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Best Travel Insurance for Bali – Price & Requirements

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When traveling abroad, get a policy from one of the  best travel insurance companies . Y ou can get a  5% discount   on Heymondo , the only insurance that pays medical bills upfront for you, HERE!  

Buying travel insurance for Bali should be one of the first things you do before you jet off to this fantastic destination. After all, you never know when a vacation will be interrupted by a broken leg, lost luggage, or a flight delay. Having Indonesia travel insurance , or insurance for travel to Bali specifically, means you won’t be stuck with tons of extra fees if something unexpected happens.

Tegallalang rice paddies, the best travel insurance for Bali

Best Travel Insurance for Bali – Price & Requirements

When we went to Bali, we purchased Heymondo travel insurance before our trip. As it turned out, this was a very smart decision since I ended up needing medical treatment during the trip. Even if nothing had gone wrong, though, travel insurance for Bali was worth having just for the peace of mind it gave us.

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Of course, to have the perfect trip, you’ll also need to decide what things you want to do in Bali and where to stay in Bali . In terms of Bali travel insurance , though, these are all the things you need to know:

Is travel insurance mandatory for Bali?

How much is travel insurance for Bali?

  • Best travel insurance for Bali

Ready to learn more about the best travel insurance for Bali ? Let’s get to it !

Travel insurance for Bali is not currently mandatory. Still, purchasing travel insurance that covers COVID-19 is always a smart idea.

Monkey in Bali, Monkey in Bali

After all, you never know when you’ll get sick or injured while you’re traveling. Plus, paying medical fees out of pocket can get incredibly expensive. On top of that, having insurance for travel to Bali will allow you to get reimbursed if you cancel a hotel reservation at the last minute, lose your luggage, or need to quarantine. It’s always better to buy travel insurance for Bali and not need it than to go without it and up paying tons of fees.

Bali travel insurance requirements

Even though travel insurance for Bali is not an entry requirement, there are still several types of coverage that you should have if you do decide to purchase insurance. COVID-19 coverage is absolutely imperative, as is emergency medical expense coverage, particularly since medical care can be costly. Evacuation and repatriation coverage, which covers return travel to your home country for medical treatment or because of political events, is also crucial.

As such, you should, at a minimum, purchase travel health insurance for Bali . If you’d prefer to have travel-related coverage as well, look for travel insurance with trip cancellation and baggage coverage .

The price of travel insurance for Bali will depend on your age and nationality, as well as the length and cost of your trip. To help you get an idea of how much insurance for travel to Bali costs , I used the example of a 30-year-old American spending a week in Bali with a trip cost of $2,500 to generate quotes.

*price used for example

Ultimately, all four of the Bali travel insurance plans I’ve compared have their merits. The best overall travel insurance for Bali , however, is Heymondo , especially since they pay travelers’ medical expenses directly and upfront. If you’d prefer to save money and just have medical-related coverage, SafetyWing is another excellent option, but bear in mind it has a deductible of $250 per claim .

1. Heymondo , the best travel insurance for Bali

If you want the best travel insurance for Bali , look no further than Heymondo . Not only does their Top plan offer a high amount of coverage in all categories, but it’s also the most affordable option with both travel- and medical-related coverage.

Heymondo, Bali travel insurance company

On top of that, Heymondo is the only Bali travel insurance company that pays for travelers’ medical expenses directly and upfront, saving you the hassle of filing a claim to get reimbursed. The convenience of this payment process as well as the company’s excellent customer service have enabled Heymondo to consistently rank as one of the best travel insurance companies .

Best of all, the Top plan includes a $0 deductible for medical expenses, so you won’t have to pay a single penny out of pocket for any medical fees.

Heymondo has several amazing benefits and very few downsides, which is why we have annual multi-trip insurance with this company. Since we’ll be taking a number of trips over the next year, this policy saves us a lot of money. You can learn more in our Heymondo review and save 5% on your plan with the promo code below.

2. SafetyWing , a cheap travel insurance for Bali

Saving money on travel insurance doesn’t have to mean poor coverage. Purchasing travel health insurance will ensure you get the medical coverage you need without the higher cost of covering travel-related expenses.

SafetyWing is by far the best health insurance for Bali travel option. Their Nomad Insurance plan offers great worldwide coverage in all medical-related categories, plus it’s the most affordable Bali travel insurance of all the plans I compared. You can even choose to automatically extend your plan every month if you want to keep traveling, so it’s ideal for digital nomads looking for long-term travel insurance .

SafetyWing, holiday insurance for Bali

The Nomad Insurance plan does offer some limited travel-related coverage for baggage loss and trip interruption, but this coverage is not as comprehensive as that of other travel insurance plans. Moreover, the plan’s $250 deductible means you’ll have to pay $250 towards any medical bills before SafetyWing covers the remaining balance.

As such, if you’d prefer a $0 deductible or want better travel-related coverage, Heymondo is your best bet.

3. World Nomads , the best holiday insurance for Bali for sporty travelers

If you’re planning a vacation full of adventurous activities, World Nomads is the perfect choice for holiday insurance for Bali . Their Standard plan covers tons of activities and sports, including surfing and snorkeling, two of the best things to do in Bali .

World Nomads, best travel insurance for Bali

You’ll also enjoy good coverage in all travel- and medical-related categories, as well as a $0 deductible for medical expenses. In terms of cost, however, the Standard plan is a little on the pricey side. After all, you can get a higher amount of coverage in all categories for a much lower price with Heymondo.

While World Nomads is one of the best cheap travel insurance companies , it’s only worth it if you’ll be doing a lot of sporty activities.

4. IMG , a reliable travel insurance for Bali, Indonesia

IMG is a well-respected travel insurance company that many travelers trust for their insurance needs. As such, it probably comes as no surprise that IMG’s iTravelInsured SE plan provides a solid amount of coverage in all categories, including trip cancellation insurance .

IMG, best Bali travel insurance

This travel insurance for Bali plan even includes Cancel for Work Reasons coverage and coverage for pre-existing conditions . There’s also a $0 deductible for medical expenses, so as long as your claim is approved, IMG will completely cover any medical bills incurred abroad.

One drawback, though, is that the iTravelInsured SE plan is the most expensive of all the plans I compared. As such, if you want similar or even better coverage for a lower price, go with Heymondo .

What travel insurance do I need for Bali?

Ultimately, travel insurance for Bali is not mandatory, but it’s still smart to purchase some kind of coverage. Take it from me: when I was visiting the Monkey Forest in Ubud, a monkey bit me! I then rushed to the nearest hospital, where I was quickly treated.

Balangan Beach, how much insurance for travel to Bali costs

Fortunately, I had purchased Heymondo holiday insurance for Bali before my trip, so I knew my medical expenses would be covered. When I saw the bill, though, I was especially relieved I had travel insurance – that medical treatment was not cheap! Save yourself the stress of going through an experience like mine without travel insurance by purchasing coverage before you travel.

Any of the Bali travel insurance options above will provide great coverage, but the standout is Heymondo , which offers excellent travel- and medical-related coverage for an affordable price.

On the other hand, if you want to save money, SafetyWing ’s travel health insurance for Bali is the most affordable option.

Either way, these essentials will help you plan your trip to Bali :

Essentials to save on your trip to Bali

Check the best no-foreign transaction fee credit cards .

Find the BEST DEALS for the top accommodation options in Bali .

Get a 5% discount on your travel insurance for Bali .

Check the best tours in Bali to make the most of your time HERE and HERE .

CHEAP FERRIES from Bali (hotel pick-up not included).

If you have any other questions about purchasing travel insurance for Bali or planning your trip, feel free to leave me a comment below!

Don't miss a 5% discount on your HeyMondo travel insurance  

and the only one that pays all your medical bills upfront for you!

the best travel insurance for bali

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2 replies on “ Best Travel Insurance for Bali – Price & Requirements ”

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Hello . Are there any insurance that cover for driving a scooter in Bali ? (- If not having a motorcycle licence- only a UK driving licence for a car and IDl for car) . ?

Would i be covered for medical cost s if I went as a passanger on the official Gojet? Taxi scooters? Thank you

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Hi Eva, Yes, but the extent of the coverage really does depend on which company and policy you go with. I would double-check before purchasing.

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the best travel insurance for bali

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Manta Bay or Kelingking Beach on Nusa Penida Island, Bali, Indonesia.

Travel Insurance for Bali (2024)

Protect your vacation to Bali with a travel insurance plan that covers unexpected medical and cancellation expenses

in under 2 minutes

Nicole Leigh West Photo

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Sabrina Lopez Photo

Sabrina Lopez is an editor with over six years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she is not working on articles to help consumers make informed decisions, Sabrina enjoys creative writing and spending time with her family and their two parrots.

When planning a trip to Indonesia for beaches, adventure sports and Balinese cultural excursions, it’s wise to have a safety net for peace of mind. Travel insurance can help protect your investment in case of the unexpected.

When you find the right travel insurance plan for you, you can relax knowing you’ll receive reimbursement for some or all of your prepaid trip costs. Below, we at the Marketwatch Guides Team discuss the best travel insurance for Bali vacations, including the costs involved and specific requirements.

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How Much Does Bali Travel Insurance Cost?

The cost of travel insurance largely depends on your personal preferences and age. Other factors to consider include pre-existing medical conditions for appropriate medical insurance. Plan options may consist of useful single-trip and annual multi-trip policies.

For a Bali travel insurance quote, you’ll need to provide the below information on insurance provider sites:

  • Number of travelers and ages of each traveler
  • Destination country and location
  • Home country and location
  • Total trip price

For cheap travel insurance options , we requested quotes from five top insurance providers to give you an idea of costs. The quotes below are for a 40-year-old traveler from California traveling to Bali from Sept. 1 to Sept. 14. With accommodation and flights, the total trip cost is $4,000.

The quotes listed to determine the cost of travel insurance were collected from each company’s website in May 2023. In general, standard plans for international travel insurance to Bali include coverage for trip cancellation and interruption, emergency medical and transportation and baggage loss or delay.

Compare The Best Bali Travel Insurance Companies

Use the table below to compare CFAR coverage, average costs and COVID-19 coverage of our top recommended travel insurance companies for a trip to Bali:

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Bali?

It’s not mandatory to buy travel insurance for a vacation in Bali. However, whether you’re traveling to Indonesia for business or pleasure, comprehensive travel insurance is recommended. If you require medical care in Bali, up-front costs can be expensive without medical coverage. In the case of trip interruptions or trip cancellations, insurance helps protect you from financial loss.

From exploring rice fields in Ubud to riding a scooter around Denpasar and rafting the Agung River, adventure activities are popular in Bali. A travel insurance policy with coverage for unexpected injuries is a good idea if you intend to participate.

Cancel for Any Reason Coverage (CFAR)

Travel insurance companies offer cancellation coverage with standard policies. However, you’re limited with regard to your reasons for canceling. Typically, they include the death of a family member, hospitalization or similar medical emergencies.

Cancel for any reason coverage , otherwise known as CFAR, is a policy upgrade that allows you to remain flexible and cancel travel plans at your discretion. For example, in the case of the pandemic and different requirements for COVID-19 coverage, CFAR allowed for a wide range of changing circumstances.

It’s important to note that CFAR is subject to disclaimers and restrictions. For example, to reimburse a trip cost, you may need to cancel within 48 or 72 hours of a departure or travel delay.

Gear Theft Protection

Whether you’re surfing in Kuta or scuba diving on a boat trip from Seminyak, gear theft protection is useful when you’re taking equipment with you. This may include valuables such as:

  • Professional cameras
  • Surfboards or snorkeling and scuba diving gear

Travel insurance coverage helps with the financial loss of items that are damaged, stolen or lost by airlines and tour operators. Generally, your insurance provider reimburses costs up to a predetermined limit. Check if exclusions apply and leave valuable items in your home country if they’re not fully covered.

Medical Emergency Insurance and Emergency Medical Evacuation

The health care system in Bali accommodates tourists with international standards of health care at hospitals and medical treatment centers. Typical health concerns in Bali range from an upset stomach due to new foods to accidents on motorbikes. Therefore, it’s important to have insurance to cover unexpected medical costs.

In the unfortunate case of accidents and illness, travel insurance for medical emergencies generally includes the following:

  • Hospital fees, such as operating room charges
  • Emergency dental work

Most health insurance plans include emergency medical evacuation and repatriation if local medical care isn’t available or you need to fly back to your home country. If you’re doing adventure sports or riding scooters, check if your plan covers associated accidents.

Rental Car Protection

To rent a car in Bali, you need an International Drivers Permit and a valid license from your home country. It’s important to get a rental vehicle from a trusted company to ensure third-party insurance is included. Optional coverage is recommended to limit your liabilities while driving around the island.

Coverage may vary depending on the insurance provider. As a general rule, the following is offered by rental car companies:

  • Collision damage waiver
  • Windshield protection
  • Roadside assistance
  • Theft protection

Most Bali travel insurance plans include rental vehicle excess cover on top of insurance from car rental companies. This helps reimburse the costs of excess paid for stolen or damaged cars.

Trip Cancellation Insurance

If you cancel your Bali vacation before departure, standard travel insurance policies cover trip cancellations for a limited number of reasons. Typically, known and ongoing natural disasters, such as volcanic eruptions, are not covered.

Choose CFAR coverage to remain flexible for changing travel plans. As a general rule, accepted reasons for trip cancellations include:

  • Death of family members
  • Hospitalization or serious illness
  • Severe weather conditions preventing departure
  • Jury or military duty

How Do I Get Travel Insurance for Bali?

When planning a trip to Bali, find out if your credit card or current health insurance provider offers travel insurance. If so, check the policies to ensure appropriate coverage for the type of vacation you’re expecting. It’s also possible to purchase Bali travel insurance directly through your airline.

Otherwise, the best advice is to shop around and compare prices between providers. Choose the best travel insurance to suit your personal needs.

Bali Safety Tips

Below are general travel and safety tips to help you enjoy peace of mind during your Bali vacation.

Crime and Safety

According to the U.S. Department of State , the Indonesian Travel Advisory is at Level 2: Exercise Increased Caution. However, Bali isn’t mentioned in areas of increased crime risk or terrorist activities.

Petty crimes, such as pickpocketing and drink spiking, may occur in Bali. It’s advised to stay alert in crowded areas, nightclubs and bars. Indonesia is also susceptible to natural disasters such as volcano eruptions, tsunamis and floods.

Day Trips, Tours and Excursions

From scuba diving to hiking and island-hopping, Bali offers a range of exciting tours and day trips. Travel insurance helps protect you financially during accidents and travel plan changes.

Always ensure tours are booked with reputable organizations. Seek advice from travel agents and hotel concierges. Visit the official website of the Ministry of Tourism , Republic of Indonesia for travel advice.

According to the Indonesian Embassy as of May 2023, all travelers over 18 must show a physical or digital vaccination certificate for the second dose of a COVID-19 vaccine. On arrival, travelers must comply with Indonesian health protocols which may include a temperature check or PCR test.

Is Travel Insurance for Bali Worth It?

Though travel insurance isn’t mandatory for visiting Bali, it’s recommended to protect against financial loss due to cancellation, and to cover unexpected medical emergencies.

To decide if travel insurance is worth it , take into account pre-existing medical conditions and the activities you’re likely to do on vacation. Even if you’re not riding scooters or doing adventure sports, accidents can occur. We recommend getting quotes from at least three providers to find the best deal for your travel insurance plan.

Frequently Asked Questions About Travel Insurance in Bali

Can i claim flight compensation.

Travel insurance with trip cancellation or interruption ensures that you can claim compensation for a delayed or canceled fight . Otherwise, compensation is at the discretion of airlines and may not be applicable in many circumstances.

Is travel insurance necessary for Bali?

It’s not mandatory to buy travel insurance for a Bali vacation. However, it’s recommended to get comprehensive travel insurance before you leave to cover unexpected medical costs. Otherwise, medical care may result in paying thousands of dollars up-front.

What documents are required for Bali travel?

According to the U.S Department of State, travelers to Bali require a passport valid for six months with at least two blank pages. You’ll buy a visa on arrival for approximately $35.

Travelers over the age of 18 must show proof of two doses of COVID-19 vaccination.

How much does travel insurance typically cost?

Travel insurance rates vary depending on the plan purchased, the destination and your age. As a general estimate, basic plans start from about $100 and can be as high as $500 for premium international travel insurance.

How We Rated Travel Insurance Companies for Bali

  • A 30-year-old couple taking a $5,000 vacation to Mexico.
  • A family of four taking an $8,000 vacation to Mexico.
  • A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
  • A 30-year-old couple taking a $7,000 trip to the United Kingdom.
  • A 19-year-old taking a $2,000 trip to France.
  • A 27-year-old couple taking a $1,200 trip to Greece.
  • A 51-year-old couple taking a $2,000 trip to Spain.
  • Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
  • Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
  • Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
  • Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

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Home » Southeast Asia » Indonesia » Bali

Guide To Bali Travel Insurance – ALL You Need To Know

Island of the Gods, heaven on Earth for surfers, and a treasure trove of natural wonders. Bali is, quite rightly, one of the most popular destinations in the world. Dripping in spirituality (those 20,000 temples help), the island is also a playground for adrenaline junkies. Oh, and Bali also knows how to put on a damn good party.

It is one of the few places in the world where shoestring backpackers, digital nomads, and luxury honeymooners coexist alongside one another. There is a little something for absolutely everybody and it’s also a great location to kickstart your travels around SE Asia.

Your head is probably spinning thinking about all the awesome things you can do in Bali. We bet you can’t wait to get out there. But, before you do, today’s topic will really break you out in a sweat. This one’s all about travel insurance in Bali!

Buying travel insurance is a hindrance we would  all rather avoid. With these helpful tips and tricks, you can know which insurance company is best for you and your travels, and what kind of policy you need.

the best travel insurance for bali

Month to month payments, no lock-in contracts, and no itineraries required: that’s the exact kind of insurance digital nomads and long-term traveller types need. Cover yo’ pretty little self while you live the DREAM!

Do I Need Travel Insurance For Bali?

What should travel insurance in bali cover, what is the best bali travel insurance, how to choose the right bali travel insurance for you, final thoughts on bali travel insurance.

Low aerial view of a Hindu temple by a blue lake.

As with the rest of Indonesia, travel insurance for Bali is not mandatory. Immigration won’t send you away if you rock up at Bali Ngurah Rai International without it. But all travellers to Bali should put some serious thought into covering themselves with a decent insurance policy.

First up, there is a fair amount of danger lurking beneath those swoon-worthy palm trees. We’re talking about volcanic activity and tsunamis, tropical diseases and rogue monkeys who don’t take too kindly to you not surrendering your jungle trail mix. And then there are the bike crashes – you may be the most competent motorcyclist out there, but all it takes is one drunken tourist on your side of the road to throw a spanner in the works.

It won’t take you long to suss out that Balinese people are among some of the warmest, friendliest and purest in the world. But sadly, theft and petty crimes are common, even in Bali! It’s also worth noting that not all Bali police will help you if you get your bag swiped.

We encourage all travellers to at least consider taking out some travel insurance in Bali. At the end of the day, you just never know what might happen in those rice paddies!

Need more convincing? Check out these other reasons why you should have travel insurance!

Psssst…. Searching for your Tribe?

the best travel insurance for bali

Tribal Hostel – Bali’s first purpose-built co-working hostel and perhaps the greatest hostel in the world!

An ideal hub for Digital Nomads and backpackers, this very special hostel is now finally open…

Come on down and enjoy amazing coffee, high-speed wifi and a game of pool 😉

Healthcare in Bali

As tourism has mushroomed, the boost on the economy and infrastructure in Bali has bolstered the healthcare system. Tourists will find many private hospitals with state of the art, international-standard facilities. Most of the doctors are fluent in English, or at least have a strong command of the language. Geographically, the lion’s share of Bali’s premium healthcare is in the south of the island – tourist central. Kuta, Denpasar and Seminyak are where you will find the majority of the large hospitals. Ubud, a popular Bali destination, also is medically well-equipped.

The cost of seeing a doctor in Bali for minor injuries and medical complaints is low in comparison to Western prices. For a consultation with a doctor at a local clinic, you can expect to pay in the region of 500,000+ IDR ($31 USD). Further tests, laboratory costs, treatment fees, and prescription costs will be added to the bill. Expect rates to be higher at tourist-facing hospitals such as BIMC and Siloam . Ultimately, if you require emergency treatment in Bali, medical attention is going to get pricey without insurance or medical coverage.

Check out if your Bali travel insurance policy has a tie-in with a particular hospital or clinic whereby they can bill your insurance provider directly. Otherwise, keep your receipts to be reimbursed.

Crime in Bali

Bali is a peaceful island that is, on the whole, safe for tourists . The region ranked 133rd in a recent survey from Numbeo, with a criminality index of 47.66. Compare this to Caracas, which came top of the crime list with a score of 84.92!

While violent crime is low, sexual assaults and drink spiking are, sadly, all-too-common in Bali. Female travellers need to exercise much more caution, especially when walking alone, or even riding scooters.

The one thing Bali is notorious for is drive-by bag snatches. First-time visitors and digital nomads: you’re very likely to find yourself in the hippy-go-lucky Canggu . When heading out for a night on the Bintang, ensure you hide your money and smartphone! If partying is high on the agenda, all the more reason to consider travel insurance for Bali. Thieves prey on their victims as they leave beachside bars and target pedestrians as well as those driving their own wheels.

In a similar vein, never, ever, leave valuables in your Scoopy while you hit the surf. Lock them away at your hostel and keep essentials on your person. Consider adding valuables insurance to your coverage.

Scams are relatively common. There is a notorious ‘ taxi mafia ’ who block the usage of taxi apps Grab and Gojek (Indonesian Uber!). Tourists have reported ordering a ride and then seeing local drivers violently assault drivers. Basically, as far as crime goes in Bali, you just need to keep your wits about you.

Issues Facing Travellers in Bali

Besides falling in love and never wanting to leave, there are a few other issues facing travellers visiting Bali. These are where your fancy travel insurance can help you out. As a tropical, humid destination, you’re bound to run into Bali’s mosquitos bringing risk of dengue. In extreme cases, this requires a mini-break in a ward.

You’ve also got to stay clear of the monkeys, which can be particularly aggressive in Ubud. Don’t be fooled by those cute little faces!

Meanwhile, two active volcanoes bubble away in Bali – Mount Agung and Mount Batur. Agung is the one you need to keep an eye on; it’s made a few headlines over the past few years by spewing up lava. Indonesia is known for jolting its tourists with earthquakes on an ad hoc basis. Recently a 6.3 magnitude tremor earthquake was reported in Bali.

Both volcanoes and earthquakes can trigger tsunamis. Basically, what we are trying to say, when you are shopping around for the best travel insurance for Bali, you may want to tick that natural disaster box!

If you plan on hopping on a motorbike in Bali, this is where travel insurance is going to sound super sexy. Police reported that Indonesian motor accidents take around 30,000 lives per year! Back in 2015, a total of 1,492 traffic accidents across Bali occurred. More often than not, tourists are involved, and as Go Fund Me testifies, those tourists often don’t have an insurance plan.. Don’t be that person.

We can’t stress the value of travel insurance in Bali enough if you are planning on driving or riding pillion. Also, ensure that you have the correct license and double-check the small print – at least twice. And never ride without rocking a helmet.

Common Activities in Bali

  • Surfing – This small island is packed with awesome things to do ! First and foremost, Bali is a surfer’s island. It goes without saying that surfing carries its fair share of risks – and we’re not just referring to how addictive it is. Keeping the watery theme going, Bali is popular with divers and snorkellers. Scuba diving is usually insured to a certain depth, but you’ll need to check the terms on your travel insurance for clarity.
  • Yoga – Another popular holiday activity for Bali is ducking into a yoga retreat. You can barely walk through the island for the number of downward dogs and warriors – kinda . Obviously, a yoga holiday in Bali  isn’t too high risk, but if you get a bit too eager with that backbend, well, you might want some cover.
  • Driving a motorbike is ubiquitous in Bali. If we didn’t terrify you in the previous passage, it’s something you’ll definitely want to look into. There’s no better way to discover this little slice of tropical heaven (and dodge the selfie sticks).

