philippine travel health insurance

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.

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

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

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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 .

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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.

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

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

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

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

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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.

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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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10 Best Travel Insurance Companies & Plans in the Philippines

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

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

See the Full List

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

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

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

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

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

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

His travel insurance paid for all medical expenses.

Who was the guy? Dunno, really.

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

The lesson?

Don’t touch ‘em monkeys.

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

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

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

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

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

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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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• Philippines Travel Insurance

On This Page

• Key takeaways

Is travel insurance required to visit the Philippines?

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

Philippines Travel Insurance: Coverage Requirements & Costs

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

Our top picks for the best philippines travel insurance

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

Seven Corners

Generali global assistance.

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

Best Rated Travel Insurance

Why we like it.

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

Best Value for Medical Emergencies

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

Best Value Travel Insurance

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

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

Do I need a visa to travel to the Philippines?

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

Do I need a passport to visit the Philippines?

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

COVID-19 requirements

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

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

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

Trip cancellation insurance

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

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

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

Trip delay insurance

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

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

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

Trip interruption insurance

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

Travel medical insurance

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

Medical evacuation insurance

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

Baggage insurance

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

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

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

Rental car coverage

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

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

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

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

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

We used these travel details for our quotes:

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

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

Example Where Plan Doesn’t Reimburse the Full Trip Cost

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

Example Where Plan Does Reimburse the Full Trip Cost

Several factors affect the cost of travel insurance:

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

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

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

Do I need travel insurance to visit the Philippines?

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

What does travel insurance cover in the Philippines?

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

How much is Philippines travel insurance?

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

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

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

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

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

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

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

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

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Top Travel Insurances for the Philippines You Should Know in 2024

Byron Mühlberg

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

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

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

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

Philippines Insurance Profile

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

Best Travel Insurances for the Philippines

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

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

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

Do I Need Travel Insurance for the Philippines?

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

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

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

VisitorsCoverage: Best Medical Coverage

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

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

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

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

Insured Nomads: Best Trip Coverage

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

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

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

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

SafetyWing: Best Combination For Youth

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

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

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

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

How Do They Compare?

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

Data correct as of 4/1/2024

FAQ About Travel Insurance to the Philippines

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

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

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

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

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

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

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

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

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

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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• Philippines

Philippines Travel Insurance Requirements

Last updated: 03/07/2024

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

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

Squaremouth’s Philippines Travel Insurance Recommendations

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

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

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

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

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

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

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

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

Click here to begin your search for Philippines Travel Insurance.

Philippines Travel Insurance Trends and Data

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

Destination Rank: 21

Percentage of Squaremouth Sales: 1.18%

Average Premium: $198.22

Average Trip Cost: $2,852.03

Helpful Resources

• Philippine Covid-19 Information
• Philippine Travel Information

Available Topic Experts for Media:

Squaremouth's destination information is free and available for use within your reporting. Please credit Squaremouth.com for any information used.

Squaremouth's topic experts are on hand to answer your questions. Contact a member of our team for media inquiries about Squaremouth Analytics or to schedule an interview.

Steven Benna, Lead Data Analyst: [email protected]

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A Comprehensive Guide To Philippines Health Insurance For Expats

Understanding the differences between public, private, PhilHealth, and expat health insurance options is a confusing topic for most foreigners in the Philippines. This guide uncomplicates the Philippine health insurance system with how-tos, expert insights, and insider tips to help you make an informed health decision. minutes

  Mins Reading Time

About the author

Hi, I'm Marco Sison . I worked in finance for Fortune 50 companies before retiring early at 41 years old. I have been an expat for over 10 years, living in over 50 countries to show you the best ways to save, invest, and live in amazing countries outside the USA. I am a trusted resource on personal finance and overseas retirement for US News & World Reports, HuffPost, MSN Money, USA Today, ABC Network, Yahoo Finance, Association of MBAs, the iTunes documentary Seeking FIRE, and the Amazon Best-Seller- Abroad: Expats That Thrive .

QUICK SUMMARY- PHILIPPINE MEDICAL INSURANCE FOR FOREIGNERS

• Expats can join the Philippine Public Health Insurance (PhilHealth) for less than $300 annually
• PhilHealth pays a set amount per type of treatment
• There is no age limit to join PhilHealth. Foreigners over 65 are welcome.
• A medical exam or health questionnaire is not required.
• PhilHealth only covers 20% to 30% of the total bill.
• You control the % by shopping for lower-priced hospitals
• Expats are excluded from PhilHealth’s most expensive treatments (Z Benefits)

I’m a US and Filipino dual citizen. I’ve had the luxury of living and working in the US before returning to the Philippines to retire. It’s not a shocker to say that medical care in the Philippines is very different than in the US. But unlike most expats, I’m not here to tell you that the Philippines’ healthcare system is ideal or that US healthcare is the best.    

International health insurance is one of the most confusing topics for expats. I even have an entire section just to help expats understand international health insurance , how to choose a policy, and ways to cut costs.

However, healthcare in the Philippines is an even higher level of complicated. There are vastly different levels of quality, some medical facilities are equivalent or better than expats would receive in most Western countries. While some rural clinics feel like a throwback to witch doctors and shamans. 

Table of Contents- Click To Expand: A Comprehensive Guide To Philippines Health Insurance For Expats

How to get philippine health insurance for $300, step-by-step guide to apply for philhealth.

This post may contain affiliate links. I may get a commission if you purchase something using my link. Please note, there is NO ADDITIONAL COST to you. For more information, please see my  disclosure .

QUICK TIPS- PHILIPPINES

Show a mandatory departure ticket.  You cannot enter the Philippines on a one-way ticket if you only have a tourist visa or visa on arrival. You will need a flight ticket with a date leaving the country before your visa expires. Save money by showing immigration you have    a cheap onward travel ticket for just $14 . 

Get help with your visa .  The Philippines visa process can get complicated. The rules and regulations change frequently. Avoid the hassle of dealing with the immigration bureaucracy by speaking with a Philippines Visa Specialist. 

Learn some basic Tagalog phrases.  While nearly everyone speaks some English,  learning some basic Tagalog is always appreciated by Filipinos. Get a  FREE Language Lesson using the same learning technique used by the US State Department, FBI, and overseas military.

Save On Moving Costs .  Save up to 40% on your international moving costs. Nomadic FIRE has partnered with 10,000+ pre-screened global moving companies to save you time and money. Fill out our 60-second form and get 5 free quotes from accredited moving companies competing for your business.

Get Free Expat Health Insurance Quotes .  Your home insurance will not cover you while abroad. However, you can find  affordable international health insurance  for less than what you would pay in the United States. 

Moving to the Philippines as an American expat comes with a unique set of challenges. One of them is ensuring you can access quality healthcare while living in the country.

How you protect your health will depend on your age, pre-existing medical conditions, where you live in the Philippines , and your budget. 

This guide is written specifically to help expats understand their medical insurance options and make an informed decision on handling their health insurance in the Philippines.

Other Expat Guides On The Philippines

Expat guide to living in the philippines- costs, visas, safety, pros & cons (2022), how to get a philippines retirement visa for as low as $1500, 2024 philippines online annual reporting requirement guide for expats, expat life in the philippines: an american expat’s pros and cons, foreigner’s guide to prenuptial agreements in the philippines- protecting your money, 24 facts about healthcare in the philippines every expat must know, how do i send money to the philippines my remittance rundown, best places to live in manila- an expat guide to metro neighborhoods, an expat guide on where to eat in manila [best restaurants and groceries].

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Brief Overview of the Philippine Healthcare System

I have a separate guide with a complete breakdown of how the Philippine Healthcare System works , so check that article out for all the details.

To keep things brief here, the key points are:

• Tiered System: The Philippines has a mixed healthcare system with both a private and public medical system
• Public vs. Private: Public healthcare (PhilHealth) is more affordable but faces resource challenges, while private healthcare offers better services at a higher cost.
• Healthcare Quality: The country is recognized as a medical tourism destination, ranking 24th globally. The overall healthcare quality ranks 96th globally, but disparities exist between urban and rural areas and between public and private.
• Universal Healthcare: All citizens are covered by PhilHealth. Foreigners can pay to join, but PhilHealth has limitations on coverage.
• Healthcare Is Cheap Here: Expats can join PhilHealth for as low as 15,000 PHP / $270 USD annually or access better hospitals and doctors with private health insurance for as low as $550 yearly.

Comparing Public vs Private Healthcare Options

Your most crucial healthcare decision is to rely on a cheaper government-sponsored hospital or a more expensive private healthcare facility.

The two systems have fundamental differences in cost, care, and coverage. Additionally, there are even more differences between rural and city healthcare options, so your choice may rely on where you call home in the Philippines. 

Public Medical System

The Department of Health (DOH) governs the public care system in the Philippines. The Philippine Health Insurance Corporation (PhilHealth) is the national health insurance program.

Former President Rodrigo Duterte signed the 2019 Universal Healthcare Bill , known as the “UHB,” granting 100% of the country’s citizens basic healthcare, regardless of employment or ability to pay.

The good news for expats is that the healthcare reforms have continued to include foreigners with valid ACR cards or retired expats with a Special Resident Retiree’s Visa .

.stk-4f8e93c{padding-left:15px !important;margin-bottom:10px !important;margin-left:15px !important} .stk-1714c11{padding-left:15px !important;margin-bottom:10px !important;margin-left:15px !important}.stk-1714c11 .stk--svg-wrapper .stk--inner-svg svg:last-child,.stk-1714c11 .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g,path,rect,polygon,ellipse){fill:var(--stk-global-color-64421,#c5001a) !important} .stk-fca9845{margin-bottom:10px !important} Citizens of other countries working and/or residing in the Philippines – foreign citizens with valid working permits and/or Aliens Certificate of Registrations (ACRs) working and or residing in the Philippines – PhilHealth Section 5b6rule 1, Title 3 of the revised IRR of the Republic Act 7875

Public Hospitals in the Philippines

The public healthcare facilities are primarily based on government-funded hospitals and provide subsidized health services to public health insurance members. Since PhilHealth covers 100% of the country’s citizens, these government-run hospitals often experience high patient volumes, resulting in crowded conditions.

