Bali bound? You’ll need $100K in travel insurance COVID cover

Posted: 8 November 2021 7:18 am

Countries including Indonesia and Thailand have made travel insurance a mandatory requirement: Here's how to get a policy for around $100.

Fully vaccinated Australians and permanent residents jetting off to travel hotspots like Bali, Singapore and Thailand will need to take out travel insurance before they set off.

Several popular overseas destinations have made travel insurance for COVID-related medical expenses mandatory.

Some even require you to have a minimum amount of cover. For example, you need to have at least US$100,000 (approximately AUD$134,000) worth of medical cover to get into Indonesia.

Bali bound travellers shouldn't be put off by this whopping amount though – most comprehensive travel insurance policies come with unlimited medical cover. However, not all insurers cover COVID-related expenses.

Which travel insurers offer COVID-19 cover?

We looked at 34 different insurance policies and found 3 partner brands that include COVID-related cover: Southern Cross Travel Insurance, Cover-More and Fast Cover. They can cover you for:

  • COVID-19 medical expenses
  • Trip rearrangement costs if you, a fellow traveller or your host gets COVID-19 and it impacts your trip
  • Expenses if you're unexpectedly forced into quarantine during your trip

How do I get travel insurance for Bali that covers COVID?

According to Smart Traveller, you must have proof of COVID-19 medical insurance coverage of at least US$100,000 to enter Indonesia.

We got travel insurance quotes from Southern Cross Travel Insurance and Cover-More. A Southern Cross Travel Insurance policy is likely to set you back around $107.44 for a 7-day trip, while Cover-More costs around $186.

Both of these policies include cover for medical expenses, including if you catch COVID, get injured riding a moped, trip cancellation and lost or stolen luggage.

Southern Cross Travel InsuranceCover-More - International Comprehensive +
Cancellation cover$10,000$10,000
COVID-19 benefits
  • Medical and evacuation
  • Cancel or change your travel arrangements before your journey
  • Re-arrange your travel arrangements (including if you need to return to Australia), because you are diagnosed with COVID-19
  • Medical treatment and ambulance transportation
  • Cancellation if you're diagnosed with COVID-19 prior to your departure
  • Quarantine or isolation costs if you're diagnosed with COVID-19 during your trip
  • Cover if you pass away on your trip due to COVID-19

Get Quote

Get Quote

Prices based on a 7-day trip for a 30-year old traveller.

Cover-More will also allow you to amend your trip if a relative or business partner is diagnosed with COVID-19, or you're an essential healthcare worker and your leave is revoked because of COVID-19.

What COVID-related expenses won't I be covered for?

There are certain COVID-related situations where travel insurance will not generally cover you. These include:

  • Government imposed lockdowns or quarantines
  • A mandated quarantine or self-isolation that you knew about in advance
  • Ignoring advice from a doctor that you are not well enough to travel
  • COVID cover on a multi-night cruise
  • Travelling to a "Do Not Travel" country
  • PCR tests

Where else is travel insurance compulsory?

According to Safe Travel ICA, to enter Singapore, short-term visitors "will need to have travel insurance for their COVID-19-related medical treatment and hospitalisation costs in Singapore, with a minimum coverage of SGD$30,000."

Thailand also requires a minimum travel insurance cover amount of US$50,000. Other travel insurance requirements include:

  • South Africa. South Africa recommends you have comprehensive travel insurance.
  • Italy. You will need travel insurance.
  • Ireland. You will need travel insurance.
  • Canada. Ensure your travel insurance covers medical costs.
  • US. Ensure you have comprehensive travel insurance.
  • Fiji. The Fiji Government requires that you have travel insurance with international coverage for COVID-19.
  • New Zealand. Ensure you get comprehensive travel insurance.

When are you booking your next trip?

According to a Finder survey, more than 20% of Australians are looking to head overseas in the next 12 months.

Even if travel insurance isn't a mandatory requirement, it's still worthwhile taking out cover.

"From onboard medical expenses and emergency evacuation to covering your valuables and travel documents if they get lost, stolen or damaged, travel insurance will continue to be a worthy consideration for those who want to feel protected," says Finder travel expert Angus Kidman.

You can compare travel insurance policies that offer COVID-19 cover here.

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