buy travel insurance online philippines

WARNING RE COVID-19

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

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

Chubb Assistance

Travel Smarter with Chubb Travel Insurance

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

Claims Made Easy

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

Quality travel insurance at an affordable price

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

Access to a global team of travel experts

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

Fast, fair and efficient handling of claims

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

24hours emergency assistance +63 2 8864 0865

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

You may contact us via the following

Insurance Company of North America (a Chubb Company)

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

Chubb Customer Hotline

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

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

Chubb Worldwide Offices

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

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

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

Compare And Find The Best Travel Insurance

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

We found 15 travel insurance(s) for you!

Etiqa Travel Insurance Plan

Personal Accident

AIG Travel Guard Standard Protection

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

Why Should I Get Travel Insurance?

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

Travel Insurance In The Philippines

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

Who Can Purchase Travel Insurance?

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

What Kind Of Travel Insurance Do I Need?

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

What Is The Coverage Of My Travel Insurance?

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

What Is The Travel Insurance Claiming Process?

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

Can I Cancel My Travel Insurance Policy?

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

Will Travel Insurance Protect Me When I Work Overseas?

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

Can I Extend The Term Of My Travel Insurance Plan?

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

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

Compare travel insurance

How to Buy Affordable Travel Insurance Online (PGA SOMPO TravelJOY Plus – Philippines)

It’s a question we get all the time in varying forms: Is travel insurance really necessary? Kailangan ba talaga ng travel insurance?

And our resounding answer is always the same: YES!

It’s easy to dismiss insurance. When planning a trip, we only picture ourselves having a blast, with everything running smoothly. We don’t really (want to) think about accidents, illnesses or untoward events. Most of the time, we don’t feel it because you don’t need to use it. But that’s exactly the point. Travel insurance is that one thing you wish you won’t have to use, but when something unfortunate happens, you’d be thanking the heavens that you have it. Because, guess what, when traveling, things don’t always go as planned.

Bad things can happen when traveling. We know travelers who met a severe accident in Taiwan, who lost their baggage in Europe, and who were terribly inconvenienced by flight delays. We don’t even need to look far. One of our close friends was rushed to the hospital after his appendix suddenly burst with no warning in Thailand. And we, ourselves, have been robbed while on the road.

So yes, without question, we always recommend getting a travel insurance. But how do you find one that is easy to get and easy on the pocket?

Thankfully, getting a budget-friendly insurance is now more convenient than ever before. PGA SOMPO , a joint venture of the two of the most trusted insurance companies in the Philippines and Japan, brings you TravelJOY Plus . And it’s collaborating with The Poor Traveler to make travel insurance more affordable and more accessible to the readers of this blog.

By visiting the PGA Sompo page and using the code WORTHIT , you can get a special affordable rate on your TravelJOY Plus insurance.

Whether you’re traveling in or out of Asia or you’re applying for a Schengen visa , you can use this code to score a special rate on TravelJOY Plus products.

If you need more help, here’s our step-by-step process on how you could easily purchase an affordable policy online.

WHAT'S COVERED IN THIS GUIDE?

1. Visit the TravelJOY Plus website.

You can find it right here .

You’ll be greeted by a short form asking for the following information:

• Trip type (single or annual multi-trip): If you need a policy for just one trip, choose SINGLE . (If you’re traveling a lot, consider the ANNUAL MULTI-TRIP option, which covers the trips you make for the entire year.)
• Package: Choose INDIVIDUAL .
• Destinations: Enter ALL the countries or territories that you intend to visit. The system will choose the appropriate plan for you, depending on the countries you select. For example, if you enter a country within the Schengen Zone, the system will automatically detect that you need a plan that meets the Schengen visa requirement and is accredited in that country.
• Depart Date: the date you’re leaving your usual residence for the trip.
• Return Date: the date you’ll arrive at your usual residence after the trip.
• Number of Travelers: You can choose up to five. If you’re a bigger group, you may book another batch.
• Promo/Product Code: Enter WORTHIT to avail of a special rate.

Once the form is filled out, click GET QUOTE .

2. Pick the plan that suits your budget and requirements.

On the next page, you’ll be presented with your options. In most cases, you’ll have three options: BUDGET, STANDARD, and SUPREME. Check out the corresponding benefits in the column under each plan.

Note that the system automatically filters out the plans that don’t apply to the countries you entered in the previous page. For example, if you enter any Schengen country — say, France or Italy — it will show you only one plan, SUPREME, because it’s the one that is acceptable to the Schengen embassies. It’s pretty smart and savvy!

Note: The price varies depending on the destination countries and the duration of your trip.

Once you’ve made up your mind, click in SELECT (if the plan you choose isn’t highlighted yet) or BUY NOW .

3. Enter your personal information.

The next page will show you a form. Input your personal details correctly.

You’ll find two (3) main sections here: the Applicant, the Insured Person(s), and the Beneficiary.

Under the Applicant Details part, type in your information. If you’re a group, only one needs to fill it out. Below it are the fields for the insured persons, which can be up to 5 heads. If you, the applicant, is part of the party to be insured, you may just tick the “ Copy Applicant details to Insured Persons ” button to automatically duplicate your answers and avoid typing them all over again.

Here are some of the details needed:

• contact number
• email address
• nationality
• ID type and number

Towards the bottom, you’ll find a short form about your beneficiary. Enter their details. This is optional, though. If you leave it blank, it will automatically consider “Succession of Law”.

Agree to the Terms and Conditions as well as the Privacy Policy , and click CONTINUE .

4. Pay for your policy.

You will be redirected to the PesoPay Payment Service . Don’t freak out if the look and feel of the page changes. PesoPay which is the official payment partner of PGA SOMPO.

It will list down the available payment options, which are:

• Visa or MasterCard credit card or debit card
• BDO (over the counter)
• RCBC (over the counter)
• Bayad Center

Click on the logo of your chosen payment method.

If via card, you’ll be required to enter your credit card or debit card details.

If via GCash, you’ll be required to log in to your GCash account.

Once payment is complete, the screen will display a Transaction Result. Save or take a screenshot of it before moving on.

Then click CONTINUE . It will take you back to the PGA SOMPO website with a summary of your purchase.

5. Save your Confirmation of Cover.

Check your email, where you’ll receive a copy of the Confirmation of Cover (COC).