Locals rely on public Rural Health Units (RHU) and Barangay Health Centers for primary care services, but these public healthcare clinics are often poorly staffed and equipped. Most areas outside of Manila don’t have enough public doctors and hospitals.

The resulting quality of care drops noticeably even further between healthcare facilities in rural areas and hospitals in large cities.

Some notable government hospitals in the Philippines include:

• Cebu City Medical Center
• Philippine General Hospital (PGH)
• Jose R. Reyes Memorial Medical Center
• San Lazaro Hospital

Advantages Of Philippine Public Health Insurance

• Government subsidies mean lower costs for patients
• PhilHealth can cover some or all of your medical expenses
• Some public facilities are equipped with modern facilities and equipment

Disadvantages Of Philippine Public Health Insurance

• Long wait times due to high patient volumes
• Lack of specialized services and equipment compared to private hospitals
• Many facilities may not be well-maintained due to budget constraints

Private Medical System

Private insurance is a better fit for the needs of most expats. Expats demand better service, comfort, and access to better-equipped facilities. With a private policy, expats can choose their preferred doctor or hospital and often have shorter wait times for appointments and procedures.

Private Hospitals in the Philippines

Most private hospitals are in major cities like Quezon City, Taguig City, Makati City, Cebu City, and Davao City. These hospitals also tend to be more expensive than public ones. Having private health insurance can significantly offset these costs.

Prominent private hospitals in the Philippines include:

• Makati Medical Center
• St. Luke’s Medical Center
• Asian Hospital and Medical Center
• The Medical City

Advantages Of Private Health Insurance In The Philippines

• Shorter wait times for appointments and medical procedures
• A more extensive range of services and specialized treatments are available
• Better-equipped facilities and modern technology

Disadvantages Of Private Health Insurance In The Philippines

• Higher cost insurance coverage
• Limited accessibility, especially in rural areas
• Some hospitals may not accept certain insurance plans or have high deductibles

INSIDER TIP: Using PhilHealth In Private Hospitals- Did you know that PhilHealth isn’t just for government hospitals? You can still use PhilHealth for private hospitals for covered hospitalization, treatments, and minor procedures.

However, not every hospital is a PhilHealth member. Before admission or treatment, confirm with the hospital staff to ensure the medical facility is PhilHealth-accredited to maximize your benefits.

Understanding Health Insurance Types in the Philippines

Your choice of public or private medical system dictates the kind of Philippine health insurance you need.

Public Health Insurance In The Philippines

PhilHealth is a government-mandated insurance program responsible for providing basic health coverage under the Universal Health Care (UHC) system for Filipinos . PhilHealth is funded through:

• Government subsidies at the local and national level
• Company payroll deductions and employee contributions
• Voluntary member contributions

PhilHealth offers different membership categories and benefits, depending on the individual’s income and contribution. Currently, there are 8 types of PhilHealth members : Overseas Filipino Workers (OFWs), Senior citizens, Lifetime members, Sponsored members, Indigent members, and the three categories most expats fall into

• Formal economy members – employed expats working for Philippine companies
• Informal economy members – self-employed expats, naturalized Filipinos, foreign retirees, and foreigners in the Philippines who voluntarily or individually pay annual premiums to join PhilHealth.
• Qualified dependents – Spouses married to Filipino citizens or children under 21 years of age who are unmarried and unemployed

Are foreigners living in the Philippines required to purchase PhilHealth?

Enrollment in PhilHealth is only mandatory for foreign nationals employed in the Philippines. If you work for a local company, you pay into the public system through your employer’s payroll deductions.

Unemployed or retired expatriates have the option, but not the obligation, to purchase PhilHealth coverage under the Informal Economy Member category, provided they have legal residency status.

Private Health Insurance In The Philippines

While PhilHealth is the only place to go for public insurance, private health insurance is provided by various insurance companies. Private insurers offer a wide range of plans that cater to individuals’ specific needs and preferences. Private insurance often provides more comprehensive coverage than public health insurance, including access to a broader network of healthcare providers, more in-patient treatment coverage, and additional benefits such as dental and optical coverage.

Local employers often provide private health insurance coverage as part of their expat benefits package on top of the mandatory PhilHealth contribution. The downside is that foreign employees can’t choose their preferred insurance company.

Foreigners not employed or sponsored by a company can choose a policy from the best Philippine private insurance company that fits their needs and budget.

Average cost for a 65-year-old male with no pre-existing conditions :

• HMO Plan with a 1,500,000 PHP benefit limit is about 45,000 Philippine Pesos per year (roughly $815 USD).
• Global Medical Plan with a $1,000,000 USD policy limit is about $3,200 USD annually.

Travel vs. International Health Insurance

Another health insurance option for foreign nationals is travel or international health insurance. These types of coverage are suitable for expats living part-time in their home country and the Philippines.

Travel insurance typically covers medical emergency expenses, trip cancellation, lost baggage, and other travel-related incidents. It’s usually purchased per trip and can provide coverage for a specific duration, ranging from a few days to a year.

However, travel insurance with emergency medical coverage is NOT enough for most full-time expats. Travel health insurance does not cover preventative care, limits trips to 6 months or less, and includes a requirement to maintain health insurance in your home country.

A proper global health plan covers expats living and working abroad long-term. It offers more comprehensive coverage, including routine check-ups, pre-existing conditions (depending on the policy), and access to healthcare providers in different countries.

This type of insurance provides more flexibility for foreigners who may need to travel back to their home country for medical services or seek treatment in other countries.

How PhilHealth Works For Expats

How much does philhealth cost for foreigners.

As foreigners, we don’t get free healthcare, but the cost of public insurance is cheap by US standards. The minimum contribution for foreigners to a PhilHealth ID card is:

• Employed Expats – 4% of gross salary
• Expat Retirees on an SRR Visa – $300 / 15,000 PHP per year
• Foreign Nationals with an ACR-I-Card – $335 / 17,000 PHP per year

For less than $1 per day, expats get primary care coverage, including fully covered preventative check-ups, health screening and assessment, laboratory, and prescribed medicines, which members can avail of through the “Konsulta” (Filipino translation to the word “consult”) program (formerly called Tsekap, a playful translation to the word “check-up”).

How can a foreigner sign up for PhilHealth?

Visit the nearest PhilHealth office in your area in person. Bring your passport and other identification documents required.

Request a PhilHealth Member Registration Form (PMRF) office or download the form here and fill it out completely. Provide accurate personal information, local address, and contact details.

Submit the required documents: Along with the application form, you will need to submit the following documents: – Two copies of the PMRF application form – Photocopy of your passport (including the visa page) – Alien Certificate of Registration (ACR) or SRR Visa or Card – Proof of address in the Philippines (e.g., utility bill, lease agreement)

Pay the premium: Pay the annual premium fee: Foreigners- 17,000 pesos / $306 USD Expats with SRRV- 15,000 PHP / $270 You can pay in cash, credit, debit, e-wallet, or other accepted payment methods at the PhilHealth website.

Receive your PhilHealth ID card: Once your application and payment are processed, you will receive your PhilHealth ID card. This card will serve as proof of your PhilHealth membership.

INSIDER TIP: No Medical Requirements – Unlike most private insurance companies, PhilHealth does not require individuals to undergo a health checkup or fill out a medical questionnaire before joining. Expats with preexisting conditions will not be denied coverage.

PhilHealth Payments, Coverage, Benefits

How much does philhealth pay for my medical bills.

Depending on the cost of treatment, PhilHealth’s fixed co-pay typically covers 20% to 30% of your medical bills. However, the actual amount will vary significantly depending on the type of treatment and the hospital you choose.

The variance is because PhilHealth pays the hospital for each medical condition based on a set price list. Regardless of what the hospital charges you, Phil Health will only pay a fixed amount for the treatment.

The good news is you have some control over your portion of the cost. Different hospitals will have different rates, especially when comparing government hospitals to private facilities. 

Shop around and find a lower-cost hospital, and you pay less. Choose an expensive private hospital, and you will be stuck with additional medical expenses to pay.

Here is an example comparing the cost (including room, doctor’s fees, and services) of the same procedure at several hospitals.  The prices range from 35,000 PHP / $630 USD to 150,000 PHP / $2702 USD. 

PhilHealth Coverage For Expats

Depending solely on PhilHealth may not be enough for most foreigners residing in the country. Although it offers decent health coverage, it has limitations and exclusions that could expose expats to significant medical expenses.

PhilHealth’s main limitation is the fixed benefit amount. PhilHealth only subsidizes a portion of the treatment, not the full cost.

Look at the chart in the previous section showing the prices for C-sections. The fixed case rate PhilHealth covers for a Cesarean is 19,000 PHP. This benefit only covers between 13% to 54% of the actual treatment cost.

Additionally, foreigners don’t get all the PhilHealth benefits. A 2017 rule change excluded foreigners from accessing the most expensive medical treatments, including prostate cancer, heart bypass, hip replacements, and other serious but costly health issues.

Here’s an overview of what PhilHealth covers and what it doesn’t.

