travel insurance to usa from philippines

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

Travel Insurance Info

Travel insurance for philippines to usa trips, travel insurance is required by the philippine immigration for all outbound filipinos traveling on tourists visas. the usa government does not require travel insurance for incoming tourists..

USA Travel - What type of insurance is needed

A well known fact is that medical costs in the United States are much more expensive than most countries. This is because medical drugs, supplies, and possibly salaries of medical workers are relatively higher among developed countries worldwide. Healthcare costs in the U.S. are among the highest in the world in all categories. 

We do not expect to get sick during our travel in the states, but unfortunate events can happen. If you are a Filipino, most likely you do not have insurance coverage that can cove r expenses if you need medical attention while you are in the US.

Getting travel insurance is a cost-effective way to protect you against unfortunate events while traveling, especially in the United States.

How much travel insurance do I need for USA?

Entering the borders of the United States does not require travel insurance. Unlike traveling to the Schengen area in Europe where it is required before you get a visa, insurance is not mandatory for US travel.

If you are a Philippine passport holder traveling to USA on tourist visa, you are required to have a travel insurance policy with COVID-19 coverage. No specific amount of coverage required. Simply ensure COVID-19 medical expenses are covered while you are in the US. This is for immigration purposes upon your departure from Philippines.

USA travel during this pandemic

Before leaving the Philippines, the Bureau of Immigration will require you to have travel insurance with COVID-19 medical coverage . This is true if you are traveling on a tourist visa, which will signify that your travel is non-essential. This is in addition to the many required documents needed in prepration for a US trip.

More than travel insurance being a requirement by the Philippine government for outbound non-essential travel , it can protect you from expensive medical costs while traveling in the US, which can cost thousands or even millions of pesos, depending on the seriousness of your illness or injury.

COVID-19 Insurance Coverage

Common travel insurance plans available in the Philippines cover medical expenses while traveling outside the country. Do note, however, that most travel insurance plans available will not cover COVID-19, so it will be best to double check it with your insurance provider.

COVID-19 medical cover is an important coverage if you will travel in the middle of this pandemic. Especially if you acquire COVID-19 that cause you to have moderate to severe symptoms. It may need you be hospitalized, potentially costing you thousands of dollars.

When the outbound travel has been allowed almost two years ago, in the middle of global lockdowns, travelinsurance.com.ph 's clients usually purchase the following plans for their USA travel, in which the COVID-19 medical cover can be added to the policy:

• Starr TraveLead Essential
• Starr TraveLead Extra
• Assist Card AC 35
• Assist Card AC 60

This is because during this time, when the risks of COVID-19 are yet to be deeply explored, only Starr and Assist Card provide COVID-19 coverage for their travel insurance products. 

For Starr and Assist Card travel insurance plans, maximum limit for COVID-19 medical expenses up to Php 1,000,000, Php 2,500,000, or US$ 50,000, depending on which TraveLead or Assist Card plan is selected.  

If the insured person is diagnosed COVID-19 positive while in the United States, the insurance policy can cover medical expenses to treat and manage COVID-19, up to the maximum medical expense limit indicated in your plan's travel insurance policy.

Starr and Assist Card are accepted by Philippine Immigration

If the outbound traveler is a Philippine-passport holder and will be traveling to the United States on a tourist visa, the Philippine Immigration will check if you have travel medical insurance with COVID-19 cover.

Starr's travel insurance plans can cover up to Php 2,500,000 or US$ 50,000 medical expenses  (including COVID-19),  making it eligible for PH immigration requirements for outbound travelers.

How much is travel insurance for USA trips?

The cost of travel insurance is determined through a variety of factors. This includes the age of traveler, the duration of coverage and the benefit limits. Destination can also influence the premium.

Below are cost estimates of travel insurance, depending on the duration of travel. This already includes COVID-19 medical coverage:

• 2 weeks: starts at Php 1,300 
• 1 month: starts at Php 2,300 
• 2 months: starts at Php 4,200 
• 3 months: starts at Php 6,200 
• 4 months: starts at Php 8,400 
• 5 months: starts at Php 10,200 
• 6 months: starts at Php 12,000 

Cost indicated is per person. Estimates of premiums above assume the traveler is below 75 years old.

If you wish to know the exact cost and interested in further details, you may Contact Us or send a message through Facebook .

Other travel insurance coverages included

• Accidental Death & Disablement Benefits
• Medical expenses (COVID-19 is covered)
• Travel delays
• Baggage delay
• Baggage loss
• Personal Liability
• Emergency Assistance 
• Medical Evacuation & Repatriation

Is it allowed to travel to USA?

Travelers from the Philippines are allowed to travel to the USA, even if travel is non-essential.

Why Starr Travel Insurance is best for USA trips

Starr, which is also the parent company of Assist Card, has a wide presence globally, especially in the USA. Its global headquarters is located in New York City. It also has regional offices in key US cities including Los Angeles, San Francisco, Boston, Chicago, Atlanta, and Dallas.

Also, Starr has been rated A (Excellent ) by AM Best, a credit rating agency that focuses on the insurance industry. This means Starr is financially strong and is more than capable of paying its obligations to its policyholders.

In addition, Starr is closely affiliated with Assist Card, a reputable & experienced travel assistance company with wide reach within the Americas. Having a Starr or Assist Card travel insurance policy gives you access to the Assist Card network, which can act as your travel concierge wherever you are in the United States of America. In this way, you can focus on enjoying your USA travel to the fullest, knowing that there is a company that can assist you in case of unfortunate events, especially emergencies that may happen during the course of your travel.

How to get travel insurance

For questions and quote requests about these travel insurance plans, please send us a message through our Contact Us form or send us a message through Facebook .  

Kindly provide your name, age, destination and duration of travel and we will get back to you with your travel insurance options as soon as possible.

Annual Travel Insurance - a guide for tourists from the Philippines

Travel Tips

Schengen visa application: 5 major steps for employed filipinos.

• Global travel destinations
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• Travel to USA

Travel Insurance from Philippines to USA

Compare and buy the best visitor travel insurance, buy visitor travel insurance.

Visitor travel insurance coverage - Highlights

Health care expenses.

Covers hospital expenses for sickness or accidents.

Doctor visit

Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains

Repatriation of remains to home country included.

Compare and buy the best Immigrant insurance

Us immigrant travel insurance coverage - highlights.

Compare and buy Student insurance

International student health insurance coverage - highlights.

Covers doctor visits in case of sudden injury or sickness.

Sports Activities

Some plans cover high school sports activities.

Hospital medical expenses for sickness or accidents during coverage.

International students who need coverage for existing medical ailments.

Maternity Coverage

Some plans offer coverage for pregnancy, maternity and new born.

Repatriation of remains expenses to home country in case of death.

Compare and buy Pre-Existing insurance

Visitor travel insurance Pre-existing conditions coverage - Highlights

What does visitor travel insurance cover.

Testimonials - From Our Customers

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Best travel Insurance for Philippines, Philippines travel insurance requirements

Philippines Inter-Agency Task Force for the Management of Emerging Infectious Diseases (IATF) has made the following requirements mandatory for international tourists from non-visa required countries to visit the Philippines in February 2022:

• Philippines travel insurance with coverage for Covid19 treatment with a minimum of $35,000 USD (approx P1.75 million) for the entire stay in the Philippines.
• A negative RT-PCR Covid test taken 48 hours before departure from the country of origin
• A valid return ticket to port of origin or next port of destination no longer than 30 days after arrival in the Philippines
• Valid passport with at least six months validity from the time of arrival in the Philippines

Resourceful tourist insurance USA information

Find the best travel insurance, how does travel insurance work, how to buy travel insurance, travel insurance glossary, travel insurance for specific groups, compare travel insurance plans, travel insurance philippines to usa.

The travel restrictions in the Philippines have been relaxed and the airports are crowded with travelers heading to various destinations around the globe for purposes of tourism, business development, studies, employment and many other reasons. Due to the surge in the number of travelers traveling outside the country, an immigration check is necessary to make sure that the Filipinos going outside have proper documentation to protect them against illegal recruitment and human trafficking. Despite taking measures, many first time travelers from the Philippines are vulnerable to exploitation.

So, here is the rule. Under the revised travel guidelines, all Filipino international travelers going outside of the country are required to carry the basic documents which are:

• Passport with validity of 6 months from the date of departure
• Valid and appropriate Visa if applicable.
• Boarding Pass
• Return or round trip ticket for certain passengers if applicable
• Any additional document may be required depending on the purpose of travel by the Immigration Officer
• Travel Insurance with Covid-19 Cover is not required but it is recommended

Healthcare expenses are very expensive outside of the Philippines and travel Insurance with the Covid-19 coverage will be very helpful in case of any unexpected occurrence of Covid-19 or any sickness or injury.

For US citizens living in the US visiting the US for a short period of time, there are travel health insurance plans that provide coverage during their stay.

HealthCare in the US can be very expensive to pay out of pocket and buying travel health insurance for covering the unexpected medical expenses is advides for a relaxed trip experience.

Traveling overseas? Compare best insurance plans for your international travel with coverage for Covid19

Traveling internationally in the current situation where many popular holiday spots have become coronavirus hotspots has made international travelers all around the globe vulnerable. Protection towards the risks involved while traveling overseas is of utmost importance. Travelers can get a wide range of plans by comparing visitor health insurance with covid coverage on our visitor insurance compare tool . This comparison tool provides clarity on the questions that you may regarding visitors insurance for covid19. Additionally, our visitors insurance compare tool also has a specific “filter” option where you can view only plans with covid-19 coverage.

Best travel insurance from Philippines to USA

The Filipinos are one of the oldest Asian ethnic group in the USA. Filipino sailors were the first Asians immigrants in North America. The presence of Filipinos in the US is dated back to 1587 to California. During the Spanish territory, Texas was referred to as the "The New Philippines". There were several waves of Filipino migration to the US. Given the long cultural connection between the US and the Philippines, new migrants from the Philippines find it easy to assimilate in the USA. The Philippines is in fact one of the largest exporters of healthcare workers in the world with over 2.2 million Filipino workers overseas. Millions of Filipino workers have migrated to the US looking for better economic status and better future prospects. There is also an increased number of Philippine students who come to the US for higher education. In 2019, there were 4.2 million Americans with Filipino ancestry. It is only natural that many Filipinos in the US have family and friends visit them in the US. Given the very high cost of US healthcare, it is imperative that Filipino travelers to the US buy good US travel insurance.

Relocating to a new country for better economic opportunities brings in a lot of excitement, but it is crucial that all new US immigrants have good health insurance. While planning to migrate one should consider various aspects that may increase the chances for illness. A good immigrant health insurance plan will provide coverage for medical expenses incurred in case of any injury or illness. Healthcare in the US is very expensive and visiting a hospital without insurance ,one may land up in a huge financial crisis. At American Visitor Insurance, buying travel insurance is easy. Travelers can compare several plans for prices and benefits from the comparison tool according to the requirements .Feel free to give us a call or email us and one of our customer support licensed agents will be able to help you.

USA travel insurance - FAQ's

Which travel insurance covers the usa.

Travel health insurance gives protection towards unexpected medical and travel emergencies that may occur while you travel outside of the home country. It is very crucial for travelers to the US to buy a good travel insurance plan during the Covid-19 pandemic for safe travel. Travelers can purchase travel insurance plans covering the USA on various platforms. Travelers can buy travel insurance for the USA at the American Visitor Insurance website easily. There are several international travel insurance plans that offer coverage for US travellers. For more details travelers can call the customer service or email and the team will be glad to help.

What does US travel insurance cover?

A standard US travel insurance plan offers protection for all unexpected travel and medical illness or injury during the trip. Trip cancellation insurance provides coverage for acute onset of pre-existing conditions, medical emergencies, trip cancellation, trip interruption, delays and medical evacuation, lost -damaged, or stolen of the luggage.

Can I travel to the USA without travel insurance?

Yes, one can travel to the USA without travel insurance, however this is very risky given the high cost of US healthcare services. One can easily buy travel insurance for USA online by comparing available popular options on American Visitor Insurance.

I am already in the US, Can I still get to buy travel insurance for the US?

Yes, travelers can still purchase a travel insurance cover if the traveler has already reached the destination country. Travelers should know that the travel insurance comes into effect only after the inception of the policy .Hence the coverage for unforeseen illness and accidents will be given after the start of the policy.

What happens if a tourist from Philippine gets sick in USA? What happens if a tourist from Philippine goes to the hospital in the US? How are Philippines tourists emergency hospital bills handled? What is involved in seeing a Doctor in the US as a tourist? How is the medical treatment in USA for Philippines handled?

The above are common concerns of Philippines tourists visiting the United States. It is extremely important for US tourists to know that healthcare in the US is very expensive and that most US residents have health insurance to cover their medical expenses.

Given this situation, it is important for US tourists to have the best travel insurance for US as they are fully responsible for any medical expenses that they incur in the country. Being forced to get medical treatment in usa without insurance can be financially catastrophic, and the best way to shield oneself from this situation is to buy US travel insurance for the entire duration of one’s visit to the country.

What are the requirements for departure from the Philippines in 2023?

Considering the revised guidelines in 2023 for the Philippines wanting to travel outside, here are some takeaways:

• Filipino passengers need to undergo immigration inspection for assessment, clearance and documentation. During this period, the IO(Immigration Officer) can check the passenger and ask about the purpose of travel and availability of the basic travel documents. Further, depending on the passenger's category, additional documents can be asked for during this time. The IO can clear the inspection when they find the basic travel documents have been submitted and defer in case there is refusal for these documents.
• Basic Travel documents like passport valid for 6 months from the date of departure, Valid Visa if applicable, Boarding pass, Return ticket, travel insurance unexpected incidents.
• In case the passenger does not clear the primary round of inspection, the IO shall refer to the secondary round of inspection. Those passengers who do not provide the supporting documents can also be subjected to a second round of inspection.
• Travel Insurance which will take care of medical emergencies, trip cancellations, lost baggage and other unforeseen circumstances.

What are the requirements for going back to the USA from the Philippines?

The most important requirements for traveling to the USa from the Philippines:

• Passport and US Visa: The US Visa must be valid and the passport must be valid for 6 months from the date of departure
• Airline Itinerary
• Departure Card
• Travel Insurance

Does travel insurance cover non refundable flights?

