Travel Insurance for the Philippines

The Philippines is an exotic country comprising 7,641 islands that never fails to mesmerise its visitors. Whether it's the fine white sand of the Boracay beach, the captivating views of the Chocolate Hills, or the rich Spanish colonial history of Manila, the country has something for every tourist.

Amidst all the adventures and sightseeing, having the safety net of a reliable travel insurance can make a significant difference. For instance, if your return flight from Ninoy Aquino International Airport is delayed due to bad weather, our Philippines travel insurance will make sure your meals and accommodation are taken care of.

Another common problem tourists face is ensuring the safety of their passports and wallets while exploring busy tourist destinations. So if you lose your passport in Manila Chinatown, we cover the cost of getting a replacement.

In short, IndusInd Travel Insurance (formerly Reliance Travel Insurance) is your proactive travel companion, ensuring your trip to the Philippines is memorable. In case of emergencies, the claims are quick with the IndusInd Insurance app, and support is available from the start of your trip until you return home safely.

Why to - H2

Why 8 Crore+ Policyholders Choose Us?

The only unforgettable adventures on your Philippines trip should be hiking the volcanic mountains and swimming with the whale sharks. With our traveller-centric IndusInd Philippines travellers' insurance, we make sure you get reliable support and don’t have to worry about unexpected expenses.

Location - Travel Insurance

$500,000 Coverage

High Medical Coverage

24/7 Customer Support

Get help anywhere in Philipinnes

AI-Powered App

Quick processes and 24/7 support

No Medical Check-ups

Just apply, pay and download!

Benefits of Buying Philippines Travel Insurance

Cashless Medical Coverage

Medical emergencies can arise anywhere. If the fatigue of snorkelling in the Apo Islands takes over, we cover your medical bills for the treatment. You can get cashless care by visiting any of the certified hospitals in the Philippines. Our policy provides medical coverage of up to USD 500,000. Just submit your policy papers at the front desk.

24/7 Emergency Cash Support

It’s never fun to lose your wallet, but it can especially throw off your plans if you are on a trip. Doesn’t matter if you lose it on the streets of Manila or if it gets stolen anywhere in the Philippines. We provide emergency cash of up to USD 300. You can reach out to us anytime, and we will arrange the money so your plans don’t take a backseat.

Flight Delays & Connecting Flights

The Philippines and its airports can get very crowded during the bustling celebrations of the weeklong Christmas. So if that leads to flight delays of over 12 hours, our Philippines travel insurance provides coverage of up to $60 per day. This ensures comfortable accommodation and meals while you wait to board your next flight.

Lost Baggage Support

We understand the distress if you landed at Manila airport, but your baggage didn’t. To avoid such stressful situations, you can buy Philippines travel insurance. We offer baggage support of up to USD 100 for checked-in baggage delays that exceed 12 hours. For entirely lost baggage, you can claim up to USD 1500 to cover the cost of your essentials.

Personal Liability

Iloilo City is popular for biking sports in the Philippines. In case you end up damaging your bike or accidentally injuring another biker, our personal liability cover has you back. Our travel insurance for Philippines trip covers up to USD 200,000 to compensate the third party for their losses. This ensures you don’t have to pay out of pocket.

Loss of Passport

A tight itinerary and the thrill of exploring the Philippines can sometimes lead to unfortunate events like losing your passport. To make sure you don’t end up paying for a replacement out of your pocket, our travellers' insurance for the Philippines provides a cover of up to USD 300 so you can carry out your trip without any added expenses to your budget.

Key Features

Key Features of IndusInd Philipinnes Insurance

Individual Travel Plan

With its all-round coverage, this is one of the best travel insurance for the Philippines for individual travellers. From passport loss to baggage delay, dental treatments and flight delay, it provides protection for all your travel needs in the Philippines. Here is a breakdown of the coverage limits and the key features this insurance provides.

Key Features-Individual Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$500,000
Personal liability	$100,000	$200,000
Personal accident	$20,000	$30,000
Total loss of baggage	$1,000	$1,500
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 6 Days)	$60/day (maximum cap of 6 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹3,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Family Travel Plan

Travelling with family can be a delightful experience, but it can soon feel like trouble if you have to buy and track four different plans in times of need in the Philippines. To save the distress, we offer a family travel plan for 4 members. With a coverage of up to $250,000 and shared benefits, this plan makes claims handling and policy processing a lot easier than managing four separate plans.

Key Features-Family Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$250,000
Personal liability	$100,000	$200,000
Personal accident	$15,000	$25,000
Total loss of baggage	$500	$1000
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 5 Days)	$50/day (maximum cap of 7 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹1,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Disclaimer: Please refer to the official policy wordings for detailed information linked here

Inlcusion Exclusion

IndusInd Philipinnes Insurance: Inclusions & Exclusions

Location - Travel Insurance

What is covered?

