best travel insurance philippines 2023

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Travel Insurance For A Trip To The Philippines (2024)

Is Philippines travel insurance worth it? We discuss the cost and coverage, plus travel and safety tips.

in under 2 minutes

Kristin Peters is a content developer with over seven years of experience researching and writing about various consumer-focused topics. As part of the Guides Home Team, she focuses primarily on home warranties and insurance services that can bring homeowners peace of mind.

Veronika Jelenik is an editor with a background in journalism. She previously has had her work published in the New York Daily News and the Hartford Courant, and she has covered many disparate topics. Veronika has a bachelor’s degree in journalism and social and cultural analysis. When not immersed in home services content, Veronika enjoys spending time with her friends and her Chihuahua, Beanie.

Traveling to a new country can be an exciting yet nerve-racking experience. Because so many aspects of the trip are out of your control, it’s impossible to predict or avoid every possible mishap. International travel insurance is one way to gain peace of mind and financial protection. You can find policies to cover a variety of situations, such as last-minute cancellations or medical emergencies and theft.

In addition to reviewing the top travel insurance companies , we at the Guides Home Team compiled all the information you need about travel insurance in the Philippines so you can plan a safe and memorable vacation.

Do I Need Travel Insurance To Visit The Philippines?

Travel insurance with a minimum coverage of $35,000 used to be required for foreign nationals visiting the Philippines. However, in May 2022, the Consulate General of the Philippines in New York issued new guidance stating that travel insurance is encouraged but no longer required.

Although the Philippines no longer requires foreign nationals to obtain travel insurance for their stay, you still need to meet other requirements for entry. You need a passport valid for at least six months and a valid onward or return ticket, as well as applicable COVID-19 vaccination proof.

If you choose to purchase travel insurance, you have options, including coverage for cancellation and medical emergencies.

Compare Philippines Travel Insurance Companies

Review policy rates and protections across top-rated travel insurance companies for a trip to the Philippines in the table below.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

What Kind Of Travel Insurance To Get For A Trip To The Philippines

There are several types of coverage you should consider when buying travel insurance for your trip to the Philippines.

Cancel for Any Reason Coverage

Cancel for any reason (CFAR) coverage is exactly what it sounds like — insurance that covers the cost of canceled travel plans regardless of the reason. Most insurance companies offer CFAR coverage as an upgrade or add-on benefit to a standard travel insurance plan. Standard plans also cover cancellations, but only for certain reasons. Typically, those reasons are limited to unforeseen events and things outside your control, such as a natural disaster or medical emergency.

With CFAR coverage, you can cancel for reasons not covered by a standard plan without an explanation. The freedom to cancel for any reason has become especially attractive during the era of COVID-19, as public health recommendations and requirements change frequently. CFAR coverage allows you to cancel if anything pops up that makes you uneasy about the timing or destination of your trip. Your reasons could be personal, financial or even hypothetical.

Tip: Check the U.S. Department of State’s (DOS) travel advisory for the Philippines shortly before leaving. Look for updates to the advisory level, health information and areas of increased risk that might affect your travel plans.

Gear Theft Protection

When you travel, your personal belongings are at risk of being lost, damaged or stolen. The airline could lose your luggage, or your bags could be delayed, leaving you without critical gear. A thief could snatch your suitcase or laptop from your Manila hotel room or pickpocket your wallet and passport as you sample Filipino cuisine.

Travel insurance that includes gear theft protection or baggage insurance can help you replace your stolen gear and even your travel documents. Depending on the situation, the insurance company may pay to repair or replace your belongings plus cover the cost of rental equipment if necessary after a theft, loss or delay.

You should also read through your renters or homeowners insurance before leaving for the Philippines. Many policies cover your personal belongings when traveling, not just when you are home. However, certain limits and exclusions may apply.

Tip: Make a list or take photos of everything you take on your trip. That inventory will come in handy if your bags are stolen, lost or delayed. If you experience theft, report it promptly and keep a copy of any official documentation, such as a police report, to submit to your insurance provider.

Medical Emergency Insurance and Emergency Medical Evacuation

Medical emergency insurance and emergency medical evacuation coverage may be the most important features of your travel insurance. Without insurance, stolen gear or a missed flight might cost you a few hundred dollars. Canceling your entire trip could cost several thousand dollars. However, experiencing a medical emergency overseas could cost tens of thousands of dollars — especially if you need to be evacuated.

Many travel insurance plans include $500,000 or $1,000,000 of medical evacuation coverage paired with $15,000 to $500,000 of medical coverage. As you decide how much coverage to purchase, think through your plans and itinerary. Consider where and how you will be spending your time. High-risk activities and remote locations may increase the likelihood that you will need medical care.

Remember that before changes were announced in May 2022, the Philippines required foreign nationals to obtain at least $35,000 of coverage. Squaremouth , a leading travel insurance quoting and comparison engine that has helped insure more than 2.5 million customers, recommends at least $50,000 of medical emergency coverage and $100,000 of medical evacuation coverage.

Tip: If you have a pre-existing medical condition , you may need to purchase a waiver to ensure your plan will cover it. Not all plans will cover pre-existing conditions, and those that do may need you to meet certain requirements.

Rental Car Protection

You may or may not need rental car protection for your trip to the Philippines. To decide, consider whether you plan to rent a vehicle and what, if any, coverage you already have.

Contact your car insurance agent to find out what your existing auto policy covers. Few U.S. car insurance companies will cover you when you’re driving abroad, but it’s worth checking. You should also check with your credit card company, as some card issues offer complimentary rental car insurance.

You can purchase protection directly from the rental car company. Liability insurance, which covers injuries and property damage you cause other people, may be included in the rental price. For broader coverage, you typically have the option to purchase a collision damage waiver. However, it is often less expensive to purchase comprehensive travel insurance that includes rental car coverage.

Tip: Consider getting an international driving permit (IDP) before your trip. Although you should be able to use your state-issued driver’s license in the Philippines for up to 90 days, many countries require an IDP. You should also research the driving laws, culture and conditions in the Philippines to ensure that you will be comfortable driving there.

Trip Cancellation Insurance

Most travel insurance plans include trip cancellation insurance , often paired with travel delay and trip interruption coverage. Unlike CFAR coverage, this coverage is typically limited to certain situations. Your policy documents should spell out which situations do or do not qualify for reimbursement. Companies may also differ on how they treat cancellations related to the coronavirus pandemic.

If you cancel for a covered reason, trip cancellation insurance will generally cover any non-refundable trip costs up to the policy limit. You decide the coverage limits. When you apply, the insurance company will ask about your trip cost. Make sure the figure you provide includes all the prepaid, non-refundable expenses associated with your trip. If you say your trip costs $2,000, that is what your coverage limit will be.

Tip: If you need to cancel your trip, be ready to provide documentation. The insurance company will want to verify your reason for canceling. You will also need to provide proof of your expenses, such as receipts or itemized bills.

Flight Insurance

Though you only need flight insurance if you plan to fly, a trip to the Philippines will almost certainly require air travel. The Philippines is an island nation that lies more than 7,000 miles from California and nearly 5,500 miles from Hawaii. In many cases, you can expect your plans to include at least one connection, which increases the odds that you will miss a flight. Unless you purchased a fully refundable ticket, airlines are not always required to issue a refund or voucher.

Flight insurance helps you cover the cost of booking a new flight if you miss your original flight. You can purchase flight insurance from the airline itself or from a third-party travel insurance company. For international travel, it might be wiser to purchase a comprehensive travel insurance plan that includes flight coverage. You could miss your flight for many reasons, and some may involve costs not covered by flight insurance alone.

Tip: Check the vaccination requirements of each airport you will pass through on your way to the Philippines, as COVID-19 protocols may vary. You may need certain documentation, such as a negative test result, proof of vaccination or a health declaration form ready to present.

How Much Does Philippines Travel Insurance Cost?

The first step to finding the cheapest travel insurance is comparing costs. The age of the traveler, the destination location and the total trip cost all factor into travel insurance costs.

To give you a general idea of what to expect, we obtained quotes from three companies for two different trip scenarios. For each plan, the trip cancellation coverage equals the trip cost, which is $2,000 for the first scenario and $5,000 for the second.

Quotes listed below were collected from each company’s respective website in December 2022 and assume June 2023 travel dates for a Virginia resident.

Trip 1: 27-year-old traveler, $2,000 trip cost, 7-day trip length

Trip 2: 45-year-old traveler, $5,000 trip cost, 14-day trip length, how do i get travel insurance for a philippines vacation.

Follow these steps to purchase Philippines travel insurance:

• Add up your trip costs. This will tell you how much coverage you need. Your tally should include all expenses that are prepaid and nonrefundable to ensure sufficient trip cancellation coverage.
• Gather quotes. Gather quotes from several companies. Most companies offer multiple comprehensive plans with different terms and coverage limits.
• Read the fine print. Make sure you understand what each policy covers. You may want to ask specifically about preexisting conditions, travel assistance, COVID-19 coverage and covered cancellations.
• Choose a plan. Compare your options and choose the best plan for your travel needs. If you have multiple trips planned in a year, consider investing in an annual travel insurance plan.

Remember, it’s best to purchase travel insurance as soon as possible after booking your trip. If you wait too long, you may be ineligible for coverage or risk the denial of certain claims.

The Philippines Travel and Safety Tips

Although getting travel insurance is important, it’s equally important to do what you can to avoid needing it. Start by reading through the travel and safety tips below.

Coronavirus precautions in the Philippines are set by the Inter-Agency Task Force (IATF) for the Management of Emerging Infectious Diseases. In October 2022, the IATF issued new guidance . Foreign nationals age 15 or older must present one of two things to enter the Philippines:

• Proof of vaccination. To be considered fully vaccinated against COVID-19, you need to have received the second dose of a two-dose series or a single-dose vaccine more than 14 days prior to your departure from your country of origin.
• Negative rapid antigen test result. The COVID-19 test must have been administered and certified by a healthcare professional within 24 hours prior to your departure from your country of origin.

Note that a pre-departure COVID-19 test is no longer required for those who are fully vaccinated. Another recent change is that the country now requires a rapid antigen test within 24 hours rather than an RT-PCR test within 48 hours for unvaccinated individuals.

As of October 2022, face masks are no longer required except in healthcare facilities, medical transport and public transportation. Inbound travelers must only quarantine if they test positive for COVID-19 through a rapid antigen test. Quarantine protocols are set by the country’s Department of Health (DOH). The DOH maintains an FAQ page that travelers may find useful.

You can find a COVID-19 case tracker on the Philippines DOH website, along with a list of relevant updates and policies. You can also check the U.S. Embassy website for information related to COVID-19 and travel to the Philippines.

Crime and Safety

The U.S. DOS has four travel advisory levels. As of December 2022, the Philippines fell into the yellow level-two category: exercise increased caution. Noted risks include crime, terrorism, civil unrest and kidnapping, particularly in the Sulu Archipelago, Marawi City and other areas of Mindanao.

According to Statista , the most prevalent crime in the Philippines is theft, with 11,492 incidents reported in 2021. The DOS highlights other dangers, including kidnappings and physical assaults. Specifically, it notes that travelers leaving Manila Ninoy Aquino International Airport via taxi or private vehicle have been stopped and robbed.

If you fall victim to a crime, you should report it to the local police at the 911 hotline. U.S. citizens should also contact the U.S. Embassy at +(63)(2)5302-2000. The DOS recommends enrolling in the Smart Traveler Enrollment Program (STEP). This enables you to receive important security messages and makes it easier for authorities to locate you in an emergency.