Not all companies will cover these activities by default, so do browse with care and remember that the cheapest Bali travel insurance might not offer the best protection.

packable travel medical kit

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

Final thoughts on the safety of Bali

As a rule, most travel insurance for Bali will include the following;

Emergency Accident & Sickness Medical Expenses

Baggage and personal property.

  • Emergency Evacuation and Repatriation

Non-Medical Emergency Evacuation

Trip cancellation, trip interruption.

These are key terms to look out for when comparing insurance policies.

Let’s take a closer look at what each one of these actually means.

The headline for most travel insurance policies is emergency medical costs. If you are in a car crash or come down with meningitis, you want to rest easy knowing that any ensuing medical costs will be taken care of.

In case you have never seen a medical bill, let us assure you that they CAN be expensive. A member of our team once racked up costs of $10,000 in Costa Rica and then a nasty infection in Thailand cost him $2,000.00 for just 2 days in the hospital. Ouch.

Pre-existing medical and health conditions may not be covered or may come at an additional premium.

Ideally, Emergency Accident & Sickness Medical insurance should offer at least $100,000.00 of coverage.

Baggage and Personal Stuff coverage covers the value of your personal property. It’s most common application is for lost luggage and many policies also extend this to cover “on the ground” theft.

The limits on this vary between policies but rarely exceed $1000 with a maximum item value between usually up to $500.

This is fine for many travellers but if you travel with a lot of electrical gear (laptop & camera), you may also wish to think about taking out a separate gadget cover.

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Emergency MedicalEvacuation and Repatriation

Emergency medical evacuation covers the cost of sending you back to your home country in a sickbed. Let’s say that the above-mentioned car crash is a nasty one and the decision is taken to send you home for further treatment; this will take care of the high, associated costs.

Repatriation is the cost of sending your earthly remains home in the tragic event you die overseas. The costs of this are generally huge, and it is not a burden I would want to leave to my family. Whilst this is rare, every now and then I do come across a Facebook or “Go Fund Me” page for somebody’s body to be flown home.

Non-medical Emergency Evacuation is when you have to be evacuated from your destination because of some unexpected crisis. Classic examples are outbreaks of war/civil unrest and earthquakes that decimate infrastructure. In recent times, the Corona COVID-19 outbreak created the biggest international emergency evacuation situation ever. (FYI – it straddled both the medical and non-medical evacuation boundaries).

Emergency evac insurance covers the costs of having to book a last-minute flight ( which can be expensive) and will also cover accommodation costs if you end up being flown to a random, “safe” country rather than going straight home.

Being forced to cancel a trip you were looking forward to sucks. But being left out of pocket just rubs salt into that festering wound. Trip Cancellation cover can help you recover non-refundable costs such as booked flights and hotel costs.

Note that you can’t claim under this simply because you changed your mind or broke up with your boyfriend. Acceptable cancellation reasons are things like sickness, family emergencies, bereavement, natural disaster, pandemics and war – you get the gist.

Trip Interruption is when something goes wrong with a part of your trip leaving you out of pocket. For example, when your hotel burns down and you are forced to book another one. Or when your flight home is canceled and you need a few extra nights at your hotel. These are just a few examples of when you may need to reply on trip interruption.

safety bali temples on the lake

Anything Else?

The above is what we consider to be the basic, bare-bones of travel insurance. However, some policies do offer a few more aspects and the best Bali travel insurances may also offer the following;

Adventure Sports and Activities

Note that some travel insurance options do not cover adventure sports and activities. The definition of adventure sports and activities does vary between providers but for example, can include;

  • Paragliding
  • Soccer practice….

If you are even considering doing anything physical or outdoorsy on your trip, it is wise to check that your insurance provider is covering it. Broken ankles hurt enough without having a $5k Doctors bill attached to them.

Accidental Death and Dismemberment

This one doesn’t cover any travel-related expenses but instead it basically provides you, or your family with some compensation in the event that something awful happens to you. If you die, your loved ones get a payout. Or, if you lose a finger or something, YOU get a payout.

It’s like having a bit of life cover attached to your travel insurance. I know that not everybody is altogether comfortable with the concept of pay-outs for life & limb – I guess it kind of goes something like this;

“Well dear, I’m afraid there is good new and bad news. The bad news is that our beloved son little Jimmy died on his trip to Bali. The good news is that we get $10k! Bali here WE come!”

Gear and Electronics Cover

Some insurance policies cover electronic gadgets, and some don’t. Those that do, may charge an additional fee, and they generally limit the maximum item value. If you only travel with a phone or tablet, your travel insurer may well cover it entirely. On the other hand, if you are traveling with a decent laptop then you may wish to consider obtaining gadget cover.

I have personally had gadget cover on my MacBook Pro for years.

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A new country, a new contract, a new piece of plastic – booooring. Instead, buy an eSIM!

An eSIM works just like an app: you buy it, you download it, and BOOM! You’re connected the minute you land. It’s that easy.

Is your phone eSIM ready? Read about how e-Sims work or click below to see one of the top eSIM providers on the market and  ditch the plastic .

tips to save money in Bali

It is fair to say that not all insurers are created equal. Some offer lower prices than others, and others offer more comprehensive cover. Some are notorious for shirking cover, whilst others are applauded for their excellent customer service .

Travel insurers are all the same yet always different, and it is absolutely not the case that anyone of them is the best, or is “better” than the others. Insurance is a complex product which takes into account a whole lot of data and a wide set of variables. The “best” travel insurance always depends on where you are going, when you are going there and ultimately upon you and your needs.

Below, we will introduce a few of the many travel insurance providers on offer. These are firms we have used ourselves over the years.

SafetyWing is a very interesting travel insurance company. They specialise in covering digital nomads and offer open-ended cover on a monthly subscription basis. Note that because they are primarily covering digital nomads, they don’t offer much in the way of trip cancellation or delay.

They do however excel on health insurance, covering dental and some complimentary treatments, and they even allow young children to be covered for free. If cancellation and delay is not a concern for you, or you will be spending some considerable time on your trip, then maybe SafetyWing are right for you.

  • Emergency Accident & Sickness Medical Expenses – $250,000
  • Baggage and Personal Property – $3000
  • Emergency Evacuation and Repatriation – $100,000
  • Non-Medical Emergency Evacuation – $10,000
  • Trip Cancellation -$0
  • Trip Interruption – $5000

If you need more information or want to get a quote, then you can visit the website for yourself.

Talk about efficient and effective, Heymondo are up-to-date when it comes to combining travel insurance with technology in the digital world of 2022. What truly sets them apart is their assistance app offering a 24-hour medical chat, free emergency assistance calls and incident management. How reassuring is that?! They also have a convenient and complication-free way to make a claim straight from your phone.

Medical expenses are covered up to $10,000,000 USD so try not to damage yourself anything over that amount… If you’d like travel insurance that operates with that little extra swiftness and ease, give these guys a go. They offer multiple options – single trip, annual multi-trip and long stay. We’ve focused on single trip, but do check out the others and find what fits your next adventure.

  • Emergency Accident & Sickness Medical/Dental Expenses –$10,000,000 USD
  • Baggage and Personal Property – $2,500 USD
  • Repatriation and Early Return – $500,000 USD
  • Non-Medical Emergency Evacuation – $10,000 USD
  • Trip Cancellation – $7,000 USD
  • Trip Disruption – $1,500 USD
  • Covid 19 coverage included in all plans

If you need more convincing, click the link below to get 5% off your Heymondo travel insurance plan!

World Nomads

World Nomads have been supporting and encouraging travellers to explore their boundaries since 2002. Designed by travellers for travellers, they offer simple and flexible travel insurance covering multiple countries and a lot of adventure activities.

If you leave home without travel insurance or your policy runs out, you can buy or extend while on the road.

World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.

Columbus Direct

Named after one of history’s greatest (and most divisive explorers), Columbus Direct also specialise in insuring adventure-hungry explorers like us. They have been providing award-winning insurance for 30 years. What we like about this plan is that it does cover small amounts of personal cash. However, Gadget Cover is not available.

Columbus Direct actually offers a number of different travel insurance plans. Below we have focused on 1 of these, and have set out the coverage amounts for the Globetrotter plan.

  • Emergency Accident & Sickness Medical Expenses – $1,000,000
  • Baggage and Personal Property – $750
  • Emergency Evacuation and Repatriation – $1,000,000
  • Non-Medical Emergency Evacuation – $0
  • Trip Cancellation -$1,000
  • Trip Interruption  (“Catastrophe”) – $750

Iati Seguros

Iati Seguros is a Spanish based travel insurance company who we have personally used and loved. You will notice that they provide competitive cover amounts for the key travel insurance areas, and are competitively priced. So far we have heard nothing but good things about them.

They also offer multiple options, but we have focused on the Standard Plan. Although, we wholly encourage checking out all plans for yourself to identify the best one for your needs.

  • Emergency Accident & Sickness Medical Expenses – $200,000
  • Baggage and Personal Property – $1000
  • Emergency Evacuation and Repatriation – 100% of cost
  • Trip Cancellation -$1,500
  • Trip Interruption  – 100% of cost

Insure My Equipment

Insuremyequipment.com is an online insurer for expensive equipment (like camera gear). You can get specific pieces of gear insured so you know exactly what will be covered. Note that this policy is for your gear only!

An Insure My Equipment policy works well in combination with other travel insurance. Insure My Equipment policies are an excellent choice for professionals and backpackers with more than $3000-$4000 worth of camera equipment or expensive laptops.

Bali in Summer

Choosing the right travel insurance for your Bali holiday is like choosing underwear, only you know what feels good. You need to work out how much your trip is worth, how much equipment you plan to take and what activities you intend to engage in.

And of course, you need to ask yourself how much can you afford – how much you can afford to pay for cover, and how much you can afford to be out of pocket in the unlikely event of a claim.

Sometimes, the cheapest Bali travel insurance will be enough, and sometimes it will be worth spending a bit more. Hopefully, the information provided in this post will help you to decide – if not, then I just wasted 5 hours of my life in writing it!

Is Bali Safe? Bali Backpacking Guide

Is Bali Expensive? Where To Stay in Bali

There you have it – your guide to travel insurance for visitors to Bali in a nutshell. Well done for persevering; you’ve earned yourself your first Bintang at Old Man’s!

Now that’s done and dusted, don’t forget that Bali is one of only 17,000+ islands in the breathtaking nation of Indonesia. We’ve written heaps of insider guides to Bali and its neighbouring islands, including where to stay in Bali and the best things to do in Bali. Off you go to plan your legendary trip!

the best travel insurance for bali

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Aiden Freeborn

Aiden Freeborn

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Is it true we need to have at least $25,000 in travel insurance coverage for Covid related expenses? I thought that was a condition of entry at the moment?

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Bali Holiday Secrets

Best Travel Insurance for Bali

updated October 8, 2022, 5:32 pm 34.1k Views 2 Comments

I’ve been travelling almost constantly for over 30 years, and if there is one thing I am grateful for it’s comprehensive travel insurance. I’ve used several different companies and a range of policies and the best travel insurance for Bali , in my experience, is Global Nomads. I’ve used their policies for the past 5 years and after making several stress-free claims I’m convinced it’s the best policy on the market.

Is travel insurance worth it?

There’s a saying “if you can’t afford travel insurance then you can’t afford to travel”. It’s true. I’ve had friends and fellow travellers regale me with stories of thinking medical treatment is cheap, especially in a place like Bali, when they strike medical issues.

I can tell you from first-hand, hard-earned experience that travelling without insurance is like playing Russian Roulette. You probably won’t need it , but if something goes wrong having it means being able to access the insurer’s global network of expert assistance and health providers 24 hours a day.

Buy travel insurance online.

There are many insurance policies you can buy online, but to my knowledge Global Nomads is one of the only (if not the only) company where I can buy online even when travelling while away from my home country.

Most insurance providers will only allow purchasing a policy from within your home country , which isn’t much use when your travel plans change or you are travelling for an extended period of time.

You can complete any claims simply and easily online from wherever you are and Global Nomads policies are available to people from over 130 countries. It’s designed for travellers with cover for overseas medical, evacuation, baggage and more.

Buy coverage for only the countries you are travelling to.

One of the best features is being able to buy coverage for the specific countries you are travelling to. This is a huge feature as the premiums will change significantly if you apply for a select set of countries, as opposed to buying blanket coverage, which by definition will be more expensive.

Flexible coverage for changes on the go.

One of the other features I really like is the ability to update my policy while on the go to account for a change in itinerary and include more countries should my travel aspirations get bigger – which they often do 🙂

Insure for adventure activities.

From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, WorldNomads.com covers a range of adventure activities, giving you peace of mind to get the most from your travels.

Get an instant quote.

Another thing about travel insurance for Bali or elsewhere is that Global Nomads only needs your intended list of countries, home country, travel dates and age. That’s it. Use this quote form to generate an instant quote for your holiday.

Cheaper than airlines.

You will most likely have seen the checkbox while booking airfares with your airline selling travel insurance. This is a great earner for the airlines, and by definition is more expensive than buying directly because they make a margin on the sale of your policy.

hi there loved your tips but it won’t let me get a quote, input details, saying iv”e not entered details, tried several times. thank

Hi Lyn, I just checked the quote form from my laptop and also mobile and it works fine. Did you fill in the countries you are travelling to?

Safe travels, Michael

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the best travel insurance for bali

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Written by Aisha Ria Ginanti • August 15, 2023 • • Travel Tips • 3 Comments

Bali Travel Insurance: Everything You Need to Know

bali travel insurance, Bali Travel Insurance: Everything You Need to Know

When embarking on a journey to the enchanting island of Bali, the allure of pristine beaches , lush landscapes, and vibrant culture can easily overshadow the importance of ensuring your safety and well-being during your travels. This is where Bali travel insurance comes into play. 

Whether you’re a seasoned traveller or a first-time visitor, understanding the significance of travel insurance for your Bali adventure is paramount. In this comprehensive guide, we delve into everything you need to know about Bali travel insurance, from its benefits to the coverage options that will safeguard your trip from unexpected setbacks.

Table of Contents

Why is it important to have Bali travel insurance?

Benefits of bali travel insurance, what type of insurance do you need for bali, how to choose the best travel insurance, what travel insurance won’t cover, here’s everything you need to know about bali travel insurance for a safe holiday.

bali travel insurance, Bali Travel Insurance: Everything You Need to Know

Bali travel insurance is your safety net in the face of unforeseen circumstances that might disrupt your travel plans. While you may have meticulously planned your itinerary, there are elements beyond your control, such as flight cancellations, medical emergencies, or even the loss of personal belongings. 

These situations can quickly turn your dream vacation into a nightmare. Bali travel insurance steps in to alleviate these worries, providing you with financial protection and peace of mind so you can focus on soaking in the island’s breathtaking beauty.

  • Trip Cancellation or Interruption Coverage : Life is unpredictable, and sometimes you might need to cancel or cut short your trip due to emergencies. Bali travel insurance covers non-refundable expenses, ensuring you don’t bear the financial burden of missed flights or accommodations.
  • Medical Expenses Coverage: Falling ill or facing a medical emergency in a foreign land can be overwhelming. With Bali travel insurance, your medical expenses, hospital stays, and emergency medical evacuations are taken care of, allowing you to receive the best possible care without the added stress of exorbitant bills.
  • Lost Baggage and Personal Belongings : Misplaced or lost luggage can be a major inconvenience, but travel insurance for Bali offers coverage to replace your belongings, making sure you’re not left without essentials during your stay.
  • Travel Delay Coverage: Flight delays are not uncommon, and they can disrupt your plans and lead to additional expenses. Travel insurance compensates for these delays by covering accommodation and meals until you can resume your journey.
  • Emergency Assistance: Navigating a foreign country during an emergency can be daunting. Bali travel insurance provides 24/7 emergency assistance services, offering guidance and support when you need it the most.

bali travel insurance, Bali Travel Insurance: Everything You Need to Know

Just like any other type of travel insurance, there are two types of travel insurance when you’re on a trip to Bali.

  • Basic Travel Insurance

The basic level of travel insurance is mainly focused on taking care of your health needs when you’re abroad. It covers things like emergency medical expenses, your stuff, personal responsibility, and other important stuff. It’s usually the most affordable choice and works well if you’re watching your wallet or going on a single trip.

  • Comprehensive travel insurance

With this kind of insurance, you get bigger coverage for important things like medical expenses, your belongings, being responsible for things, and so on. Plus, it goes the extra mile and covers other things like if your travel plans get messed up, if you need to rent a car, if there’s an issue you lose your important stuff like your passport or credit cards , or even in unusual situations like a hijacking. It also looks out for you in the event of a disability or an unfortunate accident.

There are a bunch of travel insurance companies out there offering awesome coverage. Just make sure to think about what matters most to you and pick the Bali travel insurance that fits you like a glove.

Here are some recommendations for Bali travel insurance that you can consider.

Disclaimer: All the prices below are based on the writer’s simulation (age 30 and travel on September 20, 2023, with an excess of AUD200 for the insurance).

There are three types of insurance they offer:

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  • Medical Only: AUD34.43
  • Basic: AUD56.09
  • Comprehensive: AUD63.42

Website: https://www.zoomtravelinsurance.com.au/ 

  • International Basic: AUD40.00
  • International Comprehensive: AUD48.00
  • International Comprehensive+: AUD60.00

Website: https://www.covermore.com.au/ 

  • Southern Cross Travel Insurance
  • International Medical: AUD52.19
  • Single Trip: AUD73.95
  • Annual Multi-Trip: AUD372.21

Website: www.scti.com.au 

There are two types of insurance they offer:

  • Medical Only: AUD54.44
  • Comprehensive: AUD70.16

Website: https://www.1cover.com.au/ 

  • Basic: AUD60.50
  • Comprehensive: AUD87.90
  • Multi-Trip: AUD450.43

Website: https://travel.allianz.com.au/ 

Actually, there are many more Bali travel insurance options for you, which you can choose based on your needs and budget. But what must be remembered is the importance of having travel insurance if you want to vacation abroad.

You don’t want it, do you, if something happens in someone else’s country and you don’t have enough funds for treatment or just compensation for lost goods? If you have a budget for travelling, make sure you include a budget for travel insurance as well.

bali travel insurance, Bali Travel Insurance: Everything You Need to Know

This is the most important thing that YOU MUST KNOW about travel insurance, that is, your insurance claim will not be enforced if the following things happen.

  • Going Against the Rules: If you find yourself hurt while doing something against the law, like riding a motorcycle without the proper helmet, your insurance might not cover your hospital bills.
  • Partying Too Hard: Your insurance might not help if you get into trouble because of too much partying or using illegal drugs, which is a no-go in Bali. Some folks from Australia have gotten into serious trouble recently for these kinds of things.
  • Choosing Unsafe Spots: It’s a good idea to follow the advice about where to go. If you go to places that are marked as not safe, your insurance coverage might not hold up.
  • Being a disrespectful visitor: If you don’t follow the local rules, like not climbing sacred trees, causing a mess, being aggressive, or taking inappropriate photos, your insurance might not cover situations where you’re responsible for something bad happening.
  • Dealing with Health Stuff: If you have any serious health issues and you didn’t let the insurance company know about them before getting the policy, they might not help if something goes wrong related to those issues.

In the grand tapestry of your Bali adventure, travel insurance is the sturdy thread that weaves together a safety net, ensuring you’re well protected against the unexpected. From its invaluable benefits to the array of coverage options, Bali travel insurance is your key to unlocking a worry-free and exhilarating exploration of this tropical paradise.

As you plan your journey to Bali, remember that while you immerse yourself in its beauty and culture, having comprehensive travel insurance is the ultimate testament to responsible and mindful travel. Embrace the wonders of Bali with open arms and a heart full of excitement, knowing that you’ve taken the necessary steps to safeguard your journey of a lifetime.

bali belly, Bali Belly: How to Avoid and Deal with It

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The Best Bali Travel Insurance Policies: The Guide for 2024

Going on a Swing? You need Bali travel insurance!

Going on a Bali swing? You need travel insurance…

Short on time? Just want to get to the bottom line?

We created this article to be one of the most comprehensive on the web, so it’s long. Stick with us—the advice is comprehensive.

But if you know you need insurance and just want to get it sorted, then...

Click through now for a free quote:

Overall Best Choice : Heymondo ( save 5% with this link!)

Best Single / Adventure / Digital Nomads : Heymondo

Best Family : Heymondo

Best Budget : SafetyWing (but also get a quote from Heymondo just to compare and be fully informed)

Best for comparing multiple policies : Travel Insurance Master

Table of Contents Show

Best Bali Travel Insurance: Introduction

Buying Bali travel insurance might seem like a daunting process. Or just boring.

However, by the end of this article, you will know exactly which why insurance for Bali is so important, what policy inclusions you need and where to get Bali travel insurance sorted in a few clicks.

Bali travel insurance is an essential part of your trip (like that other essential, the Bali Visa ) as it will protect you from hideous expenses and give you the peace of mind of a team of people who are behind you should an emergency arise.

Will you need it?

A study by the Australian Government's Smartraveller found that 1 in 4 travellers claimed on their travel insurance in the 2018-19 year (before COVID stopped travel) - that's over 300,000 claims and 90% were paid out. Wow.

Bali Travel Tips

Protecting Your Digital Identity in Bali

Do we benefit by telling you that you need Bali travel insurance?

If you go to Bali without travel insurance you are being a monkey!

Bali without insurance? Monkey business!

We are not recommending you get travel insurance just because we might benefit if you support our work by following a link in this article (but thank you!).

All the consumer and government advice worldwide agrees that everyone going overseas to a place like Bali should consider travel insurance a must-have , and you can get it from your travel agent, online, or through your airline (the most expensive ways), or you can go online or use our recommendation (and that helps us create more content).

For anyone who has had an accident on the island of the gods, or fallen ill, the lack of Bali travel insurance can be truly devastating. And the truth is, medical care on the islands is expensive, and if the illness is serious, they simply don't have the facilities to care for you there, and you will need to be evacuated, and the bill for that will be astronomical.

Best things to do in Bali: The Epic Experiences List for 2024!

Is travel insurance mandatory for Bali and Lombok?

Does Bali travel insurance cover riding motorcycle? It depends...

No jacket, short pants, just flip flops? We hope he has travel insurance.

It is not mandatory to have travel insurance to enter Indonesia, including Bali and Lombok.

However, it is highly recommended to purchase travel insurance when travelling through the country as a medical expense bill can be devastating :

- A small injury involving a few stitches could easily cost you $2,000.

- A medivac from Bali to Australia can cost between $30,000 and $40,000 depending on the medical facility.

- A Bali travel insurance policy for 7 days is likely to cost less than $50 dollars .

The comfort of having a travel insurance help desk 24/7 on the end of the phone will be reassuring if you have an emergency. They will have your back.

What kind of travel insurance do you need for Bali, Ubud, Lombok?

To decide the level of coverage you need, it helps to understand the risks so you can ensure these are included in your policy and also not pay for coverage you do not need.

What are the common sickness and health issues in Bali?

The islands hold a range of health risks due to its tropical climate, poor infrastructure, wild roads and the fact tourists are seen as the financial solution to any accident (you will be blamed, regardless of the truth).

Sure, there are the obvious like motorcycle accidents, surfing accidents and general travel accidents, but even an infected coral cut, bite in a monkey forest, walking the uneven, pot-holed streets or slipping down a waterfall pathway are obvious risks. It is also important to be aware of the risk of food poisoning and bacterial infections caused by contaminated water and foods.

Should you worry about Malaria and Dengue Fever in Bali?

