Travel Insurance for Philippines from USA
The Philippines is a popular destination for Americans visiting family, relaxing in Manila, Cebu, Boracay, Palawan, and Bohol, or exploring its beautiful beaches and islands. However, Medicare generally does not cover healthcare outside the United States, and many U.S. health insurance plans provide limited or no overseas coverage.Medical emergencies, hospitalization, and emergency evacuation can be expensive without insurance. Travel insurance to the Philippines from USA can help cover medical expenses, emergency evacuation, trip cancellations, travel delays, and lost baggage. Cheap travel insurance to Philippines starts from as low as $20/month for a healthy 20-year-old traveler on a travel medical plan, or $24 for a 15-day trip on a basic trip cancellation plan.
Not sure which plan is right for your Philippines trip? Get your Philippines Travel Insurance quote it takes less than 30 seconds.
Travel Insurance From USA to Philippines
- The Philippines is an archipelago located in Southeast Asia, consisting of over 7,000 islands.
- The Philippines is situated in the western Pacific Ocean and is bordered by Taiwan to the north, the Philippine Sea to the east, the Celebes Sea to the south, and the South China Sea to the west.
- It has a rich cultural heritage influenced by various indigenous peoples, Malay settlers, Spanish colonization, and American occupation.
- Manila is the capital city of the Philippines and the center of economic and political activities.
- Other major cities include Quezon City, Davao City, Cebu City, and Caloocan.
Why is Travel Insurance Required for Philippines?
- When traveling from the USA to the Philippines, obtaining insurance for vacation is essential to safeguard yourself against unexpected situations.
- Health insurance for US citizens to Philippines is recommended as it provides essential coverage and protection in case of unforeseen events or emergencies during the trip.
- US citizens need a visa to travel to Philippines.
- US citizens should not ignore the importance of having good travel insurance for Philippines.
- It is important to include Philippines travel insurance to get unexpected medical and travel emergencies covered.
- US Travelers can buy trip cancellation insurance for Philippines to protect trip investment expenses like trip cancellation, trip delay, Cancel for Any reason (CFAR) benefit with refund of up to 75% of the trip cost if the trip cancels for any reason.
How Much Does Philippines Travel Insurance from USA Cost in 2026?
Trip Cancellation Insurance If you want coverage to protect your non-refundable trip expenses such as flight tickets, hotel bookings, and other reservations in case your trip is cancelled, delayed, or interrupted, consider buying these trip cancellation insurance plans.
The cost of Philippines travel insurance from the USA starts as low as $24 for a 15-day trip with a $1,000 trip cost. The cost of trip cancellation insurance for Philippines depends on Traveler’s age, Type of coverage selected, Length of stay in Philippines, Number of travelers insured
Average Trip Cancellation Insurance Cost for U.S. Citizens Traveling to Philippines
This table gives the average trip cancellation insurance cost for different ages. Approximate cost of Trip insurance plans is for a 15 days trip length and $1,000 trip cost.
| Plan | Trip Cancellation | Age 20 | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Safe Travels Protect Trawick International |
100% of Trip Cost, max $14,000 | $24 | $32 | $39 | $74 |
| Pathway Essential Trawick International |
100% of Trip Cost, max $14,000 | $24 | $33 | $53 | $76 |
| ExactCare Insurance BHTP |
100% of Trip Cost, max $14,000 | $24 | $26 | $42 | $64 |
| Pathway Plus Trawick International |
100% of Trip Cost, max $50,000 | $32 | $43 | $70 | $98 |
| Trip Protection Basic Seven Corners |
100% of your nonrefundable Trip Cost up to $30,000 | $34 | $47 | $70 | $70 |
| Travelex Advantage Travelex |
100% of Trip Cost, max $10,000 | $36 | $42 | $62 | $87 |
| Itravelinsured Choice IMG |
100% of Trip Cost | $39 | $50 | $73 | $110 |
| Travel Insurance Select Travel Insurance |
100% of Trip Cost | $42 | $42 | $87 | $102 |
| Safe Travels Armor Trawick International |
100% of Trip Cost, max $100,000 | $43 | $55 | $67 | $124 |
| Pathway Premium Trawick International |
100% of Trip Cost, max $100,000 | $43 | $56 | $90 | $126 |
| Trip Protector Economy Seven Corners |
100% of Trip Cost, max $5,000 | $47 | $55 | $71 | $75 |
| ExactCare Value BHTP |
100% of Trip Cost, max $14,000 | $56 | $60 | $93 | $138 |
| Travelex Ultimate Travelex |
100% of Trip Cost, max $50,000 | $57 | $69 | $91 | $125 |
| Trip Protection Choice Seven Corners |
100% of your nonrefundable Trip Cost up to $100,000 | $65 | $87 | $118 | $118 |
| iTravelInsured LX IMG |
100% of Trip Cost | $102 | $114 | $138 | $171 |
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Best Trip Cancellation Insurance
Compare top-rated plans with strong cancellation benefits
Best Trip Cancellation Insurance for Philippines 2026
Based on price, coverage limits, and traveler reviews, the following plans are the best trip cancellation insurance options for Philippines.
Other affordable travel insurance with trip cancellation coverage include Pathway Essential, Travelex Advantage
Other affordable travel insurance with trip cancellation coverage include: Travelex Ultimate, iTravelInsured LX
Travel Medical Insurance for Philippines from USA
Travel Medical Insurance If you want coverage for emergency medical expenses such as hospital bills and doctor visits caused by sudden sickness or injuries from an accident, consider buying these travel medical insurance plans.
The cost of travel medical insurance for Philippines from the USA starts as low as $20 per month. Prices vary based on the traveler’s age, coverage limits, deductible, and length of stay in Philippines.