Day Trips, Tours and Excursions

The largest island of the Philippines, Luzon, is home to the capital city of Manila. Other popular cities include Cebu in the central Visayas island group, Puerto Princesa on the westernmost island of Palawan, and El Nido at the northern tip of Palawan. Breathtaking scenery and recreational opportunities abound near all four cities. Here are a few of the top attractions and activities for tourists:

• Whale shark tours: Many tours offer a chance to see or even swim with the world’s largest fish. An up-close encounter is virtually guaranteed in Oslob, though some question the sustainability and ethics of the town’s setup. Other options are Donsol, on the island of Luzon, and Sogod Bay on Southern Leyte. The best months for this activity are November through May.
• Island hopping: Island-hopping tours allow you to visit multiple islands in one day. These tours often last 8 hours or longer and include lunch. To maximize the experience, choose a tour with a recreational activity you’d like to try, such as snorkeling or canyoneering.
• Beaches: As you might expect, the Philippines is home to several stunning beaches. Three popular destinations are El Nido’s Nacpan Beach and Boracay Island’s White Beach and Puka Shell Beach.
• Banaue Rice Terraces: Located in the mountains north of Manila, the Banaue Rice Terraces are a marvel carved into the landscape more than 2,000 years ago by the Ifugao people. The terraces are spread across several villages, including Batad. Many tours of this area are planned as a scenic multi-day adventure.

This list only scratches the surface of the things to do and see in the Philippines. The country also boasts multiple lakes, caves, parks and even underground rivers. Historical and religious sites include Fort Santiago, the Magellan’s Cross Pavilion, Cebu Taoist Temple and the Basilica del Santo Niño.

If you anticipate your trip being a once-in-a-lifetime opportunity, we recommend setting aside at least 10 days. You will have no problem filling the time. Plan your itinerary well in advance, and be realistic about how much you can fit into your visit.

Is Travel Insurance For a Trip To The Philippines Worth It?

Purchasing travel insurance for a Philippines vacation is worth it if you want nonrefundable trip costs covered in an unexpected situation. Forgoing insurance or opting for a bare-bones plan could end up being an expensive decision if something goes wrong before or during your trip. A vacation here is not without risks. Theft is relatively common, and many of the top tourist attractions are heavily dependent on good weather.

Shop around before picking a plan. We recommend gathering quotes from at least three companies. Then compare not only the prices but also the coverage limits, benefits and exclusions to ensure you get the best deal and coverage.

Frequently Asked Questions About Travel Insurance for The Philippines

Does philippine airlines require travel insurance.

When you book a flight to the Philippines from any other country through Philippine Airlines, your ticket automatically includes travel insurance with COVID-19 coverage. This coverage, which starts upon your arrival in the Philippines, is complimentary but not optional. It provides up to 30 days of protection for passengers from 2 weeks to 75 years old. It includes the following:

• Up to $35,000 for COVID-related medical expenses
• Up to $35,000 for COVID-related medical evacuation
• Up to $2,000 of personal accident coverage
• 24/7 emergency travel and medical assistance

How do you know if you need travel insurance?

To determine whether you need travel insurance, you should consider three things: cancellation policies, existing coverage and level of risk. Think through everything that could go wrong and what you can afford. Between complimentary coverage, existing insurance policies and generous cancellation policies, you may not need travel insurance.

If each item you have booked — hotels, flights , tours, etc. — can be canceled for any reason without penalty, then you can forgo cancellation coverage. For medical expenses, you may be covered by your existing health insurance, and your renters or homeowners insurance may cover any theft of your personal belongings. Some credit cards even offer complimentary travel insurance, including rental car coverage.

Which travel insurance policies cover COVID-19?

Standard travel insurance policies may or may not cover a COVID-related cancellation or delay, but most will provide medical coverage if you contract COVID-19 while traveling. Cancel for any reason (CFAR) policies will cover you if you need to cancel your trip due to COVID-19 — whether because you are sick or because of a lockdown or outbreak.

To ensure your travel insurance covers COVID-19, read through any policy documents carefully or speak to an agent. Ask about terms that may apply, such as a pandemic or foreseeable risk exclusion.

How much is travel insurance?

Travel insurance can cost anywhere from 4% to 12% of the total cost of your trip, according to Generali . However, the exact cost will vary depending on several factors, including the length and location of your trip. Your age and health may also play a role. We recommend gathering quotes from multiple companies to ensure you get the best possible rate.

Some insurance companies, such as Nationwide and Allianz, offer annual travel insurance plans that are more affordable than purchasing separate policies for each trip. You may also qualify for free but limited coverage through the airline or your credit card.

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Category: Guide

Guide: a comprehensive guide to travel insurance in the philippines.

Ailah Lou Magan

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Consider this scenario: during the Christmas holidays, you decide to visit your family. Upon boarding the plane, you realize your baggage is missing. This could cause you to miss your flight. Such issues are common when traveling locally or internationally. One might ask, “What if my luggage gets lost? Will I be compensated?” This is where travel insurance comes into play. So, what exactly is travel insurance in the Philippines?

In this article, we’ll explore what is travel insurance, its significance, where to obtain it, the top choices available, and budget-friendly options. We’ll also delve into international travel insurance for Filipinos. By the end of this guide, you should be well-equipped to select the travel insurance that best suits your needs.

What is travel insurance? 

As defined by Investopedia, travel insurance is a form of coverage that compensates for financial losses related to travel. These may include illnesses, injuries, accidents, flight or other transport delays, among other issues.

How important is travel insurance?

If you’re wondering if travel insurance is worth it, the answer is yes. Allianz stated three reasons why travel insurance is a must: 

• Most of us can’t afford to lose our vacation investment . For instance, you pay $7,000 for a 25th anniversary Mediterranean cruise, but your mother falls ill the day before. The cruise line won’t refund due to their 14-day cancellation policy. Travel insurance could reimburse non-refundable costs if you cancel for a covered reason.
• Medical emergencies overseas can be incredibly expensive. Travel insurance with emergency medical benefits covers losses from medical and dental emergencies during your trip. It also covers transportation to the nearest medical facility and the cost of returning home after a covered injury or illness. 
• You wouldn’t want minor mishaps to spoil your trip. Travel inconveniences can cause headaches during our vacation, but travel insurance can help alleviate these issues. 

Where to get travel insurance in the Philippines ? 

If you’re a Filipino citizen interested in obtaining travel insurance, the following insurance companies offer these services:

• Axa Philippines
• Starr Insurance Philippines
• Pacific Cross Philippines
• Malayan Insurance
• Chubb Travel Insurance Philippines
• Etiqa Philippines
• BDO Insure (BDO Unibank)
• PAL Travel Insurance (Alliedbankers Insurance Corporation)

What are the best travel insurance options in the Philippines ?

Grit PH made a list of travel insurance companies that offer different policies depending on your needs:

• World Nomads 

World Nomads Pty Ltd, a Sydney-based travel insurance company founded in 1999, is favored by adventurous travelers worldwide. 

Starting from $38, their policies cover emergency medical support, evacuation, trip cancellation, and even adventure sports. 

Unique features oriented towards active nomads include dental treatment, prescribed medicines, daily hospital cash allowance, hospitalization, physiotherapy, chiropractic treatment, acupuncture, osteopathy, counseling after assault, and coverage during study, work, or volunteering.

• AXA iON – Smart Traveler 

AXA iON, a service of AXA Philippines, offers worldwide travel insurance starting at Php 990. 

The policy covers personal accidents, medical expenses, emergency medical evacuation and repatriation, travel inconveniences, personal belongings, and other benefits such as personal liability, hijacking, kidnapping, funeral and burial expenses.

• AIG Travel Guard 

AIG Travel Guard is a global insurance solution for travelers, offering coverage for medical expenses, evacuation, repatriation, personal accidents, child guard, compassionate visits, baggage delay, trip cancellation or termination, personal effects, flight delay, loss of travel documents, and personal liability. Prices start at Php 400 for 1 to 4 days.

• Fortune General 

Fortune General (FGen) offers revamped travel insurance services with more features, providing coverage for travels to Asia, Schengen (Europe), and the rest of the world, with prices starting at Php 900 for one week.

Policy coverage:

• Accidental benefit
• Medical expense and hospitalization
• Medical evac or repatriation
• Emergency Dental Care
• Repatriation of Family Member
• Repatriation of Mortal Remains
• Compassionate Emergency Visits
• Compassionate Emergency Return
• Care for Minor Children
• Flight Delay
• Missed connecting flight
• Trip diversion
• Strikes and aircraft hijacking
• Emergency trip cancellation
• Emergency trip termination
• Personal belongings and baggage
• Other services
• Pacific Cross

Pacific Cross is a global insurance provider with a focus on ASEAN countries. It offers a range of insurance products, starting at Php 500, covering in-patient and out-patient care, emergency treatments, recreational activities and sports, implants due to accidents, hospital income, funeral expenses, personal accident and liability, vehicle rental protection, and baggage delay.

• Malayan Travel Master

Malaysian Travel Master, a comprehensive international travel health insurance in the Philippines, offers competitive pricing starting at Php 375 for 4 days in ASEAN. 

The policy covers personal accidents, emergency medical treatment (excluding pre-existing conditions), personal liability, recovery of travel expenses, travel inconvenience, and assistance benefits, along with value-added features.

• MAPFRE Philippines

MAPFRE Insular provides non-life insurance packages, focusing on motor vehicles, engineering, marine cargo, fire, and allied lines, surety, and microinsurance. 

They also offer a travel insurance package that covers medical expenses, baggage delay, trip cancellation, personal liability, accidental death, permanent disability, and repatriation of mortal remains.

• FPG Insurance

Operating under the Zuellig Group of Companies, FPG Travel offers worldwide travel insurance starting at Php 450 for the Classic Plan (4 days). 

The policy covers personal accidents, medical expenses, emergency dental care, medical evacuation and repatriation, return of a family member traveling with the insured, trip cancellation and curtailment, delayed departure, missed connecting flight, loss of travel documents and money, personal liability, and luggage delay.

• Standard Insurance 

Standard Insurance offers worldwide service coverage with prices starting at Php 495 for an 8-day ASEAN package. 

Their policy includes emergency medical and travel assistance, travel inconvenience benefits, personal liability benefit, and personal accident liability, with coverage of up to Php 500,000.

• Pioneer Insurance 

Pioneer Life Inc, established in 1964 and fully Filipino-owned since 2003, offers worldwide service coverage for travel insurance. Prices start at Php 399 for ASEAN 4 days. 

The policy covers emergency trip cancellation and termination, flight delay, missed connecting flight, hijack, and various baggage, personal effects, and money benefits.

What are the cheapest travel insurance options in the Philippines?

Although there’s insufficient data for insights on this matter, it’s crucial to prioritize comprehensive coverage over cost. 

Strive for a balance between affordability and protection. Utilize comparison tools, and scrutinize the coverage details and prices of various insurers before making a decision.

Do I need travel insurance in the Philippines?

Although the Philippines has removed the need for foreigners to acquire travel insurance during their stay, other requirements stipulated in Resolution No. 168, Series of 2022 by the IATF, must still be met. Furthermore, a passport that is valid for at least six months, an onward or return ticket, and proof of relevant COVID-19 vaccinations are also required. 

Do I need travel insurance?

David Leiter, publisher of The World Travel Guy blog, suggests it might be wise to purchase travel insurance with good coverage if you are:

• Embarking on an expensive trip with non-refundable costs
• Traveling internationally
• Visiting a remote location lacking easy access to medical care

Additionally, Eckhoff recommends considering travel insurance if you:

• Have a pre-existing medical condition, provided the policy caters to your needs
• Are visiting a country faced with political instability, natural disasters, or health risks
• Engage in high-risk activities, which increase the likelihood of injury or illness

Is travel insurance mandatory? 

