Philippines Travel Guide

Travelling to the Philippines from Australia? Prepare for your upcoming trip with Fast Cover’s Philippines travel guide filled with travel advice and tips.

Philippines Travel Guide

Travelling to the Philippines from Australia is exciting but requires proper preparation. Fast Cover’s Philippines travel guide provides you with essential travel advice from entry requirements and safety considerations to transport tips and organising your travel insurance to help you plan for a memorable trip to the Philippines.

Any advice is general advice only and doesn't consider your personal circumstances.

Philippines Travel Advice Level Explained

Before planning your trip, it's important to check the latest travel advice for the Philippines. While many parts of the Philippines are safe to visit for Australian travellers, it's always wise to check official travel advice levels and travel alerts before and during your trip to stay informed about any developments that might affect your travel plans.

Travel Advisories

When travelling to the Philippines from Australia, it's important to understand the current travel advice level. The Australian Government's Smartraveller website provides up-to-date travel advisories for the Philippines.

Travel Alerts

Fast Cover also monitors travel conditions and issues timely travel alerts to keep our customers informed and updated on situations that may impact their travel to the Philippines.

Currently, Smartraveller has a travel advice to exercise a high degree of caution in the Philippines overall, a Do not travel advice to central and western Mindanao, including the Zamboanga Peninsula; the Sulu archipelago and the southern Sulu Sea area, and a Reconsider your need to travel advice to eastern Mindanao (excluding Camiguin, Dinagat and Siargao Islands).

Learn more about how to choose a safe travel destination for your next holiday.

How to Prepare for a Trip to the Philippines

Being prepared before you travel to the Philippines can help you manage unexpected events more easily. These actionable tips can help you prepare for your holiday to the Philippines.

Check Travel Requirements

Verify the latest travel requirements for the Philippines, including entry and visa requirements, passport validity and registering your travel with the Philippine Travel Information System (eTravel) before you go.

Research Destinations in the Philippines

The Philippines offers diverse experiences from the beaches of Boracay to the rice terraces of Banaue and the urban excitement of Manila. Research destinations to fill your itinerary with activities that match your interests.

Plan Your Activities

From diving in crystal clear waters to trekking through lush rainforests, the Philippines offers numerous activities. Check if your planned activities are covered under your travel insurance.

Pack Smart

Consider the tropical climate and your planned activities when packing and include items like lightweight, breathable clothing is essential, along with sun protection and insect repellent.

Organise Travel Insurance

Travel insurance for the Philippines can provide cover for unexpected events like overseas medical emergencies, trip cancellation, or lost luggage. Fast Cover offers a wide range of policies for Australian travellers that can be customised depending on the travellers’ individual needs, so you can make the most of your trip to the Philippines.

Travel Documents

Organise your travel documents before you depart for your trip. Keep copies of your itinerary, flight tickets, passport, visas, accommodation details, tour and activity tickets, and any pre-arranged transport tickets. Don't forget your travel insurance policy, emergency assistance contact information and eTravel QR codes.

Safety Advice for Travelling in the Philippines

While the Philippines is generally welcoming to tourists, staying vigilant and considering safety precautions is important. Understanding potential risks and how to mitigate them will help ensure a safe and enjoyable trip.

Crime and Travel Scams

Like many popular tourist destinations, the Philippines has its share of scams targeted at visitors. Be wary of strangers offering unsolicited help or deals that seem too good to be true.

Pickpocketing and Bag Snatching

Pickpocketing and bag snatching are common in larger cities such as Manila, and crowded areas and public places including shopping centres, nightclubs, bars busy tourist attractions. Keep your valuables secure and be aware of your surroundings. 

Drink Spiking and Methanol Poisoning

Incidents of drink spiking have been reported in bars and nightclubs, particularly in tourist areas. Additionally, cases of methanol poisoning from contaminated alcoholic beverages have occurred. Follow these tips to reduce to the risk of drink spiking and methanol poisoning: 

  • Never leave your drinks unattended 
  • Don’t accept drinks from strangers 
  • Stay with people you trust and have a designated driver 
  • Only drink at licensed premises 
Rigged Taxi Metres

It may be common for taxis to inflate transportation costs for tourists. Stick to travelling with reputable and licenced taxis or ride-sharing services around the Philippines. Agree on costs upfront to prevent issues like rigged taxi meters or inflated charges.

