bali-insurance-hero-shutterstock_685333252-30

Bali Travel Insurance

Get travel insurance for your Bali holiday from just $1.17 a day.

Tick travel insurance off your checklist for added peace of mind so that 'Bali belly', stolen luggage or volcano eruptions and ash clouds don't mar your trip.

Quickly compare your Bali travel insurance options below from 20+ brands and get back to daydreaming about your island escape.

Get an instant quote for Bali travel insurance from 20+ brands

Made a search before? Retrieve your search results

At least one destination is required
Both dates are required
Add more travellers
Enter the age of each traveller between 0 and 99
At least one destination is required
Starting date is required
Add more travellers
Enter the age of each traveller between 0 and 99

Type or Select your destination(s)

Popular Destinations

Americas
Asia
Europe
Pacific
Africa
Can't find your destination? Just type it in the box above.
LoadingNot long to go now …

DID YOU KNOW

  • You can filter your results to customise your cover!
  • You can choose from Basic, Standard or Comprehensive Cover
LoadingNot long to go now …

DID YOU KNOW

  • You can filter your results to customise your cover!
  • You can choose from Basic, Standard or Comprehensive Cover

Extra discounts for Bali travel insurance

Tick Travel Insurance Tick Travel Insurance
Exclusive

Get 10% off all Tick travel insurance policies

Want to save more on your Tick travel insurance policy? Just enter this code to receive a 10% discount on your cover to destinations like Bali, New Zealand, USA, Europe, Thailand, Fiji, Vietnam and more.

Last verified

Travel Insurance Saver Travel Insurance Saver

Get up to 30% discount on travel insurance

Save on policies to Bali, New Zealand, USA, Europe, Thailand, Fiji, Vietnam and more when you purchase cover online. Terms and conditions apply.

Last verified

Easy Travel Insurance Easy Travel Insurance

Up to 35% off travel insurance

Save on policies to Bali, New Zealand, USA, Europe, Thailand, Fiji, Vietnam and more when you purchase cover online. Terms and conditions apply.

Last verified

YouGo Travel Insurance Deals YouGo Travel Insurance Deals
Exclusive

Save 10% on YouGo travel insurance

Get 10% off your YouGo travel insurance cover with this exclusive coupon code. Offer available for a limited time only!

Last verified

Latest Smartraveller Bali update

Indonesia

High degree of caution
30 August 2018 | Read more

Looking for information about how the recent Lombok earthquake affects travel insurance policies?

Quick Bali travel insurance policy comparison

We analysed policies from three of our most-referred to partners to see how their Bali travel insurance policies compared. We looked at a basic, standard and comprehensive policy for a 10-day trip to Bali for a 30-year-old traveller. These quotes were retrieved on 30 August 2018

Budget DirectTick Travel InsuranceFastCover
Price for 10 days' cover$56.71$22.28$24.80
Excess$200$200$200
Overseas emergency medical assistance and hospital expensesUnlimitedUnlimitedUnlimited
Luggage and personal effects$2,500$2,000Not covered
Cancellation fees and lost depositsNot coveredNot coveredNot covered
Get QuoteGet QuoteGet Quote
Budget DirectTick Travel InsuranceFastCover
Price for 10 days' cover$71.89$34.27$39.90
Excess$200$200$200
Overseas emergency medical assistance and hospital expensesUnlimitedUnlimitedUnlimited
Luggage and personal effects$5,000$4,000$5,000
Cancellation fees and lost deposits$12,500$5,000$15,000
Get QuoteGet QuoteGet Quote
Budget DirectTick Travel InsuranceFastCover
Price for 10 days' cover$76.76$37.05$47.80
Excess$200$200$200
Overseas emergency medical assistance and hospital expensesUnlimitedUnlimitedUnlimited
Luggage and personal effects$7,500$7,500$10,000
Cancellation fees and lost depositsUnlimited$20,000Unlimited
Get QuoteGet QuoteGet Quote

Get a Bali travel insurance quote now

What else should I know about Bali travel insurance

Will I be covered for the recent Lombok earthquake near Bali?

On the evening of 5 August 2018, a strong 6.9 magnitude earthquake hit the island of Lombok, Indonesia, killing hundreds of people and damaging thousands of buildings. The quake and its aftershocks were felt on Bali too, where buildings were also damaged.

Travel insurance companies were quick to issue statements about how the earthquake will affect existing and future policies.

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.

What can Bali travel insurance cover?

