Travel Insurance Benefits for a Safe Vacation

Travel Insurance Benefits You Need to Know

Have you ever felt worried about the risks while on vacation? Starting from sudden illness abroad to lost luggage at the airport? Well, that's why travel insurance is one of the important things that Indonesian travelers often ignore.
 

According to BPS, the number of Indonesian tourists traveling abroad in 2023 will reach 8.54 million people. Meanwhile, UNWTO recorded international tourists reaching 965 million in 2022. This figure shows the increasing importance of protection during travel.
 

In this article, we will thoroughly discuss:
 

• What exactly is travel insurance?
  
  

• Types of policies you can choose from
  
  

• The benefits for a safer holiday
  
  

• The risk if you don't use insurance
  
  

• How to buy & claim on Oona
   

Don't forget to also read Oona's other articles such as Tips for Buying Travel Insurance or Travel Insurance Coverage to make it more complete.
 

Now that we know why travel insurance is important for a peaceful vacation, let's first understand what travel insurance actually is. Let's start by understanding the definition first!

What is Travel Insurance?

Have you ever imagined suddenly getting seriously ill while on vacation abroad? Or your luggage getting lost at the airport? That's where having travel insurance is important.
 

Travel insurance is a financial protection product that helps cover unexpected costs during travel, both domestically and abroad. With travel insurance, you don't need to panic about sudden hospital bills, flight delays, lost items, or even sudden cancellations.
 

Simply put, travel insurance is a way to “transfer risk” from your own pocket to an insurance company. You pay a (relatively affordable) premium, and if a disaster occurs, the insurance company covers the costs according to the terms of the policy.
 

This product is increasingly important as travel becomes more complex. Many people take multiple transit flights, travel to countries with high medical costs, or vacation while working remotely. The risks are greater, so the need for protection is greater.
 

According to the data from UNWTO, the number of international tourists in 2022 will reach 965 million people. Meanwhile, according to BPS, more than 8.5 million Indonesians will travel abroad in 2023. This means that the need for travel insurance is very relevant.
 

Now that we know the meaning, why is travel insurance really important for all travelers?

Why is Travel Insurance Important?

Imagine you have been saving for a year for a vacation to Europe. Tickets have been bought, hotels have been booked. Suddenly a week before departure you become seriously ill and cannot fly. Without insurance, all those costs are lost.
 

Or you have arrived at your destination, then have a minor accident but need surgery. In developed countries, the cost of surgery can be tens of millions or even hundreds of millions of rupiah.

Read Also: Tips for Buying Travel Insurance

With travel insurance:
 

• Unexpected medical expenses can be reimbursed
  
  

• Expired tickets and hotels can be claimed (if they meet the requirements)
  
  

• Long delays can be compensated with hotel/meal costs
  
  

• Lost or damaged items can be replaced

   

Travel insurance is not just a formality. It is a wise step of protection. Now, do you understand why it is important? Now let's look at the types of travel insurance policies that you can choose according to your needs.

Types of Travel Insurance

Everyone's vacation is different, and so are their protection needs. That's why travel insurance comes in a variety of policies that can be tailored to your travel style.
 

Want to travel solo, vacation with your extended family, or go on a regular business trip? There are options for everything. There are even special policies for Umrah/Hajj pilgrims or studying abroad.
 

The following are the types of travel insurance that you can consider to make your vacation safer, more comfortable, and worry-free.

1. Individual Travel Insurance

Well, for those of you who really like me-time and like to travel alone, try considering this insurance. This insurance is included in the personal insurance category.
 

Individual Travel Insurance is only valid for one person in one trip and one insurance policy. So, if you are traveling solo, there is nothing wrong with having insurance that helps and protects you. To be calmer and safer while traveling alone.

2. Group Travel Insurance

Often travel with friends or family? This insurance is generally used for business trips and vacation events together. By purchasing this insurance package, of course the price of travel insurance is more economical than having to buy individual insurance for all family members.

3. Single Trip Insurance

The next type of insurance is single trip insurance. If you only plan to take one trip, you can choose single trip insurance. This insurance is included in the short-term insurance category, so it is suitable for those of you who do not travel very often or if for example your vacation is only once every three months, it is better to choose this one, yes. So that it fits better with your vacation frequency.

