What are the Best Travel Insurances for Indonesia in 2025?
- The best travel insurances for Indonesia
- Is it currently safe to travel to Indonesia?
- Is travel insurance required for a visa to Indonesia?
- Why take out travel insurance for Indonesia?
- What coverage is included in travel insurance for Indonesia?
- The cost of travel insurance for Indonesia
- How to Pay Less for Your Travel Insurance to Indonesia
- Can I rely on my current insurance to cover me in Indonesia?
- FAQ
Travel insurance for Indonesia: key takeaways
1. Definition: Travel insurance for Indonesia covers medical emergencies, trip cancellation, and lost baggage during your trip.
2. Key protection: Insurance is not mandatory for US citizens but is highly recommended for financial protection abroad.
3. Healthcare cost: Private healthcare is expensive; a hospital stay can cost over $500 per night for foreigners.
4. Price: A one-week travel insurance plan for Indonesia typically costs between $30 and $60.
5. Good to know: Ensure your policy covers adventure activities like scuba diving, surfing, or volcano trekking if you plan to take part in them.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Indonesia.
The best travel insurances for Indonesia
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Top choice for travel to Indonesia. - high medical reimbursement - evacuation covered - strong policy terms |
| Cap Assistance 24/24 | $1.1M | Suits travelers needing support day or night. - 24/7 emergency helpline - strong cancellation cover - no deductible |
| Tourist Card | $0.5M | Practical and affordable for tourism in Indonesia. - solid medical limits - emergency assistance - fits short-term stays |
| Travel Pass Monde | $0.8M | Balanced contract for frequent travelers. - hospital care included - repatriation covered - wide coverage area |
| Globe Partner | $0.3M | Good option for budget and long stays. - essential health cover - includes civil liability - easy claims process |
| Globe Traveller | $0.5M | Basic coverage for simple or low-risk trips. - covers key medical needs - smooth reimbursements - clear ceiling |
- high medical reimbursement
- evacuation covered
- strong policy terms
- 24/7 emergency helpline
- strong cancellation cover
- no deductible
- solid medical limits
- emergency assistance
- fits short-term stays
- hospital care included
- repatriation covered
- wide coverage area
- essential health cover
- includes civil liability
- easy claims process
- covers key medical needs
- smooth reimbursements
- clear ceiling
Is it currently safe to travel to Indonesia?
As of June 2025, the US Department of State advises increased caution when traveling to Indonesia due to persistent safety and natural disaster risks. Travel is not discouraged for most of the country, but certain areas are subject to stronger warnings.
Here are their four main recommendations.
- Security risks: Terrorism and civil unrest remain concerns, with active threats in Central and Highland Papua provinces. Attacks have targeted tourist locations, markets, and places of worship in cities like Jakarta and Bali.
- Health risks: Mosquito-borne illnesses such as dengue, malaria, and Zika are widespread. Medical care is below US standards outside major cities, and evacuation in an emergency can be difficult and costly.
- Legal constraints: Some prescription medicines legal in the US, including ADHD treatments, are banned in Indonesia. Violations can result in arrest, so check regulations before carrying medication.
- Environmental hazards: Natural disasters such as earthquakes, tsunamis, and volcanic eruptions occur frequently; Indonesia experiences over 4,000 earthquakes per year. Travelers should monitor local news and be prepared to adjust plans quickly.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Indonesia.
Is travel insurance required for a visa to Indonesia?
No, travel insurance is not mandatory for travelers from the United States to obtain a visa or enter Indonesia for tourism purposes.
Despite not being a requirement, travel insurance is highly recommended due to the risks related to health, natural disasters, and regional security. Medical care in Indonesia is often below US standards outside major cities, and you may face costly medical evacuation or unforeseen expenses without adequate protection.
According to our data, 80% of travelers purchase travel insurance before going to Indonesia because of the country's exposure to serious health risks, frequent natural disasters, and the potential for expensive medical care or evacuation.
Why take out travel insurance for Indonesia?
It is an essential financial and medical protection for anyone going to Indonesia.
In Indonesia, foreigners often need to use private hospitals like Siloam Hospitals in Jakarta and Bali, as public facilities outside major cities can lack modern equipment and English-speaking staff. Costs in private clinics are high, and advanced care or emergency evacuation is not covered by US insurance, making payment upfront necessary.
Travel insurance covers medical expenses, hospitalisation, medication, ambulance transportation, and emergency repatriation to the US in case of a serious incident.
