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Philippines Insurance

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.

Official risk ratings

Accident and Evacuation
Kidnapping and Ransom
Political Risk

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 

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.

According to the FCDO, you are advised to avoid western and central Mindanao and the Sulu archipelago because of terrorist activity and clashes between the military and insurgent groups. There have been incidents across the country, including Manila. It’s likely that terrorist groups continue to plan kidnap operations against western nationals in the Philippines, both on land and at sea. Risks are particularly acute in Mindanao and the Sulu archipelago. Kidnap and Ransom insurance might be advisable for any of your people working here.

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.

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.

Ask the independent experts

+44 (0) 207 305 5650 (or send us an email)

High-risk Countries

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Advice from the FCDO

The Foreign Commonwealth & Development Office (FCDO) in the UK regularly updates its advice to British travellers about immediate risks.

View advice on FCO website

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