Unlicensed Tour Operators

Some unlicensed tour operators may offer tourists cheap trips to popular destinations but provide substandard services instead. Always use properly licensed and reputable local operators for tours and excursions.

Kidnappings

There is an elevated risk of terrorism-related kidnapping in central and western Mindanao. The Australian Government advises against travel to high risk areas including the Zamboanga Peninsula and Siargao island. If you must travel to these regions, maintain a low profile and be aware of your surroundings at all times.

Civil Unrest and Terrorism in the Philippines

The Philippines faces challenges related to civil unrest and terrorism in certain regions. Political rallies and demonstrations occur occasionally in urban areas and can sometimes turn violent. Terrorism remains a concern, particularly in specific areas where terrorist groups operate. Stay informed through official sources and avoid areas with active warnings.

Safety for Sports and Adventure Activities

The Philippines offers numerous opportunities for sports and adventure activities, from world-class diving to trekking and surfing. To ensure you stay safe when participating in sports and adventure activities during your stay in the Philippines: 

  • Choose activities appropriate for your skill level and physical condition 
  • Use reputable tour operators with proper safety equipment and procedures 
  • Follow all safety instructions and guidelines provided 
  • Check weather conditions before participating in outdoor activities 
  • Wear appropriate safety gear for adventure sports 

Consider taking out travel insurance to provide cover for your chosen activities in Philippines.

Sports and Leisure Activities

Fast Cover’s list of Covered Sports and Leisure Activities provide cover for a wide range of activities.

Adventure Activities

Fast Cover's optional Adventure Pack provides cover for many more adventure activities for an added premium.

Always check the eligibility criteria, policy terms, conditions, exclusions and limits that apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Climate and Natural Disasters in the Philippines

Researching your destinations and understanding the climate and potential natural disasters in the Philippines will help you prepare for a safer trip to the Philippines and help you deal with potential travel disruptions. Remember, Fast Cover’s travel alerts can also provide updates during severe weather events.

Typhoons

The Philippines experiences an average of 20 typhoons yearly, primarily during the wet season from June to November. These powerful storms can cause flooding, landslides, and transportation disruptions. If visiting during typhoon season, monitor local weather reports closely and follow instructions from authorities.

Earthquakes

Located along the Pacific Ring of Fire, the Philippines experiences frequent seismic activity. While most earthquakes are minor, significant events can occur. Familiarise yourself with safety procedures and evacuation routes at your accommodation.

Tsunamis

Coastal areas of the Philippines may be vulnerable to tsunamis following underwater earthquakes. If you're staying in coastal areas, be aware of tsunami warning systems and evacuation routes.

Volcanic Eruptions

The Philippines has numerous active volcanoes, including popular tourist sites like Mount Mayon and Taal Volcano. Before visiting volcanic areas, check current activity levels and heed any warnings or restrictions. The Philippine security forces may restrict access to areas at risk.

When is the Best Time to Visit the Philippines

The best time to travel to the Philippines depends on your planned activities and personal preferences. When planning your trip, consider what you want to experience in the Philippines as the dry and wet seasons offer unique experiences to explore the country and culture. The dry season offers better conditions for most outdoor pursuits, while the wet season may offer fewer crowds and lower prices.

Season 

Dry Season 

Wet Season 

Months 

November - April 

May - October 

Weather Conditions 

Generally sunny with low rainfall. Temperatures range from 25°C to 32°C. Lower humidity makes outdoor exploration more comfortable. 

