Travel Insurance for the Philippines

Medical treatment in the Philippines can be expensive, and without Travel Insurance you may be left to cover the costs yourself. If you live with pre-existing medical conditions, it’s important to know that standard Travel Insurance won’t provide cover.  As a specialist provider, we can offer options that include cover for a range of conditions.

AllClear offers cover for over 1,300 medical conditions, giving you peace of mind while you're overseas. We make declaring conditions simple with our straightforward screening process, online or over the phone.

Some major conditions we cover include:

• Cancer
• Heart conditions
• Diabetes
• Epilepsy
• Atrial Fibrillation
• Stroke
• Disability

Ready for a stunning journey through the Philippines’ incredible islands, caves and beaches? The Philippines is an outstanding destination for a tropical adventure. We aim to help you enjoy strolling along the beaches of Boracay or diving on Mactan-Cebu Island with complete peace of mind.

If you are injured while participating in a covered outdoor activity, we can cover your medical expenses. Enjoy everything from hiking to snorkelling with greater confidence knowing cover is available if things don’t go to plan.

Using a hired car during your Philippines holiday? Our policy will cover your rental car insurance excess amount if your rental car is involved in a motor accident while you are driving. You can also be covered if it is damaged or stolen while it is in your custody.

For more information about our policies for outdoor activities, please review our PDS.

The Philippines offers a wide selection of beautiful cruises that are perfect for groups and senior travellers. With AllClear’s Cruise Travel Insurance, you can make sure you’re covered against the following incidents while you’re out at sea:

• Cabin confinement if you are required to stay in your room due to illness. 
• Missed ports if the total number of docked ports is fewer than the number scheduled on your cruise itinerary.
• Cover for medical emergencies you may experience on a cruise due to your pre-existing conditions or covered events.

Enjoy your cruise across the Philippine Sea with the reassurance of Travel Insurance that can include financial protection if things don’t go to plan.

While the Philippines is an exciting destination, going there does carry a few risks you will need to be prepared for. With AllClear, you have cover for emergency medical treatment costs in the Philippines.

The Philippines does not have a Reciprocal Health Care Agreement with the Australian Government (Source: Australian Government, accessed 05 Nov 25). If you need medical care in the Philippines, your Travel Insurance policy could be the only financial assistance you have.

Medical treatment in the Philippines can become very expensive for Australian visitors. Procedures like heart bypass surgery cost approximately $26,000-$29,000 (Source: Globe Newswire, accessed 05 Nov 25). If you have to spend multiple nights in the hospital, the costs can add up quickly.

With AllClear's comprehensive medical cover, you can travel across the Philippines with greater peace of mind. If things go wrong on your holiday, we’ll provide cover for your costs. We can also help cover repatriation and evacuation costs to bring you back home.

In addition, we offer a 24/7 emergency medical helpline. You can use this line any time to help find the right medical care for you overseas.

The Philippines might have a higher general risk than some Australians are used to. Here are some tips to keep in mind to stay safe on your trip: 

• Higher crime rate: The crime rate in the Philippines may be higher than in Australia. Try to be aware of your surroundings in public spaces and draw money in safe locations. 
• Travel warnings: Some areas of the Philippines may be a higher risk zone than others. Keep track of Smartraveller’s travel warnings to find out which areas to avoid.
• Mosquito-borne diseases: Mosquito born diseases are a possible issue, depending on where in the Philippines you are visiting. Consult your doctor to determine if you need a vaccination before you leave. 
• Natural disasters: Natural disasters are a potential risk in the Philippines. Please follow local advice and pay attention to official warnings. It is also helpful to look at your hotel's evacuation plan. 

A safe and fun holiday requires a few precautions before you head off. Here are a few steps you can take for a better journey:

• Travel Insurance: Purchasing Travel Insurance is a crucial step to a safer, more fun trip. Be sure you understand what your policy covers you for, and follow all relevant conditions.
• Smartraveller: Thoroughly review the warnings and safety advice for travel to the Philippines offered by the Australian Government’s Smartraveller website. 
• Consult your health professional: Before leaving Australia, be sure you have spoken to your health professional about your travel plans. Check if you need any vaccinations before you go, and how to manage your pre-existing health conditions while on holiday. You should also research if any medications you plan to take are not allowed in the Philippines. 
• Respect local customs: Be sure you are aware of important local customs. Dress appropriately in religious areas and behave in a respectful, non-disruptive way.
• Emergency contacts: Be sure you know the right emergency numbers for the police and other emergency services, as well as the contact details for the Australian Embassy. In the Philippines, 911 is the general emergency number.

While you’re in the Philippines, be sure to stop by some of the island's most stunning sights:

• Boracay: Take some time in this scenic getaway to enjoy beautiful sights like the White Beach, or visit Mount Luho to see the highest point of the island.
• Manila: The Philippines’ signature city is a melting pot of different cultures, featuring a rich, fascinating culture with an incredibly unique history. Stop by the historic walled city of Intramuros, or start a shopping spree at the SM Mall of Aisa. 
• Cebu: This province contains the stunning sights of the Kawasan Falls and Tumalog Falls. It’s also where you’ll find one of the biggest cities in the Philippines, Cebu City, home to incredible historic landmarks. 
• Bohol: Enjoy an unmistakable tropical retreat in Bohol. On this island, you’ll find the iconic Chocolate Hills and the world's smallest primate, the Philippine tarsier.