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Best Travel Insurance for Bali – Price & Requirements

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.

Tegallalang rice paddies, the best travel insurance for Bali

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 .

World Nomads, best travel insurance for 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.

Balangan Beach, how much insurance for travel to Bali costs

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!

Ascen Aynat

Cómo tener internet en Indonesia sin utilizar el roaming y sin gastar una fortuna

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.

Do I need travel insurance to visit Bali?

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

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.

According to official sales data from Squaremouth , travel insurance for Indonesia costs, on average, $262.90.

Our official sales figures over the past year show that our customers paid an average of $122.46 for travel insurance to Bali and wider Indonesia.

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

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.

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.

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.

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 .

About the Author

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 five 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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The Best Bali Travel Insurance Policies: The Guide for 2024

Going on a Swing? You need Bali travel insurance!

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?

If you go to Bali without travel insurance you are being a monkey!

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.

Best things to do in Bali: The Epic Experiences List for 2024!

Is travel insurance mandatory for Bali and Lombok?

Does Bali travel insurance cover riding motorcycle? It depends...

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 you are admitted to hospital emergency it's too late to get insurance

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?

If you go to the Gilis or Lombok your luggage will ride in an open wooden boat - so you need insurance!

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

When the next volcano errupts, you absolutely want to have travel insurance!

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

Snorkelling is an adventure sport, not having insurance is unwise

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

Get your gear covered, theft, damage, harsh climate and accidents can all happen

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 your travel insurance policy before you leave home and keep the novels for the beach!

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.

Welcome to Bali paradise, knowing you are insured

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

18 Best Things To Do in Bali: The Nature Lovers’ Bucket List

Where is bali located discover where is bali, indonesia..

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Manta Bay or Kelingking Beach on Nusa Penida Island, Bali, Indonesia.

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

with our comparison partner, Squaremouth

Sabrina Lopez is a senior editor with over seven years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she’s not working, 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

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Bali. The below quotes are for a 30-year-old traveler from Florida, traveling to Bali for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

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

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

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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.

Low aerial view of a Hindu temple by a blue lake.

The Broke Backpacker is supported by you . Clicking through our links may earn us a small affiliate commission, and that's what allows us to keep producing free content 🙂 Learn more .

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.

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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.

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.

The savvy fin-tech insurer Faye provides whole-trip travel coverage and care that brings out the best in each journey with industry-leading technology that enables smarter and smoother assistance with faster claims resolutions. Their excellent app-based travel insurance covers your health, your trip and your gear all via an app that provides real-time proactive solutions, quick reimbursements and 24/7 customer support.

If you ever do need to make a claim, then you simply log in to the app and the claim will be assessed super quickly from anywhere in the world! My friend made a claim and was able to manage everything directly on the app. She was even able to purchase ‘Cancel for Any Reason’ Insurance that allows you to quite literally cancel for any reason, and be refunded up to 75% of non-refundable bookings.

Best of all, if the claim is successful then the funds will be immediately credited to the smart wallet on your phone or device and ready for you to spend.

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!

Aiden Freeborn

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Is it true we need to have at least $25,000 in travel insurance coverage for Covid related expenses? I thought that was a condition of entry at the moment?

Travel Insurance for Bali

Travelling to bali.

Bali is a popular overseas destination for Australians – it’s beautiful, close to home, and can be budget friendly. This island paradise caters for a variety of holiday styles. Choose your tempo – surf, sand and sun at Seminyak or unearth your inner bliss at a rainforest retreat in Ubud.

But as with every destination, there are risks when travelling in Bali. This is where a travel insurance policy may come in handy. Before you leave home, consider the benefits of Allianz Travel Insurance that is designed to cover you for overseas emergency assistance. See the Product Disclosure Statement (PDS) for all terms, conditions, exclusions, limits and applicable sub-limits that may apply.

Why choose us?

Thousands of satisfied customers, network of medical experts, emergency assistance available, we’re an established insurer, choose your plan.

Basic Travel Insurance

Overseas Emergency Assistance 2
Overseas Medical & Hospital Expenses 2
Personal Liability 2

Comprehensive Travel Insurance

Overseas emergency assistance, medical and hospital expenses 2
Unexpected trip cancellation 2
Loss of or damage to luggage and personal effects 2

Multi-Trip Travel Insurance

Overseas emergency assistance, medical and hospital expenses 2

Health and safety when travelling in Bali

Staying safe

Theft and petty crime are common in Bali. Keep your valuables on your body and stay alert, especially in crowded areas and at night.

There’s also the possibility of volcanic eruptions and tsunamis, as well as other natural events. Refer to Smartraveller for current travel alerts affecting Bali before you buy a policy, before you leave Australia, and during your travels.

Keeping healthy

Health risks in Bali can include diseases such as malaria, dengue fever, Japanese encephalitis and rabies. You may wish to consult with a travel doctor or clinic before travelling to understand any options for preventative measures.

Some medications are illegal in Indonesia, and harsh penalties can apply even if you have a valid prescription. Make sure your medication is legal before you arrive.

You may need to be evacuated for treatment elsewhere if you become seriously ill or injured. Being uninsured may mean you have to arrange payment for your evacuation before you can be treated.

Being prepared for adventures

Adventure activities

Bali is world-famous for its surfing, with thousands of tourists flocking to the legendary beach breaks and reefs each year.

Allianz Comprehensive Travel Insurance is designed to cover activities like surfing and snorkelling. If you plan on getting more adventurous with activities like abseiling or riding a motorcycle, consider buying an Adventure Pack as an optional add-on. 2,3

Read the PDS for a full list of sports and activities automatically included in the Comprehensive or Multi-Trip plans, as well as what additional activities the Adventure Pack is designed to cover.

Riding mopeds and motorcycles

Riding motorcycles, motorised scooters and mopeds aren’t activities covered under a Comprehensive, Basic or Multi-Trip plan.

If you plan to ride motorcycles, mopeds, motorised scooters or quad bikes as either the driver or pillion passenger in Bali, you might want to consider buying an Adventure Pack for an additional premium, which is an optional add-on for our Comprehensive and Multi-Trip plans. 2

The Adventure Pack is designed to cover eligible policy holders while riding on a motorcycle, moped, motorised scooter or quad bike 2,3 if you meet the following conditions:

You hold the appropriate class of licence (excluding learners licences) in Australia for the vehicle you’re driving, or if your Australian licence isn’t recognised in that country – a licence valid for the country you’re riding in.
When you’re riding as a pillion passenger on a motorcycle, moped or motorised scooter, the driver holds a licence valid for that vehicle and for the country it’s being ridden in.
You’re the driver of a quad bike and you’re not carrying a pillion passenger. Note that you’re not covered if you ride as a pillion passenger on a quad bike.
You wear an appropriate safety helmet at all times.
You aren’t racing or riding a motorcycle, moped, motorised scooter or quad bike in a professional capacity.

Ready to find your travel insurance for Bali?

Frequently asked questions.

If you get sick or injured on your trip, depending on the plan you select, travel insurance may help with your medical expenses, as well as the costs of rescheduling your travel arrangements 2 .

An Allianz Basic Travel Insurance policy is designed to cover overseas medical and hospital expenses 2 , including if you’re positively diagnosed with COVID-19 1 . For coverage that’s designed to include the above, plus events such as accidental death and permanent disability 3 , consider choosing our Comprehensive Travel Insurance 2 .

You can compare Allianz Travel Insurance plans to find out which product best suits your needs.

It’s important to understand that our policies have a number of general exclusions such as:

‘Travel alerts and other warnings’ which excludes claims that arise because you didn’t follow an advice or warning that a reasonable person would have been aware of that was either issued by the Australian government (‘Reconsider your need to travel’ alerts or ‘Do not travel’ alerts) or which was published in a reliable mass media source.

‘Aware of circumstances’ which excludes claims that arise when at the time of buying the insurance, you were aware, or a reasonable person in your circumstances would have been aware, of something that would give rise to you making a claim under the policy.

If you weren’t aware, or a reasonable person wouldn’t have been aware, of a volcanic eruption or ash cloud when you bought your policy and your trip is subsequently delayed or cancelled as a result of an ash cloud, you may be covered 2 . You must, however, follow government advice.

If there is a travel alert or government advice in effect, or circumstance you were aware of, or a reasonable person would have been aware of, at the time a policy is bought, we may deny your claim as this would be considered a known event for the purpose of the ‘Aware of circumstances’ General Exclusion.

Check Smartraveller for current travel alerts affecting Bali before you buy a policy, before you leave Australia, and during your travels.

Best Travel Insurance for Bali

updated October 8, 2022, 5:32 pm 35.2k 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.

Bali travel insurance

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Unfortunately my flight to Bali was cancelled by the airline the night before I was to depart, and I couldn’t get on another flight until 3 days later. This put me out of pocket for the accommodation that I had booked, totalling around $1,500 for those 3 nights. After I arrived back from my trip, I lodged a claim with Allianz who reimbursed me for those prepaid expenses (less a $300 excess). The claims process was super straightforward. I filled out an online form, uploaded my documentation like tax invoices and the cancellation email. Within 4 days, Allianz had approved my claim and I received the funds a week later. It was the best outcome from a bad situation.

Why do I need travel insurance in Bali?

It can cover you for emergency medical treatment.
It can cover medical expenses caused by injuries and accidents, unless it's from an excluded activity.
It can pay for transport to hospital by helicopter or ambulance, as well as medical evacuations back to Australia.
If you're renting a car in Bali, make sure you have car rental excess cover.
Pickpocketing can occur in Bali. Travel insurance can cover you for lost or stolen valuables. This could include rings, necklaces, phones and watches.
Bali is home to active volcanoes. Travel insurance can cover travel disruptions caused by natural disasters.
Terrorism is a risk in Bali. A few insurers provide cover for medical and hospital expenses caused by an act of terrorism, including the cost of bringing you back home.

Looking for the best travel insurance for Bali? Check out our award winners in 2023

Tick travel insurance has ranked first place for customer satisfaction in 2023 .

This survey was conducted by Dynata, where 95% of respondents said they would recommend Tick to a friend, and it scored the highest in the 'value for money' category.

