Purchasing travel insurance for Indonesia should be at the top of your list of things to do before you travel. Baggage delays, flight cancellations, and illnesses are actually fairly common occurrences while traveling, so it’s smart to be prepared by having Indonesian travel insurance.
Best Travel Insurance for Indonesia – Price & Requirements
Personally, we use Heymondo insurance for all of our trips. They’ve provided our travel insurance coverage for years, and we’ve had nothing but great experiences with their team. (You can read our review of Heymondo to find out more.) Best of all, you can even get a discount on their insurance just for being a Capture the Atlas reader.
Of course, there are plenty of other great Indonesia travel insurance plans, which I’ll cover below. Most importantly, all the plans I’ll talk about are travel insurance plans with COVID-19 coverage. This guide to the best travel insurance for Indonesia contains everything you need to know, including:
- Is travel insurance mandatory for Indonesia?
- Indonesia travel insurance cost
- Best travel insurance for Indonesia
- Do I need travel insurance for Indonesia?
Ready to learn more about Indonesia travel insurance? Just keep reading!
Is travel insurance mandatory for Indonesia?
Having travel insurance for Indonesia is not currently a requirement to enter the country. However, just because Indonesian travel insurance isn’t mandatory doesn’t mean purchasing some isn’t a good idea.
Is travel insurance mandatory for Indonesia?
In fact, buying Indonesia travel insurance ensures that you’ll have coverage if you fall ill, miss a flight, lose your luggage, and more. Having travel health insurance coverage is especially important, since receiving medical treatment in Indonesia without insurance can leave you with a hefty bill to pay out of pocket (I learned this from personal experience, as you’ll find out). That’s why, ultimately, travel insurance is worth having.
Indonesia travel insurance cost
Your age, nationality, and the length and cost of your trip will all affect the price of your Indonesian travel insurance. As such, if you’re interested in getting cheap travel insurance, taking a shorter trip and spending less on trip costs will save you some money.
To give you an idea of how much Indonesia travel insurance costs, I’ve used the example of a 30-year-old American from Pennsylvania who is traveling to Indonesia for a week and whose trip costs $2,500 to generate quotes from four companies.
Price | $38.18 | $10.50 | $66.91 | $77 |
Deductible | $0 | $250 | $0 | $0 |
COVID-19 Coverage | Yes | Yes | Yes | Yes |
Emergency Medical Expenses | $250,000 | $250,000 | $100,000 | $150,000 |
Trip Cancellation | $3,500 | Not covered | $2,500 | 100% of $2,500* |
Evacuation & Repatriation | $500,000 | $100,000 | $300,000 | $500,000 |
Baggage Loss | $1,700 | $3,000 | $1,000 | $1,500 |
COMPARE BEST TRAVEL INSURANCE FOR INDONESIA |
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*price used for example
As you can see from the chart above, Heymondo is the best overall option for travel insurance to Indonesia. On the other hand, if you want to save money or just need travel health insurance, SafetyWing is another fantastic choice. Of course, all four of these Indonesian travel insurance plans have their merits, so you can’t go wrong with any of them.
1. Heymondo, the best Indonesia travel insurance
Heymondo has emerged as one of the best travel insurance companies for good reason. Their travel insurance for Indonesia boasts the best travel- and medical-related coverage of all the plans I compared. Moreover, even with this high amount of coverage across all categories, the Top plan is still extremely affordable.
Best of all, you’ll never have to file a claim to get reimbursed for medical expenses. Instead, the Heymondo team will arrange payments directly with the medical center, so you won’t have to pay anything out of pocket. On top of that, the Top plan’s $0 deductible means 100% of your medical costs will be covered by Heymondo.
If you’d prefer to save a little money or just want travel health insurance for Indonesia, SafetyWing is your best bet. Otherwise, Heymondo is by far the best overall option for Indonesia travel insurance.
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We have used Heymondo for years and they always provide the best customer service. You can get a discount for one of their policies just for being our reader.
2. SafetyWing, a great travel health insurance for Indonesia
If you’re looking for travel medical insurance for Indonesia, there’s no better option than SafetyWing. Not only will you benefit from an extremely affordable plan with top medical coverage, but you’ll also enjoy worldwide coverage.
Even better, if you decide to keep traveling, you can easily extend your plan and choose to have it automatically renew every month while you’re abroad. You’ll also have some limited travel-related coverage, including trip interruption and travel delay coverage, but the coverage won’t be as comprehensive as it is with an Indonesian travel insurance plan like Heymondo’s.