Emergency Care: Covers medical and dental treatment resulting directly from accidental injuries sustained during your trip.

Pre-existing Diseases: If a pre-existing condition becomes life-threatening while travelling, emergency treatment costs will be covered.

Third-Party Liability: If you accidentally injure someone or damage their property, we’ll cover the resulting medical or repair expenses.

Travel and Baggage Delay: Covers delays due to medical emergencies, bad weather, job loss or security issues. Baggage delays exceeding 12 hours are also covered.

Lost Passport: If your passport is lost or stolen during your trip, the plan helps cover the cost of getting you a replacement.

Location - Travel Insurance

What is not Covered?

Planned Treatment: Travelling to any Asian country solely for medical treatment, surgery or cosmetic procedures is not covered under the policy.

Undeclared Pre-existing Diseases: Medical emergencies related to pre-existing illnesses that were not disclosed before purchasing the plan will not be covered.

Pregnancy-Related Exclusion: If you are over 30 weeks pregnant, any expenses related to childbirth or associated complications during the trip are excluded.

Legal Violations: Costs arising from legal issues, including situations that result in your passport being seized by authorities, are not covered.

Negligence: Claims won’t be accepted for missed flights caused by personal delays or failure to carry necessary travel documents.

Disclaimer: Please refer to the official policy wordings for detailed inclusions and exclusions.

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How to Buy?

How to Buy IndusInd Philipinnes Travel Insurance?

You can now buy travel insurance online for the Philippines in just a few simple steps. It is a quick and easy process that barely takes a few minutes. Here are the guided steps to get you started.

Location Travel Insurance

Select Trip Type

Scroll up to the form on top and select your travel purpose.

Enter Your Details

Enter your travel dates, DOB and choose Philipinnes as your destination.

Compare & Select

For an instant quote pick your SI in calculator below and click "Compare Plans".

Complete KYC

Enter your phone number and complete the online KYC process.

Pay & Get Policy

Pay online and get your Philipinnes travel insurance plan instantly via email.

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How to Claim?

How to Claim IndusInd Philipinnes Travel Insurance ?

Location Travel Insurance

Cashless

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network garages.

Steps to file a cashless claim

For medical claims, let us know via our helpline or email using your policy number.

Check if the hospital accepts cashless claims & submit the claim form.

IndusInd Care (previously Reliance Care) will review the claim and your documents.

Upon approval, we place a Guarantee of Pay (GoP) to the hospital.

If the hospital does not agree to the GoP, you can always file a reimbursement claim.

Location Travel Insurance

Reimbursement

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network
garages.

Steps to file a Reimbursement claim

Get in touch via our helpline or email for luggage delays, trip cancellations, etc.

Complete the claim form and gather all other necessary documents.

You might need to submit a passport copy, flight tickets, emails from the airline or FIR.

IndusInd Care (previously Reliance Care) will review the claim to decide its approval.

After approval, the compensation or benefit amount will be disbursed to you.

Disclaimer: For the complete list of documents, please refer to your policy wordings. For further assistance, you can contact customer support.

Types of Visas for the Philippines

Based on the purpose and duration of your visit, the Philippine government offers different types of visas. From tourist visas to business travels and pleasure visits, these visas cater to your different needs. In any case, you must have a passport that is valid for at least 6 months beyond your intended stay and a confirmed return or onward ticket. Here is a breakdown of all the Philippine visas.

Visa-free Travell

Indian nationals can visit the Philippines for up to 14 days (non-extendable) without a visa for tourism or business purposes. You’ll need an e-travel declaration for this.

Tourist Visa

Granted to travellers visiting the Philippines for tourism, leisure, sightseeing, or recreation. Also applicable for visits to family and friends there.

Transit Visa

If you are travelling from one country to another and have a layover of up to 72 hours in the Philippines, you may need a valid transit visa.

Medical Treatment Visa

Any foreign national visiting the Philippines for medical treatment can apply for a medical visa. It is also applicable to the escorts of the patient.

Business Visa

If you are visiting the Philippines for any scientific, commercial, industrial or business purposes, you can apply for a business visa to enter the Philippines.

Student Visa

If you have completed 18 years of age and wish to pursue a course higher than high school in the Philippines, you will need a student visa for the same.

Filmmaking Visa

This visa is for filmmakers and their crew visiting the Philippines to make a film or documentary. They must provide the film synopsis, proof of past work, etc.

Journalism Visa

If you are a journalist who wants to temporarily visit the Philippines for news or journalism purposes, you can apply for a journalist visa with proof of past work.