Finder comprehensive travel insurance awards winner

Southern Cross Travel Insurance has taken the top position in the 'Travel insurance - Comprehensive' category for the 2023 Finder Awards . Why? It's got to do with its wide COVID-19 coverage and how it handles cancellations due to unexpected events.

Adding to that, its average pricing was pretty affordable compared to other brands who offer less coverage for a higher price.

Finder travel insurance value awards winner

Fast Cover is the winner of the 2023 Finder Awards for the 'Travel insurance - Value' category. How? We compared the average prices of 28 international travel insurance policies, and Fast Cover came out on top.

But what does ' value' mean? It means we looked at more than just price. Fast Cover doesn't include everything on its policies, but it offers good value.

Finder domestic travel insurance award winner

InsureandGo has taken the top place for the 'Travel insurance - Domestic' category in the 2023 Finder Awards .

Why? We analysed 23 domestic policies and found that InsureandGo were generous with their benefit limits for things like cancellation and rental car excess insurance.

Finder seniors travel insurance awards winner

Southern Cross Travel Insurance is the winner of the 'Travel insurance - Seniors' category in the 2023 Finder Awards . Why? It has higher age limits and generous benefits.

We also appreciated SCTI's easy-to-read product disclosure statement. This means that customers can easily understand their policies, and travel with confidence.

Fast Cover Travel Insurance's COVID-19 Benefits & Refund Policy earned it a place among the finalists in the Insurance Innovation category of this year's Finder Innovation Awards .

It goes further than many other insurers, covering COVID medical expenses and evacuation, up to $5,000 for COVID-related cancellations and additional expenses.

Bali travel insurance: Common exclusions

Every travel insurance policy has things you won't be covered for. Common exclusions include:

If you purchase cover after the incident has occurred. For example, if you take cover out after you've been injured and need medical attention.
Pre-existing medical conditions. If you have any major medical conditions, make sure you let your insurer know before taking out a policy. Otherwise you won't be covered for claims related to that condition.
You travel despite government travel advice. For example, if you travel to areas that have a warning from Smartraveller, such as the provinces of Papua (Papua), Papua Highlands (Papua Pegunungan), Central Papua (Papua Tengah) and South Papua (Papua Selatan), travel insurance may not cover you.
Incidents that occur while you're under the influence of drugs or alcohol. For example, if you go out drinking in Seminyak, get injured and need medical attention, travel insurance won't cover you.
Driving vehicles without a licence. Like Australia, you won't be covered for medical costs or personal liability expenses if you drive without a licence in Bali.

What add-ons should I look for?

If you have plans to zoom around Bali on a scooter or motorbike, make sure to have the right license, and the right policy.
Bali is a surfers' paradise. Protect yourself from accidents while on your board, and from whatever is underneath your board.
Taking a dive into deeper waters? Some policies can cover you if you're diving between 10-30m below the surface, but you'll need extra cover if you're going deeper.

Will I be covered for COVID-19?

Travel insurance can cover you for COVID-19 in Bali. A policy can cover you for the following:

Rearrangement costs if you catch the virus and need to change your plans. Lots of comprehensive travel insurance policies let you claim up to $5,000 towards these expenses.
Medical costs due to COVID-19. This can include hospital expenses and RATs if you catch COVID-19 while overseas (but you won't be covered for mandatory PCRs).
Expenses if you need to isolate. For example, if you catch COVID while you're overseas and need to push back your flight and stay in your accommodation longer.

How do I get cheap travel insurance for Bali?

Medical only or basic policies will generally be the cheaper policies on the market.
Use exclusive deals or promo codes to get a discount.
Opt for a higher excess. This will make your policy cheaper but more expensive if you have to claim.
Compare across a handful of travel insurers – they're not all the same.
Get the most value by buying your policy early. It means you're covered for longer while paying the same price.

When I travel, I don't want to fork out a lot for travel insurance. I always get something above the bare minimum though which usually only covers medical-only expenses. Flight disruptions and delayed luggage are really common, so look for a cheap policy that covers me for these things.

Gary Ross Hunter Finder's travel insurance senior writer

What do I do in emergencies?

For emergencies: call 112 (police), 112 (ambulance) or 112 (fire).

In a medical emergency, call for help and then contact your insurer on their emergency assistance line.

Civil unrest, security risks, threat of terrorist attack and crime are a concern in Bali, but you should still be eligible for travel insurance. It won't cover all of these situations but it can help cover medical costs, stolen belongings and much much more.

Meet our travel expert Angus Kidman

Angus Kidman is the international editor-at-large at Finder. He's an award-winning journalist, avid travel enthusiast and passionate frequent flyer. Angus appears regularly on Sunrise, Today, The Project, Seven News and other TV and radio shows to share his expert tips.

Angus's top Bali travel insurance tips

Planning to surf in Bali? Check that your policy covers both injuries and damage to your board - many don't.
Take out insurance as soon as you book your trip - that maximises the value of your cover.
Bintang beware: travel insurance likely won't cover your for inuries that occur while you're drunk.

Why you can trust Finder's travel insurance experts

FAQs about Bali

If you're adventurous with street food or forget to avoid drinking drink tap water, you run the risk of getting "Bali belly": make sure you have emergency medical expenses in your travel insurance plan.

Is the water safe to drink?

Water in Bali isn't safe to drink unless it's boiled so it's worth following these tips when you travel:

Only consume tap water if it's been boiled – for example, drinking tea or coffee.
Don't brush your teeth with the tap water.
Ask for no ice in your drinks, just in case it's not been made with boiled water.

Do you need vaccinations for Bali?

Before travelling to Bali all travellers should make sure routine vaccinations are up to date and speak to a doctor about other travel vaccinations.

Smartraveller.gov.au and a doctor can advise the risks of any other diseases/viruses, which can include:

Hepatitis A
Hepatitis B
Japanese encephalitis
Dengue fever

While protection from malaria doesn't require a vaccination and the disease isn't prominent in Bali, some mosquitoes may still carry malaria. Nearby islands do have a higher risk of malaria, so if you're travelling beyond Bali you should take precautions.

Speak to a doctor at least eight weeks before your departure to find out what vaccines you will need, and always protect yourself from mosquitoes.

Remember, if you do not get the recommended vaccines and fall ill while abroad your travel insurance may not cover you, which could leave you with high medical bills.

Which travel insurance is good for Bali?

The cheapest policy will usually only cover you for medical expenses. However, flight disruptions and petty crime are fairly common in Bali so it may be worth getting comprehensive travel insurance. This can cover you for medical expenses, trip rearrangement costs, theft, luggage delay and more.

Do you need travel insurance to go to Bali?

The Australian government's smartraveller site recommends that you take out cover when travelling to Bali. If you can't afford travel insurance, you can't afford to travel.

Which travel insurance company has COVID cover for Bali?

Lots of travel insurers cover COVID-related expenses now. You can find a full table of the policies that cover COVID expenses on our homepage .

Is it safe to travel to Bali?

The Australian government smartraveller website says to exercise a high degree of caution in Bali. You should still be able to get travel insurance for Bali but make sure you do some research before you travel. There may be certain areas of the country that are not safe.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full profile

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10 Responses

I am a 74 year old Pensioner, who spends nearly 6 months of the year in Bali. I have mild Oestesporosis and mild Enphysemia and just need the basic insurance to get me back to Australia if anything were to happen to me in Bali. How much would I be approximately? Would it be cheaper t purchase per the 60 day holiday or to purchase for a year?

Hi Richard,

Based on your situation, a seniors travel insurance might be a good option to consider. It offers benefits such as cover for pre-existing medical conditions and accidents overseas.

The exact cover and premium you’ll pay will vary between providers. Read our guide on Seniors Travel Insurance ( https://www.finder.com.au/travel-insurance/seniors-travel-insurance ) for more information.

When you’re ready, you can get a quote from the providers listed in the guide. Click the green ‘Get Quote’ button to get started.

Before applying, always read a policy’s Product Disclosure Statement (PDS) so that you’re aware of what you’re covered for, along with and exclusions or restrictions.

I hope this helps,

Regards, James

Hi With the volcano issues in Bali, what would be the best cover to get in relation to missed flights, missed work, more accommodation? Assuming you are in Bali when it happens? Thanks

Thanks for your question. It is always advisable to get cover before you leave. As there is no current eruption, there are no moratoriums on the cover.

There is no best cover, as cover needs vary from person to person. To compare your travel insurance options from the brands in our panel, enter your travel details into the form. Once you have done so, you will be able to view the various brands on offer, their cost and levels of cover.

I hope this was helpful, Richard

Does being licenced to ride a motorcycle include L’s?

Hi Gabriella,

Thanks for your question. Generally it means you have to have an unrestricted licence.

I hope this helps, Richard

My wife and daughter are travelling to Bali in June for 9days, obviously they need travel insurance but they would also like cover for riding scooters are you able to give me a quote

Thanks for your question.

If you would like to review how the insurers in our panel treat motorcycle use while traveling, please have a look at motorcycle travel insurance . Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

I have travel insurance with Priceline and was wondering if I am covered if the government puts out a travel warning for Bali where I am travelling to.

Thanks for your question. Unfortunately, finder.com.au is a comparison service. I contacted Priceline and who said at this point in time, they do not have any specific instructions for people travelling to Bali. If you are after specific information in regards to travel warnings, please refer to the General Exclusion section in the PDS. I would be worth pointing out that travel warnings do change, so keep an eye on this be taking advantage of services such as Smartraveller.

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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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Travel Insurance For Bali: The Ultimate Guide to Choosing The Right Protection For Your Holiday

If you’re wondering whether or not to get travel insurance for Bali, we’ve got all you need to know to make an informed decision.

We’re not a travel insurance provider, and thus, our advice is impartial and designed to help you weigh up the different travel insurance options on the market and decide on what’s best for you.

We’ll walk you through everything you need to know about coverage, costs, how to find a policy, the small print, etc. so that if you do opt for travel insurance coverage, you will know exactly what you’re paying for.

What Is Travel Insurance Cover?

Basic travel insurance is often offered by airlines and credit card providers when you book your holiday.

This form of travel insurance usually covers you in the event of trip cancellation (providing alternative transport or a refund of your cost), in the event of lost luggage, and other minor travel-related issues.