Additionally, SafetyWing’s Nomad Insurance plan has a $250 deductible for medical expenses. This means you’ll have to pay $250 toward any medical bills you incur before SafetyWing covers the remaining balance. As such, it may be worth paying a little more upfront for Indonesian travel insurance so you can have a $0 deductible.
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3. World Nomads, a top Indonesian travel insurance for adventurers
While World Nomads’ Standard plan offers solid Indonesian travel insurance coverage, its main appeal is its adventure activities and sports coverage. If you’re planning on having an active trip filled with diving, surfing, and more, this travel insurance to Indonesia is a must-buy.
The Standard plan also provides good coverage in all medical- and travel-related coverage categories. It even offers a $0 deductible for medical expenses. However, you can get higher amounts of coverage in all categories for a lower price with Heymondo.
Because of this, I only recommend purchasing World Nomads’ travel insurance for Indonesia if you know you’ll be doing lots of sports and activities.
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4. IMG, a reliable travel insurance to enter Indonesia
IMG is a travel insurance company that many travelers trust for everything from Cancel for Any Reason travel insurance and travel insurance for pre-existing conditions to trip cancellation insurance. As you might expect, their travel insurance for Indonesia is just as reliable as their other plans and provides a more-than-sufficient amount of coverage in all categories.
The $0 deductible for medical expenses is also a plus. Still, the IMG iTravelInsured SE plan is the most expensive of all the plans I compared, so it’s not the best choice for travelers who are trying to save money. However, the good news is that you can get even a higher amount of coverage for a lower price with Heymondo.
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Indonesia travel insurance requirements
If you’re planning to purchase travel insurance for Indonesia, there are a few types of coverage your plan should include.
Emergency medical expense coverage is the most important type of coverage for any insurance plan. Of course, no one wants to get injured or fall ill while they’re traveling, but that doesn’t mean it can’t happen. Similarly, having COVID-19 coverage is key since quarantine meal and accommodation costs can add up quickly.
Indonesia travel insurance requirements
You should also ensure that you have evacuation and repatriation coverage. That way, your transportation fees will be covered if you need to be sent back to your home country for medical treatment or for political reasons.
Trip cancellation, trip interruption, trip delay, and baggage coverage are less crucial insurance features overall. Still, if they’re important to you, look for Indonesian travel insurance with a high amount of travel-related coverage.
Do I need travel insurance for Indonesia?
As I’ve already mentioned, there’s no entry requirement to have travel insurance for Indonesia. Even so, it’s always a good idea to have travel insurance – I know from firsthand experience!
I was on a 7-day trip to Bali and visited the Sacred Monkey Forest in Ubud. There, I let one of the monkeys climb on me, and unfortunately, it bit me! Luckily, I had travel insurance for Bali, so all of my medical bills were covered. Otherwise, my medical treatment would have cost me a pretty penny.
Do I need travel insurance for Indonesia?
Now, I’m not saying that you’ll also get bitten by a monkey when you visit Indonesia (I really hope not!), but my story is a great reminder that unexpected things can happen anytime while you’re traveling. That’s why it’s safest (and smartest for your wallet!) to purchase Indonesia travel insurance.
Heymondo is the best choice for most travelers since it’s affordable and offers fantastic travel- and medical-related coverage.
Another excellent option, particularly if you just need medical coverage, is SafetyWing. Either way, as long as medical expenses, COVID-19, and repatriation are covered by your Indonesian travel insurance, you’ll be all set for an amazing trip.
Hi , I’m Indonesia citizen but now I follow my husband traveling for a while. So I’m looking for insurance for medical and travel included. The question is do u HV insurance who can cover medical and travel for Asia ,thx u
Hi!
Yes, You can get the Heymondo insurance if you’re Indonesian and it will cover medical and travel expenses while you’re traveling abroad.
Ascen
4/11/22
Hello,
I’m Shernell Marie Horne and would like to go over my travel insurance to Spain with you. However; have just one more stop to make before of going back to the United States. I would like to add another country plus get an extension on my insurance going to Jerusalem looking moore over there for my families.!
Hi Shernell,
We’re not an insurance company but a travel blog comparing different options. Please make sure you select global coverage when booking your insurance so you make sure you’re covered in Spain and Jerusalem.
Let me know if you have any questions,
Ascen