{"id":13993,"date":"2026-05-08T11:57:45","date_gmt":"2026-05-08T03:57:45","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=13993"},"modified":"2026-05-08T14:27:19","modified_gmt":"2026-05-08T06:27:19","slug":"best-travel-insurance-philippines","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/best-travel-insurance-philippines.html","title":{"rendered":"Best Travel Insurance in the Philippines in 2026"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Top travel insurance for the Philippines offers strong emergency coverage, evacuation benefits, and protection for trip disruptions like cancellations or lost luggage. Providers such as April International, VUMI, and Blue Cross Blue Shield Global cover both short visits and longer stays.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Keep reading to find the best recommendations for the most essential travel insurance coverage. Pacific Prime offers help and support for <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/philippines-health-insurance\/\"><span style=\"font-weight: 400;\">insurance selections in the Philippines<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article highlights key travel coverage to consider for trips to the Philippines, notes which benefits may already come with your credit card, and compares top medical travel insurance providers to help you choose the best plan for your adventure.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><b>How to Choose the Right Travel Insurance for the Philippines<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-30363 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-facade-in-central-manila-philippines.webp\" alt=\"Image of National Museum Of Fine Arts Facade In Central Manila, Philippines with text overlay of &quot;How to Choose the Right Travel Insurance for the Philippines&quot;\" width=\"1244\" height=\"700\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-facade-in-central-manila-philippines.webp 1244w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-facade-in-central-manila-philippines-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-facade-in-central-manila-philippines-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-facade-in-central-manila-philippines-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/national-museum-of-fine-arts-facade-in-central-manila-philippines-150x84.webp 150w\" sizes=\"auto, (max-width: 1244px) 100vw, 1244px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The best travel insurance for the Philippines can be a budget-friendly mix of available card member benefits and purchasing the right policies to fill the gaps and provide protection. You\u2019ll need to find a travel insurance policy that covers emergency medical expenses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s take a closer look at popular travel insurance coverage items you\u2019ll want for your trip to the Philippines, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip Cancellation Coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost Luggage and Personal Belongings Coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liability Insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rental Car Insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost Travel Documents Coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip Delay Coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency Medical Expenses Coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High-Risk Activity\/ Extreme Sports Riders<\/span><\/li>\n<\/ul>\n<h3><b>Coverage for Trip Cancellations in the Philippines<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Trip cancellation coverage helps reimburse you for non-refundable travel expenses when your trip is canceled due to unforeseeable circumstances. Each policy has a benefit limit for how much coverage is available. Travel insurance companies also have exclusions, so check the policy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most popular travel credit cards and medical travel insurance policies provide coverage for canceled trips. Consult your insurance policy and cardmember benefits for benefit limits.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-38' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Philippines_1.jpg\" alt=\"Blog Banner Philippines 1\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><b>Insurance for Lost Baggage and Personal Items<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Travel insurance policies typically cover lost luggage and personal belongings. This coverage has exclusions and benefit limits, but having this coverage can save you money if you need to replace missing items in the Philippines.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Many popular travel credit cards will cover lost luggage up to the card member&#8217;s benefit limit. This coverage is also easy to add to a medical travel insurance policy if it\u2019s not already included.<\/span><\/p>\n<h3><b>Travel Liability Insurance Explained<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Travel insurance policies include liability insurance for accidental damage to a third party\u2019s property or bodily injury to a third party while you\u2019re traveling. Intentional damage or injury is excluded.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some liability insurance automatically covers rental cars, and others may cover liability when driving rental cars with an additional rider.<\/span><\/p>\n<h3><b>Rental Car Coverage for Travelers in the Philippines<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Rental Car insurance covers a stolen or damaged rental car. The rental car itself is not always covered in a liability insurance policy, and your domestic car insurance is very unlikely to cover damage to a car rented in the Philippines.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Collision Damage Waivers are often available through major credit cards, such as many VISA credit cards or Mastercards. The Philippines, as a destination, is most likely covered in an international rental car collision damage waiver.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To use a rental car collision damage waiver in the Philippines, the driver must pay for the rental car using their credit card with the benefit. You must also waive the rental car company\u2019s coverage to be able to use your card member benefit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Be aware that there is typically a USD $50,000- $75,000 benefit limit, and more valuable rental cars will be excluded. Collision damage waivers are also only intended for passenger vehicles, not motorcycles, recreational vehicles, or cargo vans.<\/span><\/p>\n<h3><b>Insurance for Lost Travel Documents Abroad<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The best international travel insurance policies provide coverage in case you lose travel documents. Replacing travel documents while you\u2019re vacationing in the Philippines can be expensive and difficult. Lost Travel Documents coverage will offset those costs.