Top 6 Travel Insurance Companies in the Philippines: 2026 Edition

The top six travel insurance companies that cover trips to the Philippines are IMG, Blue Cross Blue Shield Global Solutions, VUMI, April International, Pacific Cross, and AXA. Each company has a unique set of values, breadth of insurance plan options, partnering hospital network, and more.

Are you traveling to the Philippines soon and need help picking the right travel insurance provider for your trip?

By the end of this article, you should feel more prepared to pick the plan that works for you. We’ll provide an in-depth comparison of these best travel insurance providers for travelers in the Philippines, covering company stats, values, insurance plans, awards received, and customer reviews.

It may also be helpful for you to better understand how the healthcare system works in the Philippines and to read our core article introducing 10 of the best travel insurance companies before you choose.

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A Comparison of 6 Travel Insurance Providers in the Philippines

IMG, Blue Cross Blue Shield Global Solutions, VUMI, April International, Pacific Cross, and AXA are the top six travel insurance providers in the Philippines. All have years of experience, thoughtfully designed insurance policies, and strong 24/7 customer support. 

This article will do a deep dive comparison of the insurance companies themselves, not of their insurance plans. For a plan and benefits comparison, read our articles Top Philippines Insurance Companies for Expats and Travelers and Best Travel Insurance in the Philippines.

IMG Travel Insurance for the Philippines

IMG Global has been providing worldwide travel, travel medical, and health insurance solutions since 1990. IMG’s plans include customizable coverage, quality member support, prescription drug coverage, medical evacuation, and more. IMG is known for their wide range of plans and quality coverage.

IMG offers various coverage options for a number of unique needs, such as students, missionary groups, corporations, individuals, families, long-term travelers, and even for pet owners.

IMG has helped over one million customers, and they partner with over one million doctors and telemedicine professionals. Travelers heading to the Philippines should be able to find a plan that fits their needs.

Travel Insurance Plans Offered:

• iTravelInsured (Lite, SE, LX, or Choice)
• Patriot (Lite, Plus, or Platinum)
• Patriot Exchange Program (for exchange students or those studying abroad)
• GlobeHopper Senior Plan (for those aged 65+ and above)

Awards and Accolades Received:

• 2025: IMG won two Travel Weekly Magellan Awards, earning Gold in the Travel Insurance Product category for its iTravelInsured Choice plan and Silver in the Travel Insurance Customer Service category for exceptional service. 
• 2023: IMG’s app IMG Mobile received an award from Travel Weekly Magellan Awards in the Online Travel Services Marketing category for the app’s excellent customer experience.
• 2022 and 2023: IMG received the Best Travel Insurance Provider – Overall award at the 9th annual Travvy Awards ceremony.
• IMG has received 4.6/5 stars from over 13,000 reviews.

Blue Cross Blue Shield Global Solutions Travel Insurance for the Philippines

Blue Cross Blue Shield Global Solutions is a leading international travel medical insurance provider with over 25 years of experience, a network of providers in more than 180 countries, including the Philippines, and access to over 1.7 million physicians worldwide. 

Blue Cross Blue Shield Global Solutions (formerly GeoBlue) is widely acknowledged for its innovation in digital health services, pioneering mobile health tools and appointment scheduling technology that set early standards for international healthcare access.

Travel Insurance Plans Offered:

• Voyager: Single Trip
• Trekker: Multi-Trip

Awards and Accolades Received:

• 2025: Blue Cross Blue Shield Global Solutions earned the Great Place To Work® Certification, reflecting strong employee satisfaction and workplace culture, with 84% of staff reporting a positive experience.
• 2024: URAC Accreditation for Health Utilization Management: Blue Cross Blue Shield Global Solutions remains the only international health plan solution to hold this gold-standard accreditation, verifying its commitment to clinical quality and consumer protection.

VUMI Travel Insurance for the Philippines

With over 35 years in the international travel and health insurance industry, VUMI (VIP Universal Medical Insurance) is well known for high-end, international travel medical insurance that specializes in premium, personalized VIP care for clients.

VUMI focuses on offering outstanding customer service and making claims easy through direct billing options and an exclusive medical network. Apart from their comprehensive travel insurance, they also offer exceptional long-term health insurance plans 

Travel Insurance Plans Offered:

• Single-trip insurance
• Annual travel insurance
• Nonmedical rider
• Trip cancellation rider

Awards and Accolades Received:

• 2025: Won the Gold Award at the 2025 Middle East & North Africa Stevie® Awards for Innovative Achievement in Growth.
• 2025: David Rendall, CEO, received the Gold Award for Executive of the Year – Insurance at the 2025 Stevie Awards.
• 2024: Received the Gold Award from The International Business Awards for a productive agent central app.
• 2024: Received the Gold Award from Hermes Creative Awards for the top electronic media/social media of the year.
• VUMI has received many more awards in recent years.

April International Travel Insurance for the Philippines

April International has over 30 years of experience in the industry and is best known for their long-term expat health insurance. They also offer travel insurance plans for individuals, families, and students abroad, including trips to the Philippines.

April International travel insurance plans provide clients with access to private medical facilities of their choice, optional pre-existing medical coverage, policy extensions up to 6 months, and more. Plans are available in EUR, GBP, and USD.

