Travel insurance for Indonesia: All you need to know

Not surprisingly, Indonesia attracts millions of travellers every year—its ancient temples, dream beaches and exciting culture are well worth it. However, despite being a country that’s well prepared for tourism, it isn’t without risks. Tropical diseases such as dengue fever, adventure sports accidents or silly falls can completely spoil a trip. Take out insurance before setting off. That’s why today we want to talk to you about one of the most important things you should think about while preparing your adventure: Travel insurances for Indonesia.

But good insurance doesn’t just cover you for medical bills, which can be quite high. It also guarantees cover for emergencies or extreme situations and takes care of any expenses you may incur in the event of flight delays or lost luggage. Although we already looked at the best international travel insurance before, we are now focusing on the best ones if you’re travelling to destinations such as Bali or Jakarta.

Why take out travel insurance for Indonesia?

In general, travel insurance is needed for any destination. If you choose a destination where nature takes center stage and adventure sports are the norm, even better! This is the case of Indonesia, an exotic destination full of contrasts where it isn’t difficult to have mishaps while trekking through its jungles or snorkelling in its more than 17,000 islands.

It’s not an especially expensive country, but medical expenses can be quite high. Imagine that, during a diving or surfing trip in Bali, you have a fall and need urgent medical attention. A single day of hospitalisation in a private hospital can cost more than $100. An emergency surgery? It can exceed $2,500. Plus, in the case of a serious emergency requiring repatriation to your home country, the cost can reach $100,000—an astonishing amount that only a solid travel insurance plan can cover.

On the other hand, in many rural or less developed areas, hospitals may not have the resources to handle more complex cases, forcing travellers to move to larger cities or even to nearby countries such as Singapore. This also involves medical transport costs which, in emergency situations, can add up to thousands of dollars. Common diseases such as dengue fever, which is common in tropical areas of Indonesia, may require hospitalisation and constant medical follow-up.

The costs of medical care in Bali and other tourist islands can be high and, in extreme situations, seriously compromise a traveller’s finances. But that’s not the only reason you need insurance—it will also protect you against other incidents, such as baggage theft or flight delays.

What should a travel insurance for Indonesia cover?

When first faced with the choice of travel insurance, the coverages can be a little confusing. What minimum medical expenses should I cover? Do all travel insurance plans cover flight delays? Ideally, policies for Indonesia should include full medical care, accident assistance and personal belongings protection. Although the minimum coverages will depend on the type of holiday you’re planning, this is what you should require to take out insurance:

1. Emergency medical care
   The cost of medical care in Indonesia, especially in private clinics in areas such as Bali, can be quite high. A minimum coverage of about $500,000 is ideal for medical emergencies that may arise, such as hospitalisation or surgery. In addition, it’s important that the insurance lan covers medicines. Although even potent drugs, such as antibiotics, are sold over the counter, they can be expensive.
2. Health and medical repatriation
   In the event of a serious emergency, repatriation is essential. The cost of an emergency transfer can exceed $100,000 in some cases, especially if a return medical flight is required. This cover is essential, many hospitals do not have the same standards as in Europe or North America and often the safest option is to transfer to the home country or to a more specialised centre in the region, such as Singapore.
3. Coverage for adventure sports
   Indonesia is ideal for outdoor sports such as surfing, diving and hiking, but these activities have risks. Not all insurances include adventure sports. If you’re going to practice them, look for a policy that does. Many insurers have specific plans for high-risk sports that cover sports-related accidents.
4. Lost, stolen, or delayed luggage
   It’s common to experience lost or stolen baggage at airports or tourist areas. Insurance that covers between $1,000 and $3,000 in compensation will allow you to quickly replace your belongings without interrupting your trip.
5. Coverage for flight delays and cancellations
   Flight delays and cancellations are frequent on international routes. Adequate insurance will provide compensation for additional expenses, such as accommodation or meals, for each day of delay. This is especially useful in connecting destinations, where flights are less frequent.
6. 24/7 assistance
   The time difference and the need to resolve issues quickly make round-the-clock support essential in a travel insurance plan for Indonesia. The best insurances include Apps that facilitate real-time contact. These apps, together with your Holafly eSIM card, will allow you to manage your incidents from anywhere in the country.

Comparison of the best travel insurances for Indonesia

Choosing the right travel insurance for Indonesia can make the difference between fully enjoying your experience or facing unforeseen events without sufficient cover. To make your choice easier, we’ve put together a comparison of the five best travel insurances for Indonesia, with further information on each policy, from the medical expenses they cover to special cover for adventure activities.

