The cost of travel insurance for a 40-year-old on a one-month trip ranges from $55 to $246. Prices vary based on age, coverage limits, deductible, and coverage for pre-existing conditions. Many affordable travel insurance plans cost less than a dollar a day.
Traveling from Canada to the Philippines offers an amazing mix of culture, tropical beaches, and warm hospitality. Since the Philippines does not have long winters like Canada, it is a favorite destination for Canadian snowbirds seeking sun and relaxation during the colder months.
The best time for Canadians to visit the Philippines is during the dry season (November to April), when weather is ideal for outdoor adventures, beaches, and island hopping. December to February is particularly popular for Canadian travelers, though it’s also peak tourist season. For budget-friendly travel, November and April offer pleasant weather with fewer crowds.
Buying travel insurance for Philippines from Canada is essential for safe, worry-free travel. While the Philippines has excellent healthcare, treatment costs for foreigners can be expensive. Provincial health plans from Canada rarely cover overseas medical care, making comprehensive travel medical insurance a must.
Quality coverage includes emergency treatment, hospitalization, and medical evacuation and repatriation, ensuring you get proper care without unexpected expenses.
Before purchasing travel insurance from Canada to the Philippines, compare international travel insurance plans on American Visitor Insurance for coverage limits, exclusions, and pricing.
Comparing quotes from top providers helps you find the most affordable travel insurance for Canadians visiting the Philippines while ensuring full protection throughout your journey.
Always carry both digital and printed copies of your Philippines trip insurance policy and emergency contacts. Whether you’re taking a short vacation or an extended winter stay, having the best travel insurance for Canadians visiting the Philippines ensures peace of mind and financial security during your travels.
The best travel medical insurance for Canadians visiting the Philippines is the TrueNorth Travel Medical plan. It offers high coverage limits, unlimited evacuation and repatriation, and 24/7 travel assistance for trips to the Philippines and other international destinations.
Specifically designed for Canadians traveling abroad, TrueNorth Travel Medical Insurance provides comprehensive emergency medical protection at an affordable price—ensuring strong benefits and peace of mind throughout your stay in the Philippines.
TrueNorth Travel Medical InsuranceTrueNorth Travel Medical is an accident and sickness insurance plan designed exclusively for Canadian residents, providing affordable coverage and 24/7 travel assistance for a single international trip.
This TrueNorth Travel Medical Insurance plan offers reliable protection for Canadians traveling abroad, though it is not available in certain provinces and territories or for travel to Israel and countries restricted by Canada Global Affairs.
The best trip cancellation insurance for Canadians visiting the Philippines is the TrueNorth Trip Protection Plus plan. It offers comprehensive coverage, higher limits, and robust benefits to ensure peace of mind during your trip.
For travelers looking for a more budget-friendly option, the TrueNorth Trip Protection Lite plan provides essential coverage at a lower cost while still protecting Canadian travelers from unexpected trip cancellations.
TrueNorth Trip Protection Lite Insurance TrueNorth Trip Protection Plus InsuranceThe TrueNorth Annual Travel Medical Insurance plan is an ideal choice for frequent Canadian travelers visiting the Philippines throughout the year. With a single comprehensive policy, this annual travel medical insurance for Canadians visiting the Philippines provides extensive medical coverage, emergency evacuation and repatriation with no limit, and 24/7 global travel assistance.
The plan removes the need to purchase separate coverage for every trip—offering continuous protection, cost savings, and peace of mind whenever you travel abroad.
TrueNorth Travel Medical InsuranceIf you are looking for affordable travel insurance for your trip from Canada to the Philippines, the best options are Patriot International Lite by International Medical Group and Travel Medical Global Basic from Seven Corners. These plans offer essential coverage at budget-friendly prices, ideal for Canadian travelers.
