Travel cancellation insurance

Philippines: what are the best travel cancellation insurance policies in 2025?

Insurances

Rating

Features

Our opinion

Our Offers

See our methodology

International Travel Insurance

Heymondo

International Travel Insurance

Rating

5.0

Deductible

Cancellation guarantee

Up to 7 000 $

Essential medical costs

Up to 10 000 000 $

Repatriation costs

Unlimited

Maximum trip duration

1 year

Loss / theft / delay of luggage

1 700 $

Deductible

Cancellation guarantee

Up to 7 000 $

Essential medical costs

Up to 10 000 000 $

Repatriation costs

Unlimited

Maximum trip duration

1 year

Loss / theft / delay of luggage

1 700 $

Best value for money

Intuitive Heymondo app
Registration in English
Guaranteed refund
Up to 49 years

Pros

Cons

Intuitive Heymondo app
Registration in English
Guaranteed refund

More information

Our detailed review

Heymondo’s International Travel Insurance offers travelers a comprehensive and customizable coverage plan, ensuring peace of mind during both international and domestic journeys. One of the standout features of this policy is the absence of any deductible or excess, meaning that policyholders are not required to pay any out-of-pocket expenses before the insurance coverage takes effect. This feature simplifies the claims process and provides immediate financial relief in case of unforeseen events.

The policy provides substantial coverage for essential medical costs, with limits reaching up to $10,000,000 USD. This extensive coverage encompasses medical expenses incurred abroad due to sudden illness or accidental injury, including hospitalization, prescription medications, and inpatient physical therapy. Emergency dental treatments aimed at alleviating acute and sudden pain are also covered. Additionally, the insurance includes medical transportation and repatriation services, ensuring that policyholders can be safely returned to their home country if necessary. In cases where hospitalization extends beyond seven days, the policy covers travel and lodging expenses for a family member to accompany the insured, providing emotional support during challenging times.

Regarding trip duration, Heymondo’s policy is designed to accommodate various travel plans. For frequent travelers, the Annual Multi-Trip Travel Insurance covers all trips taken within a year, provided each trip does not exceed 60 days. This flexibility is ideal for individuals embarking on multiple journeys throughout the year, whether for leisure or business purposes. For those planning extended stays, the Long Stay Travel Insurance offers coverage for trips longer than 90 days, catering to long-term travelers, digital nomads, and individuals on assignments abroad.

In the event of travel disruptions, the policy offers compensation for flight delays and cancellations. If a trip is canceled due to covered reasons, such as a positive COVID-19 test or the serious illness or death of a close relative, the policy reimburses up to $7,000 USD for pre-paid, non-refundable expenses. This coverage must be purchased within seven days of the initial trip booking to be valid. For delays caused by public transport issues, the policy reimburses accommodation, meals, and refreshments, ensuring travelers are not left out-of-pocket due to unforeseen delays. Additionally, if a missed connection occurs due to the late arrival of an incoming flight, the insurance covers essential expenses, including the purchase of an alternative flight ticket if necessary.

The luggage coverage under this policy is designed to protect personal belongings against theft, loss, or damage. Policyholders are entitled to compensation of up to $2,500 USD in such events. In cases where checked baggage is delayed or misdirected by the carrier, the policy reimburses the purchase of necessary personal effects, ensuring travelers have access to essential items while awaiting their luggage. Furthermore, if official documents such as passports or visas are lost or stolen, the insurance covers the administrative expenses incurred for their replacement, alleviating the stress associated with such incidents.

Beyond these core features, Heymondo’s International Travel Insurance includes several additional coverages that enhance its appeal. Personal liability coverage of up to $2,000,000 USD protects against claims for bodily injury or property damage to third parties, including legal costs and expenses. The policy also offers compensation of up to $60,000 USD for accidental death or permanent disability resulting from incidents during the trip. For those planning to engage in adventure sports, an optional add-on extends coverage to activities such as white-water rafting, diving up to 20 meters, and bungee jumping, ensuring thrill-seekers are adequately protected. Additionally, coverage for electronic equipment is available, safeguarding valuable items like laptops, tablets, and cameras against theft or damage. The policy also addresses unforeseen events such as natural disasters, covering additional accommodation and transportation costs incurred during the trip due to events like floods, earthquakes, or hurricanes. For travelers renting vehicles, the insurance provides coverage for rental car excess up to $500 USD, offering financial protection against potential damages or theft of the rented vehicle.

To further enhance user experience, Heymondo offers a Travel Assistance App, providing 24/7 medical chat support, free online assistance calls, and efficient claims management, all accessible from the convenience of a mobile device. This app ensures that help is readily available, streamlining the process of seeking assistance and managing claims.

In summary, Heymondo’s International Travel Insurance stands out for its comprehensive coverage, absence of deductibles, and flexibility in accommodating various travel durations. The inclusion of extensive medical coverage, robust trip interruption benefits, generous luggage protection, and a suite of additional coverages makes it a compelling choice for travelers seeking reliable and extensive insurance protection. The user-friendly Travel Assistance App further enhances the policy’s attractiveness, ensuring that support is always within reach, no matter where the journey leads.

Globe Traveller

ACS

Globe Traveller

Rating

4.9

Deductible

30 $

Cancellation guarantee

Up to 9 000 $

Essential medical costs

Up to 300 000 $

Repatriation costs

100 % of actual costs

Maximum trip duration

1 year

Loss / theft / delay of luggage

Up to 1 150 $

Deductible

30 $

Cancellation guarantee

Up to 9 000 $

Essential medical costs

Up to 300 000 $

Repatriation costs

100 % of actual costs

Maximum trip duration

1 year

Loss / theft / delay of luggage

Up to 1 150 $

Assistance guarantee - medical repatriation
Direct cover for hospitalisations longer than 24 hours
Liability insurance private life
Individual accident insurance

Assistance guarantee - medical repatriation
Direct cover for hospitalisations longer than 24 hours
Liability insurance private life

Individual accident insurance

More information

Our detailed review

The ACS Globe Partner Travel Insurance policy provides a comprehensive set of benefits designed to ensure security and financial coverage for travelers. A significant feature of this insurance is the excess, which is set at $100 per claim and per file across various benefits, including legal liability, medical expenses, and luggage claims. This ensures that policyholders bear a minimal out-of-pocket cost before the insurance coverage takes effect. The presence of a fixed excess amount simplifies the claims process, allowing travelers to anticipate their potential costs in case of an incident.

The maximum amount for essential medical costs covered under this policy is $300,000 per person per year, which includes expenses related to hospitalization, surgery, consultations, pharmacy needs, and paramedical care. The insurance covers 100% of actual costs for hospitalization and surgery, ensuring that policyholders do not have to worry about medical expenses exceeding their coverage limit. Additionally, emergency dental treatment is covered up to $300, while dental treatment following an accident extends up to $600, providing a sufficient level of protection for dental emergencies. Notably, students benefit from extended emergency medical coverage of up to $15,000 in their country of residence during school holidays, making this an attractive option for young travelers studying abroad.

The maximum trip duration for this insurance is structured in a way that allows flexibility for travelers. The policy can be subscribed to for a fixed term of up to 12 months and can be renewed twice, allowing for extended coverage up to a total of three years. However, renewal is contingent on maintaining continuous coverage without interruption. The insurance is specifically designed for travelers under the age of 40, which means it is particularly suitable for students, young professionals, and long-term travelers who require consistent coverage during their stays abroad.

The flight delay and cancellation compensation ensures travelers are not left out of pocket due to unforeseen travel disruptions. The insurance provides early return benefits if a policyholder must return home due to the death of an immediate family member, covering actual transport costs. In the event of hospitalization exceeding seven days, a relative or friend can be flown in, with expenses for transportation and accommodation covered up to $80 per night for a maximum of 8 nights. If travelers need to extend their stay due to medical reasons, the policy covers additional accommodation costs of $80 per night for up to 15 nights, ensuring financial security during unexpected health-related disruptions. Furthermore, medical repatriation and transport costs are fully covered, guaranteeing policyholders access to appropriate medical facilities when necessary.

The luggage cover provides compensation for personal belongings lost, stolen, or damaged during transit, with a maximum benefit of $1,150 per claim. This coverage applies specifically to luggage during the outward and return journey and includes reimbursement for theft, total or partial destruction, or loss during transport by a carrier. However, specific exclusions apply, including jewelry, electronic devices, professional equipment, musical instruments, food, and high-value items. The claim process requires supporting documents such as a police report, transport company loss statement, and purchase receipts. Compensation is calculated based on the replacement value with depreciation applied, ensuring a fair valuation for lost or damaged items.

Beyond these primary features, the policy offers several additional benefits that enhance its attractiveness. Legal liability coverage is provided, with $4.5 million for personal injury claims and $450,000 for property damage, ensuring strong protection against third-party claims during the trip. Coverage extends to objects entrusted to the policyholder during a traineeship or internship, with a compensation limit of $11,500, making this an appealing option for young professionals or students engaged in work placements abroad. Search and rescue costs are covered up to $3,000, providing security for those engaging in outdoor or adventure activities.

The policy includes legal assistance up to $3,000, and bail bond advances up to $7,000, offering financial support in case of legal troubles while traveling. Additionally, an advance of funds up to $700 is available in the event of theft or loss of payment methods, ensuring policyholders have access to emergency cash when needed. Funeral costs in the event of death are covered up to $1,500, while full repatriation of the body is covered at actual costs, providing peace of mind for loved ones.

