Accidents can happen anywhere, including in well-known cities like Manila or Cebu. Travel insurance may cover your hospital or treatment costs for minor injuries like a twisted ankle to unexpected medical emergencies. The level of cover will depend on the insurance policy purchased.
The Philippines also experiences various natural disasters, including volcanic eruptions, earthquakes, tsunamis and typhoons. If you’re in the Philippines when a natural disaster occurs, it could cause your flight home to be delayed, damage your belongings and pose a serious risk of injury to yourself.
Depending on the level of cover purchased, travel insurance may cover medical expenses relating to natural disasters, but not all policies will cover all related costs. For example, coverage for volcanic eruptions may need to be purchased as an additional add-on.
Keep in mind, your travel insurance will only cover you if you purchased it before the natural disaster occurred. Read your policy’s PDS for the specifics of your natural disaster coverage.
Due to the risk of theft and crime in the Philippines, such as pickpocketing, scams and bag-snatching, it may be wise to check that your insurance policy covers stolen, lost or damaged belongings – including cash, credit cards and travel documents. However, if you leave your belongings unattended in a public place then any theft claims will not be met.
Your travel insurance plan may cover you for disruptions to your trip where you need to re-book or cancel your journey overseas. Trip cancellation and delay cover can also assist you in situations where delayed flights mean you need to purchase emergency accommodation or be reimbursed for activities you can no longer attend.
If you buy comprehensive travel insurance in advance, you can also be covered if an emergency causes you to need to cancel your trip before you’ve even left Australia. The specifics of your policy depend on your insurer and your level of cover and can be found in your cover’s PDS.
The Philippines are home to some incredible coral reefs. However, snorkelling and scuba diving are not standard inclusions in some travel insurance policies.
If a travel insurance provider doesn’t automatically cover these activities, you may still be able to get cover from them by paying extra for an adventure sports add-on. This is especially important in the Philippines, where many tour operators may not adhere to minimum safety requirements.
1 Department of Foreign Affairs and Trade, Australian Government. Consular State of Play: 2021-22. Accessed January 2022.
2 Smartraveller, Department of Foreign Affairs and Trade, Australian Government. Philippines. Last updated January 2023. Accessed January 2023.