Frequent rainfall and increased humidity. Risk of typhoons, especially from July to September. Some outdoor activities may be limited by weather. 

sun lounge chairs by the beach in boracay philippines
Popular Activities During the Dry Season
  • Island Hopping: Travelling between Palawan or Boracay's crystal-clear waters is ideal during the dry season when visibility is best for snorkelling and diving. 
  • Hiking: The famous Banaue Rice Terraces or Mount Pulag offers spectacular views during the drier months when trails are less muddy and skies are clearer. 
  • Beaches: Relaxing on the sands of White Beach in Boracay or the pristine shores of El Nido is most enjoyable with sunny, consistent weather.
Popular Activities During the Wet Season
  • Surfing: Siargao's Cloud 9 reaches its peak during the wet season when swells are biggest, attracting surfers from around the world. 
  • Whale Shark Watching: Donsol can be excellent during the early wet season months when these gentle giants are most commonly spotted. 
  • Cultural Festivals: The colourful Kadayawan Festival in Davao (August) showcase Philippine traditions during the wet season.
boat moored on beach in the philippines

Public Holidays in the Philippines

Knowing the Philippine’s public holidays helps you avoid peak travel times, crowded tourist attractions, and higher travel costs, but also lets you plan to be part of festive seasonal events. It also ensures you're aware of potential closures, cultural events and public transport disruptions to help plan your itinerary.

Date 

Public Holidays in the Philippines 

January 1 

New Year's Day 

January 2 

Additional Special Non-Working Day 

February 25 

EDSA People Power Revolution Anniversary 

April 17 

Maundy Thursday 

April 18 

Good Friday 

April 19 

Black Saturday 

April 9 

Araw ng Kagitingan (Day of Valor) 

May 1 

Labor Day 

June 12 

Independence Day 

August 21 

Ninoy Aquino Day 

August 25 

National Heroes Day 

November 1 

All Saints' Day 

November 30 

Bonifacio Day 

December 24 

Christmas Eve 

December 25 

Christmas Day 

December 30 

Rizal Day 

December 31 

Last Day of the Year 

 

Ready to Embark on your Adventure to the Philippines?  

Explore the benefits and cover options available with Fast Cover’s travel insurance for your trip to the Philippines.

Health Advice for Travelling to the Philippines

Maintaining good health during your trip to the Philippines requires awareness of potential health risks and access to medical services. Taking preventative measures before and during your trip can help ensure your travel experience remains positive.

Health Risks when Travelling in the Philippines

Several health considerations should be on your radar when visiting the Philippines:

Water Pollution

Water quality varies throughout the Philippines. Avoid drinking tap water, stick to bottled or purified water, and be cautious when swimming in rivers or beaches near urban areas where pollution may be present.

Insect-Borne Illnesses

Dengue fever, Zika virus, and other mosquito-transmitted diseases are present. Use insect repellent, wear protective clothing, and stay in accommodations with screens or air conditioning when possible.

Rabies

Rabies is present in the Philippines, primarily in dogs. Avoid contact with stray animals, and if bitten, seek medical attention immediately.

Measles

Periodic measles outbreaks occur in the Philippines. Ensure your vaccinations are up to date before travelling.

Polio

The Philippines has reported cases of polio in recent years. Check with your healthcare provider about vaccination recommendations.

Fish Poisoning

Ciguatera fish poisoning can occur from consuming certain reef fish. Eat at reputable restaurants and be cautious about fish caught in reef areas. 

Healthcare in the Philippines

Medical facilities in the Philippines vary widely in quality and accessibility. Major cities like Manila and Cebu have private hospitals with good standards, while facilities in rural areas may be limited. Emergency medical and hospital expenses can become costly for travellers.

people waiting in a hospital
Fast Cover's Medical Benefits

Fast Cover’s international travel insurance policies include:

  • overseas 24/7 emergency medical assistance,
  • overseas emergency medical and hospital expenses,
  • overseas emergency dental, and
  • overseas emergency medical evacuation and repatriation

to help cover you if you become unexpectedly injured or sick while in the Philippines.

plastic model of heart anatomy
Travel Insurance for Existing Medical Conditions

If you have an existing medical condition, Fast Cover may be able to provide some cover. You’ll need to complete a medical screening process online or call our Aussie based sales team.

To find out more about our medical screening process, and how the policy will apply in relation to an existing medical condition, please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Medication in the Philippines

If you're travelling with medication, beware that some medications may require special permits or customs clearance to be brought into the Philippines. Follow these steps to prepare for travelling to the Philippines with medication and avoid potential issues at customs:

Check Philippine Medication Regulations

Some medications that are legal in Australia may be controlled or prohibited in the Philippines. Verify regulations before your trip with the Philippine Embassy.

