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Travel Insurance

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• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

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Travelling to Indonesia for an exotic getaway? Or more specifically,  Bali ? Either way, InsureandGo offer a great range of travel insurance , no matter where you’re going or what you’ll be getting up to.

All of our policies provide cover for  over 50 amazing sports and activities as standard  so you can get up to more on your holiday. We also  consider all medical conditions  and have  no upper age limit , so get in touch today or simply  get a quote online .

Before you buy travel insurance for your holiday to Indonesia, there are a few things to think about:

• The cost of your trip – if you have to cancel, it’s important to know that you can get your money back
• The activities you’re likely to be doing – if you’re planning anything really extreme, we can offer you extra cover with our  adventure and extreme sports policy
• How much medical coverage you have – no-one wants to think about getting ill or having an accident abroad but, unfortunately, it does happen
• Always check the  latest travel advice for Indonesia from the FCDO

Our Coronavirus Travel Insurance is rated Superior by a leading UK Consumer Champion. All of our policies will cover you if you catch Coronavirus.

What’s covered with our travel insurance to Indonesia?

As standard, our cover to Indonesia will include:

• Medical expenses and hospital benefit
• Personal accident and liability
• Cancelling and cutting short your holiday
• Abandoning your trip
• Delayed departure
• Accommodation cover
• Personal belongings and baggage
• Personal money, passport and travel documents
• Legal expenses

What if you’re travelling to more than one island in Indonesia?

We should be able to cover you from the date that you leave your home country until the date that you return from Indonesia. This means we can cover travelling to multiple destinations as part of your holiday.

To make sure you’re covered, check:

• That the policy you’ve chosen covers you for all the regions that you plan to visit
• None of the places you’re visiting are against the advice of the FCDO (unless that advice relates solely to Coronavirus; read about our Coronavirus travel insurance for more details)
• That the duration of your holiday is covered – different policies have different maximum trip lengths
• You’ve got all the visa requirements needed for each country you’ll be visiting

Do I need a visa for Indonesia?

If you’re a British citizen with a valid passport, you’re allowed to visit Indonesia for up to 30 days without a visa. If you’re planning on visiting longer than 30 days, then you’ll need to apply for a visa with the  Indonesian Embassy .

Healthcare in Indonesia

Indonesian healthcare facilities are in quite poor condition, which often makes it difficult to find services in remote areas that can properly tend to serious injuries or illnesses. Good medical care can be found in Indonesia, however it can be very expensive.

It’s also important to be aware that there’s a risk of volcanic ash pollution which can reduce the quality of the air, which could potentially have an effect on health, particularly for those who have pre-existing medical conditions such as asthma . You can find out more information about  volcanic health hazards for ash here .

It’s important that before your trip you make sure that you have adequate medical travel insurance . This is so you can rest assured knowing that you’re covered if anything were to happen. We would also recommend that you speak to your GP at least four to six weeks prior to travelling, to check whether there are any vaccinations or other preventative measures needed.

You can find more information about  healthcare in Indonesia here .

For information about  Bali travel insurance  click on the image below:

Or check out our  policy documents  if you still can’t find what you’re looking for.

Can you help if I need medical treatment while in Indonesia?

Yes – all our policies come with access to our 24-hour emergency assistance team, so there will always be someone here to help you if you become ill or are injured while abroad.

If you need assistance just give our emergency medical team a call any time, day or night.

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

Top Travel Insurances For Indonesia You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Indonesia is a huge and bustling country that's famous among visitors and expats for its diverse landscapes (including tropical forests and stunning beaches) and fun cultural experiences, including visiting to the famous Borobudur Temple and the resorts of Bali. Although travelling to Indonesia can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Indonesia and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Indonesia Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Indonesia:

Best Travel Insurances for Indonesia

• 01. Do I need travel insurance for Indonesia? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Indonesia scroll down

Heading to Indonesia soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Is Travel Insurance Mandatory in Indonesia?

No, there's currently no legal requirement to take out travel insurance for travel to or through Indonesia.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Indonesia or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Indonesia:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Indonesia, no matter whether you're planning to recline on a sunny Bali beachfront or explore the concrete jungles of Jakarta.

VisitorsCoverage lets you choose between various plans tailored to meet the specific needs of your trip to Indonesia, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Indonesia:

• Policy Names: Varies
• Medical Coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip Coverage: Excellent - but only available for US residents.
• Customer Support: FAQ, live chat and phone support
• Pricing Range: USD 25 to USD 150 /traveller /month
• Insurance Underwriter: Lloyd's, Petersen, and others
• Best For: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option for Indonesia, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy Names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical Coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip Coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer Support: FAQ, live chat, phone support
• Pricing Range: USD 80 to USD 420 /traveller /month
• Insurance Underwriter: David Shield Insurance Company Ltd.
• Best For: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads in Indonesia because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy Names: Nomad Insurance, Remote Health
• Medical Coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip Coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing Range: USD 45 to USD 160 /traveller /month
• Insurance Underwriter: Tokyo Marine HCC
• Best For: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Indonesia? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Indonesia

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Indonesia. However, we strongly encourage you to do so anyway, because the cost of healthcare in Indonesia can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Indonesia Travel Insurance and Safety Advice

Indonesia travel safety for visitors.

Do I Need Travel Insurance for Indonesia?

Visitors to Indonesia should have comprehensive travel insurance , with both trip and medical coverage. This applies to all trips to Indonesia, from a week at a resort to a six-month stint as a digital nomad. Visitors may need medical care after vehicle accidents, serious sunburn and heatstroke, and tropical and gastro diseases. While as of December 2022, Indonesia does not require visitors to hold health insurance or travel insurance, it is still a good idea for many reasons.

Indonesia’s healthcare system ranks 45th out of 195 countries,  according to the Global Health Security Index . This means that for more complex medical issues, travelers may need to be transported back to their home country for care. Make sure that your travel health insurance includes repatriation, which means transport back to your home country for advanced care.

Indonesia is also home to several active volcanoes and regularly experiences earthquakes and tsunamis. Volcanic eruptions shut down or delayed air travel to Indonesia in 2015, 2017, and 2019. Further travel disruptions can come from political unrest within Indonesia, too. Travel insurance can help with these issues.

Many tourists visit Indonesia for an international experience that is both fun and affordable. But even budget backpackers can and should protect themselves with travel insurance for Indonesia. Australia’s official SmartTraveller site says frankly, “If you can’t afford travel insurance, you can’t afford to travel. This applies to everyone, no matter how healthy and fit you are. If you’re not insured, you may have to pay many 1000s of dollars up-front for medical care.”

Best Travel Insurance for Visitors to Indonesia

Here are options for international health and travel insurance for Indonesia. When you contact an insurer, tell them how long your trip or stay will be and what types of activities you plan to do. Someone spending a week in Balinese spas will have different insurance needs than a hiker exploring Indonesia’s national parks.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Best Insurance for Adventure Travel in Indonesia

SafeTreker Adventure Sports Coverage

• Valid for US residents
• Coverage for over 450+ sports and activities
• Emergency medical coverage

Related: Health Insurance in Indonesia

Medical Preparation for Travel to Indonesia

If you have medical needs or prescriptions, here’s how to prepare for travel to Indonesia.

What Vaccinations Do I Need for Travel to Indonesia?

To go to Indonesia from September 2022, you must provide proof of COVID-19 vaccination , preferably as a certificate. Indonesia has released a new mobile app called SatuSehat, which replaces the previous mandatory app PeduliLindungi; however it is not clear at this time that tourists will need to download the app. The Ministry of Health in Indonesia uses this app to accelerate sharing treatment and more for COVID-19.

Starting on June 9, 2023, the Indonesian Government no longer requires proof of vaccination. However, the U.S. Centers for Disease Control recommends important vaccinations if you’re visiting Indonesia, including tetanus, Hepatitis A and B, and typhoid.

How to Bring Medications to Indonesia

You can bring over-the-counter medications to Indonesia without filling out any forms. However, to bring prescription medications to Indonesia, you must document them in detail.

Indonesia wants you to provide evidence that your medication is prescribed to you and that you need it. This is especially important for painkillers and for psychiatric drugs. Common medications that Indonesia prohibits include Tramadol, oxycodone, codeine, morphine and anything containing amphetamines (ADHD medication is in this category).

What do you need to do to bring prescribed medications with you to Indonesia?

• Before your trip, get a letter from your doctor and copies of your prescriptions. This is to confirm that your medication is prescribed to you and that you need it. You may also need to provide a travel itinerary. This letter and your travel boarding pass should have the same name on them. The letter should make it clear that this medication will be used only by you.
• You will then be asked to declare your medication with a customs declaration  supported by your letter from your doctor.
• If you are traveling from some countries, such as Australia, or if your medication is complicated, your Indonesian consulate may want you to provide this documentation before you travel. In return, you will get a Certified Letter of Approved Medicines, written in Indonesian, that grants you permission to bring and carry your medications.
• Travel with copies of your letter from your doctor and of your prescriptions. Bring your medications in their original packaging, and bring only the amount that you need for your trip.

Indonesian Customs has the power to make a final decision about whether your medication is or is not allowed. Importantly,  don’t bring medical THC or marijuana. They are not considered medications and are not legal in Indonesia.

Also Read: Checklist for Traveling with Prescription Medication Overseas

How to Access Medical Care in Indonesia for Visitors

Indonesia’s health care system is split between basic government health care and private health care supported by health insurance. Government health care is limited and may not provide the most current or thorough care. Visitors to major centers can expect to use private health care.

In Indonesia, a doctor’s visit at a private clinic or hospital ranges from $30 to $70 USD. Seek a healthcare provider who speaks your language. Major cities and tourist areas usually have an English-speaking healthcare clinic or hospital. These providers are often used to working with international health insurers, too.

If you need emergency care in Indonesia, be prepared. You can expect to pay fees for ambulance service from a private ambulance service. Seek a 24-hour clinic or hospital that speaks your language.

Major cities have some foreign pharmacies. In Indonesian, a pharmacy is called an apotik . A good apotik will have a doctor on site who can issue prescriptions. You may see medications for sale at roadside stalls – these are usually counterfeit and not recommended.

Traveling in rural or wilderness areas of Indonesia? Follow your usual medical precautions and bring everything you might need in case of an emergency. There is a shortage of medical care and emergency medical transport in rural areas. If you need medical care often, stick to major centers in Indonesia instead.

