Best Travel Insurance in the Philippines 2025 Comparison
Travel insurance is a must have, protecting you against unexpected costs when you’re away from home. Whether your flight is delayed, your baggage lost, or you’re unlucky enough to fall ill during your business trip or break, travel insurance is there for you. So - what is the best travel insurance in the Philippines for different trip types and budgets?
This guide to the best travel insurance in the Philippines covers all you need to know. Before you head off on your next trip, look out for easy and cheap ways to hold, send, spend and exchange a range of 40+ foreign currencies, with Wise. Get low cost spending tools like the Wise card to make it easy to pay and withdraw, no matter where your next trip takes you.
What is covered by travel insurance for international travel?
Choosing the best travel insurance in the Philippines will take a bit of research. There are several major providers offering travel insurance for international travel - and each one has a range of policies to suit different customers, trips and budgets. You’ll need to narrow down your search looking at the policies which suit the levels of cover you need before you can decide on the best travel insurance for your specific trip. This guide gives you some great resources to start with. Here are a few extra pointers to help.
What isn’t covered by travel insurance
Looking at what isn’t covered by your travel insurance policy is as important as knowing what is covered. For example, pre existing medical conditions may not be covered, or may be covered to a lower extent than unexpected medical issues. You may also find specific activities are excluded, such as extreme or competitive sports.
Travel insurance policies also typically cover specific countries and regions, or else are worldwide in nature. Make sure your policy covers the trip you’re taking - a policy may exclude certain countries so reading the details is crucial. Policies which are designed to cover Asian travel frequently exclude Japan, for example.
What to look out for when choosing travel insurance for international travel?
The best travel insurance for international travel will depend on your specific trip and your risk tolerance. Some people want the most comprehensive insurance possible, even if it comes with a higher price tag. On a budget, you may only want to make sure you have emergency support for medical problems or accidents.
Before you start to look at policies in detail you may want to think about the levels of cover that you’d be comfortable with based on the trip you’re planning. This can then help to guide you between providers and policies. This guide includes introductions to some popular providers for travel insurance in the Philippines so you know where to look.
Comparison of the best travel insurance in the Philippines
In reality, there’s no single best travel insurance in the Philippines - the best provider and policy for you depends on where you're going, the length of your trip, your budget and what your travel plans include.
To give a flavour we’ve compared the key features from some popular policies from major providers below. Each provider does also offer a range of other policy choices, so we've given a bit more detail later to help you decide if they’re worth including in your research as you find the best travel insurance for your needs.
| Provider/Policy | Pricing | Maximum duration | Medical and emergency cover | Inclusions | Extras available |
|---|---|---|---|---|---|
| Oona¹ (formerly Mapfre) - International travel² | From 299 PHP | 1 year | Up to 5 million PHP | Travel inconveniences, personal accident, personal liability | Covid-19, hazardous sports, sport equipment, cruises |
| Malayan Insurance³ - Travel Master⁴ | Individual quotes provided | Up to 180 days | Available - cover is based on individual quote | Personal accident, travel inconvenience and cancellation, travel assistance | Damage to rented cards, sports injuries and accidents |
| AXA⁵ - Elite Single Trip⁶ | Individual quotes provided | Single trip options, and annual multi-trip policies | Elite Single Trip medical evacuation up to 3.5 million PHP, personal accident to 5 million PHP | Travel inconveniences, personal accident, personal liability, 24/7 support | Not detailed - ask when you get your quote |
| Pacific Cross⁷ - Worldwide Elite⁸ | Individual quotes provided | Single and multi-trip policies, individual and family cover | Up to 50,000 USD or the equivalent | Emergency dental, recreational and extreme sports, treatment for pre-existing conditions | Not detailed - ask when you get your quote |
| BDO⁹ - Plan C | 15 day USA trip - 1,898 PHP (sample pricing) | Plan C runs to 184 days, other plans cover up to 365 days | 1.5 million PHP emergency medical cover | Covid-19, travel inconvenience, 24/7 support | Not detailed - Plan C is a comprehensive plan |
| PGA Sompo¹⁰ - TravelJoy Plus | Individual quotes provided | 1 year | Available - cover is based on individual quote | Personal accident, travel inconvenience and cancellation, Covid-19, loss of documents or money | Not detailed - ask when you get your quote |
*Details correct at time of research - 7th March 2025
Oona (formerly Mapfre) travel insurance
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Oona is a digital general insurance platform backed by global private equity firm Warburg Pincus. It operates in the Philippines and several other countries in the South East Asia region. The services offered by Oona cover travel insurance as well as vehicle insurance, illness cover and more. For travel insurance options you can select between international policies and domestic policies, as well as stand alone flight delay insurance which is much more limited. International policies can run to as long as 365 days cover, and start from 299 PHP for a short policy.
Malayan Insurance travel insurance
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Malayan Insurance has been in operation for over 95 years, and offers insurance across areas like personal and family, assets and property, as well as lifestyle insurance which includes travel cover. Specific travel insurance options include the Travel Master and Travel Lite policies. The Travel Master policy covers relatively high reimbursement levels for personal accident, travel inconvenience and cancellation, while the Travel Lite policy looks at broadly the same areas, but with a slightly lower level of cover at a lower price point. This allows you to pick the cover level which suits your individual needs and risk tolerance.
AXA travel insurance
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AXA is a huge global insurer which offers a good range of policy options for travel insurance in the Philippines. You can select from 3 different international policy tiers depending on the type of trip you’re making and the levels of cover you require, or choose domestic cover for local trips instead. Top level international insurance includes very high cover levels, including up to 5 million PHP personal accident benefits and 3.5 million PHP in medical evacuation support. This can give peace of mind if you’re taking a trip overseas and want to know you could get home safely, even in the event of a medical emergency.
Pacific Cross travel insurance
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Pacific Cross has a flexible range of travel insurance options through its Schengen approved Worldwide Elite Travel Plans, as well as other options for domestic, regional and incoming travel policies. These policies can be set to cover yourself and your family, or a bigger travel group, and some policies offer multi-trip cover as needed. Because the policies are pretty customisable, you can generate a unique quote for your trip, online to see what you will need to pay - generally payment is shown in USD or EUR.
BDO travel insurance
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Select from BDO Plans A, B C or D which span budget friendly packages for Asian trips, right through to comprehensive policies which offer worldwide support, including in the US. Pricing and cover levels vary a lot based on the specifics of your trip, which lets you design the package that covers your unique requirements more easily. All international plans include emergency medical treatment and Covid-19 coverage for peace of mind wherever your trip is taking you.
PGA Sompo travel insurance
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PGA Sompo travel insurance is offered under the TravelJOY brand, and includes options for regional or worldwide travel. You’ll need to get a personal quote for the cover available and the costs, based on the trip you’re taking. Policies generally include cover for things like personal accident, travel inconvenience and cancellation, as well as Covid-19 medical expenses and loss of documents or money.
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Sources:
- Oona (formerly Mapfre)
- Oona travel insurance
- Malayan Insurance
- Malayan Travel Master
- AXA
- AXA travel insurance
- Pacific Cross
- Pacific Cross worldwide elite insurance
- BDO
- PGA Sompo
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