insuranceindo
Get quotes
Home /Categories /Travel insurance
Travel insurance · Indonesia outbound

Pack light.
Cover heavy.

Schengen-grade single-trip and annual multi-trip policies, compared side by side. Indicative premiums from Rp 95k/trip (ASEAN weekend trips).

Quick quote
Compare now
Free · 60 sec · WhatsApp
Single trip or annual?

How often do you really travel?

Take several trips a year and annual multi-trip usually wins. Here's the breakeven, worked from the plans below.

Single trip
Rp 240k /trip
From Chubb Voyager Schengen · indicative, single Schengen trip
  • ● One trip per policy
  • ● Buy 24h before departure (some insurers)
  • ● Best for: a trip or two a year
Most popular
Annual multi-trip
Rp 1.4M /yr
From Allianz TravelPro Annual · unlimited trips, up to 90 days each · indicative
  • ● Unlimited trips for 12 months
  • ● Pays for itself at 6+ Schengen trips a year (fewer if you mix in pricier destinations)
  • ● Best for: digital nomads, business travel
The plans we compare

4 travel plans, side-by-side.

A
AIG
Travel Guard Asia
Entry
From
Rp 95k/trip
Best for: ASEAN weekend trips
  • Per-trip cover
  • Medical Rp 250M
  • Baggage Rp 5M
Watch outNot Schengen-grade
Compare AIG quotes
Compared · public data
C
Chubb
Voyager Schengen
Popular
From
Rp 240k/trip
Best for: Schengen visa applicants
  • €30k+ medical (visa-OK)
  • Trip cancellation
  • Embassy-recognized cert
Watch outSingle trip only
Compare Chubb quotes
Compared · public data
A
Allianz
TravelPro Annual
Popular
From
Rp 1.4M/yr
Best for: 4+ trips per year
  • Unlimited trips
  • Up to 90 days each
  • Worldwide ex-US
Watch outPer-trip duration capped
Compare Allianz quotes
Compared · public data
A
AXA
Smart Traveller Worldwide
Premium
From
Rp 2.6M/yr
Best for: Global executives
  • Worldwide incl. US
  • Adventure sports rider
  • Concierge claims
Watch outPremium pricing
Compare AXA quotes
Compared · public data
Same 4 plans as our comparison table. Starting prices are indicative entry-level premiums from public insurer pages — the real premium depends on your age, plan level and underwriting. No insurer pays for its position in this list.

InsuranceIndo is a comparison platform, not an insurer or broker. Figures are indicative; the final premium comes from the licensed insurer after underwriting. We may earn a fee from partners — how we make money.

By destination

How much cover do you actually need?

Cover requirements vary wildly by destination. Here's the rough rule for where you're going.

Required by visa
Schengen / EU
Paris, Amsterdam, Rome
Min EUR 30k medical
Highly recommended
Japan
Tokyo, Osaka, Kyoto
USD 100k+ medical
Essential
USA & Canada
NYC, LA, Toronto
USD 500k+ medical
Recommended
Asia
Singapore, Bangkok, Seoul
USD 50k+ medical
Required for some visas
Australia
Sydney, Melbourne
USD 100k+ medical
Optional
Domestic ID
Bali, Lombok, Yogyakarta
Rp 50M+ medical

What's actually covered?

The clauses that matter when something goes sideways at the airport.

Usually covered
Emergency medical & hospitalization
Medical evacuation & repatriation
Trip cancellation & curtailment
Lost or delayed baggage
Flight delay (after 6h)
Personal liability abroad
Often excluded
Pre-existing conditions (unless declared)
Adventure sports (unless rider added)
Travel against government advisory
Alcohol-related incidents
Pregnancy after 26 weeks
Cash & jewellery above set limit

Common questions.

Do I really need travel insurance for a Schengen visa? +
Yes — it's a hard requirement. Schengen embassies require minimum EUR 30,000 medical cover valid for the entire trip, plus repatriation. Without proof of insurance the visa will be refused.
Can I buy travel insurance after I've already left Indonesia? +
Most insurers require purchase before departure. A handful of "in-trip" plans exist but with a 72h waiting period before any cover kicks in. Buy before you fly.
Is COVID still covered? +
Most major insurers now include COVID-19 medical cover by default; quarantine costs and cheaper plans vary, and some treat it as an add-on. Always check the policy schedule before you buy.
What about adventure sports — diving, surfing, motorbike? +
Most standard plans exclude motorbikes above 125cc, scuba below 30m, and any motorsport. Add an "adventure sports" rider if you're renting a scooter in Bali or diving in Komodo.
How fast does a claim get paid? +
For emergency medical, the insurer pays the hospital directly via the assistance hotline — call them first. For trip cancellation or baggage, expect 2–4 weeks after submitting documents.

Where to next?

60-second form. A real human replies same day with quotes from licensed insurers — Schengen certificate included where you need one.

Get travel quotes Or compare health insurance →