should i get travel insurance for bali

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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.

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.

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!

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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.

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!

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.

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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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.

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!

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

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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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Best Travel Insurance for Bali – Price & Requirements

Home | Travel | Asia | Indonesia | Bali | Best Travel Insurance for Bali – Price & Requirements

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.

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.

5% OFF your travel insurance

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.

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.

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 .

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 .

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 .

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.

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!

Ascen Aynat

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

Hello, am I able to get this cover while in Bali, i usually get travel insurance prior to leaving but apparently if i dont have return ticket (which I don’t as i have the 180 days option) they would offer the 90 days free (my bank) only found this out on the day I was leaving so wasn’t planned. Now in bali and just want to make sure my son and I can get some cover soonest. Thanks in advance, Bron

Hi Bron, Some travel insurance companies let you buy a policy even if you’re already abroad. For example, Heymondo can get you covered for your Bali trip. Good luck!

Hello Ascen, a group of family are travelling to Bali next year, we have heard that there are some insurance companies that will not cover you if you ANY alcohol in your system. As there will drinking on our trip we are concerned. Would you know if this will apply to any of the above mentioned Insurance companies?

Warmest regards,

Hi Zena, Most insurance companies won’t cover any injuries or incidents that result from having a blood alcohol level above the legal limit. If you’re socially drinking, you should be okay, and you can still purchase a travel insurance policy for Bali.

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

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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• Travel Insurance Bali

On This Page

• Key takeaways

Do I need travel insurance to visit Bali?

Our top picks for the best travel insurance for bali, bali travel information & requirements, why bali travel insurance is important, what does travel insurance for bali cover, what isn’t covered by travel insurance for bali, how much does travel insurance for bali cost, tips for getting the best bali travel insurance, faq: bali travel insurance, related topics.

Travel Insurance for Bali: US Visitor Requirements & Quotes

• You’ll need a visa and a valid U.S. passport to travel to Bali.
• It’s a good idea to purchase travel medical insurance because Indonesia does not accept U.S. health insurance .
• According to our research, our top picks for travel insurance for Bali come from Seven Corners, Travelex and Tin Leg ( skip ahead to view these plans ).
• While the cost of travel insurance varies depending on the provider, type of coverage and more, the cheapest plans can cost as little as $1 per day .
• To find the best deal, we recommend using an online comparison tool . This way, you can view multiple quotes and coverage options at once.

If you’re in the mood for an island getaway, you can’t go wrong with a trip to Bali. Breathtaking waterfalls, sandy beaches, mountain summits and hidden caves await you.

Before you pack your bags, however, we highly recommend that you purchase comprehensive Bali travel insurance. 

In this guide, we’ll help you understand:

• Travel requirements for Bali
• Why it’s important to purchase a comprehensive travel insurance plan
• What travel insurance for Bali covers and doesn’t cover
• How to find the best travel insurance policy for your needs

Our top picks for the best travel insurance bali

• Seven Corners: Best for Robust Coverage
• Travelex Insurance Services: Best Rated Travel Insurance
• Tin Leg: Best for Travel Delays

Seven Corners

Travelex insurance services.

There’s no legal requirement to have travel insurance , but we highly recommend purchasing a travel plan with coverage for trip cancellation, trip interruptions, medical expenses, medical evacuation and other common scenarios. 

A good travel insurance plan protects you from significant financial losses in the following circumstances:

• You incur unexpected medical expenses while you’re island-hopping in Indonesia.
• You need emergency evacuation services due to a severe illness or injury.
• An unforeseen natural disaster forces you to cancel your trip or end it early.
• The airline loses or damages your luggage.
• An unexpected delay forces you to stay in Indonesia for longer than planned.

Best for Robust Coverage

Why we like it.

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Best Rated Travel Insurance

• Plans can be customized with upgrades
• Children 17 and under included for free with some plans
• Coverage for pre-existing medical conditions available
• CFAR coverage is available as an add-on to a comprehensive travel insurance plan
• Optional CFAR coverage only reimburses 50% of prepaid travel expenses, which is less than some competitors
• Travel Select plan only has $50,000 in coverage for emergency medical expenses, which is lower than some competitors
• The baggage delay benefit requires a 12-hour waiting period
• CFAR coverage is not available with all Travelex plans

Best for Travel Delays

• Coverage for pre-existing conditions
• Cancelation & interruption coverage
• Offers hurricane and weather coverage

Are there COVID-19 restrictions for U.S. tourists?

Although the U.S. State Department encourages American travelers to get the COVID-19 vaccine, Bali’s government has no COVID-related restrictions for U.S. tourists. Indonesia  stopped requiring proof of vaccination  on June 9, 2023.

Do I need a visa or passport to travel to Bali?

Yes. You need a valid U.S. passport with at least two blank pages for your entry stamp. Your passport must be valid for  at least six months  following your scheduled arrival date.

You also need to obtain a visa from Indonesia’s  e-Visa system  before your trip. Indonesia offers single-entry visas as well as multi-trip visas. The cost of a visa depends on the length of your stay and the reason you plan to visit Bali. For example, it costs IDR 1,500,000 (around $96) to purchase a single-entry tourist visa for stays lasting no more than 60 days.

