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Cheap Philippines Travel Insurance

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Travel Insurance Philippines UK


The Philippines is a breathtaking grouping of over 7,000 islands that lie between five different seas. Its picturesque beaches, turquoise waters and natural wonders make it an idyllic holiday destination. 

However there are real risks when staying in the Philippines, so having Philippines travel insurance is essential. This makes sure that any unexpected events or accidents don’t derail your holiday or cause financial problems. 

The right travel insurance to Philippines can protect you from medical costs, flight or booking cancellations, lost luggage and other travel issues. It can even protect you on riskier excursions to the Philippines’ caves, rainforests or coral reefs. 

Get peace of mind for your trip with travel insurance Philippines UK coverage now

Cheap Philippines Travel Insurance

If you are on a budget, even the cheapest travel insurance Philippines coverage will be safer than travelling uninsured. With Quotezone.co.uk you can make sure you are not paying more than you need to by quickly comparing prices from 30 UK insurance companies.

How much is travel insurance for Philippines?

The cost of your Philippines travel insurance depends on some key details about you and your travel plans. And these will give you some indication of the premium you will be paying: 

  • Your destination – Your travel destination affects the coverage you need on your insurance. And if you plan to travel to other countries besides the Philippines this can affect your costs. 
  • Your age – Older travellers often see higher premiums that reflect an increased likelihood of claiming on their travel insurance.
  • Planned activities – Adventurous or risky activities like trekking, scuba diving, or jungle tours can necessitate extra coverage at an additional cost.
  • Pre-existing medical conditions – Existing health issues could raise insurance prices or require specialist coverage.
  • The duration of your stay – Longer stays heighten the likelihood of accidents, leading to potential increases in your premium.
  • Coverage type – Whether you need single trip, an annual travel policy, or backpacker insurance, each choice offers varying levels of protection at different costs.
Do I need travel insurance for the Philippines?

Philippines travel insurance isn’t compulsory, but it would be unwise to travel without it. The Foreign, Commonwealth & Development Office (FCDO) give up-to-date travel advice for the Philippines that includes getting insurance and specific risks you might face. Never travel if they advise against it as no insurance will cover you. 

Threats to be aware of when considering insurance for the Philippines include:  

  1. Terrorism – Terrorist groups in the Philippines have carried out attacks as recently as 2020 and some groups can target Westerners.
  2. Kidnapping threats – Areas of southern Philippines pose a risk of kidnapping by terrorist and criminal groups. 
  3. Crime – Street crimes like robbery have been known to involve weapons and firearms in the Philippines, particularly in larger cities like Manila and on boats in the Sulu and Celebes seas.
  4. Political unrest – Visitors who participate in public protests or political rallies can be detained and deported.
  5. Same-sex relationships – These are legal, and the Philippines are typically progressive and supportive of LGBTQ+ travellers. However, there is still some risk of harassment or legal intervention when it comes to public affection, particularly outside urban areas.
  6. Health risks – Mosquito-borne diseases are a risk to tourists all year round, and you might not have access to emergency medical care in many tourist spots. Care is also expensive with one night in the ICU costing over £1,000.
  7. Natural disasters -The Philippines is hit with around 20 typhoons every year. And with more volcanoes than towns, it’s only natural that they also experience earthquakes and volcanic activity. 
What is the best Philippines travel insurance?

The Philippines will be covered by worldwide travel insurance, and this comes in three main policy types that can be tailored to best suit your individual needs with additional coverage or add-on options. Insurance types include:

  1. Single trip insurance – For short-term, one-off holidays to the Philippines
  2. Annual multi-trip insurance – If you take multiple holidays a year this can cover them all on one policy. 
  3. Backpacker insurance – Protects longer journeys and travel across multiple counties. 

Standard travel insurance covers safer activities like swimming or sightseeing. But if you are doing riskier activities you could need additional activity coverage

Higher-risk activities in the Philippines that need activity coverage can include:

  • Water sports like scuba diving, sailing or jet skiing
  • Trekking or canyoning at high altitudes like Mount Pinatubo or Mount Apo 
  • Caving and spelunking including the Philippines’ underground rivers
  • Motorcycle or scooter touring
  • Bungee jumping, paragliding, and skydiving
  • Rainforest and wildlife tours
  • Travelling on a habal-habal
  • Visiting the restricted areas around Taal Volcano Island
What does the Philippines travel insurance cover?

Travel insurance to Philippines gives you protection and support for multiple issues that travellers usually face, including:

  1. Medical care coverage – Includes expenses for emergency and private medical care. 
  2. Repatriation – Evacuation to the UK for specialised medical needs in areas with limited facilities.
  3. Personal injury aid – Offers financial help for lasting injuries like blindness or limb loss.
  4. Trip cancellation and curtailment – Safeguards holiday expenses if flights or bookings are cancelled or cut short for reasons outlined in your policy.
  5. Liability support – Assists with damage compensation you are liable for paying to others.
  6. Legal cost assistance – Aids with legal fees.
  7. Personal belongings protection – Covers lost or stolen belongings up to your policy limits.
What documents do I need to travel to the Philippines?

If you are a UK passport holder you won’t need a visa for the Philippines as long as your trip is under 30 days. However, there are some extra entry requirements and steps you will need to take to travel here, like:

  • Have your departure tickets handy as airlines often ask for them. 
  • Register through the ‘e-travel’ system 72 hours before your arrival.
  • Make sure your passport’s expiry date is at least 6 months from your arrival date.
  • Don’t overstay your 30 days without an extension as it could lead to fines or deportation.
  • Check with your GP for necessary vaccinations at least 8 weeks before you travel. 
  • Travel insurance it’s crucial because some places may not have easy access to emergency medical care.
  • Keep a copy of your passport’s photo page in case the police request identification.

Your Filipino adventure starts with finding the right Philippines travel insurance. And we are here to make it easy for you. Quickly compare quotes from 30 trusted UK travel insurers to find the coverage and price you need for a worry-free holiday in the Philippines.

Get your personalised quote now with our quick and easy quote form