There may even be personal effects, such as delayed expenses paid if your luggage arrives late for your Bali holiday. This is some cash to help you buy clothes and other necessities while you wait for your own property to arrive.

Sometimes, it applies for the entire trip duration and at other times, it may only apply for the period of travel getting to and from Bali.

It’s the bare minimum of insurance cover for overseas travel, and it’s normally extremely cheap, and that’s because it’s really concerned with your travel arrangements rather than providing any valuable cover for your time in Bali.

What Is Medical Cover?

Medical coverage (as opposed to health insurance coverage, which is a separate thing) usually involves paying an additional premium for travel insurance.

What’s Typically Covered?

This coverage will normally assist with medical conditions that arise in Bali.

So, for example, it might help with injuries sustained in scooter accidents or in the event of a natural disaster, or with treatment if you contract dengue fever or your Bali belly turns out to be more than a minor upset stomach.

Travel insurers typically provide enough cover for medical and hospital expenses to get you patched up and back on your feet so that you can return home. That means you may need health care at home to complete treatment for any issues incurred in Bali.

If you want all your hospital and medical expenses paid, then you need overseas medical coverage in the form of health insurance. Health insurance cover is much more expensive than Bali travel insurance and needs to be arranged separately.

If you don’t have some form of medical cover, then you will need to meet all your own medical expenses should you become sick or have an accident.

It’s worth noting that while medical costs in Bali are usually lower than the cost of medical treatment in other countries, they can add up rapidly.

If you buy travel insurance for Bali, we recommend that you opt for something with medical coverage.

Generous medical terms can offer additional benefits such as hospital cash allowance (a sum paid out daily while you’re in the hospital to cover your day-to-day expenses).

What’s Not Covered?

You will find that your travel insurance policy will almost certainly have an exclusion for pre-existing medical conditions.

That’s because travel insurance for a Bali holiday is not meant to cover all your medical expenses but rather those that are incurred as a result of travelling.

It’s very difficult to find a policy that will pay your overseas medical costs for existing health conditions, and while you can shop around for Bali travel insurance coverage to address this, you may find that it’s simply not available or that the policy costs more than paying your own expenses.

These policies typically also excluded overseas emergency medical evacuation that’s because medical evacuation is very expensive, and typically, most conditions can be treated in Bali.

If you are worried about overseas medical costs exceeding the value of your policy and, thus, think you might require medical evacuation, you will need to talk to an insurer about having this coverage added to your travel insurance cover, and it won’t be cheap.

What Is Personal Liability?

Personal liability is when you are held liable for some or all of the actions that led to an accident. For example, if you’re driving and driving into the back of the car in front of you, you have personal liability for the accident.

Bali travel insurance may include coverage for personal liability, and it’s worth checking that it does. Personal liability can quickly become very expensive.

If you injure someone else in an accident, you can find that their medical expenses quickly skyrocket and that you are expected to pay a hospital cash allowance to the individual too.

If you have the right travel insurance for Bali, you won’t need to worry about paying this out of your own pocket. You can hand over the details of your travel insurance and get on with enjoying your Bali holiday.

The good news is that coverage for personal liability is often standard or added to a travel insurance policy very cheaply. It certainly won’t break the bank.

What Happens If You Need Emergency Assistance In The Event Of Natural Disasters?

It depends on what kind of Bali travel insurance you have, but emergency assistance is often included as a standard in travel insurance coverage.

Natural disasters are one of the biggest risks that people face in Bali, with volcanic eruptions, earthquakes, and even tsunamis all being possibilities.

A natural disaster can easily be the most expensive thing to happen on a Bali holiday if you don’t have travel insurance.

That’s because even if you’re not directly affected by the disaster, everything becomes more expensive as hotels become inundated with people evacuated from the affected areas.

Natural disasters such as earthquakes and tsunamis can leave tens of thousands of people displaced for long periods of time.

The worst of the potential natural disasters from a travel insurance point of view is a volcanic eruption. The smoke from a volcano can leave planes grounded in Bali and force you to extend your stay for weeks or even potentially months.

We strongly recommend that you check your travel insurance and see that it covers natural disasters and, if not, that you contact the insurer and find an upgrade that does.

What Happens To Insurance Cover If You Lose Your Travel Documents In Bali?

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Losing your travel documents is a real pain, and it can be a huge problem to get them replaced. The good news is that travel insurance coverage does not depend on you having the same travel documents as when your travel insurance policy was issued.

In fact, many travel insurance policies provide some cover for losing your travel documents overseas and may help with the cost of replacing your passports (or obtaining emergency travel documents) and any travel costs that you rack up in the course of replacing your documents.

Again, you will need to investigate the coverage of your travel insurance policy to see if this is the case for you. If not, you might want to see if you can have it added to an existing policy or choose a different policy when you buy.

Why Do You Need Accidental Death Coverage?

It’s true that you won’t need medical expenses paid out if you suffer an accidental death overseas. But sadly, it costs money to ship a body home (and it’s a lot of money – airlines can’t just pop you in a seat onboard. The shipping has to be done to meet international standards).

It also costs money to return your personal belongings.

There are often legal expenses to be paid, too, regarding the release of the body to the proper authorities. Then, there’s the cost of cremation or a coffin. And so on…

You might be surprised to learn that it can easily cost $25,000 AUD to ship someone’s body from Bali to their relatives back in Australia! The Australian government does not help with these costs.

This is why many travel insurance policies have an accidental death clause. It’s a good idea to make certain that yours does, or you may end up putting your family under a lot of pressure that they don’t need to face.

Is Cheap Travel Insurance Good Enough?

Travel insurance and, in fact, all forms of insurance are a kind of bet. You bet that something will go wrong on your holiday, and the insurance company bets that it won’t.

The bigger the potential payout for the insurance company, the bigger the bet that you have to place in the first place.

Cheap travel insurance can be invaluable. For example, if you have a free policy that includes personal effects and delay expenses and your bags arrive late at the airport, you get some money to help out while you wait.

However, this kind of policy is usually limited to cover for travel expenses, flight delays and the like.

If you’re hurt, injured, die, or face a situation where you incur personal liability, you may have to meet all the costs yourself.

That can get expensive fast.

Now, it’s fair to say that we can understand why a healthy 20-year-old might shrug and decide to buy a few more beers rather than pay for a comprehensive travel insurance policy, but we’ve seen enough 20-year-olds trying to raise $50,000+ for treatment after a motorbike accident to be less blase about things.

Yes, it’s no fun paying for something where you’re hoping to lose the bet. After all, we all want a holiday that’s trouble-free rather than a massive invoice for overseas emergency medical costs, but in the event that things do go wrong, most of us are very grateful for insurance.

What Is A Policy Excess For Travel Insurance Cover?

A policy excess is an amount of money that you must pay before the insurer will pay out any money.

So, for example, if the excess policy on your travel insurance for Bali is $500 and you go to the hospital, You will then need to pay the first $500 of your treatment costs before the insurer will pay anything.

If you do not have $500, then the insurer will not pay anything at all, and you will become liable for the entire cost of treatment.

This matters a lot. We’ve met plenty of people over the years who had a very high policy excess in order to pay a very low premium on their travel insurance.

But this only makes sense if you can actually afford to pay the excess when called upon to do so. A $50 travel insurance policy with a $5,000 excess is awesome if you have $5,000. If you don’t have $5,000? You might as well have no insurance at all.

This means it’s important to choose a policy excess that you can handle if things go wrong in Bali.

What Kind Of Policy Exceptions Might I Find In Bali Travel Insurance Cover?

Travel insurance is a complicated thing, and, in general, policies don’t always cover every activity that you might undertake while you’re on holiday.

Things like medical treatment and hospital expenses are optional, but coverage for many other things is. For example, scuba diving may or may not be covered.

In fact, scuba diving often isn’t covered, but don’t rush out to buy a new travel insurance policy. You’ll often find that the scuba diving school you dive with has a separate insurance policy that covers you while you dive.

Family Emergency Coverage

Some travel insurance will cover any cancellation fees that you incur in the event of a family emergency preventing you from travelling, but most policies do not provide cover for this.

If you want it, you’ll have to add this kind of cover on top.

It’s For Tourists

You may also find that you’re required to undertake your Bali trip on a tourist visa if you want the policy to provide cover. This is a response to “ digital nomads ” trying to use travel insurance instead of health insurance while living in cheaper destinations.

Travel insurance is meant to cover periods of overseas travel for leisure or temporary business purposes, and it’s not meant to provide cover for people living in another country.

Coverage Length Can Vary

Some travel insurance will provide cover for every holiday that you take in a given period. Some only last for the specific trip duration that it was purchased for.

If you extend your Bali trip and have trip duration coverage, you will need to extend the coverage too (usually for a fee) or take out a full new policy.

It’s important to understand what is and what is not covered in your policy before you pay for it (most insurers don’t give refunds). You can then arrange for additional coverage (at an additional premium) or an alternative policy to make up the difference.

What Is Comprehensive Travel Insurance?

Comprehensive travel insurance is a form of travel insurance that covers most of the expected situations that you might face in an emergency on a holiday in Bali.

However, that doesn’t mean that you can rely on comprehensive travel insurance to cover your exact needs without reading the small print.

You will find that it still has exclusions, a specific excess to pay, etc. and that you need to ensure that these meet your needs.

Is Travel Insurance For Bali Worth It?

Yes, we think it is. If you’ve ever seen an appeal for help with overseas emergency medical expenses, you will know that it’s all too easy for a trip to go wrong and that it can happen to anyone.

While you may not be able to afford the best travel insurance policies, it’s always a good idea to have some coverage (and coverage where you can afford to pay the excess).

It’s very much worth investigating if any of your card providers offer overseas cover or travel insurance policies as part of their standard terms. You may be automatically covered by these policies when you make a purchase.

While this may not be the greatest level of cover, it can certainly help with the costs of replacing personal effects or damage to a rental vehicle. Small things can add up when it comes to travel insurance.

Are You Legally Obliged To Have Travel Insurance?

No. While there were various requirements during the COVID-19 pandemic from both airlines and national governments regarding travel insurance and COVID-19 coverage, this is no longer the case.

You will not be asked to provide evidence of travel insurance coverage during check-in or by immigration in Bali.

