An archipelagic country in Southeast Asia, the Republic of the Philippines consists of more than 7000 islands. The beautiful tropical nation is home to well-known metropolises, rice paddies, iconic surf spots, volcanoes, and beautiful endemic wildlife. Also known for its diversity, this popular holiday destination is on every Indian traveller's bucket list.
If you plan to visit, consider investing in Philippines Travel Insurance. It offers financial coverage against various unforeseen contingencies that could occur on your trip. With this, you can make the most of your trip, stress-free and within budget. Let’s take a detailed look into the key factors of travel insurance and other information about the Philippines, like the best time to visit and popular tourist spots that you need to know.
Some of the main features of Philippines travel insurance are listed below:
Key features | Details |
Extensive coverage | Covers against medical, journey and baggage-related issues. |
Cashless benefits | Offers cashless benefits through multiple network hospitals. |
COVID-19 coverage | Covers COVID-19-related hospitalisation. |
24x7 customer support | Around-the-clock prompt customer support. |
Quick claim settlements | Dedicated claims approval team for faster claim settlements. |
Wide coverage amount | Overall coverage amounts from $40K to $1000K. |
You can choose from the different types of travel insurance for Philippines in accordance with your trip requirements. The main options are;
Some of the essential benefits of having Philippines travel insurance for the trip are;
Having comprehensive Travel Insurance will ensure your holiday is a stress-free experience. In case of any medical emergencies, you can focus on getting adequate and necessary attention without the hassles of arranging ready money or stressing about burning a hole in your pocket.
During any holiday, unexpected situations can occur. Travel insurance for the Philippines can effectively tackle this. HDFC ERGO offers 24/7 customer care and a dedicated claims approval team to ensure smooth processing in your time of need.
Medical and dental emergencies overseas while on holiday are quite often, if not common. While on vacation in the Philippines, this possibility stays valid. So, in case of such unexpected emergencies, having Philippines Travel Insurance is essential so you can be financially prepared for any situation.
HDFC ERGO’s travel insurance for the Philippines also covers non-medical contingencies that may happen during the trip, including common journey and baggage-related inconveniences, such as personal liability, hijack distress allowance, financial emergency assistance, loss of baggage and personal documents, etc.
The cashless claim benefit is one of the highlights of having Philippines travel insurance. Alongside reimbursements, individuals can opt for cashless treatment when faced with a medical emergency in a foreign land. With over 1 lac partnered hospitals under its network worldwide, individuals can make the most of prompt medical service.
With affordable travel insurance from India to the Philippines, you can enjoy your vacation stress-free as financial assistance will always be ready for you. This way, you get to save your money in case of emergencies, allowing you to stay within your travel budget. The many benefits of travel insurance easily outweigh its costs.
Here are some of the things that are usually covered under travel insurance for Philippines from India;
This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.
We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.
We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.
We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.
If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.
Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.
In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.
Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.
Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.
If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.
Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions
Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.
Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.
When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.
Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.
Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.
Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.
The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.
Your travel insurance for Philippines from India policy may not offer coverage for:
Sickness or health issues caused due to war or a breach of the law is not covered by the plan.
If you consume any intoxicants or banned substances, the policy shall not entertain any claims.
If you suffer from any illness before the travel you’ve insured and if you undergo any treatment for an illness that already exists, the policy does not cover expenses related to these incidents.
Should you or any member of your family opt to undergo any cosmetic or obesity treatment during the course of the travel you’ve insured, such expenses remain uncovered.
Any hospitalization expenses or medical costs arising from self-inflicted injuries are not covered by the insurance plans we offer.
If you want to buy travel insurance online for Philippines, the following are the steps that you need to follow:
• Click here link, or visit the HDFC ERGO travel insurance webpage to BUY our policy.
• Enter traveler details, destination information, and trip start and end dates.
• Choose your preferred plan from our three tailored options.
• Provide your personal details.
• Fill in additional details about the travelers and proceed to pay using online payment methods.
• All that's left to do is- download your policy instantly!
Categories | Specification |
Language | A linguistically diverse nation, the Philippines has over 170 dialects, while Filipino is its official language. |
Geography | The Philippines consists of 7641 islands, making it one of the largest archipelagos in the world. It is said that traveling and covering each of these islands would take a whopping 21 years. |
Religion | More than 86% of the Philippine population is Roman Catholic, making it a very influential religion. So much so that Christmas here starts as early as September. |
Culture | Locals here are globally known to be very polite, and they give the utmost respect to their elders. |
If you are planning on visiting the Philippines for tourism purposes, you will need to apply for a tourist visa. Here are the documents required for a Philippines tourist visa;
• Passport/Travel Document (Validity of at least 6 months after the intended period of stay)
• Duly signed visa application form
• Itinerary details
• Proof of bona fide status as a tourist or businessman
• Proof of hotel bookings
• Confirmed flight tickets, including return or onward journey to the next port of destination
If you want to travel to Philippines, here’s the best time to visit:
The Philippines is a tropical archipelago in Southeast Asia. This means the average year-round weather is hot and humid. The best time to visit the Philippines is between December and February. During the end and start of the year, this region is relatively cooler when it comes to the temperature, and rainfall takes a backseat, enabling easier commuting and favorable travel conditions.
It gets warmer and considerably unfavorable between March and May, the summer months in the Philippines. Sightseeing and travel can be uncomfortable, considering the high humidity during this time of the year. You can always opt for higher destinations as an alternative, like the Banaue Rice Terraces, or spend most of your time in and around the water bodies to cool off, like beaches. From June to October, rainfall makes travel by flights, cars, and boats difficult. Also, with the possibility of cyclones, group holidays are usually not functional at this time. Nonetheless, you can always opt for tailor-made holiday plans throughout the year.
Ensure that you have Philippines Travel Insurance for coverage against unforeseen circumstances during your trip.
Essential items to pack for your trip to Philippines year-round:
• Passport and travel documents
• Philippines travel insurance information.
• Comfortable walking shoes for exploring landscapes.
• Bag to keep important things like phones and documents dry during the rains
• Umbrellas and windcheaters
• Reusable water bottles to stay hydrated.
• Camera and electronic/ portable chargers/adapters.
• Lightweight SPF sunscreen, breathable clothing, swimsuits, and sandals for beaches.
• Torch, mosquito repellents, essential medications for hiking, cave visiting, etc.
• Light jacket, scarf, or cardigan for cooler evenings.
Here are some safety precautions you should take before and during your trip:
• Research your route and places to visit in your itinerary in advance.
• Instances of robbery and street crime, often involving firearms and weapons, are common. So, it is vital to stay vigilant at all times.
• Avoid openly displaying cash or expensive jewelry that may attract unwanted attention.
• Use reputable, trusted taxi services from well-known companies. This included travel to and from airports and within the country.
• Always have IDs with you at all times.
• Public offenses can result in severe judicial sentences. Foreign nationals who break the law have been known to spend years in jail.
• Punishments for importing drugs are particularly severe.
• Swimming and surfing on beaches do not necessarily involve lifeguards on site. Get advice and guidance from your hotel or local guide on the subject.
• There is a high risk of natural calamities, such as typhoons, earthquakes, and volcano eruptions. Ensure you have handy all necessary contacts for emergencies.
• Always have Philippines Travel Insurance in case of any unforeseen circumstances.
One of the fastest and most convenient ways to reach the Philippines from any part of the world is via flight. Here's a list of the major international airports in the Philippines;
City | Airport Name |
Manila | Manila Ninoy Aquino International Airport |
Pampanga | Clark International Airport |
Laoag City | Laoag International Airport |
Cebu | Mactan-Cebu International Airport |
Kalibo | Kalibo International Airport |
Palawan | Puerto Princesa International Airport |
Iloilo | Iloilo International Airport |
Davao City | Francisco Bangoy International Airport |
If you are looking for places to visit during your Philippines trip, consider the options mentioned below;
Known as the ‘City of Angels,’ Angeles City is a popular tourist attraction in the Philippines. Its rich colonial history, bustling modernity, and entertainment hub make it one of the most loved and visited cities for tourists. Here, you can enjoy fancy hotels, busy malls, luxurious casinos, and more.
A popular tourist destination for beach fans, Cebu is an island perfectly maintained to give you a memorable trip. Enjoy its stunning waterfalls, sunny white sand beaches, and diving sights that let you explore coral gardens and swim with turtles and white-tip sharks.
The City of Manila is the capital of the Philippines and is the second most populated metropolitan in the country on the island of Luzon. It is also one of the wealthiest cities in Southeast Asia, thanks to its ever-increasing concrete jungle and 1 million tourists per year visitation record.
Manila was the center of power during Spanish colonial rule. Intramuros remain for the massive fortified city. This site is filled with history that can transport you back in time. A single visit here can teach you about life back in the day, the struggles, and the influence of the Spanish occupiers.
This is the second largest city in the Philippines but one of the least densely populated ones. It is home to gorgeous white sand beaches and a UNESCO heritage site - the underground river, which thousands of tourists visit every year.
Another UNESCO World Heritage site is the city of Vigan. Located in the northwestern region of Luzon, this city is renowned for its Spanish architecture, which includes cobblestone streets, centuries-old houses, churches, and plazas.
Here are some popular things you can consider doing in the Philippines during your visit;
• Take a tour of the Puerto Princesa Subterranean River National Park, a UNESCO World Heritage site and a true wonder of nature.
• Enjoy the finer things in life in Makati, the financial and leisure hub of the Philippines.
• Go diving, snorkeling, kayaking, whale watching, and dolphin spotting at Panagsama Beach.
• Explore Hinagdanan Cave, a stunning limestone cave that is naturally lit by sunlight peeking through the small openings.
• Enjoy the 2,000-year-old Batad Rice Terraces, one of the four famous rice terraces of Ifugao.
• Immerse yourself in the breathtaking view of the Mayon Volcano.
• Go back in time by visiting the iconic Fort Santiago, an unmissable landmark and an ancient shrine dedicated to the freedom of the Philippines.
If you are planning a Philippines trip on a tight budget, here are some tips you can follow to save money;
• Food and drinks can cost you a bomb if you are visiting top cities like Manila. A good way to balance this is by eating at local street joints. The food at these comparatively cheaper outlets can save you a lot yet give you the real essence of the food consumed in the Philippines.
• When it comes to transportation, flights can be heavyweights in your wallet. But keep an eye out for value deals with airlines like Air Asia, one of the cheapest airlines in the Philippines. Ferries are a great way too to save up on unnecessary spending in and around the islands of the Philippines. There are decent bus services too available for long-distance travel that you can opt for.
• Water activities are generally considered cheaper in the Philippines compared to global standards. This means you can do all the activities that you like without burning a big hole in your pocket. However, carefully researching your activity and the companies that provide it is vital to get the best deal.
• Carry reusable water bottles that you can fill with filtered water rather than spending money on new water bottles every day.
• Choose your travel time wisely. While peak tourist season will have price surges, off-season travel can also be considered, and it can still offer a great holiday experience.
• Lastly, always have Philippines Travel Insurance to help you financially in unforeseen circumstances.
Here are some popular Indian restaurants across the Philippines that you can check out during your visit;
Taj Indian Restaurant
Address: City Time Square, Tipolo, Mandaue City
Popular dishes: Chicken Samosa, Ghee Paratha, Chicken Finger Pakoda
Cherry's The Spice Restaurant
Address: Giv. M. Cuenco Avenue, Banilad, Cebu City
Popular dishes: Tomato Uttapam, Rave Dosa, Dal Makhani
Royal Indian Curry House
Address: 5345 General Luna Street, Poblacion, Makati City
Popular dishes: Matki Chicken, R.I.C.H Grand Tandoori Grilled Platter
Little India
Address: 24-F Malingap Street, Teachers Village, Quezon City
Popular dishes: Samosa Chaat, Mushroom Mutter Masala
While visiting the Philippines, make sure to respect and follow the local laws and etiquette. Here are some things you may find helpful;
• The drug laws in the Philippines are extremely harsh. Ensure you do not get involved in any drug-related offense.
• The Philippines is a Catholic-dominated country with a strong value placed on their religious beliefs; any inflammatory or derogatory remarks can land you in trouble.
• Queue cutting is a punishable offense in the Philippines (Anti-Singit Law), so make sure to wait your turn in queues across the country.
• Filipinos dress modestly, especially in public. Ensure to follow this protocol.
• Try and accept refreshments offered by locals; refusing to do so is considered impolite.
• Filipinos are considered to be very polite, courteous people. Mannerisms including words like ‘sir’, and ‘ma’am’ are very common.
There is currently no Indian Embassy in Philippines. However, the Embassy of India, Armenia, is concurrently accredited to Philippines.
Philippines-based Indian Embassy | Working Hours | Address |
Embassy of India, Manila, Philippines | 9000 hrs to 1730 hrs (Weekdays except holidays) | 2190 Paraiso St., Dasmariñas Village, Makati, Metro Manila |
Take your pick from the options below, so you can be better prepared for your trip to a foreign country
Source: VisaGuide.World
International travel insurance makes flight delays, loss of baggage and other journey-related inconveniences less bothersome.
No, travel insurance in the Philippines is not compulsory. However, it is highly recommended that you opt for a comprehensive travel insurance policy while travelling abroad to be financially prepared for any unforeseen circumstances.
The total cost of your insurance plan will vary depending on various factors, such as the duration of your holiday, the number of people, their ages, etc.
Travel insurance is not compulsory to enter the Philippines, but having one for yourself and those you are traveling with would be a wise decision.
No documentation is required for travel insurance to Phillipines.