What are the best travel insurances for Indonesia in 2025?
- The best travel insurance for Indonesia
- Is it currently safe to travel to Indonesia?
- Is travel insurance required for your visa to Indonesia?
- Why take out travel insurance for Indonesia?
- What coverage is included in travel insurance for Indonesia?
- What is the cost of travel insurance for Indonesia?
- How can you pay less for your travel insurance to Indonesia?
- Can I rely on my current insurance to cover me in Indonesia?
- FAQ
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analysing 41 travel insurance policies available in the UK, our experts share here everything you need to know to choose the best travel insurance for Indonesia.
Travel insurance for Indonesia: key takeaways
1. Travel insurance for Indonesia covers unexpected medical emergencies, repatriation, lost belongings, and assistance services for UK travellers.
2. Travel insurance is not mandatory for UK citizens applying for a short-stay visa to Indonesia.
3. It remains crucial to purchase travel insurance due to potential high medical costs and unforeseen incidents during trips.
4. Hospital care in Indonesia can be expensive, averaging £80 to £200 per night for foreign visitors.
5. A one-week travel insurance plan for Indonesia typically costs between £18 and £40, depending on coverage.
6. Check your policy for coverage of adventure activities, natural disasters, or pre-existing medical conditions if relevant to your trip.
The best travel insurance for Indonesia
| Contract we recommend | Medical reimbursement limit (£) | Our view |
|---|---|---|
| HelloTravel Premium | 2,140,000 | This contract provides a very high medical reimbursement limit, suitable for Indonesia where emergency evacuation and hospitalisation costs can be significant. It covers serious risks including natural disasters, tropical illnesses, and offers comprehensive support for incidents such as terrorist acts or contaminated drinks. |
| Cap Assistance 24/24 | 2,000,000 | A strong option that balances good coverage levels and clear terms. 24/7 support ensures appropriate assistance in the event of medical emergencies or sudden evacuation needs, which are important for travel in Indonesia. |
| Tourist Card | 1,280,000 | This policy offers a solid limit, offering reliable medical protection for tourists. It includes emergency medical evacuation, which is important considering variable healthcare standards in Indonesia, and offers help for common risks like accidents or sudden illnesses. |
| Travel Pass Monde | 1,710,000 | Medical reimbursement is at a high level, making this suitable for families or groups. The policy includes key guarantees for hospitalisation, repatriation, and natural disaster response, which are particularly relevant to Indonesia. |
| Globe Partner | 1,710,000 | Focused on international travellers, this plan delivers dependable overseas support, with medical limits suitable for serious health incidents. It addresses emergency evacuations and covers high-cost risks specific to Indonesia. |
| Globe Traveller | 500,000 | This option meets more basic needs but is still appropriate for low-risk or short trips. While the coverage is lower, it provides essential medical support and partial evacuation cover, which may suit experienced or budget-conscious travellers to Indonesia. |
Is it currently safe to travel to Indonesia?
As of June 2025, the Foreign, Commonwealth & Development Office (FCDO) advises British nationals to avoid all travel to certain areas of Indonesia, specifically within the exclusion zones around several active volcanoes such as Mount Lewotobi Laki-Laki, Mount Sinabung, Mount Marapi, Mount Semeru, Mount Ruang, and Mount Ibu. Travel to other parts of Indonesia is permitted, but the advice is to remain alert to ongoing security and health risks.
Here are their four main recommendations.
- Security risks: the threat of terrorist attacks is high and targets have included tourist areas, hotels, and places of worship in cities such as Jakarta and Bali. Protests and political gatherings can become violent with little warning, particularly during major holidays and national events.
- Health risks: no specific entry vaccinations are required, but cases of malaria, dengue, and Zika virus have been reported, especially in rural and island regions. Rabies is present in tourist destinations like Bali, and street dogs or monkeys may bite if approached.
- Legal and criminal considerations: drug laws are severe, with the death penalty applied for some offences, and reports of gangs coercing travellers to carry drugs across borders have increased. Alcohol contamination with methanol has led to fatalities in places such as the Gili Islands, so caution is needed when consuming local spirits.
- Environmental hazards: Indonesia is prone to natural disasters including earthquakes, tsunamis, volcanic eruptions and flooding, particularly in the rainy season between September and February. Air quality sometimes deteriorates rapidly due to volcanic ash and smoke from wildfires, especially in large cities.