Is it safe to visit Bali?

Bali is relatively safe, but it does have an increased risk of natural disasters due to its location in the Lesser Sunda Islands. There’s also some risk of terrorist activity in Bali and other parts of Indonesia. Protect yourself by taking common-sense precautions during your trip.

Risk of volcanic eruptions and natural disasters

Indonesia is located in the Ring of Fire, a belt of earthquakes and volcanoes surrounding much of the Pacific Ocean. Therefore, there’s a high risk of volcanic eruption. Some insurance companies classify volcanic eruptions as foreseen events, which means they won’t cover trip cancellations or interruptions due to volcanic activity. Other firms treat them as unforeseen events.

Risk from sporting activities  

Bali is home to Mount Batur, West Bali National Park and other points of interest. If you decide to go trekking, try SCUBA diving or participate in other adventure activities, you’ll need a comprehensive travel insurance policy to protect you. Depending on the type of policy you buy, your insurer may reimburse you for unforeseen medical expenses, medical evacuation costs and other expenses associated with adventure sports.

Note that most standard insurance plans don’t include this type of coverage. If you want coverage for risky activities, you’ll need to add it to your Bali travel insurance policy.

Risk of a driving accident

Bali doesn’t have a strong public transportation system, so many people use motorbikes and mopeds to get around. When you ride a motorbike or a moped, you don’t have the body of a vehicle around you for extra protection. Therefore, you may sustain serious injuries if you’re involved in an accident.

The risk of accidents is also higher for motorbikes and mopeds than it is for standard cars and trucks, especially if you ride with someone who darts around traffic or drives at a high rate of speed. A comprehensive travel insurance plan covers medical expenses and other costs arising from this type of accident.

Depending on what type of travel insurance policy you buy, your plan may cover the following situations.

Trip cancellation insurance

Trip cancellation coverage reimburses your prepaid, nonrefundable expenses in the event you have to cancel your trip for a covered reason. For example, if you come down with a serious illness before your departure date, you may qualify for reimbursement of up to 100% of your prepaid costs. 

This type of insurance only covers unforeseen events, which are things that happen suddenly and unexpectedly. For example, if you book your trip after a named storm has already developed near Bali, you won’t be able to get your money back if the storm forces you to cancel your trip. Severe illness, job loss and the death of an immediate family member are all examples of unforeseen events covered by trip cancellation policies.

Some companies also offer cancel-for-any-reason insurance , commonly abbreviated CFAR. This type of insurance allows you to get your money back if you have to cancel for a reason that isn’t covered by your standard travel insurance plan.

Assume your travel companion decides they want to go to Bora Bora instead of Bali. That’s not a good enough reason to cancel under a standard plan, but you can get your prepaid, nonrefundable expenses back if you paid for CFAR coverage.

Trip delay insurance

During your trip, you’ll probably use at least one common carrier, which is a company that provides transportation services to the public. This includes commercial airlines, railroads, cruise lines and bus companies.

If you’re delayed due to a problem with one of these carriers, your travel insurance will reimburse you for any expenses arising from the delay . For example, if an airline cancels your flight, causing you to arrive in Indonesia a day later than planned, your insurance company may reimburse you for the money you spent on meals and toiletries related to the delay.

Trip interruption insurance

Sometimes you depart on time and have to end your trip early due to unforeseen circumstances. This is why you need trip interruption insurance. This type of coverage reimburses you for expenses associated with a covered event . Imagine that you’re hiking through the Indonesian wilderness. Suddenly, you fall from a great height, breaking both legs. You won’t be able to continue your trip as planned, the perfect time to use your trip interruption benefits.

Your insurance company may also cover your repatriation costs, which are the costs associated with returning to your home country. For example, if you have to change your flight, a last-minute ticket may cost $500 or $1,000 more than you already spent. Trip interruption insurance covers these expenses.

Travel medical insurance

U.S. health insurance generally doesn’t cover medical emergencies that occur overseas . Travel medical insurance covers expenses arising from unexpected illness and injuries, ensuring that you don’t leave Bali with a huge hospital bill. For example, if you get into a motorbike accident, you may have to spend several days in a medical facility. Travel insurance will cover your room and board, nursing care, lab tests, X-rays and other healthcare services.

Medical evacuation insurance

Some areas of Indonesia are rather remote. If you’re exploring some of Bali’s hidden caves, for example, there’s a chance you’ll fall and injure yourself. Unfortunately, the closest hospital may be 50 miles away . Medical evacuation insurance covers the cost of transporting you to the nearest medical facility equipped to treat you.

Insurance for personal items

Personal item coverage, also known as baggage and personal effects insurance, protects you in the event your personal items are stolen or damaged while you’re traveling. For example, if an airline employee damages your camera, you may be able to get reimbursed by your insurance provider.

