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What is the best travel insurance for Indonesia? – Price and coverage

What is the best travel insurance for Indonesia? – Price and coverage
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Buying travel insurance for Indonesia may not be the first thing on your mind as you’re planning your trip to this exciting locale, but it’s definitely something you should be thinking about.

Some other questions on your mind might be: Do I need any vaccinations for Indonesia? Is Indonesia safe for tourists to visit?

Best travel insurance for Indonesia girl sick in lombok

Well, never fear! In this article, we will answer your questions on vaccinations for Indonesia and is Indonesia dangerous for tourists, as well as tell you all about the best travel insurance for Indonesia and Indonesia travel insurance requirements.

We cannot recommend getting travel insurance for Indonesia enough! When I decided to take a Southeast Asia trip, the first thing I did was buy insurance. I didn’t have to use it, but Ascen had to when she was bitten by a monkey during her 7-day Bali itinerary. Luckily, because she had travel insurance for Indonesia, the incident remains a funny anecdote rather than a terrifying cautionary tale.

Also, one of my closest friends got into an accident while riding a scooter in Bali, but, fortunately, he was covered by his travel insurance for Indonesia too.

how dangerous is indonesia for tourists

These two experiences made me realize that I would never want to travel to Indonesia without insurance. In this article you will find:

What is the best travel insurance for Indonesia?

When you’re buying your travel insurance for Indonesia, of course, you’ll want to make sure you’re buying the best of the best! Well, we’ve got you covered!

The best travel insurance for Indonesia is, by far, World Nomads. This Indonesia travel insurance is the only one that covers some of Indonesia’s most popular activities, such as surfing, diving, snorkeling, riding a scooter, and hiking some of Indonesia’s majestic volcanoes.

comparison of the best travel insurance providers in indonesia cost

In addition, World Nomads has a travel insurance policy for Indonesia that covers the most activities and situations for the same reasonable price, as we’ll see in our comparison of the best travel insurance in Indonesia 2019 later on in this article.

Depending on the activity or activities you decide to do, you will need either a basic plan or an upgrade. World Nomads has two different plans: the Standard and the Explorer.
Both plans cover the same activities, but the amount of coverage is higher for the Explorer plan. Once you select your plan, you have to say which activities you’re planning to do, and the activities you select will increase the cost.

Below you can find a few examples of activities in Indonesia that are only covered by World Nomads:

Travel insurance for hiking volcanoes in Indonesia

You may be wondering about travel insurance Indonesia for volcanos. Hiking up to 2,000 meters is included in your World Nomads plan, so if you’re planning to visit Mt. Batur, you’re covered. Hiking the Mt. Batur is definitely the best tour in Bali.

volcano batur sunset hike

However, if you plan to visit the Rinjani volcano in Lombok, you’ll need the upgrade for hiking up to 6,000 meters. Buy your Indonesia travel insurance so it includes the upgrade if you need it!

Best travel insurance for surfing in Indonesia

If you’re looking forward to catching some waves while in Indonesia, you may be wondering what the best travel insurance for surfing in Indonesia is. World Nomads standard plan is fit for almost all of your surf travel insurance Indonesia needs and covers: surfing, kite surfing, surf boat rowing, stand up paddle surfing, and windsurfing (inland or coastal waters within 3 nautical miles only).

surfing travel insurance for indonesia best companies

However, if you plan on windsurfing beyond 3 nautical miles, you’ll need to purchase an upgrade.

Best travel insurance for diving in Indonesia

If you are looking for travel insurance for Indonesia that covers diving, this is also included in  World Nomads insurance.

best travel insurance for diving in indonesia coverage

Snorkeling is included in their standard plan. Scuba diving up to 30 meters is included as well but only if you have the appropriate diving qualification or are diving with a qualified instructor.

However, scuba diving up to 40 meters requires an upgrade, even if you are properly qualified.

Get covered for riding a scooter in Indonesia

You can also get your Indonesia travel insurance for riding a scooter in Indonesia with World Nomads!

scooter rental travel insurance coverage and price

You may be wondering: Is Indonesia dangerous for tourists? If you try to ride a scooter for the first time ever, then, yes, it probably is! Luckily, World Nomads will cover any medical costs you incur if you have an accident in Indonesia.  However, World Nomads insurance is not rental vehicle insurance, meaning they won’t cover any damage caused to the scooter, so you’ll have to purchase rental vehicle insurance from the company that you rent your scooter from.

