cheap travel insurance indonesia

Top Travel Insurances For Indonesia You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Indonesia is a huge and bustling country that's famous among visitors and expats for its diverse landscapes (including tropical forests and stunning beaches) and fun cultural experiences, including visiting to the famous Borobudur Temple and the resorts of Bali. Although travelling to Indonesia can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Indonesia and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Indonesia Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Indonesia:

Best Travel Insurances for Indonesia

• 01. Do I need travel insurance for Indonesia? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Indonesia scroll down

Heading to Indonesia soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Is Travel Insurance Mandatory in Indonesia?

No, there's currently no legal requirement to take out travel insurance for travel to or through Indonesia.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Indonesia or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Indonesia:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Indonesia, no matter whether you're planning to recline on a sunny Bali beachfront or explore the concrete jungles of Jakarta.

VisitorsCoverage lets you choose between various plans tailored to meet the specific needs of your trip to Indonesia, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Indonesia:

• Policy Names: Varies
• Medical Coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip Coverage: Excellent - but only available for US residents.
• Customer Support: FAQ, live chat and phone support
• Pricing Range: USD 25 to USD 150 /traveller /month
• Insurance Underwriter: Lloyd's, Petersen, and others
• Best For: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option for Indonesia, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy Names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical Coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip Coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer Support: FAQ, live chat, phone support
• Pricing Range: USD 80 to USD 420 /traveller /month
• Insurance Underwriter: David Shield Insurance Company Ltd.
• Best For: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads in Indonesia because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy Names: Nomad Insurance, Remote Health
• Medical Coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip Coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing Range: USD 45 to USD 160 /traveller /month
• Insurance Underwriter: Tokyo Marine HCC
• Best For: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Indonesia? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Indonesia

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Indonesia. However, we strongly encourage you to do so anyway, because the cost of healthcare in Indonesia can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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WARNING RE COVID-19

Policies purchased after [20 Mar 2020] will not provide any cover for claims directly or indirectly arising from, relating to or in any way connected with COVID-19 (or any mutation or variation thereof or any related strain). We will not therefore cover claims relating to any inability to travel, any decision not to travel or any changes to travel plans, nor any medical or health related loss or expense incurred, as a result of COVID-19. Refer to the  FAQ  for more details.

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To make your trip comfortable we provide 3 types of coverage plans that can be tailored to your needs. From affordable Essential plans to Supreme or Ultimate plans with comprehensive benefits.

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Quality travel protection at an affordable price

With more than 5 years of insurance experience and millions of travelers served, Chubb Travel Insurance offers high quality insurance for Indonesian travelers. We have package options for all types of travelers, from frequent flyers and families to budget travelers, adventure seekers and sports enthusiasts.

Access to a worldwide team of travel experts

Purchasing travel insurance from Chubb means access to a truly global network. In addition to our rich local expertise, Chubb's operations in Indonesia are supported by our extensive global travel network and extensive resources to serve your every need.

Fast, fair and efficient claims handling

Experience has taught us the importance of being proactive when managing claims. Chubb understands that a fast, fair and efficient approach to claim handling leads to faster results, and can help produce better results.

24 hour emergency assistance

When you purchase Chubb Travel Insurance, you are instantly covered by Chubb Assistance, our 24 hour emergency line that provides the support you expect when you need it, anywhere, anytime.

You can contact us by mail or telephone.

For 24-hour emergency assistance, call

+62 21 2927 9603

Chubb Travel Insurance Customer Service

Hotline +62 1500 257

Monday - Friday, 08.30 - 17.30 Jakarta time (except national holidays)

E-mail  [email protected]

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For mailing addresses, telephone numbers and email addresses for Chubb offices anywhere on our global network, use our office locator.

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Travel Insurance for A Worry-free Trip

Stay protected on your travels!

Enjoy the most of your journey by ensuring that you and your trip are covered against unpredictable events, without the extra hassle.

Now available on Traveloka App

Traveloka Travel Insurance "a journey without worry"

We offer insurance plans that come with extensive coverage and choices of Single-Trip or Annual. Whether you are an occasional or frequent traveller, you can put your mind at ease and minimize any potential worries while you’re on your trip.

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What You Get

Flight delay protection.

Avoid the stress of dealing with flight delays or even cancelations. Any disruption that happens to your flight plans is covered up to Rp7,5 million.

Personal Accident Coverage

Ensure that you are well-protected should any unwanted events occur before it’s too late! Accidents encountered during your trip are insured up to Rp15 million.

Medical Expenses Coverage

Medical emergencies are no fun, especially when it comes to paying off expensive hospital bills. But no worries, because your medical expenses are covered up to Rp500 million.

Baggage Loss Protection

Arrived safely, but couldn’t find your baggage? No need to panic! Any missing or damaged belongings can be claimed up to Rp15 million.

Get your Insurance now?

Let us protect you and your trip with our travel insurance plans. Now we are available on the latest Traveloka App version.

Find Travel Insurance on Our App

Open Traveloka App and tap All Products

Scroll down to find the Travel Guide & Add-ons section, then tap Travel Insurance

Planning for next destination to other country? Do further check here with Traveloka Travel Insurance for International destination. We have online comprehensive information for you here.

Buy Travel Insurance at Traveloka

Traveling, whether for business, family trip, education, or just walking around, certainly requires careful preparation. This preparation is needed so that we can anticipate various things that might happen so that the trip can take place safely, comfortably, and without significant obstacles.

Although the preparation has been made, there is a chance that problems might happen. There are still a number of things that are beyond our control that might occur. For example, flight delays, damaged or lost baggage, problems with booking rooms, to the worst: accidents.

No need to worry much about this. Moreover, thinking to cancel the trip. Since long ago, there has been a name for a Travel Insurance service that is in charge of providing special protection as long as we travel. This insurance serves to provide protection in the form of financial protection for a number of events beyond our control. Some of the most common, for example: compensation for late or delayed flights, compensation for damaged or lost baggage, and dependents on post-accident maintenance costs.

In modern times like this, you can get the insurance very easily from various sources. No longer having to go to a particular provider, you can even buy travel insurance online with a sophisticated device and a fast internet connection.

This year, Traveloka complements the comfort of your trip with Travel Insurance services. The presence of this service can make you feel more calm and safe to deal with trips because you can buy full protection through a mobile application.

Have a worry-free journey with Traveloka Travel Insurance. Download the Traveloka Application now or update your Traveloka Application to the latest version. This latest feature can be found in the "Travel Guide & Add-on" menu.

There are a lot of reasons to complete your trip with Travel Insurance. This latest service provides comprehensive protection to free you from anxiety because various potential interference effects can be handled as well as possible.

By purchasing Traveloka Travel Insurance, you will get protection for flight delays or cancellations up to Rp. 7.5 million. When an accident occurs, you will get coverage of up to IDR 15 million per person. The cost of medical coverage for emergencies at the hospital is also available up to a maximum of Rp. 500 million per person. Lost or damaged baggage? Traveloka Travel Insurance is ready to compensate up to Rp. 15 millions.

Worry-free trip is now in your own hands. All can be accessed quickly, safely, and so easily with just the touch of a finger. Traveloka Insurance price is of course affordable just as like Traveloka's special treat. Special promos are often available for you to add as a form of more savings when buying travel insurance online from the App.

Frequently Asked Questions

Insurance has a lot of aspects into it. To make it easier for you to find and fully grasp all of the important information, we have compiled a list of short questions that are frequently asked. This page will be updated periodically to give you the most relevant and comprehensive information.

How do we purchase Travel Insurance?

• Download Traveloka App from Google Play Store or iOS App Store.
• Complete the account’s registration process and log in to your account.
• Tap the Insurance icon button on the home page.
• Scroll down to find the Travel Insurance icon.
• Click the Travel Insurance icon.
• Select the Coverage Type , Coverage Area , Destination Country , Coverage Start Date , Coverage End Date , and Travelers .
• Click Search Plans and select an insurance plan that best suits your need.

Pro-tip : Make sure that you have read and understood the applicable Terms & Conditions including the details of the insurance before you make a purchase.

How do we make a claim?

• Download and fill in your claim form, and prepare the required documents as listed there.
• Make sure that you attach ALL the required supporting documents that are related to your claim onto your claim form.
• Submit your claim request and the required documents within 30 days from the date of the incident to one of the following options:
• 021-550-7777 (24-jam)
• [email protected] (Email)
• +6288-1109-0888 (WhatsApp)
• Pusat layanan Klaim simas Insurtech , coHive Menara Tekno, Jl.KH fachrudin No. 19, Jakarta Pusat, 10250 (Post)
• Your claim will be processed within 7 working days and Simasnet will notify you in case of insufficient or incomplete documents.
• Payment will be settled in 2 working days to your bank account after the claim is approved by Simasnet.

Claim Inquiries

• [email protected]
• Pusat layanan Klaim simas Insurtech , coHive Menara Tekno, Jl.KH fachrudin No. 19, Jakarta Pusat, 10250

What are the Terms & Conditions?

• Insurance purchase is non-refundable.
• Only valid for Indonesian residents or foreigners holding a valid identification document such as KTP, KITAS, or KITAP.
• The insurance is only valid for trips departing from or to Indonesia.
• When purchasing the insurance, you must be fit to travel and are not aware of any circumstances that might disrupt it.
• Simas Insurtech is entitled to withdraw the funds that have been paid to you if any evidence of fraud or data manipulation is found.
• Coverage lasts from the start date to the end date of the insurance policy unless the trip is cancelled.
• For one-way flights, the coverage ends when you have safely landed at your destination’s airport.
• In case that you’re entitled to a refund from other parties, Simas Insurtech will only pay the remaining amount up to the maximum amount of your policy limit (not the total amount of loss).

What are the things that are not covered?

• Pre-existing medical conditions and chronic illnesses (e.g. asthma, heart attack, stroke, epilepsy, diabetes, appendicitis, kidney stones).
• Outbreak of disease, epidemic, and pandemic. Although some plans cover COVID-19, please check your policy to make sure.
• Pregnancy and childbirth (including the associated injuries or sickness), and venereal disease.
• Medical treatments or surgeries that can be postponed until you return to Indonesia.
• Additional medicines that are not medically prescribed (e.g. balm, ointment, insect repellent, Counterpain and its equivalent, and Betadine and its equivalent).

International Travel Insurance Destinations

Using the latest version of Traveloka App, you can purchase travel insurance for almost all destinations worldwide. To make it easier for you to find the necessary information on the travel insurance that we provide for each destination, you can click on one of the following pages:

• Travel Insurance to United States
• Travel Insurance to Japan
• Travel Insurance to China
• Travel Insurance to Germany
• Travel Insurance to France
• Travel Insurance to Netherlands
• Travel Insurance to Russia
• Travel Insurance to Poland
• Travel Insurance to Canada
• Travel Insurance to Spain
• Travel Insurance to Australia
• Travel Insurance to Thailand
• Travel Insurance to Malaysia
• Travel Insurance to Great Britain
• Travel Insurance to Turkey
• Travel Insurance to New Zealand
• Travel Insurance to Vietnam
• Travel Insurance to Mexico
• Travel Insurance to South Korea

Disclaimer : The destinations shown above are only the most popular. We will periodically add other destinations to this page.

