Demand follows a clear seasonal rhythm
Sales peak in November and December — driven by year-end holidays and pre-Christmas international trips — and dip in April and May, when the post-Eid shift pulls travel closer to home. Across the year, 55% of quotes convert to a purchased policy, and the rate moves with the season and campaign activity.
International travel coverage makes up 65% of all policies sold. Demand is strongest in Q1, when Indonesians head to winter-friendly destinations, and again in Q4. Domestic travel insurance is more volatile — shaped by Indonesia's festival calendar, with sharp swings around major holidays.
Long-haul trips generate the highest premiums. Europe averages USD 50 per policy, Australia & Pacific USD 44. Japan is the most popular international destination by volume — 26% of all international policies — at an average of USD 32.
Across all destinations and trip types, medical care is the top priority by a wide margin: 92% of customers selected Medical Care Coverage.
Indonesians buy travel insurance late
The median gap between getting a quote and departing is just two days. 30% of purchases happen on the day of travel, and 67% are made within a week of departure. Domestic travellers wait until almost the last moment — buying one day before leaving — while international travellers give themselves around six days.
Vouchers drive a step-change in conversion
Quotes with a voucher code convert at 97% vs. 51% without one — a 46-point gap. Customers who seek out vouchers are already close to buying.
International trips last longer
Domestic trips average 3 days; international, 8 days.
Departure days differ by trip type
Domestic travelers typically depart on Thursdays, whereas international travelers depart on Tuesdays.
Five distinct traveller profiles
The typical Igloo customer is 36, split 50/50 between men and women, and about a third come from major cities. Five distinct traveler types stand out within this group:
| Segment | Avg premium | Lead time | Behaviour |
|---|---|---|---|
| Domestic Travellers | USD 10 Lowest |
3 days Shortest |
Speed and convenience matter most. Top destination: Malang. |
| Regional Travellers | USD 19 | 11 days | High frequency, shorter trips. Top destination: Southeast Asia. |
| Group Travellers | USD 45 Highest |
17 days | Group-friendly features, bulk add-ons. Top destination: East Asia. |
| Loyal Repeat Buyers | USD 28 | 18 days | Regular, short trips. Top destination: East Asia. |
| Long-Haul Travellers | USD 44 | 31 days Longest |
Seek comprehensive cover: medical evacuation, cancellation. Top destination: Europe. |
Repeat buyers plan further ahead — and buy independently
41% of customers have bought at least twice, averaging four policies each. They typically buy 18 days before each trip, and because these later trips tend to run longer, they pay 31% more per policy than first-time buyers.
Longer lead times, longer trips
Repeat customers book about 18 days out, 50% earlier than first-time buyers, and take trips lasting 12 days versus 9. That extra runway helps explain the premium they pay.
They're self-sufficient
Repeat customers need less support — they rely on Igloo's AI tools, informed by their own purchase history, to navigate and buy independently.
Adapting insurance distribution to Indonesians' buying behavior
Despite a strong recovery in outbound travel since the pandemic, travel insurance remains significantly underpenetrated in Indonesia due to structural and experiential barriers, from jargon-filled product pages, lack of user guidance across insurers and plans, and unavailability outside office hours.
In June 2026, Igloo launched an end-to-end AI travel insurance assistant, Igi, in Indonesia that guides travellers through the full travel insurance journey, from picking a destination and plan comparison to personalised recommendation, payment, and policy issuance, within a single conversational interface. Unlike chatbots or AI-enabled customer support, Igi autonomously handles the complete purchase journey end to end, from a question to comparison, recommendation, and purchase.
Since launching, users who engaged with Igi were 44% more likely to complete a travel insurance purchase compared to those who used the website alone, illustrating how adapting insurance distribution to Indonesians' travel behaviour and lifestyle habits makes protection more accessible, seamless, and ultimately beneficial.
Simple insurance.
Powered by data.
Igloo runs one of Southeast Asia's largest insurance data ecosystems, having facilitated over 2.2 billion policies for 40 million-plus customers since 2019 and processing 100 million policies a month across six regional markets and dozens of industries. Because this data is drawn from live insurance transactions rather than surveys, Igloo uses it to design better products with partners, price risk more accurately, and power the AI embedded across its insurance technology stack. The same intelligence feeds back to the ecosystem — through data insights that reveal how Southeast Asians actually buy cover, and through tools like the Igloo Insurance Risk Score that extend behavioural risk assessment into markets where traditional credit data falls short.
Get the full report
Download the original PDF for offline reading and sharing with partners.