More details on the best Philippines travel insurance plans
Advertiser Disclosure
Best Value for the Money
Why We Like It
Tin Leg Gold is one of the top-selling travel insurance policies among LA Times visitors thanks to its affordability and comprehensive coverage that ticks all the boxes for most travelers.
The Tin Leg Gold plan offers strong travel coverage in all categories, including $500k of medical and medevac coverage, which should be more than enough for most travelers, and enough to repatriate you back to the United States for treatment if needed.
You also get 100% trip cancellation reimbursement and 150% trip interruption reimbursement standard with the plan.
Tin Leg also boasts one of the highest customer satisfaction ratings in the business and offers premium coverage for things like delayed or lost baggage and travel delays. You’re sure to love this plan.
See our full Tin Leg review
- Excellent primary coverage for medical expenses
- High limit for emergency evacuation coverage
- Optional cancel for any reason (CFAR) coverage available
- Comes with coverage for hurricanes and inclement weather
- Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
- Baggage delay coverage requires a 24-hour waiting period
- Low coverage limits for baggage and personal effects
Quickest Claims Reimbursement
4.5
Faye Travel Protection Plan
Why We Like It
Faye is more than a travel insurance plan – it’s an all-in-one travel app that offers travel coverage, flight tracking, trip destination info, playlists, and more. Essentially, Faye lets you manage your entire trip from the app and syncs all your flight and hotel info into one place.
Travel insurance claims are fast and easy, snap a photo and upload the docs to the app. Apart from this Faye offers great comprehensive travel coverage and tons of optional add-ons you won’t find eslewhere, such as airbn coverage and more.
It’s great for yourger tech-savvy travelers, but it’s so easy to use that senior travlers are also signing up. It’s a new player but is quickly disrupting the travel insurance industry with it’s unique offering, comprehensive coverage, and flexible plans.
Read our full Faye review for more info
- Friendly agents
- Easy-to-use mobile app
- Fast reimbursements for eligible claims
- Prompt replies to questions
- Long wait times for reimbursement
- Difficulty reaching Faye outside of email & virtual chat
Our Most-Sold Travel Insurance Plan
Why We Like It
The Seven Corners Trip Protection Choice plan is the number one selling plan among LA Times’ visitors for two years running thanks to its comprehensive coverage at a great price.
This plan has it all including coverage for medical issues, travel delays, baggage issues, cancellations, and more.
The medical and medevac limits, $500k and $1m respectively, are some of the highest around and will ensure you can receive proper medical care in the event of an emergency. Additionally, you get 100% trip cancellation and 150% trip interruption reimbursement standard.
Despite being slightly more expensive than other plans on this list, it offers the highest coverage limits in nearly every category. Having high coverage limits is important since the Philippines is so far from the US, and many small islands may have subpar medical facilities. It also includes valuable extras not available with other plans, such as optional interruption for any reason coverage.
At the end of the day, all the added benefits you get with the Trip Protection Choice plan greatly outweigh the small difference in price versus cheaper plans.
See our full review of Seven Corners
- Offers coverage for pre-existing conditions
- Money-back guarantee
- Cancellation & Interruption coverage standard
- Covers action sports & equipment
- Cancel for any reason not included standard
- Must meet waiver for pre-existing conditions to be covered
Affordable & Comprehensive
Why We Like It
The Heymondo Premium plan offers comprehensive travel insurance benefits at an affordable price point.
Heymondo is a lesser-known provider but has a major following among travel bloggers and people who are “in the know.” It offers extremely comprehensive travel coverage for medical and non-medical scenarios and a host of premium travel benefits you usually find on more expensive plans.
The Heymondo Premium plan comes with $200K of emergency medical and dental coverage, $500K of emergency medevac & repatriation coverage, $10K of search and rescue coverage, and $10K of trip cancellation and interruption benefits. These coverages are key to granting access to proper medical care when visiting the Philippines where the many small islands make it difficult, otherwise, to secure medical treatment up to Western standards.
Apart from these integral protections, you’ll also get coverage for trip delays, missed connections, lost and delayed baggage, accidental death and dismemberment coverage, adventure sports protection, and more.
All of this comes at an extremely affordable price, making this one of our top choices for Philippines travel insurance.
- Comprehensive & affordable
- Includes search & rescue coverage
- Covers adventure sports & cruises
- Has an age limit (under 69 years old)
- Long list of excluded items for loss & damage protection
Premium Baggage & Travel Delay Coverage
Why We Like It
This is one of the most affordable plans on our list and another best-seller among LA Times’ visitors. The AXA Platinum plan offers just enough coverage limits to keep you safe while away and to keep the price low.
This plan also offers strong coverage in all of the major categories, such as medical, medevac, cancellations, interruptions, delays, and baggage – just as the other plans on our list.
In regard to the lower medical limit, most people aren’t likely to rack up more than $250k of medical bills while away unless they need medical evacuation back to the US. That is why the $1m of medical evacuation coverage included in this plan is key.
In our view, this plan is a great option for most travelers who are healthy. However, elderly travelers or people with underlying health conditions may want to opt for a plan with higher medical coverage limits.
Also of note, this plan has higher baggage and trip delay coverage than the Tin Leg Gold plan, which may be important for heavy packers or people with high-value contents in their luggage.
Read our full AXA review here
- High coverage limits in every category. Extremely comprehensive
- Includes identity theft coverage & non-medical evacuation coverage
- CFAR coverage reimburses 75% of prepaid travel expenses
- Coverage cannot be extended unlike other plans
- Medical limit is lower than other cheaper plans, but still sufficient
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