- The best travel insurances for Indonesia
- Is it currently safe to travel to Indonesia?
- Travel insurance requirements for Indonesian visas
- Reasons to Get Travel Insurance for Indonesia
- Travel insurance coverage in Indonesia
- The cost of travel insurance for Indonesia
- How to pay less for your travel insurance to Indonesia
- Insurance coverage in Indonesia: What to consider
- FAQ
- On the same topic
Travel insurance for Indonesia: key takeaways
1. Definition: Travel insurance for Indonesia covers emergency medical costs, repatriation, trip interruption, and theft or loss of belongings.
2. Key protection: Insurance is not mandatory for Australian citizens but is vital for medical emergencies and travel disruptions in Indonesia.
3. Price: One week of travel insurance in Indonesia typically costs between AUD 30 and AUD 80, depending on coverage.
4. Good to know: Bali, a popular Indonesian destination, has private hospitals where upfront payment is often required without insurance.
Why trust HelloSafe?
HelloSafe is an international expert in travel insurance comparison, advising more than one million travellers each month. After reviewing 38 travel insurance policies available in Australia, our specialists 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 | 1.6M AUD | Our recommendation for robust travel cover to Indonesia. - high medical limits - repatriation included - covers accident and illness risks |
| Cap Assistance 24/24 | 1.6M AUD | A solid option for shorter Indonesian trips. - 24/7 helpline - medical repatriation - straightforward conditions |
| Tourist Card | 0.8M AUD | Simple and practical for tourists in Indonesia. - strong medical benefits - emergency support - competitive price |
| Travel Pass Monde | 1.1M AUD | A balanced offer for frequent travellers. - hospital treatment covered - repatriation - general emergency care |
| Globe Partner | 0.5M AUD | Designed for international stays with essential protections. - medical expenses - civil liability - outpatient claims |
| Globe Traveller | 0.8M AUD | Affordable options for short trips to Indonesia. - medical cover - basic repatriation - fast application process |
- high medical limits
- repatriation included
- covers accident and illness risks
- 24/7 helpline
- medical repatriation
- straightforward conditions
- strong medical benefits
- emergency support
- competitive price
- hospital treatment covered
- repatriation
- general emergency care
- medical expenses
- civil liability
- outpatient claims
- medical cover
- basic repatriation
- fast application process
Is it currently safe to travel to Indonesia?
As of June 2025, the Australian Department of Foreign Affairs and Trade advises travellers to Indonesia to exercise a high degree of caution due to a range of security and health risks.
Here are their four main recommendations.
- Security risks: terrorism and the threat of attacks remain high across Indonesia, particularly in Jakarta and Bali. Civil unrest can occur suddenly, and violent incidents have taken place during demonstrations, especially near government sites in Jakarta.
- Health risks: dengue fever transmission is on the rise, especially in Bali, and medical facilities often fall short of Australian standards. Access to quality care may be limited in remote areas, and rabies is present, mostly in rural districts.
- Legal constraints: some prescription medications legal in Australia are banned in Indonesia, with penalties for possession. Entry may be refused for travellers carrying damaged passports, including minor tears or water marks.
- Environmental hazards: swimmers face strong rip currents and dangerous surf, with numerous drownings recorded at beaches in Bali and Lombok. Frequent earthquakes and volcanic eruptions may disrupt transport and daily life, especially on Java and Sumatra.
Although not required, travel insurance is strongly recommended by the Australian Department of Foreign Affairs and Trade, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Indonesia.
Travel insurance requirements for Indonesian visas
No, travel insurance is not mandatory for Australian travellers to obtain a visa for Indonesia.
Even though it is not required by law, travel insurance is highly recommended due to the high risk of accidents, expensive medical care, and the possibility of emergency repatriation costs. A policy with strong medical coverage and 24/7 assistance can protect you from unforeseen expenses and difficulties during your trip.
According to our data, 80% of travellers purchase travel insurance before going to Indonesia, mostly because of the high costs and challenges of getting adequate medical treatment in Indonesia.
Reasons to Get Travel Insurance for Indonesia
It is an essential financial and medical protection for anyone going to Indonesia.
Medical costs can be high in Indonesia because public hospitals such as RSUD Dr. Soetomo in Surabaya or RSUD Cipto Mangunkusumo in Jakarta are often overcrowded and not up to Australian standards, especially for emergency care. Foreigners are usually directed to private clinics or international hospitals such as BIMC Hospital Bali, where consultations, admissions, or surgery can be very expensive.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to Australia in the event of a serious incident.