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Indonesia travel insurance

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Why do I need travel insurance in Indonesia?

• It can cover you for emergency medical treatment.
• It can cover medical expenses caused by injuries and accidents, unless it's from an excluded activity.
• It can pay for transport to hospital by helicopter or ambulance, as well as medical evacuations back to Australia.
• If you're renting a car in Indonesia, make sure you have car rental excess cover.
• Pickpocketing can occur in Indonesia. Travel insurance can cover you for lost or stolen valuables. This could include rings, necklaces, phones and watches.
• Indonesia is home to active volcanoes. Travel insurance can cover travel disruptions caused by natural disasters.
• Terrorism is a risk in Indonesia. A few insurers provide cover for medical and hospital expenses caused by an act of terrorism, including the cost of bringing you back home.

Looking for the best travel insurance for Indonesia? Check out our award winners in 2023

Tick travel insurance has ranked first place for customer satisfaction in 2023 .

This survey was conducted by Dynata, where 95% of respondents said they would recommend Tick to a friend, and it scored the highest in the 'value for money' category.

Southern Cross Travel Insurance has taken the top position in the 'Travel insurance - Comprehensive' category for the 2023 Finder Awards . Why? It's got to do with its wide COVID-19 coverage and how it handles cancellations due to unexpected events.

Adding to that, its average pricing was pretty affordable compared to other brands who offer less coverage for a higher price.

Fast Cover is the winner of the 2023 Finder Awards for the 'Travel insurance - Value' category. How? We compared the average prices of 28 international travel insurance policies, and Fast Cover came out on top.

But what does ' value' mean? It means we looked at more than just price. Fast Cover doesn't include everything on its policies, but it offers good value.

InsureandGo has taken the top place for the 'Travel insurance - Domestic' category in the 2023 Finder Awards .

Why? We analysed 23 domestic policies and found that InsureandGo were generous with their benefit limits for things like cancellation and rental car excess insurance.

Southern Cross Travel Insurance is the winner of the 'Travel insurance - Seniors' category in the 2023 Finder Awards . Why? It has higher age limits and generous benefits.

We also appreciated SCTI's easy-to-read product disclosure statement. This means that customers can easily understand their policies, and travel with confidence.

Fast Cover Travel Insurance's COVID-19 Benefits & Refund Policy earned it a place among the finalists in the Insurance Innovation category of this year's Finder Innovation Awards .

It goes further than many other insurers, covering COVID medical expenses and evacuation, up to $5,000 for COVID-related cancellations and additional expenses.

Indonesia travel insurance: Common exclusions

Every travel insurance policy has things you won't be covered for. Common exclusions include:

• If you purchase cover after the incident has occurred. For example, if you take cover out after you've been injured and need medical attention.
• Pre-existing medical conditions. If you have any major medical conditions, make sure you let your insurer know before taking out a policy. Otherwise you won't be covered for claims related to that condition.
• You travel despite government travel advice. For example, if you travel to areas that have a warning from Smartraveller, such as the provinces of Papua (Papua), Papua Highlands (Papua Pegunungan), Central Papua (Papua Tengah) and South Papua (Papua Selatan), travel insurance may not cover you.
• Incidents that occur while you're under the influence of drugs or alcohol. For example, if you go out drinking in Jakarta, get injured and need medical attention, travel insurance won't cover you.
• Driving vehicles without a licence. Like Australia, you won't be covered for medical costs or personal liability expenses if you drive without a licence in Indonesia.

Will I be covered for COVID-19?

Travel insurance can cover you for COVID-19 in Indonesia. A policy can cover you for the following:

• Rearrangement costs if you catch the virus and need to change your plans. Lots of comprehensive travel insurance policies let you claim up to $5,000 towards these expenses.
• Medical costs due to COVID-19. This can include hospital expenses and RATs if you catch COVID-19 while overseas (but you won't be covered for mandatory PCRs).
• Expenses if you need to isolate. For example, if you catch COVID while you're overseas and need to push back your flight and stay in your accommodation longer.

How do I get cheap travel insurance for Indonesia?

• Medical only or basic policies will generally be the cheaper policies on the market.
• Use exclusive deals or promo codes to get a discount.
• Opt for a higher excess. This will make your policy cheaper but more expensive if you have to claim.
• Compare across a handful of travel insurers – they're not all the same.
• Get the most value by buying your policy early. It means you're covered for longer while paying the same price.

When I travel, I don't want to fork out a lot for travel insurance. I always get something above the bare minimum though which usually only covers medical-only expenses. Flight disruptions and delayed luggage are really common, so look for a cheap policy that covers me for these things.

Gary Ross Hunter Finder's travel insurance senior writer

What do I do in emergencies?

For emergencies: call 112 (police), 112 (ambulance) or 112 (fire).

In a medical emergency, call for help and then contact your insurer on their emergency assistance line.

Civil unrest, security risks, threat of terrorist attack and crime are a concern in Indonesia, but you should still be eligible for travel insurance. It won't cover all of these situations but it can help cover medical costs, stolen belongings and much much more.

Why you can trust Finder's travel insurance experts

FAQs about Indonesia

Which travel insurance is good for indonesia.

The cheapest policy will usually only cover you for medical expenses. However, flight disruptions and petty crime are fairly common in Indonesia so it may be worth getting comprehensive travel insurance. This can cover you for medical expenses, trip rearrangement costs, theft, luggage delay and more.

Do you need travel insurance to go to Indonesia?

The Australian government's smartraveller site recommends that you take out cover when travelling to Indonesia. If you can't afford travel insurance, you can't afford to travel.

Which travel insurance company has COVID cover for Indonesia?

Lots of travel insurers cover COVID-related expenses now. You can find a full table of the policies that cover COVID expenses on our homepage .

Is it safe to travel to Indonesia?

The Australian government smartraveller website says to exercise a high degree of caution in Indonesia. You should still be able to get travel insurance for Indonesia but make sure you do some research before you travel. There may be certain areas of the country that are not safe.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full profile

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Best Travel Insurance Indonesia: Price, Options & Requirements for 2024

Traveling through the lush landscapes of Bali or Lombok absolutely implies to secure the best travel insurance Indonesia to protect you against unexpected incidents.

This guide aims to highlight some of the best insurance services that provide cost-effective solutions for everyone, from young adventurers to long-term expats.

With common travel inconveniences such as baggage delays, flight cancellations and health emergencies, your comprehensive travel insurance for Indonesia isn’t just a suggestion : it’s a necessity.

• Do I Need Travel Insurance For Indonesia ?

There is no legal obligation to secure travel insurance for Indonesia, but it’s highly advisable given the unpredictable nature of international travel.

Indonesia, in particular, necessitates insurance coverage for potential problems like medical emergencies, lost or damaged baggage, travel delays or trip interruptions / cancellations.

• Is Travel Insurance For Indonesia Worth The Cost ?

Well, it often reveals itself in hindsight. While it is not a legal requirement, the peace of mind and financial protection it offers often outweighs the initial cost.

Imagine you have to face illnesses, missed flights or lost luggage during your trip. This can significantly disrupt your plans and financial balance, especially as the cost of medical treatment in Indonesia can be quite burdensome.

This is why we would highly recommend securing travel medical insurance to get a safety net against unexpected expenses.

This article provides an overview of benefits for informational purposes and should not replace personalized advice. The specifics of coverages, exclusions and benefits will be detailed in your individual insurance certificate. If there are uncertainties or queries, please consult one of our licensed agents for comprehensive guidance. Ensuring you fully understand your insurance policy’s provisions is essential in obtaining the optimal coverage for your unique needs.

• How Much Does Indonesia Travel Insurance Cost ?

Indonesia travel insurance cost varies widely based on several factors : duration and nature of the trip, coverage, individual profiles…

On average, you can expect to pay between $50 to $100 per week.

• Factors to Consider When Choosing Travel Insurance in Indonesia

Consider your needs, the trip’s duration, the coverage level and possible risks such as health issues, trip cancellation, lost luggage,and travel delays when choosing travel insurance.

Indonesia Travel Insurance Requirements

Despite comprehensive travel insurance plan not being a mandatory requirement anymore, we still highly recommend it for trips to Indonesia.

The following considerations will be pertinent :

• Fully vaccinated travelers no longer need quarantine or provide a COVID-19 test to enter Indonesia. But airlines may have different PCR test requirements.
• Travelers aged between 6-17 who are partially vaccinated may need to fulfill their vaccination requirements.
• Travelers showing COVID-19 symptoms upon arrival may need to take a PCR test and undergo quarantine at personal expense.
• In case of testing positive for COVID-19 in Indonesia, travelers will be moved to a designated medical facility or isolation site. Expenses incurred will be the traveler’s responsibility.

Indonesian Travel Insurance Coverage Options

Here are some of the coverage options that will be pertinent for your trip to Indonesia :

• Medical expenses : ensure coverage for treatments, hospitalization and emergency medical evacuation coverage.
• COVID-19 related costs : coverage for treatment and quarantine costs related to COVID-19.
• Trip interruption or cancellation : trip cancellation coverage due to unforeseen circumstances.
• Baggage loss or delay : coverage for lost, stolen or delayed luggage.
• Travel delays : coverage for extra expenses due to delayed or missed flights.
• Liability : coverage for legal liability if you accidentally cause harm to others.
• 24/7 assistance : reliable customer service for any immediate concerns or emergencies.

Limitations & Indonesia Travel Insurance Plans

Every travel insurance plan has specific limitations, which can impact the coverage you receive :

• Pre existing medical conditions : some plans might not cover medical expenses related to pre-existing health conditions.
• High-risk activities : some adventurous activities might be excluded from coverage.
• Maximum limits : plans often have a maximum limit for the total amount payable for each coverage type.
• Deductibles : you may be required to pay a portion of the expenses before the insurance kicks in.
• Region-specific exclusions : some regions or situations might be excluded due to higher risk, such as political unrest or natural disasters.

Indonesia Travel Insurance Cost

Travel health insurance costs for Indonesia vary significantly based on travel health insurance coverage level, trip duration and individual factors.

While it’s tempting to go for cheaper options, they often come with numerous restrictions and lower coverage limits, which might leave you underinsured in a crisis.

On the other hand, more expensive plans tend to offer comprehensive coverage with fewer limitations, for a more robust protection.

Assess not just the cost but also the extent of travel insurance cover, the reliability of the provider and the simplicity of the claims process.

Company Reputation

A reputable company signifies trustworthiness, reliability and long-standing experience in the industry.

It reflects a history of satisfied customers, timely claim settlements and robust customer support.

These companies often maintain transparency about their terms and conditions , which will allow you to understand what’s included and excluded and get more control on your global trip costs.

Travel Health Insurance Indonesia

Health insurance policies usually cover hospitalization, treatments and medications for illnesses or injuries, along with emergency medical evacuation expenses.

Many also include coverage for COVID-19-related treatment and quarantine expenses.

Remember to check whether the policy covers pre-existing conditions and emergency dental care. Telemedicine services , available in some policies, can also offer immediate medical consultation.

