have screenshot a sample computation for a 5, 10, 20 and 30 days trip.

The cost of Insurance for a 5-day vacation

Cost of Insurance for a 10-day vacation

20-day vacation Cost of Insurance

Cost of Insurance for 30-day vacation

As for the benefits, you can check the full coverage here . I normally buy their De Luxe Peso plan when I travel around Asia and Executive Dollar Plan for other continents.

Why choose Pacific Cross?

• Their premium is quite cheap.
• You pay for whatever days you travel. The premium is adjusted on a per day basis.
• Benefits and coverage are quite good, to be honest.
• The loss of travel document is covered.
• Trip cancellation and trip termination are covered. Very important if there is an emergency back home.

Cons: Loss of laptop and theft of cash are not covered.

Disclaimer: I have purchased their travel insurance but I never had any misfortunes, luckily, so I cannot tell you how’s the process of claiming the benefits. If you have an experience  with Pacific Cross, we want to hear your story. Let us know in the comment section below.

Malayan Insurance

Website: https://www.malayanonline.com/travelmaster/

Another travel insurance provider in the Philippines is Malayan Insurance. Unlike Pacific Cross, Malayan Insurance only offers one type of travel insurance with only one type of policy/premium. Their maximum benefit is only up to Php1,000,000. To view their full coverage and benefits, you can check here .

Cost of Travel Insurance with Malayan Insurance

The cost varies depending on how many days you will be traveling. Their computation is based on a period: 4, 8, 15, 24, 31, 45, 60, and 90 days.

Why choose Malayan Insurance?

• Their premium is cheap.
• Buy this if your travel period is within their limits so you will not pay for more as they do not compute on a per day basis, unlike the Pacific Cross.
• Trip cancellation and trip termination are covered.
• Loss of cash and loss of laptop are covered but with very minimal value. Php5,000 and 10,000 respectively.

Cons: Only one type of premium and the maximum benefit is only Php1,000,000. Also, not a good choice if you travel outside their specific period of coverage like if you travel for 5 or 10 days, you will have to get their 8 and 15 days insurance. In short, you pay for more than your intended stay.

Disclaimer: Again, I have purchased a travel insurance from Malayan but I never tried claiming for benefits.

BPI Insurance

Website: BPI Travel Care Insurance

Bank of the Philippine Islands (BPI) offers three types of Travel Insurance premium as part of its non-life insurance, classified into Gold, Diamond, and Platinum. They also offer a separate package (more expensive) if you travel to Europe. To check the detailed benefits and coverage, click here .

Cost of travel insurance with BPI Travel Care Insurance

Like Malayan Insurance, you pay per covered duration: 1-4 days, 5-7 days, 8-14 days, 15-21 days, and 30 days.

Cost of Non Schengen Package

Cost of Schengen Package

Why choose BPI Insurance?

I honestly don’t know. Based on the amount of premium and coverage, I’d choose Malayan or Pacific Cross. Also, their coverage for repatriation is with a limited amount. I never tried purchasing travel insurance with them.

World Nomads Insurance

Website: World Nomads

If you want a wider coverage and is willing to pay more, World Nomads may be the right travel insurance for you. It’s a trusted brand and based on reviews, it’s one of the best in the industry.

Their standard plan is roughly around Php4,000 for a two-week travel.

For a detailed premium and coverage, you may enter you details below and get a quote.

Why get a Travel Insurance?

You don’t know what the future holds and who knows what will happen on your next trip. You might lose your passport, your luggage or you might meet an accident. These are some of the possible scenarios that can happen while you are on a holiday. With a travel insurance, you will be able to get financial assistance when these emergencies occur while traveling.

Some of the benefits you can avail when you have travel insurance:

• Emergency Accident & Sickness Medical Expenses Reimbursement
• Emergency Repatriation and Evacuation Assistance
• Recovery of travel expenses during emergency trip cancellation and trip termination.
• Travel Benefits and compensation if you lose your travel documents, laptop, luggage, or if you encounter flight delays and cancellation.
• Coverage for loss of life.

So, the next time you travel abroad, make sure you are covered!

FOLLOW US ON INSTAGRAM

Escapemanila.

Glen Nomad is a travel blogger and the founder of Escape Manila, one of the top travel blogs in the Philippines. He has visited all 82 provinces in the Philippines and has explored 53 countries across Asia, North & South America, East Africa, Europe, and Australia. Follow him on IG at @escapemanila

Leave a Reply Cancel reply

You must be logged in to post a comment.