Rental car coverage

Rental car coverage protects you any time you’re using a covered vehicle. Due to poor lighting, Bali’s streets are rather difficult to navigate at night. You may also encounter drivers who refuse to follow local traffic laws.

If you’re in an accident, or if someone vandalizes or steals your rental vehicle, your insurance company will reimburse the rental car agency . The reimbursement is usually limited to the cost of repairs or the value of the vehicle. Note that your travel insurance policy may exclude some vehicle makes and models.

Standard travel insurance doesn’t cover the following:

• Pre-existing medical conditions: If you’re diagnosed with or have symptoms of a health condition before you book your trip, you have what’s known as a pre-existing condition . A standard travel insurance policy won’t cover any expenses arising from this type of condition. However, you may be able to purchase a pre-existing condition waiver.
• Foreseeable events: Travel insurance doesn’t cover events that a reasonable person could have predicted.
• Bad weather: You may not want to sit on the beach while it’s raining, but bad weather isn’t covered unless it results in some type of unforeseeable event.
• Normal pregnancy: If you get pregnant after you purchase your travel insurance policy, your travel insurance won’t cover routine pregnancy expenses . However, it may cover medical expenses arising from an unforeseen pregnancy complication.
• Illegal activities: Travel insurance doesn’t cover expenses arising from illegal drug use or other criminal activities.

Based on our research, the cheapest travel insurance for Bali costs just under $1 per day for basic coverage. Alternatively, we found that a more comprehensive policy will cost around $7 to $11 per day.

To help give you a better idea of how much travel insurance costs for Bali, used our online comparison tool to get quotes from different providers.

We applied this information to our quotes:

• Age: 35 years old
• Destination: Indonesia
• Trip Length: 7 days
• Trip cost: $2,000

The table below shows quotes for basic travel insurance from four different providers. These plans range from less than $1 per day to $6 per day .

Example Where Plan Doesn’t Reimburse the Full Trip Cost

The next table shows quotes from the same four providers. However, these plans are more comprehensive. They include trip cancellation and trip interruption coverage. We found these plans cost between $7 and $11 per day .

Example Where Plan Does Reimburse the Full Trip Cost

Keep in mind that several factors affect the cost of Bali travel insurance, including:

• The total cost of your trip
• The duration of your trip
• What type of coverage you buy

To get the best travel insurance for your needs, consider the following factors:

Transportation method.

If you plan to stay at a resort all week, you may not need to pay for rental car coverage. However, you may need extra insurance if your trip includes multiple common carriers.

Travel preferences.

If you love to climb mountains, explore caves and hike difficult trails, you’ll probably need more insurance than someone who plans to lounge on the beach for their entire vacation.

Date of purchase.

Travel insurance typically costs more if you wait until the last minute to purchase it. To save money, consider purchasing a policy as soon as you finalize your plans.

Is travel insurance mandatory for Indonesia in 2024?

No. You’re not required to purchase travel insurance before you travel to Indonesia.

What documents are required for Bali travel?

To travel to Bali and other parts of Indonesia, you must have a valid U.S. passport and a visa.

Does Bali require COVID insurance?

No. Bali ended the last of its COVID-related restrictions in mid-2023. However, it is still a good idea to make sure you purchase  travel insurance with covid coverage .

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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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 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 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.

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).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

More Travel Insurance Resources

Choosing the Best Travel Insurance to Bali

by Jeff The Chilled Nomad

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

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!

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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The Best Bali Travel Insurance Policies: The Guide for 2024

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?

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.

Is travel insurance mandatory for Bali and Lombok?

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 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?

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

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

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

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 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.

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

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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.

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.

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 .

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Bali Holiday Secrets

Best Travel Insurance for Bali

updated October 8, 2022, 5:32 pm 34.8k 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.

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

Why do I need travel insurance in Bali?

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

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

Tick travel insurance has ranked first place for customer satisfaction in 2023 .

This survey was conducted by Dynata, where 95% of respondents said they would recommend Tick to a friend, and it scored the highest in the 'value for money' category.

Southern Cross Travel Insurance has taken the top position in the 'Travel insurance - Comprehensive' category for the 2023 Finder Awards . Why? It's got to do with its wide COVID-19 coverage and how it handles cancellations due to unexpected events.

Adding to that, its average pricing was pretty affordable compared to other brands who offer less coverage for a higher price.

Fast Cover is the winner of the 2023 Finder Awards for the 'Travel insurance - Value' category. How? We compared the average prices of 28 international travel insurance policies, and Fast Cover came out on top.

But what does ' value' mean? It means we looked at more than just price. Fast Cover doesn't include everything on its policies, but it offers good value.

InsureandGo has taken the top place for the 'Travel insurance - Domestic' category in the 2023 Finder Awards .

Why? We analysed 23 domestic policies and found that InsureandGo were generous with their benefit limits for things like cancellation and rental car excess insurance.

Southern Cross Travel Insurance is the winner of the 'Travel insurance - Seniors' category in the 2023 Finder Awards . Why? It has higher age limits and generous benefits.

We also appreciated SCTI's easy-to-read product disclosure statement. This means that customers can easily understand their policies, and travel with confidence.

