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Best Travel Insurance for Bali – Price & Requirements

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When traveling abroad, get a policy from one of the  best travel insurance companies . Y ou can get a  5% discount   on Heymondo , the only insurance that pays medical bills upfront for you, HERE!

Buying travel insurance for Bali should be one of the first things you do before you jet off to this fantastic destination. After all, you never know when a vacation will be interrupted by a broken leg, lost luggage, or a flight delay. Having Indonesia travel insurance , or insurance for travel to Bali specifically, means you won’t be stuck with tons of extra fees if something unexpected happens.

Best Travel Insurance for Bali – Price & Requirements

When we went to Bali, we purchased Heymondo travel insurance before our trip. As it turned out, this was a very smart decision since I ended up needing medical treatment during the trip. Even if nothing had gone wrong, though, travel insurance for Bali was worth having just for the peace of mind it gave us.

5% OFF your travel insurance

Of course, to have the perfect trip, you’ll also need to decide what things you want to do in Bali and where to stay in Bali . In terms of Bali travel insurance , though, these are all the things you need to know:

Is travel insurance mandatory for Bali?

How much is travel insurance for Bali?

• Best travel insurance for Bali

Ready to learn more about the best travel insurance for Bali ? Let’s get to it !

Travel insurance for Bali is not currently mandatory. Still, purchasing travel insurance that covers COVID-19 is always a smart idea.

After all, you never know when you’ll get sick or injured while you’re traveling. Plus, paying medical fees out of pocket can get incredibly expensive. On top of that, having insurance for travel to Bali will allow you to get reimbursed if you cancel a hotel reservation at the last minute, lose your luggage, or need to quarantine. It’s always better to buy travel insurance for Bali and not need it than to go without it and up paying tons of fees.

Bali travel insurance requirements

Even though travel insurance for Bali is not an entry requirement, there are still several types of coverage that you should have if you do decide to purchase insurance. COVID-19 coverage is absolutely imperative, as is emergency medical expense coverage, particularly since medical care can be costly. Evacuation and repatriation coverage, which covers return travel to your home country for medical treatment or because of political events, is also crucial.

As such, you should, at a minimum, purchase travel health insurance for Bali . If you’d prefer to have travel-related coverage as well, look for travel insurance with trip cancellation and baggage coverage .

The price of travel insurance for Bali will depend on your age and nationality, as well as the length and cost of your trip. To help you get an idea of how much insurance for travel to Bali costs , I used the example of a 30-year-old American spending a week in Bali with a trip cost of $2,500 to generate quotes.

*price used for example

Ultimately, all four of the Bali travel insurance plans I’ve compared have their merits. The best overall travel insurance for Bali , however, is Heymondo , especially since they pay travelers’ medical expenses directly and upfront. If you’d prefer to save money and just have medical-related coverage, SafetyWing is another excellent option, but bear in mind it has a deductible of $250 per claim .

1. Heymondo , the best travel insurance for Bali

If you want the best travel insurance for Bali , look no further than Heymondo . Not only does their Top plan offer a high amount of coverage in all categories, but it’s also the most affordable option with both travel- and medical-related coverage.

On top of that, Heymondo is the only Bali travel insurance company that pays for travelers’ medical expenses directly and upfront, saving you the hassle of filing a claim to get reimbursed. The convenience of this payment process as well as the company’s excellent customer service have enabled Heymondo to consistently rank as one of the best travel insurance companies .

Best of all, the Top plan includes a $0 deductible for medical expenses, so you won’t have to pay a single penny out of pocket for any medical fees.

Heymondo has several amazing benefits and very few downsides, which is why we have annual multi-trip insurance with this company. Since we’ll be taking a number of trips over the next year, this policy saves us a lot of money. You can learn more in our Heymondo review and save 5% on your plan with the promo code below.

2. SafetyWing , a cheap travel insurance for Bali

Saving money on travel insurance doesn’t have to mean poor coverage. Purchasing travel health insurance will ensure you get the medical coverage you need without the higher cost of covering travel-related expenses.

SafetyWing is by far the best health insurance for Bali travel option. Their Nomad Insurance plan offers great worldwide coverage in all medical-related categories, plus it’s the most affordable Bali travel insurance of all the plans I compared. You can even choose to automatically extend your plan every month if you want to keep traveling, so it’s ideal for digital nomads looking for long-term travel insurance .

The Nomad Insurance plan does offer some limited travel-related coverage for baggage loss and trip interruption, but this coverage is not as comprehensive as that of other travel insurance plans. Moreover, the plan’s $250 deductible means you’ll have to pay $250 towards any medical bills before SafetyWing covers the remaining balance.

As such, if you’d prefer a $0 deductible or want better travel-related coverage, Heymondo is your best bet.

3. World Nomads , the best holiday insurance for Bali for sporty travelers

If you’re planning a vacation full of adventurous activities, World Nomads is the perfect choice for holiday insurance for Bali . Their Standard plan covers tons of activities and sports, including surfing and snorkeling, two of the best things to do in Bali .

You’ll also enjoy good coverage in all travel- and medical-related categories, as well as a $0 deductible for medical expenses. In terms of cost, however, the Standard plan is a little on the pricey side. After all, you can get a higher amount of coverage in all categories for a much lower price with Heymondo.

While World Nomads is one of the best cheap travel insurance companies , it’s only worth it if you’ll be doing a lot of sporty activities.

4. IMG , a reliable travel insurance for Bali, Indonesia

IMG is a well-respected travel insurance company that many travelers trust for their insurance needs. As such, it probably comes as no surprise that IMG’s iTravelInsured SE plan provides a solid amount of coverage in all categories, including trip cancellation insurance .

This travel insurance for Bali plan even includes Cancel for Work Reasons coverage and coverage for pre-existing conditions . There’s also a $0 deductible for medical expenses, so as long as your claim is approved, IMG will completely cover any medical bills incurred abroad.

One drawback, though, is that the iTravelInsured SE plan is the most expensive of all the plans I compared. As such, if you want similar or even better coverage for a lower price, go with Heymondo .

What travel insurance do I need for Bali?

Ultimately, travel insurance for Bali is not mandatory, but it’s still smart to purchase some kind of coverage. Take it from me: when I was visiting the Monkey Forest in Ubud, a monkey bit me! I then rushed to the nearest hospital, where I was quickly treated.

Fortunately, I had purchased Heymondo holiday insurance for Bali before my trip, so I knew my medical expenses would be covered. When I saw the bill, though, I was especially relieved I had travel insurance – that medical treatment was not cheap! Save yourself the stress of going through an experience like mine without travel insurance by purchasing coverage before you travel.

Any of the Bali travel insurance options above will provide great coverage, but the standout is Heymondo , which offers excellent travel- and medical-related coverage for an affordable price.

On the other hand, if you want to save money, SafetyWing ’s travel health insurance for Bali is the most affordable option.

Either way, these essentials will help you plan your trip to Bali :

Essentials to save on your trip to Bali

Check the best no-foreign transaction fee credit cards .

Find the BEST DEALS for the top accommodation options in Bali .

Get a 5% discount on your travel insurance for Bali .

Check the best tours in Bali to make the most of your time HERE and HERE .

CHEAP FERRIES from Bali (hotel pick-up not included).

If you have any other questions about purchasing travel insurance for Bali or planning your trip, feel free to leave me a comment below!

Don't miss a 5% discount on your HeyMondo travel insurance  

and the only one that pays all your medical bills upfront for you!

Ascen Aynat

6 replies on “ Best Travel Insurance for Bali – Price & Requirements ”

Hello, am I able to get this cover while in Bali, i usually get travel insurance prior to leaving but apparently if i dont have return ticket (which I don’t as i have the 180 days option) they would offer the 90 days free (my bank) only found this out on the day I was leaving so wasn’t planned. Now in bali and just want to make sure my son and I can get some cover soonest. Thanks in advance, Bron

Hi Bron, Some travel insurance companies let you buy a policy even if you’re already abroad. For example, Heymondo can get you covered for your Bali trip. Good luck!

Hello Ascen, a group of family are travelling to Bali next year, we have heard that there are some insurance companies that will not cover you if you ANY alcohol in your system. As there will drinking on our trip we are concerned. Would you know if this will apply to any of the above mentioned Insurance companies?

Warmest regards,

Hi Zena, Most insurance companies won’t cover any injuries or incidents that result from having a blood alcohol level above the legal limit. If you’re socially drinking, you should be okay, and you can still purchase a travel insurance policy for Bali.

Hello . Are there any insurance that cover for driving a scooter in Bali ? (- If not having a motorcycle licence- only a UK driving licence for a car and IDl for car) . ?

Would i be covered for medical cost s if I went as a passanger on the official Gojet? Taxi scooters? Thank you

Hi Eva, Yes, but the extent of the coverage really does depend on which company and policy you go with. I would double-check before purchasing.

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• Travel Insurance Bali

On This Page

• Key takeaways

Do I need travel insurance to visit Bali?

Our top picks for the best travel insurance for bali, bali travel information & requirements, why bali travel insurance is important, what does travel insurance for bali cover, what isn’t covered by travel insurance for bali, how much does travel insurance for bali cost, tips for getting the best bali travel insurance, faq: bali travel insurance, related topics.

Travel Insurance for Bali: US Visitor Requirements & Quotes

• You’ll need a visa and a valid U.S. passport to travel to Bali.
• It’s a good idea to purchase travel medical insurance because Indonesia does not accept U.S. health insurance .
• According to our research, our top picks for travel insurance for Bali come from Seven Corners, Travelex and Tin Leg ( skip ahead to view these plans ).
• While the cost of travel insurance varies depending on the provider, type of coverage and more, the cheapest plans can cost as little as $1 per day .
• To find the best deal, we recommend using an online comparison tool . This way, you can view multiple quotes and coverage options at once.

If you’re in the mood for an island getaway, you can’t go wrong with a trip to Bali. Breathtaking waterfalls, sandy beaches, mountain summits and hidden caves await you.

Before you pack your bags, however, we highly recommend that you purchase comprehensive Bali travel insurance. 

In this guide, we’ll help you understand:

• Travel requirements for Bali
• Why it’s important to purchase a comprehensive travel insurance plan
• What travel insurance for Bali covers and doesn’t cover
• How to find the best travel insurance policy for your needs

Our top picks for the best travel insurance bali

• Seven Corners: Best for Robust Coverage
• Travelex Insurance Services: Best Rated Travel Insurance
• Tin Leg: Best for Travel Delays

Seven Corners

Travelex insurance services.

There’s no legal requirement to have travel insurance , but we highly recommend purchasing a travel plan with coverage for trip cancellation, trip interruptions, medical expenses, medical evacuation and other common scenarios. 

A good travel insurance plan protects you from significant financial losses in the following circumstances:

• You incur unexpected medical expenses while you’re island-hopping in Indonesia.
• You need emergency evacuation services due to a severe illness or injury.
• An unforeseen natural disaster forces you to cancel your trip or end it early.
• The airline loses or damages your luggage.
• An unexpected delay forces you to stay in Indonesia for longer than planned.

Best for Robust Coverage

Why we like it.

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Best Rated Travel Insurance

• Plans can be customized with upgrades
• Children 17 and under included for free with some plans
• Coverage for pre-existing medical conditions available
• CFAR coverage is available as an add-on to a comprehensive travel insurance plan
• Optional CFAR coverage only reimburses 50% of prepaid travel expenses, which is less than some competitors
• Travel Select plan only has $50,000 in coverage for emergency medical expenses, which is lower than some competitors
• The baggage delay benefit requires a 12-hour waiting period
• CFAR coverage is not available with all Travelex plans

Best for Travel Delays

• Coverage for pre-existing conditions
• Cancelation & interruption coverage
• Offers hurricane and weather coverage

Are there COVID-19 restrictions for U.S. tourists?

Although the U.S. State Department encourages American travelers to get the COVID-19 vaccine, Bali’s government has no COVID-related restrictions for U.S. tourists. Indonesia  stopped requiring proof of vaccination  on June 9, 2023.

Do I need a visa or passport to travel to Bali?

Yes. You need a valid U.S. passport with at least two blank pages for your entry stamp. Your passport must be valid for  at least six months  following your scheduled arrival date.

You also need to obtain a visa from Indonesia’s  e-Visa system  before your trip. Indonesia offers single-entry visas as well as multi-trip visas. The cost of a visa depends on the length of your stay and the reason you plan to visit Bali. For example, it costs IDR 1,500,000 (around $96) to purchase a single-entry tourist visa for stays lasting no more than 60 days.

Is it safe to visit Bali?

Bali is relatively safe, but it does have an increased risk of natural disasters due to its location in the Lesser Sunda Islands. There’s also some risk of terrorist activity in Bali and other parts of Indonesia. Protect yourself by taking common-sense precautions during your trip.

Risk of volcanic eruptions and natural disasters

Indonesia is located in the Ring of Fire, a belt of earthquakes and volcanoes surrounding much of the Pacific Ocean. Therefore, there’s a high risk of volcanic eruption. Some insurance companies classify volcanic eruptions as foreseen events, which means they won’t cover trip cancellations or interruptions due to volcanic activity. Other firms treat them as unforeseen events.

Risk from sporting activities  

Bali is home to Mount Batur, West Bali National Park and other points of interest. If you decide to go trekking, try SCUBA diving or participate in other adventure activities, you’ll need a comprehensive travel insurance policy to protect you. Depending on the type of policy you buy, your insurer may reimburse you for unforeseen medical expenses, medical evacuation costs and other expenses associated with adventure sports.

Note that most standard insurance plans don’t include this type of coverage. If you want coverage for risky activities, you’ll need to add it to your Bali travel insurance policy.

Risk of a driving accident

Bali doesn’t have a strong public transportation system, so many people use motorbikes and mopeds to get around. When you ride a motorbike or a moped, you don’t have the body of a vehicle around you for extra protection. Therefore, you may sustain serious injuries if you’re involved in an accident.

The risk of accidents is also higher for motorbikes and mopeds than it is for standard cars and trucks, especially if you ride with someone who darts around traffic or drives at a high rate of speed. A comprehensive travel insurance plan covers medical expenses and other costs arising from this type of accident.

Depending on what type of travel insurance policy you buy, your plan may cover the following situations.

Trip cancellation insurance

Trip cancellation coverage reimburses your prepaid, nonrefundable expenses in the event you have to cancel your trip for a covered reason. For example, if you come down with a serious illness before your departure date, you may qualify for reimbursement of up to 100% of your prepaid costs. 

This type of insurance only covers unforeseen events, which are things that happen suddenly and unexpectedly. For example, if you book your trip after a named storm has already developed near Bali, you won’t be able to get your money back if the storm forces you to cancel your trip. Severe illness, job loss and the death of an immediate family member are all examples of unforeseen events covered by trip cancellation policies.

Some companies also offer cancel-for-any-reason insurance , commonly abbreviated CFAR. This type of insurance allows you to get your money back if you have to cancel for a reason that isn’t covered by your standard travel insurance plan.

Assume your travel companion decides they want to go to Bora Bora instead of Bali. That’s not a good enough reason to cancel under a standard plan, but you can get your prepaid, nonrefundable expenses back if you paid for CFAR coverage.

Trip delay insurance

During your trip, you’ll probably use at least one common carrier, which is a company that provides transportation services to the public. This includes commercial airlines, railroads, cruise lines and bus companies.

If you’re delayed due to a problem with one of these carriers, your travel insurance will reimburse you for any expenses arising from the delay . For example, if an airline cancels your flight, causing you to arrive in Indonesia a day later than planned, your insurance company may reimburse you for the money you spent on meals and toiletries related to the delay.

Trip interruption insurance

Sometimes you depart on time and have to end your trip early due to unforeseen circumstances. This is why you need trip interruption insurance. This type of coverage reimburses you for expenses associated with a covered event . Imagine that you’re hiking through the Indonesian wilderness. Suddenly, you fall from a great height, breaking both legs. You won’t be able to continue your trip as planned, the perfect time to use your trip interruption benefits.

Your insurance company may also cover your repatriation costs, which are the costs associated with returning to your home country. For example, if you have to change your flight, a last-minute ticket may cost $500 or $1,000 more than you already spent. Trip interruption insurance covers these expenses.

Travel medical insurance

U.S. health insurance generally doesn’t cover medical emergencies that occur overseas . Travel medical insurance covers expenses arising from unexpected illness and injuries, ensuring that you don’t leave Bali with a huge hospital bill. For example, if you get into a motorbike accident, you may have to spend several days in a medical facility. Travel insurance will cover your room and board, nursing care, lab tests, X-rays and other healthcare services.

Medical evacuation insurance

Some areas of Indonesia are rather remote. If you’re exploring some of Bali’s hidden caves, for example, there’s a chance you’ll fall and injure yourself. Unfortunately, the closest hospital may be 50 miles away . Medical evacuation insurance covers the cost of transporting you to the nearest medical facility equipped to treat you.

Insurance for personal items

Personal item coverage, also known as baggage and personal effects insurance, protects you in the event your personal items are stolen or damaged while you’re traveling. For example, if an airline employee damages your camera, you may be able to get reimbursed by your insurance provider.

Rental car coverage

Rental car coverage protects you any time you’re using a covered vehicle. Due to poor lighting, Bali’s streets are rather difficult to navigate at night. You may also encounter drivers who refuse to follow local traffic laws.

If you’re in an accident, or if someone vandalizes or steals your rental vehicle, your insurance company will reimburse the rental car agency . The reimbursement is usually limited to the cost of repairs or the value of the vehicle. Note that your travel insurance policy may exclude some vehicle makes and models.