As stated by MarketWatch, travel insurance coverage is not mandatory. However, some countries require travel insurance to enter. 

Can you get travel insurance at the airport?

According to Nerdwallet, you cannot purchase travel insurance at the airport. It is also not possible to buy it after you have boarded your cruise, decided not to attend a tour, or if your flight is so delayed that you miss your connection.

Travel insurance serves as a valuable protection for both domestic and international travel. It also covers unexpected medical expenses, and offers reimbursement for losses or additional costs due to incidents like stolen baggage or flight cancellations.

Various insurance companies like AXA, Starr, and Pacific Cross offer different travel insurance depending on your needs. Moreover, if you want to gain more understanding on international travel insurance in the Philippines, BDO Insure also offers International Travel Insurance with emergency medical treatment including COVID-19 coverage for international travels. 

Keep in mind that it is important to prioritize coverage over cost when choosing the right travel insurance. When choosing the right travel insurance in the Philippines, consider value over cost, opt for multi-trip plans if you travel frequently, consider group or family insurance for group travel, check if you already have coverage through banks or airlines, and read the fine print for health exclusions. 

Source: (1) , (2) , (3) , (4) , (5) , (6) , (7) , (8) , (9) , (10) 

Also Read: GUIDE: Travel Insurances in the Philippines and Where to Get One

Ailah enjoys writing since high school. She was a campus journalist back then, serving as an Editorial Writer for their school paper. She spends most of her free time writing journals and watching horror movies, and she loves to travel and explore new things to gain new knowledge throughout her chosen carrier. Ailah is currently a WhataLife intern.

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Travel Insurance for the Philippines 2023

What is the best travel insurance for the Philippines? The archipelago of the Philippines is a mesmerizing paradise that captivates all visitors with its endless charms. With so much to see and do there, it is only natural that you would want to explore the country while being protected with the best guarantees.

Breathtaking beaches, volcanoes, charming villages, world-class diving spots, and warm-hearted locals who always greet you with a smile are just a few examples of what awaits you there.

In this guide, we will provide you with information about the best insurance policy for visiting the Philippines, the extensive coverage it offers, and how you can obtain it easily.

Take a moment to decide which swimwear you will bring, as you will soon have your insurance in hand and be ready to embark on this amazing adventure.

Why purchase travel insurance to the Philippines

A coral cut, a slip while exploring downtown Manila resulting in a sprained ankle, the common traveller’s diarrhoea that can occur from drinking untreated water, or any illness that would typically have a straightforward solution back home, could lead to seeking medical assistance in healthcare facilities with questionable reputations or incurring exorbitant bills at first-class hospitals, ultimately ruining your trip.

Therefore, it is crucial to have travel insurance that provides comprehensive protection for your visit to the Philippines. Starting in February 2022, having travel insurance has transitioned from being a mere recommendation to becoming a mandatory requirement for entry into the country. With a valid policy in hand, you can ensure that you will have access to the best specialists in the country without incurring any out-of-pocket expenses.

Nevertheless, an international insurance policy, like the one we will present in this guide, goes beyond just healthcare coverage . It offers comprehensive protection in all aspects of your trip. You will have coverage for theft, issues related to your luggage, incidents during flights (which are quite common in the country), and many other contingencies. Additionally, the policy provides the option of repatriation to your home country if necessary. Your travel insurance to the Philippines will encompass all of these benefits and much more.

What is the best travel insurance for the Philippines?

The following section will outline the essential coverages that your policy should include to ensure peace of mind during your trip. However, considering the mandatory requirement and the significance of having travel insurance, you may want to proceed with obtaining it immediately.

If that is the case, we recommend IATI Backpacker as the ideal insurance for your trip to the Philippines (click  here  if your country of residence is within the European Union; click  here if your country of residence is not part of the European Union). It offers comprehensive coverage tailored to the specific needs of travellers to this destination.

What the best travel insurance for the Philippines should have: features

The following are essential coverages for this incredible trip, among many others, which will be included in your IATI Backpacker policy (click  here  if your country of residence is within the European Union; click  here if your country of residence is not part of the European Union) ensuring your well-being throughout your adventure:

24-hour assistance in your language

Imagine encountering an accident, illness, or theft and having to seek assistance in a language you are not proficient in. This could lead to a loss of important details and valuable time in critical situations.

With your IATI Backpacker policy, you will always have access to assistance in your language. We can even provide a translator to facilitate communication with doctors and medical professionals if needed. Our assistance services are available round the clock, 24 hours a day, 7 days a week , without any exceptions. We understand that your journey is not complete until you return home, and we want to support you at every step.

Moreover, we will reimburse you for the international call cost if you contact us via phone and provide proof of the call. This ensures that you won’t have to bear the expense of making important contact during emergencies.

Our assistance services are provided to you free of charge, available 24/7, and delivered in your preferred language.

Extensive health care coverage

First-rate medical care can be quite costly in the Philippines, even though travel expenses may not be too high. The country’s major hospitals in cities like Manila, Cebu, or Dumaguete can pose a significant financial burden for tourists.

To address this concern, your IATI Backpacker Philippines insurance offers extensive healthcare coverage, providing a remarkable coverage limit of up to 500,000 euros (yes, half a million euros!) . With this coverage, you can rest assured knowing that you will have access to the finest specialists in the country without having to bear any out-of-pocket expenses.

Adventure sports

The Philippines offers a large number of thrilling adventures that you wouldn’t want to miss. These activities not only bring you closer to nature but also provide the adrenaline rush you seek during a trip like this. From scuba diving in the Coral Triangle and snorkelling among vibrant fish to trekking to the summits of impressive volcanoes, canyoning, kayaking, cycling, and more, the options are endless.

These exhilarating experiences fall under the category of adventure sports , and most standard travel insurance policies for the Philippines do not cover them. However, with the Adventure Sports coverage included in your IATI Backpacker policy , you can fully enjoy these activities and many others.

Moreover, this comprehensive coverage is accompanied by “Search and Rescue” coverage, also included in your policy. This coverage ensures that you can be rescued in extreme situations, with a coverage limit of up to 15,000 euros.

Now you can embrace the country to the fullest, knowing that even your most thrilling adventures will be covered and that you have the necessary support in case of any extreme situations.

No deductibles and you pay nothing out of pocket

Another crucial aspect to consider, often hidden in the fine print, is the presence of excess fees in many travel insurance policies for the Philippines. Do you know what this means? It means that, in the event of a claim, you would be required to pay a certain amount, known as deductibles, before the insurance coverage kicks in. For instance, if you have a deductible of 100 euros, you would have to pay the initial 100 euros for each assistance or claim you make.

To illustrate this, let’s say you have a motorcycle accident requiring multiple treatment and testing visits. With a policy that works with deductibles, you would have to cover the first 100 euros of those expenses out of your pocket.

However, with our travel insurance, there are no deductibles. When you acquire your IATI Backpacker policy, you can travel with peace of mind, knowing that your assistance and claims will be fully covered right from the start, without any out-of-pocket payments required.

No upfront payment for medical assistance

It is also essential to be cautious about certain private insurance policies that require you to pay for all the assistance you receive upfront, only to go through a lengthy and complicated process to get reimbursed. In the unfortunate event of a major incident, travelling with such insurance for the Philippines could result in you being burdened with thousands of euros in bills, potentially requiring you to finance your entire trip.

At IATI, we strive to make things much simpler for you. When you require medical assistance and reach out to us, we will promptly guide you to the nearest medical center that is best suited to handle your case. Upon arrival, the medical center will be prepared for your visit, and you won’t have to worry because we will take care of the cost of the consultation, any necessary tests, hospitalization, and even the recommended medication prescribed by the doctors.

If you are unable to contact us before seeking medical attention due to an emergency, there’s no need to panic. Simply send us the relevant medical bills and reports afterwards, and we will reimburse you as quickly as possible, thanks to your IATI Backpacker policy (click  here  if your country of residence is within the European Union; click  here if your country of residence is not part of the European Union).

Luggage loss and theft included

Although it is a relatively safe country, you can be subject to theft or encounter issues with your luggage anywhere in the world , especially during your trip to the Philippines. IATI Backpacker is the best travel insurance for the Philippines because it provides extensive coverage beyond health. You will have excellent coverage for various situations, including:

• Displacement of a family member: Up to 600 euros.
• Convalescence in a hotel: Up to 840 euros.
• Theft and damage to luggage: Up to 1,500 euros.
• Delay in the departure of transportation: Up to 270 euros.
• Private civil liability: Up to 60,000 euros.

Rest assured that with IATI Backpacker, you will be protected against health-related incidents and other potential issues you may encounter during your trip.

Cancellation option – Cancelling your trip to the Philippines

When purchasing plane tickets, booking accommodations, and arranging excursions or services for your trip, it’s natural to have concerns about what would happen if you had to cancel. You might wonder, “ If I need to cancel my trip to the Philippines, would I lose all the money I’ve invested? ”

At IATI, we have been the leading provider of travel insurance for over 135 years, constantly evolving to meet your needs. As pioneers in the industry, we introduced the Travel Cancellation Supplement. With this option, if you need to cancel your trip for any of the specified reasons, we will reimburse you up to 2,000 euros for expenses that you cannot recover directly from your official suppliers.

This popular add-on, favoured by thousands of travellers, is just one click away when you purchase your international policy for the Philippines.

Philippines Travel Insurance Coverage

As you have just seen, IATI Backpacker is the most comprehensive travel insurance for the Philippines, designed to provide detailed coverage for all aspects of such an adventure.

In this table, you can visually see the figures for the main coverages we mentioned earlier. However, this policy includes many other coverages that you may find interesting, which you can easily review on the IATI Backpacker page (click  here  if your country of residence is within the European Union; click  here if your country of residence is not part of the European Union).

How much does travel insurance to the Philippines cost?

The excellent value for money confirms that this is the best international travel insurance for this destination.

As shown here, the cost represents a small portion of your Philippines travel budget , but it provides significant savings in case you require assistance during your visit.

IATI Backpacker   for residents of the EU:

IATI Backpacker   for non-residents of the EU:

How to hire the best travel insurance for the Philippines

Getting travel insurance for the Philippines through the intuitive menu of IATI is easy. Now that you know that IATI Backpacker is the policy you need, follow these simple steps:

In the menu, you must fill in the following fields:

• The origin of your trip
• The destination of your trip
• Start and end dates of your trip
• Number of travellers
• Type of insurance: travel insurance

After filling in the menu fields and clicking on “Ge a quote”, just choose your IATI Backpacker and click on “Contract”. This is when you can activate the Cancellation Supplement we mentioned earlier, which will cover you if you must cancel your trip  for any of the reasons established in the conditions.

Fill in your data, make the payment and you will receive in your email the details of your contracted travel insurance and the way to contact us if you need any kind of assistance.

Isn’t it super easy to get your insurance to travel to the Philippines?

Useful information for safe travel to the Philippines

Best time to travel to the philippines.

The Philippines has diverse climate zones throughout the country . While July may bring rain to Siargao, it can be a favourable time to visit destinations like El Nido or Coron. When planning your trip and creating an itinerary, it is highly recommended to research the optimal time of year for each specific location you intend to visit.

Health in the Philippines

With the exception of major cities, it is not uncommon to find yourself in low-quality medical facilities if you are unaware of the proper options. Besides, the top-quality and recommended facilities can be expensive for foreigners.