Travel insurance policies can cover you for a lot more than acts of Mother Nature such as ash clouds and earthquakes. They also provide protection against the following broad range of risks faced by every traveller who visits Bali:

  • Overseas medical expenses. Medicare doesn’t cover you overseas. Luckily, if you 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.
  • Medical evacuation and repatriation. 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.
  • Cancellation costs. 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.
  • 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.
  • Luggage delay. When an airline temporarily loses your luggage, travel insurance can provide you with the funds to buy emergency items like clothing and toiletries.
  • 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.
  • Water sports. 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. Conditions apply.
  • 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.
Get quote

Are there any exclusions?

Accidents happen and sometimes these can't be avoided. That's when travel insurance policies come in. For accidents that could have been avoided but occur due to your own unsafe actions or pre-existing conditions, policies generally won't cover you.

Common exclusions include the following:

  • 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 have a pre-existing medical condition. Travel insurance will generally not cover any pre-existing medical conditions you have before you travel. So if your back problems flare up after the flight to Denpasar, your insurer probably won’t cover you for any resulting disruption to your trip.
  • 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 cover 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.

What's the cheapest I can pay for travel insurance?

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:

  1. Fill out a claim form. This will usually be available online or can be mailed to you upon request.
  2. 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.

What to consider when purchasing your travel insurance policy for Bali

The best travel insurance for Bali depends on the type of holiday you have planned. Consider the following factors when choosing a policy:

  • Where else are you going? Are you travelling to Bali only, or will you also be visiting other destinations throughout Indonesia or around the world? If you’re planning an extended holiday, you may need a policy that covers longer trip durations and multiple destinations.
  • What will you be doing? Will you be hiring a car or motorcycle, and therefore need a policy that covers things like rental car insurance excess or emergency medical expenses following a motorcycle accident? Will you need cover for adventure activities and water sports?
  • How much cover do you need? Do you want cover for the essentials only or would you prefer cover for a comprehensive range of travel risks? Do you need unlimited cover for overseas medical expenses in Bali? How much cover do you need for cancellation costs, luggage and personal belongings, and all the other crucial travel insurance benefits?
  • What’s your budget? Are you a budget-conscious backpacker or are you willing to spend a little extra to buy high-level cover for a wider range of risks?

Answering these questions will help you work out the type of policy you want. Then it’s a matter of comparing multiple policies by looking at the following factors:

  • What’s covered? Read the PDS for details of what benefits each policy offers, and the limits and sublimits that apply to each of those benefits.
  • What’s not covered? Read the list of general exclusions so that you’re fully aware of all the situations and events that will not be covered.
  • What additional options are available? If you need additional cover, such as for high-risk adventure sports or for high-value personal items you plan on taking with you to Bali, check if these are available for an extra premium.
  • The cost of cover. Obtain quotes to see how the cost of each policy compares to the competition. However, remember that instead of just looking at the number, you should consider cost in relation to the policy’s features to determine whether it offers value for money.

How to save on your policy

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.

Frequently asked questions about Bali travel insurance

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.

Compare Travel Insurance Policies for Your Trip to Bali

*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.

William Eve

Will is a personal finance writer for finder.com.au specialising in content on insurance. While he cannot give personal advice to clients, Will enjoys explaining the intricacies of different types of protective cover to help individuals and businesses find affordable cover that won't leave them underinsured.

Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

8 Responses

  1. Default Gravatar
    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

    • finder Customer Care
      RichardFebruary 17, 2016Staff

      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 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 at the top of the page. 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

  2. Default Gravatar
    GabriellaAugust 9, 2015

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

    • finder Customer Care
      RichardAugust 10, 2015Staff

      Hi Gabriella,

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

      I hope this helps,
      Richard

  3. Default Gravatar
    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

    • finder Customer Care
      RichardMay 8, 2015Staff

      Hi Geoff,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. If you would like to review how the insurers in our panel treat motorcycle use while traveling, please have a look at the page below:
      Motorcycle Travel Insurance

      I hope this was helpful,
      Richard

  4. Default Gravatar
    JudyMarch 14, 2015

    I have travel insurance with Priceline and was wondering if I am covered if the government puts out a travel warning for Bali where I am travelling to.

    • finder Customer Care
      RichardMarch 19, 2015Staff

      Hi Judy,

      Thanks for your question. Unfortunately, finder.com.au is a comparison service. I contacted Priceline and who said at this point in time, they do not have any specific instructions for people travelling to Bali. If you are after specific information in regards to travel warnings, please refer to the General Exclusion section in the PDS. I would be worth pointing out that travel warnings do change, so keep an eye on this be taking advantage of services such as Smartraveller.

      I hope this was helpful,
      Richard

Ask a question
Go to site