Travel medical insurance provides: Coverage for doctor visits, Protection for emergency hospital stays, Financial protection against high medical costs abroad, Access to necessary care while travelingAverage one-month travel health insurance costs for US citizens traveling to Philippines are shown below.
| Plan | Deductible | Age 20 | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Atlas Essential International WorldTrips |
$250 | $20 | $40 | $86 | $263 |
| Safe Travels Outbound Trawick International |
$250 | $26 | $77 | $168 | $296 |
| Atlas International WorldTrips |
$250 | $27 | $54 | $117 | $212 |
| VisitorSecure WorldTrips |
$100 | $29 | $34 | $55 | $96 |
| Travel Medical Excluding USA Basic Seven Corners |
$0 | $29 | $55 | $121 | $269 |
| Patriot International Lite IMG |
$250 | $29 | $55 | $121 | $214 |
| BCBS Single Trip Gold BCBS |
$250 | $43 | $72 | $154 | $289 |
| BCBS Single Trip Platinum BCBS |
$250 | $46 | $79 | $160 | $300 |
| TravelGap Gold HTH Worldwide |
$250 | $43 | $72 | $154 | $289 |
| TravelGap Platinum HTH Worldwide |
$250 | $46 | $79 | $160 | $300 |
| Diplomat International Global Underwriters |
$250 | $32 | $86 | $181 | $315 |
| Intermedical Travel Insure |
$250 | $48 | $73 | $121 | $201 |
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Travel Medical Insurance for U.S. Citizens Traveling Abroad
Review travel medical insurance coverage benefits.
Best Travel Medical Insurance for Philippines 2026
Other affordable travel medical insurance plans for U.S. citizens include Atlas International, Patriot International Lite .
Other affordable travel medical insurance plans for U.S. citizens include Intermedical, Patriot Platinum International .
Best Philippines Travel Medical Insurance for Pre-Existing Conditions
Compare the top plans offering coverage for acute onset or limited pre-existing conditions for travelers from USA to Philippines
BCBS Single Trip Platinum Insurance
Blue Cross Blue Shield Global Solutions Travel Insurance
Best International Travel Insurance for Acute Onset of Pre-Existing Conditions
Why You Need Travel Insurance Despite Having Credit Card Travel Benefits for Your Trip to Philippines?
- Many U.S. travelers rely on their credit card travel benefits for protection when visiting the Philippines. While these benefits may cover trip delays, cancellations, or lost baggage, they typically provide little or no coverage for emergency medical expenses incurred outside the United States.
- Most U.S. health insurance plans, including Medicare, offer limited or no coverage overseas. If you need medical treatment in the Philippines, especially at private hospitals or clinics, you may be required to pay for your care upfront.
- Travel medical insurance from American Visitor Insurance helps cover eligible emergency medical expenses, hospitalization, physician visits, prescription medications, emergency medical evacuation, and other unexpected healthcare costs during your trip.
- It provides broader protection than relying solely on credit card travel benefits, helping safeguard you against unforeseen medical and travel-related emergencies.
- Whether you're traveling to the Philippines for a beach vacation, island hopping, business, visiting family and friends, diving in Palawan, surfing in Siargao, or exploring Manila, Cebu, or Boracay, dedicated travel insurance offers greater financial protection than credit card travel benefits alone, giving you peace of mind throughout your journey.
Healthcare and Medical Costs in Philippines
- The category of hospital, whether it is public or private, has a significant effect on the total healthcare cost.
- Very often public hospitals are the most expensive healthcare facilities, but sometimes they may not be as good in quality.
- Private hospitals are the highest-priced option but they offer better service, faster treatment, and the latest in medical equipment.
- On the other hand, the most basic care, like doctor's visits and laboratory tests, is always very cheap.
- The areas of imaging tests, nursing care, medical intensive care unit (ICU) treatment, and surgeries are the ones where the price hikes are very clearly seen.
- Medical prices in the Philippines have been rising every year by an average of 15-18% due to medical inflation.
- Thus, a large number of locals, foreigners, and tourists prefer health insurance in order to escape very high out-of-pocket costs.
- Insurance coverage is especially vital for those making use of private hospitals or who are in need of emergency care.
Cheap Travel Insurance From USA for Less Than $1/Day
A small daily cost helps protect you from unexpected medical expenses while traveling outside the USA.
Best Trip Cancellation Insurance for Philippines - Protect Your Non-Refundable Costs
- Travel medical insurance helps cover eligible emergency medical expenses if you become sick or injured while visiting the Philippines, but it does not reimburse prepaid, non-refundable travel expenses such as airfare, hotel reservations, island tours, cruises, or vacation packages if you need to cancel your trip before departure. For U.S. travelers with significant upfront travel costs, trip cancellation insurance provides valuable financial protection.
- The best trip cancellation insurance plans for the Philippines from the USA can reimburse up to 100% of eligible non-refundable trip costs while also providing benefits for emergency medical expenses, trip interruption, baggage loss, travel delays, and emergency medical evacuation. For added flexibility, Cancel For Any Reason (CFAR) plans may reimburse up to 75% of your insured trip cost, even if you cancel for reasons not covered by a standard policy.
- Leading comprehensive travel insurance plans for the Philippines, including Pathway Premium (Trawick International) and iTravelInsured LX (IMG), combine excellent trip cancellation benefits with comprehensive emergency medical coverage, emergency medical evacuation, and travel assistance services, making them ideal for vacations, business trips, cruises, and family visits.
- Best Trip Cancellation Travel Insurance for the Philippines Compare A-rated trip cancellation insurance plans for the Philippines on American Visitor Insurance, review pricing based on your age and trip cost, and choose the coverage that best protects your travel investment before exploring Manila, Cebu, Boracay, Palawan, Siargao, and other beautiful destinations throughout the Philippines.
What Should I Consider Before Buying Philippines Travel Insurance from USA?
When buying travel insurance for your trip to Philippines from the USA, here are few factors that you need to consider before purchasing Philippines travel insurance for US citizens:
- Type of Trip: If you are going on multiple trips annually, you can purchase multi trip insurance otherwise, you can go for a single trip option.