This does not mean that it’s a good idea to travel without insurance. It just means that you can and won’t get into any kind of trouble for doing so.

How To Find Travel Insurance To Bali

There are two main ways to find travel insurance for a trip to Bali . The first is to arrange insurance through your travel agent (we recommend that you use the Bali Res Centre for booking all trips to Bali, as they’re a great local agent), and the second is to search online.

The advantage of using a travel agent is that they will have a good understanding of the type of trip that you’re planning and can easily advise on what kind of coverage will suit you best.

However, it’s important to note that travel agents may not have the largest range of insurance products to call on, and you may be able to find a better deal elsewhere.

You can also go online and Google for travel insurance or contact one of the insurers that we’ve listed below.

Insurance is a very competitive field, and you can easily find insurance to cover any eventuality with a reasonable excess, and the costs can vary dramatically between insurers.

We recommend that everyone hunts around for travel insurance to find the best deal for themselves.

It’s also worth noting that you may already have some basic overseas cover from your credit card provider or airline. If you do, you may be able to exclude this coverage from another policy and pay less for your travel insurance by doing so.

Potential Insurance Providers For Bali Travel Insurance

This is not a comprehensive list of all travel insurance providers. It is, however, a list of trusted insurers that are used to working with Australians and other Western nationals to provide travel insurance for holidays in Bali and elsewhere in the world.

These insurers are suitably bonded and can be relied on to make good on claims as long as you have complied with the terms of your policy and also meet the policy excess when required to do so.

We are not expressing any preference for any particular insurer here. FINNS does not act as a financial services advisor and cannot help you decide on which insurance policy is best suited to your needs.

Cover-More Insurance

Cover-More offers unlimited expenses for medical and dental issues. We will pay out up to $15,000 for lost luggage and documents, up to $750 for delayed luggage, $5,000 in the event of hijacking, and much more.

Perhaps, most importantly, for some travellers, they cover almost all activities that you might undertake in Bali, such as bungee jumping, Bali swings , etc.

They will also provide cover for scooters and motorbike riders, but you must have a legal driving license with a motorbike endorsement, an international driver’s permit, a helmet and be sober. You can’t drive anything over 200cc either.

One Cover Bali Insurance

This is a reasonably comprehensive standard policy that offers good value for money, particularly for families travelling together.

The focus here is on medical coverage, though pregnancy is only covered up to 24 weeks.

It has decent coverage for overseas activities, but you want to check the list of activities covered to ensure that you’re covered. Extreme sports are excluded as a standard.

Their scooter coverage isn’t great, though, and you not only need to be road-legal, but you can’t ride anything over a 50cc engine capacity.

You can find a full breakdown of the One Cover policy here .

Allianz Travel Insurance Bali

Allianz is one of the biggest names in the insurance industry, and they offer very reasonable terms in their standard policy.

There’s no extreme sports coverage, but most ordinary activities, such as snorkelling and surfing, are covered.

They offer unlimited medical expenses, including evacuation if needed.

The bike coverage allows legal road users to ride up to a 250cc bike with full coverage.

We like that they offer $1,000 towards emergency dental expenses, too. There’s nothing worse than ending up in a dentist spending all your holiday savings on a filling.

Travel Insurance Direct

This insurer offers very reasonably priced policies for Bali, but it tends not to have the most comprehensive offering, and you may need to add things on to get the coverage you need.

They are very strict about pre-existing conditions for their medical insurance, and they may refuse coverage entirely if you’ve had a stroke or heart attack in the past.

Their motorbike coverage is the best, however, as they will let you ride any cc bike as long, of course, as you are legally entitled to do so.

Interestingly, they offer $10,000 worth of insurance against any lost income caused by injury or illness on your holiday.

See their offering here .

Fast Cover Travel Insurance

This is a very comprehensive offering that covers theft, medical issues, lost baggage and documents, etc.

It’s nice to have peace of mind when you travel, and while they don’t cover extreme sports as standard, you can buy an “adventure pack” to get coverage for these activities as an extra.

They cover all engine capacities with their scooter/bike policy, though, as always, you must remain legally allowed to drive. This means you must be sober, wear a helmet, and have the right paperwork.

Their $50,000 coverage for expenses relating to any natural disasters is fairly generous, too.

You can find out more about Fast Cover’s offering here .

Medibank Travel Insurance

This is a well-known Australian insurer, and it’s very popular with Australians because of its “high trust” status.

They offer both a comprehensive policy and one focused entirely on the medical aspect of travel.

Families tend to opt for comprehensive travel insurance because of the range of things that go wrong on holidays, whereas many singles will opt to keep their costs down and just cover the medical side of things.

They do cover some extreme sports, but check the policy details carefully with respect to this.

They don’t offer motorbike coverage as standard, but they do offer this coverage as a paid extra, but only for vehicles up to 200cc in engine capacity. As always, you have to be road-legal to claim for this.

Their unlimited cancellation coverage for any unforeseen act (except for terrorism) is very good. Find out more here .

Can You Stack Travel Insurance Policies?

Yes, sort of. Sometimes, you may find that it’s cheaper to take out two separate policies for different areas of coverage.

So, for example, let’s say that your credit card offers comprehensive insurance for your personal effects and that your travel insurance provider gives much better coverage for medical expenses.

You can take out both policies and choose which one to claim when you are in Bali, and you need to use your insurance.

What you cannot do, however, is claim for the same event twice. So, if you lose your camera, you must claim for it on one policy or the other.

If you end up in hospital, you can claim on one policy or the other. You can’t double dip and suddenly buy two cameras or use the cost of your medical treatment to pay for an extension of your Bali trip.

Will The Australian Government Help If I Don’t Have Travel Insurance?

No. The Australian government provides limited assistance to Australians overseas through its consular services. This assistance does not extend to paying for Australians’ expenses in an emergency.

The consulate will help you contact people back home if you have an overseas emergency medical need and see if they can help you pay for your treatment, but they do not provide loans or any other kind of financial assistance.

The only time when consular services really come into their own is if the Australian government orders a full emergency evacuation of Australian citizens from another country. At this point, they will usually arrange for and often pay for your flight out.

Otherwise, you’re expected to have insurance or the means to pay for your own expenses and to use them as necessary.

You can find full details of what the government can and cannot do on the Smart Traveller site provided by the Australian government.

Bali Travel Insurance FAQs

Who is best for travel insurance to bali what is the best travel insurance for bali.

We’re not an insurance broker and can’t offer any insight into which exact travel cover might be best for your needs.

We’d recommend that you draw up a list of the kind of coverage that you need and then seek quotes from insurance companies to address those needs.

Don’t be afraid to shop around when choosing insurance, and there’s no need for any kind of brand loyalty. Get the coverage you need with the right level of excess at the lowest possible price.

Do I Need Travel Insurance In Bali?

You are not legally required to have any kind of insurance to take a holiday in Bali. That doesn’t mean that you don’t “need” insurance, but it does mean you’re not obliged to take any out.

We would point out that the vast majority of trips to Bali are likely to go without any need to make an insurance claim, which often leads people to believe that they don’t need coverage.

However, if things do go wrong (and nobody has a crystal ball to work out who will be lucky or unlucky), you may find that you really do need travel insurance in order to cover the expenses that you incur.

Do You Need Travel Insurance To Go To Bali From Australia? Do Australians Need Travel Insurance For Bali?

Again, no. There’s no legal obligation to enter Bali with any form of travel insurance, and this includes travellers coming from Australia.

Just remember that health care is not free in Bali for Australians or any other overseas tourists and that it’s very easy for things to get expensive fast.

We would encourage you to investigate your travel insurance options even if you’re not obliged by law to take out a policy.

What Insurance Is Required For Bali?

There is no insurance of any kind currently required to visit Bali. Tourists may come and go as they please without presenting any form of insurance paperwork.

You will not need to show coverage to your airline or to immigration on arrival. You may travel at your own risk.

Do You Need Medical Insurance For Bali? Do You Need Medical Cover For Bali?

We would strongly recommend that your travel insurance has at least some form of basic medical coverage. This will ensure that you get some help with the costs if you get sick or have an accident.

While a dose of the Bali belly won’t cost a fortune to treat in a local clinic, a scooter accident can leave you facing bills of tens of thousands of dollars.

However, unless you are moving to Bali as an expat or retiree, you don’t need medical insurance. Health insurance is a very different product from travel insurance, and it is designed to cover all your expenses for almost all medical conditions.

You will find that health insurance allows you to be treated entirely in Bali, unlike travel insurance, which tries to get you well enough to go home and continue your treatment at home.

This means that health insurance is usually much more expensive than travel insurance, and most tourists simply don’t need this kind of cover on a two-week holiday.

Should You Buy Travel Insurance For Bali?

We recommend that you buy some form of travel insurance and that you discuss with your travel agent what kind of coverage you might need.

Medical conditions can strike anyone at any age at any time, so it’s best to be prepared for this eventuality. You also want any unusual activities covered if they might lead to injury, too.

Which Travel Insurance Company Is Best?

There is no “best company” for travel insurance despite a million bloggers insisting otherwise, thanks to the generous commissions that these insurance companies pay.

Insurers tend to be covered by the same regulatory body and provide a very similar standard of service when the coverage you have paid for is at the same level.

That means you should always hunt around for the best travel insurance deal and then carefully read the small print before you sign on the dotted line to ensure that it meets your needs.

Don’t be loyal to a brand, that’s how insurers make their biggest profits – if you don’t shop around and always use the same insurer, they can hike their prices without you knowing how much you’re overpaying for your insurance.

How Much Is The Travel Insurance For Going To Bali?

It depends to a large extent on how much coverage you want, of what type, which insurer you use and how much of an excess you are willing to pay.

However, according to Market Watch, most people spend between $50 (AUD) and $250 (AUD) per trip on travel insurance.

If you travel on a regular basis, you may find that it works out cheaper to buy a year-long policy than to buy a policy for each trip that you undertake.

How Much Does It Cost To Insure A Trip To Indonesia?

Insurance costs for most of Indonesia are the same as they are for Bali, which you’d expect as they are the same country.

However, there are parts of Indonesia that Western governments recommend that you do not travel to.

Your insurance will not be valid in these parts of the country, and you will need to seek alternative insurance (which is likely to be very expensive if you can get it at all).