Here are some examples of healthcare costs in Indonesia.
| Example of medical treatment | Cost at Siloam Hospitals | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 23,000,000 IDR (about $1,430) | Up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 17,000,000 IDR (about $1,060) | Up to 100% |
| I need to be repatriated | 420,000,000 IDR (about $26,000) | Up to 100% |
| I have appendicitis (consultation and surgery) | 54,000,000 IDR (about $3,370) | Up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What coverage is included in travel insurance for Indonesia?
Here is a summary table of the main coverages you should look for in a travel insurance policy for Indonesia.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor's fees, hospital stays, and prescribed medications in case of accident or illness. Recommended limit: at least $100,000 due to limited care outside Jakarta or Bali and possible need for private clinics. |
| ✈️ Trip cancellation | Reimburses prepaid, non-refundable travel costs if you cancel for a covered reason. Recommended limit: $3,000–$5,000 per person to reflect average trip costs to Indonesia. |
| 🚑 Medical evacuation | Pays for air ambulance or emergency evacuation to the US or nearest facility. Due to frequent natural disasters, choose at least $250,000 evacuation coverage. |
| 🦟 Infectious diseases | Includes hospital and treatment costs after contracting tropical diseases like dengue or malaria. Choose a policy with at least $50,000 for infectious diseases. |
| 🧳 Baggage and valuables | Refunds you if your bags are lost, stolen, or delayed. Recommended limit: $1,500–$2,000 for baggage, electronics, and personal effects. |
| 🏖️ Personal liability | Protects you if you cause accidental injury or damage and are held legally liable. Minimum recommended: $100,000. |
| 🚗 Adventure sports | Covers injuries from diving, surfing, or other risky activities common in Indonesia. Check if sports are covered, with limits of at least $50,000. |
| 📞 24/7 assistance | Provides a helpline for emergencies, translation, and help finding authorized clinics. Essential for emergencies at any hour or outside major cities. |
Recommended limit: at least $100,000 due to limited care outside Jakarta or Bali and possible need for private clinics.
Recommended limit: $3,000–$5,000 per person to reflect average trip costs to Indonesia.
Due to frequent natural disasters, choose at least $250,000 evacuation coverage.
Choose a policy with at least $50,000 for infectious diseases.
Recommended limit: $1,500–$2,000 for baggage, electronics, and personal effects.
Minimum recommended: $100,000.
Check if sports are covered, with limits of at least $50,000.
Essential for emergencies at any hour or outside major cities.
Travel insurance included with bank cards or local providers usually covers only small amounts with many exclusions. It is safer to choose a trusted insurer with complete coverage. We recommend you compare the best options on HelloSafe and subscribe online to receive your certificate instantly.
The cost of travel insurance for Indonesia
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $32 |
| 2 weeks | 45 years old | $55 |
| 1 month | 35 years old | $75 |
| 1 month | 70 years old | $155 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your travel insurance policy is determined by several key factors. These include the traveler's age, the duration of your trip, your destination, the amount of coverage, and any optional add-ons like trip cancellation. Keeping these in mind is essential to finding the right plan for your budget and travel needs.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to Pay Less for Your Travel Insurance to Indonesia
Here are some suggestions to optimize the cost of your travel insurance to Indonesia while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🧑💼 Traveler’s age | Age significantly impacts price, especially as risks rise for older travelers. | Heymondo does not increase its prices for people over 62, making it a smart choice for seniors. |
| 🧳 Trip duration | Premiums increase with longer travel periods. Shorter trips reduce risk and insurer liability. | Match your coverage period exactly to your trip dates to avoid paying extra for unused days. |
| 🏥 Level of coverage | Higher medical limits and more benefits mean higher premiums, vital for costly emergencies. | Choose a plan with essential health coverage only, especially if you skip extreme sports or valuables protection. |
| 🌏 Geographical area | Some policies offer worldwide or regional coverage with variable pricing. Indonesia-specific plans are often less expensive. | Select a plan that covers only Indonesia and Southeast Asia rather than global coverage for better pricing. |
| 👨👩👧👦 Number of travelers | Family and group rates are often lower per individual. | Look for family or group discounts, or multi-policy bundles, to lower costs if traveling with others. |
| 🏄♂️ Planned activities | Risky activities, such as diving or trekking, increase costs. | Avoid unnecessary add-ons for extreme sports unless absolutely needed for your planned itinerary. |
| 💳 Deductible/Excess | A higher deductible will lower your premium, but you pay more in case of a claim. | Choose a deductible amount you can afford to pay if needed. This is often more cost-effective over time. |
Can I rely on my current insurance to cover me in Indonesia?