- Trip Duration: Decide about the travel dates and length of stay in your destination so that you can buy the insurance for a sufficient number of days.
- Pre-existing Conditions: It is important to check if the policy that you chose provides coverage for any emergency situation that might be a consequence of the existing condition. In this case, you need to make sure that the plan covers the acute onset of a pre-existing condition.
- Coverage Details: Given that healthcare costs are increasing and that international travelers experience higher healthcare costs in Philippines, choose a plan with sufficient medical coverage, ideally $50,000 or more. Make sure that the plan covers emergency medical evacuation, repatriation and acute onset of pre-existing conditions.
- Trip Cancellation or Interruption: If your trip involves high non-refundable costs (flights, hotels, tours), consider a policy that offers trip cancellation or interruption benefits for extra peace of mind.
- Exclusions: Pay attention to the exclusions in the policy and go through it carefully in order to know what’s not covered such as injuries from adventure sports, substance abuse, or self-inflicted harm. This helps prevent any surprises or denied claims when you need coverage the most.
By considering these factors, you can choose the best travel medical insurance for Americans traveling to Philippines that offers comprehensive protection for your entire trip in Philippines.
American Travel Insurance Coverage Options
Pathway Premium iTravelInsured Travel LX Trip Protection Choice
- We offer policies for almost anyone traveling anywhere, including older US residents up to 99 years of age.
- IMG, a well-established name in travel insurance, offers comprehensive travel and trip insurance products suitable for all types of travelers.
- Covers airlift evacuation from your cruise ship to the nearest hospital capable of treating you.
- Provides hospital-to-hospital transfers if the current facility cannot meet your medical needs.
- Includes transportation to a hospital near your home if deemed necessary by your physician.
What Does Trip Cancellation Travel Insurance Cover?
At American Visitor Insurance, we assist travelers from nearly anywhere as they travel away from home! It is important to buy trip cancellation insurance.
- Provides a refund for non-reimbursable deposits and trip costs if something prevents taking the trip between payment and departure.
- Cost of such insurance depends more on the trip cost than the length of the trip (most have maximum day limits).
- Plans available for high-cost trips (exceeding $10,000 per person, e.g., safaris, long cruises) and modestly priced trips.
- Benefits usually cover 100% of non-refundable trip costs.
- Often reduced to 75% for the ‘Cancel for Any Reason’ benefit.
- Coverage during the trip includes:
- Unexpected medical expenses
- Trip interruption (if unable to complete trip due to illness, weather, etc.)
- Trip delay (missed flights or connections, help to catch cruise if necessary)
- Baggage loss
- Assistance for pets or children traveling with you.
What Are the Benefits of Travel Insurance with Trip Cancellation Coverage?
Highlights of trip cancellation insurance coverage benefits
Travel insurance for trip protection, unexpected medical expenses traveller and related emergencies.
Know More →When Can I Buy the Trip Cancellation Insurance?
- You can buy the trip cancellation plan at any time before your travel dates.
- Since you are insuring the value of your trip, it is better to purchase as soon as possible in case something happens that interferes with your travel.
- Example: If you’ve planned a trip for next October and later find out you must be in court at that time if you haven’t already purchased your trip cancellation plan, you will not be able to get a refund because you already know about the conflict.
- You always get a 10-day ‘Free Look Period’ after purchasing your plan, when you buy through American Visitor Insurance.
- This allows you to review the policy and make sure it’s the product you really want, and American Visitor Insurance provides support during this period to help you understand your benefits and make any changes if needed.
Does Trip Insurance Cover Pre-Existing Conditions?
Many travel insurance plans offer a waiver of the pre-existing medical condition exclusion if you purchase your policy within 14 to 21 days of your initial trip deposit.
However, the iTravelInsured Travel LX plan gives you more flexibility and allows you to qualify for the waiver if buy the iTravelInsured Travel LX insurance within 24 hours of your final trip payment.
This flexibility provides travelers the ability to buy trip cancellation insurance with pre-existing conditions coverage up to the final trip payment.This provides valuable peace of mind and greater medical coverage for seniors with existing health conditions.
While we hope your trip goes smoothly and you stay happy and healthy, it’s reassuring to know that you’ll be protected even if unexpected issues arise from the minor inconvenience of a missed connection to the major challenge of seeking medical care abroad or having to cancel your trip altogether.
- Pathway Premium - Covered if purchased within 21 days of the initial trip deposit.
- Travelex Ultimate - Waiver included if purchased within 21 days of the first trip payment, with the full trip cost insured.
- iTravelInsured Travel LX - Waiver available if purchased within 24 hours of the final trip payment.
- Safe Travels Armor - Covered if purchased within 14 days of the initial trip deposit.
- Trip Protection Choice - Covered if purchased within 20 days of the initial trip payment or deposit, and other requirements are met.
- Trip Protector Preferred – Coverage available if purchased within 21 days of the initial trip deposit.
- BHTP ExactCare – Covered if purchased within 15 days of the Initial Trip Deposit Date.
At American Visitor Insurance, we're here to help you find the right trip cancellation insurance with pre-existing condition coverage so you can travel with confidence and peace of mind.
Which is the Best Trip Cancellation Insurance for U.S. Seniors?
Powered by iTravelInsured (IMG) three tiers to match your trip cost and coverage needs.
Budget-friendly pick for standard senior trips.
- Medical coverage up to $100,000
- Emergency evacuation up to $500,000
- Pre-existing condition waiver (within 21 days)
- Add-ons: CFAR, cruise & sports coverage
Elevated limits for high-cost trips.
- Trip costs covered up to $150,000
- Medical coverage up to $250,000
- Trip cancellation, interruption & evacuation
- Optional add-ons available
Maximum protection for high-value travel.
