Compare travel insurance for Bali and learn how to get quality cover from $17*.
Bali has long been a popular destination for Aussie travellers. Whether you're heading to Bali for a relaxing holiday or planning an adventure, don't let the unexpected spoil your holiday.
If you know what you're after, compare Bali travel insurance policies from over 20 providers by completing the quote form below or read on to find out more about travel concerns specific to Bali and other Bali travel tips.
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- I'm going to Bali, do I need travel insurance?
- How much does travel insurance cost?
- Are there any exclusions?
- Is Bali safe?
- I had an accident in Bali. What do I do?
- Who do I contact in an emergency?
- When's the best time to visit Bali?
- How do I find cheap flights to Bali?
- Bali travel tips
- Travel insurance FAQ's
- How do I choose the right policy?
I'm going to Bali, do I need travel insurance?
Taking out travel insurance for your trip to Bali is essential as travel insurance protects you from a range of potential travel risks including the following:
- Overseas emergency medical expenses. This is the most important type of cover, and it provides for emergency medical expenses you incur while on your trip. This guarantees that you will get the best possible treatment and cover is often available for medical repatriation to Australia if required.
- Cancellation fees for non-refundable flights and accommodation, Travel insurance covers you against trip cancellation and delay. Unforeseen circumstances, such as losing your job, may force you to cancel your trip. If this happens, your policy will cover any non-refundable expenses you have already committed to. Alternatively, if a delayed flight causes you to miss a transport connection, cover is also available.
- Lost and stolen luggage. If your luggage is lost, stolen or damaged, many policies will provide cover for their repair or replacement. Cover is also available for your cash and travel documents.
- Motorcycle cover if you have a license. Some policies for travel to Bali will also provide cover if you are riding a motorcycle or scooter, which is a common mode of transport in that part of the world. You will need a motorcycle licence to be covered.
- Water sports including surfing. If you're going to Bali, you're going to be in the water so make sure you're covered for all the activities you are planning on participating in, including the following:
- jet boating and jet skiing
- white water rafting
How much does travel insurance cost?
Who's going to Bali and how much did they pay for travel insurance?
From a study of 10,000 quotes requested through finder.com.au's quote engine, the most common age of travellers to Bali was between the ages of 26 to 35. The average cost of travel insurance (for a 26 to 35 year old) is $66.05 for a two week trip.
Getting cheap travel insurance to Bali
When comparing travel insurance for Bali, it's important to look at more than just the cost. You also need to look at what is covered. The table below outlines the four *cheapest policies displayed in our quoting engine. However, the limits and cover vary from policy to policy, which is why it is crucial to consult the product disclosure statement and understand just what you're getting for your money.
|Provider||Travel Insuranz||Insureandgo||GoInsurance||Virgin Money|
|Policy||Classic||Bare Essentials||Go Basic - Base||Medical Only|
|Overseas Medical Expenses||$10,000,000||Unlimited||$10,000,000||Unlimited|
|Cancellation Fee Cover||$2,500||n/a||n/a||n/a|
|Luggage & Personal Effects||$2,500||$2,000||n/a||n/a|
|Length of Trip||14 days||14 days||14 days||14 days|
|Age of Traveller||35||35||35||35|
|Total cost of cover||$47.95||$37.45||$36.09||$41.96|
|Get Quote||Get Quote||Get Quote||Get Quote|
*Prices shown accurate November, 2015. Prices are subject to change.
Are there any exclusions?
There are a number of common exclusions for travel insurance to Bali. These include the following:
- Your insurer will not pay your claim if you travel to a region where the Australian government has issued a travel advisory warning.
- While cover is provided for the loss or theft of your luggage and belongings, your insurer will deny your claim if you suffered a loss as a result of your own negligence. For example, if you leave your bags unattended at a busy airport taxi rank and they are then stolen, don’t expect any sympathy from your insurance provider.
- If you don’t make your insurer aware of any pre-existing medical conditions you have at the time you apply for cover, your insurer can refuse to pay any claims relating to these conditions. For this reason, you must disclose all relevant information to your insurer.
- Your insurer will deny claims resulting from your intoxication or use of drugs. Similarly, your insurer will refuse your claim if it was the result of recklessly or unlawfully behaviour on your part.
- Some policies will not provide cover for claims arising from your use of a motorcycle or scooter. This is a very important exclusion to be aware of when travelling in Bali.