Related: Understanding Indonesia’s Health Care System

Travel Warnings and Alerts for Indonesia

International travelers need to be aware of travel warnings and alerts. Good news sources for Indonesia include the BBC, Al-Jazeera, and the Jakarta Post.

U.S. travelers can sign up for the US Smart Traveler Enrollment Program . Enroll your trip and get alerts during your time in Indonesia.

Websites with important alerts for Indonesia include:

• Australian government Smartraveller Indonesia page
• US Department of State Indonesia page
• UK Foreign Travel Advice Indonesia section
• Government of Canada travel advisory page for Indonesia
• Singapore Ministry of Foreign Affairs page

Emergency Contact Information for Indonesia

Here’s a quick guide to emergency phone numbers for Indonesia.

Emergency Assistance Numbers in Indonesia

These phone numbers will help you in cities, small towns, and national parks in Indonesia.

• Fast Medical Assistance – 118 or 119
• Search and Rescue – 115
• Police Department – 110
• Fire Department – 113
• Tourism Information – 116

Also, see the Indonesian government’s site for visitors and their “How do I make calls in Indonesia” page .

Embassy Phone Numbers in Indonesia

This list has phone numbers and links for English-language embassies in Jakarta, Indonesia’s capital city. Links also include information about consulates in other parts of Indonesia, especially Bali.

• United States: +62-21-5083-1000, press 1 for assistance, see U.S. Embassy page for consulate contacts
• Australia: +62-21-2550-5555; see Australian Embassy page for consulate contacts.
• New Zealand: +62-21-299-55800; for after-hours or consulate contacts, see the related NZ diplomatic web page .
• Canada: + 62-21-2550-7800; for consular contacts, see the Canada Travel Destinations page.
• United Kingdom: +62 (21) 2356 5200 for urgent help from the U.K.; for more, see the UK help and services in Indonesia page .

Tips for Safe Travel in Indonesia

Seven Safety Tips for All of Indonesia

• Only drink bottled water. Don’t drink tap water in Indonesia in any form. Ice in drinks, fruit or vegetables washed in tap water, or even water in your mouth in the shower can introduce gastro bugs to your system.
• Avoid food poisoning; be careful about what and where you eat. Food poisoning happens so often in Indonesia that Australian travelers call it “Bali belly.”
• Watch your valuables. Bag snatching and pickpocketing are common in tourist areas – the most common crime is the theft of mobile phones. Do not leave belongings on a beach to swim or wade and expect to find them there when you return!
• Indonesia has a hot, tropical climate. Protect yourself with sunscreen, hats, insect repellent, and water bottles with safe water. If you are not sleeping in a closed or screened room, do your best to sleep protected by a mosquito net. Mosquito bites here can transmit malaria and dengue fever.
• Be aware of Indonesia’s laws and social beliefs, especially if traveling alone. While Indonesia is hot and tropical, it is a predominantly Muslim country. Modest, covered dress and good manners help travelers blend in. Indonesia has very strict laws against recreational drugs of any kind, including marijuana, CBD and THC products. Some provinces in Indonesia criminalize consensual same-sex activity . There is also much prejudice against LGBTQIA people, which can lead to harassment.
• Be careful around animals. Stray dogs and wild monkeys may beg for food or follow you, but they can be rabid or carry flea and tick diseases.
• Women traveling solo should take extra precautions. Women travelers on their own report problems with sexual harassment from locals and other visitors. Women can support their personal security with a door stopper or lock, an attention-grabbing whistle, and a budget for more upscale lodging and transport.

Is Bali Safe? Yes, But Watch Out for Scams

Bali is one of the safest places in Indonesia for visitors. English speakers can find most essential services, including medical care, from English-speaking providers. Bali is also one of the world’s top tourist destinations. And if there’s a tourist scam going on, you will find it in Bali. See what SmartTraveller.gov.au has to say about tourist scams and how to protect yourself .

For more Bali safety, be aware that tourists also get into trouble with accidents and thefts while riding rental scooters. It’s easy to have a bag snatched while you are on a scooter. Also, be careful in Bali’s party district, Kuta, especially with mobile phones.

Use Urban Precautions for Safety in Jakarta

Visiting Jakarta? Use all your precautions for visiting a risky urban area. Jakarta has a low safety rating among Asian cities . Distracted or tired visitors are at risk of pickpockets, scams, and long travel delays. Avoid taxis that don’t use meters. Be careful around traffic, especially when crossing busy streets. Foreigners should avoid certain neighborhoods, such as West Jakarta and Blok M in southern Jakarta.

Another risk in Jakarta is ATM crime, where your account is skimmed after using an ATM card. Only use ATM machines directly located at and supervised by banks.

Safe Travel Around Volcanoes and Quakes in Indonesia

Over the past decade, volcanic eruptions have often interfered with travel to and from Indonesia. Be wary about visiting or hiking near any volcanoes that have been showing signs of activity. Prepare in advance by buying travel insurance for Indonesia to cover any disruptions.

Quakes happen too in Indonesia, and they can cause tsunami flooding along the coastline. Indonesia was impacted by the Boxing Day Tsunami of 2004, and other tsunamis have caused damage and death in visitor areas as recently as 2018.

Basic quake safety is to drop, cover, and hold on. If you are near the beach or a coastline, if the quake is “long or strong, get gone” to avoid being in a tsunami zone. The United States Geological Survey provides good quake and tsunami safety guidelines .

Related: What To Do If You Experience a Natural Disaster Abroad

Indonesia Adventure Travel: Get Serious About Safety

Indonesia’s rural areas hold treasures of culture and nature. UNESCO World Heritage sites and national parks beckon adventurers. You may also travel to rural Indonesia as a volunteer, a researcher, or for work. Be prepared and research what your venture needs. If you are traveling for fun or wilderness challenges, seriously consider a tour or traveling with a group.

Be diligent about safety in the ocean, when traveling by boat or on dirt roads, and in the wilderness, where you can encounter wildlife, including poisonous snakes. Crime and terrorism happen in remote areas here. Bring any medications you need, a first aid kit, and spare supplies for tropical conditions. A satellite tracker is a great item for hikers or kayakers to have. Learning essential Indonesian will help you in emergencies.

Enjoy Indonesia and Stay Savvy

In 2019, over 16 million people visited Indonesia. Almost all of them had a safe and positive experience – and many of them want to return. With changes to travel after 2020, including new digital nomad visas, savvy voyagers know that travel insurance for Indonesia will protect them, whatever adventures they choose.

• Best Hospitals in Indonesia for Expats and Visitors
• Adventure Travel: Does My Health Insurance Cover Me For That?
• Health Insurance Plans in Asia

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Best Travel Insurance Indonesia: Price, Options & Requirements for 2024

Traveling through the lush landscapes of Bali or Lombok absolutely implies to secure the best travel insurance Indonesia to protect you against unexpected incidents.

This guide aims to highlight some of the best insurance services that provide cost-effective solutions for everyone, from young adventurers to long-term expats.

With common travel inconveniences such as baggage delays, flight cancellations and health emergencies, your comprehensive travel insurance for Indonesia isn’t just a suggestion : it’s a necessity.

• Do I Need Travel Insurance For Indonesia ?

There is no legal obligation to secure travel insurance for Indonesia, but it’s highly advisable given the unpredictable nature of international travel.

Indonesia, in particular, necessitates insurance coverage for potential problems like medical emergencies, lost or damaged baggage, travel delays or trip interruptions / cancellations.

• Is Travel Insurance For Indonesia Worth The Cost ?

Well, it often reveals itself in hindsight. While it is not a legal requirement, the peace of mind and financial protection it offers often outweighs the initial cost.

Imagine you have to face illnesses, missed flights or lost luggage during your trip. This can significantly disrupt your plans and financial balance, especially as the cost of medical treatment in Indonesia can be quite burdensome.

This is why we would highly recommend securing travel medical insurance to get a safety net against unexpected expenses.

This article provides an overview of benefits for informational purposes and should not replace personalized advice. The specifics of coverages, exclusions and benefits will be detailed in your individual insurance certificate. If there are uncertainties or queries, please consult one of our licensed agents for comprehensive guidance. Ensuring you fully understand your insurance policy’s provisions is essential in obtaining the optimal coverage for your unique needs.

• How Much Does Indonesia Travel Insurance Cost ?

Indonesia travel insurance cost varies widely based on several factors : duration and nature of the trip, coverage, individual profiles…

On average, you can expect to pay between $50 to $100 per week.

• Factors to Consider When Choosing Travel Insurance in Indonesia

Consider your needs, the trip’s duration, the coverage level and possible risks such as health issues, trip cancellation, lost luggage,and travel delays when choosing travel insurance.

Indonesia Travel Insurance Requirements

Despite comprehensive travel insurance plan not being a mandatory requirement anymore, we still highly recommend it for trips to Indonesia.

The following considerations will be pertinent :

• Fully vaccinated travelers no longer need quarantine or provide a COVID-19 test to enter Indonesia. But airlines may have different PCR test requirements.
• Travelers aged between 6-17 who are partially vaccinated may need to fulfill their vaccination requirements.
• Travelers showing COVID-19 symptoms upon arrival may need to take a PCR test and undergo quarantine at personal expense.
• In case of testing positive for COVID-19 in Indonesia, travelers will be moved to a designated medical facility or isolation site. Expenses incurred will be the traveler’s responsibility.

Indonesian Travel Insurance Coverage Options

Here are some of the coverage options that will be pertinent for your trip to Indonesia :

• Medical expenses : ensure coverage for treatments, hospitalization and emergency medical evacuation coverage.
• COVID-19 related costs : coverage for treatment and quarantine costs related to COVID-19.
• Trip interruption or cancellation : trip cancellation coverage due to unforeseen circumstances.
• Baggage loss or delay : coverage for lost, stolen or delayed luggage.
• Travel delays : coverage for extra expenses due to delayed or missed flights.
• Liability : coverage for legal liability if you accidentally cause harm to others.
• 24/7 assistance : reliable customer service for any immediate concerns or emergencies.

Limitations & Indonesia Travel Insurance Plans

Every travel insurance plan has specific limitations, which can impact the coverage you receive :

• Pre existing medical conditions : some plans might not cover medical expenses related to pre-existing health conditions.
• High-risk activities : some adventurous activities might be excluded from coverage.
• Maximum limits : plans often have a maximum limit for the total amount payable for each coverage type.
• Deductibles : you may be required to pay a portion of the expenses before the insurance kicks in.
• Region-specific exclusions : some regions or situations might be excluded due to higher risk, such as political unrest or natural disasters.

