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10 Best Travel Insurance Companies & Plans in the Philippines

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

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

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

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

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

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

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

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

His travel insurance paid for all medical expenses.

Who was the guy? Dunno, really.

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

The lesson?

Don’t touch ‘em monkeys.

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

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

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

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

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

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

What is a Travel Insurance?

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

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

How Travel Insurance works?

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

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

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

Yes—if you have travel insurance.

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

What does a Travel Insurance cover?

Travel insurance can reimburse you on the following expenses:

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

Related: 40+ Ways to Save Money while Traveling

Types of Travel Insurance in the Philippines

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

1. Vacation Plan Insurance

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

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

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

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

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

Related: Complete International Travel Checklist

2. Travel Medical Plan

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

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

• Medical Expenses
• Emergency Evacuations

Related: Easiest Countries to Get a Citizenship

Why do you need Travel Insurance?

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

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

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

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

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

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

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

How much does Travel Insurance cost in the Philippines?

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

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

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

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

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

Price range: Anywhere from Php 400 to Php 800

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

Price range: Anywhere from Php 500 to Php 3000

Best Travel Insurance Companies for Filipinos Traveling Abroad

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

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

1. World Nomads

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

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

Policy coverage:

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

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

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

2. AXA iON – Smart Traveler

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

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

Policy Coverage:

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

3. AIG Travel Guard

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

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

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

4. Fortune General

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

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

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

5. Pacific Cross

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

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

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

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

6. Malayan Travel Master

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

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

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

7. MAPFRE Philippines

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

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

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

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

8. FPG Insurance

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

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

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

9. Standard Insurance

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

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

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

10. Pioneer Insurance

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

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

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

5 Tips for Buying the Best Travel Insurance

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

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

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

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

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

Tip #2: Make sure it has sufficient medical coverage

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

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

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

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

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

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

What’s the deal?

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

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

Tip #4: Take advantage of your credit card perks

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

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

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

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

What’s not usually covered:

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

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

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

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

How to Claim your Travel Insurance

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

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

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

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

Required documents for claiming travel insurance due to trip cancellation:

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

In conclusion:

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

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

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

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

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

About Amiel Pineda

Amiel Pineda is the Head of Content at Grit PH.

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

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

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

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

Reader Interactions

February 10, 2019 at 1:04 pm

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

April 15, 2019 at 2:31 am

This is actually helpful, thanks.

May 22, 2019 at 12:42 pm

Medical insurance to use working abroad such as USA?

August 12, 2019 at 3:33 am

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

September 28, 2019 at 1:30 am

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

November 15, 2021 at 9:42 pm

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

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Travel Insurance 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, scenic 2-day treasure mountain rizal camping package with daranak falls side trip & 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.

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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, bohol chocolate hills countryside private tour with transfers & add-on loboc river cruise lunch, 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? 

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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 package to albay & sorsogon in bicol 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

Bohol panglao beginner-friendly scuba diving tour with equipment, instructor & snacks, 3-day budget diving coron palawan package at skylodge resort with discover scuba course & equipment, palawan coron wreck dive specialty course with guide, equipment, transfers & lunch.

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

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

See our popular Island Hopping Tours

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

Where to get travel insurance for Philippines vacation? 

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

See our popular Boracay Vacation Packages

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

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

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

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

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

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

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

Protect yourself while traveling in the Philippines by getting travel insurance

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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.

For your holidays in Philippines and abroad

Travel insurance for the philippines.

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

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

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

Our Suggested AXA Travel Protection Plan

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

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

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

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

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

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

How Does Travel Insurance for the Philippines Work?

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

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

Medical Benefits: 

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

Baggage Benefits: 

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

Pre-Departure Travel Benefits: 

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

Post-Departure Travel Benefits

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

Additional Optional Travel Benefits 

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

Do I Need Travel Insurance for the Philippines?

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

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

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

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

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

How Much Does Travel Insurance Cost for the Philippines?

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

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

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

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

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

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

AXA covers three types of medical expenses:  

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

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

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

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

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

Traveling with preexisting Medical Conditions? 

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

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

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

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

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

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

3.Do Americans need travel insurance in the Philippines?

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

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

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

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

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

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

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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.

Our top picks for the best philippines travel insurance

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

Seven Corners

Generali global assistance.

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

Best Rated Travel Insurance

Why we like it.

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

Best Value for Medical Emergencies

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

Best Value Travel Insurance

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

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

Do I need a visa to travel to the Philippines?

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

Do I need a passport to visit the Philippines?

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

COVID-19 requirements

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

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

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

Trip cancellation insurance

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

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

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

Trip delay insurance

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

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

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

Trip interruption insurance

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

Travel medical insurance

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

Medical evacuation insurance

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

Baggage insurance

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

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

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

Rental car coverage

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

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

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

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

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

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

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

We used these travel details for our quotes:

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

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

Example Where Plan Doesn’t Reimburse the Full Trip Cost

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

Example Where Plan Does Reimburse the Full Trip Cost

Several factors affect the cost of travel insurance:

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

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

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

Do I need travel insurance to visit the Philippines?

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

What does travel insurance cover in the Philippines?

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

How much is Philippines travel insurance?

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

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

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

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

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

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

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

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

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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!

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Choosing the Right Travel Insurance Company in the Philippines

The importance of travel insurance.

Traveling to different countries and experiencing new cultures is an exciting adventure that many people look forward to. However, it’s essential to be prepared for any unexpected situations that may arise during your trip. One way of ensuring you are prepared for such situations is by having travel insurance.

Travel insurance offers coverage against possible risks such as getting sick or injured during your trip, losing your luggage or personal belongings, and even trip cancellation or interruption. These risks can make your trip more expensive and stressful if you are not adequately covered.

Why it’s Important to Choose the Right Travel Insurance Company

Choosing the right travel insurance company can make or break your travel experience. Imagine getting into an accident during your trip, only to find out that your travel insurance doesn’t cover medical expenses in a foreign country. This could leave you with hefty medical bills and ruin any future trips you had planned.

It’s crucial to choose a reputable and reliable travel insurance company that provides comprehensive coverage at a reasonable price. With so many options available in the Philippines market, selecting the right one can be overwhelming.

It would help if you considered several factors before making a decision. One important factor is considering whether a particular policy suits your specific needs while keeping in mind potential risks associated with traveling—another critical consideration is customer service levels offered by different companies when it comes down to claiming compensation for losses incurred while on vacation.

Taking out travel insurance is not only important but also essential when traveling abroad. It’s equally crucial to choose the right policy that covers all eventualities without breaking the bank so you can have peace of mind while discovering new places around the world!

Top Travel Insurance Companies in the Philippines

Are you planning a trip to the Philippines ? If so, it’s important to choose the right travel insurance company that can provide you with comprehensive coverage during your travels. Here are some of the best travel insurance companies in the Philippines that you should consider for your next trip.

1. AXA Travel Insurance

AXA Philippines is one of the country’s largest and fastest-growing insurance companies, providing financial security to nearly 2 million people through group and individual life insurance, as well as general insurance products.

AXA has over 7,000 financial advisors in over 40 branches and over 900 financial executives in over 900 Metrobank and PSBank branches across the country.

• Enjoy round-the-clock travel and medical assistance anywhere.
• Covers medical expenses such as hospital costs, doctor’s professional fees, and more in case you suffer injury and/or illness during your trip.
• Enjoy the benefit of getting payouts on non-refundable expenses in case of trip cancellation and/or postponement.
• Get protection on your baggage in case of loss or damage.
• Get covered when you suffer death or permanent disablement due to an accident while on a trip.