Malaria is present in rural parts of the islands, and travellers should be vigilant about taking precautions to avoid mosquito bites. Dengue Fever is another health concern for travellers to Bali. There is no treatment or vaccination for Dengue Fever, so travelers are at risk of catching it and eventually developing severe symptoms.

Is Bali healthcare expensive?

When you are admitted to hospital emergency it's too late to get insurance

When it’s a medical emergency, you want travel insurance to pick up the bill, not you.

Hospitals in Bali are generally much more expensive for tourists compared to locals (and medical is not free in Indonesia, even for locals). The quality of medical cover and healthcare can be quite basic, particularly if you're seeking advanced treatment or surgery. This is why you should always travel with health cover that covers medical evacuation and coverage for treatment costs. Understand that the majority of travellers do have Bali travel insurance , so hospitals charge accordingly and if you are the bunny without cover you still pay the high price regardless.

Why Bali travel insurance is important for seniors

Travelling to Bali can be a beautiful and exciting experience for seniors, but it can also be a potentially risky one. To protect against accidents and medical expenses, senior citizens must consider purchasing Bali travel cover. This must cover expenses in the case of an emergency, including evacuation. No senior should go to Bali without insurance.

What should Bali travel insurance cover?

When choosing your policy, it’s important to decide what coverage you are going to need because policies differ in their inclusions. Also, the price of a policy can change with optional inclusions.

Six things Bali travel insurance should cover

Emergency medical expenses, including medical evacuation costs;

Baggage and personal property is important to cover you for loss, delay and theft;

Cancellation and trip interruption should also be covered under the plan;

Sports and activities add-ons provide coverage for sports and activities. For example, most policies regard the very innocent-sounding activity of snorkeling as a high risk activity;

Some policies also offer additional benefits such as personal accident and liability coverage , accommodation cover, and legal expenses .

Finally, read the plan's terms carefully, as some may exclude certain medical expenses , include coverage limits, or exclude certain pre-existing medical conditions .

What Bali travel insurance probably won’t cover is Identity Theft

Identity theft, hacking, and viruses are all big problems in Bali, and they are usually not covered by travel insurance. That is why it is important to protect your digital identity with an app that protects your digital identity and your devices.

Is emergency medical evacuation and repatriation important?

Medical evacuation and repatriation coverage is critical to cover medical and transport expenses if the traveler requires transfer to another country (typically Singapore, Australia, or your home country) for urgent medical care. Often, this coverage will include your partner or family member to accompany you.

Should I have non-medical emergency evacuation?

Non-medical evacuation coverage can include expenses related to emergency evacuation, such as transportation and travel-related expenses. This can include medical expenses, if necessary.

Is baggage and personal property cover important?

If you go to the Gilis or Lombok your luggage will ride in an open wooden boat - so you need insurance!

You did not know your luggage was going to be transferred like this, and you can’t back out now. Tick for insurance.

All policies typically cover items such as luggage, personal effects, cameras, spectacles, and computers. The coverage can be customized to include additional items such as a GoPro camera or a drone.

If your airline loses your baggage or your Gilli Islands transfer boat hits a wave, the cost of buying a new set of clothes can be eye-watering, and you won't be able to avoid the expense. Get covered, and your new wardrobe (and equipment) is covered, up to the value of your policy.

Trip Cancellation

Trip cancellation cover protects you from losing out on prepaid, non-refundable trip expenses due to unexpected emergencies. It is important to note that trip cancellation insurance is different to insurance that covers expenses related to delays or missed flights.

Canceling your Bali trip for health reasons

Canceling your trip to Bali for health reasons can be covered under travel policies. In order to reimburse you for any non-refundable and prepaid expenses, such as expenses paid for accommodation, transportation, and medical expenses, travel policies typically include coverage for cancellation costs.

Canceling your Bali vacation trip because of extreme weather

Trip cancellation cover can provide financial protection in the event of extreme weather while on a trip. This type of cover protects travelers against the cost of canceling a trip due to inclement weather. It also reimburses travelers if a trip is delayed or canceled due to inclement weather.

Cancelling your trip due to Volcano activity

When the next volcano errupts, you absolutely want to have travel insurance!

Volcanos will puff, travel will stop. Be covered.

A travel insurance plan can provide coverage for trip cancellation fees as well as expenses incurred if you need to cancel your trip due to volcanic activity or volcanic ash. If a natural disaster takes place before your trip, trip cancellation benefits may not apply.

Trip interruption

Trip interruption insurance can provide travelers with coverage if an unexpected emergency causes them to cancel their trip with little notice. This type of travel cover can reimburse travelers for non-refundable expenses such as airfare, hotel stays, and tours that may have been planned for their trip.

Treating travellers Bali Belly

Bali Belly, also known as indigestion or travel-induced stomach pain, is a common health issue that can occur during travel to Bali. Many plans include a 24-hour emergency medical helpline. This can be critical if you are suffering from Bali belly and need medical attention or advice even in the middle of the night (inevitable, right?).

Tip: We have a special article What is Bali Belly? A Guide to Causes, Symptoms &Treatment which will share with you essential steps to prepare yourself before your trip and protect yourself from Bali belly whilst in Bali.

Adventure sports and activities

Snorkelling is an adventure sport, not having insurance is unwise

Yup, even snorkeling is an adventure sport.

Bali is known for its adventure activities, including surfing . But did you know most policies consider snorkeling an adventure sport ? Getting on a swing can also be regarded as an adventure sport, as is rafting or cycling tours . If you plan on taking part in any of these activities, make sure your travel policy covers you.

Riding motorbikes and scooters

Riding motorbikes and scooters in Bali is a common activity (even if just as a passenger on a Gojek), so it's essential to check what's covered under travel insurance policies. Many policies will not cover you unless you have a motorcycle license in your home country and you wear safety gear whilst riding. Check the policy carefully.

Accidental death and dismemberment

Accidental death and dismemberment coverage can help ensure that families are financially prepared for such a tragic event. A comprehensive travel insurance plan for Bali would provide comprehensive coverage for these expenses.

Baggage loss and theft coverage

If you are traveling to Bali, be sure to keep travel insurance coverage for baggage loss in mind. Lost or damaged luggage is a common concern when traveling, and insurance can help offset the costs associated with replacing lost items.

Gear and electronics cover

Get your gear covered, theft, damage, harsh climate and accidents can all happen

Put your gear in the frame when buying Bali travel insurance

It is important to check the policy's coverage for electronics and other gear before traveling to Bali as these items may not be covered by the insurance plan unless specified (meaning you list them when taking out the policy). If electronics and other gear are included in the coverage, read the policy to understand any excess and depreciation rules (meaning they may pay you a reduced value for older equipment).

Medical insurance for investors, digital nomads, and remote workers

If you’re traveling the world as a digital nomad or remote worker, it’s vital you have travel insurance to protect yourself from any potential risks. Digital Nomads are highly likely to rent a motorcycle and certainly be a passenger on one often. And as a digital nomad, Indonesians see you as being 'on business' so they will look to you to pay in the case of any accident even if it is not your fault.

Investors and business people visiting Bali should make sure they have travel cover and make sure it covers business trips. It is crucial that travellers understand all the terms and conditions of their insurance policy before purchasing it and ensure they receive comprehensive coverage for their trip.

How to choose the right Bali travel insurance for you

We have a simple formula to determine the right cover for you:

Add up your trip costs , equipment and think about the activities you will get into when deciding how much coverage to include in your policy. That ticks off the variable cost aspect of insurance.

Choose the maximum you can get for medical and evacuation - don't skimp on this part. Often the max cover is only a few buks more than standard.

You don't need more cover than your belongings are worth or the value you paid for your trip. You do need cover for most activities, even snorkelling. You do need the max cover you can get for medical and evacuation.

What is the best travel insurance for Bali?

Here is our selection of the best travel insurance for Bali available. As mentioned at the beginning of this article, we may receive a small commission if you take out a policy at no extra cost to you (in fact, some of our recommendations come with exclusive savings) and in turn, you and the insurance you choose are supporting our work, which is a win-win.

Want the Bottom Line?

Our bali travel insurance recommendations:, #1 - heymondo - if you ask us to give a general ‘best’ answer, we think heymondo is the best choice. it is reasonably priced ( use this link and get 5% off as well ), has the best coverage with zero excess, and an app with 24/7 live support. it also has a high trustpilot rating among consumers. click here for a quote.

#2 - SAFETYWING - If you are a budget traveler, budget family, or digital nomad, SafetyWing is the low cost, lower-coverage guy who will have your back in a big emergency. SafetyWing also has an excellent Trustpilot rating. Click here for a quote

#3 - TRAVEL INSURANCE MASTER - TIM offers a diverse array of plans and advantages from several top-notch global suppliers, consolidated on a single website for effortless comparison. Each journey is unique, and your travel insurance arrangement should reflect that fact.

If you want to know more about our reasons for this recommendation and some special cases where we would advise other choices, read on…

Our Recommendation of best travel health insurance Bali in depth:

We’ve reviewed a bunch and there are two main insurers we’ve checked out thoroughly and recommend you consider:

1. Heymondo

Heymondo has been around since 2016 and is baked by AXA, a world-leader in insurance. Their policies offer very high coverage amounts, and they have no excess or deductible, which means you can claim without paying the first X dollars yourself. They have plans for short trips, long-term travel and annual plans. They cover most activities and sports you’re likely to do on Bali and Lombok (except, for example, scuba diving, which requires an add-on, so check your activities closely to see if yours are covered). Also, they have an app with 24/7 doctor advice, free online calls, and claim reporting. We think this feature is huge... all you need is WiFi and you get help, even in the middle of the night.

Heymondo Trustpilot Rating : 4.4 from 1500+ reviews, 78% 5-star

Summary : High coverage, no excess, most activities covered and an app for quick help

Bonus : Use this link to get 5% discount thanks to Heymondo supporting small publishers like us and our readers

2. SafetyWing

SafetyWing is very popular among budget digital nomad travelers. They are a safe, solid company. They are cheaper because (1) they offer lower coverage amounts than others, and (2) they have a $250 excess. In other words, they could be a good choice if you just want to be covered for a major loss for a low premium and are happy to not claim for smaller medical or personal item losses. Our advice is that everyone must have travel insurance, so SafetyWing is the choice for those who feel bulletproof but just want to know that if they really go off the rails, they are covered.

SafetyWing Trustpilot Rating : 4.3 from 657 reviews, 78% 5-star

Summary : Cheap but absolutely reliable choice if you are okay with low coverage amounts and a $250 excess.

3. Travel insurance Master

Travel Insurance Master offers a diverse range of plans and benefits from top providers worldwide, all conveniently accessible on a single website for easy comparison. No journey is the same, and your travel insurance should reflect that.

The process is straightforward - input your unique trip and traveler information in three simple steps. The website will swiftly identify all available plans and present them side by side for easy comparison, suggesting the most valuable coverage. This recommendation is generated by Travel Insurance Master's advanced algorithm, which is continuously updated and enhanced to provide you with the best travel insurance options.

Even if you haven't fully paid for your trip yet, you can request a quote and safeguard your journey. In fact, it is advisable to purchase insurance soon after making a deposit for your trip, ideally on the same day or within a few days afterward. This is because insurance companies that cover pre-existing medical conditions will only do so if you acquire trip insurance within a specific time frame from the initial deposit, typically around ten days.

Summary : If you have the time, this is a great way to compare a variety of policies to find the right one for you.

Travel insurance recommendations for special needs:

Best bali travel insurance for young families.

For families that want solid coverage, go with Heymondo .

SafetyWing is a interesting choice for young families on a budget because they include 2 children under 10 (one per adult) free on your policy. That is pretty amazing when you think about it. Just bear in mind their policy has a $250 deductible and much lower coverage than Heymondo and that is one way they keep it affordable.

Best Bali travel insurance for adventurous people:

Heymondo gets the edge for us because of its high rating by its customers. Just make a list of your anticipated sports and activities and make sure they are included. They probably are, but just check.

Best Bali travel insurance if you want to ride a motorbike

Heymondo (for comprehensive cover) and SafetyWing (cheap). Note that you must have a motorcycle license in your home country and be prepared to wear safety gear when riding during your trip. You won't be covered if you answer “no” to either point.

Best cheap and affordable Indonesia travel insurance

SafetyWing is a value-based choice, as you will see if you compare rates. Note the $250 deductible, one reason why the rates are so cheap. To be covered on a motorcycle, you must have a motorcycle license in your home country and be wearing safety gear when riding on Bali and Lombok. But the policy covers all the other important things, like interruption, cancellation, natural disasters, and personal liability, and includes reasonable limits for the premium paid. Also note that Heymondo offers our readers 5% discount , which might be the bonus you need to go for the better coverage.

Best travel insurance for remote workers and digital nomads

Heymondo is still our favorite here. SafteyWing has a specifically named policy for remote workers and digital nomads. With Heymondo, you can only extend the long-stay policy, and you need to extend it 3 days before it expires.

Best travel health insurance Bali if you've left home already

Heymondo and SafetyWing are both brilliant here because they will let you take out the policy after you have left home. And you can extend while away as well (only the long term policy with Heymondo).

How to read your policy disclosure document (PDS)

Read your travel insurance policy before you leave home and keep the novels for the beach!

Read the novel on the beach. Read the policy document before you go.

Once you have used the links above to get a few quotes, take a moment to read the details of the cover for each of your choices. Here are a few tips to reading the policy disclosure documents (PDS) so you can focus on the important bits:

The table of benefits gives an overview of the coverage.

The policy cover section is crucial and often divided into 'what we will pay for' and 'what we won't pay for.'

General exclusions are important to review as they outline events that are not covered by any section of the policy.

Pre-existing conditions are essential to review, especially for those with medical conditions, no matter how minor, as they can remind you of any forgotten ailments.

The word definition table may contain surprises, making it a useful resource to clarify the meaning of terms like 'relative' or 'moped' or 'motorcycle'.

'How to make a claim' sections will share with you things like the need to avoid admitting fault or liability and the documentation required when making a claim, such as police reports.

Many policies have a specific section detailing COVID-19 coverage for medical, cancellation, and other related matters.

Write down and keep the 24-hour emergency assistance contact number in a handy place.

How much is travel insurance for Bali?

The above Bali travel insurance options all offer competitive pricing and have received excellent online reviews from travellers and we're confident you will find amongst these the best possible rate for the cover you require. If you need help choosing or just want a sounding board feel free to reach out to us and we can share any latest information and tips where we can. Just click the Whatsapp button floating bottom right of your screen.

Advantages of buying Bali travel insurance online

There are many benefits of buying travel medical insurance online. You can easily compare plan features, costs, and terms to find the best coverage for your trip. Moreover, insurance plans offer comprehensive medical coverage for short-term travel not available through traditional health insurance plans. Also, you can easily get insurance for your trip as there is no need to visit a travel agent or fill a lengthy medical questionnaire. Thus, buying Bali travel insurance online has become an essential part of travel planning today.

Recommended hospitals in Bali and Lombok

We do not receive or accept any benefit for the following recommendations - they are simply the best:

BIMC hospitals in Nusa Dua, Kuta/Denpasar and Ubud have been providing world-class medical facilities to tourists in Bali for many years. The hospital offers a wide range of healthcare services including surgeries, medical treatment, diagnostic tests, and health check-ups.

Siloam Private Hospitals offer excellent medical facilities to travelers in Bali. These private hospitals have world-class medical equipment and well-trained staffs who provide quality medical care to patients. You can get medical treatment at Prima Medika Hospital, Lombok International Hospital or Ganesha Medical Centre as per your choice.

Mataram General Hospital is the main public hospital in Lombok. This hospital provides medical services at reasonable costs and has specialty departments such as obstetrics and gynecology and emergency medical wards. You can visit this hospital if you are looking for quality medical care from top-notch doctors and specialists alike.

Recommended dentists in Bali

There are several recommended dentists in Bali, such as ARC Dental Clinic , Kuta Sunset Dental Seminyak and Uluwatu Dental Care .

Denpasar BIMC Dental Centre is also a great option. They provide quality dental care for both domestic and international patients. They offer wide range of dental treatment options, such as tooth extraction, crowns, and bridges. Besides, their treatment plan can be customized as per the needs of the patient.

Frequently Asked Questions

Is travel insurance necessary for bali.

Yes, travel insurance is necessary for Bali. Travel insurance can provide important coverage in case of unexpected events such as medical emergencies, lost luggage, trip cancellations, and more. It can also help protect you financially if you are faced with unexpected expenses or delays due to unforeseen circumstances.

Do I need special COVID-19 quarantine cover for Bali?

No. That entry requirement has now ended. Read more on the Welcome Back to bali official website

Is Bali travel insurance required by Indonesian law for visa entry?

No, travel insurance is not mandatory for your trip to Bali, however, it is highly recommended. Not only can medical expenses be high in an exotic destination like Bali, but even a medivac from Bali to Australia would cost up to $40,000! That's why Bali travel insurance can be a worthy investment when travelling abroad.

What kind of Bali travel insurance do I need for Indonesia?

Ensure that the insurance plan is comprehensive enough to cover all your valuable belongings, medical care expenses in an emergency, evacuation costs and travel delays. With the right insurance plan, you can enjoy a worry-free trip and focus on making the most of it!

Can I buy health insurance in Bali?

Yes, some online policies will allow you to buy after you have left home, but not all. Check our policy recommendation section where we tell you exactly which policies to go for in this case.

What should I do if there is a healthcare emergency in Bali?

In the event of an emergency in Bali, call for help as soon as possible. For medical emergencies dial 118 or +62 361 118, and for police-related emergencies dial 112 or +62 361 112. It is also advisable to save your accommodation host's number in your phone as they may be able to provide assistance if required. But most importantly, save your Bal travel insurances' Help Desk number in your phone and call them as soon as possible - they will help you get help, coordinate care and give you emergency triage advice over the phone whilst you wait or get to help.

Does Bali travel insurance cover for riding a scooter in Bali?

Yes, policies will cover this but it is usually an 'adventure' or 'sport' add on - but it is a must. You need this coverage even if you are just a passenger on a motorcycle 'taxi' like Gojek and it is very likely you will get on one at least a few times when on Bali and Lombok.

Does Bali travel insurance cover for Volcano in Bali?

Yes, coverage usually comes as an add-on to a standard policy that must be purchased separately. When it comes to hiking around active volcanoes in Bali, most policies will cover up to 4,500 meters of hiking which includes both Mount Batur and Mount Agung.

I am a citizen of India or Canada. Do I need Bali travel insurance?

Yes. Everyone visiting Bali should have travel insurance no matter where we come from. Even if you ride a motorcycle at home or are used to a range of rugged conditions, you can still get hurt and need medical assistance.

If I just stay in one place like Seminyak do I need Bali health insurance?

Yes. Even if you stay in one location you will still move around, go shopping, go to the beach and risk accident or injury.

How much is travel insurance to Bali? Is Indonesia travel insurance expensive?

Bali travel insurance is not expensive. For a single person for 7 days it can be around 50 dollars. For a family it can be less than a few meals out back at home. It is something you can buy well in advance of your trip to spread your trip costs out.

Welcome to Bali paradise, knowing you are insured

Paradise is waiting for you…see you on the beach!

Bali travel insurance is critical - do not leave home without it. Go for a comprehensive policy because when you really need it is when it is truly serious and you will want to be fully covered .

Whether you buy your Bali travel insurance through a travel agent or online, a small portion of premium will go to your travel agent or referral source. In supporting our work by using the links above you not only ensure you have the critical coverage you need but you are supporting independent publishing as well. So thank you and pat yourself on the back too because your trip will be fully secured and safe.

Suggested traveller resources

For Australians: Smartraveller

Also for Aussies (but worth a ready by everyone), the travel insurance information by Choice on Smartraveller

For India citizens - Travel Advisory

For UK Travellers - Health Travel Advice

For USA Travellers - State Departm e nt, Travel Advisory

Read More Travel Health Articles

Is Bali water safe to drink?

Is Bali water safe to drink? It’s an important question because contaminated water is one of the main causes of Bali Belly. We filter the facts and cover all the points about drinking safely in Bali.

Is Bali Belly contagious? We answer this critical question.

Is Bali Belly contagious? It’s the question that concerns most travelers to Bali, particularly when one person in a family or group gets it and worries if they can pass it on. We answer this question and give you guidelines to stay safe.

What to do when you get Bali Belly: 6 Step Action Plan

If you are starting to feel sick right now in Bali, you’re probably wondering what to do when you get Bali Belly . This article gives you a 6 Step Action Plan to swing into action and get on the road to recovery.

What is Bali Belly? A Guide to Causes, Symptoms & Treatment

Everything you have ever wanted to know about Bali Belly : what it is, what causes it, the symptoms, the vaccine against it, how you can treat it and even a shopping list for remedies to buy if you are hit. This is the ultimate guide to keeping you safe.

Does Bali Use Toilet Paper? Be Prepared With Our Toilet Tips

When planning a Bali trip, you might have come across the “toilet paper situation” rumors. Does Bali use toilet paper? Can you flush toilet paper? The answers are not that simple. This write-up will inform you whether all hotels and villas have it, where it's sold, if it can be flushed and when it's necessary to carry your own.

The Best Bali Travel Insurance Policies: The Guide for 2024

Get your Bali travel insurance sorted. You can’t risk it. You need insurance for Bali & Lombok. But don’t worry - we make it easy and link you up with the best plans worldwide.

Read More Baligram Travel Tip Articles

Bali's New Tourism Tax: Your Ultimate Guide for Your Next Trip

Discover everything you need to know about Bali's new tourism tax before your next visit to this tropical paradise.

Bali travel tips: The ultimate cheat sheet

Planning a trip to Bali? You’ll love this free Bali travel tips cheat sheet that hooks you up with answers to all your questions about your trip to Bali.

Why is Bali so popular?

Everyone from David Bowie to Christina Aguilera, Richard Branson to David Suzuki, Jamie Cullum to the most cheerful Aussie bogan has visited Bali. So why is Bali so popular? We take a look - and get inspiration for your own trip.

Why is Bali so cheap? Uncovering the Reasons Behind the Low Cost of Traveling to Bali.

Why is Bali so cheap? Low living costs, inexpensive labor, a wide range of accommodations, cultural customs, a vibrant tourism industry, few restrictions, and economic disparities are just some of the reasons Bali so cheap for tourists. Get the full story on how to travel cheaply to Bali.

What IDP is needed for Bali? To drive in Bali, you must have an International Drivers License Permit (IDP/IDL)

In Bali, regardless of your nationality, you must carry an International Drivers License Permit (IDL/IDP) if you intend to drive any motorized vehicle, whether it's a scooter, car, or motorcycle. You also need to carry your home country's driver’s license. This article gives you all the info and how to get one online.

Is Bali worth visiting? Bali as a holiday destination.

Is Bali worth visiting? We assess the pros and cons, allowing you to decide. No sugarcoating included. We tell you about the highlights, the downsides, and how to tailor your trip to ensure that if you take the long flight to Bali, you’ll have the most incredible time.

What plug do they use in Bali?

What plug do they use in Bali? This article tells you what plug Bali uses and whether you need an adapter. But it also tells you about the power supply difference because you may need an adapter if your home country's power supply is different from Bali's, even if you use the same plug as Bali. Don’t get caught not being able to charge your devices!

Do Bali power outlets use European plugs?

Bali uses European plugs in Bali power outlets , but Europeans may still require an adapter due to differing power supplies. This article provides all necessary information. We also cover US, Australian, and UK plugs and power supplies.

The currency of Bali - A guide to Bali money

Our guide to the currency of Bali will tell you all about Bali money - what it looks like, what it is made of, the best ways to use it and how to get your hands on it.

Want a cheap Bali flight with cashback? Check out WayAway.