Obtain a Permit for Restricted Medications

For certain medications, particularly those containing controlled substances, you may need to obtain a permit from the Philippines Bureau of Immigration.

Carry Documentation

Always carry your prescriptions and a letter from your doctor (in English) explaining your need for the medication. Keep medications in their original, labelled containers and keep your receipt to show lawful proof of purchase.

Travel Limits

Bring only the amount of medication needed for your stay based on your prescription.

Laws and Customs for Travellers in the Philippines

Familiarizing yourself with local laws and customs in the Philippines is essential for a respectful and trouble-free visit. As a visitor, you're subject to Philippine law, which may differ significantly from Australian regulations. Keep in mind that travel insurers generally don't cover you when your claim arises from breaking the law, so it's best to familiarise yourself with Philippine laws before your trip.

Obeying Local Laws When Travelling Through the Philippines

Respecting local laws is important for a trouble-free trip to the Philippines. Below are a few common tips to follow to avoid legal trouble.

Registration and Identification

Visitors staying for extended periods may need to register with local authorities. Always carry identification, such as a photocopy of your passport, while keeping the original in a secure location.

Use and Possession of Drugs and Alcohol

The Philippines has extremely strict drug laws with severe penalties, including lengthy prison sentences, for possession, use, or trafficking of illegal drugs. The legal drinking age is 18, and public intoxication may result in detainment.

Traffic Offences

If you plan to drive in the Philippines or rent a vehicle, ensure you have an International Driving Permit (IDP) and follow local traffic rules, including speed limits and seatbelt requirements.

Social Customs in the Philippines

Understanding social customs and etiquette will enhance your travel experience and relationship with locals in the Philippines.

Food and Restaurant Etiquette

Meals are often shared communally. It's polite to try everything offered. Leaving a small amount of food shows you've had enough to eat.

Common Greetings and Gestures

Filipinos typically greet with a handshake. The "mano" gesture (taking an elder's hand and touching it to your forehead) shows respect to older people. Pointing with your finger is considered rude; instead, gesture with your eyes or chin.

Clothing

Locals generally dress conservatively despite the tropical climate. In cities and tourist areas, casual wear is acceptable, but when visiting religious sites or rural communities, modest attire covering shoulders and knees is appropriate.

Visa Requirements for Travelling to the Philippines

For Australian tourists planning to travel to the Philippines, visa requirements are relatively straightforward: 

  • Australians can enter the Philippines visa-free for stays up to 30 days with a passport valid for at least six months beyond your intended stay. 
  • For stays beyond 30 days, you can apply for a visa extension through the Philippines Bureau of Immigration once in the country. 
  • Make sure your passport has at least two blank pages for entry stamps. 

It is important to note that your travel insurance policy may not provide cover if you do not comply with Philippines’s visa or other entry requirements. To help ensure you are prepared for your trip, you should research and understand the relevant entry conditions before you travel. 

For more details, visit Fast Cover’s Philippines Visa Requirements page.

Passport Requirements in the Philippines

When travelling to the Philippines from Australia, ensure: 

  • Your passport is valid for at least six months beyond your intended stay. 
  • You have at least two blank pages for entry stamps. 
  • Your passport is in good condition, as damaged passports may result in entry denial. 
  • Keep photocopies of your passport's identification page and Philippine visa/entry stamp separate from your passport. 

Read our article on passport safety tips to learn how keep your passport safe while travelling in the Philippines.

It is important to note that your travel insurance policy may not provide cover if you do not comply with the Philippines' visa or other entry requirements. To help ensure you are prepared for your trip, you should research and understand the relevant entry conditions before you travel.

Advice for Tourists Travelling in the Philippines

Travelling to the Philippines is an unforgettable experience, but it’s important to be well-informed about practical details like currency, staying connected and transport to help you make the most of your experience. For more tourism information, visit the official tourism website Tourism Philippines.

Currency in the Philippines

The Philippine peso (PHP) is the official currency. You can exchange currency before arrival or at authorised exchange facilities in airports. For current exchange rates, check a currency converter like XE Currency.

