Bali travel insurance

Ready to get moving? See quotes and compare travel insurance policies for Bali from over 17 brands

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Gary Ross Hunter

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Peta Taylor

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Updated by Smartraveller on 09 Jul 2025
4.7 based on 828 reviews

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Key takeaways

  • Protect your trip to Bali with cover for unexpected medical emergencies and evacuations.
  • Driving scooters requires the right licence and specific cover add-ons for protection.
  • Medibank’s comprehensive policy provides unlimited medical cover and optional motorcycle protection for Bali.

Why do I need travel insurance in Bali?

When thinking of a holiday to Bali, a few things come to mind; zipping around on a scooter, sipping cocktails by the pool, eating delicious meals and so on. While the plan is for this to be a fun-filled holiday, there are few things to beware of — like the safety of water from a tap or icecube and the drastic differences in the traffic conditions that can make your time on the road a little unsafe.

With travel insurance, you’ll be covered for numerous mishaps that can occur while you’re in Bali. These can include:

  • Emergency medical treatment
  • Other medical expenses caused by injuries and accidents
  • Transport to hospital by helicopter or ambulance
  • Medical evacuations back to Australia
  • Car rental excess (sometimes an optional extra)
  • Scooter rental excess (sometimes an optional extra)
  • Lost or stolen valuables
  • Natural disasters
  • Delayed and cancelled flights + associated accommodation expenses
Jessica Prasida's headshot

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

Travel Insurance Expert

Common travel insurance exclusions

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

  • If you purchase cover after the incident has occurred. For example, if you take cover out after you've been injured and need medical attention.
  • Pre-existing medical conditions. If you have any major medical conditions, make sure you let your insurer know before taking out a policy. Otherwise you won't be covered for claims related to that condition.
  • You travel somewhere Smartraveller rates "Do not travel". Insurers will not pay claims that come from the reason for that warning, though claims for unrelated things are usually still covered.
  • Incidents that occur while you're under the influence of drugs or alcohol. For example, if you go out drinking in Seminyak, get injured and need medical attention — travel insurance won't cover you.
  • Driving vehicles without a licence. You won't be covered for medical costs or personal liability expenses if you drive without a licence in Bali.

What add-ons should I look for?

This depends on your activities while you’re holidaying. Here’s some common optional extras you might like to consider for Bali:

  • Scooter rental excess insurance
  • Scuba diving
  • Surfing

Best travel insurance for Bali: Medibank International Comprehensive

Medibank

Our verdict:

Medibank International Comprehensive is a great policy for those travelling to Bali because it has generous coverage limits and includes all the optional extras you might need for exploring the streets of Bali.

Pros & cons:

  • Unlimited overseas emergency assistance
  • Unlimited overseas medical and hospital expenses
  • Up to $10,000 for rental car excess insurance
  • Optional motorcycle cover
  • Lower cover of $25,000 in the event of permanent disability. Others cover up to $50,000.
  • No cruise cover.

Why we picked it

Medibank’s International Comprehensive Travel Insurance policy was given a Finder Score of 9.7/10. This is because it offers higher benefit limits than some other policies, yet remains comparatively affordable. The policy can be tailored to suit your holiday and includes add-on options for popular Bali activities, like motorcycle hire.

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How can I find cheap travel insurance for Bali?

There are plenty of ways to find a cheaper travel insurance policy.

  • Select a medical only policy. Medical only or basic policies will generally be the cheaper policies on the market.
  • Look for promo deals. Use exclusive deals or promo codes to get a discount.
  • Opt for a higher excess. This will make your policy cheaper but more expensive if you have to claim.
  • Compare across a handful of travel insurers. Every policy is different so it’s worth comparing to see where you can get the best bang for buck.
  • Buy your policy early. Get the most value by buying your policy early. It means you're covered for longer while paying the same price.
Gary Ross Hunter's headshot
Our expert says

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

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Journalist

FAQs

Sources

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Journalist
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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 529 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
Peta Taylor's headshot
Co-written by

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

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12 Responses

    Cloe's avatar
    CloeFebruary 15, 2026

    Hello,

    I’m seeking a travel insurance quote and need some clarification before proceeding.

    My partner and I will be traveling to Bali from 25th March, returning late on 9th April (flight at 11:55 PM). My partner holds a South Australian motorcycle licence and will obtain an international licence, so we will need scooter coverage included.

    Our son, who is 17, will be joining us in Bali from 29th March and returning with us on 9th April. He also holds a South Australian motorcycle licence and will obtain an international licence. Could you please confirm:

    Does he need to be 18 to be covered for scooter use?

    Would it be cheaper to insure him separately for the period he is traveling, or should we include him under a family plan that covers him only for the dates he is in Bali?

    Also, could you clarify if your online quotes are calculated per person or per policy as I have input it?

    Thank you for your assistance. I look forward to your advice.

    Kind regards,
    Cloe Hamilton 

      Ceyda Erem's headshotFinder
      CeydaFebruary 16, 2026Finder

      Hi Chloe, thank you for your question. While the legal age for driving a scooter in Bali is 17, your son may not be permitted to drive, as the legal age for obtaining an international license is 18. In regards to your second question, it can be more cost-effective to include your son on a family policy rather than purchasing a separate policy, even if he is travelling for a shorter period. And our policy quotes are the total price for the number of travellers you input in your search. Also, if you are interested in seeing insurers that include scooter cover in their policy, use the ‘motorcycle’ filter. I hope this information helps.

    Richard's avatar
    RichardSeptember 16, 2021

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

      James Martin's headshotFinder
      JamesSeptember 23, 2021Finder

      Hi Richard,

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

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

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

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

      I hope this helps,

      Regards,
      James

    ang's avatar
    angFebruary 16, 2016

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

      Richard Laycock's headshotFinder
      RichardFebruary 17, 2016Finder

      Hi Ang,

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

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

      I hope this was helpful,
      Richard

    Gabriella's avatar
    GabriellaAugust 9, 2015

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

      Richard's headshotFinder
      RichardAugust 10, 2015Finder

      Hi Gabriella,

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

      I hope this helps,
      Richard

    Geoff's avatar
    GeoffMay 7, 2015

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

      Richard's headshotFinder
      RichardMay 8, 2015Finder

      Hi Geoff,

      Thanks for your question.

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

      I hope this was helpful,
      Richard

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