Travel Insurance Philippines

Tourism is an important part of the economy in the Philippines, and so visitors are generally safe there. However, the country does present a number of increased risks that you should be aware of.

Terrorism

Some parts of the Philippines are experiencing armed anti-government insurgencies. There is a high threat of terrorist attacks in Mindanao and the Sulu Archipelago. You should therefore avoid traveling to these areas.

Terrorist kidnapping also happens. It is recommended that you stay in areas popular with tourists.

Crime

The Philippines has high levels of street crime including armed robbery. Only hire taxis from reputable companies and use a hotel transfer service where possible. 

Sexual assault

Tourists have reported rape and sexual assaults in areas popular with backpackers. You should avoid being on your own or in poorly lit areas.

Road travel

Road traffic accidents occur frequently in the Philippines. This is due to poor roads, dangerous driving, and a lack of traffic law enforcement. 

In 2023, there were 85,954 reported road traffic accidents in Manilla alone, and road accidents are the leading cause of death among 15–29 year olds.  

If you choose to drive in the Philippines, we recommend you ensure you buy travel insurance with suitable coverage for road traffic accidents.

Weather and natural disasters

The Philippines experiences:

• Typhoons
• Earthquakes
• Volcanoes

You should check the following websites for warnings of these events:

• Philippines state weather agency 
• Philippines Disaster Risk Reduction and Management Council

LUMA travel insurance covers you for these events, as long as they were not forecast when you purchased your policy.

Health

The Philippines presents a number of unique health risks, including:

Dengue fever: This is a viral illness transmitted by mosquitoes. It appears as flu-like symptoms for 3-15 days, including a temperature and rash. There is no cure for dengue; however, most people fully recover it if given proper medical treatment. 

You can avoid dengue fever by:

• Avoiding stagnant water
• Using mosquito repellent
• Wearing long sleeves and pants
• Using mosquito nets

Tick-borne encephalitis: A viral infection spread by tick bites. It appears as flu-like symptoms that usually go away on their own. However, some people can experience complications. Travelers concerned about encephalitis can get a vaccine from their doctor before traveling.

You can avoid encephalitis by:

• Using insect repellent
• Wearing long sleeves and pants
• Avoiding walking in long grass

Zika virus: This is another virus spread by mosquitoes. It is similar to dengue fever, however it is particularly dangerous for pregnant women as it can lead to birth defects.

Zika is currently present in the Philippines, so pregnant women should reconsider traveling there or take extra precautions.

• Manila’s medical emergency service number: 911
• Cebu’s medical emergency service number: 161

In case of a medical emergency in the Philippines, go straight to a hospital in a major city. These hospitals provide high medical standards. 

Be cautious about counterfeit medicines, prevalent even in the capital. 

Read our full blog on what to do in case of emergency in the Philippines. If you require further guidance you can contact the emergency hotline included with your policy.

Tap water around Manilla is supposed to be safe. However, we recommend boiling water or drinking bottled water anywhere in the Philippines to avoid a bad stomach.

There are many transport options available to tourists in the Philippines. However, you should try to book ahead and only use reputable firms. This will help avoid scams.

Jeepneys: Iconic and vibrant, jeepneys are converted military jeeps from the U.S. occupation, offering an affordable way to travel. They typically carry 12–32 passengers and follow set routes.

Buses: Coach buses are ideal for intercity travel, providing a comfortable and cost-effective option.

Taxis: Readily available in urban areas, taxis offer convenience but may face traffic delays. Always ensure the meter is running or agree on a fare beforehand.

Ferries: Perfect for island-hopping, ferries are a reliable way to explore the Philippines’ archipelago. Schedules vary, so plan ahead.

Domestic flights: Quick and efficient, domestic flights connect major cities and islands, ideal for long-distance travel.

Private vehicles: Cars and motorcycles are popular private options for flexibility and convenience, especially in areas with limited public transportation.

Manila

The capital of the Philippines is known for its historical buildings and Filipino street food. 

Boracay

Home of the iconic Willy’s Rock, and stunning White Beach, Boracay Island is one of the top travel destinations in Asia. 

Cebu

Cebu is known for its paradise-like beaches, watersports, history, and stunning Kawasan Falls.