Compare the Best Travel Insurance in the Philippines via Moneymax!

Get superior travel insurance for you and your family's trip at a very competitive price

Up to ₱5 million coverage in Medical, Hospitalization and Travel Inconveniences

Premium starts at ₱330

Benefits:

✅ Choose up to ₱5 million coverage in Medical and Emergency expenses abroad

✅ 24/7 worldwide protection and assistance services anytime, anywhere

✅ Enjoy cashless medical assistance, similar to HMO's

✅ Unlimited Emergency and Medical Evacuation, Repatriation, Escort to minors, international referral services and bail bond

✅ Medical treatment and expenses due to Covid-19 for domestic and international trips

Best coverages to choose from for you and your family's international travel

Up to ₱2.5 million coverage in Medical and Emergency Expenses Benefit

Premium starts at ₱361

Benefits:

✅ 24-Hour Worldwide Assistance – Call Collect (+632) 8459-4734 PGA Assistance Center anytime, anywhere in the world

✅ Allows cashless settlements of claims up to the policy limit

✅ ₱2.5 million Medical Necessary Expenses Benefit includes illnesses or accidents involving COVID-19

✅ Has Emergency Medical Evacuation and Repatriation Benefits that transport the injured, ill, or deceased traveler back home

Starting base premium for up to 4 days stay
Destination	Individual Plans			Family Plans
Destination
South Korea	$5.78 (₱325.06)	₱374	₱463.23	$15.06 (₱846.95)	₱874	₱943.25
China	$5.78 (₱325.06)	₱374	₱463.23	$15.06 (₱846.95)	₱874	₱943.25
Japan	$5.78 (₱325.06)	₱475	₱468.59	$15.06 (₱846.95)	₱1,119	₱938.49
Australia	$7.72 (₱434.16)	₱475	₱468.59	$39.63 (₱2,228.73)	₱1,119	₱938.49
Dubai	$7.72 (₱434.16)	₱475	₱468.59	$39.63 (₱2,228.73)	₱1,119	₱938.49
USA	$7.72 (₱434.16)	₱475	₱468.59	$39.63 (₱2,228.73)	₱1,119	₱938.49

Oona premium provided is in USD$ and converted to ₱
$1 = ₱56.24

Why do you need travel insurance?

You might’ve traveled internationally multiple times and never encountered any setbacks. Lucky you! But with the prevalence of unexpected circumstances like delayed or canceled flights, natural disasters, and diseases such as COVID-19, you might need to give Lady Luck a break and get travel insurance instead.

Travel insurance is a type of insurance that protects you from unforeseen inconveniences and mishaps during a trip. It covers events such as lost passports, lost or delayed baggage, trip cancellations, accidents, medical expenses abroad, and death. If you want a worry-free travel experience, getting travel insurance is your best bet, especially if you’ll avail of a travel insurance policy that has several benefits.

With that said, there are several coverage options available for travel insurance. Below are the most common:

Personal Accident Benefits

Most travel insurance policies cover death and burial expenses if the insured dies or suffers permanent disability during the trip.

Travel Inconvenience Benefits

Your flight got canceled? A travel insurance policy can reimburse you for expenses brought about by various travel inconveniences.

Medical & Hospitalization Benefits

When you get hospitalized while on your trip, travel insurance can get you the proper medical care wherever you are in the world.

Personal Liability Benefits

A travel insurance policy should also reimburse you for the loss of personal items like baggage, documents, and other belongings during the trip.

Some travel insurance companies also provide coverage on the following:

✅ Trip interruption
✅ Non-medical emergency evacuation
✅ Gear and electronics
✅ Adventure and sports
✅ Repatriation of mortal remains

You can buy a travel insurance policy anytime from 24 hours or weeks before your scheduled trip though it’s better to purchase it earlier to give you enough time to review the policy and the coverages that come with it. Some companies have a short turnaround time, so get travel insurance as soon as you finalize your travel plans.