This is why it is crucial to have a comprehensive international medical policy. IATI Backpacker is the best option for the Philippines, providing coverage not only for health-related matters but also for incidents such as theft, flight issues, luggage problems, and more. Don’t hesitate to get it now .

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Travel Insurance for a Trip to the Philippines: A Comprehensive Guide

Travel insurance isn’t just an added expense; it’s an investment in peace of mind. As you plan your Philippine adventure , from the white sands of Boracay to the historic streets of Vigan, ensure you’re well-protected. It’s the one thing you’ll be glad to have but hope you never need.

The Philippines offers a mix of bustling cities, pristine beaches, ancient terraces, and a myriad of cultures and traditions. Whether you’re an adventurer, a beach bum, or a city explorer, the country has something in store for you. But before you immerse yourself in the wonders of the archipelago, it’s essential to be well-prepared, and one crucial step is securing the right travel insurance .

Why Travel Insurance ?

• Medical Emergencies : While the Philippines is generally safe for travelers , one can never predict accidents or illnesses. Medical care, especially in remote areas, may not be up to western standards. Proper insurance can ensure you get the necessary care without huge bills.
• Trip Interruptions : Natural disasters, such as typhoons, earthquakes, and volcanic eruptions, occasionally affect travel plans. A reliable travel insurance policy will offer reimbursement for these unforeseen interruptions.
• Loss or Theft : Like many other tourist destinations, there’s always the potential for lost or stolen belongings. Insurance can help you recover the value of your possessions and get back on track without much hassle.
• Peace of Mind : Knowing you’re protected allows you to immerse yourself fully in your experiences without the looming worry of “what if.”

What to Look for in Travel Insurance :

• Comprehensive Medical Coverage : Ensure it covers hospitalization , outpatient treatment, evacuation, and repatriation. If you plan on engaging in adventurous activities , such as diving or hiking, check if these are covered.
• Coverage for Delays and Cancellations : Flight delays, cancellations, or missed connections can have cascading effects on your itinerary. Ensure your policy compensates for such mishaps.
• Baggage and Personal Belongings Coverage : This should cover not just theft but also damage or loss due to airline errors.
• 24/7 Assistance : Emergencies don’t adhere to business hours. A good policy offers round-the-clock assistance.
• Policy Exclusions : Always check what’s NOT covered. Common exclusions include pre-existing medical conditions, certain high-risk activities , or incidents occurring under the influence of alcohol.

Tailoring Insurance to the Philippine Environment:

• Natural Disasters : The Philippines is situated in the Pacific Ring of Fire, which means it’s prone to earthquakes and volcanic activity . Typhoons also pass through annually. Get coverage that accounts for these possibilities.
• Water Activities : If you’re headed to Palawan , Cebu , or any of the country’s famous beaches, you might engage in diving , snorkeling , or island hopping. Ensure your policy covers water-based activities .
• Remote Areas : If you’re exploring off-the-beaten-path destinations like Batanes or the Cordilleras, ensure your policy includes medical evacuation.

Common Misconceptions:

• “I’m healthy; I don’t need insurance .” : While it’s great to be in good health, accidents or unexpected illnesses can occur.
• “The Philippines is affordable; I can handle any unexpected expenses.” : Medical emergencies or evacuation can quickly become expensive.
• “My credit card offers travel protection.” : Often, these coverages are basic. Review the benefits to ensure they’re adequate for your needs.

Tips for Claiming:

• Documentation : If an incident occurs, document everything. For medical issues, retain all medical records and receipts. For theft, get a police report.
• Prompt Notification : Notify your insurance provider as soon as possible, especially in the case of serious medical emergencies.
• Follow Instructions : Each insurance provider will have a specific claim process. Ensure you understand and follow this to avoid delays or denials.

Recommendations:

While several insurance providers offer excellent policies, a few standout options include:

• World Nomads : Catering especially to backpackers and adventurous travelers , their policies are comprehensive and include a wide range of activities .
• Allianz Travel Insurance : Known for its customer service and comprehensive coverage options.
• SafetyWing : Designed for digital nomads, this is a flexible option with the advantage of being renewable.

Traveling to the Philippines , with its myriad of experiences, promises an unforgettable journey. However, ensuring you’re well-protected against the unexpected is just as crucial as planning the trip itself. Travel insurance not only offers financial protection but also the peace of mind to enjoy your trip to the fullest. Remember, it’s always better to be safe than sorry, and the right travel insurance policy can be your safety net in an unfamiliar land .

Travel is a passion for many, but with the excitement and thrill it brings, there are also unexpected events that can put a damper on the entire experience. This is where the significance of travel insurance comes into play. Especially when considering a trip to a mesmerizing country like the Philippines, with its diverse cultural experiences, spectacular landscapes, and unique activities , it’s vital to ensure that you’re adequately protected against unforeseen situations. This article delves deep into the essence of travel insurance and its significance for anyone journeying to the Philippines.

1. The Underlying Importance of Travel Insurance

• Peace of Mind : Knowing that you are covered against unexpected expenses can grant you the peace to thoroughly enjoy your journey.
• Financial Security : In case of medical emergencies or trip cancellations, travel insurance ensures you don’t have to bear hefty out-of-pocket costs.
• Protection against the Unpredictable : Whether it’s a sudden illness, a missed flight , or lost baggage, having insurance means you’re prepared for the unexpected.

2. Why the Philippines?

Before delving into insurance specifics for this country, understanding its allure can provide context. The Philippines is a blend of diverse cultures, historical landmarks, and breathtaking landscapes. From the serene beaches of Palawan to the bustling streets of Manila , the country offers an array of experiences. However, like any travel destination, it comes with its set of risks and challenges.

3. Specific Risks Associated with Traveling to the Philippines

• Natural Disasters : The Philippines frequently faces typhoons, earthquakes, and volcanic activities . Travel insurance can cover trip interruptions or cancellations due to these events.
• Health Concerns : While the Philippines has modern medical facilities, they are mainly concentrated in urban areas. Travel insurance can help if you need to be evacuated or require immediate medical attention.
• Lost or Stolen Property : Busy areas, especially in major cities, can sometimes be hotspots for pickpocketing or theft. An insurance policy can mitigate the costs of replacing lost or stolen items.

4. Key Features to Look for in Travel Insurance for the Philippines

• Medical Coverage : Ensure that the policy offers comprehensive medical coverage , including hospital stays , medical evacuation, and repatriation.
• Trip Cancellation and Interruption : This feature is crucial in the event you need to cancel or modify your trip due to personal reasons or unforeseen circumstances.
• Lost or Delayed Baggage : Considering the number of island transfers you might undertake, there’s potential for luggage to get misplaced.
• 24/7 Assistance : Always opt for a policy that offers round-the-clock assistance, ensuring help is just a call away, no matter the time zone.

5. Tips for Purchasing Travel Insurance

• Understand Your Needs : Are you indulging in adventure sports? Will you be island hopping? Tailor your policy based on your activities .
• Read the Fine Print : Always go through the policy details, paying attention to exclusions and coverage limits.
• Buy Early : Purchasing insurance as soon as you book your trip ensures you’re covered if you need to cancel beforehand.

The Verdict:

Safe travels, and enjoy the breathtaking beauty, rich culture, and warm hospitality that the Philippines has to offer!

Hello! I'm Wise, a Filipina with a deep love for my country and a passion for sharing its beauty with the world. As a writer, blogger, and videographer, I capture the essence of the Philippines through my eyes, hoping to give foreign visitors a true taste of what makes these islands so special.

From the vibrant streets of Manila to the tranquil beaches of Palawan, my journey is about uncovering the hidden gems and everyday wonders that define the Filipino spirit. My articles and blogs are not just travel guides; they are invitations to explore, to feel, and to fall in love with the Philippines, just as I have.

Through my videos, I strive to bring the sights, sounds, and stories of my homeland to life. Whether it's the local cuisine, the colorful festivals, or the warm smiles of the people, I aim to prepare visitors for an authentic experience.

For those seeking more than just a vacation, the Philippines can be a place of discovery and, perhaps, even love. My goal is to be your guide, not just to the places you'll visit, but to the experiences and connections that await in this beautiful corner of the world. Welcome to the Philippines, through my eyes. Let's explore together!

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Choosing the Right Travel Insurance Company in the Philippines

The importance of travel insurance.

Traveling to different countries and experiencing new cultures is an exciting adventure that many people look forward to. However, it’s essential to be prepared for any unexpected situations that may arise during your trip. One way of ensuring you are prepared for such situations is by having travel insurance.

Travel insurance offers coverage against possible risks such as getting sick or injured during your trip, losing your luggage or personal belongings, and even trip cancellation or interruption. These risks can make your trip more expensive and stressful if you are not adequately covered.

Why it’s Important to Choose the Right Travel Insurance Company

Choosing the right travel insurance company can make or break your travel experience. Imagine getting into an accident during your trip, only to find out that your travel insurance doesn’t cover medical expenses in a foreign country. This could leave you with hefty medical bills and ruin any future trips you had planned.

It’s crucial to choose a reputable and reliable travel insurance company that provides comprehensive coverage at a reasonable price. With so many options available in the Philippines market, selecting the right one can be overwhelming.

It would help if you considered several factors before making a decision. One important factor is considering whether a particular policy suits your specific needs while keeping in mind potential risks associated with traveling—another critical consideration is customer service levels offered by different companies when it comes down to claiming compensation for losses incurred while on vacation.

Taking out travel insurance is not only important but also essential when traveling abroad. It’s equally crucial to choose the right policy that covers all eventualities without breaking the bank so you can have peace of mind while discovering new places around the world!

Top Travel Insurance Companies in the Philippines

Are you planning a trip to the Philippines ? If so, it’s important to choose the right travel insurance company that can provide you with comprehensive coverage during your travels. Here are some of the best travel insurance companies in the Philippines that you should consider for your next trip.

1. AXA Travel Insurance

AXA Philippines is one of the country’s largest and fastest-growing insurance companies, providing financial security to nearly 2 million people through group and individual life insurance, as well as general insurance products.

AXA has over 7,000 financial advisors in over 40 branches and over 900 financial executives in over 900 Metrobank and PSBank branches across the country.

• Enjoy round-the-clock travel and medical assistance anywhere.
• Covers medical expenses such as hospital costs, doctor’s professional fees, and more in case you suffer injury and/or illness during your trip.
• Enjoy the benefit of getting payouts on non-refundable expenses in case of trip cancellation and/or postponement.
• Get protection on your baggage in case of loss or damage.
• Get covered when you suffer death or permanent disablement due to an accident while on a trip.

Learn more…

2. Chubb Travel Insurance

Chubb is the largest publicly traded property and casualty insurer in the world. Chubb, which has operations in 54 countries, offers a wide range of clients commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance, and life insurance.

The company’s extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise, and global-local operations set it apart.

• Quality travel insurance at an affordable price
• Access to a global team of travel experts
• Fast, fair, and efficient handling of claims
• 24hours emergency assistance

3. Etiqa Travel Insurance

Etiqa is an international insurance company that operates primarily in Singapore , the Philippines , Indonesia, and Malaysia. It has an extensive network throughout the Philippines . Access a wide range of insurance products and services from anywhere in the country.