Learn more…

2. Chubb Travel Insurance

Chubb is the largest publicly traded property and casualty insurer in the world. Chubb, which has operations in 54 countries, offers a wide range of clients commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance, and life insurance.

The company’s extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise, and global-local operations set it apart.

• Quality travel insurance at an affordable price
• Access to a global team of travel experts
• Fast, fair, and efficient handling of claims
• 24hours emergency assistance

3. Etiqa Travel Insurance

Etiqa is an international insurance company that operates primarily in Singapore , the Philippines , Indonesia, and Malaysia. It has an extensive network throughout the Philippines . Access a wide range of insurance products and services from anywhere in the country.

• Flight Assistance Benefit for Flight Delay, Trip Cancellation, Missed Connecting Flight, Baggage Delay, Baggage Loss / Damage Airline and other items in the safekeeping of a common carrier, Loss of Travel Documents, Trip Curtailment, and Aircraft Hijack.
• Medical Assistance Benefits such as Hospital Income, Medical and Hospitalization Expenses, Delivery of Medicines, Emergency and Accidental Dental Expenses, Repatriation of Mortal Remains, Arrangement for Funeral Assistance, Medical Evacuation or Repatriation, and Compassionate Visit.

4. Insure Shop by Pioneer

Pioneer’s InsureShop enables you to obtain insurance as soon as you need it. As Pioneer Insurance’s digital arm, InsureShop makes it simple and convenient for you to obtain affordable and dependable travel insurance, motorcycle insurance, and medical cash assistance anytime, anywhere.

• Medical treatment with (New!) COVID-19 coverage, personal accidents, emergency evacuation, and more
• Cash assistance for every 6 hours of delay on your travel
• Baggage delay, damage, and loss

5. Pacific Cross Travel Insurance

Pacific Cross is a market leader in medical, travel, health maintenance organization, and personal accident insurance. Pacific Cross is based in the Philippines and has sister companies in Thailand, Indonesia, and Vietnam.

It is part of a larger group of health insurance companies that operate throughout Asia, with a particular focus on the ASEAN region. The group’s goal is to be known as a market leader and Asian specialist in medical and travel insurance.

• 24/7 Worldwide Emergency Assistance
• Medical Coverage, including for COVID-19
• Cashless Medical Treatment for Hospital Confinement, Out-Patient, and Emergency Room
• Peso, Dollar, and Euro Plans
• Individual, Family, and Group Coverage
• Coverage for persons aged 15 days old to 76 years old and above
• Coverage for Inbound Travels with COVID-19 Coverage
• Coverage for baggage loss, loss of travel documents, flight delay, and much more

6. Malayan Insurance Travel Master

Malayan Insurance Co., founded in 1930, is a leading non-life insurance company in the Philippines . It provides clients and the general public with guaranteed peace of mind through service excellence, quality protection, and the prompt processing and settlement of valid claims.

• Personal Accident
• Emergency Medical Treatment
• Personal Liability
• Recovery of Travel Expenses
• Travel Inconvenience Benefits
• Travel Assistance Benefits
• Cashless Hospitalization

7. Standard Insurance Travel Protect

Standard Insurance is a non-life insurance company that protects you, your family, your assets, your business, and any potential liabilities. For the past 63 years, Standard Insurance has provided insurance protection.

Travel International

• Cashless Settlement
• Wide variety of benefits and coverages
• Up to  Php 2.5M  cover the medical expenses and personal accident benefits
• Provides coverage for accident-related claims and covered illness/sickness
• Applicable to individuals and groups of travelers
• Duly accredited by Embassies of all Schengen States
• Pay conveniently using your Credit card, debit card, and Gcash

Travel ASEAN

• Reimbursement type of settlement.
• Up to Php 500,000 limit on medical expense benefit.
• Provides coverage within the Philippines and to ASEAN countries.
• Discounted rates for group travelers.
• Premium payment convenience through credit cards and debit cards.

8. MAPFRE Travel Insurance

MAPFRE Insurance is a non-life insurance company that provides general insurance for financial security and risk management. The company offers fire and allied lines insurance, as well as motor vehicle, personal accident, casualty, liability, engineering, marine cargo, surety, and micro insurance.

MAPFRE Insurance, founded in 1934, is now ranked among the top ten non-life insurance companies in terms of earned premiums, net premiums written, and assets. The company is also among the best capitalized and most solvent in the country’s non-life insurance industry.

International Travel Assist Insurance

• Peso-denominated travel insurance provides protection and coverage for your trips within the Philippines with a maximum period of coverage of 90 days. No extension is allowed. Adults between 60 to 75 years old may be covered subject to a premium surcharge.

Domestic Travel Assist Insurance

• ​Dollar-denominated travel insurance provides protection and coverage for your trips around the world with a maximum period of coverage of up to 365 days or 1-year coverage. No extension is allowed. Adults between 60 to 75 years old may be covered subject to a premium surcharge with a maximum allowed number of 90 days only for all plans.

Benefits and Coverage Offered by Travel Insurance Companies

Medical expenses coverage.

One of the most important benefits of travel insurance is medical coverage. This type of coverage will provide you with financial protection in the event that you require medical attention while traveling.

Most travel insurance policies cover medical expenses such as doctor fees, hospitalization charges, and emergency medical treatment. Some policies may also cover pre-existing conditions, so be sure to check with your provider beforehand.

Trip Cancellation and Interruption Coverage

Trip cancellation and interruption coverage is another important benefit offered by many travel insurance companies. This type of coverage will reimburse you for any non-refundable expenses if your trip is cancelled or interrupted due to unforeseen circumstances such as illness, injury, or death in the family. Examples of covered expenses may include flights, hotel reservations, rental cars, and tour fees.

Emergency Medical Evacuation Coverage

Emergency medical evacuation coverage is particularly important if you plan on traveling to remote locations or participating in adventure sports. This type of coverage will provide financial protection for emergency transportation services should you require it. For example, if you are injured while hiking in a remote area and need to be airlifted to a hospital for treatment, your policy may cover these costs.

Baggage Loss or Delay Coverage

Losing your baggage or experiencing delays can be a frustrating experience when traveling. Fortunately, many travel insurance policies offer baggage loss or delay coverage to help ease the burden. This type of coverage typically reimburses you for any lost items or covers expenses associated with delayed bags such as purchasing new clothes or toiletries.

Coverage Limits

It’s important to note that there may be limits on the amount of coverage provided for each benefit listed above. For example, your policy may only cover up to a certain amount for medical expenses or baggage loss. It’s important to read the policy carefully and understand the limits of your coverage before purchasing.

Travel insurance can be a lifesaver when unexpected incidents occur while traveling. The benefits and coverage offered by travel insurance companies can vary widely, so it’s important to choose a policy that fits your needs and budget.

Be sure to research your options thoroughly and read reviews from previous customers before making a decision. With the right travel insurance policy in hand, you can embark on your travels with peace of mind knowing that you are protected.

Factors to Consider When Choosing a Travel Insurance Company

Choosing the right travel insurance company can be overwhelming, especially if you’re not familiar with the different factors that you need to consider. Here are some of the most important things to keep in mind when choosing a travel insurance company in the Philippines .

The price of a travel insurance policy is one of the most important factors that people consider when choosing a provider. While it’s tempting to only look at the cheapest options available, it’s important to remember that cheaper isn’t always better. It’s crucial to make sure that your policy provides enough coverage for your needs and budget.

You can compare prices from different providers by using an online comparison tool. Keep in mind that some providers offer discounts or promotions, so it’s worth taking the time to research and compare.

The amount of coverage provided by your policy is another essential factor when choosing a travel insurance company. Look for policies that provide adequate coverage limits for medical expenses, trip cancellations, emergency medical evacuations, and baggage loss or delay.

