A holiday to Indonesia can pose many financial risks, from delayed flights and lost luggage, through to serious overseas medical emergencies. Whenever you head off for an overseas trip, ensure you have the right level of travel insurance cover in place for your peace of mind.
Indonesia as a whole is becoming an increasingly popular tourist destination for Kiwi travellers, while Bali has long been a favoured getaway spot for tourists from down under. However, despite its magnificent natural beauty and fascinating culture, Indonesia does present a range of risks that could end up leaving travellers significantly out of pocket if they don’t have the financial protection offered by travel insurance.
Continue reading our guide for Travel Insurance to Indonesia or if you’re ready to compare policies.
Getting the most out of travel insurance for Indonesia
From its beautiful beaches and soaring mountains, to its ancient temples and friendly locals, Indonesia offers an enchanting and memorable experience to travellers. Unfortunately, many of those experiences also come with an element of risk attached. Without insurance, you could be left displaced and in a financial mess.
Case Study A
Megan had planned a last minute, eight day trip to Indonesia. With the short travelling distance and lack of time to prepare, Megan almost forgot to buy sufficient travel insurance for Indonesia. Luckily Megan’s sister Anna reminded her to buy a comprehensive cover inclusive of outdoor activity cover last minute at the airport, knowing that they would be outdoors for the majority of their trip.
On the 3rd day of the their trip and upon a sunrise hike on Mount Bromo Megan fractured her ankle as their tour descended back down the mountain. Megan was charged with a large hospital fee for the check up, surgery, stay for the week and medication. Anna provided the hospital with their insurance details, and the provider guaranteed an $8,000 payment to the hospital.
Had they not been able to pay, Megan would have been in both financial and physical distress for the rest of her trip.
Case Study B
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Carly had planned a two-week getaway to Indonesia. But after months of anticipation, Carly was dismayed when political problems in Indonesia led to a climate of civil unrest and violent protests in certain hotspots around her dream travel destination. With the Government recommending against travel to Indonesia, Carly knew she had little choice but to cancel her trip.
Luckily, her travel insurance policy for Indonesia had cancellation protection, and provided full cover for the cost of cancellation fees and lost deposits she incurred due to civil unrest, allowing Carly to recoup a good portion of her expenses she had forked out for her holiday — around $3,000 in total.
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- Cancellation of flights/accommodation. Flights can often be cancelled due to circumstances outside of your control or a whole trip may need to be cut short due to an unfortunate death back home. Having travel insurance that can alleviate the financial cost of such situations is essential.
- Overseas medical expenses. Travel insurance for Indonesia should cover potential medical treatment requirements or hospital fees that could come up from activities you partake in e.g. surfing or hiking.
- Evacuation. If Indonesian medical authorities deem it necessary to evacuate you back home, then travel insurance can help cover this.
- Loss of luggage and personal belonging. Attempting to get documentation from an airline is hard enough, let alone in another language. Allow travel insurance to cover the financial implications should they arise.
- Cost of delays. E.g. insure yourself the cost of having to buy food at Soekarno–Hatta International Airport in the case of an 8 hour delay.
- Rental vehicle damages. Renting motorcycles and other vehicles will expose you to many risks.
- Theft. A common occurrence in Indonesia, it is vital that you cover yourself for this.
- Terrorism and civil unrest. While some insurers will have clauses that nullify claims due to these circumstances, some providers will provide trip cancellation protection if a sudden instability in Indonesia causes plans to be halted.
Motorcycle and scooter travel are both very popular ways to get around in Indonesia, so check your insurance policy to see whether you are covered to ride a motorbike.
While travel insurance for Indonesia does differ between insurers, as a general rule you will have to satisfy the following requirements in order to be covered when riding a motorbike or scooter:
- You must be wearing a helmet
- You must hold a valid Indonesian licence
- If riding a motorcycle rated 125cc or higher, you must hold a current and valid licence to ride an equivalent powered bike in New Zealand.
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If you find yourself needing emergency medical treatment when Indonesia, you should be aware that it can be astronomically expensive without travel insurance. Depending on where you’re travelling providers may have different procedures regarding how you will pay for your hospital stay. For example, some travel insurance policies for Indonesia will require you to pay upfront (and then claim later) for a visit to the doctor but will automatically cover the cost of your hospital stay.
In Indonesia, the standard of medical treatment available is lower than in New Zealand. In most cases, you’ll need to either pay medical bills upfront or provide confirmation that you have travel insurance in place to cover medical costs – even when you need to access emergency care. It’s also worth keeping in mind that medical evacuation to New Zealand or Singapore is quite a common practice for Kiwi travellers who fall ill or are injured in Indonesia, and in some situations this can cost in excess of $90,000.
