Pet Insurance in Indonesia: What Expats Need to Know
- Be Protected Indonesia
- 1 day ago
- 2 min read
Bringing your dog or cat to Bali or Jakarta? Or adopting a furry companion while living here?
More and more expats in Indonesia are asking the same question:“Can I insure my pet here?”
The answer is: yes — but you need to manage expectations.
Pet Insurance Exists in Indonesia — But It’s Limited
Unlike in Europe, Australia, or the U.S., where full coverage includes illness, surgery, dental, and more, pet insurance in Indonesia is still basic.
What you can generally find:
Accident-related coverage (if your pet is injured)
Death or permanent disability due to an accident
Liability coverage (if your pet harms someone)
Sometimes small reimbursements for vet visits or boarding
What’s not covered:
Chronic illness or cancer
Surgery from sickness
Pre-existing conditions
Vaccines, grooming, and dental care
Requirements You Might Not Expect
To be eligible, you might need to:
Show a certificate or registration (especially for imported or purebred pets)
Prove your pet is vaccinated and healthy
Submit a microchip number or ID photo
Be the legal owner in Indonesia (not just a visitor)
It’s not always straightforward — that’s why we help expats navigate the process.
So… Is It Worth Getting?
If your pet is:
Very active (likes to jump, run, explore)
Expensive to replace or treat (exotic breed, rescue pet from overseas)
Staying with you long-term in Indonesia
…then yes, some level of protection is better than none.
Even a small refund for vet costs or an accident payout can make a difference — and gives peace of mind.
Final Word for Expats
Pet insurance in Indonesia won’t cover everything. But it can help with real-life scenarios — like accidents, vet visits, or third-party claims.
We recommend it for expats who:
Want to show they’re responsible pet owners
Travel a lot and want a backup plan
Just want the reassurance that something is in place if their pet gets hurt
👉 Contact us if you want to explore what options are available based on your pet and your location. We’ll explain it clearly — no false promises.
