5 Travel Insurance Myths Expats in Indonesia Still Believe – And Why Yearly Travel Insurance For Expats Is the Smartest Move.

If you live in Bali, Jakarta, Lombok, or anywhere else in Indonesia as an expat, you’ve probably booked last-minute flights, done a visa run, or traveled home for holidays.

And yet, most expats still don’t get proper travel insurance — or they misunderstand what it covers.

Let’s clear things up with 5 common myths, and explain why having a yearly worldwide travel insurance plan is one of the best decisions you can make.

Myth #1: “I already have international health insurance — I’m fully covered.”

Reality: Health insurance (even international plans) usually only covers medical treatment, not all the extra things travel insurance includes:

• Trip delays or cancellations

• Lost or stolen baggage

• Emergency repatriation

• Personal accident or liability abroad

• Passport loss, hotel rebooking, etc.

🛡️ Travel insurance = protection for everything outside of just healthcare. It complements your health insurance — not replaces it.

Myth #2: “I live in Indonesia, so I only need domestic coverage.”

Reality: If you leave Indonesia — even for a weekend or visa run — your local policy stops covering you. Travel insurance is what covers you abroad, for both medical needs and emergencies like delays or theft.

🌏 With a yearly travel plan, you’re protected in every country you visit — no need to worry about small trips anymore.

Myth #3: “yearly travel insurance for expats is expensive — I’ll just take the risk.”

Reality: A yearly multi-trip travel insurance plan is surprisingly affordable. For less than a few dinners out, you can protect all your international trips for 12 months.

At Be Protected Indonesia, we help set up Zurich travel coverage in 24h with:

✅ Medical and accident coverage

✅ Global protection

✅ Trip cancellation & delay reimbursement

✅ Lost luggage

✅ Repatriation and more

💡 It’s cheaper than one missed flight or one ER visit in Singapore.

Myth #4: “My credit card insurance is enough.”

Reality: Most credit card travel insurance is very limited — and full of exclusions. You often need to prove you bought the ticket with the card, and it rarely covers:

• Pre-existing conditions

• Adventure activities

• Lost passports

• Repatriation or family travel

Don’t rely on “free” coverage — it could cost you a lot later.

Myth #5: “I’ll buy travel insurance later if something happens.”

Reality: Yearly travel insurance for expats must be active before your trip begins. You can’t get covered after something goes wrong.

That’s why a year-round plan is the best solution. No need to think or plan. You’re covered every time you step on a plane.

👉 fill out our Travel Insurance Form — https://www.beprotectedindonesia.com/travel-form

We will help you choose the right coverage based on your destination and duration.

Final Thought: One Plan, Total Peace of Mind

If you’re an expat living in Indonesia, having health insurance is important — but it’s not enough. You need a yearly travel insurance plan to stay fully protected — abroad and across borders.

At Be Protected Indonesia, we:

• Recommend the right travel insurance yearly plan for you or your family

• Set it up within 24h

• Help you with claims if needed