Bali Traveller In Pool

Travel Insurance for Bali

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Bali has long been a popular destination for Aussie travellers. Whether you're heading to Bali for a relaxing holiday or if you're 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.

Compare travel insurance deals for your trip to Bali

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Updates for travel warnings to Bali

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 and many other Australians from a range of potential travel risks including:

  • Overseas emergency medical expenses. The most important type of cover this type of insurance provides is for emergency medical expenses you incur while on your trip. This guarantees that you will get the best possible treatment, while cover is often also available for medical repatriation to Australia if required.
  • Cancellation fees for non-refundable  flights and accommodation, Travel insurance Bali covers you against trip cancellation and delay. For example, 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. Similarly, 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, while some policies will also offer personal accident cover and features like rental vehicle excess cover.
  • Motorcycle cover if you have a license.  Some policies which have been specifically designed 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.
  • 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 participants in, including:
    • kayaking
    • surfing
    • snorkelling
    • jet boating and jet skiing
    • parasailing
    • 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 traveller to Bali were 26 to 35 years olds. 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 Bali policies, it's important to look at more than just cost but also, what is cover. Table below displays 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 PDS and understand just what you're getting for your money.

ProviderTravel InsuranzInsureandgoGoInsuranceVirgin Money
DestinationBaliBaliBaliBali
PolicyClassicBare EssentialsGo Basic - BaseMedical Only
Overseas Medical Expenses$10,000,000Unlimited$10,000,000Unlimited
Cancelation Fee Cover$2,500n/an/an/a
Luggage & Personal Effects$2,500$2,000n/an/a
Excess$125$100$200$150
Length of Trip14 days14 days14 days14 days
Age of Traveller35353535
Total cost of cover$47.95$37.45$36.09$41.96
Get QuoteGet QuoteGet Quote Get Quote

*Prices shown accurate November, 2015. Prices are subject to change. 


Are there any exclusions?

There are a number of common travel insurance Bali policy exclusions. These include:

  • Claims will not be paid if you travel to a region where the Australian government has issued a travel advisory warning against travel to such a place.
  • While cover is provided for the loss or theft of your luggage and belongings, claims won’t be paid 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, any claims relating to these conditions in the future may be refused. Because of this, you must disclose all relevant information to your insurer.
  • Claims related to your intoxication or use of drugs will be refused. Similarly, behaving recklessly or unlawfully will also result in insurance companies rejecting your claim.
  • Some policies will not provide cover for claims arising from you travelling on 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, for example skydiving, claims relating to these activities will not be covered.
  • Ignoring road rules or laws will ensure that any resulting claims are not covered.
  • Some policies will not cover you for any work you do while travelling, so beware of this if you’re planning a working holiday.
  • If your claim arises from an error in booking arrangements or your failure to obtain the correct passport or visa, it will not be paid.
  • If your claim arises from an act of war, terrorism or civil insurrection it will typically not be paid.

Julia on a Moped in Lembongan

Before Julia departed on her Balinese holiday, she checked whether or not 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 she found that while her insurer did permit the use of a moped because she was not licensed to operate the vehicle in Bali or in Australia, they denied her claim.

Do I need a licence to ride a motorbike or moped in Bali?

This is a common misunderstanding. 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 around. This extends to vehicle class. While you may have had the best intentions prior to travelling overseas, contacted the relevant motoring body and secured and international driving permit, that permit will only be for the class of vehicle you are licensed to drive here in Australia. To drive a motorcycle overseas, you need to have a category A licence otherwise OR your insurance will be null and void.

Find out more about motorcycle travel insurance


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 a bit, while the chances of getting caught up in an act of terrorism are low. However, the Australian government has been known to issue travel advisories for Bali, 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 the chances of illness destroying your holiday plans should be taken into account. 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 Diphtheria, Hepatitis A and B, Pertussis, Tetanus and Typhoid. You may also want to speak with a physician about Chikungunya, Dengue fever, Filariasis, Japanese encephalitis and Malaria prior to travelling.
  • Are the roads safe in Bali? Road safety is another issue that faces travellers to Bali. 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 also pose risks, while 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 Bali policy, insurers provide a number of ways for you to do so. Generally, the easy way to lodge a claim is online via an electronic claims form. However, you can also often 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. In addition, 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, while 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 copes 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.

Who do I contact in an emergency?

If you find yourself in an emergency in Bali, some of helpful contacts include:

  • You travel insurer. You insurance provider will have an 24/7 helpline for claims and medical emergencies.
  • Main emergency hotline. You can reach this service by dialing 211.
  • Ambulance service. You can reach this service by dialing 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 to other locations, so take the time to think of what could potentially go wrong in the region you’re planning on visiting. This will influence how much insurance cover you need and the type of policy you take out.

What do you need? The next question to ask yourself is what sort of cover 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 away with you, make sure that they are covered by your policy. 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.

When's the best time to visit Bali?

Bali has to distinct seasons, the peak season and the off season. Their details are as follows

SeasonDetails
Peak season (Dry season)
  • June to September.
  • The weather is hot but not humid allowing the balinese culture, nightlight and its friendly people to shine.
  • Surfers enjoy great waves.
  • Backpackers come to Bali for cheap holidays.

 

Off season (Wet season)
  • October to March.
  • Humid and tends to rain somedays, mixed with days of sunny weather.
  • Cheaper flights and few crowds.
  • Many people stay in mountain retreats for a relaxed getaway during this period.

How do I find cheap flights to Bali?

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.

More informationDetails
Cheapest price to fly to Bali(Sydney to Bali)
  • $380
Average flight times to Bali
  • 6 hours and 13 minutes (Sydney to Bali)
Which airlines can I take to Bali?
  • Delta Airlines
  • Emirates
  • British Airways
  • Cathay Pacific
  • Continental Airlines

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 are 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 it 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 6 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 Smartraveller website.

Don't do drugs, mmmkay. 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


Travel insurance questions before going to 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.


How do I choose 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 to other locations, so take the time to think of what could potentially go wrong in the region you’re planning on visiting. This will influence how much insurance cover you need and the type of policy you take out.

What do you need? The next question to ask yourself is what sort of cover 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 away with you, make sure that they are covered by your policy. 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.

Ready to get travel insurance for Bali?

Travel insurance is an essential consideration for any trip you’re planning on taking, including for 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

*Price based on quote for basic policy for a 2 day trip for 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 details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of 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)

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.

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8 Responses to Travel Insurance for Bali

  1. Default Gravatar
    ang | February 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

    • Staff
      Richard | February 17, 2016

      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
    Gabriella | August 9, 2015

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

    • Staff
      Richard | August 10, 2015

      Hi Gabriella,

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

      I hope this helps,
      Richard

  3. Default Gravatar
    Geoff | May 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

    • Staff
      Richard | May 8, 2015

      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
    Judy | March 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.

    • Staff
      Richard | March 19, 2015

      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

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