Common Payment Methods in the Philippines

Major credit cards are widely accepted in urban areas and tourist destinations, but cash is preferred in smaller establishments and rural locations. ATMs are available in cities and tourist areas but may be scarce in remote regions. Notify your bank of your travel plans to prevent card blocks for suspicious overseas transactions.

Internet and Wi-Fi in the Philippines

Internet connectivity varies throughout the Philippines. Major cities and tourist areas generally have good internet access through hotels, restaurants, and cafes while rural areas and smaller islands may have limited or slower connections. 

While there are no significant internet restrictions, service can be affected by weather conditions or infrastructure limitations. Consider downloading essential maps and information for offline access when travelling to remote areas.

Mobile Phones and eSIMs in the Philippines

Staying connected is relatively straightforward: 

  • Australian phones typically work in the Philippines if they're unlocked and have roaming enabled (check with your provider for rates). 
  • Local SIM cards offer more affordable data and call rates, available at airports and convenience stores with simple registration requirements. 
  • eSIM service is available through major providers like Globe and Smart. You can purchase and activate an eSIM online before your trip or upon arrival.
Travel Adaptors and Electronics

The Philippines uses Type A, B, and C electrical outlets with 220V supply. To be prepared make sure you bring a universal adaptor compatible with these plug types and a power bank, useful for long day trips, especially in areas with unreliable electricity. 

What Should You Pack for a Trip to the Philippines?

Planning what to pack for the Philippines ahead of time will ensure you’re well-prepared and have taken measures for a stress-free holiday when it comes time to go. Here’s our guide on what to pack for your holiday to the Philippines.

Packing for the Dry Season
  • Lightweight, breathable clothing such as cotton or linen 
  • Sun protection such as sunglasses, hat, and high-SPF sunscreen 
  • Comfortable walking shoes 
  • Light rain jacket or compact umbrella for occasional showers
Packing for the Wet Season
  • Quick-drying clothes 
  • Lightweight waterproof jacket or poncho 
  • Waterproof footwear or shoes that can dry quickly 
  • Waterproof bag for electronics and valuables 
Keep Your Luggage Secure
  • TSA-approved locks for checked baggage 
  • RFID-blocking wallet or pouch for credit cards and passport 
  • Luggage tags with covered personal information 
  • AirTags or Tile trackers to help locate bags
Luggage and Personal Effects Insurance

Fast Cover’s luggage and personal effects benefit may provide cover for theft, loss, or damage to your luggage and personal items. If you’re travelling to the Philippines with high value items, you can declare many of them as specified high-value items to help cover them for more than what they are currently covered for under the standard policy terms and conditions.

Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Transport in the Philippines: Getting Around the Philippines

The Philippines offers diverse transportation options to help you navigate between destinations. Here’s what you need to know about getting around in the Philippines.

Riding a Motorcycle, Moped or Scooter in the Philippines

Motorcycles are a popular transportation option in the Philippines, particularly in congested urban areas and on smaller islands like Boracay and Siargao island. If you choose to ride: 

  • Always wear a helmet (required by law) 
  • Follow all traffic rules and signals 
  • Be particularly cautious in wet conditions 
  • Avoid rush hour traffic if possible 
  • Make sure you have a valid licence for riding 
Rental Vehicles in the Philippines

Renting a vehicle in the Philippines can be a great way to explore the country at your own pace but comes with its own challenges of foreign road rules and unfamiliar traffic conditions. Consider if your travel insurance policy covers your rental vehicle excess.  

Taxis and Ride Sharing Apps

In major cities, regulated taxis and ride-sharing services like Grab provide convenient transportation. Use meter-running taxis or agree on a fare before starting your journey. Ride-sharing apps often offer more transparent pricing and route tracking. Keep in mind, some taxis in Manila may refuse short trips during peak hours. In these cases, ride-sharing apps can be more reliable.

Buses and Jeepneys

The colourful jeepneys are iconic Philippine transportation. Jeepneys follow set routes and are very affordable but can be crowded while air-conditioned buses connect major cities and towns, offering more comfort for longer journeys. For both options, ask locals about routes or use transportation apps to navigate the system.

Railway Network

The Philippines has limited railway services. In Manila, the Light Rail Transit (LRT) and Metro Rail Transit (MRT) serve urban areas. These systems can help avoid notorious Manila traffic jams during peak hours.

