Compare the Best Travel Insurance in the Philippines!

Going for a vacation or business trip? Make sure your trip is insured before you leave your home. Check out our comparison of the top travel insurance in the Philippines based on their travel benefits. All travel insurance policies are for international destinations.

ProviderPremium Per Trip Starts AtCOVID-19 CoveragePersonal AccidentMedical CoverageTrip CancellationBaggage DelayPersonal Liability


pioneer insurace


pioneer insurance

₱299

✔️

Up to ₱1 million

Up to ₱2.5 million

Up to ₱125,000

Up to ₱5,000

Up to ₱1.5 million


pacific cross

₱365

None

Up to ₱1.5 million

Up to ₱2 million

Up to ₱60,000

Up to ₱3,000

Up to ₱1 million


malayan insurance

₱390

✔️

Up to ₱1 million

Up to ₱2.5 million

Up to ₱50,000

Up to ₱5,000

Up to ₱1 million


fpg insurance

$10.50

None

Up to $100,000

Up to $100,000

Up to $2,000

Up to $100

Up to $30,000


₱608.01

✔️

Up to ₱5 million

Up to ₱2 million

Up to ₱200,000

Up to ₱50,000

Up to ₱2 million


standard insurance

₱913

✔️

Up to ₱2.5 million

Up to ₱2.5 million

Up to ₱80,000

Up to ₱6,000

Up to ₱1.5 million

mapfre insurance

Upon request

None

Up to $100,000

Up to $100,000

Up to $3,000

Up to $200

Up to $80,000

 

What are the usual exclusions of travel insurance?

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 baggages
  • Mental health disorders
  • War-related damages

PROVIDER

ANNUAL PREMIUM STARTS AT

pioneer insurance

Upon request

pacific cross

Upon request

malayan insurance

₱7,075/year

fpg insurance

$284.50/year

axa insurance

₱7,034.18/year

standard insurance

Upon request

mapfre insurance

Upon request

What’s the difference between group and family plans?

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 are usually for adult travelers looking to insure everyone in one convenient payment. 

 

How do I make a travel insurance claim?

When filing a travel insurance claim, it’s important to know that you have to inform your insurance provider as soon as possible. And if possible, you should also document every detail of your claim. Here is the standard procedure when making a travel claim:

1. Call your insurance provider as soon as the incident happens, especially if the situation requires emergency medical assistance.
2. Prepare and gather as much proof as you can.
3. Fill up the necessary claim forms provided by your insurer.
4. Prepare the necessary documents required to make a claim.
5. Send all the documents and proof to your insurance provider.

 

What are the requirements for filing a travel insurance claim?

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:

Basic travel insurance requirements:

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

For personal accident:

  • 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

For medical expenses:

  • Copy of medical report or certificate from attending doctor
  • Copy of medical invoices and receipts
  • Copy of laboratory procedure and results
  • Copy of police or incident report
  • Copy of hospital statement of accounts

For trip cancellation:

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

For baggage delay or loss:

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

Learn More About Travel Insurance in the Philippines:

Need more help with your travel insurance needs? Or maybe you’re looking for general travel tips? Find all of that and more in our extensive Moneymax guides. 

travel insurance in the Philippines

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