Just kidding Tawi I've read enough about the Phil's and asked enough questions to know where to go and where to avoid when I'm over there. I don't think my Travel or Life insurance would cover me in SW Mindanao anyway? Probably OK in Davao and CDO, I guess it depends what is on the FCO website said at the time and what the insurance company would try to worm out of in the event of an internet beheading claim