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Philippines travel insurance

Heading to the Philippines? Consider what cover you may need

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Travel insurance for the Philippines

With over 7,000 islands, the Philippines is packed with adventure, culture, and stunning natural beauty. No matter where your island adventure takes you, you’ll be met with warm hospitality at every stop. 

Whether you want to spend all day on powdery white beaches, be immersed in layers of history, experience the buzz of Manila, or chase waterfalls and subterranean rivers, travel with the feeling of freedom knowing you have cover with RACV Travel Insurance. 

It's insurance that gives you 24-hour emergency medical assistance for you and your listed dependants, plus cover for lost luggage, natural disasters, severe weather events, motorcycle, moped and scooter# at no extra cost. 

From cover for your personal belongings#, to cover for disruptions caused by unforeseen circumstances including natural disasters#, discover the peace-of-mind RACV Travel Insurance can provide to help you prepare for the best in the Philippines.

#Limits sub limits and exclusions apply.

Flexible coverage to suit your trip

Add a range of extras to your policy including cruise cover. Even if you don't need extras, the flexibility of your policy means you'll get to choose the excess you’ll pay per claim.

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Comprehensive travel insurance for the Philippines

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Motorcycle, moped and scooter cover  

If a moped or motorcycle will be your mode of transport, you’ll pay no additional premium. You or the driver must hold the relevant licence for the vehicle you are driving or riding*.

*Refer to the conditions as outlined in the Product Disclosure Statement.

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Luggage and travel document replacement, credit for delayed luggage

For approved claims, luggage will be repaired or replaced if it gets lost, is stolen or damaged. For lost travel documents and credit cards, or those illegally used by someone other than you, receive a replacement or recovery funds to the value of their fraudulent use. Lastly, receive reimbursement# towards clothing and essentials if your luggage is delayed by over ten hours. 

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Round the clock medical assistance

Give yourself the best defence against accidents, insect-borne diseases and infections with 24/7 emergency medical assistance and unlimited** hospital cover. Receive $50 per 24-hour period# if your stay in hospital exceeds 48 hours. Plus, be covered for up to 38 pre-existing medical conditions including Diabetes Type 1 and 2, high blood pressure and cover for pregnancy# up to the 25th week provided conditions meet specific criteria.

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Sports and adventure activities

Hiking, kayaking, snorkelling or scuba diving? With RACV Travel Insurance you have cover. Provided you’re not participating in professional sport, hunting, racing, or any timed event, most sporting and adventure activities are covered at no extra cost. A selection of sports have conditions of cover and some aren't covered at all. 

See below for our overview of sports you won’t be covered for and those with conditional cover.

#Limits sub limits and exclusions apply.

**Unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including arising from a Terrorist Act) or illness occurring which first shows itself during Your Period of Insurance. Benefits may be paid up to 12 months from the time You received treatment for the injury or illness, but only for reasonable expenses incurred during that time. All medical treatments must be provided by Your Treating Doctor or Our Consulting Medical Officer. You must notify us as soon as practicable of Your admittance to hospital.

Provided you’re not participating in professional sport, hunting, racing, or any timed event, many sporting and adventure activities are covered at no extra cost. A selection of sports have conditions of cover and some aren't covered at all.

See below our overview of sports you won't be covered for and those with conditional cover.

Activities included only under certain conditions

If you wish to participate in:

  • abseiling
  • assault course
  • breathing observation bubble diving
  • bungee jumping  
  • camel or elephant riding
  • canoeing or kayaking (grade 3 and 4 rapids)   
  • canopy walking
  • canyoning
  • cave tubing 
  • coasteering
  • fishing trips (overnight)  
  • go karting 
  • gorge or canyon swinging
  • hot air ballooning 
  • husky sledge driving  
  • jet boating
  • mud buggying  
  • ostrich riding  
  • paintballing
  • parasailing  
  • quad biking ("Quad bike" means any motorised vehicle designed to travel on four or more wheels with a seat straddled by the rider and a set of handle bars that are used for controlling the steering. To be covered, you must also wear a helmet when driving or riding as a passenger)
  • scuba diving (unlicensed)  
  • target shooting  
  • all types of trekking or hiking up to a maximum of 3,000 metres above sea level
  • tubing 
  • zip lining or zorbing

