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Philippines & Indonesia Visa Travel Insurance Checklist: What Embassies Expect in 2025

Complete guide to embassy-approved travel insurance requirements for Philippines and Indonesia visa applicants

Published: August 4, 2025

Travel insurance is a mandatory requirement for visa applications to both the Philippines and Indonesia. As of 2025, both countries have updated their insurance requirements to include enhanced coverage for medical emergencies, trip disruptions, and pandemics. This guide covers embassy-specific requirements, valid providers, and documentation formats to ensure your application is successful.

Why Travel Insurance is Critical

Both Philippine and Indonesian embassies require proof of travel insurance that meets specific criteria:

  • Medical Coverage: Minimum $50,000 for Philippines, $30,000 for Indonesia
  • COVID-19 Coverage: Mandatory inclusion for medical treatment and quarantine
  • Repatriation: Emergency evacuation and repatriation of remains
  • Validity: Must cover entire duration of stay plus 15-30 days buffer

Without compliant insurance, your visa application will be rejected regardless of other documentation.

PH
Philippines Visa Requirements

Embassy Requirements for 2025

The Philippine Bureau of Immigration requires all visa applicants to provide proof of travel insurance that meets these specifications:

Medical Coverage

Minimum $50,000 coverage for accidents and illnesses, including COVID-19 treatment and hospitalization.

Trip Protection

Cancellation/interruption coverage of at least $5,000. Must cover natural disasters common in the Philippines.

Emergency Services

24/7 emergency assistance, medical evacuation, and repatriation coverage of at least $100,000.

Validity Period

Must cover entire stay plus 30 additional days beyond planned departure date.

Approved Insurance Providers

The Philippine embassy accepts policies from these verified providers:

Pacific Cross Select

Special Philippines coverage

From $35/month
Malayan Travel Master

Local provider with embassy acceptance

From $28/month
AXA Smart Traveller

Comprehensive coverage

From $42/month
World Nomads Explorer

Adventure activities coverage

From $55/month

Documentation Format

Your insurance certificate must include these elements in English:

SAMPLE
TRAVEL INSURANCE CERTIFICATE
Policy Holder: JUAN DELA CRUZ
Policy Number: PHI-TI-2025-987654
Period of Coverage: 15 Jan 2025 - 15 Apr 2025 (90 days)

Coverage Details:
- Medical Expenses: $50,000
- COVID-19 Coverage: Included
- Emergency Evacuation: $100,000
- Repatriation of Remains: $50,000
- Trip Cancellation: $5,000
- Personal Liability: $100,000

Geographical Coverage: Worldwide (including Philippines)
Policy Provider: Pacific Cross Insurance
Verification: www.pacificcrossverify.com/PHI-TI-2025-987654

This certificate meets the requirements of the Philippine Bureau of Immigration for visa applications.
ID
Indonesia Visa Requirements

Embassy Requirements for 2025

Indonesia's Directorate General of Immigration has specific insurance requirements:

Medical Coverage

Minimum $30,000 coverage including COVID-19 treatment, hospitalization, and quarantine expenses.

Trip Protection

Coverage for trip cancellation/delay of at least $3,000. Must include natural disaster coverage.

Emergency Services

Repatriation coverage of at least $50,000. Emergency medical evacuation mandatory.

Validity Period

Must cover entire stay plus 15 days beyond planned departure date.

Approved Insurance Providers

The Indonesian embassy accepts policies from these providers:

Indonesia Travel Guard

Local provider with embassy acceptance

From $25/month
SafetyWing Nomad

Digital-first with Indonesia coverage

From $40/month
Allianz Indonesia

Comprehensive coverage

From $45/month
AIG Travel Guard

Includes adventure activities

From $50/month

Documentation Format

Your insurance certificate must include these elements in English:

SAMPLE
TRAVEL INSURANCE CERTIFICATE
Policy Holder: SITI RAHAYU
Policy Number: IDN-TI-2025-123456
Period of Coverage: 01 Mar 2025 - 30 May 2025 (90 days)

Coverage Details:
- Medical Expenses: $30,000
- COVID-19 Coverage: Included
- Emergency Evacuation: $50,000
- Repatriation of Remains: $30,000
- Trip Interruption: $3,000
- Personal Liability: $50,000

Geographical Coverage: Indonesia
Policy Provider: PT Asuransi Indonesia
Verification: verify.ptasuransi.co.id/IDN-TI-2025-123456

This certificate meets the requirements of the Indonesian Directorate General of Immigration for visa applications.

Philippines vs Indonesia Requirements Comparison

Requirement Philippines Indonesia
Minimum Medical Coverage $50,000 $30,000
COVID-19 Coverage Mandatory Mandatory
Repatriation Coverage $100,000 $50,000
Trip Cancellation $5,000 $3,000
Validity Extension 30 days beyond stay 15 days beyond stay
Natural Disaster Coverage Required Required
Document Language English English

Embassy Verification Checklist

Before submitting your application, verify these critical elements:

Policy Validity Dates - Coverage must extend 15-30 days beyond your planned departure date
Name Matching - Insurance name must exactly match passport name
COVID-19 Specifics - Must explicitly mention COVID-19 coverage in policy document
Geographical Coverage - Must specifically mention Philippines or Indonesia
Online Verification - Policy must be verifiable through provider's online portal
Provider Accreditation - Insurance provider must be on embassy's approved list

Common Reasons for Rejection

  • COVID-19 coverage not explicitly stated
  • Coverage amounts below minimum requirements
  • Policy validity doesn't cover entire stay
  • Insurance provider not embassy-approved
  • Documents not in English or without certified translation
  • Online verification not possible

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