Indonesia Travel Insurance Cost

Travel health insurance costs for Indonesia vary significantly based on travel health insurance coverage level, trip duration and individual factors.

While it’s tempting to go for cheaper options, they often come with numerous restrictions and lower coverage limits, which might leave you underinsured in a crisis.

On the other hand, more expensive plans tend to offer comprehensive coverage with fewer limitations, for a more robust protection.

Assess not just the cost but also the extent of travel insurance cover, the reliability of the provider and the simplicity of the claims process.

Company Reputation

A reputable company signifies trustworthiness, reliability and long-standing experience in the industry.

It reflects a history of satisfied customers, timely claim settlements and robust customer support.

These companies often maintain transparency about their terms and conditions , which will allow you to understand what’s included and excluded and get more control on your global trip costs.

Travel Health Insurance Indonesia

Health insurance policies usually cover hospitalization, treatments and medications for illnesses or injuries, along with emergency medical evacuation expenses.

Many also include coverage for COVID-19-related treatment and quarantine expenses.

Remember to check whether the policy covers pre-existing conditions and emergency dental care. Telemedicine services , available in some policies, can also offer immediate medical consultation.

Coverage for Adventure Activities

Indonesia is a paradise for thrill-seekers and offers activities such as surfing, scuba diving, trekking and white-water rafting.

Hence, you will absolutely have to check whether your travel insurance covers such adventure sports .

Many policies exclude high-risk activities, so look for the best travel insurance for surfing in Indonesia or for a plan that can be customized to include these if you’re an adrenaline enthusiast.

• Our 5 Tips When Buying Indonesian Travel Insurance

Ensure you’re getting the best travel insurance for Indonesia for your needs.

With countless insurance companies and numerous plan options, choosing the right policy is often overwhelming.

Here are our top five tips to help you make the right choice :

• Compare quotes and coverage : different companies offer different prices for seemingly similar coverage. Don’t just go for the first option you see. Take the time to compare the quotes and the extent of coverage provided by different insurers.
• Read the fine print : details matter. Pay special attention to the policy exclusions and limitations. These are the specific conditions under which the insurance company won’t cover your costs. Make sure you understand these before you purchase a policy.
• Plan your trip in advance : the activities you plan on doing and the regions you plan on visiting in Indonesia will greatly influence the type of insurance coverage you need. Are you going to surf in Bali, trek in Papua or explore urban Jakarta? The more details you have about your trip, the better you can tailor your coverage.
• Check the claim process : a complex claim process can be a real headache at the time of an emergency. Check the insurer’s claims procedure. Is it straightforward ? Is there a 24/7 assistance line ? How long do they usually take to process a claim ?
• Consider your health : if you have pre-existing condition, ensure they are covered. Some policies exclude such conditions or require an extra premium to cover them. You should also check if emergency evacuation is covered.
• Types Of Travel Insurance For Indonesia

There are several types of contracts that you might consider for your trip to Indonesia :

• Medical care insurance : this type of insurance primarily covers healthcare costs incurred due to sudden illness or accidents during your trip. It can include hospitalization, medical treatments, medication costs and even medical evacuation to your home country if required.
• Trip Cancellation Insurance : this policy provides coverage if you have to cancel your trip for covered reasons before departure, or if your trip is interrupted due to covered events.
• Baggage coverage insurance : this policy covers the loss, theft or damage of your baggage and personal items during your travel, as well as baggage delay.
• Comprehensive travel insurance : it combines various coverages into one policy, including medical expenses, trip cancellation, baggage loss and travel delay benefits.
• Specialized Travel Insurance : this includes specific types of insurance catered to certain travel types like adventure travel insurance for high-risk activities.
• 3 Best Travel Insurance For Indonesia

After thorough research and consideration, we’ve distilled our findings to present you with the top 3 best travel insurance to Indonesia.

Compare the features and make a selection that suits your specific needs.

To keep things simple and avoid overwhelming you with choices, we’ve stuck to the top three options that offer the best combination of coverage, price and reliability.

1. SafetyWing – Overall Best Travel Insurance For Indonesia

If you’re seeking comprehensive travel insurance for Indonesia that provides a fine balance between affordability and inclusive protection, then SafetyWing is an excellent choice.

Highly rated by travelers worldwide, it is known for its extensive coverage and customer-centric approach.

Coverage & What to Expect

SafetyWing offers robust travel insurance suitable for both short vacations and long-term travels in Indonesia.

It covers a range of emergencies : medical treatment, emergency evacuation, trip interruption and unexpected accommodation expenses due to flight delays.

It also provides coverage for lost checked luggage.

Key benefits of SafetyWing insurance include 24/7 global assistance for emergencies.

Their COVID-19 coverage, applicable even if the disease is contracted before your trip, sets them apart from many competitors.

The policy also covers one child per adult, up to two children, under the age of 10 at no additional cost. So it’s a perfect choice for families.

Disadvantages

Despite its extensive benefits, SafetyWing has its limitations.

For instance, it does not cover trip cancellation nor extreme sports . Pre-existing medical conditions and routine check-ups are also not covered.

The maximum limit for travelers over 69 is also pretty low.

Starting at a reasonable rate of $45 for 4 weeks (prices vary depending on factors like age and coverage options), SafetyWing offers impressive value for its comprehensive coverage.

Don’t wait any longer, secure your SafetyWing travel insurance today and prepare for your Indonesian adventure with a relaxed mind knowing you’re well-protected.

2. World Nomads – Best Travel Insurance For Indonesia For Active Trips

Are you an adventure seeker or a thrill lover ?

World Nomads provides an ideal solution. Particularly favored by surfers, it’s the best travel insurance for surfing in Indonesia .

The insurer recognizes the adrenaline-filled desires of its policyholders and provides coverage for a wide array of adventurous activities.

World Nomads offers extensive coverage that includes medical expenses, emergency evacuation, trip cancellation, trip interruption and baggage loss.

It covers a vast array of adventure activities – over 200, including surfing.

So, whether you are catching waves off the coast of Bali or exploring the dense rainforests of Sumatra, you can be assured that World Nomads has your back !

One of the main advantages of World Nomads is its flexibility. You can buy and extend your policy online, even after you’ve left home.

It also provides coverage for a wide range of adventure sports and activities. The 24/7 emergency assistance ensures immediate help whenever you need it.

While World Nomads offers excellent coverage, it’s slightly pricier than other options, plus the policy does not cover pre-existing medical conditions.

Certain adventure activities may require an additional premium or may not be covered at all depending on the circumstances and the risk level.

Prices for World Nomads policies vary based on your country of residence, destination and the duration and nature of your travel.

The standard plan starts at $85 per month and the Explorer plan with high risk activities coverage starts at $155.

Click here to secure your World Nomads travel insurance now. Your exciting and carefree Indonesian adventure awaits !

3. Heymondo – Best Travel Medical Insurance For Indonesia

If your primary concern is to subscribe to the best medical insurance during your Indonesian trip, Heymondo fits the bill.

Known for its comprehensive medical care , it’s a go-to choice for travelers prioritizing medical costs coverage.

Heymondo’s travel insurance coverage is extensive, with a particular emphasis on medical aspects .

The policies include emergency medical and dental expenses, hospitalization, medical evacuation and repatriation.

Also included are non-medical aspects like trip interruption, travel delay, lost or delayed luggage, as well as personal liability.

Heymondo stands out for its comprehensive medical coverage and the simplicity of its claims process.

They offer a 24/7 multilingual assistance service and a mobile app for immediate medical consultation and easy management of incidents.

The app includes an ‘SOS’ button for emergencies that offers immediate assistance without the need for an upfront payment.

Heymondo’s main focus is on medical coverage, so while their medical provisions are comprehensive, some non-medical coverages might not be as extensive as other insurers.

Their policies may also be slightly more expensive due to the higher medical coverage limit.

Heymondo’s pricing varies based on the duration, destination and specific plan chosen.

It ranges from $36 for seven days to $384.85 for HeyMondo Premium for 90 days.

And it’s worth every penny !

Don’t compromise on your health during your travels. Click here to secure your Heymondo travel medical insurance now.

Good to Know – Emergency Assistance Numbers & Embassy Phone Numbers in Indonesia

In case of emergencies in Indonesia, keep these numbers at your fingertips :

Emergency Contacts:

• Fast Medical Assistance : 118/119
• Search and Rescue : 115
• Police: 110 Fire Department : 113
• Tourism Information : 116

Embassy Contacts in Jakarta

• US: +62-21-5083-1000
• Australia: +62-21-2550-5555
• New Zealand: +62-21-299-55800
• Canada: +62-21-2550-7800
• UK: +62 (21) 2356 5200
• Final Travel Safety Tips When Traveling To Indonesia

Always carry some local currency for unexpected expenses , but avoid flashing large sums of money in public.

Public transport varies in reliability, so consider prearranged transportation whenever possible. Beware of petty crimes like pickpocketing, particularly in crowded places.

In general, respect local customs and laws, stay informed about local news and follow advice from reliable sources.

Finally, always have your hotel’s contact information and address written in the local language in case you get lost.

• The Safest Top Tourist Destinations In Indonesia

For a worry-free holiday in Indonesia, consider these destinations known for their safety :

• Bali : known for its serene beaches and ancient temples.
• Yogyakarta : renowned for its rich historical and cultural heritage.
• Bandung : famous for its colonial architecture and tea plantations.
• Surabaya : offers a mix of urban life and historical landmarks.
• Medan : known for its diverse culinary scene and beautiful lake Toba.

Bali visit? Read first – Do you need a visa for Bali?

Is travel insurance mandatory for Indonesia ?

Travel insurance isn’t legally mandatory for Indonesia, but it’s highly recommended to cover potential medical expenses or travel disruptions.

Can I buy Indonesian travel insurance after I booked the trip ?

Yes, you can buy travel insurance after booking your trip. However, purchasing it earlier remains better as it can cover pre-departure cancellations.

Who is best for travel insurance to Bali ?

SafetyWing and World Nomads are excellent choices for travel insurance to Bali.

Is Indonesia safe for US travelers ?

Yes, Indonesia is safe for US travelers. However, always stay vigilant and follow safety guidelines and travel advisories and subscribe to the best travel insurance for Indonesia from the US.

Can I buy travel insurance at Bali airport ?

Yes, you can but we would advise you to purchase travel insurance online before departure for better comparison and selection.

What kind of insurance do I need to travel to Indonesia ?

You’ll need travel insurance covering medical expenses, trip cancellations, baggage loss and potentially adventurous activities coverage.

How to bring medications to Indonesia ?

Bring prescriptions for any medications, store them in original packaging and check with the Indonesian embassy about any restrictions.

Look for the best travel insurance in Indonesia that covers medical emergencies, trip cancellations, baggage loss and adventurous activities coverage.

This guide is designed to help you choose the best travel insurance for Indonesia and secure comprehensive coverage for your trip.

Now you must be able to understand coverage limitations, costs involved and the importance of opting for a reputable insurance company.

SafetyWing , World Nomads and Heymondo are standout options, as each caters to distinct travel needs. Now it’s all about making your Indonesian adventure one for the books, and the right insurance plan can give you just the peace of mind you need !

• Good to Know - Emergency Assistance Numbers & Embassy Phone Numbers in Indonesia

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Indonesia Travel Insurance

The Republic of Indonesia in Asia consists of over 17,000 islands that are home to a wide range of cultures, landscapes and holiday experiences. Whether you’re enjoying the tranquil peace of Bali or hiking across the mountains of Lombok, it’s a country that has been attracting travellers for decades and shows no signs of decreasing in popularity.

The vast majority of people who visit Indonesia will have a safe and stress-free trip, but the islands are not without their risks. Many areas are quite rural and sparsely populated which could cause problems if you need urgent help, and the outdoor activities that are popular on a lot of the islands can be dangerous if you don’t follow health and safety advice.

Whether you’re exploring rainforests, trekking across mountain ranges or just planning on doing a bit of snorkelling , purchasing travel insurance before you arrive in Indonesia is the best way to ensure your holiday takes place without a hitch. Knowing that you’re covered in the case of a medical emergency or the loss of your belongings offers invaluable peace of mind, particularly with our extensive range of coverage options.

Indonesia is known as a relatively safe part of the world and as long as you listen to common sense and avoid any situations that feel risky or unsafe, you’re bound to have a holiday without any problems. From insuring your valuable gadgets to providing discounted deals for groups , we’ve got you covered.

Indonesia Insurance Cover

However long your visit to Indonesia is going to be, Navigator Travel ’s holiday insurance policies are suitable for a variety of trips.

Those who have got several trips planned over a 12-month period may benefit from our Annual Multi-Trip policy that provides coverage for all the travel you do in the space of a year. We also have Short Stay Single Trip Travel Insurance that is ideal for trips under 45 days, whilst our Long Stay Single Trip Travel Insurance offers the best deal for travellers staying in the country for several months. 

Indonesia is a breathtaking part of the world that is full of adventure and discoveries, and many people find themselves returning again and again without any problems throughout their visit. If you’ve been planning a trip to the country and want to find out more about the best travel insurance policy for your trip, get in touch with us to find out more about how we can help.

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Annual Multi-Trip

Cover for multiple trips.

• Up to 45 days each trip
• Option to extend to 62 days
• Special deals for couples and families

Long Stay Single Trip

Cover from 2 to 18 months.

• Extended backpacking
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• Volunteering
• Working holidays abroad

Short Stay Single Trip

Cover for up to 45 days.

• Single holiday
• Business trip
• Special rates for families
• Accompanied kids go free

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Best Travel Insurance for Indonesia – Price & Requirements

Home | Travel | Asia | Indonesia | Best Travel Insurance for Indonesia – Price & Requirements

When traveling abroad, get a policy from one of the  best travel insurance companies . Y ou can get a  5% discount   on Heymondo , the only insurance that pays medical bills upfront for you, HERE!

Purchasing travel insurance for Indonesia should be at the top of your list of things to do before you travel. Baggage delays, flight cancellations, and illnesses are actually fairly common occurrences while traveling, so it’s smart to be prepared by having Indonesian travel insurance .

Best Travel Insurance for Indonesia – Price & Requirements

Personally, we use Heymondo insurance for all of our trips. They’ve provided our travel insurance coverage for years, and we’ve had nothing but great experiences with their team. (You can read our review of Heymondo to find out more.) Best of all, you can even get a discount on their insurance just for being a Capture the Atlas reader.

5% OFF your travel insurance

Of course, there are plenty of other great Indonesia travel insurance plans , which I’ll cover below. Most importantly, all the plans I’ll talk about are travel insurance plans with COVID-19 coverage . This guide to the best travel insurance for Indonesia contains everything you need to know, including:

Is travel insurance mandatory for Indonesia?

Indonesia travel insurance cost

• Best travel insurance for Indonesia

Do I need travel insurance for Indonesia?

Ready to learn more about Indonesia travel insurance ? Just keep reading !

Having travel insurance for Indonesia is not currently a requirement to enter the country. However, just because Indonesian travel insurance isn’t mandatory doesn’t mean purchasing some isn’t a good idea.

In fact, buying Indonesia travel insurance ensures that you’ll have coverage if you fall ill, miss a flight, lose your luggage, and more. Having travel health insurance coverage is especially important, since receiving medical treatment in Indonesia without insurance can leave you with a hefty bill to pay out of pocket (I learned this from personal experience, as you’ll find out). That’s why, ultimately, travel insurance is worth having .

Your age, nationality, and the length and cost of your trip will all affect the price of your Indonesian travel insurance . As such, if you’re interested in getting cheap travel insurance , taking a shorter trip and spending less on trip costs will save you some money.

To give you an idea of how much Indonesia travel insurance costs, I’ve used the example of a 30-year-old American from Pennsylvania who is traveling to Indonesia for a week and whose trip costs $2,500 to generate quotes from four companies.

*price used for example

As you can see from the chart above, Heymondo is the best overall option for travel insurance to Indonesia . On the other hand, if you want to save money or just need travel health insurance, SafetyWing is another fantastic choice. Of course, all four of these Indonesian travel insurance plans have their merits, so you can’t go wrong with any of them .

1. Heymondo , the best Indonesia travel insurance

Heymondo has emerged as one of the best travel insurance companies for good reason. Their travel insurance for Indonesia boasts the best travel- and medical-related coverage of all the plans I compared. Moreover, even with this high amount of coverage across all categories, the Top plan is still extremely affordable.

Best of all, you’ll never have to file a claim to get reimbursed for medical expenses. Instead, the Heymondo team will arrange payments directly with the medical center, so you won’t have to pay anything out of pocket. On top of that, the Top plan’s $0 deductible means 100% of your medical costs will be covered by Heymondo.

If you’d prefer to save a little money or just want travel health insurance for Indonesia , SafetyWing is your best bet. Otherwise, Heymondo is by far the best overall option for Indonesia travel insurance .

We have used Heymondo for years and they always provide the best customer service. You can get a discount for one of their policies just for being our reader.

2. SafetyWing , a great travel health insurance for Indonesia

If you’re looking for travel medical insurance for Indonesia , there’s no better option than SafetyWing . Not only will you benefit from an extremely affordable plan with top medical coverage, but you’ll also enjoy worldwide coverage.

Even better, if you decide to keep traveling, you can easily extend your plan and choose to have it automatically renew every month while you’re abroad. You’ll also have some limited travel-related coverage, including trip interruption and travel delay coverage, but the coverage won’t be as comprehensive as it is with an Indonesian travel insurance plan like Heymondo ’s.

Additionally, SafetyWing’s Nomad Insurance plan has a $250 deductible for medical expenses. This means you’ll have to pay $250 toward any medical bills you incur before SafetyWing covers the remaining balance. As such, it may be worth paying a little more upfront for Indonesian travel insurance so you can have a $0 deductible.

3. World Nomads , a top Indonesian travel insurance for adventurers

While World Nomads ’ Standard plan offers solid Indonesian travel insurance coverage, its main appeal is its adventure activities and sports coverage. If you’re planning on having an active trip filled with diving, surfing, and more, this travel insurance to Indonesia is a must-buy.

The Standard plan also provides good coverage in all medical- and travel-related coverage categories. It even offers a $0 deductible for medical expenses. However, you can get higher amounts of coverage in all categories for a lower price with Heymondo .

Because of this, I only recommend purchasing World Nomads’ travel insurance for Indonesia if you know you’ll be doing lots of sports and activities.

4. IMG , a reliable travel insurance to enter Indonesia

IMG is a travel insurance company that many travelers trust for everything from Cancel for Any Reason travel insurance and travel insurance for pre-existing conditions to trip cancellation insurance . As you might expect, their travel insurance for Indonesia is just as reliable as their other plans and provides a more-than-sufficient amount of coverage in all categories.

The $0 deductible for medical expenses is also a plus. Still, the IMG iTravelInsured SE plan is the most expensive of all the plans I compared, so it’s not the best choice for travelers who are trying to save money. However, the good news is that you can get even a higher amount of coverage for a lower price with Heymondo .

Indonesia travel insurance requirements

If you’re planning to purchase travel insurance for Indonesia , there are a few types of coverage your plan should include.

Emergency medical expense coverage is the most important type of coverage for any insurance plan. Of course, no one wants to get injured or fall ill while they’re traveling, but that doesn’t mean it can’t happen. Similarly, having COVID-19 coverage is key since quarantine meal and accommodation costs can add up quickly.

You should also ensure that you have evacuation and repatriation coverage. That way, your transportation fees will be covered if you need to be sent back to your home country for medical treatment or for political reasons.

Trip cancellation, trip interruption, trip delay, and baggage coverage are less crucial insurance features overall. Still, if they’re important to you, look for Indonesian travel insurance with a high amount of travel-related coverage .

As I’ve already mentioned, there’s no entry requirement to have travel insurance for Indonesia . Even so, it’s always a good idea to have travel insurance – I know from firsthand experience!

I was on a 7-day trip to Bali and visited the Sacred Monkey Forest in Ubud. There, I let one of the monkeys climb on me, and unfortunately, it bit me! Luckily, I had travel insurance for Bali , so all of my medical bills were covered. Otherwise, my medical treatment would have cost me a pretty penny.

Now, I’m not saying that you’ll also get bitten by a monkey when you visit Indonesia (I really hope not!), but my story is a great reminder that unexpected things can happen anytime while you’re traveling. That’s why it’s safest (and smartest for your wallet!) to purchase Indonesia travel insurance .

