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May lakad ka ba soon pero tipid mode sa travel insurance? This 2025 guide breaks down the cheapest travel insurance in the Philippines—budget-friendly pero reliable pa rin! Learn how to choose the best travel insurance plan for your trip—whether you're flying to Japan, Singapore, or exploring local gems—without breaking the bank.
Let’s be real—kapag nagpa-plan tayo ng trip, travel insurance is usually the last thing on our minds, lalo na kung budget travel ang peg. Pero ito ang truth: skipping travel insurance can actually cost you more. Imagine kung ma-delay or ma-cancel ang flight mo, mawala ang baggage mo, or worse—ma-hospital ka abroad. Ang gastos, ‘di ba?
The good news? Travel insurance in the Philippines doesn’t have to be expensive. Meron nang cheap travel insurance plans na under ₱500 pero solid ang coverage—from trip cancellations to medical emergencies.
In this guide, we’ll show you the most affordable travel insurance options in the Philippines and give you tips on how to choose the best plan—whether pang-abroad or local na trip lang.
So kung iniisip mo pa rin kung worth it ba ang travel insurance kahit short trip or tipid mode, read on—we’ve got you covered.
Bago tayo dumiretso sa mga pinakamurang travel insurance plans, sagutin muna natin ang pinaka-basic na tanong:
“Bakit nga ba kailangan pa ng travel insurance?”
Kahit naka-budget travel mode ka, insurance isn’t something you should skip. Here’s why travel insurance in the Philippines is still worth every peso—even for short, low-cost trips:
Trip Cancellation or Interruption – Nagkasakit bago ang flight? Biglang nagkaroon ng emergency sa pamilya? O na-cancel ang biyahe dahil sa bagyo? Travel insurance helps you recover your expenses—from rebooking costs to non-refundable hotel reservations. Hindi mo kontrolado ang mga ganitong pangyayari, pero may paraan para hindi ka malugi.
Medical Emergencies – Nagkasakit sa ibang bansa? O naksidente habang nag-e-explore? Alam nating lahat—healthcare abroad is expensive. With travel insurance, your hospital bills, consultations, or emergency care can be covered, so you can focus on getting better, not going broke.
Lost or Delayed Baggage – Imagine nasa Japan o Korea ka na, pero ang luggage mo nasa NAIA pa. Stress ‘di ba? Some plans reimburse you so you can buy essentials like clothes, toiletries, and chargers habang hinihintay mo ang gamit mo.
Travel Assistance Services – Most budget-friendly travel insurance providers offer round-the-clock hotlines. Whether you need legal help, emergency booking changes, or directions to the nearest hospital—meron kang kakampi anytime, anywhere.
At kung iniisip mo, “Eh, short trip lang naman ‘to…”
No worries! Meron nang one-day travel insurance na minsan cheaper pa than a fast food meal. Kaya walang reason para hindi maging protected, especially when you’re traveling solo or going abroad.
Bottom line? Kahit naka-budget ka, travel insurance is a smart, practical investment. Pero tandaan: hindi porke’t mura, sulit na agad.
That’s why in the next section, we’ll guide you on how to choose the best-value travel insurance plans that are both affordable and reliable.
Okay, real talk—price matters, especially if you're on a budget. Pero tandaan: cheapest doesn’t always mean best. Maraming budget travel insurance plans ang maganda sa presyo pero kulang sa coverage. So before you book, make sure you're still protected where it counts.
Here’s what you shouldn’t skip, kahit sa affordable travel insurance plan:
Medical Expense Coverage
This is non-negotiable, especially for international trips. Look for plans that cover at least:
₱500,000 for international travel insurance,
₱100,000 for domestic travel.
Hindi natin alam kung kailan ka pwedeng ma-ospital or kailanganin ng emergency treatment—lalo na kung you’re out of the country, mahal ang healthcare!
Trip Delay/Cancellation
Flights get canceled or delayed all the time—weather issues, airline strikes, or personal emergencies. Your plan should help you recover costs for rebooking, missed connections, or non-refundable hotels. Walang mas stressful kaysa sa gastos na hindi mo na mababawi.