Fortunately, as we go to press, these areas are tiny parts of the country around two active volcano sites. Most travellers will be fine with a standard travel insurance policy.

Final Thoughts On Travel Insurance Bali

It’s a good idea to get travel insurance before you come to Bali as an accident or illness can quickly see you run up bills that are in the thousands of dollars.

You will need to carefully check your travel insurer’s coverage and make certain that it’s right for you and that you can afford the excess on the policy when you need to make use of it.

There is no legal requirement to have travel insurance in Bali, mind you, and you are free to take a chance on not needing it.

However, you cannot rely on government assistance if you do need travel insurance and don’t have it.

Disclaimer: The information included here is to help you choose the right travel insurance for Bali. We can accept no responsibility or liability if you find that your travel insurance coverage is inadequate for your needs in Bali.

We recommend that you ask your travel insurance provider to fully explain your coverage before you pay for it and that you compare travel insurance coverage from different providers before you commit to cover.

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Top Travel Insurances For Indonesia You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Indonesia is a huge and bustling country that's famous among visitors and expats for its diverse landscapes (including tropical forests and stunning beaches) and fun cultural experiences, including visiting to the famous Borobudur Temple and the resorts of Bali. Although travelling to Indonesia can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Indonesia and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Indonesia Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Indonesia:

Best Travel Insurances for Indonesia

01. Do I need travel insurance for Indonesia? scroll down
02. Best medical coverage: VisitorsCoverage scroll down
03. Best trip insurance: Insured Nomads scroll down
04. Best mix for youth and digitial nomads: SafetyWing scroll down
05. FAQ about travel insurance to Indonesia scroll down

Heading to Indonesia soon? Don't forget to check the following list before you travel:

💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
🛂 Need a visa? Let iVisa take care of it for you.
✈ Looking for flights? Compare on Skyscanner !
💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Is Travel Insurance Mandatory in Indonesia?

No, there's currently no legal requirement to take out travel insurance for travel to or through Indonesia.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Indonesia or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Indonesia:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms, VisitorsCoverage is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Indonesia, no matter whether you're planning to recline on a sunny Bali beachfront or explore the concrete jungles of Jakarta.

VisitorsCoverage lets you choose between various plans tailored to meet the specific needs of your trip to Indonesia, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

Coverage 9.0
Quality of Service 9.0
Pricing 7.6
Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Indonesia:

Policy Names: Varies
Medical Coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
Trip Coverage: Excellent - but only available for US residents.
Customer Support: FAQ, live chat and phone support
Pricing Range: USD 25 to USD 150 /traveller /month
Insurance Underwriter: Lloyd's, Petersen, and others
Best For: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option for Indonesia, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

Coverage 7.8
Quality of Service 8.5
Pricing 7.4
Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

Policy Names: World Explorer, World Explorer Multi, World Explorer Guardian
Medical Coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
Trip Coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
Customer Support: FAQ, live chat, phone support
Pricing Range: USD 80 to USD 420 /traveller /month
Insurance Underwriter: David Shield Insurance Company Ltd.
Best For: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads in Indonesia because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

Coverage 7.0
Quality of Service 8.0
Pricing 6.3
Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

Policy Names: Nomad Insurance, Remote Health
Medical Coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
Trip Coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
Pricing Range: USD 45 to USD 160 /traveller /month
Insurance Underwriter: Tokyo Marine HCC
Best For: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Indonesia? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Indonesia

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Indonesia. However, we strongly encourage you to do so anyway, because the cost of healthcare in Indonesia can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

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Travel Insurance Compare Our Plans Popular Benefits COVID-19 Benefits International Plans Domestic Plans Comprehensive Insurance Annual Multi-Trip Inbound Plan Cruise Ski & Snowboard Motorcycle & Moped Adventure Activities Seniors Medical Conditions
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Manage Policy
travel_explore Not sure? See region list.

Where are you going?

Enter the destination(s) you plan to visit or select them from the list of countries and regions in the dropdown.

Planning a stopover? If you’re in a country for less than 72 hours, you do not need to list it as a destination.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region, or you can select “Anywhere in the world”. Important: If selecting “Anywhere in the world”, your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with the “ Standing Travel Alert for High Risk and Sanctioned Countries ” when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? If your cruise is in inland Australia (e.g. on the Murray River) or in Australian coastal water (e.g. the Kimberley), enter or select “Australia”. If your cruise embarks and disembarks from Australia ports only without any stopover at a port outside of Australia (e.g. a “Sampler Cruise” or cruise from Sydney to Brisbane), enter or select “Domestic Cruise”. If your cruise is overseas (e.g. a European river cruise, a Caribbean cruise, or a cruise from Sydney to Hong Kong), enter or select the country or region you will spend the most time in during your trip.

Want to come to Australia on our Inbound Plan? Select “Australia Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

Enter the date you will arrive home based on AEST (considering any time differences/zones and travel times).

Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

Travel Insurance for Bali Holidays

Traveller who purchased travel insurance for Bali admires the view

Source: Getty

Get holiday insurance for Bali and Indonesia’s surrounding islands

Australian travellers love Bali – and for good reason. From stunning temples and striking beaches to Ubud’s much-loved Monkey Forest and relaxing yoga retreats, the Indonesian island has something incredible for almost all holidaymakers.

If you’re planning a trip to Indonesia, it’s important to consider purchasing travel insurance for Bali before you leave home. The right travel insurance can help protect you financially should the unthinkable happen – such as having your mobile phone snatched from your hands by a passing moped rider or being struck down with a bout of Bali belly – so you’re not left with expensive bills to pay.

We want you to enjoy your holiday to Bali for all the right reasons, so keep reading to learn more about the importance of travel insurance for Bali trips.

Ready to get a quote? You can select our best travel insurance for your Bali trip online now.

Skip ahead to read:

Do I need travel insurance for Bali?

What is cover-more's best travel insurance for bali holidays.

Am I covered if I ride a moped or motorcycle in Bali?
Does Cover-More provide cover for sports and activities in Bali?

Does Cover-More travel insurance provide cover for terrorism?

Are there any active Bali travel alerts?

How do I avoid getting ill in Bali?

Can I cancel my Cover-More travel insurance policy?

Nothing will ruin your blissful Balinese escape faster than something going wrong. If the unexpected happens, holiday insurance for Bali could provide the protection you want and the support you need.

The right travel insurance policy can not only help provide cover for travel incidents such as lost or stolen luggage, travel delays, missed connections, cancellation costs and more, it can also provide much needed expert emergency assistance and financial support for overseas emergency medical expenses.

Not convinced? The Australian Government says comprehensive travel insurance is essential for international travel – and this includes holidays to nearby countries such as Indonesia.

To discover if our travel insurance is best for your trip to Bali, compare our plans here .

With over 30 years’ experience protecting Australian travellers visiting the Indonesian island of Bali, we know how to help protect you and your Balinese holiday.

The best Bali travel insurance policy is the one that best suits your needs. We offer three tiers of international travel insurance that can cover an overseas holiday in Bali – all you need to do is find the right one for you.

Our three Cover-More international plans:

Basic If you’re on a budget and looking for cheap travel insurance for Bali that provides essential cover, consider this plan. It includes unlimited~ overseas emergency medical expenses cover, luggage cover, and personal liability should something go wrong while you’re in Bali, as well as other essential benefits such as providing cover for 80+ sporting activities . This plan is only available on Single Trip policies, so if you’re looking for base-level holiday insurance for Bali for a one-off trip, consider this.
Comprehensive If you’re an Australian looking for Bali travel insurance that provides all the essentials of our Basic plan plus much more, consider whether this plan may suit your needs. Beyond unlimited~ overseas emergency medical expenses and higher levels of luggage cover, this plan includes benefits many travellers want such as travel delay, rental vehicle insurance excess, hijacking, disability, and accidental death, plus our additional Cancellation Extensions (which includes cover for an act of terrorism) if you choose to include cancellation cover in your policy for an additional premium. This plan is available on both Single Trip and Annual Multi-Trip policies.
Comprehensive+ If the best travel insurance for your Bali trip is a policy with all the bells and whistles, consider whether our most comprehensive plan may be for you. It contains all the benefits of our Comprehensive Plan and more, plus some higher coverage amounts for your Bali holiday. You can buy this plan on both Single Trip and Annual Multi-Trip policies.

Want to compare our Cover-More International plans before you jet off to Bali? Visit our compare plans page or get a free online quote now.

Does Cover-More travel insurance cover moped or motorcycle riding in Bali?

One of the most popular ways to get around Bali is by hopping on a moped or motorcycle. Why? Travelling this way across the Indonesian island can be fun, efficient, and budget-friendly.

If you plan to scoot around Bali on a moped or motorcycle, it’s important to consider including adequate cover in your travel insurance policy.

Our international travel insurance plans don’t automatically cover moped or motorcycle riding – but you can include our Motorcycle/Moped Riding Cover in your policy on all plans if you meet the cover criteria for an additional premium.

We provide two levels of cover for riding moped or motorcycles during your Bali holiday:

Motorcycle/Moped Riding Cover: for engine capacity 250cc or less
Motorcycle/Moped Riding+ Cover: engine capacity unlimited (conditions apply)

Both levels of our Motorcycle/Moped Riding Cover can provide cover for you if you plan on driving or being a passenger, and you must include this optional cover in your policy for cover to apply.

For more information on our moped cover and how it may be suitable for your trip to Bali, visit our Motorcycle/Moped Riding Cover page for more details. This includes several terms, conditions and exclusions that apply to our Motorcycle/Moped Riding Cover, which you must be aware of before purchasing our travel insurance. For full details on our conditions of coverage, see the PDS .

Traveller who purchased travel insurance for Bali exploring Ubud's rice fields

Does Cover-More travel insurance provide cover for sports and activities in Bali?

If you’re not planning on spending all your days in Bali snoozing under a beach umbrella, we can help.

All our travel insurance plans automatically provide cover for 80+ adventure and sporting activities .

If you buy a Cover-More policy for Bali, we’ll provide you with cover for:

snorkelling
scuba diving (under 30 metres) if you’re with a diving school or qualified instructor
stand up paddle boarding
bungee jumping
parasailing (over water)

…and many, many more! See here for the full list of all 80+ automatically included activities .

