✈️ Complete Travel Insurance Guide: How to Make, Price, Requirements, and Where to Buy it in Indonesia
If you often travel abroad, whether for vacation, study, work, or pilgrimage, you must have heard about travel insurance. Many people consider this trivial, but in several countries travel insurance is actually mandatory as one of the entry requirements.
Besides that, travel insurance is also useful to protect you from unexpected things during your trip.
💡 What is Travel Insurance?
Travel insurance is protection that you buy before traveling abroad. Its function is to cover risks that can occur when you are in the destination country.
For example:
- Hospital costs if you get sick/have an accident
- Lost baggage
- Flight cancellation or delay
- Loss of travel documents (passport, visa)
- Emergency medical evacuation
✅ Why is Travel Insurance Important?
-
Mandatory in several countries.
Example: Europe (Schengen), Japan, Korea, UK, Turkey sometimes require it.
-
Protection when you are abroad.
Hospital costs abroad are very expensive. With insurance, you can claim.
-
Avoid big losses when traveling.
For example lost luggage, delayed flights, to sudden accidents.
📍How to Make Travel Insurance in Indonesia
Making travel insurance is very easy, can be done online or offline.
No need to come directly to the office, just buy through the official app or website.
1️⃣ Via Official Insurance Company Website
Examples:
- Allianz Travel Insurance
- AXA Travel Insurance
- Zurich
- Adira
- Sompo
- Simas Travel Insurance
You can directly choose the destination country, length of travel, and package type (Basic / Premium) then pay online.
2️⃣ Via Travel Platform / Marketplace
Examples:
- Traveloka
- Tiket.com
- Pegipegi
- Usually when you buy tickets, they will offer additional travel insurance. Practical, because you just need to click.
3️⃣ Via Travel Agent or Insurance Agent
If you want clearer consultation, you can go through a travel agent or official insurance agent. Usually they will help the entire process from A-Z.
💸 Travel Insurance Prices
Prices depend on:
- Length of travel
- Destination country (Asia / Europe / America)
- Type of protection (basic / premium)
💰 Price Range Overview (7-14 Day Trip):
| Destination Region | Basic Package | Premium Package |
|---|---|---|
| Asia (Singapore, Japan, Turkey) | IDR 80,000 – 150,000 | IDR 200,000 – 400,000 |
| Europe (Schengen) | IDR 200,000 – 400,000 | IDR 500,000 – 1,000,000 |
| America / Australia | IDR 300,000 – 600,000 | IDR 700,000 – 1,200,000 |
The longer the duration, the more expensive.
The more protection (baggage, accident, cancellation, medical), the more expensive.
🔑 What is Covered by Travel Insurance? (Generally)
| Protection | Explanation |
|---|---|
| Emergency Medical Costs | Hospital, medicine, treatment |
| Death / Accident | Compensation to family |
| Medical Evacuation | Air / land ambulance costs |
| Lost Baggage | Compensation for lost / damaged luggage |
| Travel Delay | Flight delay compensation |
| Document Loss | Help with new passport process, etc |
🏢 Places to Buy Travel Insurance in Indonesia:
| Insurance Provider | Website / Application |
|---|---|
| Allianz | allianz.co.id / myallianz app |
| AXA | axa.co.id |
| Zurich | zurich.co.id |
| Adira | asuransiadira.co.id |
| Sompo | sompo.co.id |
| Sinarmas | sinarmas.co.id |
| Traveloka (Online) | traveloka.com |
| Tiket.com (Online) | tiket.com |
💬 Tips Before Buying Travel Insurance:
- Check what protection you need. Don’t just choose the cheapest.
- Make sure the insurance company has a good reputation.
- Keep your e-policy safe. Usually sent via email, don’t lose it.
- Read the terms and conditions carefully. For example what can / cannot be claimed.