Travel insurance for the Philippines

Average customer rating: 4.3/5
Written by Tiana Lee-Collins
Reviewed by Adrian Taylor
Last updated March 21, 2024

Why take out travel insurance for the Philippines?

Travel insurance can provide a financial safety net if your adventure doesn’t go to plan. A comprehensive travel insurance policy can cover you for a range of events and may keep you from having to pay unforeseen costs out of pocket. Some benefits include:

  • Medical cover. Your policy may cover you if you’re injured or fall ill and need medical treatment while you’re overseas.
  • Cancellation cover. Things like natural disasters travel delays, sickness and more can impact your holiday, but cancellation cover may help reimburse you for expenses you didn’t plan for.
  • Luggage cover. It can be useful to have your personal belongings covered in case they’re lost, stolen or damaged while you’re overseas, as bag snatching and other scams are common, especially when using public transport or ATMs.

Choosing travel insurance for the Philippines

When you’re looking to buy travel insurance to suit your trip to the Philippines, it’s important to get the right cover. Here are some things to keep in mind when searching for cover:

  • Consider what level of cover best suits your trip; while a basic medical-only policy can be budget-friendly, a comprehensive policy will have more inclusions, likely with higher claim limits.
  • You can usually choose to purchase optional extras to get coverage for things not automatically covered by your travel insurance policy, such as certain adventure sports.
  • By reading your policy’s Product Disclosure Statement (PDS) before purchasing, you can check if you’re happy with your policy’s inclusions, and be sure you understand the limits, sub-limits and exclusions. You can also read the Target Market Determination (TMD) to check if the policy is right for you.

Expert tips for choosing the right travel insurance for your Philippines trip

Before heading overseas, check out the top tips for purchasing travel insurance for the Philippines from our Executive General Manager of General Insurance, Adrian Taylor.

Adrian Taylor
Executive General Manager – General Insurance

Check if you’re covered for COVID-19

If you’re interested in cover for COVID-19 (coronavirus) related losses, you’ll likely need to purchase top tier cover or a comprehensive policy for COVID-19 cover to be included. Look for the COVID-19 icon when you compare products.

Match your cover to your trip

When you travel, consider what inclusions you want in your policy like medical expenses, cancellation fees, luggage and rental vehicle excess. You may also want additional cover for adventure activities, motorcycle riding or cruises. Keep all this in mind when shopping for a policy.

Declare any pre-existing medical conditions

If you have any pre-existing medical conditions, search for products that allow you to declare these conditions as part of your application to your chosen insurer so they can assess your eligibility. That way, you can ensure you understand what you’re covered for and there are no surprises if you get injured or become ill.

Do I need travel insurance for the Philippines?

It’s always a good idea to consider buying a travel insurance policy for your travels. Depending on the level of cover, travel insurance could help pay for medical costs, including emergency medical assistance, as well as cancelled trips, lost or stolen belongings and more.

In the 2021-22 Consular State of Play, the Philippines recorded the second-highest number of consular assistance cases from the Department of Foreign Affairs and Trade (DFAT), with 555 cases reported.1 While travel insurance can’t cover everything, it can help provide peace of mind and a safety net against financial loss, depending on the level of cover purchased.

When choosing a policy, be sure to read over the PDS for the ins and outs of what your travel insurance covers you for.

Inclusions and exclusions

What travel insurance for the Philippines should cover

What’s excluded from travel insurance for the Philippines?

Meet our travel insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.

1 Department of Foreign Affairs and Trade, Australian Government. Consular State of Play: 2021-22. Accessed September 2023.

2 Smartraveller, Department of Foreign Affairs and Trade, Australian Government. Philippines. Last updated April 2023. Accessed September 2023.