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TRAVEL INSURANCE FOR THE PHILIPPINES
If hiking through emerald forests, swimming in pristine water under year-round sun, or sharing in a rich multi-ethnic culture interests you, then look no further than the Philippines. Scroll on down for our handy guide on visas, getting around and the must-see spots in this nation of more that 7600 islands. Zoom's Philippines travel insurance has you covered for any unexpected holiday hurdles. Cover includes medical expenses should you fall sick or become injured, as well as cover for trip cancellation, lost luggage, family emergencies and more! What are you waiting for? Zoom to it!
PHILIPPINES QUICK GUIDE
Located on the Pacific Ring of Fire, the Philippines is host to earthquakes, typhoons, and some of the most incredible natural landscapes on the planet. With rich exchanges with Asian, European and Middle Eastern communities, it is also home to a diverse range of historical sites and cultural experiences.
Go on, zoom to the Philippines and find out for yourself!
No matter which kind of Philippines experience you're planning, Zoom can cover your trip with a range of plans. You can minimise your costs with Medical Only cover, or choose to buy Comprehensive Travel Insurance for extra protection to cover things like travel delays and cancellation. Compare Zoom's Travel Insurance plans online today.
VISAS FOR THE PHILIPPINES
Australians and Kiwis staying in the Philippines for less than 30 days generally don't need a visa, but the Bureau of Immigration generally requires proof of onward travel (usually in the form of a return ticket). If you're staying longer, be sure to arrange a visa before you arrive.
Visa requirements can change quickly. For up-to-date information, contact your nearest Embassy or Consulate of the Philippines, or check with the Philippines Bureau of Immigration.
Visa requirements can change quickly. For up-to-date information, contact your nearest Embassy or Consulate of the Philippines, or check with the Philippines Bureau of Immigration.
ON ARRIVAL
No matter where in the Philippines you're going, there is a budget flight, bus or ferry that will get you there, with most flights routing through Manila or Cebu.
If you're on a budget, make sure you get a white taxi which runs on the meter. If a driver is asking for a fixed price upfront, it's probably more than a metered trip.
If you're on a budget, make sure you get a white taxi which runs on the meter. If a driver is asking for a fixed price upfront, it's probably more than a metered trip.
GETTING AROUND
First, the bad news. Roads are poorly developed or maintained - less than a quarter of the roads are paved - and drivers often adopt a more frenetic pace that you may be used to. Always adopt a defensive driving style if you're hiring a car, and consider hire vehicle excess insurance.
Buses are cheap, and often slow, indirect and cramped. The bigger bus companies which target tourists have newer and more comfortable (read: air-conditioned) vehicles. But they go almost anywhere, and are a great way to see the diversity of the Philippines.
Catch a jeepney! What's a jeepney? It's a modified American army jeep left behind after the Second World War. These are the primary form of transport in many cities, with their routes written on the side, and start at around eight pesos for an intratown trip.
With thousands of islands, a great way to get around is via ferry. From the proper ferries (100s-plus passengers), to big bangkas (50) and bangkas (up to 10), they will get you to places that are otherwise inaccessible. They have something of a poor safety record, so for longer journeys, a budget flight is recommended.
Buses are cheap, and often slow, indirect and cramped. The bigger bus companies which target tourists have newer and more comfortable (read: air-conditioned) vehicles. But they go almost anywhere, and are a great way to see the diversity of the Philippines.
Catch a jeepney! What's a jeepney? It's a modified American army jeep left behind after the Second World War. These are the primary form of transport in many cities, with their routes written on the side, and start at around eight pesos for an intratown trip.
With thousands of islands, a great way to get around is via ferry. From the proper ferries (100s-plus passengers), to big bangkas (50) and bangkas (up to 10), they will get you to places that are otherwise inaccessible. They have something of a poor safety record, so for longer journeys, a budget flight is recommended.
BEST TIME TO VISIT
Tourist season in the Philippines is the dry season, from November to April. The temperature can be unbearable to visitors during March and April - rarely dipping below 35*C, so consider November to February if you want to beat the heat. The wet season - May to October - has fewer people but also a lot more rain, including typhoons around July and August!
WHERE TO GO
Be warned - with more than 7000 islands, you'd spend over 20 years trying to visit each Filipino island for just one day. A good idea for first-timers is to stick to one or two cities, and have day trips to close-by islands.
The capital, Manila, features a number of pre-colonial, colonial and revolutionary landmarks, including Fort Santiago, a 16th-century citadel, and the San Miguel heritage district. Also stop by Yuchengo Museum, with a wing dedicated to revolutionary hero, Jose Rizal, or for the more bizzare, see notorious former First Lady Imelda Marcos' shoe collection in the Marikina Shoe Museum.