It looks like this:

Keep a copy of it or print it out as needed.

FREQUENTLY ASKED QUESTIONS

Is travel insurance required when traveling abroad.

That depends on your destination country or territory. Some countries do require a travel insurance in their visa application process. The best example of that is the Schengen visa, used to enter these 27 European states:

Austria Belgium Croatia Czech Republic Denmark Estonia Finland France Germany Greece Hungary Iceland Italy Latvia Liechtenstein Lithuania Luxembourg Malta Netherlands Norway Poland Portugal Slovakia Slovenia Spain Sweden Switzerland

Some countries and territories may also require travel insurance upon entry, so best to double check with the respective embassy to be sure.

For many others, insurance is not required. But even so, we urge you to get one and be protected. Just because it’s not required in your destination doesn’t mean you should dismiss it. Bad things can happen when traveling, and you’ll never know when you’d actually need it. Best to be prepared. With travel insurance, you can enjoy your trips worry-free!

What is PGA SOMPO TravelJOY Plus? What are its benefits?

TravelJOY Plus is the travel insurance offered by PGA SOMPO , a joint venture of Prudential Guarantee and Assurance, the top non-life insurance company in the Philippines, and Sompo Holdings, a leading non-life insurance company in Japan. Both are known for providing high-quality service.

Together, they put together TravelJoy, which can give travelers like you relief and compensation for untoward incidents like personal accidents, medical emergencies, flight or baggage delays, trip cancellation, evacuation, loss of money, and more! COVID-19 coverage is also included!

How much is TravelJOY Plus?

One great thing about TravelJOY Plus is its competitive pricing. It is one of the most value-for-money travel insurance products out there. Not only that, aside from its Standard and Supreme plans, it also has a BUDGET OPTION, perfect for shoestring travelers.

You can avail of a plan for as low as PHP 469 for Asia or PHP 475 for Japan, Middle East, and many other countries (for 1-4 days). The Schengen-accredited Supreme plan costs PHP 717 (1-4 days), and this also applies not just to the countries within the Schengen Zone but also the UK, Ireland, Turkey, and European Russia.

Here’s the full price list. But just in case there are cost movements in the future, best to visit this page to get a more updated quote.

Please take note of the following:

• ASIA – excluding Japan, the Philippines, and the Middle Eastern Countries.
• WORLDWIDE – including Japan, Australia, New Zealand, and the Middle East (excluding the Philippines)
• SCHENGEN – Schengen countries + UK, Ireland, Turkey, European Russia (St. Petersburg and Moscow), and the Euro Zone countries.

No need to worry much about it. If you visit PGA Sompo’s booking page , the system will automatically offer you the right plan based on the countries you enter.

Is there a GROUP or FAMILY option?

There used to be a FAMILY option, but it’s currently unavailable. In the meantime, you may choose INDIVIDUAL and select the number of pax that applies to you.

Why choose TravelJOY Plus?

Aside from its competitive prices, PGA SOMPO is part of the Sompo Group which is present in over 30 countries around the world. These Sompo offices worldwide can provide necessary assistance and support should the time come that you need it.

How to contact PGA SOMPO in case something happens?

The TravelJOY Plus Hotline is +632 8866 7388. It’s open 24/7.

Disclosure: This article is made possible through collaboration with PGA SOMPO.

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Travel insurance is a must when visiting any foreign country not because of the pandemic but for other unforeseen circumstances as well. This blog nicely presents sources to buy budget-friendly insurance.

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In our continuing effort to improve our services, Etiqa Philippines’ e-commerce systems will be undergoing a scheduled maintenance on October 22, 2019 from 1:00 AM to 3:30 AM .

During this period, you will temporarily be unable to purchase our products online. For your convenience, please purchase before 1:00 AM or after 3:30 AM.

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Terms and conditions of covid 19 rider.

• RT-PCR Test is part of the medical expenses limit and is ONLY covered for symptomatic patients
• Hospitalization due to COVID 19 will only be covered IF medically required and necessary as determined by a medical practitioner based on the condition of the Insured patient.
• Any quarantine expenses are NOT covered either as a requirement upon arrival in the foreign country (i.e., known risk) or as a requirement for a COVID positive Insured.
• We do not cover any medical evacuation / repatriation of people with the active virus.
• We do NOT cover the hospitalization expenses IF the quarantine facility for an asymptomatic or mild case patient is in a hospital in that particular country abroad.
• Medical check-ups due to COVID 19 for symptomatic patients that do not require hospitalizations (i.e., mild cases) IS NOT covered; Only the RT PCR Tests are covered for MILD cases that would not require hospitalization.
• For Trip Cancellation coverage (Prior to leaving the Philippines): “Serious illness understood as any unexpected alteration of the Insured's state of health that involves risk of death or implies hospitalization and makes it impossible to start the contracted trip”. If the reason for cancellation is due to COVID 19, the insured is obliged to submit a positive COVID 19 test performed 14 days before the start of the trip. [Contracting COVID 19 would require a positive COVID 19 test to validate that Insured has COVID 19, and would not rely on self-diagnosis or unsubstantiated doctors report.
• EXCLUDES coverage on expenses due to prolonging the stay of a positive COVID 19 who cannot travel but is asymptomatic and has not required medical attention and carrying out COVID 19 tests as a preventive measure or in asymptomatic policyholders, expenses related to mandatory quarantines without medical criteria. For those who have undergone hospitalization, our policy has a standard wording that only allows allow automatic extension of up to 10 days only from the initial expiry date if extension is due to a covered illness.
• Commercial gestures related to COVID 19 Coverages, by general definition, will not be allowed unless covered under the Terms and Conditions of this COVID 19 Travel Rider Indemnified Package.
• We reserve the right to the possibility of cancelling the travel insurance subscription to certain destinations if we see the possibility of adverse loss experience or increase in utilization in that particular destination abroad.
• This COVID Rider is specific to COVID-19 ONLY and will not extend to cover any other epidemic, pandemic and any communicable disease declared by any government agency, entity or in an executive order causing a state of emergency in any area and necessitating the setting up of appropriate quarantine measures therein.
• This is applicable to International Travel ONLY

PREMISES OF THE COVERAGE

• Can only be covered as a rider to the Travel Assistance Reinsurance Program and not as a separate / stand-alone new program
• For the purposes of issuance, it can go as an additional coverage or an optional rider that is attached to the contracted policy under the Travel Reinsurance Contract within its particular conditions.

