Looking for the best travel insurance for your Bali trip? We've helped 700,000 Aussies compare cover - we can help you too.
Bali is one of Australia's most loved destinations, attracting over a million visitors each year. But along with its beaches and cocktails, Bali is notorious for Aussies getting banged up abroad. But you can protect yourselves in these situations. From Bali belly to stolen luggage and volcanic eruptions, a good travel insurance policy can help you when things go wrong overseas. Enter your trip details below and compare your travel insurance options for your Bali trip.
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Why do you need travel insurance for Bali?
Before you go anywhere far from home, it's a good idea to take out travel insurance. This goes doubly for Bali. This small island of the coast of Indonesia has long been a favourite for Aussie travellers, and a lot of us get into trouble while they're there.
117 Australians died in Indonesia between 2017-18, up 9% on the previous year1. Another 143 were hospitalised - almost 10% of all overseas hospitalisations. While these are alarming statistics, the good news is that travel insurance can help. If something were to happen while you were in Bali, a travel insurance policy could help you with the costs associated with hospitalisation or (worst case) repatriating your remains. But these are the worst case scenarios - what about the rest of us? Travel insurance can help in a range of circumstances, including:
- If there are delays or cancellations due to a natural disaster. As anyone who had travel insurance before the famous Bali ash cloud knows, getting travel insurance as soon as you book your trip is worth the peace of mind. As long as you get a policy before it becomes a 'known event', you'd be covered for costs associated with flight disruptions and cancellations - and not have to be significantly out of pocket.
- If you're sick or injured. Medicare doesn’t cover you overseas. If you're unlucky enough to fall and break your arm on a slippery Kuta street or if you're hospitalised with a severe case of "Bali belly" or experience some other medical difficulty, your travel insurance can cover the emergency overseas medical costs.
- If you're so ill you need to be flown back home, or if you die while you're away. If you suffer a serious illness or injury in Bali and the best course of action is to be medically repatriated home to Australia, the cost can be covered by travel insurance.
- If you're forced to cancel your trip. No matter where you are in the world, unforeseeable events such as the loss of a loved one or illness can force you to cancel your trip. With the right travel insurance, your cancellation fees and lost deposits can be reimbursed to you.
- If your things are lost or stolen. Had your bag or wallet stolen in the busy crowds of Bali's popular tourist hotspots? Petty crime is common in Indonesia, so travel insurance covers the theft of cash, passports and personal items - as well as if your baggage gets delayed or never makes it.
- If your luggage doesn't make it. When an airline temporarily loses your luggage, travel insurance can provide you with the funds to buy emergency items like clothing and toiletries.
- If you're feeling adventurous. Planning on surfing, snorkelling, parasailing or jet skiing in Bali? Policies can cover you for specific activities, even if they are extreme or adventurous.
- Riding a motorcycle or scooter. Getting around Bali on two wheels is one of the most common modes of transportation and some insurers will cover you for travel on motorcycle or scooter, although conditions will apply.
- If you accidentally injure someone or damage their property. If you've injured someone else or damaged their property while on your Balinese holiday, you may be protected by the personal liability cover included with travel insurance.
1Source: 2017-18 State of Play report compiled by the Department of Foreign Affairs and Trade (DFAT)
How to find the best travel insurance policy for Bali
While there's no single best travel insurance for Bali that's right for everyone in every situation, there are ways to make sure that you're getting the best policy for your needs. The best policy for your Bali trip should cover:
- Overseas medical expenses. Travel insurance can help you cover the cost for a number of overseas medical mishaps from a broken arm to the dreaded Bali belly. If you're after the best protection, look for a policy that offers unlimited cover for medical.
- Medical evacuation and repatriation. Evacuation and repatriation benefits protect you against the costs if you need to be Medivac-ed to Australia. Again, the best policies will provide unlimited coverage.
- Cancellation costs. Can't make your trip due to an unforeseen circumstance such as an illness? No worries. Travel insurance can't cover you for losses such as unused travel arrangements, lost deposits and other pre-paid costs. Once again, you can find unlimited cover for this benefit.
- Lost or stolen luggage. If your luggage or personal items are stolen or damaged during your trip, travel insurance can cover the cost of their repair or replacement. Depending on whether you're backpacking or carrying designer luggage, you'll need to look at the total amount covered, as well as how much is individually covered for expensive items like cameras, laptops, phones etc.
- Luggage delay. Did your airline misplace your bag but it's on the way? Not to worry. Your travel insurance policy can help you buy the essentials until your bag gets to you - so ideally, the higher the better.
- Theft. Had your bag or wallet stolen in the busy crowds of Bali's popular tourist hotspots? Petty crime is common in Indonesia, so travel insurance covers the theft of cash, passports and personal items - again, the higher the amount the better, but most policies cap this at a few hundred dollars.
