Some countries do have that requirement, I know the Czech Republic does (that you must have proof of health insurance to enter the country). They don't usually check, but might for certain nationalities.
In the US, you can easily buy travel insurance on the internet on websites like www.insuremytrip.com I don't know what the situation is in the Phillipines in that regard, but there must be a way to buy it. But if you want a visa, it isn't clear to me if you are going only for a short trip or to be a student or how long you plan to be there. Because if you are a student, I think the educational program or school should have some arrangement for health insurance.
YOu can look at www.insuremytrip, they do have option where you can put in where you live and I think some policies are available outside the US. Otherwise, some people at the consulate could maybe give suggestions on how you do this, they might know of resources.
Source: http://www.fodors.com/community/europe/travel-health-insurance-464202-2.cfm
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