Fast Cover Travel Insurance's COVID-19 Benefits & Refund Policy earned it a place among the finalists in the Insurance Innovation category of this year's Finder Innovation Awards .

It goes further than many other insurers, covering COVID medical expenses and evacuation, up to $5,000 for COVID-related cancellations and additional expenses.

Bali travel insurance: Common exclusions

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

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

What add-ons should I look for?

• If you have plans to zoom around Bali on a scooter or motorbike, make sure to have the right license, and the right policy.
• Bali is a surfers' paradise. Protect yourself from accidents while on your board, and from whatever is underneath your board.
• Taking a dive into deeper waters? Some policies can cover you if you're diving between 10-30m below the surface, but you'll need extra cover if you're going deeper.

Will I be covered for COVID-19?

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

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

How do I get cheap travel insurance for Bali?

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

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

Gary Ross Hunter Finder's travel insurance senior writer

What do I do in emergencies?

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

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

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

Meet our travel expert Angus Kidman

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

Angus's top Bali travel insurance tips

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

Why you can trust Finder's travel insurance experts

We're experts

We're independent

We're here to help

Faqs about bali.

If you're adventurous with street food or forget to avoid drinking drink tap water, you run the risk of getting "Bali belly": make sure you have emergency medical expenses in your travel insurance plan.

Is the water safe to drink?

Water in Bali isn't safe to drink unless it's boiled so it's worth following these tips when you travel:

• Only consume tap water if it's been boiled – for example, drinking tea or coffee.
• Don't brush your teeth with the tap water.
• Ask for no ice in your drinks, just in case it's not been made with boiled water.

Do you need vaccinations for Bali?

Before travelling to Bali all travellers should make sure routine vaccinations are up to date and speak to a doctor about other travel vaccinations.

Smartraveller.gov.au and a doctor can advise the risks of any other diseases/viruses, which can include:

• Hepatitis A
• Hepatitis B
• Japanese encephalitis
• Dengue fever

While protection from malaria doesn't require a vaccination and the disease isn't prominent in Bali, some mosquitoes may still carry malaria. Nearby islands do have a higher risk of malaria, so if you're travelling beyond Bali you should take precautions.

Speak to a doctor at least eight weeks before your departure to find out what vaccines you will need, and always protect yourself from mosquitoes.

Remember, if you do not get the recommended vaccines and fall ill while abroad your travel insurance may not cover you, which could leave you with high medical bills.

Which travel insurance is good for Bali?

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

Do you need travel insurance to go to Bali?

The Australian government's smartraveller site recommends that you take out cover when travelling to Bali. If you can't afford travel insurance, you can't afford to travel.

Which travel insurance company has COVID cover for Bali?

Lots of travel insurers cover COVID-related expenses now. You can find a full table of the policies that cover COVID expenses on our homepage .

Is it safe to travel to Bali?

The Australian government smartraveller website says to exercise a high degree of caution in Bali. You should still be able to get travel insurance for Bali but make sure you do some research before you travel. There may be certain areas of the country that are not safe.

Gary Ross Hunter

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

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10 Responses

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

Hi Richard,

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

The exact cover and premium you’ll pay will vary between providers. Read our guide on Seniors Travel Insurance ( https://www.finder.com.au/travel-insurance/seniors-travel-insurance ) for more information.

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

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

I hope this helps,

Regards, James

Hi With the volcano issues in Bali, what would be the best cover to get in relation to missed flights, missed work, more accommodation? Assuming you are in Bali when it happens? Thanks

Thanks for your question. It is always advisable to get cover before you leave. As there is no current eruption, there are no moratoriums on the cover.

There is no best cover, as cover needs vary from person to person. To compare your travel insurance options from the brands in our panel, enter your travel details into the form. Once you have done so, you will be able to view the various brands on offer, their cost and levels of cover.

I hope this was helpful, Richard

Does being licenced to ride a motorcycle include L’s?

Hi Gabriella,

Thanks for your question. Generally it means you have to have an unrestricted licence.

I hope this helps, Richard

My wife and daughter are travelling to Bali in June for 9days, obviously they need travel insurance but they would also like cover for riding scooters are you able to give me a quote

Thanks for your question.

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

I have travel insurance with Priceline and was wondering if I am covered if the government puts out a travel warning for Bali where I am travelling to.

Thanks for your question. Unfortunately, finder.com.au is a comparison service. I contacted Priceline and who said at this point in time, they do not have any specific instructions for people travelling to Bali. If you are after specific information in regards to travel warnings, please refer to the General Exclusion section in the PDS. I would be worth pointing out that travel warnings do change, so keep an eye on this be taking advantage of services such as Smartraveller.

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Travel Insurance for Bali

Travelling to bali.

Bali is a popular overseas destination for Australians – it’s beautiful, close to home, and can be budget friendly. This island paradise caters for a variety of holiday styles. Choose your tempo – surf, sand and sun at Seminyak or unearth your inner bliss at a rainforest retreat in Ubud.