- Water sports. Planning on surfing, snorkelling, parasailing or jet skiing in Bali? Many policies can cover you for specific activities, even if they are extreme or adventurous, so if you're planning to do these, make sure you read the fine print.
- Riding a motorcycle or scooter. Yep, you can get cover to ride a motorbike or scooter but conditions apply. Remember to read the fine print and check that the engine size of the bike doesn't exceed what your policy covers you for.
- Personal liability. If you've injured someone else or damaged their property while on your Balinese holiday, you may be protected by the personal liability cover included with travel insurance. This is generally in the millions of dollars - while it's not likely that you'll have to use this, the more cover you have, the better your peace of mind.
What won't be covered by your Bali insurance policy?
All travel insurance policies have their own list of exclusions. While these vary from insurer to insurer, generally you're excluded from cover when something happens that wasn't out of the ordinary like you're claiming for an illness you already suffered from or you travelled to a country during a time of turmoil. Basically, if you're putting yourself in harm's way, your insurer won't pay.
Here are a couple of common travel insurance exclusions to keep in mind when travelling to Bali:
- You ignore a government warning. If you travel to an area or region that the Australian government has warned against visiting, your policy will not provide cover. Check the Department of Foreign Affairs and Trade’s Smartraveller website for any travel advisories that may apply.
- You’re drunk. Bali has a reputation as a popular party destination, but travel insurers will not cover you for any claims that arise because you’re under the influence of alcohol or drugs. So if you’ve polished off one too many Bintangs and then wander out into traffic without looking, don’t expect your policy to cover your medical bills.
- You don’t follow the riding rules. Bali’s road crash statistics make for sobering reading. In 2015, 504 people died in road accidents, 254 were seriously injured and another 1,890 people suffered minor injuries. The roads are also crowded and chaotic, and if you ride without a valid motorcycle licence or without a helmet, don’t expect any cover from your insurer. In fact, some insurers will refuse to cover motorcycle or scooter travel at all, so check the fine print.
- You don’t look after your stuff. Travel insurance doesn’t cover your luggage and personal belongings if you leave them unattended in a public place. So if you leave your bag (containing your wallet, phone and passport) sitting on a beach while you go off in search of a toilet, you won’t be covered.
- You engage in high-risk adventure activities. Are you a thrill seeker who wants to pack as much sky diving, cliff jumping, rock climbing and other hazardous activities into your Bali holiday. Check the fine print of your policy before you do as many of these will not be covered.
- You haven't declared a pre-existing medical condition. Travel insurance will generally not cover any pre-existing medical condition if you haven't declared it.
- You don’t report incidents to the authorities. Had your bag stolen? Report it to the police immediately. Airline lost your luggage? Let them know straight away. If you fail to report loss or theft to the relevant authority within 24 hours, you may not be covered.
Check out our guide to travel insurance exclusions for more situations when you won’t be covered.
Will I be covered if…
- I ride a scooter? Maybe. Some insurers will not cover any motorcycle or scooter use, even as a passenger, while others will provide cover as long as you meet certain conditions. These usually include that you must wear a helmet, and you must hold a current motorcycle licence that is valid in Bali. There may also be a limit on the engine capacity of the motorcycle you are allowed to ride. Even if you see other Aussies riding around on mopeds, remember that inexperienced drivers often have crashes, injuries and even fatalities.
- Political unrest occurs? If political unrest develops in Bali, many insurers will provide cover for cancellation fees and lost deposits if you need to cancel your trip. Many will also provide cover for trip disruption if unrest unexpectedly develops once you have already travelled to Bali as long as you exercise all reasonable safety precautions and stay well away from any protests or civil commotion. However, if you visit a country for which the Department of Affairs and Trade has issued a "Do Not Travel" advisory (or, in some cases, a "Reconsider your need to travel" warning), you won’t be covered.
- There is an act of terrorism? Terrorism is commonly listed as a general exclusion on most travel insurance policies, so any claims that arise due to an act of terrorism will typically not be covered.
- If I participate in adventure activities, such as white-water rafting and paintballing? Cover for adventure activities varies between insurers. Many adventure activities are usually excluded from cover, but you may be able to purchase additional protection by including an adventure sports package with your cover. Check the PDS for details of which activities are automatically covered, which activities you can purchase additional cover for, and which activities are always excluded.
- I engage in activities while under the influence of drugs or alcohol? No. If your claim arises because you are under the influence of drugs or alcohol, travel insurers will refuse your claim. So if you crash your scooter while drunk in Kuta, don’t expect your insurer to cover your medical bills.
How much does travel insurance cost?
It's that all important question – and one that could make or break your decision to run the risk of travelling without cover. The good news is, it's more affordable than you think.