In summary, the ACS Globe Partner Travel Insurance offers a well-balanced and comprehensive coverage plan tailored for young travelers, students, and professionals abroad. With reasonable excess fees, strong medical expense limits, generous trip duration allowances, extensive repatriation and assistance benefits, and reliable luggage protection, it provides solid protection in various travel scenarios. The addition of legal liability coverage, emergency fund advances, and search and rescue costs further enhances its appeal, making it a strong contender for travelers seeking dependable and extensive travel insurance coverage.

Cap Cancellation

Chapka

Cap Cancellation

Rating

4.6

Deductible

20 % of the claim

Cancellation guarantee

Up to 8 000 $

Essential medical costs

1 000 000 $

Repatriation costs

Not covered

Maximum trip duration

90 days

Loss / theft / delay of luggage

3 000 $

Deductible

20 % of the claim

Cancellation guarantee

Up to 8 000 $

Essential medical costs

1 000 000 $

Repatriation costs

Not covered

Maximum trip duration

90 days

Loss / theft / delay of luggage

3 000 $

Renewal possible
Cover for sports included
Covid guarantee
24/7 assistance
Cancellation insurance optional

Renewal possible
Cover for sports included
Covid guarantee

24/7 assistance
Cancellation insurance optional

Our detailed review

The Chapka Cap Assistance 24/24 Travel Insurance offers a well-rounded and extensive package designed to provide financial security for travelers in various situations. A fundamental aspect of this insurance is the excess, which applies to specific claims, ensuring that policyholders share a portion of the costs before receiving compensation. Although the exact amount of the excess is not explicitly detailed in every section, the policy states that for medical expenses abroad, the insured must first use any available national healthcare coverage before additional expenses are reimbursed. This ensures that policyholders maximize existing benefits before claiming through the travel insurance, making it a practical option for those who already have partial coverage. In the event of a claim, prior authorization from the assistance center is required, which helps manage costs and streamline the reimbursement process.

A key feature of this policy is the coverage for essential medical costs, which varies depending on the geographical region. In Zone 1 (Europe, Israel, Morocco, Tunisia), coverage extends up to $100,000 per insured person. In Zone 2 (Worldwide excluding specific high-risk countries), the limit increases significantly to $500,000 per insured person, while for Zone 3 (including high-cost countries like the USA, Canada, Thailand, Mexico, India, and Indonesia), the maximum coverage reaches $1,000,000 per insured person. This coverage includes hospitalization, surgery, paramedical care, consultations, and emergency prescriptions, ensuring that travelers have financial security in case of unexpected medical events. Additional benefits include emergency dental care up to $300 per person, along with search and rescue costs up to $10,000 per person and $30,000 per event, which can be particularly useful for travelers engaging in adventure or outdoor activities.

Regarding maximum trip duration, this insurance policy covers trips lasting up to 90 consecutive days. This limitation ensures that the policy is best suited for short- to medium-term travelers rather than those planning long-term stays abroad. Any trip exceeding 90 days is not covered, meaning policyholders looking for extended coverage beyond this period would need to explore alternative long-term insurance options. This makes the policy ideal for frequent travelers, digital nomads on short-term stays, and students or professionals on temporary assignments abroad.

The flight delay and cancellation compensation provided under this policy is structured to offer financial relief in cases of significant travel disruptions. For flight delays, compensation of up to $250 per insured person is available if a scheduled flight is delayed by more than four hours (for standard flights) or six hours (for charter flights). In the case of a missed flight, policyholders are reimbursed 80% of the total cost of the original ticket, up to a maximum of $8,000 per person. Additionally, for a missed connection due to a delay of more than six hours, the insurance covers accommodation, meals, and transfer costs up to $100 per insured person, ensuring that travelers are not left stranded due to circumstances beyond their control.

The luggage cover ensures protection against theft, total or partial destruction, or loss during transport by an airline or transport company, with compensation reaching a maximum of $3,000 per insured person. This is particularly valuable for those carrying expensive items, as it provides significant reimbursement in case of loss or damage. Precious objects, including electronics and jewelry, are covered up to 50% of the total luggage cover, meaning a maximum of $1,500 per insured person. In addition, compensation for delayed baggage is available, offering up to $300 per insured person for essential purchases in the event of a delay. Further financial protection is offered through the reimbursement of travel document restoration costs, up to $150 per insured person, providing peace of mind in the event of passport or ID loss.

Beyond these core features, the policy includes a range of additional benefits that further enhance its value. Personal liability insurance abroad is covered up to $4.5 million per event for bodily injury and $300,000 per event for property damage, ensuring strong protection against third-party claims. Legal expenses abroad are covered up to $20,000 per litigation case, offering travelers financial support in legal disputes that may arise during their trip. Trip interruption coverage provides reimbursement of unused ground services, up to $7,500 per person and $35,000 per event, ensuring that unforeseen situations requiring an early return do not result in substantial financial losses.

For those traveling with pets, the policy offers return ticket reimbursement of up to $250 per event, covering expenses related to bringing pets home in case of repatriation. Additionally, sports equipment protection ensures reimbursement of up to $300 per event for stolen or damaged equipment, making it a suitable option for travelers engaged in sports activities. Home assistance coverage is also available in case of incidents at home while traveling, including emergency accommodation costs up to $80 per night for up to five nights.

In conclusion, the Chapka Cap Assistance 24/24 Travel Insurance offers well-balanced and extensive coverage for short- to medium-term travelers, providing strong medical expense benefits, flexible trip duration options, robust travel disruption compensation, and generous luggage protection. The inclusion of high personal liability coverage, legal assistance, trip interruption compensation, and additional covers for pets and sports equipment further strengthens its appeal. While the 90-day trip duration limit may not be ideal for long-term travelers, this policy remains an excellent choice for holidaymakers, business travelers, students, and digital nomads looking for extensive and reliable insurance coverage during their trips.

World Travel

Mondial Care

World Travel

Rating

4.4

Deductible

50 $

Cancellation guarantee

Up to 300 $

Essential medical costs

Up to 700 000 $

Repatriation costs

Up to 1 000 $

Maximum trip duration

1 year

Loss / theft / delay of luggage

3 000 $

Deductible

50 $

Cancellation guarantee

Up to 300 $

Essential medical costs

Up to 700 000 $

Repatriation costs

Up to 1 000 $

Maximum trip duration

1 year

Loss / theft / delay of luggage

3 000 $

Access to Telemedicine (online doctor)
Coverage for quarantine of $1,000
24/7 assistance
COVID-19 cover

Access to Telemedicine (online doctor)
Coverage for quarantine of $1,000
24/7 assistance

COVID-19 cover

More information

Our detailed review

The MondialCare World Travel Insurance policy provides a broad and well-structured range of benefits for travelers, ensuring financial security across multiple aspects of their journey. A key component of this policy is the excess, which is applied to medical reimbursements and other claims. For medical expenses incurred abroad, a $50 deductible is applied per claim, ensuring that travelers contribute a manageable amount before the insurer covers the remaining eligible expenses. This excess remains relatively low compared to many other travel insurance policies, making it accessible while maintaining substantial protection.

The maximum amount of essential medical costs covered varies depending on the circumstances and the traveler’s location. The policy offers comprehensive medical and hospitalization coverage, ensuring that necessary treatment, hospitalization, and specialist care are provided without undue financial burden. Medical repatriation costs are fully covered, allowing insured individuals to be transported to an appropriate medical facility if required. Additionally, emergency dental care is covered up to $250, ensuring financial relief for unexpected dental issues during travel. Another standout feature is the advance payment for hospital expenses, which allows for direct payment to healthcare facilities instead of requiring policyholders to pay upfront and wait for reimbursement. This is particularly beneficial for those traveling to destinations with high medical costs.

The maximum trip duration under this policy is set at 90 days per trip, making it suitable for short- to medium-term travelers, including tourists, business travelers, and expatriates on temporary assignments. Coverage applies worldwide, with the policy catering to individuals traveling for leisure, work, or study. However, it does not automatically renew, requiring policyholders to extend coverage manually if they plan to travel beyond the initial insured period. The 90-day limit ensures that coverage remains adaptable to most travel needs while maintaining strong protection for extended stays abroad.

The flight delay and cancellation compensation under this policy provides essential financial support in cases of travel disruptions. Compensation of up to $250 per insured person is granted for flight delays exceeding four hours for scheduled flights and six hours for charter flights. If a traveler experiences a missed connection due to a delay exceeding six hours, the insurance covers additional accommodation, meals, and transfer costs up to $100 per insured person. Additionally, if the insured is denied boarding due to overbooking or temperature-based health screenings, a fixed compensation of $50 is provided. In the case of trip cancellation, the policy covers 100% of ticket costs due to medical emergencies, visa rejections, serious damage to the insured’s home, or the death of a close family member, ensuring financial protection against unforeseen events. However, cancellations due to strikes or carrier-related issues are excluded, limiting its applicability in certain situations.

The luggage cover provides extensive protection for travelers’ personal belongings, offering compensation of up to $3,000 per insured person in case of theft, loss, or damage. Valuables, including electronics, jewelry, and watches, are covered up to 30% of the total luggage allowance, ensuring that travelers carrying high-value items receive adequate compensation. Additionally, baggage delays exceeding 24 hours qualify for reimbursement of up to $250 to cover essential replacement items such as clothing and toiletries. Loss of travel documents, including passports and visas, is covered up to $150, facilitating swift replacement in the event of theft or misplacement.

