Best Insurance Companies in the Philippines for Expats & Travelers
Expats and travelers in the Philippines can access leading insurers like Cigna, Allianz, AXA, NOW Health International, and IMG Global. These providers offer flexible health and travel plans with quality healthcare access and financial protection for both short- and long-term stays.
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Choosing a trusted insurer in the Philippines ensures reliable medical coverage, global support, and smooth care. International health insurance offers expats quality treatment locally and abroad. This guide reviews top providers, coverage options, and plans tailored to lifestyle and budget.
Top Expat and Travel Insurance Providers in the Philippines
Among the top 10 insurance companies available for expats and travelers in the Philippines are health and travel insurance providers like Cigna, Blue Cross Blue Shield Global, VUMI, and IMG Global. These providers offer some of the best health insurance coverage for expats in the Philippines.
Below we have listed the top 10 insurance companies in the Philippines:
- Cigna
- Allianz
- IMG Global
- NOW Health
- Pacific Cross
- William Russell
- AXA
- Blue Cross Blue Shield Global
- VUMI
- April International
These insurance providers offer travel insurance and healthcare plans for expats in the Philippines, with a wide variety of coverage limits and customization options. Use Pacific Prime’s free quote tool to begin comparing plans from these insurance companies today.
Cigna Health Insurance Plans in the Philippines
Cigna Global is one of the leading international health insurance providers on the market today, offering flexible insurance plans to expats in the Philippines and worldwide. They offer a 24/7 customer care team and a variety of other attractive benefits to their members.
Cigna Global offers its plans in Silver, Gold, and Platinum categories. These all come with differing levels of premiums, coverage, and benefits.
The plans’ different coverage limits are listed below:
- Cigna Standard Silver Plan: Up to USD $1,000,000 in coverage
- Cigna Standard Gold Plan: Up to USD $2,000,000 in coverage
- Cigna Standard Platinum Plan: Unlimited amount of total coverage
Allianz Expat Health Insurance Coverage
Allianz Care offers expat health insurance in the Philippines through individual plans and corporate policies. With Allianz Care, you will choose your Core plan, pick a deductible option, add any additional riders or plans, and then choose your area of coverage to customize your coverage further.
The different categories of core plans are Care Base, Care Signature, and Care Enhanced. These plans differ in coverage limits and benefits.
The plans’ different coverage limits are listed below:
- Care Base: Up to USD $1,350,000
- Care Signature: Up to USD $5,000,000
- Care Enhanced: Up to USD $ 2,700,000
IMG Global Travel and Health Insurance in the Philippines
IMG Global is an international insurance provider that offers health and travel insurance for expats in the Philippines. Their international health insurance plans are available in different options: the Bronze Plan, the Bronze Plus Plan, the Silver Plan, and the Gold Plan.
For travel insurance plans, they offer their Patriot International Plan with three tiers of coverage. These plan tiers are the Multi-Trip Plan, the Lite Plan, and the Platinum Plan.
The plans’ different coverage limits are as follows:
- Bronze: Up to USD $1,000,000 per individual
- Silver: Up to USD $5,000,000 per individual
- Gold: Up to USD $5,000,000 per individual
- Platinum: Up to USD $8,000,000 per individual
NOW Health Plans for Expats in the Philippines
NOW Health International is a top health insurance provider for expats in the Philippines, with options for foreigners on a smaller budget with their basic plan, SimpleCare. For more comprehensive coverage, they offer their WorldCare plans.
Their WorldCare plans come in four different categories: Essential, Advance, Excel, and Apex. Each of these plans offers varying levels of coverage, cost, and benefits.
AXA International and Local Health Plans in the Philippines
AXA is a global provider with a wide variety of insurance solutions for expats in the Philippines, such as health insurance, travel insurance, and property insurance. They offer local private health insurance plans for the Philippines or global health insurance plans that can be taken anywhere.
For their international health insurance, they offer their Global Health Access plan. This plan comes in five coverage tiers:
- Silver
- Gold Lite
- Gold Lite Plus
- Gold
- Platinum
Their Global Health Access coverage limits range across plans, with the Platinum having the highest coverage limit of around USD $3,000,000.
For local health insurance in the Philippines, they offer their Health Care Access plan with two different coverage tiers, Lite and Prime.
They also offer other health insurance plans such as Health Start Lite, Health Start, and Health Max.
Blue Cross Blue Shield Global Travel and International Health Coverage in the Philippines
Blue Cross Blue Shield Global is a worldwide insurance provider that offers international health insurance, travel insurance, and group insurance for expats in the Philippines. They are associated with BlueCross BlueShield, another prodigious insurance provider.
Blue Cross Blue Shield Global offers its Xplorer Premier plan for expats on long-term trips to the Philippines, with the option to choose worldwide coverage with US coverage or worldwide coverage with NO US coverage. Choosing the latter option will save you money on premiums.
