Travel insurance for the Philippines from £17.96[1]
Key takeaways
The average cost of travel insurance for the Philippines is £17.96[1] though the price you pay will depend on factors including the length of your trip and who is travelling
Travel insurance can cover you for medical emergencies, trip cancellations, lost belongings and more
If you plan on taking part in adventurous activities, such as snorkelling or hiking, while you’re in the Philippines, 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, if you need medical treatment while travelling, or if your valuables are lost, damaged or stolen.
According to 2025 data from the Association of British Insurers:
British residents had to make 500,000+[2] claims on their travel insurance in 2024 change this to 2024
The most common reason for claiming was to cover unexpected medical expenses, with an average insurance payout of £1,528[2]
By contrast, you can find travel insurance to the Philippines from just £3.68[3]a day
The Philippines hosts major festivals throughout the year, including the Sinulog Festival in Cebu (January), the Ati-Atihan Festival in Kalibo (January) and the MassKara Festival in Bacolod (October).
Travelling during these events can mean busy transport and limited accommodation, so travel insurance can help cover delays, cancellations or lost belongings.
Philippines travel advice
Still current at: 15 Sept 2026
FCDO advises against all travel to parts of Philippines
FCDO advises against all travel to western and central Mindanao and the Sulu archipelago due to terrorist activity, and against all but essential travel to the rest of Mindanao, except for Camiguin, Dinagat, and Siargao Islands. It's important to register your travel plans with your airline and check for updates regarding potential disruptions from events in the Middle East. All travellers must obtain a QR code via the e-travel system within 72 hours of arrival, and your passport must be valid for at least 6 months beyond your arrival date.
FCDO advises against all travel to western and central Mindanao and the Sulu archipelago due to terrorist activity, and against all but essential travel to the rest of Mindanao, except for Camiguin, Dinagat, and Siargao Islands. It's important to register your travel plans with your airline and check for updates regarding potential disruptions from events in the Middle East. All travellers must obtain a QR code via the e-travel system within 72 hours of arrival, and your passport must be valid for at least 6 months beyond your arrival date.
This is an AI-generated summary of UK government travel advice. Check the FCDO website for complete information.
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 be able to save money by selecting an annual multi-trip travel insurance policy.
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 average cost of travel insurance for a single trip to the Philippines is £31.06[4] . However, the price you pay will vary depending on factors like your party size and how long you are visiting for.
The figures in this table are the averages of the costs paid by MoneySuperMarket customers over the last three months.
Can I get last minute travel insurance for the Philippines?
Yes, it is possible to get last-minute travel insurance, although not all insurance providers will offer this.
You can buy last minute travel insurance through MoneySuperMarket.
Is it cheaper to buy travel insurance closer to my departure date?
No, it is usually more expensive to buy travel insurance last-minute.
It’s generally best to 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?
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)
Personal liability (you are responsible for accidentally harming someone or damaging their property)
🚩Different travel insurance policies have different inclusions and exclusions. You should always read your documents and check what you're covered for.
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.
Medical care in the Philippines
British citizens will be required to pay for medical care if they need it while visiting the Philippines as the country does not have a reciprocal healthcare agreement with the UK. 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.
The Philippines is on the FCDO's list of countries where there is a risk of methanol poisoning from drinking low-quality alcohol. ➡️ Learn how to protect yourself.
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.
You can buy medical travel insurance through MoneySuperMarket.
Do I need a visa to visit the Philippines?
You do not need a visa to visit the Philippines if you have a full UK passport and your trip is for 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. Make sure you complete the registration before you travel. You will also need to show proof of your return ticket to the UK (or your next destination).
🚩 Visa requirements for a country can change. For the most up-to-date information, check the UK government’s foreign travel advice website.
Do I need vaccinations to visit the Philippines?
The TravelHealthPro website recommends ensuring that your regular vaccinations are up to date before you travel to the Philippines.
According to the website, most travellers would be advised to have Hepatitis A, Tetanus and Typhoid, while some travellers are advised to have Chikungunya, Cholera, Dengue, Hepatitis B, Japanese encephalitis, Measles, Rabies and Tuberculosis.
There is no risk of Yellow Fever in the Philippines, though there is a certificate requirement.
🚩 Vaccination recommendations may be different for individuals with specific health conditions. We recommend speaking to your doctor before travelling.
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
➡️ Learn more: How to make a claim on your travel insurance.
Where can I get cheap travel insurance for the Philippines?
With MoneySuperMarket you can compare quotes from up to 59 different travel insurers, helping you find the best price for the level of cover you want.
Plus, we offer our travel insurance customers rewards! Get a voucher worth up to £5[10], a Free Days Out pass worth £180, and much more.
Just sign up to our free SuperSaveClub[10] before you buy your travel policy.
💡 Top tip: Looking for travel insurance for another destination? Check out our travel insurance destination guide hub.
Author
Esther Shaw
Money expert
Esther Shaw is an award-winning consumer, financial and property journalist with more than two decades of experience. As a freelance writer, she regularly contributes to a range of national titles...
Reviewer
Beth Leslie
Senior Insurance Content Editor
Beth is an experienced writer and editor who specialises in financial and economic content. She is currently the Senior Insurance Content Editor for MoneySuperMarket. Beth is passionate about making...