Athletic or Performing Arts Visa

It is applicable for athletes invited by a Philippine sporting association or performers with valid endorsement letters from the local government of the venue.

Embassy Contact Details: India and Philippines

Parameters	Embassy of Philippines in India	Indian Embassy in Philippines
Location	New Delhi, India	Manila, Philippines
Address	50-N, Nyaya Marg, Chanakyapuri, New Delhi – 110021	2190 Paraiso Street, Dasmariñas Village, Makati City, Metro Manila
Contact Number	+91 11 2688 9091 / 2688 8838	+63 2 8784 6342 / 8563 4592
Email Address	newdelhi.pe@dfa.gov.ph; consularinquiriestophembassy@gmail.com	cons.manila@mea.gov.in; hoc.manila@mea.gov.in
Website	newdelhipe.dfa.gov.ph	eoimanila.gov.in
Operating Days	Monday to Friday	Monday to Friday
Operating Hours	9:00 am – 12:00 pm, 1:30 pm – 5:00 pm	9:00 am – 12:30 pm, 1:00 pm – 5:30 pm

Best Time to Visit the Philippines

The Philippines is a great destination to visit year-round. However, due to its pleasant beaches, scenic views and rich biodiversity, most tourists prefer to travel during the dry season. Knowing your travel preferences and the right season can make a significant difference to your experience.

November to February

What to Expect: Cool, dry weather (25–30°C) with sunny days. Great for sightseeing.

Perfect For: Christmas celebration, outdoor activities, city trips and first-time visits.

Tourist Flow: Heavy

Flights and Hotel Rates: Highest due to peak season visits

Return Airfare from India (Approx): ₹23,000–₹50,000

Keep in Mind: Book flights and hotels in advance from reliable sites

March to June

What to Expect: Hot, dry weather (25–36°C). Flores de Mayo, Bangkero Festivals.

Perfect For: Local festivals, water sports like diving and snorkelling and mountain visits.

Tourist Flow: Moderate

Flights and Hotel Rates: May spike briefly in March/April.

Return Airfare from India (Approx): ₹22,000–₹40,000

Keep in Mind: Book beach stays in advance as they fill up quickly.

July to October

What to Expect: Off-season. Rains with high humidity. 25–36°C. Lush greenery. Typhoons.

Perfect for: Indoor activities, shopping, budget travel. A less crowded holiday experience.

Tourist Flow: Very Low

Flights and Hotel Rates: Highly discounted

Return Airfare from India (Approx): ₹21,000-₹30,000

Keep in Mind: Typhoon forecasts, rain, and limited outdoor activities.

Interesting Facts About the Philippines

Island Nation: After Indonesia, it’s the 2nd largest archipelago in the world. 5000+ islands are still uninhabited and unmapped on Google Maps.

Largest Underground River: The Puerto Princesa River was formed millions of years ago, with 24 km of caverns underneath the St. Paul Mountain Range.

Love for Karaoke: An integral part of Filipino nightlife, you can find karaoke machines in almost every bar, restaurant, and even homes here.

Monkey-eating Eagle: It’s the national bird of the Philippines and the world’s largest eagle. There are approximately only 500 of them left.

Jeepney Rides: A common and cheap mode of public transport, the first Jeepneys were made from leftover parts by American troops in World War II.

Only Asian Catholic Nation: Due to its Spanish colonisation, 90% of the population here is catholic, making it the only catholic country in Asia.

Shopping Malls: The country is home to some of the largest shopping malls in the world. SM Mall of Asia in Manila makes it to the top 10 list.

Christmas Celebration: Christmas is the longest celebrated festival here. Preparations start as early as September and last four months.

Marine Marvels: In the diverse Philippine marine life, you can find more than 2000 types of fish and 500+ coral varieties while snorkelling.

Home to Pearls: A diver discovered the world’s largest pearl in the Palawan Sea 15 years ago. It is now valued at $100 million and weighs 75 pounds.

Essential Apps for Your Philippines Trip

Translation

While English is widely spoken in the Philippines, some of the rural areas may not be so fluent. You can use apps like Google Translate, Naver Papago, SayHi Translate or Microsoft Translator to enable translations from Tagalog/Filipino to English.

Accommodation and Hotel Booking

While you can use apps like Agoda, OYO, and Airbnb for your hotel and accommodation bookings in the Philippines, you can also explore other, more popular local options like RedDoorz and Traveloka for a smoother and quicker booking experience.

Navigation

You can use Google Maps for navigation and real-time traffic updates in the Philippines. However, it may not work as effectively in the rural areas. In such cases, you can rely on Waze, Map of the Philippines offline, and Maps.me as alternative options.