Ferries

With thousands of islands, ferry services are essential in the Philippines. Large ferries connect major islands with reasonable comfort while smaller boats serve shorter inter-island routes. Always check weather conditions before ferry travel, especially during typhoon season. Verify the operator's safety record and ensure life jackets are available.

Driving Permits and License Requirements

If you plan to drive in the Philippines follow these license requirements: 

  • Carry an International Driving Permit (IDP) alongside your valid Australian driver's license 
  • Obtain your IDP in Australia before departure through authorised automobile associations 
  • Familiarise yourself with local traffic laws, which include driving on the right side of the road
Coverage for Riders with Fast Cover's Motorcycle Pack

Fast Cover’s Motorcycle Pack is an optional extra available under our International policies that may provide cover to you for being the rider or passenger on a: 

  • Motorcycle,  
  • Moped, or 
  • Scooter. 
Fast Cover’s Rental Vehicle Excess Benefit

Fast Cover’s Rental Vehicle Excess benefit may provide cover for the rental vehicle excess component of your rental vehicle insurance with your car hire company in the Philippines, up to the specified limit in your travel insurance policy. This benefit applies to a: 

  • Sedan, hatchback, or station wagon,   
  • Four-wheel drive or minibus/people mover, or  
  • A campervan or motorhome (up to 4.5 tonnes), 

rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms).

Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Important Contact Information in the Philippines

Having the right contact information on hand can make all the difference in an emergency. Save these essential details before your trip to the Philippines.

Philippines International Country Code: +63

This code is vital if someone needs to reach you on a Philippines mobile number, especially when using services like an eSIM. For example, dial +63 followed by the local number (dropping the initial 0) to make a call.

Emergency Contacts in the Philippines
  • Police: 911 or 117 
  • Fire and Rescue: 911 or 117 
  • Ambulance: 911 or 117 
Philippine Embassy in Australia
Fast Cover 24/7 Emergency Assistance

FAQs

The Philippines is generally considered safe for Australian travellers, especially in established tourist destinations. However, the Australian government advises exercising a high degree of caution throughout the country and avoiding travel to specific high-risk areas including central and western Mindanao and the Sulu Archipelago. Stay informed about current conditions through Smartraveller, Fast Cover’s travel alerts and follow local advice to ensure a safe trip. 

The best time to visit depends on your planned activities. The dry season (November to April) offers ideal conditions for most outdoor activities and island hopping, while the wet season (May to October) may have fewer crowds and lower prices but comes with increased rain and potential typhoons. For most travellers, the peak dry season months of December to February provide the most comfortable weather. 

Before you travel to the Philippines from Australia, make sure to research your travel destinations and the activities you will do in the Philippines so that you can pack accordingly. Ensure your passport is valid and check visa requirements. Consider purchasing travel insurance for your trip to the Philippines. Fast Cover offers travel insurance policies that can be customised with optional extras to suit many travellers travel plans to the Philippines.

Filipinos value respect and courtesy. Greet with a handshake, dress modestly (especially at religious sites), remove shoes when entering homes, and use your right hand for giving or receiving items. When dining, wait to be seated and try everything offered. Pointing with your finger is considered rude. Use your chin or eyes instead. Learning basic Filipino phrases is appreciated, though English is widely spoken in tourist areas. 

Philippines Travel Hub

Discover travel resources, advice and tips for your next holiday to the Philippines.

Philippines Entry and Visa Requirements

Planning a trip to the Philippines? Learn how to register your trip on the Philippine Travel Information System (eTravel) before you leave Australia. Find out about your visa and passport requirements for the Philippines.

Keeping Your Passport Safe While Travelling

Your passport is one of your most valuable items while you're travelling. Without one, you could end up stranded in a foreign country. Learn our top tips to help protect your passport while travelling.

Travel Insurance for the Philippines

Whether you’re island-hopping in Palawan, surfing the waves in Siargao or snorkelling off the coast of Cebu, Fast Cover’s Philippines travel insurance offers different levels of cover to suit many types of travel in the Philippines

 

Share now!

Need affordable travel insurance?

Things you need to know

^ Price as at 27/10/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.