Travel Insurance is very helpful when you need insurance to cover your trip costs. In case you need to cancel the flight for some medical emergency at your home, then your flight cost will be refunded by the travel insurance which is also known as the trip insurance sometimes. Travel insurance also takes care of the coverage for additional expenses when the flight is delayed or there is a delay in baggage delivery or lost baggage. They also cover medical emergencies by covering emergency medical evacuation and repatriation.

Pre-existing conditions visitors insurance

Tips for travelers with pre-existing conditions.

Here are some travel insurance tips for travelers with pre-existing conditions

• Choose a travel medical insurance with pre-existing conditions coverage.
• Read the policy carefully to understand what is covered and what is not.
• Be aware of look back period for coverage of pre-existing conditions.
• Consider buying an US travel health insurance plan with higher medical coverage.
• Keep a copy of your medical records and list of medications when you travel.
• Take your Doctor's prescription and medications during your trip.
• Learn how to access healthcare at your destination.
• Contact your US traveler insurance provider immediately in case of a medical emergency.
• Disclose all pre-existing conditions when purchasing visitor health insurance.
• Follow all procedures while submiting a claim.

What is visitors insurance for pre-existing conditions?

There are many health insurance for us visitors options for international travel. However, many usa travel insurance for visitors plans exclude pre-existing conditions. Hence the traveler insurance will not cover the costs of treating a pre-existing medical condition. However at American Visitor Insurance, we offer some travel medical insurance plans that have coverage for pre-existing conditions and the policy clearly states what is covered for a pre-existing conditions, as well as specifying a limit to this coverage.

Some travel health insurance plans like Atlas America , Patriot America Plus offer coverage for an acute onset of a pre-existing conditions, ie, when there is a sudden medical emergency without any prior symptom that needs to be treated immediately. This typically includes emergency medical treatment, hospitalization and evacuation expenses related to the acute onset of the pre-existing condition. INF insurance however has the INF Elite insurance which covers pre-existing conditions going beyond the acute onset coverage. It is important to compare visitors insurance for pre-existing conditions on American Visitor Insurance both for the price as well as pre-existing conditions coverage before making a decision.

How does travel insurance for pre-existing conditions work?

The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these.

Factors to consider while purchasing visitors health insurance for pre existing conditions?

The following are important factors for buying travel insurance for pre-existing conditions

• The definition of pre-existing conditions and the look back period under the policy.
• The eligibility age limit for pre-existing conditions coverage.
• Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
• The coverage limit for pre-existing conditions which is different from the policy medical maximum.
• The deductible and out of pocket expenses for pre-existing conditions coverage.

Why is health insurance for travel to USA with pre-existing conditions coverage important?

Traveling anywhere outside worldwide is supposed to be an eye opening, special and a relaxed trip experience. Traveling with a health condition brings in more challenges in order to get covered for the unexpected medical expense in case of odd surprises during the trip. This calls out for an insurance plan that covers the pre-existing conditions that will relieve the unnecessary stress of taking extra care of yourself during your most memorable travel experience.

The plans also will be expensive considering the risks involved to cover pre-existing conditions. Many of the travel insurance plans exclude pre-existing conditions. At American Visitor Insurance we offer plans that cover acute onset of pre-existing conditions as well as some cover full pre-existing conditions.

Pre-existing conditions coverage - FAQ's

01.  how do i know if my pre-existing condition is covered by travel insurance.

Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

INF Elite (also INF Elite 90 ) are comprehensive plans offering fairly complete coverage. INF Premier is a fixed plan. Find details on these plans here.

The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.

The other option, of course, is to take a plans with little ($1K) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.

02.  What does full coverage for Pre-Existing Conditions mean?

INF plans boast they offer "full" coverage for pre-existing conditions. This can be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the INF Elite and INF Premier is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation.

03.  What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.

The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04.  What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05.  What are the limits of Full Pre-Existing plans under INF travel insurance?

Full Pre-existing means we will cover any issue regarding a pre-existing condition, however, if one is traveling to the United States solely for medical treatment, that will not be covered. INF plans do not cover any medical tourism related claims. Pre-existing conditions under the INF plans are covered with a higher deductible and a lower maximum than other illnesses or injuries. These are chosen or specified when you purchase you plan.

06.  Do INF travel insurance plans really cover all pre-existing conditions?

Yes, the INF policies will cover any pre-existing issue that the traveler may have during their stay in the United States. This includes blood pressure, diabetes, kidney related issues and arthritis, all of which are covered by the INF Premier , INF Premier Plus , INF Elite , INF Elite Plus and INF Elite 90 Plans.

07.  Why are Full Pre-Existing plans more expensive than other visitor medical insurance usa plans?

The insurance company takes on an enormous risk by insuring individuals and including coverage for pre-existing conditions without any prior medical examination. Under the INF plans, you are paying more, but you are getting the full value for the money you pay given the very high cost of US healthcare. With the INF Premier , INF Premier Plus , INF Elite , INF Elite Plus and INF Elite 90 Plans, even though it is expensive, you can have the comfort of knowing that you are covered for any emergency or contingency. This peace of mind given the expensive US healthcare expense is what makes INF plans worth it despite being expensive.

08.  What services are covered under best travel insurance for usa visitors with full pre-existing coverage?

The list of covered services under Visitors insurance full pre-existing conditions coverage can be found on the American Visitor Insurance website of the INF Premier , INF Premier Plus , INF Elite , INF Elite Plus and INF Elite 90 Plan pages. INF plans are open to green card holders

What is the best US visitors insurance with pre-existing conditions coverage?

The best US visitors insurance with pre-existing conditions coverage is listed here :

• The INF Elite plans are designed for travelers who need coverage for full pre-existing medical conditions up to age 99 years. INF Elite plans are comprehensive plans available for people traveling to the US and provide flexible coverage. Minimum Purchase of 90 days is required on the plans.
• Safe Travels USA Comprehensive offers coverage for acute on set of pre-existing conditions up to 89 years. For persons under 70 covers medical treatment to policy maximum (cardiac-related treatment up to $25,000). For persons above 70 Acute Onset benefits is reduced to a maximum of $35,000 (cardiac-related treatment up to $15,000).
• Atlas America Insurance is a comprehensive visitor insurance for acute on set of pre-existing conditions that covers Non-US citizens and Non-US residents while visiting the US up to age 79 years. The plan provides acute onset of non-chronic pre-existing conditions coverage..
• Patriot America plus is Comprehensive travel insurance covers acute on set of pre-existing conditions up to chosen maximum limit aged up to 70 years. This plan is available for Non US citizens travelling to the USA and US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while. Plan is suitable for Green Card holders as long as they reside outside the US.
• Visitors Protect is Comprehensive visitor medical insurance offers pre-existing conditions up to age 99 years. Minimum Purchase of 90 days is required on the plan. It is an affordable plan for visitors visiting the US.
• Safe Travels USA is a cheap travel medical insurance plan that covers sudden, unexpected recurrence of a Pre-existing Condition for Non-US Citizens and Non-US Residents while visiting the USA up to 89 years.

Student insurance for Filipino students in the USA

Studying abroad is an aspiration for many Filipino students. Studying overseas often increases the students confidence, improves language skills, provides exposure to different cultures and offers increased opportunities for employment in the global market. There has been a constant increase in the Philippine students studying in the US and according to UNESCO Institute of Statistics – UIS, the US had 3,000 Filipino students.