It’s also important to read through the fine print and understand what specific situations are covered under your policy. Some policies may exclude certain activities such as extreme sports or pre-existing conditions, while others may have higher deductibles or co-pays.

Customer Service

The level of customer service provided by your travel insurance company can make all the difference when you’re dealing with an emergency situation abroad. Look for companies that have 24/7 customer support and offer assistance in multiple languages. You can also read reviews from previous customers online to get an idea of how responsive a provider is when it comes to claims processing or addressing customer concerns.

Another important factor to consider is whether the company has a local representative in the Philippines who can assist you in case of an emergency. This can be especially helpful if you’re not familiar with the local healthcare system or need help navigating a difficult situation.

The Bottom Line

When choosing a travel insurance company, it’s important to consider more than just the price. Look for policies that provide adequate coverage for your needs, have good customer service, and offer peace of mind while you’re traveling.

Remember to read through the fine print and understand exactly what your policy covers and excludes. By doing your research and comparing different providers, you’ll be able to choose one that fits your needs and budget.

Tips for Buying Travel Insurance in the Philippines

Research thoroughly before purchasing.

When it comes to purchasing travel insurance, you want to make sure that you’re getting the best policy for your needs. Take some time to research different companies and their policies before making a final decision.

Look at their coverage options, prices, and customer reviews. Make sure you understand what is covered under each policy.

Some policies may have exclusions or limitations on certain types of activities or destinations . It’s important to know what is and isn’t covered so that you can choose the right policy for your trip.

Read Reviews from Previous Customers

One of the best ways to get an idea of how good a travel insurance company is is by reading reviews from previous customers. Search online for reviews on different travel insurance companies and read through them carefully.

Look for reviews from customers who have had similar experiences or trips to yours. If someone had a positive experience with a particular company, it’s usually a good sign that they will provide good service for your trip as well.

Choose a Policy that Fits Your Needs and Budget

When choosing a travel insurance policy in the Philippines , it’s important to find one that fits both your needs and budget. Consider factors such as trip duration, destination, activities planned, and any pre-existing medical conditions.

Make sure you’re not paying for coverage you don’t need or won’t use. It’s also important to consider the deductible amount – this is the amount you’ll have to pay out-of-pocket before your insurance kicks in.

Remember that cheaper isn’t always better when it comes to travel insurance. Make sure you’re getting adequate coverage at a price point that works for you.

Additional Tips:

– Look into any existing insurance coverage you may already have (such as through your credit card or employer) to see what’s already covered.

– Consider purchasing travel insurance as soon as you book your trip to ensure maximum coverage.

– Don’t be afraid to ask questions or clarify any concerns before purchasing a policy.

In conclusion, purchasing travel insurance is an essential part of planning any trip. The best travel insurance companies in the Philippines listed above offer comprehensive coverage and benefits that can protect you against unexpected events and give you peace of mind while traveling. As travel continues to evolve, it’s vital to stay protected and informed about the latest travel policies and regulations. We hope that this list of the best travel insurance companies in the Philippines will help you make an informed decision and provide you with the protection you need to enjoy your travels to the fullest. Remember, by investing in travel insurance, you’re not only protecting yourself but also your loved ones and your investment in your travel experience.

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Travel Insurance For A Trip To The Philippines (2024)

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

in under 2 minutes

with our comparison partner, Squaremouth

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

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

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

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

Do I Need Travel Insurance To Visit The Philippines?

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

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

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

Compare Philippines Travel Insurance Companies

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

Why Trust MarketWatch Guides

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

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

Rental Car Protection

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

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

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

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

Trip Cancellation Insurance

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

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

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

Flight Insurance

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

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

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

How Much Does Philippines Travel Insurance Cost?

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

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

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

How Do I Get Travel Insurance for a Philippines Vacation?

Follow these steps to purchase Philippines travel insurance:

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

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

The Philippines Travel and Safety Tips

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

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

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

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

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

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

Crime and Safety

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

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

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

Day Trips, Tours and Excursions

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

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

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

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

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

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

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

Frequently Asked Questions About Travel Insurance for The Philippines

Does philippine airlines require travel insurance.

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

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

How do you know if you need travel insurance?

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

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

Which travel insurance policies cover COVID-19?

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

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

How much is travel insurance?

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

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

Other Insurance Resources From MarketWatch Guides 

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

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If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

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The Best Travel Insurance in the Philippines, For Every Budget

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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.

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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.

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Home » Southeast Asia » Philippines » Travel Insurance

Guide To Philippines Travel Insurance – ALL You Need To Know

Comprising almost 8,000 islands, The Philippines is a vast archipelago that guarantees a unique travel experience. Peppered with dense jungles, pristine beaches, rocky islets, smoldering volcanoes, and vibrant tropical reefs, this is South East Asia at its finest. The Philippines knows how to put on a party, too; it’s somewhere to really let your hair down!

The Philippines is a destination we recommend all backpackers squeeze in at some point. It gives you a chance to see how varied the landscapes and cultures are across the islands. The Philippines has bloomed into a fabulous spot for a fancy holiday or honeymoon option, too. There are some remarkable eco-resorts and hotels to luxuriate in.

Talking about The Philippines sends shivers of adrenaline up our spines, it’s just that kind of place. But before we get onto the good stuff, today we have something particularly high-octane to chat about. Today, we’re going to tell you all about travel insurance in The Philippines!

Month to month payments, no lock-in contracts, and no itineraries required: that’s the exact kind of insurance digital nomads and long-term traveller types need. Cover yo’ pretty little self while you live the DREAM!

Do I Need Travel Insurance For The Philippines?

What should travel insurance in philippines cover, what is the best philippines travel insurance, how to choose the right philippines travel insurance for you, final thoughts on the philippines travel insurance.

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Travel insurance for visitors to The Philippines is not a mandatory entry requirement.  It may, therefore, be tempting to skip on the extra cost and save yourself some extra beer money, especially if you’re backpacking through the Philippines. However, do think carefully about that because things can and do go wrong for travelers the the ‘Pines.

As well as occasional volcanic activity & bouts of tropical illness, the Philippines does have a reputation for dangerous crime. Violent crime, civil unrest, piracy, and the risk of kidnappings are not unheard of in The Philippines. Most of the places you’re likely to visit are perfectly safe for tourists but bear this in mind if you’re planning on straying off the path.

Insurance is always down to the opinion of the traveler. But we would recommend that all backpackers and holidaymakers consider it regardless of whether you’re visiting a ‘safe’ country or a risky one. Particularly in The Philippines, which can be fairly unpredictable, travel insurance will give you peace of mind.

Need more convincing? Check out these other reasons why you should have travel insurance!

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Healthcare in The Philippines

As with most Asian countries, The Philippines operates both private and public healthcare facilities. Healthcare in major cities of The Philippines is of reasonable quality and is seeing vast improvements over recent years. The World Healthcare Organisation currently ranks Filipino healthcare at a modest #60 in the world.

Public hospitals and clinics are run by the government’s PhilHealth department and are free for citizens. The doctors are highly-trained but the technology isn’t always as high standard as at the private ones. The best hospitals in The Philippines are located in its capital and largest city, Manila. In more rural and rustic communities, the facilities might not be in quite the same shape. However, the doctors themselves have a reliable reputation.

The average cost of a Philippines doctor’s consultation is 500 PHP ($10 USD). Meanwhile, an emergency appointment will cost approximately 2,500 PHP ($50 USD). That same rate applies should you require one night’s stay in a hospital. So, it’s pretty affordable. However, if you require tests, treatment, and prescription medicine, your stay could get pricey. Also, the top-tier hospitals will have slightly more inflated prices.

