Looking for the best travel insurance for Bali? Start your search here.
Along with its beaches and cocktails, Bali is notorious for Aussies getting into trouble. 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.
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Getting the best travel insurance for Bali
The best policy will likely be a comprehensive one, since it will cover more situations, and up to a larger amount. Here are some things that a good travel insurance policy will cover you for when you travel to Bali:
- If you get sick or injured. Of course, you're going to be tempted by the street food and go to places like the monkey forest. Just in case one of those cheeky little monkeys get a bit too close, your policy will cover the cost of your medical treatment.
- If you're forced to cancel your trip. This could be due to circumstances outside your control, such as natural disasters, sickness or a death in the family. It's the worst having to cancel a trip but at least you won't be left out of pocket.
- If there are delays or cancellations due to a natural disaster. Indonesia is prone to natural disasters such as earthquakes and tsunamis. You can be covered if you take out a travel insurance policy before the occurrence becomes a known event (i.e. reported by media or issued government warnings).
- If your things get lost or stolen. Petty crimes are common in Bali, and travel insurance can you recoup your losses if you lose your passport, phone or wallet as long as you have a police report. Just make sure that your policy has enough cover for expensive items if you're carrying them.
- If your luggage doesn't make it. Bali is such a tourist hot spot that it makes Ngurah Rai Airport a very busy airport - and it's not impossible for your bags to get mixed up in all of this. The best policies will cover you for lost and delayed luggage, as well as a daily allowance for basics like toiletries and a change of clothes!
- If you're feeling adventurous. Bali is known for it's surfing, white water rafting and yoga (yes, yoga is extreme!) to name a few. Most brands will automatically cover you for these activities but check to make sure anyway.
- If you're riding a motorcycle or scooter. Riding a scooter is very popular for tourists in Bali but possibly one of those most dangerous. To be insured, you need to hold the proper permits (i.e. have a proper drivers licence) and be wearing a helmet.
Looking for a comprehensive policy?
The Finder Rating evaluates policies based on how much they cover. The table below shows the top 3 most comprehensive policies from over 20 partner brands as of 24 April 2019. The price is based on a 30-year-old going to Bali for two weeks, with an excess of $200. Your price may vary so you'll need to get a quote to see how much you'll pay.
|Destination||Policy||Finder rating||Overseas Medical Expenses||Cancellation Cover||Luggage & Personal Effects||Price*|
*Your price may vary so you'll need to get a quote to see how much you'll pay.
How to get cheap travel insurance for Bali
If you're on a budget, just remember that cheaper policies are generally made cheaper by not covering as much. It also pays to compare - getting a more comprehensive policy isn't always a lot more expensive. Cost will always be a factor when choosing a policy, but it should never be the only factor you consider. If you're looking for a cheaper policy, check out the comparison of the cheapest policies on Finder on 24 April 2019 for a 30-year-old going to Bali for 14 days, with an excess of $200:
|Destination||Policy||Finder rating||Overseas Medical Expenses||Cancellation Fee Cover||Luggage & Personal Effects||Price*|
|Unlimited||No cover||$2,000||$24.80||Get quote|
|Unlimited||No cover||No cover||$30.55||Get quote|
|Unlimited||No cover||No cover||$33.80||Get quote|
*Your price may vary so you'll need to get a quote to see how much you'll pay.
Check out our coupons to save more on your Bali travel insurance
Popular Bali travel insurance deals coupon codes
|Last checked||Code description||Code|
|24 Apr 2019||15% off Bali travel insurance with Budget Direct||SAV****|
What won't be covered by my travel 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. Before travelling anywhere, you should check the DFAT website to make sure it's safe. The website will tell you regions are safe to and if you should be on the lookout for adverse weather events.
- You're drunk. Bali has a reputation for being a party destination, but did you know if something happens to you because you were under the influence of alcohol or drugs, your insurer won't cover you?
- You ride a scooter or motorbike without a licence or helmet. As previously mentioned, you can get behind the wheel of a motorcycle or scooter while you're in Bali. However, there is a range of conditions. First, you need to be licensed to ride that bike either in Australia or in Bali. Second, you need to obey all the road rules. Third, you'll need to check the maximum CC bike covered by your policy.
- You leave your personal items unattended. While your policy may cover you for lost or stolen luggage, you'll want to check the specifics with this one. For example, if you leave your luggage unattended in a Bali hostel your travel insurance won't cover you. You won't even be covered if you leave it with a concierge. Basically, unless your luggage is locked away in your room, keep it with you because if it's stolen you won't be covered.
- You seek a little too much adventure. If your Bali holiday is going to involve more than just lazing by the beach, check to see if the activities you're planning on doing are covered. For example, skydiving isn't covered by all travel insurers.
- You have a pre-existing medical condition that isn't declared. Every insurer will have a list of pre-existing conditions that it won't cover. It will also have a list of conditions that it might cover but you need to let them know about your condition before you buy your policy. If you head to Bali, wind up in hospital because of this condition and try to make a claim it will be rejected.
- You don't report incidents to the authorities. Any time you experience a claimable event while on your Bali getaway, report it to the relevant authorities and gather evidence. Had your bag stolen? Report it to the police immediately and get a statement detailing what happened. Don't give your insurer any reason to reject your claim.
Check out our guide to travel insurance exclusions for more situations when you won't be covered.
Will travel insurance cover me for the Bali volcano?
It depends on when you bought cover. If you buy a new travel insurance policy after the eruption, you won't be covered for any volcano-related issues. This is because travel insurance is designed to cover unforeseen issues, which the Mount Agung eruption is not. It's like trying to get car insurance after you've had an accident. It's unfortunate, but it's also too late. Despite this, it's still a good idea to get cover for other unforeseen events like medical expenses, cancellation costs not related to the ash cloud, lost luggage, cover for leisure activities and more.
How to make a claim
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