PhilHealth Coverage For Expats Includes:

• Inpatient care includes accommodation, pharmaceuticals, laboratory services, operating room expenses, and fees for accredited healthcare professionals.
• Outpatient services include day surgeries, dialysis, cancer treatments like chemotherapy and radiation therapy, and select diagnostic procedures.
• Packages for tuberculosis, HIV/AIDS, and other illnesses aligned with the United Nations Sustainable Developmeasthma and acute gastroenteritis medications
• Primary care includes consultation services, regular blood pressure monitoring, health education, and asthma and acute gastroenteritis medications.
• Comprehensive maternity care covers prenatal, delivery, and postnatal services and essential newborn healthcare provisions.

PhilHealth Coverage For Expats Does Not Include:

• Regular dental check-ups and treatments.
• Fees for specialist and private hospitals.
• Certain medications and treatments, especially those not listed in the Philippine National Drug Formulary.
• Certain chronic or severe illnesses.
• The Z Benefit package covering serious and life-threatening conditions, such as specific cancers, complex birth defects, and certain orthopedic implants are excluded
• Cosmetic procedures (unless medically necessary).
• Reimbursement for any room and board hospitalization (confinements) outside the country.
• Benefits for women about to give birth (WATGB).

INSIDER TIP: Age Restrictions- While most health insurance companies will deny coverage to older expats or raise the premiums for any expats over 65 years old, PhilHealth has no age restrictions to enroll. Even if you’re a hundred years old, PhilHealth will provide you with insurance coverage.

To contrast, private medical plans do not have specific exclusions for foreigners. Private health plans can also include vaccinations, vision care, dental benefits, and mental health , giving you greater peace of mind and overall well-being.

Foreigners in the Philippines should obtain additional private health insurance coverage to fill these gaps.

My article comparing the top private insurance for foreigners in the Philippines can help you choose the best option.

Why PhilHealth Is Not Enough Insurance For Expats

Expats should not consider PhilHealth as “health insurance.” PhilHealth is a government-subsidized co-pay. PhilHealth pays a fixed amount (case rate) based on your specific treatment that covers about 30% of your medical bills, not the total cost.

You must pay the remaining 70% gap out of your wallet if you don’t have additional private insurance.

Here are some examples of the fixed amount PhilHealth pays for common illnesses and medical conditions.

INSIDER TIP: PhilHealth Expat Exclusions- Another reason expats should not rely solely on PhilHealth for coverage is that non-Filipinos cannot use PhilHealth’s Z benefit package . This package covers the most expensive catastrophic illnesses, such as acute lymphocytic leukemia, early breast cancer, prostate cancer, and kidney transplants.

Additionally, foreigners cannot get room and board coverage for hospitalization (referred to by PhilHealth as “confinement,” a weird term, right?). Also excluded are special privileges (prenatal and maternity care) and for women about to give birth (WATGB).

Why is private health insurance essential for expats in the Philippines?

Private health insurance premiums are more expensive than PhilHealth, but they act more like health insurance plans that Americans and other expats are accustomed to. Private health plans offer a more comprehensive range of coverage and can be tailor-made to suit the unique requirements of expats living abroad.

Depending on the plan, private health insurance may cover inpatient treatment, medical tests, prescription drugs, or alternative treatments such as acupuncture and chiropractic care. Some coverage even includes medical evacuation to another Southeast Asian country (Singapore, Thailand, Malaysia, etc.) with better-equipped modern hospitals if necessary.

Private insurance lets you choose the provider and specialist of your preference. Most plans have a network of affiliated service providers you can choose from, and some even offer the convenience of a telemedicine website or phone app. Depending on the plan, you may also be entitled to cashless hospitalization or reimbursement for medical costs.

Additionally, private health plans give you access to private clinics and hospitals, including the five JCI accredited hospitals in the Philippines :

Living In The Philippines With No Insurance

Expats may find the cost of healthcare in the Philippines cheaper than in their own country and think it is better to go without private insurance and pay for healthcare costs out of their retirement savings or emergency fund.

Self-Insuring In The Philippines

Either because of age, costs, or a misunderstanding of how health insurance works, many older expats decide to self-insure.

Expats feel self-insuring in the Philippines has lower upfront costs and more freedom and control over healthcare decisions. However, self-insurance poses significant financial risks. You may save a few thousand dollars in the short term for minor injuries or even moderate medical issues.

The biggest risk is the volatile nature of healthcare. You don’t plan on getting into a car accident. You don’t schedule heart attacks.

If you get hit with an unexpected medical emergency or major illness, your out-of-pocket hospital bills can quickly blow through a meager $2,000 emergency fund. Your total medical expenses can easily outweigh the short-term savings of not paying insurance premiums.

Why Only Paying “Out-Of-Pocket” Is Not A Good Idea

I pay for most of my medical bills out-of-pocket rather than claiming insurance. The cost of medical care outside the United States is shockingly cheap. Here are some examples of medical treatments I paid out-of-pocket around the world.

• Knee MRI: $200 (Philippines) vs. $2000 (US)
• Platelet-Rich Injection Treatments: $100 (Mexico) vs. $700 (US)
• DEXA Bone Density Scan: $25 (Colombia) vs. $250 (US)

However, I still maintain an international health plan to cover catastrophic medical issues.

Sure, paying for a broken bone out of savings is fine, but paying for injuries from a simple accident or an unexpected brain hemorrhage would be financially devastating.

Here are real-world examples of claims paid for expats injured overseas.  

China: $232,000 USD-   An expat suffered a brain hemorrhage while on a cruise and had to be medically evacuated by air ambulance.

Thailand: $159,000 USD-  Then an expat slipped and fell in the bathroom and fractured their spine. 

Turkey: $103,000 USD-  When an expat suffered a heart attack in Turkey.

Need more reasons why living in the Philippines without private insurance is not an option?

GoFundMe is full of expats who have had to resort to digital fundraising because they didn’t have adequate health insurance.

INSIDER TIP: Unpaid Hospital Bills- While the government has past laws preventing public hospitals from physically preventing you from leaving, private hospitals can still detain you for unpaid bills unless you have private insurance that agrees to pay on your behalf.

Having adequate health insurance can save you from bankruptcy if you need access to specialized treatments, expensive emergency evacuation, or medical reparation.

Private Insurance Can Cover Emergency Evacuation and Air Ambulance Cost

Expats are drawn to the beaches and islands of the Philippines, but those 7,500+ islands make even an uncomplicated health condition like a hernia become a life-threatening medical emergency. Private insurance companies often offer additional benefits, such as access to medical evacuation and repatriation services.

Need to be airlifted from a remote province to the helipad at St. Luke’s Medical Center? The average cost of a helicopter ambulance is over $30,000 USD. What if you need a life flight to the UK ? Does a $90,000 emergency flight to Europe seem cheap?

INSIDER TIP: Paying For Public and Private Insurance- PhilHealth is cheap at less than $1 per day. Additionally, while health insurance provided by private companies has the best benefits, many expats have both a cheap PhilHealth plan and a more comprehensive HMO or PPO international insurance policy. Enrolling with PhilHealth is still recommended because PhilHealth is always considered the “primary insurer.”

Primary insurer means a hospital will initially bill the “PhilHealth portion” and then send the remaining bill to your private insurance company. If you do not have PhilHealth coverage, you must pay out-of-pocket for the PhilHealth portion of the medical expenses.

Key Takeaways: Philippine Health Insurance

At $300 annually, PhilHealth provides an affordable entry point for Philippine health insurance. However, expats must understand that public coverage is very limited. PhilHealth is a complement, not a standalone healthcare solution solution.

I highly recommend all expats supplement PhilHealth membership with a private healthcare plan that bridges the gaps, and includes inpatient care, major illnesses, and medical evacuation coverage that PhilHealth misses.

FAQs: Philippine Medical Insurance For Expats

Does the philippines require travel insurance.

Travel insurance is not mandatory for entering the Philippines. However, it’s strongly recommended to have coverage for unforeseen events like medical emergencies or unexpected trip plan cancellations.

How much does health insurance cost in the Philippines?

Philippine health insurance costs vary depending on age, coverage extent, and provider. But, on average, HMOs’ premiums range from Php 10,000 to Php 30,000 ($180 to $550) annually. While PPOs can range from Php 30,000 to as high as Php 500,000 / $9045 annually.

Is private health insurance required in the Philippines?

Private health insurance is not mandatory in the Philippines but is highly encouraged. The country’s public healthcare system has certain limitations, but private coverage offers enhanced access to high-quality services, particularly for expatriates or individuals needing specialized care.

Does the Philippines have free healthcare for foreigners?

Not free, but close. Unemployed or retired foreigners can purchase an annual PhilHealth plan for roughly $300. This universal health insurance plan allows expats to access some public health services for free or at a reduced cost.

However, it’s recommended to have private health insurance for better coverage and access to higher-quality private healthcare services.

Is it mandatory for foreigners to have health insurance in the Philippines?

Expats aren’t required to have health insurance in the Philippines. However, having private health insurance is highly recommended to ensure access to quality healthcare services and financial protection against medical expenses.

We moved the comments to the  New Expat Forums

Is the Phil Health fee of 18K for an out-patient procedure (lumbar epidural) appropriate for an American with International Aetna insurance?

Hi Steven, I’m not sure exactly where you see the 18k fee, but let’s use your number as an example. Normally the amount PhilHealth covers is the government-subsidized co-pay. PhilHealth pays a fixed amount (in your example 18K PHP) to help reduce the total cost of your specific treatment. The remaining bill = total cost – the 18k. That remaining bill would need to be covered by your private insurance or by your out-of-pocket.

If you are looking for specifically how much PhilHealth covers for a Lumbar Epidural, I recommend contacting PhilHealth directly.

Hi, That's me. I'm Marco Sison . I am a survivor of the corporate rat race. I started Nomad FIRE to show you an alternative to the stress and grind of 70-hour weeks to pay off a mortgage, student loans, and countless bills. After getting laid off in 2015, I said screw it all and retired early at 41 years old. I have traveled the last eight years to over 50 countries to show you the best ways to save, invest , and live in amazing countries for 70% less cost than the US. I have been featured in: US News & World Reports, HuffPost, MSN Money, USA Today, ABC Network, Yahoo Finance, the iTunes documentary Seeking FIRE, and the  Amazon Best-Seller , Abroad: Expats That Thrive.  [view press...]

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Is travel insurance required to enter the Philippines? 

Yes, the Philippines requires proof of travel insurance for the following travelers: 

- Foreign nationals eligible to enter the Philippines without a visa (including United States citizens)  - Holders of Hong Kong Special Administrative Region  - Foreign nationals entering through 9(a) visa  - APEC Business Travel Card (ABTC) holders  - Chinese nationals with valid AJACS  - Indian nationals with valid AJACSSUK visas 

What are the travel insurance requirements to enter the Philippines? 

To enter the Philippines, travelers must present proof of travel medical insurance with COVID-19 cover and a minimum of $35,000 medical coverage. Trawick International has several plans that comply with these guidelines: 

Comprehensive Travel Insurance Plans   Comprehensive plans include both travel medical and trip cancellation coverage, along with many other essential coverages for travel. 

Trawick International Safe Travels Explorer , Explorer Plus , Journey , Voyager , and First Class Trip Protection plans include: 

- Minimum of $50,000 for emergency travel medical insurance  - COVID-19 medical expenses covered and treated the same as any other sickness  - Trip cancellation  - Cancel for Any Reason available on some plans  - Trip interruption  - Travel delay and quarantine 

Learn more about these plans and get a quote now. 

Travel Medical Insurance Plans 

Travel medical plans provide coverage for accident and sickness while traveling. These plans do not include coverage for trip cancellation. 

- Minimum of $50,000 for Accident Medical Expense  - COVID-19 medical expenses covered and treated the same as any other sickness  - Trip interruption  - Travel delay and quarantine  - Emergency medical evacuation

Safe Travels Outbound plans are available for US Citizens/US Residents while traveling to other countries and for foreign nationals who are visiting other countries but NOT traveling to the USA. 

Who should be insured? 

All travelers, regardless of age, should be named on the travel insurance policy. 

When do I need to buy travel insurance? 

It depends on the plan. Comprehensive travel insurance must be purchased at least one day prior to your departure date. Travel medical plans can be purchased anytime — before or even during your trip — but will take effect the following day. 

To maximize your benefits, you should insure your trip within 21 days of the initial trip deposit date, and include all prepaid, non-refundable trip costs. This ensures eligibility for time-sensitive benefits, such as Cancel For Any Reason or Financial Default. 

Will I receive something confirming my coverage after purchasing online or over the phone? 

Yes. Upon purchase, you will receive a summary of coverage showing the travel medical and COVID-19 coverage requirements are met so you can travel to the Philippines. If you do not receive this email within an hour after purchase, please contact us for assistance. You will need to show your documentation upon arrival in the Philippines. 

How much does travel insurance cost? 

Travel insurance cost is based on your age, cost of the trip, length of trip, and other factors. When purchasing a comprehensive travel insurance plan with trip cancellation, like Safe Travels Voyager, you should include all non-refundable travel expenses so you can recover your investment in the event your trip is canceled or interrupted. 

Once I have my travel insurance, what’s next? 

Bring your travel insurance certificate and other required travel documents with you when you head to the airport. You will also need to register at https://onehealthpass.com.ph/ at least three days prior to departure. 

PLEASE NOTE: Guidelines may have changed since this was published. Before traveling, you should always check your destination's COVID-19 situation and travel requirements. Countries may have their own entry and exit requirements. Additionally, always check for travel advisories in the area to which you are traveling. Refer to https://www.cdc.gov/ and https://travel.state.gov/content/travel.html for up-to-date information and guidelines.

Privacy Policy

Trawick International’s Privacy Policy

Welcome to our website.  We appreciate your interest in us.  We take the privacy of our customers very seriously and are committed to protecting your privacy. This policy explains how we collect, use, and transfer your personal data, and your rights in relation to the personal data stored by us when you use our website or otherwise engage with our services.

Effective October 3, 2023

This policy sets out the following:

• What personal data we collect about you and how;
• How the data is used;
• Our legal basis for collecting your information;
• Who we share your data with;
• Where we transfer your information;
• How long we retain your information for;
• Your rights and choices in relation to the data held by us;
• How to make a complaint in relation to the data held by us;
• How to contact us with any queries in relation to this notice, or the personal data held by us.

Who is Trawick International?

Trawick International (“we,” “us,” or “our”) provides worldwide travel medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance, and many other products designed specifically for those traveling.  Our travel insurance programs are designed for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.  We offer an extensive worldwide network of quality physicians, hospitals, and pharmacies.  We cover employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips, and just the casual vacation traveler.  Our individually customized plans can cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay, and lost baggage.   

For the purposes of European data protection laws, if you are visiting our  website www.trawickinternational.com (or otherwise engaging with our services from the European Economic Area (or "EEA"), the data controller of your information is Trawick International.

What is personal data?

In this privacy policy, references to "personal information" or "personal data" are references to information that relates to an identified or identifiable individual. Some examples of personal data are your name, address, email, and telephone number, but it may also include information such as your IP address and location in certain jurisdictions.

What personal data do we collect?

We collect personal data that you provide to us when you sign up for our services, such as your contact information and financial information. We may also collect commercial information based on how you interact with our services, such as the products or services you’ve purchased or other Internet or network activity, such as your website browsing history or mobile device information.

Below are some more details on the type of personal data we collect.

Information that is provided by you:

In order to provide services to you we may ask you to provide personal information. This may include, amongst other things, your name, email address, postal address, telephone number, gender, date of birth, passport number, bank account details, credit history and claims history, citizenship status, marital status depending on the service you are seeking. The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point at which we ask you for it or upon request.

Some of the information that you provide may be “special category” (or “sensitive”) personal data. Sensitive personal data relates to your racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning a natural person’s sex life or sexual orientation, and can sometimes be inferred from other, non-sensitive, information that you have provided.

Information that we collect on our website:

When you visit our website, we will seek your consent to collect certain information from your device. In some countries, including countries in the EEA, this information may be considered personal information under applicable data protection laws.

Specifically, the information we are seeking to collect includes information like your IP address, device type, unique device identification numbers, browser type, broad geographic location ( e.g., country or city-level location) and other technical information. We may also collect information about how your device has interacted with our website, including the pages accessed and links clicked.

Collecting this information enables us to better understand visitors to our website, where they come from, and what content on our website is of interest to them. We use this information for our internal analytics purposes and to improve the quality and relevance of our website to our visitors.

Some of this information may be collected using cookies and similar tracking technology, as explained further under the heading “Cookies" below.

Information that we obtain from third party sources:

From time to time, we may receive personal information about you from third party sources but only where we have checked that these third parties either have your consent or are otherwise legally permitted or required to disclose your personal information to us.

For information about a third party’s usage and/or sharing of your personal data, please refer to the third party’s own privacy statement.

We may, where we are legally permitted to, also collect personal data from the following sources in order to provide services to you:

• Credit reference agencies;
• Anti-fraud and other databases;
• Government agencies;
• Electoral register;
• Court judgments;
• Sanctions lists;
• Family members; and
• In the event of an insurance claim: the other party to the claim, witnesses, experts, loss adjusters, solicitors, and claims handlers.

How is personal data used?

We may need to use your personal data in order to carry out the following activities:

• To set you up as a new client (including carrying out “know your customer” checks);
• To provide you with an insurance quote;
• To provide our products and services to you;
• To respond to your inquiries;
• To accept payments from you;
• To communicate with you about your policy;
• To renew your policy;
• To obtain reinsurance for your policy;
• To process insurance and reinsurance claims;
• For general insurance administration purposes;
• To comply with our legal and regulatory obligations;
• To model our risks;
• To defend or prosecute legal claims;
• To investigate or prosecute fraud;
• To respond to your enquiries; or
• To secure our network and our website, debug the website and repair errors;
• To conduct audits related to our interactions with you;
• To make our products and services better and to develop new products and services;
• To send you notices and information regarding our products or services, including notifying you about special promotions or offers, where we are legally permitted to do so; and
• Enforce our Terms and other usage policies and comply with legal requirements.

Our legal basis for collecting your information:

Our legal basis for collecting and using your personal data will depend on the personal data concerned and the specific context in which we collect it.

We will normally collect personal data where we need the information to provide you with our services / perform a contract with you, where the processing is in our legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms, or with your consent.

In some cases, we may use your personal data for a legal obligation, e.g., in order to complete “know your customer” and money laundering checks before taking you on as a new client.

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory (as well as of the possible consequences if you do not provide your personal information). You are under no obligation to provide personal data to us. However, if you should choose to withhold requested data, we may not be able to provide you with certain services.

Similarly, if we collect and use your personal information in reliance on our legitimate interests (or those of any third party), we will make clear to you at the relevant time what those legitimate interests are.

If you are a UK resident, we may collect and use your personal information, including sensitive personal information, on the basis of the insurance derogation in the UK Data Protection Act 2018.

If you are an EU resident, we may collect and use your personal information, including sensitive personal information, on the basis of the substantial public interest of insurance purposes, as regulated in the General Data Protection Regulation (GDPR).

If you have questions about or need further information concerning the legal basis on which we collect and use your personal information, please contact us using the contact details provided under the “Contact Us" section below.

Who is your personal data shared with?

We may disclose your personal information with the following categories of recipients.