Beyond these fundamental features, the policy includes several additional benefits that further enhance its attractiveness. Personal liability coverage is extensive, with a limit of $4.5 million per event for bodily injury claims and $300,000 for property damage, ensuring strong protection against third-party claims. Legal assistance of up to $20,000 is available to support insured individuals in legal disputes while abroad. Search and rescue operations are covered up to $5,000, providing essential financial aid for travelers engaging in adventure activities or remote-area travel.

Further benefits include trip interruption coverage, which reimburses up to $7,500 per insured person and $35,000 per event for unused travel expenses due to emergencies requiring an early return. Psychological assistance is also provided in the event of severe trauma or injury, covering consultation costs with a licensed psychologist. Additionally, evacuation due to political unrest or natural disasters is covered, ensuring travelers can return home safely in case of unexpected events in their destination country.

Overall, the MondialCare World Travel Insurance policy offers a well-balanced and extensive coverage plan, making it an excellent choice for short- to medium-term travelers looking for strong medical coverage, comprehensive trip protection, and generous baggage compensation. The inclusion of high personal liability limits, legal assistance, search and rescue benefits, and trip interruption compensation enhances its value, ensuring that policyholders have access to one of the most adaptable and reliable travel insurance options available. The combination of moderate excess, strong medical benefits, flexible trip duration, and broad additional protections ensures that travelers can embark on their journeys with confidence, knowing they have robust and comprehensive travel insurance coverage.

SafeTrip with COVID-19

Pioneer

SafeTrip with COVID-19

Rating

4.1

Deductible

Not stated

Cancellation guarantee

Up to 125 000 Php

Essential medical costs

2 500 000 Php

Repatriation costs

Actual cost

Maximum trip duration

Up to 184 days

Loss / theft / delay of luggage

50 000 Php

Deductible

Not stated

Cancellation guarantee

Up to 125 000 Php

Essential medical costs

2 500 000 Php

Repatriation costs

Actual cost

Maximum trip duration

Up to 184 days

Loss / theft / delay of luggage

50 000 Php

Covers COVID-19 emergency treatment and evacuation
Excludes COVID-related cancellations at boarding or fear of travel
Limited payout for baggage, especially valuable items

Pros

Cons

Covers COVID-19 emergency treatment and evacuation

At an agency

Our detailed review

Pioneer’s “SafeTrip with COVID-19” travel insurance offers decent medical coverage—up to PHP 2.5 million—and a clear focus on pandemic-related needs, including hospitalization and repatriation. However, there are several significant drawbacks. First, trip cancellation coverage excludes situations related to COVID-19 fear or denied boarding, which are common travel realities today. Second, the policy’s baggage protection is restrictive, with a PHP 5,000 cap per item and total limits that fall short for travelers carrying electronics or high-value goods. Additionally, the policy does not clearly specify the deductible/excess amounts, which reduces transparency for consumers. While the COVID-19 medical coverage is a strong point, the exclusions and low limits on other benefits make this plan less competitive in the international travel insurance market. And for all these reasons, this is why we do not recommend the travel insurance from Pioneer Insurance & Surety Corporation.

Travel master

Malayan Insurance Company

Travel master

Rating

4.0

Deductible

500 Php

Cancellation guarantee

Up to 50 000 Php

Essential medical costs

2 500 000 Php

Repatriation costs

2 500 000 Php

Maximum trip duration

180 days

Loss / theft / delay of luggage

50 000 Php

Deductible

500 Php

Cancellation guarantee

Up to 50 000 Php

Essential medical costs

2 500 000 Php

Repatriation costs

2 500 000 Php

Maximum trip duration

180 days

Loss / theft / delay of luggage

50 000 Php

Assist America global emergency services included
Limited coverage for hand-carried baggage losses
Excludes epidemics/pandemics like COVID-19 post-trip

Pros

Cons

Assist America global emergency services included

At an agency

Our detailed review

Although the travel insurance from Malayan Insurance Company includes Assist America services that provide worldwide emergency assistance, this product has many weaknesses. First, the coverage for medical expenses has strict limitations: for example, room and board is limited to PHP 15,000 per day, and many conditions such as mental health issues, pre-existing conditions, and dengue are not covered. Second, the trip cancellation benefit has a high deductible (PHP 500) and only covers very limited situations, such as the death of a relative or a court subpoena. Third, the protection for personal belongings is very restrictive — hand-carried baggage is not included, and many common items such as laptops, gadgets, and jewelry are also excluded. Additionally, some services considered “essentials,” such as coverage for sporting activities, have limited benefits and come with their own deductibles. The only positive aspect of this insurance is the broad access to emergency services through Assist America. And for all these reasons, this is why we do not recommend the travel insurance from Malayan Insurance Company.

