Travel Insurance for Bali

Do I need Travel Insurance for Bali?

As of May 2024, the Australian Government recommends travellers to Indonesia exercise a high degree of caution and purchase comprehensive Travel Insurance before departing. This advice is particularly related to the ongoing risk of terrorist attacks, as well as volcanic eruptions and other natural disasters.  

As a tourism hotspot, Bali experiences its fair share of petty and violent crime, including scams, pickpocketing and drink spiking. Travellers’ diarrhoea and traffic accidents can occur, and there is a risk of contracting dengue fever or Zika virus.  

If you require medical attention in Bali or have your property stolen, Travel Insurance can help cover the cost. That said, Travel Insurance isn’t compulsory for Australians travelling to Bali. 

Which activities in Bali might I want coverage for?  

There’s lots to love about Bali, and plenty to do. While you’re on holiday, Travel Insurance will usually cover common hiccups like lost luggage, delays and cancellations. Here’s a run-down of some other popular tourist activities in Bali and how Travel Insurance can help. 

Surfing and other water sports 

Bali’s a surf lover’s paradise, with many surfers using the island as a base for boat trips out to reef breaks. Snorkelling trips are also popular. As these trips can often be to remote areas, Travel Insurance can be beneficial if you fall ill or get injured and need to be transported for medical help. 

Moped and motorcycle riding 

Riding a moped or a motorcycle is a popular way to get around Bali. Before you travel, check with your insurer if you’re covered for riding a motorcycle and what restrictions apply. For example, some policies won’t provide cover if you aren’t licensed to ride a motorcycle in Australia. Make sure you, and any passengers, always wear an appropriate helmet. 

Wildlife watching  

Wildlife, and particularly monkeys, are one of Bali’s attractions. But don’t forget that these are wild animals and could attack you if threatened. Animals can carry a host of diseases that can require expensive medical treatment, so it’s another good reason to consider Travel Insurance. 

Quad bike tours  

Some travellers choose to join a quad bike tour through rural Bali, including riding through rivers and off-road. Some tour operators include insurance, but others may not. It’s worth checking what the tour operator policy covers, and if participation jeopardises the cover from your personal Travel Insurance policy. 

Volcano hiking  

Bali is home to two active volcanoes, Mount Batur and Mount Agung, and sunrise hiking up Mount Batur is a popular activity on the island. In the unlikely event that you get injured on a hike, Travel Insurance can come in handy.  

Will I be covered for COVID-19? 

These days, a lot of Travel Insurers have added COVID-19 benefits. Depending on your policy, they might cover your doctor’s bills, the extra stay if you need to quarantine, or even give you back some cash if you have to cancel or cut your trip short. Make sure to check the details in the Product Disclosure Statement (PDS) before taking out a plan. 

How much does Travel Insurance cost for Bali? 

As of 2024, basic medical Travel Insurance for a week in Bali starts from under $50 and increases with inclusions like cancellation fees, delay expenses, and luggage and personal effects cover. Your premiums will likely be higher if you’re older or have a pre-existing medical condition.  

Will I need to take out Travel Insurance each time I go to Bali? 

Single-Trip Travel Insurance is ideal if you’re planning one or two trips a year. It covers you for a specific journey, from the day you leave until you return home. On the other hand, Annual Travel Insurance is designed for frequent travellers.  

With Annual Insurance, there might be a limit on the duration of each trip, but you won’t have to purchase Travel Insurance for each trip under that limit. So, if you find yourself packing your bags for Bali several times a year, an Annual Policy could save you time and money. 

What is usually covered by Travel Insurance? 

Most Travel Insurance policies cover unexpected medical costs overseas, including hospital expenses, emergency medical assistance and medical evacuation. They also generally cover common issues like cancellation fees, lost deposits, travel delay expenses, and lost luggage. Check out our list below for additional considerations when travelling to Bali. 

Volcanic eruptions 

While Mount Agung is a beautiful and awe-inspiring natural spectacle, it has the potential to disturb flights and general airport operations with its ash clouds. If Travel Insurers are aware that the volcano is active and causing disturbances, they could cease to provide cover for any claims relating to Mount Agung. 

Other natural disasters 

Travel in Bali can be disrupted by earthquakes, which can be devastating for local communities and lead to expensive delays and cancellations for tourists. In these cases, Travel Insurance can help absorb some or all of the cost of changing your plans. 

Illness and injury 

Indonesia doesn’t have a reciprocal health care agreement with Australia, so if you get sick and don’t have Travel Insurance, you could be facing a hefty bill. 

Your belongings 

Petty theft does happen in Bali so it’s important to have cover for your possessions, travel documents, cash, and other valuables. 

What won’t Travel Insurance cover in Bali? 

While mopeds and scooters are an easy way to get around Bali, reckless riding isn’t covered. If you’re breaking any local road rules and/or driving without a current Australian licence, you’re not protected. Alcohol and drug-related incidents aren’t typically insured either. While having fun is encouraged on holiday, it’s important to stay safe and drink in moderation.  

This is especially true for alcohol-related incidents if you’re under the legal drinking age – and in Bali, the legal drinking age is 21. Bali, and Indonesia in general, also have strict anti-drug laws with severe punishments. Your Travel Insurer won’t be able to help you if you get in trouble with the law. 

Where can I find and compare Travel Insurance? 

If you’ve decided Travel Insurance is a good idea for your next Bali trip, there are plenty of options on the market offering a variety of benefits. Compare a range of Travel Insurance policies at iSelect.