Standard travel insurance doesn’t cover the following:

• Pre-existing medical conditions: If you’re diagnosed with or have symptoms of a health condition before you book your trip, you have what’s known as a pre-existing condition . A standard travel insurance policy won’t cover any expenses arising from this type of condition. However, you may be able to purchase a pre-existing condition waiver.
• Foreseeable events: Travel insurance doesn’t cover events that a reasonable person could have predicted.
• Bad weather: You may not want to sit on the beach while it’s raining, but bad weather isn’t covered unless it results in some type of unforeseeable event.
• Normal pregnancy: If you get pregnant after you purchase your travel insurance policy, your travel insurance won’t cover routine pregnancy expenses . However, it may cover medical expenses arising from an unforeseen pregnancy complication.
• Illegal activities: Travel insurance doesn’t cover expenses arising from illegal drug use or other criminal activities.

Based on our research, the cheapest travel insurance for Bali costs just under $1 per day for basic coverage. Alternatively, we found that a more comprehensive policy will cost around $7 to $11 per day.

To help give you a better idea of how much travel insurance costs for Bali, used our online comparison tool to get quotes from different providers.

We applied this information to our quotes:

• Age: 35 years old
• Destination: Indonesia
• Trip Length: 7 days
• Trip cost: $2,000

The table below shows quotes for basic travel insurance from four different providers. These plans range from less than $1 per day to $6 per day .

Example Where Plan Doesn’t Reimburse the Full Trip Cost

The next table shows quotes from the same four providers. However, these plans are more comprehensive. They include trip cancellation and trip interruption coverage. We found these plans cost between $7 and $11 per day .

Example Where Plan Does Reimburse the Full Trip Cost

Keep in mind that several factors affect the cost of Bali travel insurance, including:

• The total cost of your trip
• The duration of your trip
• What type of coverage you buy

To get the best travel insurance for your needs, consider the following factors:

Transportation method.

If you plan to stay at a resort all week, you may not need to pay for rental car coverage. However, you may need extra insurance if your trip includes multiple common carriers.

Travel preferences.

If you love to climb mountains, explore caves and hike difficult trails, you’ll probably need more insurance than someone who plans to lounge on the beach for their entire vacation.

Date of purchase.

Travel insurance typically costs more if you wait until the last minute to purchase it. To save money, consider purchasing a policy as soon as you finalize your plans.

Is travel insurance mandatory for Indonesia in 2024?

No. You’re not required to purchase travel insurance before you travel to Indonesia.

What documents are required for Bali travel?

To travel to Bali and other parts of Indonesia, you must have a valid U.S. passport and a visa.

Does Bali require COVID insurance?

No. Bali ended the last of its COVID-related restrictions in mid-2023. However, it is still a good idea to make sure you purchase  travel insurance with covid coverage .

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last 5 years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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Home » Southeast Asia » Indonesia » Bali

Guide To Bali Travel Insurance – ALL You Need To Know

Island of the Gods, heaven on Earth for surfers, and a treasure trove of natural wonders. Bali is, quite rightly, one of the most popular destinations in the world. Dripping in spirituality (those 20,000 temples help), the island is also a playground for adrenaline junkies. Oh, and Bali also knows how to put on a damn good party.

It is one of the few places in the world where shoestring backpackers, digital nomads, and luxury honeymooners coexist alongside one another. There is a little something for absolutely everybody and it’s also a great location to kickstart your travels around SE Asia.

Your head is probably spinning thinking about all the awesome things you can do in Bali. We bet you can’t wait to get out there. But, before you do, today’s topic will really break you out in a sweat. This one’s all about travel insurance in Bali!

Buying travel insurance is a hindrance we would  all rather avoid. With these helpful tips and tricks, you can know which insurance company is best for you and your travels, and what kind of policy you need.

Month to month payments, no lock-in contracts, and no itineraries required: that’s the exact kind of insurance digital nomads and long-term traveller types need. Cover yo’ pretty little self while you live the DREAM!

Do I Need Travel Insurance For Bali?

What should travel insurance in bali cover, what is the best bali travel insurance, how to choose the right bali travel insurance for you, final thoughts on bali travel insurance.

As with the rest of Indonesia, travel insurance for Bali is not mandatory. Immigration won’t send you away if you rock up at Bali Ngurah Rai International without it. But all travellers to Bali should put some serious thought into covering themselves with a decent insurance policy.

First up, there is a fair amount of danger lurking beneath those swoon-worthy palm trees. We’re talking about volcanic activity and tsunamis, tropical diseases and rogue monkeys who don’t take too kindly to you not surrendering your jungle trail mix. And then there are the bike crashes – you may be the most competent motorcyclist out there, but all it takes is one drunken tourist on your side of the road to throw a spanner in the works.

It won’t take you long to suss out that Balinese people are among some of the warmest, friendliest and purest in the world. But sadly, theft and petty crimes are common, even in Bali! It’s also worth noting that not all Bali police will help you if you get your bag swiped.

We encourage all travellers to at least consider taking out some travel insurance in Bali. At the end of the day, you just never know what might happen in those rice paddies!

Need more convincing? Check out these other reasons why you should have travel insurance!

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Healthcare in Bali

As tourism has mushroomed, the boost on the economy and infrastructure in Bali has bolstered the healthcare system. Tourists will find many private hospitals with state of the art, international-standard facilities. Most of the doctors are fluent in English, or at least have a strong command of the language. Geographically, the lion’s share of Bali’s premium healthcare is in the south of the island – tourist central. Kuta, Denpasar and Seminyak are where you will find the majority of the large hospitals. Ubud, a popular Bali destination, also is medically well-equipped.

The cost of seeing a doctor in Bali for minor injuries and medical complaints is low in comparison to Western prices. For a consultation with a doctor at a local clinic, you can expect to pay in the region of 500,000+ IDR ($31 USD). Further tests, laboratory costs, treatment fees, and prescription costs will be added to the bill. Expect rates to be higher at tourist-facing hospitals such as BIMC and Siloam . Ultimately, if you require emergency treatment in Bali, medical attention is going to get pricey without insurance or medical coverage.

Check out if your Bali travel insurance policy has a tie-in with a particular hospital or clinic whereby they can bill your insurance provider directly. Otherwise, keep your receipts to be reimbursed.

Crime in Bali

Bali is a peaceful island that is, on the whole, safe for tourists . The region ranked 133rd in a recent survey from Numbeo, with a criminality index of 47.66. Compare this to Caracas, which came top of the crime list with a score of 84.92!

While violent crime is low, sexual assaults and drink spiking are, sadly, all-too-common in Bali. Female travellers need to exercise much more caution, especially when walking alone, or even riding scooters.

The one thing Bali is notorious for is drive-by bag snatches. First-time visitors and digital nomads: you’re very likely to find yourself in the hippy-go-lucky Canggu . When heading out for a night on the Bintang, ensure you hide your money and smartphone! If partying is high on the agenda, all the more reason to consider travel insurance for Bali. Thieves prey on their victims as they leave beachside bars and target pedestrians as well as those driving their own wheels.

In a similar vein, never, ever, leave valuables in your Scoopy while you hit the surf. Lock them away at your hostel and keep essentials on your person. Consider adding valuables insurance to your coverage.

Scams are relatively common. There is a notorious ‘ taxi mafia ’ who block the usage of taxi apps Grab and Gojek (Indonesian Uber!). Tourists have reported ordering a ride and then seeing local drivers violently assault drivers. Basically, as far as crime goes in Bali, you just need to keep your wits about you.

Issues Facing Travellers in Bali

Besides falling in love and never wanting to leave, there are a few other issues facing travellers visiting Bali. These are where your fancy travel insurance can help you out. As a tropical, humid destination, you’re bound to run into Bali’s mosquitos bringing risk of dengue. In extreme cases, this requires a mini-break in a ward.

You’ve also got to stay clear of the monkeys, which can be particularly aggressive in Ubud. Don’t be fooled by those cute little faces!

Meanwhile, two active volcanoes bubble away in Bali – Mount Agung and Mount Batur. Agung is the one you need to keep an eye on; it’s made a few headlines over the past few years by spewing up lava. Indonesia is known for jolting its tourists with earthquakes on an ad hoc basis. Recently a 6.3 magnitude tremor earthquake was reported in Bali.

Both volcanoes and earthquakes can trigger tsunamis. Basically, what we are trying to say, when you are shopping around for the best travel insurance for Bali, you may want to tick that natural disaster box!

If you plan on hopping on a motorbike in Bali, this is where travel insurance is going to sound super sexy. Police reported that Indonesian motor accidents take around 30,000 lives per year! Back in 2015, a total of 1,492 traffic accidents across Bali occurred. More often than not, tourists are involved, and as Go Fund Me testifies, those tourists often don’t have an insurance plan.. Don’t be that person.

We can’t stress the value of travel insurance in Bali enough if you are planning on driving or riding pillion. Also, ensure that you have the correct license and double-check the small print – at least twice. And never ride without rocking a helmet.

Common Activities in Bali

• Surfing – This small island is packed with awesome things to do ! First and foremost, Bali is a surfer’s island. It goes without saying that surfing carries its fair share of risks – and we’re not just referring to how addictive it is. Keeping the watery theme going, Bali is popular with divers and snorkellers. Scuba diving is usually insured to a certain depth, but you’ll need to check the terms on your travel insurance for clarity.
• Yoga – Another popular holiday activity for Bali is ducking into a yoga retreat. You can barely walk through the island for the number of downward dogs and warriors – kinda . Obviously, a yoga holiday in Bali  isn’t too high risk, but if you get a bit too eager with that backbend, well, you might want some cover.
• Driving a motorbike is ubiquitous in Bali. If we didn’t terrify you in the previous passage, it’s something you’ll definitely want to look into. There’s no better way to discover this little slice of tropical heaven (and dodge the selfie sticks).

Not all companies will cover these activities by default, so do browse with care and remember that the cheapest Bali travel insurance might not offer the best protection.

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

As a rule, most travel insurance for Bali will include the following;

Emergency Accident & Sickness Medical Expenses

Baggage and personal property.

• Emergency Evacuation and Repatriation

Non-Medical Emergency Evacuation

Trip cancellation, trip interruption.

These are key terms to look out for when comparing insurance policies.

Let’s take a closer look at what each one of these actually means.

The headline for most travel insurance policies is emergency medical costs. If you are in a car crash or come down with meningitis, you want to rest easy knowing that any ensuing medical costs will be taken care of.

In case you have never seen a medical bill, let us assure you that they CAN be expensive. A member of our team once racked up costs of $10,000 in Costa Rica and then a nasty infection in Thailand cost him $2,000.00 for just 2 days in the hospital. Ouch.

Pre-existing medical and health conditions may not be covered or may come at an additional premium.

Ideally, Emergency Accident & Sickness Medical insurance should offer at least $100,000.00 of coverage.

Baggage and Personal Stuff coverage covers the value of your personal property. It’s most common application is for lost luggage and many policies also extend this to cover “on the ground” theft.

The limits on this vary between policies but rarely exceed $1000 with a maximum item value between usually up to $500.

This is fine for many travellers but if you travel with a lot of electrical gear (laptop & camera), you may also wish to think about taking out a separate gadget cover.

We’ve tested countless backpacks over the years, but there’s one that has always been the best and remains the best buy for adventurers: the broke backpacker-approved Osprey Aether and Ariel series.

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Emergency MedicalEvacuation and Repatriation

Emergency medical evacuation covers the cost of sending you back to your home country in a sickbed. Let’s say that the above-mentioned car crash is a nasty one and the decision is taken to send you home for further treatment; this will take care of the high, associated costs.

Repatriation is the cost of sending your earthly remains home in the tragic event you die overseas. The costs of this are generally huge, and it is not a burden I would want to leave to my family. Whilst this is rare, every now and then I do come across a Facebook or “Go Fund Me” page for somebody’s body to be flown home.

Non-medical Emergency Evacuation is when you have to be evacuated from your destination because of some unexpected crisis. Classic examples are outbreaks of war/civil unrest and earthquakes that decimate infrastructure. In recent times, the Corona COVID-19 outbreak created the biggest international emergency evacuation situation ever. (FYI – it straddled both the medical and non-medical evacuation boundaries).

Emergency evac insurance covers the costs of having to book a last-minute flight ( which can be expensive) and will also cover accommodation costs if you end up being flown to a random, “safe” country rather than going straight home.

Being forced to cancel a trip you were looking forward to sucks. But being left out of pocket just rubs salt into that festering wound. Trip Cancellation cover can help you recover non-refundable costs such as booked flights and hotel costs.

Note that you can’t claim under this simply because you changed your mind or broke up with your boyfriend. Acceptable cancellation reasons are things like sickness, family emergencies, bereavement, natural disaster, pandemics and war – you get the gist.

Trip Interruption is when something goes wrong with a part of your trip leaving you out of pocket. For example, when your hotel burns down and you are forced to book another one. Or when your flight home is canceled and you need a few extra nights at your hotel. These are just a few examples of when you may need to reply on trip interruption.

Anything Else?

The above is what we consider to be the basic, bare-bones of travel insurance. However, some policies do offer a few more aspects and the best Bali travel insurances may also offer the following;

Adventure Sports and Activities

Note that some travel insurance options do not cover adventure sports and activities. The definition of adventure sports and activities does vary between providers but for example, can include;

• Paragliding
• Soccer practice….

If you are even considering doing anything physical or outdoorsy on your trip, it is wise to check that your insurance provider is covering it. Broken ankles hurt enough without having a $5k Doctors bill attached to them.

Accidental Death and Dismemberment

This one doesn’t cover any travel-related expenses but instead it basically provides you, or your family with some compensation in the event that something awful happens to you. If you die, your loved ones get a payout. Or, if you lose a finger or something, YOU get a payout.

It’s like having a bit of life cover attached to your travel insurance. I know that not everybody is altogether comfortable with the concept of pay-outs for life & limb – I guess it kind of goes something like this;

“Well dear, I’m afraid there is good new and bad news. The bad news is that our beloved son little Jimmy died on his trip to Bali. The good news is that we get $10k! Bali here WE come!”

Gear and Electronics Cover

Some insurance policies cover electronic gadgets, and some don’t. Those that do, may charge an additional fee, and they generally limit the maximum item value. If you only travel with a phone or tablet, your travel insurer may well cover it entirely. On the other hand, if you are traveling with a decent laptop then you may wish to consider obtaining gadget cover.

I have personally had gadget cover on my MacBook Pro for years.

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It is fair to say that not all insurers are created equal. Some offer lower prices than others, and others offer more comprehensive cover. Some are notorious for shirking cover, whilst others are applauded for their excellent customer service .

Travel insurers are all the same yet always different, and it is absolutely not the case that anyone of them is the best, or is “better” than the others. Insurance is a complex product which takes into account a whole lot of data and a wide set of variables. The “best” travel insurance always depends on where you are going, when you are going there and ultimately upon you and your needs.

Below, we will introduce a few of the many travel insurance providers on offer. These are firms we have used ourselves over the years.

SafetyWing is a very interesting travel insurance company. They specialise in covering digital nomads and offer open-ended cover on a monthly subscription basis. Note that because they are primarily covering digital nomads, they don’t offer much in the way of trip cancellation or delay.

They do however excel on health insurance, covering dental and some complimentary treatments, and they even allow young children to be covered for free. If cancellation and delay is not a concern for you, or you will be spending some considerable time on your trip, then maybe SafetyWing are right for you.

• Emergency Accident & Sickness Medical Expenses – $250,000
• Baggage and Personal Property – $3000
• Emergency Evacuation and Repatriation – $100,000
• Non-Medical Emergency Evacuation – $10,000
• Trip Cancellation -$0
• Trip Interruption – $5000

If you need more information or want to get a quote, then you can visit the website for yourself.

Talk about efficient and effective, Heymondo are up-to-date when it comes to combining travel insurance with technology in the digital world of 2022. What truly sets them apart is their assistance app offering a 24-hour medical chat, free emergency assistance calls and incident management. How reassuring is that?! They also have a convenient and complication-free way to make a claim straight from your phone.

Medical expenses are covered up to $10,000,000 USD so try not to damage yourself anything over that amount… If you’d like travel insurance that operates with that little extra swiftness and ease, give these guys a go. They offer multiple options – single trip, annual multi-trip and long stay. We’ve focused on single trip, but do check out the others and find what fits your next adventure.

• Emergency Accident & Sickness Medical/Dental Expenses –$10,000,000 USD
• Baggage and Personal Property – $2,500 USD
• Repatriation and Early Return – $500,000 USD
• Non-Medical Emergency Evacuation – $10,000 USD
• Trip Cancellation – $7,000 USD
• Trip Disruption – $1,500 USD
• Covid 19 coverage included in all plans

If you need more convincing, click the link below to get 5% off your Heymondo travel insurance plan!

World Nomads

World Nomads have been supporting and encouraging travellers to explore their boundaries since 2002. Designed by travellers for travellers, they offer simple and flexible travel insurance covering multiple countries and a lot of adventure activities.

If you leave home without travel insurance or your policy runs out, you can buy or extend while on the road.

World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.

Columbus Direct

Named after one of history’s greatest (and most divisive explorers), Columbus Direct also specialise in insuring adventure-hungry explorers like us. They have been providing award-winning insurance for 30 years. What we like about this plan is that it does cover small amounts of personal cash. However, Gadget Cover is not available.

Columbus Direct actually offers a number of different travel insurance plans. Below we have focused on 1 of these, and have set out the coverage amounts for the Globetrotter plan.

• Emergency Accident & Sickness Medical Expenses – $1,000,000
• Baggage and Personal Property – $750
• Emergency Evacuation and Repatriation – $1,000,000
• Non-Medical Emergency Evacuation – $0
• Trip Cancellation -$1,000
• Trip Interruption  (“Catastrophe”) – $750

Iati Seguros

Iati Seguros is a Spanish based travel insurance company who we have personally used and loved. You will notice that they provide competitive cover amounts for the key travel insurance areas, and are competitively priced. So far we have heard nothing but good things about them.

They also offer multiple options, but we have focused on the Standard Plan. Although, we wholly encourage checking out all plans for yourself to identify the best one for your needs.

• Emergency Accident & Sickness Medical Expenses – $200,000
• Baggage and Personal Property – $1000
• Emergency Evacuation and Repatriation – 100% of cost
• Trip Cancellation -$1,500
• Trip Interruption  – 100% of cost

Insure My Equipment

Insuremyequipment.com is an online insurer for expensive equipment (like camera gear). You can get specific pieces of gear insured so you know exactly what will be covered. Note that this policy is for your gear only!

An Insure My Equipment policy works well in combination with other travel insurance. Insure My Equipment policies are an excellent choice for professionals and backpackers with more than $3000-$4000 worth of camera equipment or expensive laptops.

Choosing the right travel insurance for your Bali holiday is like choosing underwear, only you know what feels good. You need to work out how much your trip is worth, how much equipment you plan to take and what activities you intend to engage in.

And of course, you need to ask yourself how much can you afford – how much you can afford to pay for cover, and how much you can afford to be out of pocket in the unlikely event of a claim.

Sometimes, the cheapest Bali travel insurance will be enough, and sometimes it will be worth spending a bit more. Hopefully, the information provided in this post will help you to decide – if not, then I just wasted 5 hours of my life in writing it!

Is Bali Safe? Bali Backpacking Guide

Is Bali Expensive? Where To Stay in Bali

There you have it – your guide to travel insurance for visitors to Bali in a nutshell. Well done for persevering; you’ve earned yourself your first Bintang at Old Man’s!

Now that’s done and dusted, don’t forget that Bali is one of only 17,000+ islands in the breathtaking nation of Indonesia. We’ve written heaps of insider guides to Bali and its neighbouring islands, including where to stay in Bali and the best things to do in Bali. Off you go to plan your legendary trip!

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Aiden Freeborn

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Bali Holiday Secrets

Best Travel Insurance for Bali

updated October 8, 2022, 5:32 pm 34.7k Views 2 Comments

I’ve been travelling almost constantly for over 30 years, and if there is one thing I am grateful for it’s comprehensive travel insurance. I’ve used several different companies and a range of policies and the best travel insurance for Bali , in my experience, is Global Nomads. I’ve used their policies for the past 5 years and after making several stress-free claims I’m convinced it’s the best policy on the market.

Is travel insurance worth it?

There’s a saying “if you can’t afford travel insurance then you can’t afford to travel”. It’s true. I’ve had friends and fellow travellers regale me with stories of thinking medical treatment is cheap, especially in a place like Bali, when they strike medical issues.

I can tell you from first-hand, hard-earned experience that travelling without insurance is like playing Russian Roulette. You probably won’t need it , but if something goes wrong having it means being able to access the insurer’s global network of expert assistance and health providers 24 hours a day.

Buy travel insurance online.

There are many insurance policies you can buy online, but to my knowledge Global Nomads is one of the only (if not the only) company where I can buy online even when travelling while away from my home country.

Most insurance providers will only allow purchasing a policy from within your home country , which isn’t much use when your travel plans change or you are travelling for an extended period of time.

You can complete any claims simply and easily online from wherever you are and Global Nomads policies are available to people from over 130 countries. It’s designed for travellers with cover for overseas medical, evacuation, baggage and more.

Buy coverage for only the countries you are travelling to.

One of the best features is being able to buy coverage for the specific countries you are travelling to. This is a huge feature as the premiums will change significantly if you apply for a select set of countries, as opposed to buying blanket coverage, which by definition will be more expensive.

Flexible coverage for changes on the go.

One of the other features I really like is the ability to update my policy while on the go to account for a change in itinerary and include more countries should my travel aspirations get bigger – which they often do 🙂

Insure for adventure activities.

From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, WorldNomads.com covers a range of adventure activities, giving you peace of mind to get the most from your travels.

Get an instant quote.

Another thing about travel insurance for Bali or elsewhere is that Global Nomads only needs your intended list of countries, home country, travel dates and age. That’s it. Use this quote form to generate an instant quote for your holiday.

Cheaper than airlines.

You will most likely have seen the checkbox while booking airfares with your airline selling travel insurance. This is a great earner for the airlines, and by definition is more expensive than buying directly because they make a margin on the sale of your policy.

© 2024 Bali Holiday Secrets. Hosted with Cloudways .

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Travel Insurance for Bali (2024)

Protect your vacation to Bali with a travel insurance plan that covers unexpected medical and cancellation expenses

in under 2 minutes

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Sabrina Lopez is an editor with over six years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she is not working on articles to help consumers make informed decisions, Sabrina enjoys creative writing and spending time with her family and their two parrots.

When planning a trip to Indonesia for beaches, adventure sports and Balinese cultural excursions, it’s wise to have a safety net for peace of mind. Travel insurance can help protect your investment in case of the unexpected.

When you find the right travel insurance plan for you, you can relax knowing you’ll receive reimbursement for some or all of your prepaid trip costs. Below, we at the Marketwatch Guides Team discuss the best travel insurance for Bali vacations, including the costs involved and specific requirements.

How Much Does Bali Travel Insurance Cost?

The cost of travel insurance largely depends on your personal preferences and age. Other factors to consider include pre-existing medical conditions for appropriate medical insurance. Plan options may consist of useful single-trip and annual multi-trip policies.

For a Bali travel insurance quote, you’ll need to provide the below information on insurance provider sites:

• Number of travelers and ages of each traveler
• Destination country and location
• Home country and location
• Total trip price

For cheap travel insurance options , we requested quotes from five top insurance providers to give you an idea of costs. The quotes below are for a 40-year-old traveler from California traveling to Bali from Sept. 1 to Sept. 14. With accommodation and flights, the total trip cost is $4,000.

The quotes listed to determine the cost of travel insurance were collected from each company’s website in May 2023. In general, standard plans for international travel insurance to Bali include coverage for trip cancellation and interruption, emergency medical and transportation and baggage loss or delay.

Compare The Best Bali Travel Insurance Companies

Use the table below to compare CFAR coverage, average costs and COVID-19 coverage of our top recommended travel insurance companies for a trip to Bali:

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Bali?

It’s not mandatory to buy travel insurance for a vacation in Bali. However, whether you’re traveling to Indonesia for business or pleasure, comprehensive travel insurance is recommended. If you require medical care in Bali, up-front costs can be expensive without medical coverage. In the case of trip interruptions or trip cancellations, insurance helps protect you from financial loss.

From exploring rice fields in Ubud to riding a scooter around Denpasar and rafting the Agung River, adventure activities are popular in Bali. A travel insurance policy with coverage for unexpected injuries is a good idea if you intend to participate.

Cancel for Any Reason Coverage (CFAR)

Travel insurance companies offer cancellation coverage with standard policies. However, you’re limited with regard to your reasons for canceling. Typically, they include the death of a family member, hospitalization or similar medical emergencies.

Cancel for any reason coverage , otherwise known as CFAR, is a policy upgrade that allows you to remain flexible and cancel travel plans at your discretion. For example, in the case of the pandemic and different requirements for COVID-19 coverage, CFAR allowed for a wide range of changing circumstances.

It’s important to note that CFAR is subject to disclaimers and restrictions. For example, to reimburse a trip cost, you may need to cancel within 48 or 72 hours of a departure or travel delay.

Gear Theft Protection

Whether you’re surfing in Kuta or scuba diving on a boat trip from Seminyak, gear theft protection is useful when you’re taking equipment with you. This may include valuables such as:

• Professional cameras
• Surfboards or snorkeling and scuba diving gear

Travel insurance coverage helps with the financial loss of items that are damaged, stolen or lost by airlines and tour operators. Generally, your insurance provider reimburses costs up to a predetermined limit. Check if exclusions apply and leave valuable items in your home country if they’re not fully covered.

Medical Emergency Insurance and Emergency Medical Evacuation

The health care system in Bali accommodates tourists with international standards of health care at hospitals and medical treatment centers. Typical health concerns in Bali range from an upset stomach due to new foods to accidents on motorbikes. Therefore, it’s important to have insurance to cover unexpected medical costs.

In the unfortunate case of accidents and illness, travel insurance for medical emergencies generally includes the following:

• Hospital fees, such as operating room charges
• Emergency dental work

Most health insurance plans include emergency medical evacuation and repatriation if local medical care isn’t available or you need to fly back to your home country. If you’re doing adventure sports or riding scooters, check if your plan covers associated accidents.

Rental Car Protection

To rent a car in Bali, you need an International Drivers Permit and a valid license from your home country. It’s important to get a rental vehicle from a trusted company to ensure third-party insurance is included. Optional coverage is recommended to limit your liabilities while driving around the island.

Coverage may vary depending on the insurance provider. As a general rule, the following is offered by rental car companies:

• Collision damage waiver
• Windshield protection
• Roadside assistance
• Theft protection

Most Bali travel insurance plans include rental vehicle excess cover on top of insurance from car rental companies. This helps reimburse the costs of excess paid for stolen or damaged cars.

Trip Cancellation Insurance

If you cancel your Bali vacation before departure, standard travel insurance policies cover trip cancellations for a limited number of reasons. Typically, known and ongoing natural disasters, such as volcanic eruptions, are not covered.

Choose CFAR coverage to remain flexible for changing travel plans. As a general rule, accepted reasons for trip cancellations include:

• Death of family members
• Hospitalization or serious illness
• Severe weather conditions preventing departure
• Jury or military duty

How Do I Get Travel Insurance for Bali?

When planning a trip to Bali, find out if your credit card or current health insurance provider offers travel insurance. If so, check the policies to ensure appropriate coverage for the type of vacation you’re expecting. It’s also possible to purchase Bali travel insurance directly through your airline.

Otherwise, the best advice is to shop around and compare prices between providers. Choose the best travel insurance to suit your personal needs.

Bali Safety Tips

Below are general travel and safety tips to help you enjoy peace of mind during your Bali vacation.

Crime and Safety

According to the U.S. Department of State , the Indonesian Travel Advisory is at Level 2: Exercise Increased Caution. However, Bali isn’t mentioned in areas of increased crime risk or terrorist activities.

Petty crimes, such as pickpocketing and drink spiking, may occur in Bali. It’s advised to stay alert in crowded areas, nightclubs and bars. Indonesia is also susceptible to natural disasters such as volcano eruptions, tsunamis and floods.

Day Trips, Tours and Excursions

From scuba diving to hiking and island-hopping, Bali offers a range of exciting tours and day trips. Travel insurance helps protect you financially during accidents and travel plan changes.

Always ensure tours are booked with reputable organizations. Seek advice from travel agents and hotel concierges. Visit the official website of the Ministry of Tourism , Republic of Indonesia for travel advice.

According to the Indonesian Embassy as of May 2023, all travelers over 18 must show a physical or digital vaccination certificate for the second dose of a COVID-19 vaccine. On arrival, travelers must comply with Indonesian health protocols which may include a temperature check or PCR test.

Is Travel Insurance for Bali Worth It?

Though travel insurance isn’t mandatory for visiting Bali, it’s recommended to protect against financial loss due to cancellation, and to cover unexpected medical emergencies.

To decide if travel insurance is worth it , take into account pre-existing medical conditions and the activities you’re likely to do on vacation. Even if you’re not riding scooters or doing adventure sports, accidents can occur. We recommend getting quotes from at least three providers to find the best deal for your travel insurance plan.

Frequently Asked Questions About Travel Insurance in Bali

Can i claim flight compensation.

Travel insurance with trip cancellation or interruption ensures that you can claim compensation for a delayed or canceled fight . Otherwise, compensation is at the discretion of airlines and may not be applicable in many circumstances.

Is travel insurance necessary for Bali?

It’s not mandatory to buy travel insurance for a Bali vacation. However, it’s recommended to get comprehensive travel insurance before you leave to cover unexpected medical costs. Otherwise, medical care may result in paying thousands of dollars up-front.

What documents are required for Bali travel?

According to the U.S Department of State, travelers to Bali require a passport valid for six months with at least two blank pages. You’ll buy a visa on arrival for approximately $35.

Travelers over the age of 18 must show proof of two doses of COVID-19 vaccination.

How much does travel insurance typically cost?

Travel insurance rates vary depending on the plan purchased, the destination and your age. As a general estimate, basic plans start from about $100 and can be as high as $500 for premium international travel insurance.

How We Rated Travel Insurance Companies for Bali

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

More Travel Insurance Resources

Choosing the Best Travel Insurance to Bali

by Jeff The Chilled Nomad

Introduction

Are you planning your dream trip to Bali and looking for the best travel insurance? You’re not alone; with  shifting safety guidelines  due to Covid-19, visitors are now required to have health coverage of at least $25,000.

This comprehensive guide goes beyond simply listing policy providers – we’ll delve into what factors require  careful consideration  when  choosing the right protection  for your  Bali adventure .

Page Contents

Ready to dive in?.

Key Takeaways

• SafetyWing’s Nomad Insurance plan  is highly recommended for Bali travel due to its  comprehensive coverage for trip cancellation, medical emergencies, and adventure sports activities .
• Visitors to Bali must have proof of health insurance with a minimum coverage of $25,000 specifically for Covid-related medical expenses.
• Other reputable travel insurance options for Bali include  Heymondo ,  World Nomads ,  Allianz Travel Insurance , and  Travelex Travel Insurance . Each option offers  various levels of coverage for different needs and preferences .

Factors To Consider When Choosing Travel Insurance For Bali

When choosing travel insurance for Bali, consider factors such as coverage for trip cancellation and interruption, medical coverage and emergency evacuation, baggage loss or delay, adventure sports coverage, and specific requirements for activities like volcano hiking or motorbike accidents.

Coverage For Trip Cancellation And Interruption

Travelling to Bali comes with its share of uncertainties. As a digital nomad or remote worker, you may need to cancel your trip abruptly due to work commitments or face interruptions during your stay.

This is where the coverage for  trip cancellation and interruption  becomes crucial in your travel insurance plan.  SafetyWing Nomad Insurance , highly recommended for Bali travel, provides excellent  coverage for trip cancellations and interruptions , covering unexpected costs that could arise from sudden changes in plans.

Opting for this benefit ensures that financial losses are minimised if  unforeseen situations force changes to your itinerary  during your sojourn on the Indonesian island.

Medical Coverage And Emergency Evacuation

Medical coverage  and  emergency evacuation  are crucial factors to consider when choosing travel insurance for Bali. As a digital nomad or remote worker, it’s important to have peace of mind knowing that you will be taken care of in case of any medical emergencies during your trip.

SafetyWing’s Nomad Insurance plan  is highly recommended for Bali travel as it offers comprehensive worldwide coverage, including medical expenses.

In addition, it’s worth noting that visitors to Bali must have  proof of health insurance  with a minimum coverage of $25,000 specifically for Covid-related medical expenses. This requirement ensures that you are protected in case you need medical treatment due to the ongoing pandemic.

Having adequate medical coverage also includes emergency evacuation, which can be extremely expensive without insurance. In the event of a serious injury or illness where local medical facilities may not be able to provide the necessary care, emergency evacuation ensures that you will be transported safely and efficiently to a suitable facility for treatment.

Bali, Indonesia

Coverage For Baggage Loss Or Delay

One important factor to consider when choosing travel insurance for Bali is  coverage for baggage loss or delay . We all know that lost or delayed luggage can be a major inconvenience, and it’s always better to be prepared.

Look for a travel insurance plan that offers comprehensive coverage for these situations, ensuring that you will be reimbursed for any essential items you need to purchase in the event of lost luggage or compensation for the inconvenience caused by delayed baggage.

SafetyWing’s Nomad Insurance plan , which is highly recommended for Bali travel, includes coverage for baggage loss or delay, providing peace of mind during your trip. With this coverage in place, you can relax knowing that even if an unfortunate incident occurs with your luggage, you’ll have the financial support to get through it smoothly and enjoy your time on this beautiful Indonesian island without worry.

Adventure Sports Coverage

If you’re an adventurous soul planning a trip to Bali, it’s important to consider travel insurance that covers adventure sports. Bali offers a plethora of exciting activities such as  surfing, scuba diving, volcano hiking, and motorbike adventures .

SafetyWing is a highly recommended travel insurance option for these types of activities. Their Nomad Insurance plan provides  comprehensive coverage for emergency medical expenses  worldwide, including  injuries sustained during adventure sports .

With SafetyWing by your side, you can explore the adrenaline-pumping activities in Bali with peace of mind knowing that you have the right coverage if anything goes wrong. Stay protected and enjoy your thrilling experiences in paradise!

Specific Requirements For Bali, Such As Coverage For Volcano Hiking Or Motorbike Accidents

When traveling to Bali, it’s important to consider the specific requirements for the destination. One of the unique activities that visitors often engage in is volcano hiking. While it can be an exhilarating experience, it also comes with risks.

Therefore, when choosing travel insurance for Bali, make sure it includes coverage for any accidents or injuries that may occur during volcano hikes. Additionally, as  motorbike rentals  are a popular mode of transportation in Bali,  coverage for motorbike accidents  should also be considered.

These specific requirements ensure that you are adequately protected during your adventurous pursuits on the island.

Bali’s natural beauty and thrilling activities attract many digital nomads and remote workers who seek a different work-life balance. However, it’s essential to have proper travel insurance that covers these specific requirements to enjoy peace of mind while indulging in volcano hiking or riding motorbikes around the island.

Top Travel Insurance Options For Bali

Here are the top travel insurance options for Bali:  SafetyWing, Heymondo, World Nomads, Allianz Travel Insurance, and Travelex Travel Insurance .

SafetyWing is the  go-to travel insurance option  for digital nomads and remote workers heading to Bali. With its  Nomad Insurance plan , SafetyWing offers  comprehensive worldwide coverage  for all medical emergencies, ensuring that you’re protected no matter where your travels take you.

Not only does SafetyWing provide robust health insurance coverage, but it also meets the specific requirements for Bali travel. For instance, visitors to Bali must have  proof of health insurance  with a minimum coverage of $25,000 for Covid-related medical expenses, and SafetyWing ensures that you meet this requirement.

As one of the most trusted names in the industry, SafetyWing takes care of your well-being so that you can focus on enjoying all that Bali has to offer without worrying about any unexpected medical expenses or emergencies along the way.

Heymondo is a travel insurance provider  that offers comprehensive coverage for Bali. With their flexible plans, digital nomads and remote workers can find the right level of protection for their trip.

Heymondo provides coverage for medical emergencies, including COVID-related expenses, ensuring you’re financially protected if you need medical treatment while in Bali. They also offer options for trip cancellation and interruption, baggage loss or delay, as well as adventure sports coverage if you plan on participating in activities like volcano hiking or motorbike riding in Bali.

Heymondo understands the unique needs of travelers to Bali and provides tailored coverage to give you peace of mind during your trip.

World Nomads

World Nomads is a  popular choice among digital nomads and remote workers  for Bali travel insurance, especially for those traveling from the USA. With their  comprehensive coverage options , World Nomads ensures that you stay protected during your trip to Bali.

They offer benefits like  trip cancellation and interruption coverage ,  medical coverage for emergencies , protection against lost or delayed baggage, and even  coverage for adventure sports activities .

Whether you’re planning to go volcano hiking or exploring Bali on a motorbike, World Nomads can provide the specific requirements needed for your adventurous journey. When it comes to finding reliable and trusted travel insurance for Bali, many travelers turn to World Nomads as their go-to option.

Allianz Travel Insurance

Allianz Travel Insurance is a well-known and trusted insurance company that many digital nomads and remote workers prefer when traveling to Bali. With their  comprehensive coverage options , Allianz provides peace of mind during your trip by offering  protection against unexpected events  such as trip cancellation or interruption, medical emergencies, and lost or delayed baggage.

Their plans also include  coverage for adventure sports activities , which is perfect for those looking to explore the adventurous side of Bali.

If you’re concerned about Covid-related expenses, Allianz offers travel insurance plans that may provide coverage for medical expenses related to the virus. This is especially important as visitors to Bali are required to have proof of health insurance with a minimum coverage of $25,000 for Covid-related medical expenses.

When it comes to choosing the right travel insurance for your trip to Bali, Allianz Travel Insurance stands out as a reliable option with their extensive coverage and  reputable name in the industry .

Travelex Travel Insurance

Travelex Travel Insurance is a reputable option for those planning a trip to Bali. With its range of  comprehensive coverage options , Travelex can offer peace of mind to digital nomads and remote workers exploring the island paradise.

Their travel insurance plans typically include benefits such as  trip cancellation and interruption coverage ,  emergency medical expenses ,  baggage loss or delay protection , and even coverage for adventure sports activities.

While it’s important to check specific requirements for Bali, Travelex can provide the necessary protection against unexpected incidents during your travels. Remember that having  adequate travel insurance is highly recommended  to ensure a worry-free journey to Bali.

How To Buy Travel Insurance For Bali

To buy travel insurance for Bali, first determine your coverage needs, then research and compare different insurance providers. Read and understand the policy terms and conditions before purchasing the policy that best meets your needs.

Determine Your Coverage Needs

To ensure you choose the right travel insurance for your trip to Bali, it’s essential to determine your  coverage needs . Consider factors such as the  duration of your stay , the  activities you plan to engage in , and any  specific requirements for Bali .

For example,  SafetyWing  is highly recommended for Bali travel due to its  comprehensive Nomad Insurance plan  that offers worldwide coverage during medical emergencies.

Moreover, visitors to Bali must have proof of health insurance with a minimum coverage of $25,000 for Covid-related medical expenses. By assessing your coverage needs beforehand and understanding the specific requirements, you can select an insurance policy that provides adequate protection and peace of mind throughout your journey in Bali.

Research And Compare Different Insurance Providers

To find the best travel insurance for your trip to Bali, it’s important to take the time to  research and compare different insurance providers . Look for  insurance companies that specialize in travel coverage  and have  experience with international destinations  like Bali.

Start by checking out popular options such as  SafetyWing, Heymondo, World Nomads, Allianz Travel Insurance, and Travelex Travel Insurance .

When comparing providers, consider factors such as  coverage options, policy limits, deductibles, and customer reviews . Take note of specific features that are important for your trip to Bali, such as  coverage for adventure sports  or specific requirements like volcano hiking or motorbike accidents.

Remember that COVID-19 has added an extra layer of concern when it comes to travel insurance. Look for a provider that offers  coverage specifically related to COVID-19 medical expenses  if you want additional peace of mind during these uncertain times.

Read And Understand The Policy Terms And Conditions

Before purchasing travel insurance for your trip to Bali, it is crucial to carefully read and understand the  policy terms and conditions . This step ensures that you have a clear understanding of what is covered and any limitations or exclusions that may apply.

Pay attention to important details such as  coverage limits ,  deductibles , and any  specific requirements for activities or destinations  in Bali.

For example, SafetyWing’s Nomad Insurance plan offers worldwide coverage in all medical emergencies, making it an attractive option for digital nomads and remote workers traveling to Bali. Additionally, visitors to Bali must have  proof of health insurance  with a minimum coverage of $25,000 for Covid-related medical expenses.

By taking the time to review the policy terms and conditions thoroughly, you can make an informed decision about which travel insurance plan best meets your needs. This ensures that you are adequately protected against potential risks during your journey to beautiful Bali.

Purchase The Policy That Best Meets Your Needs

To ensure a worry-free trip to Bali, it is crucial to purchase the travel insurance policy that best meets your needs. With a plethora of options available, it’s important to consider factors such as  coverage for trip cancellation and interruption ,  medical coverage and emergency evacuation ,  baggage loss or delay protection , and  adventure sports coverage .

Specific requirements for Bali should also be taken into account, including coverage for activities like volcano hiking or motorbike accidents.

One highly recommended option is  SafetyWing’s Nomad Insurance plan . Not only does it offer worldwide coverage in all medical emergencies but it also provides comprehensive protection for unexpected events during your trip.

Additionally, visitors to Bali must have proof of health insurance with a minimum coverage of $25,000 for Covid-related expenses.

Other popular choices among travelers include Heymondo and World Nomads. Whether you’re a digital nomad or remote worker visiting from overseas or an expat looking for reliable insurance options in Bali, these companies offer varying levels of coverage tailored to your specific needs.

When purchasing your policy, take the time to determine your exact coverage requirements based on the activities you plan to engage in during your stay in Bali. Research and compare different insurance providers to find the most suitable one that aligns with both your budget and desired level of protection.

Understanding the policy’s terms and conditions is essential before making any final decisions. Carefully reviewing the details will help ensure that you fully understand what is covered – whether it’s delayed flights, lost baggage or unexpected medical emergencies – allowing you to make an informed choice.

In conclusion, when it comes to finding the best travel insurance for your trip to Bali,  SafetyWing’s Nomad Insurance plan  stands out as a top choice. With  comprehensive coverage for medical emergencies worldwide  and  specific options for adventure sports and activities in Bali , SafetyWing provides the peace of mind you need while exploring this beautiful destination.

Remember to check the  specific requirements for Bali  and consider factors such as  COVID coverage  and  additional benefits  before making your decision. Stay protected and enjoy your worry-free journey to Bali!

1. What factors should I consider when choosing the best travel insurance for Bali?

When selecting travel insurance for Bali, it’s important to consider coverage for medical emergencies, trip cancellations or disruptions, lost or stolen belongings, and personal liability. Additionally, make sure the policy covers activities you plan to participate in while in Bali.

2. Are pre-existing medical conditions covered by travel insurance for Bali?

Coverage of pre-existing medical conditions can vary among different insurers. It’s crucial to review the policy details and speak with the insurer directly to understand if your specific condition will be covered.

3. How much does travel insurance for Bali cost?

The cost of travel insurance for Bali depends on various factors such as trip duration, traveler age, coverage limits, and desired add-ons. It’s recommended to compare quotes from multiple insurers to find a policy that suits your needs and budget.

4. Can I purchase travel insurance after booking my trip to Bali?

Yes, you can usually purchase travel insurance even after booking your trip to Bali. However, it is advisable to acquire coverage as soon as possible after making bookings since some policies may have waiting periods before certain benefits become effective (e.g., trip cancellation).

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The Best Bali Travel Insurance Policies: The Guide for 2024

Going on a Bali swing? You need travel insurance…

Short on time? Just want to get to the bottom line?

We created this article to be one of the most comprehensive on the web, so it’s long. Stick with us—the advice is comprehensive.

But if you know you need insurance and just want to get it sorted, then...

Click through now for a free quote:

Overall Best Choice : Heymondo ( save 5% with this link!)

Best Single / Adventure / Digital Nomads : Heymondo

Best Family : Heymondo

Best Budget : SafetyWing (but also get a quote from Heymondo just to compare and be fully informed)

Best for comparing multiple policies : Travel Insurance Master

Table of Contents Show

Best Bali Travel Insurance: Introduction

Buying Bali travel insurance might seem like a daunting process. Or just boring.

However, by the end of this article, you will know exactly which why insurance for Bali is so important, what policy inclusions you need and where to get Bali travel insurance sorted in a few clicks.

Bali travel insurance is an essential part of your trip (like that other essential, the Bali Visa ) as it will protect you from hideous expenses and give you the peace of mind of a team of people who are behind you should an emergency arise.

Will you need it?

A study by the Australian Government's Smartraveller found that 1 in 4 travellers claimed on their travel insurance in the 2018-19 year (before COVID stopped travel) - that's over 300,000 claims and 90% were paid out. Wow.

Bali Travel Tips

Protecting Your Digital Identity in Bali

Do we benefit by telling you that you need Bali travel insurance?

Bali without insurance? Monkey business!

We are not recommending you get travel insurance just because we might benefit if you support our work by following a link in this article (but thank you!).

All the consumer and government advice worldwide agrees that everyone going overseas to a place like Bali should consider travel insurance a must-have , and you can get it from your travel agent, online, or through your airline (the most expensive ways), or you can go online or use our recommendation (and that helps us create more content).

For anyone who has had an accident on the island of the gods, or fallen ill, the lack of Bali travel insurance can be truly devastating. And the truth is, medical care on the islands is expensive, and if the illness is serious, they simply don't have the facilities to care for you there, and you will need to be evacuated, and the bill for that will be astronomical.

Is travel insurance mandatory for Bali and Lombok?

No jacket, short pants, just flip flops? We hope he has travel insurance.

It is not mandatory to have travel insurance to enter Indonesia, including Bali and Lombok.

However, it is highly recommended to purchase travel insurance when travelling through the country as a medical expense bill can be devastating :

- A small injury involving a few stitches could easily cost you $2,000.

- A medivac from Bali to Australia can cost between $30,000 and $40,000 depending on the medical facility.

- A Bali travel insurance policy for 7 days is likely to cost less than $50 dollars .

The comfort of having a travel insurance help desk 24/7 on the end of the phone will be reassuring if you have an emergency. They will have your back.

What kind of travel insurance do you need for Bali, Ubud, Lombok?

To decide the level of coverage you need, it helps to understand the risks so you can ensure these are included in your policy and also not pay for coverage you do not need.

What are the common sickness and health issues in Bali?

The islands hold a range of health risks due to its tropical climate, poor infrastructure, wild roads and the fact tourists are seen as the financial solution to any accident (you will be blamed, regardless of the truth).

Sure, there are the obvious like motorcycle accidents, surfing accidents and general travel accidents, but even an infected coral cut, bite in a monkey forest, walking the uneven, pot-holed streets or slipping down a waterfall pathway are obvious risks. It is also important to be aware of the risk of food poisoning and bacterial infections caused by contaminated water and foods.

Should you worry about Malaria and Dengue Fever in Bali?

Malaria is present in rural parts of the islands, and travellers should be vigilant about taking precautions to avoid mosquito bites. Dengue Fever is another health concern for travellers to Bali. There is no treatment or vaccination for Dengue Fever, so travelers are at risk of catching it and eventually developing severe symptoms.

Is Bali healthcare expensive?

When it’s a medical emergency, you want travel insurance to pick up the bill, not you.

Hospitals in Bali are generally much more expensive for tourists compared to locals (and medical is not free in Indonesia, even for locals). The quality of medical cover and healthcare can be quite basic, particularly if you're seeking advanced treatment or surgery. This is why you should always travel with health cover that covers medical evacuation and coverage for treatment costs. Understand that the majority of travellers do have Bali travel insurance , so hospitals charge accordingly and if you are the bunny without cover you still pay the high price regardless.

Why Bali travel insurance is important for seniors

Travelling to Bali can be a beautiful and exciting experience for seniors, but it can also be a potentially risky one. To protect against accidents and medical expenses, senior citizens must consider purchasing Bali travel cover. This must cover expenses in the case of an emergency, including evacuation. No senior should go to Bali without insurance.

What should Bali travel insurance cover?

When choosing your policy, it’s important to decide what coverage you are going to need because policies differ in their inclusions. Also, the price of a policy can change with optional inclusions.

Six things Bali travel insurance should cover

Emergency medical expenses, including medical evacuation costs;

Baggage and personal property is important to cover you for loss, delay and theft;

Cancellation and trip interruption should also be covered under the plan;

Sports and activities add-ons provide coverage for sports and activities. For example, most policies regard the very innocent-sounding activity of snorkeling as a high risk activity;

Some policies also offer additional benefits such as personal accident and liability coverage , accommodation cover, and legal expenses .

Finally, read the plan's terms carefully, as some may exclude certain medical expenses , include coverage limits, or exclude certain pre-existing medical conditions .

What Bali travel insurance probably won’t cover is Identity Theft

Identity theft, hacking, and viruses are all big problems in Bali, and they are usually not covered by travel insurance. That is why it is important to protect your digital identity with an app that protects your digital identity and your devices.

Is emergency medical evacuation and repatriation important?

Medical evacuation and repatriation coverage is critical to cover medical and transport expenses if the traveler requires transfer to another country (typically Singapore, Australia, or your home country) for urgent medical care. Often, this coverage will include your partner or family member to accompany you.

Should I have non-medical emergency evacuation?

Non-medical evacuation coverage can include expenses related to emergency evacuation, such as transportation and travel-related expenses. This can include medical expenses, if necessary.

Is baggage and personal property cover important?

You did not know your luggage was going to be transferred like this, and you can’t back out now. Tick for insurance.

All policies typically cover items such as luggage, personal effects, cameras, spectacles, and computers. The coverage can be customized to include additional items such as a GoPro camera or a drone.

If your airline loses your baggage or your Gilli Islands transfer boat hits a wave, the cost of buying a new set of clothes can be eye-watering, and you won't be able to avoid the expense. Get covered, and your new wardrobe (and equipment) is covered, up to the value of your policy.

Trip Cancellation

Trip cancellation cover protects you from losing out on prepaid, non-refundable trip expenses due to unexpected emergencies. It is important to note that trip cancellation insurance is different to insurance that covers expenses related to delays or missed flights.

Canceling your Bali trip for health reasons

Canceling your trip to Bali for health reasons can be covered under travel policies. In order to reimburse you for any non-refundable and prepaid expenses, such as expenses paid for accommodation, transportation, and medical expenses, travel policies typically include coverage for cancellation costs.

Canceling your Bali vacation trip because of extreme weather

Trip cancellation cover can provide financial protection in the event of extreme weather while on a trip. This type of cover protects travelers against the cost of canceling a trip due to inclement weather. It also reimburses travelers if a trip is delayed or canceled due to inclement weather.

Cancelling your trip due to Volcano activity

Volcanos will puff, travel will stop. Be covered.

A travel insurance plan can provide coverage for trip cancellation fees as well as expenses incurred if you need to cancel your trip due to volcanic activity or volcanic ash. If a natural disaster takes place before your trip, trip cancellation benefits may not apply.

Trip interruption

Trip interruption insurance can provide travelers with coverage if an unexpected emergency causes them to cancel their trip with little notice. This type of travel cover can reimburse travelers for non-refundable expenses such as airfare, hotel stays, and tours that may have been planned for their trip.

Treating travellers Bali Belly

Bali Belly, also known as indigestion or travel-induced stomach pain, is a common health issue that can occur during travel to Bali. Many plans include a 24-hour emergency medical helpline. This can be critical if you are suffering from Bali belly and need medical attention or advice even in the middle of the night (inevitable, right?).

Tip: We have a special article What is Bali Belly? A Guide to Causes, Symptoms &Treatment which will share with you essential steps to prepare yourself before your trip and protect yourself from Bali belly whilst in Bali.

Adventure sports and activities

Yup, even snorkeling is an adventure sport.

Bali is known for its adventure activities, including surfing . But did you know most policies consider snorkeling an adventure sport ? Getting on a swing can also be regarded as an adventure sport, as is rafting or cycling tours . If you plan on taking part in any of these activities, make sure your travel policy covers you.

Riding motorbikes and scooters

Riding motorbikes and scooters in Bali is a common activity (even if just as a passenger on a Gojek), so it's essential to check what's covered under travel insurance policies. Many policies will not cover you unless you have a motorcycle license in your home country and you wear safety gear whilst riding. Check the policy carefully.

Accidental death and dismemberment

Accidental death and dismemberment coverage can help ensure that families are financially prepared for such a tragic event. A comprehensive travel insurance plan for Bali would provide comprehensive coverage for these expenses.

Baggage loss and theft coverage

If you are traveling to Bali, be sure to keep travel insurance coverage for baggage loss in mind. Lost or damaged luggage is a common concern when traveling, and insurance can help offset the costs associated with replacing lost items.

Gear and electronics cover

Put your gear in the frame when buying Bali travel insurance

It is important to check the policy's coverage for electronics and other gear before traveling to Bali as these items may not be covered by the insurance plan unless specified (meaning you list them when taking out the policy). If electronics and other gear are included in the coverage, read the policy to understand any excess and depreciation rules (meaning they may pay you a reduced value for older equipment).

Medical insurance for investors, digital nomads, and remote workers

If you’re traveling the world as a digital nomad or remote worker, it’s vital you have travel insurance to protect yourself from any potential risks. Digital Nomads are highly likely to rent a motorcycle and certainly be a passenger on one often. And as a digital nomad, Indonesians see you as being 'on business' so they will look to you to pay in the case of any accident even if it is not your fault.

Investors and business people visiting Bali should make sure they have travel cover and make sure it covers business trips. It is crucial that travellers understand all the terms and conditions of their insurance policy before purchasing it and ensure they receive comprehensive coverage for their trip.

How to choose the right Bali travel insurance for you

We have a simple formula to determine the right cover for you:

Add up your trip costs , equipment and think about the activities you will get into when deciding how much coverage to include in your policy. That ticks off the variable cost aspect of insurance.

Choose the maximum you can get for medical and evacuation - don't skimp on this part. Often the max cover is only a few buks more than standard.

You don't need more cover than your belongings are worth or the value you paid for your trip. You do need cover for most activities, even snorkelling. You do need the max cover you can get for medical and evacuation.

What is the best travel insurance for Bali?

Here is our selection of the best travel insurance for Bali available. As mentioned at the beginning of this article, we may receive a small commission if you take out a policy at no extra cost to you (in fact, some of our recommendations come with exclusive savings) and in turn, you and the insurance you choose are supporting our work, which is a win-win.

Want the Bottom Line?

Our bali travel insurance recommendations:, #1 - heymondo - if you ask us to give a general ‘best’ answer, we think heymondo is the best choice. it is reasonably priced ( use this link and get 5% off as well ), has the best coverage with zero excess, and an app with 24/7 live support. it also has a high trustpilot rating among consumers. click here for a quote.

#2 - SAFETYWING - If you are a budget traveler, budget family, or digital nomad, SafetyWing is the low cost, lower-coverage guy who will have your back in a big emergency. SafetyWing also has an excellent Trustpilot rating. Click here for a quote

#3 - TRAVEL INSURANCE MASTER - TIM offers a diverse array of plans and advantages from several top-notch global suppliers, consolidated on a single website for effortless comparison. Each journey is unique, and your travel insurance arrangement should reflect that fact.

If you want to know more about our reasons for this recommendation and some special cases where we would advise other choices, read on…

Our Recommendation of best travel health insurance Bali in depth:

We’ve reviewed a bunch and there are two main insurers we’ve checked out thoroughly and recommend you consider:

1. Heymondo

Heymondo has been around since 2016 and is baked by AXA, a world-leader in insurance. Their policies offer very high coverage amounts, and they have no excess or deductible, which means you can claim without paying the first X dollars yourself. They have plans for short trips, long-term travel and annual plans. They cover most activities and sports you’re likely to do on Bali and Lombok (except, for example, scuba diving, which requires an add-on, so check your activities closely to see if yours are covered). Also, they have an app with 24/7 doctor advice, free online calls, and claim reporting. We think this feature is huge... all you need is WiFi and you get help, even in the middle of the night.

Heymondo Trustpilot Rating : 4.4 from 1500+ reviews, 78% 5-star

Summary : High coverage, no excess, most activities covered and an app for quick help

Bonus : Use this link to get 5% discount thanks to Heymondo supporting small publishers like us and our readers

2. SafetyWing

SafetyWing is very popular among budget digital nomad travelers. They are a safe, solid company. They are cheaper because (1) they offer lower coverage amounts than others, and (2) they have a $250 excess. In other words, they could be a good choice if you just want to be covered for a major loss for a low premium and are happy to not claim for smaller medical or personal item losses. Our advice is that everyone must have travel insurance, so SafetyWing is the choice for those who feel bulletproof but just want to know that if they really go off the rails, they are covered.

SafetyWing Trustpilot Rating : 4.3 from 657 reviews, 78% 5-star

Summary : Cheap but absolutely reliable choice if you are okay with low coverage amounts and a $250 excess.

3. Travel insurance Master

Travel Insurance Master offers a diverse range of plans and benefits from top providers worldwide, all conveniently accessible on a single website for easy comparison. No journey is the same, and your travel insurance should reflect that.

The process is straightforward - input your unique trip and traveler information in three simple steps. The website will swiftly identify all available plans and present them side by side for easy comparison, suggesting the most valuable coverage. This recommendation is generated by Travel Insurance Master's advanced algorithm, which is continuously updated and enhanced to provide you with the best travel insurance options.

Even if you haven't fully paid for your trip yet, you can request a quote and safeguard your journey. In fact, it is advisable to purchase insurance soon after making a deposit for your trip, ideally on the same day or within a few days afterward. This is because insurance companies that cover pre-existing medical conditions will only do so if you acquire trip insurance within a specific time frame from the initial deposit, typically around ten days.

Summary : If you have the time, this is a great way to compare a variety of policies to find the right one for you.

Travel insurance recommendations for special needs:

Best bali travel insurance for young families.

For families that want solid coverage, go with Heymondo .

SafetyWing is a interesting choice for young families on a budget because they include 2 children under 10 (one per adult) free on your policy. That is pretty amazing when you think about it. Just bear in mind their policy has a $250 deductible and much lower coverage than Heymondo and that is one way they keep it affordable.

Best Bali travel insurance for adventurous people:

Heymondo gets the edge for us because of its high rating by its customers. Just make a list of your anticipated sports and activities and make sure they are included. They probably are, but just check.

Best Bali travel insurance if you want to ride a motorbike

Heymondo (for comprehensive cover) and SafetyWing (cheap). Note that you must have a motorcycle license in your home country and be prepared to wear safety gear when riding during your trip. You won't be covered if you answer “no” to either point.

Best cheap and affordable Indonesia travel insurance

SafetyWing is a value-based choice, as you will see if you compare rates. Note the $250 deductible, one reason why the rates are so cheap. To be covered on a motorcycle, you must have a motorcycle license in your home country and be wearing safety gear when riding on Bali and Lombok. But the policy covers all the other important things, like interruption, cancellation, natural disasters, and personal liability, and includes reasonable limits for the premium paid. Also note that Heymondo offers our readers 5% discount , which might be the bonus you need to go for the better coverage.

Best travel insurance for remote workers and digital nomads

Heymondo is still our favorite here. SafteyWing has a specifically named policy for remote workers and digital nomads. With Heymondo, you can only extend the long-stay policy, and you need to extend it 3 days before it expires.

Best travel health insurance Bali if you've left home already

Heymondo and SafetyWing are both brilliant here because they will let you take out the policy after you have left home. And you can extend while away as well (only the long term policy with Heymondo).

How to read your policy disclosure document (PDS)

Read the novel on the beach. Read the policy document before you go.

Once you have used the links above to get a few quotes, take a moment to read the details of the cover for each of your choices. Here are a few tips to reading the policy disclosure documents (PDS) so you can focus on the important bits:

The table of benefits gives an overview of the coverage.

The policy cover section is crucial and often divided into 'what we will pay for' and 'what we won't pay for.'

General exclusions are important to review as they outline events that are not covered by any section of the policy.

Pre-existing conditions are essential to review, especially for those with medical conditions, no matter how minor, as they can remind you of any forgotten ailments.

The word definition table may contain surprises, making it a useful resource to clarify the meaning of terms like 'relative' or 'moped' or 'motorcycle'.

'How to make a claim' sections will share with you things like the need to avoid admitting fault or liability and the documentation required when making a claim, such as police reports.

Many policies have a specific section detailing COVID-19 coverage for medical, cancellation, and other related matters.

Write down and keep the 24-hour emergency assistance contact number in a handy place.

How much is travel insurance for Bali?

The above Bali travel insurance options all offer competitive pricing and have received excellent online reviews from travellers and we're confident you will find amongst these the best possible rate for the cover you require. If you need help choosing or just want a sounding board feel free to reach out to us and we can share any latest information and tips where we can. Just click the Whatsapp button floating bottom right of your screen.

Advantages of buying Bali travel insurance online

There are many benefits of buying travel medical insurance online. You can easily compare plan features, costs, and terms to find the best coverage for your trip. Moreover, insurance plans offer comprehensive medical coverage for short-term travel not available through traditional health insurance plans. Also, you can easily get insurance for your trip as there is no need to visit a travel agent or fill a lengthy medical questionnaire. Thus, buying Bali travel insurance online has become an essential part of travel planning today.

Recommended hospitals in Bali and Lombok

We do not receive or accept any benefit for the following recommendations - they are simply the best:

BIMC hospitals in Nusa Dua, Kuta/Denpasar and Ubud have been providing world-class medical facilities to tourists in Bali for many years. The hospital offers a wide range of healthcare services including surgeries, medical treatment, diagnostic tests, and health check-ups.

Siloam Private Hospitals offer excellent medical facilities to travelers in Bali. These private hospitals have world-class medical equipment and well-trained staffs who provide quality medical care to patients. You can get medical treatment at Prima Medika Hospital, Lombok International Hospital or Ganesha Medical Centre as per your choice.

Mataram General Hospital is the main public hospital in Lombok. This hospital provides medical services at reasonable costs and has specialty departments such as obstetrics and gynecology and emergency medical wards. You can visit this hospital if you are looking for quality medical care from top-notch doctors and specialists alike.

Recommended dentists in Bali

There are several recommended dentists in Bali, such as ARC Dental Clinic , Kuta Sunset Dental Seminyak and Uluwatu Dental Care .

Denpasar BIMC Dental Centre is also a great option. They provide quality dental care for both domestic and international patients. They offer wide range of dental treatment options, such as tooth extraction, crowns, and bridges. Besides, their treatment plan can be customized as per the needs of the patient.

Frequently Asked Questions

Is travel insurance necessary for bali.

Yes, travel insurance is necessary for Bali. Travel insurance can provide important coverage in case of unexpected events such as medical emergencies, lost luggage, trip cancellations, and more. It can also help protect you financially if you are faced with unexpected expenses or delays due to unforeseen circumstances.

Do I need special COVID-19 quarantine cover for Bali?

No. That entry requirement has now ended. Read more on the Welcome Back to bali official website

Is Bali travel insurance required by Indonesian law for visa entry?

No, travel insurance is not mandatory for your trip to Bali, however, it is highly recommended. Not only can medical expenses be high in an exotic destination like Bali, but even a medivac from Bali to Australia would cost up to $40,000! That's why Bali travel insurance can be a worthy investment when travelling abroad.

What kind of Bali travel insurance do I need for Indonesia?

Ensure that the insurance plan is comprehensive enough to cover all your valuable belongings, medical care expenses in an emergency, evacuation costs and travel delays. With the right insurance plan, you can enjoy a worry-free trip and focus on making the most of it!

Can I buy health insurance in Bali?

Yes, some online policies will allow you to buy after you have left home, but not all. Check our policy recommendation section where we tell you exactly which policies to go for in this case.

What should I do if there is a healthcare emergency in Bali?

In the event of an emergency in Bali, call for help as soon as possible. For medical emergencies dial 118 or +62 361 118, and for police-related emergencies dial 112 or +62 361 112. It is also advisable to save your accommodation host's number in your phone as they may be able to provide assistance if required. But most importantly, save your Bal travel insurances' Help Desk number in your phone and call them as soon as possible - they will help you get help, coordinate care and give you emergency triage advice over the phone whilst you wait or get to help.

Does Bali travel insurance cover for riding a scooter in Bali?

Yes, policies will cover this but it is usually an 'adventure' or 'sport' add on - but it is a must. You need this coverage even if you are just a passenger on a motorcycle 'taxi' like Gojek and it is very likely you will get on one at least a few times when on Bali and Lombok.

Does Bali travel insurance cover for Volcano in Bali?

Yes, coverage usually comes as an add-on to a standard policy that must be purchased separately. When it comes to hiking around active volcanoes in Bali, most policies will cover up to 4,500 meters of hiking which includes both Mount Batur and Mount Agung.

I am a citizen of India or Canada. Do I need Bali travel insurance?

Yes. Everyone visiting Bali should have travel insurance no matter where we come from. Even if you ride a motorcycle at home or are used to a range of rugged conditions, you can still get hurt and need medical assistance.

If I just stay in one place like Seminyak do I need Bali health insurance?

Yes. Even if you stay in one location you will still move around, go shopping, go to the beach and risk accident or injury.

How much is travel insurance to Bali? Is Indonesia travel insurance expensive?

Bali travel insurance is not expensive. For a single person for 7 days it can be around 50 dollars. For a family it can be less than a few meals out back at home. It is something you can buy well in advance of your trip to spread your trip costs out.

Paradise is waiting for you…see you on the beach!

Bali travel insurance is critical - do not leave home without it. Go for a comprehensive policy because when you really need it is when it is truly serious and you will want to be fully covered .

Whether you buy your Bali travel insurance through a travel agent or online, a small portion of premium will go to your travel agent or referral source. In supporting our work by using the links above you not only ensure you have the critical coverage you need but you are supporting independent publishing as well. So thank you and pat yourself on the back too because your trip will be fully secured and safe.

Suggested traveller resources

For Australians: Smartraveller

Also for Aussies (but worth a ready by everyone), the travel insurance information by Choice on Smartraveller

For India citizens - Travel Advisory

For UK Travellers - Health Travel Advice

For USA Travellers - State Departm e nt, Travel Advisory

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Editorial Team Hi, I’m Simon St John , Baligram’s writer. I am a published Author of travel guide books and a Travel Writer. I have visited Bali more than 35 times over a 25-year period. I share my passion for Bali’s nature, culture, and adventure in this travel guide. I welcome your feedback and ideas! Read about Simon and about Baligram .

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Best Travel Insurance for Bali: A Comprehensive Guide for Visitors from Around the World

• Travel Guide

Best Travel Insurance for Bali: leave with a free spirit

To travel with a free spirit, there is one element that should not be overlooked: you need a travel insurance. Your health is precious and must be the subject of all attention (repatriation or emergency medical evacuation, coverage of health costs). We will give you the some options of best travel insurance for Bali.

Bali is one of the most popular tourist destinations in the world, known for its beautiful beaches, vibrant culture, and stunning landscapes. However, traveling to Bali comes with its own set of risks, such as medical emergencies, trip cancellations, and lost luggage. This is where travel insurance comes in handy. In this article, we will provide a comprehensive guide to the best travel insurance for Bali, suitable for visitors from all over the world.

When it comes to Bali, it’s essential to choose a travel insurance policy that covers medical emergencies. Bali’s healthcare system is not as advanced as some Western countries, and medical expenses can quickly add up. Additionally, Bali is prone to natural disasters such as earthquakes, which can disrupt travel plans.

Several important factors to consider when looking for travel insurance for Bali

When choosing travel insurance for Bali, there are a few things you should keep in mind:

1. Medical Coverage

Bali is a popular travel destination, but medical emergencies can happen. Look for a travel insurance policy that provides comprehensive medical coverage, including coverage for emergency medical treatment, hospitalization, and medical evacuation if necessary.

2. Trip Cancellation and Interruption

It’s important to be prepared for unexpected events that may cause you to cancel or interrupt your trip. Look for a policy that provides coverage for trip cancellation or interruption due to unforeseen events such as illness, injury, or natural disasters .

3. Personal Belongings Coverage

Theft and loss of personal belongings can occur during travel. Look for a policy that offers coverage for lost, stolen or damaged baggage and personal items.

4. Adventure Activities

Bali offers many adventure activities such as surfing, scuba diving, and trekking. If you plan on participating in any adventure activities, make sure your travel insurance policy covers them. Read also:  Fun Water Sports Activities in Bali | Jet Ski, Flying fish, Parasailing, Banana boat and Flyboard

5. 24/7 Assistance

Look for a policy that offers 24/7 assistance services such as emergency medical assistance and travel assistance.

6. Policy Exclusions

Make sure to review the policy exclusions, including any pre-existing conditions, to ensure that you have the necessary coverage and are not caught off guard.

For visitors to Bali who plan to rent a scooter or motorbike , it’s important to find a travel insurance provider that offers coverage for these activities.

Travel insurance prices can vary widely depending on the provider and the level of coverage you choose. Compare prices and features from multiple providers to find a policy that fits your needs and budget.

Disclaimer: The prices listed in this article are subject to change and may not be accurate at the time of reading. Please refer to the insurance providers’ websites for the latest pricing information. It is important to carefully review the policy details before purchasing travel insurance to ensure it meets your specific needs.

Good to know

When visiting a public hospital in Bali, remember to bring some Indonesian rupiah money with you. The reason you need to do this is because some do not accept payments through a cashless service.

The disadvantage of public hospitals is a fairly limited service compared to private health facilities, but the bill will be lower. In addition, private hospitals also accept payment methods other than cash.

Medical costs in Bali can be very expensive if you are not covered in the event of an accident or a health problem.

What if you have a dental problem in Bali?

Most of dentists in Bali are fluent in English. Some of them have even been trained abroad. However if you have an emergency, it’s like being in Australia, Europe or the U.S. without a good insurance, your credit card will quickly heat up.

All these reasons demonstrate the importance of being insured for your stay in Bali.

Here is a table that compares different travel insurance plans for visitors and travelers to Bali

The cost of travel insurance can vary based on several factors such as the length of your trip, your age, and the coverage limits you select. These costs are just examples for a 1-week trip for a 30-year-old traveler.

The travel insurances listed below are very popular among travellers. However, only your criteria allow you to know which one is the most suitable for your needs.

Travel insurance is an essential investment for any trip, especially to a destination like Bali where unexpected events can happen. Visitors and travelers should carefully consider their needs and the risks associated with their travel plans when selecting a travel insurance plan. By doing so, they can ensure they are protected and can enjoy their trip with peace of mind.

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The best travel insurance for Bali by country of your residence

When it comes to finding the best travel insurance for Bali by country, it’s important to research options that cater to the specific needs of travelers from different countries.

It’s important to note that these are just a few examples of travel insurance providers and plans that are available for visitors to Bali. Without further ado, let’s explore the best travel insurance options for Bali visitors:

Best Travel Insurance for Bali for Visitors from Australia:

Southern Cross Travel Insurance

They offer comprehensive coverage for medical expenses, trip cancellation, and other travel-related risks. Their policy also includes coverage for pre-existing medical conditions, which is particularly important for older travelers. The cost of their policies varies depending on the level of coverage you choose, but you can expect to pay around AUD $80 for a week’s worth of coverage.

Link: https://www.scti.com.au/travel-insurance/bali-travel-insurance

InsureandGo Australia

It offers comprehensive travel insurance plans for Bali starting at AUD $30.68 for a seven-day trip. Link: https://www.insureandgo.com.au

1Cover Travel Insurance

Offers comprehensive travel insurance plans for Bali starting at AUD $26.43 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation, lost or stolen baggage, personal liability, and more. Link: https://www.1cover.com.au

Cover-More offers travel insurance plans for Australian citizens traveling to Bali, Indonesia. Their plans cover medical expenses, trip cancellation and interruption, personal belongings, and more. Link: https://www.covermore.com.au

Best Travel Insurance for Bali for Visitors from the USA:

Allianz Global Assistance: Offers a range of travel insurance plans for Bali starting at USD $25 for a seven-day trip.

Link: https://www.allianztravelinsurance.com/find-a-plan

World Nomads

For travelers from the USA, World Nomads is a popular choice for Bali travel insurance. They offer coverage for medical expenses, trip cancellation, and a range of adventure activities, such as surfing and diving. Their policies are flexible, allowing you to customize your coverage to suit your needs. Prices vary depending on the level of coverage you choose, but you can expect to pay around $70 for a week’s worth of coverage.

Link: https://www.worldnomads.com/usa

Best Travel Insurance for Bali for Visitors from Canada:

Travel guard.

Offers travel insurance plans for Bali starting at CAD $30.50 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation and interruption, baggage loss and delay, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking. Link: https://www.travelguard.ca

Manulife offers travel insurance plans for Canadian citizens traveling to Bali, Indonesia. Their plans cover emergency medical expenses, trip interruption and cancellation, baggage and personal belongings, and more. Link: https://www.manulife.ca/personal/insurance/our-products/travel-insurance.html

Best Travel Insurance for Bali for Visitors from Europe:

Columbus direct (uk).

Offers travel insurance plans for Bali starting at €9.70 for a seven-day trip. Link: https://www.columbusdirect.com/travel-insurance/

AXA Assistance – Platinum Plan (muliple countries)

AXA Assistance offers the Platinum Plan, which includes emergency medical coverage, trip cancellation and interruption coverage, and personal belongings coverage. It also covers adventure activities such as surfing and trekking. The cost for a 10-day trip to Bali for a 30-year-old traveler starts at €48.

AXA offers travel insurance plans for Bali. The plan covers emergency medical expenses, trip cancellation and interruption, baggage loss and delay, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking.

• French: https://www.assurance-voyage.axa-assistance.fr
• Italian: https://www.assicurazione-viaggio.axa-assistance.it
• Spanish: https://www.axa-assistance-segurodeviaje.es
• Portuguese: https://www.viagemsegura.pt/pt
• Polish: https://www.axa-assistance.pl

Staysure (UK)

Staysure offers travel insurance plans for UK citizens traveling to Bali, Indonesia. Their plans cover medical expenses, trip cancellation, baggage and personal belongings, and more. Link: https://www.staysure.co.uk/single-trip-travel-insurance

Bali Packing List – What to pack for Bali? Best Packing List and Tips for a Perfect Vacation (What to Bring in Your Luggage or Suitecase)

Best Travel Insurance for Bali for Visitors from Asia:

Etiqa insurance (singapore).

They offer a range of plans that cover medical expenses, trip cancellations, and adventure activities. Their ePROTECT travel insurance plan starts from SGD $18 for a seven-day trip.

Link: https://www.etiqa.com.sg/personal-insurance/travel-insurance

AIG (Singapore)

Offers travel insurance plans for Bali starting at SGD $35 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation and interruption, baggage loss and delay, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking. Link: https://www.aig.sg/personal/travel-guard

Chubb Travel Insurance (Singapore)

Offers travel insurance plans for Bali starting at SGD $17 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation, travel delay, loss of baggage, and more. Link: https://www.chubbtravelinsurance.com.sg

Mitsui Sumitomo Insurance (Japan)

Offers travel insurance plans for Bali starting at JPY 1,500 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation and interruption, lost or stolen baggage, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking. Mitsui Sumitomo Insurance also offers customizable plans and optional coverage for specific activities or situations, such as sports and adventure travel, rental car damage, and more.

Link: https://www.ms-ins.com/english

Tune Protect (Malaysia)

Offers travel insurance plans for Bali starting at MYR 24 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation and interruption, lost or stolen baggage, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking. Link: https://www.tuneprotect.com/products/travel-easy-insurance

China Life Insurance

Offers travel insurance plans for Bali starting at CNY 20 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation and interruption, lost or stolen baggage, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking. Link: https://www.e-chinalife.com

Allianz Global Assistance (Philippines)

Allianz Global Assistance offers travel insurance plans specifically designed for travelers visiting Southeast Asia, including Bali. Their plans include coverage for emergency medical expenses, trip cancellation, and travel delays. You can purchase coverage online through their website: https://www.allianzpnblife.ph

Pacific Cross (Philippines)

Pacific Cross offers travel insurance plans for Philippine citizens traveling to Bali, Indonesia. Their plans cover emergency medical expenses, trip interruption and cancellation, personal belongings, and more. Link: https://www.pacificcross.com.ph/#travel

Best Travel Insurance for Bali for Visitors from Africa

Hollard travel insurance.

They offer comprehensive travel insurance plans that cover medical expenses, trip cancellations, and luggage loss. Their Standard Plan starts from ZAR 398 for a seven-day trip.

Link: https://www.hollard.co.za/travel-insurance

Travel Insurance Consultants

Offers travel insurance plans for Bali starting at ZAR 312 for a seven-day trip. Link: https://www.tic.co.za

Photo credit : stux via Pixabay

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Ready to book your villa in the heart of lively Seminyak?

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Located in Seminyak Center – Bali, Villa Carissa offers a private swimming pool and enclosed garden to guarantee your privacy. You can book your private pool villa here with us.

Whether you’re traveling with family, friends, or on a romantic getaway, villa Carissa in Seminyak center offers the perfect base for exploring Bali’s many attractions and enjoying a relaxing vacation.

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• Mar 22, 2023

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I have been doing my insurance research today.

For the cover required for Covid insurance has gone up a bit.

I’m heading towards TICK Insurance

I’m just wanting to read all disclosures before purchasing.

We have used Insure&Go for many years. I had a claim in 2019, it was made a bit difficult by the call centre being in the Philippines and there were some language issues, but they paid quickly once they understood. They seem to cover a wide range of pre-existing conditions, many at no cost, some for an added cost. We currently have a deferred annual multi trip policy with them, and they called last week again offering a refund. I said we hoped to travel soon, and was advised they are currently only offering single trip policies, and do cover covid. Multi trip policies are expected back within a month or two.

Have a look at AHM Insurance Australia. My friend said they gave a very good service, and policy coverage.

Post 1 Tracey, thanks for the heads up on TICK Insurance. I also have been looking at Travel Insurance today and was shocked to see most companies were charging three times as much as we have ever paid for insurance.

Have made a note of TICK and will read all disclosures in the coming weeks.

Yes Lynne. I got a shock too.

I am leaning heavily towards Tick. Review are also good.

I like you will read it all tonight

My insurance quote increased by more than 500%

Pre-pandemic, I paid $A53 for Woolworths Travel Insurance which included motorcycling.

Now Covermore has quoted $A283, which does not include motorcycling.

Thanks so much everyone. Some homework for me. We are prepared to pay extra although we have been paying every year for decades and never used it. But that one time, you don't have it is exactly when you will need it.

ElSaif, the only things I checked out so far with TICK is that it covers for COVID and Motorcycle. Would have been a waste of time of motorcycle was not covered........... from their FAQ

Our policies do offer cover for travellers riding scooters however, there are certain requirements that must be met to be covered for this activity. These include wearing a crash helmet at all times and holding a driver license appropriate for the country you are in. If you are using a scooter rated 125cc or higher, you must also hold a current and valid license for driving an equivalent rated motorcycle in Australia.

Not only does Covermore not cover motorcycling, Medibank Private does not either.

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Guide To Bali Travel Insurance – ALL You Need To Know

Introduction.

Planning a trip to Bali? Exciting! This Indonesian paradise is a haven for beach lovers, adventure enthusiasts, and cultural explorers. While you’re busy organizing your itinerary and booking accommodations, one crucial aspect that should not be overlooked is travel insurance.

Bali travel insurance is a safeguard against unexpected events and provides you with financial protection in case of emergencies during your trip. Whether it’s medical expenses, trip cancellation, lost baggage, or any other unforeseen circumstances, having travel insurance can alleviate the financial burden and offer peace of mind.

But why exactly do you need travel insurance for your Bali vacation? Let’s take a closer look at the reasons why having adequate insurance coverage is essential.

• Medical Emergencies: Bali may be a paradise, but accidents and illnesses can happen anywhere. With travel insurance, you’ll have coverage for medical expenses, including hospitalization, doctor’s visits, and emergency medical evacuations.
• Trip Cancellation or Interruption: Unforeseen circumstances such as illness, natural disasters, or other emergencies can force you to cancel or cut short your trip. Travel insurance can provide reimbursement for non-refundable expenses like flights and accommodations.
• Lost or Stolen Belongings: In the unfortunate event that your baggage gets lost or stolen, travel insurance can compensate you for the value of the items lost, allowing you to replace your belongings without incurring substantial costs.
• Travel Delays: If your trip is delayed due to reasons beyond your control, such as a flight cancellation or severe weather conditions, travel insurance can cover additional expenses like accommodation and meals.
• Personal Liability: Accidents happen, and if you accidentally injure someone or damage their property, having insurance coverage can protect you from potential legal liabilities.

Now that we understand the importance of Bali travel insurance, let’s delve into the coverage details and different types of insurance plans available. By understanding the options and factors to consider, you can make an informed decision when choosing the right insurance policy for your Bali adventure.

Why Do You Need Bali Travel Insurance?

When embarking on a trip to Bali, travel insurance should be at the top of your priority list. Here are some compelling reasons why you need Bali travel insurance:

• Medical Coverage: It’s essential to have adequate medical coverage when traveling to a foreign country. Medical emergencies can occur at any time, and the cost of healthcare services in Bali can be high for international tourists. Travel insurance provides coverage for medical expenses, including hospital stays, doctor consultations, medication, and emergency medical evacuations if needed.
• Trip Cancellation or Interruption: Your Bali vacation may need to be canceled or cut short due to unexpected circumstances such as illness, injury, or a family emergency. Without travel insurance, you risk losing the money invested in non-refundable bookings like flights and accommodations. Travel insurance can provide reimbursement for these expenses, giving you peace of mind.
• Lost or Stolen Belongings: Theft and loss of belongings can happen, even in a safe destination like Bali. If your luggage is lost or stolen, travel insurance can cover the cost of replacing essential items such as clothing, electronics, and personal belongings.
• Travel Delays: Flight cancellations, severe weather conditions, or unforeseen events may cause significant delays during your journey. This can result in additional expenses for accommodation, meals, and transportation. Travel insurance can provide compensation for these costs, ensuring you don’t bear the financial burden of unexpected delays.
• Emergency Evacuation: In cases of natural disasters, political unrest, or other emergencies, you may need to be evacuated from Bali. Travel insurance can cover the costs associated with emergency evacuation, including transportation to a safe location or repatriation back to your home country.
• Personal Liability: Accidents happen, and if you accidentally cause injury to someone else or damage property, you could be held liable. Travel insurance often includes personal liability coverage, protecting you from potential legal expenses and financial obligations.

Traveling without insurance is a risky proposition, as it leaves you vulnerable to significant financial losses and potential hardships. With Bali travel insurance, you can explore this beautiful island paradise with confidence, knowing that you have a safety net to protect you in case of emergencies.

What Does Bali Travel Insurance Cover?

Bali travel insurance provides coverage for various aspects of your trip, ensuring that you are financially protected in case of unforeseen circumstances. While the specific coverage may vary depending on the insurance provider and plan you choose, here are some common areas that Bali travel insurance typically covers:

• Medical Expenses: This includes coverage for medical emergencies, hospitalizations, doctor’s visits, prescription medications, and emergency medical evacuations, if necessary. It is important to check the coverage limits and whether pre-existing conditions are included or excluded in your policy.
• Trip Cancellation and Interruption: If you need to cancel your trip before departure or cut it short due to reasons such as illness, injury, or a family emergency, travel insurance can provide reimbursement for non-refundable expenses, such as flights, accommodations, and prepaid activities.
• Baggage and Personal Belongings: If your baggage is lost, stolen, or damaged during your trip, travel insurance can offer coverage for the value of the items lost or damaged. This can include clothing, electronics, jewelry, and other personal belongings. The policy may also include coverage for delayed baggage, reimbursing you for essential items you need to purchase while awaiting the arrival of your luggage.
• Travel Delay and Missed Connections: Travel insurance can compensate you for additional expenses incurred due to trip delays caused by factors beyond your control, such as flight cancellations, severe weather conditions, or strikes. This coverage can include costs for accommodations, meals, and transportation to help you resume your travel plans.
• Emergency Evacuation and Repatriation: In the event of a medical emergency or a crisis situation, travel insurance can cover the costs of emergency evacuation to the nearest adequate medical facility or transportation back to your home country. This coverage is crucial in situations where specialized medical treatment may be required or if it is necessary to evacuate from Bali due to political unrest or natural disasters.
• Personal Liability: Some travel insurance policies include personal liability coverage, which protects you from potential legal expenses and financial claims if you accidentally cause injury to someone or damage their property during your trip.

Before purchasing Bali travel insurance, it is important to carefully review the coverage details, policy limits, exclusions, and any additional optional coverage that may be available. Make sure the policy aligns with your specific travel needs and provides adequate protection for the duration of your stay in Bali.

Types of Bali Travel Insurance

When it comes to Bali travel insurance, there are different types of policies available to suit your specific needs and preferences. Here are some common types of travel insurance plans that you can consider:

• Single Trip Insurance: This type of insurance provides coverage for a specific trip or vacation. It typically offers protection for trip cancellation or interruption, medical expenses, baggage loss, and other unforeseen events that may occur during your journey. Single trip insurance is ideal if you’re planning a one-time trip to Bali and don’t travel frequently.
• Annual/Multi-Trip Insurance: If you are a frequent traveler or plan to take multiple trips in a year, an annual or multi-trip insurance policy may be more cost-effective. This type of insurance offers coverage for multiple trips within a specified period, usually one year. It provides protection for similar events as single trip insurance, including trip cancellation, medical emergencies, and baggage loss.
• Group Travel Insurance: If you are traveling with a group of friends, family, or colleagues, group travel insurance can be a convenient option. It provides coverage for the entire group and typically includes benefits such as trip cancellation, medical expenses, and baggage loss. Group policies can usually be customized to cater to the specific needs of the group.
• Adventure Travel Insurance: Bali is known for its thrilling outdoor activities such as surfing, diving, and hiking. If you plan to engage in adventurous pursuits during your trip, it’s important to consider adventure travel insurance. This type of insurance offers coverage for activities that are typically excluded from standard travel insurance plans due to their higher risk nature. It may include benefits such as emergency medical coverage, search and rescue expenses, and equipment protection.
• Business Travel Insurance: If you’re traveling to Bali for business purposes, a business travel insurance policy can provide coverage specifically tailored to your business needs. It can include protection for trip cancellation, trip interruption, emergency medical expenses, and travel delays, along with additional benefits like coverage for business equipment and liability protection.

When choosing the right type of Bali travel insurance, consider the nature of your trip, the level of coverage you require, the duration of your stay, and any specific activities or purposes for which you need insurance coverage. It’s essential to carefully review the policy terms, coverage limits, and exclusions before making a decision. Ensure that the insurance plan meets your specific travel needs and provides adequate protection for your Bali adventure.

Factors to Consider When Choosing Bali Travel Insurance

Choosing the right Bali travel insurance policy is crucial to ensure that you have adequate coverage and protection during your trip. Here are some important factors to consider when selecting a travel insurance plan:

• Coverage Options: Review the coverage options provided by the insurance policy. Ensure that it includes essential areas such as medical expenses, trip cancellation or interruption, baggage loss or delay, and emergency evacuation. Consider any additional coverage options that may be important to you, such as coverage for adventure activities or rental car protection.
• Policy Limits: Check the policy limits for each type of coverage. Ensure that the coverage limits are sufficient to cover potential expenses you may incur during your trip. For example, verify that the medical coverage limit is high enough to cover potential medical expenses in Bali.
• Exclusions and Limitations: Carefully read the policy exclusions and limitations. Understand what events or circumstances are not covered by the insurance plan. Exclusions may include pre-existing medical conditions, high-risk activities, or acts of terrorism. Make sure you are aware of any conditions or activities that may void your coverage.
• Cost of the Policy: Consider the cost of the travel insurance policy and how it fits within your budget. Compare the premiums of different insurance providers to ensure you are getting the best value for the coverage provided. Remember that the cheapest policy may not always offer the most comprehensive coverage.
• Customer Reviews and Reputation: Research the reputation and customer reviews of the insurance provider. Look for feedback on customer service, claims handling process, and overall satisfaction. This will give you an idea of how reliable and trustworthy the insurance company is.
• Travel Duration: Consider the duration of your stay in Bali. Ensure that the travel insurance policy provides coverage for the entire duration of your trip. If you are planning an extended stay, check if the policy allows for an extension or renewal of coverage.
• 24/7 Emergency Assistance: Look for travel insurance providers that offer 24/7 emergency assistance. This ensures that you can get help and support whenever needed, especially in emergency situations. Having access to a helpline can be invaluable if you find yourself in a medical or travel-related emergency.
• Policy Documents: Carefully review the terms and conditions of the policy documents. Understand the requirements and procedures for filing a claim and the necessary documentation. Ensure that you are aware of any time limits for filing claims and the process for reimbursement.

By considering these factors, you can choose a Bali travel insurance policy that suits your specific needs and provides you with the necessary coverage and peace of mind during your trip.

How to Get Bali Travel Insurance

Getting Bali travel insurance is a straightforward process. Here are the steps to follow:

• Research and Compare: Start by researching different insurance providers and their policies. Look for reputable companies that offer travel insurance coverage for Bali. Compare the coverage options, policy limits, exclusions, and prices to find the best fit for your needs.
• Visit Insurance Provider Websites: Once you have identified a few potential insurance providers, visit their websites to get detailed information about their policies. You can usually get a quote online by providing some basic information about your trip, such as travel dates, destination, and the number of travelers.
• Review Policy Details: Carefully read the policy details of each insurance plan. Pay attention to coverage limits, exclusions, and any additional coverage options. Consider your specific travel needs and choose a policy that provides adequate coverage and aligns with your budget.
• Fill Out Application: If you decide to proceed with a particular insurance plan, fill out the application form provided by the insurance provider. Provide accurate and complete information about yourself and your trip to ensure that the policy is tailored to your needs.
• Make the Payment: After completing the application, you will need to make the payment for the insurance policy. Most insurance providers offer online payment options, including credit/debit cards or online banking transfers. Make sure to review the payment details and confirm the transaction.
• Receive Policy Documents: Once the payment is confirmed, the insurance provider will send you the policy documents via email or mail. Carefully review the documents to understand the terms and conditions, coverage details, and the process for filing a claim.
• Keep a Copy Handy: It is important to keep a copy of the travel insurance policy with you during your trip to Bali. Store it on your electronic devices and carry a printed copy as well. This will allow you to have quick access to the policy details and contact information in case of an emergency.
• Contact 24/7 Assistance: Before your trip, take note of the 24/7 emergency assistance contact provided by the insurance company. Save the contact details in your phone and keep them easily accessible. In case of any emergency or if you need to file a claim, contact the assistance team for guidance and support.

Getting Bali travel insurance is a proactive step in ensuring a smooth and worry-free trip. By choosing the right insurance policy and understanding the claims process, you can travel to Bali with confidence, knowing that you are protected in case of any unforeseen events during your journey.

Important Tips for Bali Travel Insurance

When purchasing Bali travel insurance, keep these important tips in mind to make the most of your coverage:

• Buy Early: It’s best to buy travel insurance as soon as you book your trip to Bali. This ensures that you are covered for unexpected events that may occur before your departure, such as trip cancellation due to illness or other emergencies.
• Read the Fine Print: Carefully read the policy documents and understand the terms and conditions, especially the coverage limits, exclusions, and any additional requirements. Be aware of any pre-existing medical conditions that may affect your coverage and disclose them to the insurance provider if necessary.
• Keep Your Policy Information Handy: Carry a copy of your travel insurance policy with you during your trip to Bali. This includes the policy number, emergency contact information, and any necessary claim forms. Having this information readily available will make the claims process smoother in case of an emergency.
• Save All Receipts and Documentation: In the event that you need to file a claim, make sure to keep all receipts, medical reports, police reports, and any other relevant documentation. This will serve as evidence and help expedite the claims process.
• Notify Your Insurance Provider: If you encounter any difficulties, such as a flight delay or lost baggage, notify your insurance provider as soon as possible. They can guide you on the necessary steps to take and any additional documentation required for a claim.
• Understand Coverage for Adventure Activities: If you plan to engage in adventure activities in Bali, check if your travel insurance policy covers such activities. Some insurance providers may offer additional coverage or require you to purchase a separate policy for these activities.
• Keep a Record of Emergency Contacts: Familiarize yourself with the emergency contact numbers provided by your insurance company. This includes the 24/7 assistance hotline and any local support numbers. Keep these numbers in your phone and have them easily accessible in case of an emergency.
• Review Your Existing Insurance Coverage: Before purchasing additional travel insurance, review your existing insurance policies to see if they already provide some coverage for travel-related events. For example, your health insurance or credit card may offer some benefits that can supplement your travel insurance coverage.
• Stay Updated on Travel Advisories: Before your trip, stay informed about any travel advisories or safety alerts issued for Bali. Follow the guidance provided by your government or relevant authorities. In case of any travel warnings or restrictions, communicate with your insurance provider for guidance on coverage and potential options.
• Ask Questions: If you have any doubts or questions about your travel insurance policy, don’t hesitate to reach out to your insurance provider. Clarify any concerns regarding coverage, claims process, or any other policy-related queries before your departure.

By following these tips, you can ensure that you make the most of your Bali travel insurance coverage and have a worry-free and protected trip.

Traveling to Bali is an exciting adventure, but it’s important to prioritize your safety and financial security along the way. Bali travel insurance offers peace of mind by providing coverage for unexpected events that may occur during your trip. Whether it’s medical emergencies, trip cancellation, lost baggage, or travel delays, having the right insurance can save you from financial burdens and ensure a smoother travel experience.

When choosing Bali travel insurance, consider factors such as coverage options, policy limits, exclusions, and reputation of the insurance provider. Take the time to read the policy details and understand the terms and conditions to ensure that you are adequately covered for your specific needs.

Remember to buy your travel insurance early, keep a copy of your policy handy, and save all relevant documentation in case you need to file a claim. Familiarize yourself with the emergency contact information provided by your insurance provider and stay updated on any travel advisories or safety alerts for Bali.

By following these guidelines and making informed decisions, you can enjoy your trip to Bali with confidence, knowing that you are protected in case of any unforeseen events. So, before you embark on your Bali adventure, don’t forget to get the right travel insurance – it’s an essential investment in your peace of mind and well-being.

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Bali Travel Insurance Review: Don’t Buy Until You Read Read This

• Post author: Elias
• Post published: February 12, 2024
• Post category: Insurance

Bali is a tropical paradise known for its breathtaking beaches, lush jungles, ornate Hindu temples, and rich cultural heritage. This Indonesian island is a popular travel destination that attracts over 6 million visitors per year.

While Bali offers plenty of stunning sights and fun activities, accidents and illnesses can happen anywhere. Comprehensive Bali travel insurance provides vital protection in case something goes wrong on your trip.

This guide will explain why travel insurance is recommended for Bali and detail the key types of coverage to consider.

Let’s dive in.

Why You Need Bali Travel Insurance

Bali travel insurance is not legally required, but it is highly recommended for all travelers. Here are some of the main reasons to purchase coverage:

Protect Your Investment

Trips to Bali can be quite expensive when you add up flights, hotels, tours, activities, and other costs. Trip cancellation insurance helps recoup some of your money if you need to scrap your vacation before departure due to covered reasons like illness or injury.

Trip interruption insurance lets you claim back losses from cutting your trip short. And travel medical insurance prevents huge out-of-pocket medical bills if you fall ill or get hurt in Bali.

Limited Healthcare Access

Healthcare in Bali can be hit or miss, especially in remote areas. While cities like Denpasar have modern hospitals, smaller towns and villages often lack proper facilities. As a foreigner, you may struggle to get quality treatment quickly. Evacuation coverage transports you home or to better hospitals for treatment.

High-Risk Activities

Bali is an adventure lover’s paradise. From whitewater rafting and surfing to paragliding and scuba diving, thrilling activities abound. But they also raise your chance of injury or accidents. Activity-specific coverage ensures you’re protected.

Natural Disasters

Bali lies along the Pacific Ring of Fire and is prone to volcanic eruptions, earthquakes, tsunamis, and other extreme weather. Comprehensive policies cover trip delays or cancellations due to natural disasters and events out of your control.

What Does Bali Travel Insurance Usually Cover?

Travel insurance comes in many forms, but some core protections tend to be included such as:

• Emergency medical expenses – Covers costs for hospital visits, surgery, ambulance transportation, prescriptions, and more if you get sick or injured on your Bali trip.
• Emergency medical evacuation – Pays to transport you back home or to a better medical facility for care if you become critically ill or hurt.
• Trip cancellation – Reimburses prepaid, non-refundable trip expenses if you must cancel due to covered scenarios like illness, injury, layoffs, and more.
• Trip interruption – Lets you recoup lost trip costs if covered events force you to cut your vacation short.
• Trip delays – Provides reimbursement for accommodations, meals, and toiletries if bad weather or other covered reasons delay your trip more than 12-24 hours.
• Baggage loss/damage – Offers compensation if your luggage or personal items get lost, damaged, or stolen during your travels.
• Travel accident insurance – Pays out a lump sum if you lose a limb or die during your trip due to covered accidents.
• Rental car damage – Covers repair costs if your rental car is stolen or damaged.
• Travel assistance services – Provides 24/7 help with things like emergency medical referrals, hospital admission guarantees, interpreter services, and embassy/consulate help.

Bali Travel Insurance: Key Factors That Affect Cost

The cost of Bali travel insurance depends on several important factors:

• Trip duration – Longer trips cost more to insure.
• Types of coverage – The more protections you add, the higher the price.
• Policy limits – Higher medical or baggage limits raise the premium.
• Deductible amount – Choosing a higher deductible lowers the rate.
• Age – Older travelers usually pay more than younger folks.
• Pre-existing conditions – Coverage can cost more if you have prior health issues.
• Adventure activities – Policies with extra activity coverage are pricier.

On average, expect to spend around 4-8% of your total Bali trip cost on a comprehensive travel insurance policy. Those taking part in high-risk adventures or who have health conditions may pay more.

When to Buy Bali Travel Insurance

It’s smart to purchase travel insurance right after booking your Bali flights and hotels. This offers the maximum amount of pre-trip cancellation coverage.

You can still buy a policy later on, but your cancellation protections may be reduced. If a hurricane or other major event occurs before you insure your trip, any related claims will not be covered.

Ideally, square away your Bali travel policy 1-2 months before departure. This gives you time to read the fine print and ensures you can make cancellation claims if necessary.

Where to Buy Travel Insurance for Bali

You can purchase travel insurance for your Bali vacation in a few ways:

• Directly from insurers – Most major companies like Allianz , AIG , Trawick International , and more sell policies on their websites.
• Travel agents – Ask the agent booking your Bali trip to add travel insurance.
• Third-party websites – Aggregator sites like Squaremouth, InsureMyTrip, and TripInsurance.com compare policies across insurers.
• Credit card benefits – Some cards include limited trip cancellation/interruption protections when you pay with them. But it likely won’t be enough coverage on its own.

Purchasing directly from an established insurer or via a comparison site is best, as you can easily compare multiple plans and pricing.

What Does Travel Insurance Not Cover in Bali?

While travel insurance provides excellent protections, some things aren’t covered. Typical exclusions include:

• Pre-existing medical conditions (unless waiver purchased)
• Mental health disorders
• Pregnancy and childbirth
• Alcohol or drug related incidents
• Dangerous/illegal activities
• War or terrorism
• Government authority detainment or seizure
• Loss/damage of cash, fragile items, or valuables

It’s essential to read your policy fine print so you understand what is exactly and what it doesn’t covered. Never assume certain losses will be reimbursed unless stated explicitly in the benefits.

Types of Travel Insurance for Bali Vacations

Now let’s explore some of the main types of travel insurance coverage to consider for a Bali trip:

Emergency Medical Insurance

One of the most vital protections for international travel is emergency medical coverage. It protects you if you get hurt or sick in Bali and need immediate treatment.

Typical emergency medical benefits include:

• Doctor visits and hospital bills
• Prescription medications
• Ambulance transportation
• Emergency dental care
• Medical equipment rentals
• Mental health crisis coverage

Without medical coverage, you could incur thousands in hospital bills if you need emergency care in Bali. Most US health plans only provide limited coverage abroad, if any at all. Verify before you go.

You’ll want at least $100,000 in emergency medical coverage for Bali, but $250,000 or more is better. Set your deductible around $200-$500 to save on premiums.

Emergency Medical Evacuation Insurance

In serious cases where local Bali hospitals can’t provide proper care, emergency medical evacuation coverage pays to transport you home or to a location with suitable medical facilities.

This includes a medical escort if needed and covers the cost of an air ambulance. Evacuations without insurance can cost tens of thousands of dollars.

Emergency medical evacuation is typically included in comprehensive travel medical coverage. Make sure your policy has a repatriation of remains provision as well to transport your body home if you die abroad.

Trip Cancellation Insurance

Given Bali’s popularity, you’ll likely prepay for hotels, tours, and flights months in advance. Trip cancellation insurance lets you recoup those costs if covered situations prevent you from traveling.

Some common covered reasons for canceling include:

• Injury, illness, or death of you, a close relative, or traveling companion
• Mandatory jury duty or military service
• Terrorist attack or natural disaster at your destination
• Home emergency like a burglary or fire
• Job loss or layoff
• Traffic accident on the way to the airport

This coverage protects the hefty upfront investments you make on your Bali travels. Make sure to insure your trip within 14 days of putting down deposits to get maximum cancellation coverage.

You can also buy cancel for any reason (CFAR) upgrades if you want to cancel for scenarios not traditionally covered, like COVID-19 concerns. Keep in mind this only reimburses around 50-75% of your costs.

Trip Interruption Insurance

Should covered events disrupt and cut short your Bali vacation, trip interruption insurance helps recoup prepaid portions of your trip and get you home safely.

If a terrorist attack occurred in Bali during your stay, for instance, this coverage would reimburse you for the unused part of your vacation and pay for a flight home.

Other common covered reasons for interrupting a trip include:

• Injury or illness of you or a traveling companion
• Death or hospitalization of an immediate relative
• Inclement weather that makes continuing the trip impossible or dangerous
• Jury duty or military duty back home
• A mandatory evacuation order at your destination
• Natural disasters that render the area uninhabitable

Some policies may cover circumstances unique to Bali as well, like volcanic eruption or earthquakes. Carefully review what scenarios your insurer includes under interruption coverage.

Adventure Sports Insurance

From snorkeling and surfing to whitewater rafting and paragliding, Bali is a haven for thrill-seeking travelers. But adventure sports come with inherent risks of injury.

Make sure any activities you plan are covered under your standard policy. If not, you’ll likely need to add specialty adventure sports coverage.

This provides protection if you get hurt doing things like:

• Scuba diving
• Parasailing
• Bungee jumping
• Mountain biking
• River rafting

Adding adventure sports coverage also boosts policy limits for emergency medical, evacuation, and trip cancellation/interruption related to participating in those high-risk activities.

Baggage & Personal Items Coverage

Between airline mishaps and thefts, lost, damaged, or delayed luggage is a real possibility on trips. Baggage insurance covers costs to replace or repair your belongings.

If the airline loses your bag on the way to Bali, this coverage pays for essential toiletries and clothing while you wait to get it back. And if your baggage is damaged or lost for good, it reimburses repair or replacement costs up to your coverage limits.

Typical baggage benefits include:

• Lost, damaged, or stolen luggage or personal items
• Delayed baggage necessitating purchases of essential items
• Rental fees for camera or sports equipment replacements
• Costs to replace lost or stolen travel documents like passports

Just be aware of coverage exclusions for high value items like jewelry, electronics, cash, antiques, and more. These should be left at home or carried in your pocket.

Rental Car Damage Coverage

Renting a car or motorbike is a popular way to explore Bali’s winding roads and picturesque countryside. Ensure you’re covered if your rental gets stolen or damaged.

Many credit cards include limited rental vehicle coverage if you pay with them. But for robust protection in Bali, a dedicated rental car damage policy is smart.

This reimburses your rental car deductible and covers things like:

• Theft, vandalism, or collision damage to the vehicle
• Windshield or tire damage
• Loss-of-use fees charged by the rental agency while the vehicle is out of commission
• Towing and roadside assistance costs

If renting a motorbike, make sure that specific type of vehicle is covered, as some policies may exclude two-wheeled automobiles. Also confirm liability insurance meets Bali’s requirements.