• To our group companies, third party service providers and partners who provide data processing services (for example data hosting and storage companies, email marketing affiliates, and payment and claims processing companies) or who otherwise process personal information for purposes that are described in this Privacy Policy (see “How is personal data used?”).
• To any competent law enforcement body, regulatory, government agency, court or other third party where we believe disclosure is necessary (i) as a matter of applicable law or regulation, (ii) to exercise, establish or defend our legal rights, or (iii) to protect your vital interests or those of any other person;
• To a potential buyer (and its agents and advisers) in connection with any proposed purchase, merger or acquisition of any part of our business, provided that we inform the buyer it must use your personal information only for the purposes disclosed in this privacy policy;
• To any other person with your consent to the disclosure.

We do not sell (or exchange) your personal information for monetary compensation.

If you are a US resident, from time to time we may share your personal information with third parties for a third party’s own direct benefit and this type of sharing may be considered a sale under certain applicable laws. For more information on the type of information we may share in this manner, please contact us.

International Transfers

Your personal data may be transferred to, and processed in, countries other than the country in which you are resident. These countries may have data protection laws that are different to the laws of your country.

Specifically, the servers of Trawick International are located in the United States. Trawick International partners with many other international companies.  This means that when we collect your information, we may process it in other countries.

We have taken appropriate safeguards to require that your personal data will remain protected in accordance with this privacy policy. We have also taken appropriate  safeguards with our third party service providers and partners.

How long is personal information retained?

We will keep your personal data on our records for as long as we have an ongoing legitimate business need to do so. This includes providing you with a service you have requested from us or to comply with applicable legal, tax or accounting requirements. It also includes keeping your data for so long as there is any possibility that you or we may wish to bring a legal claim concerning our services, or where we are required to keep your data for legal or regulatory reasons. Please contact us using the contact details provided under the “Contact Us" section below should you require further information on our record retention procedures.

We may also retain your personal data where such retention is necessary in order to protect your vital interests or the vital interests of another natural person.

Your Rights as a Data Subject

You have the right to opt out of marketing communications we send you at any time. You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are an EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

Similarly, if we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information that was lawfully collected on grounds other than consent.

You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws.

You may exercise any of your rights in relation to your personal data by contacting us using the details set out in the “Contact us” section at the bottom of this page.

If you are resident in the UK or EU, your principal rights under data protection law are as follows:

• the right to access;
• the right to rectification;
• the right to erasure;
• the right to restrict processing;
• the right to object to processing;
• the right to data portability;
• the right to complain to a supervisory authority; and
• the right to withdraw consent.

If you wish to access, correct, update or request deletion of your personal information, we will ask you to provide us with a copy of any two of the following documents: Driver’s license; Passport; Birth certificate; Bank statement (from the last 3 months); or Utility bill (from the last 3 months). With regards to your right of access, the first access request will be complied with free of charge, but additional copies may be subject to a reasonable fee.

In addition, you can object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information.

If we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent. You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

Contact details for other data protection authorities in the European Economic Area, Switzerland and certain non-European countries (including the US and Canada) are available  here .

If you are based in the UK or EU, you may exercise any of your rights in relation to your personal data by contacting us using email or you can use the details set out in the “Contact Us” section at the bottom of this page.

If you are resident in the US, applicable law may entitle you, upon verifiable request, to receive disclosures relating to:

• The categories and specific pieces of information we have collected;
• The categories of sources from which the personal information is collected;
• The business or commercial purpose for collecting personal information; and
• The categories of third parties with whom we share personal information.

If you wish to exercise any of the rights described above, we will ask you to verify your identity. We generally will not charge to reply to your request, but we may charge a reasonable fee or refuse your request if the request is unjustified or excessive.

Automated decision making

In some instances, our use of your personal information may result in automated decisions being taken (including profiling) that legally affect you or similarly significantly affect you.

Automated decisions mean that a decision concerning you is made automatically on the basis of a computer determination (using software algorithms), without our human review. For example, in certain instances we may use automated decisions to establish whether we will propose insurance coverage to a prospective insured. We have implemented measures to safeguard the rights and interests of individuals whose personal information is subject to automated decision-making.

When we make an automated decision about you, you have the right to contest the decision, to express your point of view, and to require a human review of the decision.

As mentioned above, we may use your personal data to send you marketing materials.

If you are a UK or EU resident, you will need to opt-in to receive marketing from us. If you then wish to unsubscribe at any point, you can do so by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or contacting us.

If you are resident in the US, you do not need to opt-in to receive marketing materials from us, and you have the right to opt-out of receiving such communications. If you would like to stop receiving marketing information from us, please unsubscribe by clicking the “unsubscribe” link in the relevant marketing email or contacting us.

Trawick International is committed to keeping our customers’ data safe. We have security measures in place designed to protect against the loss, misuse, and/or alteration of personal data under our control. Although we cannot ensure or guarantee that loss, misuse, or alteration of data will not occur, we use our best efforts to prevent this. If you have any concerns that your Trawick International account or personal data has been put at risk, please contact us.

Our sites use cookies (a small piece of information that is placed on your computer when you visit certain websites) to distinguish you from other users, to track your browsing pattern and to build a profile of how you and other users use our sites. This helps us to provide you with a good experience when you browse any of our sites and also allows us to improve our sites. If you have an online account with us, we also use cookies to recognize you to pre-fill forms to save you time. Trawick International does not mandate cookies for you to access our sites and you may freely set your browser to reject all cookies or prompt you to accept or reject them. Some of the cookies we use are session cookies and only last until you close your browser, others are persistent cookies which are stored on your computer for longer. We may collect information through web beacons about your web browsing activities such as the address of the page you are visiting, the address of the referrer page you had previously visited, the time you are viewing the page, your browsing environment, and your display settings. We do this in order to optimize your browsing experience, the use of web-based services and provide you with relevant information on Trawick International products and services when you have opted-in to receiving such correspondence.

We will not respond to Web browser “do not track” signals. If you would like additional information about online tracking and various opt-out mechanisms, please see https://youradchoices.com/

Because we may link to social media sites, and from time to time may include third-party advertisements, other parties may collect your personally identifiable information about your online activities over time and across different web sites when you visit this Site.

Please note that not all tracking will stop even if you delete cookies.

Children's Data

Our websites and applications are not directed to children under 16 and we do not knowingly collect any personal information directly from children under 16. If you believe that we are processing personal information pertaining to a child inappropriately, we ask you to contact us using the information provided under the “Contact Us” section.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time in response to changing legal, technical, or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material Privacy Policy changes if and where this is required by applicable data protection laws.

You can see when this Privacy Policy was last updated by checking the “effective date” displayed at the top of this Privacy Policy.

Any changes will be effective only after the effective date of the change and will not affect any dispute arising prior to the effective date of the change.

If you have any questions about this Privacy Policy, please contact us using the following contact details:

Post Office Box 2284

Fairhope, Alabama USA 36533

Toll Free Telephone Number: +1 (888) 301-9289

Terms and Conditions of Use

Important information.

The information contained in this website is not intended to be an offer to sell or a solicitation in connection with any product or service by Trawick International Inc., in any jurisdiction where such an offer or solicitation would be unlawful or in which Trawick International, Inc., is not qualified to do so. Products and services described in this website may not be available in all jurisdictions. Not all insurance products described in this website are available to all persons in all States, Countries, or other jurisdictions at all times.

All products contain certain conditions, restrictions, limitations and eligibility requirements. The information contained in this website is not intended to be a complete description of all terms, exclusions and conditions applicable to the products and services. For complete terms, exclusions and conditions applicable to the products offered please contact Trawick International .

By using this website, you agree to the terms of its use. If you do not agree to these terms, PLEASE DO NOT USE THIS WEBSITE. For additional information or questions, please contact Trawick International or your independent insurance broker or agent.

TERMS & CONDITIONS OF USE

Effective Date: October 6, 2023

INTRODUCTION

THESE TERMS & CONDITIONS OF USE (“T&C”) GOVERN YOUR USE OF TRAWICK INTERNATIONAL, INC.’S (“COMPANY”, “WE”, “OUR”, OR “US”) WEBSITE LOCATED AT WWW.TRAWICKINTERNATIONAL.COM OR OTHER WEBSITES CONTROLLED BY COMPANY AND ITS AFFILIATES AS WELL AS ANY DOCUMENTS EXPRESSLY INCORPORATED BY REFERENCE AND ANY RULES AND POLICIES PUBLISHED ON THIS WEBSITE (THE “WEBSITE”).

BY ACCESSING THIS WEBSITE, YOU AGREE TO THE T&C, REVISIONS, AND MODIFICATIONS. ALL CHANGES ARE EFFECTIVE IMMEDIATELY UPON POSTING, AND APPLY TO ALL ACCESS TO AND USE OF THE WEBSITE THEREAFTER. ANY CHANGES WILL NOT EFFECT ANY DISPUTES ARISING PRIOR TO THE EFFECTIVE DATE OF THE CHANGE. WE MAY SEND YOU NOTICES WITH RESPECT TO THE WEBSITE IN VARIOUS MEDIUMS, INCLUDING BY EMAIL ADDRESS, POSTAL MAIL, AND/OR BY POSTING ON THE WEBSITE.

ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE “ARBITRATION AND CLASS ACTION WAIVER” SECTION BELOW, AND IF YOU DO NOT OPT-OUT AS SET FORTH IN THAT SAME SECTION, YOU AGREE THAT DISPUTES BETWEEN YOU AND COMPANY OR ITS AFFILIATES WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO BRING OR RESOLVE ANY DISPUTE AS, OR PARTICIPATE IN, A CLASS, CONSOLIDATED, REPRESENTATIVE, COLLECTIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR ARBITRATION.

ACCESS TO THIS WEBSITE

To access the Website or some of its resources, you may be asked to provide certain personal details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete.

