Learn how travel insurance can protect your adventures in the Philippines.
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From iconic landscapes like the Chocolate Hills of Bohol to lively late-night parties in Manila, travelers can experience so much in the Philippines. Foodies will love all the delicious Filipino street food, culture seekers will enjoy a visit to the Banaue Rice Terraces, and wildlife lovers may get lucky enough to spot one of the fascinating leopard cats.
There are so many great things to do in the Philippines, but there’s also some things to be aware of. Check out our tips on what to look out for when traveling to the Philippines. You may also want to consider getting a quote for travel insurance to protect you if the unexpected happens during your travels.
A trip to the Philippines can bring all sorts of unexpected surprises - like the waterfall you stumble upon on your hike to the tranquil sulfur springs in Dauin.
Some surprises that come along when traveling from your country of residence are not as great though. Nobody wants to think about things like canceled trips, delayed baggage and medical emergencies, but these things can happen unexpectedly. If you fall and get hurt while hiking Mount Talinis there, you may then wish you had travel insurance for the Philippines.
Depending on where you’re from, you’ll have at least two plans to choose from. When you get a quote you can compare the options to determine the best international travel insurance for your needs.
Your adventures in the Philippines may take you from the tops of the mountains or to the bottom of the ocean. It may even take you underground to the Puerto Princesa Underground River. World Nomads covers at least 150 activities for travelers visiting the Philippines - including hiking, scuba diving, sailing through remote islands or ziplining in Boracay.
Think about the types of activities you’ll be doing while you’re there. Not all activities are covered under every plan so it’s helpful to have an idea of what adventures you’ll be going on to get the most accurate quote. An advanced plan will help you choose the best insurance for your trip—and make sure even your most daring adventure is covered.
Here are several activities under each category that World Nomads love to do:
Not all activities, sports, and experiences are covered under every plan. You may have to upgrade the policy and sporting level to receive the cover you require for the activities you plan to do. Please read your policy wording carefully before you buy.
Scuba diving is a favorite pastime in the Philippines and while accidents are rare, sometimes unexpected things happen. If you get decompression sickness while diving the reefs in the province of Negros Oriental, emergency medical coverage could reimburse you for your medical expenses. It could also come in handy if you get food poisoning or get injured in a car accident while in the Philippines.
If you have a medical emergency after you’ve left your home country, you must call the 24/7 Emergency Assistance Team before seeking medical attention. They can help refer you to a place that offers the level of care that you need. You’ll need to call and report your emergency as soon as it happens, or as soon as you’re able. If you are unable to call, have someone call on your behalf. Also remember to save all paperwork and receipts.
If your attending physician and the 24/7 Emergency Assistance Team thinks it’s best for you to travel back home for treatment, the repatriation coverage that is included in your travel insurance for the Philippines may cover the costs to get you there.
Sometimes you have the perfect getaway planned, but things happen that can cancel, interrupt, or delay your trip.
The Philippine islands are located in the Pacific Ring of Fire, and there’s always a possibility that natural disasters can affect your travels. There are several active volcanoes in the Philippines, with several of them located on Luzon Island. If your flight is canceled because of a volcanic ash cloud and you must cancel your trip as a result, your travel insurance for the Philippines could help you be reimbursed for unused non-refundable tours and hotel accommodations that you paid for in advance.
Travel insurance could also help if you’re already on your trip and something happens. For example, you may need to go home early if an immediate family member back home has an unexpected medical emergency or dies. Make sure to keep all documentation and receipts for things you paid for in advance-you’ll need those if you make a claim.
With the Philippines consisting of more than 7,000 islands, you’ll be basking in the sun on some of the world’s best beaches. That means you’ll likely have packed several new swimsuits. What happens, though, if your bag doesn’t arrive when you do?
If you’re lucky, your bag just took a detour but even a delayed bag can be stressful. The baggage coverage included in your travel insurance for the Philippines may reimburse you for the cost to replace your swimsuits and other belongings, up to plan limits and factoring in depreciation. Make sure to keep all documentation and receipts to file a lost luggage claim.
For the most part, Filipinos are friendly, welcoming people. There are some places travelers should avoid when travelling to the Philippines, but even in more touristy areas, pickpocketing can happen. You’ll want to be especially cautious when you’re in crowded areas or when using public transportation. Avoid putting anything valuable in your back pockets and never take your hands off your bags. And as tempting as it can be to wear your bling out on the town, you’re better off leaving that in the safe in your hotel room. Flashy jewelry can get attention from the wrong people.
Your travel insurance for the Philippines may assist with reimbursement for stolen items (up to your policy limits). If you’re robbed, just make sure you file a police report and save a copy - you’ll need that if you have to make a claim.
Before you leave for your trip, we encourage you to check out any advisories that may exist at that time, from adverse weather to unstable political situations.
If you purchase travel insurance for the Philippines, it’s also a good idea to save the 24/7 Emergency Assistance phone number and your policy number in your cell phone so you don’t have to search for that if an emergency happens.
Before you take off, do some pre-trip reading such as learning how to navigate the country with local transportation. And if you’re looking to experience the island nation beyond resorts, explore stays in Filipino villages like Barangay Lajala on Uson Island.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.
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Never travel without travel insurance. This was the first time I ever purchased travel insurance and I am so glad I did. A few days into my trip to Spain I twisted my foot heading down to the metro. Thanks to World Nomads I was able to get medical attention in Spain, and since, as luck would have it, I had a fracture that required surgery, they got me a flight home the next day. Filing a claim was surprisingly easy and when the claim was finally processed, I was reimbursed for all of my expenses including things like the extra week in the hotel I didn't get to take advantage of.
Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
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