• Best Travel Apps
• Bus & Ferry Tickets
• Cheap Flights

Privacy Overview

Travel worry-free for as low as ₱136 and get covered up to ₱100,000 for any domestic destination!

Travel Insurance with optional Covid-19 Coverage now available!

Travel Insurance Plan

Designed to protect you against unforeseen events while travelling., at a glance.

Travel Assistance Plan is designed to protect you against unforeseen events while travelling. It protects you against flight cancellation, medical emergency, emergency accommodations or vehicle accidents.

Eligibility and Coverage

●   Individuals and families from 0 to 80 years old may avail.

● Additional Covid Coverage for individuals and families ages 0-65 years old available for International Travel only.

● Coverage will start 24 hours before the date of departure and 24 hours after arrival date.

Calculate Your Premium

Total Premium:

Flight Assistance Benefit

Flight Delay

covers the expenses for meals, tours and accommodation in the event the trip is delayed at least six(6) hours.

Trip Cancellation

covers to pay the unused and non-refundable portion of travel, accommodation expenses and tours in case that the insured can no longer proceed with the trip due to unforeseen events indicated in the policy.

Missed Connecting Flight

covers the reimbursement of the expenses incurred due to acts of nature or intervention by the Authorities up to the limit indicated in the policy during the trip.

Baggage Delay

covers the expenses for the purchases of the basic clothing and toiletries in case of the delay of the luggage during the trip minimum of six(6) hours.

Baggage Loss / Damage Airline and other items in safekeeping of a common carrier

covers for loss, stolen or damaged baggage of the insured incurred during the trip indicated in the plan.

Loss of Travel Documents

covers the cost to replace the new Passport or documents as well as the accommodation expenses indicated in the policy.

Trip Curtailment

covers the expenses of the unused portion of the tour or accommodation if the trip needs to be terminated due to the unavoidable events indicated in the policy.

Aircraft Hijack

covers to pay the insured to the delay or interruption (minimum of 12 hours waiting period maximum 10 days as a result of aircraft hijacking.

Medical Assistance Benefit

Hospital Income

covers to pay the assured of a fixed amount indicated in the plan for each day of confinement minimum of 18 hours.

Medical and Hospitalization Expenses

including follow-up treatment covers the payment of hospital expenses in case of medical emergencies during the trip up to the limit indicated in the policy.

Delivery of Medicines

covers the delivery of the medicines prescribed urgently by a doctor to the insured during the trip.

Emergency and Accidental Dental Expenses

covers the necessary emergency dental treatment of the insured during the trip.

Repatriation of Mortal Remains

covers the necessary arrangements for the insured's transport or repatriation of mortal remains to the usual country of residence during the trip in case of death.

Arrangement for Funeral Assistance

provides financial assistance for funeral expenses of the insured's family due to insured's death caused by accident up to the limit indicated in the policy.

Medical Evacuation or Repatriation

covers to pay the transfer or repatriation of the insured to a properly equipped health center or to his/her usual place of residence.

Compassionate Visit

covers the expenses for the transfer of a person chosen by the insured from the usual country of residence in the event that the insured is hospitalized as an in-patient for more than five(5) consecutive days as a result of injury or sickness during the period of the trip.

Other Benefits

Assistance of bail bond payment.

It covers to advance funds on behalf of the insured up to the policy limit.

Personal Liability

It covers the damages and expenses incurred by the insured for bodily injury and property to third parties.

Personal Accident and Disablement

It covers any accidental injuries or death suffered by the insured during the travel.

Child Guard

It covers the expenses for the economy round trip transfer of one immediate family member, having the same country of residence as the insured, to look after the minor during the trip should the insured be hospitalized for more than five (5) consecutive days or is deceased, and accompanied by a minor during the event and if no adult accompanies said minor.

Advance of Money

It covers the assistance to arrange to forward cash up to the limit indicated in the plan in the event of the robbery, loss or stolen of cash or credit cards and accidents.

View Your Policy

Subscribe to our newsletter, join our mailing list to receive latest news and updates., terms of use, privacy policy, customer security, fund price and statistics, head office, 2/f & 3/f morning star center 347 sen. gil j. puyat avenue 1200 makati city philippines, +63 2 8890 1758 +63 2 8895 8519 / 8895 8524.

Policy Viewer

Policy Number

Passenger's name, departure date, return date.

Date of Birth

Contact number, email address, nationality, tin/sss/gsis, passport number, hazardous sports, cruise ship, chartered plane.