It is completely legitimate to wonder if your existing coverage, such as credit card insurance or private health insurance, can protect you for your trip to Indonesia. Unfortunately, this coverage is often limited or insufficient. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Indonesia? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No overseas medical coverage except for rare emergencies in the US | Travel insurance covers $100,000+ in overseas medical expenses and full repatriation |
| Private health insurance (Blue Cross, Aetna, Cigna) | Yes, partly | Possibly urgent care abroad, but strict network limits, no evacuation | Travel insurance includes $100,000+ in care, emergency evacuation, and 24/7 support |
| Classic credit card (Visa Classic, Mastercard Standard) | Yes, partly | Medical expenses up to $10,000, no trip cancellation, basic support | Travel insurance covers $100,000+ medical, baggage, trip cancellation, and emergency help |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige) | Yes, partly | Medical up to $100,000, limited delay/baggage coverage | Travel insurance adds $5,000+ trip cancellation, full assistance, and much broader benefits |
Example
After a scooter accident in Bali, John faced a $45,000 bill for surgery and a medical flight. His Chase Sapphire card's travel insurance capped out at $10,000, and his US-based health plan wouldn't cover foreign hospital care. He was stuck paying the remaining $35,000 for a common tourist mishap.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness or death, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to purchase dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Indonesia?
Most U.S. citizens need a tourist visa to travel to Indonesia. You can apply for an Electronic Visa on Arrival (e-VOA) either online before your trip or at designated airports. The e-VOA costs about $35, is valid for 30 days, and can be extended once for another 30 days.
How do I purchase travel insurance for Indonesia?
Start by comparing different travel insurance options using a tool like HelloSafe’s comparison platform. Pay close attention to the guarantees and exclusions, especially considering risks specific to Indonesia, such as natural disasters or medical evacuation. Buy your preferred policy online and you will receive your travel insurance certificate by email.
Are natural disasters covered by travel insurance for Indonesia?
Most comprehensive travel insurance policies cover interruptions or emergency evacuations caused by natural disasters, such as earthquakes or volcanic eruptions. However, it is critical to check whether your specific plan includes these scenarios and if there are exclusions or limits related to certain regions within Indonesia.
What should I do if I need emergency medical care in Indonesia?
If you need urgent medical treatment, seek care at the nearest hospital in major cities where the standard is highest. Contact your insurer’s emergency assistance number immediately, as they may arrange payment and, if necessary, coordinate a medical evacuation to another country.
Does travel insurance for Indonesia cover pre-existing medical conditions?
Coverage for pre-existing medical conditions varies widely between providers. Some policies may include certain stabilized conditions if declared in advance and approved, while others exclude them entirely. Read the terms carefully and consult your insurer to clarify what is covered before purchasing your policy.
Are adventure sports and activities covered by travel insurance for Indonesia?
Many travel insurance policies exclude high-risk activities such as scuba diving, surfing, or volcano trekking unless you purchase an additional sports coverage option. Always check if your activities are listed and explicitly included in the coverage before booking tours or excursions.
Do I need a visa to travel to Indonesia?
Most U.S. citizens need a tourist visa to travel to Indonesia. You can apply for an Electronic Visa on Arrival (e-VOA) either online before your trip or at designated airports. The e-VOA costs about $35, is valid for 30 days, and can be extended once for another 30 days.
How do I purchase travel insurance for Indonesia?
Start by comparing different travel insurance options using a tool like HelloSafe’s comparison platform. Pay close attention to the guarantees and exclusions, especially considering risks specific to Indonesia, such as natural disasters or medical evacuation. Buy your preferred policy online and you will receive your travel insurance certificate by email.
Are natural disasters covered by travel insurance for Indonesia?
Most comprehensive travel insurance policies cover interruptions or emergency evacuations caused by natural disasters, such as earthquakes or volcanic eruptions. However, it is critical to check whether your specific plan includes these scenarios and if there are exclusions or limits related to certain regions within Indonesia.
What should I do if I need emergency medical care in Indonesia?
If you need urgent medical treatment, seek care at the nearest hospital in major cities where the standard is highest. Contact your insurer’s emergency assistance number immediately, as they may arrange payment and, if necessary, coordinate a medical evacuation to another country.
Does travel insurance for Indonesia cover pre-existing medical conditions?
Coverage for pre-existing medical conditions varies widely between providers. Some policies may include certain stabilized conditions if declared in advance and approved, while others exclude them entirely. Read the terms carefully and consult your insurer to clarify what is covered before purchasing your policy.
Are adventure sports and activities covered by travel insurance for Indonesia?
Many travel insurance policies exclude high-risk activities such as scuba diving, surfing, or volcano trekking unless you purchase an additional sports coverage option. Always check if your activities are listed and explicitly included in the coverage before booking tours or excursions.
