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Travel insurance for Bali
Travel insurance for Bali
Written by
Rachel Gregg
Edited by
Andrew Kemp
Reviewed by
Adrian BennettEasily compare Travel Insurance
Save time and effort by comparing a range of travel insurance policies with iSelect
Do I need travel insurance for Bali?
Long story short
Bali holidays can come with risks that insurance can help cover
Bali is a top Aussie holiday spot, but natural disasters and illness can happen. Travel insurance can help with medical and cancellation coverage.
Comprehensive travel insurance won’t blow your budget
For a typical week-long adventure in Bali, comprehensive travel insurance can cost an average of $92.1Comparison conducted via the iSelect website, May 2026 based on a 30-year-old solo traveller with no pre-existing medical conditions, $200 policy excess travelling to Bali 3rd – 9th May 2026. Minimum cover for trip cancellation $10,000 and luggage $5,000. Prices are indicative only.
Adventure activities may need extra coverage
Activities like surfing, motorcycle riding or volcano hiking are popular, but not all policies cover them, so you could need extra coverage to be protected.
Do I need travel insurance for Bali?
Travel insurance is recommended when travelling to Bali. Even though it isn’t compulsory for Australians to get into the country, going without it could quickly derail your holiday if the unexpected happens. For example, Indonesia doesn’t have a reciprocal health care agreement with Australia, so if you had an accident or fell ill, then any medical treatment and hospital bills would be paid out of your own pocket.
As of May 2026, Smartraveller recommends travellers to Indonesia exercise a high degree of caution. This is mostly due to the risk of things like terrorist attacks, volcanic eruptions and other natural disasters that can throw holiday plans into chaos. That means it’s a good idea to think about getting comprehensive travel insurance before leaving.
Bali is many Australians’ dream tropical destination – it’s close to home and great if you’re on a budget. But being a major tourism hotspot means it’s not all palm trees and cocktails. Health issues such as Bali belly, injuries from traffic accidents and mosquito-borne viruses like dengue fever or zika virus are pretty common. While many trips move along without a hitch, it’s easy to see how one small hiccup could turn into a big bill.
Which activities in Bali might I want coverage for?
You’ll likely want cover for things like surfing, snorkelling and exploring Bali by scooter or quad bike. Many insurers consider these adventure activities, which means you’ll need to make sure that your policy will cover you as is, or if you’ll need some extra cover to protect you.
While you don’t want to think about what to do when an accident happens, it could save you in the long run. Here’s a run-down of some other popular tourist activities in Bali and how travel insurance can help.
Surf, snorkel, repeat
Bali’s an ocean lover’s paradise and if you plan on spending your trip in the water, travel insurance can help cover the risks. Whether you’re paddling out at Uluwatu or floating over neon coral in Amed, the island’s most jaw-dropping spots tend to be a little … remote. If something goes sideways, like reef cuts, stings or a sudden need for medical help or evacuation, the costs can stack up fast. That’s where travel insurance cover can help keep an epic surf trip from turning into an unexpected wipeout.
Bali by bike
While zipping around on a scooter is basically a rite of passage in Bali, make sure your policy will cover you if anything goes wrong while getting from A to B on two wheels. Even though it seems like everyone rides a motorcycle from their morning smoothie bowl in Ubud to their afternoon beach bars, you need to know that your insurer will cover you for this as well as what their rules are. Many won’t cover you unless you’re licensed to ride in Australia. And no, helmets aren’t optional … even if yours ruins your perfect beach-hair moment.
Monkey mischief
Bali’s long-tailed macaques are common at temples and tourist sites across Bali, while they might look cute, close contact can put you at risk. A bite or scratch can mean medical treatment and some carry diseases you absolutely don’t want as a souvenir. Wildlife encounters make great stories, but insurance can help with the less fun parts like emergency doctor visits and replacing stolen bits and pieces.
