Why should I consider travel insurance for the Philippines?
TID travel insurance provides protection against a wide range of scenarios. Here’s how we could help:
- Hospitalisation and medical emergencies
Found the dodgy adobo on your street food tour? If you get sick or injured while island-hopping, TID insurance includes cover for medical expenses. - Trip cancellation and delays
Tropical storms, natural disasters and strikes can all cause trip disruptions. Travel insurance may cover associated unexpected costs. - Lost or stolen belongings
Whether your luggage was misplaced or your phone’s been swiped, TID may be able to help replace your valuables. - Adventure activities
The Philippines is like a buffet for adventure enthusiasts. From hiking through pristine rainforests to scuba diving world-renowned reefs, TID offers cover for many adventure sports and activities. - 24/7 Emergency assistance
Our 24/7 emergency assistance team is there to support you if things go wrong, whether you need urgent medical help or travel advice.
The features and benefits described are a summary of cover only and cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement.
What do I need to know when travelling to the Philippines?
Whether you’re unwinding on a stretch of powder-soft sand or exploring the vibrant streets of Manila, being prepared can make or break your trip. That’s where travel insurance for a Philippines holiday could help you.
- Natural disasters happen
From earthquakes to typhoons, the Philippines experiences its share of natural disasters. June to November is typhoon season, averaging around 20 typhoons a year.
- Staying safe
Pickpockets and bag snatchers can be an issue. Particularly in big tourist cities. Keep valuables close and avoid displaying expensive items.
- Adventure the right way
The Philippines is a haven for adventure-seekers, from hiking the iconic Banaue Rice Terraces to swimming with whale sharks in Oslob. If you plan to explore remote islands, medical evacuation may be necessary in an emergency.
What cover does TID travel insurance offer when travelling to the Philippines?
TID travel insurance plans, whichever you opt for – The Basics, Works or Annual Multi Trip - can help you with:
- Medical overseas cover
- Flexible levels of cancellation cover
- Optional cover for high value itemswhich you can add at time of purchase
- Giving back to the community: through the Footprints Networkprogram you can make a micro donation to a project of your choice when you purchase a policy. It will have a positive impact on others no matter where you travels take you.
Travellers’ tip: It pays to keep up to date with warnings and travel alerts issued by authorities prior to heading to the Philippines. If Smartraveller warns against travel and you go against the advice, your insurance could be jeopardised.
Tips for travelling around the Philippines
Vibrant and diverse, the Philippines has a lot to offer. Make the most of your trip with these tips:
Best time to visit
The dry season (December to April) is the most popular, but March and April can get steamy. Typhoon season runs from June to November.
Pack smart
Light, breathable clothing is best for the tropical climate. Don’t forget sunscreen, bug repellant, rain gear, and cash (in remote regions, cash is still king).
Embrace all forms of transport
Short-hop flights between islands are affordable and easy, as are ferries. In cities, Jeepneys—colourful mini buses—offer a fun way to explore.
Try the street food
Choose stalls with long lines of locals for the freshest food.
Haggling is an art
It’s expected in markets but keep it friendly. Who knows, you might bag a bargain.
What can travel insurance cover me for in the Philippines?
Here are some of the cover benefits available with a travel insurance policy.
Don't like medical bills?
Compensation for unforeseen medical expenses incurred whilst on an overseas holiday
Unexpected cancellation?
Insurance if you have to cancel your trip due to unforeseeable events outside of your control (e.g. sudden illness).
Taking luggage with you?
Cover if your luggage is stolen, permanently lost or accidentally damaged due to circumstances outside of your control.
Choose a plan that suits your holiday.
Just like choosing the perfect destination for your next getaway, selecting a travel insurance plan to suit your needs may be just as important. We have four plans to choose from, each offering a different level of cover. Check out each of the plans below where you'll find loads of information about each one.
The Works
Our most popular and comprehensive plan, the Works offers broad cover for international trips including unlimited cover for costs such as medical expenses and cancellation as well as added benefits.
The Basics
Sticking to a shoestring budget? Our budget plan is designed for travellers who want coverage for all the important things, like hospital bills and stolen luggage, without breaking the bank.
Annual
Are you a frequent flyer? If you travel often for business, or have a few holidays coming up, our Annual Multi Trip plan could be for you. Made for globetrotters, your trips can be up to 35 days in duration and there is no limit to the number of trip you can take during a 12 month period.
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.