• Flight Assistance Benefit for Flight Delay, Trip Cancellation, Missed Connecting Flight, Baggage Delay, Baggage Loss / Damage Airline and other items in the safekeeping of a common carrier, Loss of Travel Documents, Trip Curtailment, and Aircraft Hijack.
• Medical Assistance Benefits such as Hospital Income, Medical and Hospitalization Expenses, Delivery of Medicines, Emergency and Accidental Dental Expenses, Repatriation of Mortal Remains, Arrangement for Funeral Assistance, Medical Evacuation or Repatriation, and Compassionate Visit.

4. Insure Shop by Pioneer

Pioneer’s InsureShop enables you to obtain insurance as soon as you need it. As Pioneer Insurance’s digital arm, InsureShop makes it simple and convenient for you to obtain affordable and dependable travel insurance, motorcycle insurance, and medical cash assistance anytime, anywhere.

• Medical treatment with (New!) COVID-19 coverage, personal accidents, emergency evacuation, and more
• Cash assistance for every 6 hours of delay on your travel
• Baggage delay, damage, and loss

5. Pacific Cross Travel Insurance

Pacific Cross is a market leader in medical, travel, health maintenance organization, and personal accident insurance. Pacific Cross is based in the Philippines and has sister companies in Thailand, Indonesia, and Vietnam.

It is part of a larger group of health insurance companies that operate throughout Asia, with a particular focus on the ASEAN region. The group’s goal is to be known as a market leader and Asian specialist in medical and travel insurance.

• 24/7 Worldwide Emergency Assistance
• Medical Coverage, including for COVID-19
• Cashless Medical Treatment for Hospital Confinement, Out-Patient, and Emergency Room
• Peso, Dollar, and Euro Plans
• Individual, Family, and Group Coverage
• Coverage for persons aged 15 days old to 76 years old and above
• Coverage for Inbound Travels with COVID-19 Coverage
• Coverage for baggage loss, loss of travel documents, flight delay, and much more

6. Malayan Insurance Travel Master

Malayan Insurance Co., founded in 1930, is a leading non-life insurance company in the Philippines . It provides clients and the general public with guaranteed peace of mind through service excellence, quality protection, and the prompt processing and settlement of valid claims.

• Personal Accident
• Emergency Medical Treatment
• Personal Liability
• Recovery of Travel Expenses
• Travel Inconvenience Benefits
• Travel Assistance Benefits
• Cashless Hospitalization

7. Standard Insurance Travel Protect

Standard Insurance is a non-life insurance company that protects you, your family, your assets, your business, and any potential liabilities. For the past 63 years, Standard Insurance has provided insurance protection.

Travel International

• Cashless Settlement
• Wide variety of benefits and coverages
• Up to  Php 2.5M  cover the medical expenses and personal accident benefits
• Provides coverage for accident-related claims and covered illness/sickness
• Applicable to individuals and groups of travelers
• Duly accredited by Embassies of all Schengen States
• Pay conveniently using your Credit card, debit card, and Gcash

Travel ASEAN

• Reimbursement type of settlement.
• Up to Php 500,000 limit on medical expense benefit.
• Provides coverage within the Philippines and to ASEAN countries.
• Discounted rates for group travelers.
• Premium payment convenience through credit cards and debit cards.

8. MAPFRE Travel Insurance

MAPFRE Insurance is a non-life insurance company that provides general insurance for financial security and risk management. The company offers fire and allied lines insurance, as well as motor vehicle, personal accident, casualty, liability, engineering, marine cargo, surety, and micro insurance.

MAPFRE Insurance, founded in 1934, is now ranked among the top ten non-life insurance companies in terms of earned premiums, net premiums written, and assets. The company is also among the best capitalized and most solvent in the country’s non-life insurance industry.

International Travel Assist Insurance

• Peso-denominated travel insurance provides protection and coverage for your trips within the Philippines with a maximum period of coverage of 90 days. No extension is allowed. Adults between 60 to 75 years old may be covered subject to a premium surcharge.

Domestic Travel Assist Insurance

• ​Dollar-denominated travel insurance provides protection and coverage for your trips around the world with a maximum period of coverage of up to 365 days or 1-year coverage. No extension is allowed. Adults between 60 to 75 years old may be covered subject to a premium surcharge with a maximum allowed number of 90 days only for all plans.

Benefits and Coverage Offered by Travel Insurance Companies

Medical expenses coverage.

One of the most important benefits of travel insurance is medical coverage. This type of coverage will provide you with financial protection in the event that you require medical attention while traveling.

Most travel insurance policies cover medical expenses such as doctor fees, hospitalization charges, and emergency medical treatment. Some policies may also cover pre-existing conditions, so be sure to check with your provider beforehand.

Trip Cancellation and Interruption Coverage

Trip cancellation and interruption coverage is another important benefit offered by many travel insurance companies. This type of coverage will reimburse you for any non-refundable expenses if your trip is cancelled or interrupted due to unforeseen circumstances such as illness, injury, or death in the family. Examples of covered expenses may include flights, hotel reservations, rental cars, and tour fees.

Emergency Medical Evacuation Coverage

Emergency medical evacuation coverage is particularly important if you plan on traveling to remote locations or participating in adventure sports. This type of coverage will provide financial protection for emergency transportation services should you require it. For example, if you are injured while hiking in a remote area and need to be airlifted to a hospital for treatment, your policy may cover these costs.

Baggage Loss or Delay Coverage

Losing your baggage or experiencing delays can be a frustrating experience when traveling. Fortunately, many travel insurance policies offer baggage loss or delay coverage to help ease the burden. This type of coverage typically reimburses you for any lost items or covers expenses associated with delayed bags such as purchasing new clothes or toiletries.

Coverage Limits

It’s important to note that there may be limits on the amount of coverage provided for each benefit listed above. For example, your policy may only cover up to a certain amount for medical expenses or baggage loss. It’s important to read the policy carefully and understand the limits of your coverage before purchasing.

Travel insurance can be a lifesaver when unexpected incidents occur while traveling. The benefits and coverage offered by travel insurance companies can vary widely, so it’s important to choose a policy that fits your needs and budget.

Be sure to research your options thoroughly and read reviews from previous customers before making a decision. With the right travel insurance policy in hand, you can embark on your travels with peace of mind knowing that you are protected.

Factors to Consider When Choosing a Travel Insurance Company

Choosing the right travel insurance company can be overwhelming, especially if you’re not familiar with the different factors that you need to consider. Here are some of the most important things to keep in mind when choosing a travel insurance company in the Philippines .

The price of a travel insurance policy is one of the most important factors that people consider when choosing a provider. While it’s tempting to only look at the cheapest options available, it’s important to remember that cheaper isn’t always better. It’s crucial to make sure that your policy provides enough coverage for your needs and budget.

You can compare prices from different providers by using an online comparison tool. Keep in mind that some providers offer discounts or promotions, so it’s worth taking the time to research and compare.

The amount of coverage provided by your policy is another essential factor when choosing a travel insurance company. Look for policies that provide adequate coverage limits for medical expenses, trip cancellations, emergency medical evacuations, and baggage loss or delay.

It’s also important to read through the fine print and understand what specific situations are covered under your policy. Some policies may exclude certain activities such as extreme sports or pre-existing conditions, while others may have higher deductibles or co-pays.

Customer Service

The level of customer service provided by your travel insurance company can make all the difference when you’re dealing with an emergency situation abroad. Look for companies that have 24/7 customer support and offer assistance in multiple languages. You can also read reviews from previous customers online to get an idea of how responsive a provider is when it comes to claims processing or addressing customer concerns.

Another important factor to consider is whether the company has a local representative in the Philippines who can assist you in case of an emergency. This can be especially helpful if you’re not familiar with the local healthcare system or need help navigating a difficult situation.

The Bottom Line

When choosing a travel insurance company, it’s important to consider more than just the price. Look for policies that provide adequate coverage for your needs, have good customer service, and offer peace of mind while you’re traveling.

Remember to read through the fine print and understand exactly what your policy covers and excludes. By doing your research and comparing different providers, you’ll be able to choose one that fits your needs and budget.

Tips for Buying Travel Insurance in the Philippines

Research thoroughly before purchasing.

When it comes to purchasing travel insurance, you want to make sure that you’re getting the best policy for your needs. Take some time to research different companies and their policies before making a final decision.

Look at their coverage options, prices, and customer reviews. Make sure you understand what is covered under each policy.

Some policies may have exclusions or limitations on certain types of activities or destinations . It’s important to know what is and isn’t covered so that you can choose the right policy for your trip.

Read Reviews from Previous Customers

One of the best ways to get an idea of how good a travel insurance company is is by reading reviews from previous customers. Search online for reviews on different travel insurance companies and read through them carefully.

Look for reviews from customers who have had similar experiences or trips to yours. If someone had a positive experience with a particular company, it’s usually a good sign that they will provide good service for your trip as well.

Choose a Policy that Fits Your Needs and Budget

When choosing a travel insurance policy in the Philippines , it’s important to find one that fits both your needs and budget. Consider factors such as trip duration, destination, activities planned, and any pre-existing medical conditions.

Make sure you’re not paying for coverage you don’t need or won’t use. It’s also important to consider the deductible amount – this is the amount you’ll have to pay out-of-pocket before your insurance kicks in.

Remember that cheaper isn’t always better when it comes to travel insurance. Make sure you’re getting adequate coverage at a price point that works for you.

Additional Tips:

– Look into any existing insurance coverage you may already have (such as through your credit card or employer) to see what’s already covered.

– Consider purchasing travel insurance as soon as you book your trip to ensure maximum coverage.

– Don’t be afraid to ask questions or clarify any concerns before purchasing a policy.

In conclusion, purchasing travel insurance is an essential part of planning any trip. The best travel insurance companies in the Philippines listed above offer comprehensive coverage and benefits that can protect you against unexpected events and give you peace of mind while traveling. As travel continues to evolve, it’s vital to stay protected and informed about the latest travel policies and regulations. We hope that this list of the best travel insurance companies in the Philippines will help you make an informed decision and provide you with the protection you need to enjoy your travels to the fullest. Remember, by investing in travel insurance, you’re not only protecting yourself but also your loved ones and your investment in your travel experience.

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How to Find the Best Travel Insurance

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards that offer varying levels of travel insurance coverage for purchases made with the card.

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance?

How much is travel insurance?

Is travel insurance worth it?

What does travel insurance cover?

Does travel insurance cover COVID?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Travel worry-free for as low as ₱136 and get covered up to ₱100,000 for any domestic destination!

Travel Insurance with optional Covid-19 Coverage now available!

Travel Insurance Plan

Designed to protect you against unforeseen events while travelling., at a glance.

Travel Assistance Plan is designed to protect you against unforeseen events while travelling. It protects you against flight cancellation, medical emergency, emergency accommodations or vehicle accidents.

Eligibility and Coverage

●   Individuals and families from 0 to 80 years old may avail.

● Additional Covid Coverage for individuals and families ages 0-65 years old available for International Travel only.

● Coverage will start 24 hours before the date of departure and 24 hours after arrival date.

Calculate Your Premium

Total Premium:

Flight Assistance Benefit

Flight Delay

covers the expenses for meals, tours and accommodation in the event the trip is delayed at least six(6) hours.

Trip Cancellation

covers to pay the unused and non-refundable portion of travel, accommodation expenses and tours in case that the insured can no longer proceed with the trip due to unforeseen events indicated in the policy.

Missed Connecting Flight

covers the reimbursement of the expenses incurred due to acts of nature or intervention by the Authorities up to the limit indicated in the policy during the trip.

Baggage Delay

covers the expenses for the purchases of the basic clothing and toiletries in case of the delay of the luggage during the trip minimum of six(6) hours.