4. Annual Trip Insurance

If you often travel for work, school, or for routine health checks, it's better to take annual trip insurance. This insurance can be chosen for a certain travel period or a whole year. What's even better is that it's perfect for those who like to travel long distances, like once a week or once a month.

5. Travel Insurance Based on Travel Purpose

The next type of travel insurance is based on the purpose of the trip. Choose the type of insurance that suits your travel reasons. You can choose insurance related to the purpose when traveling. If the purpose of the trip is for tourism or traveling, then you can choose travel insurance. However, if the purpose of the trip is for business travel, it is better to take business travel insurance.

6. Travel Insurance Based on Travel Destination

This type of insurance is divided into two, namely domestic travel insurance and international travel insurance. If we only want to travel in Indonesia, we can choose domestic travel insurance. Well, if the plan is to travel abroad, we choose international travel insurance. The difference is, one protects us while in the country, the other provides protection for mobility when traveling to and abroad.

7. Travel Insurance for Umrah and Hajj

If you are going to go on a hajj or umrah, there is an important thing that you should not forget. That is, buy special travel insurance for hajj and umrah. Well, this insurance is specifically made for those who are going on a pilgrimage. So, you can worship calmly and safely without worrying about the risk of loss.

8. Student Assist

Now, let's discuss travel insurance for students. It's called Student Assist. So, if you have plans to continue your studies abroad, this insurance can be an option. It's perfect for those who want to study in America, Australia, Malaysia, France, England, or other countries.
 

Here's a handy table to help you choose the type of travel insurance that suits your holiday style.

Disclaimer: The type of insurance and its benefits can vary according to your needs and the terms and conditions of the policy. Choose the one that best suits your travel plans.
 

Now that you know the types of policies, let's discuss the main benefits you can experience by having travel insurance.

Benefits of Travel Insurance

Now let's discuss the most important part: What are the benefits of travel insurance?Many people think that travel insurance is “optional” or just a visa requirement. However, its benefits can be crucial if something unexpected happens during your vacation.
 

Here are some of the main benefits you can get:

Disclaimer: The benefits listed are general and may vary by policy. Always check the policy documents for complete details.
 

• Emergency Medical Coverage: Travel insurance provides protection against medical expenses that may arise during a trip. This includes treatment for illness or accidents that occur while at a tourist destination.
  
  

• Cancellation of travel: Travel insurance can provide reimbursement if a trip has to be cancelled or interrupted for certain reasons, such as sudden illness, accident or other unforeseen events.
  
  

• Flight Delays: If your flight is delayed, travel insurance can provide compensation for any additional costs that may arise, such as accommodation or local transportation.
  
  

• Lost Luggage: Travel insurance provides protection against the risk of loss or damage to luggage while traveling. If your luggage or belongings are lost, damaged, or stolen during your trip, you can get compensation according to the policy limit. This helps cover the cost of buying replacement items and prevents unanticipated financial losses.
  
  

• Accident/Death Benefits: Travel insurance also provides compensation in the event of a serious accident that results in permanent disability or death during the trip. This compensation will be given to the insured or heirs, so that the family left behind gets financial protection. This feature adds a sense of security for travelers, especially when traveling long distances or to destinations with higher risks.
  
  

• Terrorism Risk: Many modern policies already include protection against the risk of injury or death due to terrorism. This is important for travel to countries or cities with a certain level of security risk. With this protection, you don't have to worry about having to pay for medical expenses or compensation if you become the victim of a terrorist attack while traveling.
  
  

• Umrah/Hajj Coverage: For pilgrimages, travel insurance has special benefits designed to suit the needs of pilgrims. This includes emergency medical evacuation costs in Saudi Arabia, reimbursement of hospitalization costs, and repatriation of bodies to Indonesia in the event of an untoward incident. With this protection, worship can be carried out more calmly without thinking about the risk of large costs.
  