Here are some examples of healthcare costs in Indonesia.
| Example of medical treatment | Cost at BIMC Hospital Bali | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | IDR 16,000,000 (AUD 1,500) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | IDR 12,000,000 (AUD 1,100) | up to 100% |
| I need to be repatriated | IDR 350,000,000 (AUD 33,000) | up to 100% |
| I have appendicitis (consultation and surgery) | IDR 40,000,000 (AUD 3,800) | 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.
Travel insurance coverage in Indonesia
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers hospitalisation, consultations, medicine, and emergencies in Indonesia or nearby countries. Recommended limit: at least AUD 250,000. |
| ✈️ Medical repatriation | Covers emergency transfer to Australia if required. Recommended limit: at least AUD 150,000. |
| 🏨 Hospitalisation | Pays for inpatient care, surgery, and additional accommodation costs. Recommended: at least AUD 100,000. |
| 💊 Emergency pharmacy | Covers prescribed medication required during your stay. Recommended: at least AUD 2,000. |
| 🦽 Personal accident | Pays compensation for accidental injury, disability, or death abroad. Recommended: AUD 50,000. |
| 🧳 Baggage insurance | Compensates for lost, stolen, or damaged baggage on airlines or hotels. Recommended: AUD 4,000. |
| ✋ Civil liability | Covers third party injury or property damage claims. Recommended: at least AUD 1 million. |
| ⏰ Trip interruption | Refunds non-refundable costs if you have to return to Australia for a covered reason. Recommended: AUD 5,000. |
Recommended limit: at least AUD 250,000.
Recommended limit: at least AUD 150,000.
Recommended: at least AUD 100,000.
Recommended: at least AUD 2,000.
Recommended: AUD 50,000.
Recommended: AUD 4,000.
Recommended: at least AUD 1 million.
Recommended: AUD 5,000.
Travel insurance from local providers or bank cards often includes low coverage limits and excludes key protections such as repatriation or high medical expenses. It is safer to select a reputable insurer with full coverage. Compare the best options on HelloSafe and subscribe online to get your certificate instantly.
The cost of travel insurance for Indonesia
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | AUD 38 |
| 2 weeks | 45 years old | AUD 55 |
| 1 month | 35 years old | AUD 76 |
| 1 month | 70 years old | AUD 141 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of travel insurance in Australia is determined by several factors: traveller’s age, length of the trip, destination, level of coverage, and cancellation options. Destinations with higher risks or longer stays can increase the premium. It’s essential to consider these points to make sure you select the best policy and avoid unexpected expenses.
💡 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 |
|---|---|---|
| 📅 Trip duration | Shorter trips are less risky and cost less to insure, especially for non-stop stays in one location. | Only cover the exact dates needed, and avoid adding extra days before or after your real trip. |
| 🧑 Traveller's age | Insurance costs typically rise with age, especially for seniors. | Choose an insurer like Heymondo, which does not increase prices for travellers over 62, to save significantly. |
| 🧳 Level of coverage | Higher reimbursement limits and added guarantees can increase the price. | Choose only essential coverage, such as medical and hospitalisation, and adjust extra options to your real needs. |
| 👪 Travelling as a family or group | Group policies can offer significant discounts compared to buying individual plans. | Look for group or family plans to benefit from lower per-person rates on the same policy. |
| 🚴 Activities planned | High-risk activities, like scuba diving, can increase your premium. | Exclude unnecessary adventure sports if you do not plan these, and check if “leisure activities only” is enough. |
| 🏨 Cancellation cover | Cancelling for any reason increases the price. | Choose the basic or “named events” option if you are confident your trip will go ahead. |
| 🌏 Multi-trip vs single trip | Annual multi-trip policies are only cost effective for frequent travellers. | Consider single-trip insurance if you travel less often, as it is cheaper for occasional journeys. |
Insurance coverage in Indonesia: What to consider
It is completely legitimate to wonder whether your existing coverage, such as credit card insurance or the Australian public health system, can protect you during a 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) | No, never | No overseas medical expenses, no repatriation; only emergency support via local embassy | Travel insurance covers AUD 250,000+ for medical care, hospital, and emergency evacuation |
| Private health insurance | Yes, partly | Some policies may reimburse limited overseas medical costs up to AUD 10,000; no baggage or cancellation | Travel insurance includes up to AUD 1 million for medical, plus trip cancellation and lost luggage |
| Classic credit card (ANZ First, Westpac Low Rate, Commonwealth Bank Low Fee) | Yes, partly | Medical expenses often capped at AUD 20,000, no advance payment, no trip cancellation cover | Travel insurance offers AUD 250,000+ in medical expenses, plus cancellation and 24/7 support |
| Premium credit card (ANZ Platinum, NAB Qantas Rewards, Westpac Altitude Black) | Yes, partly | Medical up to AUD 250,000, limited baggage cover, strict restrictions on claims | Travel insurance provides cover for pre-existing conditions and higher baggage/luggage limits |
Example
While surfing in Bali, Emily from Melbourne suffered a severe spinal injury. The emergency treatment and medical evacuation to Australia cost over AUD 60,000. Her Westpac Platinum card only reimbursed $5,000 and her health insurance covered just $2,000. Without dedicated travel insurance, Emily had to handle the $53,000 shortfall herself.