Travel Accident Protection

Travel accident coverage provides an extra layer of protection if you suffer dismemberment or die from a covered accident on your Bali trip.

This pays a lump sum cash benefit to you or your beneficiaries based on the type of injury sustained. For instance:

• $50,000 for loss of life
• $25,000 for loss of both hands or feet
• $12,500 for loss of one hand or foot

So if you lost a limb in a severe motorbike crash, the payout could help cover medical bills and lost wages during recovery.

Travel accident coverage is usually sold as an add-on policy. Individual limits between $100,000 and $500,000 are common.

Travel Delay Insurance

Flight delays and cancellations can happen, especially during Bali’s rainy season. Travel delay insurance reimburses expenses like meals, hotels, and toiletries if your trip is delayed a set number of hours, usually around 12.

If you get stuck abroad because of a lengthy delay, coverage is also included for costs like:

• Additional accommodation fees
• Airport lounge access
• Internet usage fees

Some policies may also reimburse prepaid expenses like tours, activities, and hotel nights missed due to travel delays. Just be sure to take extensive notes and keep receipts.

Pre-existing Medical Condition Coverage

Most standard policies exclude claims related to pre-existing medical problems. But if you have an ongoing issue like diabetes, asthma, heart disease, etc., a pre-existing waiver lets you add coverage for flare-ups of those conditions.

This is vital protection for travelers with health concerns. Flare-ups do happen, and hospitals bills in Bali for pre-existing conditions could easily top $100,000 without insurance.

Just be aware you must purchase the waiver and have coverage locked in within a set timeframe after booking your trip – usually 14 to 30 days. This prevents people from buying it only when illnesses arise just before departure.

COVID-19 Medical Coverage

As the pandemic wanes, more insurers are removing automatic COVID-19 coverage from plans. But you can still buy policies with coronavirus protections.

COVID coverage pays for testing, treatment, and even quarantine/isolation accommodations if you contract the virus during your trip. It acts much like emergency medical coverage but strictly for COVID-19 illnesses.

This is worth considering if COVID or a new variant remains a concern in Bali leading up to your trip. You don’t want to get stuck abroad with no coverage for virus-related costs.

Bali Travel Insurance Claim Filing Tips

While no one hopes they’ll need to file an insurance claim on their Bali vacation, it’s good to understand the process in case the need does arise:

• Notify your insurer ASAP – Call right away if you need medical care, evacuation, or other immediate emergency services. Delayed reporting could reduce claimable amounts.
• Keep detailed notes – Document all incident details, expenses incurred, official reports, dates/times, and other claim-related data.
• Save all receipts – Hold onto receipts for medical costs, hotels, flights, medications, or any other out-of-pocket expenses. Insurers require them for reimbursement.
• Complete paperwork fully – Provide all details accurately and honestly on claim applications. Missing or incorrect data could mean denied coverage.
• Follow up frequently – Don’t be afraid to check in regularly on claim status after submission. The process can take 45 days or longer in some cases.
• Appeal denials – If your claim gets denied and you disagree with your insurer’s decision, file a written appeal explaining why. Sometimes this leads to a reversal or partial payment.

Final Thoughts on Bali Travel Insurance

A Bali vacation lets you experience incredible tropical vistas, unique Balinese cultural sights, and thrilling outdoor adventures. But to do so safely, travel insurance provides vital protections.

Comprehensive policies with emergency medical, evacuation, trip cancellation, and trip interruption coverages are highly recommended. Carefully assess your needs and budget to select suitable coverage limits and add-ons like rental car damage or adventure sports.

Buying from an established insurer through aggregator sites like SquareMouth and InsureMyTrip makes finding the right Bali travel insurance plan easy.

While no one anticipates injuries, illnesses, or trip disruptions, having this safety net gives you peace of mind so you can fully embrace the magic of Bali!

Frequently Asked Questions About Bali Travel Insurance

1. when should i buy travel insurance for my bali trip.

You should purchase Bali travel insurance immediately after booking non-refundable portions of your trip, like flights and hotels. This gives you the most cancellation coverage.

Aim to buy a policy within 2-3 weeks of trip payments at the absolute latest. Just note that events known before insuring won’t be covered.

2. What factors make Bali travel insurance cost more?

Several things can increase your premiums, such as a more extended trip, being over age 70, adding extra coverage like adventure sports or rental cars, choosing higher benefit limits, having pre-existing medical conditions, or purchasing “cancel for any reason” policies.

3. Does Bali require travel insurance?

No, Bali does not legally require proof of travel insurance upon entry. However, protecting yourself in case of accidents, illnesses, thefts, and other unpredictable mishaps is still strongly recommended. Many risks exist whether travel insurance is compulsory or not.

4. What medical conditions aren’t covered?

Most insurers exclude claims related to pre-existing conditions, mental health disorders, pregnancy, drug/alcohol abuse, sexually transmitted diseases, and other issues stemming from prior illnesses or reckless behaviors.

5. Can I buy Bali travel insurance to cover COVID?

Yes, many insurers now offer plans that include COVID-19 medical coverage for treatment costs if you contract the virus on your trip. Quarantine costs may also be covered along with trip cancellation.

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Bali Travel Insurance

Planning on travelling to Bali? You're not alone! With its soft sandy beaches, wild nightlife, stunning sacred sites and exotic cuisine, it’s no wonder more than 1 million Australians are drawn to the beach-fringed paradise island each year.

Despite its idyllic veneer, Bali comes with some risks and can be tough to navigate in times of trouble.  From injuries and illnesses such as Bali-belly, scooter accidents and monkey bites; to cancelled flights due to volcanic ash clouds, tsunamis and earthquakes, travel insurance  is essential to protect you and your Bali holiday.   Not sure about Bali travel insurance or new travel requirements? We're here to help. Travel to Bali | Bali travel insurance | What is covered? | What isn't? | Natural disasters | Riding a scooter | Handy contacts  | Bali Travel Faqs

Travel to Bali

• Have evidence of insurance coverage for COVID-19
• Possess a visa (as currently regulated)
• ​Be fully vaccinated with vaccines approved by the WHO (Pfizer/BioNTech, Moderna, AstraZeneca, Janssen/Johnson & Johnson, Sinovac, Sinopharm)
• Present a PCR / SWAB test result taken a maximum of 72 hours before departure
• Undergo Mandatory quarantine for 8 nights in a government-appointed hotel in Jakarta (plus 2 x PCR tests in Indonesia) 
• Register with e-HAC Indonesia health app

Do I need travel insurance for Bali?

It is not compulsory to have travel insurance to enter Indonesia, however, it is highly recommended.  If there is only one reason you should take out travel insurance, it is for medical cover.  It's important to remember that you're not covered by medicare in Indonesia and the Australian Government won't pay for medical costs or emergency evacuation should the occasion arise. Some of Australia's favoured cheap holiday destinations can be the most expensive when it comes to accessing emergency flight access out. A medivac from Bali to Australia would set you back between $30,000 - $40,000.  A travel insurance policy for 7 days is likely to cost you less than 50 bucks. Don’t let your travel bug bite you on the bum or have your trip end in financial ruin -  pack  travel insurance  along for the ride.

Compare travel insurance for Bali

Whether you're a budget-conscious backpacker, a surfer seeking waves, being tempted by the thousands of temples or seduced by sipping cocktails on a relaxing beach break, it pays to compare travel insurance policies to find the right cover for your trip.

When comparing Bali policies, it's important to consider benefits, as well as costs.

The cost of travel insurance can vary enormously! Say you’re 30ish years old and you’re going to Bali for a one-week holiday. Depending on your preferred level of cover, you can expect to pay anywhere from $32 to $250. 

Basic policies for around $20 – $50 you can expect (generally speaking) medical, personal liability and unexpected travel expenses. 

Mid-level policies for around $30 – $60 you can get decent cover which includes benefits like medical, cancellation, personal liability as well as some cancellation and luggage cover. 

Comprehensive policies for around $60 – $250  offers generous cover including medical, cancellation, personal liability, luggage, luggage delay expenses, hospital cash allowance, travel documents and unexpecte   d travel expenses.   The following table shows comprehensive travel insurance cover levels for Bali. To get a quote specific for your trip please use the quote box at the top of the page. 

Travel Insurance Bali benefits

• 24/7 Medical assistance

Food poisoning, drink spiking, malaria, dengue fever and moped accidents are all high on the risk scale in Bali. Overseas medical costs can be huge! Luckily, your policy will cover the exorbitant expense of overseas medical cover.

• Cancellation cover

Otherwise, travel insurance will usually cover unforeseen cancellations for events such as natural disasters, as well as accidents, hijackings, severe sickness or injury.

• Lost or damaged Luggage

Petty crime, such as opportunistic theft, is common in Indonesia. Your travel insurance will reimburse you for lost, stolen or damaged luggage. Comprehensive cover also includes cover for theft of cash and travel documents too.

• Travel delays

Bummer, your flights delayed, now what!? If your transport is postponed due to an unforeseen reason, your out-of-pocket accommodation, meals, and transport costs would be covered until you get back-on-track. Note, this benefit probably won't kick in if you only have a short delay which is less than 6 hours. 

• Family emergency

It's always a worry going on holiday leaving loved ones behind. Never fear, should a close relative, or the person you’re travelling with become seriously ill, injured or heaven-forbid die, your travel expenses would be claimable. Restrictions can apply for relatives age, medical conditions and where they live. 

• Personal liability

If you injure someone or are held accountable for damaged property in Bali the consequences could be disastrous, particularly when you are unfamiliar with local laws and regulations. In such an event, your policy will cover your liability costs to a degree. 

WHAT DOES BALI  TRAVEL INSURANCE COVER?

What it doesn't....

• Riding risky:  It’s a tried and true tourist tradition to  hire mopeds or scooters in Bali , despite most having never attempted to do so! Balinese roads are hairy, to say the least. The stats say it all; each day at least three people die in crashes in Bali and 150 accident victims require medical treatment. Be warned that your insurer will not cover you if you are found riding without a current Australian license (valid in the country you are in) or a helmet.  
• Unattended items : Keep a strong hold over all your belongings as leaving your stuff unsupervised will not be covered.  
• Being intoxicated : Whether your drink of choice is a Bintang or Bali Breeze, all claims related directly to alcohol and drugs will not be paid. Have fun in moderation…Schoolies beware!  
• Terrorism and travel warnings : Since the Kuta bombings of 2002, government bodies have warned tourists to 'exercise a high degree of caution' in Bali.  While the chances of getting caught up in an act of terrorism are small, it’s still a good idea to keep up to date with travel advisories on sites like  smarttraveller.gov.au .  Generally travelling against DO NOT TRAVEL warnings from the Australian Government will jeopardize your cover.  
• High-risk activities:  Adventure activities are plentiful in Bali. From rock climbing to scuba diving, adrenaline junkies are spoilt for choice. But watch out, as participating in  particularly risky activities  such as climbing (where ropes are needed), cliff jumping or sky diving may not be covered by your policy.  Be sure to scan your policy’s small print to check out which of your preferred heart pounding activities are covered.  
• Pre-existing conditions :  Medical conditions  that exist before you travel are generally not covered, but it pays to check. You can sometimes pay a bit extra to get some conditions covered. Check your policy wording to see what conditions are covered automatically, and which ones require a medical assessment first.  
• Unreported items:  You need to report theft or loss to the relevant authority ASAP (and your travel insurance provider) within 24 hours.

natural disasters in Indonesia

Not all insurers cover natural disasters.

Like every type of insurance, there are conditions you need to pay attention to. We've highlighted some conditions around natural disasters for a few insurers you may need to pay extra attention to. Insure4 less: Cover for hurricane, storm or other natural disasters only when it threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable. Insure and Go: Medical cover due to any natural disaster is automatically covered however for cancellation you must purchase this option as an additional extra. No Worries: Only covers for natural disasters in Australia. Tick Travel Insurance: To include an unexpected Natural Disaster as a claimable event, you must have purchased this option and the option must be shown on your Policy Schedule.

riding a scooter in Bali

• Some insurers do not require you to have a motorcycle license if you ride a low capacity engine and cover you for a bike 50cc - 125cc.  
• Others may have maximum engine size limits which you’re limited to ride irrespective of what your license says.  
• And some insurers cover you for whatever engine size you ride as long as you're licenced to do so in Australia and your license is valid in the country you are riding in.

how to  Save on Bali travel insurance

• Choose your destination wisely –  You might be able to save yourself a few buckaroos by finding an insurer that classes Bali in its own price bracket, rather than grouped under Asia. Eugene's (The King of Insurance) Top Tip!    Picking 'Bali' as your destination, rather than 'Indonesia'  if you're only heading to Bali might save you a few buckeroos!  
• Consider how often you travel  - If you travel a few times per year, you could save by purchasing an  annual multi-trip policy  rather than purchasing a policy each time you take off.  
• Combine policies  - If travelling with your family or a companion, a  joint policy  is often cheaper than purchasing separately.  
• Increase your excess  - Most insurers allow you to lower your premium by opting to pay a higher excess in the instance that you need to make a claim.  
• Shop around  - You'll be amazed at how much travel insurance quotes can vary. Offers by travel agents or airlines usually have commissions added on. In fact, you can save up to 50% by shopping around, so it pays to buy your  travel insurance direct.  Doing your comparison online will allow you to compare loads of quotes in seconds. Yippee

BAli fun facts

• Capital:  Depesar
• Currency:  Indonesian Rupiah
• Language:  There are 580 different dialects spoken in Indonesia!!
• Culture:  Bali is home to religious sites such as the cliffside Uluwatu Temple
• Nightlife:  Kuta is a tourist favourite known for its lively bars, while resort towns like Seminyak, Sanur and Nusa Dua offer a more laid back, family-friendly alternatives
• Nature:  The Volcano Agung is considered the most sacred site on the island
• Food & drink:  Bali is home to the world’s most expensive coffee –a unique blend named ‘Kopi Luwak’ made from the civet cat's droppings! Would you pay $50 a cup?
• Beaches  – The wild waves of Uluwatu, Pandang Pandang and Impossible beaches attract the surf-mad crowd, while tourists who favour the beaten track take to Bali’s unique black sand volcano beaches
• Visa : Aussies can buy a 30-day visa on arrival

Safety Speed Dial

Found yourself in a pickle? Should you encounter a Bali blunder the following emergency contacts are good to have on hand.

Government Tourist Information Centre Jl.Bana Sari No.7 Legian Kuta Denpasar Bali Phone: 754 092 Australian Embassy Jakarta Jalan H R Rasuna Said Kav C 15-16 Jakarta Selatan 12940 INDONESIA Phone: +62 21 2550 5555 [email protected] Bali Police Headquarters Jalan WR Supratman Denpasar Bali Phone: 0361 227 711  Australian Consulate General Bali Jalan Tantular 32 Renon Denpasar Bali 80234 Phone: +62 361 241 118  

Ready to find your perfect Bali travel insurance policy?

Stuff going wrong on holiday shouldn’t be your foremost concern when planning your trip. After all you’ve got an exciting itinerary to navigate! But like it or lump it, without safeguarding your travels, all the fun stuff could be nullified in the flash of an eye.

Compare Bali travel insurance policies  to save time, worry and loads of money. You’ll be on your way to a relaxed, worry-free holiday quicker than you can say “terima kasih” (thank you)!

Bali Travel Insurance FAQs

What is the current covid situation in bali.

As of 13 July 2021, the Ministry of Health Indonesia reported a total of 56,697 COVID-19 cases for Bali since the pandemic began. There were 50,094 recovered cases, giving a recovery rate of 88.35%. The total number of COVID-19 cases in Indonesia reached 2,567,603. You can refer to WHO for comparative COVID statistics.

How much does travel insurance to Bali cost?

The cost of travel insurance will largely depend on your age and how long you're going for. Comprehensive Travel Insurance to Bali for 7 days for a 30-year-old can cost as little as $35. That's peace of mind for $5 a day. A small price to pay for you to enjoy your holiday knowing you're protected should the unexpected happen.

Am I covered if my trip is disrupted by a terror attack?

Most travel insurance policies will cover you if you are injured in a terror attack on your holiday. But wanting to cancel your trip because you are worried about acts of war often aren't covered. Learn more about travel insurance and terrorism here.

Does picking Bali also cover Lombok?

When getting quotes for Lombok or the Gilli Islands, please select Indonesia, rather than Bali to ensure you are covered for all islands you visit.

Am I covered if a monkey pinches my camera?

Yes, assuming you have a comprehensive policy with luggage cover. If a naughty monkey pinches your camera and you don't get it back you may have provision to claim to replace it.

Is buying online through a comparison website the same as buying direct?

Yes, the prices on our comparison are the exact same as you'll get by going direct. We are paid a small referral fee for each policy we pass on that gets purchased.

What does Bali travel insurance cover?

A comprehensive policy for Bali will usually cover you for medical benefits should you end up with Bali belly, luggage protection if a monkey steals your camera, trip cancellation if a volcano decides to erupt, theft of cash if your purse is pickpocketed, alternative transport if your transport is no longer viable and much more.

Eugene Wylde

Eugene is the king of insurance! Having spent more than ten years raising awareness on the importance of holiday protection, he is a self-confessed insurance geek extraordinaire when it comes to the world of travel cover. Eugene loves helping people save time, worry and loads of money with the right policy at the right price. His ideal holiday is any one where he has a pina colada in his hand. Salut!

OTHER HANDY  Tips & Guides

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Taking your gap year? If you’re pining for all things Pommy you’re not alone. Over 500,000 of us Aussies are drawn there each year!

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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