Travel Insurance: Bali

Looking for the best travel insurance for Bali? Or maybe a cheap policy? Start your search here.

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Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures
    This guide highlights our best policies for Bali, some of the cheapest, exclusions and some other handy information (like about the volcano).

    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 InsuranceFast CoverZoom Travel Insurance
    Policy TypeComprehensiveComprehensiveComprehensive
    Finder rating9.39.19
    Overseas Medical ExpensesUnlimitedUnlimitedUnlimited
    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 InsuranceInsure4less Travel InsuranceFast Cover
    Policy TypeBasicMedical OnlyComprehensive
    Finder Rating1.31.60.6
    Overseas Medical ExpensesUnlimitedUnlimitedUnlimited
    CancellationsNo coverNo coverNo cover
    Luggage & Personal Effects$2,000No coverNo 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.

    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 Bali travel insurance from $1.77 a day

    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.

    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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    10 Responses

      Default Gravatar
      RichardSeptember 16, 2021

      I am a 74 year old Pensioner, who spends nearly 6 months of the year in Bali. I have mild Oestesporosis and mild Enphysemia and just need the basic insurance to get me back to Australia if anything were to happen to me in Bali. How much would I be approximately? Would it be cheaper t purchase per the 60 day holiday or to purchase for a year?

        Avatarfinder Customer Care
        JamesSeptember 23, 2021Staff

        Hi Richard,

        Based on your situation, a seniors travel insurance might be a good option to consider. It offers benefits such as cover for pre-existing medical conditions and accidents overseas.

        The exact cover and premium you’ll pay will vary between providers. Read our guide on Seniors Travel Insurance ( for more information.

        When you’re ready, you can get a quote from the providers listed in the guide. Click the green ‘Get Quote’ button to get started.

        Before applying, always read a policy’s Product Disclosure Statement (PDS) so that you’re aware of what you’re covered for, along with and exclusions or restrictions.

        I hope this helps,


      Default Gravatar
      angFebruary 16, 2016

      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?

        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 the 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. 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,

      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,

      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.

        If you would like to review how the insurers in our panel treat motorcycle use while traveling, please have a look at motorcycle travel insurance. Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

        I hope this was helpful,

      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, 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,

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