Editorial Team Hi, I’m Simon St John , Baligram’s writer. I am a published Author of travel guide books and a Travel Writer. I have visited Bali more than 35 times over a 25-year period. I share my passion for Bali’s nature, culture, and adventure in this travel guide. I welcome your feedback and ideas! Read about Simon and about Baligram .

18 Best Things To Do in Bali: The Nature Lovers’ Bucket List

Where is bali located discover where is bali, indonesia..

The PolicyPal Blog

The PolicyPal Blog

Planning Your Bali Getaway? Check Out These Top Travel Insurance Plans

travel insurance

Soak in the sights of Bali while staying safe and sound with these best travel insurance options.

Bali stands out as a favourite among Indonesia’s thousands of islands, and it’s not hard to see why. From its alluring cultural scene that pays homage to cultural traditions like observing silence during Nyepi to idyllic beaches in Nusa Dua and Kuta, it feels like you’re stepping into a dream vacation paradise.

Although Bali’s a stone’s throw away as far as vacation spots go for Singaporeans, it pays to have sufficient travel insurance to cover your trip from unexpected circumstances that happen before, during, or after your trip.

This article covers the top travel insurance plans available to you to keep you safe while you melt your stress away.

Related Story: The Best Travel Insurance in Singapore for Families

Three ways to pick a travel insurance plan for your Bali escapade

the best travel insurance for bali

While COVID-19 coverage is a given when considering travel insurance coverage for Bali, there are other factors to take into account. Here are three factors you should think about before making your insurance purchase.

Does the travel insurance plan you’re choosing for Bali offer you ample travel coverage?

As your travel insurance is your safety net from sudden illnesses or injuries, lost luggage, trip cancellations and other unforeseen emergencies, it’s better to be safe than sorry and purchase sufficient coverage.

Healthcare costs, for example, can be a significant cost compared to the same treatment you’d receive in Singapore, as you’d be registered as a foreign patient. Compare travel insurance plans and pick one that suits your coverage needs best.

Is the premium affordable or beyond your budget?

With a suite of travel insurance plans available in Singapore, you have the freedom to pick. You still need to consider if the premiums are cost-friendly based on your destination and travel period. Some insurance companies offer a few tiers with varying price points and coverage — from basic to premium. Go for the right balance between travel insurance coverage and premium cost.

Think about the benefits table and add-ons specific to Bali

Given that Bali is susceptible to earthquakes and snatch thefts, you would want to ensure that you have sufficient coverage for yourself and your personal belongings while you’re there. Assess coverage sums for trip cancellations, flight delays, or trip postponements due to natural disasters, for instance.

You should also think about covering special activities, especially if you fall under the category of an adventure, nature, or beach enthusiast. Check out coverage sums for relatable activities like trekking, white water rafting, and scuba diving.

Compare Travel Insurance Plans

Related Story: What is Travel Insurance?

What are the best travel insurance plans for travelling from Singapore to Bali, Indonesia?

The table below can help you find the best match for your travel insurance needs. Discover each insurance plan’s critical coverage for your trip, including travel inconvenience, medical coverage, personal protection, and COVID-19 coverage.

At a glance

Related story: how to survive and thrive as a solo traveller, exploring bali and making the most out of your visit.

the best travel insurance for bali

Here are three things to focus on while you’re unwinding in Bali.

1. Cultural explorations

It goes without saying that Bali is well-known for its rich culture and traditions. Explore the island’s cultural treasures, including visiting ancient temples like Uluwatu Temple, Tanah Lot, and Besakih Temple.

Witness traditional seasonal dances like the Kecak dance of Uluwatu, the Legong dance of Ubud or the Barong dance in Batubulan. You can also take part in ceremonies like Galungang and Nyepi.

Find out more on Bali.com .

2. Nature and adventure

Bali’s natural landscapes are breathtaking, and there are several locations you should explore. Begin your adventure by visiting the lush rice terraces in Tegallalang and Jatiluwih for a taste of Bali’s verdant beauty. For pristine beaches, head to Kuta, Seminyak, and Nusa Dua for sunbathing and water sports. 

To witness the majesty of volcanic mountains, embark on a trek up Mount Batur or Mount Agung for sunrise views. Don’t miss the iconic water temples of Tirta Empul and Pura Ulun Danu Beratan, which are not only spiritually significant but also offer stunning natural surroundings. 

3. Food galore

Sample these local specialties like seafood satay from the Jimbaran Fish Market, babi guling and ayam betutu at Ibu Oka (Ubud) and Warung Men Weti (Denpasar), and Balinese coffee at Seniman Coffee Studio (Ubud).

Enquire more and contact us today!

Want to know more about AMTD PolicyPal Group insurance plans?

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Cannot find what you are looking for? Please reach out to us at Contact AMTD PolicyPal

Disclaimer: Protected up to specified limits by SDIC. This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future financial needs. If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

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Chilled Digital Nomad

Choosing the Best Travel Insurance to Bali

by Jeff The Chilled Nomad

Sidemen village, Bali, Indonesia

Introduction

Are you planning your dream trip to Bali and looking for the best travel insurance? You’re not alone; with  shifting safety guidelines  due to Covid-19, visitors are now required to have health coverage of at least $25,000.

This comprehensive guide goes beyond simply listing policy providers – we’ll delve into what factors require  careful consideration  when  choosing the right protection  for your  Bali adventure .

Page Contents

Ready to dive in?.

Key Takeaways

  • SafetyWing’s Nomad Insurance plan  is highly recommended for Bali travel due to its  comprehensive coverage for trip cancellation, medical emergencies, and adventure sports activities .
  • Visitors to Bali must have proof of health insurance with a minimum coverage of $25,000 specifically for Covid-related medical expenses.
  • Other reputable travel insurance options for Bali include  Heymondo ,  World Nomads ,  Allianz Travel Insurance , and  Travelex Travel Insurance . Each option offers  various levels of coverage for different needs and preferences .

Factors To Consider When Choosing Travel Insurance For Bali

When choosing travel insurance for Bali, consider factors such as coverage for trip cancellation and interruption, medical coverage and emergency evacuation, baggage loss or delay, adventure sports coverage, and specific requirements for activities like volcano hiking or motorbike accidents.

Coverage For Trip Cancellation And Interruption

Travelling to Bali comes with its share of uncertainties. As a digital nomad or remote worker, you may need to cancel your trip abruptly due to work commitments or face interruptions during your stay.

This is where the coverage for  trip cancellation and interruption  becomes crucial in your travel insurance plan.  SafetyWing Nomad Insurance , highly recommended for Bali travel, provides excellent  coverage for trip cancellations and interruptions , covering unexpected costs that could arise from sudden changes in plans.

Opting for this benefit ensures that financial losses are minimised if  unforeseen situations force changes to your itinerary  during your sojourn on the Indonesian island.

Medical Coverage And Emergency Evacuation

Medical coverage  and  emergency evacuation  are crucial factors to consider when choosing travel insurance for Bali. As a digital nomad or remote worker, it’s important to have peace of mind knowing that you will be taken care of in case of any medical emergencies during your trip.

SafetyWing’s Nomad Insurance plan  is highly recommended for Bali travel as it offers comprehensive worldwide coverage, including medical expenses.

In addition, it’s worth noting that visitors to Bali must have  proof of health insurance  with a minimum coverage of $25,000 specifically for Covid-related medical expenses. This requirement ensures that you are protected in case you need medical treatment due to the ongoing pandemic.

Having adequate medical coverage also includes emergency evacuation, which can be extremely expensive without insurance. In the event of a serious injury or illness where local medical facilities may not be able to provide the necessary care, emergency evacuation ensures that you will be transported safely and efficiently to a suitable facility for treatment.

Bali, Indonesia

Bali, Indonesia

Coverage For Baggage Loss Or Delay

One important factor to consider when choosing travel insurance for Bali is  coverage for baggage loss or delay . We all know that lost or delayed luggage can be a major inconvenience, and it’s always better to be prepared.

Look for a travel insurance plan that offers comprehensive coverage for these situations, ensuring that you will be reimbursed for any essential items you need to purchase in the event of lost luggage or compensation for the inconvenience caused by delayed baggage.

SafetyWing’s Nomad Insurance plan , which is highly recommended for Bali travel, includes coverage for baggage loss or delay, providing peace of mind during your trip. With this coverage in place, you can relax knowing that even if an unfortunate incident occurs with your luggage, you’ll have the financial support to get through it smoothly and enjoy your time on this beautiful Indonesian island without worry.

Adventure Sports Coverage

If you’re an adventurous soul planning a trip to Bali, it’s important to consider travel insurance that covers adventure sports. Bali offers a plethora of exciting activities such as  surfing, scuba diving, volcano hiking, and motorbike adventures .

SafetyWing is a highly recommended travel insurance option for these types of activities. Their Nomad Insurance plan provides  comprehensive coverage for emergency medical expenses  worldwide, including  injuries sustained during adventure sports .

With SafetyWing by your side, you can explore the adrenaline-pumping activities in Bali with peace of mind knowing that you have the right coverage if anything goes wrong. Stay protected and enjoy your thrilling experiences in paradise!

paragliding in bali

Specific Requirements For Bali, Such As Coverage For Volcano Hiking Or Motorbike Accidents

When traveling to Bali, it’s important to consider the specific requirements for the destination. One of the unique activities that visitors often engage in is volcano hiking. While it can be an exhilarating experience, it also comes with risks.

Therefore, when choosing travel insurance for Bali, make sure it includes coverage for any accidents or injuries that may occur during volcano hikes. Additionally, as  motorbike rentals  are a popular mode of transportation in Bali,  coverage for motorbike accidents  should also be considered.

These specific requirements ensure that you are adequately protected during your adventurous pursuits on the island.

Bali’s natural beauty and thrilling activities attract many digital nomads and remote workers who seek a different work-life balance. However, it’s essential to have proper travel insurance that covers these specific requirements to enjoy peace of mind while indulging in volcano hiking or riding motorbikes around the island.

Top Travel Insurance Options For Bali

Here are the top travel insurance options for Bali:  SafetyWing, Heymondo, World Nomads, Allianz Travel Insurance, and Travelex Travel Insurance .

SafetyWing is the  go-to travel insurance option  for digital nomads and remote workers heading to Bali. With its  Nomad Insurance plan , SafetyWing offers  comprehensive worldwide coverage  for all medical emergencies, ensuring that you’re protected no matter where your travels take you.

Not only does SafetyWing provide robust health insurance coverage, but it also meets the specific requirements for Bali travel. For instance, visitors to Bali must have  proof of health insurance  with a minimum coverage of $25,000 for Covid-related medical expenses, and SafetyWing ensures that you meet this requirement.

As one of the most trusted names in the industry, SafetyWing takes care of your well-being so that you can focus on enjoying all that Bali has to offer without worrying about any unexpected medical expenses or emergencies along the way.

Heymondo is a travel insurance provider  that offers comprehensive coverage for Bali. With their flexible plans, digital nomads and remote workers can find the right level of protection for their trip.

Heymondo provides coverage for medical emergencies, including COVID-related expenses, ensuring you’re financially protected if you need medical treatment while in Bali. They also offer options for trip cancellation and interruption, baggage loss or delay, as well as adventure sports coverage if you plan on participating in activities like volcano hiking or motorbike riding in Bali.

Heymondo understands the unique needs of travelers to Bali and provides tailored coverage to give you peace of mind during your trip.

World Nomads

World Nomads is a  popular choice among digital nomads and remote workers  for Bali travel insurance, especially for those traveling from the USA. With their  comprehensive coverage options , World Nomads ensures that you stay protected during your trip to Bali.

They offer benefits like  trip cancellation and interruption coverage ,  medical coverage for emergencies , protection against lost or delayed baggage, and even  coverage for adventure sports activities .

Whether you’re planning to go volcano hiking or exploring Bali on a motorbike, World Nomads can provide the specific requirements needed for your adventurous journey. When it comes to finding reliable and trusted travel insurance for Bali, many travelers turn to World Nomads as their go-to option.

Allianz Travel Insurance

Allianz Travel Insurance is a well-known and trusted insurance company that many digital nomads and remote workers prefer when traveling to Bali. With their  comprehensive coverage options , Allianz provides peace of mind during your trip by offering  protection against unexpected events  such as trip cancellation or interruption, medical emergencies, and lost or delayed baggage.

Their plans also include  coverage for adventure sports activities , which is perfect for those looking to explore the adventurous side of Bali.

If you’re concerned about Covid-related expenses, Allianz offers travel insurance plans that may provide coverage for medical expenses related to the virus. This is especially important as visitors to Bali are required to have proof of health insurance with a minimum coverage of $25,000 for Covid-related medical expenses.

When it comes to choosing the right travel insurance for your trip to Bali, Allianz Travel Insurance stands out as a reliable option with their extensive coverage and  reputable name in the industry .

Travelex Travel Insurance

Travelex Travel Insurance is a reputable option for those planning a trip to Bali. With its range of  comprehensive coverage options , Travelex can offer peace of mind to digital nomads and remote workers exploring the island paradise.

Their travel insurance plans typically include benefits such as  trip cancellation and interruption coverage ,  emergency medical expenses ,  baggage loss or delay protection , and even coverage for adventure sports activities.

While it’s important to check specific requirements for Bali, Travelex can provide the necessary protection against unexpected incidents during your travels. Remember that having  adequate travel insurance is highly recommended  to ensure a worry-free journey to Bali.

How To Buy Travel Insurance For Bali

To buy travel insurance for Bali, first determine your coverage needs, then research and compare different insurance providers. Read and understand the policy terms and conditions before purchasing the policy that best meets your needs.

Determine Your Coverage Needs

To ensure you choose the right travel insurance for your trip to Bali, it’s essential to determine your  coverage needs . Consider factors such as the  duration of your stay , the  activities you plan to engage in , and any  specific requirements for Bali .

For example,  SafetyWing  is highly recommended for Bali travel due to its  comprehensive Nomad Insurance plan  that offers worldwide coverage during medical emergencies.

Moreover, visitors to Bali must have proof of health insurance with a minimum coverage of $25,000 for Covid-related medical expenses. By assessing your coverage needs beforehand and understanding the specific requirements, you can select an insurance policy that provides adequate protection and peace of mind throughout your journey in Bali.

Research And Compare Different Insurance Providers

To find the best travel insurance for your trip to Bali, it’s important to take the time to  research and compare different insurance providers . Look for  insurance companies that specialize in travel coverage  and have  experience with international destinations  like Bali.

Start by checking out popular options such as  SafetyWing, Heymondo, World Nomads, Allianz Travel Insurance, and Travelex Travel Insurance .

When comparing providers, consider factors such as  coverage options, policy limits, deductibles, and customer reviews . Take note of specific features that are important for your trip to Bali, such as  coverage for adventure sports  or specific requirements like volcano hiking or motorbike accidents.

Remember that COVID-19 has added an extra layer of concern when it comes to travel insurance. Look for a provider that offers  coverage specifically related to COVID-19 medical expenses  if you want additional peace of mind during these uncertain times.

Read And Understand The Policy Terms And Conditions

Before purchasing travel insurance for your trip to Bali, it is crucial to carefully read and understand the  policy terms and conditions . This step ensures that you have a clear understanding of what is covered and any limitations or exclusions that may apply.

Pay attention to important details such as  coverage limits ,  deductibles , and any  specific requirements for activities or destinations  in Bali.

For example, SafetyWing’s Nomad Insurance plan offers worldwide coverage in all medical emergencies, making it an attractive option for digital nomads and remote workers traveling to Bali. Additionally, visitors to Bali must have  proof of health insurance  with a minimum coverage of $25,000 for Covid-related medical expenses.

By taking the time to review the policy terms and conditions thoroughly, you can make an informed decision about which travel insurance plan best meets your needs. This ensures that you are adequately protected against potential risks during your journey to beautiful Bali.

Purchase The Policy That Best Meets Your Needs

To ensure a worry-free trip to Bali, it is crucial to purchase the travel insurance policy that best meets your needs. With a plethora of options available, it’s important to consider factors such as  coverage for trip cancellation and interruption ,  medical coverage and emergency evacuation ,  baggage loss or delay protection , and  adventure sports coverage .

Specific requirements for Bali should also be taken into account, including coverage for activities like volcano hiking or motorbike accidents.

One highly recommended option is  SafetyWing’s Nomad Insurance plan . Not only does it offer worldwide coverage in all medical emergencies but it also provides comprehensive protection for unexpected events during your trip.

Additionally, visitors to Bali must have proof of health insurance with a minimum coverage of $25,000 for Covid-related expenses.

Other popular choices among travelers include Heymondo and World Nomads. Whether you’re a digital nomad or remote worker visiting from overseas or an expat looking for reliable insurance options in Bali, these companies offer varying levels of coverage tailored to your specific needs.

When purchasing your policy, take the time to determine your exact coverage requirements based on the activities you plan to engage in during your stay in Bali. Research and compare different insurance providers to find the most suitable one that aligns with both your budget and desired level of protection.

Understanding the policy’s terms and conditions is essential before making any final decisions. Carefully reviewing the details will help ensure that you fully understand what is covered – whether it’s delayed flights, lost baggage or unexpected medical emergencies – allowing you to make an informed choice.

In conclusion, when it comes to finding the best travel insurance for your trip to Bali,  SafetyWing’s Nomad Insurance plan  stands out as a top choice. With  comprehensive coverage for medical emergencies worldwide  and  specific options for adventure sports and activities in Bali , SafetyWing provides the peace of mind you need while exploring this beautiful destination.

Remember to check the  specific requirements for Bali  and consider factors such as  COVID coverage  and  additional benefits  before making your decision. Stay protected and enjoy your worry-free journey to Bali!

1. What factors should I consider when choosing the best travel insurance for Bali?

When selecting travel insurance for Bali, it’s important to consider coverage for medical emergencies, trip cancellations or disruptions, lost or stolen belongings, and personal liability. Additionally, make sure the policy covers activities you plan to participate in while in Bali.

2. Are pre-existing medical conditions covered by travel insurance for Bali?

Coverage of pre-existing medical conditions can vary among different insurers. It’s crucial to review the policy details and speak with the insurer directly to understand if your specific condition will be covered.

3. How much does travel insurance for Bali cost?

The cost of travel insurance for Bali depends on various factors such as trip duration, traveler age, coverage limits, and desired add-ons. It’s recommended to compare quotes from multiple insurers to find a policy that suits your needs and budget.

4. Can I purchase travel insurance after booking my trip to Bali?

Yes, you can usually purchase travel insurance even after booking your trip to Bali. However, it is advisable to acquire coverage as soon as possible after making bookings since some policies may have waiting periods before certain benefits become effective (e.g., trip cancellation).

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Travel Insurance For Bali: The Ultimate Guide to Choosing The Right Protection For Your Holiday

If you’re wondering whether or not to get travel insurance for Bali, we’ve got all you need to know to make an informed decision.

We’re not a travel insurance provider, and thus, our advice is impartial and designed to help you weigh up the different travel insurance options on the market and decide on what’s best for you.

We’ll walk you through everything you need to know about coverage, costs, how to find a policy, the small print, etc. so that if you do opt for travel insurance coverage, you will know exactly what you’re paying for.

What Is Travel Insurance Cover?

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Basic travel insurance is often offered by airlines and credit card providers when you book your holiday.

This form of travel insurance usually covers you in the event of trip cancellation (providing alternative transport or a refund of your cost), in the event of lost luggage, and other minor travel-related issues.

There may even be personal effects, such as delayed expenses paid if your luggage arrives late for your Bali holiday. This is some cash to help you buy clothes and other necessities while you wait for your own property to arrive.

Sometimes, it applies for the entire trip duration and at other times, it may only apply for the period of travel getting to and from Bali.

It’s the bare minimum of insurance cover for overseas travel, and it’s normally extremely cheap, and that’s because it’s really concerned with your travel arrangements rather than providing any valuable cover for your time in Bali.

What Is Medical Cover?

Medical coverage (as opposed to health insurance coverage, which is a separate thing) usually involves paying an additional premium for travel insurance.

What’s Typically Covered?

This coverage will normally assist with medical conditions that arise in Bali.

So, for example, it might help with injuries sustained in scooter accidents or in the event of a natural disaster, or with treatment if you contract dengue fever or your Bali belly turns out to be more than a minor upset stomach.

Travel insurers typically provide enough cover for medical and hospital expenses to get you patched up and back on your feet so that you can return home. That means you may need health care at home to complete treatment for any issues incurred in Bali.

If you want all your hospital and medical expenses paid, then you need overseas medical coverage in the form of health insurance. Health insurance cover is much more expensive than Bali travel insurance and needs to be arranged separately.

If you don’t have some form of medical cover, then you will need to meet all your own medical expenses should you become sick or have an accident.

It’s worth noting that while medical costs in Bali are usually lower than the cost of medical treatment in other countries, they can add up rapidly.

If you buy travel insurance for Bali, we recommend that you opt for something with medical coverage.

Generous medical terms can offer additional benefits such as hospital cash allowance (a sum paid out daily while you’re in the hospital to cover your day-to-day expenses).

What’s Not Covered?

You will find that your travel insurance policy will almost certainly have an exclusion for pre-existing medical conditions.

That’s because travel insurance for a Bali holiday is not meant to cover all your medical expenses but rather those that are incurred as a result of travelling.

It’s very difficult to find a policy that will pay your overseas medical costs for existing health conditions, and while you can shop around for Bali travel insurance coverage to address this, you may find that it’s simply not available or that the policy costs more than paying your own expenses.

These policies typically also excluded overseas emergency medical evacuation that’s because medical evacuation is very expensive, and typically, most conditions can be treated in Bali.

If you are worried about overseas medical costs exceeding the value of your policy and, thus, think you might require medical evacuation, you will need to talk to an insurer about having this coverage added to your travel insurance cover, and it won’t be cheap.

What Is Personal Liability?

Personal liability is when you are held liable for some or all of the actions that led to an accident. For example, if you’re driving and driving into the back of the car in front of you, you have personal liability for the accident.

Bali travel insurance may include coverage for personal liability, and it’s worth checking that it does. Personal liability can quickly become very expensive.

If you injure someone else in an accident, you can find that their medical expenses quickly skyrocket and that you are expected to pay a hospital cash allowance to the individual too.

If you have the right travel insurance for Bali, you won’t need to worry about paying this out of your own pocket. You can hand over the details of your travel insurance and get on with enjoying your Bali holiday.

The good news is that coverage for personal liability is often standard or added to a travel insurance policy very cheaply. It certainly won’t break the bank.

What Happens If You Need Emergency Assistance In The Event Of Natural Disasters?

It depends on what kind of Bali travel insurance you have, but emergency assistance is often included as a standard in travel insurance coverage.

Natural disasters are one of the biggest risks that people face in Bali, with volcanic eruptions, earthquakes, and even tsunamis all being possibilities.

A natural disaster can easily be the most expensive thing to happen on a Bali holiday if you don’t have travel insurance.

That’s because even if you’re not directly affected by the disaster, everything becomes more expensive as hotels become inundated with people evacuated from the affected areas.

Natural disasters such as earthquakes and tsunamis can leave tens of thousands of people displaced for long periods of time.

The worst of the potential natural disasters from a travel insurance point of view is a volcanic eruption. The smoke from a volcano can leave planes grounded in Bali and force you to extend your stay for weeks or even potentially months.

We strongly recommend that you check your travel insurance and see that it covers natural disasters and, if not, that you contact the insurer and find an upgrade that does.

What Happens To Insurance Cover If You Lose Your Travel Documents In Bali?

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Losing your travel documents is a real pain, and it can be a huge problem to get them replaced. The good news is that travel insurance coverage does not depend on you having the same travel documents as when your travel insurance policy was issued.

In fact, many travel insurance policies provide some cover for losing your travel documents overseas and may help with the cost of replacing your passports (or obtaining emergency travel documents) and any travel costs that you rack up in the course of replacing your documents.

Again, you will need to investigate the coverage of your travel insurance policy to see if this is the case for you. If not, you might want to see if you can have it added to an existing policy or choose a different policy when you buy.

