Will my travel insurance policy cover me for Bali belly?

If you need emergency hospital care due to getting Bali belly then yes, you should be covered.

Is the water safe to drink in Bali?

No, it is recommended that you don’t drink the water in Bali. This extends to using tap water while brushing your teeth and being cautious not to swallow any while washing your face. Additionally, you should not consume drinks with icecubes or eat salads where water may have been used to rinse the salad leaves.

Do you need vaccinations for Bali?

Before travelling to Bali all travellers should make sure routine vaccinations are up to date and speak to a doctor about other travel vaccinations. Smartraveller.gov.au and a doctor can advise the risks of any other diseases/viruses, which can include: Hepatitis A Hepatitis B Rabies Tetanus Influenza Japanese encephalitis Measles Malaria Zika Dengue fever

Which travel insurance is good for Bali?

The cheapest policy will usually only cover you for medical expenses. However, flight disruptions and petty crime are fairly common in Bali so it may be worth getting comprehensive travel insurance. This can cover you for medical expenses, trip rearrangement costs, theft, luggage delay and more.

Bali travel insurance

Exercise a high degree of caution

Updated by Smartraveller on 09 Jul 2025

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Protect your trip to Bali with cover for unexpected medical emergencies and evacuations.
Driving scooters requires the right licence and specific cover add-ons for protection.
Medibank’s comprehensive policy provides unlimited medical cover and optional motorcycle protection for Bali.

Why do I need travel insurance in Bali?

When thinking of a holiday to Bali, a few things come to mind; zipping around on a scooter, sipping cocktails by the pool, eating delicious meals and so on. While the plan is for this to be a fun-filled holiday, there are few things to beware of — like the safety of water from a tap or icecube and the drastic differences in the traffic conditions that can make your time on the road a little unsafe.

With travel insurance, you’ll be covered for numerous mishaps that can occur while you’re in Bali. These can include:

Emergency medical treatment
Other medical expenses caused by injuries and accidents
Transport to hospital by helicopter or ambulance
Medical evacuations back to Australia
Car rental excess (sometimes an optional extra)

Scooter rental excess (sometimes an optional extra)
Lost or stolen valuables
Natural disasters
Delayed and cancelled flights + associated accommodation expenses

"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

Travel Insurance Expert

Common travel insurance 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 somewhere Smartraveller rates "Do not travel". Insurers will not pay claims that come from the reason for that warning, though claims for unrelated things are usually still covered.
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. 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?

This depends on your activities while you’re holidaying. Here’s some common optional extras you might like to consider for Bali:

Scooter rental excess insurance
Scuba diving
Surfing

Best travel insurance for Bali: Medibank International Comprehensive

Our verdict:

Medibank International Comprehensive is a great policy for those travelling to Bali because it has generous coverage limits and includes all the optional extras you might need for exploring the streets of Bali.

Pros & cons:

Unlimited overseas emergency assistance
Unlimited overseas medical and hospital expenses
Up to $10,000 for rental car excess insurance
Optional motorcycle cover

Lower cover of $25,000 in the event of permanent disability. Others cover up to $50,000.
No cruise cover.

Why we picked it

Medibank’s International Comprehensive Travel Insurance policy was given a Finder Score of 9.7/10. This is because it offers higher benefit limits than some other policies, yet remains comparatively affordable. The policy can be tailored to suit your holiday and includes add-on options for popular Bali activities, like motorcycle hire.

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How can I find cheap travel insurance for Bali?

There are plenty of ways to find a cheaper travel insurance policy.

Select a medical only policy. Medical only or basic policies will generally be the cheaper policies on the market.
Look for promo deals. 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. Every policy is different so it’s worth comparing to see where you can get the best bang for buck.
Buy your policy early. Get the most value by buying your policy early. It means you're covered for longer while paying the same price.

Our expert says

"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."

Gary Ross Hunter

Journalist

FAQs

Before travelling to Bali all travellers should make sure routine vaccinations are up to date and speak to a doctor about other travel vaccinations.
Smartraveller.gov.au and a doctor can advise the risks of any other diseases/viruses, which can include:
Hepatitis A
Hepatitis B
Rabies
Tetanus
Influenza
Japanese encephalitis
Measles
Malaria
Zika
Dengue fever

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. Smartraveller Indonesia destination

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

Add to Preferred Sources

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 519 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
Managing the cost of living

Co-written by

Peta Taylor

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

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12 Responses

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.

Finder

RichardMarch 19, 2015Finder

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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