If you do need to see a doctor in The Philippines, most healthcare establishments will require a downpayment paid upfront, prior to treatment. The rest will be paid (by yourself or travel insurance) before you’re discharged.

Crime in The Philippines

Certain areas and cities within The Philippines are shadowed by a reputation for crime. A couple of areas in The Philippines are out of bounds for travelers specifically Marawi City, Mindanao, and the Sulu Archipelago. The best insurance for your Philippines trip should cover the loss should anything unfortunate happen.

Every so often, a headline announcing a Philippines kidnapping situation makes the news. Usually, these happen in places which foreign governments advise against all travel to, such as Mindanao. Recent kidnappings in Manila have been linked to rising gambling debts , making it targeted rather than a random crime.  The Filipino “war on drugs” is commonly reported on, which sees Filipino President Duterte taking draconian measures to clamp down on illegal drugs.

Issues Facing Travellers in The Philippines

The main issue in The Philippines is deciding which of these adrenaline-packed, sensational islands to visit! Besides that, as we already touched on, natural disasters are an issue to take into account when considering insurance for holidays to The Philippines. The archipelago sits on the Ring of Fire, which is exactly where the majority of the world’s earthquakes and volcanoes take place! Typhoons are very common as well. Only last Christmas, the Typhoon Phanfone saw over 58,000 people evacuated.

As natural disasters cannot always be predicted, it’s wise to take out travel insurance in The Philippines that protects you against such happenings.

As with most places, these beautiful islands are not spared from wily pick-pocketers and opportunistic thieves. 1.8 million Filipinos (7.6% of the population) fell victim to theft in the second half of 2018. As you can imagine, tourists are sitting ducks – particularly in crowded areas. But, really, is there anywhere in the world where petty crime isn’t an issue?

Another issue is motorbikes. Many travelers hire scooters to explore the islands, which is one of the best ways to explore independently. But extreme care must be taken. Manila had an average of 86 motorcycle-related accidents per day in 2019, and fatal crashes are the 9th killer in The Philippines. Ensure your Philippines travel insurance covers you in the event of a crash and ensure you have the correct license to drive. Otherwise, your insurance may be deemed void.

Common Activities in The Philippines

You’ve got plenty to keep you on your toes in The Philippines! The biggest problem you’ll have is whittling down which activities you dabble with. Here are your big three:

• Scuba diving – With pristine reefs, vibrant coral gardens, and a huge diversity of marine life, scuba diving in The Philippines is phenomenal! Travel insurance for those visiting The Philippines usually covers you to a certain depth. Do check if you are an advanced diver. Remember, if you’re hopping around the islands by plane, don’t forget to factor in your surface interval.
• Motorbiking – Extremely common, and for good reason! Hiring a motorcycle is one of the best ways to find secret beaches and tourist-free landscapes. But do ensure you have the correct paperwork to cover you in the event of an accident. And wear your helmet – your Philippines travel insurance won’t cover you without one! You’re much more likely to survive in the event of a crash; 90% of fatalities are linked to riding without one.
• Hiking – The Philippines is blessed with some heart-pounding natural vistas. Chocolate hills, deep jungles, emerald rice terraces – that’s a whole lot of hiking. As many places you visit are pretty remote, in the event of a serious accident, an air ambulance might be required. Obviously, this is an extreme circumstance, but consider factoring in travel insurance that covers emergency evacuation in The Philippines – unless you have deeper pockets than us!

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

More often than not, the majority of Philippines travel insurance policies will include the following;

Emergency Accident & Sickness Medical Expenses

Luggage and personal property, emergency evacuation and repatriation, non-medical emergency evacuation, trip cancellation, trip interruption.

These are some key terms to look out for when you are comparing different insurance policies. Now, let’s take a closer look at each one of these to see what they actually mean!

Emergency Medical costs cover, is the most important aspects of most travel insurance policies. If you are involved in an accident or get very sick with a mystery illness, you want to rest easy knowing that any medical costs and hospital bills will be taken care of.

Many of you will have never seen a medical bill. Good. But let me tell you, they can get very expensive very easily. A friend of mine was once billed $10,000 in Costa Rica. Even 2 days in a Thai hospital cost him nearly $2,000.00 .

Pre-existing medical and health conditions may not be covered or maybe covered for an additional premium.

Ideally, Emergency Accident & Sickness Medical insurance should offer at least $100,000.00 of coverage. Some run into the millions.

Luggage and Personal Stuff coverage covers the value of your personal property. It’s most common application is for lost luggage and However, many policies also extend this to cover “on the ground” theft which comes in useful if you are robbed once you reach your destination.

The limits on this vary between policies. However, the maximum value rarely exceeds $1000 with a maximum item value between – $250 – $500.

This is ok for many travellers. However if you travel with a lot of electrical gear (laptop & camera), or are packing ski-ing gear, you may also wish to think about taking out a separate gadget cover.

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Emergency evacuation covers the cost of sending you back to your home country in a sickbed. Let’s say that the above-mentioned illness is a nasty one, and the decision is taken to send you home for further treatment; this will take care of the high costs of flying you home with tubes stuck into your arms.

Repatriation is the cost of sending your body home in the unlikely event that you die on your trip. The costs of this are usually very high. Repatriation costs are not a burden I would want to leave to my family. Whilst this is thankfully rare, I do sometimes come across Facebook or “Go Fund Me” campaigns for somebody’s body to be flown home.

Non-medical Emergency Evacuation is when you have to be evacuated from your destination because of some unexpected crisis.  Examples can be outbreaks of war/civil unrest and earthquakes that decimate infrastructure such as the Nepal earthquake.

In more recent times, the Corona COVID-19 outbreak created the biggest international emergency evacuation situation ever. (FYI – it straddled both the medical and non-medical evacuation boundaries).

Emergency evacuation insurance covers the costs of having to book a last-minute flight home ( which can be very expensive) and will also cover accommodation costs if you end up being flown to a random, “safe” country rather than going straight home.

Having to cancel a trip that you were psyched about is heartbreaking. However, then being left out of pocket just adds scurrilous insult to grievous injury. Trip Cancellation cover can help you recover the non-refundable costs of your trip such as flight and hotel costs.

Obviously, you can’t claim this simply because you changed your mind about the trip or broke up with your girlfriend. Legitimate cancellation reasons are things like sickness, family emergencies, bereavement, natural disaster and war – you get the gist.

Trip Interruption is when something goes wrong, or interrupts, your trip leaving you out of pocket. One example, when your pre-paid hotel burns down and you are forced to book another one. Another example is when your flight home is canceled and you need a few extra nights at your hotel.

Anything Else?

The above are what we consider to be the basic, bare-bones of travel insurance policies. However, some policies do offer a few more aspects to them. The very best Philippines travel insurance policies may also include the following;

Adventure Sports and Activities

Adventure sports and activities are not covered by all travel insurance policies. The definition of adventure sports and activities really does vary between providers but for example, can include;

• Martial Arts
• Bungee Jumping
• Scuba Diving
• Informal basketball games….

If you are even thinking about doing anything physical or outdoorsy on your trip, it is very wise to check that your insurance provider is in fact covering it. Snapped tendons tend to hurt plenty enough without having hefty medical bills attached to them.

Accidental Death and Dismemberment

This one is perhaps a bit macabre. It doesn’t cover any travel-related expenses as such but instead it basically provides you (or your next of kin) with monetary compensation in the event that something happens to you. If you die, your loved ones get a payout. Or, if you lose a toe or something, YOU get a payout.

It’s kind of like having a bit of life cover attached to your travel insurance.

