Location: Asia
Capital: 
Language: Filipino, English
Currency: Philippine Peso
Population: Around 115 million
Best time to visit: Dec to Feb
Vacation spots: 
Travel insurance for Philippines resources
International travel insurance resources for Philippines visa holders.
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Reimbursement for loss of pre-paid, non-refundable payments.
Transportation to or between hospitals as needed.
Reimbursement of food and lodging expenses due to delay in travel.
Pays sum for lost or delayed luggage by airline.
Covers cost of treatment for sickness or injury during your vacation.
Yes - the Philippines Inter-Agency Task Force for the Management of Emerging Infectious Diseases (IATF) has made Philippine travel insurance requirements mandatory for international tourists from non-visa required countries to visit the Philippines. This rule was needed in February 2022. Please note the travel insurance requirements for the Philippines will change given the changes brought about due to the pandemic, please refer to the Philippines government website for the latest information.
All the travel insurance plans that are available from our compare engine provide a VISA LETTER which is the official document that you must show to be allowed to board the plane to go to the Philippines (and upon arrival). While it is enough to have it available on your phone, a hard copy can be a good back up if you can arrange it. Access to the Philippines travel insurance visa letter varies depending on the exact company you purchase from. Regardless, if you have any issues with getting the required Philippines visa letter document, please call us as soon as possible so we can assist you!
Valid Passport: Ensure that your passport is valid for at least six months beyond your intended departure date from the Philippines.
Visa Requirements: US citizens can enter the Philippines visa-free for short stays (up to 30 days) for tourism purposes. If you plan to stay longer or have other purposes of visit, check the specific visa requirements based on your citizenship.
Travel health insurance: It's advisable to have comprehensive travel health insurance for Philippines that covers medical expenses and emergency evacuation in case of unforeseen circumstances during your trip.
Here are some key guidelines for travelers in Philippines:
Travel insurance with covid coverage Philippines is mandatory for international travelers including US citizens, it is also true that U.S. health insurance including medicare provides limited coverage in the Philippines. At American Visitor Insurance, we aim to provide the best covid19 travel insurance Philippines coverage for US Citizens. Travelers can compare travel insurance covering Covid19 Philippines by using our Philippine travel insurance compare tool..
The following USA travel insurance companies are offering Philippine travel insurance with Covid coverage for US citizens:
Trawick International offers covid travel medical insurance for coronavirus with their Safe Travel insurance plans.
Travel insurance with Covid19 coverage is required for travel to the Philippines. Given the health risks and increased healthcare costs involved in light of the pandemic, it is prudent to have good Covid19 travel insurance which covers quarantine expenses as well. Travelers can compare Philippines travel health insurance with Covid coverage by using our travel insurance compare tool. Travelers can compare the best Philippines travel insurance for Covid19 illness and quarantine coverage. Based on the travelers insurance requirements we display the appropriate Covid travel insurance plans from top rated US insurance providers.
US citizens should consider buying travel insurance especially if traveling outside their home state. The travel insurance plans are designed for US vacationers with coverage for insuring the health of the traveler as well the trip expenses cost. Some examples of coverage benefits are trip cancellation, trip delay, Covid quarantine travel insurance, medical evacuation, injury of family member, travel companion or pet, theft of passport, traffic accident, inclement weather resulting in delay or cancellation of common carrier.
Travelers can also include the Cancel for Any reason (CFAR) travel insurance which gives travelers the option of cancelling their travel and recouping most of their non-refundable trip expenses. Travel insurance provides coverage in the following ways:The travel insurance offered by IMG is a three-tiered series of plans: Travel Lite, Travel SE and Travel LX. These plans offer coverage for unexpected medical expenses dues to accident or sickness as well as insure your trip expense investment in case of a trip cancellation or delay.
Travel LX insurance has 'Cancel for any reason' benefit included and provides coverage up to $100,000. The Travel SE and Travel LX plans offer Trip Delay benefit up a maximum of $2,000 per person and $2,500 per person respectively which satisfy many countries Covid travel insurance quarantine requirements.
Compare IMG Trip insuranceSafe Travels Trip protection insurance plans for trip cancellation expenses from Trawick International offer coverage for non refundable trip expenses incurred when a trip is cancelled. The Safe Travels Voyager insurance and Safe travels Explorer insurance is quite popular as it offers Covid19 quarantine accommodation coverage.
The Safe Travels First Class Trip Protection, and Safe Travels Voyager insurance have an optional benefit that is the 'Cancel for any Reason' which is available as a rider at an additional cost.