Coverage for Adventure Activities

Indonesia is a paradise for thrill-seekers and offers activities such as surfing, scuba diving, trekking and white-water rafting.

Hence, you will absolutely have to check whether your travel insurance covers such adventure sports .

Many policies exclude high-risk activities, so look for the best travel insurance for surfing in Indonesia or for a plan that can be customized to include these if you’re an adrenaline enthusiast.

• Our 5 Tips When Buying Indonesian Travel Insurance

Ensure you’re getting the best travel insurance for Indonesia for your needs.

With countless insurance companies and numerous plan options, choosing the right policy is often overwhelming.

Here are our top five tips to help you make the right choice :

• Compare quotes and coverage : different companies offer different prices for seemingly similar coverage. Don’t just go for the first option you see. Take the time to compare the quotes and the extent of coverage provided by different insurers.
• Read the fine print : details matter. Pay special attention to the policy exclusions and limitations. These are the specific conditions under which the insurance company won’t cover your costs. Make sure you understand these before you purchase a policy.
• Plan your trip in advance : the activities you plan on doing and the regions you plan on visiting in Indonesia will greatly influence the type of insurance coverage you need. Are you going to surf in Bali, trek in Papua or explore urban Jakarta? The more details you have about your trip, the better you can tailor your coverage.
• Check the claim process : a complex claim process can be a real headache at the time of an emergency. Check the insurer’s claims procedure. Is it straightforward ? Is there a 24/7 assistance line ? How long do they usually take to process a claim ?
• Consider your health : if you have pre-existing condition, ensure they are covered. Some policies exclude such conditions or require an extra premium to cover them. You should also check if emergency evacuation is covered.
• Types Of Travel Insurance For Indonesia

There are several types of contracts that you might consider for your trip to Indonesia :

• Medical care insurance : this type of insurance primarily covers healthcare costs incurred due to sudden illness or accidents during your trip. It can include hospitalization, medical treatments, medication costs and even medical evacuation to your home country if required.
• Trip Cancellation Insurance : this policy provides coverage if you have to cancel your trip for covered reasons before departure, or if your trip is interrupted due to covered events.
• Baggage coverage insurance : this policy covers the loss, theft or damage of your baggage and personal items during your travel, as well as baggage delay.
• Comprehensive travel insurance : it combines various coverages into one policy, including medical expenses, trip cancellation, baggage loss and travel delay benefits.
• Specialized Travel Insurance : this includes specific types of insurance catered to certain travel types like adventure travel insurance for high-risk activities.
• 3 Best Travel Insurance For Indonesia

After thorough research and consideration, we’ve distilled our findings to present you with the top 3 best travel insurance to Indonesia.

Compare the features and make a selection that suits your specific needs.

To keep things simple and avoid overwhelming you with choices, we’ve stuck to the top three options that offer the best combination of coverage, price and reliability.

1. SafetyWing – Overall Best Travel Insurance For Indonesia

If you’re seeking comprehensive travel insurance for Indonesia that provides a fine balance between affordability and inclusive protection, then SafetyWing is an excellent choice.

Highly rated by travelers worldwide, it is known for its extensive coverage and customer-centric approach.

Coverage & What to Expect

SafetyWing offers robust travel insurance suitable for both short vacations and long-term travels in Indonesia.

It covers a range of emergencies : medical treatment, emergency evacuation, trip interruption and unexpected accommodation expenses due to flight delays.

It also provides coverage for lost checked luggage.

Key benefits of SafetyWing insurance include 24/7 global assistance for emergencies.

Their COVID-19 coverage, applicable even if the disease is contracted before your trip, sets them apart from many competitors.

The policy also covers one child per adult, up to two children, under the age of 10 at no additional cost. So it’s a perfect choice for families.

Disadvantages

Despite its extensive benefits, SafetyWing has its limitations.

For instance, it does not cover trip cancellation nor extreme sports . Pre-existing medical conditions and routine check-ups are also not covered.

The maximum limit for travelers over 69 is also pretty low.

Starting at a reasonable rate of $45 for 4 weeks (prices vary depending on factors like age and coverage options), SafetyWing offers impressive value for its comprehensive coverage.

Don’t wait any longer, secure your SafetyWing travel insurance today and prepare for your Indonesian adventure with a relaxed mind knowing you’re well-protected.

2. World Nomads – Best Travel Insurance For Indonesia For Active Trips

Are you an adventure seeker or a thrill lover ?

World Nomads provides an ideal solution. Particularly favored by surfers, it’s the best travel insurance for surfing in Indonesia .

The insurer recognizes the adrenaline-filled desires of its policyholders and provides coverage for a wide array of adventurous activities.

World Nomads offers extensive coverage that includes medical expenses, emergency evacuation, trip cancellation, trip interruption and baggage loss.

It covers a vast array of adventure activities – over 200, including surfing.

So, whether you are catching waves off the coast of Bali or exploring the dense rainforests of Sumatra, you can be assured that World Nomads has your back !

One of the main advantages of World Nomads is its flexibility. You can buy and extend your policy online, even after you’ve left home.

It also provides coverage for a wide range of adventure sports and activities. The 24/7 emergency assistance ensures immediate help whenever you need it.

While World Nomads offers excellent coverage, it’s slightly pricier than other options, plus the policy does not cover pre-existing medical conditions.

Certain adventure activities may require an additional premium or may not be covered at all depending on the circumstances and the risk level.

Prices for World Nomads policies vary based on your country of residence, destination and the duration and nature of your travel.

The standard plan starts at $85 per month and the Explorer plan with high risk activities coverage starts at $155.

Click here to secure your World Nomads travel insurance now. Your exciting and carefree Indonesian adventure awaits !

3. Heymondo – Best Travel Medical Insurance For Indonesia

If your primary concern is to subscribe to the best medical insurance during your Indonesian trip, Heymondo fits the bill.

Known for its comprehensive medical care , it’s a go-to choice for travelers prioritizing medical costs coverage.

Heymondo’s travel insurance coverage is extensive, with a particular emphasis on medical aspects .

The policies include emergency medical and dental expenses, hospitalization, medical evacuation and repatriation.

Also included are non-medical aspects like trip interruption, travel delay, lost or delayed luggage, as well as personal liability.

Heymondo stands out for its comprehensive medical coverage and the simplicity of its claims process.

They offer a 24/7 multilingual assistance service and a mobile app for immediate medical consultation and easy management of incidents.

The app includes an ‘SOS’ button for emergencies that offers immediate assistance without the need for an upfront payment.

Heymondo’s main focus is on medical coverage, so while their medical provisions are comprehensive, some non-medical coverages might not be as extensive as other insurers.

Their policies may also be slightly more expensive due to the higher medical coverage limit.

Heymondo’s pricing varies based on the duration, destination and specific plan chosen.

It ranges from $36 for seven days to $384.85 for HeyMondo Premium for 90 days.

And it’s worth every penny !

Don’t compromise on your health during your travels. Click here to secure your Heymondo travel medical insurance now.

Good to Know – Emergency Assistance Numbers & Embassy Phone Numbers in Indonesia

In case of emergencies in Indonesia, keep these numbers at your fingertips :

Emergency Contacts:

• Fast Medical Assistance : 118/119
• Search and Rescue : 115
• Police: 110 Fire Department : 113
• Tourism Information : 116

Embassy Contacts in Jakarta

• US: +62-21-5083-1000
• Australia: +62-21-2550-5555
• New Zealand: +62-21-299-55800
• Canada: +62-21-2550-7800
• UK: +62 (21) 2356 5200
• Final Travel Safety Tips When Traveling To Indonesia

Always carry some local currency for unexpected expenses , but avoid flashing large sums of money in public.

Public transport varies in reliability, so consider prearranged transportation whenever possible. Beware of petty crimes like pickpocketing, particularly in crowded places.

In general, respect local customs and laws, stay informed about local news and follow advice from reliable sources.

Finally, always have your hotel’s contact information and address written in the local language in case you get lost.

• The Safest Top Tourist Destinations In Indonesia

For a worry-free holiday in Indonesia, consider these destinations known for their safety :

• Bali : known for its serene beaches and ancient temples.
• Yogyakarta : renowned for its rich historical and cultural heritage.
• Bandung : famous for its colonial architecture and tea plantations.
• Surabaya : offers a mix of urban life and historical landmarks.
• Medan : known for its diverse culinary scene and beautiful lake Toba.

Bali visit? Read first – Do you need a visa for Bali?

Is travel insurance mandatory for Indonesia ?

Travel insurance isn’t legally mandatory for Indonesia, but it’s highly recommended to cover potential medical expenses or travel disruptions.

Can I buy Indonesian travel insurance after I booked the trip ?

Yes, you can buy travel insurance after booking your trip. However, purchasing it earlier remains better as it can cover pre-departure cancellations.

Who is best for travel insurance to Bali ?

SafetyWing and World Nomads are excellent choices for travel insurance to Bali.

Is Indonesia safe for US travelers ?

Yes, Indonesia is safe for US travelers. However, always stay vigilant and follow safety guidelines and travel advisories and subscribe to the best travel insurance for Indonesia from the US.

Can I buy travel insurance at Bali airport ?

Yes, you can but we would advise you to purchase travel insurance online before departure for better comparison and selection.

What kind of insurance do I need to travel to Indonesia ?

You’ll need travel insurance covering medical expenses, trip cancellations, baggage loss and potentially adventurous activities coverage.

How to bring medications to Indonesia ?

Bring prescriptions for any medications, store them in original packaging and check with the Indonesian embassy about any restrictions.

Look for the best travel insurance in Indonesia that covers medical emergencies, trip cancellations, baggage loss and adventurous activities coverage.

This guide is designed to help you choose the best travel insurance for Indonesia and secure comprehensive coverage for your trip.

Now you must be able to understand coverage limitations, costs involved and the importance of opting for a reputable insurance company.

SafetyWing , World Nomads and Heymondo are standout options, as each caters to distinct travel needs. Now it’s all about making your Indonesian adventure one for the books, and the right insurance plan can give you just the peace of mind you need !

• Good to Know - Emergency Assistance Numbers & Embassy Phone Numbers in Indonesia

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• Travel Insurance Bali

On This Page

• Key takeaways

Do I need travel insurance to visit Bali?

Our top picks for the best travel insurance for bali, why bali travel insurance is important, how much does travel insurance for bali cost, what does travel insurance for bali cover, what isn’t covered by travel insurance for bali, tips for getting the best bali travel insurance, bali travel information & requirements, faq: bali travel insurance, related topics.

Travel Insurance for Bali: US Visitor Requirements & Quotes

• You’ll need a visa and a valid U.S. passport to travel to Bali.
• It’s a good idea to purchase travel medical insurance because Indonesia does not accept U.S. health insurance .
• According to our research, our top picks for travel insurance for Bali come from Seven Corners, Travelex and Tin Leg ( skip ahead to view these plans ).
• While the cost of travel insurance varies depending on the provider, type of coverage and more, the cheapest plans can cost as little as $1 per day .
• To find the best deal, we recommend using an online comparison tool . This way, you can view multiple quotes and coverage options at once.

