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• Travel Insurance Bali

On This Page

• Key takeaways

Do I need travel insurance to visit Bali?

Our top picks for the best travel insurance for bali, 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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Best Travel Insurance for Bali – Price & Requirements

Home | Travel | Asia | Indonesia | Bali | Best Travel Insurance for Bali – Price & Requirements

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

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

Best Travel Insurance for Bali – Price & Requirements

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

5% OFF your travel insurance

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

Is travel insurance mandatory for Bali?

How much is travel insurance for Bali?

• Best travel insurance for Bali

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

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

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

Bali travel insurance requirements

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

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

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

*price used for example

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

1. Heymondo , the best travel insurance for Bali

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

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

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

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

2. SafetyWing , a cheap travel insurance for Bali

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

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

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

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

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

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

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

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

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

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

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

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

What travel insurance do I need for Bali?

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

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

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

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

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

Essentials to save on your trip to Bali

Check the best no-foreign transaction fee credit cards .

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

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

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

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

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

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

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

Ascen Aynat

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

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

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

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

Warmest regards,

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

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

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

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

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5% OFF your Heymondo travel insurance.  It pays your medical bills upfront!

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Travel Insurance for Bali

Travelling to bali.

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

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

Why choose us?

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

Basic Travel Insurance

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

Comprehensive Travel Insurance

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

Multi-Trip Travel Insurance

• Overseas emergency assistance, medical and hospital expenses 2

Health and safety when travelling in Bali

Staying safe

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

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

Keeping healthy

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

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

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

Being prepared for adventures

Adventure activities

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

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

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

Riding mopeds and motorcycles

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

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

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

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

Ready to find your travel insurance for Bali?

Frequently asked questions.

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

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

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

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

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

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

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

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

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

We're here to help

Give us a call, or send us a message, follow us on, *conditions apply.

• Policy terms, conditions, exclusions, limits and applicable sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the PDS to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, exclusions, limits and applicable sub-limits that apply.
• Terms, conditions, exclusions, limits and applicable sub-limits apply. Eligibility criteria may also apply. Refer to the PDS for full details.
• You won’t have cover under Permanent Disability and Personal Liability benefits for any claims arising from your participation in any of the activities listed under Adventure Pack or your participation in snow sport activities, even if you’ve bought a Snow Pack or an Adventure Pack.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

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Bali Travel Insurance

Relax and unwind, knowing you have cover with RAC

Don’t forget to pack peace of mind before leaving for Bali

Bali is known as paradise for a reason, offering incredible views, exquisite resorts, and a lively culture all set against the backdrop of a rich tropical climate. However, like any trip abroad, there are risks. Don't let uncertainties overshadow your Bali experience. Embrace the beauty with peace of mind, knowing RAC has your back with Bali travel insurance. Compare RAC’s travel insurance plans and choose what suits you (and your fellow travellers) best. Flexible coverage options ensure ultimate peace of mind during your getaway.

Why could travel insurance be important for Bali?

Cover your bases with RAC and relax with ease, knowing you’ve taken all the necessary precautions. It’s important to be prepared in case you’re injured or encounter an unexpected expense.

Compare RAC’s Bali travel insurance plans and find one that suits you, so you can relax on your holiday.

What’s covered?

Scooter coverage, medical coverage, 24/7 medical emergency assistance, trip delays, interruptions, & cancellations, baggage protection, adventure sports, covid-19 cover, natural disasters.

* Limits, Sub limits and conditions apply. Learn more about what’s covered in our Product Disclosure Statement .

^ Terms and conditions apply. The driver must hold a current Australian licence (not including learners permit) or a valid licence in the country you are in. You must wear a helmet as a driver or passenger. You must not be under the influence of drugs or alcohol.

# There are some sports that have conditions of cover and some may not be covered. Learn more about what’s covered in our Product Disclosure Statement .

Compare our policies

Whether you plan to lay by the pool, explore the island, or tick every adventure activity off the list, RAC may have a plan for you. Compare our policies below.

# Limits and sub-limits apply ^^ $unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. ** $unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including that arising from a terrorist act) or illness occurring which first shows itself during your period of insurance. Benefits may be paid up to 12 months from the time you received treatment for the injury or illness, but only for reasonable expenses incurred during that time. Medical treatments must be provided by a legally qualified medical practitioner. You must notify us as soon as practicable of your admittance to hospital. * This cover is per person listed in your policy ^ This cover is per policy

Terms and conditions apply. This advice is general advice only. Please refer to the Product Disclosure Statement before making a decision about this product and read the Target Market Determinations (TMDs) before determining whether this product is suitable for your circumstances. This product is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (ABN 80 000 438 291 AFSL 246548).

Why consider RAC for your Bali travel insurance?

Travel insurance with RAC gives you the ultimate peace of mind for your dream Bali holiday. Unleash your free spirit and soak up the good vibes, knowing you’re prepared with the knowledge and support to make the most your adventure.

RAC members save 15%

Automatic scooter cover, dependents under the age of 25 covered for free**.

** Dependents mean children, stepchildren, foster children or grandchildren who are age 25 or younger. Financially dependent on you, travelling with you the whole time and listed on your certificate of insurance.

Get your quote today

Get an online quote.

Get an instant quote and purchase your insurance easily online, it's as easy as a few clicks.

Have a pre-existing condition? No need to call us to check your coverage. Simply use our online medical assessment tool to determine if your condition can be covered. 

Get a quote

Speak to a team member

Need help or have more questions? Speak to one of our friendly travel insurance consultants.

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• Frequently asked questions

If you’re still not sure, check out our FAQs below

If you're travelling to Indonesia for tourism, official government duties or business meetings, you can apply for an e-Visa on Arrival (e-VOA) . Apply at least 48 hours before your travel to Indonesia.

You can also get a Visa on Arrival (VOA) at some international airports, seaports or land crossings. Visit Smart Traveller for more information.

Consider consulting your doctor beforehand on any vaccines you may need and ways to protect yourself while travelling. You can also refer to Smart Traveller for up to date information on health concerns in Indonesia.

Stay up to date with the latest travel alerts and recommendations on the Australian Government’s website Smart Traveller .

Bali has strict border-protection consequences. Always pack your own bag, and you may want to consider getting it wrapped before you fly. Check Smart Traveller to find out more ways to protect your baggage.

Yes, you can purchase travel insurance after booking your flight and accommodation and still have it covered, just make sure you’ve purchased it before you leave home.

No, you can purchase travel insurance after booking your flight — but not after you depart.

RAC’s travel insurance does not have a restrictive age limit - Cover is available to Australian residents over the age of 18. All dependents are automatically covered with RAC’s guardians policy , so, your children and grandchildren are automatically covered as long as they are under 25, financially dependent on you and travelling with you for the duration of your trip. They also need to be listed on your certificate of insurance.

RAC members get a 15% discount on all our travel insurance options. Learn more about the benefits of becoming an RAC member .

If you have a medical condition, let us know online or over the phone. After a few follow up questions, we can provide an assessment to see if you’re covered, and a tailored quote to have the medical condition included within your cover.

It is also important to remember that many prescription medications in Australia are illegal in Indonesia. Consult your doctor and check Smart Traveller to make sure your medications are ok to bring.

Travel insurance with RAC covers your children and grandchildren free of charge, provided they are travelling with you, are up to the age of 25, are financially dependent on their parents, are not working full time, and do not require medical assessment.

Any claims involving a person who has been consuming alcohol will be assessed by RAC on a case-by-case basis. However, if you have been hospitalised as the direct result of alcohol consumption (i.e. your illness or injury is assessed to have been the result of alcohol consumption) you may not be covered.

See our Product Disclosure Statement for more details

Blog & resources

Want to dive deeper into all things Bali? Check out some of our helpful articles below.

Travel insurance and COVID-19 cover

Things to know before you go overseas.

Cruising from Perth in 2023

Everything you need to know.

9 holiday spots in Indonesia that aren't Bali

Those other tropical destinations right on our doorstep

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Get up to 20% off when travelling together (automatically applied at checkout). T&Cs apply.

Get 10% off your policy with code EXPLORE10 (apply at checkout). T&Cs apply.

Freely now covering existing medical conditions. T&Cs apply. Learn more .

Travel insurance for Bali

It’s all bagus in bali.

With its endless rice paddies and world-famous surf breaks, the Indonesian island of Bali has long enchanted Australian visitors. Although it’s a friendly destination, Bali’s rumbling volcanoes, cheeky monkeys and non-potable tap water mean it might be a good idea to consider getting travel insurance. We can help with that.

How Freely works

Start with our Explorer Plan

We've made buying travel insurance easier by bundling medical, trip and belongings cover in our single Explorer Plan. Get a quote and buy your policy in minutes.

Add Trip Extras

If you need additional coverage for your trip or favourite gadgets, you can build upon the Explorer Plan by adding any of our Trip Extras.

Turn on Daily Boosts

Last-minute ski trip? Need a rental vehicle or motorcycle for the day? Embrace spontaneity and toggle on additional activity coverage for the days you need it.

Planning to ride a scooter in Bali – as a driver or as a passenger? To get coverage, you must add our Motorcycle and Moped Riding Boost to your base policy for all the days that you’re riding and meet the requirements set out in the PDS .

Love that I just add in my trips and I’ve got travel insurance just like that!

What's covered.

We've simplified travel insurance with our bundled Explorer Plan that you can build upon with extra coverage. This way, you only pay for the coverage you need on the days you actually need it.

Cover for medical

We provide coverage for overseas medical expenses, including hospital expenses for approvable claims. If things go really wrong, we can help with emergency repatriation or evacuation to bring you home. Only applies to Overseas Explorer Plan

Cover for your trip

If you need to amend, delay or cancel your trip, we can help smooth out bumps in your travel plans. You can even increase your cancellation coverage in increments of $1,000 by paying additional premiums.

Cover for your gear

We offer coverage to help fund the replacement or reimbursement of delayed, lost, stolen or damaged luggage. You can also increase the single-item limit for portable electronic gadgets, and ramp up your coverage for other specified items you won't travel without.

When things go wrong overseas, travel insurance can be the unexpected hero of your trip. Freely's Overseas Explorer Plan offers coverage for medical and dental, emergency evacuation and repatriation, trip cancellation and amendment, and lost and delayed luggage.

Cover for your health

Accidental death $10,000.

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your death, we will pay your estate the amount (provided your death occurs within one year of the accident).

Disability $10,000

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your permanent total loss of sight in one or both eyes or the loss of use of one or more limbs, we will pay you the amount shown in the Plan purchased (provided the loss occurs within one year of the accident).

Overseas medical expenses $Unlimited~

If you become sick or injured while on your trip, we may provide cover for unexpected medical and hospital expenses.

Overseas emergency dental $Unlimited~

If you need to pay for unexpected dental treatment during your trip, we may provide cover for emergency overseas dental expenses.

Overseas emergency repatriation $Unlimited~

If you become sick or injured while on your trip and need emergency repatriation, we may provide cover for that.

Existing medical conditions Limits apply

Some existing medical conditions are automatically covered by our Explorer Plan (subject to the criteria outlined in the PDS). If your existing medical condition falls outside the criteria or isn’t on the list, we may still be able to provide cover for your condition subject to the outcome of a short medical assessment, an additional premium may apply.

Overseas emergency evacuation $Unlimited~

If you become sick or injured while on your trip and need emergency evacuation, we may provide cover for that.

Accidental death $25,000

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your death, if approved, we will pay your estate the amount (provided your death occurs within one year of the accident).

Disability $25,000

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your permanent total loss of sight in one or both eyes or the loss of use of one or more limbs, if approved, we will pay you the amount shown in the Plan purchased (provided the loss occurs within one year of the accident).

Trip cancellation and amendment $5,000

If you need to unexpectedly amend or cancel your trip for a covered reason, we can reimburse you for the costs of your prepaid, non-refundable travel arrangements.

Additional expenses Limits apply

If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we may provide cover for the additional expenses you incur.

Travel delay expenses $2,000

If your pre-booked, prepaid transport is temporarily delayed during the journey for at least 6 hours due to an unforeseeable circumstance outside your control (including a cyber incident), we may provide cover for the related expenses you incur up to $2,000.

Resumption of journey $2,000

If you need to return to Australia while you're on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner, we may provide cover for the cost of resuming the journey up to $2,000.

Special events $2,000

If, due to an unforeseeable circumstance outside your control, your journey would otherwise be delayed – resulting in you being unable to arrive in time to attend a wedding, funeral, 25th or 50th wedding anniversary, or a prepaid conference, music festival or sporting event that cannot be delayed due to your late arrival – we may pay for the reasonable additional cost of using alternative public transport to arrive at your destination on time.

Personal liability $3,000,000

If you become unintentionally legally liable to pay compensation for damage caused to someone, we may provide coverage of up to $3,000,000. Limits, sub-limits, conditions and exclusions apply.

Cover for your stuff

Lost, stolen or damaged luggage $10,000.

If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for your items or for repairing your items. The limit per item is $750.

Luggage delay $1,000

If your luggage is delayed by a transport provider for more than 12 hours during your trip, we can reimburse you for the costs of several personal items purchased.

Passport and travel documents $1,000

We may pay you for the cost of replacing travel documents and credit cards lost or stolen on the journey. We may also pay for your legal liability arising from their illegal use. You must, however, comply with all the conditions of the issue of the document prior to and after the loss or theft.

Lost or stolen money $500

If your cash, bank or currency notes, postal or money orders are accidentally lost or stolen on your trip, we can reimburse you for the cost of the loss.

It's easy to assume that travel insurance is only necessary for overseas holidays – but travelling domestically within Australia's borders carries many of the same risks! Freely offers coverage for all domestic travel: from the bustling hubs of Sydney and Melbourne to more regional, nature-based destinations such as Tasmania and the Gold Coast.

Additional expenses $10,000

If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we can provide cover for the additional expenses you incur.

If your pre-booked, prepaid transport is temporarily delayed during the journey for at least 6 hours due to an unforeseeable circumstance outside your control (including a cyber incident), we can provide cover for the related expenses you incur up to $2,000.

If you need to return to Australia while you're on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner, we can provide cover for the cost of resuming the journey up to $2,000.

If, due to an unforseeable circumstance outside your control, your journey would otherwise be delayed – resulting in you being unable to arrive in time to attend a wedding, funeral, 25th or 50th wedding anniversary, or a prepaid conference, music festival or sporting event that cannot be delayed due to your late arrival – we will pay for the reasonable additional cost of using alternative public transport to arrive at your destination on time.

Personal liability $200,000

If you become unintentionally legally liable to pay compensation for damage caused to someone else's property or for the injury or death of someone, we may provide coverage of up to $200,000.

If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your items. The limit per item is $750.

There’s a lot of detail to unpack in the above, so refer to and read the Combined FSG/PDS for more information. To learn about the Target Market for this product, you can read our TMD . ~ Medical and dental cover will not exceed 12 months from onset of the illness or injury.

Need extra coverage for your trip?

Build on your Explorer Plan by adding Trip Extras to get greater protection for your personal belongings, and enhanced delay and cancellation coverage. You can also toggle on Daily Boosts to get coverage for certain activities, from motorbike riding to adventure sports – and toggle them off when your plans change!

How to get to Bali

Getting to Bali from Australia is super easy due to the variety of relatively cheap flights offered by airlines such as Jetstar, Virgin Australia, Malindo and AirAsia. Bali’s international airport is called I Gusti Ngurah Rai, and depending on which Australian airport you are flying from, the journey will take you between three and seven hours. The average travel time for direct flights from Sydney or Melbourne to Bali is just over six hours!

If you have an Australian passport with at least six months’ validity, you are eligible for Indonesia’s Visa on Arrival or e-Visa on Arrival. This can be purchased when you land at some international airports – including Bali’s. It’s valid for 30 days and costs around $50AUD. You also need to have a flight out of Indonesia booked as proof that you will not overstay. 

On February 14, 2024, the Balinese government also introduced a levy for foreign tourists that costs IDR 150,000 (about $15AUD).

For the latest travel and visa requirements, always be sure to check the Australian Government website Smartraveller and organise the right travel documents before travelling.

Why get travel insurance for Bali?

Bali is a beautiful island with plenty of wonders to enjoy on your visit – from majestic Mount Agung and the jungles of Ubud. That said, travelling in Bali also opens you up to many risks, which is why it is important to consider getting travel insurance for your trip. Events out of your control can cause turmoil with your holiday plans and leave you seriously out of pocket.

Scenarios that could see you needing medical assistance in Bali include contracting traveller's diarrhoea (known colloquially as Bali belly), getting a reef cut surfing or being in a scooter accident (keep in mind that as a rider or as a passenger, you need to have added our Motorcycle and Moped Riding Boost to your base policy at an additional cost and meet the requirements to get coverage. For full details, read our PDS).

Apart from the high costs of medical care in Bali, there are several other reasons why getting travel insurance is a smart choice. For instance, travel insurance can cover you in case of trip cancellations, lost or stolen luggage, or even emergency evacuations. Purchasing travel insurance for Bali gives you an extra layer of protection against all these unwanted scenarios and more that may occur during your travels.

Top tips for travelling in Indonesia

Here are some helpful tips to consider ...

Take steps to prevent traveller's diarrhoea or Bali belly

Don’t drink from the tap – stick to filtered or bottled water instead. Sanitise and wash your hands regularly. You can also take a natural probiotic like Travelan as a preventative supplement to get your guts in good shape before you go. If the worst happens and you succumb to the sickness, take activated charcoal tablets, stay hydrated and get plenty of rest.

Respect the laws and local customs

Unfortunately, some tourists get a little overexcited in Bali and tend to forget about local laws and customs – and disrespecting these can get you in big trouble. Follow the road rules, never drink and drive, be mindful not to step on religious offerings, don’t take photos of people without asking and be respectful of sacred spaces such as temples.

Be sustainably minded

Bali’s natural beauty is gobsmacking, and the more we can do to preserve it, the better! Wear reef-safe sunscreen when in the water; carry your own reusable drinkbottle (your accommodation will have water coolers you can use to refill); and say no to plastic wherever possible.

Why Freely?

Only pay for the extra coverage you need on the days you actually need it.

Update your policy on your trip so you can embrace travel spontaneity.

Get 24/7 support in-app with access to our medical and emergency specialists.

Still got questions?

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Travel Insurance for Bali (2024)

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

in under 2 minutes

with our comparison partner, Squaremouth

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

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

Click here for our travel alert about the Israel – Gaza conflict. Due to the current conflict in Ukraine, our policies exclude coverage for any trips to Russia, Ukraine or Belarus. Check out latest travel alerts here before buying a policy.

Bali Travel Insurance

Bali’s position near the equator makes it a wonderful tropical holiday destination year round. Beautiful beaches, stunning temples, endless natural beauty, rich culture, and extreme value for your money all come together to make Bali holidays exciting and memorable.

It is essential you take out travel insurance to Bali, as the unexpected can occur with any travel.

Why Travel With Us to Bali?

What Your InsureandGo Policy Will Cover You For

InsureandGo, Australia’s  online travel insurance  specialist, offers affordable comprehensive policies that are backed by an expansive 24/7 global assistance network. There are three levels of coverage to choose from; bare essentials, silver and gold to suit your unique travel needs and budget. Depending on which level of coverage you choose, your travel insurance policy for your next trip to Bali may include the following:

• Unlimited Overseas Medical Expenses
• Trip Cancellation for Instances such as Unforeseeable Death, Injury, or Illness
• Emergency Medical Evacuation
• Trip Interruption
• Lost Bags or Personal Belongings
• Pregnancy Cover For up to 30 Weeks
• Unlimited Dependent Children up to the Age of 18 Insured for Free**
• Coverage for 90 Different Sports and Leisure Activities Including Bungee Jumping and Snorkelling

Please read our full insurance  policy terms , provisos, exclusions, and conditions for full details regarding this coverage.

Natural Disaster Cover

When travelling to a destination like Bali, it is important to include a policy upgrade (available on summary page of quote journey) which will cover you from unexpected natural disasters. Natural disasters that can occur in the Bali region are wide ranging and include floods, cyclones, landslides, earthquakes, and volcanic eruptions.

To make a claim due to a natural disaster, you must have purchased this policy upgrade option and the option must be shown on your policy. Please note that there is no coverage for costs incurred as a result of a natural disaster event that is known prior to purchasing or upgrading the policy. If there is a known natural disaster event, it will be mentioned prior to payment on our website and over the phone by our agents.

Note that medical cover due to any natural disaster is automatically included in all international policies without purchasing Natural Disasters add-on.

Choose our Silver or Gold level of cover and you will be protected for cancelling your trip before departure or cutting your trip short. All levels of cover will include coverage for additional emergency expenses. These are expenses you incur after departure that are over and above what you had originally budgeted to pay, if your trip is disrupted, or you are required to return to your home in Australia because of a natural disaster. These expenses can include things such as accommodation, meals, or travelling costs.

What You May Not be Covered For

• Government Warnings:  Check to make sure that any current Australian Government foreign travel warnings won’t affect your travel insurance coverage.
• Consumption of Alcohol:  Claims that arise directly from you or a covered party consuming alcohol will be denied.
• Motorcycles & Scooters:  Claims will be denied if you do not hold a valid driving licence for the country you are in and, for motorcycles 125cc or higher, a valid licence for an equivalent rated motorcycle in Australia. 
• Unattended Belongings:  You will not be covered for any personal luggage or belongings if you leave them unattended in a public place such as a beach.
• High Risk Activities:  InsureandGo policies automatically cover 90 different sports and activities, but make sure to check that your chosen activity is covered.
• Reporting Incidents:  Be sure to report any instance such as theft or loss of belongings within 24 hours to the appropriate authority or risk your claim being denied.
• Natural Disasters:  To make a claim due to a natural disaster, you must have purchased InsureandGo’s policy upgrade option and the option must be shown on your policy. Note that there is no coverage for costs incurred relating to a natural disaster if an event is already known prior to purchasing a policy.
• Pre-Existing Medical Conditions:  InsureandGo considers all pre-existing medical conditions for potential cover, if agreed,  so long as they are reported at time of purchase. Failure to disclose any pre-existing medical conditions may void any claim relating to that condition.

Most Common Questions

We offer cover for Natural Disasters as an add-on for unforeseen events. This add-on can be added at the end of the purchase process before payment. Our Natural Disaster add-on cover you for volcano eruptions that are unknown at the time of purchase. Find more info about known event at  travel alerts  sorted by most latest at the top.

Medical evacuation is covered as long as medically necessary and emergency. The decision is taken by the claims/assistance team, based on the medical situation and other facts/circumstances.

Unfortunately, you need to buy your policy before you start your trip. Buying your policy after you start your trip will void your policy.

Our Gold policies cover your rental car excess up to $8,000, but not for motorbikes. For a rental car to be covered, you need to make sure that it is insured (confirmed by the rental company), as we do not pay for full damages to a rental car, only your excess.

Yes, we provide cover for the riding a scooter in Bali providing that you are riding the scooter legally in Bali including holding the necessary licences. If the engine size is 125cc or higher you will also need an equivalent licence in Australia. You need to make sure you wear helmet at all times or you risk a possible claim being denied. Also different excesses are applicable in the event of claim depending upon the engine size (for 125cc or under excess is $250; over 125cc excess payable is $500)

InsureandGo travel insurance is designed to protect you against the unexpected and unforeseen, therefore, if you know about an event that is already apparent or ongoing and this results in a claim, InsureandGo will not provide cover.

Quick Guide for Bali Holidays :

Visas for bali.

As per the  www.smartraveller.gov.au  you can visit visa-free for up to 30 days or pay for a visa for up to 60 days. Apply for the right visa if you plan to stay longer.

Best Time to Visit Bali

Although the weather is warm throughout the year, most travellers chose to head to Bali during the dry season which runs from May to October. Avoid the peak tourist season which runs during the months of July and August and opt for a visit in May, June, or September. You’ll also want to avoid travel during national and school holidays.

Health Concerns

Travel to Bali does require taking some precautionary measures when it comes to your health. It is important to bring insect repellent as several mosquito-borne illnesses are prevalent in Indonesia including malaria and sporadic Zika virus cases. Dengue fever also occurs throughout Indonesia and there is no vaccination or treatment available.

Avoid “Bali belly” by not drinking tap water or taking beverages with ice, as water quality is not to the standards of Australia. Other notable risks to your health while travelling in Bali include getting tattoos, close contact with animals (rabies risk), illicit drug use, and HIV/AIDS through risky behaviour.

Crime & Safety

All of Indonesia, including Bali, carries a high threat of terrorist attack. Bali also has had a high occurrence of alcoholic drink spiking with harmful substances such as methanol. It is best to avoid alcohol altogether when holidaying in Bali.

Opportunistic theft, ATM fraud, scams, and sexual assault also occur in and around Bali, so it essential you stay alert and minimize the risks for these crimes to occur.

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**Children (including fostered, or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents. 

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

It's no secret that Australians love to travel to Bali. Bali relies heavily on tourism as its main economic driver and Australians are its top foreign tourist feeder. Bali welcomed a record number of 1.3 million Aussies to the island in 2023.

As an Australian, travelling to Bali is relatively simple these days. A visa is required but this can be purchased on arrival. This is called the VOA , which costs about $50 and is valid for an initial 30 days, but can be extended for a 60 day stay. If you plan on staying longer than 60 days you will need to apply for the 211A Visa. You also must have 6 months validity on your passport in order to enter Bali.

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 flights out. A medivac from Bali to Australia would set you back tens of thounsands. A travel insurance policy for 7 days could 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 $450.

Basic policies for around $30 – $60 you can expect (generally speaking) medical, personal liability and unexpected travel expenses.

Mid-level policies for around $60 – $160 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 $80 – $450 offers generous cover including medical, cancellation, personal liability, luggage, luggage delay expenses, hospital cash allowance, travel documents and unexpected 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.

Please note, the table above shows the listed insurer's most comprehensive policy - international trips only The information provided is of a general nature only and does not take into account any particular personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal objectives, needs and circumstances. Cover levels could change at any time.

travel insurnace bali .css-w6rwrx{color:var(--chakra-colors-primary);display:inline;} 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 Travel Insurance Doesn't Cover

• 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 licence (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

Indonesia has been thwarted by a series of natural disasters; volcanoes , ash clouds, earthquakes and tsunamis have all caused significant issues for travellers in recent years.

In the majority of cases Australian travel insurance policies do cover you for unforeseen natural disasters that affect your holiday, however, it's still a good idea to wise up on your cover.

If you already have a policy and have started your journey and your transport is delayed or cancelled or your accommodation is directly affected by a natural disaster there may be provision to claim for reasonable additional travel, accommodation and meal expenses.

If you have a policy but have not started your holiday and your pre-booked travel arrangements are cancelled, delayed or rescheduled as a direct result of a natural disaster, you may be able to claim for cancellation or rearrangement of your journey.

If your flights have been cancelled or your destination deemed unsafe, we recommend you contact your travel agent or travel provider regarding the best option in altering your trip. Some travel providers may provide penalty free options to amend travel arrangements and we suggest you contact them for further details.

It's good to remember that while flight delays can be frustrating, groundings due to natural hazards are always in the interest of passenger safety.

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

If you're planning on riding a motorbike or scooter in Bali, make sure you're clued up on cover before you get behind the wheel.

• Some insurers do not require you to have a motorcycle licence 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 licence says.
• And some insurers cover you for whatever engine size you ride as long as you're licensed to do so in Australia and your licence is valid in the country you are riding in. Make sure you read our guide on which travel insurers cover mopeds and motorbikes .

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.

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 .css-w6rwrx{color:var(--chakra-colors-primary);display:inline;} faqs

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.

.css-c1mx6c{transition-property:var(--chakra-transition-property-common);transition-duration:var(--chakra-transition-duration-fast);transition-timing-function:var(--chakra-transition-easing-ease-out);cursor:pointer;-webkit-text-decoration:none;text-decoration:none;outline:2px solid transparent;outline-offset:2px;color:var(--chakra-colors-primary);}.css-c1mx6c:hover,.css-c1mx6c[data-hover]{-webkit-text-decoration:underline;text-decoration:underline;}.css-c1mx6c:focus-visible,.css-c1mx6c[data-focus-visible]{box-shadow:var(--chakra-shadows-outline);} Hayley Kennedy

Originally from the UK, Hayley took a gap ‘year’ in 2011… and it’s still going! She’s travelled all over the world, volunteering in a Ugandan orphanage, skydiving in Australia, shark diving in South Africa, and skiing in the Alps (and snapping in a ligament in the process!). Certified in Tier 2 General Insurance General Advice and working in travel insurance for over two years, Hayley is a thrillseeker and a storyteller who loves hearing about customers’ holiday plans and sharing her own tips and must-see spots to help get them inspired.

Let's connect:

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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, Fast Cover Travel Insurance, InsureandGo, Ski-Insurance, Travel Insurance Saver, Tick, Zoom Travel Insurance. The directors and shareholders are common with companies Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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Travel insurance for Bali

With sun, surf and incredible scenery, it’s no surprise that Bali is one of the most popular holiday destinations for Australian travellers. Whether you’re looking to explore captivating temples, enjoy the bustling Kuta Beach, or simply unwind on the tropical shores, the Indonesian island caters to all kinds of travellers.

However, Australians should remember that travelling to Bali presents a  number of dangers , from food poisoning and road accidents to pickpocketing and volcanic ash clouds.

Proper insurance is essential to protect yourself on holiday, and understanding what your policy covers is the best way to avoid unexpected costs.

Do I need travel insurance for Bali? 

Travelling to Bali is an exciting and memorable experience -however, amidst the anticipation and planning, be sure not to overlook one essential aspect: travel insurance. While many aspects of travel insurance are valuable, a key reason to consider it for Bali is medical cover. It's essential to remember that your Australian Medicare coverage won't apply when you're in Indonesia. While you can generally rely on Medicare for medical expenses at home, you won't have the same safety net while travelling. This means that if you require medical treatment during your trip to Bali, you'll have to cover the costs yourself, unless you’ve got suitable travel insurance.

As one of Australia's favoured cheap holiday destinations, a trip to Bali can become unexpectedly costly in the face of emergencies. For instance, if you require emergency evacuation back to Australia, you could face expenses up to $80,000!* . This hefty price tag emphasizes the significance of remembering to pack travel insurance with you on your trip to Bali.

Does my policy cover scooter, motorcycle or car accidents?

Bali’s roads are notoriously dangerous. Each year,  hundreds are killed in road accidents  on the island and hundreds more suffer serious injuries. Motorbikes may be a popular way to travel the island but they pose considerable danger to tourists. 

That’s why with our insurance you have the option to add on mopeds (sometimes called 'scooters') and motorbikes cover to your policy.

Even if you’ve added this option to your policy, there is no cover if you’re riding a moped or motorbike (whether as the driver or passenger):

• where the engine is more than 200cc;
• where you are not wearing a helmet on your head;
• where the driver does not have a valid driver's licence as required from the country of permanent residence;
• where the driver does not have a driver's license as required in the country you are in, for the same class of moped or motorbike being ridden;
• in a professional capacity;
• where you are racing, including against time and/or in timed events, of any sort;
• where you are participating in a competition which involves monetary prizes; or
• if you or the driver were breaking any law including driving laws or highway rules. For example: speed limits and blood alcohol limits.  

Will my insurance cover natural disasters in Bali?

Bali may be beautiful, but it’s also prone to natural disasters like flooding, tsunamis and cyclones. The island is situated on the ‘Pacific Ring of Fire’, which also makes it particularly vulnerable to earthquakes and volcanic eruptions.

So, will your travel insurance policy cover you for a natural disaster event in Bali? You must make sure it’s still safe to travel to your destinations by checking for travel advisories on the Smartraveller website. You need to check this when you buy your insurance, again before you start your journey, and before leaving for each new destination. 

Your policy may be affected if the travel advisory on the Smartraveller website is ‘Do not travel’ or ‘Reconsider your need to travel’.

If your travel plans need to be changed due to an unexpected natural disaster, there may be cover under the International Comprehensive  policy.

Am I covered for stolen or damaged valuables, like my phone, camera and laptop?

Whether it be theft, mistake or plain bad luck, there are countless ways to lose your luggage overseas. We understand how frustrating and costly this can be while travelling, which is why our International Comprehensive policy covers you for lost, stolen or damaged personal items that results from an unexpected event.

What are some common ways to lose your valuables in Bali? Petty theft happens frequently on the island, with thieves targeting unwary tourists in crowded areas like markets and bus shelters. Travellers who carry expensive items and flaunt them in the open make themselves vulnerable to theft. Believe it or not, monkeys are another culprit of theft. Always stay vigilant of your valuable items, never leave them unattended, and if there’s a safe at your accommodation, be sure to use it.

How to avoid getting sick in Bali

Nothing can stop your tropical getaway in its tracks like the dreaded ‘Bali belly’. Symptoms of the illness include diarrhoea, vomiting, cramps and weakness - not exactly the island escape you had in mind.

The best way to avoid Bali belly  is to be selective with what you eat. The illness can be caused by bacteria in food and water, a radical change in diet, overeating and even travel stress. For this reason, it’s important that you be particularly conservative with your food choices  in the first few days of travelling.

To avoid sickness in Bali, remember to:

• Stick to bottled water (including when brushing your teeth)
• Avoid ice cubes and iced drinks
• Wash your hands before eating
• Check all meat has been cooked well (especially chicken)
• Don’t buy fruit from markets that has already been peeled or cut
• If you have hygiene concerns, steer clear of eating street food

Unfortunately, Bali belly isn’t the only illness that travellers have to watch out for. The  Smartraveller  website recommends that travellers vaccinate themselves for Tetanus, Hepatitis A and B, Typhoid and Rabies before visiting Bali, although these vaccinations aren’t mandatory. There is also the risk of serious illness and even death from alcoholic drinks containing methanol. Avoid local spirits like Arak, and stick to bottled drinks if you are drinking alcohol.

*according to Herald Sun article dated January 10, 2023.

What you need to know

This page includes some information about our products but, as with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant Financial Services Guide (FSG), Product Disclosure Statement (PDS) and  Target Market Determination (TMD)  to ensure our travel insurance products are right for you.  

You can find the relevant documents here:  International Comprehensive , Annual Multi-trip ,  International Medical Only , Working Overseas ,  Domestic . 

The content of this article is general and provided for information purposes only. Southern Cross Travel Insurance (SCTI) doesn’t guarantee or warrant the accuracy, completeness or currency of any article.

This article may contain hyperlinks to other websites owned or operated by third parties, or references to third party products or services. SCTI isn’t responsible for, and makes no recommendation about, the content or accuracy of any third party website, or for the suitability or performance of any product or service. The inclusion of a link in this article doesn’t imply that SCTI endorses the website or third party product/service.

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Travel Insurance For Indonesia: Everything You Need To Know

Updated: Jul 2, 2024, 11:06am

Editorial note: Forbes Advisor Australia may earn revenue from this story in the manner disclosed here . Read our advice disclaimer here .

Table of Contents

Travel insurance for indonesia, what does travel insurance for indonesia cover, does travel for indonesia cover all emergencies, will an insurer cover me if i have a medical condition, cost of travel insurance for indonesia, how do i compare travel insurance for indonesia, frequently asked questions (faqs).

While Indonesia may be most famous for its tourist hub, Bali , the archipelago, as a whole, has grown in popularity in recent months. The Australian Bureau of Statistics (ABS) reported Indonesia replacing New Zealand as the top destination for short-term trips overseas by Australians last year—the first time since the Bureau started collecting travel records nearly 50 years ago.

Roughly 1.37 million Australians visited Indonesia in 2023. While some 86% took a holiday there, 7% visited friends or relatives. Whatever your reason for visiting the country, you’ll want to make sure you’re safeguarded against common mishaps that can arise while away, and even in the lead up to your holiday. Travel insurance for Indonesia can provide this protection, paying out should you fall ill or get injured and need treatment during your stay, if you lose your baggage or belongings or need to cancel your trip. Find out exactly how travel insurance for Indonesia works, what it covers and does not cover below.

If you’re sticking solely to Bali and its associated islands, then you can read more in our guide to travel insurance for the island of the gods.

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24/7 Emergency Assistance

Flexibility to adjust your coverage even when you’re away in real-time.

In-app travel safety alerts to keep you safe

If you’re planning to visit Indonesia, you’ll need travel insurance specifically for the destination. There are three main types to choose from:

• Single trip: for a one-off trip in the space of 12 months to Indonesia
• Annual multi-trip: for more than one trip in the space of 12 months to Indonesia or various destinations. This type of cover can work out more cost-effective than buying multiple single trip policies but not always so it’s best to compare both types of cover.
• Long-stay/backpacker: for an extended stay in Indonesia, of typically 60 or 90 days, or 12 or 18 months. Cover for 24 months may be available, from certain providers.

Depending on the insurer, and the type of policy you choose, you may have the option to take out cover for Indonesia alone, Asia or worldwide destinations. Note that insurers usually offer worldwide policies that include the US and destinations such as Canada, Greenland Mexico and the Caribbean, and worldwide policies that exclude them, depending on where you’re going, as medical costs are extremely high in this part of the world.

A good travel insurance policy will cover emergency medical costs should you fall ill or injure yourself while away. This may also extend to medical rescue, and repatriation costs, for severe cases where you need transporting to a hospital or back to Australia.

Cover for personal liability should you injure someone or damage another person’s property, and trip cancellation for reasons such as falling ill before the trip or suffering a bereavement should also be included as standard. You should also be able to claim for loss or theft of your luggage and belongings. Note that there’s typically a total limit on the amount you can claim for your possessions, as well as an individual limit for each type of item.

A policy may additionally include a number of other forms of cover, such as:

• Personal money: the amount that can be claimed if your money is lost or stolen
• Missed departure: covers the cost of additional accommodation and travel should an emergency cause the policyholder to miss their journey
• Travel delay: pays out if your scheduled transport is late by typically a least 12 hours
• Company insolvency: compensates you if your airline or hotel goes bust
• Personal accident: pays out if an injury causes permanent disability or death

Insurers usually offer basic policies with few benefits and low cover levels and comprehensive policies that provide their widest range of cover and higher cover levels. They may also have one or more mid-level policies for anything in between.

Shopping around will allow you to find the best policy to suit your needs and budget. For help with finding a comprehensive policy, we’ve conducted in-depth research to find what we believe are the top 10 available .

It may be impossible for travel insurance for Indonesia to cover everything that can go wrong with a holiday, but it can cover a wide range of common scenarios, particularly if you opt for comprehensive cover. A policy’s product disclosure statement (PDS) sets out the specifics of what it does and does not cover. You should be able to access this on the insurer’s website, and read it before making a decision on whether it’s right for you.

Bear in mind that most insurers won’t cover a holiday where you’ve travelled to parts of Indonesia that the government’s Smartraveller website has on its “do not travel” list. To avoid this type of problem, it’s best to check the website for updates on Indonesia before purchasing a policy, and before departure. Smarttraveller will also advise if you should travel with caution, warning of risks, such as acts of terrorism, civil and political unrest and natural disasters.

Insurers will also likely reject claims resulting from intoxication from alcohol or drugs, and disorderly behaviour. If you’ve partaken in any sports and activities while away, it’s likely an insurer will only accept related injury claims if you wore the appropriate safety gear, such as a helmet, or harness.

Having a medical condition won’t necessarily hinder your chances of finding suitable cover for Indonesia, but you may find you’ll have to shop around a little more.

Only some insurers provide cover for what they term “pre-existing medical conditions”. These are conditions that you had before taking out the policy. Those that do provide this type of cover usually raise their premiums to do so, owing to the heightened risk that you’ll make a medical-related claim while away. The policy premium—the price of the policy—will often rise with the severity of a condition. This means cover for a heart condition will be more expensive than for diabetes, for example.

When running quotes on the sites of insurers that provide pre-existing medical cover, you’ll be taken to a medical screening section of the application. Make sure to state what conditions you have and answer the questions about them. This ranges from whether, and how often you take medication, to when you last saw a practitioner concerning your condition. If you later make a claim relating to a condition that you did not declare or detailed inaccurately, an insurer could refuse it.

Insurers refer to a number of factors when calculating how much you must pay for cover. This includes the number of people travelling, and the holiday destination and duration.

More mature travellers and those with pre-existing conditions will likely be charged more than younger travellers and those without conditions, as insurers deem them as high-risk travellers that will likely need to claim while away.

We used the profile of a family of four, aged 42, 40, 14 and 12, spending 13 to 26 May in Indonesia, and assumed they have no pre-existing conditions, (although these providers do offer cover for pre-existing conditions should you need it).

We found basic cover ranged from around $106 to $241, while comprehensive cover started at around $226, with the most expensive policy costing just under $324.

Running quotes on travel insurer websites will allow you to make side-by-side comparisons of their policies based on the types of cover they offer, the various cover levels and prices. Looking through the offerings of a number of insurers can help with finding a deal on the cover you need.

When running a quote you will need to enter details about yourself, anyone else travelling with you and your trip. This includes your name, the age of all travellers, your holiday destination and duration. If pre-existing cover is available, you will also be taken through a medical screening, so the insurer can build a medical profile on each traveller.

Is travel insurance mandatory for Indonesia?

Travel insurance is not a legal requirement for travelling to Indonesia. However, it is recommended by Smartraveller, which advises taking out a comprehensive policy that covers all emergency medical costs, including emergency treatment and medical evacuation. Without it, you could be faced with bills for thousands of dollars, which the Australian government will not pay.

What is required to enter Indonesia from Australia?

Australians visiting or transiting through Indonesia should apply for an e-Visa on arrival , at least 48 hours before travelling. You can alternatively get a Visa on Arrival at some international airports, seaports or land crossings.

To apply for an e-Visa on arrival or the Visa on arrival, you need to have an ordinary (non-emergency) passport that will remain valid at least six months after your arrival in Indonesia. Smarttraveller also advises ensuring your passport has a minimum six months validity from your departure from Indonesia, to avoid any issues with leaving the country or with an onward or return flight. You’ll also need to complete an e-customs declaration within three days of departure to Indonesia.

The Bali Provincial Government has introduced a tourist levy of IDR 150,000 ($14.56 AUD) per person for foreign tourists visiting Bali. The levy is separate from the e-Visa on Arrival or the Visa on Arrival. You can pay the levy online before you travel or on arrival at a designated payment counter at Bali’s airport and seaport. Further detail can be found on the Bali Provincial Government’s website .

What is ‘excess’ in travel insurance?

An excess is a set amount you’ll be expected to pay on each approved claim. It’s usually levied per person on the policy, per event, per claim, but you can check the PDS for the specifics concerning your insurer. You usually can pick from a range of excess amounts, from $50 – $250 on average, when taking out a policy.

The more you choose to pay in excess, the lower your policy premium typically will be, while paying less in excess will raise the cost. An excess is usually deducted from a claim amount, so you won’t need to pay for it out of pocket. However, it’s still crucial that you ensure you can afford it. Some insurers may also offer an excess waiver if you pay an extra premium.

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