“Well dear, I’m afraid there is good news and bad news. The bad news is that our beloved daughter little Jenny died on her trip to the Philippines. The good news is that we get $10k! The Philippines here WE come!”

Gear and Electronics Cover

Some insurance policies cover electronic gadgets but others do not. Those that do, sometimes charge an additional fee and they also usually limit the maximum item value. If you only travel with a phone or a tablet then your travel insurer may well cover it entirely. However, if like us if you are traveling with a  decent laptop and camera, then you may wish to consider obtaining gadget cover.

I have personally had separate gadget cover on my MacBook Pro for years.

A new country, a new contract, a new piece of plastic – booooring. Instead, buy an eSIM!

An eSIM works just like an app: you buy it, you download it, and BOOM! You’re connected the minute you land. It’s that easy.

Is your phone eSIM ready? Read about how e-Sims work or click below to see one of the top eSIM providers on the market and  ditch the plastic .

Whilst they may all seem the same, not all insurers are. Some insurers offer lower prices than others and others offer higher coverage amounts. Some are infamous for not paying claims whilst others are celebrated for being fair and helpful.

Travel insurers – always the same yet always different. It isn’t possible (or legal) for us to say that any one of them is the best, or is “better” than the others. No. Insurance is a very complex product and any policy takes into account a whole lot of data and a wide set of variables.

Remember that the “best” travel insurance always depends on where you are going, when you are going there and ultimately upon you and your needs. The best travel insurer for one trip, may not be the best for a different trip.

Below, we will introduce a few of the many travel insurance providers on offer. These are all firms we have used ourselves over the years.

SafetyWing are a relatively new player in the travel insurance space but are already making big waves. They specialise in cover for digital nomads and they offer open-ended cover on a monthly subscription basis. Because they primarily cover digital nomads, they don’t offer much in the way of trip cancellation or delay so do take that into consideration.

However, SafetyWing really excels on the health side of travel insurance, covering dental and some complementary treatments. In fact they even allow young children to be covered for free.

If cancellation and delay is not a concern for you or if you will be spending some considerable time on your trip, then maybe SafetyWing are right for you

• Emergency Accident & Sickness Medical Expenses – $250,000
• Baggage and Personal Property – $3000
• Emergency Evacuation and Repatriation – $100,000
• Non-Medical Emergency Evacuation – $10,000
• Trip Cancellation -$0
• Trip Interruption – $5000

If you need more information or want to get a quote, then you can visit the website for yourself.

World Nomads

Since 2002, World Nomads have been protecting, connecting and inspiring independent travelers. They offer simple and flexible travel insurance and safety advice to help you travel. If you leave home without travel insurance or your policy runs out, you can buy or extend while on the road.

World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.

The savvy fin-tech insurer Faye provides whole-trip travel coverage and care that brings out the best in each journey with industry-leading technology that enables smarter and smoother assistance with faster claims resolutions. Their excellent app-based travel insurance covers your health, your trip and your gear all via an app that provides real-time proactive solutions, quick reimbursements and 24/7 customer support.

If you ever do need to make a claim, then you simply log in to the app and the claim will be assessed super quickly from anywhere in the world! My friend made a claim and was able to manage everything directly on the app. She was even able to purchase ‘Cancel for Any Reason’ Insurance that allows you to quite literally cancel for any reason, and be refunded up to 75% of non-refundable bookings.

Best of all, if the claim is successful then the funds will be immediately credited to the smart wallet on your phone or device and ready for you to spend.

Columbus Direct

Named after one of history’s greatest (and most divisive explorers), Columbus Direct also specialise in insuring adventure-hungry explorers like us. They have been providing award-winning insurance for 30 years. What we like about this plan is that it does cover small amounts of personal cash. However, Gadget Cover is not available.

Columbus Direct actually offers a number of different travel insurance plans. Below we have focused on 1 of these and have set out the coverage amounts for the Globetrotter plan.

• Emergency Accident & Sickness Medical Expenses – $1,000,000
• Baggage and Personal Property – $750
• Emergency Evacuation and Repatriation – $1,000,000
• Non-Medical Emergency Evacuation – $0
• Trip Cancellation -$1,000
• Trip Interruption   (“Catastophe”)  – $750

Iati Seguros

Iati Seguros is a Spanish based travel insurance company that we have personally used and loved. You will notice that they provide competitive cover amounts for the key travel insurance areas, and are competitively priced. So far we have heard nothing but good things about them.

They also offer multiple ones, but we have focused on the Standard Plan although we wholly encourage checking out all plans for yourself to identify the best one for your needs.

Standard Plan

• Emergency Accident & Sickness Medical Expenses – $200,000
• Baggage and Personal Property – $1000
• Emergency Evacuation and Repatriation – 100% of cost
• Trip Cancellation -$1,500
• Trip Interruption  – 100% of cost

Insure My Equipment

Insuremyequipment.com does precisely what the name suggests. They are an online insurer for expensive equipment (like camera gear & gold clubs). You can use them to get specific pieces of gear insured but please bear in mind this policy is only for your specified gear.

An Insure My Equipment policy works well in combination with other travel insurance. Insure My Equipment policies are an excellent choice for professionals and backpackers with more $0000’s  worth of camera equipment, expensive laptops or fishing rods.

I also know a few traveling musicians and DJs who use these guys so you are in cool company.

Choosing the right travel insurance for your Philippines holiday is like choosing a pair of shoes. Only you can really say how well they fit, and how many miles you can manage in them.

To decide who the right insurer for you is, you need to add up how much your trip is worth, how much equipment you plan to take with you and what activities you intend to engage in.

You also need to ask yourself how much you can afford. This means how much you can afford to pay for cover but also how much you can afford to be out of pocket in the unlikely event of an incident. Sometimes, the cheapest Philippines travel insurance will be enough and sometimes it will be worth spending a bit more.

Hopefully the information provided in this post will help you to decide. If not, then I  guess I just wasted 7 hours of my life in writing it.

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And now, you can breathe a big sigh of relief! That’s a wrap on travel insurance in The Philippines. Hopefully, our guide has answered any burning questions you might have. Also, if you were thinking the nation is ‘dangerous,’ we hope our insight has put it all into perspective.

Don’t forget to check out the rest of our content on this Southeast Asian gem. We have guides on where to stay, awesome things to do, and the best islands to visit. Safe travels!

Aiden Freeborn

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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.

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Medical and Hospitalization Expenses

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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.

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How to Choose the Best Travel Insurance for Filipinos [With My Recommendations!]

So, do you really need travel insurance when you travel abroad even to Thailand or somewhere near the Philippines for only 3 or 4 days? Here’s my guide on choosing the best travel insurance for my fellow Filipinos.

If you can’t afford travel insurance then you should re-consider about going on trips. You can even get it for less than $1.5 or 100 Philippines pesos per day (read below and I’ll show you computation) ! You never know what will happen during your trip.

I was on a car accident in Pakistan that required hospital visits, surgery, medicine, wheelchair and last minute flights. After what happened to me, that accident cost more than $15,000 (almost 1 Million sa Pesos) in total (medical and non-medical expenses). Aside from the other expenses of hotels, canceling my upcoming trips and not being able to work.

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Thankfully, my insurance arranged the “guaranteed of payment” with the hospitals in Thailand and NHS UK so I didn’t have to spend any of our savings – they paid the hospitals directly (ang mahal ng hospital bills  ah!!) .

I will write another article on how I filed the claim, basically, my husband immediately called them after my accident and they asked for my guide or any local number I have so they can call me to coordinate. I only paid $100 for the hospital in Pakistan since they only did an Xray and temporary cast to help me with the swelling. Imagine, I had to drive for 24 hours after my accident from Hunza Valley to reach Islamabad. There were other hospitals in Gilgit but it means I’ll be stuck there on my own and I don’t think I’d want my surgery in Pakistan. I told the insurance I will pay for it instead and claim later. 