If you’re in the mood for an island getaway, you can’t go wrong with a trip to Bali. Breathtaking waterfalls, sandy beaches, mountain summits and hidden caves await you.

Before you pack your bags, however, we highly recommend that you purchase comprehensive Bali travel insurance.

In this guide, we’ll help you understand:

• Travel requirements for Bali
• Why it’s important to purchase a comprehensive travel insurance plan
• What travel insurance for Bali covers and doesn’t cover
• How to find the best travel insurance policy for your needs

Our top picks for the best travel insurance bali

• Seven Corners: Best for Robust Coverage
• Travelex Insurance Services: Best Rated Travel Insurance
• Tin Leg: Best for Travel Delays

Seven Corners

Travelex insurance services.

There’s no legal requirement to have travel insurance , but we highly recommend purchasing a travel plan with coverage for trip cancellation, trip interruptions, medical expenses, medical evacuation and other common scenarios.

A good travel insurance plan protects you from significant financial losses in the following circumstances:

• You incur unexpected medical expenses while you’re island-hopping in Indonesia.
• You need emergency evacuation services due to a severe illness or injury.
• An unforeseen natural disaster forces you to cancel your trip or end it early.
• The airline loses or damages your luggage.
• An unexpected delay forces you to stay in Indonesia for longer than planned.

Best for Robust Coverage

Why we like it.

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Best Rated Travel Insurance

• Plans can be customized with upgrades
• Children 17 and under included for free with some plans
• Coverage for pre-existing medical conditions available
• CFAR coverage is available as an add-on to a comprehensive travel insurance plan
• Optional CFAR coverage only reimburses 50% of prepaid travel expenses, which is less than some competitors
• Travel Select plan only has $50,000 in coverage for emergency medical expenses, which is lower than some competitors
• The baggage delay benefit requires a 12-hour waiting period
• CFAR coverage is not available with all Travelex plans

Best for Travel Delays

• Coverage for pre-existing conditions
• Cancelation & interruption coverage
• Offers hurricane and weather coverage

Risk of volcanic eruptions and natural disasters

Indonesia is located in the Ring of Fire, a belt of earthquakes and volcanoes surrounding much of the Pacific Ocean. Therefore, there’s a high risk of volcanic eruption. Some insurance companies classify volcanic eruptions as foreseen events, which means they won’t cover trip cancellations or interruptions due to volcanic activity. Other firms treat them as unforeseen events.

Risk from sporting activities

Bali is home to Mount Batur, West Bali National Park and other points of interest. If you decide to go trekking, try SCUBA diving or participate in other adventure activities, you’ll need a comprehensive travel insurance policy to protect you. Depending on the type of policy you buy, your insurer may reimburse you for unforeseen medical expenses, medical evacuation costs and other expenses associated with adventure sports.

Note that most standard insurance plans don’t include this type of coverage. If you want coverage for risky activities, you’ll need to add it to your Bali travel insurance policy.

Risk of a driving accident

Bali doesn’t have a strong public transportation system, so many people use motorbikes and mopeds to get around. When you ride a motorbike or a moped, you don’t have the body of a vehicle around you for extra protection. Therefore, you may sustain serious injuries if you’re involved in an accident.

The risk of accidents is also higher for motorbikes and mopeds than it is for standard cars and trucks, especially if you ride with someone who darts around traffic or drives at a high rate of speed. A comprehensive travel insurance plan covers medical expenses and other costs arising from this type of accident.

According to official sales data from Squaremouth , travel insurance for Indonesia costs, on average, $262.90.

Our official sales figures over the past year show that our customers paid an average of $122.46 for travel insurance to Bali and wider Indonesia.

Based on our research, the cheapest travel insurance for Bali costs just under $1 per day for basic coverage. Alternatively, we found that a more comprehensive policy will cost around $7 to $11 per day.

To help give you a better idea of how much travel insurance costs for Bali, used our online comparison tool to get quotes from different providers.

We applied this information to our quotes:

• Age: 35 years old
• Destination: Indonesia
• Trip Length: 7 days
• Trip cost: $2,000

The table below shows quotes for basic travel insurance from four different providers. These plans range from less than $1 per day to $6 per day .

Example Where Plan Doesn’t Reimburse the Full Trip Cost

The next table shows quotes from the same four providers. However, these plans are more comprehensive. They include trip cancellation and trip interruption coverage. We found these plans cost between $7 and $11 per day .

Example Where Plan Does Reimburse the Full Trip Cost

Keep in mind that several factors affect the cost of Bali travel insurance, including:

• The total cost of your trip
• The duration of your trip
• What type of coverage you buy

Depending on what type of travel insurance policy you buy, your plan may cover the following situations.

Trip cancellation insurance

Trip cancellation coverage reimburses your prepaid, nonrefundable expenses in the event you have to cancel your trip for a covered reason. For example, if you come down with a serious illness before your departure date, you may qualify for reimbursement of up to 100% of your prepaid costs.

This type of insurance only covers unforeseen events, which are things that happen suddenly and unexpectedly. For example, if you book your trip after a named storm has already developed near Bali, you won’t be able to get your money back if the storm forces you to cancel your trip. Severe illness, job loss and the death of an immediate family member are all examples of unforeseen events covered by trip cancellation policies.

Some companies also offer cancel-for-any-reason insurance , commonly abbreviated CFAR. This type of insurance allows you to get your money back if you have to cancel for a reason that isn’t covered by your standard travel insurance plan.

Assume your travel companion decides they want to go to Bora Bora instead of Bali. That’s not a good enough reason to cancel under a standard plan, but you can get your prepaid, nonrefundable expenses back if you paid for CFAR coverage.

Trip delay insurance

During your trip, you’ll probably use at least one common carrier, which is a company that provides transportation services to the public. This includes commercial airlines, railroads, cruise lines and bus companies.

If you’re delayed due to a problem with one of these carriers, your travel insurance will reimburse you for any expenses arising from the delay . For example, if an airline cancels your flight, causing you to arrive in Indonesia a day later than planned, your insurance company may reimburse you for the money you spent on meals and toiletries related to the delay.

Trip interruption insurance

Sometimes you depart on time and have to end your trip early due to unforeseen circumstances. This is why you need trip interruption insurance. This type of coverage reimburses you for expenses associated with a covered event . Imagine that you’re hiking through the Indonesian wilderness. Suddenly, you fall from a great height, breaking both legs. You won’t be able to continue your trip as planned, the perfect time to use your trip interruption benefits.

Your insurance company may also cover your repatriation costs, which are the costs associated with returning to your home country. For example, if you have to change your flight, a last-minute ticket may cost $500 or $1,000 more than you already spent. Trip interruption insurance covers these expenses.

Travel medical insurance

U.S. health insurance generally doesn’t cover medical emergencies that occur overseas . Travel medical insurance covers expenses arising from unexpected illness and injuries, ensuring that you don’t leave Bali with a huge hospital bill. For example, if you get into a motorbike accident, you may have to spend several days in a medical facility. Travel insurance will cover your room and board, nursing care, lab tests, X-rays and other healthcare services.

Medical evacuation insurance

Some areas of Indonesia are rather remote. If you’re exploring some of Bali’s hidden caves, for example, there’s a chance you’ll fall and injure yourself. Unfortunately, the closest hospital may be 50 miles away . Medical evacuation insurance covers the cost of transporting you to the nearest medical facility equipped to treat you.

Insurance for personal items

Personal item coverage, also known as baggage and personal effects insurance, protects you in the event your personal items are stolen or damaged while you’re traveling. For example, if an airline employee damages your camera, you may be able to get reimbursed by your insurance provider.

Rental car coverage

Rental car coverage protects you any time you’re using a covered vehicle. Due to poor lighting, Bali’s streets are rather difficult to navigate at night. You may also encounter drivers who refuse to follow local traffic laws.

If you’re in an accident, or if someone vandalizes or steals your rental vehicle, your insurance company will reimburse the rental car agency . The reimbursement is usually limited to the cost of repairs or the value of the vehicle. Note that your travel insurance policy may exclude some vehicle makes and models.

Standard travel insurance doesn’t cover the following:

• Pre-existing medical conditions: If you’re diagnosed with or have symptoms of a health condition before you book your trip, you have what’s known as a pre-existing condition . A standard travel insurance policy won’t cover any expenses arising from this type of condition. However, you may be able to purchase a pre-existing condition waiver.
• Foreseeable events: Travel insurance doesn’t cover events that a reasonable person could have predicted.
• Bad weather: You may not want to sit on the beach while it’s raining, but bad weather isn’t covered unless it results in some type of unforeseeable event.
• Normal pregnancy: If you get pregnant after you purchase your travel insurance policy, your travel insurance won’t cover routine pregnancy expenses . However, it may cover medical expenses arising from an unforeseen pregnancy complication.
• Illegal activities: Travel insurance doesn’t cover expenses arising from illegal drug use or other criminal activities.

To get the best travel insurance for your needs, consider the following factors:

Transportation method.

If you plan to stay at a resort all week, you may not need to pay for rental car coverage. However, you may need extra insurance if your trip includes multiple common carriers.

Travel preferences.

If you love to climb mountains, explore caves and hike difficult trails, you’ll probably need more insurance than someone who plans to lounge on the beach for their entire vacation.

Date of purchase.

Travel insurance typically costs more if you wait until the last minute to purchase it. To save money, consider purchasing a policy as soon as you finalize your plans.

Are there COVID-19 restrictions for U.S. tourists?

Although the U.S. State Department encourages American travelers to get the COVID-19 vaccine, Bali’s government has no COVID-related restrictions for U.S. tourists. Indonesia  stopped requiring proof of vaccination  on June 9, 2023.

Do I need a visa or passport to travel to Bali?

Yes. You need a valid U.S. passport with at least two blank pages for your entry stamp. Your passport must be valid for  at least six months  following your scheduled arrival date.

You also need to obtain a visa from Indonesia’s  e-Visa system  before your trip. Indonesia offers single-entry visas as well as multi-trip visas. The cost of a visa depends on the length of your stay and the reason you plan to visit Bali. For example, it costs IDR 1,500,000 (around $96) to purchase a single-entry tourist visa for stays lasting no more than 60 days.

Is it safe to visit Bali?

Bali is relatively safe, but it does have an increased risk of natural disasters due to its location in the Lesser Sunda Islands. There’s also some risk of terrorist activity in Bali and other parts of Indonesia. Protect yourself by taking common-sense precautions during your trip.

Is travel insurance mandatory for Indonesia in 2024?

No. You’re not required to purchase travel insurance before you travel to Indonesia.

What documents are required for Bali travel?

To travel to Bali and other parts of Indonesia, you must have a valid U.S. passport and a visa.

Does Bali require COVID insurance?

No. Bali ended the last of its COVID-related restrictions in mid-2023. However, it is still a good idea to make sure you purchase  travel insurance with covid coverage .

About the Author

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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AIG Travel Insurance Indonesia

A complete travel protection that covers flight delay, trip cancellation, 24/7 worldwide assistance & more.

