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
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. High levels of crime are also a consideration. Standard travel insurance in the Philippines may not provide sufficient cover.
|Accident and Evacuation|
|Kidnapping and Ransom|
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. Be mindful of local customs and laws since penalties can be severe, particularly with regard to any sort of illegal drug use, which attract mandatory jail sentences.
The Foreign Commonwealth Office (FCO) in the UK regularly updates its advice to British travellers about immediate risks.