Although not required, travel insurance is strongly recommended by the FCDO, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Indonesia.
Is travel insurance required for your visa to Indonesia?
No, travel insurance is not mandatory for UK travellers visiting Indonesia for a short stay (less than 90 days), including those entering with a visa on arrival for tourism or business purposes.
However, it is still strongly recommended to take out comprehensive travel insurance that includes medical treatment and medical evacuation. Healthcare standards can be poor in Indonesia and medical evacuation to neighbouring countries may cost tens of thousands of pounds. Travellers may also face risks from natural disasters, terrorist attacks, and accidents, so insurance offers critical financial protection.
According to our data, 80% of travelers purchase travel insurance before going to Indonesia. This high percentage is mainly due to the expensive private healthcare system, limited local facilities, and the potential costs of emergency evacuation.
Why take out travel insurance for Indonesia?
Travel insurance is not legally required to obtain a short-stay visa for Indonesia for travellers from the UK.
It is an essential financial and medical protection for anyone going to Indonesia.
In Indonesia, private hospitals like Siloam Hospitals in Jakarta or Bali International Medical Centre in Denpasar are often the only suitable option for foreigners, as public hospitals can have poor facilities and limited English-speaking staff. Medical care, hospital stays, and emergency evacuations are expensive, and remote locations can make access difficult.
Travel insurance covers essential protections such as medical expenses, hospitalisation, medications, ambulance transportation, and repatriation to the UK in case of a serious issue.
Here are some examples of healthcare costs in Indonesia.
| Example of medical treatment | Cost at Siloam Hospitals (Jakarta) (IDR, GBP) | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | IDR 18,000,000 (approx. £900) | Up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | IDR 9,500,000 (approx. £480) | Up to 100% |
| I need to be repatriated | IDR 350,000,000 (approx. £17,500) | Most or all costs |
| I have appendicitis (consultation and surgery) | IDR 38,000,000 (approx. £1,900) | 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?
| Main coverages | Explanations and recommendations |
|---|---|
| 🩺 Medical expenses | Covers costs in case of illness or accident while in Indonesia, including hospitalisation, consultations, and prescribed medicines. Healthcare standards may be lower than in the UK, and evacuation may be costly. We recommend a reimbursement limit of at least £1,000,000 for Indonesia. |
| 🚑 Medical evacuation | Pays for transport to a suitable hospital or repatriation to the UK if required for medical reasons. This is crucial as local facilities may not always provide adequate care. We recommend a reimbursement limit of at least £250,000. |
| 🧳 Baggage and personal belongings | Covers loss, theft, or damage to luggage and personal effects during the trip. This includes checked baggage and hand luggage, but may exclude valuables or items not declared. We recommend a coverage limit of at least £1,500 per person for Indonesia. |
| ✈️ Trip cancellation or curtailment | Reimburses non-refundable costs of the trip if it is cancelled or cut short due to reasons such as serious illness, family emergencies, or major incidents at destination. We recommend a limit of at least £3,000 per person. |
| 🏥 Personal liability | Protects you if you unintentionally cause injury or damage to others or their property, which might result in legal claims. This is important as legal processes and fees can be complex overseas. We recommend a minimum limit of £1,000,000. |
| 🏄♂️ Adventure activities | Many travellers join tours involving snorkelling, diving, or hiking. Standard policies may exclude injuries from these activities. We recommend checking that cover includes adventure sports, with appropriate reimbursement up to the medical limits above. |
| 📎 Legal expenses | Covers legal costs and assistance if you encounter problems with local authorities or become involved in legal disputes. We recommend a minimum of £10,000 in legal cover. |
| 🔍 Personal accident | Offers a lump sum in case of death or long-term disability resulting from an accident during your trip. We recommend at least £25,000 cover as a guideline. |
We recommend a reimbursement limit of at least £1,000,000 for Indonesia.
We recommend a reimbursement limit of at least £250,000.
We recommend a coverage limit of at least £1,500 per person for Indonesia.
We recommend a limit of at least £3,000 per person.
We recommend a minimum limit of £1,000,000.