Compare Safe Travels Trip Protection insuranceThe Trip Protection Series by Seven Corners is a three-tiered series of plans with good, better, best plan with Trip Protection Basic and Trip Protection Choice. There is an additional cost for the number of days which exceed 30 days, but you can have a trip last up to 180 days.
Trip Protection Elite from Seven Corners offers cancel for any reason for residents of Missouri, New York, Pennsylvania and Washington travelling in the United States /internationally. you can have a trip last up to 90 days.
There is also the optional coverage for loss of ski days and equipment and lost golf rounds and rental. Note that insuring a trip for $0 to $500 gives the same, lowest rate available.
Compare Trip Protection insurance plansI am always appreciating good business conduct and when I am coming back here for the longer time span...
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US Citizens travelling both outside the US as well as within the country can get travel insurance coverage. US citizens travelling beyond 100 miles from their home can buy domestic travel insurance and US citizens travelling overseas can buy the best travel insurance. Travelling while it brings plenty of enjoyment also has an element of risk for sudden sickness or injury. The cost of healthcare is high and having good travel insurance is important.
The travel industry has been facing several challenges with the Covid pandemic, the Ukraine war, labor shortage in airline and airports along with severe adverse weather conditions. All these have brought about uncertainty amongst travelers, long airport security checks, delayed or cancelled flights, lost or delayed baggage, Covid19 infections and Quarantine rules.
Many a time’s travelers can face circumstances that are completely out of travelers control. Travelers may face work related complications, health conditions of the traveler or family members that may force them to bring about a change in travel plans.In such situations travel insurance with cancel for any reason coverage benefit provides full flexibility to recoup the trip expenses.
US citizens travelling for a vacation should know that US Medicare and the domestic US health insurance provide little or no coverage outside US borders. While travelling, the health of the traveler is most important along with the cost of the trip itself. When older travelers are travelling any sudden illness and sickness may be a huge financial expense which will be covered by Travel insurance for US senior citizen travelers.US older travellers can also buy travel insurance with pre-existing conditions coverage for acute onset of pre-existing ailments which is prudent for senior citizens from US going abroad. The best travel insurance becomes the main cover for US citizens travelling away from the US and offers coverage to reduce the traveler’s expenses.
US senior citizens who have Medicare coverage should buy international travel health insurance while traveling outside the United States. Good travel health insurance is required since Medicare offers very limited coverage outside the US. International travel always involves risks.
This is especially true for older travelers and given that the costs of medical evacuation and health care outside the United States is expensive, buying good Medicare Supplemental international Travel insurance coverage is prudent.
Get quote »Globehopper travel medical insurance offered by International Medical Group (IMG) is specifically designed for US citizens and US permanent residents aged 65 years and older. The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for single trips with coverage from 5 days to 365 days, or as the GlobeHopper Multi-trip plan which covers a period of 12 months with a maximum of 30 days for each overseas trip. The GlobeHopper Senior plan is very popular as it provides coverage up to $1 million for travelers less than 79 years and $100,000 for travelers more than 80 years old. The plan includes $2,500 cover for sudden unexpected recurrence of an existing medical ailment and $25,000 for emergency medical evacuation.
Going on a cruise vacation is truly exciting, however one must take suitable action to ensure that the cruise vacation is not a disappointment. Vacationers are likely to book for the cruise well in advance of the actual travel dates, and it is possible that one is not able to make the cruise as planned.
Best Cruise trip insurance ensures that vacationers can vacation investment should there be a disruption and one cannot make the cruise. Most cruises offers Cruise protection, but that is not the same as trip insurance for cruises.
A cruise protection usually gives vouchers for the traveler if they miss the cruise, but getting money back is not the norm, which is what trip insurance for cruises offer. Vacationers can shield themselves best by purchasing the Cancel for any reason travel insurance benefit. This gives the flexibility of cancellation the cruise vacation for any reason, and the traveler can get reimbursed up to 75% of the non-refundable trip expenses. The cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best cruise travel insurance plans.
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Is it worth buying trip cancellation plans? Annual vacation that is once in a lifetime experience could be very expensive. Planning a vacation involves expenses from booking air tickets, cruise reservations, hotel bookings which is don't months in advance. As life is not certain, we cannot predict what can happen in the future which can resulting in cancelling an expensive vacation or trip or making other trip arrangements. Sometimes while on a trip an emergency medical situation may arise which can result in hospitalization and huge medical bills. Other risks involved maybe baggage loss, flight delay, trip interruption, loss of passport which can cripple your life savings. Buying Trip protection insurance for Philippines can be a life and money saver which will cover most of the trip investment expenses and expenses arising from emergency travel and medical expenses.
Buy Trip Cancellation Insurance
For short term travel vacations ranging from a few weeks to few months (less than a year). This covers all catastrophic health care expenses, but does not include coverage for preventive care and has limited cover for pre-existing conditions...
Click here to read more »Ideal for expats working overseas and for US pensioners living outside the US. These plans offers comprehensive coverage for preventive-care, pre-existing conditions, mental health, dental and vision benefits...
Click here to read more »Even though it might not be mandatory to have medical insurance for USA travelers to Philippines. However, given the Covid pandemic, the war in Ukraine, international travel has become more uncertain with disrupted flights and pandemic restriction, it is very important to buy good short term travel insurance from USA to the Philippines to insure oneself against being forced to pay for unexpected expenses and healthcare facilities while on a vacation.
At American visitor insurance we offer Covid travel insurance for US citizens which work well as health insurance for US visitors to Philippines. International travelers can compare different health insurance for visitors in Philippines and buy the best travel insurance for the Philippines according to their specific USA to Philippines travel insurance requirements.
Medicare will not cover US citizens traveling to Philippines. Medicare will cover eligible older Americans only within the US borders. All the 50 US states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, the Northern Mariana Islands, and American Samoa are considered part of the U.S and accept US Medicare. However, Medicare will not pay for health care services outside these US territories or traveling in a ship and when the ship is more than 6 hours away from the US port. The Medicare prescription drugs plan also does not offer coverage for the drugs purchased outside the United States.
There are some USA Covid travel insurance plans available for travel to Philippines that cover covid19 as a new illness. International travelers can compare best Covid travel insurance plans and buy it online. These US covid travel insurance plans are available for visitors from Philippines to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.
If you are applying for the Philippines visa, the consular authorities can ask you to have adequate travel insurance for Philippines. Even if not for being issued a visa, covid insurance for travel to Philippines is mandatory and the fact that your domestic health insurance including US Medicare provides little coverage in Philippines, it is important for international travelers to buy Philippines travel health insurance.
Excellent question and we try hard to find the best answer to this question! Given the unique needs of different travelers there is not one Philippines travel insurance plan that always works best for everyone. If you are a traveler with concerns about an existing medical conditions, then you will be looking at different plans as opposed to a different traveler without any life-threatening pre-existing condition.
We endeavor to give our visitors all relevant information so they can find the best Philippines health insurance for tourists. Our travel insurance quote comparison tool helps travelers compare different travel health insurance plans based on price and coverages in an objective manner. If you want some more guidance, our licensed agents are here to help you with your choice!
The international travel situation remains uncertain as we are still dealing with the on-going (seemingly endless) pandemic and now the Ukraine war and a slowing economy. US travelers returning home from overseas are no longer required to have a negative Covid test, however a Covid infection can force one to stay in Quarantine outside the US. This increases the travel risks and the chance of losing non-refundable trip expenses as well as increased Quarantine expenses. Given this, it is very important to buy travel insurance with coverage for Covid19 quarantine expenses.
Most countries no longer make it mandatory for international travelers to carry a negative covid test report or even have the Covid vaccination for entering their country. However, different countries have different rules, which change under short notice. Given the fluid international travel situation, it remains prudent to buy good international travel insurance to help overcome any adverse situation.
The cost of covid19 travel insurance for travel to Philippines with coverage for Covid19 medical expenses will depend on the following factors :
(a) Age of the traveler
(b) Length of Covid travel insurance Philippines required
(c) The Philippines Covid19 travel insurance of $35,000 USD (approx P1.75 million) medical maximum coverage as mandated by the consulates.
(d) The deductible and co-insurance on the Philippines Covid travel insurance plan
(e) Any additional Covid insurance Philippines coverage like for acute onset of pre-existing conditions
(f) Covid19 travel insurance Philippines costs vary based on the insurance provider and underwriting company.
The regular US health insurance including Medicare provide little to no health insurance coverage outside US borders. International travel insurance provides health coverage and financial protection in case of unexpected events such as medical emergencies, trip cancellations or interruptions, lost baggage, or travel delays typically. Given that travel insurance usually costs only around 5% of the total trip cost, it is very logical for US citizens traveling overseas to buy the best travel insurance for Philippines. Healthcare costs can be high in Philippines, and travel insurance ensures that you have medical evacuation if needed and access to good medical assistance and treatment.