- If you participate in adventure activities or high-risk sports, such as skydiving, your insurer can reject claims relating to these activities.
- Ignoring road rules or laws will result in your insurer rejecting any resulting claims.
- Some policies will not cover you for any work you do while travelling, so be aware of this if you’re planning a working holiday.
- Your insurer will not pay your claim if it is the result of an error in booking arrangements or your failure to obtain the correct passport or visa.
- If your claim arises from an act of war, terrorism or civil insurrection, your insurer will typically deny the claim.
Julia on a Moped in Lembongan
Before Julia departed on her Balinese holiday, she checked whether her insurance covered the use of two-wheeled vehicles such as mopeds. It did. While travelling around the island sightseeing, she became distracted and had an accident. Unfortunately, when she contacted her insurer, they denied her claim because she did not have a license to operate the vehicle in Bali or in Australia.
Do I need a licence to ride a motorbike or moped in Bali?
When travelling overseas, you need to make sure you hold a valid licence either in your country of residence or in the country you are travelling. This extends to vehicle class. While you may have had the best intentions prior to travelling overseas, contacted the relevant motoring body and secured an international driving permit, that permit will only be for the class of vehicle you have a license to drive here in Australia. To drive a motorcycle overseas, you need to have a category A licence otherwise your insurance will be null and void.
Is Bali safe?
- Is Terrorism an ongoing concern? After the 2002 Bali bombings, terrorism is one of the most common concerns many travellers have about Bali. Security has increased over the past decade and the chances of getting caught up in an act of terrorism are low. However, the Australian government does issue travel advisories for Bali on occasion, so check in with the Department of Foreign Affairs and Trade’s Smartraveller website frequently.
- Is the water safe to drink? Illness is another common risk travellers face when holidaying in Bali. The well-known problem of "Bali Belly" has ruined many a holiday, so you should take into account the chances of illness destroying your holiday plans. Play it safe and stick to bottled water.
- Are you a competent swimmer? Beaches can also pose health dangers, such as dangerous surf and riptides.
- Do you know what you're drinking? Following a recent spate of deaths following the consumption of contaminated alcoholic drinks, travellers should also be aware of the other factors which could result in illness.
- Can I eat the food? Much like drinking the water, you've got to be careful when eating food. The food may have been cooked or cleaned using contaminated water so be cautious.
- Are your vaccinations up to date? Make sure your vaccinations are up to date including vaccinations for diphtheria, hepatitis A and B, pertussis, tetanus and typhoid. You may also want to speak with a physician about chikungunya virus, dengue fever, filariasis, Japanese encephalitis and malaria prior to travelling.
- Are the roads safe in Bali? Road safety is another issue that travellers to Bali face. The traffic can be hectic and confusing to foreign eyes, and when you combine a lack of road rules with a range of pedestrians and vehicles, the chances of accidents are high.
- Can I ride a motorbike? Many Australian travellers also hire scooters or mopeds to get around, despite the fact that they have little experience piloting such vehicles at home. This can lead to nasty crashes, injuries and even fatalities.
- Don't push the boundaries. Adventure sports activities can pose risks. The theft of money and valuables is another regularly reported problem.
According to DFAT statistics, one Australian dies every 12 days in Bali.
I had an accident in Bali. What do I do?
How to make a claim on your Bali travel insurance
If you’d like to make a claim on your travel insurance, insurers provide a number of ways for you to do so. Generally, the easiest way to lodge a claim is online via an electronic claims form. However, you can also begin the process over the phone or via mail, fax or email. Check with your insurer to see what options they offer.
- Provide 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, police reports, photographs and the like. It’s important to notify your insurer of an event that may give rise to a claim as soon as possible.
- Be co-operative. There are a number of steps you can take to expedite the claims process and help take the stress out of the situation. The most important thing to remember is to co-operate fully with your insurer. Provide any supporting information they request and be upfront and honest about all details. Doing what you are asked to do when you are asked to do it will help you during the claims process.
- Keep receipts. Another good idea is to keep receipts of any valuables you have. Taking photos of your valuables is also a good idea. Taking copies of your travel insurance policy, along with your insurer’s contact details, with you 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.
If you find yourself in an emergency in Bali, some helpful contacts include the following:
- Your travel insurer. Your insurance provider will have a 24/7 helpline for claims and medical emergencies.
- Main emergency hotline. You can reach this service by dialling 211.