Baggage Loss / Damage Airline and other items in safekeeping of a common carrier

covers for loss, stolen or damaged baggage of the insured incurred during the trip indicated in the plan.

Loss of Travel Documents

covers the cost to replace the new Passport or documents as well as the accommodation expenses indicated in the policy.

Trip Curtailment

covers the expenses of the unused portion of the tour or accommodation if the trip needs to be terminated due to the unavoidable events indicated in the policy.

Aircraft Hijack

covers to pay the insured to the delay or interruption (minimum of 12 hours waiting period maximum 10 days as a result of aircraft hijacking.

Medical Assistance Benefit

Hospital Income

covers to pay the assured of a fixed amount indicated in the plan for each day of confinement minimum of 18 hours.

Medical and Hospitalization Expenses

including follow-up treatment covers the payment of hospital expenses in case of medical emergencies during the trip up to the limit indicated in the policy.

Delivery of Medicines

covers the delivery of the medicines prescribed urgently by a doctor to the insured during the trip.

Emergency and Accidental Dental Expenses

covers the necessary emergency dental treatment of the insured during the trip.

Repatriation of Mortal Remains

covers the necessary arrangements for the insured's transport or repatriation of mortal remains to the usual country of residence during the trip in case of death.

Arrangement for Funeral Assistance

provides financial assistance for funeral expenses of the insured's family due to insured's death caused by accident up to the limit indicated in the policy.

Medical Evacuation or Repatriation

covers to pay the transfer or repatriation of the insured to a properly equipped health center or to his/her usual place of residence.

Compassionate Visit

covers the expenses for the transfer of a person chosen by the insured from the usual country of residence in the event that the insured is hospitalized as an in-patient for more than five(5) consecutive days as a result of injury or sickness during the period of the trip.

Other Benefits

Assistance of bail bond payment.

It covers to advance funds on behalf of the insured up to the policy limit.

Personal Liability

It covers the damages and expenses incurred by the insured for bodily injury and property to third parties.

Personal Accident and Disablement

It covers any accidental injuries or death suffered by the insured during the travel.

Child Guard

It covers the expenses for the economy round trip transfer of one immediate family member, having the same country of residence as the insured, to look after the minor during the trip should the insured be hospitalized for more than five (5) consecutive days or is deceased, and accompanied by a minor during the event and if no adult accompanies said minor.

Advance of Money

It covers the assistance to arrange to forward cash up to the limit indicated in the plan in the event of the robbery, loss or stolen of cash or credit cards and accidents.

View Your Policy

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Travel Insurance Philippines: Best Picks for Filipinos Traveling Abroad

Guide on travel insurance policies in the philippines for pinoys going abroad.

TRAVEL INSURANCE PHILIPPINES – Here are the best picks for Filipinos traveling abroad who want to get an insurance policy.

There are Filipinos who frequently travel abroad. Some do this for business purposes while others do it for leisure or to visit their loved ones who are based in other countries. These individuals usually take a travel insurance for their safety and protection.

A travel insurance is a type of policy that safeguards the insured during the traveling. It may also give a lump sum to the family or beneficiaries of the insured in case an accident takes place that result to the death of the person.

You can check the guide below for the best travel insurance companies or offers in the Philippines.

Based on an article on Grit, here are the best travel insurance companies and offers in the Philippines:

World Nomads

This insurance company offers its services worldwide. It is based in Sydney, Australia and many Filipinos turn to it for its “active” insurance features that include the following:

• Pain relieving dental treatment                     
• Prescribed medicines by a doctor or specialist                     
• Daily emergency cash allowance in hospital                     
• Hospitalization or treatment by a doctor or specialist                     
• Physiotherapy or chiropractic treatment                     
• Treatment by acupuncture or osteopath                     
• Counseling after an assault or mugging                     
• Sports & adventure activities                     
• Study, work and volunteer

AXA iON – Smart Traveler

The AXA iON is another insurance company that offers its travel insurance policies worldwide. It offers a comprehensive list of options for those who want to purchase a policy including the following choices:

• Personal accident
• Medical Expenses
• Emergency Medical Evacuation and Repatriation
• Travel Inconveniences
• Personal Belongings
• Other Benefits (Personal liability, hijacking, kidnapping, funeral and burial expenses)

AIG Travel Guard

The AIG Travel Guard, one of the best travel insurance offers in the Philippines, also has a worldwide service coverage. Based on the article, its policy has the following coverage:

• Medical expense
• Medical evacuation
• Repatriation expense
• Child Guard
• Compassionate visit
• Baggage delay
• Trip cancellation
• Trip termination
• Baggage and personal effects
• Flight delay
• Loss of travel documents
• Personal liability

Fortune General

The Fortune General also offers its services worldwide. This travel insurance company which is one of the best in the Philippines offers policies that cover Asia, Schengen in Europe, and several other countries around the world.

Its travel insurance policy coverage includes the following:

• Accidental benefit
• Medical expense and hospitalization
• Medical evac or repatriation
• Emergency Dental Care
• Repatriation of Family Member
• Repatriation of Mortal Remains
• Compassionate Emergency Visits
• Compassionate Emergency Return
• Care for Minor Children
• Flight Delay
• Missed connecting flight
• Trip diversion
• Strikes and aircraft hijacking
• Emergency trip cancellation
• Emergency trip termination
• Personal belongings and baggage
• Other services

Pacific Cross

One of the companies that offer affordable travel insurance companies is the Philippine-founded firm Pacific Cross. It extends its services worldwide and its offer’s coverage includes the following:

• In-patient and Out-Patient care
• Emergency dental treatment
• Emergency room availment and in-patient reimbursement for pre-existing conditions
• Recreational activities
• Recreational extreme sports
• Implants coverage necessitated by a covered accident
• Hospital income
• Funeral and burial expenses
• Land vehicle rental excess protection

Thank you for visiting Philnews.ph. You may express your thoughts and reactions below through the comment section. You may also follow us on  Facebook , on  Twitter , and subscribe to our YouTube channel  Philnews Ph .

Aside from the travel insurance, another type of policy is the life insurance. To check on the top offers and providers of this type of insurance policy, you may visit — Life Insurance Philippines 2023 — Top 10 Insurance Companies in PH .

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U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

9 Best Travel Insurance Companies of April 2024

According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.

Travelex Insurance Services »

Allianz Travel Insurance »

HTH Travel Insurance »

Tin Leg »

AIG Travel Guard »

Nationwide Insurance »

Seven Corners »

Generali Global Assistance »

Berkshire hathaway travel protection ».

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance

Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.

• Travelex Insurance Services: Best Overall
• Allianz Travel Insurance: Best for Trip Interruptions
• HTH Travel Insurance: Best for Groups
• Tin Leg: Best Cost
• AIG Travel Guard: Best for Families
• Nationwide Insurance: Best for Last-Minute Travel Insurance
• Seven Corners: Best for 24/7 Support When Traveling
• Generali Global Assistance: Best for Medical Emergencies
• Berkshire Hathaway Travel Protection: Best for Specialized Coverage

Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage

Medical and trip cancellation maximum are not as high as some other companies

• 100% of the insured trip cost for trip cancellation; 150% for trip interruption
• Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
• $750 in missed connection coverage
• $50,000 in emergency medical and dental coverage
• Up to $500,000 in emergency medical evacuation and repatriation coverage

SEE FULL REVIEW »

Annual and multitrip policies are available

Distinguishing between the company's 10 travel insurance plans can be challenging

• Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
• $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
• Up to $1,600 for travel delays
• Emergency medical coverage of up to $75,000
• Epidemic coverage

Generous coverage at the mid- and high-tier levels, and great group discounts

Preexisting conditions coverage is only available at mid- and high-tier plans

• 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
• Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
• Up to $2,000 in coverage for trip delays; $1,000 for missed connections
• $500,000 in coverage per person for sickness and accidents

Variety of plans to choose from, including two budget-friendly policies and several more premium options

More limited coverage for baggage issues than other companies

• 100% trip cancellation protection; 150% trip interruption
• $500 per person for lost, stolen or damaged baggage and personal items
• Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
• $100,000 per person in emergency medical coverage, including issues related to COVID-19

Travel insurance policy coverage is tailored to your specific trip

Information about policy coverage inclusions is not readily available without first obtaining a quote

• Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
• Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
• Up to $1,000 in missed connection and trip delay coverage
• $100,000 in emergency medical coverage

Variety of plans to choose from and coverage available up to a day before you leave on your trip

Limited trip cancellation coverage even at the highest tier

• Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
• $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
• Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
• $150,000 for emergency medical and dental issues

Customer service available 24/7 via text, Whatsapp, email and phone

Cancel for any reason coverage costs extra

• 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost 
• Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
• Trip delay and missed connection coverage worth up to $1,500
• Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)

Generous emergency medical and emergency evacuation coverage

Coverage for those with preexisting conditions is only available on the Premium plan

• 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
• $2,000 in coverage for loss of baggage per person
• $1,000 per person in travel delay and missed connection coverage
• $250,000 in medical and dental coverage per person

In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage

Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan

• Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
• $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
• Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
• Medical coverage worth up to $50,000

To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.

Travel Insurance Types: Which One Is Right for You?

There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:

COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .

Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.

Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .

International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.

Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .

Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.

Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.

Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.

Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.

You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .

Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.

Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.

Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .

Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express . 

Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.

Frequently Asked Questions

The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.

Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.

However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.

Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:

• TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
• InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.

Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .

When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.

Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.

Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.

If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.

Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.

Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.

The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.

You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.

Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Philpad » Money » Top 15 Best Insurance Companies in the Philippines (Must Have in 2024)

Top 15 Best Insurance Companies in the Philippines (Must Have in 2024)

Everyone needs life insurance, but not all insurance companies are created equal. Some are better than others at providing coverage, affordable premiums, customer service, and overall value.

So, which ones should you consider when you’re shopping for a policy?

According to the data released by the Insurance Commission of the Philippines , there are a few insurers that stand out from the rest. Are you wondering which ones made the cut? Keep reading to find out!

The rank is based on the total invested assets of life insurance companies in the country. This post will also outline some of the most important factors you should consider when choosing an insurer and why you must get life insurance.

Table of Contents:

What is insurance?

Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses in the event of an accident, theft, or other unexpected occurrences. There are many different types of insurance, each one providing coverage for a specific event.

Types of Insurance Offered in the Philippines:

• Life insurance – protects you and your family financially in the event of death
• Health insurance – covers medical expenses and sickness benefits and is usually tied up with accredited HMOs
• Car insurance – pays for damage and repair costs of vehicles

Benefits of getting a life insurance policy:

Additional funds for retirement.

Most insurance providers in the Philippines offer universal and variable life insurance products with investments. These can generate income over time and can be valuable to your retirement savings in the future.

Financial security

Life insurance can provide financial security for your loved ones in the event of your death. Your beneficiaries will also avoid losing too much money paying for estate taxes because the cash benefit due to the insured’s untimely death will be a huge sum.

Peace of mind

If you’re looking for a way to safeguard your family’s future, getting an insurance policy is wise because it can provide financial assistance if you become disabled and cannot work due to chronic illness.

Top 15 Best Insurance Companies in the Philippines to Have in 2024

1. sun life.

Sun Life of Canada (Philippines), Inc. is the number one life insurance company in the Philippines in terms of invested assets – traditional and variable life insurance. It offers a wide range of health, life protection, and wealth management products that cater to individual and institutional clients’ unique needs.

Best things about Sun Life Insurance:

Strong reputation.

Sun Life is one of the world’s leading insurance companies. Founded more than 150 years ago, it’s solid proof that it’s a name you can trust.

Friendly financial advisors

Their agents are well-trained and not intimidating. They will discuss everything with you about your insurance policy, benefits, premiums, and coverage suitable to your needs and budget.