Studying abroad unlocks several opportunities for students; it also increases the chances for the risks in a new country. Having a student medical insurance is mandatory while applying for the course in most US universities. Buying international student medical insurance will act as a rescue in case of any medical emergency that you may face while you’re staying away from home. US Healthcare is very expensive and International students in the USA need good student health insurance on arrival, which will provide coverage for all unforeseen medical expenses incurred due to an injury or illness. At American Visitor Insurance, Filipino students can buy best International student medical insurance cheaper than university plans with similar coverage, along with Covid19 and pre-existing conditions coverage. There are tools to compare several international student insurance plans for prices and benefits with 24/7 customer support by licensed agents along with providing Answers to FAQ's by students.

Medical insurance for Filipino professionals working in USA

The US and Philippines have historically had a strong and special relationship. The Philippines have highly skilled workers in areas like science, technology, Mathematics and engineering (STEM).Due to the scarcity of job opportunities and increased economic pressure many Filipino workers look for jobs overseas. Several skilled Filipino professionals have migrated to the US over the years. The Filipino government has also encouraged the migration of its workforce. The Philippine government has established bilateral migration arrangements with 25 countries.

Settling in a new country with a changed environment and situations often increases the chances of unexpected medical emergencies. Health care is very expensive overseas and in case of any unexpected medical situation the immigrant health insurance comes as a rescue. At American Visitors Insurance visitors travelers can compare several different US travel health insurance options and get an instant policy by answering a few questions. You can also email or call our licensed customer service number for any assistance.

Travel tips for international travelers

Travel tips for international travelers – Safety, Comfort and Wellness.

USA - General information  

Usa - general information.

New York , San Francisco , Los Angeles , Las Vegas , Orlando , Washington D.C.

North America

Washington D.C.

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Around 327 million

Throughout the year.

Travel health insurance Philippines to USA, Travel insurance for Filipino going to USA – links

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Travel Insurance USA to Philippines Blog

Travel Insurance to Philippines from USA Forum

Travel Insurance USA Claims

Factors that determine the cost of us travel insurance plans.

Traveler’s age

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Length of travel insurance coverage

The longer the period of visitors insurance required, the greater will be the cost of travel insurance.

Medical maximum limit, co-insurance and deductible options

The travel insurance cost is directly dependant on maximum medical coverage and inversely proportional to the deductible and co-insurance of the plan chosen.

Fixed benefit of Comprehensive travel insurance

Fixed benefits visitor insurance are cheaper while comprehensive US travel insurance with exhaustive coverage are more expensive.

Coverage region

The cost of travel insurance depends on the coverage region with the price for visitor health insurance for the US being most expensive.

Any add on benefits or special coverage

Any add-on benefits or special coverage like adventure sports or acute onset of pre-ex conditions coverage … will increase the cost of travel insurance.

Steps to buy US travel insurance online

Global travel and tourism destinations.

Global Travel Destinations

It's a Global village, Explore and enjoy it!

International tourism

Indulge according to your tastes; Golfing, Skiing, Wildlife..

Popular travel destinations in the USA

US States for tourists. Beaches, National Parks and more !

US Cities renowned for their Glitz, Glamor, Museums and more !

Popular outbound destination among Philippines travelers

International travel insurance blogs and articles, affordable travel insurance online.

Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans.

Best international travel insurance

We also offer international travel insurance plans covering pre-existing conditions which many older travelers look for...

Compare US travel insurance online

Compare quotes online for best travel insurance online, Fixed vs comprehensive travel insurance USA.

Advantages of buying travel insurance online

Compare and buy the best travel medical insurance plans online...

Buy cheap travel insurance

There are many cheap international insurance plans also known as visitor insurance plans.

Coinsurance & Deductible - How visitor travel insurance works..

Compare and buy international travel insurance USA

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

More tourist medical insurance usa categories

Compare Visitors insurance USA

USA New immigrant Insurance

US visa health insurance

Senior Citizen travel insurance

Pre-existing visitors insurance

J1 Visa health insurance

International student Insurance

Green Card medical insurance

International Medical Insurance

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Travel Insurance USA: A Comprehensive Guide to Coverage Options

Planning a trip to the USA? Don’t forget to consider travel insurance! Whether you’re a domestic traveler or an international tourist , having travel insurance can provide you with peace of mind and financial protection in case of unexpected events or emergencies during your trip.

With so many options available, it’s important to understand the coverage options and find the best travel insurance plan for your needs. In this comprehensive guide , we will explore the various coverage options, recommend top travel insurance companies, and provide tips for choosing the best and most affordable travel insurance in the USA.

Key Takeaways:

• Travel insurance is essential for anyone planning a trip to the USA, providing financial protection and peace of mind.
• There are various coverage options available, including trip cancellation, emergency medical expenses, and baggage loss or delay coverage.
• Popular travel insurance companies in the USA include Allianz Travel Insurance, AIG Travel, and InsureMyTrip.
• Comparing plans from different providers is crucial to finding the best coverage at an affordable price.
• When filing a travel insurance claim, it’s important to gather all relevant documentation and follow the specific instructions provided by the insurance company.

Types of Travel Insurance Coverage in the USA

When it comes to travel insurance in the USA, there are various coverage options available to protect you during your trip. Understanding the different types of coverage can help you choose a policy that best meets your needs and gives you peace of mind.

Trip Cancellation and Trip Interruption Coverage

One of the most common types of travel insurance coverage is trip cancellation and trip interruption coverage. This protects you if you need to cancel or cut short your trip due to unforeseen circumstances such as illness, injury, or a family emergency. With trip cancellation coverage, you may be eligible for reimbursement of non-refundable expenses like flights and accommodations. Trip interruption coverage provides financial protection for expenses incurred if you have to return home early.

Emergency Medical Expenses Coverage

Medical emergencies can happen anytime, anywhere, including while traveling. That’s why it’s important to have travel insurance coverage for emergency medical expenses. This type of coverage can help pay for medical treatment, hospital stays , and emergency medical evacuation if necessary. It provides financial protection against unexpected medical costs, ensuring that you receive the necessary care without worrying about expenses.

Emergency Evacuation Coverage

In the event of a medical emergency or a natural disaster, emergency evacuation coverage can be a lifesaver. This coverage ensures that you are safely transported to the nearest medical facility or evacuated from a dangerous situation. It covers the cost of transportation by air or ground ambulance, as well as any necessary medical escorts. Having emergency evacuation coverage means you can focus on your well-being, knowing that assistance will be there when you need it most.

Baggage Loss or Delay Coverage

No one wants to think about lost or delayed baggage, but it’s always a possibility while traveling. Baggage loss or delay coverage provides reimbursement for essential items if your baggage is lost, stolen, or delayed for a certain period. This coverage helps you replace essential items like clothing, toiletries, and medication, so you can continue your trip without unnecessary stress.

Whether you’re planning a domestic trip within the USA or traveling internationally, these are some of the essential coverage options available for travel insurance. By having the right coverage in place, you can enjoy your trip with peace of mind, knowing that you are protected against unexpected events and emergencies.

Travel insurance coverage in the USA offers a range of options to protect you and your belongings during your trip. From trip cancellation to emergency medical expenses, having the right coverage means you can relax and enjoy your travels worry-free.