Travel Insurance Plans Offered:

• Chubb Travel Insurance: Up to one month
• Travel & Holiday Insurance: Up to three months
• Schengen Visa Insurance

Awards and Accolades Received:

• 2024: Received a Silver Award for Best Corporate Healthcare Provider at the HR Vendors of the Year Awards, which underscores April International’s commitment to providing innovative and personalized health insurance solutions that prioritize both employer needs and employee well-being.
• 2024: Received the Service Provider of the Year award at the Asia Insurance Industry Awards, which recognizes April International’s outstanding contributions to expanding access to affordable, quality healthcare across Asia and beyond.
• 2024: April International’s Easy Claim app wins Customer Service Initiative of the Year from the Asia Awards.
• 2024: Received the Managing General Agent of the Year award from the Asia Awards.
• April International has received many more awards in recent years.

Pacific Cross Travel Insurance for the Philippines

Pacific Cross is one of the longest-established travel insurance providers on our list, with over 75 years of experience. With a strong focus on five major Asian markets, including the Philippines, it specializes in locally compliant and tailored regional medical coverage.

Pacific Cross has insured over 1.5 million clients, and they have over 10,000 partnering medical experts. Their Bon Voyage plans include sports coverage for activities such as trekking and scuba diving with no additional charge.

Travel Insurance Plans Offered:

• Bon Voyage Plan A: Up to 180 days
• Bon Voyage Plan B: Up to 180 days
• Bon Voyage Plan C: Up to 180 days
• Premier Plan: Annual (multi-trip)
• Executive Plan: Annual (multi-trip)

Awards and Accolades Received:

• 2024: Received Best Health Insurer award for Thailand at the InsuranceAsia 2024 Country Awards for Excellence.
• 2021: Received a second consecutive Golden Arrow award from the Institute of Corporate Directors (ICD) in recognition for their exemplary commitment to good corporate governance.

AXA Travel Insurance for the Philippines

AXA has been at the forefront of the international insurance market for 55 years, and they are one of the largest insurance companies in the world. With over 95 million clients worldwide, including in the Philippines, AXA is known for their global presence, risk management, and data privacy.

AXA travel insurance offers medical travel benefits, trip cancellation, emergency evacuation, baggage loss, cancel-for-any-reason options, trip interruption, and more.

Travel Insurance Plans Offered:

• Silver Plan
• Gold Plan
• Platinum Plan

Awards and Accolades Received:

• 2025: Bloomberg Businessweek Financial Institutions Awards: AXA (Hong Kong and Macau) secured 9 major accolades, including the prestigious “Insurance Company of the Year” titles for both the General Insurance sector and GBA Macau.
• 2024: Received 10 awards at the Bloomberg Businessweek Financial Institutions Award ceremony.
• 2019, 2017, 2016: Received the Most Innovative Insurance Company of the Year.

How a Broker Can Help Travelers Secure Travel Insurance

Brokers help travelers save time and money by comparing plans and leveraging market expertise to secure the best options. For trips to the Philippines, purchasing insurance through a broker is often more efficient than buying directly from insurers.

Here are some key benefits of using an insurance broker:

• Access to a wider range of insurance options
• Experienced experts who assess your needs and do the research for you
• Help finding the most cost-effective plans
• Support with claims and reimbursement
• Unbiased advice focused on finding the right plan for you, not pushing a specific product

There are many more benefits to using a broker, and Pacific Prime is your broker of choice. Let us help you find the right Philippines travel insurance plan for your budget and needs. Contact us to learn more!

Frequently Asked Questions

What should I look for in a travel insurance policy for the Philippines?

Look for medical coverage, trip cancellations, delays, lost baggage, and emergency evacuation when picking travel insurance for the Philippines. Given the tropical climate and outdoor activities in the Philippines, ensure coverage for medical emergencies, natural disasters, and adventure sports.

Which travel insurance companies offer the best Philippines coverage?

Top providers of Philippines travel insurance include Pacific Cross, Allianz Travel, GeoBlue, AXA, VUMI, and IMG. These companies offer extensive medical coverage, trip protection, and emergency evacuation. Compare policies based on coverage limits, exclusions, and costs to find the best fit.

How do I file a claim if I need to use my travel insurance in the Philippines?

To file a claim for your travel insurance policy to the Philippines, contact your insurer immediately, keep all receipts and medical records, and follow their claim process. Most providers require forms, documentation, and proof of expenses. Submitting claims online is often the fastest way.

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Conclusion

We’ve now gone over the company key figures, focus values, insurance plans, awards and accolades, and customer reviews for the best insurance providers in the Philippines.

If you’re ready to begin comparing travel insurance quotes, we recommend contacting one of our insurance brokers.

If you’re not set on traveling to the Philippines or want to tour other countries while abroad, read our articles A Guide to Getting the Best Travel Insurance in Bali and A Complete Guide to Travel Insurance in Malaysia.

If you’re interested, you may also want to read these articles:

• Best Travel Insurance in the Philippines
• Health Insurance in the Philippines for Foreigners
• Top Philippines Insurance Companies for Expats and Travelers
• Guide for Living Abroad in the Philippines
• Top 7 Places for Expats to Live in the Philippines

• About
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Tawan

Content Creator at Pacific Prime

Napasrapi “Tawan” Triemthana is an upcoming content creator at Pacific Prime Thailand. He graduated with a bachelor's degree in English from the Faculty of Arts, Chulalongkorn University, where he developed knowledge in literature and culture, while also building up experience writing academically compelling essays and articles. Before joining Pacific Prime’s content team, Tawan had been in an internship at a top e-commerce company in Thailand, during which he had a chance to write blog posts and short articles for the company’s website and social media. During college, Tawan also worked part-time as a Thai-English translator and proofreader for the Faculty of Dentistry's academic journals.

With his keen interest in journalism, especially in the healthcare and wellness field, Tawan joins Pacific Prime with the goal of creating content that simplifies health insurance solutions, helping people make informed choices and choose the best options for their needs.

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