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Travelers heading to Indonesia who want to purchase travel insurance should pick plans that provide sufficient medical coverage, insure the adventure sports they plan to participate in, know their deductible and coinsurance expectations, and more.
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If you’re heading to Indonesia soon but want some tips on how to pick the right travel insurance plan, you’re in the right place!
This Pacific Prime blog post will not only detail 6 tips you should follow, but we’ll introduce you to 6 top travel insurance providers for Indonesia and 4 types of plans you can choose from.
By the end of this article you should feel more prepared to pick the plan that works for you. It may also be helpful for you to better understand how the healthcare system works in Indonesia and to read our core article introducing The 5 Best Travel Insurance Companies.
6 Tips for Getting Travel Insurance in Indonesia
Travelers heading to Indonesia who want to insure their trip with travel insurance should consider these 6 tips when selecting their plan and provider:
- Make sure to get as much medical coverage as you need
- Get adventure sports coverage if your trip itinerary calls for it
- Know your deductible and coinsurance expectations
- Consider the cancellation coverage limitations
- Find deals for children if you’re traveling as a family
- Don’t under-insure your trip
Let’s dive a little deeper into each tip.
1. Make Sure to Get as Much Medical Coverage as You Need
Travelers going to Indonesia will want to pick a travel insurance plan that has as much medical coverage as their individual health circumstance and trip itinerary require. Most traditional travel insurance plans only offer bare minimum emergency medical and emergency evacuation coverage.
If you plan to stay in Indonesia for a long time or if you have particular health concerns that may make it more likely for you to need to seek medical care while abroad, you may want to consider a travel medical insurance plan that offers more benefits than emergency treatment.
2. Get Adventure Sports Coverage if Your Trip Itinerary Calls for It
Travelers in Indonesia who plan to participate in river rafting, parasailing, ATV riding, surfing, scuba diving, ziplining, or any other extreme sport must secure a travel insurance plan with adventure sports coverage. Most hazardous sports are not covered by regular travel insurance.
This means that if you receive an injury or medical emergency while participating in an extreme sport, your medical travel insurance benefits will not cover you and you’ll have to pay for all your medical fees out of pocket.
For that reason, it is essential to pick a travel insurance plan with an adventure sports benefit if you plan to participate in any of these sports:
- MotoCross
- Paragliding & Kitesurfing
- Rock Climbing
- Mountain Biking
- Skydiving
- Trekking
- Surfing
- Skiing
- Snowboarding
- Bungee Jumping
- Hang Gliding
- Kayaking
- Motorcycle, Motor Scooter, and Electric Scooter Riding
- Parachuting
- Snowmobiling
- Spelunking
- Wakeboarding
- Water skiing
- Windsurfing
- Zip lining
3. Know Your Deductible and Coinsurance Expectations
Some travel insurance plans hide your deductible or coinsurance contributions in the fine print, so make sure you know your obligations before purchasing any plan. If possible, pick a plan with a low deductible so you don’t have to pay thousands of dollars of medical fees before coverage kicks in.
On the flip side, if you agree to a higher deductible, it can lower your premium costs. This is an age-old debate that comes down to your preferences, budget, and needs.
Our recommendation is to weigh how much money you’re willing to invest in making sure the insurance company pays possible future medical fees for you (this is your premium) against how much money you are willing to pay out of pocket before the insurance kicks in (this is your deductible).
What we mean by that is while it may seem like you’re “losing” money by paying for travel insurance, which can make it sound tempting to pay for the lowest premium price available, if you have a serious medical condition while traveling and have to meet your high deductible before insurance starts, you may end up paying thousands of dollars without getting any coverage from your insurance company at all, even after you paid your small premium.
You can avoid this by paying a higher premium cost but with a very low deductible, and then the insurance company is expected to pay for your expensive medical treatments, not you, and all you contributed was your premium.
Again, this comes down to preference and budget. Before you travel, make sure you know your budget and if you can afford to pay for thousands of dollars of medical fees. If not, that’s why travel insurance exists in the first place!
4. Consider the Cancellation Coverage Limitations
Carefully look at the various reasons for cancellation and the limitations for each cancellation benefit. If it is at all possible you may need to cancel your Indonesia trip, delay your trip, or interrupt it, you may want to make sure you have coverage benefits for that cancellation reason.
Let’s look at the different types of covered cancellations for travel insurance and their common exclusions.
Trip Cancellation: Reimburses prepaid, non-refundable trip expenses if you cancel for a covered reason.
Common Covered Reasons:
- Illness, injury, or death of traveler, travel companion, or immediate family member
- Severe weather or natural disasters affecting travel
- Terrorist attack at the destination
- Job loss or work-related obligations
- Unforeseen legal obligations (jury duty, subpoena)
Exclusions:
- Cancellation due to fear of travel
- Pre-existing medical conditions (unless covered by a waiver)
- Travel restrictions or advisories
- Self-inflicted injuries or substance abuse-related issues
Cancel for Any Reason (CFAR): Allows cancellation for any reason not covered under standard trip cancellation.
