Best Travel Insurance in the Philippines for 2025 [Updated Guide]
Are you planning a trip abroad or exploring the beautiful islands of the Philippines? Whether you’re a tourist, an OFW, or applying for a visa, having the right travel insurance in 2025 is more important than ever.
This guide will help you compare the top travel insurance providers in the Philippines, understand what coverage you really need, and make a smart decision that protects your trip — and your wallet.
Table of Contents
- Why Travel Insurance Matters in 2025
- Top 5 Best Travel Insurance Providers in the Philippines
- Comparison Table: Coverage and Premiums (2025)
- Travel Insurance for Different Needs
- How to Buy Travel Insurance Online in the Philippines
- Frequently Asked Questions (FAQs)
- Final Thoughts
Why Travel Insurance Matters in 2025
Traveling in 2025 comes with its fair share of uncertainties — from flight cancellations and lost baggage to emergency hospital visits. A reliable travel insurance policy can save you from paying huge expenses out of pocket.
If you’re applying for a visa (like a Schengen visa), many embassies even require a specific amount of medical coverage. And with some destinations still enforcing COVID-related health policies, it’s better to be safe than sorry.
Top 5 Best Travel Insurance Providers in the Philippines
1. AXA Philippines – Smart Traveller Plan
- Includes COVID-19 coverage
- Approved for Schengen visa applications
- Medical evacuation and emergency assistance included
- Starts at around ₱600 for short trips
Apply Now with AXA Travel Insurance
2. Pacific Cross Travel Insurance
- High medical limits (up to $100,000)
- Visa-compliant and globally accepted
- Offers flexible plans for different destinations
- Estimated premium: ₱950 for a 7-day trip
Get a Quote from Pacific Cross
3. SafetyWing – Global Nomad Insurance
- Monthly subscription model (no long-term commitment)
- Covers trips starting from abroad or the Philippines
- COVID-19 included
- Pricing starts at $45/month (USD)
4. Malayan Insurance – Travel Master
- Coverage includes lost baggage, trip cancellation, and accidents
- Available for both local and overseas travel
- Starts at ₱600 for a few days of coverage
5. FPG Insurance – Travel Safe Plan
- Offers personal accident, emergency medical, and travel inconvenience benefits
- Good option for family or group trips
- Starts at ₱400 for short trips
6. MYOONA Travel Insurance
- Online booking with instant confirmation
- COVID-19 and medical coverage up to ₱2 million
- Schengen-visa compliant and local trip coverage
- Starts at ₱500
Comparison Table: Coverage and Premiums (2025)
| Provider | Starting Premium | COVID-19 Coverage | Visa Approved | Medical Limit | Ideal For |
|---|---|---|---|---|---|
| MYOONA Travel Insurance | ₱500 | Yes | Yes | Up to ₱2 million | Online booking, local and international trips |
| AXA Smart Traveller | ₱600 | Yes | Schengen | ₱2.5 million | Short-term international trips, visa applications |
| Pacific Cross | ₱950 | Yes | Schengen | $100,000 | Premium global coverage, long trips |
| SafetyWing | $45/month | Yes | Schengen | $250,000 | Digital nomads, freelancers, long-term travelers |
| Malayan Travel Master | ₱600 | Yes | No | ₱1 million | Domestic and Asian travel, OFWs |
| FPG Travel Safe | ₱400 | Yes | No | ₱500,000 | Budget travelers, group trips |
Related Article: Travel Insurance Comparison in the Philippines for 2025
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Travel Insurance for Different Needs
Schengen Visa Travel Insurance
If you’re applying for a Schengen visa, you’ll need a policy with at least €30,000 in medical coverage. Both AXA and Pacific Cross meet this requirement and are often accepted by embassies.
Travel Insurance for OFWs
For OFWs, it’s best to look for annual multi-trip plans or policies that include emergency medical, repatriation, and accidental death benefits. Malayan and SafetyWing both offer good value for long-term travelers and migrant workers.
Coverage for Asia Trips (Japan, Korea, Thailand)
If you’re traveling around Asia, consider a plan that offers coverage for flight delays, baggage loss, and minor medical emergencies. FPG and AXA offer affordable plans tailored for short regional trips.
How to Buy Travel Insurance Online in the Philippines
- Visit the official website of your chosen provider or use a comparison site like eCompareMo or Go! Insurance.
- Enter your trip details (destination, travel dates, age, etc.).
- Select your plan based on coverage and budget.
- Pay online using GCash, Maya, credit card, or bank transfer.
- Receive your Certificate of Insurance instantly via email.
Make sure to save a copy of your COI if you’re applying for a visa or planning to print it for airport security.
Frequently Asked Questions (FAQs)
Is travel insurance required for visiting the Philippines?
Not mandatory, but strongly recommended. It’s especially useful for medical emergencies and travel delays.
What is the best travel insurance for Schengen visa?
AXA and Pacific Cross are both approved providers and meet all the visa coverage requirements.
Can I pay for travel insurance with GCash or Maya?
Yes. Most providers now accept local payment options like GCash, Maya, and online banking.
Does travel insurance still include COVID-19 in 2025?
Yes. Most plans from AXA, Malayan, and SafetyWing include COVID-19-related hospital coverage and trip cancellations.
Final Thoughts
Getting the right travel insurance in 2025 gives you peace of mind, whether you’re traveling for business, pleasure, or migration. Don’t take chances — compare your options, read the coverage details, and make sure you’re protected before your next trip.