But as with every destination, there are risks when travelling in Bali. This is where a travel insurance policy may come in handy. Before you leave home, consider the benefits of Allianz Travel Insurance that is designed to cover you for overseas emergency assistance. See the Product Disclosure Statement (PDS) for all terms, conditions, exclusions, limits and applicable sub-limits that may apply.

Why choose us?

Thousands of satisfied customers, network of medical experts, emergency assistance available, we’re an established insurer, choose your plan.

Basic Travel Insurance

• Overseas Emergency Assistance 2
• Overseas Medical & Hospital Expenses 2
• Personal Liability 2

Comprehensive Travel Insurance

• Overseas emergency assistance, medical and hospital expenses 2
• Unexpected trip cancellation 2
• Loss of or damage to luggage and personal effects 2

Multi-Trip Travel Insurance

• Overseas emergency assistance, medical and hospital expenses 2

Health and safety when travelling in Bali

Staying safe

Theft and petty crime are common in Bali. Keep your valuables on your body and stay alert, especially in crowded areas and at night.

There’s also the possibility of volcanic eruptions and tsunamis, as well as other natural events. Refer to Smartraveller for current travel alerts affecting Bali before you buy a policy, before you leave Australia, and during your travels.

Keeping healthy

Health risks in Bali can include diseases such as malaria, dengue fever, Japanese encephalitis and rabies. You may wish to consult with a travel doctor or clinic before travelling to understand any options for preventative measures.

Some medications are illegal in Indonesia, and harsh penalties can apply even if you have a valid prescription. Make sure your medication is legal before you arrive.

You may need to be evacuated for treatment elsewhere if you become seriously ill or injured. Being uninsured may mean you have to arrange payment for your evacuation before you can be treated.

Being prepared for adventures

Adventure activities

Bali is world-famous for its surfing, with thousands of tourists flocking to the legendary beach breaks and reefs each year.

Allianz Comprehensive Travel Insurance is designed to cover activities like surfing and snorkelling. If you plan on getting more adventurous with activities like abseiling or riding a motorcycle, consider buying an Adventure Pack as an optional add-on. 2,3

Read the PDS for a full list of sports and activities automatically included in the Comprehensive or Multi-Trip plans, as well as what additional activities the Adventure Pack is designed to cover.

Riding mopeds and motorcycles

Riding motorcycles, motorised scooters and mopeds aren’t activities covered under a Comprehensive, Basic or Multi-Trip plan. 

If you plan to ride motorcycles, mopeds, motorised scooters or quad bikes as either the driver or pillion passenger in Bali, you might want to consider buying an Adventure Pack for an additional premium, which is an optional add-on for our Comprehensive and Multi-Trip plans. 2

The Adventure Pack is designed to cover eligible policy holders while riding on a motorcycle, moped, motorised scooter or quad bike 2,3 if you meet the following conditions:

• You hold the appropriate class of licence (excluding learners licences) in Australia for the vehicle you’re driving, or if your Australian licence isn’t recognised in that country – a licence valid for the country you’re riding in.
• When you’re riding as a pillion passenger on a motorcycle, moped or motorised scooter, the driver holds a licence valid for that vehicle and for the country it’s being ridden in.
• You’re the driver of a quad bike and you’re not carrying a pillion passenger. Note that you’re not covered if you ride as a pillion passenger on a quad bike.
• You wear an appropriate safety helmet at all times.
• You aren’t racing or riding a motorcycle, moped, motorised scooter or quad bike in a professional capacity.

Ready to find your travel insurance for Bali?

Frequently asked questions.

If you get sick or injured on your trip, depending on the plan you select, travel insurance may help with your medical expenses, as well as the costs of rescheduling your travel arrangements 2 . 

An Allianz Basic Travel Insurance policy is designed to cover overseas medical and hospital expenses 2 , including if you’re positively diagnosed with COVID-19 1 . For coverage that’s designed to include the above, plus events such as accidental death and permanent disability 3 , consider choosing our Comprehensive Travel Insurance 2 .

You can compare Allianz Travel Insurance plans to find out which product best suits your needs.

It’s important to understand that our policies have a number of general exclusions such as:

‘Travel alerts and other warnings’ which excludes claims that arise because you didn’t follow an advice or warning that a reasonable person would have been aware of that was either issued by the Australian government (‘Reconsider your need to travel’ alerts or ‘Do not travel’ alerts) or which was published in a reliable mass media source.

‘Aware of circumstances’ which excludes claims that arise when at the time of buying the insurance, you were aware, or a reasonable person in your circumstances would have been aware, of something that would give rise to you making a claim under the policy.

If you weren’t aware, or a reasonable person wouldn’t have been aware, of a volcanic eruption or ash cloud when you bought your policy and your trip is subsequently delayed or cancelled as a result of an ash cloud, you may be covered 2 . You must, however, follow government advice.

If there is a travel alert or government advice in effect, or circumstance you were aware of, or a reasonable person would have been aware of, at the time a policy is bought, we may deny your claim as this would be considered a known event for the purpose of the ‘Aware of circumstances’ General Exclusion.

