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    Medical Condition

    An existing medical condition is any medical condition which:

    At the time you buy your policy is:
    • chronic; or, 
    • displaying symptoms; or, 
    • under investigation; or, 
    • pending follow-up, consultation, treatment or surgery; or where these are recommended or planned; 
    • or metastatic; 
    • or terminal; or
    in the six months prior to the time you buy your policy there has been:
    • treatment by a medical practitioner; or 
    • medication prescribed; or 
    • surgery.

    Please refer to existing medical conditions that meet the criteria for automatic cover. 

    Do you want to complete a medical screening? 

    After entering your trip details (Age, Destination, Dates) to get a quote first. Please click on the "Continue" button to be redirected to nib to complete a medical screening. You will need to enter in details such as name & email, the medical screening will be on the following page. 

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be provided cover for snow sports related events. Snow Sports cover is only available on the International Comprehensive, Annual Multi trip and Australian Travel plans.

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you do not wish to purchase this additional cover.

    Snow sports are defined as Snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing. Click the link to find out more about Snow Sports travel insurance.

    $0 Excess

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".

    Variable excess option. An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you can reduce your policy excess amount to $0 on some plans. An additional excess may apply to specific medical conditions. This excess cannot be removed.


    Cruising is covered as standard. If the cruise only stops in one country, just select that country. If the cruise stops at multiple destinations, add each destination. 

    • If you are travelling to 'New Caledonia', please also add in 'South Pacific Cruise' so cruise is displayed on your Certificate of Insurance. 
    • If the cruise only visits stops within Australia, make sure you select ‘Australian Waters’ option and NOT just Australia.

    If you get sick aboard a cruise while traveling under one of our international policies, we can offer overseas medical cover on board, including if you contract Coronavirus during the trip. Make sure you’re following all relevant government and official advice. All policy terms, conditions, limits and exclusions apply, and you should be aware there are things we don’t cover, such as your cruise being cancelled by the provider due to an epidemic or pandemic.
    Click the link to find out more about travel insurance for cruising.

    Already Overseas

    If you are already overseas and need travel insurance due to your previous policy expiring, or need to be covered while overseas and for your return trip back to Australia you can purchase while overseas. The trip must end at your home in Australia. A 72 hour waiting period may apply for policies purchased when you are already travelling. See waiting periods in the PDS for more information. 

    Annual Multi Trip

    Annual Multi Trip Plan, trip(s) means any travel up to 45 days in duration between the departure date and return date shown on your Certificate of Insurance. Each trip must:
    • Start and end at your home in Australia, and 
    • Be to a destination of at least 200km from your home in Australia, and 
    • Include travel by either pre-paid scheduled public transport or hire car, or include at least one night of pre-booked publicly available accommodation
    Designed for people who are travelling internationally and may also be travelling domestically. 


    Your children, stepchildren, grandchildren, foster children, and children for whom you are the legal guardian, who are travelling with you on the same itinerary for the entire duration of your trip and at the time the Certificate of Insurance is issued are:
    • under 25 years of age, and
    • working less than 30 hours per week.

    Coronavirus Travel Costs

    This benefit covers you for specific events related to coronavirus, such as contracting the virus causing you to cancel the trip or causing your quarantine; a healthcare worker's leave being cancelled; or you being denied boarding due to your suspected infection with coronavirus. Click the link to find out more about travel insurance for coronavirus.

    COVID-19 Medical

    Overseas Medical limit - $Unlimited^ (including COVID-19. Subject to policy terms, conditions, limitations and exclusions).
    ^Expenses for up to 12 months from the date an illness first appears or injury first occurs. Includes reasonable and necessary overseas medical expenses arising from sudden illness or serious injury (including COVID-19).

    One Way

    Policies are available for one-way travel overseas or to return back to Australia! Enter your departure and return dates which would be your active dates of insurance. Trip must start or end at your home in Australia. Click the link to find out more about one way travel insurance.

    Travel insurance to Indonesia

    Travel Insurance to IndonesiaIndonesia is an archipelago of islands in south-east Asia. It has one of the highest populations of any country in the world and is totally unique. 

    Get a travel insurance quote to Indonesia today - Get a Quote

    Indonesia is a traveller’s paradise. It is an exotic grouping of tropical islands, contrasted by huge metropolises and unique rural communities. There are countless languages, ethnicities and faiths, speckled in the warm oceans north-west of Australia. There are a few main islands in Indonesia where the majority of the populations reside.  

    It is easy to get lost in Indonesia; the food is delicious, and the people are incredibly friendly. Australian’s have made Bali a home away from home, and people frequently voyage to this seaside delight. You may wish to travel with a degree of caution in Indonesia, there are stark cultural differences which often times people fail to adhere to. There is also the risk of petty theft and robbery, and in more serious cases, terrorist-related activities. You may wish to avoid the western-Papua province of Indonesia, and if you do travel there, exercise a high degree of vigilance. 

    Indonesia travel insurance


    Language:   Indonesian, English 
    Area:  1, 899, 685 sq. miles 
    Capital City:  Jakarta 
    ± GMT:  +7, +8 and +9 hours  

    Nearby countries to Indonesia

    Thailand travel insurance
    Papua New Guinea travel insurance
    Laos travel insurance
    Philippines travel insurance
    Vietnam travel insurance
    Cambodia travel insurance

    Indonesia information   

    Indonesian Geography   
    Indonesian Climate       
    Indonesian Attractions  
    Indonesian Activities     
    Indonesian History        

    Australian Consulate in Medan, Indonesia

    Australia Centre
    Jalan R.A. Kartini No. 32
    Medan 21152

    +62 61 415 7810, +62 61 455 4520
    +62 61 415 6820

    Australian Embassy, Indonesia

    Jalan H.R. Rasuna Said Kav C 15-16
    Jakarta Selatan 12940

    +62 21 2550 5555
    +62 21 522 7101, 2550 5467

    Australian Consulate-General in Bali,

    Jalan Tantular, No. 32,
    Bali 80234

    +62 361 241 118
    +62 361 221 195

    Travel Insurance to Indonesia

    Please refer to the Australian Government website Smartraveller for general information about Indonesia from the Smartraveller website. Please read the PDS before considering travel insurance to Indonesia.

    Useful Links

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    Seniors Travel Insurance
    Cruise Travel Insurance
    Already Overseas Travel Insurance
    Snow Travel Insurance

    Indonesia Travel Insurance

    Cover is subject to the policy terms, conditions, limitations, and exclusions set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS). Read the (PDS) prior to choosing travel insurance to Indonesia.