Additionally, you need a valid license that allows you to drive a scooter.

Read your travel insurance policy for Indonesia very closely to make sure that you’re covered for every activity you plan to do. You’ll want to have great travel insurance coverage for Indonesia. If you want to learn about travel insurance for other countries, check out our article on Best international travel insurance.

Compare travel insurance for Indonesia

As you could see, World Nomads is the best travel insurance for Indonesia because it covers almost every activity you could possibly plan to do on your trip. However, it is not the only reason. It covers the most for the same price than other travel insurance companies for Indonesia.

To show you that, we have done a comparison of the best travel insurance companies for Indonesia, where you will see how the coverage of World Nomads is very high for the same premium.

In order to compare the best Indonesia travel insurance, we’ve used the example of a 30-year-old Australian visiting Indonesia for two weeks. Take into account that coverage and price will depend on your nationality, age, etc.

 

WORLD NOMADS STANDARD

IMG ITRAVELINSURED SE

ATLAS INTERNATIONAL

ALLIANZ ONE TRIP BASIC

COMPARE BEST TRAVEL INSURANCE FOR INDONESIA

Price

$69

$63

$25.5

$71

Emergency Medical

$5,000,000

$150,000

$1,000,000

$10,000

Evacuation & Repatriation

$500,000

$500,000

$1,000,000

$50,000

Trip Cancellation

$3,500

$50,000

-

$2,000

Trip Interruption

$2,500

150% of trip cost

$10,000

$2,000

Trip Delay

$500

$500

$100

$300

Baggage Loss

$1,000

$1,500

$1,000

$500

Baggage Delay

$300

$250

-

$200

Accidental Death

$12,500

$25,000

$25,000

-

Loopholes

Customer Service is sometimes overloaded

Customer Service sometimes is overloaded

No 24/7 support. You need to mail the claims to be covered

Insurance doesn't pay up front. You need to make a claim to be reimbursed

Which is the best travel insurance company for Indonesia?

As you can see from this chart for comparing travel insurance for Indonesia, World Nomads Standard has the best medical coverage by far.

The second insurance we like the most is IMG iTravelInsuredSE, but if you’re considering buying this insurance, purchase it through Insuremytrip. This Indonesia travel insurance comparator will help you compare travel insurance policies for Indonesia and give you the best price. Best of all, they provide you with a service called “Anytime Advocates,” which will help you file a claim if you need to, so there’ll be no need to wonder: How do I file a travel insurance Indonesia claim?

If you’re looking for a cheap travel insurance for Indonesia, Atlas International could be a good option. However, keep in mind that it doesn’t offer 24/7 support. You can also buy this plan through Insuremytrip.

Finally, the Allianz One Trip Basic coverage is not enough for traveling to Indonesia. I wouldn’t even consider buying this plan.

Is travel insurance mandatory for Indonesia?

You’re probably asking yourself: Is travel insurance mandatory for Indonesia?

The answer is: no, travel insurance is not mandatory. It’s completely optional, but you should really think twice before visiting Indonesia without travel insurance.

The cost for the Indonesia travel insurance varies but it’s always cheaper to buy travel health insurance for Indonesia than to spend a day in a hospital in Indonesia and pay for it out of your own pocket.

best travel insurance company for indonesia

Do I need travel insurance for Indonesia? The bottom line is YES! It will save you money in the long run and give you the peace of mind that comes with knowing you’re covered in just about any medical situation.

Is Indonesia safe?

Is Indonesia dangerous for tourists? I wouldn’t say so, but there are a few things you should take into account:

  • Indonesia is in the Ring of Fire, which is home to a lot of volcanic and seismic activity. They don’t happen every day, but there can be earthquakes and tsunamis in Indonesia. That’s why it’s so crucial to have travel insurance for Indonesia that covers medical repatriation and rescue.
  • In most major cities in Indonesia, tap water is non-potable. Stick to drinking bottled water to avoid any gastrointestinal issues. However, fruits and vegetables that are washed in tap water, ice, and practically any food could be contaminated. Make sure you have travel insurance for Indonesia in case you experience any tummy upset and get sick in Indonesia.
  • Indonesian drivers can drive pretty aggressively, as I experienced during my 10-day Bali itinerary. If you rent a scooter, always wear your helmet and have the number for your insurance on hand just in case you get injured in Indonesia.
  • There’s no risk for malaria in major cities, but do be careful if you visit rural regions, such as Riau, Jambi, Papua, Borneo, and Nusa Tenggara.
  • Terrorism isn’t very common in Indonesia. However, if you visit some of the less touristy islands, there may be an increased risk of a terrorist attack. We suggest you not visit Central Sulawesi, Papua, the Maluku Islands, and other small islands in the Celebes Sea.

