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Philippines travel insurance

Heading to the Philippines? Consider what cover you may need

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Sports and activities
Assistance and support

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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 extra peace-of-mind RACV Travel Insurance can provide to help you prepare for the best in the Philippines.

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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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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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 a current Australian Driver’s Licence, International Driving Permit, or a valid licence for Bali and you must be wearing a helmet and not under the influence of drugs or alcohol.

# Limits, sub-limits and exclusions apply. Refer to the Product Disclosure Statement for full details.

** $unlimited means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions. 

  • Mopeds and scooters: The driver must hold a current Australian Driver's Licence (this doesn't include a learner's permit) or a valid driver’s licence for the country in which they're driving, even if that country does not require the policy holder to have a valid driver’s licence.
  • Motorcycles: The driver must hold a current Australian Motorcycle Licence or a valid driver’s licence for the country in which they're driving, even if that country does not require the policy holder to have a valid driver’s licence.
  • Mopeds, scooters, motorcycles, quad bikes: Both the driver and passenger must be wearing a helmet.
  • Mopeds, scooters and motorcycles: Cover is only provided for injuries sustained whilst on the moped, scooter, or motorcycle - there is no cover for damage to any two-wheeled vehicles.

If any of the conditions above aren't adhered to, your RACV Travel Insurance policy may not cover you in the case of an accident. International Drivers Permits are available for most countries. Please check the country list for full details and possible exclusions.

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Sports and activities

Explore more than 30 activities already covered by international travel insurance (criteria applies).

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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. 

Choose from 3 levels of international cover

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