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-39' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Philippines_2.jpg\" alt=\"Blog Banner Philippines 2\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><b>Travel Delay Insurance for Unexpected Costs<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Trip delay coverage offsets the costs incurred when your transportation is delayed. If delayed flights cause you extra hotel stays or other expenses, you may be able to get coverage through the trip delay portion of your travel insurance policy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There may be trip delay coverage available as a card member benefit from some major credit cards. Consult your card member benefits for the amount of coverage provided. Ensure that it\u2019s adequate for your needs.<\/span><\/p>\n<h3><b>Emergency Medical Insurance for Travel in the Philippines<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Emergency medical coverage in the Philippines is essential for an effective travel insurance policy. There are many areas in the Philippines with limited medical facilities. A good travel insurance policy covers emergency medical evacuation and repatriation with a high benefit limit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You will have to purchase a travel insurance policy with adequate coverage for emergency medical expenses, including medical evacuation and repatriation. Medical benefits available as a credit cardholder perk are insufficient due to very low benefit limits compared to actual medical expenses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Also note that emergency medical expenses as a result of an accident during an extreme sport or activity, such as scuba diving, skiing, or riding ATVs, are not covered without the appropriate add-on.<\/span><\/p>\n<h3><b>Insurance Add-Ons for High-Risk Activities<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">To have emergency medical expenses covered for high-risk activities, you will need to purchase an add-on to your travel insurance policy in the Philippines. Consult the policy\u2019s rider information to ensure that all of the high-risk activities will be included with your insurance rider.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-40' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Philippines_3.jpg\" alt=\"Blog Banner Philippines 3\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><b>Top Travel Insurance Providers for the Philippines<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The best travel insurance companies for your trip to the Philippines focus on providing medical coverage. The most important travel insurance coverage that\u2019s often insufficient or excluded in credit cardholder benefits or other memberships is emergency medical expense coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following travel insurance companies specialize in emergency medical expenses. Many of these companies also include or offer add-ons for popular coverage items like trip cancellation and lost baggage coverage.<\/span><\/p>\n<h3><b>April International Insurance Overview<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">April International\u2019s short-term insurance options for travelers to the Philippines are available for policy terms of one month to twelve. There\u2019s no deductible for medical expenses, and April International offers two levels of coverage to fit your budget needs.<\/span><\/p>\n<p><b>Medical travel insurance policy benefits through April International<\/b><span style=\"font-weight: 400;\"> include the following.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage for accident and illness, including COVID-19 infection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescribed medications<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Second medical opinion coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An optional add-on for pre-existing conditions for policies of three months or longer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical evacuations and repatriation<\/span><\/li>\n<\/ul>\n<p><b>Non-medical benefits on April International <\/b><span style=\"font-weight: 400;\">short-term\/travel insurance policies include the following.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assistance for lost or stolen personal belongings<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency accommodations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal liability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Legal assistance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Return of mortal remains<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Return home for the death or hospitalization of a family member<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Want to know how much an April International insurance policy costs? <\/span><a href=\"https:\/\/myhealthinternational.april-international.com\/en-us\/profile\/travel-dates\"><span style=\"font-weight: 400;\">Get a free quote from April International<\/span><\/a><span style=\"font-weight: 400;\"> for the most accurate results based on your age, destination, circumstances, and travel dates.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-63' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner.css?ver4.1' type='text\/css' media='all'\/>\n<style>\nh3.banner-insurers-title {\n  width: 170px\n}\n\n@media (min-width: 1200px) {\n  div.banner-insurers-container {\n    background-image: url('https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner  \/img\/blog-banner-philippines-bg.png');\n\n  }\n  div.banner-insurers-card-image img.bupa {\n    width: 50px;\n    height: 50px;\n  }\n  h3.banner-insurers-title {\n    width: 320px\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner Philippines -->\n<div class=\"banner-insurers-container\" style=\"background-image: url(https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/blog-banner-philippines-bg-mobile.png);\n\">\n  <h3 class=\"banner-insurers-title\">\n      Our Top Insurance Recommendations <span>for Philippines<\/span>\n  <\/h3>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\" alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton phirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog;\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"130\" height=\"130\" style=\"width: 50px; height: 50px;\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\" alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton phirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog;\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div>\n<!-- Blog Banner Philippines ends --><\/div>\n<\/span><\/p>\n<h3><b>VUMI Travel VIP Coverage for the Philippines<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">VUMI Travel VIP plans are available for single-trip coverage to the Philippines or multi-trip coverage through an annual policy for all of your traveling abroad. You can get outstanding coverage for up to 90 consecutive days on the same trip.