Philippines Travel Insurance Guide 2026

Travel insurance is strongly recommended for the Philippines. Key coverages to look for: medical treatment and evacuation (hospitals in rural areas are basic — evacuation to Manila may be needed), trip cancellation due to typhoons (flights are regularly cancelled during typhoon season), adventure activities (diving, surfing, island-hopping), lost luggage and personal belongings, and natural disaster coverage. Ensure your policy covers the specific activities you plan. Standard policies often exclude diving below 10 metres — get a sport-specific add-on if needed.