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Travel Insurance Indonesia
Travel Insurance Indonesia
Written by
Rachel Gregg
Edited by
Ellie Garran
Reviewed by
Adrian BennettEasily compare Travel Insurance
Save time and effort by comparing a range of travel insurance policies with iSelect
Do I need travel insurance for Indonesia?
Long story short
Travel insurance can save your wallet (and trip)
With prices starting from $39 per day for basic and around $80 for comprehensive plans, travel insurance could save you a fortune if you end up in hospital.1Indicative prices from iSelect comparison tool, May 2025
There’s more to worry about than just Bali belly
Scooter accidents, street food regrets, or a surprise volcano eruption could all be part of your Indonesian adventure, which travel insurance can help protect you from.
Not everything is covered in your policy
Just because you’ve got a policy doesn’t mean you’re covered for everything. Make sure to check what you’re covered for to find a plan that covers all your bases.
Do I need travel insurance for Indonesia?
Whether you’ll be island hopping around Bali or exploring Sumatra and all its wildlife, there’s a lot to get excited about in Indonesia. One thing we don’t like to think about are those unexpected (and unwanted) moments in a trip, like a scooter mishap, a sudden case of Bali belly, or a flight that decides not to show up. Those situations are exactly why travel insurance is here. It won’t stop a monkey from stealing your sunglasses in Ubud, but it can help cover medical costs, cancellations, and other surprises you didn’t plan for.
With Smartraveller recommending all travellers to Indonesia exercise a high degree of caution, having a comprehensive travel insurance policy is important and means your back is covered (even if nothing goes wrong).2For more information, see Smartraveller – Indonesia
Which popular activities in Indonesia are covered by travel insurance?
While Bali is a top holiday pick for a lot of Australians, it’s just one small part of Indonesia. With over 17,000 islands stretching 5,000 km, there’s so much more to Indonesia than one popular island.
Add some adrenaline to your hike by climbing up Java’s volcanoes
With the fourth highest number of volcanoes in the world, there’s no better place than Indonesia to climb up these hot-headed mountains safely. Java’s Gunung Bromo volcano, standing at 2,329m tall, is the most popular volcano to climb (especially for sunrise views). Others love the 2,769m Kawah Ijen, with its bright azure river caused by burning sulphur. If you want to experience this once-in-a-lifetime hike, make sure to go with an experienced guide and check to see if your policy will cover you for volcano hiking, especially if things start heating up.
Snorkel through the heart of the Coral Triangle in Raja Ampat
Indonesia’s waters sit within the Coral Triangle (tropical waters stretching from Malaysia to the Solomon Islands), so if you love snorkelling or diving, this is the perfect destination. You’ll find some of the greatest marine biodiversity, especially in Raja Ampat, with about 750 species of coral in these waters (350 more than what’s in the Great Barrier Reef). Just make sure snorkelling and diving are all included in your plan in case the local sea life gets a little too friendly.
Visit Ubud, the centre of Balinese craft and traditional dance
Ubud is where Bali’s unique cultural creativity shines. Watch local woodcarvers and silverworkers work in their village studios, spiritual temple ceremonies or full moon rituals, and traditional dance performances that reveal Bali’s heart. Whether you’re watching a legong dance at sunset or wandering the Agung Rai Museum of Art, it’s handy to have travel insurance in your corner, just in case you get a little too close to a valuable local art piece.
See real-life dragons at Komodo National Park
This UNESCO-protected park, covering three islands (Komodo, Padar, and Rinca), is one of the few places left to see wild Komodo dragons in their natural habitat. But that’s not all; the park has heaps of other wildlife to spot. It’s also the second-richest wildlife zone after the Amazon, making it well worth the visit. Just be sure to visit with a guide and check your policy includes wildlife tours, cause the last thing you want is to come face to face with these lizards in the flesh.
What health and safety risks should I consider when travelling to Indonesia?
Drink spiking and methanol poisoning
Drink spiking is a real risk in Indonesia, with reports in Bali and Lombok. Methanol poisoning is also common in popular tourist spots. Make sure to skip the dodgy happy hour drinks and get urgent medical care if you think you or someone you know has had their drink spiked or poisoned.
Volcanic activity
Sitting right on the Ring of Fire, Indonesia has more active volcanoes than you can count (76 of its 120 volcanoes are active). Since volcanoes love to erupt with little to no warning, this can mean sudden flight disruptions or airport closures, so stay alert and understand the four volcano alert levels before travelling to volcano country.
Medical risks
Tropical insect-borne diseases like dengue, zika, malaria, and Japanese encephalitis pose a threat to travellers. So, bug spray will become your best friend on your trip. Bali belly is also quite common for travellers, so drink bottled water instead of tap water. And be aware that some prescription medication, including ADHD medication, can be banned in Indonesia, so check what you can and can’t bring before flying.
Petty crime
Theft, sexual assault, credit card fraud, and scams can be common in popular tourist areas. Be aware when walking around shopping malls, bars or nightclubs, and watch out for motorcycles targeting pedestrians. If you need a taxi, use a licensed, metered taxi or a verified app so you don’t get overcharged (or worse). Solo female travellers should be more cautious as crime rates are higher for them.
What does travel insurance cover for my trip to Indonesia?
Travel insurance is your saving grace when something unplanned happens on your trip. The last thing you want is to be scrolling through your policy details to see if you can get your medical bill covered while you’re suffering from a bad case of food poisoning. While what’s covered depends on your policy and level, here are a few things that will generally be included in your policy for Indonesia:
- personal liability (in case you injure someone or damage some else’s property)
- medical expenses and emergency assistance
- medical costs associated with scooter or moped accidents (while this is generally included in Indonesian travel insurance, double-check your plan)
- theft of cash or loss of your travel documents
- cover for luggage or personal items that get lost in transit or stolen
What isn’t included in travel insurance for Indonesia?
Unlike your all-inclusive resort stay (hello breakfast buffets), not everything is included in your travel insurance. Most policies won’t cover:
- risky activities, like quad biking through the jungle, when you haven’t selected it as an optional extra
- luggage or personal belongings taken in a public place (like leaving your bag on the beach while you go for a swim)
- personal errors in your travel bookings (like booking your flights a day before your accommodation).
- reckless behaviour or claims resulting from alcohol consumption or drug use.
How much does travel insurance cost for Indonesia?
Travel insurance isn’t a splurge, it’s an essential – like buying a charger for your phone. The exact cost will depend on how long you’re away, what kind of cover you need, and which insurer you go with. But as a ballpark figure for your budget, you can usually expect basic plans to cost around $40, while comprehensive policies can set you back around $80, depending on the insurer you choose.3Indicative prices from iSelect comparison tool, May 2025 A small price to pay for zero panic on your trip.
‘If you plan on doing some shopping, don’t just hop in a taxi and say, ‘take me shopping’. You’ll probably end up in a pricey tourist area with prices the same as back home. Do a quick search first and head to some local spots in Ubud or Sukawati to get a deal on your souvenirs. When it comes to paying, grab some Rupiah before you land and keep the exchange rate on your phone, so you don’t end up paying $30 for a sarong.‘
Sophie Ryan
PR Manager, iSelect
Find travel insurance for Indonesia before those nasi goreng cravings kick in
You’ve booked your flights and filled your itinerary to the brim, but don’t forget the one thing that might help when your trip takes a wrong turn. Travel insurance lets you explore Indonesia your way, so you can spend less time stressing over a potential case of Bali belly and more time planning that sunrise volcano hike. Use our travel insurance comparison tool to find a policy from a range of plans and providers that suits your travel needs – and thank yourself later.
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