Check Smartraveller for current travel alerts affecting Bali before you buy a policy, before you leave Australia, and during your travels.

We're here to help

Give us a call, or send us a message, follow us on, *conditions apply.

• Policy terms, conditions, exclusions, limits and applicable sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the PDS to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, exclusions, limits and applicable sub-limits that apply.
• Terms, conditions, exclusions, limits and applicable sub-limits apply. Eligibility criteria may also apply. Refer to the PDS for full details.
• You won’t have cover under Permanent Disability and Personal Liability benefits for any claims arising from your participation in any of the activities listed under Adventure Pack or your participation in snow sport activities, even if you’ve bought a Snow Pack or an Adventure Pack.
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I've traveled to 9 out of 10 countries in Southeast Asia. Here are the 5 biggest mistakes I made along the way.

• I've traveled solo to nine countries in Southeast Asia.
• I've made many mistakes, from traveling during monsoon season to forgetting to bring enough cash.
• Travelers should make sure they plan ahead and research each country's culture.

Over the last two years, my journey as a travel enthusiast and Business Insider's travel reporter in Singapore has brought me to almost every country in Southeast Asia.

In total, there are 10 countries in Southeast Asia , and I've traveled to nine of them — Singapore, Philippines, Malaysia, Vietnam, Thailand, Indonesia, Cambodia, Laos, and Brunei. Myanmar remains the only country in the region I have not visited, and while I am keen to explore it, I have held off on visiting because of the country's ongoing civil war.

I've watched the sun rise in Angkor Wat in Cambodia and cared for elephants in Chiang Mai, Thailand. I've explored the Bornean jungle in Brunei and crawled the Cu Chi Tunnels in southern Vietnam.

But it hasn't always been easy. I've made several mistakes traveling across the region , especially as a solo traveler. Here are five mistakes I made and how to avoid them.

1. Going during monsoon season and not planning for the weather.

In July, I traveled to Thailand on a reporting trip to cover the budding cannabis industry . There, I was met with heavy rain nearly every day. In Bangkok, I was staying in a hostel in Chakkrawat , a district with narrow, meandering streets, which made it difficult to walk anywhere in the pouring rain.

I didn't plan for the weather, so I didn't have an umbrella or poncho with me and had to rush to get one at the last minute. I also had a packed itinerary with a lot of travel between meetings, which was a hassle in the constant downpour.

Before traveling to Southeast Asia, make sure to avoid two seasons — the monsoon season, which often comes with strong typhoons in countries like the Philippines, and the burning season, where farmers burn land for fertile soil. This is a common occurrence in countries like Laos, Thailand, and the island of Borneo, which is shared between Brunei, Indonesia, and Malaysia.

When I traveled to Laos in April last year during the burning season , most of my plans — including a hot air balloon ride — were canceled because of the thick smog. I also didn't have an N95 mask with me, and I ended up with a sore throat.

If you do plan to come during these seasons, make sure to pack accordingly and plan a flexible schedule.

2. Traveling during Ramadan and expecting the same practices everywhere.

Having grown up in Singapore, I'm familiar with the practices during Ramadan , the holy month for Muslims, where they fast for most of the day. I studied Malay for seven years, and in school, I often fasted with my Muslim classmates and ate only in private.

Still, in many cities in Singapore, Malaysia, and Indonesia , non-Muslims are free to dine in public, so long as they do so respectfully. But on my trip to Brunei in April — at the height of the burning season and in the middle of Ramadan — there were more practices I needed to observe.

Most restaurants were closed, and diners weren't allowed to eat there even if they were open — only take-out was allowed. Eating in public was a major faux pas even for non-Muslims, and if you want to drink some water, you can only do so when nobody is around.

It wasn't easy, especially as Brunei was sweltering at 100 degrees Fahrenheit on some days. I made do by returning to the hotel for lunch and grabbing a big dinner with the locals at the night market after they had broken their fast.

3. Not packing enough modest outfits when visiting temples and mosques.

Southeast Asia is pretty liberal, and you can wear whatever you want in many places. In popular destinations like Phuket, Thailand, and Bali, Indonesia, lots of tourists walk around in bikini tops and shorts, and locals mostly tolerate it.

But there are certain places you do need to cover up, like places of worship, which include temples and mosques. When I visited Angkor Wat — the famed temple complex in Cambodia — in February last year, I found some tourists being told off by the local tour guides for wearing shorts and tank tops — "Tomb Raider" style.

I've learned to err on the right side of caution and bring a sarong wherever I go. It's an easy way to cover up and make an outfit more modest when you need to.

4. Forgetting to pack medication, especially when I plan to eat street food.

Southeast Asia has some of the world's most flavorful food. In every country, you can find food that is cheap and delicious, and that includes Singapore , the world's most expensive city. In countries like Malaysia and Vietnam, street food dishes can cost as little as a dollar.

I eat mostly street food when I travel in Southeast Asia, so medicine for tummy-related illnesses is a must. I've only gotten sick twice from eating street food — and it was the same dish both times— and unfortunately, those were the few times I didn't have medicine with me.