Finding the Best Travel Insurance Companies in the USA

When planning your trip to the USA, finding the best travel insurance company is crucial to ensure you have the right coverage at an affordable price. Consider these key factors when comparing travel insurance companies:

• Coverage Options: Look for a provider that offers comprehensive coverage for medical expenses, trip cancellation or interruption, emergency evacuation, and baggage loss or delay.
• Customer Reviews : Check online reviews and ratings to get insights into the experiences of other travelers with different insurance providers. Look for companies that have positive feedback and a strong reputation for customer service.
• Pricing: Compare quotes from multiple travel insurance companies to find policies that offer the best value for your budget. Keep in mind that the cheapest option may not always provide the necessary coverage.

Popular Travel Insurance Companies in the USA

Comparing these travel insurance companies and their offerings can help you find the most suitable and affordable option for your trip to the USA.

Remember, finding the best travel insurance company goes beyond just the price. It’s important to consider the coverage options, customer reviews, and reputation of the provider to ensure you have the right protection and support during your trip.

Domestic Travel Insurance in the USA

Domestic travelers within the USA can also benefit from travel insurance coverage. Domestic travel insurance plans offer protection against trip cancellation , trip interruption , emergency medical expenses , and other unforeseen circumstances that may arise during a trip within the country. These plans can provide peace of mind and financial protection for domestic travelers .

Whether you’re planning a road trip across the country, visiting family in another state, or exploring the diverse landscapes of the USA, domestic travel insurance can safeguard your trip against unexpected events. From flight cancellations to medical emergencies, travel insurance ensures that you are financially protected and able to handle any challenges that may arise.

A comprehensive domestic travel insurance plan typically includes coverage for:

• Trip cancellation or interruption
• Emergency medical expenses
• Lost or delayed baggage
• Travel delays
• Accidental injury or illness

By purchasing domestic travel insurance, you can have peace of mind knowing that you are protected financially in case of trip disruptions or emergencies. It allows you to enjoy your domestic travels without worrying about unforeseen events that can derail your plans.

“Domestic travel insurance provides travelers with the reassurance and financial protection they need when exploring their own country. From unexpected flight cancellations to medical emergencies, having the right coverage ensures a worry-free trip.” – Travel Insurance Expert

When should you consider domestic travel insurance?

Domestic travel insurance is recommended for any trip within the USA, especially when:

• You have invested a significant amount in your trip, including non-refundable expenses such as hotel bookings, event tickets, or rental cars.
• You or a family member have pre-existing medical conditions that may require medical attention during the trip.
• You are traveling during the hurricane season or a period known for inclement weather conditions.
• You are participating in adventurous or high-risk activities , such as hiking, skiing, or water sports.
• You want the peace of mind that comes with having financial protection in case of trip interruptions or emergency medical situations.

Keep in mind that specific coverage and policy terms may vary between insurance providers, so it’s important to carefully read the policy documents and understand what is covered and what is not before purchasing a domestic travel insurance plan .

Now that you understand the importance of domestic travel insurance , let’s take a closer look at travel insurance options available for tourists visiting the USA.

Travel Insurance for Tourists Visiting the USA

Travel insurance is not just for domestic travelers within the USA. Tourists visiting the country can also benefit from purchasing travel insurance to protect themselves during their trip. These insurance plans are specifically designed to offer coverage for various unforeseen events and emergencies that may occur during their stay .

When tourists purchase travel insurance for their visit to the USA, they can typically expect coverage for the following:

• Trip cancellation or interruption: In case your trip needs to be canceled or cut short due to unforeseen circumstances, such as illness, injury, or an emergency back home , travel insurance can provide reimbursement for non-refundable trip expenses.
• Emergency medical expenses: In the event of a medical emergency during your trip, travel insurance can cover the costs of hospitalization , doctor visits, prescription medications, and other necessary medical treatments.
• Baggage loss or delay: If your luggage gets lost, stolen, or delayed during your trip, travel insurance can provide compensation to help you replace essential items and cover any additional expenses incurred due to the delay.

Keep in mind that travel insurance policies may vary in coverage limits, exclusions, and specific conditions, so it’s essential for tourists to carefully read and understand the policy terms and conditions before making their purchase. This ensures that they are aware of what is covered and what is not, allowing them to make informed decisions to suit their needs.

Although travel insurance is not mandatory for tourists visiting the USA, it is highly recommended to protect yourself from unexpected events that could potentially disrupt your trip and leave you with financial burdens. The peace of mind that travel insurance provides can make a significant difference in your travel experience.

Travel Insurance Options for Foreigners in the USA

Foreigners visiting or living in the USA can find travel insurance options specifically designed to meet their needs. These plans offer comprehensive coverage, including emergency medical expenses, emergency evacuation, trip cancellation or interruption, and other benefits. It is essential for foreigners to check the specific requirements and available plans based on their visa status and duration of stay . By choosing the right travel insurance, foreigners can have peace of mind knowing they are protected during their time in the USA.

Benefits of Travel Insurance for Foreigners in the USA

Travel insurance for foreigners in the USA provides a range of benefits to ensure a safe and secure trip. Here are some key advantages:

• Emergency Medical Expenses Coverage: Foreigners can receive financial assistance for unexpected medical expenses while in the USA, including hospitalization , doctor visits, and medication.
• Emergency Evacuation Coverage: In the event of a medical emergency or natural disaster, travel insurance offers coverage for emergency medical transportation to the nearest suitable medical facility.
• Trip Cancellation or Interruption Coverage: If a trip is canceled or interrupted due to unforeseen circumstances, such as a sudden illness, travel insurance provides reimbursement for non-refundable expenses.
• Baggage Loss or Delay Coverage: Travel insurance can offer protection against lost or delayed baggage, providing compensation for necessary purchases until the baggage is located or replaced.

These benefits ensure that foreigners have financial protection and assistance when faced with unexpected situations or emergencies during their stay in the USA.

Choosing the Right Travel Insurance Plan

When selecting a travel insurance plan for foreigners in the USA, there are several factors to consider:

• Coverage Options: Look for a plan that includes comprehensive coverage, including medical expenses, evacuation, trip cancellation or interruption, and baggage loss or delay.
• Policy Limits: Check the policy limits to ensure they meet your specific needs, such as the maximum coverage for medical expenses or the reimbursement limits for trip cancellation.
• Exclusions: Carefully review the policy exclusions to understand what is not covered, such as pre-existing medical conditions or certain high-risk activities .
• Customer Reviews: Research and read reviews about the travel insurance company to ensure they have a good reputation for customer service and claims handling.

Comparing different travel insurance providers and their plans can help foreigners find the best coverage options at affordable prices. It is important to carefully read and understand the policy terms and conditions before purchasing a travel insurance plan to ensure it meets your specific needs and requirements.