Why Do You Need Accidental Death Coverage?

It’s true that you won’t need medical expenses paid out if you suffer an accidental death overseas. But sadly, it costs money to ship a body home (and it’s a lot of money – airlines can’t just pop you in a seat onboard. The shipping has to be done to meet international standards).

It also costs money to return your personal belongings.

There are often legal expenses to be paid, too, regarding the release of the body to the proper authorities. Then, there’s the cost of cremation or a coffin. And so on…

You might be surprised to learn that it can easily cost $25,000 AUD to ship someone’s body from Bali to their relatives back in Australia! The Australian government does not help with these costs.

This is why many travel insurance policies have an accidental death clause. It’s a good idea to make certain that yours does, or you may end up putting your family under a lot of pressure that they don’t need to face.

Is Cheap Travel Insurance Good Enough?

Travel insurance and, in fact, all forms of insurance are a kind of bet. You bet that something will go wrong on your holiday, and the insurance company bets that it won’t.

The bigger the potential payout for the insurance company, the bigger the bet that you have to place in the first place.

Cheap travel insurance can be invaluable. For example, if you have a free policy that includes personal effects and delay expenses and your bags arrive late at the airport, you get some money to help out while you wait.

However, this kind of policy is usually limited to cover for travel expenses, flight delays and the like.

If you’re hurt, injured, die, or face a situation where you incur personal liability, you may have to meet all the costs yourself.

That can get expensive fast.

Now, it’s fair to say that we can understand why a healthy 20-year-old might shrug and decide to buy a few more beers rather than pay for a comprehensive travel insurance policy, but we’ve seen enough 20-year-olds trying to raise $50,000+ for treatment after a motorbike accident to be less blase about things.

Yes, it’s no fun paying for something where you’re hoping to lose the bet. After all, we all want a holiday that’s trouble-free rather than a massive invoice for overseas emergency medical costs, but in the event that things do go wrong, most of us are very grateful for insurance.

What Is A Policy Excess For Travel Insurance Cover?

A policy excess is an amount of money that you must pay before the insurer will pay out any money.

So, for example, if the excess policy on your travel insurance for Bali is $500 and you go to the hospital, You will then need to pay the first $500 of your treatment costs before the insurer will pay anything.

If you do not have $500, then the insurer will not pay anything at all, and you will become liable for the entire cost of treatment.

This matters a lot. We’ve met plenty of people over the years who had a very high policy excess in order to pay a very low premium on their travel insurance.

But this only makes sense if you can actually afford to pay the excess when called upon to do so. A $50 travel insurance policy with a $5,000 excess is awesome if you have $5,000. If you don’t have $5,000? You might as well have no insurance at all.

This means it’s important to choose a policy excess that you can handle if things go wrong in Bali.

What Kind Of Policy Exceptions Might I Find In Bali Travel Insurance Cover?

Travel insurance is a complicated thing, and, in general, policies don’t always cover every activity that you might undertake while you’re on holiday.

Things like medical treatment and hospital expenses are optional, but coverage for many other things is. For example, scuba diving may or may not be covered.

In fact, scuba diving often isn’t covered, but don’t rush out to buy a new travel insurance policy. You’ll often find that the scuba diving school you dive with has a separate insurance policy that covers you while you dive.

Family Emergency Coverage

Some travel insurance will cover any cancellation fees that you incur in the event of a family emergency preventing you from travelling, but most policies do not provide cover for this.

If you want it, you’ll have to add this kind of cover on top.

It’s For Tourists

You may also find that you’re required to undertake your Bali trip on a tourist visa if you want the policy to provide cover. This is a response to “ digital nomads ” trying to use travel insurance instead of health insurance while living in cheaper destinations.

Travel insurance is meant to cover periods of overseas travel for leisure or temporary business purposes, and it’s not meant to provide cover for people living in another country.

Coverage Length Can Vary

Some travel insurance will provide cover for every holiday that you take in a given period. Some only last for the specific trip duration that it was purchased for.

If you extend your Bali trip and have trip duration coverage, you will need to extend the coverage too (usually for a fee) or take out a full new policy.

It’s important to understand what is and what is not covered in your policy before you pay for it (most insurers don’t give refunds). You can then arrange for additional coverage (at an additional premium) or an alternative policy to make up the difference.

What Is Comprehensive Travel Insurance?

Comprehensive travel insurance is a form of travel insurance that covers most of the expected situations that you might face in an emergency on a holiday in Bali.

However, that doesn’t mean that you can rely on comprehensive travel insurance to cover your exact needs without reading the small print.

You will find that it still has exclusions, a specific excess to pay, etc. and that you need to ensure that these meet your needs.

Is Travel Insurance For Bali Worth It?

Yes, we think it is. If you’ve ever seen an appeal for help with overseas emergency medical expenses, you will know that it’s all too easy for a trip to go wrong and that it can happen to anyone.

While you may not be able to afford the best travel insurance policies, it’s always a good idea to have some coverage (and coverage where you can afford to pay the excess).

It’s very much worth investigating if any of your card providers offer overseas cover or travel insurance policies as part of their standard terms. You may be automatically covered by these policies when you make a purchase.

While this may not be the greatest level of cover, it can certainly help with the costs of replacing personal effects or damage to a rental vehicle. Small things can add up when it comes to travel insurance.

Are You Legally Obliged To Have Travel Insurance?

No. While there were various requirements during the COVID-19 pandemic from both airlines and national governments regarding travel insurance and COVID-19 coverage, this is no longer the case.

You will not be asked to provide evidence of travel insurance coverage during check-in or by immigration in Bali.

This does not mean that it’s a good idea to travel without insurance. It just means that you can and won’t get into any kind of trouble for doing so.

How To Find Travel Insurance To Bali

There are two main ways to find travel insurance for a trip to Bali. The first is to arrange insurance through your travel agent (we recommend that you use the Bali Res Centre for booking all trips to Bali, as they’re a great local agent), and the second is to search online.

The advantage of using a travel agent is that they will have a good understanding of the type of trip that you’re planning and can easily advise on what kind of coverage will suit you best.

However, it’s important to note that travel agents may not have the largest range of insurance products to call on, and you may be able to find a better deal elsewhere.

You can also go online and Google for travel insurance or contact one of the insurers that we’ve listed below.

Insurance is a very competitive field, and you can easily find insurance to cover any eventuality with a reasonable excess, and the costs can vary dramatically between insurers.

We recommend that everyone hunts around for travel insurance to find the best deal for themselves.

It’s also worth noting that you may already have some basic overseas cover from your credit card provider or airline. If you do, you may be able to exclude this coverage from another policy and pay less for your travel insurance by doing so.

Potential Insurance Providers For Bali Travel Insurance

This is not a comprehensive list of all travel insurance providers. It is, however, a list of trusted insurers that are used to working with Australians and other Western nationals to provide travel insurance for holidays in Bali and elsewhere in the world.

These insurers are suitably bonded and can be relied on to make good on claims as long as you have complied with the terms of your policy and also meet the policy excess when required to do so.

We are not expressing any preference for any particular insurer here. FINNS does not act as a financial services advisor and cannot help you decide on which insurance policy is best suited to your needs.

Cover-More Insurance

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Cover-More offers unlimited expenses for medical and dental issues. We will pay out up to $15,000 for lost luggage and documents, up to $750 for delayed luggage, $5,000 in the event of hijacking, and much more.

Perhaps, most importantly, for some travellers, they cover almost all activities that you might undertake in Bali, such as bungee jumping, Bali swings, etc.

They will also provide cover for scooters and motorbike riders, but you must have a legal driving license with a motorbike endorsement, an international driver’s permit, a helmet and be sober. You can’t drive anything over 200cc either.

One Cover Bali Insurance

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This is a reasonably comprehensive standard policy that offers good value for money, particularly for families travelling together.

The focus here is on medical coverage, though pregnancy is only covered up to 24 weeks.

It has decent coverage for overseas activities, but you want to check the list of activities covered to ensure that you’re covered. Extreme sports are excluded as a standard.

Their scooter coverage isn’t great, though, and you not only need to be road-legal, but you can’t ride anything over a 50cc engine capacity.

You can find a full breakdown of the One Cover policy here .

Allianz Travel Insurance Bali

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Allianz is one of the biggest names in the insurance industry, and they offer very reasonable terms in their standard policy.

There’s no extreme sports coverage, but most ordinary activities, such as snorkelling and surfing, are covered.

They offer unlimited medical expenses, including evacuation if needed.

The bike coverage allows legal road users to ride up to a 250cc bike with full coverage.

We like that they offer $1,000 towards emergency dental expenses, too. There’s nothing worse than ending up in a dentist spending all your holiday savings on a filling.

Travel Insurance Direct

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This insurer offers very reasonably priced policies for Bali, but it tends not to have the most comprehensive offering, and you may need to add things on to get the coverage you need.

They are very strict about pre-existing conditions for their medical insurance, and they may refuse coverage entirely if you’ve had a stroke or heart attack in the past.

Their motorbike coverage is the best, however, as they will let you ride any cc bike as long, of course, as you are legally entitled to do so.

Interestingly, they offer $10,000 worth of insurance against any lost income caused by injury or illness on your holiday.

See their offering here .

Fast Cover Travel Insurance

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This is a very comprehensive offering that covers theft, medical issues, lost baggage and documents, etc.

It’s nice to have peace of mind when you travel, and while they don’t cover extreme sports as standard, you can buy an “adventure pack” to get coverage for these activities as an extra.

They cover all engine capacities with their scooter/bike policy, though, as always, you must remain legally allowed to drive. This means you must be sober, wear a helmet, and have the right paperwork.

Their $50,000 coverage for expenses relating to any natural disasters is fairly generous, too.

You can find out more about Fast Cover’s offering here .

Medibank Travel Insurance

This is a well-known Australian insurer, and it’s very popular with Australians because of its “high trust” status.

They offer both a comprehensive policy and one focused entirely on the medical aspect of travel.

Families tend to opt for comprehensive travel insurance because of the range of things that go wrong on holidays, whereas many singles will opt to keep their costs down and just cover the medical side of things.

They do cover some extreme sports, but check the policy details carefully with respect to this.

They don’t offer motorbike coverage as standard, but they do offer this coverage as a paid extra, but only for vehicles up to 200cc in engine capacity. As always, you have to be road-legal to claim for this.

Their unlimited cancellation coverage for any unforeseen act (except for terrorism) is very good. Find out more here .

Can You Stack Travel Insurance Policies?

Yes, sort of. Sometimes, you may find that it’s cheaper to take out two separate policies for different areas of coverage.

So, for example, let’s say that your credit card offers comprehensive insurance for your personal effects and that your travel insurance provider gives much better coverage for medical expenses.

You can take out both policies and choose which one to claim when you are in Bali, and you need to use your insurance.

What you cannot do, however, is claim for the same event twice. So, if you lose your camera, you must claim for it on one policy or the other.

If you end up in hospital, you can claim on one policy or the other. You can’t double dip and suddenly buy two cameras or use the cost of your medical treatment to pay for an extension of your Bali trip.

Will The Australian Government Help If I Don’t Have Travel Insurance?

No. The Australian government provides limited assistance to Australians overseas through its consular services. This assistance does not extend to paying for Australians’ expenses in an emergency.

The consulate will help you contact people back home if you have an overseas emergency medical need and see if they can help you pay for your treatment, but they do not provide loans or any other kind of financial assistance.

The only time when consular services really come into their own is if the Australian government orders a full emergency evacuation of Australian citizens from another country. At this point, they will usually arrange for and often pay for your flight out.

Otherwise, you’re expected to have insurance or the means to pay for your own expenses and to use them as necessary.

You can find full details of what the government can and cannot do on the Smart Traveller site provided by the Australian government.

Bali Travel Insurance FAQs

Who is best for travel insurance to bali what is the best travel insurance for bali.

We’re not an insurance broker and can’t offer any insight into which exact travel cover might be best for your needs.

We’d recommend that you draw up a list of the kind of coverage that you need and then seek quotes from insurance companies to address those needs.

Don’t be afraid to shop around when choosing insurance, and there’s no need for any kind of brand loyalty. Get the coverage you need with the right level of excess at the lowest possible price.

Do I Need Travel Insurance In Bali?

You are not legally required to have any kind of insurance to take a holiday in Bali. That doesn’t mean that you don’t “need” insurance, but it does mean you’re not obliged to take any out.

We would point out that the vast majority of trips to Bali are likely to go without any need to make an insurance claim, which often leads people to believe that they don’t need coverage.

However, if things do go wrong (and nobody has a crystal ball to work out who will be lucky or unlucky), you may find that you really do need travel insurance in order to cover the expenses that you incur.

Do You Need Travel Insurance To Go To Bali From Australia? Do Australians Need Travel Insurance For Bali?

Again, no. There’s no legal obligation to enter Bali with any form of travel insurance, and this includes travellers coming from Australia.

Just remember that health care is not free in Bali for Australians or any other overseas tourists and that it’s very easy for things to get expensive fast.

We would encourage you to investigate your travel insurance options even if you’re not obliged by law to take out a policy.

What Insurance Is Required For Bali?

There is no insurance of any kind currently required to visit Bali. Tourists may come and go as they please without presenting any form of insurance paperwork.

You will not need to show coverage to your airline or to immigration on arrival. You may travel at your own risk.

Do You Need Medical Insurance For Bali? Do You Need Medical Cover For Bali?

We would strongly recommend that your travel insurance has at least some form of basic medical coverage. This will ensure that you get some help with the costs if you get sick or have an accident.

While a dose of the Bali belly won’t cost a fortune to treat in a local clinic, a scooter accident can leave you facing bills of tens of thousands of dollars.

However, unless you are moving to Bali as an expat or retiree, you don’t need medical insurance. Health insurance is a very different product from travel insurance, and it is designed to cover all your expenses for almost all medical conditions.

You will find that health insurance allows you to be treated entirely in Bali, unlike travel insurance, which tries to get you well enough to go home and continue your treatment at home.

This means that health insurance is usually much more expensive than travel insurance, and most tourists simply don’t need this kind of cover on a two-week holiday.

Should You Buy Travel Insurance For Bali?

We recommend that you buy some form of travel insurance and that you discuss with your travel agent what kind of coverage you might need.

Medical conditions can strike anyone at any age at any time, so it’s best to be prepared for this eventuality. You also want any unusual activities covered if they might lead to injury, too.

Which Travel Insurance Company Is Best?

There is no “best company” for travel insurance despite a million bloggers insisting otherwise, thanks to the generous commissions that these insurance companies pay.

Insurers tend to be covered by the same regulatory body and provide a very similar standard of service when the coverage you have paid for is at the same level.

That means you should always hunt around for the best travel insurance deal and then carefully read the small print before you sign on the dotted line to ensure that it meets your needs.

Don’t be loyal to a brand, that’s how insurers make their biggest profits – if you don’t shop around and always use the same insurer, they can hike their prices without you knowing how much you’re overpaying for your insurance.

How Much Is The Travel Insurance For Going To Bali?

It depends to a large extent on how much coverage you want, of what type, which insurer you use and how much of an excess you are willing to pay.

However, according to Market Watch, most people spend between $50 (AUD) and $250 (AUD) per trip on travel insurance.

If you travel on a regular basis, you may find that it works out cheaper to buy a year-long policy than to buy a policy for each trip that you undertake.

How Much Does It Cost To Insure A Trip To Indonesia?

Insurance costs for most of Indonesia are the same as they are for Bali, which you’d expect as they are the same country.

However, there are parts of Indonesia that Western governments recommend that you do not travel to.

Your insurance will not be valid in these parts of the country, and you will need to seek alternative insurance (which is likely to be very expensive if you can get it at all).

Fortunately, as we go to press, these areas are tiny parts of the country around two active volcano sites. Most travellers will be fine with a standard travel insurance policy.

Final Thoughts On Travel Insurance Bali

It’s a good idea to get travel insurance before you come to Bali as an accident or illness can quickly see you run up bills that are in the thousands of dollars.

You will need to carefully check your travel insurer’s coverage and make certain that it’s right for you and that you can afford the excess on the policy when you need to make use of it.

There is no legal requirement to have travel insurance in Bali, mind you, and you are free to take a chance on not needing it.

However, you cannot rely on government assistance if you do need travel insurance and don’t have it.

Disclaimer: The information included here is to help you choose the right travel insurance for Bali. We can accept no responsibility or liability if you find that your travel insurance coverage is inadequate for your needs in Bali.

We recommend that you ask your travel insurance provider to fully explain your coverage before you pay for it and that you compare travel insurance coverage from different providers before you commit to cover.

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Best Travel Insurance for Bali: A Comprehensive Guide for Visitors from Around the World

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Best travel insurance for bali

Best Travel Insurance for Bali: leave with a free spirit

To travel with a free spirit, there is one element that should not be overlooked: you need a travel insurance. Your health is precious and must be the subject of all attention (repatriation or emergency medical evacuation, coverage of health costs). We will give you the some options of best travel insurance for Bali.

Bali is one of the most popular tourist destinations in the world, known for its beautiful beaches, vibrant culture, and stunning landscapes. However, traveling to Bali comes with its own set of risks, such as medical emergencies, trip cancellations, and lost luggage. This is where travel insurance comes in handy. In this article, we will provide a comprehensive guide to the best travel insurance for Bali, suitable for visitors from all over the world.

When it comes to Bali, it’s essential to choose a travel insurance policy that covers medical emergencies. Bali’s healthcare system is not as advanced as some Western countries, and medical expenses can quickly add up. Additionally, Bali is prone to natural disasters such as earthquakes, which can disrupt travel plans.

Several important factors to consider when looking for travel insurance for Bali

When choosing travel insurance for Bali, there are a few things you should keep in mind:

1. Medical Coverage

Bali is a popular travel destination, but medical emergencies can happen. Look for a travel insurance policy that provides comprehensive medical coverage, including coverage for emergency medical treatment, hospitalization, and medical evacuation if necessary.

2. Trip Cancellation and Interruption

It’s important to be prepared for unexpected events that may cause you to cancel or interrupt your trip. Look for a policy that provides coverage for trip cancellation or interruption due to unforeseen events such as illness, injury, or natural disasters .

3. Personal Belongings Coverage

Theft and loss of personal belongings can occur during travel. Look for a policy that offers coverage for lost, stolen or damaged baggage and personal items.

4. Adventure Activities

Bali offers many adventure activities such as surfing, scuba diving, and trekking. If you plan on participating in any adventure activities, make sure your travel insurance policy covers them. Read also:  Fun Water Sports Activities in Bali | Jet Ski, Flying fish, Parasailing, Banana boat and Flyboard

5. 24/7 Assistance

Look for a policy that offers 24/7 assistance services such as emergency medical assistance and travel assistance.

6. Policy Exclusions

Make sure to review the policy exclusions, including any pre-existing conditions, to ensure that you have the necessary coverage and are not caught off guard.

For visitors to Bali who plan to rent a scooter or motorbike , it’s important to find a travel insurance provider that offers coverage for these activities.

Travel insurance prices can vary widely depending on the provider and the level of coverage you choose. Compare prices and features from multiple providers to find a policy that fits your needs and budget.

Disclaimer: The prices listed in this article are subject to change and may not be accurate at the time of reading. Please refer to the insurance providers’ websites for the latest pricing information. It is important to carefully review the policy details before purchasing travel insurance to ensure it meets your specific needs.

Good to know

When visiting a public hospital in Bali, remember to bring some Indonesian rupiah money with you. The reason you need to do this is because some do not accept payments through a cashless service.

The disadvantage of public hospitals is a fairly limited service compared to private health facilities, but the bill will be lower. In addition, private hospitals also accept payment methods other than cash.

Medical costs in Bali can be very expensive if you are not covered in the event of an accident or a health problem.

What if you have a dental problem in Bali?

Most of dentists in Bali are fluent in English. Some of them have even been trained abroad. However if you have an emergency, it’s like being in Australia, Europe or the U.S. without a good insurance, your credit card will quickly heat up.

All these reasons demonstrate the importance of being insured for your stay in Bali.

Here is a table that compares different travel insurance plans for visitors and travelers to Bali

The cost of travel insurance can vary based on several factors such as the length of your trip, your age, and the coverage limits you select. These costs are just examples for a 1-week trip for a 30-year-old traveler.

The travel insurances listed below are very popular among travellers. However, only your criteria allow you to know which one is the most suitable for your needs.

Travel insurance is an essential investment for any trip, especially to a destination like Bali where unexpected events can happen. Visitors and travelers should carefully consider their needs and the risks associated with their travel plans when selecting a travel insurance plan. By doing so, they can ensure they are protected and can enjoy their trip with peace of mind.

Read also:  Things To Do When Arriving at Bali Airport (DPS) | Tips for Every Traveler As Soon As We Land

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The best travel insurance for Bali by country of your residence

When it comes to finding the best travel insurance for Bali by country, it’s important to research options that cater to the specific needs of travelers from different countries.

It’s important to note that these are just a few examples of travel insurance providers and plans that are available for visitors to Bali. Without further ado, let’s explore the best travel insurance options for Bali visitors:

Best Travel Insurance for Bali for Visitors from Australia:

Southern Cross Travel Insurance

They offer comprehensive coverage for medical expenses, trip cancellation, and other travel-related risks. Their policy also includes coverage for pre-existing medical conditions, which is particularly important for older travelers. The cost of their policies varies depending on the level of coverage you choose, but you can expect to pay around AUD $80 for a week’s worth of coverage.

Link: https://www.scti.com.au/travel-insurance/bali-travel-insurance

InsureandGo Australia

It offers comprehensive travel insurance plans for Bali starting at AUD $30.68 for a seven-day trip. Link: https://www.insureandgo.com.au

1Cover Travel Insurance

Offers comprehensive travel insurance plans for Bali starting at AUD $26.43 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation, lost or stolen baggage, personal liability, and more. Link: https://www.1cover.com.au

Cover-More offers travel insurance plans for Australian citizens traveling to Bali, Indonesia. Their plans cover medical expenses, trip cancellation and interruption, personal belongings, and more. Link: https://www.covermore.com.au

Best Travel Insurance for Bali for Visitors from the USA:

Allianz Global Assistance: Offers a range of travel insurance plans for Bali starting at USD $25 for a seven-day trip.

Link: https://www.allianztravelinsurance.com/find-a-plan

World Nomads

For travelers from the USA, World Nomads is a popular choice for Bali travel insurance. They offer coverage for medical expenses, trip cancellation, and a range of adventure activities, such as surfing and diving. Their policies are flexible, allowing you to customize your coverage to suit your needs. Prices vary depending on the level of coverage you choose, but you can expect to pay around $70 for a week’s worth of coverage.

Link: https://www.worldnomads.com/usa

Best Travel Insurance for Bali for Visitors from Canada:

Travel guard.

Offers travel insurance plans for Bali starting at CAD $30.50 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation and interruption, baggage loss and delay, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking. Link: https://www.travelguard.ca

Manulife offers travel insurance plans for Canadian citizens traveling to Bali, Indonesia. Their plans cover emergency medical expenses, trip interruption and cancellation, baggage and personal belongings, and more. Link: https://www.manulife.ca/personal/insurance/our-products/travel-insurance.html

Best Travel Insurance for Bali for Visitors from Europe:

Columbus direct (uk).

Offers travel insurance plans for Bali starting at €9.70 for a seven-day trip. Link: https://www.columbusdirect.com/travel-insurance/

AXA Assistance – Platinum Plan (muliple countries)

AXA Assistance offers the Platinum Plan, which includes emergency medical coverage, trip cancellation and interruption coverage, and personal belongings coverage. It also covers adventure activities such as surfing and trekking. The cost for a 10-day trip to Bali for a 30-year-old traveler starts at €48.

AXA offers travel insurance plans for Bali. The plan covers emergency medical expenses, trip cancellation and interruption, baggage loss and delay, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking.