I'm a pretty adventurous eater. I've eaten everything from pufferfish stew to frog porridge and dishes made with intestines off the street. I've learned to wash the utensils provided before digging in and make sure the food is cooked to order and heated up before being served.

5. Relying on my card and not bringing enough cash with me.

In Singapore, I don't really use cash and often use Apple Pay, mobile payments, and cards. But I've found that many stores in other countries in Southeast Asia only accept cash.

For example, on my third trip to Vietnam, I spent an hour trying to make payment via bank transfer after the staff at a luxury perfume shop — which was selling items priced upwards of $200 — informed me at the last minute that they didn't accept card or contactless payment.

I've also found the majority of street vendors in the region only accept mobile payment — which is limited to local banks — or cash. I've learned to change a considerable amount of money before leaving the airport and keep whatever I didn't use for my next trip.

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Travel warning issued for Aussies in Bali as end of Ramadan celebrations begins

Australians currently in Bali or planning a visit soon should allow for more travel time as Ramadan finishes in Indonesia.

While some of Bali’s population is Muslim, the celebrated Eid al-Fitr holiday can cause delays across the island.

The festival means roads are expected to be busy, so tourists have been warned to allow for plenty of time to travel around the island.

Smarttraveller Australia has warned tourists to “plan for significant delays”.

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“We’ve reviewed our advice for Indonesia and continue to advise exercise a high degree of caution,” the website says.

“The Idul Fitri holiday period will take place between 10–22 April. Many people will travel throughout the country, including the greater Jakarta area.

“This may impact traffic and public transport, including airports, seaports, highways, toll roads, train and bus stations. Airports are expected to be busy. Plan your travel carefully and prepare for significant delays.”

The national holiday period — also known as Lebaran — is celebrated between April 9 and April 15, along with the weekends on either side.

The holiday celebrates the end of Ramadan, with a variety of dining experiences available at many of Bali’s popular restaurants.

Ramadan involves a month of fasting, prayer, reflection and community observed by Muslims worldwide.

According to The Bali Sun, during the festival, the Bali airport is set to serve 473,000 domestic passengers and 538,000 international passengers.

General manager of I Gusti Ngurah Rai International airport Handy Heryudhitiawan said the airport was ready to welcome crowds of Eid al-Fitr travellers.

“We’ve also recorded requests for extra flights for 216 schedules consisting of 108 more arrival schedules and 108 departure schooled with the airlines Indonesia Air Asia, Citilink Indonesia, Lion Air, Super Air, Jet, and Wings Air,” he said.

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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.

Travel Insurance For Singapore: The Complete Guide

Updated: Apr 4, 2024, 12:29pm

Table of Contents

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Singapore Travel Insurance

What does travel insurance for singapore cover, can i tailor my travel insurance for singapore, what does travel insurance for singapore exclude, how much does travel insurance for singapore cost, how can i compare travel insurance for singapore, frequently asked questions (faqs).

Singapore has long been a holiday favourite for Australians, either as a stop-over city on the way to Europe or the Middle East or as base for exploring Asia. According to the latest figures from data portal, Statista, 566,000 Australians visited the country in 2022.

If you’re also planning to visit, travel insurance for Singapore can safeguard your trip against a number of potential mishaps, such as falling ill while away, losing your luggage and belongings or even needing to cancel the trip before it’s even begun. Singapore is a safe country, but the cost of medical care is high.  Find out more about how travel insurance for Singapore works below.

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Cancellations

Unlimited, (Trip Disruption $50,000)

Rental Vehicle Excess

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Medical cover

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance (Comprehensive)

Option of Cruise Cover

Unlimited medical

Yes (some sub limits apply)

There are three main types of travel insurance policy for Singapore. These are:

• Single trip: for a one-off trip in the space of 12 months to Singapore
• Annual multi-trip : for more than one trip in the space of 12 months to Singapore or various destinations. This type of cover can work out more cost-effective than buying multiple single trip policies but not always so it’s best to compare both types of cover.
• Long-stay/backpacker : for an extended stay in Singapore, of typically 60 or 90 days, or 12 or 18 months. Cover for 24 months may be available, from certain providers.

When applying for travel insurance online, you’ll first be asked to enter your holiday destination. Depending on the insurer, you’ll need to click on Singapore, Asia or Worldwide travel excluding the US and nearby destinations such as Mexico, the Caribbean, Canada and Greenland. The latter option excludes a part of the world where medical costs are the highest, which in turn, bumps up the cost of cover. If you’re also planning to travel to the US, for example, there are separate worldwide policies that include it as a destination.

Insurers usually offer at least two or more types of travel insurance policy from basic or comprehensive cover and anything in between. Comprehensive policies offer the highest cover levels and widest range of benefits.

A key component of all travel insurance policies is emergency medical cover. You’ll find a comprehensive policy for Singapore will often offer an unlimited amount.

The standard of medical facilities and care in Singapore is similar to, or higher than in Australia, and the cost often much higher, so medical cover can prove a vital resource should you fall ill, or get injured, while away.

