Moving to the Philippines can be one of the best decisions you’ll ever make—but if you’re not careful, it can also come with some expensive and frustrating mistakes.
I know this firsthand.
I moved to the Philippines at 54, after losing my job, going through a difficult divorce, and selling my home. Within days of arriving, I was already learning lessons the hard way.
If you’re planning your move, here’s what NOT to do—so you can avoid the same mistakes I made
Mistake #1: Getting an International Driver’s License (You Don’t Need It)
Before leaving the U.S., I went to AAA and paid for an international driver’s permit.
Turns out? Completely unnecessary.
In the Philippines:
-
- Your valid U.S. driver’s license is enough (for a limited time)
-
- The international permit is rarely even looked at
-
- It’s basically wasted money
Lesson: Don’t overprepare for things you haven’t verified locally.
Mistake #2: Assuming You’re Covered in an Emergency
Within my first week in the Philippines, I was in a car accident.
The car was totaled.
One of my friends was injured and needed surgery.
The cost? Thousands of U.S. dollars.
And here’s the problem:
- No proper insurance
- No financial protection
- Immediate out-of-pocket expenses
This is where most expats get caught off guard.
Recommended: Get International Health Insurance
If you’re moving abroad, this is not optional.
You need coverage that works outside your home country, especially in emergencies.
❌ Mistake #3: Not Having Mobile Data Set Up Before You Land
Landing in a new country without internet is a nightmare.
You’ll need:
- Maps
- Ride apps
- Communication
- Booking access
👉 Most people rely on expensive roaming or scramble to find a SIM card.
👉 Set Up Mobile Data Before You Land
The easiest way to avoid this problem is to have mobile data ready the moment you arrive.
❌ Mistake #4: Thinking You’ll “Figure It Out Later”
This was my mindset.
I thought:
“I’ll just handle things when I get there.”
Bad idea.
The Philippines is very different from the U.S. in:
- Systems
- Infrastructure
- Processes
👉 Things that are simple back home can become complicated quickly.
Explore the Cost of Living Here
What You SHOULD Do Instead
Here’s the smarter approach:
✅ Research real expat experiences
✅ Set up insurance before leaving
✅ Have mobile connectivity ready
✅ Keep things simple—don’t overbuy or overprepare
✅ Expect an adjustment period
If you’re planning your move, make sure you’re covered and connected before you arrive.
👉 Compare health insurance options
👉 Set up mobile data before you arrive
FAQs
Do I need an international driver’s license in the Philippines?
No. A valid U.S. license is typically sufficient for short-term use.
Do expats need health insurance in the Philippines?
Yes. Medical costs can be high without coverage, especially for emergencies.
What is the best way to get mobile data in the Philippines?
Using an eSIM like Airalo lets you activate data before arrival and avoid roaming fees.
Can I use my U.S. phone in the Philippines?
Yes, but you’ll need a compatible SIM or eSIM and an unlocked phone.
Next Steps
Just getting started?
👉 Start Here: Moving to the Philippines
Planning your budget?
👉 How Much Does It Cost to Live in the Philippines
Before you move:
👉 Philippines Pre-Move Checklist