Anyway, Indonesia is a pretty safe place for tourists to visit, especially compared to many other countries. If you stick to the touristy islands and you have your travel insurance for Indonesia, you should be fine!

Vaccinations for Indonesia

Vaccinations for Indonesia aren’t mandatory. If you’re traveling from the US, make sure all your vaccines are updated. If you’re traveling from the UK or Australia, it’s the same idea: make sure you’re up to date on all your vaccines and boosters.

However, always do research before you leave and make sure there aren’t any injections for Indonesia or other health items you need before you go.  For instance, a lot of people may be wondering: Do you need to take malaria tablets for Indonesia? The answer will depend on what your particular country recommends.

best beaches in indonesia

If you’re an American, check out the U.S. Department of State website for information on travel to Indonesia. If you’re from the UK, have a look at Travel Health Pro for all the information you’ll need. Finally, if you’re Australian, consult the Department of Foreign Affairs and Trade website for more information.

Most importantly of all, get Indonesia travel insurance, so if you get sick in Indonesia, you’re covered no matter what.

Most Common Accidents in Indonesia

Surprisingly, malaria and earthquakes aren’t that common. There are lots of other little things you need to consider when traveling to Indonesia. Here are some common accidents that will make you glad you bought your travel insurance for Indonesia:

  • Falling ill from drinking tap water (also known as Bali Belly!)
  • Having an accident while driving a scooter
  • Getting bitten by a mosquito or another insect
  • Heatstroke
  • Getting injured from surfing in a reef
  • Maybe even getting a cold from the intense AC on every bus!

You could experience an emergency in Indonesia like this, and if you aren’t covered with great travel insurance for Indonesia that also includes health insurance for Indonesia, you could be all out of luck!

That’s why we’re here to help you find the best travel insurance for Indonesia.

Healthcare in Indonesia

In terms of Indonesian healthcare, most major cities now have medical facilities that are specifically catered toward tourists and expats. These facilities aren’t as cheap as local places, but they offer really great healthcare, so they’re worth using. They can also send you to the best Indonesian hospitals and doctors, and can even liaise with your insurance company if you need to be evacuated.

These facilities are especially useful because most local healthcare isn’t really up to international standards. If you travel outside of major cities to rural areas, it will be much more difficult to find good healthcare facilities.

evacuation tsunami indonesia insurance coverage

Medical care in Indonesia is still relatively cheap compared to much of the world, but if you don’t have travel health insurance for Indonesia and you need to be evacuated, you could incur a bill of more than $100,000. That’s why in Indonesia you need travel insurance. If an accident happens, you’ll want to be covered so that you don’t have to pay an obscene amount of fees out of your own pocket.

How much does Indonesia travel insurance cost?

Now that you know the best travel insurance for Indonesia, you’re probably thinking: How much does Indonesia travel insurance cost?

We’ve made a handy chart down below to help you check the price of travel insurance for Indonesia plans. Our example is a 30-year-old Australian. The final price will depend on many factors, including your country of residence, your age, and the length of your trip.

 7 DAYS15 DAYS30 DAYS3 months1 year

HOW MUCH IS TRAVEL INSURANCE FOR INDONESIA?

World Nomads Standard

$50

$69

$122

$306.5

$603

World Nomads Explorer

$59.5

$85.5

$138

$435

$733

Insuremytrip (IMG ITRAVELINSURED SE)

$63

$63

$63

-

-

Insuremytrip (IMG iTravelInsured LX)

$116

$116

$116

-

-

Atlas International

$11.9

$25.5

$51

$154.7

$618.8

As you can see, World Nomads is definitely the best travel insurance for long trips. Remember that Atlas International doesn’t include 24/7 assistance, but if that’s fine by you, then that would be the best cheap travel insurance for Indonesia for a short trip.

