For your holidays in Philippines and abroad

Travel Insurance for the Philippines

Welcome to the enchanting archipelago of the Philippines, a tropical paradise renowned for its pristine beaches, vibrant coral reefs, and warm hospitality. From the bustling streets of Manila to the stunning landscapes of Palawan, this diverse nation captivates travelers with its rich history, delicious cuisine, and breathtaking scenery.

As you embark on your journey to the Philippines, it's essential to make sure that your travel adventure is safeguarded. In this guide, we'll delve into the importance of securing travel insurance for the Philippines, so you can immerse yourself in the activities of this Southeast Asian gem with confidence.

  1. What should your Travel insurance cover for a trip to Philippines? 
  2. How Does Travel Insurance for Philippines Work?
  3. Do I need Travel Insurance for Philippines? 
  4. How Much Does Travel Insurance Cost for Philippines?
  5. Our Suggested AXA Travel Protection Plan
  6. What types of medical coverage does AXA Travel Protection plans offer?
  7. Are There Any COVID-19 Restrictions for Travelers to Philippines?
  8. Traveling with pre-existing Medical Conditions? 
  9. FAQ

What should your travel insurance cover for a trip to the Philippines?

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage.
AXA Travel Protection plans are designed with these minimum recommended coverages in mind.

  • Medical Coverage – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.  
  • Trip Cancellation & Interruptions – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events. 
  • Emergency Evacuations and Repatriation – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation. 
  • Coverage for Personal Belongings – AXA offers coverage for your belongings with assistance against lost or delayed baggage. 
  • Optional Cancel for Any Reason – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 


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How Does Travel Insurance for the Philippines Work?

Imagine you're exploring the beautiful islands of the Philippines, and suddenly a natural disaster, such as an earthquake, strikes the region. In this unfortunate situation, the "Emergency Evacuation & Repatriation" benefit from AXA Travel Protection becomes crucial. The policy may offer provisions for evacuating you to the nearest appropriate medical facility or repatriating you to your home country in the face of a serious crisis, ensuring your safety and well-being during unexpected events like natural disasters.

Here are more ways travelers can benefit from an AXA Travel Protection Plan:

Medical Benefits: 

  • Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
  • Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
  • Non-Emergency Evacuation & Repatriation: In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 


Baggage Benefits: 

  • Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
  • Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 


Pre-Departure Travel Benefits: 

  • Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
  • COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
  • Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 


Post-Departure Travel Benefits

  • Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
  • Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.


Additional Optional Travel Benefits 

  • Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
  • Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
  • Loss Skier Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
  • Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.


Do I Need Travel Insurance for the Philippines?

While not obligatory, having travel insurance becomes crucial when exploring the Philippines. Situated in the Pacific Ring of Fire, an area prone to earthquakes, typhoons, and volcanic eruptions, the country presents potential risks that make obtaining suitable insurance coverages a necessity. It's vital to be prepared for unforeseen circumstances and make sure you have the proper protection in place during your visit.

Here are more reasons why having travel insurance is recommended for trips to the Philippines:

  1. Medical Emergencies: Given the geographical location of the Philippines, having coverage for emergency medical expenses is important. In the event of unforeseen accidents or illnesses during your trip, this benefit offers coverage for hospital stays and doctor's fees, offering the confidence you need to explore the archipelago.

  2. Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue on.

  3. Trip Cancellation: With the unpredictability of weather conditions and unforeseen circumstances in the Philippines, having coverage for trip cancellation is important for all travelers. Whether it's due to sudden illness, injury, or unexpected events, this benefit offers reimbursement for canceled trips.

How Much Does Travel Insurance Cost for the Philippines?

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:

Total Trip cost: The total amount of non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.

Age: Like any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.

With AXA Travel Protection, travelers to the United Kingdom will be offered three tiers of insurance: Silver, Gold and Platinum. Each offer varying levels of coverage to cater to individual's preferences and travel needs.


Our Suggested AXA Travel Protection Plan

AXA presents travelers with three travel plans – the Silver, Gold and Platinum Plan, each offering different levels of coverage to suit individual needs. Given that Philippine hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.

The Platinum Plan is your go-to choice if you're looking for extra coverage for the Philippine experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring the Philippines's stunning landscapes in a rental car.

What types of medical coverage does AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

Emergency medical: Covers unforeseen situations like fractures, burns, sudden illnesses, and allergic reactions.

Emergency evacuation and repatriation: Covers your immediate transportation home in the event of an accidental injury or illness.

Non-medical emergency evacuation and repatriation: Offers assistance for evacuating a destination promptly due to events unrelated to health issues. These events may include occurrences like natural disasters or civil unrest.

Are There Any COVID-19 Restrictions for Travelers to the Philippines?

The Philippine government has lifted the requirement for international travelers to show a vaccination certificate in order to enter the country. This means that anyone can now travel to the Philippines, regardless of whether they are vaccinated against COVID-19.

Traveling with preexisting Medical Conditions? 


Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip.

Our Gold and Platinum Plan. offer coverage for preexisting medical conditions.
The Platinum plan, in particular, is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold and Platinum plan with a pre-existing medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60 day look back period. We're here to make sure you travel with ease, no matter your health situation.


1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.

2.When should I buy Travel Insurance to the Philippines?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.)

AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip.

Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.

3.Do Americans need travel insurance in the Philippines?

While travel insurance is not mandatory for U.S. citizens traveling to the Philippines, it is strongly recommended. Travel insurance may offer sufficient coverage in the event of unforeseen travel or health emergencies.

4.What is needed to visit the Philippines from the USA?

US citizens entering the Philippines must have a passport valid for at least 6 months beyond their departure. Additionally, they must complete the eTravel Portal within 72 hours before or upon arrival and show a return ticket to the port of origin or the next destination.

5.What happens if a tourist gets sick in the Philippines?

If you become sick in the Philippines, travelers with AXA Travel protection can contact the AXA Assistance hotline 855-327-1442. Contact information is typically provided within the insurance documentation. Please read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions. AXA Assistance USA, Inc.© 2023 All Rights Reserved. 



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