Travel Insurance for Indonesia

With an astounding number of more than 17,000 islands and over 300 languages spoken across the country, Indonesia offers a diverse and dramatic landscape that attracts visitors with its white sandy beaches and coral reefs in the islands of Pulau Banyak, remote jungle trekking with volcanic vistas in the Kerinci Seblat National Park, lush green rice terraces in Tegalalang and the oldest and largest ancient shrines in Gunung Kawi. A trip to Indonesia is not complete without a visit to the Komodo National Park, declared as one of the new seven wonders of nature, a sprawling natural preserve that protects the world’s only living dragons from extinction.

Public transportation is the cheapest way to get around and local food is extremely cheap compared to western food, so you can lepak and enjoy a new variety of Asian cuisine on your trip. Don’t be afraid to say ‘mahal’ (expensive) as most prices offered by sellers here can be bargained or haggled for lower price. If you intend to hop around using local airlines, book flights through local travel agents as non-Indonesian credit cards are not accepted online. If you’re one of many that has made a beeline to Bali for an island holiday, do consider getting travel insurance to Bali, especially if you are volcano trekking to Mount Batur for stunning views and sceneries!

Why do you need Travel Insurance to Indonesia?

By covering yourself with AIG travel insurance, all your concerns during travel will be taken care of, for example, if you met with an unexpected accident, your trip had to be canceled due to unforeseen circumstances, or your personal belongings stolen when you’re there; you can be rest assured that we’ll take care of you by reimbursing the expenses and by ensuring that you won’t need to worry about these inconveniences.

Buy Travel Insurance for Indonesia with AIG

Purchase AIG travel insurance for Indonesia online and you will easily obtain comprehensive protection in just a few clicks. From as low as RM30, AIG travel insurance even covers trip cancellation, so even if you are forced to cancel or cut short your trip for reasons covered under our policy, your expenses will be covered and reimbursed seamlessly for your convenience.

Our benefits include:

Comprehensive coverage

Besides overseas emergency medical expenses, medical evacuation costs and personal accident coverage, AIG will provide cover if you are forced to cancel or cut short your trip for reasons covered under our policy. Any flight departure delays, baggage delays, baggage damage or loss, personal items damage or loss due to theft or negligence by service providers, AIG will cover for you.

Medical & Personal Accident Cover

Depending on the plan and product purchased, AIG will cover up to unlimited medical expenses and up to RM 500,000 for personal accidents in Indonesia. Our travel assistance team is on call by phone 24/7 to assist you in any emergency situation, ensuring that you receive appropriate medical care in Indonesia.  

Trip Cancellation Cover

AIG will reimburse you for non-refundable expenses incurred if your trip to Australia is cancelled due to specific events, within 60 days before your departure date.

Natural Disasters

If natural disasters occur in Indonesia such as earthquakes, floods or volcano eruptions, AIG will pay for expenses caused by these travel inconveniences.

Travel Inconvenience

If you experience travel inconveniences such as delays, loss or damage to your personal belongings, including your checked-in baggage, you will be covered by AIG.

AIG Global Assistance Service

Our 24-hour Emergency Assistance Team delivers fast and efficient aid if you are injured during an accident or if you are ill, requiring hospitalization in Indonesia.

Helplines during emergency in Indonesia

If you are insured with AIG when you travel in Indonesia, keep our 24/7 contact no.  603-27725600  with you at all times to process claims and medical emergencies.  

Dial  110  for police,  118  for ambulance and  113  for fire.  

Contact details of Embassy of Malaysia in Indonesia: Address : Jl. H.R. Rasuna Said, Kav.X/6, No. 1-3, Kuningan, 12950, Jakarta Selatan Phone:  (6221)5224947 Fax: (6221)5224974

Secure your journey to Indonesia with peace of mind. Get your travel insurance now! For more information about our other insurance products, click  here

Want to know more about AIG Travel Insurance?

Read in detail about:  

- 24/7 Travel Assistance Service

- Download & Claims

Tel: 1800 88 8811

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, indonesia travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Travelling to Indonesia for an exotic getaway? Or more specifically,  Bali ? Either way, InsureandGo offer a great range of travel insurance , no matter where you’re going or what you’ll be getting up to.

All of our policies provide cover for  over 50 amazing sports and activities as standard  so you can get up to more on your holiday. We also  consider all medical conditions  and have  no upper age limit , so get in touch today or simply  get a quote online .

Before you buy travel insurance for your holiday to Indonesia, there are a few things to think about:

• The cost of your trip – if you have to cancel, it’s important to know that you can get your money back
• The activities you’re likely to be doing – if you’re planning anything really extreme, we can offer you extra cover with our  adventure and extreme sports policy
• How much medical coverage you have – no-one wants to think about getting ill or having an accident abroad but, unfortunately, it does happen
• Always check the  latest travel advice for Indonesia from the FCDO

Our Coronavirus Travel Insurance is rated Superior by a leading UK Consumer Champion. All of our policies will cover you if you catch Coronavirus.

What’s covered with our travel insurance to Indonesia?

As standard, our cover to Indonesia will include:

• Medical expenses and hospital benefit
• Personal accident and liability
• Cancelling and cutting short your holiday
• Abandoning your trip
• Delayed departure
• Accommodation cover
• Personal belongings and baggage
• Personal money, passport and travel documents
• Legal expenses

What if you’re travelling to more than one island in Indonesia?

We should be able to cover you from the date that you leave your home country until the date that you return from Indonesia. This means we can cover travelling to multiple destinations as part of your holiday.

To make sure you’re covered, check:

• That the policy you’ve chosen covers you for all the regions that you plan to visit
• None of the places you’re visiting are against the advice of the FCDO (unless that advice relates solely to Coronavirus; read about our Coronavirus travel insurance for more details)
• That the duration of your holiday is covered – different policies have different maximum trip lengths
• You’ve got all the visa requirements needed for each country you’ll be visiting

Do I need a visa for Indonesia?

If you’re a British citizen with a valid passport, you’re allowed to visit Indonesia for up to 30 days without a visa. If you’re planning on visiting longer than 30 days, then you’ll need to apply for a visa with the  Indonesian Embassy .

Healthcare in Indonesia

Indonesian healthcare facilities are in quite poor condition, which often makes it difficult to find services in remote areas that can properly tend to serious injuries or illnesses. Good medical care can be found in Indonesia, however it can be very expensive.

It’s also important to be aware that there’s a risk of volcanic ash pollution which can reduce the quality of the air, which could potentially have an effect on health, particularly for those who have pre-existing medical conditions such as asthma . You can find out more information about  volcanic health hazards for ash here .

It’s important that before your trip you make sure that you have adequate medical travel insurance . This is so you can rest assured knowing that you’re covered if anything were to happen. We would also recommend that you speak to your GP at least four to six weeks prior to travelling, to check whether there are any vaccinations or other preventative measures needed.

You can find more information about  healthcare in Indonesia here .

For information about  Bali travel insurance  click on the image below:

Or check out our  policy documents  if you still can’t find what you’re looking for.

Can you help if I need medical treatment while in Indonesia?

Yes – all our policies come with access to our 24-hour emergency assistance team, so there will always be someone here to help you if you become ill or are injured while abroad.

If you need assistance just give our emergency medical team a call any time, day or night.

• Unlimited emergency medical expenses available on Black level policies.
• InsureandGo’s Gold achieved a Which? Best Buy.

Travelnurin

Get Cheap Travel Insurance In Indonesia

Afif Muntakli

November 23, 2023

Insurance is an essential aspect of travel planning, protecting you from unexpected events and providing peace of mind during your trip. When it comes to finding travel insurance in Indonesia, cost is often a significant consideration. However, cheap travel insurance doesn’t mean compromising on coverage. In this article, I will discuss the benefits of cheap travel insurance in Indonesia, factors to consider when choosing a policy, tips to find affordable coverage, popular insurance providers, common exclusions, and tips for making a claim. By the end of this guide, you will be equipped with the knowledge to secure the best and most affordable travel insurance for your Indonesian adventures.

Benefits of Cheap Travel Insurance Indonesia

Affordable travel insurance offers numerous advantages for travelers visiting Indonesia. These include:

1. Cost savings

By opting for cheap travel insurance, you can save a significant amount of money on your policy premiums. This allows you to allocate your budget towards other travel expenses or experiences.

2. Basic coverage

While cheap travel insurance may not provide extensive coverage, it usually includes essential benefits such as medical expenses, emergency medical evacuation, trip cancellation, and lost baggage. These basic coverages ensure that you have a safety net in case of unforeseen circumstances.

3. Peace of mind

Traveling to a foreign country can be exciting but also comes with inherent risks. Cheap travel insurance provides peace of mind, knowing that you are protected financially in case of emergencies or unforeseen events.

Factors to Consider when Choosing Cheap Travel Insurance Indonesia

When selecting affordable travel insurance in Indonesia, it’s important to consider the following factors:

1. Coverage limits

Check the coverage limits provided by the insurance policy. Ensure they are sufficient to cover potential medical expenses, trip cancellation costs, or lost baggage. Low-cost policies may have lower coverage limits, so evaluate your needs carefully.

2. Exclusions

Review the list of exclusions in the policy. Some cheap travel insurance plans may exclude certain activities or pre-existing conditions. Make sure you are aware of these exclusions to avoid any surprises when filing a claim.

3. Reputation of the insurance provider

Research and read reviews about the insurance company offering cheap travel insurance. Look for a reputable provider with a good track record of customer satisfaction and prompt claim settlements.

Tips to Find Cheap Travel Insurance Indonesia

1. compare multiple insurance providers.

Request quotes from different insurance providers and compare their coverage and premiums. This allows you to find the best deal that suits your budget and requirements.

2. Opt for a higher deductible

Choosing a policy with a higher deductible can help lower the premium cost. However, ensure that you can comfortably afford the deductible amount in case you need to make a claim.

3. Consider multi-trip or annual policies

If you are a frequent traveler, consider purchasing multi-trip or annual policies. These policies often provide more cost-effective coverage compared to purchasing individual policies for each trip.

Popular Travel Insurance Providers in Indonesia

Some reputable travel insurance providers in Indonesia that offer affordable coverage include:

Common Exclusions in Cheap Travel Insurance Indonesia

While cheap travel insurance may offer necessary coverage, it’s important to be aware of common exclusions. These may include:

• Pre-existing medical conditions
• Adventure sports or activities
• Acts of terrorism or war
• Non-essential travel

Frequently Asked Questions about Cheap Travel Insurance Indonesia

1. is cheap travel insurance sufficient for my needs.

Cheap travel insurance provides basic coverage but may not offer extensive benefits. Evaluate your travel requirements and choose a policy that adequately meets your needs.

2. Can I purchase travel insurance after arriving in Indonesia?

Several insurance companies offer policies that can be purchased after arriving in Indonesia. However, it’s recommended to purchase insurance before your trip to ensure coverage from the start.

3. Can I extend my cheap travel insurance coverage if my trip is extended?

Some insurance providers allow policy extensions. Contact your insurance company directly to inquire if you can extend your coverage.

4. Are pre-existing medical conditions covered under cheap travel insurance?

Typically, pre-existing medical conditions are excluded from coverage in cheap travel insurance plans. However, it’s best to review the policy details and consult with the insurance provider for any specific conditions.