- Trip costs covered up to $150,000
- Medical coverage up to $500,000
- Trip cancellation, interruption & evacuation
- Optional add-ons available
- Choice - standard trips under $10,000 on a budget
- SE - high-cost trips or elevated medical limits
- LX - maximum medical protection at $500,000
Tip: For detailed guidance, see our full page on best trip cancellation insurance for seniors.
How Much Does Travel Insurance Cost for One Week?
Travel insurance costs typically ranges between $5 to $40 for a week and $9 to $80 for two weeks.
You can compare quotes using American Visitor Insurance trip insurance cost calculator. The price depends on factors such as coverage type, trip destination, and total trip cost. Basic plans are more affordable, while comprehensive options, including trip cancellation, medical emergencies, and baggage protection, tend to cost more.
How Much Does Travel Insurance Cost for 6 Months?
For a 40-year-old traveler, the cost of travel insurance for a 6 month trip typically ranges around $122 to $1,050, based different coverage options on American Visitor Insurance. The price depends on factors such as coverage levels, the destination, and the type of policy selected.
1 week
$5 – $40
2 weeks
$9 – $80
Estimated cost (age 40)
$122 – $1,050
Use our trip cost calculator to compare quotes instantly.
How to Estimate Trip Cost for Travel Insurance?
Customers always ask me how much they should put down to insure their trips. This is a very important question to consider. Firstly, because it directly affects the cost of your insurance policy and secondly because it will put a maximum on your trip cancelation and interruption benefit. First of all, you can only ever get back the non-refundable portion of your trip cost. And, you must be able to show the loss.
Check each refund policy carefully
When booking hotels, check the refund policy. If the policy is only 10%, you can insure up to 90% of that cost. Apply this logic to every pre-paid element of your trip.
Airbnb policies vary individually
Airbnb cancellation policies are not consistent across the same city. Assess each listing's refund terms individually when calculating your insurable amount.
Per-traveler costs may be required
While some plans accept a total or average trip cost, others require you to specify the cost per individual traveler. Check your plan's requirements before purchasing.
Track costs accurately
Keeping accurate records of your expenses helps keep your insurance premium down and ensures your refund is as accurate as possible if you need to claim.
Insuring all pre-paid, non-refundable expenses may be required
Technically, you can insure any portion of your trip. However, to access certain benefits such as the pre-existing condition waiver, "cancel for any reason," or "cancel for work reason" some plans require you to insure all pre-paid, non-refundable expenses.
How to Reduce the Trip Cancellation Insurance Cost?
- Trip cancellation insurance is expensive as it covers high-value, unpredictable risks that can result in large financial losses for vacationers.
- Trip cancellation insurance covers flights, hotels, cruises, and tours bookings and reservations, which can be thousands of dollars.
- It covers a wide range of cancellation reasons like Illness, death in the family, natural disasters, and job loss.
- Some Cancel for Any Reason (CFAR) travel insurance allow cancellation for any reason, often reimbursing 50-75% of trip costs.
- The more expensive your trip, the higher the insurance cost.
- Older travelers pay more because they have a higher chance of medical emergencies leading to trip cancellations.
You can lower the cost of travel insurance without compromising essential coverage by:
- Choosing only medical coverage by entering the trip cost as $0 if you don’t need trip cancellation coverage.
- Selecting a travel medical plan, which is cheaper than comprehensive coverage and most offer coverage for emergency medical evacuation.
- Selecting lower coverage limits, usually within $50,000 medical coverage, which is often enough for most trips.
What Factors Affect the Travel Insurance Cost from the US to Philippines?
The cost of Philippines visa insurance depends on the following:
The travel insurance price is directly proportional to the age of the traveler. The older the traveler, the higher the cost.
Comprehensive plans with broader coverage cost more. Travelers can choose between Single trip travel insurance or multi-trip insurance.
Higher coverage limits increase premiums, while higher deductibles can lower the cost.
Insurance costs vary by region. Coverage including the USA is typically more expensive.
Longer travel duration leads to higher insurance costs.
Add-ons like adventure sports coverage increase the overall premium.
General Information About Philippines
Capital
ManilaLocation
AsiaCurrency
Philippine PesoLanguage
Filipino, EnglishPopulation
Around 119 millionBest time to visit
December to FebruaryVacation spots
Manila, Boracay, Cebu, Bohol, Puerto Princesa Subterrenean, Baguio, EL Nido Palawan, Puerto Princessa, Mactan.Explore Philippines Most Loved Destinations for USA Travelers
The island of Cebu, in the central Visayas region, is considered the port to some of the best diving and snorkeling in the Philippines.
Coron Island is a tropical paradise, with electric blue and green water and popular for diving because of the numerous wrecks here.
Pagsanjan Falls also known as Cavinti Falls is one of the most famous waterfalls in the Philippines.
What Are the Travel Tips for Philippines?
- Island Hopping Plan: Due to the vast number of islands comprising the Philippines, one ought to determine the route immediately in order to eliminate lengthy travel gaps and be constrained by the limited ferry/flight schedules.
- Bring Cash for Local Places: The tiny islands, markets, and local diners still highly favor cash as the method of payment, especially in countryside areas where card processing machines may be out of order.
- Drink Water and use Sunscreen: The altitude and humidity are extremely high; if you wish to take the maximum of your sightseeing, then you have to drink a lot of water and apply sunscreen to your whole body to prevent suffering from heat exhaustion.
- Be a Good Tourist and Respect the Locals: All the same, Filipinos are very kind and welcoming—they will treat you so only if you do the same, and when you do make sure to say the right word “Salamat” (thank you), and also dress decently in the cultural areas.
- Use No More than Necessary and Be Careful: Although tourist zones are generally safe, it is still advisable to keep the most valued items near you and not to display expensive things as pickpockets can operate in crowded places.
- Be Careful with Local Transport You can widely use jeepneys, tricycles, and ferries, but also must always check the rates and the safety measures and deal only with the trusted companies.