In addition, certain other services of the Website, such as applying for coverage, may be governed by additional or different terms and conditions. You should carefully review those terms and conditions as they are referenced and/or presented to you.

We reserve the right to withdraw, amend, disable or suspend this Website, and any service or material we provide on the Website, in our sole discretion with or without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of the T&C.

Your privacy matters to us. Your use of the Website is also subject to our Privacy Policy that is available online here (“Privacy Policy”) and is incorporated into and made a part of these Terms of Use. The Privacy Policy is subject to change, and you are encouraged to review the Privacy Policy whenever you supply the Website with any information because you agree that Company can collect, use, and share your information consistent with that policy.

RESTRICTIONS ON USE

You may use this Website only for your internal, non-commercial purposes. You agree not to use this Website in any way that violates any applicable federal, state, local or international law or regulation. You further agree to maintain and update your registration data as needed to keep it accurate, current and complete. You may not use this Website or any of the content, defined below, contained on it for any other purpose, including any unpermitted commercial purpose, unless we provide our prior written consent to such use.

Uses requiring our prior written consent include the following, without limitation:

• Co-branding this Website;
• Framing this Website;
• Using any robots, scrapers, spiders, data mining tools, or any similar device, tool, software, or process;
• Hyper-linking to specific product or coverage information; or
• Reselling or remarketing the content, as defined below.

"Co-branding" means displaying a name, logo, trademark or other means of attribution or identification of any party in a manner reasonably likely to give a user the impression that the other party has the right to display, publish or distribute this Website or its content. You will cooperate fully with Company and its affiliates in causing any unpermitted or unauthorized activity of yours or a third party authorized by you to cease immediately. To the extent that such unpermitted or unauthorized use continues after notice from Company or its affiliates, you agree to pay or reimburse us for any and all costs (including attorney fees if applicable) associated with ending or terminating such use.

You agree not to impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses associated with any of the foregoing).

PROHIBITED USES AND ACTIONS

Additionally, you specifically agree not to:

• decompile, reverse engineer, disassemble, modify, reduce the Website to human perceivable form or create derivative works based upon the Website or any part thereof;
• disable any licensing or control features of the Website;
• “frame” the Website or any portion thereof or otherwise cause the Website or its contents to appear to be provided by anyone except Company and its affiliates;
• merge the Website or materials with another program or create derivative works based on the Website or materials;
• remove, obscure, or alter any notice of the copyright or other proprietary legends on the Website or materials;
• sublicense, assign, translate, rent, lease, lend, resell for profit, distribute or otherwise assign or transfer the materials or access to the Website to others;
• use the Website by means of any automated program, expert system, electronic agent or “bot,” and shall not give any person or entity access to the Website;
• utilize any “scraping,” copying, republishing, licensing, or selling the data or information on the Website.

PURCHASES AND PAYMENT

Company accepts a variety of payment methods as reflected on the Website. Before you can submit a request for purchase using the Website, you may be required to provide a valid card number and associated information for a payment card that you are authorized to use, including any of or all of the following: (i) your name as it appears on the card; (ii) the credit or debit card type, (iii) the card’s expiration date; (iv) any activation numbers or codes needed to charge your card; and (v) the billing address or zip code or postal codes associated with your card. You authorize Company and/or its affiliates, payment processor to use information you submit to charge your card or other payment method for the price of purchase requested, in addition to any taxes, fees, and charges as described in the T&C, at our convenience, including as early as at the time of the purchase request is submitted.

PROPRIETARY INFORMATION & TRADE SECRETS

The material and content accessible from this Website and any other website Company or its affiliates owns, operates, licenses or controls (the “content”) is the proprietary information of Company and its affiliates or the party that provided the Content to us, and Company and its affiliates or such party retains all right, title and interest in the content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, rented, leased, distributed, modified or transmitted in any way without the prior written consent of Company and its affiliates, except that you may print out a copy of the content solely for your own personal use. In doing so, you may not remove or alter, or cause the removal or alteration of, any copyright, trademark, trade name, service mark or any other proprietary notice or legend appearing on any of the content. Modification or use of the content, except as expressly provided herein, may violate Company’s and its affiliates’ intellectual property rights or a third party’s rights. Neither title nor intellectual property rights in the content are transferred or licensed to you by these Terms or your access of this Website.

Certain information provided to you by Company or its affiliates through non-public portions of the Website may be confidential or trade secret information. You may use or disclose such information only to the extent necessary for the purposes it was disclosed to you. You may not use the Website to circumvent the terms of any referral agreement or in any other manner that is not consistent with the business purpose of the Website. When reasonable, you must return or destroy such information when you have fulfilled such purpose.

INTELLECTUAL PROPERTY

Company and its affiliates (or the party that provided to Company) are the owner or licensee of all intellectual property rights on the Website (including trademarks, service marks and logos) and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved, and we or those parties retain all rights with respect to such respective marks. In accessing the Website you agree that you will access its contents and use it solely for your personal, non-commercial use. The Website, including its contents, may not be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.

The Company’s name and logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this Website, without prior written permission. You are not authorized to use our logo as a hyperlink to this Website unless you obtain our written permission in advance, although we permit you to use certain designated features of the Website to use our logo as a hyperlink for designated purposes. You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

Except as provided below, none of the materials of the Website may be copied, distributed, displayed, downloaded, or transmitted in any form or by any means without the prior written permission of Company and its affiliates or the intellectual property right owner. Unauthorized use of any materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, and/or other regulations and statutes. If you believe that any of the materials infringe on any of your intellectual property rights or rights of others, please contact us immediately at the address provided below. Except as expressly provided herein, Company and its affiliates and the third parties reserve all rights with respect to the Materials, and may pursue all legally available options under both civil and criminal laws (and may cooperate with law enforcement agencies) in the event of any violations, including but not limited to the right to terminate accounts of any user who has infringed a third party’s copyright. Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to the Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL NOT RECEIVE A RESPONSE.

HYPER-LINKS

We may hyper-link from the Website to other websites that are not maintained by, or related to, Company or its affiliates. Such hyper-links are provided as a service to you, and the other websites may not be officially sponsored by or affiliated with this Website or Company and its affiliates. Such other websites are solely responsible for their content. We are under no obligation to maintain any link on this Website and may remove any such link at any time in its sole discretion for any reason whatsoever. Access hyper-links and third party websites at your own risk.

COMPANY AND ITS AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE CONTENT OF HYPER-LINKED OR THIRD-PARTY WEBSITES. SUCH HYPER-LINKS ARE PROVIDED TO YOU “AS-IS” “WHERE IS,” AND WE SPECIFICALLY DISCLAIM ANY WARRANTIES WITH REGARD TO COMPLETENESS OR ACCURACY OF THESE HYPER-LINKS OR THE WEBSITES THAT ARE HYPER-LINKED TO THIS WEBSITE. THE INCLUSION OF ANY HYPER-LINK TO A THIRD-PARTY WEBSITE DOES NOT NECESSARILY IMPLY ENDORSEMENT BY OR AFFILIATION WITH COMPANY AND ITS AFFILIATES OF THAT WEBSITE.

SOCIAL MEDIA FEATURES

This Website may provide certain social media features that enable you to:

• link from your own or certain third-party websites to certain content on this Website.
• send e-mails or other communications with certain content, or links to certain content, on this Website.
• cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.

You may use these features solely as they are provided by us and solely with respect to the content they are displayed with and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

• establish a link from any website that is not owned by you.
• cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.
• link to any part of the Website other than the homepage.
• otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice. We may disable all or any social media features and any links at any time without notice in our discretion.

SUBMISSIONS

You hereby grant to Company and its affiliates the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display all stories, anecdotes, “Similes,” content, remarks, suggestions, ideas, graphics, inventions, methods, process, algorithms or other information communicated to us through this Website (collectively, the “Submission”), and to incorporate any Submission into other works in any form, media or technology now known or later developed. We may use any submission in our business (including without limitation, for products or advertising) without incurring any liability for royalties or any other additional consideration of any kind, and will not incur any liability as a result of any similarities to the submission that may appear in our future operations. By providing a Submission, you warrant that you have the right to provide the Submission and that all moral rights in the Submission have been waived.

COMPANY AND ITS AFFILIATES CANNOT AND DOES NOT GUARANTEE OR WARRANT THAT ANY FILES AVAILABLE FOR DOWNLOADING FROM THE INTERNET ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MAY HAVE CONTAMINATING OR DESTRUCTIVE PROPERTIES. YOU ARE RESPONSIBLE FOR IMPLEMENTING SUFFICIENT PROCEDURES AND CHECKPOINTS TO SATISFY YOUR PARTICULAR REQUIREMENTS FOR SECURITY, FOR ACCURACY OF DATA INPUT AND OUTPUT, AND FOR MAINTAINING A MEANS EXTERNAL TO THIS WEBSITE FOR RECONSTRUCTING LOST DATA. WE DO NOT ASSUME ANY RESPONSIBILITY OR RISK FOR YOUR USE OF THE INTERNET OR THE WEBSITE.

USE THIS WEBSITE AT YOUR OWN RISK. EXCEPT AS MAY BE EXPRESSLY STATED IN OTHER APPLICABLE TERMS AND CONDITIONS OR SIMILAR AGREEMENT, THE CONTENT IS PROVIDED “AS IS” AND "AS AVAILABLE" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY FUNCTIONS OR CONTENT CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE OF THE CONTENT OR RESULTS THEREOF IN TERMS OF ACCURACY, RELIABILITY OR OTHERWISE EXCEPT FOR THE PERSON AND/OR FOR THE USE INTENDED. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT COMPANY AND ITS AFFILIATES, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS WEBSITE OR THE CONTENT. WE MAKE NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

BY ACCESSING THIS WEBSITE, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, AND ANY SIMILAR LAW OF ANY STATE OR TERRITORY, WHICH PROVIDES AS FOLLOWS: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR."

