Best Travel Insurance Philippines 2026
Compare travel insurance plans for Filipinos traveling abroad and foreigners visiting the Philippines. COVID-19 coverage included.
What Does Travel Insurance Cover?
Medical Expenses
Covers hospitalization, emergency treatment, and medical evacuation abroad. Look for at least ₱2M coverage.
Trip Cancellation
Reimburses non-refundable costs if you cancel due to illness, death in family, or covered events.
Baggage Loss
Covers lost, stolen, or damaged luggage. Usually ₱10,000–₱50,000 per claim.
Flight Delay
Pays a daily allowance if your flight is delayed 6+ hours. Typically ₱1,000–₱3,000 per day.
Personal Liability
Covers legal costs if you accidentally injure someone or damage property abroad.
COVID-19 Coverage
Most modern plans now include COVID-19 medical coverage. Check if quarantine costs are included.
Travel Insurance Comparison
| Provider | Medical Coverage | Trip Type | Starting Price | COVID-19 | Trip Cancel |
|---|---|---|---|---|---|
| AXA Travel InsuranceMOST POPULAR | ₱5M medical | Single/Annual | ₱299/trip | ||
| Malayan Insurance | ₱3M medical | Single/Annual | ₱250/trip | ||
| Pioneer InsuranceBEST BUDGET | ₱2M medical | Single | ₱199/trip | ||
| BPI MS TravelBEST COVERAGE | ₱5M medical | Single/Annual | ₱350/trip | ||
| Chubb TravelPREMIUM | ₱10M medical | Single/Annual | ₱450/trip | ||
| FPG Insurance | ₱1.5M medical | Single | ₱150/trip |
Prices shown are for a single-trip plan for a healthy adult under 60. Rates vary by destination, duration, and age.
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