The 5 top travel insurances for Indonesia

As you may have noticed in the table above, while all travel insurance plans for Indonesia offer similar coverage, some stand out in certain areas while others excel in different aspects. Thus, we want to tell you a little more in detail about the best travel insurance for Indonesia, reviewing their policies, their coverage and the benefits they offer, so that you can choose the insurance that best suits your type of trip and needs.

IATI 

IATI Insurances is one of the oldest and most reliable travel insurers worldwide, with a long history that makes it a leader in the online market. Specialising in insurance products for travellers of all profiles, it offers everything from basic cover to options for extreme adventures, adapting to different types of travellers and destinations. Their experience of almost 140 years in the industry underpins the quality of their services, with no excess policies and no money down to receive assistance.

One of the reasons for its popularity is its commitment to the customer, to whom it provides 24/7 multilingual assistance from anywhere in the world. In addition, IATI stands out for its App, which makes management of emergencies and the request for medical attention easier, thus allowing immediate support from the traveller’s mobile device.

Main coverage:

• Medical expenses: From €100,000 ($103,793 US) for IATI Basic to €5,000,000 ($5,189,385 US) for IATI Star.
• Repatriation: 100%
• Loss of baggage: €500 ($518 US) For Basic insurance, up to €2,500 ($2,594 US)for Star insurance.
• Adventure sports coverage: Included in superior plans. For whitewater, canyoning, rafting, cross-country skiing and other high-risk sports, you’ll need to take out the “Premium Adventure” clause in any plan.
• Refund for delays: €300 ($311 US) in IATI Star insurance

Plans and prices:

• IATI Backpacker: €53.99 ($58.39 US) for 7 days.
• IATI Basic: €32.90 ($35.58 US) for 7 days.
• IATI Standard: €38.88 ($42.05 US) for 7 days
• IATI Star: €70.87 ($76.64 US) for 7 days

AXA

AXA is one of the world’s best-known insurers, and its strong reputation for travel insurance makes it a popular choice for those looking for reliable back-up when travelling. With an extensive network of international coverage and excellent customer service, it excels in emergency assistance services and the quality of its international medical networks. Its industry expertise and flexible plans allow travellers to choose from a range of coverages tailored to their needs, including options for adventure sports and medical refund.

One of the benefits most valued by AXA customers is its extensive medical care cover, with a cap of up to €150,000 ($155,667 US) in its basic policies and the option of unlimited repatriation in all its plans. It also has an efficient 24/7 care system that ensures assistance in case of emergencies at any time and anywhere in the world.

Main coverage:

• Medical expenses: Up to €150,000 ($162,209 US)
• Repatriation: Unlimited.
• Lost or stolen baggage: Up to €1,500 ($1,622 US)
• Adventure sports: Additional option €33.61 ($34.87 US)
• Civil liability: €30,000 ($32,441 US)

Plans and prices:

• Mini insurance: €37.64 ($40.82 US) for seven days
• Total Insurance: €58.07 ($62.80 US) for seven days
• Total Plus Insurance: €80.28 ($86.81 US) for seven days

Heymondo

Heymondo is a modern travel insurer that combines technology and excellent customer service. With its App, Heymondo facilitates travel incident management, allowing users to access remote medical consultations and emergency assistance in real time, from anywhere in the world. It stands out particularly for its 24/7 multilingual customer service, a major advantage for multilingual travellers seeking immediate assistance.

Heymondo offers a range of policy options to suit different travel styles, with cover for up to €10M in medical expenses. In addition, Heymondo’s “Premium Travel” insurance plan covers adventure sports, with up to €60,000 ($62,251 US) in liability, ideal for those who plan to practice activities such as surfing, diving or climbing in international destinations.

Main coverage:

• Medical expenses: Up to €600,000 ($648,837 US) for “Ease of Mind Travel” and €10,000,000 ($10,796,250 US) for “Premium Travel”.
• Repatriation: Unlimited.
• Lost or stolen baggage: Up to €1,500 ($1,622 US) for the Ease of Mind plan and up to €3,500 ($3,778 US) for the Premium plan. Up to €2,500 ($2,700 US) on the Top Travel fare.
• Adventure sports: Included in the Complete modality.
• Civil liability: €60,000 ($64,883 US)

Plans and prices:

• Essential Travel: €30.55 ($91.80 US) for 7 days.
• Ease of Mind Travel: €35.59 ($91,80 US) for 7 days.
• Top Travel: €57.18 ($61.82 US) for 7 days
• Premium Travel: €76.01 ($82.18 US) for 7 days

Chapka

Chapka Insurance is an attractive option for travellers seeking cover for sports and adventure activities. This French insurer has won over outdoor enthusiasts thanks to its coverage for activities like diving, surfing, and kitesurfing—no extra fees required. With quality care available 24/7, Chapka also stands out for its medical coverage, which reaches up to €250,000 ($259,382 US) in its basic plans and up to €1M ($1M US) in its premium policies.