The descriptions of products and services contained on this Website are intended to provide a reference guide to the types of products and services offered by Company and its affiliates and are not intended to be relied upon by clients or business partners. Some products and services referenced on this Website may not be available in all areas. Please contact us directly if you wish to obtain specific information concerning the products and services referenced on this Website. All of the information in this Website, whether historical in nature or forward-looking, speaks only as of the date the information was posted on this Website, and we do not undertake any obligation to update such information or to remove such information from this Website, if it is not or is no longer accurate or complete.

LIMITATION ON LIABILITY

TO THE EXTENT PERMITTED BY LAW OR REGULATION, COMPANY AND ITS AFFILIATES, ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER DAMAGES, INCLUDING LOSS OF USE, REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES THAT RELATES IN ANY WAY TO THE USE OF OUR WEBSITE OR WHICH MAY ARISE OUT OF ANY PERSON'S ACCESS OR INABILITY TO ACCESS THIS WEBSITE OR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. TO THE EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY AND ITS AFFILIATES AND ITS SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID TO COMPANY OR ITS AFFILIATES FOR THE APPLICABLE CONTENT OR SERVICE OUT OF WHICH LIABILITY AROSE. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, COMPANY’S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH STATE OR JURISDICTION WHICH YOU HEREBY CONSENT TO.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Company and its affiliates, its subsidiaries, licensors, content providers, service providers, employees, agents, officers, directors and contractors (the “Indemnified Parties”) from any breach of these T&C by you, including any use of the content other than as expressly authorized herein, and any claim that your submission violates a third party’s intellectual property or other rights, including the rights of publicity and privacy, or defames a third party. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the content and this Website.

INFORMATION YOU PROVIDE

You may not post, send, submit, publish or transmit in connection with the Website any material that:

• you do not have the right to post, send, submit, publish or transmit, including any proprietary material of a third party;
• advocates illegal activity or discusses an intent to commit an illegal act;
• is vulgar, obscene, pornographic or indecent;
• does not pertain directly to the Website;
• threatens or abuses others; or libels, defames, invades privacy or stalks; or is racist, harassing, threatening or offensive;
• seeks to exploit or harm minors or older adults by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
• infringes any intellectual property right or other right of any entity or person, including violating anyone’s copyrights or trademarks, or their rights of privacy or publicity;
• violates any law or may be considered to violate any law;
• impersonates or misrepresents your connection to any other entity or person, or otherwise manipulates headers or identifiers to disguise the origin of the content;
• advertises any commercial endeavor (e.g., products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners or soliciting goods or services, or any combination thereof) except as may be specifically authorized on this Website;
• solicits funds, advertisers or sponsors;
• includes programs that contain viruses, worms, Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications or any combination thereof;
• amounts to a "pyramid" or similar scheme;
• disobeys any policy or regulations established from time to time regarding use of this Website or any networks connected to this Website; or
• contains hyper-links to other websites that contain content that falls within any description set forth above.

WE RESERVE THE RIGHT TO MONITOR USE OF THIS WEBSITE IN ORDER TO DETERMINE COMPLIANCE WITH THESE TERMS OF USE, AND RESERVES THE RIGHT TO REMOVE OR REFUSE ANY INFORMATION FOR ANY REASON. NOTWITHSTANDING THESE RIGHTS, YOU REMAIN RESPONSIBLE SOLELY FOR THE CONTENT OF YOUR SUBMISSIONS. YOU ACKNOWLEDGE AND AGREE THAT NEITHER COMPANY AND ITS AFFILIATES NOR ANY THIRD PARTY THAT PROVIDES CONTENT TO US WILL ASSUME OR HAVE ANY LIABILITY FOR ANY ACTION OR INACTION BY US OR SUCH THIRD PARTY WITH RESPECT TO ANY SUBMISSION OF YOURS. EXCEPT AS EXPRESSLY PROVIDED HEREIN, COMPANY AND ITS AFFILIATES AND THE THIRD PARTIES RESERVE ALL RIGHTS WITH RESPECT TO THE WEBSITE, AND MAY PURSUE ALL LEGALLY AVAILABLE OPTIONS UNDER BOTH CIVIL AND CRIMINAL LAWS (AND MAY COOPERATE WITH LAW ENFORCEMENT AGENCIES) IN THE EVENT OF ANY VIOLATIONS.

ARBITRATION AND CLASS ACTION WAIVER

PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM COMPANY. Excluding claims for injunctive or other equitable relief, for all other claims related to the Website, including any goods or services purchased through the Website, any dispute or controversy arising out of or relating to this Agreement, including without limitation, any and all disputes, claims (whether in tort, contract, statutory or otherwise) or disagreements concerning the existence, breach, interpretation, application or termination of this Agreement shall be resolved by final and binding arbitration pursuant to the Federal Arbitration Act and in accordance with the JAMS Inc. Comprehensive Arbitration Rules & Procedures then in effect. There shall be no right or authority for any claims to be arbitrated on a class action basis. The arbitration shall take place in Fairhope, Alabama or at the option of the party seeking relief, by telephone, online, or via written submissions alone; however such election shall not prohibit Company from attending such an arbitration in person. Said arbitration shall be administered by JAMS. The arbitral tribunal (“Tribunal”) shall be composed of one arbitrator, who shall be independent and impartial. If the parties fail to agree on the arbitrator within twenty (20) calendar days after the initiation of an arbitration hereunder, JAMS shall appoint the arbitrator. The arbitration shall be conducted in the English language. The decision of the arbitrator will be final and binding on the parties, subject to all rights of appeal allowed by JAMS. Judgment on any award(s) rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitrator shall have the authority to determine arbitrability of any disputes arising out of or relating to this Agreement. Nothing in this Section shall prevent either party from seeking immediate injunctive relief from any court of competent jurisdiction, and any such request shall not be deemed incompatible with the agreement to arbitrate or a waiver of the right to arbitrate. The parties undertake to keep confidential all awards in their arbitration, together with all confidential information, all materials in the proceedings created for the purpose of the arbitration and all other documents produced by the other party in the proceedings and not otherwise in the public domain, save and to the extent that disclosure may be required of a party by legal duty, to protect or pursue a legal right or to enforce or challenge an award in legal proceedings before a court or other judicial authority. The arbitrator shall award all fees and expenses, including reasonable attorney’s fees, to the prevailing party. Any judgment rendered by the arbitrator may be entered in any court of competent jurisdiction.

You may choose to opt out of the agreement to arbitrate by mailing a written opt-out notice (“Notice”) to Company. The Notice must be postmarked no later than thirty (30) days after the date you accept these T&C for the first time. The Notice must be mailed to: Trawick International, Inc., Post Office Box 2284 Fairhope, Alabama USA 36533, to the attention of General Counsel. This procedure is the only mechanism by which you can opt out of the agreement to arbitrate. Opting out of the agreement to arbitrate has no effect on any other parts of this Agreement, or any previous or future arbitration agreements that you have entered into with Company or its affiliates.

GOVERNING LAW

These Terms of Use are governed and interpreted by the laws of Alabama, United States of America notwithstanding any principles of conflicts of law. We make no representation that materials on this Website are appropriate or available for use in other locations. Those who choose to access this Website from other locations do so on their own initiative and are responsible for compliance with applicable local laws.

If you are a consumer, the provisions in these T&C are intended to be only as broad and inclusive as is permitted by the laws of your State of residence. If you are a New Jersey consumer, the terms of “Disclaimer” and “Limitation of Liability” sections above do not limit or waive your rights as a consumer under New Jersey law and the provisions in this Agreement are intended to be only as broad and inclusive as is permitted by the laws of the State of New Jersey. In any event, we reserve all rights, defenses and permissible limitations under the law of your State of residence.

At this Website, Company and its affiliates make no active effort to collect personal information from individuals under the age of eighteen (18). We require that Website users must be of legal age to enter into agreements (typically, at least eighteen (18) years of age or older).

NOT A SECURITY OFFER

The information contained on this Website is not an offer to sell or a solicitation to buy any security. No security is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction.

SEVERABILITY

If any part of the T&C is unlawful, void or unenforceable, that part will be deemed deleted and will not affect the validity and enforceability of any remaining provisions. The waiver of a breach of any provision of the T&C by a party will not operate or be construed as such party’s waiver of any other or subsequent breach. The T&C constitute the entire agreement between you and Company and its affiliates relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this Website will govern the items to which they pertain.

EMPLOYMENT OPPORTUNITIES

Company and its affiliates are an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, sex, religion, disability or national origin. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.

For further information, or inquiries about the T&C, please contact:

Trawick International, Inc. Attn: General Counsel Post Office Box 2284 Fairhope, Alabama USA 36533 Toll Free: (888) 301-9289

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

NOTE: THE FOLLOWING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING THE SERVICE PROVIDERS REFERENCED BELOW THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.

Pursuant to Title 17, U.S. Code, Section 512(c)(2), written notification must be submitted to the following Designated Agent/Service Provider:

Trawick International, Inc. Fairhope, Alabama USA 36533

Name of Agent Designated to Receive Notification of Claimed Infringement: Daryl Trawick

Full Address of Designated Agent to Which Notification Should be Sent: Post Office Box 2284 Fairhope, Alabama USA 36533

Telephone Number of Designated Agent: (888) 301-9289

To Be Effective, the Notification Must Include the Following:

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
• Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;
• Information reasonably sufficient to permit the service provider to contact the Complaining Party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted;
• A statement that the Complaining Party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• A statement that the information in the notification is accurate, and under penalty of perjury, that the Complaining Party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

WARNING RE COVID-19

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

• What is covered?
• What is not covered?
• When am I covered?
• Where can I travel?
• Who is covered?
• Travel Tips
• Types of Plan & Eligibility
• Medical Cover
• Baggage Cover
• Sports and Sporting Equipment
• Trip Cancellation
• Nomination of Beneficiary/IES

Chubb Assistance

Travel Smarter with Chubb Travel Insurance

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

Claims Made Easy

Process your claim as quickly as possible. What to do in the event of an insured loss under your policy, how to submit your claim and an outline of the required documents to support your claim.