South of Manila, southern Luzon has great natural experiences, such as whale shark snorkelling areas and Mount Mayon Volcano, but also fun man-made ones, including the Enchanted Kingdom and Sky Ranch theme parks.
Check out Cebu for incredible dive sites, such as the reef at Langilan, or look for unique cultural sites, such as the Basilica del Santo Niño - a Catholic church founded in the 1560s after a sighting of Jesus - or the Taoist Temple.
Love wildlife? Go to Loboc for its famous Tarsier Sanctuary, home to one the cutest/weirdest primates on Earth.
The capital, Manila, features a number of pre-colonial, colonial and revolutionary landmarks, including Fort Santiago, a 16th-century citadel, and the San Miguel heritage district. Also stop by Yuchengo Museum, with a wing dedicated to revolutionary hero, Jose Rizal, or for the more bizzare, see notorious former First Lady Imelda Marcos' shoe collection in the Marikina Shoe Museum.
South of Manila, southern Luzon has great natural experiences, such as whale shark snorkelling areas and Mount Mayon Volcano, but also fun man-made ones, including the Enchanted Kingdom and Sky Ranch theme parks.
Check out Cebu for incredible dive sites, such as the reef at Langilan, or look for unique cultural sites, such as the Basilica del Santo Niño - a Catholic church founded in the 1560s after a sighting of Jesus - or the Taoist Temple.
Love wildlife? Go to Loboc for its famous Tarsier Sanctuary, home to one the cutest/weirdest primates on Earth.
MUST KNOW TIPS
Cash is king - unless you're planning a luxury vacation, you'll find that backpackers hostels, street food, etc are all cash only. Some towns don't have ATMs, so always have a secret stash packed away in case you find yourself in a digital black hole (hint: you will).
Don't overplan and definitely don't plan to arrive on time. Not only is this unlikely with traffic being what it is, it is also kind of rude when visiting people's homes! A good rule of thumb is to be there 15 minutes later than invited.
Don't overplan and definitely don't plan to arrive on time. Not only is this unlikely with traffic being what it is, it is also kind of rude when visiting people's homes! A good rule of thumb is to be there 15 minutes later than invited.
ZOOMING ELSEWHERE?
Are you planning to zoom somewhere else on your holidays? Whether your next stop is Nepal or you're calling on Cambodia we've got plenty of helpful advice on other popular travel destinations to check out. What are you waiting for? Zoom to it!COMPARE PHILIPPINES TRAVEL INSURANCE
COMPARE PLANS(Benefits are per adult) Expand to see benefits & limits in detail
|
Medical Only | Standard | Comprehensive |
|---|---|---|---|
|
Emergency
|
included | included | included |
| 24/7 Emergency Assistance Service | included | included | included |
| 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements. | |||
|
Medical
|
unlimited | unlimited | unlimited |
| Overseas Emergency Medical & Hospital ExpensesSO | unlimited | unlimited | unlimited |
| Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas. | |||
| Dental ExpensesO | $1,000 | $1,000 | $1,000 |
| Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth. | |||
| Repatriation Of RemainsO | $25,000 | $25,000 | $25,000 |
| Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia. | |||
| Hospital Cash AllowanceSO | $2,500 | $5,000 | |
| An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas. | |||
| Permanent DisabilityO | $25,000 | ||
| A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip (no excess applies). | |||
| Loss of IncomeSO | $10,400 | ||
| Weekly payment you received if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work in your usual occupation for more than 30 days after returning to Australia. (no excess applies) | |||
|
Luggage & Personal Items
|
$5,000 | $10,000 | |
| Travel Documents & Transaction CardsO | $2,000 | $5,000 | |
| Reimburses you for the cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution. | |||
| Luggage & Personal EffectsAS | $5,000 | $10,000 | |
| Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones. | |||
| Theft of CashPO | $250 | ||
| Reimburses you for cash, bank notes, currency notes, or money orders stolen whilst on your person during your journey. | |||
| Luggage & Personal Effects Delay ExpensesASO | $500 | ||
| Cover to purchase essential clothing and personal items if your luggage and personal effects have been delayed, misdirected or misplaced by your carrier for more than 12 hours.<br/> <br/> $250 if your luggage is delayed for less than 7 days. $500 if your luggage is delayed for more than a week. (no excess applies)<br/> | |||
|
Cancellation & Delay
|
chosen limit | chosen limit | |
| Pre-Departure Cancellation Fees & Lost DepositsPS | chosen limit | chosen limit | |
| Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters. | |||
| Pre-Departure Amendments to JourneyA | $2,000 | ||
| Cover for additional travel expenses that you incur and cannot recover when you need to amend your journey due to illness or injury, hospitalisation of a relative, or your scheduled or connecting transport is cancelled or delayed due to weather, strikes, riots, or a natural disaster. | |||
|
On-trip Disruption
|
chosen limit | chosen limit | |
| On-trip Cancellation Fees & Lost DepositsPS | chosen limit | chosen limit | |
| Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather. | |||
|
Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion CoverAS |
$10,000 | $25,000 | |
| Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster.<br> <br> There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies) | |||
| Travel Delay ExpensesS | $2,000 | ||
| Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies) | |||
| Special Event Transport ExpensesO | $2,000 | ||
| Reimburses you for additional travel expenses to reach a special event (wedding, funeral, prepaid conference, concert, music festival, sporting event, or a tour lasting more than two consecutive nights) on time. | |||
|
Other
|
$2,500,000 | $2,500,000 | $5 million |
| Personal LiabilityP | $2,500,000 | $2,500,000 | $5 million |
| Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent). | |||
Medical Only
Show Benefits-
Emergency included
- 24/7 Emergency Assistance Service included
- 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
-
Medical unlimited
- Overseas Emergency Medical & Hospital Expenses unlimited
- Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas.
