Travel Insurance: Bali

Looking for the best travel insurance for Bali? Start your search here.

Swinging on the beach

If you're travelling to Bali, don't compromise on a travel insurance policy. Features that you can really benefit from are:

  • Overseas medical and hospital expenses
  • Emergency medical evacuation
  • Additional expenses
  • Cancellation and change fees in case your trip is interrupted
  • Special events in case you're going there 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
This guide highlights our best policies for Bali, some of the cheapest, exclusions and some other handy information (like about the volcano).

Compare Bali insurance quotes from $1.77 a day

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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 InsuranceFast CoverZoom Travel Insurance
Price$84.10$58.90$58.65
Policy TypeComprehensiveComprehensiveComprehensive
Finder rating
9.3
9.1
9
Overseas Medical ExpensesUnlimitedUnlimitedUnlimited
CancellationsUnlimitedUnlimitedUnlimited
Luggage & Personal Effects$7,500$10,000$7,500
ApplyGet quoteGet quoteGet quote

*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 InsuranceInsure4less Travel InsuranceFast Cover
Price$24.80$30.55$33.80
Policy TypeBasicMedical OnlyComprehensive
Finder Rating
1.3
1.6
0.6
Overseas Medical ExpensesUnlimitedUnlimitedUnlimited
CancellationsNo coverNo coverNo cover
Luggage & Personal Effects$2,000No coverNo cover
ApplyGet quoteGet quoteGet 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

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24 Apr 2019 15% off Bali travel insurance with Budget Direct SAV****

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.

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.

More information on the Bali volcano

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:

  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.

Frequently asked questions about Bali travel insurance

Compare Travel Insurance Policies for Your Trip to Bali

*The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

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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

    • Avatarfinder 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?

    • Avatarfinder 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

    • Avatarfinder 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.

    • Avatarfinder 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

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