300x85.png)
Hong Kong
Singapore
China
Dubai
Thailand
United Kingdom
Mexico
The top 6 travel insurance companies that cover trips to the Philippines are IMG, GeoBlue, VUMI, April International, Pacific Cross, and AXA. Each company has a unique set of values, breadth of insurance plan options, partnering physician network, and more.
Discover the world’s top
health insurers.
Compare quotes with
a click of the button.
Are you traveling to the Philippines soon and need help picking the right travel insurance provider for your trip?
By the end of this article you should feel more prepared to pick the plan that works for you. We’ll be doing a deep comparison of these best travel insurance providers for travelers in the Philippines. We’ll discuss company stats, values, insurance plans, awards received, and customer reviews.
It may also be helpful for you to better understand how the healthcare system works in the Philippines and to read our core article introducing The 5 Best Travel Insurance Companies before you choose.
A Comparison of 6 Philippines Travel Insurance Providers
IMG, GeoBlue, VUMI, April International, Pacific Cross, and AXA are the top 6 Philippines travel insurance providers. All have years of experience, carefully crafted insurance policies, and 24/7 customer support. We’ll discuss each below.
This article will do a deep dive comparison of the insurance companies themselves, not of their insurance plans. For a plan and benefits comparison, read our articles Top Philippines Insurance Companies for Expats and Travelers and Best Travel Insurance in the Philippines.
IMG
IMG Global has been providing worldwide travel, travel medical, and health insurance solutions since 1990. IMG’s plans include customizable coverage, quality member support, prescription drug coverage, medical evacuation, and more. IMG is known for their wide range of plans and quality coverage.
VUMI offers various coverage options for a number of unique needs, such as students, missionary groups, corporations, individuals, families, long-term travelers, and even for pet owners.
IMG has helped over 1 million customers, and they partner with over 1 million doctors and Telemedicine professionals. Travelers heading to the Philippines should be able to find a plan that fits their needs.
Company Values and Focus:
- Service
- Strength
- Safety Solutions
Travel Insurance Plans Offered:
- iTravelInsured GT
- iTravelInsured Lite
- iTravelInsured Choice
- iTravelInsured SE
- iTravelInsured LX
- iTravelInsured Sport
- Patriot Lite
- Patriot Plus
- Patriot Platinum
- Patriot Multi-Trip
- Visitors Care Lite
- Visitors Care Plus
- Visitors Care Platinum
- Visitors Preferred
- Visitors Protect
- Student Journey Lite
- Student Journey Plus
- Student Journey Platinum
- Student Health Advantage
- Student Health Advantage Platinum
- Patriot Exchange Program
- Global Medical Bronze
- Global Medical Silver
- Global Medical Gold
- Global Medical Platinum
- GlobeHopper Senior – Multi-Trip
- GlobeHopper Senior – Single Trip
- Outreach
Awards and Accolades Received:
- 2023 – IMG’s app IMG Mobile received an award from Travel Weekly Magellan Awards in the Online Travel Services Marketing category for the app’s excellent customer experience
- 2022 and 2023 – IMG received the Best Travel Insurance Provider – Overall award at the 9th annual Travvy Awards ceremony.
- IMG has received 4.6/5 stars from over 13,000 reviews
Customer Reviews:
- “I use IMG for almost every travel in the US and am now also using them for international travel. I’ve only ever had great experiences, the prices are phenomenal and the ease of signing up is unbeatable.” – Rina G., 5 stars.
- “Very user-friendly online application process with various options to match your budget or needs.” – Thomas F., 5 stars.
- “I have actually used my coverage in 2023 when traveling to Bangkok and was hospitalized with pneumonia. Everything was taken care of with no surprises. I won’t travel internationally without IMG.” – Rod M., 5 stars.
GeoBlue
GeoBlue is a leading international travel medical insurance provider with over 25 years of experience, a network of providers in more than 180 countries, including the Philippines, and more than 1.7 million physician providers. GeoBlue has a reputation for being reliable, complete, and convenient.
GeoBlue is an independent licensee of the Blue Cross Blue Shield Association, and they specialize in travel insurance plans for individuals, families, students, faculty, expats, maritime crew, missionaries, corporations, and world travelers.
Some digital resources they provide include GeoBlue’s Medical Translations, which can play an audio file of medical term translations in 14 common languages, and GeoBlue’s Medical Equivalents tool, which helps you find over-the-counter and prescription medication equivalents in your local country.
Company Values and Focus:
- Exceptional service
- Simplifying the international healthcare experience
- Peace of mind for travelers
Travel Insurance Plans Offered:
- Voyager – Single Trip
- Trekker – Multi-Trip
Awards and Accolades Received:
- 2007 – Named in the Deloitte Fast 50 Recognition, a listing of the 50 fastest growing companies in the Philadelphia area for technology, media, telecommunications, and life sciences
- GeoBlue is known as the pioneering company in digital health tools advancements such as mobile apps and appointment scheduling systems.