  

• Student Assist: Travel insurance for students studying abroad provides comprehensive protection. Benefits include medical expenses, emergency hospitalization, medical evacuation, and support for accompanying family members. This helps students focus on their studies without worrying about health risks or unexpected costs while away from home.
   

According to Allianz Travel, around 17% of international trips experience problems such as delays, cancellations, or medical claims. Without insurance, these costs can wipe out your vacation savings in an instant. Have you seen the many benefits? Well, to further imagine the importance, try to imagine the risks if we travel without insurance.

Risks Without Travel Insurance

Many people think, “Paying a premium just adds to the cost of the vacation.” But just imagine if these unexpected things actually happened:
 

• Sudden hospitalization abroad can cost up to IDR 50–500 million
  
  

• Minor surgery in Singapore costs around IDR 20–40 million
  
  

• Delays of dozens of hours force unexpected hotel/meal costs
  
  

• Lost or damaged luggage worth millions of rupiah
  
  

• Tickets will be void if you have to cancel your trip suddenly.
   

Without travel insurance, all of those costs come out of your own pocket. A vacation budget that was initially IDR 10 million can swell many times over if something goes wrong.
 

According to CoverTrip:
 

• 17–20% of international trips experience problems
  
  

• 40% of claims related to delays or baggage
  
  

• 30% medical claims
  
  

• 20% trip cancellation

Risk Without Insurance

Disclaimer: Cost estimates are approximate and may vary depending on the destination country, hospital and services used.
 

With travel insurance, you can transfer this big risk to the insurance company. So the vacation remains safe, comfortable, and worry-free. Fortunately, buying travel insurance at Oona is very easy. Let's see the practical way below!

How to Buy Oona Travel Insurance

Don't worry, buying travel insurance at Oona is 100% online, practical, and super easy. You don't need to bother coming to the office or sending physical documents. Everything can be done from home or even while having coffee at a cafe.
 

With a transparent process and responsive service, Oona ensures that you can get the travel protection you need without any hassle.
 

Here are the practical steps to purchase travel insurance at Oona:

1. Visit the Product Page

First, open the official Oona Travel Insurance product page at: https://myoona.id/en/all-product/travel-insurance/
 

There, you can see various choices of travel insurance products along with details of their benefits. All information is available clearly and transparently, so you can compare easily.

2. Choose the Type of Policy According to Your Needs

Oona offers several policy options that can be tailored to your travel plans and who you will be traveling with.
 

• Individuals: For one person. Suitable for solo traveling, solo business trips, or personal vacations.
  
  

• Partner: For two people in one policy. Ideal for couples on vacation together without having to buy two separate policies.
  
  

• Family: Protect your entire family in one convenient policy. More economical and easier than buying policies one by one.
  
  

• Single Trip: Covers one trip, perfect for short vacations or occasional business trips.
  
  

• Annual Trip: Valid for a full year for frequent travelers. More savings for frequent travelers or business people.
  
  

• Domestic or International: Select the coverage area according to your holiday destination.
   

With this option, you can customize your coverage to suit your needs, destination, and who is traveling with you.

3. Fill in Travel Data

After selecting a policy, fill in your travel details with accurate details:
 

• Departure and return dates
  
  

• Destination or destination country
  
  

• Number of people to be insured
   

All of this data helps tailor benefits and premiums to better target outcomes.

4. View Price Simulation

Once the data is filled in completely, the Oona system will provide an instant price simulation.
 

For example:
 

• Premiums start from IDR 43,000 for domestic single trips.
  
  

• Annual Trip or International will adjust the destination and duration.
   

Disclaimer: Price simulation is for illustration purposes only. Actual premiums may vary depending on trip details and policy selected.
 

With this simulation, you can compare various options before deciding.

5. Make Online Payments

Once you are satisfied with the policy and price, all you have to do is make the payment through Oona's secure, fast and transparent online system.
 

The available payment methods make it easy for you: bank transfer, credit card, digital wallet—all can be done without any hassle.

6. Policy Sent via Email

Once payment is complete, your travel insurance policy will be sent directly to your email.
 

• No need to wait long or send physical documents.
  
  

• You can directly save the policy on your cell phone or print it if you want to carry it physically.
   