We recommend checking that cover includes adventure sports, with appropriate reimbursement up to the medical limits above.
We recommend a minimum of £10,000 in legal cover.
We recommend at least £25,000 cover as a guideline.
What is the cost of travel insurance for Indonesia?
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | £17 – £32 |
| 2 weeks | 45 years old | £25 – £45 |
| 1 month | 35 years old | £37 – £60 |
| 1 month | 70 years old | £98 – £160 |
Good to know
The cost of travel insurance for Indonesia depends on several factors, including the age of the traveller, the duration of the trip, the chosen coverage options, pre-existing health conditions, and whether you select cancellation coverage. It is important to keep these factors in mind when selecting a policy.
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 can you 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 |
|---|---|---|
| 🧑🦳 Traveller’s age | Prices generally rise with age. Some insurers charge a lot more if you are over 60. | Compare insurers, as not all increase premiums sharply for older travellers. Heymondo does not increase its prices for people over 62. |
| 🚑 Medical and evacuation coverage | Medical care in Indonesia can be poor, especially outside big cities. Serious illness or injury may need expensive evacuation. | Avoid add-ons you do not need, but always include medical evacuation cover. Choose the minimum cover recommended for Asia destinations. |
| 🏄♂️ Activities covered | Many visitors take part in diving, surfing, or trekking. These may not be covered by basic policies. | Do not pay for adventure or hazardous sports coverage if you will not be doing them. Only declare activities you genuinely plan to do. |
| 📆 Trip duration | Insurance costs more the longer your trip lasts. Shorter trips cost less. | Only insure the actual length of your trip. Even one extra day can increase the premium. |
| 💼 Multi-trip vs single-trip policies | If you travel to different countries several times a year, an annual policy could save money. | For Indonesia only, single-trip cover is usually cheaper. Consider multi-trip only if you travel more than twice per year. |
| 👪 Group or family coverage | Some policies offer free or discounted cover for children or groups. | Compare if it is cheaper to insure each person separately or together, especially for families. |
| 💳 Excess (deductible) amount | Higher excess lowers premiums but means you pay more if you claim. | Select a higher excess if you are mainly concerned about large, rare expenses, such as evacuation, to keep premiums lower. |
Can I rely on my current insurance to cover me in Indonesia?
It is normal to check if your existing coverages, like with your credit card or the NHS, can protect you when travelling to Indonesia, but these options rarely provide enough coverage for travel there. Currently, Indonesia does not make travel insurance mandatory for GB travellers as part of its visa requirement, but embassies may ask for proof of insurance in specific cases, especially for medical evacuation. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Covered in Indonesia? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (NHS England, Scotland, Wales, NI) | No, never | Medical costs abroad and repatriation are never covered. | Travel insurance offers emergency medical costs abroad, often up to £5,000,000 or more per trip. |
| Private health insurance | Yes, partly | May cover some hospital expenses; does not typically cover evacuation, repatriation, lost luggage or delays. | Higher limits for medical evacuation (£20,000–£100,000+), extra cover for baggage loss, trip interruptions. |
| Classic credit card (Barclaycard, Halifax, Lloyds) | No, never | Usually, no travel cover; if offered, limited to small accidental damage or purchases, not medical. | Travel insurance covers medical emergencies, repatriation, trip cancellations, which cards do not. |
| Premium credit card (Amex Platinum, HSBC Premier, NatWest Black) | Yes, partly | May cover medical emergencies, delays, cancellations. Often limited reimbursement, many exclusions apply. | Travel insurance offers clearer terms, higher limits (£1,000,000+), often includes adventure sports and evacuations. |
Example
After a scooter accident in Bali, emergency treatment and a medical evacuation to Singapore cost over £41,000. A premium bank card’s insurance covered only the hospital excess (£250), leaving the traveller to pay the rest because repatriation by air ambulance was excluded.
Expert Advice
Always review the terms, exclusions and claim limits of any existing insurance before relying on it for your Indonesia trip. Some important events, like flight cancellations due to political unrest or natural disaster evacuations, might be excluded. Read all insurance documentation thoroughly to avoid unexpected costs when abroad. In all cases, a dedicated travel insurance policy tailored to your trip offers safer and broader protection.
FAQ
Do I need a visa to travel to Indonesia?