Note that in the case of an emergency, you’ll likely need to pay up-front first, and then reclaim the costs from your insurer, or confirm payment from your insurer with a hospital before it will provide treatment.

As standard, travel insurance for Singapore can also cover repatriation and emergency rescue, in severe medical cases, the loss or theft of your baggage and belongings and trip cancellation if you can no longer travel for reasons such as falling ill, suffering a bereavement or losing your job.

They will also likely include an array of other forms of protection, providing the most at comprehensive level. This includes cover for lost or stolen money, passports and documentation, missed departures, online fraud, and travel delay. The types of cover on offer, and cover limits, will vary between providers. You can find exactly what a policy includes in its product disclosure statement (PDS), which is usually found on an insurer’s website.

There are a number of ways you can ensure your policy fits your needs. Many insurers offer optional add-ons that you can purchase if you need specialised cover. These include insurance for gadgets (such as a smartphone or laptop), a cruise and playing golf.

If you’re thinking of participating in more high-octane activities, check your policy’s PDS. Many cover around 100 or so sports automatically. Cover for what an insurer classes as high-risk activities, such as skydiving, bungee jumping, outdoor rock climbing, and activities requiring a set of wheels, such as quad biking, may require purchasing an additional ‘sports pack’ for your policy.

While reading through a policy’s PDS, it’s crucial to also take note of any limitations of cover. These can differ between policies, but generally you can expect most insures to refuse claims relating to a pre-existing condition. This is a medical condition you had before taking out the policy. The insurer may not cover such conditions, or may refuse your claim if you did not declare your condition on applying for the policy.

An insurer is also unlikely to accept claims for an injury caused by taking part in a sport or activity where you did not wear the appropriate safety gear, such as a helmet, knee pads or a harness. Claims resulting from disorderly behaviour or being under the influence of drink or drugs will also likely be rejected.

It’s best to regularly check government advice for your destination, which it publishes on its Smartraveller website. This includes warnings about natural disasters, terrorism threats and pandemics. Visiting Singapore, or a part of the country, if the government puts it on its “do not travel” list, could invalidate your policy.

The amount you’ll need to pay for your travel insurance policy will depend on a range of factors. An insurer will consider your holiday destination, associated costs when travelling there and the length of time you’ll be travelling.

The price of a policy can rise for mature travellers and those with pre-existing conditions, as insurers view these travellers as more likely to claim on their policy.

To provide an idea of how much travel insurance for Singapore can cost, we ran quotes on the sites of the insurers we’ve rated the top five for travel insurance.

We used the profile of a family of four, aged 42, 40, 14 and 12, spending 13 to 26 May in the country, and assumed they have no pre-existing conditions, (although these providers do offer cover for pre-existing conditions should you need it).

We found basic cover ranged from around $106 to $202, while comprehensive cover started at around $241, with the most expensive policy costing just under $304.

Before choosing a policy, it’s important to shop around. An easy way to do this is to run quotes on the websites of various insurers and compare factors such as the type of cover a policy includes and cover levels against price.

To help you with your search, we’ve conducted some research and found our pick of the best comprehensive travel insurance policies .

Is travel insurance for Singapore worth it?

While travel insurance for Singapore isn’t mandatory, it can be considered a travel essential if you have no other means of covering emergency costs while away.

Emergency medical fees can easily stack up to thousands of dollars alone, and without travel insurance in place, you would have to cover them out of pocket. Travel insurance also can cover a number of eventualities that we often fail to consider, such as an airline, transport company, or accommodation provider going bust.

What is ‘excess’ in insurance?

An excess is a set amount you’ll be expected to pay on each approved claim. It’s usually levied per person on the policy, per event, per claim, but you can check the PDS for the specifics concerning your insurer. You usually can pick from a range of excess amounts, from $50 to $250 on average, when taking out a policy.

The more you choose to pay in excess, the lower your policy premium—the cost of your policy—typically will be, while paying less in excess will raise the cost. An excess is usually deducted from a claim amount, so you won’t need to pay for it out of pocket. However, it’s still crucial that you make sure it’s affordable.

Can I buy a policy while I’m in Singapore?

Some providers won’t cover a holiday if it’s already started. Others may cover you, but apply a waiting period of around 72 hours before you can claim.

The best time to take out travel insurance is as soon as you’ve booked your holiday, as you’ll be immediately covered for trip cancellation. Insurers are highly unlikely to consider claims resulting from something that happened before you took out the policy.

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• Pregnancy Travel Insurance Guide
• Travel Insurance Cancellation Cover
• Travel Insurance For Bali
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• Travel Insurance For New Zealand
• Travel Insurance For Japan
• Travel Insurance For Europe
• Travel Insurance For Indonesia
• Cover-More Travel Insurance Review
• Fast Cover Travel Insurance Review
• Travel Insurance Saver Review
• Allianz Comprehensive Travel Insurance Review
• 1Cover Comprehensive Travel Insurance Review
• Australia Post Comprehensive Travel Insurance Review

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I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.