Compare the Best Travel Insurance in the Philippines!

Going for a vacation or business trip? Make sure your trip is insured before you leave your home. Check out our comparison of the top travel insurance in the Philippines based on their travel benefits. All travel insurance policies are for international destinations.

Premium Per Trip Starts At	COVID-19 Coverage	Personal Accident	Medical Coverage	Trip Cancellation	Baggage Delay	Personal Liability
₱299	✔️	Up to ₱1 million	Up to ₱2.5 million	Up to ₱125,000	Up to ₱5,000	Up to ₱1.5 million
₱365	None	Up to ₱1.5 million	Up to ₱2 million	Up to ₱60,000	Up to ₱3,000	Up to ₱1 million
₱390	✔️	Up to ₱1 million	Up to ₱2.5 million	Up to ₱50,000	Up to ₱5,000	Up to ₱1 million
$10.50	None	Up to $100,000	Up to $100,000	Up to $2,000	Up to $100	Up to $30,000
₱608.01	✔️	Up to ₱5 million	Up to ₱2 million	Up to ₱200,000	Up to ₱50,000	Up to ₱2 million
₱913	✔️	Up to ₱2.5 million	Up to ₱2.5 million	Up to ₱80,000	Up to ₱6,000	Up to ₱1.5 million
Upon request	None	Up to $100,000	Up to $100,000	Up to $3,000	Up to $200	Up to $80,000

Travel Insurance FAQs

What is travel insurance?

Travel insurance is a type of insurance that provides protection against unforeseen inconveniences and mishaps during a trip. It covers events such as lost passport, lost or delayed baggage, trip cancellation, accident, medical expenses abroad, and death.

Why should you buy travel insurance?

The reason travelers get this insurance coverage is to travel with peace of mind. Generally, getting travel insurance in the Philippines is a good idea because it reimburses non-refundable travel expenses.

When should you buy travel insurance?

If you have an upcoming trip and you want to get travel insurance, buy a policy weeks before your scheduled trip. This gives you enough time to review the policy and the coverages that come with it. Some travel insurance plans also have a short turnaround time, so get travel insurance as soon as you finalize your travel plans.

What type of coverage should I expect from my travel insurance?

Personal Accident Benefits. Most travel insurance policies cover death and burial expenses in the event the insured died or suffered permanent disability during the trip.
Travel Inconvenience Benefits. Got your flight cancelled? A travel insurance policy can reimburse you from expenses brought about by various travel inconveniences.
Medical and Hospitalization Benefits. When you get hospitalized while on your trip, travel insurance can get you the proper medical care wherever you are in the world.
Personal Liability Benefits. A travel insurance policy should also reimburse you for the loss of personal items like baggage, documents, and other belongings during the trip.
24/7 Travel Assistance Benefits. You should be able to reach your insurance provider whenever and wherever you need them.

What are the usual exclusions of travel insurance?

Not every scenario is covered by your travel insurance. These situations or instances are not covered by most travel insurance in the Philippines:

Pre-existing conditions
Pregnancy-related reasons
Sexually-transmitted diseases
Extreme sports and other dangerous activities
Unattended baggages
Mental health disorders
War-related damages

Do travel insurance providers cover COVID-19 cases?

Most insurance providers now provide coverage for hospitalization and medical expenses related to COVID-19 if the insured gets infected during the trip. However, trip postponement or curtailment due to COVID-19 protocols are usually not included in travel insurance coverages.

How much will I pay for travel insurance?

The price of your travel insurance premium will depend on the number of travelers, the age of all insured, and the destination. Insurance providers could add more factors that will affect the price of your premium.

How do I pay my travel insurance premium?

It depends on your insurance provider but usually, you can pay through the following payment methods:

Credit or debit card
Auto-debit arrangements
Online banking websites and apps
Over-the-counter at banks and payment centers
Post-dated checks

How often should I pay my travel insurance premium?

For short-term travel insurance, you can pay a one-time premium days before your scheduled trip. If you’re a frequent traveler, you can get a term travel insurance and pay monthly or annually.