They offer their travel insurance through their Voyager Single-Trip Plan and Trekker Choice Multi-Trip Plan. They also offer attractive benefits for US citizens who have a primary healthcare plan outside of their Blue Cross Blue Shield Global travel plan.
Pacific Cross Health Insurance Options in the Philippines
Pacific Cross provides travelers and expats in the Philippines with health insurance and travel insurance plans. As a leading insurance provider in Southeast Asia, Pacific Cross has decades of experience in the insurance business.
Their plans include a Major Medical International Plan, Standard International Plan, Comprehensive International Plan, and Premier International Plan. Their Premier International Plans come in two categories, Premier 250 or Premier 500.
We have listed their coverage limits for these plans below:
- Major Medical International: Up to USD $250,000 (with upgraded option of USD $1,000,000)
- Standard International: Up to USD $1,000,000 (with upgraded option of USD $2,000,000)
- Comprehensive International: Up to USD $2,000,000 (with upgraded option of USD $3,000,000)
- Premier International 250: Up to USD $250,000
- Premier International 500: Up to USD $500,000
They also offer insurance solutions for seniors, employees, and students.
William Russell Expat Insurance Plans in the Philippines
William Russell sells international health insurance to expats in the Philippines. With annual renewable contracts and personal account managers, William Russell members can feel well taken care of.
They offer their health insurance plans in four categories: Bronze, SilverLite, Silver, and Gold. These plans can be personalized with additional coverage benefits and your preferred geographical area of cover.
Total coverage limits for the plans are listed below:
- Bronze: Up to USD $1,500,000
- SilverLite: Up to USD $1,500,000
- Silver: Up to USD $2,500,000
- Gold: Up to USD $5,000,000
VUMI VIP Global Health Coverage in the Philippines
VUMI (VIP Universal Medical Insurance) offers individual private medical insurance and travel insurance to expats and travelers in the Philippines. Along with individual health insurance plans, they also sell group international health insurance plans for groups in the Philippines.
Their Global Flex VIP individual health insurance plans are available in five different options, which we have listed below with their corresponding coverage limits.
- Global Flex VIP Basic: Up to USD $3,000,000
- Global Flex VIP Standard: Up to USD $3,500,000
- Global Flex VIP Superior: Up to USD $4,000,000
- Global Flex VIP Ultra: Up to USD $4,500,000
- Global Flex VIP Total: Up to USD $5,000,000
Expats can choose to have their VUMI plans offer global coverage or only regional coverage.
April International Health Insurance Plans in the Philippines
April International offers both short-term and long-term health insurance in the Philippines for expats, as well as travel insurance and student insurance. With a wide direct billing network and customizable plans, they have options for every expat.
Their long-term international health insurance plans are available in several different categories, which we have listed below with their corresponding coverage limits.
- Emergency Plan: Up to USD $250,000 per year and per insured
- Formule Basic Up to USD $500,000 per year and per insured
- Essential Plan: Up to USD $1,000,000 per year and per insured
- Comfort: Up to unlimited coverage per year and per insured, according to the country of coverage
- Premium Plan: Up to unlimited coverage per year and per insured, according to the country of coverage
Frequently Asked Questions:
Is an American citizen able to get health insurance while in the Philippines?
American citizens can purchase health insurance through private international providers or local insurers. They may also be eligible to enroll in PhilHealth, the Philippines’ national health insurance program, if they are working, retiring, or staying long-term.
What is the best expat health insurance for the Philippines?
Some of the top international insurance providers for the Philippines include Cigna, AXA, NOW Health, Allianz, April International, Blue Cross Blue Shield Global, and others, but the best expat health insurance in the Philippines will depend on the preferences of the individual.
Conclusion
Some of the top insurance companies available to expats and travelers in the Philippines include Cigna, Allianz, IMG Global, and more. With a wide variety of insurance providers to choose from, foreigners can have the financial protection they need while living abroad in the Philippines.
Are you ready to begin shopping for an insurance plan today? Look no further than Pacific Prime! We are experienced insurance brokers who offer free and unbiased advice to our clients. Our goal is to help you find the right insurance fit for your lifestyle and budget.
We are partnered with a wide variety of the best insurance companies on the market today and have 25+ years of experience in helping our clients find their insurance plans. We offer international health insurance, corporate insurance, expat insurance, and more!
Contact us today to begin chatting with an insurance expert, or visit our website and use our free quote tool to begin comparing plan quotes on your own.
At Pacific Prime, Grace focuses on simplifying complex concepts on international health insurance to make these topics easily accessible and understandable for our target audience. Being a Filipino born in Hong Kong, she understands the struggles of most immigrants and expats in finding the right insurance solutions while in another country. Her goal is to redefine most people’s perception of insurance, that it is an investment for one’s protection and future.
In her spare time, Grace is either at home or at Hong Kong Disneyland. She loves reading, watching movies and K-dramas, and attending dance classes.
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