Travel insurance for the Philippines from £6.05^
Key takeaways
The average cost of travel insurance for the Philippines is £52.04
^ Travel insurance protects you from medical emergencies, trip cancellations, and more
If you plan on adventurous activities, consider add-on coverage for specific sports or hobbies
Do I need travel insurance for the Philippines?
Holiday insurance is not a legal requirement. But without it you will be personally responsible for paying all the costs if something goes wrong with your trip.
Travel insurance can financially protect you if your holiday to the Philippines is unexpectedly cancelled, you need medical treatment while travelling, or your valuables are lost, damaged or stolen.
According to the latest data from the Association of British Insurers:
British residents had to make 574,000
^ claims on their travel insurance in 2023The average claim amount was £972
^ and the average medical claim £1,750^ In contrast, you can find travel insurance to the Philippines from just £6.05
^
What type of travel insurance do I need for the Philippines?
The Philippines is covered under worldwide travel insurance policies. The specific type of policy you need depends on your travel plans:
One trip to the Philippines only
If you are only visiting the Philippines, choose single-trip travel insurance and select the Philippines as your destination.
One trip to the Philippines and other countries
Combining a holiday in the Philippines with visits to other countries, perhaps a backpacking trip around Asia?
Single-trip travel insurance can cover multiple countries as long as:
You don't head home in-between countries. For that you need multi-trip insurance
You are not away for a long time (policy dependent, but usually a month). For that you need backpackers’ insurance
You will need to choose worldwide cover for the Philippines.
Several holidays throughout the year
You might save money by selecting an annual multi-trip travel insurance policy.
This will also cover you for staycations in the UK.
Travelling with a medical condition
You can get travel insurance with a pre-existing medical condition, but it may be more expensive than a standard policy.
How much is travel insurance for the Philippines?
The table shows the average prices paid by our customers for holidays to the Philippines this year. Average price means 51% of customers paid this amount or less. Cheapest price means 10% of customers paid this price or less.
Cheapest price | Average price |
|---|---|
£6.05 | £52.04 |
Can I get last minute travel insurance for the Philippines?
Yes, it is possible to get last-minute travel insurance up to the day of your departure, although not all insurance providers will offer this.
Is it cheaper to buy travel insurance closer to my departure date?
No, it is usually more expensive to buy travel insurance last-minute.
If possible you should buy your holiday insurance as soon as you book your trip. That way you'll be covered if you have to cancel your holiday to the Philippines.
What should my travel insurance policy for the Philippines include?
🚩Different travel insurance policies have different inclusions and exclusions. You should always read your documents and check what you're covered for.
Standard travel insurance will usually cover:
Illness and accidents
Trip and activity cancellations
Lost luggage (including your passport)
Theft including pickpocketing
Repatriation (bringing you home if you are seriously injured, ill or dead)
Personal liability (you are responsible for accidentally harming someone or their property)
What isn't covered by travel insurance for the Philippines?
Typical exclusions include:
Undeclared pre-existing medical conditions
'Unforeseeable' disasters including terrorism, war, strikes and natural disasters
Alcohol and drug-related incidents
Travel to areas advised against by the government (found on the FCDO website)
Adventure or winter sports
💡 Top tip: You can upgrade your insurance to include add-ons like winter sports, gadget cover and travel disruption cover.
Remember your excess!
Your excess is the amount of money you must pay towards any insurance claim you make. It is a fixed amount regardless of the claim size and it is set in advance when you take out your policy.
Increasing your excess can lower the cost of your policy, but make any claims less affordable.
Medical care in the Philippines
British citizens will be required to pay for medical care if they need it while visiting the Philippines. That’s why it’s important to have travel insurance, which can cover these costs and more. You won’t be able to use a Global Health Insurance Card (GHIC) here.
Can I get travel insurance for the Philippines if I have a pre-existing medical condition?
Yes, you can get travel insurance cover with a pre-existing medical condition, but it may be more expensive than a standard policy.
A pre-existing condition is any medical issue for which you had symptoms, medication, medical advice, treatment, or tests before you took out your insurance policy. It includes mental health conditions and disabilities.
You must disclose all pre-existing medical conditions. If you don't, your insurer can refuse to pay out for a claim.
Do I need a visa to visit the Philippines?
🚩 Visa requirements for a country can change. For the most up-to-date information, check the UK government’s foreign travel advice website.
You do not need a visa to visit the Philippines if you have a full UK passport and your trip is up to 30 days. However, you will need to fill out a form on the e-travel website in advance.
If you don’t do this, you may not be allowed to enter the country. You will also need to show proof of your return ticket to the UK (or your next destination).
Do I need vaccinations to visit the Philippines?
🚩 Vaccination recommendations may be different for individuals with specific health conditions. We recommend speaking to your doctor before travelling.
The NHS Fit for Travel website recommends that your regular vaccinations are up to date before you travel to the Philippines, including your flu and Covid-19 vaccines if you are eligible for these.
It’s also advised you have the Hepatitis A and Tetanus vaccinations. Some tourists also have the following vaccinations before arriving in the Philippines: Diphtheria, Hepatitis B, Rabies, and Typhoid.
What travel insurance do I need for snorkelling in the Philippines?
Your standard travel insurance policy will not usually cover you high-risk or adventurous water sports, which may include snorkelling.
However, every policy is different so you will need to check what is, and what isn’t, covered with yours. If you’re not covered for water sports, you will have to buy an adventurous sports add on.
What travel insurance do I need for hiking in the Philippines?
You may need to buy adventure sports cover for hiking in the Philippines. Standard travel insurance policies often will not cover more extreme activities like rock climbing, mountaineering or hiking above a certain height or in riskier locations. You can add adventure sports cover to your existing travel insurance for a fee.
How do I claim on my travel insurance?
Report the incident you want to claim for to your insurer as soon as possible
If something is stolen, report it to the local police within 24 hours and get a report
Keep records of what has happened, including photos or videos and the contact details of anyone involved
Read our guide to making a claim on your travel insurance.
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Compare travel insurance quotes | The Philippines cover from just £6.05
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