EKTA
Gold
2k$36.48 AUD
Compare travel insurance for the Philippines
Medical, cancellation and luggage cover for Australian travellers.
Medical, cancellation and luggage cover for Australian travellers. No reciprocal agreement. Facilities outside Manila and Cebu are limited; serious cases are often evacuated to Singapore or Australia.
7 insurance options for Philippines, compared
Klook
Travel insurance
Set at quote
Fast Cover Best value
Standard Saver
9k$20.90 AUD
Compare only
InsureandGo
Gold
5k$23.50 AUD
Compare only
Cover-More Most popular
Comprehensive Plus
15k$25.40 AUD
Compare only
Allianz Travel
Comprehensive
11k$28.40 AUD
Compare only
Southern Cross Travel Insurance Lowest excess
International Comprehensive
7k$30.30 AUD
Compare only
Prices are indicative, shown in AUD and refreshed from provider APIs where available. Always confirm the final price on the provider's site - it is the price that applies. We may earn a commission if you buy through our links, which never changes what you pay. Partners are listed before providers who pay us nothing, as our terms set out; sorting by price ignores all of that and orders on the number alone. How we make money.
Compared side by side
| Insurer | Policy | Medical | Cancellation | Excess | From (AUD) |
|---|---|---|---|---|---|
| EKTA Partner | Gold | US$150,000 | Not included | $0 | $36.48 |
| Klook Partner | Travel insurance | Limit set at quote | Included | Set at quote | Set at quote |
| Fast Cover | Standard Saver | Unlimited | $25,000 | $200 | $20.90 |
| InsureandGo | Gold | Unlimited | $20,000 | $200 | $23.50 |
| Cover-More | Comprehensive Plus | Unlimited | Unlimited | $200 | $25.40 |
| Allianz Travel | Comprehensive | Unlimited | Unlimited | $250 | $28.40 |
| Southern Cross Travel Insurance | International Comprehensive | Unlimited | Unlimited | $100 | $30.30 |
A row that reads Get a quote is priced per destination and per traveller rather than sold at a set premium, so its price and its cover limits are shown on the insurer's own quote for Philippines instead of here. Whichever row you follow, the Product Disclosure Statement for the policy you buy is the document that decides a claim - not this table.
Health risks and cover in Philippines
Vaccinations for Philippines
Hepatitis A and typhoid commonly recommended. Rabies and Japanese encephalitis for longer or rural stays.
Can you take your medication to Philippines?
Bring a full supply with prescriptions.
Health and safety risks in Philippines
- Dengue fever
- Typhoons and flooding
- Food and water-borne illness
- Volcanic activity (Taal, Mayon)
- Diving accidents - check your policy covers your certification depth
More Philippines essentials
Philippines visa and entry rules
Passport, visa, arrival cards and customs rules for Australian passport holders.
Flights to Philippines
Search fares from Australia, then sort the rest of the trip.
Philippines eSIM plans
Instant data, no physical SIM required.
Philippines money and cards
Cards, cash and FX fees for Australian travellers.
Philippines airport transfers
Trains, buses, private transfers and taxis compared.
Driving in Philippines
International Driving Permit rules and car hire for Australians.
Philippines travel essentials
Adapters, plugs, tap water, tipping and health basics.
Things to do in Philippines
Attractions, tours and passes worth booking ahead.
Further reading: Travel insurance for Australians: what Medicare actually covers overseas
How these comparisons are made
Policies are compared on the numbers that decide real claims: overseas medical cover, cancellation cover and excess, with the pricing basis stated under every table. Jamie has personally taken out policies with insurers recommended on this site. Premiums shown are indicative for the stated traveller and trip; the PDS for the specific policy is the binding document and the reason every page says to read it. Read the full editorial policy.
Philippines travel insurance FAQs
Is travel insurance valid everywhere in the Philippines?
Not necessarily. Smartraveller advises against travel to parts of Mindanao and the Sulu Archipelago, and most Australian policies exclude cover in 'do not travel' areas. Check the regional advice for your specific islands.
Planning Philippines?
We will send you the Philippines guide as it grows - what to book before you go, which eSIM and travel card are worth it there, and what things actually cost in Australian dollars.