Call your insurance provider as soon as the incident happens

Prepare and gather as much proof as you can

Fill out the necessary claim forms provided by our insurer

Prepare the necessary documents required to make a claim

Send all the documents and proof to your insurance provider

Accomplished form from your insurance provider
Copy of your airline ticket
Copy of your passport

Copy of police report
Copy of medical report or certificate from attending doctor
Copy of death certificate from PSA
Photo proof of full body or disabled body part

Copy of medical report or certificate from attending doctor
Copy of medical invoices and receipts
Copy of laboratory procedure and results
Copy of doctor’s prescription, if applicable
Copy of police or incident report
Copy of hospital statement of accounts

Copy of advance payment proof
In case of a medical emergency, a copy of the medical report
In case of death, a copy of death certificate from PSA
Any document proving trip cancellation

Copy of certification from the airline/carrier stating scheduled departure time, actual departure time and the reasons for the delay of the flight

Copy of baggage irregularity report
Copy of acknowledgment receipt with time and date when the baggage was retrieved
Copy of police report of loss or damage and the list of items lost

Most insurance providers have coverage for hospitalization and medical expenses related to COVID-19 if the insured gets infected during the trip. However, trip postponement or curtailment due to COVID-19 protocols are usually not included in travel insurance coverages.

Not every scenario is covered by your travel insurance. These situations or instances are not covered by most travel insurance in the Philippines:

Pre-existing conditions
Pregnancy-related reasons
Sexually-transmitted diseases
Extreme sports and other dangerous activities
Unattended baggage
Mental health disorders
War-related damages

The price of your travel insurance premium will depend on the number of travelers, the age of all insured, and the destination. Insurance providers could add more factors that will affect the price of your premium.

It depends on your insurance provider but usually, you can pay through the following payment methods:

Credit or debit card
Auto-debit arrangements
Online banking websites and apps
Over-the-counter at banks and payment centers
Post-dated checks

Yes, you’ll need to get insurance for each of your family members. Try the group or family plans that some travel insurance companies offer for a more convenient transaction and to avail of possible group discount rates.

The main difference between group and family plans is that for family plans, you can include children below 18 in your travel insurance. Group insurance is usually for adult travelers looking to insure everyone in one convenient payment.

Yes! Travel insurance is useful for travelers who have no life or health insurance coverage, especially those with dependents.

Even if the odds of illness or death while traveling are low, you’d want to have the kind of protection you don’t currently have, for when you need funds to cover your medical expenses until you return home.

Yes! You need to have insurance each time you’re traveling abroad. Even if you already have a life or health insurance policy, your medical expenses might not be covered if you get hospitalized overseas. Only a few life insurance policies in the Philippines include coverage for hospitalization and medical treatments abroad.

Medical costs in foreign countries can be expensive, too. You might not have enough cash for out-of-pocket medical expenses. This is where travel insurance comes in handy, as you won’t have to be burdened as much when paying for medical bills while you’re on an overseas trip.

Try the multi-trip or annual trip plans from travel insurance companies so you’ll get more bang for your buck.

Filipinos traveling to Europe are required to buy a travel insurance policy before applying for a Schengen visa. Also, the insurance policy should come from an accredited Schengen-compliant insurance company in the Philippines.

Travel insurance for Schengen visa application should cover the entire period of stay in all member-states of the Schengen Area, regardless of the purpose of visit (e.g., tourism, business, education, etc.), with a coverage of at least €30,000 for medical emergencies, hospitalization, and repatriation in case of death.

You should still consider getting a separate travel insurance policy because most travel insurance that comes with your credit card doesn’t cover certain illnesses and emergency assistance coverage that a standard travel insurance policy usually has.

Not all destinations are covered by travel insurance providers. War-torn countries and identified countries sanctioned by the United Nations are also not covered.

Some insurance providers don’t cover destinations that the government has already advised the public not to travel to. This includes countries with travel bans due to high COVID-19 cases.

Leap into your next adventure

without thinking twice!

Best Travel Insurance in the Philippines

OONA Travel Insurance

Get superior travel insurance for you and your family's trip at a very competitive price

PGAI Travel Shield Insurance

Best coverages to choose from for you and your family's international travel

PGA SOMPO TravelJOY Plus

A happy traveller’s top priority is his safety

Starting base premium for up to 4 days stay

Get travel insurance to fully enjoy your international trips, especially to Visa-required countries such as:

Why do you need travel insurance?

Personal Accident Benefits

Travel Inconvenience Benefits

Medical & Hospitalization Benefits

Personal Liability Benefits

Perks of getting travel insurance

Purchase different coverages suited to your trip

Experience hassle-free travel insurance to Schengen countries

Enjoy easy premium payment methods

Travel Insurance Claims

Call your insurance provider as soon as the incident happens

Prepare and gather as much proof as you can

Fill out the necessary claim forms provided by our insurer

Prepare the necessary documents required to make a claim

Send all the documents and proof to your insurance provider

Travel Insurance FAQs

Learn More About Travel Insurance in the Philippines

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