Tips for Choosing the Best Travel Insurance in the USA

When it comes to selecting travel insurance in the USA, there are several factors you should consider to ensure you have the best coverage that meets your needs. Here are some tips to help you make an informed decision:

• Coverage Options: Look for a travel insurance plan that offers a wide range of coverage options, including trip cancellation, trip interruption, emergency medical expenses, emergency evacuation, and baggage loss or delay coverage. Assess your specific needs and choose a plan that provides adequate coverage in these areas.
• Policy Limits: Pay attention to the policy limits of the travel insurance plan . Ensure that the coverage limits are sufficient to cover any potential expenses, such as medical emergencies or trip cancellations. It’s important to match the policy limits with the level of coverage you require.
• Exclusions: Carefully read through the exclusions of the travel insurance policy. Exclusions are specific scenarios or circumstances that are not covered by the insurance plan. Understanding the exclusions will help you determine whether the policy meets your specific needs and requirements.
• Customer Reviews: Take the time to read customer reviews and ratings of different travel insurance companies. This will give you insight into the experiences of other travelers and help you gauge the reliability and customer service of the provider. Look for companies with positive reviews and satisfied customers.
• Compare Plans: Don’t settle for the first travel insurance plan you come across. Compare multiple plans from different providers to find the best coverage at the most affordable price. Look for plans that offer a balance between coverage and cost, ensuring you get the best value for your money.
• Terms and Conditions: Before purchasing any travel insurance plan, make sure to thoroughly read and understand the terms and conditions of the policy. Pay attention to the fine print, including any limitations, restrictions, or additional requirements. This will help you avoid any surprises or misunderstandings later on.

By following these tips, you can choose the best travel insurance plan in the USA that provides comprehensive coverage at an affordable price. Remember, travel insurance is an important investment in your peace of mind and financial security during your trip.

How to File a Travel Insurance Claim in the USA

When unexpected events occur during your trip and you need to file a travel insurance claim in the USA, it’s important to follow the proper steps to ensure a smooth process. Here’s a guide on how to effectively file a travel insurance claim:

Gather Relevant Documentation

Before contacting your travel insurance company, gather all relevant documentation to support your claim. This may include:

• Receipts for expenses related to your claim, such as medical bills or lost luggage replacement
• Medical records or doctor’s notes if you require medical treatment during your trip
• Proof of travel, such as itineraries or boarding passes, to verify your travel dates

Having these documents ready will help expedite the claims process.

Contact Your Travel Insurance Company

Once you have your documentation assembled, contact your travel insurance company to initiate your claim. Provide them with all the necessary information, including policy details and the nature of your claim.

Most insurance companies have a dedicated claims department or helpline that you can reach out to. They will guide you through the claims process and provide you with any additional documentation or forms that need to be completed.

Follow Instructions and Timelines

Every travel insurance company may have specific requirements and timelines for submitting a claim. It’s crucial to carefully read and follow the instructions provided by your insurance provider to ensure your claim is processed correctly.

Be mindful of any deadlines for submitting your claim and submitting any additional supporting documents. Failing to meet these deadlines could result in a delay or denial of your claim.

Remember: accuracy and timeliness are key when filing a travel insurance claim. Double-check all the information you provide and submit your claim promptly.

Once your claim is submitted, the insurance company will review it and may request further information if needed. They will assess your claim based on the terms and conditions outlined in your policy.

Keep in mind that the processing time for travel insurance claims may vary. It’s advisable to maintain open communication with your travel insurance provider and stay informed about the progress of your claim.

Have these documents readily available when filing your claim to expedite the process and increase the chances of a successful outcome.

When planning a trip to the USA, travel insurance is an essential consideration. It offers financial protection and peace of mind in the face of unexpected events or emergencies. To find the best coverage options at affordable prices, it is important to compare different plans from reputable travel insurance companies.

Before purchasing a travel insurance plan , it is crucial to read the policy terms and conditions carefully. This ensures that you understand what is covered and what is not, enabling you to make an informed decision. By doing so, you can protect yourself and your finances during your trip to the USA.

Remember, travel insurance provides a valuable safety net, whether you are a domestic traveler or an international tourist. It is always better to be prepared and have the necessary coverage in case of unforeseen circumstances. So, before you embark on your journey, take the time to explore travel insurance options and choose the best one for your needs. Safe travels!

What types of coverage options are available for travel insurance in the USA?

There are various types of coverage options available, including trip cancellation, trip interruption, emergency medical expenses, emergency evacuation, and baggage loss or delay coverage.

Are there specific travel insurance plans for international travelers visiting the USA?

Yes, international travelers visiting the USA can find specific travel insurance plans tailored to their requirements.

How can I find the best travel insurance companies in the USA?

To find the best travel insurance companies in the USA, consider factors such as coverage options, customer reviews, and pricing. Popular providers include Allianz Travel Insurance, AIG Travel, and InsureMyTrip.

Can domestic travelers within the USA benefit from travel insurance coverage?

Yes, domestic travelers within the USA can benefit from travel insurance coverage. Domestic travel insurance plans offer protection against trip cancellation, trip interruption, emergency medical expenses, and other unforeseen circumstances.

Is there travel insurance specifically for tourists visiting the USA?

Yes, tourists visiting the USA can purchase travel insurance that offers coverage for trip cancellation or interruption, emergency medical expenses, and baggage loss or delay.

Are there travel insurance options for foreigners visiting or living in the USA?

Yes, foreigners visiting or living in the USA can find travel insurance options specifically designed for their needs, including coverage for emergency medical expenses, emergency evacuation, trip cancellation or interruption, and other benefits.

What should I consider when choosing travel insurance in the USA?

When selecting travel insurance in the USA, consider factors such as coverage options, policy limits, exclusions, and customer reviews. It is recommended to compare multiple plans from different providers.

How do I file a travel insurance claim in the USA?

To file a travel insurance claim in the USA, gather all relevant documentation and contact the travel insurance company. Each company may have specific requirements and timelines for submitting a claim.

Why is travel insurance important for trips to the USA?

Travel insurance provides financial protection and peace of mind in case of unexpected events or emergencies during your trip to the USA.

Source Links

• https://www.allianztravelinsurance.com/
• https://www.travelguard.com/
• https://www.insuremytrip.com/

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

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

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

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

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International Travel Insurance

We have selected the right insurance products that match your needs. Here are our recommended plans with emergency medical treatment including COVID-19 coverage for international travels.

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

Choose your plan

Plan A (Asia except Japan)

Includes COVID-19 coverage and up to ₱500,000 Emergency Medical Treatment Benefit . For up to 75 years old, with trip duration of up to 90 days.

Sample Premium:

4-day southeast asia - ₱350.

Plan A (Worldwide)

 15-Day USA -  ₱917

Plan B (Asia except Japan)

Includes COVID-19 coverage and up to ₱1.5M Emergency Medical Treatment Benefit . For up to 75 years old, with trip duration of up to 90 days.

4-Day Southeast Asia -  ₱463

Plan B (Worldwide)

Includes COVID-19 coverage and up to ₱1.5M Emergency Medical Treatment Benefit. For up to 75 years old, with trip duration of up to 90 days.

15-Day USA - ₱1,264

Plan C (Worldwide)

Includes COVID-19 coverage and up to ₱1.5M Emergency Medical Treatment Benefit. For infants 14 days to adults 70 years old, with trip duration of up to 184 days.

15-day USA- ₱1,898

Plan D (Worldwide)

Includes COVID-19 coverage and up to ₱1M Emergency Medical Treatment Benefit. For infants 14 days to adults 80 years old, with trip duration of up to 365 days.

15-Day USA -  ₱1,628

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

Things to know before buying

When should i purchased the travel insurance.

Insurance must be purchased for at least four (4) hours before your departure flight.

I tested positive for COVID-19. May I file a claim for a trip cancellation?

No. The COVID-19 coverage applies only to Emergency Medical Treatment, Emergency Medical Evacuation and Repatriation of Mortal Remains.

