Philippines Travel Insurance Requirements

Last updated: 12/28/2022

Philippines Travel Insurance Requirements

On May 30, 2022, the Philippines removed their rules requiring all travelers to buy travel insurance and submit a negative Covid-19 test upon entry into the country. With the rule change, fully vaccinated travelers do not need to meet these requirements.

However, unvaccinated or partially vaccinated travelers still must abide by the initial rules that were implemented when the borders reopened in February. This means they must present a negative Covid-19 test that was taken within 48 hours of their arrival, and must have a travel insurance policy that can covid Covid-19 under the Emergency Medical benefit for the duration of their stay, with a minimum of $35,000 in coverage.

In addition to this, unvaccinated or partially vaccinated travelers also must undergo a quarantine until the completion of a negative Covid-19 test on the fifth day of their arrival, and are required to complete a home-based quarantine until the end of their 14th day in the country.

Squaremouth’s Philippines Travel Insurance Recommendations

The most important thing for travelers to look for when comparing policies is the amount of medical coverage to satisfy the Philippines requirement. For unvaccinated or partially vaccinated travelers, a policy with at least $35,000 in Emergency Medical is required in order to gain entry into the Philippines.

While $35,000 is the minimum amount required only for unvaccinated or partially vaccinated travelers, Squaremouth recommends all travelers visiting the Philippines purchase a minimum of $50,000 in Emergency Medical coverage. This benefit can provide coverage for Covid-19, as well as other unforeseen illnesses and injuries that occur during the trip.

Squaremouth also recommends a policy with at least $100,000 in Medical Evacuation coverage, which can provide reimbursement for transportation costs to the nearest adequate medical facility in the event of an emergency. These medical recommendations are consistent with Squaremouth’s suggestions for all international travel.

Most travelers heading to the Philippines are specifically buying medical travel insurance. However, many travelers may also have non-refundable trip costs. In this case, Squaremouth recommends a comprehensive policy that includes the Trip Cancellation benefit.

Trip Cancellation can reimburse up to 100% of a traveler’s prepaid and non-refundable trip expenses in the event they have to cancel their trip for a covered reason. These reasons commonly include an unforeseen illness or injury, inclement weather, natural disaster, or death of an immediate family member. Travelers who contract Covid-19 before their trip and need to cancel can be covered by this benefit.

Travelers who buy this coverage can also receive other benefits, including Trip Interruption and Travel Delay, among others.

Trip Interruption can reimburse travelers who need to cut their trip short due to an unforeseen illness, injury, or death, or testing positive for Covid-19. Trip Interruption can reimburse a traveler between 100-200% of their unused, non-refundable trip costs, and can also reimburse travelers if they have expenses rebooking their flight home.

Travel Delay can reimburse travelers for daily expenses related to a delay post-departure. Most commonly, these delays are due to severe weather or a mechanical issue impacting their flight.

If a traveler cannot return home on time due to a positive Covid–19 test and required quarantine, the Travel Delay benefit can also cover those expenses. Policies with this coverage can typically be extended 5-10 days, and can cover a traveler’s meals and accommodations during their quarantine.

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Philippines Travel Insurance Trends and Data

The Philippines is an Island near Malaysia and Vietnam famous for its stunning beaches, delicious food, and historical sites.


Destination Rank: 3

Percentage of Squaremouth Sales: 6.68%

Average Premium: $121.90

Average Trip Cost: $1,498.65

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