  • French: https://www.assurance-voyage.axa-assistance.fr
  • Italian: https://www.assicurazione-viaggio.axa-assistance.it
  • Spanish: https://www.axa-assistance-segurodeviaje.es
  • Portuguese: https://www.viagemsegura.pt/pt
  • Polish: https://www.axa-assistance.pl

Staysure (UK)

Staysure offers travel insurance plans for UK citizens traveling to Bali, Indonesia. Their plans cover medical expenses, trip cancellation, baggage and personal belongings, and more. Link: https://www.staysure.co.uk/single-trip-travel-insurance

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Best Travel Insurance for Bali for Visitors from Asia:

Etiqa insurance (singapore).

They offer a range of plans that cover medical expenses, trip cancellations, and adventure activities. Their ePROTECT travel insurance plan starts from SGD $18 for a seven-day trip.

Link: https://www.etiqa.com.sg/personal-insurance/travel-insurance

AIG (Singapore)

Offers travel insurance plans for Bali starting at SGD $35 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation and interruption, baggage loss and delay, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking. Link: https://www.aig.sg/personal/travel-guard

Chubb Travel Insurance (Singapore)

Offers travel insurance plans for Bali starting at SGD $17 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation, travel delay, loss of baggage, and more. Link: https://www.chubbtravelinsurance.com.sg

Mitsui Sumitomo Insurance (Japan)

Offers travel insurance plans for Bali starting at JPY 1,500 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation and interruption, lost or stolen baggage, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking. Mitsui Sumitomo Insurance also offers customizable plans and optional coverage for specific activities or situations, such as sports and adventure travel, rental car damage, and more.

Link: https://www.ms-ins.com/english

Tune Protect (Malaysia)

Offers travel insurance plans for Bali starting at MYR 24 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation and interruption, lost or stolen baggage, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking. Link: https://www.tuneprotect.com/products/travel-easy-insurance

China Life Insurance

Offers travel insurance plans for Bali starting at CNY 20 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation and interruption, lost or stolen baggage, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking. Link: https://www.e-chinalife.com

Allianz Global Assistance (Philippines)

Allianz Global Assistance offers travel insurance plans specifically designed for travelers visiting Southeast Asia, including Bali. Their plans include coverage for emergency medical expenses, trip cancellation, and travel delays. You can purchase coverage online through their website: https://www.allianzpnblife.ph

Pacific Cross (Philippines)

Pacific Cross offers travel insurance plans for Philippine citizens traveling to Bali, Indonesia. Their plans cover emergency medical expenses, trip interruption and cancellation, personal belongings, and more. Link: https://www.pacificcross.com.ph/#travel

Best Travel Insurance for Bali for Visitors from Africa

Hollard travel insurance.

They offer comprehensive travel insurance plans that cover medical expenses, trip cancellations, and luggage loss. Their Standard Plan starts from ZAR 398 for a seven-day trip.

Link: https://www.hollard.co.za/travel-insurance

Travel Insurance Consultants

Offers travel insurance plans for Bali starting at ZAR 312 for a seven-day trip. Link: https://www.tic.co.za

Photo credit : stux via Pixabay

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Travel Insurance Bali

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If you have plans to take a trip to Bali any time soon, you will need a comprehensive travel insurance plan so that you can be protected throughout the trip. Know more about overseas travel insurance from Tata AIG. When you think of Bali, a number of beautiful sceneries such as white sandy beaches, gorgeous waterfalls, and ancient temples come to your mind. It is safe to say that the beauty of Bali makes it Indonesia’s crown jewel, which is why it is such a popular tourist destination.

Contrary to the popular belief that Bali is only full of clean and sunny beaches, there are loads of things to do in Bali. If you are keen to explore old and magnificently constructed temples, visiting the Ulun Danu Temple in Danau Beratan should be part of your itinerary. Or if you want to explore the wildlife and get close to nature, the Ubud Monkey Forest will be a complete thrill for you. With over 700 monkeys and different species of trees, you are sure to enjoy your day there!

Travel Insurance from India to Bali

To visit Bali, it is important that you have a comprehensive travel insurance Bali policy that will help you out in times of need and in case of emergencies such as passport loss , baggage loss or delay, medical emergencies, and much more.

Therefore, you can select a Tata AIG travel insurance Bali policy which starts only at ₹45.5 per day, with extensive coverage against a number of situations!

The benefits of having travel insurance from India to Bali plan:

  • Medical expenses coverage in the event of the diagnosis and hospitalization of COVID-19 & other sickness during the trip
  • Travel assistance
  • Coverage of $5,00,000 for accidents and sickness
  • Baggage loss or delay cover
  • Local assistance on your Bali trip
  • Affordable travel insurance from India to Bali, starting at just ₹45.5 per day
  • Hijack cover
  • Cover against personal liability
  • Hassle-free purchase of the Tata AIG travel insurance Bali plans
  • Automatic 7-day extension of your travel insurance Bali policy due to cancellation or delay of the return flight
  • Automatic Policy extension upto 60 days or date of discharge in the event of hospitalization when your policy is active.

Making a trip abroad will always need adequate planning and arrangements so that you can carry all that you need with you on your trip to Bali. Be it the documents, clothes, accessories, your travel insurance Bali policy, or travel plan maps, you will have to be sure that you have it all while departing from India.

Your travel insurance plan must cover you against a range of uncertain events such as medical emergencies, flight cancellations, delays, the loss of your passport, the loss or delay of your baggage, personal liability, and more. Since the COVID-19 pandemic has already caused a lot of travel restrictions to be put in place, make sure that you receive comprehensive coverage from your travel insurance plan against COVID-19 emergencies.

The best travel insurance in India is the one that is flexible enough and should provide sufficient coverage so that if you face any unexpected situation on your holiday, the travel insurance should be able to handle these contingencies smoothly. Always take into consideration a number of possible situations that can occur when you purchase a travel insurance policy and check if the plan covers them all.

Our Tata AIG travel insurance policies are designed to ensure that you can choose the plan coverage as per your needs and safeguard yourself against a host of uncertain events and occurrences on your trip. So, calculate your travel insurance premium and select your Tata AIG travel insurance plan before your make your trip to Bali!

Why Do You Need Travel Insurance from India to Bali?

A travel insurance policy is always a necessity, no matter where you are travelling. And in the case of an international location like Bali, you do not want to be caught off guard without a travel insurance policy if you face a sudden emergency or lose your baggage or passport. A comprehensive family travel insurance plan would safeguard you as well as your family members from various types of adversities that may arise during your Bali trip.

A good thing about Bali is that the political environment is quite stable, so you need not worry about riots or protests over there. As such, the Indonesian government is particular about safeguarding their tourism industry, which means, as a tourist, you are quite safe in Bali.

However, there are a host of other emergencies that you will have to keep in mind when travelling to the country. A simple example of this could be a food allergy or a common stomach bug that can affect almost anyone but can also spoil your holiday mood!

Therefore, while choosing a travel insurance Bali policy, be sure to compare travel insurance policy that offers extensive coverage against all types of emergencies, starting from delayed or cancelled flights and loss of passport to delayed or lost baggage to hospital cover in case of medical emergencies. If you suffer any such loss as mentioned above, you can always claim your travel insurance policy by contacting us.

Benefits offered by the Tata AIG travel insurance Bali plan

When you choose a Tata AIG travel insurance Bali plan, these are the following covers that can help you get 36-degree protection from uncertain events on your trip:

  • Baggage Cover

If your baggage has been lost or delayed due to any reason, our travel insurance policy provides coverage for the same. For delayed baggage, you will be reimbursed for any essential items needed till the time you get your bags, whereas if you lose your baggage, we will reimburse the cost of the belongings in your check-in baggage.

  • Medical Cover

The Tata AIG travel insurance plan for Bali can offer comprehensive protection to you in case you are hospitalised on a trip due to sickness or an accident.

If you happen to fall sick or meet with an accident while in Bali, our medical travel insurance plan will cover these costs. Moreover, if you are diagnosed with a COVID-19 infection and need to be hospitalised for the same, our travel insurance plan will handle the expenses.

  • Journey Cover

With our Bali travel insurance plan, you will be covered against emergencies during your journey and this includes the loss of your passport, the delay or cancellation of your flight, or the cancellation of your other bookings on the trip.

Should you fall sick while still in Bali and have to be hospitalised towards the end of your journey, do not worry about the policy’s expiry date. We will ensure an automatic extension of 60 days or until the time you are discharged, whichever comes first.

These are the other benefits

  • Travel Insurance Bali policy, starting at an affordable premium rate of ₹45.5 per day.
  • Instant travel insurance policy purchase through our website with no hassles of excessive documentation or medical check-ups.
  • You can choose to pay for your travel insurance policy premium in Indian National Rupees and receive Bali travel insurance coverage in US dollars.

Visa Information for Bali

While travellers from many countries do not need to have a visa if they are visiting Bali for 30 days or less, most tourists will need to have a visa depending on their nationality and the duration of their stay. Here are the broad visa documents one needs to have and requirements one needs to meet to be able to gain entry into Bali:

  • An eligible passport with a validity of 6 months and one blank page.
  • The duly filled application form
  • Relevant supporting documents such as proof of return or onward travel
  • A letter of invitation in case you are visiting someone
  • A health certificate that signifies that you are in good health
  • Proof of funds for the stay in the country (depending on circumstances of your visit)
  • Recent passport-sized photographs.

The application form will have some security and health-related questions which you need to answer, proving that you are not a threat to the health and safety of Indonesian citizens and foreigners in the country.

Types of Visas for Bali

These are the different types of visas available for foreigners visiting Indonesia:

Visa on Arrival

For tourists from some countries, a visa on arrival is issued at the airport if they want to stay in the country for a period of 30 days. By paying an extra fee, the validity can be extended. The application involves having to wait in a queue at the airport to get, complete and submit the application. The necessary documents such as a confirmed return flight ticket and the proof of funds for the stay need to be presented at this time.

Business Visa

A business visa can be a single-entry visa for 60 days or can be extended up to a total of 180 days as per your requirement. You can also obtain a multiple-entry business visa that enables multiple stays of 60 days and is valid for 12 months. For a business visa, you will need to have a sponsorship or a letter of invitation from an Indonesian company. This visa allows you to attend official meetings and conferences in the country or sign contracts and meet with investors. But you cannot opt for paid employment in the country with a business visa.

Tourist Visa

The tourist visa is most commonly issued to those coming to Indonesia to visit their friends or family or for leisure or tourism. With this visa, one can stay in the country for up to 60 days and also participate in short study programs. Visitors from some nationalities are able to obtain a 30-day tourist visa on arrival, while many opt for the online Indonesia visa application form to obtain their tourist visa.

Transit Visa

You will not need to have a transit visa for Indonesia if you are transiting Indonesia through Soekarno-Hatta International Airport below 24 hours, or any other airport for less than 8 hours. But if you are not visa-exempt, you will need to have an Indonesian transit visa to pass through the country.

Electronic Visa

The Indonesia electronic visa program is a facility that expedites your entry into the country and lets you obtain an Indonesian eVisa online. Hence, you do not need to visit an embassy personally to submit a visa application or wait in a long queue to apply for a visa on arrival.

Temporary Stay Permits

An Indonesian Temporary Stay Permit (KITAS) is meant for those who travel to the country to work or study. It has a short-term validity of 6 months or a long-term validity of 1 to 5 years. To get a KITAS work visa, you must have a sponsorship from an Indonesian or Indonesia-based company and also an IMTA work permit.

To obtain a KITAS work visa, it is necessary to have sponsorship from a company based in Indonesia as well as an IMTA work permit. To apply for a temporary stay permit to study, it is necessary to obtain a sponsor letter from an Indonesian educational establishment.

How to Apply for Indonesian Visa

The following process has to be followed if you want to apply for an Indonesian visa:

  • Depending on the type of visa you are applying for, you will need to fill out the application form.
  • Provide the supporting document that will vary as per the type of visa you are applying for.
  • Some applicants may need to submit the form in person at the Indonesian embassy or consulate while those using online Indonesian visa applications can upload their forms and documents electronically.

Please note that all types of visas are not available online and only applicants of some countries are eligible for the electronic process. Thus, be sure to check these requirements before applying.

  • Once the application is complete, kindly pay the fee which will vary according to the type of visa you apply for.

Documents Required by Indian Nationals for an Indonesian Visa

Here are some of the essential documents you will need to have with you when applying for an Indonesian visa:

  • Your valid passport with 6 months validity and a blank page
  • Your flight tickets (the return journey as well)
  • Your health certificate and vaccination certificates
  • Proof of funds during your stay in Bali
  • An invitation letter from the person/persons you are visiting
  • An Indonesian employment contract or letter of acceptance from an Indonesian university
  • Criminal record, if any or if applicable

Please note that you may be required to submit additional documents if a certain type of visa has such requirements. Also, ensure that you have valid travel insurance for the Bali visa so that you can be protected from uncertainties during your stay there. When in need, you can always contact us and claim your travel insurance policy.

Moreover, the application forms of different visas will have different questions. Ensure that all the questions are answered correctly and genuinely to avoid any chance of visa rejection.

Entry Information For I9

According to the Instruction of Ministry of Home Affairs No. 58 the Year 2021, foreign travellers visiting Bali must enter through the Soekarno Hatta Airport in Banten, Raja Haji Fisabilillah Airport in Riau Islands, or Sam Ratulangi Airport in North Sulawesi.

Once you arrive in Indonesia, these are some of the measures you need to take as per the Circular of Covid-19 Task Force No. 26 the Year 2021. International travellers, as well as Indonesian citizens, should comply with the rules.

Foreign nationals who have not travelled or are staying in states/regions with the criteria in the first section for a period of 14 days, can enter Indonesia under these conditions:

  • Should enter through airports in Riau Islands and Bali
  • Should have a certificate of receipt of COVID-19 vaccines and a negative RT-PCR test report.
  • Should have a suitable visa as per the applicable rules and regulations.
  • A travel insurance plan with a coverage of at least $1,00,00 and a COVID-19 coverage.
  • Proof of accommodation with the booking and payment confirmation from the agency or the host.

When you buy a travel insurance plan, always be sure to calculate the premiums and get a suitable travel insurance quote for Bali so that you do not miss out on adequate coverage during your trip.

Travel Documents Required While Travelling from India to Bali

The following travel documents are mandatory when you arrive in Bali:

  • A valid passport with 6 months validity and a blank page.
  • A plan of the itinerary.
  • A copy of the flight tickets and accommodation.
  • Finances of approximately IDR 100,000,000.
  • Travel insurance Bali policy with adequate coverage.
  • Purpose of travel. For example, if you are on a tourist visa, you should not engage in paid employment or any business activity.

Bali Travel: Safety and Precautionary Measures To Be Undertaken

There are a few safety precautions that you need to be aware of while travelling from India to Bali:

  • If you are an Indian national coming to Indonesia, kindly register yourself at the Embassy. Download the registration form online or pick it up at the Embassy.
  • Please do not hand over your passport to non-bonafide agents, as such cases have been previously reported to the Embassy.
  • Please ensure that your passport’s validity is more than six months at the time of return from Indonesia.
  • Do not conduct business activities in Indonesia without first consulting the Indonesian Immigration. Even with a business visa, certain activities are not permitted.
  • Do not overstay after your visa expires. This will result in you being booked for visa violations.

Covid-19 specific safety guidelines

  • Always wear a protective mask over your nose and mouth, especially when you are in crowded spaces or using public transport.
  • Do maintain social distancing as far as possible.
  • Follow all the applicable COVID-19 guidelines and cooperate with the local authorities and the government.
  • Check yourself COVID-19 symptoms. If there are any signs, please self-isolate and get tested soon.

A travel insurance plan for Bali will protect you from the financial impact of any emergencies including a COVID-19 infection during your stay due to which you may need to be hospitalised.

The Indian Embassy in Indonesia

Address : Gama Tower, 28th floor, Jl. HR. Rasuna Said Kav. C22, Karet Kuningan, Setiabudi, Kota Jakarta Selatan, Jakarta 12940.

Present Ambassador : His. Excellency Mr. Jawed Ashraf

Contact details of the Embassy

Website : Embassy of India, Jakarta

Email : [email protected]

Present Ambassador : Shri. Manoj Kumar Bharti

Telephone number : +62 21 2522299

Fax number : +62 21 2522405

The embassy is closed on Saturdays, Sundays & Public Holidays.

Official working hours : 8:30 AM - 12:30 PM and 1:15 PM - 5:15 PM

Consular timings : Monday and Thursday, 9:00 AM - 12:00 PM.

International Airports in Indonesia

These are some among the 29 international airports in Indonesia:

  • Soekarno Hatta International Airport
  • Juanda International Airport
  • Gusti Ngurah Rai International Airport
  • Banyuwangi International Airport
  • Sultan Aji Muhammad Sulaiman International Airport

Currency and Foreign Exchange

The Indonesian Rupiah (IDR) or Rp is the official currency of Bali. This means most of the businesses in Bali use the IDR for their regular transactions. However, many investment-based businesses tend to use the US dollar.

Since the exchange rate fluctuates on a daily basis, make sure you check the exchange rate while buying travel insurance from India to Bali on the purchase.

Tourist Places in Bali

Whether you’re an adventurous tourist or find solace in quiet spaces, Bali has it all for you and will never disappoint anyone. Right from wildlife sanctuaries to trekking mountain ranges and awe-inspiring ancient temples, you can add some of these places to your itinerary when you visit Bali.

Tanah Lot Temple

A visit to the Tanah Lot Temple will give you the much-needed quiet and peace you have been looking for. Located along the shoreline of the Beraban village in Tabanan, the waves of the blue sea surround the temple and make for a majestic setting that you cannot miss! In Balinese mythology, it is believed that venomous snakes guard the temple from evil spirits.

Tegallalang Rice Terraces, Ubud

As a tourist, another place of interest for you in Bali would be the Tegallalang Rice Terraces in Ubud. The beautifully structured rice paddy terraces and the greenery is sure to win your heart. The scenery is so refreshing and wonderful that apart from nature lovers, a lot of painters and artists are known to frequent this location. You will also find a lot of graceful coconut trees decorating the valley and the terrace.

If you are looking for some excitement on your Bali trip, the Bali Swing should be one of the places on your list. A hit among travel bloggers and newly-wed couples on their honeymoon, this tourist spot is sure to give you some Instagram-worthy pictures and loads of precious memories to take back with you. A series of quaint rope and wood swings set against a vast expanse of natural vegetation makes for an unforgettable frame.

Goa Gajah Gianyar

The Goa Gajah in Tampaksiring, Bali is a Hindu temple that holds a lot of historical, religious and archaeological significance and simply means the Elephant Cave. The entrance of the cave is beautifully designed with different carved motifs that give the temple more historical appeal. When you visit the temple, you can observe some ancient vestiges from the Hindu and Buddhism beliefs while also spotting the fountains, bathing pools, and rock-wall carvings in the temple.

Nusa Penida

An untouched and pristine island separated from Bali by the Badung Strait, Nusa Penida is the place you should be at if you are an explorer, a photographer, or are simply looking for some peace and quiet. The tranquil island is home to a number of limestone formations and blue lagoons and is surrounded by the greenery of the flora which presents a picture-perfect treat for photographers.

Best Time to Visit Bali

The best time to visit Bali would be during the months of April to October. Though it may be quite warm in July and August, you can enjoy very pleasant weather between April to September. As such, you may also visit Bali between October to March; however, note that a lot of movement will be restricted due to due rainfall, which is why you may not want to go here during the monsoon.

Being a tropical location, the summer months can be quite warm but since it will be dry, you should not have a problem moving around. If you visit Bali in April, do not miss the Air Festival which celebrates the conservation of Balinese landscapes through exciting themes and music.

Between June and July, you can enjoy the Bali Arts Festival in Panjer, where you can witness a number of literary and dance events as well as competitions and activities related to fashion, handicraft, and food. As an art or photography enthusiast, this festival can be a real feast for your eyes and mind!

If you want to plan your trip to Bali, ensure that you are well-protected with a travel insurance Bali policy in case you happen to face unexpected events during your travel. At Tata AIG, you can choose from a wide range of international travel insurance plans that start at only ₹40.82 per day*. Visit our website to find out more about our travel insurance plans!

Other Destinations

Disclaimer / tnc.

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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To purchase a travel insurance plan from India to Bali, please visit our official website and click on international travel insurance under the “Products” section. Once you enter the necessary personal details, choose the coverage you need and add any of the additional covers you may require, which are as follows:

After selecting the coverage for your travel insurance Bali plan, you can choose to make the payment online and complete the purchase of your travel insurance policy, after which the policy document will be sent to your email ID.

How much should I pay for a travel insurance Bali plan?

The duration of your travel, the destination you are visiting and the coverage of your travel insurance plan will determine how much you need to pay for your travel insurance plan. Make it a point to select a sum assured that will not lead to you paying hefty premiums but at the same time provides sufficient coverage on the trip.

With Tata AIG travel insurance plans, you can enjoy comprehensive travel insurance coverage with a reasonable travel insurance quote for Bali so that you do not have to overspend on your travel policy. If you want to be sure of the premiums you pay, you can also get some help from our online travel insurance premium calculator and compare travel insurance plans.

Is it mandatory to buy a medical travel insurance Bali plan?

Yes, you should have a medical travel insurance Bali policy since there could be a medical emergency when you are visiting. Though it is not compulsory, you don’t want to be unprepared for emergencies that could lead to a lot of financial losses. Be sure to choose adequate coverage in your travel insurance policy so that you can be safeguarded against untoward occurrences on your trip.

With Tata AIG’s travel insurance Bali policy, you can avail of reasonable premiums in return for extensive coverage against a host of emergencies. If you want to determine your travel insurance policy coverage, you can also use our travel insurance premium calculator to find the Bali travel insurance policy of your choice.

** Disclaimer** :

All the information provided above has been well-researched and sourced from reliable sources. Since this information is subject to change, it is advisable to check the latest travel guidelines and other location-specific information before planning a trip to any location. *Subject to change based on the nature and extent of coverage.

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2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Category of Certificate of Registration: General Insurance. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

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the best travel insurance for bali

Travel Insurance for Bali

Bali is a popular destination for Australians. Just a few steps and you're Freely to go...

We've bundled up the essentials for Bali.

With its incense-laced markets, sprawling rice paddies and tasty surf breaks, the Indonesian island of Bali has long enchanted Australian visitors. Though Bali is a friendly destination, its rumbling volcanoes, cheeky monkeys and bustling motorbike traffic mean it’s a great idea to consider buying travel insurance!

From $6 per day ~

Medical (International only)

Overseas Dental (International only)

Passport & Travel Documents (International only)

Emergency Evacuation (international only)

Emergency Repatriation (international only)

Personal Liability

Accidental Death & Disability

Cancellation and amendment

COVID-19 Cover

Kids travelling with you go free !*

24/7 Emergency & Medical Support

Customer Service Every Day 7am–7pm AEST/AEDT

In-App Travel Safety Alerts

In-App COVID-19 Updates

~ Under 60 and going to Bali? Your Overseas Essentials cover is only $6 a day; additional cover costs more.

Why choose Freely for your trip to Bali?

If your plans change, change your plan, with the flexibility to adjust your cover, even while you're away!

Got questions? Our team of travel insurance specialists are ready to answer them via a call or through Freely’s in-app chat.

It sucks when something goes wrong on your holiday, so we’ve made our claiming process quick and easy. Start it all on your phone, then get back to the good stuff.

Enjoy instant access to a highly qualified team of medical experts and crisis  specialists who are dedicated to looking out for you – wherever you are – with your on-trip policy.

Travel Insurance

"Love that I just add in my trips and I’ve got travel insurance just like that!" - App store review

Choose add-ons when you need them.

If your plans change during your trip, you can add extra cover then and there.