5. How do I make a travel insurance claim in Indonesia?

To make a travel insurance claim in Indonesia, contact your insurance provider immediately and follow their claim procedure. Provide all necessary documentation, such as medical reports or receipts, to support your claim.

Tips for Making a Travel Insurance Claim in Indonesia

When making a travel insurance claim in Indonesia, follow these tips to ensure a smooth process:

1. Document all incidents

Keep records of any incidents, accidents, or losses, including photographs, police reports, and medical records. These documents will support your claim.

2. Notify the insurance provider promptly

Inform your insurance provider as soon as possible about any claims. They will guide you through the necessary steps and documentation required.

3. Keep copies of all communication

Maintain copies of all communication with the insurance company, including email exchanges and claim forms. This will help you track the progress of your claim.

Travel insurance is essential for any trip to Indonesia, and finding affordable coverage is possible without compromising on protection. By considering the factors mentioned, comparing insurance providers, and being aware of common exclusions, you can find cheap travel insurance that suits your needs. Remember to read the policy details carefully and follow the tips for making a claim to ensure a hassle-free travel experience.

Q: Can I modify my travel insurance policy after purchasing it?

A: Some insurance providers allow policy modifications, such as adding additional coverage or extending the policy duration. Contact your insurance company to inquire about their policy modification options.

Q: Are natural disasters covered under cheap travel insurance?

A: Natural disasters are generally covered by travel insurance policies. However, it’s essential to review the policy details and understand the specific coverage limits and exclusions related to natural disasters.

Q: Do I need travel insurance if I have a European Health Insurance Card (EHIC)?

A: While the European Health Insurance Card provides coverage within the European Union, it may not cover all travel-related expenses, such as trip cancellation or lost baggage. It’s advisable to have additional travel insurance for comprehensive coverage.

Q: Do I need to keep receipts for claiming lost baggage?

A: Yes, it’s important to retain receipts and proof of ownership for any lost baggage claims. This documentation will help support your claim and expedite the process.

Q: Does cheap travel insurance cover trip delays or missed connections?

A: Cheap travel insurance policies may offer coverage for trip delays or missed connections. However, review the policy details to understand the specific coverage limits and requirements for making a claim in such situations.

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Best Travel Insurance for Bali – Price & Requirements

Home | Travel | Asia | Indonesia | Bali | Best Travel Insurance for Bali – Price & Requirements

Buying travel insurance for Bali should be one of the first things you do before you jet off to this fantastic destination. After all, you never know when a vacation will be interrupted by a broken leg, lost luggage, or a flight delay. Having Indonesia travel insurance , or insurance for travel to Bali specifically, means you won’t be stuck with tons of extra fees if something unexpected happens.

Best Travel Insurance for Bali – Price & Requirements

When we went to Bali, we purchased Heymondo travel insurance before our trip. As it turned out, this was a very smart decision since I ended up needing medical treatment during the trip. Even if nothing had gone wrong, though, travel insurance for Bali was worth having just for the peace of mind it gave us.

15% OFF your travel insurance

Of course, to have the perfect trip, you’ll also need to decide what things you want to do in Bali and where to stay in Bali . In terms of Bali travel insurance , though, these are all the things you need to know:

Is travel insurance mandatory for Bali?

How much is travel insurance for Bali?

• Best travel insurance for Bali

Ready to learn more about the best travel insurance for Bali ? Let’s get to it !

Travel insurance for Bali is not currently mandatory. Still, purchasing travel insurance that covers COVID-19 is always a smart idea.

After all, you never know when you’ll get sick or injured while you’re traveling. Plus, paying medical fees out of pocket can get incredibly expensive. On top of that, having insurance for travel to Bali will allow you to get reimbursed if you cancel a hotel reservation at the last minute, lose your luggage, or need to quarantine. It’s always better to buy travel insurance for Bali and not need it than to go without it and up paying tons of fees.

Bali travel insurance requirements

Even though travel insurance for Bali is not an entry requirement, there are still several types of coverage that you should have if you do decide to purchase insurance. COVID-19 coverage is absolutely imperative, as is emergency medical expense coverage, particularly since medical care can be costly. Evacuation and repatriation coverage, which covers return travel to your home country for medical treatment or because of political events, is also crucial.

As such, you should, at a minimum, purchase travel health insurance for Bali . If you’d prefer to have travel-related coverage as well, look for travel insurance with trip cancellation and baggage coverage .

The price of travel insurance for Bali will depend on your age and nationality, as well as the length and cost of your trip. To help you get an idea of how much insurance for travel to Bali costs , I used the example of a 30-year-old American spending a week in Bali with a trip cost of $2,500 to generate quotes.

*price used for example

Ultimately, all four of the Bali travel insurance plans I’ve compared have their merits. The best overall travel insurance for Bali , however, is Heymondo , especially since they pay travelers’ medical expenses directly and upfront. If you’d prefer to save money and just have medical-related coverage, SafetyWing is another excellent option, but bear in mind it has a deductible of $250 per claim .

1. Heymondo , the best travel insurance for Bali

If you want the best travel insurance for Bali , look no further than Heymondo . Not only does their Top plan offer a high amount of coverage in all categories, but it’s also the most affordable option with both travel- and medical-related coverage.

On top of that, Heymondo is the only Bali travel insurance company that pays for travelers’ medical expenses directly and upfront, saving you the hassle of filing a claim to get reimbursed. The convenience of this payment process as well as the company’s excellent customer service have enabled Heymondo to consistently rank as one of the best travel insurance companies .

Best of all, the Top plan includes a $0 deductible for medical expenses, so you won’t have to pay a single penny out of pocket for any medical fees.

Heymondo has several amazing benefits and very few downsides, which is why we have annual multi-trip insurance with this company. Since we’ll be taking a number of trips over the next year, this policy saves us a lot of money. You can learn more in our Heymondo review and save 5% on your plan with the promo code below.

2. SafetyWing , a cheap travel insurance for Bali

Saving money on travel insurance doesn’t have to mean poor coverage. Purchasing travel health insurance will ensure you get the medical coverage you need without the higher cost of covering travel-related expenses.

SafetyWing is by far the best health insurance for Bali travel option. Their Nomad Insurance plan offers great worldwide coverage in all medical-related categories, plus it’s the most affordable Bali travel insurance of all the plans I compared. You can even choose to automatically extend your plan every month if you want to keep traveling, so it’s ideal for digital nomads looking for long-term travel insurance .

The Nomad Insurance plan does offer some limited travel-related coverage for baggage loss and trip interruption, but this coverage is not as comprehensive as that of other travel insurance plans. Moreover, the plan’s $250 deductible means you’ll have to pay $250 towards any medical bills before SafetyWing covers the remaining balance.

As such, if you’d prefer a $0 deductible or want better travel-related coverage, Heymondo is your best bet.

3. World Nomads , the best holiday insurance for Bali for sporty travelers

If you’re planning a vacation full of adventurous activities, World Nomads is the perfect choice for holiday insurance for Bali . Their Standard plan covers tons of activities and sports, including surfing and snorkeling, two of the best things to do in Bali .

You’ll also enjoy good coverage in all travel- and medical-related categories, as well as a $0 deductible for medical expenses. In terms of cost, however, the Standard plan is a little on the pricey side. After all, you can get a higher amount of coverage in all categories for a much lower price with Heymondo.

While World Nomads is one of the best cheap travel insurance companies , it’s only worth it if you’ll be doing a lot of sporty activities.

4. IMG , a reliable travel insurance for Bali, Indonesia

IMG is a well-respected travel insurance company that many travelers trust for their insurance needs. As such, it probably comes as no surprise that IMG’s iTravelInsured SE plan provides a solid amount of coverage in all categories, including trip cancellation insurance .

This travel insurance for Bali plan even includes Cancel for Work Reasons coverage and coverage for pre-existing conditions . There’s also a $0 deductible for medical expenses, so as long as your claim is approved, IMG will completely cover any medical bills incurred abroad.

One drawback, though, is that the iTravelInsured SE plan is the most expensive of all the plans I compared. As such, if you want similar or even better coverage for a lower price, go with Heymondo .

What travel insurance do I need for Bali?

Ultimately, travel insurance for Bali is not mandatory, but it’s still smart to purchase some kind of coverage. Take it from me: when I was visiting the Monkey Forest in Ubud, a monkey bit me! I then rushed to the nearest hospital, where I was quickly treated.

Fortunately, I had purchased Heymondo holiday insurance for Bali before my trip, so I knew my medical expenses would be covered. When I saw the bill, though, I was especially relieved I had travel insurance – that medical treatment was not cheap! Save yourself the stress of going through an experience like mine without travel insurance by purchasing coverage before you travel.

Any of the Bali travel insurance options above will provide great coverage, but the standout is Heymondo , which offers excellent travel- and medical-related coverage for an affordable price.

On the other hand, if you want to save money, SafetyWing ’s travel health insurance for Bali is the most affordable option.

Either way, these essentials will help you plan your trip to Bali :

Essentials to save on your trip to Bali

Check the best no-foreign transaction fee credit cards .

Find the BEST DEALS for the top accommodation options in Bali .

Get a 5% discount on your travel insurance for Bali .

Check the best tours in Bali to make the most of your time HERE and HERE .

CHEAP FERRIES from Bali (hotel pick-up not included).

If you have any other questions about purchasing travel insurance for Bali or planning your trip, feel free to leave me a comment below!

Ascen Aynat

6 replies on “ Best Travel Insurance for Bali – Price & Requirements ”

Hello, am I able to get this cover while in Bali, i usually get travel insurance prior to leaving but apparently if i dont have return ticket (which I don’t as i have the 180 days option) they would offer the 90 days free (my bank) only found this out on the day I was leaving so wasn’t planned. Now in bali and just want to make sure my son and I can get some cover soonest. Thanks in advance, Bron

Hi Bron, Some travel insurance companies let you buy a policy even if you’re already abroad. For example, Heymondo can get you covered for your Bali trip. Good luck!

Hello Ascen, a group of family are travelling to Bali next year, we have heard that there are some insurance companies that will not cover you if you ANY alcohol in your system. As there will drinking on our trip we are concerned. Would you know if this will apply to any of the above mentioned Insurance companies?

Warmest regards,

Hi Zena, Most insurance companies won’t cover any injuries or incidents that result from having a blood alcohol level above the legal limit. If you’re socially drinking, you should be okay, and you can still purchase a travel insurance policy for Bali.

Hello . Are there any insurance that cover for driving a scooter in Bali ? (- If not having a motorcycle licence- only a UK driving licence for a car and IDl for car) . ?

Would i be covered for medical cost s if I went as a passanger on the official Gojet? Taxi scooters? Thank you

Hi Eva, Yes, but the extent of the coverage really does depend on which company and policy you go with. I would double-check before purchasing.

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Travel Insurance for Bali (2024)

Protect your vacation to Bali with a travel insurance plan that covers unexpected medical and cancellation expenses

in under 2 minutes

with our comparison partner, Squaremouth

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Sabrina Lopez is a senior editor with over seven years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she’s not working, Sabrina enjoys creative writing and spending time with her family and their two parrots.