I didn’t want to get stuck in Islamabad so I told them the doctor in Pakistan allowed me to take my flight to Thailand (that I pre-arranged months before to meet my family for my birthday) and asked them for the hospital they can recommend so I can get proper treatment.

They recommended BNH Hospital in Bangkok, one of the most expensive hospitals in Thailand (check google!) and they asked me that if a “guarantee of payment” is needed then they can arrange it. So they arranged for the payment directly with the hospital and I did a 3D Xray, a specialist doctor who told me I have a bimalleolar ankle fracture, a physical therapy session to teach me how to use the crutches and medicine. They can’t do my surgery because my ankle was really swollen and I don’t want to do it there because I’ll be on my own later on. Jonathan could fly in (they will pay for the cost) but we can’t be in Thailand for recovery because we have our cats and can’t be left alone for a while.

I told them I want to fly to the UK since my husband is there and I don’t live in the Philippines since 2009 but I am a Filipino citizen. They gave me instruction on how to deal with NHS and foreign national medical bills/payment. NHS / Healthcare in the UK is free for citizens and residents but I’m not a resident so I had to pay for it. The insurance coordinated with their insurance partner in the UK and arrange it with the hospital so my 2 surgeon consultations and my surgery were covered aside from the medicine and follow up appointments.

I will write more later but imagine what I’ve been through and if I had to pay all of these then I think I’d go crazy! I could sue the tour company in Pakistan to cover the cost but you know it’s a small business and it’s an accident, so thankfully, I have travel insurance.

(I don’t know if insurance in the Philippines would pay the hospital directly instead of asking you to pay it first then refund.. pano kung wala kang cash? Mangugutang or gofundme na lang?)

You booked your ticket and hotel already. You even packed your bags weeks before your travel. Akala mo ready ka na.

So ganoon na lang yun? Game ka na to ‘hit the road’ agad – agad?

Wala ka bang nakakalimutan? Feeling ko, there is one important thing that you missed.

Have you purchased your Travel Insurance? If not, better get one from SafetyWing .

Update: I previously thought that the Insurance covers Trip Cancellation but would actually only cover Trip Interruption. They mentioned that they are planning to improve their service next year but thankfully all my medical expenses are covered.

I will explain it ha. This can be a lengthy post but definitely worth it. Lalo na kung ayaw mo maghirap after traveling.

Most Filipinos love to get the cheapest deals. That’s precisely the reason why airline promos are a big hit to us. Aminin na natin na we are ‘kuripot’. 🙂  I get your point, but after traveling for quite some time, I realized that you would definitely experience a number of mishaps. I’ll give you a list, ok?

Nahuli ka sa flight e non-rebookable yung ticket mo!

Nagka- dengue ka 2 days before your scheduled flight!

You lost your laptop and smartphone, ARAY!

Nabalian ka ng buto while doing some adventurous activities

Hindi ako OA, pero these things can happen. Minsan mas malala pa. E di mas mapapagastos ka sa pagbili ng bagong tickets, sa medical expenses and sa pag-purchase ng new gadgets. Mapapamura (pun intended) ka na lang ng hindi oras!

Thing is, you can get yourself protected. Some of you might just resort to simple flight insurance, but are you satisfied with its coverage?

If you are planning to travel and to leave your country without so many worries, I strongly suggest that you get a comprehensive travel insurance – it’s different from Medical Insurance, Life Insurance or the Airline Insurance (don’t get this, you don’t need that!). When you travel around Europe, one of the visa requirements is having your own Travel Insurance and not the other kind of insurance.

You can check how much your Travel Insurance would cost you pero usually it’s $37 or less than 2,000 more per month pero you only PAY PER DAY.

So for example, you’ll go on a 5-day trip then it’s only $6.60 (excluding a trip to USA). You can purchase it ahead of time as long as you put the Start Date and End Date. So how much is $6.60 in Philippines Pesos? Only around 340 Pesos!

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… or click here so you can get the price quotation here.

If you decide to travel to the USA then you will be paying more but not much. It’s around $12 (USD) for a 5-day trip or 630 Philippines Pesos! If you will travel to the USA, make sure to always have a travel insurance because it’s REALLY expensive there. I remember after we survived hurricane Irma in Florida and Jonathan had a minor accident on his hand, our old insurance policy won’t cover it because it’s “his fault”, we ended up paying $1,500.

That’s the reason why we switched to a new insurance provider and thankfully when I had my car accident, they didn’t hesitate to help me immediately with my medical situation. I will write more later on how we file insurance claims or what to do when you get into an accident.

• 7 Things Filipinos Have To Keep In Mind In Case Of An Accident Abroad
• How to Claim Injury Compensation After an Accident Abroad
• SafetyWing Insurance Review

What Makes SafetyWing The Best Option For Backpackers & Long-Term Travellers?

You think that you’ve got yourself covered just because you already have your Life and Medical insurance. Reality check – these are very specific policies and most of the time, hindi mo magagamit when you travel.

Definitely, Travel Insurance.

Travel insurance for us Pinoys, might not be a popular concept but it is a necessity every time you have the urge to leave and travel. In a nutshell, it covers practically everything you need while on vacation. That’s why we strongly encourage to check out SafetyWing because, for us, it is the best option.

1. You can get it even if you are not in your home country.

At least kahit nakaalis ka na, pwede ka pa din mag avail ng travel insurance Safety Wing. Pwede kasing nagbago ka ng travel plans, or ang tagal mo nagdecide kaya hindi ka kaagad nakakuha. Now, you don’t have a reason for not having your travel insurance.

2. Made especially for ‘kaladkarins’ like us – quick getaway, short trip or even long-term travel!

Yes, para talaga sa travelers. Check out why!

a. Medical help

Most likely, your medical insurance will not cover medical expenses incurred overseas. What if wala kang pera sa bank? Or what if walang pera yung relatives mo? E di nganga ka sa hospital nyan? Kanino ka hihiram? Sakit pa sa ulo, di ba?

b. Emergency Medical Evacuation

And what if your condition entails you to evacuate and go home? Mahal yun if you don’t have a travel insurance.

c. Trip Cancellation (Update: NOT COVERED with SafetyWing)

And for some reason kelangan i- cancel yung trip because of something really important or unexpected circumstances? What will happen with all of the paid bookings?

d. Stolen or Damaged Gears (Update: NOT COVERED with SafetyWing)

Sometimes, you are just unlucky. Pero with travel insurance, they’ll reimburse you to buy again yung mga nawalang travel gadgets.

3. Change of Plans

Minsan gusto mo mag- stay sa isang lugar pero hindi na covered ng original travel insurance policy mo? If you get SafetyWing, it is possible to extend and have your stay covered.

4. Resuming your Trip

So nangyari na nga ang dapat hindi mangyari, na-cut ang trip and you have to go home. Don’t worry, you can still resume to your trip. Yes! Some of the policies will allow that.

Check out what it will cover you and this one below is specifically for Filipinos traveling worldwide excluding travel to USA and Philippines. You can start the trip anywhere and not necessarily in the Philippines/ Home Country.

What Does Safetywing Cover on their travel & medical insurance?

For their normal policy they would cover the following on the screenshot above :

Travel Delay – when you miss your flights and when the airlines won’t cover you!

Baggage & Personal effects – when the airlines lost your luggage and they are not willing to pay for it!

Overseas Medical and Dental coverage – yes, even your dental needs

Personal and Travel Documents

Personal Liability – Physical injury and property damage and much more

Why is it better than the Philippines-based Travel Insurance Companies?