Your password already expired. Please change your password

In view of the ongoing large-scale demonstrations in Hong Kong , please be advised that wars, with or without prior declaration, and any conflicts or international interventions using force or duress, events arising from terrorism, mutiny or crowd disturbances as well as damage caused during the course of strikes are not covered under our Travel Assistance Plan ( Asia and Worldwide ).

• Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
• Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
• Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
• Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
• Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
• Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
• Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
• Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus
• Credit Card by Issuer Best Chase Credit Cards Best American Express Credit Cards Best Bank of America Credit Cards Best Visa Credit Cards
• Credit Score Best Credit Monitoring Services Best Identity Theft Protection
• CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
• Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
• Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
• Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
• Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
• Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
• Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
• Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
• Retirement Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
• Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
• Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
• HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
• Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
• More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
• Manage Topics
• Investigations
• Visual Explainers
• Newsletters
• Abortion news
• Coronavirus
• Climate Change
• Vertical Storytelling
• Corrections Policy
• College Football
• High School Sports
• H.S. Sports Awards
• Sports Betting
• College Basketball (M)
• College Basketball (W)
• For The Win
• Sports Pulse
• Weekly Pulse
• Buy Tickets
• Sports Seriously
• Sports+ States
• Celebrities
• Entertainment This!
• Celebrity Deaths
• American Influencer Awards
• Women of the Century
• Problem Solved
• Personal Finance
• Small Business
• Consumer Recalls
• Video Games
• Product Reviews
• Destinations
• Airline News
• Experience America
• Today's Debate
• Suzette Hackney
• Policing the USA
• Meet the Editorial Board
• How to Submit Content
• Hidden Common Ground
• Race in America

Personal Loans

Best Personal Loans

Auto Insurance

Best Auto Insurance

Best High-Yields Savings Accounts

CREDIT CARDS

Best Credit Cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

• path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
• path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

10 worst US airports for flight cancellations this week

Travel Insurance Heidi Gollub

10 worst US airports for flight cancellations last week

Average flight costs: Travel, airfare and flight statistics 2024

Travel Insurance Timothy Moore

John Hancock travel insurance review 2024

Travel Insurance Jennifer Simonson

HTH Worldwide travel insurance review 2024

Airfare at major airports is up 29% since 2021

USI Affinity travel insurance review 2024

Trawick International travel insurance review 2024

Travel insurance for Canada

Travel Insurance Mandy Sleight

Travelex travel insurance review 2024

Best travel insurance companies of April 2024

Travel Insurance Amy Fontinelle

Best travel insurance for a Disney World vacation in 2024

World Nomads travel insurance review 2024

Outlook for travel insurance in 2024

Survey: Nearly 85% of Americans avoid family over the holidays

Travel Insurance Kara McGinley

Traveling From the Philippines to the US? Here Are 3 Health Insurances to Know in 2023

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.

Whether you're travelling to the USA to visit friends or family there, for business, or just as a tourist eager to see the famous Times Square, Grand Canyon, or Golden Gate Park, before arriving from the Philippines, it's crucial to consider your travel insurance options And while traveling to the US can be an accessible, it's worth remembering that out-the-pocket healthcare costs are the most expensive in the world, so it's not just a good idea, but essential, to arrive in the country with travel health insurance under your belt.

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

US Insurance Profile

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

Best Travel Insurances for the US

• 01. Should I get travel insurance for the US? 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 from the Philippines to the US scroll down

Is Travel Insurance Mandatory From the Philippines to the US?

No, travel insurance is not mandatory for travel to, or through, the United States of America from 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 US 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 USA from 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 visitors from the Philippines traveling to the USA. It lets you choose between various plans tailored to meet the specific needs of your trip to the US, including coverage for emergencies, doctor's visits, and other medical-related expenses. 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 US:

• 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 /person /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 good travel insurance provider for the US, especially if you're adventurous or frequently on the go and are looking for solid trip insurance from the Philippines 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 /person /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 young people or digital nomads from the Philippines because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind in the USA 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 /person /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term traveling

Compare For Yourself

In this post, we explored three travel insurance providers you should consider for your next trip to the US from the Philippines. That being said, there are many more providers out there, some of which might make even more sense for you depending on your travel needs and preferences. To compare the top providers on the market, run a search on Monto's travel insurance comparison engine below 👇

Find travel insurance for you:

How do they compare.

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

Data correct as of 14/02/2023

FAQ About Travel Insurance from the Philippines to the US

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, travel insurance is not mandatory for travel to the USA. However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel to the US. 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.

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 visitors 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 traveling (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 insured, 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 tourists.

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:

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

Monito is trusted by 15+ million users across the globe.

Monito's experts spend hours researching and testing services so that you don't have to.

Our recommendations are always unbiased and independent.