- Have Travel Insurance Insurance is a must-have if you are considering an island trip, and so if you are participating in snorkeling, diving, hiking or even medical emergencies.
- Monitor Weather and Typhoon Season Typhoons usually hit the Philippines from June to November, hence, know the conditions and adjust your travel plans accordingly.
Annual Travel Insurance for Philippines from USA
- Ideal for frequent travelers such as business professionals or digital nomads making multiple international trips per year.
- The Annual multi-trip insurance for traveling to Philippines provides coverage for unlimited trips within a 12-month period, with each trip usually lasting 30-90 days.
- Offers significant savings compared to purchasing separate insurance for each trip.
- Ensures continuous coverage throughout the year without needing to buy a new policy for every trip.
- Particularly useful and cost-effective for business travelers.
- Requires the traveler to have primary health insurance in their home country.
US Expatriate Insurance
Health insurance for U.S. expats is essential for providing access to quality healthcare while living abroad. Expatriates often need coverage that goes beyond what their domestic U.S. health insurance provides because most U.S.-based health insurance plans do not cover medical expenses incurred outside the United States.
Get Quote »Travel Insurance for Seniors Visiting Philippines
- Older Americans traveling to the Philippines have unique travel insurance needs that standard health insurance plans may not fully address. Medicare generally does not provide coverage outside the United States, and the risk of unexpected illness or injury increases with age, making comprehensive travel medical insurance an important part of your trip.
- Before purchasing travel insurance for the Philippines, seniors should compare plans based on age eligibility, premium costs, medical coverage limits, emergency medical evacuation benefits, deductible options, and coverage for the acute onset of pre-existing conditions (where available). Since medical evacuation to the United States can be expensive, choosing a plan with strong evacuation benefits is highly recommended.
- GlobeHopper Senior Insurance from IMG is designed as a Medicare Supplement travel insurance plan for U.S. seniors age 65 and older. It offers up to $1 million in emergency medical coverage (through eligible ages), along with emergency medical evacuation benefits, helping protect travelers from the potentially high cost of unexpected medical care while visiting the Philippines.
- Traveling to the Philippines as a senior? Explore our dedicated guide, Best Travel Insurance for Seniors Visiting the Philippines , to compare senior travel insurance plans, understand age-based pricing, and find coverage options that include benefits for eligible pre-existing medical conditions and emergency medical evacuation.
Travel Insurance for U.S. Seniors With Medicare Coverage
- US citizens should realise that Medicare and its supplements provide very little coverage outside US borders.
- There is a travel health insurance plan specifically designed for older American travelers.
- Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior an affordable overseas travel medical insurance option for US citizens and US permanent residents 65 years and older.
- Provides $1 million coverage up to the age of 79 years
- Provides $100,000 coverage for travelers 80 years and older
- Includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition
- Includes $25,000 coverage for emergency medical evacuation
The GlobeHopper Senior plan is available in two options:
Unfortunately, plans cannot be renewed after their expiration date. To stay protected, travelers should renew or extend coverage before the plan expires. If your policy has already lapsed, you’ll need to purchase a new plan for your next trip.
Do I Need Medical Evacuation Travel Insurance for Traveling to Philippines?
Best medical insurance for travel to Philippines is ideal for US citizens who need coverage for expenses arising from international security evacuation, medical evacuation and repatriation can buy Medical evacuation insurance commonly called Medevac insurance.
Both WorldTrips Atlas Medevac and Seven Corners Medical Evacuation and Repatriation plans offer reliable coverage for U.S. citizens.
Why Travel Insurance Is Essential for Americans Visiting the Philippines
The Filipino-American community, with more than 4 million people living across the United States, has a strong presence in states such as California, Hawaii, Washington, Texas, Nevada, New York, New Jersey, Illinois, and Virginia. Many travel to the Philippines each year to visit family, attend weddings and religious celebrations, care for aging relatives, or manage personal and property investments. These trips often last two to eight weeks and typically involve visiting multiple cities and provinces.
The Philippines also attracts hundreds of thousands of U.S. travelers annually for vacations, business, diving, island adventures, and retirement planning. Popular destinations include Manila, Cebu, Boracay, Palawan, Bohol, Siargao, and Davao. While quality healthcare is available in major urban centers, medical facilities on smaller islands may be limited.
With the Philippines made up of more than 7,600 islands, a serious illness or injury may require emergency medical evacuation to a larger hospital or even back to the United States. Such evacuations can cost anywhere from $50,000 to $250,000.
Many Filipino-Americans mistakenly believe that their U.S. health insurance or Medicare will cover medical expenses overseas. However, most domestic health insurance plans provide little or no coverage outside the United States. A comprehensive travel insurance for Philippines helps bridge this gap by covering emergency medical treatment, hospitalization, surgery, prescription medications, emergency medical evacuation, repatriation of remains, trip cancellation and interruption, baggage loss, travel delays caused by severe weather such as typhoons, and 24/7 emergency assistance.
Travel insurance for Americans to Philippines available on American Visitor Insurance is particularly valuable for those visiting friends and relatives, as these trips often include domestic flights, ferry travel, multiple destinations, and extended stays in private homes. These factors increase the likelihood of travel disruptions, missed connections, and unexpected medical emergencies. Whether you're a Filipino-American returning home to reconnect with loved ones or a U.S. traveler discovering the Philippines, travel insurance offers valuable financial protection and peace of mind throughout your journey.
Get Quote »How Do I Get Travel Insurance for Philippines from USA?
Getting travel insurance for Philippines online is fast, easy, and secure. Follow these steps:
Consider what type of coverage you need: medical emergencies, trip cancellation coverage, lost baggage, travel delays, or coverage for pre-existing conditions.
You can easily compare best travel insurance for Philippines on American Visitor Insurance. We allow you to compare plans side by side based on the plan benefits, coverage limits, exclusions, and deductibles. For personalized assistance or any questions, call us at 877-340-7910 and our team will guide you through the process.