Can’t find your favourite activity listed? For more extreme or adventurous activities, you may wish to include one of our two levels of Adventure Activities Cover in your policy. For details on what activities are covered by our Adventure Activities Cover and Adventure+ Activities Cover, please see the PDS . Note: no cover is available if you are racing or competing in a professional capacity.

Ready to protect your adventure-filled trip to Bali with travel insurance? Get a quote online now .

Unfortunately, terrorist attacks can – and do – occur.

The Australian Government recommends you exercise a high degree of caution in Indonesia because of the threat of terrorist attacks, so it is important to consider this when researching the best travel insurance for your Bali trip.

It’s also important to pay attention to Bali travel alerts from your travel insurance provider before and during your trip should a terrorism incident occur in Indonesia.

All our Cover-More travel insurance plans provide cover for emergency overseas medical expenses and additional expenses if you are a victim of a terrorist attack.

If you are a Cover-More customer travelling on a Comprehensive or Comprehensive+ policy that includes cancellation cover, we can also provide financial support should you need to cancel your Bali holiday because of an act of terrorism.

For full details on how our Cover-More travel insurance can provide cover for acts of terrorism, please read the PDS .

Are there any active travel alerts for Bali?

Historically, important travel alerts have been issued for Bali because of acts of terrorism and volcanic events. Today, Bali travel alerts can be issued – or updated – at any time.

If you plan to travel to Indonesia and are thinking about buying a Cover-More travel insurance policy to protect your holiday, it’s important to stay up to date with our Bali travel alerts and claims advice.

Our Travel Alerts section houses all travel advice that may affect your travel plans or policy coverage. Please read the relevant Bali travel alerts prior to and during travel.

While you’re in Indonesia, it may also be helpful to monitor relevant media outlets and government websites for information on changes to local travel conditions that may affect your trip.

Concerned about Bali travel alerts? You can speak to our team on 1300 72 88 22 during Australian business hours.

If you are directly affected by an incident while you’re in Bali and need help, call our 24/7 Emergency Assistance team on +612 8907 5619.

Bali is home to delicious food and restaurants, and we want your memories of the local Balinese cuisine to be a trip highlight – not a lowlight.

Unfortunately, Bali belly (like travellers’ diarrhoea), is a relatively common travel sickness for Australians who visit Indonesia.

To help prevent Bali belly ruining your holiday, here’s what you need to know before you go: How to avoid Bali belly

Want more helpful advice for your upcoming trip to Bali, Indonesia?

Find out how to lower your risk of getting rabies in Indonesia here
Discover what you need to know about methanol poisoning in Bali here
Learn about malaria and how to avoid it here

We recommend you also talk to your GP or travel doctor before travelling to Bali or other Indonesian islands for information on what vaccinations are required or recommended. This will help limit your risk of suffering from avoidable health issues so you can focus on what matters – having fun.

Can I cancel my Cover-More travel insurance?

If you purchase Cover-More travel insurance for your trip to Bali and decide it’s no longer the best travel insurance policy for you, that’s OK.

All our Cover-More customers have access to a 21-day cooling-off period from the day of purchase. If you cancel your policy during this timeframe, you are entitled to a full refund of the premium you paid, provided you have not made a claim and have not departed on your journey.

For more information on the cooling-off period, call us on 1300 72 88 22.

Want us to protect your holiday to Indonesia?

Find our best travel insurance for your Bali trip today.

Material on this website is provided for informational purposes only. It is general information and discussion about medicine, health and related subjects may not apply to you as an individual and is not a substitute for your own doctor’s medical care or advice. The words and other content provided on this website, and in any linked materials, are not intended and should not be construed as medical advice. If the reader or any other person has a medical concern, they should consult with an appropriately licensed physician or other health care worker. Nothing contained on the website is intended to establish a physician-patient relationship, to replace the services of a trained physician or health care professional, or otherwise to be a substitute for professional medical advice, diagnosis, or treatment. The views and opinions expressed on this website have no relation to those of any academic, hospital, practice or other institution with which the authors are affiliated. They do not necessarily reflect the opinions of Cover-More Insurance Services Pty Ltd. Never disregard medical advice or delay seeking medical care because of something you have read on or accessed through this website. If you think you may have a medical emergency, call your doctor or emergency services immediately.

~ Cover will not exceed 12 months from onset of the illness, condition, or injury.

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11 Best Travel Insurance Companies in June 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

Top credit cards with travel insurance

Methodology

Best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

ExactCare Value (basic) plan is among the least expensive we surveyed.
Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
Company may reimburse claimants faster than average, including possible same-day compensation.
Multiple "Trip Delay" coverage types might make claims confusing.
Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

Multiple types of insurance available.
All plans include access to a 24/7 assistance hotline.
More expensive than average.
CFAR upgrades are not available.
Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

Offers last-minute coverage.
Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
Plan available for business travelers.
Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

Higher-level plan include optional add-ons for event tickets and for electronic equipment
Rental car protection add-on for just $8 per day, even on lower-level plan.
Many of the customizations are only available on the higher-tier plan.
Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

Travelers can extend coverage mid-trip.
The standard plan covers up to $300,000 in emergency evacuation costs.
Plans automatically cover 200+ adventurous activities.
No Cancel For Any Reason upgrades are available.
No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

Top-tier plan doesn’t break the bank and provides more customization opportunities.
Offers a plan specifically for domestic travel.
Sells a post-departure medical coverage plan.
Fewer customization opportunities on the Basic plan.
Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

Annual, medical-only and backpacker plans are available.
Cancel For Any Reason upgrade is available for the cheapest plan.
Cheapest plan also features a much less costly Interruption for Any Reason add-on.
Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

Coverage available for adventure travelers.
Offers direct billing.
Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
Adventure sports-specific coverage is available.
Plans have overlap that can be hard to distinguish.
Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

Covers up to $300 redepositing points and miles on eligible canceled award flights.
Optional add-on protection for business equipment or sports rentals.
Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

Covers travelers up to 95 years old.
Includes direct pay option so members can avoid having to pay up front for services.
A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans.

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

Best overall
Best for cruises
Best for reputation
Best for preexisting conditions
Best for digital nomads
Best low-cost
Best for road trips
How we reviewed travel insurance companies

Ultimate Guide to Choosing the Best Travel Insurance in June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this guide to the best travel insurance, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Our Picks for the Best Travel Insurance Companies

Best overall: nationwide travel insurance.

Runner-Up: AXA Assistance USA
Best for Cruises: Travel Guard
Best Reputation: C&F Travel Insured
Best for Pre-existing Conditions: Tin Leg Travel Insurance
Best for Digital Nomads: WorldTrips Travel Insurance
Best Low-Cost Option: Trawick International Travel Insurance

Best for Road Trips: Travelex Travel Insurance

How we rate travel insurance »

Compare the Best Travel Insurance Companies

The best travel insurance companies offer comprehensive coverage options for a wide range of people and needs. For this guide, we looked at coverage options, customizability, and the best companies for specific situations, such as pre-existing conditions.

Here are Business Insider's picks for the best travel insurance companies in 2024.

Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

Cancel for any reason coverage available

Nationwide Travel Insurance is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Read our Nationwide Travel Insurance review here.

Best Travel Insurance Runner-Up: AXA Assistance USA

Trip cancellation coverage of up to 100% of the trip cost
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

Silver, Gold, and Platinum plans available
Trip interruption coverage of up to 150% of the trip cost
Emergency medical coverage of up to $250,000

AXA Assistance USA offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

Read our AXA Assistance USA Travel Insurance review here.

Best for Cruises: AIG Travel Guard

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans)
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

Trip cancellation coverage for up to 100% of the trip cost
Trip interruption coverage for up to 150% of the trip cost
Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

Read our AIG Travel Guard review here.

Best for Reputation: C&F Travel Insured

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

While every travel insurance company has negative reviews about its claims process, C&F Travel Insured 's claims process has a consistent stream of positive reviews. One customer wrote that C&F processed a claim within 48 hours. Additionally, C&F regularly responds to customer reviews within one business week, making reviews a consistent way to reach the company.

Additionally, in C&F's fine print, it mentions that any claims that take more than 30 days to pay out will begin to accrue interest at 9% APY.

C&F's reputation isn't the only thing to speak highly of. It offers an array of add-ons uncommon in the travel insurance industry, such as Interruption for Any Reason insurance and CFAR coverage for annual plans. C&F also offers discounts for children on its Protector Edge plan and free coverage on its Protector plan.

Read our C&F Travel Insured review here.

Best for Pre-Existing Conditions: Tin Leg Travel Insurance

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
con icon Two crossed lines that form an 'X'. Limited add-on coverage options
con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors

Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.

Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

Tin Leg Travel Insurance is a great fit for travelers with medical issues in particular. Seven of Tin Leg's eight travel plans include coverage for pre-existing conditions as long as you purchase your policy within 15 days of your initial trip payment.

Thanks to coverage for pre-existing medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Read our Tin Leg Travel Insurance review here.

Best for Digital Nomads: WorldTrips Travel Insurance

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable base plans that can be customized with add-ons including rental car, pet care, hunting and fishing, and vacation rental coverage
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Insurance plans available for international student travelers
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage benefit that kicks in after just five hours
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Pre-existing conditions waiver can be purchased within 21 days of initial trip payment
con icon Two crossed lines that form an 'X'. Lower medical, evacuation and accidental death limits
con icon Two crossed lines that form an 'X'. Limited, secondary baggage loss coverage although baggage protection can be upgraded at a low cost
con icon Two crossed lines that form an 'X'. No special coverages for pets, sports equipment, etc.

WorldTrips has been a reputable travel insurance provider for more than 20 years. Unsurprisingly, it boasts an A+ rating from the Better Business Bureau and positive reviews from thousands of customers.

Travel medical insurance (Premium, Group, Annual, and International Student options)
Trip cancellation insurance
Trip protection insurance

WorldTrips Travel Insurance has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

Read our WorldTrips Travel Insurance review here.

Best for Affordability: Trawick International Travel Insurance

Trawick Trawick International Travel Insurance

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims

Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.

Travel medical insurance
Trip protection and cancellation
International student insurance
Visitor medical insurance (for traveling to the US)

Trawick International Travel Insurance is another insurance provider with robust medical travel insurance that can help higher-risk and anxious travelers find peace of mind while on the road. This company offers one of the most generous medical evacuation policies in the market, although travelers will need to remember to add on rental car coverage if they need it.

Read our Trawick Travel Insurance review here.

Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

Optional CFAR insurance available with the Travel Select plan
Trip delay insurance starting at $500 with the Travel Basic plan
Emergency medical and dental coverage starting at $15,000

Travelex Travel Insurance offers three plans:

Travel Basic
Travel Select
Travel America

The Travelex America plan is meant for trips limited to the U.S., but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the U.S. for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Read our Travelex Travel Insurance review here.

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about how much emergency medical care while traveling will cost, even in the most remote corners of the globe. This coverage will often come in tandem with emergency medical evacuation coverage.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short. You may also look for cancel for any reason and interruption for any reason options, which will reimburse you for a percentage of your nonrefundable fees, but expands the covered reasons you can cancel a trip. You can find our guide on the best CFAR travel insurance companies here.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away. Also, check websites that field customer reviews like Trustpilot, the Better Business Bureau, and InsureMyTrip , to see how well a company responds to customer requests.

Choosing the Best Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering. While the ratings are important, you should also look at whether or not a company responds to customer complaints.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy – what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared.

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Keep important contacts and your policy details handy, and remember, your insurance provider is there to assist you.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own.

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

How We Reviewed the Best Travel Insurance Companies

To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award five stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2023 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the U.S. Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read our full insurance rating methodology for even more details.

Best Travel Insurance FAQs

There isn't a one-size-fits-all solution for every traveler. Determine the benefits that are most important to you, like baggage delay coverage, medical coverage, and trip delay coverage, then look for a company with solid customer ratings, especially when it comes to processing claims.

Travel insurance will pay out if you experience a covered event, such as a travel delay or delayed or lost baggage. If you're looking to get travel insurance for a specific reason, such as needing to potentially cancel your trip due to work reasons, make sure your policy will cover you in that situation before purchasing it. You should also check customer reviews to see other travelers' claims experiences, as it varies wildly from company to company.

The average cost of travel insurance is 4% to 8% of your total trip cost, so it could vary widely depending on where you're traveling and the length of your trip. Your age, the number of people in your group, and other factors can also influence how much you'll pay.

Most comprehensive travel insurance policies include travel medical coverage that can come in handy if an emergency occurs and you need medical evacuation. Some travel insurance plans offer more specialized coverage for travelers with pre-existing conditions , so shop around if medical coverage is a top priority for you.

$100,000 should be a sufficient medical coverage limit for travel insurance. If you're planning on doing extreme sports or anything particularly risky on your trip, you may want to increase your coverage level. A high medical coverage limit is especially useful when you're purchasing cruise travel insurance, since medical evacuations are more involved at sea.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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Travel insurance

Best travel insurance companies of June 2024

Amy Fontinelle

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 2:16 p.m. UTC June 7, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best travel insurance company of 2024 , based on our in-depth analysis of travel insurance policies. Its Atlas Journey Elevate plan gets the top score in our rating because of the extensive coverage it provides for the price. It offers best-in-class emergency medical and evacuation benefits, as well as high limits for baggage insurance.

Best travel insurance of 2024

WorldTrips : Best travel insurance.
Travel Insured International : Best for emergency evacuation.
TravelSafe : Best for missed connections.
Aegis : Cheapest travel insurance.
Travelex : Best for families.
AIG : Best for add-on coverage options.
Nationwide : Best for cruise itinerary changes.

Why trust our travel insurance experts

Our travel insurance experts evaluate hundreds of insurance products and analyze thousands of data points to help you find the best trip insurance for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

1,855 coverage details evaluated.
567 rates reviewed.
5 levels of fact-checking.

Travel insurance quotes comparison

Best travel insurance companies, best travel insurance.

Top travel insurance plans

Average cost, medical limit per person, why it’s the best.

If you’re looking for the best travel insurance for international travel , WorldTrips’ Atlas Journey Elevate plan gives you $250,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage.

See our full WorldTrips travel insurance review .

Pros and cons

$250,000 in primary medical coverage.
$1 million per person in medical evacuation coverage.
Primary damage or loss baggage coverage of $500 per item, up to $2,500.
5 optional upgrades, including pet care, adventure sports and rental car damage and theft.
No non-medical evacuation coverage.

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 428 reviews of policies purchased through the travel insurance comparison site since 2008.

Heidi’s expert take: “WorldTrips offers primary coverage for emergency medical expense and for baggage damage or loss. This means the insurer will pay for your claim first and then seek recovery from any responsible third party, such as your health insurer, airline or homeowners insurer (if your belongings are stolen). Travel insurance with secondary medical coverage might be cheaper, but then you’d have to file claims with third parties yourself, before you could turn to your travel insurance for help.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for emergency evacuation

Travel insured international.

Top travel insurance plan

If you’re traveling to a remote area, consider Travel Insured International’s Worldwide Trip Protector. It has the best travel insurance for emergency evacuation of travel insurance policies in our rating. This top travel insurance plan provides up to $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits.

Only plan in our rating that offers $150,000 in non-medical evacuation coverage.
$500 per person baggage delay benefit only requires a 3-hour delay.
Optional rental car damage benefit up to $50,000.
Missed connection benefit of $500 per person is only available for cruises and tours.

Travel Insured International has a rating of 4.39 stars out of 5 on Squaremouth, based on 3,402 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take: The Worldwide Trip Protector plan provides rare non-medical evacuation benefits of up to $150,000. If you’re traveling to an area at risk of a political, security or national disaster, this emergency evacuation coverage could help get you back to safety. Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for missed connections

TravelSafe offers good travel insurance for missed connections , with $2,500 in missed connection coverage for each person on the plan.

Best-in-class $2,500 per person in missed connection coverage.
$1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
Generous $2,500 per person baggage and personal items loss benefit.
Most expensive of our best-rated travel insurance plans.
No “interruption for any reason” coverage option.
Weak baggage delay coverage of $250 per person after 12 hours.

TravelSafe has a rating of 4.3 stars out of 5 on Squaremouth, based on 1,506 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take: “If you miss out on prepaid vacation plans because you didn’t make a connecting flight, you’ll be glad for the $2,500 missed connection coverage. Some policies only provide missed connection coverage for cruises and tours, but TravelSafe Classic doesn’t impose that restriction.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Cheapest travel insurance

Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. This is based on the average cost of seven international trips of varying lengths and values for travelers of different ages.

See our full Aegis travel insurance review .

Cheapest of our best trip insurance plans.
Pet care benefit of $500 under travel delay benefits.
Low emergency medical and evacuation limits.
Low missed connection benefit of $500 per person for cruises and tours only.
Low baggage and personal items loss benefit of $500 per person.

Aegis has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,111 reviews of policies purchased on the travel insurance comparison site since 2013.

Heidi’s expert take: “If you’re looking for a budget travel insurance policy , Go Ready Choice may fit the bill. It has comparably low coverage limits, but if you have health insurance that will cover you on your trip, its $50,000 in secondary medical coverage may be sufficient.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for families

Top-scoring plan

Travelex Insurance Services has the best travel insurance for families because you can add kids aged 17 and younger to your Travel Select plan at no additional charge.

See our full Travelex travel insurance review .

Free coverage for children 17 and under on the same policy.
Robust travel delay coverage of $2,000 per person ($250 per day) after 5 hours.
Hurricane and weather coverage after a common carrier delay of any amount of time.
Low emergency medical coverage of $50,000 per person.
Non-medical evacuation is not included.
Low baggage delay coverage of $200 requires a 12-hour delay.

Travelex has a rating of 4.43 stars out of 5 on Squaremouth, based on 2,048 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take: “If you’re traveling with kids, a Travelex policy will cover them, too. The number of children you can add to your policy is unlimited and they’ll get travel protection at no additional cost.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, making it the best traveler insurance for add-on options . These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

See our full AIG travel insurance review .

Bundle upgrades allow you to customize your travel insurance policy.
Emergency medical and evacuation limits can be doubled with optional upgrade.
Base travel insurance policy has relatively low medical limits.
$300 baggage delay benefit requires a 12-hour delay.
Optional CFAR upgrade only reimburses up to 50% of trip cost.

Heidi’s expert take: “You can add riders to your AIG travel insurance policy to maximize your coverage. Choose from these bundles: adventure sports, medical, pet, quarantine, security and wedding. You may also want to add “cancel for any reason” coverage and rental vehicle damage coverage.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for cruise itinerary changes

Nationwide’s Choice Cruise is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Choice Cruise also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

See our full Nationwide travel insurance review .

Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
Non-medical evacuation benefit of $25,000 per person.
Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
Baggage loss benefits of $2,500 per person.
Travel medical coverage is secondary.
Trip cancellation benefit for losing your job requires three years of continuous employment.
No “cancel for any reason” upgrade available.

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

Heidi’s expert take: “This plan has protections for cruisers when it comes to prepaid expenses. But its emergency medical coverage is secondary, which means you’d have to file medical claims with your health insurance first. Since U.S. health insurance won’t help you at sea, you may want to look for cruise travel insurance with primary medical coverage instead.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Compare the best travel insurance plans

Via Compare Coverage’s website

Heidi’s expert take: “Here are my tips on how to buy travel insurance that gets you the most coverage for the lowest price: Buy early . Getting travel insurance within two weeks of making your first trip deposit may qualify you for coverage of pre-existing medical conditions, and it won’t cost you any extra. Look for primary emergency medical coverage . If you buy a plan with secondary coverage, you’ll have to file a claim with your health insurance first, even if you know it will be denied. Don’t overinsure . Calculate the value of only your prepaid, nonrefundable trip expenses that are not already covered by other insurance (like credit card travel insurance or health insurance, if your coverage extends to where you are traveling). Even if this value is $0, you can still buy travel insurance for the travel medical insurance benefits, and you’ll only be paying for the insurance you need. Understand exclusions . If you are planning to go scuba diving, for instance, make sure this adventure activity is not excluded from a policy’s coverage. If so, you may need to pay for a rider or shop for another plan that offers the coverage you need.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

Best cruise travel insurance
Best COVID travel insurance
Best “cancel for any reason” travel insurance
Best senior travel insurance

Best travel insurance for cruises

The best cruise travel insurance is Atlas Journey Preferred sold by WorldTrips . This plan offers solid travel insurance for cruises for a low rate.

