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Even if you are fit and healthy, do not travel without comprehensive travel insurance - accidents do and can happen. Declare any existing medical conditions you have. The insurance company will check if your problem is pre-existing and will not cover you if it is undeclared. You may require extra cover for adventure activities such as rock climbing. Some insurance policies do not cover you for certain activities. If your health insurance does npt cover you for medical expenses abroad, consider obtaining extra insurance. If you're uninsured, emergency evacuation is expensive - bills of more than U.S. $100,000 are not uncommon.
Ask your insurance company if your insurance plan will make payments directly to providers or reimburse you later for overseas health expenditures. (In many countries doctors expect payment to be made in cash.) . You may prefer a policy that pays doctors or hospitals directly rather than you having to pay on the spot and claim later. If you have to claim later, make sure you keep all documentation. Some policies ask you to call back (reverse charges) to a centre in your home country where an immediate assessment of your problem is made.
Not only can accidents happen overseas but travel insurance may also cover you for the following risks and events:
*Trip cancellations due to unforseen circumstances
*Travel delays not due to your fault
*Loss of luggage and personal effects including accidental loss and theft
*Rental vehicle damage
*Loss of income
*Hijack and detention
*Kidnap and ransom
Some Practical Traveller Notes - Specific for the Philippines -
1) When travelling by bus - Many bus companies (for example : Victory liner) also give you a travel insurance coverage for 5 to 10 pesos (through Malayan insurance). This is usually mandatory when booking tickets at origin.
2) When travelling by domestic flights - Many airlines allow you to get travel insurance for that flight, while booking online. For example : Cebu Pacific allows you to pay an extra 250 pesos and get "Travelinsure" travel insurance.
Note : Philippines has 6 airlines for domestic travel - Cebu Pacific, Air Phil Express, Philippines airlines, Zest air, SE AIr and Air Asia - they all allow online bookings.