Select your travel dates, age, and trip information to receive an immediate quote for the plan that best covers your trip.
Read the insurance policy brochure, paying attention to exclusions, pre-existing condition coverage, and emergency services included.
Once satisfied, you can purchase the plan online. Most insurance providers will give you an instant insurance certificate to use digitally or as a printed copy.
Print a copy of your insurance policy and emergency contacts for quick access during your trip.
Where Can I Buy the Best Travel Insurance for Philippines?
You can buy travel insurance for the Philippines quickly and securely through American Visitor Insurance, a trusted U.S.-based platform specializing in travel medical insurance for Americans traveling worldwide.
Why Buy Through American Visitor Insurance?- Compare multiple plans easily: Compare travel insurance plans from leading U.S. insurance providers such as IMG, Trawick International, WorldTrips, BlueCross BlueShield, Travelex, Seven Corners, Global Underwriters, HTH Worldwide and Travel Insure Compare benefits, coverage limits, and pricing side by side to find the travel insurance plan that best fits your trip to Philippines.
- Coverage Tailored to Your Trip: Whether you're visiting the Philippines for a beach vacation, island hopping, scuba diving, business travel, visiting family and friends, studying abroad, or an extended stay, you can choose from a wide selection of travel medical and trip protection plans designed for different travel needs and budgets.
- Trip Cancellation & CFAR Options: Many comprehensive plans include trip cancellation, trip interruption, travel delay, baggage protection, and optional Cancel For Any Reason (CFAR) coverage, helping protect your prepaid, non-refundable trip expenses if your travel plans change unexpectedly.
- Helpful Resources to Make an Informed Choice: American Visitor Insurance offers destination guides, travel insurance FAQs, comparison tools, and expert resources to help you understand coverage options and select the right insurance for your trip to the Philippines.
- Affordable, Transparent Pricing: You'll receive the same prices offered directly by the insurance companies, with no hidden fees or extra charges, allowing you to compare plans confidently and purchase the best value for your trip.
- Fast & Secure Online Purchase: Buying travel insurance for the Philippines takes just a few minutes. Once your purchase is complete, your policy documents are emailed immediately, so you'll have proof of coverage before your departure.
- Experienced Licensed Customer Support: With over 20 years of experience in the U.S. travel insurance industry, American Visitor Insurance's licensed customer support team can answer your questions, explain policy benefits, assist with applications, help extend coverage, process cancellations, and guide you through the claims process if needed.
- Licensed & Trusted U.S. Insurance Platform:American Visitor Insurance is a licensed U.S.-based insurance agency (NJ License #1181604), providing a secure, reliable, and trusted platform for travelers to compare and purchase travel insurance online.
Whether you're exploring Manila, relaxing on the beaches of Boracay, diving in Palawan, surfing in Siargao, or visiting Cebu, American Visitor Insurance makes it easy to compare A-rated travel insurance plans and choose the coverage that best protects your trip to the Philippines.
Travel Insurance to Philippines From USA - FAQs
Excellent question and we work hard to find the best answer to this question! Given the unique needs of different US travelers there is no single Philippines travel insurance plan that always works best for everyone. If you are a traveler with concerns about an existing medical conditions, then you will be looking at different plans as opposed to a different traveler without any life-threatening pre-existing condition.
We endeavor to give US travelers as much relevant information as possible so they can find the best medical coverage when traveling in Philippines. Our Travel insurance for Philippines from US quote comparison tool helps US travelers compare different German visa travel insurance plans based on price and coverage in an objective manner. If you want some more guidance, our licensed agents are here to help you with your choice!
The regular US health insurance including Medicare provide little to no health insurance coverage outside US borders. International medical insurance for travel to Philippines provides health coverage and financial protection in case of unexpected events such as medical emergencies, trip cancellations or interruptions, lost baggage, or travel delays typically. Given that travel insurance usually costs only around 5% of the total trip cost, it is very logical for US citizens traveling overseas to buy the best travel insurance for Philippines. Healthcare costs can be high in Philippines, and travel insurance ensures that you have medical evacuation if needed and access to good medical assistance and treatment. If you would like additional guidance, our licensed agents are here to help you choose the right plan. Call us at 877-340-7910 for personalized assistance and answers to your travel insurance questions.
The travel insurance coverage will vary depending on the policy and insurance provider, but it typically includes
- Medical expenses: Coverage for emergency medical and dental treatment, hospital stays, and medical evacuation.
- Trip cancellation or interruption: Reimbursement for non-refundable expenses if the trip is cancelled or cut short due to covered reasons, such as illness, injury, or unforeseen circumstances.
- Baggage loss or delay: Compensation for lost, stolen, or damaged baggage, as well as reimbursement for essential items if your baggage is delayed.
- Travel delays: Reimbursement for additional expenses incurred due to delayed flights or other travel disruptions.
- Emergency assistance: 24/7 travel assistance services, including access to a helpline for emergencies, coordination of medical services, and help with lost documents.
Coverage for pre-existing medical conditions can vary depending on the insurance policy. Some travel insurance plans offer coverage for acute onset of a pre-existing conditions, while others may exclude them. It is important to carefully review the policy details and any exclusions or limitations related to pre-existing conditions using the comparison facility available on American Visitor Insurance.
When choosing travel insurance for your trip to Philippines, consider the following factors
- Coverage: Look for a policy that provides comprehensive coverage for medical expenses, trip cancellations, baggage loss, and travel delays.
- Policy limits: Ensure that the policy limits are sufficient to cover potential expenses, such as medical treatment or emergency evacuation.
- Exclusions: Carefully review the policy's exclusions and limitations, particularly regarding pre-existing conditions and high-risk activities.
- Cost: Compare the prices of different insurance providers while considering the coverage and benefits they offer.