Heymondo is the best choice for most travelers since it’s affordable and offers fantastic travel- and medical-related coverage.

Another excellent option, particularly if you just need medical coverage, is SafetyWing . Either way, as long as medical expenses, COVID-19, and repatriation are covered by your Indonesian travel insurance , you’ll be all set for an amazing trip.

Don't miss a 5% discount on your HeyMondo travel insurance  

and the only one that pays all your medical bills upfront for you!

Ascen Aynat

4 replies on “ Best Travel Insurance for Indonesia – Price & Requirements ”

Hi , I’m Indonesia citizen but now I follow my husband traveling for a while. So I’m looking for insurance for medical and travel included. The question is do u HV insurance who can cover medical and travel for Asia ,thx u

Yes, You can get the Heymondo insurance if you’re Indonesian and it will cover medical and travel expenses while you’re traveling abroad.

I’m Shernell Marie Horne and would like to go over my travel insurance to Spain with you. However; have just one more stop to make before of going back to the United States. I would like to add another country plus get an extension on my insurance going to Jerusalem looking moore over there for my families.!

Hi Shernell,

We’re not an insurance company but a travel blog comparing different options. Please make sure you select global coverage when booking your insurance so you make sure you’re covered in Spain and Jerusalem.

Let me know if you have any questions, Ascen

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Travel insurance

Travel Insurance Indonesia

Standard Cover

• Flexible cover levels up to £7,500
• Covid Cover For Cancellation, Medical & Repatriation
• 24/7 Worldwide Emergency Medical Cover
• Optional Upgraded Phone and Gadget Cover
• Up to 91 days cover on single trip

Enhanced Cover

• Better Value For Severe Medical Conditions
• Covid Cover for Cancellation, Medical & Repatriation Available
• No Upper Age Limit
• Secure Online Screening Process
• 1000s Of Medical Conditions Covered

Terms and conditions apply. Always check our policy wording before purchasing to make sure our cover is right for you.

If you’re looking for travel insurance Indonesia then don’t hesitate to get a fast online quote now.

Emerald Life was started as a fresh take on the insurance industry that puts equality and diversity at its core.

Visit our online quote form and see how much you could save on travel insurance for Indonesia today.

Table of Contents

Healthcare for Brits in Indonesia

It’s a good idea for UK citizens to check with NaTHNaC (National Travel Health Network and Centre) at least 2 months before their trip to Indonesia.

They offer vaccine recommendations and the latest news on outbreaks and other health risks as well as factsheets that contain useful information for staying healthy during your travel.

Note that the government of Indonesia does not offer free medical care for Brits in Indonesia. This means that without travel insurance, you’ll have to pay for medicines, doctor and hospital fees out of pocket. And hospitals or medical centres may want to see proof of ability to pay upfront.

As you might imagine, these unforeseen expenses can be significant, which is why it’s important to ensure that you get sufficient travel insurance before you leave on your trip.

If you take prescription medication for an existing health condition, the NHS recommends that it’s also a good idea to get in touch with the embassy of Indonesia for assurance that you can safely bring those medicines with you inside the country.

You’d also want to make sure that you bring a note from your doctor verifying that you need the medicine to manage an existing health condition.

You can check the NHS website for advice on pertinent vaccinations and health checks for more information.

What About Pre-Existing Medical Conditions?

• Many medical conditions covered

Over 75/Serious Medical

• Cancer, Heart Conditions, Diabetes, Stroke, Epilepsy and many more
• Up to a high level of severity and even a terminal prognosis
• chemotherapy or radiotherapy
• Mental health conditions

As is usual with UK travel insurance, you need to disclose any pre-existing medical condition you have to your policy provider, unless you have been told specifically by your insurer that you do not need to declare that condition.

While this means that you may have to pay more to obtain travel insurance for Indonesia – although not all pre-existing conditions result in an increase in premium- , it’s better than falling ill during your travel (related to your pre-existing medical condition) and being denied coverage.

Insurance providers typically offer free screenings for thousands of medical conditions and provide ample coverage to offset the cost of repatriation and medical care while abroad.

While it’s unlikely that you’ll get injured or fall victim to a crime if you confine your activities to safer regions in the country, it’s best not to take any chances and obtain a suitable single or multi-trip travel insurance policy before your departure.

Make sure you disclose all pre-existing medical conditions that you are required to do so when applying for travel insurance for Indonesia. Doing so would help ensure that you don’t run into any problems should you need to file a claim.

The human body is an incredible work of evolution and as such there are plenty of things that can go wrong in both the short and long term.

For that reason it can often be difficult to understand what constitutes a medical condition that you have to declare to your travel insurance provider.

However, in general, the insurers’ questions will tend to follow the same general lines, such as:

Have/are you or anyone in your party:

• taken any prescribed medication, or received any medical treatment in the last 2 years;
• attended a medical practitioner’s surgery, or hospital or clinic (out-patient or in-patient) in the last two years;
• awaiting medical treatment or investigation;
• been diagnosed by a medical practitioner as suffering from a terminal illness.

All medical conditions you have must be disclosed as well as any previous medical conditions if they could have an impact on your current health.

So, while it is vitally important to declare what you need to declare, your policy provider will let you know if your pre-existing condition is not a factor for your trip cover.

For example, here at Emerald Life, we don’t require clients to disclose their HIV status for as long as they meet the following conditions:

• They have been on antiviral treatment for no less than 3 months.
• They have not been advised to switch to a different/new type of antiviral regimen.
• If their CD4 count is above 350 or they have been advised by a doctor that CD4 monitoring is not necessary.
• They have an undetectable viral load or less than 50ppm.

Note that non-declarable conditions can vary from one policy provider to another. It’s ultimately up to the insurance company to decide which pre-existing medical conditions are exempted from disclosure and set pertinent conditions for the exemption. However, Emerald leads the field on some of these.

What to Look For When Shopping for Indonesia Travel Insurance

At this point, you probably already have an idea of just how important it is to obtain Indonesia travel insurance before you travel to Indonesia (whether multiple or a single trip cover).

This begs the questions — what factors do you need to keep in mind before buying travel insurance?

Well, the answer doesn’t need to be all that complicated. After all, the purpose of travel insurance is to give you peace of mind while you enjoy the sights and wonders that Indonesia has to offer. For that, you can focus on a few essential factors:

Repatriation and Medical Cover

• Medical Up to £10 Million

The most important part of any travel insurance policy is emergency medical expenses cover. Typically ranging from £5 million to £10 million – the higher in our case – this covers your costs if you become ill or injured abroad and require medical treatment.

Medical expenses should include repatriation cover so that if your condition means you have to return to the UK urgently then there is cover for transporting you along with any necessary medical equipment and staff. Unsurprisingly, these costs can be staggering.

Before you leave for Indonesia, it’s important to ensure that your travel insurance policy offers enough coverage to pay for emergency medical services and repatriation back to the UK.

Here at Emerald Life, we provide coverage of up to £10,000,000 with our Indonesia travel insurance.

Travel Insurance Indonesia Cancellation and Curtailment Cover

Silver - Up To £1000

Gold - Up To £3000

Platinum - Up To £7500

Silver - Not Covered

Gold - Up To £2000

Platinum - Up To £5000

If you are ill or injured before you travel then you may have to cancel your trip. Some policies will also cover you if a close relative is ill or injured, or your home is burgled, and you have to cancel as a result.

If you expect to make multiple trips to Indonesia in a given year, you can probably secure a better deal if you sign up for annual multi-trip travel insurance.

An annual policy will help you save time since you don’t have to reapply before every departure. More importantly, annual multi-trip insurance cost is bound to be cheaper than obtaining numerous single trip policies over the course of a year.

Indonesia Travel Insurance Luggage Cover

Luggage can get lost during transit, and if that happens, it’ll be a major inconvenience in your travel plans. That’s why you need travel insurance that will reimburse you for the trouble should it happen.

For luggage delays of more than 24 hours, Emerald Life offers baggage cover which serves as compensation for the inconvenience and covers the cost of essential replacement clothing and toiletries if your baggage is delayed on your outward journey, up to the amount specified

If the luggage is lost (missing for more than 21 days), you’ll be paid the amount stipulated in the luggage cover for the accidental loss, damage or theft of your baggage and personal effects, up to the amount specified.

Travel Insurance Excesses and Exclusions

Silver - £100

Platinum - £35

Silver - £500

Gold - £150

Platinum - £0

While it can be tempting when buying travel insurance to just look at the final price, it is important that you check any excesses you have to pay.

That is because some cheap policies will have very high excesses which means any claims could be very expensive despite having the insurance. Sometimes excesses are so high it might not even be worth claiming.

Therefore, make sure you buy a Indonesia travel insurance policy that balances a good price with reasonable excesses. Also, there may be other exclusions that reduce the premium precisely because payouts are limited. If you need travel insurance, then it is advisable to make sure that you have the best cover you can afford.

Most travel insurance policies will also include different excesses for different types of claims and you can find these in your policy documentation, but generally the medical excess is the most significant.

Do You Need Insurance to Travel to Indonesia?

It can be argued that the real question is — can you afford not to have Indonesia travel insurance when you leave for Indonesia?

Again, tourists have no free access to healthcare services when visiting the country, and private medical care can be costly.

Indonesia travel insurance should cover the cost of medical treatment if you fall ill or become injured during your travel.

While no one expects to get sick or become injured while holidaying in Indonesia, accidents can happen. If things go south, it’s always helpful to know that you have travel insurance to rely on.

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Indonesia Travel Insurance

Introduction

Indonesia actually encompasses over 17,000 islands across 3,000 miles, the most popular of which included Bali, Java and Sumatra. Each island has a distinct character and offers different attractions, for example, Bali offers beautiful beaches and great nightlife, whereas in Sumatra you’ll find exotic jungles teeming with monkeys, elephants and tigers.

Whatever your plans in Indonesia, make sure you check the Foreign and Commonwealth Office’s advice before booking and invest in quality holiday insurance before you depart.

Benefits of our Policy

If you need travel insurance for Indonesia, Holidaysafe offers an award-winning range of worldwide travel insurance policies to protect you against unexpected disasters. When you buy a travel insurance policy from Holidaysafe, you will enjoy the following benefits:

• Cover includes cancellation, medical emergencies, personal belongings, repatriation, cash, travel documents and much more.
• Multiple levels of cover allowing you to choose the best policy for your budget and holiday.
• 100 sports and activities covered as standard.
• Discounts for couples.

Remember to select ‘Worldwide Excluding USA’ to be covered for your trip.

Key Contact Details and Important Information

• Holidaysafe’s Emergency Medical Assistance team
• British Embassy in Indonesia
• The FCDO’s Travel Advice on Indonesia
• The Fit For Travel Website’s advice on Indonesia

Best Time to Visit

The dry season between May and September is the best time to visit Indonesia when the weather is dry and pleasant. During monsoon season so much rain can fall that some areas become almost inaccessible, and following Ramadan, the resorts become overcrowded and expensive.

What to See and Do

There is so much to see and do in Indonesia, but here are some of our favourites to add to your itinerary:

• Plan a night out in Bali and enjoy the busy nightclubs.
• Visit the largest Buddhist Temple in the world; Borobudur.
• Visit the Sacred Monkey Forest of Padangtegal and spot long-tailed Macaques.
• If you’re feeling a bit more active, you can go white water rafting in Sidemen Valley or Hike to the colour changing lakes of Mount Kelimutu. Check out the activities we cover here to ensure you get the right level of cover.

What to Eat and Drink

Eat: Nasi Goreng which is fried rice. Drink: Balinese rice wine known as Brem Bali.

Click here to view all countries Holidaysafe can provide cover for. Please note, Holidaysafe does not provide cover for any trip which goes against the advice of the Foreign, Commonwealth & Development Office (FCDO). Please check the FCDO advice on your chosen destination  before booking your trip or purchasing our insurance.

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☆ The Which? Best Rate feature applies to Holidaysafe’s Premier cover, based on a 24-day Single Trip policy with Worldwide excluding Mexico cover. The table was last updated on Which?’s website on 30/06/2023.

*Please note, Holidaysafe’s online prices automatically include a 15% discount against our Customer Service Centre prices

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Holidaysafe is a trading name of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN306537. tifgroup is trading name of Travel Insurance Facilities Plc registered in England No. 3220410. tifgroup; all rights reserved. Registered Office: 1 Tower View, Kings Hill, West Malling, ME19 4UY. All policies offered are on a non-advised basis.

To get a quote please choose one of the following policy types:

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Things to Do

Travel insurance for a worry-free trip.

Stay protected on your travels!

Enjoy the most of your journey by ensuring that you and your trip are covered against unpredictable events, without the extra hassle.

Now available on Traveloka App

Traveloka Travel Insurance "a journey without worry"

We offer insurance plans that come with extensive coverage and choices of Single-Trip or Annual. Whether you are an occasional or frequent traveller, you can put your mind at ease and minimize any potential worries while you’re on your trip.

Travel Insurance for International Destination

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United States

Get quote for US Travel Insurance

Get your Thailand Travel Insurance here

Get your Australia Travel Insurnce here

What You Get

Flight delay protection.

Avoid the stress of dealing with flight delays or even cancelations. Any disruption that happens to your flight plans is covered up to Rp7,5 million.

Personal Accident Coverage

Ensure that you are well-protected should any unwanted events occur before it’s too late! Accidents encountered during your trip are insured up to Rp15 million.

Medical Expenses Coverage

Medical emergencies are no fun, especially when it comes to paying off expensive hospital bills. But no worries, because your medical expenses are covered up to Rp500 million.

Baggage Loss Protection

Arrived safely, but couldn’t find your baggage? No need to panic! Any missing or damaged belongings can be claimed up to Rp15 million.

Get your Insurance now?

Let us protect you and your trip with our travel insurance plans. Now we are available on the latest Traveloka App version.

Find Travel Insurance on Our App

Open Traveloka App and tap All Products

Scroll down to find the Travel Guide & Add-ons section, then tap Travel Insurance

Planning for next destination to other country? Do further check here with Traveloka Travel Insurance for International destination. We have online comprehensive information for you here.

Buy Travel Insurance at Traveloka

Traveling, whether for business, family trip, education, or just walking around, certainly requires careful preparation. This preparation is needed so that we can anticipate various things that might happen so that the trip can take place safely, comfortably, and without significant obstacles.

Although the preparation has been made, there is a chance that problems might happen. There are still a number of things that are beyond our control that might occur. For example, flight delays, damaged or lost baggage, problems with booking rooms, to the worst: accidents.

No need to worry much about this. Moreover, thinking to cancel the trip. Since long ago, there has been a name for a Travel Insurance service that is in charge of providing special protection as long as we travel. This insurance serves to provide protection in the form of financial protection for a number of events beyond our control. Some of the most common, for example: compensation for late or delayed flights, compensation for damaged or lost baggage, and dependents on post-accident maintenance costs.

In modern times like this, you can get the insurance very easily from various sources. No longer having to go to a particular provider, you can even buy travel insurance online with a sophisticated device and a fast internet connection.

This year, Traveloka complements the comfort of your trip with Travel Insurance services. The presence of this service can make you feel more calm and safe to deal with trips because you can buy full protection through a mobile application.

Have a worry-free journey with Traveloka Travel Insurance. Download the Traveloka Application now or update your Traveloka Application to the latest version. This latest feature can be found in the "Travel Guide & Add-on" menu.

There are a lot of reasons to complete your trip with Travel Insurance. This latest service provides comprehensive protection to free you from anxiety because various potential interference effects can be handled as well as possible.

By purchasing Traveloka Travel Insurance, you will get protection for flight delays or cancellations up to Rp. 7.5 million. When an accident occurs, you will get coverage of up to IDR 15 million per person. The cost of medical coverage for emergencies at the hospital is also available up to a maximum of Rp. 500 million per person. Lost or damaged baggage? Traveloka Travel Insurance is ready to compensate up to Rp. 15 millions.

Worry-free trip is now in your own hands. All can be accessed quickly, safely, and so easily with just the touch of a finger. Traveloka Insurance price is of course affordable just as like Traveloka's special treat. Special promos are often available for you to add as a form of more savings when buying travel insurance online from the App.

Frequently Asked Questions

Insurance has a lot of aspects into it. To make it easier for you to find and fully grasp all of the important information, we have compiled a list of short questions that are frequently asked. This page will be updated periodically to give you the most relevant and comprehensive information.

How do we purchase Travel Insurance?

• Download Traveloka App from Google Play Store or iOS App Store.
• Complete the account’s registration process and log in to your account.
• Tap the Insurance icon button on the home page.
• Scroll down to find the Travel Insurance icon.
• Click the Travel Insurance icon.
• Select the Coverage Type , Coverage Area , Destination Country , Coverage Start Date , Coverage End Date , and Travelers .
• Click Search Plans and select an insurance plan that best suits your need.

Pro-tip : Make sure that you have read and understood the applicable Terms & Conditions including the details of the insurance before you make a purchase.

How do we make a claim?

• Download and fill in your claim form, and prepare the required documents as listed there.
• Make sure that you attach ALL the required supporting documents that are related to your claim onto your claim form.
• Submit your claim request and the required documents within 30 days from the date of the incident to one of the following options:
• 021-550-7777 (24-jam)
• [email protected] (Email)
• +6288-1109-0888 (WhatsApp)
• Pusat layanan Klaim simas Insurtech , coHive Menara Tekno, Jl.KH fachrudin No. 19, Jakarta Pusat, 10250 (Post)
• Your claim will be processed within 7 working days and Simasnet will notify you in case of insufficient or incomplete documents.
• Payment will be settled in 2 working days to your bank account after the claim is approved by Simasnet.

Claim Inquiries

• [email protected]
• Pusat layanan Klaim simas Insurtech , coHive Menara Tekno, Jl.KH fachrudin No. 19, Jakarta Pusat, 10250

What are the Terms & Conditions?

• Insurance purchase is non-refundable.
• Only valid for Indonesian residents or foreigners holding a valid identification document such as KTP, KITAS, or KITAP.
• The insurance is only valid for trips departing from or to Indonesia.
• When purchasing the insurance, you must be fit to travel and are not aware of any circumstances that might disrupt it.
• Simas Insurtech is entitled to withdraw the funds that have been paid to you if any evidence of fraud or data manipulation is found.
• Coverage lasts from the start date to the end date of the insurance policy unless the trip is cancelled.
• For one-way flights, the coverage ends when you have safely landed at your destination’s airport.
• In case that you’re entitled to a refund from other parties, Simas Insurtech will only pay the remaining amount up to the maximum amount of your policy limit (not the total amount of loss).

What are the things that are not covered?

• Pre-existing medical conditions and chronic illnesses (e.g. asthma, heart attack, stroke, epilepsy, diabetes, appendicitis, kidney stones).
• Outbreak of disease, epidemic, and pandemic. Although some plans cover COVID-19, please check your policy to make sure.
• Pregnancy and childbirth (including the associated injuries or sickness), and venereal disease.
• Medical treatments or surgeries that can be postponed until you return to Indonesia.
• Additional medicines that are not medically prescribed (e.g. balm, ointment, insect repellent, Counterpain and its equivalent, and Betadine and its equivalent).

International Travel Insurance Destinations

Using the latest version of Traveloka App, you can purchase travel insurance for almost all destinations worldwide. To make it easier for you to find the necessary information on the travel insurance that we provide for each destination, you can click on one of the following pages:

• Travel Insurance to United States
• Travel Insurance to Japan
• Travel Insurance to China
• Travel Insurance to Germany
• Travel Insurance to France
• Travel Insurance to Netherlands
• Travel Insurance to Russia
• Travel Insurance to Poland
• Travel Insurance to Canada
• Travel Insurance to Spain
• Travel Insurance to Australia
• Travel Insurance to Thailand
• Travel Insurance to Malaysia
• Travel Insurance to Great Britain
• Travel Insurance to Turkey
• Travel Insurance to New Zealand
• Travel Insurance to Vietnam
• Travel Insurance to Mexico
• Travel Insurance to South Korea

Disclaimer : The destinations shown above are only the most popular. We will periodically add other destinations to this page.

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• Passports, travel and living abroad
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Before you travel check that:

• your destination can provide the healthcare you may need
• you have appropriate travel insurance for local treatment or unexpected medical evacuation

This is particularly important if you have a health condition or are pregnant.

Emergency medical number

Dial 118 and ask for an ambulance.

Contact your insurance or medical assistance company promptly if you’re referred to a medical facility for treatment.

Air pollution

Air quality in Indonesia’s major cities can reach levels considered ‘unhealthy for sensitive groups’ or ‘unhealthy’. Current air quality data for Jakarta can be found on the Air Quality Index website .

Ash plumes from volcanoes can affect air quality and have an impact on health, particularly for anyone with pre-existing respiratory conditions. If you’re in the vicinity of a volcanic eruption and affected by subsequent ash fall, you can find further information in digital pamphlets issued by the International Volcanic Health Hazard Network (IVHHN) , which cover the potential health hazards of volcanic ash and offer advice on how to prepare and cope with ash fall.

During the dry season (May to November), widespread forest fires can cause smoke haze resulting in poor air quality across parts of Indonesia, particularly Riau Islands, central Sumatra and Kalimantan. The haze can cause disruption to local and regional air travel, and the air pollution may have an impact on public health. Keep up to date with local information and seek medical advice on appropriate precautions. A regional haze map is available from the Singapore Meteorological Service .

Tap water is not safe to drink in Indonesia.

Polio virus

TravelHealthPro contains information about the Polio outbreak and vaccination recommendations.

Vaccinations and health risks

At least 8 weeks before your trip check:

the latest information on health risks and find out what vaccinations you need for Indonesia on TravelHealthPro

where to get vaccines and whether you have to pay on the NHS travel vaccinations page

See what health risks you’ll face in Indonesia , including:  

• avian influenza
• polio virus

The legal status and regulation of some medicines prescribed or bought in the UK can be different in other countries.

TravelHealthPro explains best practice when travelling with medicines .

The NHS has information on whether you can take your medicine abroad .

Healthcare facilities in Indonesia

The standard of local medical care can be poor and some medical tests cannot be done reliably. Psychological and psychiatric services are also limited.

Good medical care can be expensive and in remote areas attention for serious injuries or illness is likely to be unavailable. Medical evacuation can cost tens of thousands of pounds. Make sure you have adequate travel health insurance and accessible funds to cover the cost of any medical treatment abroad and repatriation.

You can view a list of English speaking doctors in Indonesia .

Travel and mental health

Read FCDO guidance on travel and mental health . There is also guidance on TravelHealthPro .

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Money latest: Gameboys, Sindy dolls, designer shoes, 1950s furniture - the items in your attic that could be worth a small fortune

Gumtree's most popular items include rare stamps, Gameboys and Pokemon cards. Read this and all the latest consumer and personal finance news below, plus leave a comment or submit a consumer dispute or money problem in the box.

Monday 29 April 2024 15:43, UK

• Three of UK's biggest lenders up mortgage rates
• Annual mortgage repayments have increased by up to 70% since 2021
• Higher food prices and shortages warning - as new Brexit checks begin this week
• People on disability benefits could receive vouchers rather than cash

Essential reads

• Gameboys, Sindy dolls, designer shoes, 1950s furniture: The items in your attic that could be worth a small fortune
• Money Problem : 'A company isn't abiding by written warranty for dodgy building work - what can I do?'  
• '£2,000 landed in my account' - The people who say they're manifesting riches
• The world of dark tourism - what is it, is it ethical and where can you go?

Ask a question or make a comment

We're looking to answer this question - and would like your thoughts.

Are you a parent - and if so, how much do you give your kids (it'd be helpful to mention their age too)?

We also want to know how you give them the money (cash, bank transfer, app) - and if they have to do anything in return.

Leave your comments in the box above or:

• Email [email protected] with the subject line "Money blog"
• WhatsApp us  here .

By Emily Mee , Money team

When I think about the toys of my childhood - my pink Barbie car, my Gameboy Micro, my collection of Pokemon cards - I can't tell you where they went. 

Maybe they were shipped off to a charity shop at some point... Or perhaps they're in the attic? 

While my hot pink Gameboy Micro is lost to the void of time (or a cardboard box somewhere in my mum's house), other versions of it are selling on eBay for £100 or more. 

And there are Pokemon cards selling for anything from a tenner to hundreds or even thousands of pounds. 

It's possible you also have items at home that are a collector's dream. 

Gumtree says its collectables category is already proving to be a "hotbed of activity" this year, with listings up 22% in 2024 so far. 

Its most popular items include rare stamps, coins, war memorabilia and Pokemon cards. 

Spring is often the most popular time for buying and selling collectibles, with demand spiking in March and April. 

We've enlisted the help of TV presenter and collectables expert Tracy Martin to give an idea of what could make you an easy buck. 

Old toys making a 'retro comeback'

Tracy explains that while trends change, vintage toys tend to stand the test of time. 

"Toys are always going to be popular because they tap into nostalgia, our childhood memories," she says, explaining that adults like to buy the toys they used to have. 

Perhaps you were into cars, and you've got some old diecast vehicles from Matchbox, Corgi or Dinky Toys. 

A quick look on toy auction site Vectis.co.uk shows a Corgi Toys "James Bond" Aston Martin estimated to sell for between £600 to £700 - while others are likely to fetch £50 to £60. 

Sindy dolls are also particularly sought after - particularly those from the 1960s - and Barbie dolls from the 1990s too. 

Pokemon cards have seen a "massive surge", Tracy says, with people paying "thousands and thousands of pounds" for good unopened sets. 

She's even seen examples of people paying £16,000 upwards. 

Another up-and-coming market is games consoles, such as Gameboys, vintage consoles and PlayStations, which are making a "retro comeback".

What else could earn you some cash?

Tracy says there's currently a surge in people wanting to buy "mid century" furniture, which is dated to roughly 1945 to 1965 and typically uses clean lines and has a timeless feel. 

Vintage Danish furniture is sought after, particularly tables and chairs with good designer names such as Wegner, Verner Panton and Arne Jacobsen.

Prices range from the low hundreds into the thousands.

People will also look out for vintage framed prints by artists such as Tretchikoff, J.H. Lynch and Shabner - these can range in price from £50 upwards to a few hundred pounds plus. 

Vintage clothes, handbags and shoes can fetch a good price - but you can also invest in modern pieces. 

Tracy suggests looking out for good classic designs with high-end designer names such as Gucci, Chanel, Dior and Louis Vuitton. 

Modern designers such as Irregular Choice, Vendula and Lulu Guinness are also collected. 

Collaborations with designers and celebrities can do well as they're often limited edition. 

For example, Tracy says the H&M x Paco Rabanne maxi silver sequin dress retailed at £279.99 last year but now sells for in excess of £600. 

When it comes to shoes, "the quirkier the design the better" - so look out for brands such as Irregular Choice and Joe Browns. 

Converse and Dr Martens collaborations also do well, depending on the design and condition, as well as Adidas and Nike limited edition trainers. 

What's the best way to sell?  

Tracy recommends to always research before selling your items, as they might perform better on different platforms and you can also get an idea of how much they sell for. 

For example, Vinted can be a good place to sell clothes and shoes, while other items might be better suited for sale on Gumtree, eBay or Etsy. 

Tracy's favourite way to sell is through auction - especially if there are specialist sales. 

Vectis is one of the biggest and most popular for toy selling. 

Interests in different periods and items can go up and down, but for the time being vintage pieces from the 1980s and 90s are popular. 

How much you'll be able to get from an item often takes into account its rarity, condition, whether it reflects a period in time, and if it's got a good name behind it. 

You never know - you might be sitting on a treasure trove. 

Annual mortgage repayments have increased by up to 70% since 2021, according to new data from Zoopla .

The biggest impact of rising interest rates has been in southern England where house prices are higher.

Across the South West, South East and East of England, the annual mortgage cost for an average home is £5,000 higher than previously. This rises to £7,500 in London.

But the universal uptick in mortgage costs has been less pronounced in other parts of the UK, with the North East seeing a £2,350 increase.

In a bid to tackle inflation, the Bank of England has raised the base rate from 0.1% in December 2021 to a 16-year high of 5.25% now.

The Zoopla research looked at the average home buyer taking out a 70% loan-to-value mortgage.

This week seems to be starting where last week left off - with three major lenders announcing further hikes in mortgage rates.

Amid uncertainty of the timing of interest rate cuts from the Bank of England  this year, swap rates (which dictate how much it costs lenders to lend) have been rising in recent weeks.

Financial markets currently see two rate cuts by the Bank of England this year.

We've reported on a string of rate bumps from the high street over the last 10 days, and this morning NatWest, Santander and Nationwide moved.

In its second hikes announcement in less than a week, NatWest laid out increases across its full range of residential and buy-to-let fixed deals of up to 0.22%.

Santander, meanwhile, announced increases for both fixed and tracker deals across their residential and buy-to-let products - up to 0.25%.

The same hikes are being imposed for a range of Nationwide deals.

All of these will kick in tomorrow.

Amit Patel, adviser at Trinity Finance, told Newspage it was "not a great start to the week". 

"This is not good news for borrowers," he said.

Where will the base rate go this year?

The majority of the bets, according to LSEG data, are on the first cut coming in August (previously this was June) and the second in December.

This would take Bank rate from the current level of 5.25% to 4.75%.

Disabled people could receive vouchers instead of monthly payments under proposed changes to Personal Independence Payment (PIP).

The changes could see people being provided with either one-off grants for specific costs such as home adaptation, or being directed to "alternative means of support" rather than financial support.

Work and Pensions Secretary Mel Stride is set to announce plans today to overhaul the way disability benefits work.

In a Green Paper due to be published alongside Mr Stride's statement to the Commons, ministers will set out plans to reform Personal Independence Payments (PIP), the main disability benefit, through changes to eligibility criteria and assessments.

The plans also include proposals to "move away from a fixed cash benefit system", meaning people with some conditions, such as depression and anxiety, will no longer receive regular payments but rather get improved access to treatment if their condition does not involve extra costs.

Speaking to Sky News earlier, Mr Stride said: "I want us to have a grown-up, sensible conversation about a benefit called PIP that has not been reviewed in over a decade.

"And I want to ask the question, is it fit for purpose given the world that we're in today, in which mental health issues sadly present more of an issue than they did a decade ago."

By James Sillars , business reporter

A fresh high for the FTSE 100 to start the week.

The index of leading shares in London was 0.5% up at 8,179 in early dealing.

The gains were led by miners and financial stocks.

Dragging on the performance were some consumer-facing brands including JD Sports and Flutter Entertainment.

One other development of note to mention is that stubbornly high oil price.

A barrel of Brent crude is currently trading almost 1% down on the day.

But it remains at $88 a barrel.

The market has been pulled by various forces this month, with hopes of a rebound in demand in China among them.

The latest decline is said to reflect peace talks being held between Israel and Hamas.

A demand for smaller homes has driven growth in UK property prices early in 2024, according to research by Halifax.

Data from the bank's house price index suggests annual property price growth hit 1.9% in February this year - a significant rise from -4.1% just three months prior.

That equates to a rise in prices of £5,318 over the past year.

It follows interest rates stabilising, Halifax says, after a sharp rise over the past two years which squeezed mortgage affordability.

A key driver behind rising prices, Halifax says, has been first-time buyers, who made up 53% of all homes bought with a mortgage in 2023 - the highest proportion since 1995.

And it's smaller homes that have recorded the biggest increases in price growth in the early part of this year - with buyers adjusting their expectations to compensate for higher borrowing costs.

Flats and terraced houses made up 57% of all homes purchased by first-time buyers last year.

This varies by region - for example, in London, flats and terraced homes accounted for 90% of all first-time buyer purchases.

Challenges remain

However, Amanda Bryden, head of Halifax mortgages, said "it's important not to gloss over the challenges" facing the UK housing market, given the "impact of higher interest rates on mortgage affordability" and "continued lack of supply of new homes".

"But scratch beneath the surface and there is a more nuanced story, one which shows that demand for different property types in different parts of the country can vary hugely," she added.

"As interest rates have stabilised and buyers adjust to the new economic reality of owning a home, one way to compensate for higher borrowing costs is to target smaller properties.

"This is especially true among first-time buyers, who have proven to be resilient over recent years, and now account for the largest proportion of homes purchased with a mortgage in almost 30 years."

Every Monday we get an expert to answer your money problems or consumer disputes. Find out how to submit yours at the bottom of this post. Today's question is...

I had a company coat the exterior of my house with a rubberised paint product in November 2022. The original cost was £3,280 - though there was a discount. This came with a written 10-year warranty. The product started to fail after five months (peeling off). I first contacted them one year ago, on 3 April 2023, and the company keeps fobbing me off, blaming bad weather for not resolving issues. They don't come round when they say they will. What can I do? Robert Anderson, 77, Scotland

We asked consumer disputes expert Scott Dixon, from complaintsresolver.co.uk , to pick up this one...

This falls under the Consumer Rights Act 2015 which states that any faults found within the first six months are considered to have been there at the point of purchase (or in this case, application).

You are entitled to one free repair under S49 Consumer Rights Act 2015 which states that every contract to supply a service is to be treated as including a term that the trader must perform the service with reasonable care and skill.

Traders can only have one crack at the same fault - if that fails, you are entitled to a refund/replacement.

You have two options: make a warranty claim/pursue a remedy under the Consumer Rights Act 2015.

How did you pay for it? If you paid (even just the deposit) by credit card, you can make a S75 claim against the credit card provider who is jointly liable under S75 Consumer Credit Act 1974.

If the trader is unwilling to remedy it, seek at least three quotes from other traders to price putting the job right. You can get another trader to remedy the job and invoice the original trader for the work. 

I know what you're thinking: what happens if they refuse to pay?

Options and next steps

If all else fails... You could take your case to the small claims court if it was England, or follow Simple Procedure in Scotland .

Before you file a claim, send screenshots to the company of the court papers setting your case out and demanding a refund within seven days. Tell the company that if they fail to do so, you will lodge a claim via Simple Procedure.

It is a relatively easy, inexpensive route and is designed for disputes such as this. Court fees are based on the amount of money you want to claim.

This may resolve the dispute. If it does not, you can proceed and file the small claim papers online.

Another option is to file for their bankruptcy as a creditor, which is free. It effectively freezes their bank accounts and credit lines and locks their business down until it is resolved. You can find an SD1 form to do this here . 

I have done this before and it works like a charm. You need to send any documents by recorded delivery. This is a last resort if you cannot resolve your dispute.

I would also report this firm to Trading Standards. Ensure that you point out that they are deliberately selling products and carrying out defective work without due care and skill, which is fraudulent and illegal. You have proof of this so make sure you provide it.

Finally, leave reviews online too.

Money team note : We got in touch with the company involved, who said they had agreed to recoat the building at no cost but that dry days were needed before and after to fit the product in line with the manufacturer's guidelines. They said they had contacted Mr Anderson last week. We decided not to name the company as it is a small business - but we'll follow up this case in summer.

This feature is not intended as financial advice - the aim is to give an overview of the things you should think about.  Submit your dilemma or consumer dispute via - and please leave your contact details as we cannot follow up consumer disputes without them.

• The form above - make sure you leave a phone number or email address

Britons could face higher food prices, and even empty supermarket shelves, as new post-Brexit border fees are introduced this week, industry figures have warned.

A maximum charge of £145 will apply on imports of plant and animal products, such as cheese and fish, entering the UK through the Port of Dover and Eurotunnel from Tuesday.

"The fundamental change is huge to the nation's food supply," Nigel Jenney, chief executive of the Fresh Produce Consortium (FPC), told the Money blog when we first covered this story in January.

"I would certainly expect to see price rises because these costs simply couldn't be absorbed by the industry."

James Barnes, chairman of the Horticultural Trades Association, said this month that the policy "feels like it is constructed on the back of an envelope at best" and that the charges would "undoubtedly increase costs" and increase the likelihood of empty shelves in supermarkets.

He said as well as higher prices and a more limited variety of products available in UK shops and restaurants, "we now might begin to observe a decline of EU businesses trading into the UK, simply because they have been priced out".

The new rules explained

The new rules, known as the Border Target Operating Model (BTOM), are intended to protect biosecurity by imposing controls on plant and animal products considered a "medium" risk. These include five categories of cut flowers, cheese and other dairy produce, chilled and frozen meat, and fish.

From 31 January, each shipment had to be accompanied by a health certificate, provided by a local vet in the case of animal produce, and, from Tuesday, shipments will be subject to physical checks at the British border.

There is also the prospect of delays caused by inspections of faulty paperwork, which could derail supply chains that rely entirely on fast turnaround of goods.

The policy has been delayed multiple times and earlier this month the Financial Times reported that the government would not "turn on" the checks this week because border systems were not fully ready. The government said this was not true - but indicated they would initially focus on higher-risk products.

The fee will be charged per type of product imported, and will vary from £10 to £29 depending on the risk products present. It will be capped at £145 for mixed consignments.

A government spokesperson said this was "within and at the bottom end of the range which we consulted with industry on".

They added: "The charge is designed to recover the costs of operating our world-class border facilities where essential biosecurity checks will protect our food supply, farmers and environment against costly disease outbreaks entering the UK through the short straits."

The fees will not apply to goods brought into the UK for personal use, the government said.

EU business 'could stop trading with UK'

Marc Forgione, director general of the Institute of Export and International Trade (IEIT), said there was another risk beyond price rises and potential shrinkflation.

He told the Money blog earlier this year: "There is also a concern that has been raised with me by some UK-based businesses that their suppliers in the EU will frankly take a view that it's too complicated to deal with these changes and withdraw from the market."

Mr Forgione said that over time the UK will have "the most efficient border in the world", due to digitisation and the BTOM's assessment of goods based on risk, but it will create friction for EU businesses where there was none.

What has the government said?

A spokesperson told us when we first covered this story in January: "We remain committed to delivering the most advanced border in the world.

"The changes we're bringing in will help keep the UK safe, while protecting our food supply chains and our agricultural sector from disease outbreaks that would cause significant economic harm."

A Waitrose billboard that appeared to be sitting askew was fenced off by a London council over safety fears. 

But it turned out there was no need - as the supermarket had intentionally made the billboard wonky in a nod to its falling prices.

"Thanks for the swift action but while our prices are falling rapidly, our billboard certainly isn't! #noneedforbollards," the retailer wrote in a tongue-in-cheek post on X. 

The billboard had been put up on Lindore Road, in Wandsworth, southwest London.

Wandsworth Council later confirmed to The Guardian that the barriers had been removed.

It said it was "alerted to this unusual advert by a concerned member of the public" and decided it "better not take any chances with public safety so put up some barriers to be on the safe side". 

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Warmer spring-like weather forecast in UK after chilly April

Grey skies and persistent rain could be replaced by temperatures as high as 20C in south-east England

Chilly April is on its way out with the coming days set to usher in warmer temperatures more akin to spring, according to the Met Office.

The lack of sunshine, grey skies and persistent rain have contributed to it feeling unusually cold as April comes to a close.

But forecasters expect that to change from Wednesday, with temperatures in south-east England in the mid to high teens and possibly nudging 20C and beyond later in the week in some southern areas.

The Met Office meteorologist Tom Morgan said: “It wouldn’t be harder to be warmer, compared to what it has been like recently. Temperatures have been below average for the last couple of weeks across most of the UK and particularly chilly for the last few days.

“So yes, it is turning warmer. But it’s not going to be too exceptional for early May. Temperatures will be recovering to close to average values by Tuesday and Wednesday, possibly a little bit above average by the end of the week so we could see highs locally up to low 20s. But it won’t be for everyone.

“We are not going to see blue skies and wall-to-wall sunshine. There will be some sunshine, but there will also be quite a lot of cloud and some showery rain at times this week.

“Compared to last week it will be much warmer and a bit drier too, but quite mixed weather day to day and nothing particularly warm for the time of year.”

The highest temperatures are most likely to be across central and western England, and perhaps south Wales . But there will be regional variations. “On the coast, for example Essex, Suffolk, Norfolk, it could just be 12C or 13C, whereas in London it could be 19C or 20C. So there will be big regional variances. Possibly 22C to 23C is the absolute maximum towards Friday, but that would require everything to come together, lots of sunshine, light winds etc,” Morgan said.

If everything did come together, it is possible areas including northern Scotland could see “an isolated 20C”, he added. “But probably the highest temperatures will be in central and southern England and parts of south Wales.”

April has been a “month of two halves” with a warmer first fortnight followed by chillier second fortnight. There has been an average of 99mm of rainfall in April so far, which is 27% higher than usual for the month.

And while it would be warmer going into May, it would be “nothing like a heatwave or anything like that”, said Morgan.

“Having said that, as you go towards the first bank holiday weekend, it does look mostly fine for a large part of the UK, with high pressure dominating, so mostly dry and temperatures fairly reasonable for the time of year of between 18C to 21C for lots of the UK.”

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