When planning a trip to Indonesia for beaches, adventure sports and Balinese cultural excursions, it’s wise to have a safety net for peace of mind. Travel insurance can help protect your investment in case of the unexpected.

When you find the right travel insurance plan for you, you can relax knowing you’ll receive reimbursement for some or all of your prepaid trip costs. Below, we at the Marketwatch Guides Team discuss the best travel insurance for Bali vacations, including the costs involved and specific requirements.

How Much Does Bali Travel Insurance Cost?

The cost of travel insurance largely depends on your personal preferences and age. Other factors to consider include pre-existing medical conditions for appropriate medical insurance. Plan options may consist of useful single-trip and annual multi-trip policies.

For a Bali travel insurance quote, you’ll need to provide the below information on insurance provider sites:

• Number of travelers and ages of each traveler
• Destination country and location
• Home country and location
• Total trip price

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Bali. The below quotes are for a 30-year-old traveler from Florida, traveling to Bali for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

The quotes listed to determine the cost of travel insurance were collected from each company’s website in May 2023. In general, standard plans for international travel insurance to Bali include coverage for trip cancellation and interruption, emergency medical and transportation and baggage loss or delay.

Compare The Best Bali Travel Insurance Companies

Use the table below to compare CFAR coverage, average costs and COVID-19 coverage of our top recommended travel insurance companies for a trip to Bali:

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Bali?

It’s not mandatory to buy travel insurance for a vacation in Bali. However, whether you’re traveling to Indonesia for business or pleasure, comprehensive travel insurance is recommended. If you require medical care in Bali, up-front costs can be expensive without medical coverage. In the case of trip interruptions or trip cancellations, insurance helps protect you from financial loss.

From exploring rice fields in Ubud to riding a scooter around Denpasar and rafting the Agung River, adventure activities are popular in Bali. A travel insurance policy with coverage for unexpected injuries is a good idea if you intend to participate.

Cancel for Any Reason Coverage (CFAR)

Travel insurance companies offer cancellation coverage with standard policies. However, you’re limited with regard to your reasons for canceling. Typically, they include the death of a family member, hospitalization or similar medical emergencies.

Cancel for any reason coverage , otherwise known as CFAR, is a policy upgrade that allows you to remain flexible and cancel travel plans at your discretion. For example, in the case of the pandemic and different requirements for COVID-19 coverage, CFAR allowed for a wide range of changing circumstances.

It’s important to note that CFAR is subject to disclaimers and restrictions. For example, to reimburse a trip cost, you may need to cancel within 48 or 72 hours of a departure or travel delay.

Gear Theft Protection

Whether you’re surfing in Kuta or scuba diving on a boat trip from Seminyak, gear theft protection is useful when you’re taking equipment with you. This may include valuables such as:

• Professional cameras
• Surfboards or snorkeling and scuba diving gear

Travel insurance coverage helps with the financial loss of items that are damaged, stolen or lost by airlines and tour operators. Generally, your insurance provider reimburses costs up to a predetermined limit. Check if exclusions apply and leave valuable items in your home country if they’re not fully covered.

Medical Emergency Insurance and Emergency Medical Evacuation

The health care system in Bali accommodates tourists with international standards of health care at hospitals and medical treatment centers. Typical health concerns in Bali range from an upset stomach due to new foods to accidents on motorbikes. Therefore, it’s important to have insurance to cover unexpected medical costs.

In the unfortunate case of accidents and illness, travel insurance for medical emergencies generally includes the following:

• Hospital fees, such as operating room charges
• Emergency dental work

Most health insurance plans include emergency medical evacuation and repatriation if local medical care isn’t available or you need to fly back to your home country. If you’re doing adventure sports or riding scooters, check if your plan covers associated accidents.

Rental Car Protection

To rent a car in Bali, you need an International Drivers Permit and a valid license from your home country. It’s important to get a rental vehicle from a trusted company to ensure third-party insurance is included. Optional coverage is recommended to limit your liabilities while driving around the island.

Coverage may vary depending on the insurance provider. As a general rule, the following is offered by rental car companies:

• Collision damage waiver
• Windshield protection
• Roadside assistance
• Theft protection

Most Bali travel insurance plans include rental vehicle excess cover on top of insurance from car rental companies. This helps reimburse the costs of excess paid for stolen or damaged cars.

Trip Cancellation Insurance

If you cancel your Bali vacation before departure, standard travel insurance policies cover trip cancellations for a limited number of reasons. Typically, known and ongoing natural disasters, such as volcanic eruptions, are not covered.

Choose CFAR coverage to remain flexible for changing travel plans. As a general rule, accepted reasons for trip cancellations include:

• Death of family members
• Hospitalization or serious illness
• Severe weather conditions preventing departure
• Jury or military duty

How Do I Get Travel Insurance for Bali?

When planning a trip to Bali, find out if your credit card or current health insurance provider offers travel insurance. If so, check the policies to ensure appropriate coverage for the type of vacation you’re expecting. It’s also possible to purchase Bali travel insurance directly through your airline.

Otherwise, the best advice is to shop around and compare prices between providers. Choose the best travel insurance to suit your personal needs.

Bali Safety Tips

Below are general travel and safety tips to help you enjoy peace of mind during your Bali vacation.

Crime and Safety

According to the U.S. Department of State , the Indonesian Travel Advisory is at Level 2: Exercise Increased Caution. However, Bali isn’t mentioned in areas of increased crime risk or terrorist activities.

Petty crimes, such as pickpocketing and drink spiking, may occur in Bali. It’s advised to stay alert in crowded areas, nightclubs and bars. Indonesia is also susceptible to natural disasters such as volcano eruptions, tsunamis and floods.

Day Trips, Tours and Excursions

From scuba diving to hiking and island-hopping, Bali offers a range of exciting tours and day trips. Travel insurance helps protect you financially during accidents and travel plan changes.

Always ensure tours are booked with reputable organizations. Seek advice from travel agents and hotel concierges. Visit the official website of the Ministry of Tourism , Republic of Indonesia for travel advice.

According to the Indonesian Embassy as of May 2023, all travelers over 18 must show a physical or digital vaccination certificate for the second dose of a COVID-19 vaccine. On arrival, travelers must comply with Indonesian health protocols which may include a temperature check or PCR test.

Is Travel Insurance for Bali Worth It?

Though travel insurance isn’t mandatory for visiting Bali, it’s recommended to protect against financial loss due to cancellation, and to cover unexpected medical emergencies.

To decide if travel insurance is worth it , take into account pre-existing medical conditions and the activities you’re likely to do on vacation. Even if you’re not riding scooters or doing adventure sports, accidents can occur. We recommend getting quotes from at least three providers to find the best deal for your travel insurance plan.

Frequently Asked Questions About Travel Insurance in Bali

Can i claim flight compensation.

Travel insurance with trip cancellation or interruption ensures that you can claim compensation for a delayed or canceled fight . Otherwise, compensation is at the discretion of airlines and may not be applicable in many circumstances.

Is travel insurance necessary for Bali?

It’s not mandatory to buy travel insurance for a Bali vacation. However, it’s recommended to get comprehensive travel insurance before you leave to cover unexpected medical costs. Otherwise, medical care may result in paying thousands of dollars up-front.

What documents are required for Bali travel?

According to the U.S Department of State, travelers to Bali require a passport valid for six months with at least two blank pages. You’ll buy a visa on arrival for approximately $35.

Travelers over the age of 18 must show proof of two doses of COVID-19 vaccination.

How much does travel insurance typically cost?

Travel insurance rates vary depending on the plan purchased, the destination and your age. As a general estimate, basic plans start from about $100 and can be as high as $500 for premium international travel insurance.

How We Rated Travel Insurance Companies for Bali

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have feedback or questions about this article, please email the MarketWatch Guides team at  editors@marketwatchguides. com .

More Travel Insurance Resources

Best Cheap Travel Insurance of June 2024

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The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

In an ever-evolving world, emergency medical and evacuation travel insurance coverage is essential, especially if you're traveling internationally. However, sports equipment coverage, pet protection, and cancel for any reason coverage are among the increasingly popular coverage options that are changing the way we travel. We've gathered the best cheap travel insurance plans to help you protect your trip while on a budget.

Best Cheap Travel Insurance Plans

• Best overall: HTH Worldwide Travel Insurance
• Best for trip cancellation:  Aegis General Travel Insurance
• Best for medical-only coverage:  GeoBlue Travel Insurance
• Best value: Nationwide Travel Insurance
• Best for reputation: Trawick International Travel Insurance

How we rate the best cheap travel insurance »

Compare the Best Cheap Travel Insurance

The best travel insurance meets your needs at a price you're willing to pay. Sometimes, you're just not willing to pay that much. The following companies offer decent coverage for low prices. To determine which companies made this list, we compared quotes across the travel insurance industry for the same trip, making a note of which companies offered particularly good coverage in certain areas and which companies were well reviewed.

Here are the best affordable travel insurance companies picked by Business Insider editors in 2024.

Best overall: HTH Worldwide

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review here.

Best for trip cancellation: Aegis General Travel Insurance

The Aegis General Travel Insurance Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our Aegis Travel Insurance review here.

Best for medical-only coverage: GeoBlue Travel Insurance

GeoBlue Travel Insurance is a travel insurance provider that specializes in travel medical insurance. Because it doesn't offer much trip protection or travel inconvenience coverage, it can charge cheaper premiums. A 30-year-old from California would pay as low as $20.55 for a policy that covers a two-week trip. 

GeoBlue plans can cover medical expenses up to $1 million with several multi-trip annual plans available. It offers coinsurance plans for trips within the U.S. and 100% coverage for international trips. It also has a network of clinics in 180 countries, streamlining the claims process. It's worth noting that coverage for pre-existing conditions comes with additional costs.

Read our GeoBlue travel insurance review here.

Best value: Nationwide

Nationwide Travel Insurance  is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review here

Best for reputation: Trawick

The Trawick International Travel Insurance Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review here.

Types of Affordable Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, dropping trip cancellation coverage and travel inconvenience coverage. It's a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel insurance aggregator SquareMouth.)

• Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
• Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
• Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

Why You Should Trust Us: How We Reviewed Cheap Travel Insurance

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The four winning plans cost between $29 to $74 — significantly below the average cost of comprehensive travel insurance , which can range between 4%-8% of total travel expenses, according to the US Travel Insurance Association.

But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or " cancel for any reason" (CFAR) protection . So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include travel medical insurance if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now. 

You can read more about how Business Insider rates insurance here.

Best Cheap Travel Insurance FAQs

How can i reduce the cost of travel insurance.

You can reduce the cost of travel insurance by opting for simpler coverage or choosing higher deductibles on travel medical insurance. You can also consider annual travel insurance , which will save you money in the long run if you take multiple trips over one year.

Can cheap travel insurance provide enough coverage for international trips?

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs. You can find our guide on the best international travel insurance here.

Why is travel insurance so cheap?

Travel insurance is relatively cheap because it only covers you for a set period of time, and depending on your plan, the level of coverage you get may not be particularly high. However, even with high coverage limits and extras like cancel for any reason coverage , travel insurance is relatively affordable. 

How much should travel insurance cost?