If I get infected with COVID-19 virus while on trip, but developed only mild symptoms requiring no admission but endorsed to self-quarantine, can I reimburse cost of accommodation and expenses on medicine?

Only expenses incurred for medical treatment/confinement in a hospital are covered. Cost incurred for self-quarantine at home or in a hotel are not covered.

I heard that I need special coverage to get a Schengen visa. Can I get it from you?

The Worldwide 2.5M Plan meets the insurance requirements of Schengen embassies in the Philippines. Click here to purchase 2.5M Plan 

How do I make a claim?

Contact us at +63 (2) 8838-2364 or email [email protected] and we will guide you through process. We work for you. We assist you every step of the way, from start to finish. We deal with the insurer on your behalf.

We do the legwork for you every step of the way

Your Security and Protection from Financial Loss

We help you identify, assess, and manage your risks. 

Your Peace of Mind and Financial Well-Being

We work for the payment of your benefit and claims according to the terms and conditions of your policy.

Your Convenience

We do the legwork to save you time and effort evaluating insurance products.

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(+632) 8838-BDOI or 8838-2364

[email protected] 

You can also send us a message  here .

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1800-10-8382364

BDO Insure is are registered trademark of BDO Insurance Brokers, Inc., an insurance broker licensed and supervised by the Insurance Commission of the Philippines (www.insurance.gov.ph). Insurance Broker License No. IB-13-2022-R. The BDO Insure trademarks are owned by BDO Insurance Brokers, Inc.

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Philippines Travel Insurance Requirements

Last updated: 03/07/2024

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

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

Squaremouth’s Philippines Travel Insurance Recommendations

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

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

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

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

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

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

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

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

Click here to begin your search for Philippines Travel Insurance.

Philippines Travel Insurance Trends and Data

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

Destination Rank: 21

Percentage of Squaremouth Sales: 1.20%

Average Premium: $197.43

Average Trip Cost: $2,827.78

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

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Steven Benna, Lead Data Analyst: [email protected]

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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

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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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The Best Travel Insurance in the Philippines, For Every Budget

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

The Right Travel Insurance For All Destinations.

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

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

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

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

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

What People Say About Getting Travel Insurance With eCompareMo

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

Travel Insurance Explained

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

What is Travel Insurance?

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

Why is Travel Insurance Important?

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

Reasons why getting travel insurance is essential

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

Travel Insurance Sample Coverage

International.

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

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

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

Travel Insurance FAQ

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

How do I choose the right travel insurance?

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

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

What are the requirements for getting travel insurance?

Policyholders need to meet the following criteria:

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

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

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

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

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

When is the best time to buy Travel Insurance?

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

Is luggage loss or theft always covered?

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

Does Travel Insurance cover extreme sports and outdoor activities?

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

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

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

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

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

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• Key takeaways

Is travel insurance required to visit the Philippines?

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

Philippines Travel Insurance: Coverage Requirements & Costs

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

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

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

Our top picks for the best philippines travel insurance

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

Seven Corners

Generali global assistance.

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

Best Rated Travel Insurance

Why we like it.

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

Best Value for Medical Emergencies

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

Best Value Travel Insurance

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

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

Do I need a visa to travel to the Philippines?

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

Do I need a passport to visit the Philippines?

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

COVID-19 requirements

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

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

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

Trip cancellation insurance

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

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

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

Trip delay insurance

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

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

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

Trip interruption insurance

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

Travel medical insurance

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

Medical evacuation insurance

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

Baggage insurance

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

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

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

Rental car coverage

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

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

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

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

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

We used these travel details for our quotes:

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

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

Example Where Plan Doesn’t Reimburse the Full Trip Cost

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

Example Where Plan Does Reimburse the Full Trip Cost

Several factors affect the cost of travel insurance:

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

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

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

Do I need travel insurance to visit the Philippines?

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

What does travel insurance cover in the Philippines?

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

How much is Philippines travel insurance?

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

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

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

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

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

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

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

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

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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.

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What Kind Of Travel Insurance To Get For A Trip To The Philippines

There are several types of coverage you should consider when buying travel insurance for your trip to the Philippines.

Cancel for Any Reason Coverage

Cancel for any reason (CFAR) coverage is exactly what it sounds like — insurance that covers the cost of canceled travel plans regardless of the reason. Most insurance companies offer CFAR coverage as an upgrade or add-on benefit to a standard travel insurance plan. Standard plans also cover cancellations, but only for certain reasons. Typically, those reasons are limited to unforeseen events and things outside your control, such as a natural disaster or medical emergency.

With CFAR coverage, you can cancel for reasons not covered by a standard plan without an explanation. The freedom to cancel for any reason has become especially attractive during the era of COVID-19, as public health recommendations and requirements change frequently. CFAR coverage allows you to cancel if anything pops up that makes you uneasy about the timing or destination of your trip. Your reasons could be personal, financial or even hypothetical.

Tip: Check the U.S. Department of State’s (DOS) travel advisory for the Philippines shortly before leaving. Look for updates to the advisory level, health information and areas of increased risk that might affect your travel plans.

Gear Theft Protection

When you travel, your personal belongings are at risk of being lost, damaged or stolen. The airline could lose your luggage, or your bags could be delayed, leaving you without critical gear. A thief could snatch your suitcase or laptop from your Manila hotel room or pickpocket your wallet and passport as you sample Filipino cuisine.

Travel insurance that includes gear theft protection or baggage insurance can help you replace your stolen gear and even your travel documents. Depending on the situation, the insurance company may pay to repair or replace your belongings plus cover the cost of rental equipment if necessary after a theft, loss or delay.

You should also read through your renters or homeowners insurance before leaving for the Philippines. Many policies cover your personal belongings when traveling, not just when you are home. However, certain limits and exclusions may apply.

Tip: Make a list or take photos of everything you take on your trip. That inventory will come in handy if your bags are stolen, lost or delayed. If you experience theft, report it promptly and keep a copy of any official documentation, such as a police report, to submit to your insurance provider.

Medical Emergency Insurance and Emergency Medical Evacuation

Medical emergency insurance and emergency medical evacuation coverage may be the most important features of your travel insurance. Without insurance, stolen gear or a missed flight might cost you a few hundred dollars. Canceling your entire trip could cost several thousand dollars. However, experiencing a medical emergency overseas could cost tens of thousands of dollars — especially if you need to be evacuated.

Many travel insurance plans include $500,000 or $1,000,000 of medical evacuation coverage paired with $15,000 to $500,000 of medical coverage. As you decide how much coverage to purchase, think through your plans and itinerary. Consider where and how you will be spending your time. High-risk activities and remote locations may increase the likelihood that you will need medical care.

Remember that before changes were announced in May 2022, the Philippines required foreign nationals to obtain at least $35,000 of coverage. Squaremouth , a leading travel insurance quoting and comparison engine that has helped insure more than 2.5 million customers, recommends at least $50,000 of medical emergency coverage and $100,000 of medical evacuation coverage.

Tip: If you have a preexisting medical condition, you may need to purchase a waiver to ensure your plan will cover it. Not all plans will cover preexisting conditions, and those that do may need you to meet certain requirements.

Rental Car Protection

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

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

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

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

Trip Cancellation Insurance

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

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

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

Flight Insurance

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

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

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

How Much Does Philippines Travel Insurance Cost?