Age: 40 years | Plan: $50,000 | Deductible: $250
Planning a trip from Canada to the Philippines? Choosing the best travel insurance for Canadians traveling to the Philippines ensures peace of mind, financial protection, and coverage for medical emergencies, trip interruptions, and other unexpected events. Top recommended plans include:
These Canada travel insurance plans for the Philippines are designed to cover emergency medical expenses, hospitalizations, trip cancellations, lost luggage, and other travel risks. By selecting one of these top-rated plans, Canadian travelers to the Philippines can enjoy a safe and worry-free journey with complete protection abroad.
Age: 40 years | Plan: $50,000 | Deductible: $250
Age: 40 years | Plan: $50,000 | Deductible: $250
Age: 40 years | Plan: $2,000,000 | Deductible: $250
The average cost of travel insurance from Canada to the Philippines ranges between $55 and $294. Pricing depends on factors such as the traveler’s age, trip duration, coverage limits, deductible amount, the type of health insurance selected, and whether pre-existing conditions are included. For most Canadian travelers, there are affordable travel insurance options available for less than a dollar per day, making it easy to protect against unexpected medical emergencies during your trip to the Philippines.
Comprehensive plans typically cost more but offer higher coverage limits, stronger benefits, and extended features like emergency evacuation and repatriation. These plans are ideal for Canadian visitors to the Philippines looking for peace of mind and complete protection abroad.
The international travel insurance cost per month with a deductible of $250 offers an excellent balance between affordability and extensive protection—perfect for Canadian snowbird travel health insurance or long-term stays in the Philippines.
| Insurance Plans | Plan Max Range | Provider Network | Age 40 | Age 60 |
|---|---|---|---|---|
| Patriot International Lite | $50,000 - $1,000,000 | IPA Network | $55 - $74 | $121 - $144 |
| Travel Medical Global Basic | $50,000 - $1,000,000 | Visit Wellabroad.com | $56 - $77 | $121 - $159 |
| Safe Travels International Cost Saver | $50,000 - $1,000,000 |  |
$73 - $122 | $159 - $235 |
| Travel Medical Global Choice | $50,000 - $1,000,000 | Visit Wellabroad.com | $84 - $113 | $190 - $253 |
| Safe Travels International | $50,000 - $1,000,000 | |
$107 - $151 | $233 - $346 |
| Patriot International Platinum | $2,000,000 - $8,000,000 | IPA Network | $116 - $158 | $247 - $294 |
Source: American Visitor Insurance®
🌴 The Philippines is an affordable and exciting destination for Canadian snowbirds seeking tropical weather and cultural experiences. This Southeast Asian archipelago comprises over 7,000 islands, each offering its own charm and beauty.
🏙️ The capital city, Manila, is a vibrant blend of modern skyscrapers and Spanish-colonial landmarks. The country is world-famous for its pristine beaches, lush mountains, and vibrant coral reefs — making it perfect for both adventure and relaxation.
🤝 Filipinos are known for their warmth, hospitality, and strong sense of community. Tagalog is the official language, but English is widely spoken, ensuring an easy and friendly experience for Canadians visiting the Philippines.
Cebu Island is one of the top tourist spots in the Philippines, offering historic cities,
stunning beaches, excellent diving and snorkeling, and rich cultural and natural attractions.
Coron Island in Palawan is renowned for its crystal-clear lagoons, pristine beaches, top-notch wreck and coral diving, lush scenery, and unforgettable natural experiences for visitors.
Pagsanjan Falls, also known as Cavinti Falls, is a famous waterfall in the Philippines offering thrilling boat rides, lush forest scenery, exciting adventures, and unforgettable experiences for tourists.
The UNESCO-protected Chocolate Hills in Bohol features over 1,200 unique hills, creating a surreal landscape, remarkable scenery, and a must-see attraction for travelers visiting the Philippines.
When Canadians are planning a trip to the Philippines, choosing the right travel insurance is essential, especially for travelers with pre-existing medical conditions. Among the available options, the following INF plans stand out for their comprehensive coverage and benefits:
Canadian snowbirds need to understand that provincial health plans offer very limited protection once you are outside your home province or outside Canada.
Most provincial health plans only cover a small portion of medical costs outside Canada. In many cases, coverage is reduced or even suspended if you are away for more than six months in a calendar year.