Baggage Loss or Theft
Naiwan sa airport? Nasira ang bag mo sa baggage belt? Nawalan ka ng gamit sa biyahe? A good plan offers reimbursement for lost, delayed, or damaged luggage, so you’re not left spending extra just to replace your essentials.
Emergency Evacuation
Kung mahilig ka sa adventure travel—hiking, island hopping, off-the-grid exploring—this is a must-have. It covers emergency transport to the nearest medical facility or back home if needed. Better safe than sorry.
24/7 Assistance
Isa ito sa pinaka-underrated features. Imagine may emergency ka abroad, tapos wala kang idea anong gagawin? Many reliable providers offer round-the-clock assistance, from medical referrals to legal help. Masarap sa feeling na alam mong may matatawagan ka kahit anong oras.
Insider tip: Some super cheap travel insurance plans cut corners. Baka limited lang ang coverage, or may have hidden exclusions. So don’t just look at the price—always read the fine print. Double-check what’s included, what’s excluded, and if the plan fits your actual trip needs.
Now that you know what to look for in a budget-friendly travel insurance policy, let’s dive into the real question:
Sino-sino ang mga providers na swak sa budget pero hindi tinipid ang coverage?
Check out our top travel insurance picks for 2025—coming up next!
We scoured top local aggregators like Moneymax and direct insurance sites to find the most affordable but reliable travel insurance providers in the Philippines.
If you're looking for cheap travel insurance that still covers the essentials, eto na ang top 3 picks for 2025:
Premiums start at: ₱299
Best for: Budget travelers and quick trips
Highlights: Instant digital purchase, customizable plans, flexible benefits
Oona is a game-changer and perfect for those who want quick, hassle-free coverage. You can buy and customize your policy online, making it super convenient para sa mga last-minute bookings (or last minute travel preps. Aminin!). Whether it's a local trip or a short flight abroad, Oona lets you build a plan that fits your itinerary and budget—no paperwork, no stress. Even the most basic plan covers the most important things, kaya sulit!
Ideal for: Budget-conscious travelers who want digital ease and flexibility.
Premiums start at: Around ₱400 for Asia trips
Best for: Travelers heading to Thailand, Vietnam, Malaysia, and other nearby countries
Highlights: Covers COVID-19-related issues, emergency medical treatment, and trip delays
This plan offers solid coverage at an affordable price, especially for short-haul international trips. COVID-19 coverage is a big plus, and the policy also covers common issues like flight delays and missed connections.
Ideal for: Southeast Asia travelers who want peace of mind without overpaying.
Premiums start at: ₱500–₱700 depending on destination
Best for: Travelers needing Schengen visa requirements
Highlights: High medical coverage, Schengen visa-compliant
If you're traveling to Europe, especially Schengen countries like France, Italy, or Germany, this plan checks all the visa requirement boxes. It offers high coverage limits and is recognized by embassies for visa applications.
Ideal for: Long-haul international trips or visa-required travel (e.g., Europe, Canada).
Provider |
Starting Premium |
Best For |
Key Features |
|---|---|---|---|
Oona Travel Insurance |
₱299 |
Budget travelers, quick trips |
Flexible benefits, instant digital purchase |
Standard Insurance |
₱400+ |
ASEAN destinations |
COVID-19 cover, trip cancellation |
Malayan Insurance |
₱500–₱700 |
Schengen visa travelers |
High medical coverage, visa-compliant |
Tipid ka na sa presyo, panalo ka pa sa peace of mind. These providers prove that travel insurance doesn’t have to be expensive to be reliable. Just be sure to match the coverage with the kind of trip you’re taking.
And now that you’ve seen the prices and features side-by-side, the next big question is:
"How do I choose the right one for my trip?"
Don't worry—we got you. Up next: a quick guide to choosing the best travel insurance based on your travel style.
Travel plans aren’t one-size-fits-all, so your insurance shouldn’t be either. Whether you’re planning a quick weekend escape or a long-haul international adventure, your travel insurance should match your trip style and needs. Here’s how to pick the right plan without going over budget:
Exploring local gems like Boracay, Siargao, or Palawan? You don’t need anything too fancy.
