Philippines Travel Insurance

Features of Philippines Travel Insurance

Care Health Insurance offers one of the best and most reliable travel insurance policies for trips to the Philippines. Look below to explore the main features of our Philippines travel insurance.

Philippines Travel Insurance: Plan at a Glance

When buying the best travel insurance for the Philippines, it is essential to check all the key details of the plan. First, choose the type of insurance that matches your needs, whether it is individual, family, or student travel insurance. Then, decide if you need coverage for a single trip or multiple trips throughout the year. Don’t forget to check the age limits, as each plan may have different minimum and maximum age requirements.

Once you know which type of coverage is right for you, review the main features of the Explore Asia-Philippines travel insurance plan offered by Care Health Insurance.

*Family option is only available on Single Trip Policies. Please refer to the prospectus for more details on eligibility.

What is Covered Under Travel Insurance for the Philippines?

At Care Health Insurance, we offer comprehensive international health insurance for the Philippines to keep your journey safe, smooth, and stress-free. Our plan is designed to protect you from unexpected situations so you can enjoy your trip with confidence. Here's what our Philippines travel insurance covers:

• Medical Coverage

• Journey Coverage

• Baggage Coverage

Emergency Hospitalisation

If you face a medical emergency and need medical assistance during your trip, we’ll cover inpatient and outpatient treatment expenses.

Dental Coverage

We offer coverage for expenses for dental care if the reason for treatment is non-cosmetic and the pain arises in your natural, sound teeth, once you reach the destination country.

Personal Accident Cover

If you meet with an accident during your trip, our plan provides financial protection in case of accidental death or permanent disability.

Trip Delays, Cancellations, or Interruptions

If your travel schedule gets affected due to delayed or cancelled flights or sudden changes, we’ll help cover the related costs.

Compassionate Visit

If you are hospitalised in the Philippines and your doctor suggests having an adult family member with you, we will cover the cost of the most direct economy-class flight for an immediate family member to come and support you.

Daily Allowance

In case you’re admitted to a hospital, we provide a daily allowance to help your companion manage additional expenses, according to policy terms.

Loss of Passport or Baggage

If your passport or checked-in baggage gets lost for no fault of your own, we will assist in recovering your items and reimburse expenses up to the allowed limit.

*Refer to the policy documents for detailed information regarding the Coverage.

What is Not Covered Under Travel Insurance for the Philippines?

While travel health insurance for the Philippines provides essential protection, there are certain situations where your policy may not cover the expenses. Here's a quick look at the exclusions of the Philippines travel insurance:

• Breaking the Law: If you fall ill or face trouble because you break civil laws or get involved in war-related activities, the travel insurance for the Philippines won’t cover any costs incurred.
• Use of Intoxicating Substances: Claims will not be accepted if any issues arise because you consumed alcohol, drugs, or any banned substances during your trip.
• Pre-Existing Medical Conditions: If you already have a health condition before your trip and need treatment related to that illness, the policy won’t cover those expenses.
• Cosmetic or Weight-Loss Treatments: The insurance does not cover any medical procedures for cosmetic changes or obesity-related treatments during your travel.
• Self-Harm or Intentional Injuries: If you injure yourself on purpose, the Philippines travel insurance will not pay for any medical bills or hospital stays related to such incidents.

Note: Plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

What is the Premium of Travel Insurance for the Philippines?

The cost of travel insurance for the Philippines depends on several factors such as the traveller’s age, trip length, destination within the country, and the type of coverage selected. Care Health Insurance offers affordable travel insurance plans for the Philippines that cover both medical and non-medical expenses, helping you stay protected without breaking the bank.

To give you an idea, here’s a sample scenario for better understanding:

A solo traveller from India planning a 7-day trip to the Philippines can get travel insurance starting at around Rs. 288~. This estimate is based on a plan providing $10,000 coverage for a 7-day visit.

*The above-mentioned travel insurance premium is calculated subject to no pre-existing medical conditions of the insured members. It considers that the insured members have not been diagnosed, hospitalised, or underwent any treatment in the last 48 months. Also, the premium amount is subject to change if the insured person has already claimed any travel policy before.

Factors Affecting the Premium of Travel Insurance for the Philippines

The premium of travel insurance for the Philippines depends on multiple factors. Understanding these can help you pick a plan that fits your needs and budget. Here are the key factors that can influence the cost:

• Type of Trip: A single-trip plan for a short vacation in the Philippines is usually more affordable than a multi-trip or annual policy.
• Duration of Stay: The longer you stay, the more you may pay. Shorter visits often come with lower premiums.
• Health Condition: If you want coverage for serious illnesses or pre-existing medical conditions.
• Coverage Options: More coverage means a higher price. To keep costs low, choose only the protection you need. For example, you may skip adding the add-on of a refund of the visa fee benefit if you are travelling to a visa-free country.

How to Buy Travel Insurance for the Philippines Online?

Documents Required to Travel from India to the Philippines

Here is a quick checklist of the essential documents you’ll need to make your journey smooth and hassle-free while travelling from India to the Philippines.

• Valid Passport: Make sure your passport is valid for at least 6 months beyond your planned stay in the Philippines.
• Visa: Indian citizens must apply for a visa before travelling. You can apply for a tourist visa, business visa, or another type, depending on your reason for travel.
• Return Flight Tickets: Immigration officers may ask to see proof of your return ticket to India or your next destination.
• Accommodation Proof: You might need to show details of where you'll be staying, like hotel bookings or a host’s address.
• Travel Insurance: While not compulsory, travel insurance is highly recommended. It can cover medical costs, trip cancellations, and other unexpected problems during your trip.