Always confirm with your provincial health authority how long you can be away without losing eligibility for health benefits. Each province has its own rules.
If you remain in the U.S. longer than your visa or cross-border privileges allow, you may face immigration and tax-related obligations.
For longer stays, consult a cross-border legal or tax advisor to avoid issues with residency status and reporting requirements.
👉 While provincial health care offers security at home, it won’t fully protect you during extended stays in the U.S. That’s why snowbirds should plan carefully both for their health coverage and their legal stay.
While a standard vacation is often brief, snowbirds will generally spend 3-6 months outside of Canada, which means:
American Visitor Insurance serves as a one-stop destination for Snowbird coverage. American Visitor Insurance partners with top-rated U.S. insurers including International Medical Group (IMG), Trawick International, and Global Underwriters we provide Canadians with the best Snowbird travel insurance options conveniently in one place.
Use our easy online compare engine to review several top insurance plans side by side and choose the best snowbird insurance coverage for your travel schedule, budget, and medical needs for destinations across the US, Mexico, the Caribbean, and other warm-weather regions.
American Visitor Insurance has been offering Snowbird insurance for nearly two decades now providing thousands of Canadian and international snowbirds easy purchase insurance options through our platform before heading south for extended stays in Florida, Arizona, Texas, Mexico, or island getaways in the Caribbean.
Our licensed knowledgeable customer support team helps travelers understand coverage options, policy benefits, and claim procedures so you can make informed decisions with complete peace of mind.
Enjoy medical coverage for emergencies, hospital care, and evacuation, backed by leading international insurers and extensive PPO networks across North America and beyond.
Compare, choose, and buy your plan online at American Visitor Insurance in minutes with 24/7 assistance available whenever you need help during your travels.
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Going on a cruise vacation is exciting, but it’s important to protect your investment with the right cruise travel insurance. Travelers often book cruises months in advance, and unforeseen events may prevent them from going. Trip insurance for cruises ensures your vacation investment is protected if your plans change.
Best cruise trip insurance safeguards your pre-paid cruise costs. While most cruise lines offer cruise protection, it usually provides vouchers instead of cash reimbursement. Only comprehensive cruise travel insurance for Canadians guarantees actual monetary reimbursement for trip disruptions.
A standard cruise protection plan may give vouchers if you miss the cruise, but trip insurance for cruises ensures money back. This is especially important for seniors, who are more likely to require medical or travel assistance while on cruises.
Vacationers can maximize protection by purchasing Cancel for Any Reason travel insurance. This benefit allows you to cancel your
cruise for any reason and receive up to 75% reimbursement of non-refundable expenses. Standard cruise protection plans offer limited coverage, making best cruise travel insurance plans for seniors essential for older travelers seeking financial and medical security.
Level 6 to 8, Tower 2, RCBC Plaza, 6819 Ayala Avenue P.O. Box 2168 Makati City Manila Philippines
Phone
+63-2-857-9000
Fax
+63-2-843-1082
Email
manil@international.gc.ca
45-L Andres Abellana Street 6000 Cebu City Philippines
Phone
+63-3-225-63320
Fax
+63-3-223-83421
Email
canada.cebu@gmail.com
Buying Philippines travel insurance from Canada ensures you are financially protected and medically covered during your trip. Follow these essential steps to choose the best Canada travel insurance for Philippines:
Decide the travel dates for your Philippines trip. Accurate dates help insurance providers calculate coverage duration and costs for Canadian travel insurance for Philippines.
Search for reputable providers that offer Philippines travel insurance for Canadians. Use online platforms like American Visitor Insurance, recommendations, or check with your current insurer.
Check the types of coverage available, including:
Visit the official Government of Canada travel site to stay updated on Philippines travel advisories. This helps in selecting appropriate Canada visitor insurance for Philippines.
Request quotes from multiple providers for Philippines travel insurance from Canada. Check coverage details, deductibles, and exclusions to make an informed choice.