This convenient, digital policy keeps you ready to go anytime with maximum protection.

Premium Price Simulation

Disclaimer: Price simulation is for illustration purposes only. Actual premiums may vary depending on destination, trip duration, and policy details.
 

Why Buy Oona Travel Insurance?
 

• Hassle-free online process
  
  

• Fast police sent to email
  
  

• CS support for online claims
   

With a process this easy, there's no excuse to go without protection. Buy Oona Travel Insurance now!

Already know how to buy it? Now let's see how to claim it if something unexpected happens.

How to Claim Oona Travel Insurance

Many people worry that insurance claims are complicated or time-consuming. Don't worry, at Oona the claim process is made as simple as possible so that you remain comfortable even when facing unexpected situations.
 

Here are easy steps to make a travel insurance claim at Oona:

1. Collect Supporting Evidence

Make sure you keep all relevant evidence well. This will simplify the verification process and speed up the approval of the claim.
 

• Airline tickets and boarding passes
  
  

• Delay certificate from the airline
  
  

• Hospital receipt or drug prescription
  
  

• Lost letter from police or airport
   

The more complete your documents, the faster your claim can be processed.

2. Fill in the Online Claim Form

youno need to come to the office or queue. Just go to the Oona website and fill out the online claim form.
 

• Fill in personal data
  
  

• Select policy number
  
  

• Explain the chronology of events briefly and clearly.
   

Online forms make it easier for everyone, even those who are abroad.

3. Upload Supporting Documents

Once the form is filled in, upload all the prepared documents:
 

• Photo or scan of boarding pass
  
  

• Hospital receipt photo
  
  

• Certificate of loss or delay
   

Everything can be done from a cellphone or laptop.

4. Verification Process by Oona Team

Once the claim is submitted, the Oona team will check the documents and details you submitted.
 

• This process is to ensure that everything is in accordance with police regulations.
  
  

• If there are any missing documents, the team will contact you to complete them.
   

Typically, verification is quick and transparent.

5. Disbursement of Claim Funds

Once the claim is approved, the claim funds will be immediately transferred to the account you registered.
 

• No need to withdraw cash at the office
  
  

• Everything is online and automatic
  
  

• Normal process usually 7–14 working days after the documents are complete
   

With a digital and easily accessible system, you can still process claims even when you are on the go.

Travel Insurance Claim Process at Oona

Disclaimer: Claim processing time may vary depending on the completeness of the documents and the type of claim.
 

Why is Oona Travel Insurance claim more convenient?
 

• 100% online without the hassle of sending physical documents
  
  

• Accessible at any time, even from abroad
  
  

• Friendly and responsive customer service support
   

With an easy claims process, you can focus on recovering, continuing your journey, or rearranging plans without stressing about unexpected costs.
 

Check price Oona Travel Insurance for complete protection during your vacation. So, do you really need travel insurance? Let's discuss it further.

Do You Need Travel Insurance?

You may be wondering: “Is it really necessary to buy travel insurance?” The answer really depends on your personal needs and situation.
 

Travel insurance is not mandatory, but it can be very important to protect your finances if something unexpected happens. Imagine if your vacation abroad is suddenly interrupted by a sudden illness, a minor accident, lost luggage, or a canceled flight. All of that can trigger quite a lot of costs.
 

If your trip:
 

• Involves huge costs for tickets and hotels
  
  

• Heading to a distant destination with high medical costs
  
  

• Have a tight schedule that is prone to change
  
  

• Bring your family or small children who need extra protection
   

So having travel insurance is a wise choice. With relatively affordable premiums, you can “transfer” financial risk to the insurance company and travel more calmly.
 

The bottom line: Travel insurance is not just an additional expense, but an investment in the safety and comfort of your vacation.

Conclusion

Well, that's the definition and some of the benefits of buying travel insurance. By having this protection, your trip can be more calm and comfortable, without having to worry about facing various risks such as flight delays, lost luggage, or other unexpected events. So, before leaving, let's consider buying travel insurance.
 

With a variety of protection options and easy claims process, Oona is ready to protect you. Check out the offer Now!