Travel Insurance Comparison in the Philippines for 2025
Planning a trip—whether it’s for a quick getaway, a business conference, or long-term work abroad—comes with plenty of excitement and also risks. For Filipinos in 2025, the demand for comprehensive and affordable travel insurance has grown rapidly due to stricter visa requirements, unpredictable global health events, and increasing travel costs.
This guide provides a deep dive comparison of the top travel insurance providers in the Philippines. We’ll explore their coverage options, pricing, visa compatibility, and who they are best suited for.
Comparison Table Summary
| Provider | Starting Premium | COVID-19 Coverage | Visa Approved | Medical Limit | Ideal For |
|---|---|---|---|---|---|
| MYOONA | ₱500 | Yes | Yes | ₱2 million | Quick online coverage, budget travelers |
| AXA | ₱600 | Yes | Yes (Schengen) | ₱2.5 million | International visa travel |
| Pacific Cross | ₱950 | Yes | Yes (Schengen) | $100,000 | Premium trips, high-cost countries |
| SafetyWing | $45/month | Yes | Yes | $250,000 | Long-term digital nomads |
| Malayan | ₱600 | Yes | No | ₱1 million | OFWs, domestic travel |
| FPG | ₱400 | Yes | No | ₱500,000 | Budget and local group trips |
Why Travel Insurance Still Matters in 2025
Travel insurance is no longer just an afterthought. It’s a requirement for many visa applications—including the Schengen area, Japan, Korea, and even some Southeast Asian destinations. It also acts as your safety net for unexpected medical expenses, lost luggage, flight delays, and emergencies that could otherwise drain your travel budget.
- COVID-19-related cancellations and hospital bills
- Trip interruptions or delays due to airline issues
- Emergency repatriation or evacuation
- Lost or stolen baggage
- Travel accidents and personal liability
Travel Insurance Providers Compared (Philippines 2025)
1. MYOONA Travel Insurance
- COVID-19 hospital and quarantine costs
- Up to ₱2 million medical coverage
- Schengen visa approved
- Instant e-Certificate via email
Starting Premium: ₱500
Best For: Local tourists, budget travelers, and digital applications
2. AXA Smart Traveller
- COVID-19 treatment and trip interruption
- Schengen visa accepted
- Up to ₱2.5 million medical cover
Starting Premium: ₱600
3. Pacific Cross
- Up to $100,000 coverage
- Schengen visa approved
- Ideal for long-term travelers and global destinations
Starting Premium: ₱950
4. SafetyWing Nomad Insurance
Check SafetyWing Travel Insurance
- Subscription-based at $45/month
- International coverage with auto-renew
- Ideal for remote workers and freelancers
5. Malayan Travel Master
Visit Malayan Travel Insurance
- Up to ₱1 million medical cover
- Includes travel inconvenience and accident coverage
Starting Premium: ₱600
6. FPG Travel Safe
- ₱400 starting rate
- Up to ₱500,000 coverage
- Best for local and short-term travel
Final Thoughts
Getting travel insurance in 2025 isn’t just a formality—it’s a smart move. Whether you’re applying for a Schengen visa, planning a long trip, or simply exploring locally, each plan above has its strength.
- Quick and affordable: MYOONA
- Premium and embassy-trusted: AXA, Pacific Cross
- Digital nomads: SafetyWing
- OFW and Asian travelers: Malayan, FPG
Evaluate what matters most—medical coverage, visa approval, or convenience—and choose accordingly. You can start now:
