best travel insurance going to bali

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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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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.

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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?

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

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Written by Aisha Ria Ginanti • August 15, 2023 • • Travel Tips • 57 Comments

Bali Travel Insurance: Everything You Need to Know

When embarking on a journey to the enchanting island of Bali, the allure of pristine beaches , lush landscapes, and vibrant culture can easily overshadow the importance of ensuring your safety and well-being during your travels. This is where Bali travel insurance comes into play.

Whether you’re a seasoned traveller or a first-time visitor, understanding the significance of travel insurance for your Bali adventure is paramount. In this comprehensive guide, we delve into everything you need to know about Bali travel insurance, from its benefits to the coverage options that will safeguard your trip from unexpected setbacks.

Table of Contents

Why is it important to have Bali travel insurance?

Benefits of bali travel insurance, what type of insurance do you need for bali, how to choose the best travel insurance, what travel insurance won’t cover, here’s everything you need to know about bali travel insurance for a safe holiday.

Bali travel insurance is your safety net in the face of unforeseen circumstances that might disrupt your travel plans. While you may have meticulously planned your itinerary, there are elements beyond your control, such as flight cancellations, medical emergencies, or even the loss of personal belongings.

These situations can quickly turn your dream vacation into a nightmare. Bali travel insurance steps in to alleviate these worries, providing you with financial protection and peace of mind so you can focus on soaking in the island’s breathtaking beauty.

Trip Cancellation or Interruption Coverage : Life is unpredictable, and sometimes you might need to cancel or cut short your trip due to emergencies. 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 are taken care of, allowing you to receive the best possible care without the added stress of exorbitant bills.
Lost Baggage and Personal Belongings : Misplaced or lost luggage can be a major inconvenience, but travel insurance for Bali offers coverage to replace your belongings, making sure you’re not left without essentials during your stay.
Travel Delay Coverage: Flight delays are not uncommon, and they can disrupt your plans and lead to additional expenses. Travel insurance compensates for these delays by covering accommodation and meals until you can resume your journey.
Emergency Assistance: Navigating a foreign country during an emergency can be daunting. Bali travel insurance provides 24/7 emergency assistance services, offering guidance and support when you need it the most.

Just like any other type of travel insurance, there are two types of travel insurance when you’re on a trip to Bali.

Basic Travel Insurance

The basic level of travel insurance is mainly focused on taking care of your health needs when you’re abroad. It covers things like emergency medical expenses, your stuff, personal responsibility, and other important stuff. It’s usually the most affordable choice and works well if you’re watching your wallet or going on a single trip.

Comprehensive travel insurance

With this kind of insurance, you get bigger coverage for important things like medical expenses, your belongings, being responsible for things, and so on. Plus, it goes the extra mile and covers other things like if your travel plans get messed up, if you need to rent a car, if there’s an issue you lose your important stuff like your passport or credit cards , or even in unusual situations like a hijacking. It also looks out for you in the event of a disability or an unfortunate accident.

There are a bunch of travel insurance companies out there offering awesome coverage. Just make sure to think about what matters most to you and pick the Bali travel insurance that fits you like a glove.

Here are some recommendations for Bali travel insurance that you can consider.

Disclaimer: All the prices below are based on the writer’s simulation (age 30 and travel on September 20, 2023, with an excess of AUD200 for the insurance).

There are three types of insurance they offer:

Medical Only: AUD34.43
Basic: AUD56.09
Comprehensive: AUD63.42

Website: https://www.zoomtravelinsurance.com.au/

International Basic: AUD40.00
International Comprehensive: AUD48.00
International Comprehensive+: AUD60.00

Website: https://www.covermore.com.au/

Southern Cross Travel Insurance
International Medical: AUD52.19
Single Trip: AUD73.95
Annual Multi-Trip: AUD372.21

Website: www.scti.com.au

There are two types of insurance they offer:

Medical Only: AUD54.44
Comprehensive: AUD70.16

Website: https://www.1cover.com.au/

Basic: AUD60.50
Comprehensive: AUD87.90
Multi-Trip: AUD450.43

Website: https://travel.allianz.com.au/

Actually, there are many more Bali travel insurance options for you, which you can choose based on your needs and budget. But what must be remembered is the importance of having travel insurance if you want to vacation abroad.

You don’t want it, do you, if something happens in someone else’s country and you don’t have enough funds for treatment or just compensation for lost goods? If you have a budget for travelling, make sure you include a budget for travel insurance as well.

This is the most important thing that YOU MUST KNOW about travel insurance, that is, your insurance claim will not be enforced if the following things happen.

Going Against the Rules: If you find yourself hurt while doing something against the law, like riding a motorcycle without the proper helmet, your insurance might not cover your hospital bills.
Partying Too Hard: Your insurance might not help if you get into trouble because of too much partying or using illegal drugs, which is a no-go in Bali. Some folks from Australia have gotten into serious trouble recently for these kinds of things.
Choosing Unsafe Spots: It’s a good idea to follow the advice about where to go. If you go to places that are marked as not safe, your insurance coverage might not hold up.
Being a disrespectful visitor: If you don’t follow the local rules, like not climbing sacred trees, causing a mess, being aggressive, or taking inappropriate photos, your insurance might not cover situations where you’re responsible for something bad happening.
Dealing with Health Stuff: If you have any serious health issues and you didn’t let the insurance company know about them before getting the policy, they might not help if something goes wrong related to those issues.

In the grand tapestry of your Bali adventure, travel insurance is the sturdy thread that weaves together a safety net, ensuring you’re well protected against the unexpected. From its invaluable benefits to the array of coverage options, Bali travel insurance is your key to unlocking a worry-free and exhilarating exploration of this tropical paradise.

As you plan your journey to Bali, remember that while you immerse yourself in its beauty and culture, having comprehensive travel insurance is the ultimate testament to responsible and mindful travel. Embrace the wonders of Bali with open arms and a heart full of excitement, knowing that you’ve taken the necessary steps to safeguard your journey of a lifetime.

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

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

Worldwide means anywhere in the world

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

Europe means all European countries, including UK

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

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

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

New Zealand means domestic travel within New Zealand only

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

Bali Travel Insurance

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

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

Travel to Bali

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

Do I need travel insurance for Bali?

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

Compare travel insurance for Bali

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

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

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

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

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

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

Travel Insurance Bali benefits

24/7 Medical assistance

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

Cancellation cover

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

Lost or damaged Luggage

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

Travel delays

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

Family emergency

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

Personal liability

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

WHAT DOES BALI TRAVEL INSURANCE COVER?

What it doesn't....

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

natural disasters in Indonesia

Not all insurers cover natural disasters.

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

riding a scooter in Bali

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

how to Save on Bali travel insurance

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

BAli fun facts

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

Safety Speed Dial

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

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

Ready to find your perfect Bali travel insurance policy?

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

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

Bali Travel Insurance FAQs

What is the current covid situation in bali.

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

How much does travel insurance to Bali cost?

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

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

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

Does picking Bali also cover Lombok?

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

Am I covered if a monkey pinches my camera?

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

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

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

What does Bali travel insurance cover?

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

Eugene Wylde

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

OTHER HANDY Tips & Guides

NZ travel insurance

Want to bungee your way to Queenstown? Save time, worry and loads of money when you compare quotes for your NZ adventure.

Singapore travel insurance

Are you heading on holiday to Singapore lah? With the mouth-watering chilli crab, how could you stay away!

Uk travel insurance

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

Our Travel Insurance Comparision Helps You

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Stay up to date with our latest news, deals and special offers.

Your privacy is important to us.

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

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

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590. Located at Level 12, 338 Pitt Street, Sydney, NSW 2000 Australia.

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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 .

More Travel Insurance Resources

Portrait of happy girl in a hat with a backpack standing on background of mountains and sea.

Should I Get Travel Insurance for a Trip to Bali?

The tropical paradise of Bali is a popular tourist destination for international travel. It’s known for having famous temples, exotic wildlife, and impeccable beaches. In fact, most visitors take a trip here to explore fun water sports like scuba diving, snorkeling, and surfing. But before you book your tickets, you may be wondering, “Do I need to get travel insurance to visit Bali?” And that’s a great question. While it’s not mandatory to have travel insurance to visit Bali, you might be better off having it in case any plans go awry. In fact, there’s a multitude of reasons why getting Bali travel insurance could be beneficial to you and give you peace of mind.

Why Get Bali Travel Insurance?

When you travel to Bali, it’s hard to say “no” to adventure. Whether that’s eating spicy food or speeding off into the sunset on a jet ski, partaking in high-risk activities is more likely when you visit someplace new. You would feel less reluctant to try new things if you had the best travel insurance Bali has to offer. Ensuring that you have proper insurance coverage before stepping foot on the island is a good idea. It could relieve you of any potential unexpected expenses for your upcoming trip. When you get Bali travel insurance, you guarantee yourself the best time without any hiccups.

Medical Assistance

Any good travel insurance company will cover the costs of medical care in case you get into a jet ski accident or get bitten by a monkey in Ubud, which isn’t as uncommon as you’d think. Needless to say, overseas medical costs easily add up. With the right insurance policy, you can decrease an unexpected medical bill to a much lower price.

Car or Bike Accidents

Traveling throughout Southeast Asia is best done on a motorcycle or a scooter. This is because motorbikes are a lot faster than walking but still allow riders to weave in and out of traffic. Unfortunately, Bali is known to have heavy traffic during peak times, and accidents can occur. As an international driver, you should always consider getting the best travel insurance before taking the wheel or scooting around the island. When push comes to shove, you won’t regret comparing insurers to get coverage.

Lost or Stolen Luggage

If you’re packing more than a carry-on and checking your luggage, it’s always best to prepare for the worst. Most travelers don’t experience any theft throughout their trip, but it could easily happen to anyone, and it’s always better to be prepared. Thieves tend to be opportunistic and can easily spot a tourist from a mile away. Never bring any valuable items when you travel in the case that your luggage gets lost. If you do bring any valuable possessions, it’s best to lock them up in your hotel room’s safe. Still, break-ins could happen at any property, and getting your luggage covered by insurance works to your advantage. Most travel insurance plans will cover theft as long as your claims are validated. A police report or a confirmation from an airline easily does the trick.

Unforeseen Circumstances

Even the most well-traveled people experience unforeseen circumstances or bad luck These situations can include family emergencies, travel delays, trip cancellations, and even natural disasters. Natural disasters can include tsunamis, volcanic eruptions, typhoons, and more. While you might think of a volcanic eruption as unlikely, Bali’s own Mount Agung has had several eruptions throughout the last several years.

Whether it’s getting a bad injury or losing track of your luggage , getting the best travel insurance is a safety net that any visitor could utilize. You can relax and enjoy your upcoming trip when you anticipate the unexpected. When it comes to Bali travel insurance, it’s always better to be overprepared than underprepared.

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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 insurance provider, airline or homeowners insurance company (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 company 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:

Spirit Airlines scrubs 60% of its Wednesday flights, says cancellations will drop ‘in the days to come.’
‘Just a parade of incompetency’: Spirit Airlines passengers with ‘nightmare’ stories want more than apology, $50 vouchers
‘This is not our proudest moment’: Spirit Airlines CEO says more flight cancellations expected this weekend
Hurricane Irma: Flight cancellations top 12,500; even more expected
Is an annual travel insurance policy right for you?
How 2020 and COVID-19 changed travel forever – and what that means for you
COVID-19 or delta variant have you ready to scrap your trip? Here’s how to cancel like a pro
Sunday: Snow is over, but flight cancellations top 12,000
After nearly 13,000 Harvey cancellations, Irma is new threat to airline flights
What’s the difference between travel insurance and trip ‘protection’?
How to choose the right travel insurance for your next vacation
Travel insurance can save the day
Angry passengers brawl after Spirit cancels flights
What to do when travel insurance doesn’t work
How lockdowns, quarantines and COVID-19 testing will change summer travel in 2021
Travelers will pay and worry more on summer vacation this year. But they won’t cancel
How to find a hotel with COVID testing and quarantine facilities wherever you travel
Yearning to travel in 2022? First, figure out your budget – then pick a destination
Pro tips for surviving a long flight during a pandemic: Get the right mask, bring a pillow
Want to steer clear of contracting COVID-19 on your next vacation? Follow these guidelines
Post-pandemic travel: Is it OK to ask another passenger’s vaccine status or request they mask up?
These days, forgetting these important travel items could cost you thousands of dollars
International travel hacks: When to book flights and hotels, how to deal with COVID-19 rules
Traveling post-coronavirus: How do you book your next trip when so much remains uncertain?
The COVID-19 guide to holiday travel – and the case for why you shouldn’t go this year
Should you travel during the holidays? Americans struggle with their decision
‘There’s still pent-up demand’: What you should know about fall travel
Planning for life after coronavirus: When will we know it’s safe to travel again?
‘Busiest camping season’: Travelers choose outdoor recreation close to home amid COVID-19 pandemic
Considering a camping trip this summer? Tips to make sure your gear is good to go
RVing for the first time? 8 tips for newbies I wish I’d known during my first trip
Five myths about travel agents
Should I buy travel insurance?
Is travel insurance stacked against you?
Five myths about travel insurance and terrorism
These eight things could get your travel insurance claims rejected
There’s a good chance that your credit card already gives you some kind of travel insurance coverage
How to avoid a hotel cancellation penalty
Change fees and travel insurance continue to rise

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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I have been doing my insurance research today.

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

I’m heading towards TICK Insurance

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

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

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

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

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

Yes Lynne. I got a shock too.

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

I like you will read it all tonight

My insurance quote increased by more than 500%

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

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

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

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

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

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

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U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

8 Cheapest Travel Insurance Companies Worth the Cost

Trawick International »

World Nomads Travel Insurance »

AXA Assistance USA »

Generali Global Assistance »

Seven Corners »

Allianz Travel Insurance »

IMG Travel Insurance »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Cheapest Travel Insurance Companies.

Table of Contents

Trawick International
World Nomads Travel Insurance
AXA Assistance USA

There are plenty of smart ways to save money on your travel plans, but refusing to buy travel insurance isn't necessarily one of them. Not having travel insurance can mean being on the hook for exorbitant medical bills or costs for emergency transportation if you become sick or injured during your trip. You could also face significant financial losses if your trip is delayed or your bags are lost or stolen, and without travel insurance you won't have a third party to rely on for assistance.

Buying affordable travel insurance makes more sense than skipping this coverage altogether, so read on to find out which companies offer the cheapest plans and all the protections you can get for a low cost.

How We Chose the Cheapest Travel Insurance Companies

To determine the cheapest travel insurance companies, U.S. News created sample traveler profiles for three separate eight-day trips to different destinations (the Cayman Islands, Spain and California) at a range of price points ($6,500, $10,500 and $8,500, respectively). We used that information to get quotes for the cheapest option for 100% trip cancellation coverage for each trip. We then calculated the average cost of the trips.

The travel insurance companies that made our ranking have a high credit rating and offer the lowest average cost, outlined below. (Note: The sample average costs are not price quotes from U.S. News. To find a travel insurance price quote, use the "View plans" link to enter your trip details and find more information.)

Generali Global Assistance
Seven Corners
Allianz Travel Insurance
IMG Travel Insurance
Trip cancellation coverage (up to $30,000) for 100% of the insured vacation
Trip interruption coverage (up to $30,000) for 100% of the insured vacation
Trip delay coverage worth up to $1,000 ($150 per day for delays of 12 hours or more)
$750 in coverage for lost and damaged luggage; $200 for baggage delays
Up to $500 in coverage for missed connections of three hours or more
Up to $50,000 in emergency medical coverage ($750 sublimit for emergency dental)
Up to $200,000 in coverage for emergency medical evacuation
Up to $2,500 of trip protection for cancellation or interruption
Up to $1,000 in coverage of lost, stolen or damaged baggage; up to $750 for baggage delays on your outward journey
Up to $100,000 in emergency medical insurance; $750 dental sublimit
Up to $300,000 in coverage for emergency medical evacuation
24-hour travel assistance services

SEE FULL REVIEW »

Up to 100% coverage for trip cancellation and interruption
Up to $500 in coverage for trip delays ($100 per day)
Up to $500 in coverage for missed connections
Up to $25,000 in coverage for emergency medical expenses
Up to $100,000 in coverage for emergency medical evacuation
Up to $750 in coverage for baggage and personal effects; $200 for baggage delays
Up to $10,000 in coverage for accidental death and dismemberment (AD&D)
Up to $25,000 in coverage for common carrier AD&D
Coverage up to 100% of the insured vacation for trip cancellation
Up to 125% of the insured vacation cost for trip interruption
Travel delay coverage worth up to $1,000 per person ($150 per person daily limit)
Up to $1,000 per person for lost, damaged or stolen bags; $200 per person for baggage delays
Up to $500 per person for missed connections
Up to $50,000 in emergency medical and dental coverage
Up to $250,000 in coverage for emergency assistance and transportation
AD&D coverage for air travel worth up to $50,000 per person ($100,000 per plan)
Trip cancellation coverage up to $30,000
Trip interruption coverage up to 100% of the cost of the trip
Trip delay coverage worth up to $600 (for six-hour delays; $200 limit per person per day)
Lost, stolen or damaged baggage coverage up to $500
Baggage delay coverage worth up to $500 (for six-hour delays; $100 per day)
Missed cruise or tour coverage worth up to $500 ($250 per day)
Emergency accident and sickness medical coverage worth up to $100,000 (secondary coverage)
Up to $750 in emergency dental coverage
Up to $250,000 in protection for emergency medical evacuation and repatriation of remains
Trip cancellation coverage worth up to $10,000 per traveler
Trip interruption coverage worth up to $10,000 per traveler
Travel delay coverage worth up to $300 ($150 per day)
Luggage loss and damage protection up to $500 per traveler
Baggage delay coverage worth up to $200 per day
Emergency medical and dental coverage up to $10,000 ($500 for dental expenses)
Emergency medical transportation coverage worth up to $50,000
24-hour hotline assistance
Up to 100% in coverage for trip cancellation
Trip interruption benefit worth up to 125% of the trip cost
Up to $500 for travel delays per person ($125 daily maximum per person)
Up to $750 for lost, damaged or stolen bags ($250 maximum per item)
Up to $150 in luggage delay coverage
Up to $100,000 in emergency medical coverage
Up to $500,000 in coverage for emergency medical evacuation and repatriation of remains
Trip cancellation coverage worth up to 100% of trip cost (up to $10,000)
Trip interruption coverage up to 100% of trip cost
Up to $500 in coverage for travel delays (five-hour delay required; $100 daily limit)
Coverage worth up to $1,000 for lost, damaged or stolen baggage ($250 per item)
Coverage worth up to $200 for baggage delays of 12 hours or more
Up to $250 in coverage for airline reissue or cancellation fees
Up to $250 in coverage for reinstatement of frequent traveler awards
Emergency medical and illness coverage worth up to $10,000
Up to $500 in coverage for emergency dental expenses
Up to $250,000 in coverage for emergency medical evacuation and repatriation of remains
AD&D coverage worth up to $10,000
Travel assistance services

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

Holly Johnson

These are the scenarios when travel insurance makes most sense.

9 Best Travel Insurance Companies of 2024

Find the best travel insurance for you with these U.S. News ratings, which factor in expert and consumer recommendations.

The 5 Best International Travel Insurance Companies for 2024

International travel insurance is a must-have for every trip abroad, and for more reasons than one.

Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

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5 Things You Must Know Before Ever Buying Travel Insurance

Whether you are a frequent traveler or someone who only takes one long vacation a year, having travel insurance is always a good idea, especially if you plan to go abroad. Travel insurance can help you cover any unexpected expenses like medical care and lost or delayed baggage.

However, before buying travel insurance there are five key things you should keep in mind to ensure the best coverage for your needs:

Always Understand Properly What You Are Getting

Not all insurance policies are equal. The coverage usually includes trip cancellations, medical emergencies, and lost luggage. However, picking the cheapest insurance may come with certain exclusions and claim limits. For instance, some policies also cover natural disasters, while others don't.

Pre-Existing Medical Conditions Matter

Declaring pre-existing medical conditions is required for every insurance, including travel. Checking things like whether the policy covers any necessary doctor visit or hospital stay related to a previous condition is included in the policy or not, will help you immensely later.

Check The Claim Process To Avoid Any Hassle Later

Before purchasing a policy, check how the claims are processed and the documentation you will require. While some insurers have a straightforward online process, others may need more legwork. To get a better understanding, checking reviews of past customers can be helpful.

Where You Plan To Go Will Affect Your Insurance Needs

Whether you plan to go to one place or more, your destination will play a role in determining the travel insurance policy needed. For example, if you plan to go to a place with a history of political upheaval or terrorism, choosing a policy with evacuation coverage would be wise.

Don't Settle For The First Policy You Find

Doing research, comparing notes of customer reviews, cost and coverage, and shopping around for different plans, helps you tailor the best policy for your need. Create a checklist of what are your requirements, and then compare policies. Websites with aggregated insurance options can be a good starting point.

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IMAGES

Travel Insurance For Bali
Do I Need Travel Insurance for Bali, Indonesia?
Here's Why You Need a Travel Insurance in Bali
Bali Travel Insurance Guide
Travel Insurance For Bali
What Is The Best Travel Insurance For Bali 2024?

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COMMENTS

Travel Insurance For Bali
The upgrade will increase the price of your travel insurance plan cost by about 50% but gives you the liberty to cancel your trip for any reason and make a claim. Reimbursement for this is ...
4 Best Travel Insurance for Bali in 2024
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.
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 ...
Guide To Bali Travel Insurance
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.
Travel insurance for Bali
Inter Partner Assistance S.A. UK Branch office address is 106-118 Station Road, Redhill, RH1 1PR. Inter Partner Assistance S.A. is part of the AXA Group. WorldNomads.com Pty Limited markets and promotes travel insurance products of nib Travel Services Limited (License No.1446874), at PO Box 1051, Grand Cayman KY1-1102, Cayman Islands.
Get Covered: Finding The Best Bali Travel Insurance Plan
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 ...
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 ...
Travel insurance for Bali
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.
Bali Travel Insurance
Single trip travel insurance will suit you if you only plan to visit Bali in the next 12 months. But if you're taking other trips during the year, an annual policy could work out cheaper. It will cover you for all your holidays, as long as each trip lasts no longer than a certain duration. Depending on the policy, that could be around 30 days ...
Travel Insurance For Bali: The Ultimate Guide to Choosing The Right
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.
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 ...
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 ...
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.
Bali travel insurance
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 Bali
The cost of travel insurance can vary enormously! Say you're 30ish years old and you're going to Bali for a one-week holiday. Depending on your preferred level of cover, you can expect to pay anywhere from $32 to $250. Basic policies for around $20 - $50 you can expect (generally speaking) medical, personal liability and unexpected travel ...
Travel Insurance for Bali (2024)
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
Travel insurance isn't mandatory, but strongly recommended. Due to the Covid pandemic, Bali has chosen to require a negative Covid antigen test conducted one day before departure, or a PCR test conducted no more than two days before departure. For now, travel insurance is not a requirement for international visitors, but it's highly recommended.
Should I Get Travel Insurance for a Trip to Bali?
You would feel less reluctant to try new things if you had the best travel insurance Bali has to offer. Ensuring that you have proper insurance coverage before stepping foot on the island is a good idea. It could relieve you of any potential unexpected expenses for your upcoming trip. When you get Bali travel insurance, you guarantee yourself ...
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 ...
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).
Best Australian travel insurance? : r/bali
Covermore and TID are both fine. I've used both, I've only made a claim with Covermore for lost items. Covermore are usually more expensive but better to deal with generally (last trip I tried to get my flights changed due to medical requests but they weren't super helpful). 1. Award. ero_senin05.
Travel Insurance for Bali
236 posts. 93 reviews. 127 helpful votes. Travel Insurance for Bali. 2 years ago. The Travel Insurance provider that we have used for years unfortunately has gone out of business due to COVID. So, we are looking for recommendations for a reliable insurer who will provide comprehensive cover, especially for one person with pre-existing medical ...
8 Cheapest Travel Insurance Companies Worth the Cost
To determine the cheapest travel insurance companies, U.S. News created sample traveler profiles for three separate eight-day trips to different destinations (the Cayman Islands, Spain and ...
Average Cost Of Travel Insurance 2024
Compare Quotes. Via Forbes Advisor's Website. The average cost of travel insurance is 5% to 6% of your trip costs, according to Forbes Advisor's analysis of travel insurance rates. For a $5,000 ...
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Discover amazing travel experiences with Lonely Planet's insider tips, inspirational traveler stories and expert guidance from around the world. ... The 10 best places to go on a river cruise in Europe ... Beach-going, people-watching, architecture-viewing and more, all to be enjoyed for free. activities.
5 Things You Must Know Before Ever Buying Travel Insurance
However, before buying travel insurance there are five key things you should keep in mind to ensure the best coverage for your needs: Always Understand Properly What You Are Getting. Not all ...
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Facturación: ¿Qué es, cómo es el proceso y cuáles son las responsabilidades y beneficios? Revisa los consejos de #EmprendedoresWorkCafé

Best Travel Insurance for Bali – Price & Requirements

How much is travel insurance for Bali?

Bali travel insurance requirements

1. Heymondo , the best travel insurance for Bali

2. SafetyWing , a cheap travel insurance for Bali

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

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

Essentials to save on your trip to Bali

Do I need travel insurance to visit Bali?

Seven Corners

Best for Robust Coverage

Best Rated Travel Insurance

Best for Travel Delays

Risk of volcanic eruptions and natural disasters

Risk from sporting activities

Risk of a driving accident

Trip cancellation insurance

Trip delay insurance

Trip interruption insurance

Travel medical insurance

Medical evacuation insurance

Insurance for personal items

Rental car coverage

Transportation method.

Travel preferences.

Date of purchase.

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

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

Is it safe to visit Bali?

Is travel insurance mandatory for Indonesia in 2024?

What documents are required for Bali travel?

Does Bali require COVID insurance?

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The Best Bali Travel Insurance Policies: The Guide for 2024

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Click through now for a free quote:

Best Bali Travel Insurance: Introduction

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

Is travel insurance mandatory for Bali and Lombok?

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

What are the common sickness and health issues in Bali?

Should you worry about Malaria and Dengue Fever in Bali?

Is Bali healthcare expensive?

Why Bali travel insurance is important for seniors

What should Bali travel insurance cover?

Six things Bali travel insurance should cover

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

Is emergency medical evacuation and repatriation important?

Should I have non-medical emergency evacuation?

Is baggage and personal property cover important?

Trip Cancellation

Canceling your Bali trip for health reasons

Canceling your Bali vacation trip because of extreme weather

Cancelling your trip due to Volcano activity

Trip interruption

Treating travellers Bali Belly

Adventure sports and activities

Riding motorbikes and scooters

Accidental death and dismemberment

Baggage loss and theft coverage