Travel Insurance for Indonesia (2026): What You Need (Bali, Scooters, Surfing, Diving, Volcano Hikes)

Not automatically. Many standard policies exclude motorcycles/scooters entirely or cover them only under strict conditions: valid local motorcycle license (international driving permit with motorcycle endorsement), helmet worn at all times, and sometimes engine size limits (usually under 125cc). Always confirm scooter coverage AND the specific requirements before you ride. This is the #1 claim denial trigger for Indonesia travelers.

Usually yes. Most standard travel insurance policies either exclude diving entirely or require an activities/sports add-on. Check for: depth limits (commonly 18m for recreational, 30-40m with certification), certification requirements (PADI/SSI certification often required for deeper dives), and whether hyperbaric chamber treatment is covered. Indonesia's dive sites are world-class but often remote from decompression facilities.

It depends on the policy. Some treat surfing as a covered water sport; others classify it as an 'amateur sport' requiring an extension. Key questions: Does the policy cover wave size limits? Are reef breaks treated differently? Is equipment (board) loss/damage included? For spots like Uluwatu, Padang Padang, or Desert Point, verify your policy covers the actual conditions you'll encounter.

Not always. Some insurers classify volcano trekking as 'hazardous activity' or 'mountaineering.' Check: altitude limits (Rinjani summit is 3,726m), whether rescue/evacuation from remote terrain is included, and if guided tours are treated differently than independent hikes. Mount Batur sunrise hikes are generally lower-risk than multi-day treks like Rinjani, but confirm your specific policy terms.

This is where strong evacuation coverage proves its value. Getting from Gili Islands, Nusa Penida, or Komodo to a proper hospital in Bali or Singapore can cost thousands of euros in emergency transport (speedboat, helicopter, air ambulance). Good policies include: medical evacuation to nearest adequate facility, coordination through 24/7 assistance, and repatriation to your home country if medically necessary.

Yes, medical emergencies from illness are typically covered under the emergency medical benefits of travel insurance. This includes doctor visits, hospital stays, tests, and medications for conditions like dengue fever, traveler's diarrhea, infections, and dehydration. Keep all medical documentation and receipts for your claim.

Policy terms vary. Some cover you as a passenger even if they exclude you as a driver; others exclude all motorcycle/scooter incidents regardless of your role. If you're planning to ride with someone else (partner, local transport, etc.), confirm passenger coverage specifically. Don't assume it's automatic.

Most insurers require a valid motorcycle license from your home country, often combined with an International Driving Permit (IDP) with motorcycle endorsement. A standard car license typically won't satisfy insurance requirements for riding a scooter, even if local rental shops don't ask for it. Check your specific policy requirements before renting.

Trip delay and missed connection benefits vary by policy. Check: minimum delay threshold (often 6-12 hours), whether ferries/boats are specifically included (not just flights), and what expenses are covered (accommodation, meals, alternative transport). Keep written confirmation of delays from the operator and all receipts.

These adventure activities are often excluded from standard travel insurance or require a sports/activities extension. Check your policy's 'hazardous activities' or 'adventure sports' definitions. Commercial operations with safety equipment may be treated differently than independent activities. Confirm coverage before booking these popular Bali experiences.

Search and rescue coverage varies significantly between policies. Some include it as part of medical evacuation; others cap it separately or exclude it entirely for certain activities. For hikes like Mount Batur, Ijen, or especially Rinjani, verify that your policy covers rescue from remote/mountain terrain and understand any altitude or activity restrictions that apply.

Standard single-trip policies often have maximum duration limits (commonly 30-90 days). For longer stays, you may need: an extended single-trip policy, multi-trip annual coverage, or specific digital nomad/long-stay travel insurance. Confirm your policy's maximum trip length matches your actual stay and that activities like scooter riding remain covered throughout.