Yes, British travellers require a visa to enter Indonesia. For tourism and business visits up to 30 days, you can get a visa on arrival at most major airports and ports. Your passport must be valid for at least six months from your arrival date and have at least two blank pages. Entry requirements can change, so it is advisable to check the latest guidance before travel.
How do I purchase travel insurance for Indonesia?
Start by comparing policies using the HelloSafe travel insurance comparison tool to find a plan that meets your needs. Carefully review the cover and exclusions related to Indonesia, especially for natural disasters, medical evacuation, terrorism, and activities such as trekking or scuba diving. Once decided, you can buy the policy online and will receive your certificate digitally, which you should keep accessible during your trip.
What health risks should I consider when travelling to Indonesia?
In Indonesia, travellers should be aware of risks including malaria, dengue, Zika virus, and rabies in some areas. Tap water is not safe to drink, and the air quality can be affected by pollution or volcanic ash. It is important to ensure your travel insurance covers illness and emergency medical evacuation, as local healthcare may not meet UK standards and medical evacuation can be very expensive.
Are there areas of Indonesia that are not covered by travel insurance?
Some policies may exclude cover if you travel to regions where the Foreign, Commonwealth & Development Office advises against all travel, such as areas near active volcanoes. Always check the policy terms carefully for exclusions related to specific locations or activities. Travelling against official advice may void your insurance, so monitor the latest updates before your trip.
What should I look for in a travel insurance policy for Indonesia?
Look for a policy that offers comprehensive medical cover, including evacuation and repatriation, due to potentially high costs and limited healthcare. Cover for natural disasters like volcanic eruptions and earthquakes is important, as well as protection for personal belongings and cancellation. Confirm that adventurous activities you plan to do, such as snorkelling or trekking, are included.
Does travel insurance for Indonesia cover terrorist incidents or civil unrest?
Many travel insurance policies provide cover for emergency medical treatment and evacuation if you are injured during a terrorist attack. However, cover for trip cancellation or interruption due to civil unrest or terrorism may vary. It is important to read your policy’s terms and conditions regarding exclusions to ensure you are adequately protected.
Do I need a visa to travel to Indonesia?
Yes, British travellers require a visa to enter Indonesia. For tourism and business visits up to 30 days, you can get a visa on arrival at most major airports and ports. Your passport must be valid for at least six months from your arrival date and have at least two blank pages. Entry requirements can change, so it is advisable to check the latest guidance before travel.
How do I purchase travel insurance for Indonesia?
Start by comparing policies using the HelloSafe travel insurance comparison tool to find a plan that meets your needs. Carefully review the cover and exclusions related to Indonesia, especially for natural disasters, medical evacuation, terrorism, and activities such as trekking or scuba diving. Once decided, you can buy the policy online and will receive your certificate digitally, which you should keep accessible during your trip.
What health risks should I consider when travelling to Indonesia?
In Indonesia, travellers should be aware of risks including malaria, dengue, Zika virus, and rabies in some areas. Tap water is not safe to drink, and the air quality can be affected by pollution or volcanic ash. It is important to ensure your travel insurance covers illness and emergency medical evacuation, as local healthcare may not meet UK standards and medical evacuation can be very expensive.
Are there areas of Indonesia that are not covered by travel insurance?
Some policies may exclude cover if you travel to regions where the Foreign, Commonwealth & Development Office advises against all travel, such as areas near active volcanoes. Always check the policy terms carefully for exclusions related to specific locations or activities. Travelling against official advice may void your insurance, so monitor the latest updates before your trip.
What should I look for in a travel insurance policy for Indonesia?
Look for a policy that offers comprehensive medical cover, including evacuation and repatriation, due to potentially high costs and limited healthcare. Cover for natural disasters like volcanic eruptions and earthquakes is important, as well as protection for personal belongings and cancellation. Confirm that adventurous activities you plan to do, such as snorkelling or trekking, are included.
Does travel insurance for Indonesia cover terrorist incidents or civil unrest?
Many travel insurance policies provide cover for emergency medical treatment and evacuation if you are injured during a terrorist attack. However, cover for trip cancellation or interruption due to civil unrest or terrorism may vary. It is important to read your policy’s terms and conditions regarding exclusions to ensure you are adequately protected.
