Explore Travel Insurance

Tiana Lee-CollinsWritten by Tiana Lee-Collins
Reviewed by Adrian Taylor
Last updated 24/11/2023

Key takeaways

Bali may be the most famous island in Indonesia but it’s just one of the many holiday spots this country has to offer. If you’re thinking about taking a trip to Indonesia, consider your insurance needs before you go.

  • The inclusions and benefits of travel insurance policies vary between providers, levels of cover and whether you take out any optional extras.
  • You aren’t covered by Medicare or private health insurance while overseas, so medical cover may help alleviate any unexpected medical costs.
  • One way to lower your premium is by increasing your policy excess – but always choose a manageable amount in case you need to claim.

Why take out travel insurance for Indonesia?

A travel insurance policy can not only provide peace of mind, but it also may include emergency assistance if something goes wrong, and compensation for losses. Not convinced? Here are some more reasons to take out a travel insurance plan for Indonesia:

  • Illnesses or injuries can occur at any time, so medical cover may help cover unexpected medical or hospital expenses that arise on your trip.
  • In the case of pickpockets or lost luggage, you may be reimbursed for your belongings, up to the limits of your policy.
  • By purchasing comprehensive travel insurance as soon as you make any bookings and pay any deposits you may have cancellation cover should you need to cancel your trip before you even leave.


Choosing the right travel insurance for Indonesia

When comparing travel insurance policies, it can be hard to know which one best suits your trip. A few things you should consider when comparing travel insurance cover include:

  • Whether you may need extra cover for adventure activities, as well as rental car excess cover or motorcycle and scooter cover in case you plan to drive around in Indonesia.
  • If you have any pre-existing medical conditions, you may want to search only for policies that allow you to declare your conditions for assessment so that you may be covered.
  • The details of what is and isn’t covered in your policy, as listed in your Product Disclosure Statement (PDS). You can also check your Target Market Determination (TMD) document for more information on whether a policy is suitable to you.

Adrian Taylor, Executive General Manager

Expert tips on choosing the right travel insurance for Indonesia

Our Executive General Manager of General Insurance, Adrian Taylor, has some tips for getting travel insurance for your trip to Indonesia.

Declare your pre-existing medical conditions

If you have any pre-existing medical conditions, search for products that allow you to declare these conditions as part of your insurance application so your insurer can consider them. This can help to ensure you have the cover you need if you’re injured or become ill.

Search for a policy that suits your itinerary

Consider what you need to include in your travel policy. This might include medical expenses, cancellation fees, personal liability costs, luggage and rental vehicle excess, as well as any additional cover for cruise holidays. Keep all this in mind when shopping for a policy.

Consider COVID-19 cover

While many insurers are automatically providing cover for some COVID-19 related losses, in most cases, you’ll need to purchase their top tier cover or comprehensive cover for COVID-19 cover to be included.

Do I need travel insurance for my trip to Indonesia?

Person a pier in Indonesia
It’s always a good idea to have travel insurance when heading overseas. If something goes wrong on your trip, it may leave you with hefty out-of-pocket expenses. Things like unforeseen medical events, lost belongings, cancellations and delays can happen to anybody, and they’re often out of your control.

Travel insurance can help protect you from financial loss due to mishaps and injuries, as well as provide 24/7 emergency medical assistance if you find yourself in trouble. Hopefully, you never have to claim and your policy provides you with peace of mind.

Before taking out a policy, you should always read the PDS to understand the limits, sub-limits and eligibility criteria for your coverage.

Having more of a worldwide tour? If you’re travelling on from Indonesia, check out our pages on Thailand, Malaysia or Singapore, or our full list of destination pages. If you’re a frequent flyer, you might also want to check whether an annual multi-trip policy could save you money.


What should my travel insurance policy for Indonesia include?

Woman on mountain in Indonesia

Medical expenses

Australia does not have a Reciprocal Health Care Agreement with Indonesia, which means if you require medical treatment, your Australian Medicare benefits won’t cover you and you’ll be left to pay for it yourself. The Australian Government also won’t cover your hospital treatment if you get injured overseas, or require medical evacuation or repatriation back to Australia. These unexpected costs can put you back thousands unless you’re protected from out-of-pocket expenses by an insurance policy with the appropriate medical cover.