- Customer reviews and reputation: Research the insurance provider's reputation, customer reviews, and claim handling process to ensure reliability and customer satisfaction.
When buying travel health insurance for Philippines, it is important to compare travel insurance policies from multiple providers to find the best coverage at the best price. This is achieved with ease at American Visitor Insurance, where prices and benefits of the different plans are displayed in an user friendly comparison tool. As a traveler, you should also carefully review the policy's brochure and understand the exclusions that are not covered.
Annual vacation that is once in a lifetime experience could be very expensive. Planning a vacation involves expenses from booking air tickets, cruise reservations, hotel bookings which is done months in advance. As life is not certain, we cannot predict what can happen in the future which can resulting in cancelling an expensive vacation or trip or making other trip arrangements.
Sometimes while on a trip an emergency medical situation may arise which can result in hospitalization and huge medical bills. Other risks involved maybe baggage loss, flight delay, trip interruption, loss of passport which can cripple your life savings.
Buying Trip protection insurance for Philippines can be a life and money saver which will cover most of the trip investment expenses and expenses arising from emergency travel and medical expenses.
Buy Trip Cancellation Insurance
Although Philippines travel insurance provides valuable protection, most policies have certain common exclusions that travelers should be aware of:
- Pre-Existing Medical Conditions: Most standard policies do not cover pre-existing illnesses unless specific coverage for acute onset of pre-existing conditions is purchased.
- High-Risk Activities and Adventure Sports: Activities like scuba diving, skydiving, bungee jumping, skiing, or mountaineering may be excluded unless the policy specifically includes adventure sports coverage.
- Intentional Acts or Illegal Activities: Injuries or losses resulting from illegal acts, criminal activity, or self-harm are typically not covered.
- Travel Against Government Advice: Travel to regions or countries that are under official government travel advisories or warnings is often excluded.
- Alcohol or Drug-Related Incidents: Accidents or medical expenses caused by alcohol or drug use are generally excluded.
- Non-Medical Pre-Existing Conditions: Some policies exclude mental health conditions or chronic conditions unless specifically added.
- Certain Natural Disasters or Epidemics: Losses due to earthquakes, floods, epidemics, or pandemics may be excluded unless a specific rider is purchased.
- Trips Cancelled for Uncovered Reasons: Standard trip cancellation insurance may not cover cancellations due to personal convenience or changes in work plans, unless a Cancel for Any Reason (CFAR) upgrade is purchased.
U.S. citizens looking for pre-existing condition coverage have more flexible options compared to visitors coming to the U.S. For example, the Outreach International, Patriot International Lite, and Patriot International plans provide coverage for pre-existing conditions and do not exclude chronic conditions.
However, the Outreach travel insurance plan requires that the insured person already has a primary health insurance plan in place. This is different from inbound-to-U.S. visitor plans (such as Patriot America Plus or Atlas America), which only cover the acute onset of pre-existing conditions and specifically exclude chronic or congenital conditions from that benefit.
Direct billing availability depends on the medical provider in the country where you receive care. Some international hospitals and clinics may bill the insurance company directly for covered medical expenses.
If direct billing isn’t available, you can pay upfront and file an online claim through your provider’s claims portal. Reimbursements are processed after claim review and approval.
Examples of Travel Insurance Plans Offering Global Provider Networks:
- Patriot International Lite from IMG: Includes access to the International Provider Access (IPA) Network, which helps locate hospitals that may offer direct billing worldwide.
- Seven Corners Travel Medical (Basic and Choice): Connects travelers to the Wellabroad.com network for provider search, claim tracking, and medical assistance while abroad.
- Single Trip Insurance from Blue Cross Blue Shield (BCBS): Utilizes the Blue Cross Blue Shield Global network, giving travelers access to a wide international network of trusted hospitals that may support direct billing in many countries.
If you are pregnant and planning to travel to the Philippines, carefully review the policy brochure's "Exclusions" section before purchasing. International travel insurance for US citizens plan like Atlas International offer coverage for complications of pregnancy during the first 26 weeks of gestation treated as a covered benefit rather than a pre-existing condition. Note that not all comprehensive plans include this benefit - for example, Patriot Platinum International explicitly excludes pregnancy complications, miscarriage, and delivery-related charges, so this exclusion should be checked carefully plan-by-plan. Our licensed advisors can help you review your specific situation contact usfor personalized guidance.
IMG Health Insurance for the Philippines -Top Picks for US Travelers
International Medical Group (IMG) is one of the most trusted names in international medical insurance for the Philippines among US travelers. IMG offers several plans specifically suited to US citizens traveling to the Philippines:
- Patriot International Lite Affordable travel medical insurance for Philippines trips, with $50,000 - $1,000,000 in coverage, acute onset of pre-existing conditions up to policy maximum (for travelers under 70), and access to IMG's global International Provider Access (IPA) network for direct billing at partner hospitals.
- Patriot Platinum International IMG's premium plan, with coverage up to $8,000,000, suitable for extended stays or travelers needing first-class international medical insurance for the Philippines.
- iTravelInsured Travel LX IMG's comprehensive trip cancellation plan, covering both medical expenses and non-refundable trip costs, ideal for travelers who want all-in-one travel health insurance for Philippines trips.
All IMG plans include 24/7 emergency assistance, and most support direct billing through IMG's worldwide provider network including major private hospitals in Manila, Cebu, and other Philippine cities.
View all IMG travel cancellation insurance plans »How Can I Get Cheap Travel Insurance to Philippines?
Cheap travel insurance for the Philippines can start from around $20 per month for a healthy young traveler on a travel medical plan, while basic trip protection plans for shorter trips may start at approximately $24. Premiums vary based on age, trip duration, coverage limits, and plan benefits.
5 Ways to Get Cheaper Travel Insurance for the Philippines- Choose travel medical only (skip trip cancellation): If you only need medical coverage only, not reimbursement for your flights and hotel a travel health insurance for Philippines plan can be 60 - 70% cheaper than a comprehensive trip cancellation plan.