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Frequently Asked Questions for Bali

These are questions we often get from travellers interested in going to Bali.

What happens if there is a natural disaster in Bali?

I want to rent a scooter, moped or motorbike in Bali. Will this be covered?

Will my hospital bills be covered if I require medical treatment in Bali?

Will you fly me home if I get sick or injured in Bali?

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the best travel insurance for bali

  • Nationwide Travel Insurance
  • AXA Assistance USA
  • Travel Guard
  • Berkshire Hathaway Travel Protection
  • Tin Leg Travel Insurance
  • WorldTrips Travel Insurance
  • Trawick International Travel Insurance
  • Travelex Travel Insurance

Travel Insurance Tips

  • Why You Should Trust Us

Ultimate Guide to Choosing the Best Travel Insurance

Our experts answer readers' insurance questions and write unbiased product reviews ( here's how we assess insurance products ). In some cases, we receive a commission from our partners ; however, our opinions are our own.

Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this travel insurance guide, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Best Travel Insurance Companies

  • Nationwide Travel Insurance : Best Overall
  • AXA Assistance USA : Runner-Up
  • Travel Guard : Best for Cruises
  • Berkshire Hathaway Travel Protection : Best Reputation
  • Tin Leg Travel Insurance : Best for Travelers with Preexisting Conditions
  • WorldTrips Travel Insurance : Best for Digital Nomads
  • Trawick International Travel Insurance : Best Low-Cost Option
  • Travelex Travel Insurance : Best for Road Trips

Compare the Top Travel Insurance Offers

Nationwide Nationwide Travel Insurance

  • Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
  • con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
  • con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

  • Cancel for any reason coverage available

AXA AXA Assistance USA

  • Trip cancellation coverage of up to 100% of the trip cost
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
  • con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
  • con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

  • Silver, Gold, and Platinum plans available
  • Trip interruption coverage of up to 150% of the trip cost
  • Emergency medical coverage of up to $250,000

AIG Travel Guard

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
  • con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

  • Trip cancellation coverage for up to 100% of the trip cost
  • Trip interruption coverage for up to 150% of the trip cost
  • Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
  • Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Berkshire Hathaway Berkshire Hathaway Travel Protection

Covers up to 100% of trip cancellation costs, a minimum of up to $750 in luggage losses, and 24/7 worldwide travel insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers up to 100% trip cancellation refund for eligible travel
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Plans are customizable with relevant add-ons
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good customer service and easy sign up according to traveler reviews
  • con icon Two crossed lines that form an 'X'. More affordable plans offer low caps on medical and emergency coverage
  • con icon Two crossed lines that form an 'X'. Premiums are on the expensive side relative to comparable competitor plans
  • con icon Two crossed lines that form an 'X'. Claims may take longer during peak travel seasons

Berkshire Hathaway Travel Protection is one of the leading insurance brands on the market. It offers several plans with key add-ons for travelers.

  • This provider underwrites travel insurance policies for a number of other companies in addition to offering its own plans
  • Travelers can file claims directly from a smartphone by using the BHTP app

TinLeg Tin Leg Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
  • con icon Two crossed lines that form an 'X'. Limited add-on coverage options
  • con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors

Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.

  • Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

WorldTrips WorldTrips Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable base plans that can be customized with add-ons including rental car, pet care, hunting and fishing, and vacation rental coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Insurance plans available for international student travelers
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage benefit that kicks in after just five hours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Pre-existing conditions waiver can be purchased within 21 days of initial trip payment
  • con icon Two crossed lines that form an 'X'. Lower medical, evacuation and accidental death limits
  • con icon Two crossed lines that form an 'X'. Limited, secondary baggage loss coverage although baggage protection can be upgraded at a low cost
  • con icon Two crossed lines that form an 'X'. No special coverages for pets, sports equipment, etc.

WorldTrips has been a reputable travel insurance provider for more than 20 years. Unsurprisingly, it boasts an A+ rating from the Better Business Bureau and positive reviews from thousands of customers.

  • Travel medical insurance (Premium, Group, Annual, and International Student options)
  • Trip cancellation insurance
  • Trip protection insurance

Trawick Trawick International Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
  • con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
  • con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
  • con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims

Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.

  • Travel medical insurance
  • Trip protection and cancellation
  • International student insurance
  • Visitor medical insurance (for traveling to the US)

Travelex Travelex Travel Insurance

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
  • con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
  • con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
  • con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
  • con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

  • Optional CFAR insurance available with the Travel Select plan
  • Trip delay insurance starting at $500 with the Travel Basic plan
  • Emergency medical and dental coverage starting at $15,000

Best Travel Insurance Reviews

Best overall travel insurance: nationwide travel insurance.

Nationwide Travel Insurance is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Nationwide Travel Insurance Review

Runner-Up: AXA Assistance USA Travel Insurance

AXA Assistance USA  offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

AXA Assistance USA Travel Insurance Review

AIG Travel Guard Travel Insurance: Best Travel Insurance for Cruises

Travel Guard is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

AIG Travel Guard Review

Best Travel Insurance for Company Reputation: Berkshire Hathaway Travel Protection

Berkshire Hathaway Travel Protection  helps travelers make the best of bad situations by simplifying the process of filing a claim down to a simple photo snap and some basic paperwork submitted directly through a dedicated app.

Approved claims are also paid out very rapidly, making it easier to carry through with a trip when luggage has been lost or alternative travel plans need to be made on the fly.

Berkshire Hathaway Travel Insurance Review

Best for Travelers with Preexisting Conditions: Tin Leg Travel Insurance

Tin Leg Travel Insurance is a great fit for travelers with medical issues in particular. Thanks to coverage for preexisting medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Tin Leg Travel Insurance Review .

Best Travel Insurance for Digital Nomads: WorldTrips Travel Insurance

WorldTrips Travel Insurance has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

WorldTrips Travel Insurance Review

Best Low-Cost Travel Insurance Option: Trawick International Travel Insurance

Trawick International Travel Insurance  is another medically robust insurance provider that can help higher-risk and anxious travelers find peace of mind while on the road. This company offers one of the most generous medical evacuation policies in the market, although travelers will need to remember to add on rental car coverage if they need it.

Trawick Travel Insurance Review

Best Travel Insurance for Road Trips: Travelex Travel Insurance

Travelex Travel Insurance  offers three plans:

  • Travel Basic
  • Travel Select
  • Travel America

The Travelex American plan is meant for trips limited to the US, but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the US for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Travelex Travel Insurance Review

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about the financial aspect of receiving medical care while traveling , even in the most remote corners of the globe.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away.

Choosing Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy – what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. 

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Keep important contacts and your policy details handy, and remember, your insurance provider is there to assist you.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own. 

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

Yes, travel insurance typically offers some coverage of canceled flights, but if this benefit is important to you, make sure you read the fine print of your policy to make sure it offers adequate reimbursement. If you think you may need to cancel your travel plans, you should consider purchasing cancel for any reason (CFAR) travel insurance .

Travel insurance will pay out if you experience a covered event, such as a travel delay or delayed or lost baggage. If you're looking to get travel insurance for a specific reason, such as needing to potentially cancel your trip, make sure your policy will cover you in that situation before purchasing it.

Most comprehensive travel insurance policies include medical coverage that can come in handy if an emergency occurs and you need medical evacuation. Some travel insurance plans offer more specialized coverage for travelers with preexisting conditions, so shop around if medical coverage is a top priority for you. 

$100,000 should be a sufficient medical coverage limit for travel insurance. If you're planning on doing extreme sports or anything particularly risky on your trip, you may want to increase your coverage level. A high medical coverage limit is especially useful when you're purchasing cruise travel insurance, since medical evacuations are more involved at sea.

Why You Should Trust Us: How We Chose The Best Travel Insurance Companies

To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award 5 stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2022 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the US Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read our full insurance rating methodology for even more details.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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  • Key takeaways

Is Generali travel insurance any good?

  • Bottom line Main highlights of Generali travel insurance

Generali travel insurance plans & coverage

Cost of generali travel insurance plans, generali travel insurance reviews from customers, is generali travel insurance worth it, faq: generali travel insurance, related topics.

Generali Travel Insurance Review 2024

Leigh Morgan

With over three decades in the industry , Generali Global Assistance stands out as a reliable travel insurance provider.

The company offers three plans with various coverage options that cater to your specific travel needs.

In the Generali review, we’ll break down its offerings and give insight into customer experiences to help you decide if this provider is the right choice for your travel insurance.

  • Generali Global Assistance offers three comprehensive travel insurance plans : Standard, Preferred and Premium.
  • All plans include medical and medical evacuation coverage, as well as coverage for lost/damaged baggage and trip cancellations, delays and interruptions.
  • You can purchase rental car coverage as an add-on for any of the three plans.
  • Generali has excellent ratings of A+ from the Better Business Bureau and A from AM Best. 
  • Customer reviews highlight an easy claims process, clear terms and helpful customer service .
  • To easily view all travel insurance plans available, try using an online comparison tool .
  • A+ from the Better Business Bureau
  • High medical and medevac limits
  • Every plan includes coverage for trip cancellation
  • Higher cancellation limits
  • Pre-existing conditions only covered in the premium plan
  • Baggage delay coverage requires 12 hour delay (long)

Yes, Generali travel insurance is a good choice for a travel insurance provider.

Generali is one of the largest travel insurance brands in the world. The company has been in business for 32 years, and it’s also accredited by the Better Business Bureau. 

Generali has an A+ BBB rating and an A (excellent) AM best financial rating, which means it has an excellent ability to  meet its ongoing insurance obligations . In other words, the company isn’t likely to fail.

Unlike many travel insurance providers, Generali offers comprehensive plans at every level . Even the most basic plans include several types of insurance coverage. That’s why Generali Standard is one of the top five most popular travel insurance policies sold on our website.

Here’s a look at the main highlights and benefits of Generali travel insurance.

Bottom line: Main highlights of Generali travel insurance

Generali Global Assistance only offers three travel insurance plans, but each one is extremely comprehensive. 

All three plans offered by Generali Global Assistance have high medical and medevac limits , giving you extra peace of mind for both domestic and international trips. This can be especially beneficial if you plan to travel to a remote area where you may need much higher medevac insurance limits.

In addition to medical and medical evacuation coverage , every plan includes coverage for trip cancellation , trip delays, trip interruptions and lost/damaged baggage. That’s not always the case with travel insurance. Generali Global Assistance travel insurance also has higher limits for these scenarios, which is a huge benefit because delays, cancellations and interruptions are so common.

Generali Global Assistance offers three travel insurance plans: Standard, Preferred and Premium.

Generali Global Assistance

Generali standard.

This insurance plan is great for travel within the United States, North America and the Caribbean. It comes with $50,000 in medical insurance per person, which is ideal for supplementing your existing U.S. health insurance plan. The Standard plan also includes $1,000 in coverage for lost or stolen baggage, $200 per person for baggage delays and up to $250,000 in emergency assistance and transportation benefits.

Generali Preferred

The middle-of-the-road insurance plan has high coverage limits for trips abroad or within the United States. In general, you’re paying for higher limits on all standard benefits, but the plan does come with a few extras. For example, the Preferred plan includes dental coverage, additional accidental death and dismemberment (AD&D) benefits and insurance for lost or damaged sports equipment.

Generali Premium

This insurance plan is best for premium coverage on international trips or trips to remote locations where you may need higher plan limits and payouts. It comes with $250,000 of medical coverage per person and $2,000 per person in baggage coverage. The Premium plan also includes rental car coverage as a standard benefit.

Optional rental car collision damage waiver

Generali Global Assistance also offers $25,000 in rental car damage protection. This is an optional benefit, so it doesn’t come standard with any of the three insurance plans described above. However, you can pay extra to opt in and get upgraded benefits.

If you add this type of insurance to your plan, you’ll be covered for losses due to vandalism, collision, inclement weather and theft.

The company will pay the lesser amount of the following:

  • The cost to repair the vehicle and any rental fees charged while it’s out of service
  • The cash value of the vehicle

This type of travel insurance doesn’t apply to vehicles that are more than 20 years old, vehicles used for commercial purposes or vehicles with a manufacturer’s retail price exceeding $75,000. There are some additional exclusions, so read your travel insurance policy carefully to ensure you understand what’s covered.

Things not covered by Generali Assistance USA Travel Insurance

Generali Global Assistance offers comprehensive travel insurance, but its plans don’t cover everything. 

These items are excluded from the Standard, Preferred and Premium insurance plans:

  • Financial defaults: In the insurance industry, financial default coverage protects you in the event that a travel supplier suspends its operations due to financial difficulties. Generali’s travel insurance plans don’t come with this type of coverage.
  • Cancel for any reason: Cancel-for-any-reason travel insurance allows you to recoup your costs for any reason, even one that isn’t listed as a “covered reason” under your basic trip cancellation coverage. Generali offers this type of insurance as an add-on, but cancel-for-any-reason coverage isn’t included with the Standard, Preferred or Premium plans.
  • Pre-existing conditions: When you’re looking at travel insurance, a pre-existing condition is any health problem that you had before you booked your trip. Unless you purchase an add-on, Generali doesn’t provide any coverage for these conditions . The company has a 180-day lookback period, which means your illness or injury must be stable for at least 6 months if you want a pre-existing condition waiver.

According to sales data from visitors to our website, the average cost of a Generali Global Assistance travel insurance plan is $282.95 for a 14-day trip.

Of course, many factors go into determining the cost of travel insurance, such as:

  • The type of coverage
  • The number of travelers
  • The length of the trip
  • Your destination

To give you a general idea of how much Generali travel insurance plans cost , we got various quotes for the Standard, Preferred and Premium plans. For all quotes, we used California as the state of residence.

Example Quotes from Generali Global Assistance

One of the best ways to get an idea of quality is to review what Generali customers are saying about it. To help you get a better idea of what Generali customers like (and don’t like), we’ve done the research and listed out the top recurring feedback from real customers on Squaremouth .

What customers like

Customers have mentioned the following as some of the major benefits of purchasing travel insurance from Generali:

  • Easy claims process
  • Clear terms of service
  • Helpful customer service agents

Here are a few comments from satisfied reviewers:

Tatiana from California: “It gave me a peace of mind, and I will use it again in the future.”

Kathryn from New York: “The insurance company sent me a notification and asked if I needed their assistance. I refused because I had a courtesy well check from the hotel physician and was fine. I was extremely pleased with the company’s immediate follow up.”

What customers don’t like

Although this travel insurance provider has thousands of positive reviews, past customers have pointed out a few drawbacks to using Generali:

  • Slow to reimburse
  • Difficulty connecting with a live agent
  • Cumbersome documentation requirements

These reviewers provided negative feedback:

AJ from Massachusetts: “I tried to file a claim; their online claims module failed miserably. It kept rejecting my UN and PW, even though I was logged in and using the same credentials, as required, for the claims site.”

Rinnea from Illinois: “They say claim is under review. It has been since August 18 when they received claim. It is now October 17 and nothing.”

Buying travel insurance from Generali is definitely worth it. It’s a well-established company with several plans to suit your unique needs.

The Standard plan was one of the best-selling plans on our website over the past year, indicating it was one of the most popular options with customers.

Generali is right for customers who need comprehensive travel insurance and don’t want to spend time picking from 10 or 12 plans. Although the company only offers three types of travel insurance, each plan includes valuable benefits.

The Standard plan is ideal for budget-conscious consumers who need travel insurance and don’t want to spend a lot of money. Generali’s standard benefits are well-suited for people taking trips within the United States, Canada, Mexico and the Caribbean.

Generali’s Preferred travel insurance is ideal if you’re traveling internationally or planning an expensive trip within the United States. It increases the limits on standard benefits and adds dental coverage, travel insurance for lost or damaged sports equipment and extra AD&D coverage.

Premium travel insurance is best for travelers who plan to travel overseas or spend time in remote locations, as it costs a lot more to get emergency care in a remote area than it does in a big city. The Premium plan comes with high coverage limits and adds rental car coverage as a standard benefit.

If you’re looking for a larger selection of plans, you may want to go with a different travel insurance provider.

Are Generali travel insurance plans good?

Yes. Although the company only offers three travel insurance plans, each one comes with solid coverage limits. Every plan also includes coverage for trip delays, trip interruptions, trip cancellations and lost/stolen baggage, which is unusual for such inexpensive travel insurance. Depending on which plan you purchase, Generali Global Assistance may reimburse you for anywhere from 125% to 175% of your trip cost for travel interruptions.

Does Generali cover COVID-19?

Yes. Each travel insurance policy covers COVID-19  as part of its standard benefits. For example, if you come down with COVID-19 after your trip begins, the company may reimburse you for all non-refundable expenses under the terms of your trip interruption coverage. You may also be able to use trip cancellation coverage, medical benefits, medical evacuation insurance or other travel insurance benefits to recoup your costs.

Does Generali include 24/7 travel assistance?

Yes. The company offers 24/7 travel assistance for customers who need help navigating international medical systems, finding emergency medical resources, using travel insurance benefits or returning home due to a medical emergency.

Does Generali travel insurance come with a money-back guarantee?

If you aren’t happy with the coverage you purchased from Generali Global Assistance, you have 10 days from the date of purchase to contact the company and cancel. As long as you haven’t started your trip or filed a claim, Generali will reimburse you for the full cost of your plan. Note that Indiana residents are eligible for a refund up to 30 days after the original purchase date.

Does Generali have an app for travel insurance claims?

Generali doesn’t have an app for submitting travel insurance claims. However, it does have an online portal. You can always use your smartphone or tablet browser to access the portal and start the claims process.

Does Generali travel insurance cover trip cancellations?

Yes. Unlike many insurance providers, Generali includes trip cancellation coverage as a standard benefit with all three of its plans. If you have to cancel your trip for a covered reason, the company will reimburse you for any prepaid, non-refundable expenses. For example, if you paid $1,500 for flights and can’t get a refund from the airline, you may be eligible for reimbursement from Generali.

Does Generali travel insurance work abroad?

Yes. All three of Generali’s insurance plans work abroad, but we recommend that you buy the Preferred plan or the Premium plan if you intend to do any international travel. These plans have higher limits than the Standard plan, so they’re more helpful if you have some type of emergency while you’re overseas.

Leigh Morgan

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last 5 years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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How to plan a trip to Bali, Indonesia

As the world’s largest archipelagic nation, Indonesia encompasses thousands of geographically diverse destinations, but for culture, nature, adventure and relaxation, Bali stands out.

The tropical Indonesian island of Bali has enticed travellers for over a century with its coralline seas, sacred volcanoes, mist-shrouded lakes and vibrant living heritage. A favoured holiday destination for antipodeans, Bali's irresistible beaches beckon backpackers, surfers and families alike. The south-coast areas of Seminyak, Kuta and Canggu, close to the airport, are where most visitors flock to, but it’s even better when you roam a little further.

Flowers in the foreground with rice paddies and a mountain in the background

Best for: culture Straddling a series of river valleys at the base of Bali’s central highlands, Ubud was once a cluster of villages with an eclectic art colony that drew writers, painters and filmmakers from distant lands. Today, its museums house sprawling collections by the island’s most revered artists and dozens of small galleries exhibit contemporary works, such as Purga Artspace , attached to the endearing library cafe, Littletalks Ubud . Listen out for the exuberant polyphony of gamelan (traditional ensemble music) emanating nightly from the temples. Ubud also hosts a celebration of contemporary artists, Ubud Open Studios , and Southeast Asia’s largest annual literary event, Ubud Writers and Readers Festival .

Be sure to visit one of Bali’s best independent bookstores, Ganesha Bookshop , and one of the nation’s leading traditional textile conservationists, Threads of Life . Delve further into Ubud’s cultural past and present and see a host of archaeological treasures on a walking tour led by Ubud Story Walks . After a culture-packed day, refresh in a secluded bungalow and the natural stone pool at Rumah Semanggi . For a culturally immersive stay, Gayatri and Honeymoon Guesthouse both preserve Bali’s ornate architectural style, while an edifying introduction to Indonesia’s diverse regional cuisines can be found at Warung Pulau Kelapa , Nusantara and Hujan Locale .

Flowers in the foreground with a Hindunese temple on a lake in the background

Best for: nature The crisp air of Bedugul, a horticultural district in the undulating hills of central Bali, is a welcome reprieve from the dense humidity of the south. Overlooking Lake Beratan — said to have been Bali’s largest lake until an earthquake split it into three — lies Indonesia’s biggest botanical garden, Kebun Raya Bali. Established in the late 1950s, it contains 2,400 species from across the archipelago, including a giant ficus thought to be over 100 years old whose towering, Tolkienesque roots have tangled into awe-inspiring arches. A stroll east past ancient cycads is one of the island’s most picturesque picnic spots: a grassy slope fringed by the saffron blooms of flame trees before the duck-egg blue lake beyond.

Visitors can wake to this view at Kebun Raya Bali's onsite Guesthouse Etnobotani or take a 20-minute drive along the northeastern shore of neighbouring Lake Buyan to Giriwood , a boutique hotel with villas enveloped by the Wanagiri forest. Around one mile north is the trailhead to Banyu Wana Amertha, an ensemble of four exquisite waterfalls. When it’s time to refuel, the bebek timbungan —   tender, aromatic duck cooked in bamboo — at Secret Garden Village is a delicious option.

Villages along a coastline with a mountain in the background

Best for: adventure Against the backdrop of majestic Mount Agung, Bali’s tallest and most sacred volcano, Amed on the island’s northeast coast is as enchanting below the water as it is above. A string of seven fishing villages fanning out from black sand shores, its usually calm seas and fertile volcanic soils have created a haven for weird and wondrous creatures. From otherworldly nudibranchs (soft-bodied marine molluscs) to mind-boggling mimic octopuses, the critters lurking in Amed’s silty depths have secured its reputation as a global hotspot for macro diving — a style of diving named after the kind of lens photographers use to capture such colourful marine life. Meanwhile, just over nine miles northwest in the shallow waters of Tulamben lies the coral-draped skeleton of the USAT   Liberty , one of the most accessible wreck dive sites in the world.

If you prefer snorkelling over scuba diving, keep an eye out for hawksbill sea turtles gracefully gliding over the reefs fringing the coast. One of the healthiest reefs is just over 300ft west of The Kampung , two collections of charming wooden seafront bungalows and a spacious villa for up to ten guests. You can order in hearty Indonesian meals from Warung Agung (try the fragrant pepes ikan — fish steamed in a banana leaf) or sample the superb Spanish omelette from Zaitun.

Aerial view of a white-sand beach with traditional Balinese boats anchored

Best for: relaxation One of the island’s oldest tourism areas, Sanur’s gentle charm and relatively minimal traffic make it popular among visitors seeking Bali’s more serene side. In contrast to the southwest’s barrelling swells, Sanur’s southeast coast is an almost constantly calm tidal lagoon protected by distant reefs. At sunrise and sunset when the wind is low, the lagoon glows like a vast mirror, glassy and luminescent, reflecting the celestial hues of the changing sky. On clear dusks and dawns, the silvery silhouette of Mount Agung soars above the horizon.

A paved path — the first beachfront walk in Bali — stretches across the sand from Sanur Beach to Mertasari Beach around four miles south. Recently doubled to designate pedestrian and cycle lanes, it’s lined with clothing stalls, cafes, seafood restaurants and resorts, such as the boutique Tandjung Sari . Established in the early 1960s, the luxury heritage hotel has an open-air restaurant that serves refined Indonesian dishes and international favourites beneath the curving limbs of towering trees adorned with lanterns. Families looking for a relaxing getaway will enjoy the miniature water park at Prama Sanur Beach Bali and appreciate the creative comfort food at Soul on the Beach and Shotgun Social .

Related Topics

  • ADVENTURE TRAVEL
  • FAMILY TRAVEL
  • TRAVEL AND ADVENTURE
  • CULTURAL TOURISM

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Major League Mommy

The 10 Best Spring Break Destinations for Families in 2024

S pring break offers a special opportunity for families to take a break from their daily routines and have some fun. It's the perfect chance to spend quality time together and create special memories.

