Suitable Philippines insurance should be a priority if you are going to work, live or travel there. Due to ongoing conflicts with Islamic and Marxist groups there is some risk of terrorist activity and kidnapping throughout the country. Standard travel insurance in the Philippines may not provide sufficient cover.

Philippines insurance – quick facts

  • There is a risk of terrorism and kidnapping
  • Typhoon season runs from June to November
  • International health insurance in the Philippines is essential, along with cover for emergency evacuation 

Get the right insurance for Philippines


  • Specialist Philippines insurance – can include protection for personnel, property, vehicles, equipment and crews and cargoes for offshore operations
  • We can cover all of your business liabilities in Philippines and help you to understand and meet contractual and local insurance obligations

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  • Due to limited medical facilities and the high-risk to personal security, specialist Philippines insurance is advised for visitors and expats
  • We can cover you for life, personal accident, personal disability, medical emergencies, evacuation and other specialist insurance needs, including kidnap and ransom cover

For individual policies get a quote

What risks might you encounter?

The Philippines consists of more than 7,000 islands and is an area prone to earthquakes, and eruptions from over 20 active volcanoes. It is also hit by around about twenty typhoons a year and flooding and landslides are not uncommon. In November 2013 Typhoon Haiyan devastated large areas of the country with wind speeds that were the fastest ever recorded on land.

Adequate medical care is available in major cities in the Philippines, but may not meet the standards of care you are used to. Most hospitals will require a cash payment at the time of admission. Anyone travelling to the remotest regions is advised to have specialist medical and evacuation insurance.

Kidnap and ransom is an identified risk for westerners and expatriates, particularly those working in areas of conflict. Terrorist activity is mostly concentrated around the southern Island of Mindanao, although there have been incidents across the country, including Manila. Crime is often a problem in major cities and visitors are advised not to openly carry valuables.

For advice for companies talk to us. For individual policies get a quote.

Latest advice from the FCO

The FCO advise against all travel to specific regions and all but essential travel to other regions in the Philippines. There is a high risk of terrorism and kidnapping. Take out comprehensive travel and medical insurance before you travel.

Latest FCO Advice