- Dental Expenses $1,000
- Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth.
- Repatriation Of Remains $25,000
- Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia.
-
Other $2,500,000
- Personal Liability $2,500,000
- Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent).
Standard
Show Benefits-
Emergency included
- 24/7 Emergency Assistance Service included
- 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
-
Medical unlimited
- Overseas Emergency Medical & Hospital Expenses unlimited
- Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas.
- Dental Expenses $1,000
- Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth.
- Hospital Cash Allowance $2,500
- An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
- Repatriation Of Remains $25,000
- Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia.
-
Luggage & Personal Items $5,000
- Travel Documents & Transaction Cards $2,000
- Reimburses you for the cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
- Luggage & Personal Effects $5,000
- Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
-
Cancellation & Delay chosen limit
- Pre-Departure Cancellation Fees & Lost Deposits chosen limit
- Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters.
-
On-trip Disruption chosen limit
- On-trip Cancellation Fees & Lost Deposits chosen limit
- Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather.
- Additional Accommodation & Travel Expenses<br/>— Family Emergency<br/>— Emergency Companion Cover $10,000
- Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster.<br> <br> There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies)
-
Other $2,500,000
- Personal Liability $2,500,000
- Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent).
-
Cruise unlimited
- Onboard Medical Expenses unlimited
- Cover for reasonable onboard emergency medical, and other necessary treatment expenses you incur while on a cruise if you become ill or injured.
-
Rental Vehicle Excess chosen limit
- Rental Vehicle Insurance Excess chosen limit
- Covers for the excess payable on your rental vehicle insurance that you have with your car hire company.<br> <br> You can choose your level of cover up to $5,000 or up to $10,000.
Comprehensive
Show Benefits-
Emergency included
- 24/7 Emergency Assistance Service included
- 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
-
Medical unlimited
- Overseas Emergency Medical & Hospital Expenses unlimited
- Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas.
- Dental Expenses $1,000
- Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth.
- Hospital Cash Allowance $5,000
- An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
- Repatriation Of Remains $25,000
- Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia.
- Permanent Disability $25,000
- A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip (no excess applies).
- Loss of Income $10,400
- Weekly payment you received if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work in your usual occupation for more than 30 days after returning to Australia. (no excess applies)
-
Luggage & Personal Items $10,000
- Travel Documents & Transaction Cards $5,000
- Reimburses you for the cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
- Theft of Cash $250
- Reimburses you for cash, bank notes, currency notes, or money orders stolen whilst on your person during your journey.
- Luggage & Personal Effects $10,000
- Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
- Luggage & Personal Effects Delay Expenses $500
- Cover to purchase essential clothing and personal items if your luggage and personal effects have been delayed, misdirected or misplaced by your carrier for more than 12 hours.<br/> <br/> $250 if your luggage is delayed for less than 7 days. $500 if your luggage is delayed for more than a week. (no excess applies)<br/>
-
Cancellation & Delay chosen limit
- Pre-Departure Cancellation Fees & Lost Deposits chosen limit
- Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters.
- Pre-Departure Amendments to Journey $2,000
- Cover for additional travel expenses that you incur and cannot recover when you need to amend your journey due to illness or injury, hospitalisation of a relative, or your scheduled or connecting transport is cancelled or delayed due to weather, strikes, riots, or a natural disaster.
-
On-trip Disruption chosen limit
- On-trip Cancellation Fees & Lost Deposits chosen limit
- Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather.
- Additional Accommodation & Travel Expenses<br/>— Family Emergency<br/>— Emergency Companion Cover $25,000
- Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster.<br> <br> There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies)
- Travel Delay Expenses $2,000
- Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
- Special Event Transport Expenses $2,000
- Reimburses you for additional travel expenses to reach a special event (wedding, funeral, prepaid conference, concert, music festival, sporting event, or a tour lasting more than two consecutive nights) on time.