We studied 10,000 Bali travel insurance quotes requested through the finder quote engine above and discovered that the most common travellers to the destination are aged 26-35 years old. On average, it costs $66.05 for travellers of this age to holiday in Bali for 2 weeks.
Of course, prices vary depending on the level of cover and any options you select, so compare a range of quotes to get a better idea of how much Bali travel insurance will cost you.
How do I find cheap travel insurance for my Bali trip?
Looking for ways to save money on Bali travel insurance? The following tips can help:
- Consider annual travel insurance. If you love travelling and you usually take multiple overseas trips a year, taking out a single-trip travel insurance policy for each separate holiday can soon become expensive. But if you purchase annual multi-trip travel insurance, which provides comprehensive cover for all the trips you take during a 12-month period, it can work out to be much more cost-effective.
- Lower your excess. Many insurers allow you to adjust your excess when you take out cover. By choosing a policy with a higher excess, you'll be able to access cheaper premiums.
- Combine cover. Travelling to Bali with friends or family? Instead of each individual purchasing their own policy, why not split the cost of a joint policy between all of you?
- Specify your destination. If your travel insurer gives you the option of specifying Bali as your destination rather than Indonesia as a whole, you could enjoy cheaper premiums.
- Take advantage of discounts. Before buying a policy, look around for any discounts and special offers that may be available. These include seniors' discounts, student discounts, multi-policy discounts and online coupon codes.
- Choose the right level of cover. Before choosing a comprehensive travel insurance policy, consider whether you might be satisfied with the cover offered by a cheaper essentials policy. At the same time, make sure you only pay for the extra-cost options you need – if you're more of a "sip cocktails by the pool" type of holidaymaker than an adrenaline junkie, don't pay for adventure sports cover you won't need.
- Buy from an insurer. Just booked flights to Bali? Don't buy cover from your airline or travel agent as you'll most likely be charged extra due to their commission. Save money by purchasing a policy direct from your chosen travel insurer.
- Compare quotes. Don't just choose the first policy you come across because it sounds okay; compare quotes from several insurers to decide which one offers the best value for money.
We looked at three of the cheapest travel insurance policies available through the finder quote engine and found you can purchase cover from as little as $23.50 for a two-week trip. This might sound cheap but it's important to consider that cover might be limited due to the cost. You should always read the PDS to ensure you have adequate cover. Prices shown below are accurate as of August 2018 and are subject to change.
Is Bali safe?
Since the 2002 bombings, terrorism has been a great safety concern for travellers headed to Indonesia. While security has increased and the threat remains low, the Australian government via its Smartraveller site still recommends travellers exercise a high degree of caution. Travel warnings are updated on the site as circumstances change, so check in with the website frequently if you have any concerns.
You also need to be concerned about the quality of the water, which has led many travellers to experience “Bali belly”. You can decrease your chances of contracting Bali belly by drinking bottled water. You should also be wary of contracting other illnesses and diseases such as hepatitis, malaria and dengue fever. You can decrease your chances of contracting these by getting vaccinations prior to departure.
Driving in Bali can also be problematic for foreigners who are unfamiliar with the roads and road rules. This is not helped by the country’s chaotic traffic and the poor quality of the roads outside of major cities and tourist areas. You may want to hire a driver for private commutes if necessary.
How to make a claim
I had an accident in Bali. What do I do?
If you need to make a claim on your travel insurance policy, check with your insurer to find out what options are available. Generally, you will need to do the following:
- Fill out a claim form. This will usually be available online or can be mailed to you upon request.
- Provide supporting documentation. You will need to provide documentation to support your claim. Depending on the nature and complexity of your claim, this can include things like receipts for valuable items, police reports and photographs of damaged or stolen items.
It’s important to notify your insurer of an event that may give rise to a claim as soon as possible after it occurs. Co-operate fully with the insurer throughout the claims process, and provide any information or documents needed to complete your claim.
- Keep receipts. It's a good idea to keep receipts or photos of any valuables you have. Having a copy of your travel insurance policy, along with your insurer’s contact details, on your trip can also help you lodge your claim quicker. Having a photocopy of your passport handy can also be useful if your travel documents are stolen.
- Keep copies. Try to get written copies of every important document, including copies of police reports or details of flight cancellations. The more evidence you have to back up your claim, the harder it will be for your insurer to reject it.
Frequently asked questions about Bali travel insurance
Does my travel insurance cover the Mount Agung volcanic eruption in Bali?
It depends on when you bought cover. As it was a known event, the brands on finder don't offer insurance that covers the eruption. Despite this, it's still a good idea to get cover for other unforeseen events like overseas medical expenses and lost luggage.
*The offers compared on this page are chosen from a range of products finder.com.au has access to track and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of the terms "Best", "Top", "Cheap", "Cheapest" and "Cheaper" are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.