Sun Life promotes financial literacy

As part of its mission to help its clients achieve financial goals, Sun Life offers webinars and workshops about investing, financial planning, and risk management.

Supports charitable projects

The Canadian company is committed to giving back to the community. It always supports numerous charitable projects in the Philippines and abroad.

You may find this article helpful, “ Top 5 Reasons Why I Got Sun Life VUL. ”

2. AIA Philippines

AIA Philippines American Life and General Insurance Company, Inc. is formerly known as Philam Life . It is a subsidiary of AIA Group . The largest independent publicly listed pan-Asian life insurance group in the world today. Aside from life insurance, AIA offers its clients health insurance, education plans, and retirement solutions.

Best things about AIA Philippines:

Trusted brand.

AIA is among the most respected and trusted names in the Philippine life insurance industry. It serves approximately 800,000 individual policyholders and 800,000 insured group members.

State-of-the-art platform

AIA Philippines’ digital platform is among its excellent features. Employees can use the Agora app to view coverage, find medical providers, and simplify availments.

Online Inquiry

Whether you plan to retire comfortably, save for your child’s education, protect your business and employees, live healthier and longer, or prepare for health-related setbacks and life’s uncertainties, you can use the clever interface of AIA website.

3. Pru Life UK

Pru Life Insurance Corporation of UK is one of the top insurance companies in the Philippines. It is a subsidiary of Prudential PLC, one of the world’s leading financial services groups. Pru Life UK was established in the Philippines in December 1996 and is currently one of the fastest-growing life insurance companies in the country.

Best things about Pru Life UK:

It reminds us to be always prudent. Pru Life UK is backed by Prudential, one of the biggest and most liquid companies in the United Kingdom. Stability and growth are essential when choosing the right insurance company to ensure successful benefits claims.

Reliable products

Pru Life UK offers term insurance, health insurance, accident and disability plans, and an investment-linked life insurance policy, which allows policyholders to invest a portion of their premiums in investment funds.

Best-performing investment funds

Some of the Philippines’ best performing equity index tracker funds are from Pru Life UK Investments, including PRUInvest PH Equity Index Tracker Fund Class I and Class V.

4. AXA Philippines

AXA is among the most popular insurance providers in the Philippines. It is a subsidiary of AXA Group , a giant insurance and asset management firm in France . AXA offers life and general insurance products for almost 2 million individuals.

Best things about AXA Philippines:

Solid company.

AXA Group is one of the wealthiest companies in Europe. If you’re looking for the best insurance, you can depend on AXA to get you covered. AXA’s solvency ratio was 235% at the half-year of 2023.

Excellent customer service

It’s easy to open an insurance policy with AXA because its financial advisors and executives are in Metrobank and PSBank branches all over the Philippines.

Advanced Technology

We appreciate AXA’s technology. AXA has a brilliant mobile app called Emma, where we can fast-track our account value, view our policy, and pay online. Clients can also pay their premiums using GCash.

Insular Life Assurance Company, Limited (InLife) is the first and largest Filipino life insurance company in the Philippines. It was founded in 1910 and provides financial protection, savings, investments, and retirement plans to Filipinos. InLife reported PHP9.35 billion in gross benefits and claims paid in 2022.

Best things about Insular Life:

Proudly filipino brand.

Insular Life wears the crown of being the pioneer and largest Filipino-owned Life insurance firm. Securing the Filipino people has been a never-ending commitment of InLife for over a century.

Thoughtful portfolio

Since InLife has been around for so long, they know what their customers want and need. InLife has a wide array of insurance and investment products. I like their Prominence Max which requires only a 100,000 minimum annual payment, and its potential to grow funds through stock and bonds investments.

Even though they’ve been around for over 100 years, they’re not stuck in their ways. They’re always looking for new technology to serve their customers better, whether developing new products or improving their existing ones. This commitment to innovation is one of the things that has kept them relevant for so long.

6. Manulife

Manulife Philippines is a subsidiary of Manulife, a Canadian company founded in 1887 that is now one of the world’s biggest insurers. Manulife Philippines was established in 1907. It offers insurance, group plans, and investment management.

Best things about Manulife Philippines:

Financially stable.

With over 130 years of experience, you can rest assured that your funds and claims are in good hands. Its parent company reported a 3Q23 net income of $1 billion and Global Wealth and Asset Management net inflows of $3.6 billion.

Top-notch customer service

Customer support is friendly and accommodating. Besides, the company has 9,350 Insurance Commission-Licensed agents who always quickly assist their clients.

They give back to the community

Manulife is committed to making a difference in the lives of Filipinos and regularly partners with NGOs to provide financial assistance and other forms of support to those in need. It donated 150,000 seedlings to Haribon’s Forests for Life Movement in the Philippines.

BPI AIA Life Assurance Corporation is a business partnership between two well-known financial companies in the Philippines: AIA Philippines and the Bank of the Philippine Islands (BPI).

Best things about BPI-AIA:

Two brands in one.

Two giant companies merging their strength will result in more power. Since BPI is one of the Philippines’ most prominent banks and AIA Philippines is one of the biggest insurance firms, their clients will benefit from this venture.

Easy Access

Clients can build and secure their wealth using both AIA and BPI platforms. Getting insured and opening investments can be more accessible at your fingertips with your BPI bank account linked to AIA products of your interest.

8. BDO Life

BDO Life Assurance Company, Inc. is the insurance business segment of BDO Unibank, the Philippines’ largest bank in terms of assets, deposits, capital, and loans. It offers comprehensive insurance coverage, education, savings, retirement, and estate planning.

Best things about BDO Life:

Wide market reach.

BDO Life is among the newest insurance providers in the Philippines. Yet, it has a vast addressable market since BDO Unibank got the most bank account holders and the highest number of branches across the Philippines. BDO account holders can easily open an insurance policy through BDO bank channels.

Straightforward products

BDO Life provides simplified insurance and investment plans suitable for each client. The brochures are pretty straightforward, and you don’t need to be confused about what you’ll pay and receive when your policy matures and in times of uncertainty.

9. Allianz PNB Life

Allianz PNB Life Insurance, Inc. is a strategic partnership between the Philippine National Bank and Allianz Group , a giant financial company in Germany . It’s also among the fastest-growing life insurance firms in the Philippines.

Best things about Allianz PNB Life:

Reputable brand.

Allianz is one of the biggest financial firms in Europe and the world, while PNB is among the top banks in the Philippines. Allianz PNB Life can assure every client’s needs, and claims will always be served with satisfaction.

Outstanding funds

When it comes to providing excellent investment funds, Allianz is an expert in wealth management. Filipinos can now invest in blue-chip international companies while also being insured. I did just that when I invested in Allianz PNB Dollar Income and Growth Dividend Paying Fund .

Fast to Open

Filipinos can avail the incredible investment funds of Allianz at any PNB branch nationwide. Having a PNB mobile app is also beneficial for paying our premiums at any time.

10. Manulife China Bank Life

Manulife Philippines has partnered with China Bank to launch Manulife China Bank Life Assurance Corporation, a financial platform offering outstanding insurance products to individuals and groups.

Best things about Manulife China Bank Life:

One-stop-shop.

Manulife and China Bank synergy provides a collection of innovative insurance products and services in one platform. This is especially advantageous for China Bank clients who want to explore more investment opportunities and add protection.

Link your China Bank account

Link your China Bank account and pay your premiums. You can also add funds to your chosen investments connected to your insurance plans.

11. Sun Life Grepa Financial

Sun Life Grepa Financial is a business alliance between Sun Life Philippines and the Yuchengco Group of Companies. YGC, a massive Philippine conglomerate, also owns RCBC, a famous banking empire.

Best things about Sun Life Grepa Financial:

Prominent funds.

Clients have the privilege to avail Sun Life’s insurance and investment products. You can link your insurance with Sun Life’s famous bonds, equity, index, and global growth funds.

Open at RCBC

We can avail or inquire about Sun Life Grepa Financial’s insurance and investments at any RCBC branch.

12. FWD Philippines

FWD Philippines is a subsidiary of FWD Group , a Pan-Asian life insurance firm launched in 2013. FWD Group has over 10 million customers across Hong Kong, Macau, Japan, Thailand, Philippines, Indonesia, Vietnam, Singapore, Malaysia, and Cambodia.

Best things about FWD Philippines:

Customer focus.

FWD is a new kid on the block among other major insurance companies in the Philippines, yet it’s already in the top 5 in Southeast Asia by new business sales. Their products are easy to understand, and they adopt a cloud-based platform to serve their clients faster and better.

Partnership with Security Bank

FWD Philippines has a long-term partnership with Security Bank. Hence, clients can open an insurance account in any Security bank branch. FWD is also affiliated with Cebuana Lhuillier, Intellicare, Lazada, Marsh Philippines, and The Medical City.

13. Cocolife

United Coconut Planters Life Assurance Corporation (Cocolife) is the largest Filipino-owned stock life insurance firm and the first company of its kind to be ISO-certified. It’s also among the best healthcare program providers in the country.

Best things about Cocolife:

Related business segments.

Cocolife’s subsidiaries include Cocolife Asset Management, Ultra Security Services, Cocogen Insurance, and Cocoplans.

Well-explained products

Cocolife demonstrates its products with sample cases that discuss future value and benefits. Most of them also include explainer videos.

14. Pioneer Life

Pioneer Insurance was founded in 1954 in Binondo, Manila. It has been serving and protecting Filipinos for over 50 years now. Pioneer has built a trusted life insurance name, providing individual and group insurance solutions.

Best things about Pioneer Life Insurance:

Unique products.

Pioneer Insurance offers life and non-life insurance. Likewise, it provides special protection like cyber insurance, drones/UAVs, fine arts, prize indemnity, golf, film, travel, and events insurance.

Affordable premiums

The premium is one of the most important considerations when choosing a life insurance policy. Fortunately, Pioneer Life Insurance offers very affordable premiums, which makes their policies within reach for many people.

15. EastWest Ageas Insurance

EastWest Ageas Insurance is a strategic alliance between EastWest Bank, one of the Philippines’ leading banks, and Ageas, Belgium’s largest insurance firm .

Best thing about EastWest Ageas Insurance:

World-class platform.

EastWest Ageas was established in 2015, yet it’s the first insurance company in the world to have an “end-to-end integrated IT platform in the cloud.” Its technology is more advanced than some other assurance companies in the country.

Open at EastWest Bank

Opening an account is seamless because their platform is blazing fast. Besides, interested clients can open their accounts nationwide in any EastWest bank branch.

Final thoughts:

Insurance is a vital part of financial planning. We should always expect the unexpected. Insurance policy can give us peace of mind in knowing that our loved ones and we are financially protected in an emergency.

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Fehl is the founder of Philpad. She has a degree in Accountancy and a background in Finance. She is a licensed Career Service Professional and author of a poetry book at Barnes & Noble. In her spare time, she likes to travel and vlog.

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Top Travel Insurances for the Philippines You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Known for its stunning beaches, lush rainforests, and vibrant culture (including the famous Ati-Atihan Festival and Sinulog Festival), the Philippines is a great destination for travellers from abroad. Although travelling to the Philippines can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to the Philippines and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Philippines Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for the Philippines:

Best Travel Insurances for the Philippines

• 01. Should I get travel insurance for the Philippines? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to the Philippines scroll down

Heading to the Philippines soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for the Philippines?