Exclusions:
- Full reimbursement is not provided (usually partial)
- Late cancellation (within 48 hours of departure)
- Must be included as an optional add-on, not in standard policies
Trip Interruption: Reimburses unused, non-refundable trip expenses and additional transportation costs if you must cut your trip short for a covered reason.
Common Covered Reasons:
- Medical emergencies (for you or a family member)
- Death of a traveler or close family member
- Natural disasters or severe weather at the destination
- Emergency evacuation due to political unrest or terrorism
Exclusions:
- Leaving due to personal preference
- Pre-existing conditions (unless covered by a waiver)
- Any event not explicitly listed in the policy
Trip Delay: Provides reimbursement for extra expenses (lodging, meals, transportation) if your trip is delayed due to covered reasons.
Common Covered Reasons:
- Weather-related flight cancellations or delays
- Airline mechanical issues
- Strikes or civil unrest
- Lost or stolen passports
Exclusions:
- Short delays (policies often have a minimum delay requirement, e.g., 6–12 hours)
- Delays due to traveler’s negligence (e.g., missing a flight due to lateness)
- Expenses beyond policy limits
Missed Connection: Provides compensation for additional transportation and lodging costs if a missed connection disrupts your travel plans.
Common Covered Reasons:
- Delays caused by weather, airline schedule changes, or strikes
- Late-arriving flights or cruises
Exclusions:
- Missed connections due to personal negligence
- Not allowing sufficient time between connections
5. Find Deals for Children if You’re Travelling as a Family
There are Indonesia plans that include travel coverage for children at no additional cost. If you’re traveling as a family, it is worth the effort to select a plan that covers minors on the trip. Allianz Travel covers children under age 17 for free if travelling with parents or grandparents.
6. Don’t Under-Insure Your Trip
Know how much money you have invested in your traveling fees, housing accommodations, and prepaid excursions and pick a travel insurance plan that insurers the full cost of what you’ve paid. If you under-insure your trip and have to cancel, you can’t get back all of the sunk costs you paid.
The Best Travel Insurance Companies that Cover Indonesia
The best travel insurance companies that provide travel insurance for trips in Indonesia are April International, VUMI, IMG, GeoBlue, MSH International, and Allianz Travel.
April International
April International has over 30 years of experience providing international coverage for over 6 million travelers and expats around the globe. With a dedication to customer service and customer satisfaction, April International offers short-term, long-term, family, and emergency travel plans.
VUMI Travel VIP
VUMI offers single trip and annual trip Travel VIP travel insurance plans for travelers in Indonesia. They also offer non-medical add-ons and trip cancellation add-ons. VUMI Travel VIP plans include 24/7 customer support, free coverage for children under 2, and a covered second medical opinion.
IMG
IMG offers flexible IMG GlobeHopper plans that can cover as few as 5 days up to 2 years of travel. IMG travel insurance includes an adventure sports rider, enhanced AD&D option, citizenship return coverage rider, and an evacuation plus rider.
Indonesia travelers can select worldwide coverage or choose to exclude the USA and Canada.
GeoBlue
GeoBlue travel insurance plans for Indonesia travelers offer three general plans: Voyager Single Trip, Trekker Multi-Trip, and Xplorer Long-Term/Expat coverage. GeoBlue travel insurance allows travelers to seek care from an elite network of doctors and specialists for short-term or long-term trips.
GeoBlue also offers a variety of specialty plans for groups, students, crew members, missionaries, and employee benefits.
MSH International
MSH International is a provider with values for commitment, proximity, integrity, and entrepreneurship. MSH travel insurance plans for Indonesia travelers include the top medical network, tailored plans for family needs, 24/7 support, flexible formulas, and inclusive coverage worldwide.
Allianz Travel
Allianz Travel offers 4 single trip travel insurance plans and 4 multi-trip/annual plans in Indonesia. These plans have a blend of medical benefits and trip expenses coverage. Allianz Travel is able to help over 70 million people each year protect against unexpected trip interruptions.
Types of Indonesia Travel Insurance Plans
Travelers in Indonesia can select a trip expenses plan, travel medical plan, single trip plan, or an annual/multi-trip plan. Understanding the different types of travel insurance plans available in the market can help you determine which plan offers the benefits you are looking for.
It can take some time to learn how to compare travel insurance plans effectively, so the next few sections should get you started.
Trip Expenses Travel Insurance
Trip expenses travel insurance is the typical package when you hear the term travel insurance. It covers non-refundable trip expenses, such as flights, hotel bookings, and tour packages in case of unexpected cancellations, interruptions, or delays.