You will need to observe the following conditions:

  1. the activity must be conducted through a commercial operator; and
  2. available to general public; and
  3. not considered extreme risk; and
  4. not require any special skills, pre-fitness training program prior to the participation of the activity, or a high level of fitness to undertake.

Note that cover provided under Section 3 of the Product Disclosure Statement (Luggage and Personal Money) for loss or damage does not apply to any sporting equipment while it is in use.

Also note that cover provided under Section 7 of the PDS (Your Liability for Causing Loss or Damage to Property, Injury or Death) does not apply to any claim against you arising out of ownership, custody, or use of any motor vehicle or mechanically propelled vehicle, any aircraft, watercraft, firearms, drone, or radio-controlled/ remote-controlled model car, vehicle, plane, boat and the like.  Eg. cover is only provided for injuries sustained whilst on a quad-bike- you are not covered for damage to the quad-bike.

The following activities are not covered, full details are available in RACV Travel Insurance Product Disclosure Statement (PDS) under General Exclusions:

  • trekking or hiking over 3,000 metres above sea level
  • skiing or snowboarding (unless you have purchased Ski and Winter Sports^ option)
  • any kind of mechanised snow-mobiles except as provided by the recognised piste authorities for transport to and from areas designed for recreational skiing (unless you have purchased Ski and Winter Sports^ option)
  • bob sleighing, snow rafting, parapenting, heli-skiing, aerobatic skiing, skijoring, skiing with any form of power assisted equipment
  • backcountry skiing
  • racing or participating in any timed event (other than on foot)
  • any kind of professional sport
  • hunting 
  • open water sailing
  • participating in any rodeo activity, either as an amateur or as a professional
  • mountaineering or rock climbing using ropes or climbing equipment (other than for hiking)
  • parachuting, sky diving or base jumping
  • hang gliding or paragliding
  • travel in any air supported device, other than as a passenger, in a fully licensed aircraft operated by an airline or charter company. This does not apply to regulated or licensed ballooning 
  • diving underwater unlicensed using an artificial breathing apparatus, unless the conditions outlined in section ‘Activities Included Only Under Certain Conditions’ are followed.
  • polo
  • horse jumping
  • running with the bulls
  • freestyle BMX
  • motocross 

^ Ski and Winter Sport conditions of cover

You must purchase Ski and Winter Sports Cover option in order to be covered for overseas medical and hospital fees that are incurred following an accident that takes place on the slopes.

  1. the Ski and Winter Sport activity must be On-piste (or if Off-piste, you are with a professional guide at all times)
  2. the Ski and Winter Sport activity is not part of a race, competition or tournament;
  3. the Ski and Winter Sport activity is not undertaken on a professional basis; and
  4. you follow the safety guidelines for the Ski and Winter Sport concerned and where applicable, you use the appropriate and recommended safety equipment.

The Ski and Winter Sport activity must not be excluded by the policy or listed in General Exclusions.

Other terms and conditions, benefit limits (including sub-limits) and exclusions may also apply to Ski and Winter Sport activities. Please read the PDS for further information.

Assistance and support

Emergency assistance while overseas

The team of experts are available to provide emergency support 24-hours a day. Reverse charges are accepted.

Call as soon as practical if you are receiving medical care and the total cost is likely to exceed $2,000.

Travel alerts

Check travel status before you plan your trip and again before you leave.

RACV Travel Insurance won't cover you for destinations with a Department of Foreign Affairs and Trade "Do Not Travel" status.

Need help?

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS.