Last Updated on by Rodrigo @ OutofYourComfortZone
Planning a trip to Indonesia? Make travel insurance your top concern and prioritize it on your checklist! Keep reading to discover fantastic travel insurance options designed for budget-conscious travelers, backpacking enthusiasts, adventurous thrill-seekers, and beyond. Additionally, we’ll reveal two possible options for complimentary travel insurance that you might not have considered!
Setting off on an extraordinary voyage to Indonesia is undeniably thrilling, but it’s perfectly normal to feel a bit overwhelmed by the array of tasks ahead. From arranging flights and accommodations to planning activities and dealing with potential jet lag, there’s a vital aspect that can easily be overlooked – travel insurance.
If you happen to find yourself in this situation, there’s no need to worry! Keep reading to discover a comprehensive manual on obtaining the ideal travel insurance for your upcoming Indonesian journey. We’ll provide you with an extensive selection of the best and most cost-effective choices out there!
However, before we dive into the details…
Table of Contents
- 0.1 Do I really need travel insurance for a trip to Indonesia?
- 0.2 But do I actually need travel insurance? I don’t usually do any extreme activities or sports!
- 1 Update regarding travel insurance and the coronavirus (COVID-19)
- 2 1. The well-known, mid-priced travel insurance company:
- 4 IMG Global (accepts citizens from most countries!)
- 5 2. The best, most comprehensive travel insurance company for backpackers and adventurous travelers:
- 7 World Nomads Travel Insurance
- 8.1 AARDY
- 8.3 But wait….you might not even need to buy travel insurance!
- 8.4 1. Buy your return flight ticket with a credit card to (maybe) get free insurance for your trip.
- 8.5 2. Use your health insurance policy from your home country or country of residence.
- 8.6 A quick note about travel insurance for cruising:
- 8.7 Can I use traveling insurance while living abroad as an expat or an immigrant?
- 8.8 Can I use travel insurance during my international exchange or while studying abroad?
- 8.9 International travel insurance coverage for terrorism
- 8.10 List of documents usually requested by travel insurance policies when you seek reimbursement for medical expenses (if you were treated by an out-of-network provider):
- 8.11 Planning your next trip?
Do I really need travel insurance for a trip to Indonesia?
Without a doubt, it’s an indisputable fact!
Having comprehensive travel protection is an absolute necessity, especially for intrepid adventurers like myself, who frequently engage in activities that come with a higher risk of injury and subsequent medical expenses.
Throughout my travels, I consistently participate in exhilarating activities such as mountain climbing, rock climbing, skydiving, scuba diving, and fully immersing myself in all the elements of a quintessential adventure!
Imagine this scenario: picture yourself snowboarding in Switzerland without travel insurance, and unfortunately, you experience an injury on the slopes that requires a helicopter rescue. The resulting medical bill, while you’re recovering in the hospital, could easily be overwhelming, inducing a sense of panic just from seeing all those zeros!
However, let’s face the truth: acquiring travel insurance is a wise decision, regardless of your travel destination.
During my journeys, I’ve encountered numerous backpackers sporting the infamous “Thai Tattoo” – significant scars on their legs caused by burns from motorcycle exhaust pipes in Thailand!
And let’s be honest, is a visit to a public hospital right in the heart of Bangkok what you truly desire? With travel insurance, you have the freedom to choose a private medical facility, where you’ll undoubtedly receive top-notch care. So why subject yourself to unnecessary risks? Ensure your protection and fully enjoy your journey!
But do I actually need travel insurance? I don’t usually do any extreme activities or sports!
Pay close attention: whether you’re preparing for a luxurious shopping spree in Miami or any other escapade, travel insurance is an absolute must!
While health coverage might not be obligatory in Indonesia, unlike in some other countries, there’s always an element of unpredictability when traveling. From minor mishaps on the sidewalk to more significant incidents like injuries or illnesses, unexpected events can happen.
Relying solely on Indonesia’s healthcare system (or that of many other countries) without the safety net of insurance coverage is akin to inviting a personal financial disaster.
Moreover, keep in mind that several countries, including Indonesia, might require you to have some form of health or travel insurance as a condition for entry.
And let’s not forget that travel insurance goes beyond just addressing medical emergencies. Depending on your chosen plan, it can also provide compensation for lost belongings, flight delays, adverse weather conditions, and even assist with your evacuation from a country in the event of civil disturbances.
Therefore, before embarking on your journey, make sure you’re protected by the right travel insurance policy! It’s a wise decision that brings peace of mind throughout your adventures.
Considering that Covid-19 is still present, it’s natural that you might have concerns about the level of coverage your travel insurance would offer in case you fall ill.
Thankfully, in the current scenario, almost all available travel insurance policies do include provisions for illness related to Covid-19. However, I strongly advise carefully reviewing the details of your policy before making a final decision. Gaining a thorough understanding of the specific coverage will provide you with the necessary peace of mind for your journey.
(Or for more details, you can also take a look at our article here: Does International Health and Travel Insurance cover Coronavirus (COVID-19)?)
Observation: These travel insurance choices are carefully designed to cater to travelers. However, if your trip to Indonesia is geared towards educational endeavors, it’s vital to delve into an international health insurance plan specifically tailored for international students. On the other hand, if your trip takes you to the United States for work or immigration, you will require a health insurance package precisely crafted for expatriates. You can find suitable options for these specific types of coverage at the end of the article linked here. Make sure to conduct a comprehensive exploration of the available alternatives that align seamlessly with your travel and residency requirements.
How does the health system in Indonesia work?
The healthcare system in Indonesia presents a variety of characteristics and challenges, with different levels of quality and access to medical care. Here are some important points to consider:
- Public Healthcare System: Indonesia has a public healthcare system that is government-run. However, the quality of services and facilities can vary considerably from region to region. In urban areas, public hospitals tend to offer more advanced services, while resources in rural areas may be more limited.
- Private Hospitals: In addition to the public system, there are private hospitals in Indonesia, especially in major cities. These hospitals often provide higher quality services and modern facilities compared to public hospitals.
- Health Insurance Coverage: It is highly recommended for foreign visitors to have international health insurance when traveling to Indonesia. This is due to potential differences in quality and availability between public and private services. Having health insurance can ensure access to appropriate medical care and, in some cases, higher-quality private hospitals.
- Medical Costs: Medical costs in Indonesia can vary significantly. Services in public hospitals tend to be more affordable, while private hospitals can be more expensive. Having health insurance can help cover medical costs, especially in emergency cases.
- Medicines and Supplies: In some areas, there may be shortages of medicines and medical supplies. It’s advisable to carry any regularly used medications and essential medical supplies with you.
- Language Barrier: In some regions, there may be language barriers as Indonesian is the predominant language. In urban hospitals and more touristy areas, you are more likely to find healthcare professionals who speak English.
- Vaccines and Preventive Health: Before traveling to Indonesia, check which vaccines are recommended and take appropriate preventive health measures, such as protection against mosquito-borne diseases.
What are the best travel insurance options for a trip to Indonesia?
As you navigate your way through online research for travel insurance, you’ll come across a wide array of options.
However, I have spent years extensively analyzing various travel insurance providers and personally testing many of them. The list below includes the travel insurance choices that I consistently find myself gravitating towards.
Please keep in mind that the available options will vary based on your country of origin and the extent and type of coverage you aim to secure for your journey.
I strongly recommend dedicating some time to request quotes from each of these companies that are relevant to your specific trip. While it may require some effort, the potential savings in the long run make it highly worthwhile!
Furthermore, there are travel insurance comparison platforms that enable you to compare and purchase different plans, simplifying the process and making it more convenient. Best of luck with your upcoming travels, and may you discover the ideal insurance coverage for your adventure!
1. The well-known, mid-priced travel insurance company:
IMG Global (accepts citizens from most countries!)
You have the freedom to select the extent of coverage that best aligns with your preferences, spanning from US$50,000 to US$500,000, and deductible alternatives ranging from US$0 to US$2,500.
In terms of pricing, IMG’s rates are generally competitive. However, similar to certain other alternatives discussed earlier, specific activities might not fall within the coverage of their policies.
To guarantee that you possess all the crucial coverage tailored to your specific requirements, I strongly recommend thoroughly examining the policy particulars prior to completing your purchase. This way, you can embark on your travels with confidence and certainty, secure in the knowledge that your chosen policy furnishes the comprehensive protection you necessitate. Wishing you exceptional journeys on the horizon!
Travel insurance for seniors (65+): one thing that makes IMG unique is that they offer a travel insurance plan specifically tailored to travelers aged 65 and over, called GlobeHopper Senior.
IMGlobal travel insurance and COVID-19 coverage
In the majority of instances, all IMG plans will encompass coverage for any medical necessities related to Covid-19, encompassing treatments, hospital stays, and even medical evacuations.
Nevertheless, it’s of paramount importance to meticulously scrutinize your policy prior to finalizing your purchase to ensure that there haven’t been any alterations. By taking this precautionary step, you can unequivocally ascertain the scope of Covid-19 coverage provided by the plan you’ve opted for. Travel with assurance and serenity, understanding that you possess the requisite safeguard in place amidst these unpredictable circumstances!
2. The best, most comprehensive travel insurance company for backpackers and adventurous travelers:
(5% discount coupon comfort5)
I have great confidence in World Nomads as a leading travel insurance company dedicated to serving backpackers.
Whenever I embark on a journey that involves daring or “adventurous” activities such as snowboarding, canyoning, hiking, glacier trekking, skydiving, deep-sea diving, skiing, climbing, and more, I consistently opt for a policy from World Nomads.
Their coverage is truly comprehensive, encompassing a wide range of activities. To date, I have not come across an alternative insurance provider that offers a more favorable proposition covering ALL the activities included in World Nomads’ policies. (However, if you’ve discovered an alternative, please feel free to share your insights in the comments section below!)
With World Nomads, I feel a sense of security, knowing that I am fully protected throughout my daring adventures and exhilarating exploits.
If a specific activity is on your mind and you’re seeking confirmation about its inclusion under World Nomads’ coverage, you can verify this information on this page here.
In essence, World Nomads presents two primary policy options for your consideration. The first is the “Standard” policy, which might suffice even if your itinerary involves daring activities. This plan provides emergency medical coverage for pursuits such as downhill skiing or hiking up to 6,000 meters (nearly 20,000 feet)!
On the other hand, the “Explorer” plan is tailored for more adventurous travelers. It covers a wide range of activities; however, it’s crucial to conduct a thorough review of your chosen plan before purchasing to confirm the inclusion of your specific pursuits.
Furthermore, World Nomads offers you the opportunity to enhance your coverage to include high-value specified items, such as iPhones and digital cameras. This can be a valuable addition if you’re traveling with valuable electronic equipment or visiting areas prone to theft, such as Brazil (my country of origin).
Drawing from my personal experience, I can attest to their attentive and user-friendly customer service team, especially when I sought reimbursement after falling ill in Thailand.
Lastly, a significant advantage with World Nomads is the flexibility to purchase or extend your travel insurance even if you’ve already started your journey. You are not restricted to obtaining it solely from your home country. This flexibility proves to be convenient for travelers on the go.
You can get a 5% discount code on your World Nomads travel insurance policy by using the coupon code “comfort5″.
(P.S. If you’re anything like me and are also addicted to sports and adventure activities and want to make sure you have good travel insurance that covers them, here are two other articles you might like: 3 Best International Travel Insurance for Extreme Sports and Adventure Activities and 9 Tips to Stay in Shape During Your Travels.)
WorldNomads travel insurance and coronavirus coverage
As of writing this article, World Nomads doesn’t explicitly address whether or not their insurance plans cover Covid-19 treatment. However, you can find their most up-to-date position on the coronavirus on their website here.
3. One of the cheapest travel insurance companies you’ll find anywhere:
WorldTrips (formerly Atlas Travel)
Based on my personal experiences, the travel insurance options offered by WorldTrips consistently stand out as some of the most budget-friendly choices available. However, it’s important to acknowledge that the lower cost may come with certain limitations on coverage, in contrast to entities like World Nomads.
For my journeys to destinations considered “safe,” where my itinerary primarily focuses on urban exploration, such as in the United States or Europe, I tend to lean towards selecting WorldTrips.
Although I have purchased travel insurance policies from WorldTrips in the past, I have been fortunate enough to avoid needing reimbursement, so I lack firsthand experience with their reimbursement process. Nonetheless, I’ve come across feedback from fellow travelers who sought reimbursement and shared positive experiences with WorldTrips.
In summary, WorldTrips emerges as an excellent choice for budget-conscious travelers seeking affordable travel insurance. They offer a range of plans covering various durations and categories, catering to everything from year-long global backpacking adventures to short study abroad programs for university students.
A notable feature of WorldTrips is their flexibility in allowing you to purchase or extend your policy even if your journey has already begun. Therefore, if you find yourself abroad and in need of coverage, WorldTrips can easily accommodate your requirements.
Furthermore, unlike many other insurance providers, WorldTrips doesn’t impose an age limit. While the premium may increase with age, they do provide coverage for seniors, making them a reliable option for senior travel insurance when few other companies offer such a service.
WorldTrips travel insurance and Covid-19 coverage
In the majority of cases, your WorldTrips policy will include coverage for any medical expenses resulting from Covid-19 illness. Nevertheless, it is essential to carefully examine the policy details before completing the purchase to ensure that you have the most current and accurate coverage. This way, you can embark on your journey with a sense of confidence, knowing that you are protected in the event of any Covid-19 related medical needs.
4. The new international travel insurance company for digital nomads and adventure/extreme sports:
Safety Wing has gained a remarkable reputation in the insurance industry by providing a wide array of travel insurance options thoughtfully tailored to suit students, digital nomads, expatriates, and various types of adventurers. Their comprehensive coverage choices have positioned them as a preferred choice for numerous individuals seeking reliable and adaptable insurance solutions for their journeys.
One thing that makes Safety Wing stand out is its focus on insurance plans that cover adventure sports and extreme activities. (Like WorldNomads!)
Plus, their website is fun and allows you to easily and quickly get a quote.
Safety Wing travel insurance and Covid-19 coverage
In the majority of situations, your Safety Wing policy will encompass provisions for any medical expenses related to Covid-19 illness. However, it’s essential to carefully examine the detailed specifics of your policy before completing the purchase to ensure that you have the most up-to-date and accurate coverage. By maintaining a clear understanding of your insurance terms, you’ll be able to embark on your journeys with a sense of peace. Have a fantastic time exploring new horizons!
5. The best place to find & compare cheap travel insurance policies:
Unlike the aforementioned alternatives, VisitorsCoverage operates in a distinctive manner by providing a unique service. Instead of functioning as a direct insurance provider, it offers a platform that allows you to access and compare travel insurance plans from various companies, all conveniently consolidated within a single interface.
This convenient feature empowers you to efficiently assess multiple options and make well-informed decisions about the travel insurance plan that best aligns with your specific needs.
With VisitorsCoverage, you can easily navigate through a wide range of choices and select the optimal coverage for your journey. This approach provides an exceptional way to identify the perfect travel insurance solution that is meticulously tailored to your individual requirements.
In other words, it makes it much easier to see all your options for travel insurance plans. And then ultimately compare, choose, and buy the best option for your trip.
VisitorsCoverage offers an extensive range of insurance plans that cater to a wide variety of needs, spanning from business travel insurance to coverage tailored for students.
With a decade of experience, this online platform serves individuals from more than 175 countries. Additionally, based on feedback from users, VisitorsCoverage prides itself on its resilient and dependable customer service team, available online seven days a week. This ensures that travelers can readily access prompt assistance and guidance whenever the need arises.
Whether your travel plans involve business commitments or international study endeavors, VisitorsCoverage serves as a reputable platform for researching and discovering suitable insurance plans that are meticulously tailored to your unique travel requirements. It serves as a reliable resource for identifying the optimal insurance coverage to accompany you on your journey.
VisitorsCoverage travel insurance and COVID-19 coverage
Within the VisitorsCoverage platform, you can easily examine the intricate details of each unique plan, grasping its extent of Covid-19 coverage. However, it’s crucial to remember that similar to the previously mentioned companies, the majority of contemporary travel insurance plans now include some degree of Covid-19 coverage.
Travel insurance providers have adeptly adapted to the current circumstances, acknowledging the importance of providing safeguards for travelers in the context of the ongoing pandemic. While navigating through the array of options on VisitorsCoverage, you can expect to come across plans that address Covid-19-related medical emergencies, thereby providing you with added peace of mind during your travels. This platform serves as an admirable resource for discovering travel insurance schemes that prioritize your safety and well-being during these challenging times.
6. Another great website to search for and compare cheap travel insurance policies:
Similar to VisitorsCoverage, TravelInsurance.com operates as a travel insurance “gateway” that offers the convenience of browsing and contrasting various travel insurance plans from numerous companies concurrently.
To initiate your search, simply furnish your personal particulars and provide some information about your trip. The platform will subsequently present you with an extensive juxtaposition of the available plans, affording you the ability to refine the choices based on ratings and costs. This user-friendly procedure empowers you to effortlessly discover the most appropriate and competitively priced travel insurance plan tailored to your specific travel requirements, all within a single platform. With TravelInsurance.com, securing the ideal coverage for your expedition becomes an uncomplicated and streamlined endeavor. It serves as a valuable resource to streamline the process of identifying the optimal travel insurance plan for your upcoming journey.
TravelInsurance.com and coronavirus coverage
When making use of TravelInsurance.com, you have the opportunity to delve into the intricacies of Covid-19 coverage provided by each collaborating insurer. However, it’s important to recognize that, akin to the previously mentioned companies, the majority of modern travel insurance plans now encompass a certain level of Covid-19 coverage.
Travel insurance providers have adeptly adjusted to the current circumstances, acknowledging the importance of addressing the needs of travelers during the ongoing pandemic. While you navigate through the array of options on TravelInsurance.com, you can expect to come across plans that offer protection relevant to Covid-19, thereby providing you with the necessary reassurance for your journeys. This platform serves as a source of confidence, guiding you to explore travel insurance schemes that prioritize your safety and well-being amidst these uncertain times.
7. A final “travel insurance portal” option to search for and compare policies to find the best deal:
AARDY emerges as an invaluable travel insurance “aggregator,” offering you the opportunity to simultaneously explore a plethora of travel insurance plan options from diverse companies. Self-identified as the “Amazon” of travel insurance, AARDY provides a user-friendly platform that streamlines the process of plan comparison.
A distinctive feature that sets AARDY apart is its exceptional customer service, evidenced by their impressive ratings on TrustPilot. Beyond their straightforward search portal that expedites plan assessment, you can easily interact with them through email, support channels, or live chat at your convenience. This attribute ensures that all your inquiries and concerns receive thorough attention before you finalize your insurance policy acquisition.
Furthermore, it’s worth noting that AARDY is committed to community enrichment. They allocate 10% of their annual earnings to The Special Operations Warrior Foundation, an organization dedicated to providing financial assistance to the children of military personnel who have lost their lives in the line of duty. Opting for AARDY not only secures dependable travel insurance coverage but also contributes to a meaningful cause that supports those in need. This aspect makes it an exceptional approach to identifying the optimal travel insurance plan while simultaneously making a positive impact on the lives of others.
AARDY travel insurance and COVID-19 coverage
Since AARDY itself isn’t a travel insurance provider and is only a portal that lets you compare insurance from many companies, you’ll have to look into the individual insurance company before you buy your plan to see what their position is on Covid-19 coverage.
Bonus option to find and compare many different travel insurance plans at once:
Much like the other travel insurance “platforms” or “aggregators” discussed earlier, InsureMyTrip provides a convenient and efficient approach to comparing travel insurance plans from various companies, all consolidated within a single location.
Their user-friendly interface simplifies the process, allowing you to easily access and assess a wide range of options, thereby facilitating the discovery of the optimal travel insurance coverage tailored to your specific needs. With InsureMyTrip, obtaining the appropriate protection for your journey becomes a process characterized by smoothness and ease. It serves as a remarkable tool to streamline the task of identifying the perfect travel insurance plan for your upcoming adventure.
InsureMyTrip distinguishes itself through its unwavering dedication to excellence. They adhere strictly to a policy of removing any plan or insurance provider from their platform if it fails to achieve a rating of less than 4 stars, ensuring that only top-tier options are presented to users.
Unlike some of the other alternatives mentioned here, InsureMyTrip is solely focused on travel insurance. As a result, you won’t find insurance plans tailored for expatriates, immigrants, or international students within their platform. This specialization empowers them to offer a focused and comprehensive service, finely tuned to the needs of travelers, and ensuring the availability of the very best travel insurance selections. It’s a platform characterized by an unyielding commitment to excellence, tirelessly dedicated to providing travelers with the ultimate travel insurance choices available.
But if you’re looking for a plan like this to complement your travel insurance, check out my article on the 5 Best & Cheapest Health Insurances for International Students or 5 Best International Health Insurances for Expats & Immigrants.
InsureMyTrip travel insurance and Covid-19 coverage
Since InsureMyTrip itself isn’t a travel insurance provider and is only an aggregator that lets you compare insurance from many companies, you’ll have to look into the individual insurance company before you buy your plan to see what their position is on Covid-19 coverage.
But wait….you might not even need to buy travel insurance!
Here are two sneaky ways you might be able to get “free” travel insurance 🙂
1. Buy your return flight ticket with a credit card to (maybe) get free insurance for your trip.
Depending on the type of credit card you possess, there’s a chance that using that card to purchase your roundtrip flight could grant you access to an included basic travel insurance plan as part of the transaction.
Cards issued by Visa, Mastercard, American Express, and Diners Club frequently provide this benefit. However, it’s essential to contact your card issuer or visit their website to confirm whether your card offers this perk and understand how it works.
For those embarking on a journey to Europe, this complimentary basic insurance plan may fulfill the mandatory Schengen insurance requirements.
Yet, it’s important to understand that the insurance plan provided by your credit card primarily serves as an international health insurance scheme, rather than a comprehensive travel insurance package.
This entails two crucial points. Firstly, the coverage will likely be limited to emergency medical care only, with potential exclusions for treatments required due to sports or “risky” activities.
Secondly, unlike standard travel insurance, you won’t be protected against travel delays, lost luggage, flight cancellations, or any other travel-related incidents. Additionally, you won’t be eligible for compensation in such situations. Recognizing these limitations is essential, prompting the consideration of additional travel insurance if you desire broader coverage for your trip. Before making any assumptions, carefully review the terms and scope of your credit card’s travel insurance offering to gain a comprehensive understanding of what is included.
Also keep in mind that this won’t work if you’re using miles to buy your plane ticket.* And that the maximum time limit on insurance from these types of credit cards is only 31 days. So if you’re still traveling, you’ll have to buy a regular travel insurance policy to keep yourself covered.
*CORRECTION: As pointed out by an insightful observation from Alex, a reader of the original Portuguese version of this article, if you happen to possess a Visa Platinum credit card and decide to use accrued miles to cover ticket taxes and fees, you might potentially qualify for their global travel insurance.
However, I strongly recommend taking the initiative to independently verify this information with your credit card issuer. This is because the benefits associated with the same credit cards can vary based on the countries in which they are issued. My gratitude goes to Alex for sharing this valuable insight!
Moreover, thanks to a contribution from reader Ana Luisa, I’ve gained knowledge that Visa Platinum insurance typically offers coverage for a duration of 60 days. This duration exceeds the standard 30-day coverage commonly provided by most other credit cards.
Nonetheless, if your journey extends beyond this timeframe, it’s advisable to supplement the remaining part of your trip with a traditional travel insurance policy. The Visa Platinum insurance allows you to save during the initial two months of your journey. Always ensure that you have the necessary coverage spanning the entire duration of your expedition, ensuring a worry-free trip. Being fully prepared and adequately insured throughout your entire travel duration remains of utmost significance.
2. Use your health insurance policy from your home country or country of residence.
As we approach the conclusion, I would like to present an additional potential avenue for your consideration. This involves reaching out to your health insurance plan provider in your country of residence to inquire about any international travel insurance offerings they might have.
With your existing coverage through them, there is a chance that you could obtain cost-effective or even complimentary insurance for your travels abroad. However, it’s imperative to verify that their insurance includes the specific destinations you plan to visit and all the activities you intend to engage in during your journey.
Exploring this option might lead you to a convenient and economically feasible way to secure the necessary travel insurance for your trip. Always make sure to thoroughly review the terms and extent of coverage to ensure that you have the appropriate protection for your travel needs. Wishing you safe and enjoyable travels! It’s a prudent approach to explore potential travel insurance solutions with your current health insurance provider, as they may offer suitable options that align with your needs, potentially saving you money on additional coverage.
A quick note about travel insurance for cruising:
I recently received a query about the applicability of these travel insurance plans to cruise trips, prompting me to conduct some research.
Based on my findings, it appears that both WorldNomads and WorldTrips offer coverage for cruise vacations.
In correspondence via email, WorldTrips has confirmed that their Atlas plan includes provisions for medical evacuation from a cruise ship, should the circumstances necessitate such action.
As for WorldNomads, available information suggests that all their travel insurance plans extend coverage to individuals on cruise journeys. Nevertheless, it’s important to note that WorldNomads sets an age limit of 66 for their plans. In contrast, WorldTrips has an advantageous edge by not imposing any age restrictions on their coverage, making it an appealing choice for older travelers.
Regarding the other mentioned insurance companies, I am still awaiting definitive confirmation from them regarding their coverage policies for cruise travelers. It’s always wise to gather explicit and comprehensive information about your travel insurance options before making a decision.
As you embark on your cruise adventure, I extend my best wishes for safe travels, and may you find the ideal plan tailored to your cruising experience! It’s absolutely crucial to have a clear understanding of your travel insurance coverage, especially when embarking on a cruise. Always make sure to confirm the specifics with the insurance providers to ensure that your protection is appropriate for the duration of your cruise.
Fraud Warning! As previously mentioned, both WorldNomads and WorldTrips offer the flexibility to obtain travel insurance even after you’ve started your journey. However, it’s crucial to exercise caution to prevent potential fraudulent activities.
It’s important to understand that acquiring travel insurance after falling ill or experiencing an accident, with the intention of seeking coverage for that specific event, is not an acceptable practice. Insurance companies are aware of this possibility, and most policies include an “anti-fraud” provision to discourage such actions. This provision typically states that your insurance policy can only be utilized 48 hours after its purchase.
For example, if you become seriously ill during your trip and decide to purchase travel insurance afterwards to cover your medical expenses, you must wait for 48 hours until your policy becomes effective for reimbursement. Additionally, you need to provide evidence to your insurance provider that the illness occurred after your policy purchase.
In the case of an accident, however, you can use your insurance within the 48-hour timeframe. But it’s essential to prove that the accident took place after you secured your travel insurance plan.
To emphasize, attempting to deceive insurance companies by acquiring a policy and immediately seeking reimbursement for a pre-existing condition or recent event is not a viable strategy. Insurance providers have mechanisms in place to investigate such situations and ensure they are not being misled. Therefore, it’s critical to adhere to the terms and use travel insurance transparently and responsibly to ensure appropriate coverage for your journeys. Travel insurance is designed to protect against unforeseen incidents, rather than to provide coverage for pre-existing conditions or events that occurred before obtaining the policy.
Can I use traveling insurance while living abroad as an expat or an immigrant?
If you’re living overseas or traveling in a country for a short period, you might be okay with just travel insurance.
But you’re looking for more complete coverage (travel insurance usually just covers medical emergencies), if you’re going to be living abroad long-term, or if you need proof of health insurance for immigration purposes, then what you actually need is an international health insurance plan for expats or immigrants.
If you’d like to learn more about the differences between travel insurance and international health insurance, then you can take a look at our article about the 3 Best International Health Insurance for Expats & Immigrants.
Or, you can quote directly with some of these expat insurance companies here:
Can I use travel insurance during my international exchange or while studying abroad?
In conclusion, the necessity for a dedicated insurance plan for your study abroad experience depends on your individual circumstances. My recommendation is to begin by confirming with your educational institution. Generally, if your academic program lasts less than 3 months and you plan to study under a tourist visa, a travel insurance policy should meet your requirements.
However, it’s crucial to verify this information with your school to ensure that you have appropriate insurance coverage throughout your study period. Always communicate with your educational establishment to clarify their insurance guidelines for study abroad programs, as they might have specific requirements and recommendations to ensure you have the necessary coverage while pursuing your studies overseas.
However, if you’ll be needing a student visa, then you’re going to need a health insurance plan that’s designed just for international students or exchanges.
This is especially important if you’re traveling to the United States on a J1, J2, or F1 visa, or to Europe with a Schengen student visa. In such cases, having the appropriate insurance coverage is essential to meet the specific requirements of these visas and ensure a smooth and hassle-free study abroad experience. It’s crucial to be well-prepared and have the correct insurance policy to comply with the visa regulations of your study destination, as this can significantly impact your eligibility and overall experience during your academic journey abroad.
If you’re an international student and think you might need one of these special medical insurance plans, then take a look at my page with The 3 Best and Cheapest Health Insurances for International Students & Exchanges to learn more.
Again, you can check out directly some of these international student insurance companies here:
International travel insurance coverage for terrorism
I’ve had a few comments in both the English and the Portuguese article asking if travel insurance covers acts of terrorism.
I did a bit of research, and here’s what I found out:
Although WorldTrip’s basic travel insurance plan doesn’t cover terrorism, their Atlas Premium plan DOES cover “treatment of injuries and illnesses relating from an act of terrorism, up to the limit set forth in the schedule of benefits and limits.” So yes, they do appear to have terrorism coverage.
In the unfortunate circumstance of finding yourself injured during a terrorist incident while traveling, having the Atlas Premium plan from WorldTrips can provide essential coverage. This plan is tailored to offer protection during unexpected events, serving as a vital safety net during challenging times.
Moreover, several of WorldTrips’ plans include a valuable “Crisis Response Cover,” which extends coverage for situations involving civil or political unrest, natural disasters, or other crises that travelers might encounter abroad. This comprehensive coverage even encompasses scenarios like “express kidnapping,” covering expenses related to response, ransom, and lost personal belongings.
It’s important to acknowledge that while the “Crisis Response” feature is highly beneficial, it may not be available in certain countries. These countries include Iraq, Afghanistan, Pakistan, Nigeria, Somalia, Venezuela, Iran, Cuba, Sudan, and North Korea. Nevertheless, in most of these countries, your regular travel insurance coverage remains valid, excluding the specific “crisis” aspect of the coverage.
As always, carefully review the terms and conditions of your insurance policy to fully understand the extent of coverage and any limitations specific to your travel destination. Travel insurance serves as a vital safeguard, offering reassurance and protection throughout your journeys. WorldTrips’ Atlas Premium plan provides invaluable protection during unforeseen events, and their Crisis Response Cover adds an extra layer of security for travelers navigating challenging situations abroad. Make sure to verify the availability of the Crisis Response feature in your intended travel destination and have a comprehensive grasp of your coverage to embark on your travels with confidence and peace of mind.
General tips to help you get back your travel insurance reimbursement:
All of the previously recommended travel insurance providers maintain extensive networks of hospitals, clinics, and physicians. It’s advisable to choose treatment from one of their in-network facilities.
By doing so, you can avoid the need to make upfront payments, as the treatment costs will be directly sent to the insurer for payment (unless the treatment exceeds the maximum coverage limit).
In the case of unforeseen situations like illness or accidents, it’s crucial to promptly contact your travel insurance provider. They will offer guidance on which in-network doctor or hospital to visit for medical treatment.
If accessing an in-network medical provider is not feasible, you’ll have to cover the treatment expenses upfront and then seek reimbursement from the insurance company at a later stage.
As you may be aware, dealing with insurance companies, whether it’s for cars, homes, health, or travel, can involve certain complexities. They often require specific documentation before processing payments.
To assist you in this process, here’s a breakdown of the documents that travel insurance companies typically request when you file a claim for reimbursement of medical expenses incurred during your trip. Providing the necessary documentation in an organized manner can expedite the reimbursement process and ensure a smoother interaction with the insurance company.
But first, a few insurance terms to cover:
*make a claim: ask an insurance company for reimbursement for medical expenses
*insurer: the travel insurance company
*beneficiary = claimant = the insured: the person (you) who is asking the insurance company for money/reimbursement
List of documents usually requested by travel insurance policies when you seek reimbursement for medical expenses (if you were treated by an out-of-network provider):
- Copy of the claimant’s national ID (driver’s license or other state-issued ID)
- Copy of Proof of Residency (any current proof – from the last 3 months – with the name of the claimant). If you don’t have this, send a declaration of residence that is completed, signed, and notarized by the insurer.
- For minors, a declaration of residence must be completed, signed, and notarized by the respective legal guardian (form provided by the insurer)
- Copy of the claimant’s voucher
- Original registration information form, signed by the beneficiary (form provided by the insurer)
- Copy of passport (ID page + page with entrance and exit stamps from the country where the accident happened) or other documentation that shows beneficiary was outside of habitual domicile when an accident happened (aka your home country) – for example: airplane tickets (by the way, you should always keep your boarding pass until the end of your trip, not only for filing a possible claim but also request your miles!)
- Presentation of the original medical report with descriptions of the procedures, provided by the health professional or medical center with a clear indication of the diagnosis, clinical history, and admission form, in the case of hospitalization
- Original prescription (if the pharmacy still has the prescription, send your x-ray or a document showing you picked up your medicine in exchange for the prescription)
- Invoice of the medical procedures or the pharmacy receipt with medications prescribed, which should match the quality and quantity of the provided prescription
- Report of medical care (explaining the reason, what happened and how the treatment went – both from the travel insurance staff as well the health providers), written by the beneficiary
- A completed list of expenses (form provided by the insurer)
- Your contact phone number, address, and e-mail
- Proof of bank info (copy of bank statement header, check, or debit card)
And here’s the most frustrating part – you’ll likely have to send all of these documents via traditional mail!
I completely understand your frustration; it’s a significant inconvenience. That’s precisely why it’s much more convenient if you can receive treatment from a healthcare provider within your insurance company’s network. This approach allows you to avoid the hassle and headaches of gathering all the paperwork.
However, if circumstances dictate otherwise, going through the reimbursement process doesn’t need to be an intimidating ordeal. With a bit of organization and ensuring that all the required documents are well-prepared, your chances of successfully filing your claim and receiving a timely reimbursement are quite promising!
If you have experience with filing a claim before, please share your insights and any helpful tips in the comments section below. Your input can be incredibly valuable in navigating the claims process and providing a smoother experience for fellow readers.
To summarize, these as the best travel insurance companies for the Indonesia:
- World Nomads Travel Insurance
- Safety Wing
My final advice: Absolutely, don’t underestimate the significance of obtaining travel insurance before embarking on your journey! If you’re already traveling and haven’t arranged for insurance yet, take swift action to secure coverage as soon as possible. And if you’ve already acquired a policy but require an extension (which both WorldNomads and WorldTrips allow), make sure to extend it before it expires.
By doing so, you’ll have the peace of mind that you’re protected throughout your entire adventure in Indonesia.
Now, the spotlight is on you. Have you come across any scenarios involving travel insurance? Have you ever needed to utilize your policy? If so, which company did you opt for, and how was your experience with the claims process? Or maybe you still have lingering questions about travel insurance in general?
Feel free to share your insights in the comments section below, and I’ll promptly provide responses!
Wishing you safe and joyful travels! (And let’s hope that newly acquired travel insurance plan remains unused!)
Planning your next trip?
Already reserved your hotel or hostel? If not, we recommend Booking.com. They have a huge selection of hotels and hostels all over the world. Plus, in most cases, you can cancel your reservation without any costs up to a few days before the check-in date!
Still haven’t booked your plane ticket and want to save big? Take a look at Momondo. It’s a flight aggregator that combines several other ticket search websites to make it easier for you to compare prices and make sure you are getting the best deal.
And finally, will you need to rent a car during your trip? Then check out Rentalcar.com to search and compare car rental companies from all over the world in a single website. Then, you can find the cheapest price for the best car!