One of Chapka’s most notable coverages is its flight delay coverage on the higher plans, which offers greater peace of mind on long journeys or in areas with limited connections. Plus, its affordable prices make it a great choice for travellers looking for comprehensive coverage without breaking the bank.

Main coverage:

• Medical expenses: Up to €250,000 ($269,946 US). €1,000,000 ($1,081,395 US) for superior plans, and also emergencies and hosptialisations.
• Repatriation: Included.
• Lost or stolen baggage: Up to €1,500 ($1,620 US). Superior plans €2,500 ($2,703 US).
• 24/7 assistance: Medical assistance at any time.
• Adventure sports cover: It includes sports such as diving, surfing or kitesurfing.
• Flight delays: Only at the start of the trip, up to €150 ($162 US). €1,500 ($1,622 US) for superior plans.

Plans and prices:

• Cap Trip Plus: €35.59 ($36.92 US) for 7 days.
• Cap Basic: €26.76 ($27.76 US) for 7 days

Intermundial

Intermundial is a well-known insurer for its excellent value for money, perfect for those seeking comprehensive coverage without overspending. It specialises in insurance products for frequent travellers, with options that cover medical emergencies as well as liability and luggage loss. Intermundial offers an extensive network of global coverage and 24/7 multilingual assistance, which makes it much easier to resolve unforeseen events in any country.

One of the most valued aspects of Intermundial is the flexibility of its plans, which allow you to change the dates of coverage if your trip is postponed. It’s also worth noting its extension option for adventure sports and high-risk activities, ideal for those looking to explore new destinations in an active way.

Main coverage:

• Medical expenses: Up to €300,000 ($311,274 US) for the TotalTravel Mini plan, up to €2,500,000 ($2,593,942 US) for the TotalTravel Premium plan. The Totaltravel plan covers up to €1,000,000. ($1,037,589 US)
• Repatriation: Unlimited on all plans.
• Loss of baggage: Up to €1,500 ($1,556 US) for the most basic plan, €2,500 ($2,593 US) for the TotalTravel plan and up to €3,200 ($3,320 US) for the Premium plan.
• Civil liability: Up to €80,000 ($83,012 US) for the Totaltravel plan, up to €100,000 ($103,756 US) for the Premium plan.

Plans and prices:

• TotalTravel Mini: €33.31 ($34.56 US) for 7 days.
• TotalTravel: €41.74 ($42.54 US) for 7 days.
• TotalTravel Premium: €65.78 ($43.31 US) for 7 days.

Which is the best travel insurance for Indonesia?

Choosing the right travel insurance for Indonesia is no easy task. It all depends on your budget, the activities you plan to do and the coverage you consider essential. After this thorough analysis, we can say that IATI Backpacker is the best travel insurance for Indonesia, especially if you plan to explore the country actively. Why?

Sound medical coverage

IATI Backpacker includes up to €600,000 ($648,000 US) in medical expenses, an amount that guarantees peace of mind agains any eventuality. This coverage is essential if you plan to go diving in Raja Ampat or trekking in Bali. It also covers unlimited medical repatriation—crucial if you ever need to return urgently due to a serious incident.

Theft or loss of luggage

Nothing ruins a trip like losing your luggage, especially if you have valuable devices or sports equipment with you. IATI Backpacker offers up to €1,500 ($1,622 US) compensation in case of theft or loss.

Multilingual assistance and 24/7 support

IATI offers a 24-hour multilingual helpline, which is key in emergency situations. Plus, their team is well aware of the common challenges that can arise during adventure trips, so you can rest assured that you’ll get the help you need anytime.

Value for money

In terms of price, IATI Backpacker offers competitive rates to suit most budgets. Its value for money is unbeatable, considering the extensive medical coverage, protection for high-risk activities, and comprehensive assistance it provides.

With IATI Backpacker, you can enjoy Indonesia with the confidence of being backed up in case of any eventuality, allowing you to focus on having an unforgettable experience.

With this review of the different travel insurance coverages for Indonesia, you’re one step closer to enjoying a worry-free adventure. If you need more information on your preparation, you can look at our guides on what is the best time to travel to Indonesia or how to stay connected once you land in Bali or any other island in the archipelago.

Plans that may interest you

Italy

From

$6.90

USD

Read full bio

Related reading