The average cost of travel insurance is 4%-8% of your trip's cost. This usually translates into a premium between $89 to $399. That said, many companies offer premiums far below average costs.

What company offers the cheapest travel insurance?

If you just want trip cancellation protection, go with the Aegis Trip Cancellation plan. For more robust coverage that won't break the bank, consider HTH Worldwide's TripProtector Economy, Trawick's Safe Travels Explorer, or Nationwide's Essentials plan.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

• Best overall
• Best for affordability
• Best for seniors
• Best for expensive trips
• Best for exotic locations
• Why You Should Trust Us

Best Cruise Travel Insurance of July 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

A cruise vacation can take much of the stress out of planning a vacation. With a pre-set itinerary on the high seas, you don't have to worry about how you're getting to your destination and what you're going to do there. However, an unexpected emergency can take the wind out of your sails and money out of your travel budget. So you'll want to ensure you have the best cruise insurance plan that won't leave you high and dry in an emergency.

Best Cruise Insurance Plans of 2024 Summary

• Best overall: Nationwide Travel Insurance
• Best for affordability: AXA Assistance USA
• Best for seniors: Seven Corners Travel Insurance
• Best for expensive trips: HTH Worldwide Travel Insurance
• Best for exotic locations: World Nomads Travel Insurance

Top Cruise Travel Insurance Company Comparison

While booking a cruise takes off much of the pressure when coming up with itineraries, your trip can still encounter several hitches, which is where cruise travel comes in. The best cruise travel insurance will have high coverage limits on emergency medical evacuations, as sea to land evacuations can be expensive. They'll offer coverage for baggage delay, trip interruption, and it might be a good idea to have some adventure sports coverage if you plan on participating in any outdoor activities like snorkeling or scuba diving. 

Here are our picks for the best cruise travel insurance companies in 2024.

Best Cruise Insurance Overall

Nationwide travel insurance.

Nationwide is a long-standing and reputable brand within the insurance marketplace that offers cruise insurance plans with solid coverage and reasonable rates.

It has three cruise insurance options: Universal, Choice, and Luxury. The Nationwide Choice plan, for example, offers $100,000 in emergency medical coverage and $500,000 in emergency medical evacuation coverage.

The right plan for you depends on your budget and coverage needs. But each plan offers cruise-specific coverages like ship-based mechanical breakdowns, coverage for missed prepaid excursions if your cruise itinerary changes, and covered service disruptions aboard the cruise ship.

Read our Nationwide Travel Insurance review .

Best Cruise Insurance for Affordability

Axa assistance usa.

AXA offers three comprehensive coverage plans: Gold, Silver, and Platinum. Each of these plans offers coverage for issues like missed flights, medical emergencies, lost luggage, and more.

The highest-tier Platinum plan provides $250,000 in medical emergency coverage and $1 million in medical evacuation coverage. The baggage loss coverage is $3,000 per person, and their missed connection coverage is $1,500 per person for cruises and tours.

In addition, travelers can take advantage of AXA's concierge service, which provides an extensive network of international service providers. They'll be able to assist you with things like restaurant reservations and referrals, golf course information, and more. This service could come in handy if you're stopping at a variety of unfamiliar destinations during your cruise.

The coverage limits on AXA's policies are on the higher end compared to other providers. And you can buy coverage for a little as 4% of your trip cost depending on your age, travel destination, and state of residence.

Read our AXA Travel Insurance review .

Best Cruise Insurance for Seniors

Seven corners travel insurance.

Seven Corners Travel Insurance lets cruisers enjoy traveling in their golden years with the knowledge they're covered in the event of an accident or emergency. While other providers do offer coverage to those 80+ years old, Seven Corners is known for its affordable premiums while offering above-average medical expenses and medical evacuation coverage limits — two areas of travel insurance coverage that are even more important as we get older.

Seven Corners also offers the option of a pre-existing conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies.

You can choose between the Trip Protection Basic or Trip Protection Choice plans, with the higher-tier Choice plan costing more but providing more coverage.

Read our Seven Corners Travel Insurance review . 

Best Cruise Insurance for Expensive Trips

Hth worldwide travel insurance.

HTH Worldwide offers three levels of trip protection: TripProtector Economy, Classic, and Preferred. The higher the tier, the more coverage you'll get for things like baggage delays, trip delays & cancellations, and medical expenses. But their premiums remain reasonable even at the highest tier of coverage.

Not only does the HTH Worldwide Trip Protector Preferred plan offer higher-than-average medical emergency and evacuation coverage limits ($500,000 and $1 million, respectively), but you'll also get a baggage loss coverage limit of $2,000 per person and coverage for trip interruption of up to 200% of the trip cost. You also have the option to add CFAR coverage for an additional cost, as long as you purchase within 21 days of your initial trip deposit.

Read our HTH Worldwide Travel Insurance review .

Best Cruise Insurance for Exotic Locations

World nomads travel insurance.

World Nomads has been a top choice for comprehensive travel insurance for many years now. And it's a great option when it comes to cruise coverage, too.

Even the most basic Standard Plan comes with $100,000 in medical emergency coverage and $300,000 in emergency evacuation coverage. And you'll get higher coverage limits with their Premium Plan. Plus, unlike many other providers, World Nomads trip cancellation and emergency medical coverage include COVID-19-related issues.

What sets World Nomads apart from many other insurance companies is that its policies cover 200+ adventure sports. This can be important for adventurous cruisers who plan to take part in activities like jet skiing, scuba diving, or parasailing during their cruise. Additionally, World Nomads is one of the few travel insurance providers that sells policies to people who have already departed for their trip. However, you'll have to wait 72 hours before the policy kicks in.

Read our World Nomads Travel Insurance review .

Introduction to Cruise Insurance

Cruise insurance may offer unique coverage like missed port of call and medical evacuation coverage. You might not need the flight protections of a regular travel insurance plan if you're catching a cruise at a port near you, but medical and cancel for any reason coverage could be critical. The best travel insurance plans will provide flexibility to add coverage options to fit your travels needs.

Understanding the Basics of Cruise Insurance

At its core, cruise insurance is your financial lifeboat, designed to protect you from unforeseen events that could disrupt your sea voyage. Whether it's a sudden illness, adverse weather, or other unexpected occurrences, having the right insurance can make a world of difference.

Why Cruise Insurance is Important

Picture this: You're all set for your dream cruise, but a sudden family emergency means you can't set sail. Or worse, you fall ill in the middle of the ocean. Without cruise insurance, you're not just missing out on an adventure, but also facing potentially huge financial losses. That's why securing cruise insurance isn't just recommended; it's a crucial part of your cruise planning.

Types of Cruise Insurance Coverage

Cruise insurance isn't a one-size-fits-all life jacket. There are various types of coverage, each tailored to protect different aspects of your cruise experience.

Trip Cancellation and Interruption Coverage

This coverage is like your safety net, catching you financially if you need to cancel your trip last minute or cut it short due to emergencies, be it due to personal, health-related, or even certain work conflicts. Interruption coverage should also include coverage for missed stops on your cruise.

Medical Coverage

Being on a cruise shouldn't mean being adrift from medical care. Travel medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances. 

When you purchase travel medical insurance, be sure to note whether your coverage is primary or secondary. Secondary insurance means you'll need to file a claim with your primary insurance provider before filing with your travel insurance provider. 

Emergency Evacuation Coverage

In the rare case that you need to be evacuated from the ship due to a medical emergency or severe weather, this coverage ensures you're not left adrift in a sea of expenses. You'll want high coverage limits for emergency evacuation, as sea-to-land evacuations can be costly. 

Baggage and Personal Effects Coverage

Imagine reaching your dream destination only to find your luggage lost at sea. This coverage ensures that lost, stolen, or damaged baggage doesn't dampen your cruise experience. It'll reimburse you for any money you spent replacing items while traveling. 

Adventure Sports Coverage

Cruises often offer activities that can be classified as adventure sports, such as snorkeling and scuba diving. Medical treatment for injuries sustained while participating in these activities isn't normally covered under normal travel medical coverage. You'll want to ensure that your policy explicitly includes these policies or offers an add-on for adventure sports coverage. 

Tips for Buying Cruise Insurance

Securing the best cruise insurance isn't just about finding the best price; it's about ensuring it covers all your potential needs. 

When to Purchase Cruise Insurance

It's always best to purchase cruise insurance soon after placing the initial deposit on your cruise. The sooner you buy your insurance, the quicker your trip is protected against a sudden cancellation. Additionally, most travel insurance plans have optional riders you can add to your policy as long as you purchase your policy within a certain window.

For example, cancel for any reason coverage often needs to be purchased within a purchasing window, which can last anywhere between a few days to three weeks from your initial trip deposit. You can also get your pre-existing conditions covered under the same conditions. 

That said, most companies will let you buy travel insurance up until the day before your departure. There are some limited policies that you can purchase after you've left for your trip, such as Allianz OneTrip Emergency Medical  policy.

How to Find the Best Deals on Cruise Insurance

Keep a lookout for deals, but remember, the cheapest option isn't always the best. Balance cost with coverage, and ensure you're getting the protection you need at a price that doesn't rock your financial boat. A travel insurance comparison site like VisitorsCoverage and InsureMyTrip are good places to compare multiple quotes from all of the major carriers at once.

Why You Should Trust Us: How We Reviewed Cruise Insurance Plans

When comparing cruise travel insurance providers, we evaluated them based on the following criteria to come up with our list of top picks:

Customer Satisfaction

We look at ratings from JD Power and other industry giants to see where a company ranks in customer satisfaction. We also look at customer review sites like Trustpilot, SquareMouth , and InsureMyTrip to see what customers have to say, particularly about claims experience.

Policy Types

The most important part of any travel insurance company, we look at all the policies a company offers. While we looked at coverage limits, we also looked at options for multi-trip plans, travel medical insurance, and pre-existing condition coverage. We also considered policy flexibility and add ons that a company offers.

Average Premiums

We compare average premiums per trip. Some companies also offer annual plans, and we compare policies accordingly.

Claims Paid

How frequently do companies pay claims easily and quickly? We check customer reviews and other resources to see which companies honor policies most effectively.

We look at the company's overall behavior. Is it operating ethically? Companies can earn additional points for such behaviors.

You can read more about how Business Insider rates insurance here.

Best Cruise Travel Insurance FAQs

As a rule of thumb, you can expect to pay between 5% and 10% of your total trip cost for cruise insurance coverage. However, your premiums will vary depending on factors like your age, your travel destination, length of travel, and any add-ons. 

Cruise insurance typically covers trip cancellations, interruptions, medical emergencies, emergency evacuations, and lost or damaged baggage, though coverage can vary based on the policy

Your options for travel insurance is severely limited after your trip starts, but you still have a few options. World Nomads offers policies to people who have already departed on their cruise. However, once you buy coverage, you'll have to wait 72 hours before it kicks in.

The difference between traditional travel insurance and cruise insurance is that cruise insurance offers more specialized coverage, for situations such as missing a departure port and more coverage for medical evacuations, since it's more expensive to evacuate someone at sea than on land. 

Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port. Just make sure you check the details of your policy before you file a claim and before you travel, so you know what compensation you're entitled to.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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