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Paul and Jenny
Paul was involved in a tuk tuk accident in Indonesia and suffered a broken arm, two fractured ribs and a punctured lung. He was taken to a local hospital to receive treatment, but before admission he was required to provide proof of travel insurance cover for medical costs. His policy with insurance provider A provided upfront cover for all his medical costs, meaning Paul could rest easy and receive the treatment he needed.
Compare that with Jenny who was travelling in the other tuk tuk involved in the accident. She suffered the exact same injuries as Paul, but as she had a travel insurance policy with insurance provider B she did not enjoy the same level of cover. Insurance provider B required her to pay for her own medical costs upfront, which amounted to several thousand dollars and were simply too much for Jenny to afford. Only after receiving an urgent loan from her parents back in New Zealand could Jenny afford to pay for the treatment she so desperately required.
- Exercise a high degree of caution due to the ongoing threat of terrorist attack.
- Be aware of the harsh penalties imposed on certain crimes, for example narcotics offences.
- Stay on top of your personal security and keep an eye on your personal belongings at all times.
- Avoid all protests, demonstrations and rallies.
- Be wary of drink spiking in tourist areas.
- Watch out for scams and credit card fraud wherever you travel.
- An Indonesian holiday can provide a once-in-a-lifetime adventure and a wealth of experiences you’ll never forget, but if you don’t have travel insurance for Indonesia, it could be unforgettable for all the wrong reasons. Shop around and compare all your options to find a policy that offers the cover you need and the peace of mind you desire to let you enjoy your holiday.
When you’re comparing travel insurance for Indonesia as part of your search for the best* policy, keep these handy tips in mind:
- Get multiple quotes. Getting travel insurance quotes for Indonesia is a breeze online, so make sure to obtain multiple quotes from a range of insurers. This will give you a good idea of how much cover will cost.
- Consider your options. Planning to ride a motor cycle in Indonesia? Look for a policy with optional motor cycle cover. Are you an adrenalin junkie? Look for a policy that will cover you for participation in a range of adventure activities like scuba diving.
- Don’t buy from a travel agent. Policies from travel agents can cost a whole lot more because of the potential commission your agent adds on top of the price of cover. You can save a whole lot of money – and still get the same level of cover – if you buy your policy online direct from the insurer.
- Read the fine print. This is a tip you should follow when buying any type of insurance. Product disclosure statements contain lots of important info about your policy. Read each PDS closely so you can be fully aware of the features of your policy e.g. You may have a spouse who needs cover too.
- Don’t forget the exclusions. Don’t skim over the general exclusions section of the PDS, as the last thing you want is an unpleasant surprise when you lodge a claim and it is rejected. From rejecting claims because you are under the influence of alcohol as you get into an accident in Jakarta, through to refusing lost or stolen baggage claims when you leave your bags unattended at Kuta Beach in Bali, there are plenty of common exclusions you should be aware of.
- It’s not about the money. Sure, cost is always an important consideration when shopping for travel insurance, but you’ll need to consider the cost of premiums in relation to the cover on offer. This is the best* way to ensure that you get value for money.
- Read our guide to cheaper travel insurance. Get an in depth understanding of adequately covering yourself for less.
Although the exact claiming procedure may differ between insurers, there are certain steps you will generally need to follow if something goes awry while you’re in a non english speaking country like Indonesia. These include:
- If you need emergency assistance. Call your insurer’s emergency assistance line. These are usually staffed 24/7 and can help provide assistance with things like finding a doctor, medical referrals and transport, emergency travel advice, legal help and even an Indonesian translator.
- If you’re the victim of theft. Report the matter to the local Indonesian police immediately and obtain a written copy of the report.
- If an airline or other travel provider loses your baggage. Report this to the travel insurance provider and get confirmation of this in writing.
- Make sure you have receipts for any relevant items. For example, you may need receipts when you incur additional accommodation and meal expenses due to a travel delay, or you may need to purchase emergency toiletries and clothing when an airline misplaces your luggage.
- Make sure you have receipts and proof of ownership for high-value items like laptops and cameras. This will be a big help come claims time.
- Each insurer will provide you with specific instructions. Many provide online claims services to make the process as quick and easy as possible, while others will require you to fill out a claim form and submit it along with any supporting documentation. While it’s possible to claim overseas, as a general rule, you will need to lodge your claim with your insurer as soon as possible after returning to New Zealand but within roughly 30 days.
If you find yourself in an emergency in Indonesia, some of helpful contacts include:
- Your travel insurer. Your insurance provider will have a 24/7 helpline for claims and medical emergencies.
- National emergency hotline. You can reach this service by dialling 110 for police, 113 for fire and 118 for ambulance.
- New Zealand Embassies and Consulates. Find the contact details of New Zealand Embassies and Consulates in Indonesia on the MFAT website.
*The use of terms ‘Best’ and ‘Top’ are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing travel insurance policies.