IMPORTANT NOTES

• Quota Sharing
• Annual Minimum Reinsurance Premium (Quarterly Payment)
• Maximum Days of Coverage allowed (Indemnified Program)
• Maximum Age
• Eligible Individuals
• Declaration Mode
• We do NOT cover any medical evacuation / repatriation of people with the active virus.
• Any other epidemic, pandemic and any communicable disease declared by any government agency, entity or in an executive order causing a state of emergency in any area and necessitating the setting up of appropriate quarantine measures therein are also NOT covered under the main travel contract.
• This is applicable to International and Domestic Travel

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10 Best Travel Insurance Companies & Plans in the Philippines

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

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

See the Full List

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

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

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

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

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

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

His travel insurance paid for all medical expenses.

Who was the guy? Dunno, really.

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

The lesson?

Don’t touch ‘em monkeys.

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

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

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

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

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

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

What is a Travel Insurance?

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

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

How Travel Insurance works?

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

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

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

Yes—if you have travel insurance.

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

What does a Travel Insurance cover?

Travel insurance can reimburse you on the following expenses:

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

Related: 40+ Ways to Save Money while Traveling

Types of Travel Insurance in the Philippines

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

1. Vacation Plan Insurance

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

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

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

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

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

Related: Complete International Travel Checklist

2. Travel Medical Plan

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

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

• Medical Expenses
• Emergency Evacuations

Related: Easiest Countries to Get a Citizenship

Why do you need Travel Insurance?

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

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

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

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

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

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

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

How much does Travel Insurance cost in the Philippines?

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

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

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

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

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

Price range: Anywhere from Php 400 to Php 800

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

Price range: Anywhere from Php 500 to Php 3000

Best Travel Insurance Companies for Filipinos Traveling Abroad

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

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

1. World Nomads

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

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

Policy coverage:

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

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

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

2. AXA iON – Smart Traveler

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

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

Policy Coverage:

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

3. AIG Travel Guard

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

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

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

4. Fortune General

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

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

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

5. Pacific Cross

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

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

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

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

6. Malayan Travel Master

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

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

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

7. MAPFRE Philippines

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

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

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

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

8. FPG Insurance

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

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

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

9. Standard Insurance

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

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

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

10. Pioneer Insurance

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

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

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

5 Tips for Buying the Best Travel Insurance

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

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

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

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

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

Tip #2: Make sure it has sufficient medical coverage

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

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

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

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

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

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

What’s the deal?

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

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

Tip #4: Take advantage of your credit card perks

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

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

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

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

What’s not usually covered:

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

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

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

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

How to Claim your Travel Insurance

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

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

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

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

Required documents for claiming travel insurance due to trip cancellation:

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

In conclusion:

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

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

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

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

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

About Amiel Pineda

Amiel Pineda is the Head of Content at Grit PH.

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

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

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

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

Reader Interactions

February 10, 2019 at 1:04 pm

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

April 15, 2019 at 2:31 am

This is actually helpful, thanks.

May 22, 2019 at 12:42 pm

Medical insurance to use working abroad such as USA?

August 12, 2019 at 3:33 am

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

September 28, 2019 at 1:30 am

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

November 15, 2021 at 9:42 pm

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

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Individual Travel Insurance

Traveling is more enjoyable when you’re insured against the unexpected – be it lost passports or flight delays. We provide a travel insurance cover directly to you and your family members, with access to a medical services hotline no matter where you are. So whether you’re an occasional traveler or a global jetsetter, there’s tailor-made protection for you.

Coverage Highlights

What it covers.

• Necessary Medical Expenses
• Emergency Medical Evacuation and Repatriation
• Travel Delay or Cancellation
• 24/7 Emergency Medical and Travel Assistance
• Chubb Travel Insurance provides you with cover for risks including medical expenses, trip cancellation costs, flight or baggage delay and personal accidents
• Chubb offers Single Trip and Annual Plans for international and domestic travels
• Chubb Travel Insurance policyholders have access to Chubb Assistance, a global support network comprised of a team of medical experts who can assist by providing you a referral service if you become sick or injured overseas. No matter where you are in the world, a simple reverse charge call will give you 24-hour access to our assistance hotline.

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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.

More providers, more options

Easily compare travel insurance from top insurance companies.

100% transparent & customizable

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

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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

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

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

Travel Insurance Explained

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

What is Travel Insurance?

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

Why is Travel Insurance Important?

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

Reasons why getting travel insurance is essential

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

Travel Insurance Sample Coverage

International.

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

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

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

Travel Insurance FAQ

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

How do I choose the right travel insurance?

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

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

What are the requirements for getting travel insurance?

Policyholders need to meet the following criteria:

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

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

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

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

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

When is the best time to buy Travel Insurance?

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

Is luggage loss or theft always covered?

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

Does Travel Insurance cover extreme sports and outdoor activities?

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

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

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

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

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Travel Insurance

Now with COVID-19 coverage!  Let BDO Insure, as your insurance broker, help you get a comprehensive insurance for medical emergencies and inconveniences when traveling.

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

Choose your plan

Domestic Travel

Up to ₱1 Million emergency medical treatment benefit inclusive of up to ₱1 Million COVID-19 coverage.

International Travel

Up to ₱1.5 Million emergency medical treatment benefit inclusive of up to ₱1.5 Million COVID-19 coverage.

International Travel ₱2.5M

For Schengen visa requirement. Up to ₱2.5 Million emergency medical treatment benefit inclusive of up to ₱2.5 Million COVID-19 coverage.

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. 

Need higher coverage for your travels?

We are ready to help you find the right insurance plan for your travel needs.

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.

BDO Insure Head Office

43/F - 44/F BDO Corporate Center Ortigas, 12 ADB Avenue, Ortigas Center, 1550, Mandaluyong City

BDO Insure Contact Center

(+632) 8838-BDOI or 8838-2364

[email protected] 

You can also send us a message  here .

Domestic Toll-Free   

1800-10-8382364

BDO Insure is a 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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Travel insurance.