Customer Reviews:
- “I was very satisfied with GeoBlue. On my trip I got sick and needed to see a doctor. I called geo blue’s concierge service and they helped me find a doctor that gave me a same-day appointment one day before a holiday. The process was seamless because the concierge was able to email the doctor the payment guarantee so I didn’t have to pay for anything when I got to the doctor’s office. I would highly recommend Geo blue and I will be using them again.” – Alina, 5 stars
- “ This is an essential policy for older people traveling abroad. Medicare supplements cover $50,0000, which wont begin to cover a major illness. Very reasonably priced. Website works great.” – Bruce, 5 stars
- “Fortunate to not have reason to file claim. Wife and I enjoyed our travels knowing we had your protection. Money well spent.” – Alfred
VUMI
VUMI has over 35 years in the international insurance industry selling travel and health insurance. Declared pre-existing conditions may be covered. VUMI is known for high-end, international travel medical insurance that specializes in premium, personalized “VIP” care for clients.
VIP Universal Medical Insurance, or VUMI, focuses on offering outstanding customer service and making claims easy through direct billing options and an exclusive medical network. VUMI also offers exceptional long-term health insurance plans
Company Values and Focus:
- Peace of mind
- Medical coverage, anytime and anywhere
- A true VIP medical experience for clients
Travel Insurance Plans Offered:
- Single Trip Insurance
- Annual Travel Insurance
- Non-Medical Rider
- Trip Cancellation Rider
Awards and Accolades Received:
- 2024 – Received the Gold Award from The International Business Awards for a productive agent central app
- 2024 – David Rendall, CEO, received the Bronze Award from The International Business Awards as the executive of the year
- 2024 – Received the Gold Award from Hermes Creative Awards for the top electronic media/social media of the year
- VUMI has received many more recent awards in 2024 – 2021.
April International
April International has more than 30 years of experience providing international insurance. They are known for their long-term health insurance for expats living and working abroad, but they also offer travel insurance for individuals, families, and students travelling abroad, including to the Philippines.
April International travel insurance plans provide clients with access to private medical facilities of their choice, optional pre-existing medical coverage, policy extensions up to 6 months, and more. Plans are available in EUROs, GBP, and USD.
Company Values and Focus:
- Facilitate easy access to healthcare throughout the world
- 24/7 local support
- Simplifie 100% mobile operations
- Fast processing times
Travel Insurance Plans Offered:
- Chubb Travel Insurance – Up to 1 month
- Travel & Holiday Insurance – Up to 3 months
- Schengen Visa Insurance
Awards and Accolades Received:
- 2024 – Received a Silver Award for Best Corporate Healthcare Provider at the HR Vendors of the Year Wards which underscores April Internationa’s commitment to providing innovative and personalised health insurance solutions that prioritise both employer needs and employee well-being.
- 2024 – Received the Service Provider of the Year award at the Asia Insurance Industry Awards which recognises April International’s outstanding contributions to expanding access to affordable, quality healthcare across Asia and beyond.
- 2024 – April International’s Easy Claim app wins Customer Service Initiative of the Year from the Asia Awards
- 2024 – Received the Managing General Agent of the Year award from the Asia Awards
- April International has received many more awards in recent years.
Customer Reviews:
- “Team is always outstanding and on top of everything. It’s really an insurance made easy. Keep it up team, I really like the service I’ve got from April international.” – Jeyze, 5 stars
- “Team is always outstanding and on top of everything. It’s really an insurance made easy. Keep it up team, I really like the service I’ve got from April international.” – Retno, 5 stars
- “My experience with April Insurance was exceptional. From their friendly and knowledgeable team to their commitment to customer satisfaction, I wholeheartedly recommend them to anyone searching for reliable insurance services.” – Add, 5 stars
Pacific Cross
Pacific Cross is one of the oldest top travel insurance providers on our list with over 75 years of experience. With an emphasis on coverage in 5 major Asian regions, including the Philippines, Pacific Cross is uniquely adept at providing locally compliant and catered Asian medical coverage.
Pacific Cross has insured over 1.5 million clients, and they have over 10,000 partnering medical experts. Their Bon Voyage plans include sports coverage for activities such as trekking and scuba diving with no additional charge.
Company Values and Focus:
- Excellence
- Stability
- Experience
- Trust
Travel Insurance Plans Offered:
- Bon Voyage Plan A – Up to 180 days
- Bon Voyage Plan B – Up to 180 days
- Bon Voyage Plan C – Up to 180 days
- Premier Plan – Annual
- Executive Plan – Annual
Awards and Accolades Received:
- 2024 – Received Best Health Insurer award for Thailand at the InsuranceAsia 2024 Country Awards for Excellence
- 2021 – Received a second consecutive Golden Arrow award from the Institute of Corporate Directors (ICD) in recognition for their exemplary commitment to good corporate governance.