It typically includes coverage for:
- Trip cancellation due to illness, natural disasters, and other unforeseen events
- Reimbursement for lost baggage
- Reimbursement for travel delays
- Emergency medical care
- Etc.
This plan can provide either single trip or multi-trip coverage.
Travel Medical Insurance
Travel medical insurance plans provide more comprehensive international medical insurance than simply emergency medical. It is essential for international travelers who may not be covered by their domestic health insurance and especially expect to travel for a long time.
This plan typically includes coverage for:
- Doctor visits
- Hospitalization
- Emergency evacuations
- Sometimes pre-existing medical conditions
- Preventative care
- Outpatient benefits
- Physical and occupational therapy
- Dental care
- Etc.
This plan can provide either single trip or multi-trip coverage.
Single Trip Travel Insurance
Single trip travel insurance is a one-time travel insurance plan designed to cover a specific trip. It is ideal for occasional travelers who do not travel frequently throughout the year. Typically plans must be less than 1 year. If your trip is longer, you should consider long-term insurance.
Single trip plans provide protection for the following incidents for the duration of a single journey:
- Trip cancellations
- Medical emergencies
- Baggage loss
- Other travel-related issues
These plans can either be travel expenses or travel medical benefits plans.
Annual/ Multi-Trip Travel Insurance
Annual travel insurance is designed for frequent travelers who take multiple trips within a year. Instead of purchasing a new policy for each trip, an annual or multi-trip travel insurance plan provides coverage for all trips taken within a 12-month period.
It usually includes benefits such as:
- Trip cancellation
- Medical emergencies
- Baggage protection
- Travel delays
These plans can either be travel expenses or travel medical benefits plans.
Read our analysis of the best annual travel insurance plans here.
How a Broker Can Save You Money on Travel Insurance
Brokers can save travelers time and money by aiding in the research and comparison process and by using their market knowledge to find you the best deals available. Travelers heading to Indonesia should purchase their insurance plans through a broker instead of directly from the insurance company.
Here are some benefits travelers get from using an insurance broker:
- You get access to more insurance choices.
- You get experienced insurance experts researching your situation for you.
- You get access to the most cost-effective plans available.
- You get assistance when submitting claims for reimbursement.
- You get expert advice designed to help you find the right plan for you, not to be led to the plan an insurance agent wants you to choose.
There are many more benefits to using a broker, and Pacific Prime is your broker of choice. Let us help you find the right Indonesia travel insurance plan for your budget and needs. Contact us to learn more!
Frequently Asked Questions
Do I need travel insurance to go to Indonesia?
Travel insurance is not required to enter Indonesia, but it is recommended. It can cover medical emergencies, trip cancellations, lost baggage, and unexpected incidents, ensuring a stress-free trip. Given Indonesia’s remote islands and potential health risks, insurance provides travelers security.
Is insurance mandatory to travel to Indonesia right now?
Travel insurance is not mandatory for visiting Indonesia as of 2025. Some travel restrictions and requirements may change based on health advisories or specific visa conditions. While it’s not a legal entry requirement, having travel insurance is strongly advised to cover unforeseen circumstances.
Is it worth it to get travel insurance to go to Indonesia?
Travel insurance is worth it when visiting Indonesia because medical care can be costly, and certain areas may lack adequate healthcare facilities. Insurance helps cover medical emergencies, evacuations, and theft, plus trip cancellations for natural risks, such as earthquakes and volcanoes.
Which insurance company has the best travel insurance in Bali?
Several top insurance providers offer comprehensive coverage for Bali, including Allianz, VUMI, and GeoBlue. The best choice depends on your needs, adventure activities, medical coverage, or trip cancellation. Comparing plans based on coverage, cost, and customer reviews can help find your policy.
Is Indonesia considered safe to visit right now?
Indonesia is generally safe for tourists, but travelers should remain cautious. Petty crime, natural disasters, and occasional political unrest can pose risks. Popular destinations like Bali and Jakarta are relatively secure, but always check travel advisories before departure.
Conclusion
It can be overwhelming to know which travel insurance plan to pick for your tip to Indonesia. This article has explained 6 tips you can use to find the right plan for your individual trip needs and itinerary. We’ve also introduced the top 6 travel insurance providers and the various types of travel plans.
If you’re ready to begin comparing travel insurance quotes, we recommend contacting one of our insurance brokers.
If you’re not set on traveling to Indonesia or want to tour other countries while in the area, read our Best Travel Insurance In Bangkok: Meet The Top Providers and A Guide to Getting the Best Travel Insurance in Bali.
If you’re interested, you may also want to read our articles:
- Living Abroad in Indonesia for Expats and Digital Nomads
- Best Hospitals in Indonesia for Expats and Visitors – Recommended Options
- Guide to Getting the Best Travel Insurance in Bali
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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