Deluxe

PGA Sompo

Deluxe

Rating

4.0

Deductible

10 %

Cancellation guarantee

150 000 Php

Essential medical costs

2 500 000 Php

Repatriation costs

2 500 000 Php

Maximum trip duration

90 days

Loss / theft / delay of luggage

75 000 Php

Deductible

10 %

Cancellation guarantee

150 000 Php

Essential medical costs

2 500 000 Php

Repatriation costs

2 500 000 Php

Maximum trip duration

90 days

Loss / theft / delay of luggage

75 000 Php

COVID-19 coverage and repatriation benefit included
Strict cancellation terms, 3-day purchase rule
Limited baggage cover per item

Pros

Cons

COVID-19 coverage and repatriation benefit included

At an agency

Our detailed review

The travel insurance from PGA Sompo provides adequate coverage for key benefits such as medical expenses and repatriation, and it even includes coverage for COVID-19 — an aspect that is especially useful for travelers nowadays. However, the overall plan has several serious shortcomings. First, while the coverage for medical expenses is generally sufficient, it has limitations for certain types of care that are not clearly explained in the documentation. Second, the rules for trip cancellation are overly strict: the insurance must be purchased at least three days before departure, and many common reasons for cancellation are not covered. Third, the baggage protection is limited to PHP 20,000 per item, which is insufficient for valuable items like laptops or cameras. Another issue is the lack of a clear statement regarding the deductible, which could lead to confusion for those filing claims. While the inclusion of COVID-19 benefits is commendable, it does not make up for the overall deficiencies of this product. And for all these reasons, this is why we do not recommend the travel insurance from PGA Sompo Insurance Corporation.

Prestige

FPG Insurance

Prestige

Rating

3.9

Deductible

500 Php

Cancellation guarantee

125 000 Php

Essential medical costs

Up to 5 000 000 Php

Repatriation costs

Up to 1 000 000 Php

Maximum trip duration

180 days

Loss / theft / delay of luggage

Up to 50 000 Php

Deductible

500 Php

Cancellation guarantee

125 000 Php

Essential medical costs

Up to 5 000 000 Php

Repatriation costs

Up to 1 000 000 Php

Maximum trip duration

180 days

Loss / theft / delay of luggage

Up to 50 000 Php

Provides coverage for adventure sports activities.
Limited coverage for high-value items in baggage loss.
Trip cancellation coverage excludes pre-existing conditions.

Pros

Cons

Provides coverage for adventure sports activities.

At an agency

Our detailed review

FPG Insurance Co., Inc.’s TravelCare International plan offers comprehensive medical coverage up to PHP 2,500,000 and includes provisions for adventure sports activities, catering to travelers seeking active experiences. However, the policy has notable limitations. The trip cancellation benefit does not cover cancellations due to pre-existing conditions, which may be a concern for travelers with ongoing health issues. Additionally, the baggage loss coverage is limited to PHP 5,000 per item, which may be insufficient for travelers carrying high-value items such as electronics or jewelry. Furthermore, the excess of PHP 500 per claim can accumulate, leading to out-of-pocket expenses for multiple claims. While the inclusion of adventure sports coverage is a positive aspect, these limitations in other areas may not provide the comprehensive protection that discerning travelers seek. And for all these reasons, this is why we do not recommend the travel insurance from FPG Insurance Co., Inc.

Single-trip

Pacific cross

Single-trip

Rating

3.8

Deductible

500 Php

Cancellation guarantee

125 000 Php

Essential medical costs

2 500 000 Php

Repatriation costs

1 000 000 Php

Maximum trip duration

90 days

Loss / theft / delay of luggage

50 000 Php

Deductible

500 Php

Cancellation guarantee

125 000 Php

Essential medical costs

2 500 000 Php

Repatriation costs

1 000 000 Php

Maximum trip duration

90 days

Loss / theft / delay of luggage

50 000 Php

Includes 24/7 worldwide emergency assistance services.
Limited coverage for high-value items in baggage loss.
Trip cancellation only covers specific unforeseen events.

Pros

Cons

Includes 24/7 worldwide emergency assistance services.

At an agency

Our detailed review

Pacific Cross Insurance’s Worldwide Elite Including Schengen plan offers comprehensive medical coverage up to PHP 2,500,000 and provides 24/7 worldwide emergency assistance, ensuring travelers have support during medical emergencies. However, the policy has notable limitations. The trip cancellation benefit is restrictive, covering only specific unforeseen events, which may not encompass all reasons a traveler might need to cancel their trip. Additionally, the baggage loss coverage is limited to PHP 10,000 per item, which may be insufficient for travelers carrying high-value items such as electronics or jewelry. Furthermore, the excess of PHP 500 per claim can accumulate, leading to out-of-pocket expenses for multiple claims. While the medical coverage is robust, these limitations in other areas may not provide the comprehensive protection that discerning travelers seek. And for all these reasons, this is why we do not recommend the travel insurance from Pacific Cross Insurance.