Worry-free travel is no longer a dream with protections from our Travel Insurance. From delays, cancellations, loss of items, to accidents, we got you covered!

Flight Insurance

Being away from home can invoke a certain kind of worry. To help you ease your mind from unwelcome disruptions throughout your trip, Traveloka presents a variety of insurance plans to suit your needs, from the day of your departure until the day of your return.

Plans & Benefits

With Chubb Insurance Philippines as our partner, we bring you Chubb Travel Insurance. Designed to provide maximum protection during your trip, Chubb offers three types of plans based on your flight route.

• Domestic Plan Customized for all flights flying within the Philippines
• International Plan (Asia & Worldwide) Customized for all international flights departing from the Philippines.
• Schengen Plan Customized for all flights to Schengen countries departing from the Philippines.

Table of Benefits

The complete insurance terms and conditions are detailed in Chubb Travel Protection Policy Wordings .

Book Your Flight

Choose your destination and travel date, then book a flight.

Add on Travel Protection

Fill in booking details, then scroll down and tick on the Travel Protection check box.

Proceed with Your Booking Payment

Total price includes your travel insurance.

Receive Insurance Policy

Insurance policy will be sent separately to your email.

What does Chubb Travel Protection cover?

Find your insurance coverage details below.

Please note that the maximum amount of coverage may vary depending on the Insurance Plan suited for your travel route.

• The expenses of medical attention and treatment of injury & sickness while on a trip.
• The medical attention and treatment upon return from the trip. Admission to a hospital must be made within 12 hours after arrival from a trip and must be a continuation of medical attention during the trip.
• Covers up to 30 days from the date of the return.
• Injury that resulted in accidental death or permanent total disability within 180 days from the date of the accident.
• Continuous medical treatment as in-patient in a hospital and loss of life because of the injury sustained.
• Cancellation Expense as the direct and necessary result of any Specified Cause which occurs up to 30 days prior to the scheduled departure date.
• For Specified Cause and Cancellation Expenses, refer to Policy Wordings for more details.
• Delay for at least 6 consecutive hours at any location overseas and in the Philippines.
• Delayed time is calculated from the difference between the scheduled and the actual departure time.
• The delay is a result from a strike or industrial action, adverse weather conditions or mechanical breakdown.
• The delay must be verified in writing by the airline or their handling agent. You are required to attach the report with your claim submission.
• If onward travel connection overseas is missed at the transfer point due to the late arrival of the incoming confirmed connecting scheduled and no onward transportation is available within 12 consecutive hours on the actual arrival time.
• You are not allowed to claim under both Travel Delay and Missed Connecting Flight for the same trip.
• All direct loss or damage to the baggage and personal effects in your hand-carried or check-in personal goods during the journey.
• Proof of such loss must be obtained in writing from the hotel management or the airline management
• If loss or damage is the result of violent means or threat, such loss must be reported to the police or relevant authority within 24 hours after the incident. You are required to attach the report with your claim submission.
• Valid when your check-in baggage on the scheduled flight is not delivered to you within 6 hours of your arrival at the destination.
• Not valid if the baggage delay occurs on the return journey.
• Terms & Conditions

The terms and conditions of Chubb Travel Protection are as follows:

• Insurance is non-refundable.
• Only valid for flights originating from Philippines.
• Applicable for travelers at least 18 years of age on the Effective Date. An Insured Person may also include a Dependent Child(ren) or an Infant if specifically named in the Certificate of Insurance.
• Covers the Insured Person during the entire trip.
• Valid for the first forty-five (45) consecutive days of any Journey, unless otherwise mentioned.

How to Claim

• Contact CHUBB at +632 8 8496000 or [email protected] , or fill in the online form at https://www.chubb.com/ph-en/claims .
• Written notice of a claim must be submitted within 30 days after the incident.
• Your claims will be processed within 5 – 10 working days after you have submitted all the required documents.
• Make sure that you collate and attach ALL the required supporting documents that are related to your claim onto your claim form. If you fail to do so, further contacts for clarification is needed and might cause a delay in the assessment of your claim.

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Travel Insurance to Philippines

Purchase insurance online on the website. Payment by any bank card. The insurance policy will be sent to your email within 3-5 minutes after payment. Valid worldwide electronically or print yourself

The insurance is valid in any country of the world

Any nationality

Insurance is suitable for citizens from any country and with any citizenship

The insurance is valid for people from 1 to 100 year old

Visa & Embassy

Insurance is suitable for submitting documents to the embassy and applying for a visa

The perfect travel health insurance that quickly solves problems of the tourist

The best health insurance for tourists. A single convenient tariff plan that includes all options. Price 1,5 USD for each day of travel

• Coverage of treatment for COVID-19
• Coverage for the treatment of other viral diseases
• Medication provision
• Treatment due to injury
• Calling a doctor
• Examination / doctor's consultation
• Emergency dental care
• Obstetric care until the 27th week
• Outpatient treatment
• Inpatient treatment
• Emergency call
• Calling a taxi to the hospital
• Transportation by medical aviation
• Medical evacuation to the country of residence
• Medical care
• Repatriation of the body to the homeland
• Burial in place
• Monetary compensation as a result of damage to the life or health of third parties
• Monetary compensation as a result of moral damage caused to third parties
• Monetary compensation as a result of damage to the property of third parties
• Transportation after inpatient treatment
• Depositing the deposit necessary for the release of the insured person from arrest

Select your travel details

Enter information about tourists

Make a payment in a convenient to you way

After payment, check your e-mail

How to quickly get a travel medical insurance for visa and travel in 4 easy steps?

Buy travel insurance online. Pay by bank card. The insurance is automatically sent to your email

Payment of travel medical insurance

Calculate the cost of the policy with the online calculator

Pay for insurance online with any bank card

We will send the insurance policy to your email immediately after payment

Specify country and dates of travel to get a price

Insurance details:

Trip duration:

Tourists: 1

Insurance includes:

35,000 USD (deductible 100 USD) , Calm

• 500 000 USD
• 1 000 000 USD
• Student Specially for students
• Work Accredited insurance for work
• Calm Fitness, yoga and pilates
• Extreme Wakeboard, freeride, wrestling
• Sport Competitions, training and camps
• Cruise For cruise ship travel

You must agree to the terms to continue

Trip duration: :

Medical coverage on 35,000 USD (deductible 100 USD) , Calm

Outpatient care, emergency doctor visits, dentistry, prescription drug costs

Enter your first and last name in the Latin alphabet, as in the passport

Trip participants

Tourist No. 1

, complete the purchase

We recommend including additional insurance in the policy

No deductible Deductible is the amount that the client must pay upon the occurrence of an insured event. Example: The hospital fee is $1,000. The deductible under tariff is 100 USD, the client pays 100 USD, and the insurance company pays 900 USD. Thus, the amount is divided between the client and the insurance company in accordance with the terms of the tariff plan.

