Do I need a Travel Insurance for Indonesia?

Being an independent traveler myself, I have to say that one of the best decisions I made was to get a travel insurance whenever I go traveling to anywhere in the world, and Indonesia is no exception.

There are many times that I had unexpected things happening which caused me to be thankful that I had bought a travel insurance in retrospect.

Personal accounts on travel insurance

Travel curtailment
On my first extended backpacking, it was in Europe and with Murphy’s law, I got called from my family back home that my dad had to undergo a heart surgery (don’t worry my dad is healthy and well now), so I had to cut short my trip and pay to change my return flight to earlier. Also, I had to waste a few of the pre-bought domestic flights in Europe. I manage to recover all the extra expenses needed to get back early and also money spent but unable to use. The few thousands redeemed is worth so much more than the few hundreds worth of insurance that I bought.

Loss of belongings
In another time I was back in Netherlands for work and at the most unlikely place, which is in a well-known hotel, my handbag got stolen right in front of my friend at the breakfast table. There are some really professional thieves out there and you can never be too careful sometimes. This is where the travel insurance comes in and helped me recover some of my losses from the valuables in my handbag.

Travel Insurance for Indonesia

Minor accident
During the trip in Cambodia, I took the liberty to rent a motorcycle to explore around a small village and an island. Everything went well on a whole day exploring but who would have thought, a short trip out the next day got me falling off the bike due to a flat tyre that I had overlooked. Lucky for me there was nothing major, but in retrospect, if there is anything that would have me ended up in a hospital there, then I would definitely be glad that I have a travel insurance to cover for it.

Foot infection
In my most recent independent traveling, it was in Myanmar which I, unfortunately, got a foot infection. This is possibly due to the many times we had to go barefoot in many of the temples and prior to that, I had some blisters due to trekking in hills. With this, of course, I had to seek medical treatment after and once again the travel insurance came to the rescue.

Why you need a travel insurance for Indonesia

So as you can see anything can happen despite our best intentions to keep safe. There are many external forces and sometimes it is due to our own negligence. If I needed travel insurance anywhere in the world from Europe to Asia, then I believe Indonesia is of no exception. In your travel to Indonesia, a travel insurance is a must although we all do wish we do not need to do any claims on it. Above all else, the best value from a travel insurance is that it buys us peace, it let us know that we are covered in the event of anything major that is unexpected.

Why World Nomads

For independent travelers who are always on the go and sometimes be gone from their home country for an extended period of time, World Nomads which you can deal with online from anywhere seems to be the answer. They also cover for residents of Indonesia and many other countries in the world that are traveling to anywhere else, depending on the insurance coverage that you bought of course.

Few of the things you should know about World Nomads travel insurance:

What does the travel insurance cover
Besides the usual medical care, lost or stolen personal belongings, trip cancellation or curtailment, personal liability and medical expenses, you should check what does the policy covers. Take note of any extra add-ons and also any clause to all those claims you are entitled to. The best advice about buying a travel insurance is to read the policy properly before deciding.

Adventurous activities
World Nomads is also different from quite a number of travel insurance because they insure adventurous activities. But do check out first what are covered and which plan that would suit your appetite for adventure.

Making a claim online
With World Nomads, it is one of its kind where you can actually make your claims online from anywhere in the world and not just from your home country. This is definitely good to know for long terms travelers of the world. This would also mean you can do your claim right from Indonesia itself if there is a need while traveling there.

How to buy?
You can buy the World Nomads insurance online with credit card here or use the form below.

If you buy a travel insurance from World Nomads through Indonesia Travel Guide, we may be paid a commission for the sale, but rest assured we know that World Nomads is a trusted insurance provider that many independent travelers around the world vouch for. Have fun and safe travels!

Related articles:
1 Month Travel Itinerary in Indonesia
Indonesia Travel Tips and Information
Me, the Solo Female Traveler in Indonesia
Backpacking Solo in Indonesia for One Month

Vaccinations for Traveling in Indonesia

As an independent traveler who does your own planning of routes and activities, it is most important to also plan for your own health and safety. You would want to be independent but being sick and hurt is not really fun and could potentially cause you to end your travels! It is generally well advised to check that your common immunizations are up to date before traveling to Indonesia. Also you might want to take extra boosts with the possible health risks listed below.

But do not fear as all in all if you mostly take precautions, the health risks can be greatly minimized. If traveling off the beaten tracks, make sure you’re have taken your vaccines and you are well prepared like packing in your insect repellants. Also always be careful when coming in contact with animals.

Vaccinations and Health in Indonesia

Vaccinations and Health in Indonesia


Primary courses and boosts are up to date, commonly advised ones are diphtheria, tetanus, hepatitis A and cholera.
Yellow fever vaccination if you are coming from areas with risk of yellow fever.

How possible diseases here may spread:
Tetanus – contracted through cuts/scratches with serious infection
Typhoid and Hepatitis A – from contaminated food and water
Cholera – also through contaminated water and food
Diphtheria – through personal contact
Hepatitis B – through infected blood, contaminated needles and sexual intercourse
Japanese encephalitis – by mosquitoes
Rabies – bites or licks from infected animal
Dengue fever – mosquito bites
Shcistosomiasis – parasitic infection through fresh water

Malaria Risks

There are also risks of Malaria but mostly to only far out places away from large cities or tourist popular places like Bali and Java. Always avoid mosquito bites by covering up or using insect repellants.

Other common traveler’s health issues:
Traveler’s diarrhea – it could be quite common here if you are not used to the food and hygiene. Just in case, pack in ciproflaxin for bacteria and also loperamide to aid in your diarrhea. Before all these, always ensure you intake enough water.
Cuts/bruises – always take adequate medical aid for small emergencies.
Altitude sickness – if you plan to do hiking or trekking in mountains, take note of possibility of altitude sickness. Always ascend slowly, acclimatize and take with you the appropriate medication for it if you think you need.

Travel Insurance

If traveling for more than a week, it is a good idea to have travel insurance that can cover your for emergencies.

Indonesia Health and Safety

Although there are large numbers of natural disasters reported in Malaysia, it is against a wide area as Indonesia is a large country spanning across few time zones. Natural disasters common here are the earthquakes, tsunamis and volcanic eruptions but very limited to the region that would be affected itself.


The crime rate in Indonesia has increased over the years but most are just petty thieving like robbery, theft and pickpocketing. Avoid showing your valuables and money in public and like most places in the world, be aware of your surroundings especially popular public places. There are several bombing reported at highly concentrated tourist area such as Bali and Jakarta, so as to minimize your risk, try to avoid tourist packed nightclubs or restaurants.


It is recommended to get vaccinated for hepatitis A and typhoid fever before traveling to Indonesia as food hygiene in some areas are questionable. Get more information in vaccinations for traveling in Indonesia.

Medical issues

Dengue is rampant in remote areas of Sumatra, Borneo and Lombok or points east, so bring strong repellants and be careful. Also the air quality in Indonesia is quite poor, especially in major cities, with occasional haze (June-October) from forest fires in Borneo and Sumatra, so if you have respiratory problems do remember to bring your medication and breather.

Areas to avoid

Maluku – there is serious civil unrest in this area with long standing communal tensions.
Papua and West Papua – political tension creates a high risk security situation in that area.
Central Sulawesi – security situation on risk due to religious tensions and terrorist activities.