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
3
minute read
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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.

CORONAVIRUS UPDATE

Following the UK’s most recent national restrictions, you can only travel internationally or within the UK if you're legally permitted to do so while the UK is under full lockdown restrictions.

Non-essential travel is not currently permitted within the UK before 12 April 2021 at the earliest and international travel is not currently permitted before 17 May 2021 at the earliest. Any insurance for travel before these dates is likely to be invalid. This means that, unfortunately, we’re unable to provide any new single trip price comparisons for UK policies with a start date prior to 12 April 2021 and any single trip comparisons for international policies with a start date prior to 17 May 2021
 
You’re still able to purchase annual multi-trip policies, however, if you choose to travel against FCDO advice and current restrictions, you won’t be covered for your trip.

The Foreign, Commonwealth & Development Office (FCDO), currently advises British nationals against all but essential international travel. See latest FCDO advice for further information.

Any insurance policy purchased to cover a trip to a destination where the local authority, or the FCDO, has instructed citizens not to travel, will not be valid.

For more information, please see our coronavirus and travel insurance page.

Until then, stay safe.

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.

On its Money Advice Service website, The Money and Pensions Service (MaPs) has launched a directory of insurance providers who 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.

How much is travel insurance in the Philippines?

If you’re travelling to the Philippines, worldwide travel insurance could cost from £12.84** for a week or £26.40*** for annual travel, based on Compare the Market data in November 2020.

**Based on a worldwide travel insurance policy for a 20 year old with no pre-existing medical conditions travelling for 1 week. Prices correct as at November 2020.
***Based on an annual multi trip travel insurance policy for a 20 year old with no pre-existing medical conditions travelling Worldwide. Prices correct as at November 2020.

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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