Trip cancellation any serious injury of unforesseen medical condition that makes you unfit for travel (by order of licensed physician). the death of you or your travelling companion, or the death of a non-travelling family member. strikes or severe weather that result in travel services being unable to operate.unforeseen natural disasters at home or at the destination that make them uninhabitable. a legal obligation such as jury duty or being served with a court order or subpoena., search and rescue operation including evacuation by helicopter. up to 6000m, premium loss of baggage.

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Auras: your globally trusted international insurance provider

We make insurance simple. It is very well established among clients and has received a lot of positive feedback. World famous newspapers, TV channels, bloggers write about us

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Frequently asked questions

What is a deductible, is travel insurance required, can i buy an insurance policy when i am already in another country, when does the insurance policy take effect, in what language should i write the information when buying, what should i do if the data is entered incorrectly, how to buy insurance for a child, how to issue an insurance policy for another person, which country should be indicated in the policy if i plan to travel to two or more countries in a row, what should i do if the payment has not gone through, how long does it take to receive the insurance policy after payment, how will the policy be sent, i have not received my policy. what should i do, what to do if an insured event occurs, how is monetary compensation after an insured event carried out, can i buy insurance for one day, is it necessary to buy insurance when flying on a transit flight, select a country and language, write to the director, type of travel.

Please select the type of travel that covers the majority of risks during your trip.

• Running and walking;
• Fitness, yoga and pilates
• Aerobics and aqua aerobic;
• Fishing (except underwater fishing);
• Descent into the cave with an excursion;
• Snorkeling;
• Organized animal riding tours;
• Billiards and bowling;
• Swimming (except diving).
• Weightlifting and bodybuilding;
• Cycling (except road cycling, cycling motocross, cycling track, cycling triathlon, and mountain biking);
• Military and historical reenactments;
• Rowing (kayaking and canoeing);
• Ice skating (except figure skating), sledding (except bobsledding, tobogganing, and skeleton), tubing, snow skates;
• Ball games (football, basketball, American football, rugby, volleyball, and others);
• Tennis (any);
• Roller skating (except rollerblading), scooters, segways (and other self-balancing personal transporter devices);
• Travel as a driver or passenger on ATVs, scooters, mopeds, scooters and motorcycles, snowmobiles;
• Visiting water parks, amusement parks, jumping on a trampoline;
• Water activities (other than those explicitly mentioned in the riskier options), including the use of water bicycles (except aquabikes and jet skis), towed inflatables and parachutes (parasailing), boats and watercraft;
• Recreational organized shooting at specially equipped sites (including archery);
• Water skiing, water motorcycles (aquabike), water tourism including yachting and participation in regattas;
• Alpine skiing and snowboarding on specially equipped or marked tracks (except freestyle);
• Trekking (cross-country hiking without mountaineering equipment) up to 3000 meters above sea level;
• Jeep safari;
• Surfing (including windsurfing and wakesurfing, except skysurfing);
• Sandboarding;
• Unaccompanied animal riding (including horseback riding);
• Sports and ballroom dancing.
• Motor sports on special tracks;
• Arm wrestling;
• Bungee jumping, rope jumping, and other types of bungee jumping;
• Bobsledding and Luge;
• Wakeboarding;
• Cycling (including motocross, road, BMX, track, mountain biking, trials);
• Alpine skiing and snowboarding (including freeride and heliskiing);
• Martial Arts (including all types of boxing and wrestling: boxing, MMA, Muay Thai, kickboxing, and others);
• Paragliding;
• Hot Air Balloon;
• Cliff diving;
• Mountaineering (mountain hiking, rock climbing, mountain biking, trekking (climbing) in mountains above 3,000 meters);
• Participation in any flight and parachuting;
• Hunting with any type of weapon;
• Hang Gliding;
• Parkour and freerunning;
• Rodeo (bull riding);
• Rollerblading;
• Trolley rappelling;
• Street luge racing;
• Flyboarding;
• Freestyle (skiing and snowboarding);
• Pogo-stick;
• Rock and ice climbing;
• Figure skating;
• Kiting (including kitesurfing and snowkiting);
• Scuba diving;
• Underwater fishing;
• Mountainboarding.
• Exacerbation of chronic diseases
• Coverage of the diagnosis of COVID-19
• Compulsory observation for up to 15 days
• Amount of compensation in case of an accident
• Return of adults
• Returning home minor children
• Standart loss of baggage
• Flight delay over 4 hours
• Loss of documents
• Expenses for staying abroad
• Payment of attorney's services
• Payment of interpreter services
• Reimbursement of costs for the preparation of documents necessary for returning to the country of permanent residence
• Reimbursement of losses that led to breakdown or damage of rented / rental sports equipment
• Payment of the cost of telephone communication
• Car transportation to the nearest service station
• Return of the driver and passengers to the country of permanent residence
• Sudden technical breakdown or damage due to a road accident

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Safety is not expensive, it's priceless!

Insurance plans starting at just 1,5 USD per day

No medical checkup required

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Medical expenses, Trip cancellation/delay, Loss of baggage & Passport etc.

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Travel Insurance Philippines From India

Travel Insurance Philippines

Post the Covid-19 related travel regulations, the Philippines reopened its borders for travellers across the world from 10th February 2022. And so, if you have been planning a trip to this beautiful country, this could be the perfect time to do so! However, you need to be fully vaccinated to enter this picturesque country.

The Philippines is located in Southeast Asia and is a major archipelago of 7600 islands scattered along the Western Pacific Ocean. The country is an amalgamation of different cultures and is Asia’s largest Catholic nation.

