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Get travel insurance for as low as ₱299!

Leap into your next adventure without thinking twice! Compare the best travel insurance in the Philippines via Moneymax with coverages up to ₱5 million.

Best Travel Insurance in the Philippines

OONA-Small

OONA Travel Completo

Get travel insurance before your next trip with OONA Travel Completo! Compare, customize, and get your policy in just 5 minutes—all without leaving your couch.
✅ Enjoy cashless medical assistance like HMOs
✅ Provides car rental excess protection 
✅ Most affordable starting premium

Medical Expenses

up to ₱5 million

Trip Cancellation

Up to $3,000 (excess of $10)

Baggage Loss or Damage

Up to $200

COVID-19 Coverage

Up to 100% of coverage limit
Premium starts at ₱299
PGAI logo as of March 2020 copy 2

PGAI Travel Shield Insurance

As a trusted non-life insurance company with decades of experience, Prudential Guarantee has fostered trust with its comprehensive travel insurance products.
✅ Covers hospital confinement up to 20 days
✅ Covers loss of money and travel documents
✅ Seamless claims processing

Medical Expenses

up to ₱2.5 million

Trip Cancellation

Up to ₱200,000

Baggage Loss or Damage

Up to ₱10,000

COVID-19 Coverage

Up to 100% of coverage limit
Premium starts at ₱361
PGA SOMPO (Primary Logo).png~72~1637323138-1

PGA SOMPO TravelJOY Plus

TravelJOY Plus puts the joy in travel with its comprehensive insurance plans that provide extra travel coverages through a seamless and cashless experience. 
✅ Get insured in just three easy steps
✅ Covers loss of money and travel documents
✅ Hassle-free claims settlement

Medical Expenses

up to ₱2.5 million

Trip Cancellation

up to ₱2.5 million

Baggage Loss or Damage

Up to ₱70,000

COVID-19 Coverage

Up to 100% of coverage limit
Premium starts at ₱463

Best Travel Insurance in the Philippines


Provider

Premium Starts At

Accidental Death or Disablement

Medical Expenses (including COVID-19)

Trip Cancellation

Flight Delay

Baggage Delay

Loss or Damage of Baggage

OONA Travel Insurance
OONA Travel Insurance

₱299

up to ₱5 million up to ₱5 million Up to $3,000 (excess of $10) Up to $800 Up to $200 Up to $1,000 subject to limit of $100 per item
PGAI Travel Shield Insurance
PGAI Travel Shield Insurance

₱361

up to ₱2.5 million up to ₱2.5 million Up to ₱200,000 Up to ₱3,000 per 12 hours, maximum of 96 hours Up to ₱10,000 Up to ₱50,000 subject to ₱10,000 per item
PGA SOMPO TravelJOY Plus
PGA SOMPO TravelJOY Plus

₱463

up to ₱ 2.5 million up to ₱ 2.5 million Up to ₱70,000 Up to ₱50,000 Up to ₱5,000 Not Covered
OONA

OONA Travel Insurance

 

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

Premium starts at ₱299

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

PGAI

PGAI Travel Shield Insurance

 

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

PGA-SOMPO

PGA SOMPO TravelJOY Plus

 

Up to ₱2.5 million coverage in Medical Expenses

Premium starts at ₱463

Benefits:

✅ Insure infants and adults up to 85 years old (up to 99 y/o for Schengen Visa Countries)

Provides 24/7 hotline assistance and mobile support

✅ Enjoy cashless benefits in case of emergency treatment or hospitalization

✅ Cruise Coverage Available

Starting base premium for up to 4 days stay

Destination

Individual Plans

Family Plans

OONA-3

PGAI logo as of March 2020 copy 2

PGA SOMPO (Primary Logo).png~72~1637323138-1

OONA-3

PGAI logo as of March 2020 copy 2 PGA SOMPO (Primary Logo).png~72~1637323138-1

South Korea

₱299

₱374

₱463.23

673

₱874

₱943.25

China

₱299

₱374

₱463.23

673

₱874

₱943.25

Japan

₱299

₱475

₱468.59

673

₱1,119

₱938.49

Australia

₱299

₱475

₱468.59

673

₱1,119

₱938.49

Dubai

₱299

₱475

₱468.59

673

₱1,119

₱938.49

USA

₱299

₱475

₱468.59

673

₱1,119

₱938.49

 

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

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:

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Personal Accident Benefits

 

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

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Travel Inconvenience Benefits

 

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

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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.
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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.

Perks of getting travel insurance

A1

Purchase different coverages suited to your trip

 

There are so many options available when purchasing travel insurance that you can easily customize it to your trip needs.

Trip frequency:

  • Single trip - best for vacationers, occasional travelers, or trips that only happen once a year
  • Multi-trip - best for multiple trips in 1 year that’s good for 30 days
  • Annual trip - best for jetsetters as the coverage is for 365 days

Individuals covered:

  • Single - best for solo travelers 
  • Family - ideal for families with members below 18 years old
  • Group - best for a large group of adults. Some travel insurance companies offer discount rates for this plan.
A2

Experience hassle-free travel insurance to Schengen countries

 

Going to Europe soon and want to get travel insurance? Aside from getting a Schengen Visa, another requirement is Schengen-compliant travel insurance. That won’t be a problem for you since there are lots of Schengen-accredited Filipino travel insurance companies such as OONA, Standard, Malayan, and FPG.

A3

Enjoy easy premium payment methods

 

The convenience brought about by technology lets you pay for your travel insurance premium anywhere in the world. Most travel insurance companies in the Philippines accept payments through debit cards or credit cards. Other methods include:

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

Travel Insurance Claims

 

Filing for a travel insurance claim means you’ve encountered an issue or emergency during your trip. A lot will go on during this period and as stressful as it can be, remember the standard procedures below so you can properly file a claim:

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Call your insurance provider as soon as the incident happens

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Prepare and gather as much proof as you can

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Fill out the necessary claim forms provided by our insurer

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Prepare the necessary documents required to make a claim

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Send all the documents and proof to your insurance provider

To check the complete list of requirements for filing a claim, check with your insurance provider. But usually, these are the common requirements for each type of claim:
  • 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

Travel Insurance FAQs

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.

Learn More About Travel Insurance in the Philippines

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