Most of the insurance companies in the Philippines are not used to LONG-TERM Travel or backpacking kind of travel! They don’t know how it entails, you can’t even avail the travel insurance when you’re already abroad and you have to purchase it before you leave the Philippines!

It’s a good thing that SafetyWing is able to understand what travelers really need.  Also, I’ve been hearing a lot of stories from Filipino friends and readers that their insurance company didn’t want to pay for the claims or it took ages for them to pay it! Nakaka – bad trip yun, really!

Why Believe me?

I’ve been traveling around the world since 2013 and visited 136 countries. As a traveling entrepreneur, we look for exciting ways to sustain our life of travel. Lahat na siguro ng death-defying adventures nagawa ko na or balak namin gawin.

That said, it is inevitable to have a few accidents or misadventures while on the road like my car accident in Pakistan and glad I have SafetyWing insurance who paid for all my medical expenses.

The only way we can protect ourselves is by having travel insurance. Hindi naman pwede na lahat ng accidents charged sa credit card or tawag sa friends, di ba? That’s why I can truly say that SafetyWing is the perfect solution. Kahit na medyo frugal ako, gagastusan ko talaga ang Travel Insurance. Mahirap na di ba?

Why Filipinos need TRAVEL INSURANCE?

Again, I’ll explain the below items further to enlighten you that travel insurance is a must even if it’s not with SafetyWing or just any random Travel insurance company in the Philippines.

1. You got terribly ill a day before your flight

Your body tells you that you can’t leave the next day, but since you booked the cheapest and most-restricted ticket, you can’t refund nor rebook the flight. Sayang ang pera!  And it’s not just about the flight cost. What if you already reserved your hotel? There’s a big chance that they will charge a night for not showing up.

This huge waste of cash can be avoided if you have your travel insurance. You might get a lower amount compared to what you have spent, but that’s better than losing everything for nothing.

2. You lost your expensive smartphone and laptop

I’ve heard a number of horror stories about losing gadgets while on the road. There are actually different reasons. One of my friends left it at a restaurant in Thailand. The other one lost it in a public bus in South America. Ang saklap nito!

While most locals from different countries are hospitable, there are few that will take advantage of tourists. For travel writers like us, losing our laptops and smartphones is literally a big loss to us. Kung sa akin mangyari ito, I will be lost for days.

Our gadgets are considered investment, we try to purchase the best units, which are quite costly. By having a travel insurance that covers lost gears, at least you can replace those without shelling the entire cost from your own pocket.

3. You got hospitalized while traveling

Huwag naman sana, pero it happens.

I remember watching an episode of ‘Monsters Inside Me’ when a couple went on a Safari trip. Unfortunately, parasites went through their skin and that made them sick most of their trip. I immediately thought of their medical bills. Sadly, your local medical insurance will obviously not work overseas. But if you choose comprehensive travel insurance, that would be a lesser burden.

4. You need to go back home – pronto!

In some cases, you need to evacuate instantly. This is applied usually to natural disasters.

5. An accident happened to someone and it was your fault

And for some reason, someone decided to sue you because of an accident, (this rarely happens, but possible). Make sure you got yourself covered. Paying for legal fees can break banks! Make sure you are protected.

Now, if ngayon ka lang kukuha ng Travel Insurance , make sure of the following even if it’s not with SafetyWing:

• Medical Coverage Limit

Your travel insurance policy should have high medical coverage. What if you needed to stay in the hospital for days? How sure are you that your insurance can cover your expenses while in there? If your provider seems to have a low limit for this, I suggest that you get other options.

• Evacuation Coverage

There are really instances that you have to immediately leave the country because of the conditions which you can’t control. By including an evacuation coverage in your policy, you spare yourself from making a handful of calls to different airlines just so you can be accommodated.

• Countries Covered

If you are going to different countries, for example going around South East Asia , you might want to select travel insurance that covers most of your destination. Unless you are a fortune-teller, you can’t say which countries you will need it.

• Gadgets Covered (Update: NOT COVERED with SafetyWing)

Make sure you get the decent limit that can be at par with the cost of your electronics. Again, we all live in a ‘wired’ world and losing gadgets can make you feel disconnected in some ways.

5. Flight, Hotel, and other Transportation Cancellations

When you cancel your trip, it is not only the flight that you are going to lose. You will lose money because of accommodation and sometimes even more if you rented cars or booked a train ride. Your insurance should cover all of these. Otherwise, choose another provider.

6. Round the Clock Support Desk

Most importantly, ensure that your provider has a 24/ 7 desk that can help you anywhere in the world. There are few providers that will only answer your concerns during their office hours, which is of course, based on their location. Mahirap naman ata yun. You need to make a claim as soon as possible so you need to get in touch with a representative right away.

Practical Tips when Getting Travel Insurance

• Always read the fine print and don’t be afraid to ask questions
• Keep a copy of your agreement. Bring it with you and have some copies in your email.
• Ensure that you keep all your travel receipts. This should make claiming easier.

Again, even if you are always looking out for the lowest travel deals, you should never compromise your health and you must prepare for uncontrollable things. The only way to fly without worries is by getting travel insurance that will cover almost everything while you are away from home. Hindi naman sa paranoid ako, pero I want you to enjoy your travel even if something unexpected will happen.

Disclosure: Please note that we are an Affiliate of SafetyWing but I’ve been personally using them since 2017. 

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32 thoughts on “ How to Choose the Best Travel Insurance for Filipinos [With My Recommendations!] ”

hi Ms. kach! how to claim or what is the process if I need to go to a hospital in the US, not necessarily due to accident? who to call and do i need to fill up anything?

You can try going to this website – https://safetywing.com/?referenceID=24734583 and asking the customer service (located on the bottom right of the screen) for a number.

Is it possible to help me finalize my purchase? I read you’re an affiliate of Safety Wing? I don’t know why but it keeps rejecting my husband’s credit card 🙁

You can check with their customer service as to why your husband’s cc is not accepted. They reply immediately.

Hello po! Does safetyWing covered already covid positive cases? Thank you po!

Only if they get the Covid before they purchased the insurance. If they are already Covid positive then I dont think they’ll cover the expenses. Thanks!

Hello po! Any travel insurance you would recommend po for covering lost gadgets or gears? Thank you!

Good Afternoon, My Wife will be traveling to visit me in Djibouti… I’m a Gwapo Joe and she is my Magandang Asawang Pilipina. She’ll need Travel insurance to cover: medical, flight cancellation and hospitalization, re-bookings, and accommodation if return flight is cancelled.

Many thanks

Where can I buy safety wing travel insurance

Where can I buy safety wing travel insurance?

Here – https://twomonkeystravelgroup.com/recommends/safety-wings/

Where can i buy safety wing travel insurance?

Hi! Would you recommend SafetyWing or South America? Based on your reco (thank you!), Ill be using AXA for my Schengen visa application, but my friends are doing Bolivia & Peru & would like to check for them. Thank you!

Hello Ruth, I recommend Safetywing for South America and this is the same I used for Central Asia. I used WorldNomads before but it was so expensive and they are no longer issuing insurance for Filipino citizens.

Hi, Can you please help me to questions below: 1. What happens if you just purchased and the travel dates has been changed? 2. Or there was an issued travel ban imposed by the Philippine government and your trip can no longer be push thru or rebook/refund.?

Hi Kach, just wanted to confirm that this travel insurance can be used for Schengen visa application. If I’m not mistake, the coverage should be at least 30k eur. TIA!