From magnificent beaches to thrilling volcanic hikes, you can do so much more in the Philippines. But if you wish to make your trip safe and free from unnecessary trip-related hazards, it’s prudent to have a suitable travel insurance Philippines policy in place.

The best travel insurance Philippines plan will keep you financially protected against various medical and travel-related exigencies. So, if you fall sick during the trip or end up losing any important belongings in the Philippines, your travel insurance will be by your side and pay for the loss!

At Tata AIG, you can compare travel insurance plans online for your international trip to the Philippines and find the right premium for you by using travel insurance premium calculator . Our plans start from as low as just ₹45.5 per day*. Also, our online purchase, renewal, and claiming process is absolutely easy and hassle-free. If you are travelling with your family, you can purchase the family travel insurance plan for the Philippines.

Major Benefits of Buying a Travel Insurance Philippines Policy

A trip to the Philippines could be really exciting for you! However, when travelling to a different country for the first time, it’s important to be fully guarded against any kind of trip-related vulnerabilities that may arise. Accidents may come unannounced, and you may fall sick, get into accidents, lose your luggage, etc. Hence, if you wish to keep your financial troubles at bay during such a mishap, you should have valid travel insurance in place!

Here are some of the major advantages of having a travel insurance Philippines plan with Tata AIG -

• Local journey assistance
• Flight hijack cover
• Coverage for loss or delay of luggage
• Cover against personal liabilities
• Cover against hospitalisation due to accidents, illnesses, and COVID-19 care to the tune of $5,00,000
• Cover against medical emergencies due to Accident & Sickness, including the treatment of Covid-19 during the trip, if hospitalised
• With Tata AIG, buy travel insurance online for the Philippines in a hassle-free and fast way
• Affordable travel policy for the Philippines from India starting at just ₹45.5 per day*
• Automatic extension of your travel insurance Philippines online plan for up to 60 days or date of discharge, whichever is lesser in the event of hospitalisation close to the expiry date of the insurance plan
• Automatic 7-day extension of your travel insurance Philippines plan due to the cancellation or delay of your flight back to India

Travel Insurance Philippines from India

Although travel restrictions are annulled in the Philippines for travellers from outside, you should still be well-prepared when booking your tickets for this beautiful nation. Thanks to the pandemic, you never know when to get the virus contracted. Or what if you end up in an accident? We wish for a safe and financially secured trip abroad, but such events may come unannounced. Travelling to the Philippines as a first-timer could be exciting and daunting at the same time. So, if you are prepared well in advance for the adversities, you may experience a trip like never before.

To experience a worry-free trip to the Philippines, you need to ensure the total security of your trip. This is important because you will never know what will await you in an unknown place where it is difficult to understand the local language. However, with a travel insurance Philippines policy, you can at least have robust financial support.

A travel insurance Philippines policy will offer you just the right kind of financial support in a different nation amidst unknown faces and different cultures. In the Philippines, even though local people are friendly, you will not know where to go in case you meet with an accident. But with the best travel insurance in the Philippines, you can keep your worries at bay! Our international insurance policy will cover all kinds of medical emergencies and treatment costs overseas. Also, if you lose your luggage or passport, your valid travel insurance for the Philippines will compensate for the same.

At Tata AIG, you can buy travel insurance. The online Philippines plans to cover a wide range of accidental events that may arise during your trip. Therefore, if your tickets for the Philippines are done, it could be just the right time to apply for a Tata AIG travel insurance policy online.

Why Do You Need Travel Insurance Philippines from India?

When planning your trip to the Philippines, you should not keep any stone unturned and plan everything thoroughly. While going on a trip to a different country, no amount of research is ever enough to ensure that you will have the most memorable trip whatsoever. However, even when you think that everything related to the trip has been taken care of, you can never gauge any sudden accidental emergency or illness that may happen to you or your co-traveller while touring in the Philippines.

Also, keeping in mind the vulnerability of health conditions due to the ongoing Covid-19 virus, it’s always better to be safe than sorry. Hence, it’s always better to prepare yourself properly to travel well and come back with nothing but a bag full of memories.

So, you should always check the travel advisory by the Filipino government before departing for the country. Also, you must always have a robust international travel policy in place. This is vital because your travel medical insurance plan will keep you financially protected if you fall sick or meet with an accident during the trip. Medical treatments in the Philippines could be costly, and hence, having a travel insurance Philippines plan would be safe.

However, when buying a travel policy, it’s also important to compare travel insurance plans online to find the right one available. At Tata AIG’s official website, you can browse through the insurance plan prices and then choose the one that’s not only affordable but also comes with wide coverage options. Your chosen travel policy should have proper medical assistance, trip cancellation/extension coverage, luggage loss coverage, passport loss coverage, repatriation coverage, and so on.

With Tata AIG’s travel insurance Philippines policy, you can get all the features mentioned above and much more. Our international travel insurance plans will offer you a considerable amount of financial protection during your international trip to the Philippines.

Benefits offered by the Tata AIG travel insurance Philippines plan

With Tata AIG’s travel insurance Philippines plan, you can benefit from several travel insurance coverage options. Some of which are listed below:

1. Baggage Cover - If during your trip to the Philippines, you end up losing your luggage in transit or if it gets delayed at any of the airports, the Tata AIG baggage coverage will provide financial assistance for the same. This coverage option is included with our travel insurance Philippines policy, and with this, you can opt for full reimbursement for the cost of every single item in your checked-in luggage.

2. Journey Cover - With Tata AIG’s travel insurance for the Philippines from India, you will get complete coverage for your trip. It will include financial protection against the loss of your passport, the flight delay or cancellation, cancellation of your hotel bookings, etc.

3. Medical Cover - The Tata AIG travel insurance Philippines plan is designed perfectly to provide you with the essential monetary coverage during any kind of illness or any sudden accident during the trip that requires hospitalisation.

If you fall sick or meet with an accident in the Philippines that requires you to get hospitalised, our medical coverage will have you financially covered. Keeping in mind the current pandemic scenario, you can also get coverage against any Covid-19 related medical emergencies in the foreign land.

4. Miscellaneous Benefits -

• Travel insurance Philippines plans start at an affordable rate of just ₹45.5 per day*.
• Travel insurance purchasing can be done online through the Tata AIG website with no additional requirements of a thorough medical check-up.
• There is complete ease of paying the travel insurance premiums in Indian National Rupees and receiving the travel insurance Philippines coverage in the Philippines.

