Is travel insurance required for visiting the Philippines?

Travel insurance is not mandatory for most nationalities visiting the Philippines. However, it is strongly recommended for medical coverage and trip protection.

How much does travel insurance cost for the Philippines?

Single-trip travel insurance for the Philippines starts at ₱150–₱299 per trip. Annual multi-trip plans range from ₱2,000–₱5,000 per year.

Does travel insurance cover COVID-19 in the Philippines?

Most major insurers (AXA, BPI MS, Chubb) now include COVID-19 medical coverage. Check if quarantine hotel costs and trip cancellation due to COVID are included.

Can I buy travel insurance after booking my flight?

Yes, but buy it as soon as possible. Trip cancellation coverage only applies to events that occur after the policy purchase date.

What is the best travel insurance for Schengen visa?

Schengen visa requires minimum €30,000 (about ₱1.8M) medical coverage. AXA and Chubb offer Schengen-compliant plans. Always verify the coverage meets embassy requirements.

Does travel insurance cover adventure activities?

Standard plans exclude extreme sports. If you plan to scuba dive, surf, or do adventure activities, purchase a plan with adventure sports add-on coverage.

InsuranceUpdated April 2026

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
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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