No, there's currently no legal requirement to take out travel insurance for travel to or through the Philippines.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to the Philippines or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for the Philippines:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to the Philippines. It lets you choose between various plans tailored to meet the specific needs of your trip to the Philippines, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for the Philippines:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to the Philippines? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to the Philippines

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for the Philippines. However, we strongly encourage you to do so anyway, because the cost of healthcare in the Philippines can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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7 best fast chargers for all your devices in UAE, for 2024

Best buys electronics.

Recharge laptops and smartphones in minutes with powerful, speedy charging bricks

When you purchase a new smartphone, you might notice something unusual: the box is missing a charger.

These days, companies like Samsung and Apple are deliberately excluding USB phone chargers when they sell smartphones, in an attempt to curb e-waste. One charging adapter can be used to power multiple devices, after all. So, if you already charge your tablet or laptop with a USB Type-C charger, it is likely to work just as well for your new smartphone.

But since you’re not getting one right out of the box, it’s up to you to carefully consider your options and budget, and buy a charging brick that meets your requirements.

We spoke with Rinky Rajan, product manager at Newcom (@newcommea on Instagram), a Dubai-based IT distribution company. For those who carry multiple gadgets, she advised: “A larger, multi-port charging brick is better than carrying numerous one-port bricks as they typically offer sufficient wattage power and capabilities.”

However, she cautioned that such bricks tend to be heavier, so they’re not ideal for travel. She added: “Many of these multi-port chargers do not offer the maximum charging power for larger devices, so for someone who wishes to charge their laptop with 150W power, it might be better to keep a separate laptop charger with them.”

In the market right now, there exist 18W (and under) chargers that are primarily designed for smartphones. Then, there are 20W to 30W chargers that are suitable for tablets, and 65W (or higher) chargers that can handle thin or light laptops. There are also chargers with an output of 100W or more, which can handle simultaneous charging for multiple gadgets, even high-performance laptops.

So, do you need a fast charger just for your phone, or would you use it to recharge your tablet and laptop, as well? Do you need a charging brick with many ports? Or a first-party phone charger (like the one supported by OnePlus phones), which would be much faster than standard USB power delivery?

No matter what kind of charging brick you’re looking for, our expert advised us on the best picks for you. Scroll down to read her advice. We’ve curated a list of the best options out there, right now, based on her recommendations, as well as top ratings and user reviews. Pick the one you need, with Amazon Prime and juice up all your devices as early as tomorrow.

1. Best Overall: Targus PowerElite 100W GaN Charger 

• Charge up to four devices simultaneously
• GaN technology
• Comes with international plugs
• Folding prongs for portability

Rajan’s top recommendation is Targus’ PowerElite, for three reasons: “It is compact, compatible with various international plug standards, and features multiple fast-charging ports.” With two USB-C and two USB-A ports, it offers flexibility, so you don’t have to carry separate USB chargers. You can power up to four devices at once, from smartphones to laptops. The charger comes with interchangeable global plugs (UK, Europe and Asia, Australia, and the US), making it ideal for those who work on the go or frequently travel internationally. All ports are capable of fast charging. Rajan explained how Gallium nitride (GaN) impacts the charger’s performance: “[It] makes it more portable and compact than a silicone counterpart with the same charging capabilities. Replacing silicone with GaN also means that the charger preserves its lifetime (by generating less heat) and draws less power from the outlet.” Some reviewers comment, however, that the bulky plug sometimes falls out of wall sockets.

2. Best Value: Anker 735 Charger

• Charges up to three devices at a time
• Portable and compact
• USB-C and USB-A compatibility
• Can break if dropped, reviewers say

Our next-best pick is Anker 735, which is a 65W charging brick that powers up to three devices at once. With two USB-C ports for laptops and tablets, and a USB-A port for a smartphone or smartwatch, it’s a good size for the average user who would like to power up all essential devices in one go. Reviewers attest to it offering excellent value for money, since it’s light, compact, and compatible with most devices. When you connect one device, it focuses all its 65W Max power into juicing it up as quickly as possible. And when you add more devices, it uses PowerIQ 4.0 technology to detect and distribute power based on the needs of the connected device. Anker also uses GaN technology to deliver faster, more efficient charging speeds than standard power bricks, despite the charger’s compact size. Do note that some reviewers caution its prongs can bend or break if it falls, so be careful when plugging it into the socket.

3. Best 30W Charger: Belkin 30W USB-C Wall Charger

• Fast power delivery
• Compatible with Apple and Android devices
• Comes with a USB-C cable
• Compact and light
• Charger may block socket below it

If you’re looking for a solo charger for your smartphone or tablet, consider Belkin’s single-device charger. Compatible with both Apple and Android devices, it can boost the power of an iPhone 13 or Galaxy S22 Ultra from zero to 50 per cent in just 24 minutes. Its dynamic power delivery technology delivers up to 25W for Samsung phones, and up to 27W for iPhone 14 Pros, which is why it’s a reliable, speedy charging brick to have on hand when your device is running low on battery. The brick comes with a USB-C to USB-C cable, so you can charge your phones (or laptops, or tablets) immediately. Do note that while it’s as small as a key, the charging port is at the bottom of the brick, and may block any sockets below it.

4. Best 45W Charger: Belkin Boost Charge Pro Dual USB-C 45W Wall Charger

• Two-port simultaneous charging
• Rounded shape, no sharp edges
• Does not include cable

Another fantastic option from Belkin, this dual USB-C charger offers two USB-C ports with a combined maximum output of 45W. This means you can fast-charge two small devices at once, like an iPhone and a Samsung Galaxy phone, or fast-charge one larger device, like an iPad Pro. The Boost Charge Pro can bring up a Samsung S21+ from zero to 50 per cent in just 27 minutes, and an iPhone 13 to the same point in 28 minutes. The brick uses GaN technology for a safe and efficient process that won’t leave your phone feeling overheated or overcharged. The charger does not include any cables, however, so you’ll have to purchase them separately.

5. Best 65W Charger: UGREEN Nexode 65W USB-C Charger

• Three-port simultaneous charging
• GaN technology for increased efficiency and safety
• Compact and portable
• Foldable design
• No cables included

Like our top Anker pick, this UGREEN 65W charger is equipped with two USB-C ports and one USB-A port, allowing you to charge three devices simultaneously. With its PD 3.1 protocol, a single port can pump 65W of power to a MacBook Pro 16-inch laptop, charging it fully in just 1.5 hours. It’s compatible with most brands of smartphones, laptops, tablets and smartwatches, giving you the flexibility and convenience of charging them all with a single brick. Although no cable is included, the Nexode has other useful features going for it, like a travel friendly, foldable design, and always-on temperature detection that keeps your gadgets safe from overheating. Reviewers say it’s extremely fast – some have juiced up powerbanks with 20,000mAh batteries within two hours. Others say its charging speed remains consistent, even when it’s recharging multiple devices.

6. Best 120W Charger: Anker 737 120W GaN Prime Charger

• Compact design
• Fast, efficient power delivery
• Seamlessly charges full-size laptops at high speeds
• Becomes warm with use

Like our top pick, the Anker 737 supports power delivery for three devices at once – with two USB-C ports and one USB-A port – but it ramps up power to 120W. That’s double the output of Anker 735, and enough to charge a large laptop, along with two other power-hungry devices, like a smartphone and tablet. If you connect a single device, it rapidly charges it at up to 100W. And if you add more gadgets, Anker’s PowerIQ 4.0 technology detects the needs of connected devices and adjusts power delivery automatically for fast, efficient distribution. The brand’s ActiveShield 2.0 intelligently monitors temperature to safeguard connected devices, and the brick is compatible with virtually all electronics, like tablets, notebooks, phones and accessories. Reviewers say it’s reliable and fast, but tends to get warm during extended charging sessions.

Warranty: The manufacturer provides 18-month warranty.

7. Best High-Power Charger: Razer 130W USB-C GaN Charger

• Four-port simultaneous charging
• Supports PPS
• Comes with power plug adapter
• Slightly bulky

If you’re looking for a charger that can rapidly charge your ultraportable laptop, and have juice to spare, consider Razer’s 130W GaN charger. With four ports – two USB-C and two USB-A – the brick can recharge your smartphone, tablet, laptop and gaming headset, all at the same time. Its two USB-C ports support 100W max each (this power is split into two if both ports are in use, which still means incredibly speedy charging). Its Programmable Power Supply (PPS) technology allows it to modify voltage and current, based on the device’s charging status, which means it’s efficient and safe to use. Although the charger is slightly bulky, it’s ready for travel, since it comes with a convenient power plug adapter that fits most power outlets around the world.

Bonus: Buy with zero per cent installments and pay Dh54.33 for 12 months with select banks.

What are some things to consider before buying a charging brick?

Walk down an aisle with fast chargers, and it boggles the mind – there are so many to choose from. So, where do you start?

Rajan shared several aspects to consider before buying a fast-charging brick:

• Power intake: Just how much power intake does your device accommodate? Rajan said: “Ideally, devices capable of fast charging should be charged by compatible power bricks. On the other hand, although devices not capable of fast charging will generally not face damage by receiving more power than they are capable of utilising, it is good to double-check the limits of your device before making a purchase.”
• Utility: What are you using the charger for? If it’s for temporary use, you’ll likely not require a relatively expensive multi-port charger, or one that’s suitable for travel. Depending on what you are using it for, you “would benefit from considering factors such as the number and type of ports supported by a charging brick and its weight and portability”, Rajan advised.
• Travel considerations: Plug compatibility becomes a primary concern when you’re looking for a charger that you can use internationally. Rajan said: “There are multi-port charging bricks that come with interchangeable plugs that meet different international plug standards (namely, UK, US, and Europe), and these may be helpful for individuals who travel internationally frequently enough to require this level of flexibility.”
• Credible brands: Don’t settle, when you’re buying a charger – it may harm your device, if it’s not up to the mark. Rajan said: “Buyers should pay attention to the manufacturer of the charging brick they wish to purchase. Since regulatory testing requirements are more stringent in some countries than others, credible manufacturers that sell products worldwide are more likely to meet the necessary regulatory testing and standards. Although rare, some manufacturers do not meet such standards, which can ultimately damage the charging device, even the user (if it catches fire or emits a shock).”

Minimum wattage guidelines

You would think the greater the power, the faster your device will charge. But a smartphone doesn’t require a 100W multi-port charger, just like a laptop won’t recharge rapidly when it’s charging on a brick that’s below 65W.

To break down the wattage requirements of specific electronics, we asked Rajan for some clarity. Here’s what she said:

Smartwatch: Smartwatches are small, delicate devices compared to phones. So, if a compatible charging wall adapter is unavailable, charge them using a laptop or desktop as the power source.

Smartphone: 10W to 18W is standard wattage for charging a phone (18W or more if the phone supports fast charging). Anything below 10W is not recommended, as charging a smartphone with lower than standard wattage can damage the battery in the long run.

Tablet: 20W to 30W, which ranges between standard and fast-charging. The ideal power in this range will depend on the device’s capabilities, but keep in mind that anything below can take too long to charge the device (between eight to nine hours instead of two to three hours) and result in battery damage in the long run.

Laptop: 65W+ is recommended for laptops, although 100W is much better, and anything above that would be ideal for those with laptops capable of handling more power.

Rajan added: “If someone prefers using a wall outlet, they must ensure that the adapter is UL-certified and offers a power output of five volts or one ampere (or less). Avoid fast chargers for smartwatches as they can damage the watch by delivering surplus power in the long run.”

Our recommendations are independently chosen by Gulf News editors. If you decide to shop through links on our website, we may earn an affiliate commission, as we are part of Amazon Services LLC Associates Program.

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