Look for a basic domestic travel insurance plan that includes:
Accident protection
Baggage loss or damage coverage
Trip delay/cancellation assistance
Oona’s short-trip plans are perfect for these. They’re affordable, easy to book online, and give just enough coverage for common travel mishaps.
Best for: Local trips and spontaneous getaways.
When traveling abroad, medical expenses can cost a fortune—even for minor issues. That’s why you need:
Higher medical coverage (₱500,000 or more)
Emergency evacuation
Coverage for missed or delayed flights
With Oona, you can customize your plan based on your destination. No need to pay for coverage you don’t need—just the essentials that match your trip.
Best for: Travelers flying to Asia, Australia, or nearby international destinations.
Applying for a Schengen or UK visa? Most embassies require travel insurance that:
Covers a minimum of €30,000 in medical benefits
Includes emergency repatriation
Comes with valid documentation from an accredited provider
Both Malayan and Oona offer visa-compliant travel insurance plans that meet these requirements. Don’t risk visa denial just because of incomplete coverage—go for a plan that’s embassy-approved and internationally recognized.
Quick Tip: Match your plan with your destination, trip length, and visa needs—not just your budget. The right travel insurance saves you money when it matters most.
Among the options we reviewed, Oona shines when it comes to affordability, flexibility, and convenience. Up next, we’ll break down exactly why it’s a top pick for budget travelers in 2025.
We get it—ang daming travel insurance options out there. But if you're looking for something that’s affordable, easy to get, and reliable, Oona Travel Insurance hits all the right notes. Whether you're traveling domestic or international, short trip or long haul, here's why Oona is a solid pick for budget-conscious travelers in the Philippines.
Hate paperwork? Same. With Oona, you can buy travel insurance online in just a few clicks—no phone calls, no long forms, no waiting. Your coverage kicks in right away, perfect for last-minute travelers or spontaneous trips.
It’s travel protection on your terms—fast, simple, and stress-free.
Yup, you read that right—as low as ₱299.
That’s less than the price of a movie ticket or your favorite milk tea.
Whether you’re traveling for work, leisure, or even just a quick weekend getaway, Oona offers plans that give you real protection without draining your wallet.
This one’s perfect for students, solo travelers, and anyone on a budget.
Why pay for benefits you don’t need?
With Oona, you can tailor your plan based on your destination, travel duration, and risk level.
Local or international? Check.
One day or two weeks? Covered.
Adventure trip or city escape? May option ka.
This flexibility ensures that you’re only paying for what matters, and not a peso more.
Oona isn’t just popular in the Philippines—it’s also well-established across Southeast Asia, backed by reputable insurers and praised for its customer support and reliability.
Thousands of travelers trust Oona for its legit, no-fuss travel protection—and that says a lot.
Mas mahal pa minsan ang milk tea kaysa sa travel insurance. So bakit mo isusugal ang trip mo?
Flight cancellations, medical emergencies, or lost baggage can happen to anyone. And when they do, you’ll wish you were covered.
With Oona, you get:
✅ Low-cost plans
✅ Fast and easy sign-up
✅ Custom coverage
✅ Reliable support when you need it most
Oona Travel Insurance is your go-to option for 2025 if you want solid coverage na hindi mabigat sa bulsa. Whether you're flying to Japan or chilling in Siargao, Oona’s got your back—without the hassle.
Let’s wrap this up with one last reminder about why travel insurance is a must—even on a budget.
You know that feeling when you're 100% ready for a trip—booked, packed, and stress-free? That’s exactly what travel insurance brings: peace of mind.
And the best part? Hindi mo kailangan ng bonggang budget to feel secure.
With providers like Oona, you get affordable travel insurance that doesn’t compromise on coverage—perfect for everything from a quick Boracay escape to a backpacking trip across Southeast Asia.
So next time you plan your adventure, don’t skip this essential step.
It’s budget-friendly
It’s easy to get online
And it could save you thousands in unexpected situations
Travel smart. Insure smarter.
Whether it’s a short domestic trip or a long-haul flight abroad, protecting your journey is always worth it.
Ready to travel with peace of mind? Get a free travel insurance quote from Oona and find a plan that fits your trip—and your budget!