- Ambulance service. You can reach this service by dialling 118.
- Australian Embassies and Consulates. You can find the contact details of Australian Embassies and Consulates in Bali below.
How do I find the right policy?
- Where are you going? The first thing to consider when looking for travel insurance cover is where you’re travelling. Different destinations expose you to different types and levels of risks, so take the time to think of what could potentially go wrong in the region you’re planning to visit. This will influence how much insurance cover you need and the type of policy you take out.
What do you need? What sort of cover do you want?
- How much medical cover do you need? Do you want a basic policy that only offers cover for emergency medical expenses or are you keen for a policy that offers comprehensive coverage for a wide range of possible risks and events?
- Do you want cover for your valuables as well? If you are taking high-value items with you, make sure that your policy covers them. Alternatively, you can purchase additional cover if the standard limits are too low.
- Do you have any pre-existing conditions? If you have pre-existing medical conditions, see if you can find an insurer who specialises in offering flexible cover for those with a medical history that is less than stellar.
- How many times are you planning on travelling? If you’re looking to take out coverage for one trip, a single travel insurance policy will do fine. However, if you’re planning several trips, then a multi-trip policy might be more convenient. This option provides cover for all the trips you take across a 12-month period.
- What is covered? Read the list of exclusions closely and make sure you know what each policy covers before you make your final decision.
Bali has two distinct seasons, the peak season and the off season. Their details are as follows:
|Peak season (Dry season)|
|Off season (Wet season)|
Bali is relatively cheap during most of the year; however, there is usually a slight peak period during Christmas and the New Year. Avoid this period and look for deals from airlines.
Why travel insurance is a must for cheap flights
While you can often get flights to Bali for cheap, tickets are sometimes non-refundable and non-transferable. This is likely the case if you find tickets on a flight deals aggregator website or during an airlines mass sale.
Having travel insurance with cancellation cover is vital if you have to cancel due to a family member being ill or passing away.
|Cheapest price to fly to Bali (Sydney to Bali)|
|Average flight times to Bali|
|Which airlines can I take to Bali?|
Information last confirmed as correct on November 2015.
Bali travel tips
- Have you packed a first aid kit? While this may be something that you don't think is a necessity, it can really come in handy. It's very easy to get scrapes and scratches while travelling. While those scraps and scratches may not seem like a big deal, you don't want to take your chances of contacting an illness while travelling.
- Are your vaccinations up to date? There are many diseases that you need to be careful of, so make sure your shots are up to date.
- Have you been to the doctor for a check-up? Along with making sure that your vaccinations are up to date, it's a good idea to get a once over from your doctor to make sure you're in good health.
- Do you have enough money? One useful tip to remember is to bring US currency with you to pay for the entry charge.
- Do you have a valid passport? Make sure your passport is valid for at least six months after your planned return date.
- Have you got travel insurance? MAKE SURE you have got enough travel insurance before you head to Bali. Don't get caught short.
- Have you registered with Smartraveller? Before you head to Bali, make sure you have registered with the Australian Government's Smartraveller website.
Don't do drugs. This may seem like a no-brainer but not a year goes by when there isn't news of a foreigner getting in trouble for drugs in Bali.
Q. How much travel insurance do I need?
A. The type and level of cover you choose is entirely up to you. In order to ensure that you end up with the right policy, consider where you are travelling, the risks you’ll be exposed to, what you plan on doing on your holiday and whether you are looking for basic or comprehensive cover.
Q. Where can I find out about government travel advisories?
A. Visit www.smartraveller.gov.au to find out about the current warnings in place from the Department of Foreign Affairs and Trade.
Q. What about my children?
A. Most travel insurance policies will include cover for your dependents while you travel. However, read the fine print to ensure this applies to your policy.
Q. Where can I compare travel insurance policies?
A. Use the resources provided by finder.com.au to compare the benefits and features of a number of policies and use the quoting engine at the top of this page.
Ready to get travel insurance for Bali?
Travel insurance is an essential consideration for any trip you’re planning on taking, including your next holiday to Bali. Consider your cover options and research a range of policies to ensure you end up with the right level of cover.
*Price based on a quote for a basic policy for a 2-day trip for an 18-year-old traveller. Please note that prices are subject to change. Price last checked as correct on October 2015.
**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" and "Top" 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.
Picture: Adhi Rachdian, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)