7 Best Travel Insurance in Indonesia for Foreign Tourists

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Traveling to Indonesia offers an unforgettable experience — from the beaches of Bali and Lombok to the cultural wonders of Yogyakarta and the highlands of Sumatra. 

But while your trip might be full of adventure and beauty, unexpected incidents can happen anywhere. That’s where travel insurance comes in.

Having proper insurance coverage not only protects you from medical emergencies but also gives peace of mind during your journey. 

To help you choose wisely, here are the 7 best travel insurance options in Indonesia for foreign tourists in 2025.

7 Best Travel Insurance in Indonesia for Foreign Tourists

1. Allianz Travel Insurance

Allianz remains one of the top choices for international travelers visiting Indonesia. Their travel insurance plans cover medical emergencies, trip cancellations, lost baggage, and COVID-19-related issues.

Why it’s great: Global reputation, 24/7 emergency assistance, and cashless hospital network in major Indonesian cities.
Best for: Long-term travelers and digital nomads staying for several months.

2. AXA Smart Traveller

AXA offers flexible coverage for both short-term and long-term stays. Its Smart Traveller plan provides comprehensive protection, including accident coverage, flight delays, and loss of documents.

Why it’s great: Quick claims process and multilingual support for foreign tourists.
Best for: Backpackers or budget-conscious travelers.

3. Zurich Travel Insurance

Zurich Indonesia has a dedicated travel insurance plan designed for foreigners entering the country. The plan includes medical expenses, emergency evacuation, and personal liability coverage.

Why it’s great: High medical coverage limits and smooth claims assistance.
Best for: Travelers exploring remote islands or adventure seekers (like diving or hiking).

4. Sompo Travel Guard

Sompo Insurance is well-known in Asia for its reliable customer service and wide coverage. Its Travel Guard policy protects against medical treatment, personal accident, and trip curtailment.

Why it’s great: Simple online purchase and direct billing at partner hospitals.
Best for: Business travelers or family trips.

5. Tokio Marine Travel Insurance

Tokio Marine is one of the most trusted insurance brands in Asia. For tourists in Indonesia, it provides policies that cover medical emergencies, theft, and baggage loss with competitive premiums.

Why it’s great: Good reputation for claim settlement and emergency assistance network.
Best for: Tourists staying in multiple Indonesian islands.

6. Chubb Travel Insurance

Chubb is popular among frequent international travelers. Their travel plan covers accidental death, emergency medical care, travel disruption, and stolen items.

Why it’s great: Fast online purchase, global claim support, and wide coverage options.
Best for: Frequent flyers or tourists entering Indonesia multiple times a year.

7. MSIG TravelEasy

MSIG Indonesia offers an affordable yet complete travel insurance product called TravelEasy. It covers hospitalization, trip cancellation, and 24-hour assistance, including evacuation for serious illnesses.

Why it’s great: Budget-friendly, straightforward, and reliable for first-time visitors.
Best for: Tourists with short visits (1–2 weeks).

What to Consider When Choosing Travel Insurance in Indonesia

Before purchasing a travel insurance plan, make sure to review these key points:

1. Medical Coverage Limit

Ensure the plan covers at least USD 50,000 in medical expenses. Hospital bills for foreigners in Indonesia can be costly.

2. Emergency Evacuation

Choose a policy that includes air ambulance or evacuation to Singapore or your home country if needed.

3. COVID-19 and Infectious Diseases

Some insurers still provide coverage for pandemic-related incidents, which is crucial for 2025 travel.
Adventure Activities:
If you plan to dive in Raja Ampat or trek Mount Rinjani, confirm that the insurance covers such high-risk activities.

4. Cashless Claims

Opt for insurers that have partnerships with hospitals in Bali, Jakarta, Yogyakarta, and Surabaya for easy claims.

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