Not this one for Schengen visa application, I recommend AXA Schengen for that –> http://bit.ly/TwoMonkeysSchengenInsurance

I am actually planning to purchase with AXA anytime soon until I read this. Found Safety Wing’s price cheaper than other travel insurance provider in the Phils. that I’ve checked. Thanks for this post. -FB follower too:)

Thanks po but for Schengen visa application I think AXA would be accepted in Pinas because SafetyWing is more for other countries – they also cover Europe but for visa application then hassle to request for more documents from them! =)

Just want to confirm if Safetywing does not include pregnant women under their travel insurance policy?

Hi Mrs Howe,

What does this mean exactly?

Lost checked luggage* Up to $3,000 per certificate period; $500 per item. Up to $6,000 lifetime limit. No deductible. Notable exclusions are Electronics such as phones, laptops, cameras are not covered

They covered the cost of your lost luggage and with maximum of $3000 in value the entire validity of your insurance.. so for example you lost your luggage 5 times on let’s say you have a 6 months valid Insurance certificate.. they’d cover it up to $500 per luggage ($2,500). The gadgets are not covered because they are expensive so you’re better off having a different insurance for your expensive gear.

After going through your blog I’m certainly considering this. My wife and my 7 month old daughter will be traveling to The Philippines at the end of this month. Aside from my wife. Is my daughter eligible to avail the travel insurance?

Hope to hear from you soon. Thank you in advance.

Yes, apply as a family so you can get a discount. Make sure to also add your baby’s name! Unlike airlines, there are no discounts for children po. It’s really cheap and good for peace of mind! =)

Do they have coverage for US travel?

You’ll have to pay extra if you’ll travel in the USA and it’s not that much.

Thank you for this post. I will definitely get travel insurance next time I travel.

You should always get one! If you get discounts on your flights then use it for your travel insurance! haha! =)

Ang safetywing ba ay pwede din sa local travel dito sa pinas?

Yes pwede din kaso limited to 30 days a year sya kung taga abroad ka then you’ll travel to Pinas.

I suggest kung sa Pinas ka naman nakabased and local travels then medical insurance is what you need to get po and not travel insurance. =)

Galing naman nito Mrs.Howe!!

Salamat po pero sana di ko naexperience ma-accident ano para magshare ng story! hahahah! =)

COPYRIGHT DISCLAIMER: Many of the articles on Two Monkeys Travel Group are guest posts by a number of Approved Contributors and are hosted by Two Monkeys Travel Group. Approved Contributors control their own work and post freely to our site. This includes all text and images that they use within their own work. All contributors are instructed to follow internationally recognised copyright and intellectual property guidelines. Two Monkeys Travel Group takes its own responsibilities very seriously, so if you feel that any part of this work is abusive in any way, please send us an email so that we can investigate - [email protected]

DISCLOSURE: Please note that some of the links above are affiliate links. So when you make a purchase we sometimes make a small commission, at no extra cost to you. The cost to you remains the same, sometimes even cheaper if we have negotiated a special deal for our readers.We use all of the companies we have listed here and that’s why they are in this list, but of course we need to keep Two Monkeys Travel Group running as well as it can, which is exactly what you’re helping with if you do decide to buy or book something through an affiliate link! If you have any more questions about the companies we use or any other companies you’re looking at, just email us and we’ll be happy to help. Please see our full disclaimer page for more information.

Written by Kach Umandap

Founder of Two Monkeys Travel Group. Since 2013, Kach has visited all the 7 continents (including Antarctica) and 151 countries using her Philippines Passport. In 2016, she bought a sailboat and went on sailing adventures with her two cats - Captain Ahab & Little Zissou in the Caribbean for 2 years. She now lives in Herceg Novi, Montenegro where she's enjoying her expat life and living on a gorgeous Stonehouse. She writes about her experiences traveling as a Filipina traveler with a PHL Passport. Also tips on backpacking trips, luxury hotel experiences, product reviews, sailing & adventure travel.

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• Best overall
• Best for exotic trips
• Best for trip interruption
• Best for medical-only coverage
• Best for family coverage
• Best for long trips
• Why You Should Trust Us

Best International Travel Insurance for June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Best International Travel Insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured

Best for medical-only coverage: GeoBlue Travel Insurance

• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Compare the Best International Travel Insurance Companies

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most US health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TravelSmart, Allianz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads Travel Insurance review here.

Best for trip interruption: C&F Travel Insured

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
• con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
• con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
• C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review here.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. A subsidary of Blue Cross Blue Shield
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers strong medical plans as long as you have a regular health insurance plan, but it doesn't have to be through Blue Cross
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers long-term and multi-trip travel protection
• con icon Two crossed lines that form an 'X'. Multiple complaints about claims not being paid or being denied
• con icon Two crossed lines that form an 'X'. Does not provide some of the more comprehensive coverage like CFAR insurance
• con icon Two crossed lines that form an 'X'. Buyers who do get claims paid may need to file multiple claim forms

GeoBlue Travel Insurance offers policies that covers emergency medical treatments when you're abroad. While GeoBlue lacks trip cancellation coverage, that allows it to charge lower premiums than the other companies on this list. 

GeoBlue plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It's worth noting that coverage for pre-existing conditions comes with additional costs. 

Read our GeoBlue Travel Insurance review here.

Best for family coverage: Travelex Travel Insurance

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
• con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
• con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
• con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
• con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

• Optional CFAR insurance available with the Travel Select plan
• Trip delay insurance starting at $500 with the Travel Basic plan
• Emergency medical and dental coverage starting at $15,000

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex Travel Insurance review here.

Best for long trips: Seven Corners

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options such as CFAR, optional sports equipment coverage, etc.
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states
• con icon Two crossed lines that form an 'X'. Prices are higher than many competitors
• con icon Two crossed lines that form an 'X'. Reviews around claims processing are mixed
• Trip cancellation insurance of up to 100% of the trip cost
• Trip interruption insurance of up to 150% of the trip cost
• Cancel for any reason (CFAR) insurance available

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners Travel Insurance review here.

How to Find the Right International Travel Insurance Company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

Your needs for travel insurance will depend on the type of trip you're taking. You'll need to consider your destination and what you'll be doing there, either business, leisure, or adventure traveling. Policies covering adventure sports and activities will cost more. Longer, more expensive trips will also cost more. 

Research the reputation of the company 

When researching a company, you'll want to closely review the description of services. You'll want to see how claims are handled, any exceptions, and limitations.

You'll also want to look at the company's customer reviews on sites like Trustpilot, BBB, and Squaremouth, as this will provide insight on the quality of customer service and the claims process. You should also take note of whether companies respond to customer reviews.

Compare prices

You can get quotes through a company's website or travel insurance aggregators like InsureMyTrip and VisitorsCoverage. You'll need to be prepared to provide the following information about your trip:

• Trip destination(s)
• Travel dates
• Number of travelers
• Traveler(s) age/birthday
• State of residence
• Total trip cost

For companies that offer travel medical insurance, you'll also want to play around with the deductible options, as they can affect your policy premium. 

Understanding International Travel Insurance Coverage Options

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the Best Price for International Travel Insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

Why You Should Trust Us: How We Reviewed International Travel Insurance Companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

Read more about how Business Insider rates insurance products here.

International Travel Insurance FAQs

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

You should pay attention to any limitations regarding covered cancellations, pre-existing conditions, and adventure activities. For example, if you're worried you may have to cancel a trip for work reasons, ensure that you've worked at your company long enough to qualify for cancellation coverage, as that is a condition with some insurers. You should also see if your destination has any travel advisories, as that can affect your policy. 

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

• Main content

Traveling From the Philippines to the US? Here Are 3 Health Insurances to Know in 2024

Byron Mühlberg

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

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

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.