Travel Insurance Indonesia

Traveling requirements to Indonesia have become easier since the COVID days. You no longer need a vaccine or a negative COVID test to enter. You will need a valid visa, (which for some nationalities you can get on

Indonesia is generally safe; however, there are a number of risks that tourists should be aware of:

Health

Dengue Fever: There has been a significant rise in dengue fever cases, particularly in popular tourist destinations like Bali. 

As of July 30, 2024, Indonesia had reported 149,866 confirmed cases of dengue fever so far that year. This is about three times more than the same period in 2023.

This mosquito-borne illness can cause severe flu-like symptoms and, in extreme cases, be fatal. 

Travelers can avoid being bitten by:

• Using insect repellent
• Wearing long sleeves and pants
• Ensuring their accommodation is properly screened 

Rabies: Rabies is present in both wild and domestic animals in Indonesia, including pets. Seek immediate medical assistance if you’re bitten or scratched. 71 people died of rabies in Indonesia in the first six-months of 2024.

Air pollution: Major cities in Indonesia can experience ‘unhealthy’ air quality levels. This can be caused by emissions, ash plumes from volcanic eruptions and smoke from forest fires. The poor air quality can affect those with respiratory conditions. 

Safety and security

Roads: Driving in Indonesia is challenging. Traffic discipline is poor and there has been a notable increase in moped and motorbike accidents, particularly in Bali. 

In 2022, Indonesia recorded approximately 204,450 road traffic accidents, significantly rising from the previous year. If you don’t feel safe driving, hire a private driver or use public transport. 

Terrorism: There’s a high threat of terrorist attacks in Indonesia, with potential targets including tourist areas. Tourists should remain vigilant, especially during religious holidays and significant events. 

Natural Disasters: Indonesia is prone to natural disasters, including volcanic eruptions, earthquakes, and tsunamis. Recent volcanic activity has led to exclusion zones, and flight disruptions have been reported due to volcanic ash. You can check to see if any volcanic eruptions are expected using this volcanic activity tracker—however, you may need to translate it into English.

⚠️ Your LUMA travel policy covers you for flight cancellations and other non-refundable trip expenses due to natural disasters and extreme weather events—but not if they were already forecast when you purchased your trip insurance.

Crime: Petty crimes, such as pickpocketing and bag snatching, occur in tourist areas. There have also been reports of scams and credit card fraud. Exercise caution, and be wary of unfamiliar individuals offering unsolicited assistance.

arrival) and a passport with at least 6 months validity are still required. For a more in-depth list of travel requirements, you can read our blog on travel requirements to Indonesia.

Most travelers will need a visa to visit Indonesia. Whether you do or not depends on your nationality and length of stay. 

Citizens of the following countries can visit Indonesia visa-free:

• Brunei
• Philippines
• Cambodia
• Singapore
• Malaysia
• Thailand
• Laos
• Vietnam
• Myanmar  
• Columbia
• Hongkong
• Timor Leste

For certain nationalities, visas can be obtained upon arrival at the airport—however, it’s often easier to apply for a visa online before you travel. 

Tourist visas cost 31.00 USD and are valid for 30 days or can be extended to 60 days. 

Due to the dynamic nature of visa regulations, it’s crucial to check the current requirements with the embassy in your respective country before traveling to Indonesia.

Read our Indonesia travel advice guide to find out more. 

You no longer need a vaccine or a negative COVID test to enter Indonesia. However, you do need a passport with at least 6 months validity and a visa (which for some nationalities you can get on arrival). For a more in-depth list of travel requirements, you can read our blog on travel requirements to Indonesia.

Contact the emergency services immediately:

• Medical emergency services in Jakarta: 119
• Medical emergency services in Bali: 118

Once you receive emergency treatment, call the LUMA hotline provided with your policy. Our team will provide you with support to ensure you get suitable care.

The overall standard of healthcare in Indonesia may not be suitable for serious medical or surgical conditions. 

For international travelers facing significant illness or injury, we can recommend medical evacuation to a suitable medical facility. In some cases, this could be in another country, like Singapore or Thailand.

Read our full blog on what to do in case of emergency in Indonesia.

Numerous private health clinics in Indonesia address travelers’ medical needs. For a complete list of clinics, including their contact details, have a look at our comprehensive guide: What to Do in Emergency in Indonesia. This guide provides essential information to help you access reliable medical care during your trip.

Indonesia is a religiously diverse country, so it is important to respect local customs and beliefs. 

For example, on the island of Java, the majority of the population is Muslim, while on the island of Bali, the majority is Hindu. 

In Bali, visitors should avoid disturbing the small religious offerings they might find on the ground. Sarongs and hip scarves are required to enter ancient temples, and you should dress modestly when attending religious sites.

We recommend using Bluebird taxis. They are safe and use metered fares, so there is no need to worry about being overcharged. 

Bluebird also has an app that allows you to order taxis from your current location and pay for them via credit card. Cash is also accepted if you prefer to pay the driver directly.

Indonesia has around 17,000 islands—so seeing all of it is tricky! Here are the main areas we recommend visiting:

Bali

Bali, often called the Island of the Gods, is Indonesia’s most iconic destination, renowned for its breathtaking beaches, verdant rice terraces, and vibrant cultural heritage. From riding the waves at Kuta Beach to finding serenity in the artistic heart of Ubud, Bali offers an unforgettable experience for every type of traveler.

Jakarta

Jakarta, Indonesia’s bustling capital, is a city of contrasts, offering a unique blend of modern skyscrapers, historic landmarks, and vibrant street life. Visitors can explore cultural treasures like the Old Town, enjoy shopping at world-class malls or savor local cuisine at bustling street food stalls. 

Lombok

Often seen as Bali’s quieter neighbor, Lombok offers a perfect mix of natural beauty and unspoiled charm. Known for its pristine beaches, crystal-clear waters, and dramatic volcanic landscapes, Lombok is a haven for adventure seekers and relaxation lovers alike. This island delivers a more laid-back and authentic Indonesian experience away from the crowds.

Yogyakarta

Often called the cultural heart of Java, Yogyakarta is a vibrant city rich in history, art, and tradition. Known for its royal heritage, it is home to the majestic Kraton (Sultan’s Palace) and the Borobudur and Prambanan temples, two of Indonesia’s most iconic UNESCO World Heritage Sites. Yogyakarta offers a captivating blend of history and charm.

The official currency of Indonesia is the rupiah, denoted by Rp or IDR. 

While most areas in Indonesia accept credit/debit cards, smaller merchants and local markets in Indonesia prefer cash, so be sure to carry some on you.

At the time of writing, these are the exchange rates for IDR:

• 1 USD = 16,253 IDR
• 1 AUD = 10,153 IDR
• 1 GBP = 20,329.97 IDR
• 1 EUR = 16,920 IDR