Travel Insurance for Indonesia

Last updated on 07/19/2023

Travel Insurance for Indonesia Trips

Do I Need Travel Insurance for Indonesia?

While the travel medical insurance requirements have recently been removed, we continue to recommend purchasing travel insurance for trips to Indonesia. Traveling overseas comes with risk and when travelers have made a significant investment of time and money, it makes sense to protect against surprise costs and travel mishaps.

COVID-19 impacted international travel in an unprecedented way and changed the way we think about travel planning. Buying an international travel health plan for Indonesia helps protect against illness and injury, but a comprehensive plan may offer coverage in the case of lost or damaged baggage, travel delays, trip interruption, or a variety of other disruptions that may affect your travel plans to Indonesia. All things considered, it's best to be prepared for travel-related mishaps before they occur.

How Much Does Indonesia Travel Insurance Cost?

Just as every trip and traveler is unique, the cost of travel insurance varies depending on the details of your trip. The cost of travel insurance for Indonesia depends on the number of people in the traveling party, the travelers' ages, is the length of the trip, and the coverages included in the plan.

Typically, a higher price for Indonesia travel protection is due to a higher level of risk for the trip. This means that insuring a trip for a large party of travelers or a longer time may, in general, cost more than a shorter trip or one with less travelers.

What is the Best Travel Insurance for Indonesia Trips?

Most travelers going to Indonesia want to know what travel insurance plan is best for a trip to this scenic island nation. Though the most beneficial Indonesia travel insurance looks different for every traveler, some common coverages to consider for your next Indonesia trip include:

  • Emergency medical evacuation
  • Disruptions due to inclement weather
  • Lost or damaged baggage
  • Trip cancellation

Travelers may also consider coverage that relates to specific activities on the islands – for example, some tourists may want to know what travel insurance will cover for trips near a volcano, while others might look for the best travel insurance to offer coverage for surfing in Indonesia.

Experienced travelers tend to prefer comprehensive travel insurance plans for Indonesia. A comprehensive travel insurance plan would often include travel medical insurance as well as coverage for expenses related to delays in transportation, baggage issues, and more.

Ultimately, the best travel insurance option for you is one that offers coverage that suits your specific trip details and personal needs. It's recommended to compare a variety of different providers and coverage levels to get a sense of what your ideal travel protection for Indonesia looks like. InsureMyTrip's free travel insurance quote form can help you get started finding the best Indonesia travel insurance for your next trip to the gorgeous Asian islands.

Travel Tips & Safety for Indonesia

Money & Currency Exchange

Indonesia's official currency is the Indonesian rupiah, with the currency code IDR. You'll find prices in Indonesia marked as Rp. As for cash, Indonesian banknotes are available in denominations of 1000, 2000, 5000, 10000, 20000, 50000, and 100000 rupiah, while coins come in values of 50, 100, 200, 500, and 1000. Many businesses in tourist hot spots like Bali will take credit cards, but travelers are going to need some rupiah for most other locations in Indonesia. Many banks, airports, and hotels can change your money to Indonesian rupiah, but the best exchange rates are usually found by talking to money exchange services. Find money exchangers around places like shopping centers or look online to identify what's closest to where you're staying. Don't forget to haggle for the best prices — such negotiations are customary in Southeast Asia!


To get around Indonesia, travelers may rely on flights, water taxis/ferries, or ground transportation like taxis, trains, and buses. Domestic flights connect more than 30 airports throughout the island nation and are often the quickest route to get from point A to point B. Tourists and locals alike also heavily rely on water taxis/ferries that stop at nearly every inhabited island in Indonesia. If you want to sail in style, many of the European-style water taxis offer different classes that vary in price and comfort.