Table of Contents

What is trip cancellation insurance?
What reasons are covered by trip cancellation insurance?
How to choose the best trip cancellation insurance in 2025?
How much does trip cancellation insurance cost?
Can you get cancellation insurance after booking your flight?
Does your credit card cover trip cancellation?
On the same topic

You’ve booked a trip and want to protect yourself from unexpected events that might prevent you from leaving? Trip cancellation insurance is a valuable solution to get reimbursed for your expenses in case something goes wrong before departure. In 2025, the number of available options in the Philippines is increasing, but not all policies offer the same level of protection.

Price, coverage, exclusions—after comparing dozens of cancellation insurance plans in the Philippines, here’s everything you need to know to choose the best policy.

Trip Cancellation Insurance: Key Facts

Reimburses travel expenses (tickets, accommodation, etc.) if you need to cancel your trip due to an unforeseen reason.
Should generally be purchased within 7 days of booking your travel arrangements to ensure full coverage.
Commonly accepted reasons include: illness or accident, death of a family member, job loss, theft of essential travel documents, natural disasters.
Frequent exclusions include: undeclared pre-existing conditions, cancellations without valid proof, pregnancy complications after 28 weeks.
The average cost ranges from 3% to 7% of the total trip price (for a PHP 100,000 trip, expect to pay around PHP 3,000 to PHP 7,000).
Credit cards sometimes include cancellation coverage, but it is often limited and may not be sufficient.

What is trip cancellation insurance?

Trip cancellation insurance is a coverage that allows you to be reimbursed, fully or partially, for expenses paid for a trip (flights, accommodation, activities, etc.) if you are forced to cancel for a compelling and unforeseen reason. It can be purchased on its own or as part of a comprehensive travel insurance policy.

Example: you have to cancel a trip to Bali because you break your leg 5 days before departure. If you have cancellation insurance, you may be reimbursed for your flight tickets, hotel bookings, and prepaid activities.

Good to know

Unlike transportation and accommodation, reimbursement for activities is generally capped (often up to PHP 30,000 per activity).
If the service providers you cancel with (such as the airline) already refund part of your expenses, the cancellation insurance will only reimburse the difference between the purchase price and the refunded amount.

What reasons are covered by trip cancellation insurance?

You can't cancel a trip under just any condition.

✅ Commonly covered reasons:

Serious illness or accident affecting the traveller or a close relative (with medical certificate)
Death of a family member
Job loss or professional relocation
First-time employment
Visa refusal by authorities
Theft of essential travel documents
Significant damage to the home
Serious pregnancy complications (according to policy terms)
Natural disaster or terrorist attack at the travel destination

💡 Good to know: Some policies cover cancellation without a specific reason (usually as an add-on), with a deductible or partial reimbursement (e.g. 70% of costs).

❌ Common exclusions:

Cancellation due to a simple change of mind
Reasons known before purchasing the policy
Delay in obtaining or forgetting your passport
Destinations under war or travel alerts
Discovery of a pregnancy (unless with severe complications)
Non-acute or undocumented psychological conditions
Extreme sports or injuries from activities excluded by the contract

⚠️ Not recommended: Basic plans from PGA Sompo, which exclude many common causes of cancellation such as visa refusal or non-severe illnesses, and impose strict proof requirements.

To avoid unpleasant surprises, always read your policy's general terms and conditions carefully!

Good to know

To justify a trip cancellation, you must submit several documents to your insurance provider. These documents will vary depending on the reason for cancellation.

Example: in case of illness or accident, a detailed medical certificate is usually required. For a job transfer, you will need to provide a letter from your employer confirming the relocation.

How to choose the best trip cancellation insurance in 2025?

To select the right insurance, it’s essential to compare coverage options, exclusions, and reimbursement limits. Here's a quick summary of the main points to consider:

Criteria to consider	Why it matters	Expert advice
Covered cancellation reasons	To avoid unpleasant surprises	Choose policies that cover the widest range of reasons. At HelloSafe, we’ve found plans that include cancellations due to home damage (fire, flooding…), trip companion cancellations, premature childbirth, illness or death of a pet, and many other cases.
Accepted subscription deadlines	Policies may be void if purchased too late	Buy within 48 hours of booking your trip
Maximum reimbursement limits	Some policies only refund part of your expenses	Check if the plan reimburses up to 100% of your prepaid costs
Your uncertainty level and trip cost	Risk increases if you're unsure about travelling or your trip is expensive	In these cases, consider adding the “cancel for any reason” option
Included assistance services	Helpful for handling refunds and admin procedures	Choose an insurer that offers 24/7 support and helps with documentation

Covered cancellation reasons

Why it matters

To avoid unpleasant surprises

Expert advice

Choose policies that cover the widest range of reasons. At HelloSafe, we’ve found plans that include cancellations due to home damage (fire, flooding…), trip companion cancellations, premature childbirth, illness or death of a pet, and many other cases.

