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 scooterǁ 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.#
Travel insurance for 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.†
Comprehensive travel insurance for the Philippines
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 or your travelling companion, there is cover for their replacement or cost resulting from their fraudulent use. Lastly, receive reimbursement towards clothing and essentials if your luggage is delayed by over ten hours.#
Round-the-clock medical assistance
Give yourself some 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.#
Motorcycle, moped and scooter cover
If a moped or motorcycle will be your mode of transport, you’ll pay no additional premium. You must be wearing a helmet if you are riding or travelling as a passenger on a Motorcycle, Moped, Scooter or Quad Bike.ǁ
Sports and activities
Explore more than 30 activities already covered by international travel insurance (criteria applies).#
+ Dependant means any of your children, stepchildren, foster children or grandchildren who are 25 years of age or under at the time you purchase your policy, financially dependent on their parents or grandparents, not working full time, travelling with you for your entire trip and listed on the Certificate of Insurance as your Dependant. Terms, conditions, exclusions, limits and sub-limits apply. Refer to PDS for full details.
# Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to combined PDS/FSG for full details.
ǁ ‘Moped or Scooter’ (two or three wheeled motor vehicle (including e-scooters) with engine capacity up to 50cc), ‘Motorcycle’ (two or three wheeled motor vehicle (including electronic versions) with engine capacity equal to or greater than 50cc) and ‘Quad Bike’ are defined in the PDS. Cover is subject to general exclusions, including where you are operating or travelling as a passenger without wearing a helmet and driving without meeting specific licensing requirements. Refer to the PDS for full definitions, terms, conditions and exclusions.
** Refer to combined PDS/FSG to determine if Cruise cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply.
† Some cover benefit limits or sub-limits may be less than your chosen excess and therefore the insurer may not contribute anything to your claim.
* RACV Member discount applies to the premium only (not applicable taxes).
^ ‘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. Medical, hospital, dental or any ancillary benefits or expenses incurred more than 12 months from the time treatment for the injury or illness was first received will not be covered. Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to combined PDS/FSG for full details.
Assistance and support
Emergency assistance while overseas
The Emergency Assistance Team are available to provide overseas emergency support 24-hours a day. Reverse charges are accepted.
Call as soon as practical if you are hospitalised, or you are receiving outpatient care where the total costs will 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.
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Royal Automobile Club of Victoria (RACV) Limited (ABN 44 004 060 833, AR No. 1243563) (RACV) is an authorised representative of the RACV Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RACV Travel Insurance as the managing agent on behalf of Tokio Marine.
Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on RACV’s website, or on request from RACV.