Whether you're exploring the vibrant cities, beautiful beaches, or lush tropical landscapes, travel insurance is an essential step to ensure a worry-free journey to the Philippines. Explore our tips and find the perfect cover for your adventure in this island paradise. Travel with confidence with 1Cover Travel Insurance... It's the One thing you need when One thing goes wrong.
Unlimited medical benefits should you get sick or have an accident including 24-hour emergency medical assistance, ambulance fees and medical evacuations.
Cover for riding mopeds and scooters, as long as you hold the appropriate licence. Full T&Cs apply.
Cover for luggage and personal effects stolen, lost or damaged during travel.
Covers cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances.
Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey.
We cover a wide range of activities with the purchase of our Adventure & Sports Pack. Find out more about activities cover here.
Smartraveller currently reccommends exercising a high degree of caution in the Philippines. There is a 'do not travel' advisory active for some areas due to the ongoing threat of terrorism.* Remain aware of Smartraveller advice and any travel alerts for this region.
*accurate at time of writing on 24/02/2025
In the event of a terrorist attack or political unrest, there is no cover for cancellation fees and lost deposits, disruption of journey or alternative transport expenses. However cover is available for all necessary medical/hospital expenses, including the cost of bringing you back to your home.
If it is deemed that drug or alcohol use could have been a contributing factor to your claim you will most likely not be covered. Our policy states that any claim arising from being intoxicated, addicted or under the influence of liquor or drugs, except those prescribed by a Medical Adviser, will not be covered. Find out more about alcohol cover here.
No, Australian citizens can visit the Philippines for up to 30 days without a visa. If you are planning on staying longer than this or travelling for non-leisure purposes, visas will need to be obtained.
No vaccinations are required for entry into the Philippines, however Hepatitis A, Typhoid, Tdap and MMR are generally recommended. Check out our full vaccination guide here.
Travel Insurance policies are not valid if you have moved to another country such as the Philippines and you are now living there. However if you are planning a longer stay in the Philippines our policies cover you up to 12 months in duration.
Overseas Emergency Medical Assistance: Includes 24-hour emergency medical assistance, ambulance fees, medical evacuations, funeral arrangements, and messages to family and hospital guarantees.
Overseas Emergency Medical And Hospital Expenses: Cover if you are injured or become sick overseas, including; medical, hospital, surgical and nursing.
Dental Expenses: Cover for your emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
Additional Accommodation & Travel Expenses: Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas).
Family Emergency: Cover for additional travel expenses if your travelling companion, or a Relative of either of yours, dies unexpectedly, is disabled by an injury or requires hospitalisation.
Emergency Companion Cover: Cover for additional travel and accommodation expenses if your travelling companion cannot continue their Journey because of an injury or sickness.
Resumption Of Journey: Cover for the cost of airfares for you to resume your journey if you return home because of the unexpected death or hospitalisation of a relative of yours.
Hospital Cash Allowance: Hospital Cash Allowance
Permanent Disability: A permanent disability benefit is payable for total loss of sight in one or both eyes or loss of use of a hand or foot (for at least 12 months, and which will continue indefinitely) within 12 months of, and because of, an injury sustained during your journey.
Loss Of Income: A weekly loss of income benefit is payable if you become disabled within 30 days of an injury you sustained during your journey, and you are still unable to work more than 30 days after returning to Australia.
Credit Card Fraud & Replacement: Cover for the replacement cost of your credit cards lost or stolen from you during your journey, and loss resulting from fraudulent use.
Travel Documents & Traveller's Cheques: Cover for the replacement cost of your travel documents including passports, travel documents or travellers cheques lost or stolen from you during your Journey.
Theft Of Cash: Cover for the following items stolen from your person; banknotes, cash, currency notes, postal orders and money orders.
Luggage & Personal Effects: Cover for luggage and personal effects stolen, lost or damaged during travel. Common claims include luggage, personal effects, cameras, spectacles and a computer.
Luggage & Personal Effects Delay Expenses: Cover to purchase essential items of clothing and other personal items following Luggage delayed and Personal Effects being delayed, misdirected or misplaced by your carrier for more than 12 hours.
Cancellation Fees And Lost Deposits: Covers cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you, and which are outside your control, such as; sickness, injuries, strikes, collisions, retrenchment and natural disasters.
Disruption Of Journey: Cover for additional meals and accommodation expenses, after an initial 6 hours delay, if your Journey is disrupted due to circumstances beyond your control.
Alternative Transport Expenses: Cover for additional travel expenses following transport delays to reach events such as; a wedding, funeral, conference, sporting event and pre-paid travel/tour arrangements.
Personal Liability: Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
Rental Vehicle Excess: Cover for the excess payable on your rental vehicle's motor vehicle insurance resulting from the rental vehicle being; Stolen, crashed or damaged and/or cost of returning the rental vehicle due to you being unfit to do so.
Here are five great reasons Aussie's should visit the Philippines:
1. Stunning Beaches & Islands – The Philippines is home to over 7,000 islands, offering some of the world's best beaches. From the famous white sands of Boracay to the crystal-clear waters of Palawan and Siargao, there's a beach for every traveler.
2. Rich Culture & History – With its mix of indigenous, Spanish, and American influences, the Philippines offers a vibrant culture to explore. From beautiful old Spanish churches to the unique festivals like Sinulog in Cebu, the culture is diverse and rich.
3. Budget-Friendly Travel – Compared to many popular destinations, the Philippines offers great value for money. Accommodation, food, and activities are often more affordable than those in other Southeast Asian countries, making it an ideal destination for Aussie travellers.
4. Amazing Diving & Snorkelling – The Philippines is a diver’s paradise. With famous spots like Tubbataha Reefs Natural Park (a UNESCO World Heritage Site) and Apo Island, you can explore some of the most biodiverse marine life in the world.
5. Friendly Locals & Warm Hospitality – Filipinos are known for their warmth and friendliness. Aussies often find the people easy to connect with, and you’ll feel welcome from the moment you arrive. It’s the perfect place to make new friends and feel at home.
Our emergency assistance team are available to help you 24 hours a day, 365 days a year, no matter where you are in the world.
We’re recognised with awards for exceptional products and service by industry experts Canstar, Mozo and Product Review.
Whether you're buying a policy or making a claim, one of our friendly travel insurance experts will be able to assist you.
We’ve covered over 2 million travellers and their holiday adventures worldwide. Here’s what our customers have to say.
We make it easy to declare your pre-existing medical conditions and apply for cover with a simple online assessment.
1Cover ® is a registered trademark of 1Cover Pty Ltd. 1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. Before you buy, please read the Product Disclosure Statement and Target Market Determination. Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Product Disclosure Statement (‘PDS’). Before you purchase, please note in particular, the eligibility criteria, travel warnings in place and limitations to claim under multiple policy sections.
This insurance is underwritten by HDI Global Specialty SE – Australia.
AU
NZ 