Travel planning is picking up for Filipinos. In 2025, outbound Filipino travel reached about 5 million departures, a 9.5% increase from 2024, based on Department of Tourism's data. Hong Kong, Taiwan, and China were among the leading destinations.
More trips also mean more “what ifs”: What if your flight is delayed, your baggage does not arrive, you get sick abroad, or a covered event forces you to cancel a non-refundable booking?
Travel insurance is not required for every destination. But when a trip has significant medical, financial, or logistical risks, the right policy can help soften the impact of covered emergencies and disruptions. Here are seven signs it may be worth adding to your travel budget.