Accepted subscription deadlines

Why it matters

Policies may be void if purchased too late

Expert advice

Buy within 48 hours of booking your trip

Maximum reimbursement limits

Why it matters

Some policies only refund part of your expenses

Expert advice

Check if the plan reimburses up to 100% of your prepaid costs

Your uncertainty level and trip cost

Why it matters

Risk increases if you're unsure about travelling or your trip is expensive

Expert advice

In these cases, consider adding the “cancel for any reason” option

Included assistance services

Why it matters

Helpful for handling refunds and admin procedures

Expert advice

Choose an insurer that offers 24/7 support and helps with documentation

💡Expert tip: cancellation insurance is especially recommended if your trip is planned far in advance, is very expensive, or if your personal situation (illness, pregnancy…) is uncertain, as the risk of needing to cancel increases.

How much does trip cancellation insurance cost?

The factors that influence the price

Total trip cost: the more expensive your trip is, the higher the insurance premium, as the risk to cover increases.
Subscription timing: the later you buy the insurance, the higher the price may be.
Age of travellers: some companies charge higher rates for senior travellers.
Destination and trip duration: distant destinations and longer trips are more costly to insure.
Type of coverage: a “standard” plan is cheaper than a “premium” plan with cancel-for-any-reason coverage.

Trip example	Average cancellation insurance cost *
Weekend in Asia worth PHP 25,000	PHP 800
Trip to Europe worth PHP 100,000	PHP 3,200
Family holiday worth PHP 200,000	PHP 6,000
World tour worth PHP 500,000	PHP 14,800

Weekend in Asia worth PHP 25,000

Average cancellation insurance cost *

PHP 800

Trip to Europe worth PHP 100,000

Average cancellation insurance cost *

PHP 3,200

Family holiday worth PHP 200,000

Average cancellation insurance cost *

PHP 6,000

World tour worth PHP 500,000

Average cancellation insurance cost *

PHP 14,800

* Average price calculated based on multiple offers from different insurers

How to pay less for trip cancellation insurance?

Here are some useful tips to help you reduce the cost of insurance while keeping solid coverage.

Smart tip	Explanation
⏱ Buy early	The longer you wait, the more expensive it may become
👨‍👩‍👧‍👧 Choose group insurance	Some companies offer family or group packages
⚖️ Compare online offers	Comparison tools like HelloSafe.ph help you find the best price
👍 Choose a basic plan	If you’re okay with coverage limited to serious cases
✚ Add it to travel insurance	Often cheaper than buying cancellation coverage alone

⏱ Buy early

Explanation

The longer you wait, the more expensive it may become

👨‍👩‍👧‍👧 Choose group insurance

Explanation

Some companies offer family or group packages

⚖️ Compare online offers

Explanation

Comparison tools like HelloSafe.ph help you find the best price

👍 Choose a basic plan

Explanation

If you’re okay with coverage limited to serious cases

✚ Add it to travel insurance

Explanation

Often cheaper than buying cancellation coverage alone

Can you get cancellation insurance after booking your flight?

Yes, you can purchase cancellation insurance even after buying your ticket.

However, most insurers in the Philippines require that you buy the policy within 7 days of booking your trip. After that period, your coverage might be reduced or denied, and premiums may increase significantly.

It’s best to purchase your cancellation insurance immediately after booking to ensure full protection under the best conditions.

Caution

If your trip is scheduled to start within just a few days, many insurers won’t allow you to buy cancellation insurance after the flight has been booked.
Some providers apply a waiting period before coverage begins (often around 7 to 14 days). If you leave within a week of purchasing the policy, you might not be covered for the early days of your trip.

Does your credit card cover trip cancellation?

Standard cards (such as Mastercard Classic or Visa Classic) do not include trip cancellation insurance.

However, some premium cards offered by major Philippine banks—like BDO Platinum Mastercard, BPI Gold Mastercard, or Metrobank World Mastercard—may include cancellation coverage. But this coverage is often limited to serious medical reasons, subject to strict conditions, and usually insufficient compared to dedicated policies.

Example: the cancellation insurance linked to a BDO Platinum Mastercard may cap reimbursements at around PHP 100,000, and only for serious illness or hospitalization; whereas a standalone cancellation insurance policy may cover over PHP 500,000 and offer protection for many more causes.

⚠️ Also, if you're relying on your credit card's cancellation coverage, keep in mind:

You must have paid for the trip using the specific card for the cancellation insurance to be valid.
Cancel-for-any-reason coverage is never included with credit card insurance.

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A. Fruchard

Insurance expert

Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

Philippines: what are the best travel cancellation insurance policies in 2025?

What is trip cancellation insurance?

What reasons are covered by trip cancellation insurance?

How to choose the best trip cancellation insurance in 2025?

How much does trip cancellation insurance cost?

The factors that influence the price

How to pay less for trip cancellation insurance?

Can you get cancellation insurance after booking your flight?

Does your credit card cover trip cancellation?

On the same topic

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