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Before your trip, check the latest government advice for any travel alerts for your destination, as this may affect policy coverage.
Travel Insurance for the Philippines
Philippines Travel Insurance: At a glance
nib travel insurance may help cover overseas medical emergencies
Plans may cover lost luggage, delays, or trip cancellations
Overseas medical treatment can be expensive without travel insurance
Island travel may involve domestic flights and ferries
Check the Product Disclosure Statement (PDS) for terms and conditions, limits, and exclusions.
The Philippines is one of Southeast Asia's most beautiful destinations. From island hopping through crystal lagoons in Palawan to diving with whale sharks in Cebu, or exploring Manila's Spanish colonial past, the Philippines has something for everyone.
Before you go, it’s worth understanding how travel insurance for the Philippines could help protect your island adventure if something unexpected happens. From medical emergencies to flight disruptions or lost luggage, considering travel insurance may help if things don’t go to plan.
Why Australians love visiting the Philippines
With more than 7,000 islands, the Philippines is a paradise of pristine beaches, coral reefs, and secluded hideaways. Affordable travel, incredible diving, and quick access from Australia make it a tropical favourite with endless places to explore.
Why consider travel insurance for the Philippines?
Overseas medical emergencies Medical treatment can be expensive, and remote locations may require emergency medical evacuation or transfers. Travel insurance may help cover hospital stays, treatment, and transport to better-equipped facilities.
Healthcare in remote areas If you’re exploring far-flung islands, reaching proper medical care might involve a boat or flight, costs that nib travel insurance may help cover if you need to be medically evacuated or repatriated back to Australia.
Flight disruptions Typhoons and heavy rain can impact flights, ferries, and travel plans. With nib travel insurance, you may be covered for additional accommodation, meals, or transport if severe weather causes your carrier to cancel or restrict your pre-paid scheduled public transport.
Lost or delayed belongings nib travel insurance may cover essential items like clothing, bags, and travel documents if they’re lost, stolen, or damaged.
Unexpected trip cancellations If illness, injury, or another covered event forces you to cancel before you travel, insurance may help reimburse non-refundable bookings.
Need to make a claim? You can submit it online in just a few easy steps.
Popular places to visit in the Philippines
Palawan
Known for crystal-clear lagoons, limestone cliffs and world-famous island hopping around El Nido. It’s often ranked among the most beautiful islands in the world.
Boracay
Famous for powder-white beaches, spectacular sunsets, and a relaxed resort atmosphere.
Cebu
A blend of Spanish colonial history and natural wonders. Explore historic sites, chase waterfalls at Kawasan Falls, or swim with whale sharks.
Bohol
Home to the Chocolate Hills and the tiny tarsier, as well as beaches and river cruises.
Manila
The capital blends Spanish-era architecture with modern shopping, restaurants and nightlife.
What nib travel insurance may cover for a trip to the Philippines
nib offers Comprehensive, Essentials, and Annual Multi Trip travel insurance plans each with varying levels of cover, we may help cover:
✓ Medical evacuation and repatriation and hospital expenses
✓ Emergency evacuation – For serious injuries or illness (must be approved by nib).
✓ Trip cancellations and interruptions for specific insured events
✓ Lost, stolen, or delayed luggage
✓ Travel delays due to weather or airline disruptions if you're delayed for at least 6 hours
✓ Adventure activities – Snorkelling, surfing, hiking? Check what cover may be available.
✓ Natural disasters – Cover may kick in when nature throws a curveball.
✓ 24/7 Emergency Assistance – Day or night, help is just a phone call away.
The features and beenfits described are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the combined Financial Services Guide (FSG)/Product Disclosure Statement (PDS)
Travel tips for Australians visiting the Philippines
Stay hydrated and sun safe The tropical heat and humidity can be intense, especially when island hopping or exploring outdoors.
Use reputable transport Use registered taxis, hotel transfers or ride-share services where possible.
Be prepared for tropical weather Typhoon season typically runs from June to November.
Protect your valuables Keep passports, travel documents, and electronics secure.
Check your passport validity and keep important details handy Your passport should be valid for at least six months beyond your travel dates. Keep emergency contacts and travel insurance details handy.
Check travel alerts Understand how travel alerts may affect your travel insurance. Also check the Smartraveller website for up to date information on your chosen destination(s).
Frequently asked questions for a trip to the Philippines
Need to know more?
If you still have questions we’re here to help. Contact us.
In case of a medical emergency, the 24/7 Emergency Assistance Team are always on hand to help.
The above features and benefits are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the combined PDS/FSG.
nib Travel Insurance Distribution Pty Limited, ABN 40 129 262 175, AR 336467 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.
We are a signatory to the General Insurance Code of Practice developed by the Insurance Council of Australia and enforced by the Code Governance Committee, an independent body whose purpose is to drive better Code compliance and help the insurance industry improve its service to consumers. The Code is designed to promote good relations and insurance practice between insurers, authorised representatives and consumers. The Code sets out what we must do when dealing with you. You can obtain a copy of the Code from codeofpractice.com.au.
*The discount applies to the total nib travel insurance premium and is for customers that currently hold an Australian health insurance product, or an Overseas Student Health Cover product with nib. The discount is not available to customers who hold an Overseas Visitors Health Cover product. Discounts do not apply to the rate of GST and stamp duty or any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount.