A Guide To Travel Insurance For Indonesia – Forbes Advisor Australia

If you’re planning to visit Indonesia, you’ll need travel insurance specifically for the destination. There are three main types to choose from:

• Single trip: for a one-off trip in the space of 12 months to Indonesia
• Annual multi-trip: for more than one trip in the space of 12 months to Indonesia or various destinations. This type of cover can work out more cost-effective than buying multiple single trip policies but not always so it’s best to compare both types of cover.
• Long-stay/backpacker: for an extended stay in Indonesia, of typically 60 or 90 days, or 12 or 18 months. Cover for 24 months may be available, from certain providers.

Depending on the insurer, and the type of policy you choose, you may have the option to take out cover for Indonesia alone, Asia or worldwide destinations. Note that insurers usually offer worldwide policies that include the US and destinations such as Canada, Greenland Mexico and the Caribbean, and worldwide policies that exclude them, depending on where you’re going, as medical costs are extremely high in this part of the world.

A good travel insurance policy will cover emergency medical costs should you fall ill or injure yourself while away. This may also extend to medical rescue, and repatriation costs, for severe cases where you need transporting to a hospital or back to Australia.

Cover for personal liability should you injure someone or damage another person’s property, and trip cancellation for reasons such as falling ill before the trip or suffering a bereavement should also be included as standard. You should also be able to claim for loss or theft of your luggage and belongings. Note that there’s typically a total limit on the amount you can claim for your possessions, as well as an individual limit for each type of item.

A policy may additionally include a number of other forms of cover, such as:

• Personal money: the amount that can be claimed if your money is lost or stolen
• Missed departure: covers the cost of additional accommodation and travel should an emergency cause the policyholder to miss their journey
• Travel delay: pays out if your scheduled transport is late by typically a least 12 hours
• Company insolvency: compensates you if your airline or hotel goes bust
• Personal accident: pays out if an injury causes permanent disability or death

Insurers usually offer basic policies with few benefits and low cover levels and comprehensive policies that provide their widest range of cover and higher cover levels. They may also have one or more mid-level policies for anything in between.

Shopping around will allow you to find the best policy to suit your needs and budget. For help with finding a comprehensive policy, we’ve conducted in-depth research to find what we believe are the top 10 available.

It may be impossible for travel insurance for Indonesia to cover everything that can go wrong with a holiday, but it can cover a wide range of common scenarios, particularly if you opt for comprehensive cover. A policy’s product disclosure statement (PDS) sets out the specifics of what it does and does not cover. You should be able to access this on the insurer’s website, and read it before making a decision on whether it’s right for you.

Bear in mind that most insurers won’t cover a holiday where you’ve travelled to parts of Indonesia that the government’s Smartraveller website has on its “do not travel” list. To avoid this type of problem, it’s best to check the website for updates on Indonesia before purchasing a policy, and before departure. Smarttraveller will also advise if you should travel with caution, warning of risks, such as acts of terrorism, civil and political unrest and natural disasters.

Insurers will also likely reject claims resulting from intoxication from alcohol or drugs, and disorderly behaviour. If you’ve partaken in any sports and activities while away, it’s likely an insurer will only accept related injury claims if you wore the appropriate safety gear, such as a helmet, or harness.

Having a medical condition won’t necessarily hinder your chances of finding suitable cover for Indonesia, but you may find you’ll have to shop around a little more.

Only some insurers provide cover for what they term “pre-existing medical conditions”. These are conditions that you had before taking out the policy. Those that do provide this type of cover usually raise their premiums to do so, owing to the heightened risk that you’ll make a medical-related claim while away. The policy premium—the price of the policy—will often rise with the severity of a condition. This means cover for a heart condition will be more expensive than for diabetes, for example.

When running quotes on the sites of insurers that provide pre-existing medical cover, you’ll be taken to a medical screening section of the application. Make sure to state what conditions you have and answer the questions about them. This ranges from whether, and how often you take medication, to when you last saw a practitioner concerning your condition. If you later make a claim relating to a condition that you did not declare or detailed inaccurately, an insurer could refuse it.

Insurers refer to a number of factors when calculating how much you must pay for cover. This includes the number of people travelling, and the holiday destination and duration.

More mature travellers and those with pre-existing conditions will likely be charged more than younger travellers and those without conditions, as insurers deem them as high-risk travellers that will likely need to claim while away.

We used the profile of a family of four, aged 42, 40, 14 and 12, spending 13 to 26 May in Indonesia, and assumed they have no pre-existing conditions, (although these providers do offer cover for pre-existing conditions should you need it).

We found basic cover ranged from around $106 to $241, while comprehensive cover started at around $226, with the most expensive policy costing just under $324.

Running quotes on travel insurer websites will allow you to make side-by-side comparisons of their policies based on the types of cover they offer, the various cover levels and prices. Looking through the offerings of a number of insurers can help with finding a deal on the cover you need.

When running a quote you will need to enter details about yourself, anyone else travelling with you and your trip. This includes your name, the age of all travellers, your holiday destination and duration. If pre-existing cover is available, you will also be taken through a medical screening, so the insurer can build a medical profile on each traveller.