Transport

You can easily hail cabs in Manila and other urban cities with Grab, considered to be one of the most reliable ride-booking options. There are also alternatives like Angkas (for motorcycles), JoyRide, Move It (only motorcycles) and inDrive.

Sightseeing and Events

You can always check Google Maps listings to explore events in the Philippines. To explore and book local events and sights, Klook, Travel Philippines, GetYourGuide, and Ticketnation are considered great options.

Weather Updates

In case you do not want to go outside to eat, you can order takeout using Food Panda, GrabFood, Mangan.ph and Pickaroo apps. They offer great deals, discounts and rapid delivery from popular local restaurants and international food chains.

Key Takeaways

After the 14-day visa-free entry announced on June 8, 2025, the Philippines has emerged as one of the most searched travel destinations for Indian travellers. Given its rich biodiversity, direct flights between New Delhi and Manila, and high affordability, the numbers are only expected to grow.

But trips to any location can turn out to be quite stressful if you end up with lost luggage or long flight delays. That is why it is important to buy Philippines travel insurance to avoid such last-minute distress. This is also the reason why 92% of Indians prefer to get their international trips insured.

This is where our IndusInd Philippines Travel Insurance (formerly Reliance Philippines Travel Insurance) comes into play. You can not only buy the insurance plan in just a few minutes, but also make claims and seek 24/7 support through the IndusInd Insurance app. With our premiums starting at just ₹306, our plans include coverage for emergency medical and dental treatments up to $500,000. We also cover trip delays, flight delays, baggage loss, reimbursement for passport and wallet loss, etc.

In short, this is not just a travel plan but a complete safety backup ensuring you can navigate any unfortunate events with complete ease. Whether you travel alone or with family, we are here to support you in any circumstance.

Author - Location Travel

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Philippines Travel Insurance Starting at Just ₹306*

Insure Your Trip to Philippines Today!

From island-hopping in Palawan to admiring colonial architecture in Vigan stay protected with IndusInd Travel Insurance!

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4.7 ★ ★ ★ ★ ★ (45)

I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Yogya Kolliboina

Rangareddy

4.5

Seamless digital experience

I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Saroja Kolliboina

Rangareddy

From start to finish, the process of getting my Travel insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Padmanabhan

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Alpabharat Gala

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.

Caroline Ghosh

MUMBAI

Easy application

The process of applying for my travel insurance policy was simple and quick to complete.

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Are 7 days enough in the Philippines?

For the best experience, it is highly recommended to plan at least a two-week trip to fully explore the country. In 7 days, you can probably only explore 2-3 cities at most, but it would not be enough if you wish to cover multiple cities.

What are some essentials I should pack for my Philippines trip?

Here is a list of some essentials that can come really handy during your trip to the Philippines. Swimsuits for beach visits and water sports. Lightweight clothing for hot, humid weather. Rash guards, insect repellents and high SPF sunscreens.

What are some key tips to remember when travelling to the Philippines?

Here are some key tips you should remember for a smooth Philippines travel experience. While ATMs are readily available in the urban localities, they are quite scarce in the rural areas. It would always be more convenient to carry the Philippine Peso (cash) for an uninterrupted experience. You can buy a local tourist SIM card from the airport for more convenient communication. They offer approximately a 30-day package. Globe, Smart and DITO are some of the most popular network providers for tourists. Carry digital and physical copies of your passport, visa and Philippines travel insurance to avoid unwanted hindrances. Bring your own sunscreen, as local purchases can be expensive. Drink bottled water and use mosquito or insect repellents to avoid falling sick.

Is Philippine travel insurance mandatory?

The Philippine government does not mandate travel insurance for visitors. However, it is highly recommended to cover unexpected medical expenses, trip delays or cancellations, lost baggage or even the cost for a replacement passport, etc. IndusInd Travel Insurance provides comprehensive coverage that covers all these unexpected costs and unforeseen trip disruptions.

What are some of the must-visit places in the Philippines?

If you are inclined to explore beaches, blue water and water sports, then you must visit: Palawan - for lagoons, remote islands and snorkelling. Siargao - sea surfing. Boracay - beach holidays, white sand beaches, and sunset strolls. If you want to explore islands, these are your go-to options: Bohol - known for its mix of beaches and chocolate hills. Camiguin - multiple hot springs, volcanoes and waterfalls. Siquijor - For a laid-back travel experience and natural beauty. In case you are more into mountains and cooler weather, you can explore these places: Banaue and Batad - known for beautiful rice terraces and mountain treks. Sagada - mysterious hanging coffins, limestone and pine forests. Baguio - Refreshing mountain climate, shopping and dining, and strawberry fields.