IMG is also a great option, but please consider buying it through Insuremytrip to get their best Indonesia travel insurance quote and take advantage of the “Anytime Advocates” service that will help you if you need to file a claim. Besides the iTravelInsured plan, IMG has many other options for people traveling on long-term trips and offers insurance for a lower price if you don’t want coverage for things like trip delays, baggage, etc. (This could be a great option if you’re not too worried about these things and want to decrease the cost of your travel insurance for Indonesia.)

What’s Covered With Travel Insurance to Indonesia?

These are the things you’ll need to check in your travel insurance to Indonesia policy to know that you have enough coverage:

  • Medical expenses: I wouldn’t even consider any policies with less than $150,000 worth of coverage.
  • Activities covered: Check that all of the fun and sporty activities you want to do in Indonesia are covered by your travel insurance.
  • Evacuation and repatriation: Make sure you’re covered up to at least $500,000.
  • Advance payment: Ask if you need to pay anything in advance.
  • Natural disasters: Since there is the potential for a natural disaster in Indonesia to affect you, make sure your travel insurance for Indonesia covers you if there is an earthquake or a tsunami.
  • Trip cancellation, interruption, or flight delay: If these are issues you’re worried about, make sure you’re covered.
  • Lost luggage and theft: It can happen to anyone at any time, so check that your travel insurance for Indonesia coverage includes these situations.

How to Buy Indonesia Travel Insurance

Now that you know you need travel insurance for Indonesia, you’re probably wondering: How do I buy it?

Luckily, we’ve prepared a step-by-step guide for you below to help you get an instant Indonesia travel insurance quote.

World Nomads Travel Insurance Quote for Indonesia

We’ll start off with World Nomads!

best travel insurance travel blog Capture the Atlas
  1. Head to worldnomads.com.
  1. Scroll down to the bottom of the homepage and put in your details: the countries/regions you’re traveling to, your home country, the dates of your trip, and your age.

World nomads travel insurance for indonesia form

  1. Click “Get a Price.”
  1. You’ll see your quote for the “Standard” and “Explorer” plans. Scroll down for more information on each plan.

travel insurance for indonesia world nomads coverage for australian

  1. Decide on the plan you want to buy and click on it: either “Buy Standard” or “Buy Explorer.”

price travel insurance for indonesia world nomads

  1. Select any valuables you’re planning to take, and type in any sports/activities you’re planning on doing. Submit these details.

add electronic coverage to your travel insurance for inddonesia

travel insurance for indonesia adventure sport

  1. Fill in your personal details and payment information, and submit it. Done!

IMG Travel insurance quote via insuremytrip

Now, let’s get a travel insurance quote for IMG iTravelInsured SE through Insuremytrip!

  1. Head over to insuremytrip.com.

insure my trip best indonesia travel insurance comparator

  1. Type in the country/countries where you’re traveling and click “Start a Quote.”
  1. Put in your travel dates, age, citizenship, and residence, and click “Next.”
  1. Type in your total trip cost and the date your first deposit was made (optional), and click “Next.”
  1. Choose everything you’re planning to do on your trip. Then click “See Plans & Prices.” For our example, we just selected “Taking a flight” and “Staying in a hotel or resort.”

travel insurance for indonesia is mandatory

  1. IMG’s plan might not be listed in the first few plans, so scroll down and click “Go to all 36 comprehensive plans.
  1. Find IMG iTravelInsured SE and click “Buy this plan.”

comparison travel insurance for indonesia with insuremytrip

  1. Fill in the personal details and payment information.
  1. Submit everything. You’re all done!

What to do if you have an emergency in Indonesia

First of all, before you go, buy a travel insurance plan for Indonesia. That way, if an emergency does happen while you’re in Indonesia, you’ll be all set.

Since you’ll have already bought your travel insurance plan for Indonesia, stay calm.

Call your insurance provider, and ask where you should go. If it’s an emergency situation where hospital admission and/or medical evacuation is required, World Nomads covers these costs upfront so you don’t have to worry about a thing. However, if you don’t contact your insurer, you can also pay upfront and make your Indonesia travel insurance claim with them later.

In case you are not traveling with World Nomads, buy your insurance through Insuremytrip and they will help you to make the claim making things easier than if you buy directly IMG or Atlas International.

Let’s us know at the comment section if you have any question regarding your travel insurance for Indonesia!

TEXT and photography Dani

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