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

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

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

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

Trip 2: 45-year-old traveler, $5,000 trip cost, 14-day trip length, how do i get travel insurance for a philippines vacation.

Follow these steps to purchase Philippines travel insurance:

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

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

The Philippines Travel and Safety Tips

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

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

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

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

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

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

Crime and Safety

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

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

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

Day Trips, Tours and Excursions

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

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

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

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

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

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

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

Frequently Asked Questions About Travel Insurance for The Philippines

Does philippine airlines require travel insurance.

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

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

How do you know if you need travel insurance?

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

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

Which travel insurance policies cover COVID-19?

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

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

How much is travel insurance?

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

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

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For your holidays in Philippines and abroad

Travel insurance for the philippines.

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

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

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

Our Suggested AXA Travel Protection Plan

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

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

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

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

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

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

How Does Travel Insurance for the Philippines Work?

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

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

Medical Benefits: 

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

Baggage Benefits: 

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

Pre-Departure Travel Benefits: 

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

Post-Departure Travel Benefits

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

Additional Optional Travel Benefits 

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

Do I Need Travel Insurance for the Philippines?

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

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

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

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

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

How Much Does Travel Insurance Cost for the Philippines?

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

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

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

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

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

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

AXA covers three types of medical expenses:  

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

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

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

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

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

Traveling with preexisting Medical Conditions? 

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

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

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

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

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

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

3.Do Americans need travel insurance in the Philippines?

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

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

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

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

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

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

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Travel Insurance For The Philippines

• Get a Quote
• Renew/Extend Coverage
• Retrieve Quote

Do you require trip protection?

Tell us about your travelers.

Easily renew or extend your coverage.

If you have saved a quote within the past 14 days you can quickly and easily retrieve the quote and add, modify and change information for that quote. In the top right corner of the quote you saved you will see a unique number.

Is the Philippines open to travelers?

Yes, the Philippines is open to foreign travelers. Fully vaccinated foreign nationals from visa-free countries are allowed to enter. 

What documents are required to enter the Philippines? 

- Valid proof of full vaccination status  - Negative RT-PCR test taken within 48 hours of departure  - Return flight tickets to origin or next destination 

See https://visitor.tourism.gov.ph/ for full list of requirements and acceptable forms of vaccination status proof. 

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

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SUBMISSIONS

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LIMITATION ON LIABILITY

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INDEMNIFICATION

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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.

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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.

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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).

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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.

Understanding What Travel Insurance Covers

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The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

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The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠. The details for these products have not been reviewed or provided by the issuer.

• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Overview of Travel Insurance Coverage

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

What does travel insurance cover?

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellation and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

What does credit card travel insurance cover?

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex , for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

What travel insurance coverage do you need to pay more for?

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide on the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Choosing the right travel insurance

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Get Travel Insurance Quotes Online

Protect your trip with the best travel insurance . Compare travel insurance quotes from multiple providers with Squaremouth.

What does travel insurance cover frequently asked questions

Does travel insurance cover trip cancellations due to a pandemic like covid-19.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Are sports injuries covered under travel insurance?

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Can travel insurance provide coverage for travel advisories or warnings?

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

How does travel insurance handle emergency medical evacuations?

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Are lost or stolen passports covered by travel insurance?

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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I'm a financial planner, and I'd recommend annual travel insurance to anyone who loves to travel abroad

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• Frequent and spontaneous travelers will likely benefit from annual travel insurance policies.
• Your credit card may come with some travel protections, but it may not be enough.
• When choosing a policy, look at what it covers, not just what's cheapest.

Summer is just a few months away — and if you're planning a vacation this year, the last thing you want is an unexpected event to derail your plans (and cost you hundreds).

Flights get delayed or canceled constantly. Luggage disappears into the ether. Medical emergencies occur in remote destinations. Yet many jetsetters simply cross their fingers and hope for the best rather than prepare for the worst.

That's why, as a financial planner, I believe it's crucial to consider protecting your trips with the right insurance coverage. One option often overlooked, particularly by frequent travelers, is annual travel insurance .

Annual travel insurance covers all your trips within 365 days. Unlike stand-alone travel insurance, which only covers you for a specific trip, an annual policy covers any trips you take within the year.

That's why I tell clients who travel frequently that an annual policy is a good choice for their needs. By opting for an annual plan, you don't have to go through the hassle of booking multiple policies and potentially save money compared to purchasing individual trip coverage. Here's how it works.

What to look for in a policy

While specifics may vary depending on the insurer and plan tier, most include the following key benefits:

• Trip cancellations or interruptions: You may be able to get reimbursed for expenses (even nonrefundable ones!) related to an illness, injury, or natural disaster that forced you to cancel or cut your trip short.
• Emergency medical and dental care: If you fall ill or get injured while traveling, your insurance can help cover the cost of medical treatment.
• Emergency evacuation: In a serious medical emergency or security situation, your policy will arrange and pay for transportation to a hospital or back to your home country.
• Lost, delayed, or damaged baggage: If your luggage is lost, delayed, or damaged during your trip, you can get financial coverage for essential items while you wait for your stuff to be recovered or replaced.
• Trip delays and missed connections: When your travel plans are disrupted due to issues like mechanical problems or severe weather, you may get reimbursement for additional expenses incurred, like meals, lodging, and transportation.

It's important to note that annual travel insurance plans have limitations. Certain high-risk activities, pre-existing medical conditions, and travel to specific regions may be restricted or require additional coverage.

Some travelers may assume that their credit card's built-in travel protections are enough. While many travel rewards credit cards offer perks like rental car insurance, trip cancellation, and baggage reimbursement, the coverage limits are often much lower than a dedicated annual travel insurance plan.

Credit card coverage for emergency medical care is also particularly limited — capped at a few thousand dollars — which may not be enough in the face of a major international medical emergency.

How much travel justifies an annual plan?

For the occasional traveler who takes one or two trips a year, single-trip policies will probably work for you. But if you fall into any of these buckets, you may want to consider an annual policy:

• Regular international travelers (three or more trips abroad yearly)
• Road warriors frequently away for work
• Adventurers engaging in high-risk activities like heli-skiing, scuba diving, or mountain climbing
• Cruisers and tour group travelers
• Students or retirees taking extended trips throughout the year
• Those visiting developing countries with limited medical care

Annual plans cover all of your trips within a 365-day period after purchasing. They're basically a bundle of multiple policies into one package deal. This means you only have to buy one policy to manage, locking in your coverage for the year.

How to decide if an annual policy makes sense for you

Start by reviewing your travel plans this year — and your risk tolerance. Calculate how much buying individual travel insurance policies would cost you over the next year and compare it to the price of an annual plan.

Don't just focus on the premium — carefully evaluate coverage limits, exclusions, and deductibles to ensure you have enough protection for your needs.

An annual policy gives you the flexibility to take spontaneous trips without the hassle of obtaining last-minute insurance. More importantly, it provides peace of mind, knowing that you're covered for a wide range of travel disruptions and emergencies.

As the busy summer travel season ramps up, definitely explore protecting your trips with insurance, especially if you're jetting off internationally. Spending hours on the phone trying to rebook canceled flights or worrying about affording an overseas medical emergency is no way to vacation.

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Top Travel Insurances for the Philippines You Should Know in 2024

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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