But of course, choosing the right destination is key when it comes to an enjoyable spring break, and we want to help you out. Here are a few of the best spring break destinations for families along with some tips to make your vacation even more enjoyable!

*Post may contain affiliate links. Full disclosure can be viewed here .

Before you book your travels, you may want to consider travel insurance for your family. If this is something you are interested in, make sure you get your quote HERE.

A Few Things to Consider When Choosing a Spring Break Destination

Before finalizing your spring break destination, there are some important things to keep in mind. Firstly, location plays a significant role. Make sure you choose a destination that is easily accessible and offers a variety of attractions appropriate for all family members. Additionally, consider the travel time involved, as long journeys may not be ideal for young children .

Also, look for family-friendly amenities such as resorts with kids’ clubs, pools, and entertainment options fit for different age groups. With the right amenities, the entire family can have a great time.

Of course, we can't discuss booking a vacation without discussing the budget. Plan your finances carefully and make sure that the chosen destination is affordable without compromising on the quality of the experience. Do your research and keep in mind these tips for an affordable family vacation .

Tailoring the chosen destination to the specific interests and needs of your family members is also very important. If your family enjoys outdoor activities, consider destinations with hiking trails, water sports, or adventure parks. Alternatively, if your family has a passion for history and culture, opt for destinations with museums and historical sites.

Top Spring Break Destinations for Families

Great for beach getaways and theme park vacations.

Orlando, Florida, USA

Known as the “Theme Park Capital of the World,” Orlando offers a ton of fun and entertainment for families. From Walt Disney World Resort to Universal Orlando Resort, there are plenty of attractions to keep everyone entertained. Check out all these fun things to do in Orlando .

Great for Beach Getaways and Cultural Experiences

Cancun, Mexico

Cancun has beautiful beaches and vibrant nightlife making it a popular choice for family members of all ages seeking both relaxation and adventure. You can enjoy water sports, explore ancient Mayan ruins, or simply soak up the sun on the beach.

Barcelona, Spain

This vibrant city offers a perfect blend of culture, history, and family-friendly attractions. Visit the iconic Sagrada Familia, stroll along Las Ramblas, and of course enjoy the beautiful beaches of Barceloneta.

Maui, Hawaii, USA

This tropical paradise is the perfect getaway for families. You can enjoy snorkeling in crystal-clear waters, visit Haleakala National Park , and experience the Hawaiian culture through events like traditional luaus.

Bali, Indonesia

Known for its absolutely beautiful landscapes and warm hospitality, Bali is a great choice for a spring break destination for families. In Bali, visitors can enjoy beautiful beaches, visit ancient temples, and immerse themselves in the vibrant Balinese culture.

Great for Cultural Experiences and Theme Park Vacations

Dubai, United Arab Emirates

Dubai is known for its luxury and opulence, and is a unique spring break experience for families. You can enjoy exciting experiences at theme parks like LEGOLAND Dubai, visit the world’s tallest building, Burj Khalifa , and explore the desert dunes.

Tokyo, Japan

In Tokyo, families can enjoy attractions like Tokyo Disneyland, visit historic temples, and indulge in delicious Japanese snack s and cuisine.

Great for Cultural Experiences

London, United Kingdom

Immerse yourselves in the rich history and culture of London. Visit famous landmarks like the Tower of London and Buckingham Palace, explore world-class museums, and watch a musical in the West End.

Great for Outdoor Adventures

Sydney, Australia

With its beautiful beaches, iconic landmarks, and diverse wildlife, Sydney is a great destination for families. You can explore the Sydney Opera House, visit the Taronga Zoo, and take a scenic coastal walk at Bondi Beach.

Cape Town, South Africa

Cape Town, with its stunning scenery and diverse wildlife, is the perfect destination for adventurous families. You can explore Table Mountain, visit the Cape Peninsula, and go on a safari in nearby game reserves.

Tips for Planning a Successful Family Spring Break Trip

To plan a successful family spring break trip, start by booking accommodations well in advance. Make sure the chosen accommodations are spacious and comfortable enough to accommodate the needs of your family. Consider options such as renting a vacation home or booking a suite that provides separate sleeping areas for children.

Packing essentials is another important thing to consider. Make sure to pack clothing suitable for the destination’s climate and activities. Do not forget to bring essential items like sunscreen, insect repellent, your Magic Molecule spray with your first aid kit, and any necessary medications. It is also wise to bring entertainment items such as books, games, or tablets to keep children engaged during travel or relaxation time.

Managing travel logistics is also another thing to consider for a stress-free trip. Plan your itinerary in advance, including transportation arrangements, sightseeing activities, and dining options. Organize your travel documents, such as passports and tickets, in a secure and easily accessible location.

Get Ready to Pack your Bags

Choosing the right spring break destination can make a huge difference in creating those special family moments and really getting to bond with one another. Always keep in mind the preferences and needs of each individual family member, and choose a destination that offers a balance of relaxation, adventure, and entertainment.

By planning ahead and taking into account everyone’s comfort and enjoyment, you can guarantee a successful and enjoyable family spring break trip. Now get ready to pack your bags and enjoy your spring break vacay!

The post The 10 Best Spring Break Destinations for Families in 2024 appeared first on Major League Mommy .

The 10 Best Spring Break Destinations for Families in 2024

  • Best Business Bank Accounts in Australia

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To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Our Pick Of The Best Business Bank Accounts For Australians

Updated: Feb 28, 2024, 4:38pm

Reviewed By

Setting up a business bank account is a fundamental step when starting your own business, enabling you to operate legally, track performance, manage cash flow, and keep the tax office off your back.

Like all financial products, there are differences between the business bank accounts available on the market. As a savvy business owner, you should always shop around and compare to find the best business bank account for your needs.

Related: 10 AI Tools for Australian Businesses

What Is a Business Account?

Types of business bank accounts, how to compare business bank accounts, our pick of the best business accounts in australia, suncorp business premium account, heritage bank business cheque account, commbank business transaction account, amp cash manager account, macquarie business savings account, hume bank business isave account, how to open a business bank account in australia, frequently asked questions (faqs).

  • Bank Interest Rates
  • Big Four Banks
  • How To Set Up A Bank Account Online
  • How To Open A Business Bank Account

A business bank account can include transactional and high interest savings accounts that are specifically designed to help you manage business-related income and expenses. Separate bank accounts for your business funds is not only a legal requirement for many businesses, it helps you run a tight ship.

“All businesses should have separate accounts—this will allow them to put money aside for important things such as tax, rainy days and employee obligations,” according to chartered accountant and partner at Carbon Group, Michelle Maynard.

“Only having one account runs the risk of not saving for those future liabilities—meaning (you may) get into trouble.”

Am I Legally Required to Open a Separate Business Account?

According to the Australian Tax Office , if your business is structured as a company, trust or partnership, you must have a separate bank account. You’re also required to keep banking records for five years, which is why online banking that simplifies record-keeping is a popular choice for Australian businesses.

For company owners and directors especially, a business bank account is critical for staying compliant. Companies are separate legal entities—meaning you can’t use money earned by the company for personal purposes. So, you can pay yourself a wage, but you can’t withdraw money at will to pay for your groceries.

Do Sole Traders Need a Business Bank Account?

Sole traders—which includes those who are self-employed, freelancers and independent contractors—can technically get away with using a personal bank account. But Maynard recommends that sole operators also create a clear distinction between business and personal funds.

“Have a dedicated business bank account where your customers pay you, and you pay your suppliers. This will make it easier to track,” Maynard adds.

“If you want to take funds from the business, transfer them to your personal everyday account.”

She said sole traders should also have at least one separate savings account to hold money to cover future tax bills.

There are two main types of business bank account offered by lenders:

  • Everyday transaction accounts for day-to-day banking such as accepting payments and making payments. These may be designed for internet banking only, or also support in-person banking and lots of cash deposits. They generally have low to non-existent interest rates on your savings.
  • High interest savings accounts designed to help business owners grow their funds by earning interest. Just like in personal banking, there may be conditions attached to earning a higher rate of interest—such as minimum deposit amounts per month and linked products. Also, beware the lure of very high rates that are merely introductory and revert to a much lower interest rate after six or nine months.

For company owners and directors especially, a business bank account is critical for staying compliant. Companies are separate legal entities—meaning you can’t use money earned by the company for personal purposes. So, you can pay yourself a wage, but you can’t withdraw money at will to pay for your groceries 

Michelle Maynard says businesses are wise to open both an everyday transaction account and a savings account. You might even prioritise a bank that enables you to create multiple business savings accounts so you can separate savings by their purpose: e.g., BAS/GST/PAYG withholding, and income tax.

Here’s how Maynard suggests you leverage your multiple business accounts:

  • Have customers pay you via your everyday transaction account, and also pay your suppliers from that account.
  • Each week or pay run, transfer the equivalent GST from your weekly invoices/sales, plus the PAYG withholding and superannuation for employees, into your savings account.
  • Each week, roughly calculate an income tax percentage (say, 20% of invoices/sales) and transfer amount to a savings account.

“By doing these things regularly, you will ensure you are building the right buffers so you don’t get unexpected bills when lodgements are due,” she says.

“If there is sufficient cash flow, also consider putting some aside for a rainy day—whether that be an unexpected bill or expense, wanting to purchase a large piece of equipment, or future business plans.”

You might find it easier to open a business account with the institution where you do your personal banking—due to streamlined application processes and transferring between accounts. But Maynard cautions you should focus on setting up your business accounts in the most efficient manner, as opposed to the most convenient, to avoid the considerable hassle of changing accounts later on.

“So, investigate and think about how you will need the accounts now, and in the future. Will you need to add an eftpos or online payment option? Can your bank and the chosen account you have work with that?” she says.

“While it might take some more legwork to set up with a different provider—the convenience you save in the beginning might be far outweighed by issues in the future if you don’t get it right.”

Business Bank Account Features To Consider:

  • Ongoing and one-off fees: Check what you’ll pay for monthly account-keeping fees, ATM usage, in-branch transactions and more complex assisted transactions such as depositing cash or cheques.
  • Accessibility and speed of transactions: Which processes and technologies matter most to you? For instance, some online accounts won’t support cash deposits, a savings account may only enable direct debits/credits with no associated card or eftpos payments, and a bank may not incorporate real-time payment tools like PayID or Osko.
  • Overdraft availability and limits: If the ability to go into negative balance without taking out a loan is important for your cash flow, check you can add overdraft facilities to your account and review the interest payable on overdraft balances.
  • Interest rates and conditions: Both transaction and savings accounts may offer interest, although a dedicated savings account usually has a better rate. Always compare based on the standard variable rate outside any short-term, introductory or conditional offers.
  • Online banking and app features: Some products come with sophisticated in-built reporting, expense tracking and goal-setting tools that may benefit business owners. Does it provide bank feeds to integrate with your accounting software—such as Xero or MYOB?
  • Broader merchant support: If you’ve got plans to expand your business through in-person sales or an eCommerce website, you may want to choose a bank that can help you realise those ambitions down the track.
  • Security and access: If you need multiple people within the business to have access, consider how the account handles multiple signatories and its approach to cyber security.

Maynard says that while cheques are pretty much non-existent and cash handling is dwindling in Australia—some businesses do still need to accommodate payments in cash and cheques.

“So, think about that when making your bank choice—is there a branch or deposit ATM nearby that you can access?” she says.

“Again, you don’t want to waste energy and time driving around to find a branch, so factor how you are going to use the account when deciding what account and bank to use.”

Maynard said finding a good rate on your business savings account was important, but having to meet certain conditions can be a downside.

“For some that offer higher savings there is a minimum deposit and limited withdrawal condition placed on it. Don’t be blinded by the interest rate offer—make sure it will actually work with how you need and want to use the account,” she says.

There are a few accounts that combine everyday transactions and the ability to earn interest (we’ve included a few in our list below), but having a separate savings account can help you be more organised and be psychologically important to avoid spending.

“For your savings accounts, try to have them with another institution than what you have your transaction accounts with—this will mean it will be harder to access those funds, and you can’t do a quick transfer. Hopefully that stops you dipping into the savings unless you really need it,” Maynard says.

However, she says a better approach for sole traders could be to allocate savings into an offset account linked to your mortgage.

“The interest you save on the mortgage will normally be more than what is paid on savings accounts—plus you don’t pay tax on it,” she adds.

We’ve highlighted some of the best business transaction and savings accounts below.

Note: The below list represents a selection of our top category picks, as chosen by Forbes Advisor Australia’s editors and journalists. The information provided is purely factual and is not intended to imply any recommendation, opinion, or advice about a financial product. Not every product or provider in the marketplace has been reviewed, and the list below is not intended to be exhaustive nor replace your own research or independent financial advice. For more information on how Forbes Advisor ranks and reviews products, including how we identified our top category picks, read the methodology selection below.

Suncorp Business Premium Account

$0 account-keeping or electronic transaction fees

Linked cards

Visa Business Debit card

Interest earned

0.01% interest paid on all balances

Suncorp has won Money’s Business Bank of the Year multiple times, including in 2023, due to its customer-focused approach.

Businesses can earn a higher rate of interest with a feature called flexiRates, which is like a quasi term deposit—you lock away a portion of savings for between three to 12 months to earn interest of up to 4.70% (with no early release fee).

If you take out a Suncorp business loan there’s an offset feature—meaning money in your Premium Account is offset against your business loan balance. In terms of fees, there are free assisted transactions and deposits of cash and cheques; free, unlimited deposits or withdrawals at Suncorp ATMs; and a 3% transaction fee for international purchases.

Linked merchant facilities are available, such as EFTPOS devices that integrate with point-of-sale systems, eCommerce, BPAY, and recurring credit card payments. Overdrafts require an application and are subject to credit approval.

Heritage Bank Business Cheque Account

Visa Business Debit card.

0.01% interest paid on balances of $1 or more

Heritage Bank is lauded for its customer service and offers 24/7 local contact if you need help with your business banking. Day-to-day transactions with zero fees and the ability to earn interest on your balance makes this a simple, cost-effective option for business owners. Note: Heritage Bank is a customer-owned bank, so you will have to sign-up as a member first.

There are free assisted transactions and deposits of cash and cheques, including at Australia Post, as well as free deposits or withdrawals at Heritage ATMs and some big four bank ATMs. There is a $5 currency conversion fee for overseas ATM or over-the-counter withdrawals. Overdrafts require an application and are subject to credit approval.

CommBank Business Transaction Account

No interest paid on balances

Recognised as Australia’s most-recommended business bank at the DBM Australian Financial Awards in 2023, CommBank covers the bases when it comes to dependability, features and user-friendliness of its online and app-based banking.

Free, unlimited deposits or withdrawals are available at CommBank ATMs, while  international purchases attract a 3% fee. While no interest is paid on balances you can link your account to a Business Online Saver account to get higher rates of between 0.25% and 1.25% (depending on your balance amount). If you need assisted transactions, you can get up to five per month for a monthly fee of $10.

Note: Commbank took over business accounts held with the highly lauded BankWest in 2022.

AMP Cash Manager Account

From 0.60% variable interest

With AMP’s Cash Manager Account, your business revenue is available to use as needed for online banking, eftpos, BPAY and transfers between accounts, yet you can earn an attractive interest rate with no conditions. This includes 0.60% variable interest on balances up to $10,000; 4.80% interest on balances between $10,000 and $250,000, and 4.35% for up to $5 million.

AMP is better-known as a superannuation provider, but its banking products are competitive—especially if your business has little need for over-the-counter assistance.

There are also free, unlimited deposits or withdrawals at all Australian ATMs (fees rebated), and free Bank@Post access for transactions involving cash and cheques.

Macquarie Business Savings Account

Linked Cards

4.65% variable interest paid on balances up to $1 million

Simply put, Macquarie’s Business Savings Account offers a great interest rate if you want a no-frills business savings account, with no penalty for using your savings as you please.

Keep in mind, there’s no access to bank feeds for accounting software integration and no debit/credit card or EFTPOS facilities. Its digital application process promises a fast approval. Note, this account is for sole traders and proprietary companies only (no trusts).

Hume Bank Business iSave Account

2.50% variable interest paid on balances of $10,000 plus

If you just need internet and phone banking, and a place to ‘park’ your business savings to earn interest, Hume Bank offers an appealing interest rate. If you want to keep your business banking together and primarily bank online, the bank’s business transaction account is also good value—it has no account-keeping fees, lets you earn interest of 0.01% on balances, and comes with a Visa Debit card, payroll processing, as well as optional overdraft.

With the iSave account, there are also free, unlimited BPAY, direct debits and credits, Osko and PayID options. However, there are no cash or cheque deposits, ATM/cash withdrawals or EFTPOS, and there’s a $5 fee to issue a bank cheque.

To open a business bank account you’ll need to prove your identity and your connection to the business in question. You may be asked to provide:

  • Your personal details and identification documents.
  • Personal details for all other owners and partners.
  • Your business name, address and industry type.
  • Your ABN and/or ACN numbers.

You may also be asked to provide proof such as a copy of your partnership agreement, the certificate of registration of your business name, or your ASIC certificate of registration. Depending on the services offered by your chosen bank, you may be able to complete your application online (most common), over the phone/email, and via a branch.

Which bank is best for business banking?

The best bank for business banking depends on the needs of your business and how you want to organise and manage your finances. For instance, some accounts offer better value if you only bank online, yet some businesses may have considerable cash handling requirements.

What are the disadvantages of a business bank account?

One disadvantage of savings accounts aimed at businesses can be that, in order to receive the highest rate, you need to meet conditions like a minimum deposit amount, or there may be limits on withdrawals. “Don’t be blinded by the interest rate offer – make sure it will actually work with how you need/want to use the account,” Michelle Maynard from Carbon Group said.

Can I transfer money from personal to business account?

Your business bank accounts exist to help you keep track of business income and expenses. Day-to-day, it doesn’t make sense to transfer personal funds into a business account—and it’s less messy at tax time if you avoid cross-contamination. However, when you’re first starting your business, or setting up your account, the funds to operate your business may come from your personal cash reserves. It’s wise to speak to your accountant or business adviser about the smartest, tax-effective way to fund your business with personal money.

Jody McDonald is a freelance writer based in Brisbane who specialises in writing about business, technology and the future of work. She’s helped a range of SaaS platforms and tech companies share their stories, and has written for the Mortgage and Finance Association of Australia magazine, MYOB Pulse, Anthill Magazine, Crypto News Australia and The Chainsaw.

Italy’s Amalfi Coast is getting a new airport this summer

Travelers will be able to bypass naples and avoid the overland trip south starting in july.

the best travel insurance for bali

The Amalfi Coast will open a new airport in July, just in time for the summer crush. The new facility south of Salerno, Italy, will allow travelers to bypass Naples, the primary access point for the area, and fly directly to the popular tourist destination in the Campania region.

“The opening of the Salerno-Amalfi Coast airport has been awaited for many years, and it will be an opportunity for the development of lesser-known areas,” Marco Ferrara, chief executive of Salerno Incoming Tour and Stay , an Italian tour operator, said by email. “Tourism on the Amalfi Coast has always been Napolicentric — focused on the side closest to Naples — so this could move the center of gravity further south.”

The Salerno Costa d’Amalfi Airport will open in phases. The Spanish budget airline Volotea will start offering limited service from Nantes, France, on July 11 and from Cagliari, Sardinia, on July 13. The carrier will add flights from Catania in Sicily and Verona on Sept. 2. According to the airline’s website, one-way fares start at $34, depending on the destination. EasyJet , the British budget carrier, will also launch new routes to Salerno in July: from Milan Malpensa on July 11; Berlin, Geneva and Basel, Switzerland, on July 12; and London Gatwick on July 13. The inaugural flight from Milan starts at $52 one way.

“I’m an EasyJet frequent flier,” said Nigel Carley, a Cilento Coast resident who runs the Pinelli Group , a luxury property development company, “and they’re already telling me it’s coming.”

The Gestione Servizi Aeroporti Campani (GESAC), which manages the Naples and Salerno airports, said it will announce more airlines in the near future. Carley expects Ryanair will add the Amalfi Coast to its route map. The ultra-low-cost carrier did not respond to a request for comment.

According to GESAC, the Salerno airport will serve about 200,000 passengers in the first six months of opening, a period that overlaps with the area’s peak summer season. The company said the number of travelers could balloon to 4 or 5 million a year, based on demand. The Naples International Airport, which is about 40 miles north of the town of Amalfi, handled 12.4 million passengers in 2023, according to airport officials. The Salerno airport is slightly closer to Amalfi, at 28 miles; its eponymous town is only 13 miles away.

“The project [will] split the flight traffic between Naples and Salerno,” Ferrara said, adding that the flights will probably be short- or medium-haul instead of transatlantic.

The Salerno airport has a long and intriguing résumé. It was founded by the country’s military air force in 1926 and was active during World War II. It was used as a training center for the Carabinieri police force, firefighters and flight students. It was also a landing pad for private aircraft and, from 2008, for commercial flights, too. The airport stopped commercial aviation activities in 2016.

GESAC expects the expanded airport to be ready by 2026 or 2027. On its to-do list: extending the runway to 7,218 feet and constructing a 172,223-square-foot passenger terminal that is scheduled to open in 2026. The Dutch design firm Deerns , which has helped plan Amsterdam Schiphol airport and airports in Abu Dhabi in the United Arab Emirates and Kuwait City, will oversee the terminal project.

Initially, the airport will offer passengers basic services and amenities, such as a snack area stocked with Campania specialties, a newsstand, a tobacconist and a rental car desk. The new terminal will provide a wider variety of shops and dining options in the “artisanal and gastronomic tradition of the Amalfi Coast and the Campania region,” said a GESAC spokeswoman.

The Salerno airport will streamline the journey to the Amalfi Coast. Travelers typically fly to Naples and hire or rent a car. The drive can take anywhere from an hour to 90 minutes, depending on traffic and the destination. Visitors can also catch a bus, train or ferry. For some towns, a combination of travel modes is required.

“It’s going to take a lot of traffic away from Naples,” Carley said, “so it will have a positive effect on the environment, not a negative one.”

Italy is grappling with overtourism , which is causing some towns and regions to implement fees and restrictions to curb the crowds. Starting in April, Venice will require daily visitors to pay a roughly $5.50 entrance fee during busy times and days. In 2019, Amalfi Coast officials introduced an alternating license plate system for nonresidents on the 22-mile stretch of road between Positano and Vietri sul Mare. During peak periods, rental cars with odd numbered plates can’t drive on odd-numbered dates. The same rule applies for even numbers.

To alleviate the stress on the scenic roads, Campania region officials will extend the metro rail from the town of Salerno to the airport. Carley said a new toll road that connects the E45 autoroute to the southern region will also help reduce congestion by siphoning traffic away from residential thoroughfares. The Mediterranean coastline’s UNESCO World Heritage status and the National Park of Cilento, Vallo di Diano and Alburni also act as foils to overdevelopment.

“The Amalfi desperately needs this airport to improve tourism,” Carley said, “but we are putting sustainability at the forefront.”

More travel news

How we travel now: More people are taking booze-free trips — and airlines and hotels are taking note. Some couples are ditching the traditional honeymoon for a “buddymoon” with their pals. Interested? Here are the best tools for making a group trip work.

Bad behavior: Entitled tourists are running amok, defacing the Colosseum , getting rowdy in Bali and messing with wild animals in national parks. Some destinations are fighting back with public awareness campaigns — or just by telling out-of-control visitors to stay away .

Safety concerns: A door blew off an Alaska Airlines Boeing 737 Max 9 jet, leaving passengers traumatized — but without serious injuries. The ordeal led to widespread flight cancellations after the jet was grounded, and some travelers have taken steps to avoid the plane in the future. The incident has also sparked a fresh discussion about whether it’s safe to fly with a baby on your lap .

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