The travel insurance coverage will vary depending on the policy and insurance provider, but it typically includes
The cost of travel insurance can vary depending on several factors, including the duration of your trip, your age, the level of coverage you choose, and any additional add-ons or options you select. On average, travel insurance for a US citizen visiting Philippines can range from $50 to $200 for a week-long trip, which is between 5% to 8% of the trip cost. It is recommended to obtain quotes from different insurance providers on American Visitor Insurance to compare prices and coverage options.
Coverage for pre-existing medical conditions can vary depending on the insurance policy. Some travel insurance plans offer coverage for acute onset of a pre-existing conditions, while others may exclude them. It is important to carefully review the policy details and any exclusions or limitations related to pre-existing conditions using the comparison facility available on American Visitor Insurance.
Travel insurance is not mandatory for US citizens visiting Philippines. However, even if not mandatory, travel insurance for Philippines is highly recommended so as to have adequate coverage in case of unexpected travel or health related emergencies. Without travel insurance, you may be personally responsible for covering the costs associated with medical emergencies, trip cancellations, or lost belongings, which can be significant.
When choosing travel insurance for your trip to Philippines, consider the following factors
When buying travel health insurance for Philippines, it is important to compare travel insurance policies from multiple providers to find the best coverage at the best price. This is achieved with ease at American Visitor Insurance, where prices and benefits of the different plans are displayed in an user friendly comparison tool. As a traveler, you should also carefully review the policy's brochure and understand the exclusions that are not covered.
Complete the travel insurance quote form by providing traveler details and the insurance requirements.
Compare price and the benefits of the different travel insurance options to identify what fits your needs best.
Buy the plan that fits your needs and budget by using a credit card and completing the online application.
Review the travel insurance policy documents received by email for coverage details and relevant contact numbers.
The travel insurance price is directly proportional to the age of the traveler. The older the traveler and higher is the cost of the travel insurance.
Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.
The price of travel health insurance is directly dependant on the maximum medical coverage and inversely dependant on the deductible of the plan chosen.
Travel insurance depends on the coverage region. The cost for travel health insurance in some countries (USA …) is more expensive than others.
The longer the duration of visitor medical insurance required, the higher will be the cost.
Additional add-on benefits like adventure sports coverage will increase the cost of coverage.
Quite often groups travel overseas together. The groups could be traveling for varied reasons such as employees on training, groups of tourists holidaying, members of a missionary organization, groups of students attending a sporting or academic event. Since the regular domestic health insurance will usually not cover you outside your home country you can buy cheap Group travel health insurance for visiting Philippines. The group travel plans are cheaper when compared to individual travel medical insurance. There is usually a discount of about 10% or more in group travel policies when compared to individual visitor health insurance for the same destination. Get Quote »
Review and compare the best Annual insurance.
US Citizens who have traveled overseas are now no longer required to get tested for COVID19 before traveling back to the US. This was earlier mandatory by the US government, and this requirement is currently under abeyance based on the trajectory of the pandemic.
Despite the removal of the Covid-19 restrictions both in the US and around the globe, it is prudent for US citizens to purchase international travel insurance which will make the whole trip worry free and provide good protection for any medical or travel related expenses in case of unexpected situations.
US travelers can either buy US Covid quarantine coverage trip insurance (includes coverage for cost of the trip), or Covid quarantine travel health insurance (insures only the health of the traveler and is cheaper than trip insurance).
US Travelers to Philippines who need coverage for expenses arising from international security evacuation, medical evacuation and repatriation can buy Medical evacuation insurance commonly called “Medevac insurance”.
The Atlas Medevac insurance from WorldTrips covers Emergency medical evacuation for US citizens.
These plans are ideal for regular travelers who make many overseas trips annually. The Annual multi-trip insurance for travelling to Philippines plans provide coverage for a whole year, while having a maximum limit for the length of each international trip. Business travelers find the annual trip plans very useful and price effective, as opposed to buying insurance for each of their overseas trips. One of the requirement is that the traveler must have primary health insurance in the home country
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The island of Cebu, in the central Visayas region, is considered the port to some of the best diving and snorkeling in the Philippines.
Coron Island is a tropical paradise, with electric blue and green water and popular for diving because of the numerous wrecks here.
Pagsanjan Falls also known as Cavinti Falls is one of the most famous waterfalls in the Philippines.
The UNESCO World Heritage site is a protected area that features more than 1,200 small mountains that emerged above the ground over several centuries.
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International travel insurance resources for Philippines visa holders.
Important factors while deciding on the best travel insurance to Philippines.
Different types of Philippines visa travel insurance options.
Philippines travel insurance claims process for medical care.
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