How to File a Claim Under Travel Insurance for the Philippines?

How to Apply for a Philippines Visa from India?

The Philippines allows Indian passport holders to travel visa-free for up to 14 days (with an extension clause of 7 days). Moreover, you may have to apply for a visa if you travel for more than 21 days (including extension).

Indian travellers can apply for a Philippines visa online through the eVisaPH portal or in person at a Philippine Embassy or Consulate. The online method is usually faster and more convenient. Always check the latest guidelines and requirements before applying, as they may change occasionally.

Apply Online (eVisaPH)

• Register an Account: Go to the eVisaPH website and sign up.
• Fill Out the Application: Complete the online form with correct details and upload the necessary documents.
• Pay the Visa Fee: Make a secure online payment for the visa processing fee.
• Get Your eVisa by Email: Once your visa is approved, you will receive it via email, which is easy and paperless.

Apply in Person (Embassy/Consulate)

• Visit a Philippine Embassy or Consulate: You can apply at the Embassy in New Delhi or the Consulates in Mumbai, Chennai, or Kolkata.
• Download the Application Form: Get the form from the official website, print it, and fill it out carefully.
• Prepare Your Documents: Gather all required documents, such as a valid passport, photos, proof of funds, and travel plans.
• Submit Your Application: Go to the embassy or consulate and submit your form along with the documents.
• Wait for Processing: Your application will be reviewed, and you will be informed once the visa is approved or declined.

Documents Required for a Philippine Visa

To apply for a Philippines visa, you’ll need the following documents:

• Passport/Travel Document (with a 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

Philippines Travel: Safety & Precautions

The Philippines is a beautiful and exciting destination, but it is important to stay cautious, like any popular tourist destination. Here are simple tips to make your trip safer and more enjoyable:

• Plan Ahead: The country has many amazing places to visit. Plan your trip carefully to avoid feeling overwhelmed.
• Learn a Few Local Words: Over 120 languages are spoken in the Philippines. While many people understand English, knowing a few basic Filipino words can be helpful in smaller towns.
• Carry Enough Cash: Some places may not accept cards, so it is best to have enough cash.
• Avoid Driving: Road conditions can be poor, and traffic rules are not strictly followed. It is safer to use public transport options, especially during bad weather.
• Use Public Transport: Public transportation is a more affordable way to get around if you're on a budget.
• Be Cautious with Transport: To avoid theft or unsafe situations, always use hotel taxis or trusted taxi services.
• Get Local Advice: If you plan to visit remote areas, check with local authorities for safety tips and guidance.
• Buy Travel Insurance: Always get international travel insurance before your trip. It can help cover unexpected medical emergencies, lost luggage, or trip cancellations.

The Indian Embassy in the Philippines

In case of an emergency during your time in the Philippines, you may use the contact details listed in the table below to contact the Indian Embassy in the Philippines.

Best Time to Visit the Philippines

The best time to visit the Philippines is between November and April. During these months, the weather is mostly dry, and temperatures usually range from 24°C to 31°C. Starting in March, it can get hot, sometimes reaching 35°C to 37°C.

The rainy season occurs from May to October, but the rain is usually light and doesn’t often spoil your trip. Since the weather can change quickly, it is a good idea to check the weather forecast regularly before you travel. This will help you pick the best time for your visit to the Philippines.

International Airports in the Philippines

One of the fastest and most convenient ways to reach the Philippines from any part of the world is via flight. Below is the list of the major international airports in the Philippines:

Best Places to Visit in the Philippines

The Philippines is full of natural wonders and beautiful buildings, making it a must-visit place for travellers. Here are some popular spots you should visit while you travel to the Philippines:

• Manila: Most visitors arrive here first. The city has a sound transport system, so you can easily explore famous places like Rizal Park, the historic San Agustin Church (the oldest stone church in the country), the Casa Manila museum, and cosy night cafes.
• Luzon Island: This main island is easily accessible by road or plane. You can visit amazing places like Batanes, take heritage tours in Laoag and Pagudpud, go rafting in Cagayan Valley, surf in Baler, or even swim with whale sharks in Donsol!
• Taal Lake and Taal Volcano: Just about 80 km from Manila, this spot is perfect for a day trip. Take a short boat ride to the volcano island and enjoy trekking or relaxing nearby.
• Vigan: A charming small town known for its cobbled streets and Spanish-style buildings is now a UNESCO World Heritage Site.
• Corregidor Island: About 50 km from Manila, this island is a treasure for history fans. You can reach there by taking a one-hour ferry ride. It has important historical sites like the Pacific War Memorial Museum and large old cannons.

Things to Do in the Philippines

Multiple places and activities in the Philippines offer a great mix of nature, history, and culture for an unforgettable trip. Here are some of them listed below:

• Puerto Princesa Subterranean River National Park: This park is a UNESCO World Heritage Site and one of the New Seven Wonders of Nature. It is famous for its stunning underground river.
• Enjoy Makati’s Nightlife: Don’t miss visiting Makati, the financial heart of the Philippines. To anyone who wishes to explore city life, Makati offers picture-perfect restaurants, shopping malls, and tall skyscrapers.
• Explore Hinagdanan Cave: This old limestone cave is filled with beautiful stalactites and stalagmites. Small holes in the cave let in natural light, making it a magical place to visit.
• Visit Fort Santiago: Built in the 1500s, this historic fort is an important landmark for the Philippines. It features impressive Italian-Spanish architecture and is a symbol of the country’s fight for freedom.
• Step Back in Time at Intramuros: In the 16th century, the Spanish built the ‘Walled City' Intramuros. It still has old churches, houses, and shops that show its rich history as the centre of religious, military, and political life.