-
Other $5 million
- Personal Liability $5 million
- Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent).
-
Cruise unlimited
- Onboard Medical Expenses unlimited
- Cover for reasonable onboard emergency medical, and other necessary treatment expenses you incur while on a cruise if you become ill or injured.
-
Snow unlimited
- Emergency Rescue unlimited
- Medical transfer or evacuation if you injure yourself whilst on the ski slope
- Snow Pack $750
- Cover for the value of any unused ski pass, ski hire or tuition fees following loss or theft of your ski pass or you being unable to ski following accident or illness.
- Resort Closure $1,000
- Cover for the cost of transport to the nearest resort and the cost of additional ski passes if all lift systems are closed as a result of not enough snow, bad weather or power failure in your pre-booked holiday resort.
- Winter Sports Equipment Cover $1,500
- We will reimburse the winter sports equipment hire excess or the cost of repairing the equipment, whichever is lesser, if the winter sports equipment you have hired is damaged or stolen due to an event covered under this policy.
- Winter Sports Equipment Hire $1,000
- Cover for the cost of hiring alternative Snow Skiing Equipment following the loss, theft or or breakage of your equipment, or if your equipment has been misdirected or delayed for more than 24 hours
-
Rental Vehicle Excess chosen limit
- Rental Vehicle Insurance Excess chosen limit
- Covers for the excess payable on your rental vehicle insurance that you have with your car hire company.<br> <br> You can choose your level of cover up to $5,000 or up to $10,000.
-
Bicycle Pack $15,000
- Bicycle Cover $15,000
- Designed specifically for cyclists, we offer cover if your bicycle is lost, stolen or damaged (no cover whilst in use).
Benefits shown are a summary of cover only. Sub-limits may apply. Please read the Product Disclosure Statement (PDS) for full terms, conditions, limits, excess payable and exclusions; and consider the Target Market Determination to determine whether our travel insurance is right for you.
A Limits are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller.
S Sub-limits apply.
P Limits are per policy regardless of the number of persons the claim relates to.
O There is no cover while travelling in Australia.
WHY BUY WITH ZOOM
medical cover
Relax knowing that your hospital expenses are covered with Zoom's medical coverage. Zoom to top notch cover!
Travel delays
Setbacks on your sojourn are never much fun. Cover your Philippines travel disruptions in a flash with Zoom travel cover. We keep things zippy!
LUGGAGE COVER
Your stuff is precious and we get that. Take off on your adventure in the Philippines knowing your luggage is protected with Zoom.
Family emergencies
Had to rush home or cancel your trip due to a family emergency? We'll cover your non-refundable deposits so you can focus on the rest.
Cover In A Flash
We keep things zippy. Our fast quotes and easy buying process will have you covered in no time. Buy direct today to get immediate cover.
rental car excess
Driving in the Philippines? Our rental vehicle excess add-on is a must for roadtripping travellers.
easy claims
We've done away with lengthy forms and have kept our claims process simple. We guarantee to assess fully documented claims in a flash.
Peace Of Mind
Zoom to Zen. You can sit back and relax on your holiday knowing that you’re covered by award winning travel insurance.
PHILIPPINES TRAVEL INSURANCE FAQs
Got some curly questions in regards to your Phillipines travel insurance cover?
Be in the the know before you go with answers to the most common queries below.
-
Am I covered medically while holidaying in the Philippines?
-
Yes, all our policies cover for unlimited medical coverage. Zoom provides cover for your overseas medical expenses including hospital stays, surgery, doctor visits, emergency evacuation and repatriation home if required. We can provide written guarantees of payment of reasonable expenses directly with your hospital in emergency situations. Phew!
-
What happens if I need medical assistance in the Philippines?
-
Have complete peace of mind on your adventure to the Philipines. Zoom provides immediate support through our emergency assistance provider, First Assistance. Help is just a phone call away any time of day 365 days a year. This includes access to medical advisors, medical transfers and emergency evacuation if required. We also assist with passing on messages to family and returning unsupervised dependants back to Australia.
-
How do alcohol and drugs affect my cover?
-
When it comes to alcohol we advise you to drink in moderation. One lambanog too many could see you jeopardizing your cover. Please note that we may exclude any claims where excessive drugs or alcohol have been involved.
-
I have high value items; how much can I insure them for?
-
If you have an expensive item that you just can’t leave behind you can insure it separately. Note that high value item cover is only available under our comprehensive plan.
-
Am I covered for pickpocketing in the Philippines?
-
Yes, you’re covered for muggings, provided of course you were acting with reasonable care (i.e. did not leave your belongings unattended). If you’re the victim of a pickpocket, you’d be covered for loss, theft and damage to your luggage and personal effects. If you are robbed, it’s important that you get a police report and contact us as soon as possible.