Best travel insurance for COVID-19

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners . It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

Best travel insurance for “cancel for any reason”

The best “cancel for any reason” (CFAR) travel insurance is Seven Corners’ Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg . It is an affordable travel insurance plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your prepaid, nonrefundable trip costs .

How much you pay for travel insurance will depend on:

The cost of your trip.
Your destination.
The length of your trip.
The ages of travelers being insured.
Your state of residence.
The travel insurance policy you choose.
The total coverage amounts in your policy.
Any travel insurance add-ons you select.

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance.

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel:

Emergency medical coverage: At least $50,000.
Medical evacuation coverage: At least $100,000.

If you’re going on a cruise, or to a remote location, Squaremouth recommends:

Emergency medical coverage: At least $100,000.
Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance policies to have at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage.

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion.

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits:

You may be able to add on “ cancel for any reason” (CFAR) coverage , an upgrade that is typically only available for a limited time after you’ve started paying for your trip.
You may qualify for a pre-existing medical conditions exclusion waiver, meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.
You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters.

Expert tip: You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing conditions exclusion waiver or to buy a “cancel for any reason” upgrade.

Where can I buy travel insurance?

You can buy a travel insurance plan:

Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth or Travelinsurance.com to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Travel insurance trends in 2024

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise , travelers have more to lose if their plans are disrupted.

Based on travel insurance quote requests on the Squaremouth website last month, these are the main benefits travelers are looking for in a travel insurance policy.

*Source: Squaremouth.com. Travel insurance quote filter usage from April 28 to May 28, 2024.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

$3,000, 8-day trip to Mexico for two travelers age 30.
$3,000, 8-day trip to Mexico for two travelers age 70.
$6,000, 17-day trip to Italy for two travelers age 40.
$6,000, 17-day trip to Italy for two travelers age 65.
$15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
$15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
$15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
“Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Explore and Atlas Journey Elevate — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages:

Trip cancellation . With trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business.
Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation.
Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home.
Travel medical . Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling.
Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling.
Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200.
Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said James Clark, spokesperson for Squaremouth. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems:

Bankruptcy of a travel insurance company, such as your airline or tour operator.
Dangerous weather conditions.
Delayed and lost luggage.
Illness or death in your family that requires you to stay home or cut your trip short.
Illness that needs medical attention.
Injury requiring medical evacuation.
Jury duty.
Travel delays and missed connections.
Theft of your personal belongings while traveling.
Unexpected job loss.

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

Accidents or injuries caused by drinking or drug use.
Canceling your trip because you changed your mind.
Ending your trip early because you changed your mind.
Losses caused by intentional self harm, including suicide.
Losses due to war, civil disorder or riots.
Medical tourism.
Medical treatment for pre-existing conditions.
Mental health care.
Natural disasters that begin before you buy travel insurance.
Non-medical evacuation.
Normal pregnancy.
Medical treatment related to high-risk activities.
Routine medical care, such as physicals or dental care.
Search and rescue.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically.

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits.

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department.

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events.

Some credit cards , such as the Chase Sapphire Preferred® Card , offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation .

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

Travel Insured International — Rental car damage and theft coverage of $50,000.
WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible.

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations.

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill.

Wondering if travel insurance is worth it? What travel insurance covers

Editor’s Note: This article contains updated information from previously published stories:

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Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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IMAGES

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COMMENTS

4 Best Travel Insurance for Bali in 2024
Learn why travel insurance for Bali is important and how to choose the best plan for your needs. Compare Heymondo, SafetyWing, World Nomads and ITravelInsured for COVID-19, medical, trip cancellation and baggage coverage.
Travel Insurance For Bali
Learn how to find the right travel insurance for your trip to Bali, a popular destination with natural and cultural attractions. Compare coverage options for trip cancellation, delay, interruption and medical expenses.
Bali Travel Insurance: Price Quotes & Visitor Requirements
According to official sales data from Squaremouth, travel insurance for Indonesia costs, on average, $262.90. Our official sales figures over the past year show that our customers paid an average ...
Get Covered: Finding The Best Bali Travel Insurance Plan
Learn why you need travel insurance for Bali, what to look for in a policy, and how to compare and buy online. Find out the best Bali travel insurance plans for different needs and budgets.
Travel Insurance For Bali: A Guide
Most travel insurers in Australia offer insurance policies for travel to Bali. What policy suits you best will depend on your requirements including duration, age, and any activities that you plan ...
Travel Insurance For Bali
What types of travel insurance for Bali are there? There are three main types of policy to choose from: Long-stay/Backpacker policy: for a getaway lasting more than 31 days typically. It provides ...
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Search for a policy that suits your itinerary. When deciding on travel insurance for Bali, consider the cover most relevant to your trip. Comprehensive insurance is available as both single and annual multi-trip policies and can include cover for medical expenses, cancellation fees, luggage and rental vehicle insurance excess.
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Covers the loss, theft or damage of your bags, tech and gear. Explorer Plan: $3,000. Standard Plan: $1,000. Show all benefits. This is a general summary for US residents only. Restrictions, exclusions and limitations will apply. Benefit limits may vary depending on the plan chosen.
Travel Insurance Bali
Source: Indonesia.Travel. Bali is part of Indonesia, so here are a few quick Indonesian facts: Capital: Jakarta. Population: 1 million. Currency: Indonesian Rupiah. Official Language: Bahasa Indonesia. Land area: 905 million km². Fun fact: Indonesia is the largest archipelago in the world with more than 18,000 islands.
Travel Insurance for Bali
1. Proximity: Depending on where you live in Australia, you can fly to Bali 3-6 hours making it relatively easy as a destination to get to. 2. Affordability: Compared to Australia, Bali is way more cost-effective when it comes to food, accommodation. 3.
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The below quotes are for a 30-year-old traveler from Florida, traveling to Bali for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations ...
Bali Travel Insurance: Everything You Need to Know
Bali travel insurance covers non-refundable expenses, ensuring you don't bear the financial burden of missed flights or accommodations. Medical Expenses Coverage: Falling ill or facing a medical emergency in a foreign land can be overwhelming. With Bali travel insurance, your medical expenses, hospital stays, and emergency medical evacuations ...
Guide To Bali Travel Insurance
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!
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Adventure activities. Bali is world-famous for its surfing, with thousands of tourists flocking to the legendary beach breaks and reefs each year. Allianz Comprehensive Travel Insurance is designed to cover activities like surfing and snorkelling. If you plan on getting more adventurous with activities like abseiling or riding a motorcycle ...
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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? Buy travel insurance online.
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Travel insurance can cover you for COVID-19 in Bali. A policy can cover you for the following: Rearrangement costs if you catch the virus and need to change your plans. Lots of comprehensive ...
Choosing the Best Travel Insurance to Bali
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 ...
Travel Insurance For Bali: The Ultimate Guide to Choosing The Right
Learn what travel insurance for Bali covers, what it costs, and how to find the best policy for your holiday. Compare basic, medical, personal liability, and natural disaster coverage options and tips.
Travel Insurance For Indonesia: The Best Options in 2024
Indonesia Insurance Profile. Here are a few of the many factors influencing the scope and cost of travel insurances for Indonesia: 👥 Number of Visitors. Around 4 million /year. Travel Highlight. Bali. 💸 Healthcare Cost. 133rd globally (below average) 🩺 Healthcare Quality.
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All our travel insurance plans automatically provide cover for 80+ adventure and sporting activities. If you buy a Cover-More policy for Bali, we'll provide you with cover for: snorkelling. jet skiing. scuba diving (under 30 metres) if you're with a diving school or qualified instructor. stand up paddle boarding. bungee jumping.
Compare Travel Insurance For Bali
How much you'll pay for travel insurance for Bali depends on a few factors, including how long you're going for and what you'll be doing while you're away. You'll need worldwide travel insurance for your trip to Bali. A standard policy should cover you for up to 30 days, but if you're planning a longer trip you may need to look at ...
11 Best Travel Insurance Companies in June 2024
Best for adventurous travelers. World Nomads. Best for medical coverage. Travelex Insurance Services. Best if you have travel credit card coverage. Seven Corners. Best for long-term travelers. IMG ...
9 Best Travel Insurance Companies of May 2024
AIG Travel Guard - Best for Add-Ons. HTH Travel Insurance - Best for Long-Term Insurance for International Travel. TravelInsurance.com - Best for Comparing Travel Insurance Quotes. Reviews of the 9 best travel insurance companies of May 2024: Allianz (Best for Business Travel), AIG (Best Add-ons) and Travelex (Best for Families).
12 Best Travel Insurance Companies Of June 2024
The best travel insurance companies are PrimeCover, Travel Insured International and WorldTrips, based on our analysis of 42 policies. Travel insurance policies package together valuable benefits ...
Best Travel Insurance of June 2024
Best Reputation: C&F Travel Insured. Best for Pre-existing Conditions: Tin Leg Travel Insurance. Best for Digital Nomads: WorldTrips Travel Insurance. Best Low-Cost Option: Trawick International ...
Book a Flight
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Best Travel Insurance Companies of June 2024
Best travel insurance of 2024. WorldTrips: Best travel insurance. Travel Insured International: Best for emergency evacuation. TravelSafe: Best for missed connections. Aegis: Cheapest travel ...
Best Time to Visit Bali in 2024
Best Month to Visit Bali Overall. Bali's beaches are scattered with colorful towels and parasols during the island's busiest season, from early July till the end of August. Therefore, the best time to visit Bali is between May and the beginning of July or the end of September. Best. Good.
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Bali Travel Insurance ; Barbados Travel Insurance ; Belize Travel Insurance ... Forbes Advisor researched and analyzed 39 policies to find the best travel insurance. Among the plans that were the ...
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INTERNATIONAL driving license is mandatory. and vehicle documentation. Drive slowly and carefully without endangering yourself and others. rent only vehicles that comply with the road safety requirements and are properly serviced. You can rent your scooter or motorbike for Bali directly online, best quality, best service.