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Compare travel insurance for the Philippines

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.

Patrick Ikhena
From the Travel team
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Posted 21 JANUARY 2020

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.


On 7 September 2020, the Foreign Commonwealth and Development Office (FCDO) updated the list of countries that are exempt from its ongoing advice against all non-essential international travel.

If you choose to travel overseas to a destination where the FCDO is advising against non-essential travel at the time of your departure, then your insurance policy will be invalid, and any claim likely to be rejected.

For domestic travel, please check the local public health rules for the destination you wish to travel to within the United Kingdom.

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

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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