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Bali travel insurance

Ready to get moving? See quotes and compare travel insurance policies for Bali from over 13 brands

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Updated by Smartraveller on 24 Apr 2024

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Jessica Prasida

Unfortunately my flight to Bali was cancelled by the airline the night before I was to depart, and I couldn’t get on another flight until 3 days later. This put me out of pocket for the accommodation that I had booked, totalling around $1,500 for those 3 nights. After I arrived back from my trip, I lodged a claim with Allianz who reimbursed me for those prepaid expenses (less a $300 excess). The claims process was super straightforward. I filled out an online form, uploaded my documentation like tax invoices and the cancellation email. Within 4 days, Allianz had approved my claim and I received the funds a week later. It was the best outcome from a bad situation.
— Jessica Prasida, publisher

Why do I need travel insurance in Bali?

  • It can cover you for emergency medical treatment.
  • It can cover medical expenses caused by injuries and accidents, unless it's from an excluded activity.
  • It can pay for transport to hospital by helicopter or ambulance, as well as medical evacuations back to Australia.
  • If you're renting a car in Bali, make sure you have car rental excess cover.
  • Pickpocketing can occur in Bali. Travel insurance can cover you for lost or stolen valuables. This could include rings, necklaces, phones and watches.
  • Bali is home to active volcanoes. Travel insurance can cover travel disruptions caused by natural disasters.
  • Terrorism is a risk in Bali. A few insurers provide cover for medical and hospital expenses caused by an act of terrorism, including the cost of bringing you back home.

Looking for the best travel insurance for Bali? Check out our award winners in 2023

Bali travel insurance: Common exclusions

Every travel insurance policy has things you won't be covered for. Common exclusions include:

  • If you purchase cover after the incident has occurred. For example, if you take cover out after you've been injured and need medical attention.
  • Pre-existing medical conditions. If you have any major medical conditions, make sure you let your insurer know before taking out a policy. Otherwise you won't be covered for claims related to that condition.
  • You travel despite government travel advice. For example, if you travel to areas that have a warning from Smartraveller, such as the provinces of Papua (Papua), Papua Highlands (Papua Pegunungan), Central Papua (Papua Tengah) and South Papua (Papua Selatan), travel insurance may not cover you.
  • Incidents that occur while you're under the influence of drugs or alcohol. For example, if you go out drinking in Seminyak, get injured and need medical attention, travel insurance won't cover you.
  • Driving vehicles without a licence. Like Australia, you won't be covered for medical costs or personal liability expenses if you drive without a licence in Bali.

What add-ons should I look for?

  • If you have plans to zoom around Bali on a scooter or motorbike, make sure to have the right license, and the right policy.
  • Bali is a surfers' paradise. Protect yourself from accidents while on your board, and from whatever is underneath your board.
  • Taking a dive into deeper waters? Some policies can cover you if you're diving between 10-30m below the surface, but you'll need extra cover if you're going deeper.
Washing machine on fire
Did you know?
Natural disasters such as flooding, bushfires, earthquakes, tsunamis and landslides can occur in Bali.

Will I be covered for COVID-19?

Travel insurance can cover you for COVID-19 in Bali. A policy can cover you for the following:

  • Rearrangement costs if you catch the virus and need to change your plans. Lots of comprehensive travel insurance policies let you claim up to $5,000 towards these expenses.
  • Medical costs due to COVID-19. This can include hospital expenses and RATs if you catch COVID-19 while overseas (but you won't be covered for mandatory PCRs).
  • Expenses if you need to isolate. For example, if you catch COVID while you're overseas and need to push back your flight and stay in your accommodation longer.

How do I get cheap travel insurance for Bali?

  • Medical only or basic policies will generally be the cheaper policies on the market.
  • Use exclusive deals or promo codes to get a discount.
  • Opt for a higher excess. This will make your policy cheaper but more expensive if you have to claim.
  • Compare across a handful of travel insurers – they're not all the same.
  • Get the most value by buying your policy early. It means you're covered for longer while paying the same price.
Our best travel insurance policies

When I travel, I don't want to fork out a lot for travel insurance. I always get something above the bare minimum though which usually only covers medical-only expenses. Flight disruptions and delayed luggage are really common, so look for a cheap policy that covers me for these things.

What do I do in emergencies?

For emergencies: call 112 (police), 112 (ambulance) or 112 (fire).

In a medical emergency, call for help and then contact your insurer on their emergency assistance line.

Civil unrest, security risks, threat of terrorist attack and crime are a concern in Bali, but you should still be eligible for travel insurance. It won't cover all of these situations but it can help cover medical costs, stolen belongings and much much more.

Angus Kidman

Meet our travel expert Angus Kidman

Angus Kidman is the international editor-at-large at Finder. He's an award-winning journalist, avid travel enthusiast and passionate frequent flyer. Angus appears regularly on Sunrise, Today, The Project, Seven News and other TV and radio shows to share his expert tips.

Angus's top Bali travel insurance tips

  • Planning to surf in Bali? Check that your policy covers both injuries and damage to your board - many don't.
  • Take out insurance as soon as you book your trip - that maximises the value of your cover.
  • Bintang beware: travel insurance likely won't cover your for inuries that occur while you're drunk.

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FAQs about Bali

Written by

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full profile

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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?

      JamesSeptember 23, 2021Finder

      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?

      RichardFebruary 17, 2016Finder

      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?

      RichardAugust 10, 2015Finder

      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

      RichardMay 8, 2015Finder

      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.

      RichardMarch 19, 2015Finder

      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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