Compare quotes, coverage limits, and benefits. Look for plans that meet your needs and budget while ensuring adequate protection.
Before purchase, review policy documents carefully. Check terms, pre-existing condition coverage, cancellation policies, and claim procedures for Canada travel insurance for Philippines.
Once satisfied, complete the application online. Provide personal details and make the payment to secure your Philippines health insurance for Canadians.
You will receive policy documents, coverage confirmation, and emergency contact info from your insurance provider.
Carry a copy of your insurance documents while traveling in the Philippines. This ensures quick assistance in case of medical emergencies or claims.
Note the insurance company’s emergency numbers for prompt support during your trip.
Maintain records of travel expenses, medical bills, and incidents for easier claim processing after your trip.
👉 Following these steps ensures that Canadians traveling to the Philippines get the best travel insurance for Philippines from Canada, providing comprehensive coverage, financial protection, and peace of mind.
When purchasing Canadian travel insurance for a trip to the Philippines, it is important to evaluate several key factors to ensure you get the right coverage for your needs. Here’s a detailed guide to help you choose the best Philippines travel insurance for Canadians:
Determine the duration of your trip, as insurance policies may have maximum coverage periods. Ensure your coverage extends for the entire journey to avoid gaps.
Consider the types of coverage you need in your Philippines travel insurance plan, including:
Review limits for each benefit and the deductibles. Ensure limits are sufficient to cover potential expenses during your Philippines trip.
If you have pre-existing conditions, verify if the policy covers them. Some plans require a stability period before coverage is granted.
Check what medical services and emergency assistance are available, such as 24/7 helplines and the process for receiving care abroad.
Stay updated on travel advisories issued by the Government of Canada for the Philippines before your trip.
Read the policy’s exclusions carefully. High-risk activities or certain medical conditions may not be covered.
Familiarize yourself with filing procedures, required documentation, timeframes, and contact details of the insurance provider.
Some policies offer add-ons for high-value items, adventure sports, or extreme activities. Consider if these are relevant for your trip.
Understand the circumstances under which you can cancel your policy and get a refund.
Check customer reviews and ratings to assess the provider’s reputation and service quality.
Keep the insurance company’s contact details and policy information handy for quick assistance during emergencies.
Check visa or entry requirements for the Philippines and ensure your travel insurance meets those requirements.
Compare costs across providers. The cheapest plan may not provide adequate coverage, so balance cost with quality coverage for a safe trip.
Travel tips for international travelers – Safety, Comfort and Wellness.
If you're a Canadian planning to live, work, or retire in the Philippines, securing reliable expat health insurance Philippines is essential. It ensures access to quality healthcare and provides financial protection against unexpected medical expenses.
Access to Quality Healthcare: Private healthcare in the Philippines can be expensive. Having expat insurance Philippines helps cover the high costs of medical treatments and hospital stays. While the Philippines has good medical facilities, the quality and availability of services can vary. Travel health insurance for expats from Canada often grants access to the best hospitals and specialists.
Comprehensive Coverage: Most plans include hospitalization, surgeries, specialist consultations, diagnostics, and treatments, offering broad protection for expats.
Emergency Services:
Financial Protection: Medical emergencies can be costly. Expat health insurance Philippines from Canada helps protect against significant financial strain and allows for better planning by covering unexpected expenses.
Expat health insurance is critical for Canadian expatriates living in the Philippines to ensure access to quality healthcare, manage medical costs, and provide comprehensive coverage for a wide range of medical needs. It offers financial protection, emergency services, and peace of mind, making it a vital component of a secure and healthy life abroad. By choosing the right expat health insurance Philippines plan, Canadians can enjoy their time in the Philippines with confidence in their health and well-being.
👉 Learn more about how to protect yourself while traveling as a Canadian Snowbird: Know more »
Provides coverage for multiple trips within a specified period, typically one year.
Read more »Travel insurance designed for older individuals, often referred to as "snowbirds".
Read more »Provides coverage for individuals with pre-existing medical conditions, particularly for "snowbirds".
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