Expert advice
Always review the terms, exclusions, and limits of your current insurance. Some crucial situations—like trip interruption due to a family member’s illness or passing—may not be covered. Read all conditions thoroughly to prevent unpleasant surprises overseas. Above all, having dedicated travel insurance tailored to your journey is the safest and most reassuring option.
FAQ
Do I need a visa to travel to Indonesia?
Australian citizens do not need a visa for short tourist stays of up to 30 days in Indonesia when arriving at major airports or ports, as you can obtain a Visa on Arrival upon landing. Longer stays, business travel, or certain activities may require a different visa. Always check entry requirements before you depart.
How do I purchase travel insurance for Indonesia?
Start by comparing different travel insurance options using the HelloSafe travel insurance comparison tool for Australians. Check each policy’s cover and exclusions, paying close attention to medical, evacuation, and activity-related guarantees for Indonesia. Buy your chosen policy online and you will receive your insurance certificate by email.
What medical expenses will travel insurance cover in Indonesia?
Comprehensive travel insurance will typically cover hospital and doctor fees, emergency evacuation, medication, and even repatriation to Australia if medically necessary. Many policies cover expenses up to AUD 1 million or more for serious incidents, as medical facilities and costs in Indonesia can vary greatly.
Can I get coverage for water sports or adventure activities in Indonesia?
Many insurers offer optional add-ons for activities like surfing, scuba diving, or trekking, which are popular in Indonesia. Always confirm that your chosen policy covers these activities and check for exclusions or excesses before purchasing your insurance.
How quickly can I get help if there is an emergency in Indonesia?
Most reputable travel insurers provide 24/7 emergency assistance hotlines that you can call from Indonesia. They can help you with medical emergencies, hospital arrangements, or evacuation if needed. Always carry your insurance certificate and the insurer’s contact details during your trip.
Will travel insurance cover pre-existing medical conditions in Indonesia?
Some travel insurers may offer limited cover for pre-existing medical conditions, but usually only if you declare them when purchasing the policy and pay the required premium. Always check the terms and get written confirmation before departure to avoid any unexpected expenses.
Do I need a visa to travel to Indonesia?
Australian citizens do not need a visa for short tourist stays of up to 30 days in Indonesia when arriving at major airports or ports, as you can obtain a Visa on Arrival upon landing. Longer stays, business travel, or certain activities may require a different visa. Always check entry requirements before you depart.
How do I purchase travel insurance for Indonesia?
Start by comparing different travel insurance options using the HelloSafe travel insurance comparison tool for Australians. Check each policy’s cover and exclusions, paying close attention to medical, evacuation, and activity-related guarantees for Indonesia. Buy your chosen policy online and you will receive your insurance certificate by email.
What medical expenses will travel insurance cover in Indonesia?
Comprehensive travel insurance will typically cover hospital and doctor fees, emergency evacuation, medication, and even repatriation to Australia if medically necessary. Many policies cover expenses up to AUD 1 million or more for serious incidents, as medical facilities and costs in Indonesia can vary greatly.
Can I get coverage for water sports or adventure activities in Indonesia?
Many insurers offer optional add-ons for activities like surfing, scuba diving, or trekking, which are popular in Indonesia. Always confirm that your chosen policy covers these activities and check for exclusions or excesses before purchasing your insurance.
How quickly can I get help if there is an emergency in Indonesia?
Most reputable travel insurers provide 24/7 emergency assistance hotlines that you can call from Indonesia. They can help you with medical emergencies, hospital arrangements, or evacuation if needed. Always carry your insurance certificate and the insurer’s contact details during your trip.
Will travel insurance cover pre-existing medical conditions in Indonesia?
Some travel insurers may offer limited cover for pre-existing medical conditions, but usually only if you declare them when purchasing the policy and pay the required premium. Always check the terms and get written confirmation before departure to avoid any unexpected expenses.
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