Hiring a car, scooter or moped in Indonesia can be a great way to get around. However, you may want to consider purchasing rental vehicle excess cover as an optional extra for your travel insurance policy. This can cover the excess you need to pay the rental company if the car is stolen or damaged.

This cover is unlikely to extend to scooters or mopeds. Instead, you may want to consider getting motorcycle, moped and scooter cover for coverage when hiring two-wheeled vehicles. However, this only protects you against medical expenses, not damage to your rental.

To drive in Indonesia, you will also need either an Indonesian licence or an International Driving Permit (IDP). If you have an accident and you don’t hold the correct licence or permit, it’s likely your claim will be denied.

Theft or loss of belongings

Travel insurance can cover the unexpected loss of cash, credit cards, travel documents and personal belongings, including recreational equipment like bikes and sports gear.

This is critical cover as Indonesian criminals have been known to target tourists. Be careful of thieves at shopping malls, tourist hotspots and when entering your accommodation. It’s wise to separate your passport and wallet and avoid carrying all your money at once or in the same spot.

Trip cancellations and delays

With the appropriate level of cover, you may be covered for all types of cancellations and travel delays, including:

  • Delayed and cancelled flights. If your flight is delayed or cancelled, you may be able to recoup additional accommodation or other related expenses, with travel insurance.
  • Hotel and tour bookings. When a booking is cancelled or a tour is rescheduled, it can impact your entire itinerary. Your insurer may cover expenses like accommodation and travel-related bookings you’ve already paid for but can no longer use.
  • Volcano and ash cloud. Indonesia is known for its volcanic eruptions. However, you can get volcano and ash cover so your plans don’t go up in smoke! Ensure this cover is included in your policy, and you take out travel insurance before the event occurs.


Important to know

What is excluded from your travel insurance for Indonesia?

While travel insurance can cover you for some things on your Indonesian getaway, there will be exclusions which are events or incidents insurers won’t cover. For example, travel insurance usually won’t cover you in instances where you:

  • Had an incident while being intoxicated by alcohol or drugs
  • Acted in a reckless or dangerous manner
  • Broke Indonesian laws
  • Need medical treatment for a pre-existing medical condition that isn’t covered by your policy
  • Left your luggage or belongings unattended and they were stolen or damaged
  • Drove without an Indonesian licence or IDP
  • Travelled during an active natural disaster.

Still not sure what’s covered and what’s excluded? Simply read the PDS of your travel insurance policy. When you compare online with us, we make it easy for you to read through each policy’s PDS before purchasing cover.

Is Indonesia safe?

Indonesia can be safe, but you should take precautions when you’re out and about and always check Smartraveller for travel alerts and warnings for your destination country. In Indonesia, drink spiking occurs, bag-snatching is common and there’s a possible threat of terrorist attacks.1

Furthermore, Indonesia is strict on drugs, including some prescription medications for conditions like ADHD. Contact the Indonesian embassy to see whether your medication will be allowed into the country. As you may be aware, penalties for drug offences are severe in Indonesia and can include the death penalty.

Indonesia also experiences severe weather and natural disasters including floods, landslides, earthquakes, tsunamis, volcanic eruptions and volcanic ash clouds. If you travel to Indonesia while a natural disaster is occurring and there are government warnings in place, or you purchased your policy after the event started or occurred, your travel insurer may reject your claim/s or void your policy.

How to protect yourself overseas

Beyond taking out a standard travel insurance policy, we have a few ways you can help protect yourself while on holiday in Bali.

  • Consider vaccinations and precautionary measures. Check Smartraveller for an up-to-date list of recommended illnesses to discuss with your GP before departing, including malaria, dengue and zika virus.1
  • Adhere to Indonesian laws. Travel insurance won’t cover you for losses you suffered while doing an illegal or reckless activity.
  • Apply for an e-Visa on Arrival (e-VOA). Apply a minimum of 48 hours before departing for Indonesia. An e-VOA can let you stay in Indonesia for up to 30 days.1
  • Get extra coverage for activities. Your standard travel insurance policies won’t automatically include many adventure activities like snorkelling, scuba diving or surfing. Luckily, you may be able to add extra cover to your policy for an additional premium.


1 Smartraveller. Indonesia. Last updated October 2023. Accessed October 2023.

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