<\/span><\/p>\n<p><b>Medical benefits on VUMI\u2019s VIP plans include the following:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Free coverage for children under two years old<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage for travelers up to 79 years of age<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">24\/7 medical emergency coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency dental coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your choice of doctors and hospitals worldwide<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Annual trip plan members can get a second medical opinion<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minor illness and accident coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Repatriation coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compassionate emergency visit to the insured<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Return ticket home if you miss your original flight due to illness<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">VUMI VIP Plans have two riders available for travelers who want non-medical travel benefits.<\/span><\/p>\n<p><b>Non-Medical Rider through VUMI VIP:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost, damaged, delayed, or stolen baggage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage for passport and\/or cash theft<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liability insurance for bodily injury or property damage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Daily hospital benefit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidental Death and Dismemberment coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Legal assistance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Delayed flight or missed connection coverage<\/span><\/li>\n<\/ul>\n<p><b>Trip Cancellation Rider through VUMI VIP:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Provides coverage if you cannot travel due to acute illness, injury, or death.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can easily <\/span><a href=\"https:\/\/agentsportal.vumigroup.com\/index.php\/travel\/index\/290000\"><span style=\"font-weight: 400;\">get a free quote for VUMI VIP travel insurance plans online<\/span><\/a><span style=\"font-weight: 400;\">. Getting a personalized quote is the best way to verify pricing for your age, demographics, destination, and other circumstances.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-69' style='margin: 8px 0; clear: both;'>\n<!--<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-banner_V2_Philippines.png\" alt=\"Insurers recommendation blog banner Philippines v2\" width=\"1138\" height=\"493\" \/><\/button><\/p>-->\n\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner Philippines - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Top Insurance Recommendations in Philippines\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton phirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\"\n            alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton phirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n<\/span><\/p>\n<h3><b>IMG Globehopper Travel Insurance Review<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">IMG Globehopper\u2019s travel insurance plans are available for travelers to the Philippines. Policies must be for a minimum of 30 days. You can add personal liability insurance and adventure sports coverage. Basic sports coverage is included.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">IMG Globehopper plans are customizable so that you can choose the best benefit limit and deductibles for your needs and budget. This is one way that IMG Globehopper is able to offer competitive rates for travel insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can select the following benefit limit amounts:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">USD $100,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">USD $250,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">USD $500,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">USD $1,000,000<\/span><\/li>\n<\/ul>\n<p><b>Medical benefits of IMG Globehopper policies<\/b><span style=\"font-weight: 400;\"> include coverage up to your selected maximum benefit for the following medical expenses:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Intensive Care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Semi-private hospital room and board<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Other inpatient medical expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Outpatient medical expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescription drugs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Local ambulance\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency room for illnesses with or without inpatient admission<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency room for accidents<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dental injury or sudden dental pain<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sudden and unexpected recurrence of a pre-existing condition<\/span><\/li>\n<\/ul>\n<p><b>Non-medical benefits of IMG Globehopper policies<\/b><span style=\"font-weight: 400;\"> include the following.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Terrorism<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip interruptions up to USD $5,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidental Death &amp; Dismemberment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost Luggage<\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.imgeurope.co.uk\/purchase\/Quote\/GLOBEHOPPER\/quote-selection\"><span style=\"font-weight: 400;\">Find and compare IMG Globehopper premiums online for free<\/span><\/a><span style=\"font-weight: 400;\">. You\u2019ll be able to see the cost based on selected add-ons and maximum benefit limits for your travel dates in the Philippines when you enter your demographic information.