To get the best travel insurance for the Philippines, always compare travel insurance plans online with the help of our online travel insurance premium calculator .

The Philippines Visa and Entry Information

Visa Information For the Philippines

Indians who are planning a trip to the Philippines should have a valid Philippine visa to enter the beautiful country.

Here is the list of Philippine visas that are available for the travellers –

Single Entry valid for 3 months

Multiple Entry Valid for 6 months

Multiple Entry Valid for 1 year

Transit Visa

Student Visa

Pre-Arranged Employment Visa

Special Non-Immigrant Visa

Philippine Visa Fees for Indians

In order to get a Philippine Visa from India, there are certain specific fees that Indians need to pay. The following table specified the Philippine Visa fees for Indians who wish to apply for the same to visit the Philippines –

*The visa fees are subject to change. Kindly check the latest prices.

Process of Application for a Philippine Visa

If you wish to apply for a Philippine visa, you can do it in person or through a travel agency. If you wish to apply for the same in person, you can visit the Philippines Embassies in India in New Delhi, Kolkata, Mumbai, or Chennai. They will guide you through the entire visa application process.

You can also apply for a Philippine visa through a reputed travel agency. To do this, you need to download the visa application form and then fill it up properly. You need to provide all the necessary documents along with the duly

filled form and pay the required fees to apply for a visa through a travel agency.

Here are the documents you need to have to apply for a Philippine visa –

• The duly filled visa application form.
• One passport-size photograph.
• Bank statements duly stamped and signed by a bank officer for the last six months.
• The original passport has a validity of at least six months.
• Photocopy of the data and amendment pages in the passport.
• ‘Demand Draft’ is drawn from any bank with a branch in New Delhi that is payable to the ‘Embassy of the Philippines’.

Philippine Visa Application Centres in India

For Kolkata

For Chennai

Philippines Trip: Safety and Precautionary Measures to Be Undertaken

When you are in the Philippines, you should always obey the local safety protocols for avoiding any unnecessary incidents. Some of the general safety measures are listed below -

• Always keep your passport safe and with you.
• Do not unnecessarily participate in any demonstrations.
• If you find yourself amid any large local gatherings or protests, quickly take shelter in a safe place nearby.
• Keep following the local news and adjust your travel itinerary accordingly.
• Respect the local laws and regulations posed by the Filipino government and authorities.
• Do not be a part of any unlawful activities or violate the dignity of public places.
• Do not travel to any remote places without proper knowledge about the same. Take help from local authorities always.
• Always use official and legal means of transport.
• Be mindful of your visa validity in Indonesia and ensure that you do not overstay in the country without a valid visa.
• Protect your luggage, passport, and other belongings, especially in crowded spaces and tourist spots.
• Opt for the best travel insurance Philippines policy to have maximum financial support during your journey.

Covid-19 specific safety guidelines

• Cover your nose and mouth with a mask, especially in public places and while using public transport.
• Always maintain social distancing.
• Cooperate with the local Filipino government and designated authorities, and follow the applicable Covid-19 guidelines.
• Monitor yourself for any Covid-19 symptoms. Self-isolate and get tested in case you develop any of the symptoms.

If you have the right travel insurance Philippines plan in hand, you will not have to worry about the financial difficulties that may arise if you end up contracting the Covid-19 virus during your trip to and from the Philippines.

The Indian Embassy in the Philippines

Major international airports in the philippines.

• Clark International Airport
• Francisco Bangoy International Airport
• Mactan-Cebu International Airport
• Iloilo International Airport
• Kalibo International Airport
• Bacolod-Silay International Airport
• Ninoy Aquino International Airport

Currency and Foreign Exchange

The official currency in the Philippines is the Philippine peso. Each Philippine peso is divided into 100 sentimos, also called centavos. The currency code in the Philippines is PHP. And once you’re in the Philippines, you’ll find the symbol ₱ everywhere that is used to show prices. Philippine banknotes are available in denominations of 5, 10, 20, 50, 100, 200, 500, and 1000. However, the 5 and 10 PHP notes are not used very much.

A Few Must-Visit Philippines Tourist Places

The Philippines is a perfect mix of beautiful beaches, huge cities, and magnificent locales. And when planning your trip to the Philippines, it’s essential to have a bucket list in place. Once you are there, you won’t find any shortage of excitement. Here are a few destinations in the country that you must not forget to visit –

Manila Manila is the capital city of the Philippines and is the heart and soul of this beautiful country. The city is filled with gleaming skyscrapers rising across the Asian metropolis in the middle of the concrete buzz of the city. Here, you will find several modern parks, exciting malls, and luxury hotels with the best hospitality. So, Manila is one of the best places to visit in the Philippines.

Cebu Cebu is located in the Central Visayas region of the Philippines and includes more than 150 beautiful islands and islets. This place ranks amongst the best places to visit in the Philippines. It also draws more than 2 million tourists every year. In Cebu, you will find magnificent white beaches and superb diving spots. And quite naturally, Cebu has become one of the top tourist destinations in the Philippines.

Bohol Bohol is the land of the iconic Chocolate Hills in the Philippines. These are a bunch of unique geological formations that look like chocolate mounds. However, you need to visit this place, especially in the dry season, when these mounts turn brown, especially in the dry season. These 1,200 hills draw in tourists from all over the world, making it one of the country's top tourist destinations. Also, if you are fond of kayaking, you will find beautiful meandering rivers amidst the dense forest in Bohol that’s perfect for kayaking.

El Nido, Palawan El Nido is unmissable if you wish to visit a stunningly beautiful archipelago in the Philippines. The steep limestone cliffs in the place that’s right in the middle of the blue-green Ocean are a sight for sore eyes! You will find several islets and caves to explore in El Nido, and hence, you must keep it on your bucket list.

Best Time to Visit the Philippines

The best time to visit is from December to February. During this time, the temperatures are around 24°C-31°C. At this time, the country is fully accessible, and you will also be able to roam around the places in a much more comfortable way. Although the dry season in the Philippines lasts from November to April, temperatures are high during March and April, with highs of 34°C.

Disclaimer: All the information mentioned above is well-researched and sourced from reliable sources. Since this information is subject to change, it is advisable to check the latest travel guidelines and other location-specific information before planning a trip to any location. * Subject to change based on the nature and extent of the coverage.

