Compare travel insurance for the Philippines

With 7,107 islands to choose from – plus the buzzing capital of Manila – the Philippines offers lots of opportunity for travellers. In 2018, more than 7 million visitors came to the archipelago. Here’s what you should know about getting the right travel insurance for your holiday.

With 7,107 islands to choose from – plus the buzzing capital of Manila – the Philippines offers lots of opportunity for travellers. In 2018, more than 7 million visitors came to the archipelago. Here’s what you should know about getting the right travel insurance for your holiday.

Josh Daniels
From the Travel team
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Posted 01 FEBRUARY 2021

Do I need travel insurance for Philippines?

Travel insurance is wise if you’re planning a trip to the Philippines. The Asian country may have a good standard of healthcare, but without a travel policy that covers the cost of emergency medical treatment you could face a medical bill of thousands of pounds if you’re sick while away.

When shopping around for a policy, make sure your cancellation cover is high enough to meet the cost of your trip. If you need to cancel before you head off, say if you get too sick to travel, you could claim back the money you’ve spent (as long as the reason is listed in your policy).

Having the right travel insurance also means you can claim for the cost of belongings that are lost or stolen. Your single article limit is the most you can claim back on any item before it needs to be added individually to a policy. Make sure this is high enough to cover your most expensive item that might need to be replaced.


From 17 May 2021, a travel traffic light system has been introduced and trips to green listed countries will be legally permitted if you live in England and Scotland. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant local authority, which can be found here.

If a country is on the green list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you're aware of any specific requirements relating to entry and to check travellers from the UK are permitted. Countries can have their traffic light status changed at short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) advice for the latest information.

The FCDO advises against all but essential travel to most amber and red listed countries. Should you choose to travel against the FCDO rules, you will not be covered by any travel insurance policy you purchase. Some providers do offer cover for international travel if you’re travelling for essential purposes, however most do not. In all cases, should you have any queries please check the policy wording or contact your chosen provider before purchasing to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland.

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Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pensions Service (MaPs) has launched a directory of insurance providers on its Money Advice Service website that may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

What kind of travel insurance could I need for the Philippines?

The type of cover you need for the Philippines depends on the length of your stay and the activities you’ve got planned. If you’re intending to do little more than strolling along one of the country’s many beaches, then basic travel insurance should offer the cover you need. But if you’re planning water sports, such as scuba diving, you’ll probably need to think about extra cover such as water sports travel insurance.

The Philippines occasionally suffers from natural disasters, including earthquakes and typhoons. With this in mind, you might want to look into a specialist policy that offers insurance cover for these types of infrequent events.

Always check what’s covered by a travel insurance policy before you buy it. If you need to change your plans while you’re away, contact your insurance provider to see if you can amend your policy and get extra cover.

Do I need a visa for the Philippines?

Brits can visit the Philippines for up to 30 days without a visa. If you intend to stay between 30 and 59 days, you’ll need to get a visa from the Philippine Embassy before you travel. UK passport holders need at least six months validity on their passport on entering the Philippines.

Any other travel tips for the Philippines?

Vaccinations: Visit your doctor four to eight weeks before your trip. You might be advised to get some vaccines, most of which should be free on the NHS, such as hepatitis A, tetanus and typhoid.

Climate: The Philippines has a mixed climate but much of the archipelago can be characterised by high temperatures and, at times, very high humidity.

Time differences: The country is eight hours ahead of Greenwich Mean Time (GMT).

Tipping: It isn’t typically expected, so restaurant staff aren’t likely to be offended if you choose not to leave a tip.

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