<\/span><\/p>\n<h3><b>Blue Cross Blue Shield Global Insurance Plans for US Travelers to the Philippines<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global offers travel insurance for US residents visiting the Philippines, with single- and multi-trip plans. Benefits include unlimited telemedicine and access to the world\u2019s largest direct billing network, making it a strong choice for American travelers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global offers single-trip coverage through <\/span><b>Voyager Choice<\/b><span style=\"font-weight: 400;\"> plans and multi-trip Coverage through<\/span><b> Trekker Choice<\/b><span style=\"font-weight: 400;\"> plans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are some other <\/span><b>reasons you may be interested in Blue Cross Blue Shield Global\u2019s travel insurance policies<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global\u2019s travel medical insurance plans also offer pre-existing condition coverage under certain conditions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High maximum benefit amount of USD $1,000,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical evacuation included<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidental death and dismemberment included<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In-network Western medicine doctors are well-vetted\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get support and assistance through Blue Cross Blue Shield Global\u2019s Global Service Center and app<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global\u2019s travel insurance lacks some non-medical benefits found in other policies. However, for Americans with strong non-medical coverage through credit cards or memberships, these plans remain worth considering thanks to their robust medical protections.<\/span><\/p>\n<p><a href=\"https:\/\/go.geobluetravelinsurance.com\/quote\"><span style=\"font-weight: 400;\">To get your free quote on a Voyager Choice or Trekker Choice plan through Blue Cross Blue Shield Global, click here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b>MSH International Coverage Options for the Philippines<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">MSH International travel insurance to the Philippines is available in policies as short in duration as one month. MSH International\u2019s non-medical rider coverage is one of the most inclusive. Medical coverage has a maximum benefit limit of \u20ac250,000, or roughly USD $270,000.<\/span><\/p>\n<p><b>Travel medical benefits through MSH International<\/b><span style=\"font-weight: 400;\"> include the following.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inpatient and outpatient coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Up to \u20ac3,000 in prescription drug coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical evacuation and repatriation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Costs of an extended stay of the insured member<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There is no deductible for coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choose between worldwide coverage or worldwide excluding the United States<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The <\/span><b>benefits of the non-medical travel insurance rider<\/b><span style=\"font-weight: 400;\"> available through MSH International include the following.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Death and disability due to a personal accident<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loss, theft, delay, or damage of luggage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Theft of a passport<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal liability for bodily injury and property damage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travel delay and missed flight connection coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Legal and security assistance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Search and rescue in the sea, the mountains, or the desert<\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/individualquote.msh-intl.com\/client.php?code=4144267046&amp;produit=relaisexpat-firstexpat-startexpat&amp;lang=en&amp;devise=usd\"><span style=\"font-weight: 400;\">Click here to find your personalized quote from MSH International<\/span><\/a><span style=\"font-weight: 400;\">. You\u2019ll need to enter your personal information to get the most accurate quote for coverage in the Philippines.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Expats can find out more about <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/dental-insurance-philippines.html\"><span style=\"font-weight: 400;\">dental insurance in the Philippines in this Pacific Prime blog post<\/span><\/a><span style=\"font-weight: 400;\">, and retirees can <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/medical-insurance-philippines-retirees.html\"><span style=\"font-weight: 400;\">find more information on insurance for moving to the Philippines here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><b>Frequently Asked Questions<\/b><\/h2>\n<h3><b>What is the best travel insurance?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The best travel insurance adequately covers emergency medical expenses, including transportation to the nearest medical facility that can meet your needs. Other popular benefits include trip cancellation and lost baggage.\u00a0<\/span><\/p>\n<h3><b>What does travel insurance exclude?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Travel insurance excludes any situations that arise from foreseeable or intentional circumstances. Travel insurance also commonly excludes medical emergencies due to pre-existing conditions. Liability for damages and medical needs while intoxicated is also excluded.<\/span><\/p>\n<h3><b>Does US health insurance cover me when I travel to the Philippines?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Domestic US health insurance policies do not cover medical expenses in other countries. For medical insurance coverage when you travel, you will need to purchase travel insurance with medical coverage.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Don\u2019t forget to make sure you have emergency medical insurance when you travel to the Philippines! Make sure your policy has adequate coverage for medical evacuation and repatriation. Additional non-medical benefits may offset other costs of unforeseeable travel issues.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To compare travel insurance policies and get free quotes, <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term\/travel-quote\/\"><span style=\"font-weight: 400;\">check out Pacific Prime\u2019s travel insurance quote page for easy reference<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Top travel insurance for the Philippines offers strong emergency coverage, evacuation benefits, and protection for trip disruptions like cancellations or lost luggage. Providers such as April International, VUMI, and Blue Cross Blue Shield Global cover both short visits and longer stays. Keep reading to find the best recommendations for the most essential travel insurance coverage. &#8230;<\/p>\n","protected":false},"author":93,"featured_media":30361,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"footnotes":""},"categories":[217,208],"tags":[],"class_list":["post-13993","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-travel-2"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Best Travel Insurance in the Philippines in 2026<\/title>\n<meta name=\"description\" content=\"Compare top travel insurance options for the Philippines with strong medical and trip protection coverage that suit your travel needs and budget.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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