PROVIDER	ANNUAL PREMIUM STARTS AT
	Upon request
	Upon request
	₱7,075/year
	$284.50/year
	₱7,034.18/year
	Upon request
	Upon request

What’s the difference between group and family plans?

The main difference between group and family plans is that for family plans, you can include children below 18 in your travel insurance. Group insurance are usually for adult travelers looking to insure everyone in one convenient payment.

I don’t have life or health insurance. Should I get travel insurance?

Yes! Travel insurance is useful for travelers who have no life or health insurance coverage, especially those with dependents.

Even if the odds of illness or death while traveling are low, you’d want to have the kind of protection you don’t currently have, for when you need funds to cover your medical expenses until you return home.

I travel abroad frequently. Should I get travel insurance?

Yes! You need to have insurance each time you’re traveling abroad. Even if you already have a life or health insurance policy, your medical expenses might not be covered if you get hospitalized overseas. Only a few life insurance policies in the Philippines include coverage for hospitalization and medical treatments abroad.

Medical costs in foreign countries can be expensive, too. You might not have enough cash for out-of-pocket medical expenses. This is where travel insurance comes in handy, as you won’t have to be burdened as much when paying for medical bills while you’re on an overseas trip.

Do I need travel insurance when applying for a Schengen Visa?

Filipinos traveling to Europe are required to buy a travel insurance policy before applying for a Schengen visa. Also, the insurance policy should come from an accredited Schengen-compliant insurance company in the Philippines.

Travel insurance for Schengen visa application should cover the entire period of stay in all member-states of the Schengen Area, regardless of the purpose of visit (e.g., tourism, business, education, etc.), with a coverage of at least €30,000 (approximately ₱1.7 million) for medical emergencies, hospitalization, and repatriation in case of death.

My credit card comes with free travel insurance. Should I still get one?

You should still consider getting a separate travel insurance policy because most travel insurance that comes with your credit card doesn’t cover certain illnesses and emergency assistance coverage that a standard travel insurance policy usually has.

Is every destination covered by travel insurance?

Not all destinations are covered by travel insurance providers. Some areas in Mindanao are not covered by insurance due to various reasons. War-torn countries and identified countries sanctioned by the United Nations are also not covered.

Some insurance providers don’t cover destinations where the government has already advised the public not to travel to. This includes countries with travel bans due to high COVID-19 cases.

How do I make a travel insurance claim?

When filing a travel insurance claim, it’s important to know that you have to inform your insurance provider as soon as possible. And if possible, you should also document every detail of your claim. Here is the standard procedure when making a travel claim:

1. Call your insurance provider as soon as the incident happens, especially if the situation requires emergency medical assistance.
2. Prepare and gather as much proof as you can.
3. Fill up the necessary claim forms provided by your insurer.
4. Prepare the necessary documents required to make a claim.
5. Send all the documents and proof to your insurance provider.

What are the requirements for filing a travel insurance claim?

To check the complete list of requirements for filing a claim, check with your insurance provider. But usually, these are the common requirements for each type of claim:

Basic travel insurance requirements:

Accomplished form from your insurance provider
Copy of your airline ticket
Copy of your passport

For personal accident:

Copy of police report
Copy of medical report or certificate from attending doctor
Copy of death certificate from PSA
Photo proof of full body or disabled body part

For medical expenses:

Copy of medical report or certificate from attending doctor
Copy of medical invoices and receipts
Copy of laboratory procedure and results
Copy of police or incident report
Copy of hospital statement of accounts

For trip cancellation:

Copy of advance payment proof
In case of medical emergency, a copy of medicap report
In case of death, a copy of death certificate from PSA
Any document proving trip cancellation

For baggage delay or loss:

Copy of baggage irregularity report
Copy of acknowledgement receipt with time and date when the baggage was retrieved
Copy of police report of loss or damage and the list of items lost

Learn More About Travel Insurance in the Philippines:

Need more help with your travel insurance needs? Or maybe you’re looking for general travel tips? Find all of that and more in our extensive Moneymax guides.

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