Buy LUMA travel insurance online and enjoy a worry-free Philippines adventure!
Trusted by 100,000+ Travelers
The Philippines is a beautiful country and most tourists enjoy their trip of a lifetime problem-free.
However, it’s not unusual for some to experience injury, illness, or loss when traveling there. When this happens, hospitalization or replacing lost possessions can be expensive.
We recommend that you buy LUMA travel insurance before visiting the Philippines. Our policies cover a range of travel and medical expenses, allowing you to enjoy your upcoming trip worry-free.
⚠️ You must purchase travel insurance before your trip—you cannot buy it once you have arrived.
Your Medicare or health insurance policy might not cover your trip to the Philippines. If you need medical attention while there, you could be left with a bill for:
Around 1,000 USD
The cost per day of staying in an intensive care unit in the Philippines
Starting from 30,000 USD
The cost of being evacuated to the Singapore from the Philippines under medical care
Around 5000 USD
The cost of spending 10 days in a Filipino hospital
💡 5.4 million tourists visited the Philippines in 2023.
💡 Travel and tourism represents one-fifth of the Philippines’ economy.
💡 In 2018 alone, over 17,000 people in the Philippines suffered from acute diarrhea from unsafe food.
💡 Tourists can now reclaim VAT on purchases exceeding 3,000 PHP from certain Filipino stores.
💡 The average travel insurance premium for the Philippines is 192.83 USD.
$4,854.22: The average value claimed for trip cancellation in the U.S. during 2023.
18% of travel insurance customers claim their policy.
There were 4,029 motorcycle crashes in the Philippines from January to April 2023.
LUMA travel insurance gives you peace of mind while visiting the Philippines by insuring you for unexpected medical costs, travel disruption, or loss.
Ultimate worry-free travel insurance for the Philippines
High-value coverage for medical and travel expenses.
English-speaking medical team
Ultimate worry-free
travel insurance for the Philippines
Tailored to match your travel requirements
Our policies have been specially designed to protect you in Philippines.
How can you ensure you get the best treatment If you get sick or injured when in the Philippines?
LUMA is a travel insurance company with a medical network across Asia and the world.
Our medical experts provide advice and guidance should you require treatment or suffer loss or disruption to your travel plans—giving you complete peace of mind.
Medical Expenses
Comprehensive coverage for unexpected medical expenses
Unlimited cover for costs associated with getting you suitable medical treatment
Repatriation
Unlimited cover to return you home following death or medical treatment
Trip cancellation
Covered up to 5,000 USD
Trip Interruption
Covered up to 5,000 USD
Lost Baggage
Covered up to 1,500 USD
🚑 Medical expenses
Comprehensive cover for medical expenses in the Philippines, including COVID-19 and food poisoning.
🚁 Emergency evacuation and repatriation
Coverage to be evacuated to another facility to receive better treatment.
📆 Trip cancellation and disruptions
Cover for non-refundable trip expenses in case you need to cancel your trip or cut it short.
🏍️ Motorbike accidents
Coverage for injuries sustained as a motorbike driver or passenger.
⚕️ Pre-existing conditions
Any medical conditions or symptoms known or arising before purchasing the policy are not covered.
🔮 Events anticipated when buying the policy
The policy must be bought before your trip starts. Events that were anticipated at the point of purchase are not covered.
🍾 Alcohol or drug-related incidents
Injuries or illnesses caused by alcohol or drug use are not covered.
🤰 Pregnancy
Any expenses arising from illness or injury related to pregnancy are not covered.
LUMA travel insurance has been trusted by over 100,000 travelers worldwide. Here’s why:
Our expert team is available 24 hours per day to provide advice and guidance should you fall ill or get injured during your trip to the Philippines.
Dr. Gerard
Emergency Medicine, Aviation & Tropical Diseases
25 Years of Medical Experience
Dr. Thet
Internal Medicine & Rehabilitation Medicine
9 Years of Medical Experience
Dr. Kao
Health Care Management
General Practitioner
Nurse Kookkik
Registered nurse.
19 years of medical experience.
Our global partners help us provide insurance and services to destinations around the world.
Insured by Baolong
With over three decades of expertise across a diverse range of insurance services, Baolong ensures your claims are covered.
Assistance by Europ Assistance
We also have relationships with hospitals and medical professionals across Southeast Asia. This lets us get you suitable medical treatment quickly, should you suffer illness or injury.
Travel insurance is not a mandatory requirement for visiting the Philippines. However, we strongly advise you to buy insurance before traveling.
The cost of medical services in the Philippines can add up, and foreign travelers may not be covered by their country’s public healthcare system.
Additionally, the Philippines presents unique health risks, including:
Travel insurance provides coverage for medical expenses for these and other unforeseen costs such as trip cancellation or interruption, lost luggage, and emergency transportation.
The cost of travel insurance for the Philippines typically depends on your trip duration and level of coverage.
Rates vary among insurance companies, with a multitude of options to choose from. Entry-level plans for travel insurance in the Philippines can begin at just a few dollars per day.
For example, a two-week trip for two to the Philippines from the United States would cost around $4 per day on our Essential plan. The same trip on our maximum coverage plan would cost around 17.50 USD per day.
Visa requirements for entering the Philippines depend on your nationality. Travelers from 158 countries can stay in the Philippines for up to 30 days visa free, including citizens of the United States and Australia.
If you wish to stay longer, or if your country is not eligible for visa-free travel then you must obtain a visa in advance. Visit our Philippines travel requirements page for more information on how to apply.
Due to potential changes in visa regulations, it is crucial to verify the current requirements with the Filipino embassy or consulate in your respective country before planning your trip.
Yes, LUMA travel insurance covers you for medical costs associated with injuries sustained while driving a motorbike or a passenger.
Motorbikes and scooters are popular forms of transport, especially among tourists. However, they are also very dangerous.
There were 4,029 motorcycle crashes in the Philippines from January to April 2023. In 2023, an average of 58 people were involved in a motorcycle-related accident in Metro Manila each day.
Yes, all our travel insurance policies cover you for medical treatment required in the Philippines as a result of food poisoning.
Yes, LUMA Asia Pass covers you for medical treatment required due to COVID-19.
No, our travel insurance policies do not cover pre-existing medical conditions. You may be able to get a policy that covers these conditions from a specialist provider.
Yes, this travel insurance covers Overseas Filipino Workers (OFWs) returning home for short visits. It offers them the same comprehensive array of benefits, such as:
It ensures OFWs are financially secure should unexpected situations arise while visiting the Philippines. This includes leisure trips, work-related ventures, or visits to family and friends.
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.
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.
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.
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 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.
The Philippines experiences:
You should check the following websites for warnings of these events:
LUMA travel insurance covers you for these events, as long as they were not forecast when you purchased your policy.
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:
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:
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.
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.
The capital of the Philippines is known for its historical buildings and Filipino street food.
Home of the iconic Willy’s Rock, and stunning White Beach, Boracay Island is one of the top travel destinations in Asia.
Cebu is known for its paradise-like beaches, watersports, history, and stunning Kawasan Falls.
“LUMA Asia Pass” is the commercial name of the travel insurance policy insured by Bao Long Insurance Corporation, distributed globally by Luma International and serviced by Luma Care Co. Ltd.
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