Customer Reviews:
- “Pacific Cross is great! I never travel without it. Airline has lost/left my baggage 3 times and I always got paid for the hassle even if i got my bag eventually. One time, airline broke my luggage (very minor) they paid for it too. One time my wife got sick and they reimbursed it. All for like 3k/person for a trip. Totally worth it.” – Daily-Beloved, 5 stars
AXA
AXA has been at the forefront of the international insurance market for 55 years, and they are one of the largest insurance companies in the world. With over 95 million clients around the globe, including in the Philippines, AXA is known for their global presence, risk management, and data privacy.
AXA travel insurance offers medical travel benefits, trip cancellation, emergency evacuation, baggage loss, cancel for any reason options, trip interruption, and more.
Company Values and Focus:
- Customer first
- Integrity
- Courage
- One AXA – Unity
Travel Insurance Plans Offered:
- Silver Plan
- Gold Plan
- Platinum Plan
Awards and Accolades Received:
- 2019, 2017, 2016 – Received the Most Innovative Insurance Company of the Year
- 2024 – Received 10 awards at the Bloomberg Businessweek Financial Institutions Award ceremony
Customer Reviews:
- “I needed emergency medical attention during my international trip. AXA 24 hour helpline gave prompt and helpful suggestions and followed up daily offering further assistance. Claim filing was easy and the resolution of the claim was prompt and to my satisfaction. In all I had very good experience with AXA.” – Ajitkumar, 5 stars
- “Staff who helps select an appropriate policy are very helpful and pleasant.” – Dianne, 5 stars
How a Broker Can Help Travelers Secure Travel Insurance
Brokers can save travelers time and money by aiding in the research and comparison process and by using their market knowledge to find the best deals available. Travelers heading to the Philippines should purchase their insurance plans through a broker instead of directly from the insurance company.
Here are some benefits travelers get from using an insurance broker:
- You get access to more insurance choices.
- You get experienced insurance experts researching your situation for you.
- You get access to the most cost-effective plans available.
- You get assistance when submitting claims for reimbursement.
- You get expert advice designed to help you find the right plan for you, not to be led to the plan an insurance agent wants you to choose.
There are many more benefits to using a broker, and Pacific Prime is your broker of choice. Let us help you find the right Philippines travel insurance plan for your budget and needs. Contact us to learn more!
Frequently Asked Questions
What should I look for in a travel insurance policy for the Philippines?
Look for medical coverage, trip cancellations, delays, lost baggage, and emergency evacuation when picking travel insurance for the Philippines. Given the tropical climate and outdoor activities in the Philippines, ensure coverage for medical emergencies, natural disasters, and adventure sports.
Which travel insurance companies offer the best Philippines coverage?
Top providers of Philippines travel insurance include Pacific Cross, Allianz Travel, GeoBlue, AXA, VUMI, and IMG. These companies offer extensive medical coverage, trip protection, and emergency evacuation. Compare policies based on coverage limits, exclusions, and costs to find the best fit.
Does travel insurance cover COVID-19 in the Philippines?
Many travel insurers in the Philippines now offer COVID-19 coverage, including medical treatment, quarantine costs, and trip cancellations due to illness. Policies vary, so check if they cover pandemic-related expenses like testing, emergency evacuation, or trip interruptions due to epidemics.
How much does travel insurance for a trip to the Philippines cost?
Cost for a travel insurance plan to the Philippines depends on factors like trip length, traveler’s age, coverage limits, and added benefits. Basic policies start at around $30-$50 for a week, while comprehensive plans with medical and cancellation coverage can range from $80-$150.
How do I file a claim if I need to use my travel insurance in the Philippines?
To file a claim for your travel insurance policy to the Philippines, contact your insurer immediately, keep all receipts and medical records, and follow their claim process. Most providers require forms, documentation, and proof of expenses. Submitting claims online is often the fastest way.
Conclusion
We’ve now gone over the company key figures, focus values, insurance plans, awards and accolades, and customer reviews for the best insurance providers in the Philippines.
If you’re ready to begin comparing travel insurance quotes, we recommend contacting one of our insurance brokers.
If you’re not set on traveling to the Philippines or want to tour other countries while abroad, read our articles A Guide to Getting the Best Travel Insurance in Bali and A Complete Guide to Travel Insurance in Malaysia.
If you’re interested, you may also want to read these articles:
- Best Travel Insurance in the Philippines
- Health Insurance in the Philippines for Foreigners
- Top Philippines Insurance Companies for Expats and Travelers
- Guide for Living Abroad in the Philippines
- Top 7 Places for Expats to Live in the Philippines
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
- How to Compare Travel Insurance Plans the Smart Way – October 21, 2025
- Best Hospitals in the UAE: Top Picks in Dubai and Abu Dhabi – October 21, 2025
- How Much is a Doctor Visit in Dubai Without Insurance? – October 21, 2025