On land, taxis are readily available in major cities like Jakarta, Surabaya, and Medan. You’ll usually get the best deal by insisting to use the meter (and finding another taxi if the driver refuses). Buses run throughout a large portion of Indonesia, but while they are cheaper, buses in Indonesia are generally less reliable and safe than taxis. The islands of Java and Sumatra both boast rail systems – Sumatra's rail network is more of a local operation, while Java offers some long, scenic routes between major destinations, some just a short ferry ride from Bali.

Risk & Crime

Indonesia is considered a moderately safe country to visit. Locals are friendly and hospitable, but the risk of tourist scams and pickpocketing is relatively high compared to other destinations. However, most travelers can still expect their trip to go smoothly if they stay vigilant. Cities like Jakarta in particular contain pickpockets who target travelers, as travelers are expected to carry more valuables and credit cards. To combat this risk, leave your valuables locked in your hotel safe or carry them very close whenever possible, even in taxis.

Most countries face some type of risk of natural disasters, and Indonesia is no exception. Because Indonesia lies on the Pacific Ring of Fire, the island nation is susceptible to earthquakes, tsunamis, and volcanic activity. Refer to Indonesia's Meteorological, Climatological, and Geophysical Agency forecasts for the most up-to-date weather and wind information before your trip.

Top 15 Travel Destinations & Tourist Attractions in Indonesia

  1. Raja Ampat
  2. Komodo National Park
  3. Bali
  4. Lake Toba
  5. Lombok
  6. Tana Toraja
  7. Borobudur
  8. Yogyakarta
  9. Bromo Tengger Semeru National Park
  10. Gili Islands
  11. Jakarta
  12. Tanjung Puting National Park
  13. Bukit Lawang
  14. Bandung
  15. Labuan Bajo

U.S. / Indonesia Embassy and Consulate Locations

U.S. Embassy and Consulates in Indonesia

  • Jakarta, Indonesia — U.S. Embassy Jakarta
    Jl. Medan Merdeka Selatan No. 3 - 5
    Jakarta 10110 Indonesia
    Phone: 62.21.5083.1000
  • Bali, Indonesia — U.S. Consular Agency
    Jl. Hayam Wuruk 310
    Denpasar 80235 Bali, Indonesia
    Phone: 62.361.233.605 / 62.361.246.859
    After-hours Emergency Line: 62.21.5083.1000, press 0 to speak with the operator
  • Surabaya, Indonesia — U.S. Consulate General Surabaya
    Jl. Citra Raya Niaga No. 2
    Surabaya 60217 Indonesia
    Phone: 62.31-297.5300
  • Medan, Indonesia — U.S. Consulate Medan
    Uni Plaza Building, West Tower, 4th Floor
    Jl. Let. Jend. MT Haryono A-1
    Phone: 62.61.451.9000

Indonesian Embassy and Consulate in USA

  • Washington DC — Indonesian Embassy
    2020 Massachusetts Avenue, NW
    Washington DC 20036 United States
    Phone: 1.202.775.5200
  • Los Angeles, California — Indonesian Consulate General
    3457 Wilshire Boulevard
    Los Angeles, CA 90010 United States
    Phone: 1.213.383.5126
  • San Francisco, California — Indonesian Consulate General
    1111 Columbus Avenue
    San Fransisco, CA 94133 United States
    Phone: 1.415.474.9571
  • Honolulu, Hawaii — Indonesian Honorary Consulate
    ASB Tower, Suite 2970
    1001 Bishop Street
    Honolulu, HI 96813 United States
    Phone: 1.808.531.3017
  • Chicago, Illinois — Indonesian Consulate General
    211 West Wacker Drive
    Chicago, IL 60606 United States
    Phone: 1.312.920.1880
  • Houston, Texas — Indonesian Consulate General
    10900 Richmond Avenue
    Houston, TX 77042 United States
    Phone: 1.713.785.1691
  • New York, New York — Indonesian Permanent Mission to the UN
    325 East 38th Street
    New York, NY 10016 United States
    Phone: 1.212.972.8333

Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions, and benefits. When in doubt, please contact one of our licensed agents for additional assistance.