Quality travel insurance at an affordable price

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

Access to a global team of travel experts

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

Fast, fair and efficient handling of claims

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

24hours emergency assistance +63 2 8864 0865

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

You may contact us via the following

Insurance Company of North America (a Chubb Company)

24th Floor Zuellig Building Makati Avenue corner Paseo De Roxas Makati City 1226 Philippines

Chubb Customer Hotline

Tel: +63 2 8849 6000 Mondays – Fridays, 08:30 a.m. – 5:30 p.m. (excluding public holiday) E-mail:  [email protected]

For 24-hour emergency medical and travel assistance, call Chubb Assistance +63 2 8864 0865

Chubb Worldwide Offices

For the mailing address, telephone number and email address of any Chubb office in our global network, use our office locator.

Chubb.Insured.™

• About Chubb
• Terms of Use
• Chubb Insurance

©   Insurance Company of North America (a Chubb Company). This policy is underwritten by Insurance Company of North America (a Chubb Company), a registered non-life insurance company with Certificate of Authority No. 2016/34R issued by the Insurance Commission. Full details of the terms, conditions and exclusions of this insurance are provided for in the  Policy Wording  documentation. Please read our  Personal Data Protection Policy .

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Travel Insurance For A Trip To The Philippines (2024)

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

in under 2 minutes

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

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

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

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

Do I Need Travel Insurance To Visit The Philippines?

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

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

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

Compare Philippines Travel Insurance Companies

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

Why Trust MarketWatch Guides

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

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.

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Travel Insurance Plan

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

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

Eligibility and Coverage

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

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

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

Calculate Your Premium

Total Premium:

Flight Assistance Benefit

Flight Delay

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

Trip Cancellation

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

Missed Connecting Flight

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

Baggage Delay

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

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

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

Loss of Travel Documents

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

Trip Curtailment

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

Aircraft Hijack

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

Medical Assistance Benefit

Hospital Income

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

Medical and Hospitalization Expenses

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

Delivery of Medicines

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

Emergency and Accidental Dental Expenses

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

Repatriation of Mortal Remains

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

Arrangement for Funeral Assistance

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

Medical Evacuation or Repatriation

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

Compassionate Visit

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

Other Benefits

Assistance of bail bond payment.

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

Personal Liability

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

Personal Accident and Disablement

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

Child Guard

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

Advance of Money

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

View Your Policy

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

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

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Travel Insurance For Vietnam: Everything You Need To Know

Published: Apr 25, 2024, 12:17am

Table of Contents

Do australians need travel insurance for vietnam, what does travel insurance for vietnam cover, frequently asked questions (faqs).

Vietnam is an increasingly popular travel destination for Australians, with the country even hoping to encourage more Aussies to visit by potentially waiving visa requirements in due time.

The Southeast Asian country is set to be high on the list for Aussies going overseas in 2024. The number of Australian tourists in Vietnam now exceeds pre-pandemic levels: more than 317,000 Australians visited Vietnam in 2019 , while there were 390,000 Aussie visitors in 2023.

Plus, as more and more flights become available, such as low-cost carrier Vietjet Air launching a direct service between Hanoi and Melbourne earlier this year, getting to Vietnam is becoming easier for Australians.

If the direct flights, fascinating history, vast scenery and delicious food aren’t enough to convince Australian travellers, the cost may be. Vietnam is considered one of the cheapest travel destinations in the world for Australian tourists due to our strong conversion rate against the Vietnamese Dong and the nation’s low cost of living in comparison to our own.

And while cheap thrills may be what you’re after on your vacation, it’s important not to skimp on the necessities that may cost that little bit extra—such as travel insurance. This guide outlines what you need to know regarding travel insurance in Vietnam.

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Cover-More Travel Insurance

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Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Investing in travel insurance is a good idea for any overseas trip. Travel insurance policies can help protect you from having to dive deep into your pockets, with many offering unlimited medical treatment while abroad and cancellation cover for your trip should the unexpected occur.

Travel insurance is not just handy for medical purposes or travel changes, either. Your personal items can be covered, should any baggage go missing or an important item be stolen—which, unfortunately, often occurs in Vietnam.

Smarttraveller warns Australians to be alert at all times in Vietnam, considering petty theft–including bag slashing–is common in tourist areas and crowded places, especially during holiday times. Snatch-and-grab theft by thieves on motorcycles is also common, the website states.

Like most international travel insurance policies, you will be able to find basic coverage for your trip to Vietnam, or choose to opt for a more comprehensive, albeit more expensive, policy.

While a basic policy will often cover medical expenses and lost luggage,a comprehensive policy includes a lot more. Most basic policies also likely won’t offer compensation for travel delays, stolen cash, accidental death and more.

Additionally, if you are going on a trip to multiple countries within the year, it may be worth opting for an ‘annual multi trip’ insurance instead—making sure that there are no exclusions to the regions you are wishing to visit.

Visa Requirements For Australians Travelling to Vietnam

You’ll still be allowed to travel to Vietnam if you don’t invest in travel insurance, but you do so at your own risk—and, as stated, it is highly advised to have a travel insurance policy for any overseas trip.

However, what you cannot do is enter Vietnam as an Australian tourist without a tourist visa. While Vietnam will grant Australian citizens visas on arrival, applying for one online is much easier.

A tourist visa costs under $100 AUD; however the exact price depends on your length of stay.

The Vietnamese government may consider waiving visas for Australian citizens, especially since many other SEA countries have done so such as Indonesia and Thailand .

However, at the time of writing, Forbes Advisor Australia has confirmed that Australian citizens must still obtain a visa to visit Vietnam for tourism purposes.

The exact inclusions of your travel insurance will be dependent on your personal policy and the provider.

However, generally speaking, you can expect a travel insurance policy for Vietnam to offer some level of cover for:

• Medical expenses;
• Lost, damaged or stolen luggage;
• Travel cancellations or delays ;
• Personal liability;
• Credit card fraud;
• Covid-19 expenses;

If you are partaking in certain sports and activities, you will need to make sure that you choose a policy that covers them. You’ll also need to make sure that your policy covers any pre-existing medical conditions as well.

Plus, if you are travelling with valuables, you may wish to opt for a policy that lets you increase the protection cover on your items.

Ultimately, you need to consider what your trip consists of, what you will be taking with you, and your physical health to establish what policies would be appropriate for you.

From there, you can compare quotes of different policies and providers to ensure you have the optimal—yet affordable—cover for your trip to Vietnam.

Does Travel Insurance Cover The Ha-Giang Loop?

Considered one of the most scenic motorcycle routes in the world, the Ha-Giang Loop is a popular tourist activity in Vietnam for adventurous travellers. If the Ha-Giang Loop is one of your goals, you’ll need to make sure you have travel insurance that covers motorcycling.

Occasionally a policy may include this as one of their included ‘sports and activities’, but it is more often the case that you will need to purchase an additional ‘adventure pack’ that is either specific to, or includes, motorsports.

Even so, when purchasing an additional pack to cover motorbikes, you need to be cautious of the conditions. For example, some policies will only cover motorcycle riding if the bike you are riding has an engine under a certain size.

Often, coverage will cease and claims won’t be accepted if you haven’t been wearing the correct safety equipment such as boots and a helmet, or have been under the influence of drugs and alcohol.

What Does Travel Insurance Exclude?

Your travel insurance policy may exclude some activities that you wish to partake in, unless you can opt-in to purchase an additional adventure pack as explained above in regards to motorbike riding.

Just like with the inclusions of a policy, the exclusions depend on what type of policy you choose, and what provider you go with.

Commonly, however, you won’t be covered for instances where you:

• Break the law;
• Are under the influence of alcohol or drugs;
• Partake in an excluded activity;
• Receive medical treatment for a pre-existing condition that was not disclosed;
• Travel to a ‘Do Not Travel’ destination as outlined by Smarttraveller.

As always, it is essential to read the product disclosure statement (PDS) of your travel insurance policy carefully to understand what you will and won’t be covered for while overseas.

Do I need a visa to travel to Vietnam?

Yes, as of April 2024, Australian tourists still need a visa to travel to Vietnam. This visa can be obtained on arrival, or purchased online prior to travel. The visa takes approximately three days to process online, and the cost depends on how long you intend to stay in the country.

Does international travel insurance cover Covid-19?

Many comprehensive travel insurance policies now cover Covid-19, including medical conditions related to Covid-19 or trip cancellations due to a Covid-19 diagnosis. However, it is not guaranteed that all policies will. It’s important to check your policy’s PDS carefully to understand what it will and will not cover in regards to Covid-19 for both you and your travelling companions.

Related: Travel Insurance And Covid: Are You Covered?

How much does travel insurance cost for Vietnam?

The cost of your travel insurance for a trip to Vietnam will depend on your age, your health, the activities you wish to partake in, and the length of your stay.

For example, for a 34 year old with no pre-existing medical conditions travelling to Vietnam for two weeks, a policy from some of our top choices for comprehensive travel insurance would cost around $130 (based on quotes from Cover-More , 1Cover , and Fast Cover ).

The prices of these quotes would change depending on a chosen excess, cancellation cover, and any additional coverage options you may choose to purchase such as adventure packs or cruise cover.

Related: How Much Does Travel Insurance Cost?

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Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.