The best travel insurance plans for Indonesia in 2025
- The best travel insurance plans for Indonesia
- Is it currently safe to travel to Indonesia?
- Is travel insurance required by law to enter Indonesia?
- Why take out travel insurance for Indonesia?
- What should travel insurance for Indonesia cover?
- The Cost of Travel Insurance for Indonesia
- How to Pay Less for Your Travel Insurance to Indonesia
- Your current insurance coverage in Indonesia
- FAQ
Travel insurance for Indonesia: key takeaways
1. Definition: Travel insurance for Indonesia covers medical emergencies, trip cancellation, and lost baggage during your stay.
2. Key protection: Insurance is not mandatory for Canadians but is highly recommended due to potential high medical costs.
3. Healthcare cost: Private hospital stays can be very expensive, often costing hundreds of Canadian dollars per night.
4. Price: A one-week travel insurance policy for Indonesia typically costs between $30 and $60 CAD.
5. Good to know: Ensure your policy covers activities like scuba diving or scooter rental, which may require add-ons.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analyzing 41 travel insurance policies available in Canada, our experts share here everything you need to know to choose the best travel insurance for Indonesia.
The best travel insurance plans for Indonesia
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | 1.5M $CA | Particularly suited for Indonesia, combining high limits and comprehensive coverage. - very high medical costs covered - repatriation included - broad benefits |
| Cap Assistance 24/24 | 1.5M $CA | Well adapted for Southeast Asia travel needs. - 24/7 assistance in English - strong medical protection - coverage for theft and loss |
| Tourist Card | 0.75M $CA | A sensible choice for tourism in Indonesia. - good core health cover - prompt emergency transport - covers typical length of trip |
| Travel Pass Monde | 1.1M $CA | Wide-ranging coverage for Canadians abroad. - strong medical reimbursement - evacuation if required - covers all Indonesian provinces |
| Globe Partner | 0.45M $CA | Reliable for shorter or simpler stays. - covers medical care - repatriation included - fits basic travel requirements |
| Globe Traveller | 0.75M $CA | Good for tourists seeking core protection. - medical emergencies covered - easy claim process - practical ceiling for trips under a month |
- very high medical costs covered
- repatriation included
- broad benefits
- 24/7 assistance in English
- strong medical protection
- coverage for theft and loss
- good core health cover
- prompt emergency transport
- covers typical length of trip
- strong medical reimbursement
- evacuation if required
- covers all Indonesian provinces
- covers medical care
- repatriation included
- fits basic travel requirements
- medical emergencies covered
- easy claim process
- practical ceiling for trips under a month
Is it currently safe to travel to Indonesia?
As of June 2025, Global Affairs Canada advises travellers to exercise a high degree of caution in Indonesia due to ongoing security challenges, including terrorism and localised social unrest.
- Security risks: terror attacks can occur in tourist destinations such as Bali, Jakarta, or Surabaya, especially during public events. In Papua, attacks and kidnappings make travel inadvisable, except for Raja Ampat and Sorong.
- Health risks: while major hospitals in Jakarta and Bali offer quality private care, treatment is expensive and payment is often required in cash. Yellow fever vaccination is required if you have recently visited affected countries, and mosquito-borne diseases like dengue and malaria are present in rural provinces.
- Legal constraints: prescription drugs common in Canada may be prohibited or restricted in Indonesia, and undeclared medication can lead to fines or detention. Drug laws are very strict and penalties for violations are severe.
- Cultural and environmental factors: modest dress is recommended near places of worship, and consuming alcohol is strictly regulated outside major tourist areas. Natural disasters such as volcano eruptions and earthquakes are frequent, particularly in Sulawesi and Lombok.
Although not required, travel insurance is strongly recommended by Global Affairs Canada, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Indonesia.
Is travel insurance required by law to enter Indonesia?
No, travel insurance is not mandatory for Canadian travellers to enter Indonesia.
However, travel insurance is strongly recommended because foreign visitors must pay all medical costs upfront at most hospitals. Care for emergencies, such as dengue fever or evacuation after an accident, can result in very high expenses, especially in popular destinations like Bali or Jakarta.
According to our data, 80% of travelers purchase travel insurance before going to Indonesia. This high rate is due to elevated health risks, the expensive private health system, and the need for cash payments at clinics.
Why take out travel insurance for Indonesia?
It is an essential financial and medical protection for anyone going to Indonesia.
In Indonesia, foreigners are generally directed to private hospitals such as Siloam Hospitals in Jakarta or BIMC in Bali, where care must be paid upfront and is much more expensive than in local public health centres. Public hospitals may lack capacity or adequate facilities, especially outside major cities.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to Canada in the event of a serious incident.
Here are some examples of healthcare costs in Indonesia.
| Example of medical treatment | Cost at Siloam Hospitals | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 15,000,000 IDR (approx 1,300 $CA) | up to 1,500,000,000 IDR (approx 130,000 $CA) |
| I broke my tibia (X-ray, cast, and crutch rental) | 8,000,000 IDR (approx 700 $CA) | up to 1,500,000,000 IDR (approx 130,000 $CA) |
| I need to be repatriated | 350,000,000 IDR (approx 30,000 $CA) | up to total costs if medically necessary |
| I have appendicitis (consultation and surgery) | 40,000,000 IDR (approx 3,500 $CA) | up to 1,500,000,000 IDR (approx 130,000 $CA) |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What should travel insurance for Indonesia cover?
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor visits, hospitalization, and treatments in private clinics if you get sick or injured. Minimum recommended reimbursement limit: 150,000 $CA. |
| 🚑 Medical evacuation | Pays for emergency transport to a better facility or back to Canada if needed. Minimum recommended reimbursement limit: 100,000 $CA. |
| 🎒 Baggage loss | Reimburses you in case of lost, stolen, or damaged bags, including theft from vehicles—a frequent problem. Minimum recommended limit: 3,000 $CA. |
| ✈️ Trip cancellation | Refunding prepaid, non-refundable bookings if you cannot travel or must cut your trip short. Minimum recommended limit: 5,000 $CA. |
| 🦟 Personal liability | Covers you if you unintentionally injure someone or damage property while abroad. Minimum recommended limit: 500,000 $CA. |
| 💊 Emergency medicines | Pays for prescription drugs dispensed in emergency overseas. Minimum recommended limit: 2,000 $CA. |
| 👨👩👦 Family assistance | Provides support for family in case of emergency, such as flying in a companion if you are hospitalized. Minimum recommended limit: 10,000 $CA. |
| 📱 24/7 assistance | Access to a multilingual helpline for emergencies and claims. No minimum, but ensure global support is included. |
Minimum recommended reimbursement limit: 150,000 $CA.
Minimum recommended reimbursement limit: 100,000 $CA.
Minimum recommended limit: 3,000 $CA.
Minimum recommended limit: 5,000 $CA.
Minimum recommended limit: 500,000 $CA.
Minimum recommended limit: 2,000 $CA.
Minimum recommended limit: 10,000 $CA.
No minimum, but ensure global support is included.
Local providers or bank card insurance often offer limited coverage, with low reimbursement limits and many exclusions. It is safer to select a trusted specialist insurer with full coverage. Compare leading options on HelloSafe and subscribe online for instant certification.
The Cost of Travel Insurance for Indonesia
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $25–$40 CAD |
| 2 weeks | 45 years old | $45–$65 CAD |
| 1 month | 35 years old | $65–$95 CAD |
| 1 month | 70 years old | $120–$180 CAD |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of travel insurance for Canadians is based on several factors: your age, trip duration, destination, coverage amount, and add-ons like trip cancellation. It's important to consider these elements to find a policy that provides adequate protection for your trip at a reasonable price, preventing any unforeseen expenses while you're away.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to Pay Less for Your Travel Insurance to Indonesia
Here are some suggestions to optimize the cost of your travel insurance to Indonesia while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🧳 Length of stay | The longer your trip, the more you pay, especially for coverage in Indonesia’s tourist areas. | Choose exact travel dates and avoid paying extra for days when you are not in Indonesia. |
| 👤 Traveller’s age | Insurers often raise rates for travelers over 60 due to higher health risks. | Compare offers by age as prices vary. Heymondo does not increase its prices for people over 62. |
| 👨👩👧👦 Number of travelers | Family or group policies may include savings not available for solo policies. | Opt for family/group plans for better rates per person, especially for families traveling together. |
| 🏥 Level of coverage | Premiums are higher for higher medical limits, but the minimum is often enough for Indonesia. | Opt for moderate reimbursement limits (around $100,000–$250,000 CA) to cut costs but stay safe. |
| 🚫 Exclusions and deductibles | Plans with exclusions for adventure activities or high deductibles are often cheaper. | Check deductibles and exclusions and select only what you need, given your planned activities. |
| 📦 Package options | Some add-ons (electronics, sports, rental car) may increase costs without much benefit. | Custom-build your coverage and remove unnecessary options to bring down the total price. |
| 💳 Payment method and promotions | Some insurers offer discounts for annual payment or online promo codes. | Look for seasonal promotions and pay in full to access discounts or cashback offers if available. |
Your current insurance coverage in Indonesia
It is perfectly legitimate to wonder if your credit card insurance or Canada’s public health system are enough to cover your trip to Indonesia. Unfortunately, this coverage is often quite limited or insufficient, especially in case of emergency or hospitalization abroad. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Indonesia? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Canada provincial plan, e.g., OHIP) | Never | No overseas reimbursement. No hospital or doctor fees covered abroad. No repatriation or evacuation. | Travel insurance covers up to $1,000,000 CA for medical expenses, repatriation, hospitalization, and 24/7 assistance. |
| Private health insurance | Limited coverage | Some plans partial reimbursements, usually after return. Medical max $10,000–$20,000 CA. | Travel insurance covers up to $1,000,000 CA paid directly, evacuation, personal liability, and trip cancellation. |
| Classic credit card (Visa Classic, RBC Avion, CIBC Classic) | Limited coverage | Medical care max $10,000–$25,000 CA, accidents only. No trip cancellation or baggage cover. | Travel insurance covers up to $1,000,000 CA with broader coverage, including trip and baggage, with no cash deposit. |
| Premium credit card (Visa Infinite, Amex Gold, Scotia Gold) | Limited coverage | Health costs max $100,000–$250,000 CA, with some travel delay or baggage benefits. | Travel insurance covers up to $1,000,000 CA and higher trip interruption, medical evacuation, and support abroad. |
Example
While on a scooter in Bali, Mark had an accident, resulting in a severe leg fracture. The hospital bill for surgery and care reached $25,000. His RBC Avion card's insurance only covered $5,000, and his provincial plan, almost nothing. He was left to pay the remaining $20,000 out-of-pocket.
Expert advice
Many bank cards and provincial health plans exclude key coverages like trip interruption for a family emergency. Always read your policy's fine print to avoid costly surprises abroad. In all cases, subscribing to a dedicated travel insurance policy tailored to your trip is safer and more reassuring.
FAQ
Do I need a visa to travel to Indonesia?
Yes, Canadian citizens must obtain a visa to visit Indonesia. You can apply for an e-Visa online before departure or request a Visa on Arrival at certain airports. The visa is usually valid for 30 days and can be extended once for another 30 days. A return or onward ticket is also required.
How do I purchase travel insurance for Indonesia?
Start by comparing policies using the HelloSafe travel insurance comparison tool to find the best rates and features. Next, carefully review the included coverage and any exclusions, making sure they fit the risks specific to Indonesia. Then, purchase your preferred insurance plan securely online. Finally, you’ll receive your certificate by email.
Are there health risks in Indonesia that affect insurance needs?
Yes, Indonesia has risks including mosquito-borne diseases like dengue and malaria, as well as avian influenza in some areas. Health care can be costly for foreigners, and many private hospitals require cash or proof of insurance before treatment. It is essential to choose insurance that covers medical treatment and emergency evacuation.
What should I do if I lose my passport or belongings during my trip?
Immediately report the loss to local police and obtain a written report. Contact the Embassy of Canada in Jakarta or the Australian Consulate in Bali for assistance with emergency travel documents. If you have insurance, notify your insurer for guidance on claims regarding lost or stolen valuables.
Can I participate in adventure sports in Indonesia with standard travel insurance?
Many standard policies exclude high-risk activities such as scuba diving, surfing, or volcano trekking, which are popular in Indonesia. If you plan to participate in these, ensure your travel insurance includes special activity cover. Always read the policy wording carefully to understand what is included and excluded.
How much does travel insurance for Indonesia typically cost for Canadians?
The cost varies based on your age, trip duration, coverage limits, and selected options. On average, a one-week policy for a Canadian traveler can start from about CA$40 to $60, with premiums increasing for longer stays or higher coverage amounts. Comparing several insurers will help you find the most economical option.
Do I need a visa to travel to Indonesia?
Yes, Canadian citizens must obtain a visa to visit Indonesia. You can apply for an e-Visa online before departure or request a Visa on Arrival at certain airports. The visa is usually valid for 30 days and can be extended once for another 30 days. A return or onward ticket is also required.
How do I purchase travel insurance for Indonesia?
Start by comparing policies using the HelloSafe travel insurance comparison tool to find the best rates and features. Next, carefully review the included coverage and any exclusions, making sure they fit the risks specific to Indonesia. Then, purchase your preferred insurance plan securely online. Finally, you’ll receive your certificate by email.
Are there health risks in Indonesia that affect insurance needs?
Yes, Indonesia has risks including mosquito-borne diseases like dengue and malaria, as well as avian influenza in some areas. Health care can be costly for foreigners, and many private hospitals require cash or proof of insurance before treatment. It is essential to choose insurance that covers medical treatment and emergency evacuation.
What should I do if I lose my passport or belongings during my trip?
Immediately report the loss to local police and obtain a written report. Contact the Embassy of Canada in Jakarta or the Australian Consulate in Bali for assistance with emergency travel documents. If you have insurance, notify your insurer for guidance on claims regarding lost or stolen valuables.
Can I participate in adventure sports in Indonesia with standard travel insurance?
Many standard policies exclude high-risk activities such as scuba diving, surfing, or volcano trekking, which are popular in Indonesia. If you plan to participate in these, ensure your travel insurance includes special activity cover. Always read the policy wording carefully to understand what is included and excluded.
How much does travel insurance for Indonesia typically cost for Canadians?
The cost varies based on your age, trip duration, coverage limits, and selected options. On average, a one-week policy for a Canadian traveler can start from about CA$40 to $60, with premiums increasing for longer stays or higher coverage amounts. Comparing several insurers will help you find the most economical option.