- Increase your deductible: Moving from $0 to $250 can meaningfully reduce your monthly premium on most plans.
- Choose a lower policy maximum: For a healthy 30-year-old on a 2-week trip, $50,000 coverage is often adequate and far cheaper than $500,000.
- Consider annual travel insurance for the Philippines: If you travel to the Philippines more than twice a year, an annual multi-trip travel insurance plan
- Compare side by side: Use the free quote comparison tool above to see all plans and prices in real time - it takes under 2 minutes.
Do I Need Travel Insurance for the Philippines? Is It Mandatory?
Travel insurance is not mandatory for most US citizens visiting the Philippines, but it is strongly recommended. Medicare generally does not provide coverage outside the United States, and many US health insurance plans offer limited or no overseas coverage. Travel insurance can help cover emergency medical expenses, hospitalization, medical evacuation, trip cancellations, travel delays, and lost baggage while visiting the Philippines.
Is Maxicare Philippines the Same as Travel Insurance?
No. Maxicare is a Philippine health maintenance organization (HMO) designed primarily for residents of the Philippines. It is not a substitute for travel insurance for US citizens visiting the Philippines. Most Maxicare plans are intended for local healthcare services and may not provide the international travel benefits that US travelers need, such as emergency medical evacuation, repatriation, travel assistance, and coverage coordination before departure. Travelers from the USA should consider purchasing a dedicated Philippines travel insurance plan through American Visitor Insurance to help protect against unexpected medical expenses and travel-related emergencies during their trip.
Can I Use My American Health Insurance in the Philippines?
In most cases, no. Standard US health insurance plans, including Medicare, employer-sponsored plans, and ACA marketplace plans, generally do not cover medical expenses incurred in the Philippines. Even plans that offer limited international benefits often require travelers to pay expenses upfront and submit claims for reimbursement.
Medical insurance for travel to Philippines Plans like Atlas International, Patriot International Lite, and Safe Travels Outbound are designed specifically to fill this gap by covering emergency medical expenses, hospitalization, physician visits, and emergency medical evacuation while abroad.
Why Do US Citizens Need Travel Insurance for the Philippines?
Whether you are looking for travel insurance from USA to Philippines for a vacation, family visit, or business trip, US citizens need dedicated international travel insurance for the Philippines because standard US health insurance, Medicare, and most domestic plans provide little to no coverage once you leave American borders. On American Visitor Insurance you compare and buy the best travel insurance from the USA to the Philippines, covering emergency medical expenses, trip cancellation, medical evacuation, and more - all from top-rated US insurers.
Medical insurance for travel to the Philippines is essential for any US citizen making this trip. Philippine hospitals especially private facilities in Manila and Cebu can charge international patients significantly more than locals, and without adequate travel health insurance for the Philippines, a single emergency hospitalization could cost thousands of dollars out of pocket.
Travel health insurance for Philippines trips from the USA typically covers:- Emergency hospitalization and medical treatment
- Doctor and urgent care visits
- Prescription medications for covered conditions
- Emergency medical evacuation
- Repatriation of remains
- Acute onset of pre-existing conditions (plan dependent)
The right medical insurance for the Philippines depends on your age, health, and trip duration. Use the quote comparison tool above to compare plans and prices instantly, or speak with a licensed advisor for a personalized recommendation.
Travel Insurance Reviews for Philippines from USA
Reviews, Ratings and Experiences from our customers
"I am always appreciating good business conduct and when I am coming back here for the longer time span."
"Thanks so much for your help American Visitor Insurance Customer Support, your service was fantastic."
"Thank you American Visitor Insurance! You went way beyond what I would expect from an insurance company when we needed."
Philippines Embassy and Consulates in United States
Address
1600 Massachusetts Avenue NW, 20036, Washington D.C., District of Columbia, United States
Phone
+1-202-4679300
Fax
+1-202-3287614
Email
ushwashpe@aol.com
Address
122 S Michigan Avenue, Suite 1600, 60603, Chicago, Illinois, United States
Phone
+1-312-583-0621
Fax
+1-312-583-0647
Email
chicagopcg@att.net
What Is Not Covered by Best Travel Insurance for U.S. Visitors to Philippines?
Best travel insurance for U.S. visitors to Philippines plans offer extensive coverage, there are still some exclusions that U.S travelers should be aware of, such as:
- Substance Abuse: Expenses that are incurred due to alcohol/drug abuse by the insured are not covered.
- Self-Inflicted Injury: Any kind of injury that is intentionally attempted on one's self such as suicide attempt and others and the consequential hospitalization and expenses will not be covered.
- Illegal Instances: The expenses incurred out of any kind of accident or injury arising by breaching the law and regulations of the foreign country will not be covered.
- Acts of War: Expenses incurred as a result of international war or nuclear perils will not be covered.
- Hazardous or Sports Activities: Expenses incurred due to injury while carrying out any kind of hazardous activities like adventurous sports or stunts will not be covered.
- Dental Treatment: Any dental related treatment which is a planned treatment will not be covered.
Always make sure to read your policy’s exclusions carefully before you purchase the plan so that you will know exactly what coverage is provided and what isn’t covered during your trip to Philippines.
Useful Travel Insurance Resources for Philippines
FAQs about Philippines travel insurance requirements.
Read More →Blog about travel health insurance Philippines travelers.
Read More →Customer Queries for USA travelers to Philippines travelers.
Read More →Which Are the Best Travel Insurance Companies for US Citizens?
You can find reliable U.S. travel insurance providers through American Visitor Insurance, including International Medical Group (IMG), HTH Worldwide, Trawick International, Seven Corners, Travelex Travel Insurance, Blue Cross Blue Shield (BCBS), Berkshire Hathaway Travel Protection (BHTP), WorldTrips.