Other Destinations

Disclaimer / tnc.

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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How to buy a travel insurance philippines plan.

If you wish to opt for a travel insurance Philippines policy with Tata AIG, you can directly visit our website and select the international travel insurance under the products section. Fill in the required personal information, select the right coverage options you wish to have in your travel policy, and make the payment online. If you want, you can also add some additional covers to your travel insurance for the Philippines with us, including the following.

1. Medical coverage 2. Baggage coverage 3. Journey coverage

Once you have opted for the necessary coverage options on your travel insurance Philippines plan, you can pay through your desired payment option online and complete the purchase process of the insurance policy. Upon verification, we will send the policy to your registered email ID.

How much should I pay for a travel insurance Philippines plan?

The premium payment for your travel insurance Philippines will depend upon various factors, including the duration of your stay in the Philippines and the sum insured you choose. It is advisable to select an appropriate sum assured in order to have sufficient coverage during your trip.

This becomes even more vital if you are planning your trip with your family. With the Tata AIG travel insurance Philippines plans, you can avail of the excellent coverage benefits at a price that won’t leave a hole in your pockets! You can determine the price of your travel insurance Philippines plan with our Travel Insurance Premium Calculator.

What are the exclusions in the travel insurance Philippines plan?

Some of the exclusions in an international travel insurance plan are loss of passport or delays due to detention or confiscation by the police or any other authorities, any loss due to threat to national security like riots, and non-medical expenses that you incur. Moreover, if a medical emergency is caused if you travel against the advice of your doctor and pre-existing disease-related emergencies will not be covered.

Does the travel insurance Philippines plan have a free-look period?

We offer a 15-day free look period on annual and multi-trip policies. But if you are purchasing a single trip policy for your trip to the Philippines, no free look period is provided to you.

If there is a change in my travel dates to the Philippines, can I make the changes to the travel dates mentioned in the policy?

Yes, you can change the travel dates mentioned in the policy before the commencement of your travel insurance plan, which is the same as your date of travel.

When will my travel insurance Philippines from Tata AIG end?

The end date of your travel insurance plan will be mentioned on your policy document. For single trip policies, the travel insurance ends as soon as your trip ends and you return to your city of residence. For multi-trip policies, you can check the dates on your policy document.

I am immigrating to the Philippines, do I need a travel insurance plan?

We provide travel insurance for work, leisure, and business purposes. You can also buy a travel insurance Philippines plan if you are travelling for study purposes. If you are planning to migrate, the travel insurance plan will not be able to cover you.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

• HTH Worldwide Travel Insurance
• GoReady travel insurance
• Nationwide Travel Insurance
• Trawick International Travel Insurance

Affordable Travel Insurance Tips

• Why You Should Trust Us

Best Cheap Travel Insurance of April 2024

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

In an ever-evolving world, emergency medical and evacuation travel insurance coverage is essential, especially if you're traveling internationally. However, sports equipment coverage, pet protection, and cancel for any reason coverage are among the increasingly popular coverage options that are changing the way we travel.

Best Cheap Travel Insurance

• HTH Worldwide Travel Insurance : Best overall
• GoReady travel insurance : Best for trip cancellation 
• Nationwide Travel Insurance : Best value
• Trawick International Travel Insurance : Most popular

Compare the Top Cheap Travel Insurance Plans

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a CFAR upgrade add-on on certain plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Comprehensive insurance plans include generous coverage for baggage loss, plus protection from hurricane and other intense weather-related issues
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Competitive pricing
• con icon Two crossed lines that form an 'X'. Online complaints about claims not being paid and non-responsiveness
• con icon Two crossed lines that form an 'X'. Not all more expensive plans include CFAR coverage
• con icon Two crossed lines that form an 'X'. Dropping rating with AM Best
• Annual and multi-trip plans available
• All plans include pandemic coverage for COVID-19
• Coverage for weather-related delays, cancellations and other incidents

• Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
• con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
• con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

• Cancel for any reason coverage available

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

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
• con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
• con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
• con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims

Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.

• Travel medical insurance
• Trip protection and cancellation
• International student insurance
• Visitor medical insurance (for traveling to the US)

Affordable Travel Insurance Reviews

So you're planning a big family vacation—if you're lucky, the trip of a lifetime. Travel costs can skyrocket quickly, leaving you feeling a bit overwhelmed. At this point, travel insurance starts to look like a potentially unnecessary cost, but is it really?

The best travel insurance plans can go a long way toward defraying unexpected costs that may arise if you're asking the right questions starting with: What does travel insurance cover ?

Best Affordable Travel Insurance Overall: HTH Worldwide TripProtector Economy Travel Insurance

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review here.

Best Affordable Travel Insurance for Trip Cancellation: GoReady Trip Cancellation Plan Travel Insurance

The GoReady travel insurance Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our GoReady Travel Insurance review here.

Best Value Cheap Travel Insurance: Nationwide Essential Travel Insurance

Nationwide Travel Insurance  is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review here

Most Popular Cheap Travel Insurance: Trawick Safe Travels Explorer Travel Insurance

The Trawick International Travel Insurance Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review here.

Types of Cheap Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, making it a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel agency SquareMouth .)

• Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
• Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
• Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

If you just want trip cancellation protection, go with the GoReady Trip Cancellation Plan. For more robust coverage that won't break the bank, consider HTH Worldwide's TripProtector Economy, Trawick's Safe Travels Explorer, or Nationwide's Essentials plan.

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs.

Travelers insurance is relatively cheap because it only covers you for a set period of time, and depending on your plan, the level of coverage you get may not be particularly high. However, even with high coverage limits and extras like cancel for any reason coverage , travel insurance is relatively affordable. 

The average cost of travel insurance is 4%-8% of your trip's cost. This usually translates into a premium between $89 to $399.

Why You Should Trust Us: How We Chose the Best Cheap Travel Insurance

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The seven winning plans cost between $29 to $74 — significantly below the typical cost of comprehensive travel insurance, which can range between 4%-8% of total travel expenses, according to the US Travel Insurance Association. But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or "cancel for any reason" (CFAR) protection. So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include financial protection if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now. 

You can read more about how Business Insider rates insurance here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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