Travel Insurance: Bali
Looking for the best travel insurance for Bali? Or maybe a cheap policy? Start your search here.
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Important:Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
- If you're buying a policy today, it's unlikely that you'll be covered for border closures
- If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
Important benefits of travel insurance in Bali
If you're planning a trip to Bali, don't compromise on a travel insurance policy. Features that you can really benefit from are:
- Overseas medical and hospital expenses
- Trip Cancellation for when the unexpected happens
- Additional Expenses to help get your trip back on track
- Emergency medical evacuation
- Special events in case you're trip is for a yoga retreat or a destination wedding
- Luggage and belongings
- Travel documents and credit card fraud
- Theft of cash
- Get the right add ons like motorcycle packs or cover for water sports
Getting the best travel insurance for Bali
Most people consider the best policies as a comprehensive one since they have more benefits included and higher limits.
We use our finder rating tool to measure comprehensiveness, that is, how much a policy covers. The higher the rating, the more cover you get. Just remember, take into consideration your own needs when choosing a policy since there is no "best" policy for everyone.
This table shows Finder's top 3 most comprehensive policies. Your price may vary depending on your trip details so you'll need to get a quote to see how much you'll pay.
|Budget Direct Travel Insurance||Fast Cover||Zoom Travel Insurance|
|Overseas Medical Expenses||Unlimited||Unlimited||Unlimited|
|Luggage & Personal Effects||$7,500||$10,000||$7,500|
*Prices are based on a 30 year old going to Bali for two weeks with a $200 excess. Quotes made in April 2019.
Here are some reasons why you want the best policy when you go 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.
Cheap travel insurance to Bali
If you're on a budget, you can get cover that starts from $1.77 per day. 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:
|Tick Travel Insurance||Insure4less Travel Insurance||Fast Cover|
|Policy Type||Basic||Medical Only||Comprehensive|
|Overseas Medical Expenses||Unlimited||Unlimited||Unlimited|
|Cancellations||No cover||No cover||No cover|
|Luggage & Personal Effects||$2,000||No cover||No cover|
*Your price may vary so you'll need to get a quote to see how much you'll pay.
Bali travel insurance exclusions: watch out for these, you won't be covered if you...
- Are under the influence. Bali has a reputation for being a party destination but your insurer won't cover you if something happens while you were under the influence of alcohol or drugs.
- Ride without a licence or helmet. Bike riders need to be licensed to ride that bike either in Australia or in Bali. Otherwise, any bike-related claim won't be covered.
- Seek a little too much adventure. If your Bali holiday is going to involve more than just lazing by the beach, check to see what activities you're insurer covered. For example, skydiving isn't covered by all travel insurers.
- Buy a policy after the incident. Always take a policy out before you travel to avoid hassles.
- Ignore a government warning. Before travelling, check the DFAT website to make sure it's safe to travel.
- Have a pre-existing medical condition that isn't declared. Let your insurer know about your condition or you risk having any related claim rejected.
- Leave personal items unattended. While travel insurance policies often cover loss of personal items, you won't be reimbursed if you leave it unattended.
- 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.
Even the most comprehensive travel insurance policies have exclusions. Check out our guide to travel insurance exclusions for more situations when you won't be covered.
Travel insurance: 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
Enter "Bali" as your destination, your trip dates and age to get your quote. Remember that your 'End Date' should be the date you arrive back home in Australia, not when you leave Bali.
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