Four-wheel jungle fun
Quad biking can be a highlight of the trip, but accidents can easily happen while you’re riding through uneven rice terraces, muddy trails and the uneven terrain of a palm-dotted valley. It’s worth checking that your insurance covers you for any medical treatment or tour cancellations or whether you need some extra cover for quad biking, so a thrill ride doesn’t turn into a budget-breaking situation.
‘Do fewer crowds and lower expenses sound good to you? Consider going to Bali in the off-season (around October to March). Yes, you should pack a rain poncho. But the weather is so warm that the torrential rain is actually quite pleasant and you dry off fast. Plus, it adds a dash of adventure!’
Ellie Garran
Digital Editor, iSelect
What does travel insurance for Bali typically cover?
Travel insurance for Bali can help cover you for things like travel delays and unpredictable natural disasters but usually won’t cover you for choosing not to follow road laws or driving without the right license. On top of the things that are and aren’t included in most travel policies, you should also think about any extra optional coverage you might need.
Typically covered
Travel delays: If your flights or travel plans get delayed by one of Bali’s volcanoes erupting or other reasons, your policy could help cover costs.
Medical cover: If something goes wrong or you get a bad case of Bali belly, your policy should help cover any overseas medical expenses or medical evacuation costs.
Natural disasters: Travel in Bali can be disrupted by earthquakes and a range of other natural disasters. Travel insurance can help absorb some or all the cost of changing your plans.
Lost or stolen belongings: Petty theft does happen in Bali, so it’s important to have cover for your possessions, travel documents, cash and other valuables in case they’re lost or stolen.
Personal liability: If you injure someone or damage someone else’s property by accident, your policy could help cover legal costs for you.
Optional extras
Adventure cover: Bali is the perfect place for adventure. Whether you’re into quad bike tours or jumping down beautiful waterfalls, you’ll likely need some extra cover to make sure your travel policy has your back if something unexpected happens.
Motorbike cover: Riding a scooter around Bali is the epitome of a classic Australian holiday in Indonesia. However, most travel insurance policies need you to add on some extra cover to keep you protected if something goes wrong while on two wheels.
Not typically covered
Driving without the right licence: If you’re driving without the right license or involved in an accident without being the listed driver on your rental policy, then you’re unlikely to be protected by your travel insurance.
Breaking road rules: While mopeds and scooters are an easy way to get around Bali, if you break the law, like not wearing a helmet or riding recklessly, it won’t be covered.
Undeclared pre-existing conditions: If you don’t let your insurer know about any pre-existing medical conditions, they might reject any related claims.
Stolen items: While your policy might include stolen items, if they are stolen after being left unattended in public spaces, your insurer might not cover them.
Being under the influence of alcohol or drugs: Alcohol and drug-related incidents aren’t typically insured, so make sure to stay safe. The legal drinking age in Bali is 21, so make sure to keep that in mind.
How much does travel insurance cost for Bali?
Prices differ between travel insurers, but comparing from iSelect’s range as of April 2026, a comprehensive travel insurance policy for a week in Bali averages $92.2Comparison conducted via the iSelect website, May 2026 based on a 30-year-old solo traveller with no pre-existing medical conditions, $200 policy excess travelling to Bali 3rd – 9th May 2026. Minimum cover for trip cancellation $10,000 and luggage $5,000. Prices are indicative only. Just remember that there can be an additional premium if you need extra cover, have unique medical concerns to factor in, are of a certain age or change your insurance excess amount.
What are some travel risks in Bali?
When travelling to Bali, you need to think about visa requirements to get into the country, the threat of volcanic activity, health risks like insect-born illnesses and the local crime rate. Understanding the risks can make sure you have a travel insurance policy that will protect you where it counts.
Terrorism
Bali has an ongoing risk of terrorist attacks that could happen anywhere and anytime, with some targeting Western tourists. Terrorist attacks in the past have occurred in places of worship, popular tourist areas and government buildings with little to no warning. If a terrorist threat does happen, make sure to follow local authority advice and remain calm.
Crime
Crime is also a high threat in Bali. Thefts such as bag or phone snatching happen often, so make sure to keep your personal belongings close in busy public areas and near roads. Scams are also common. You should also make sure to only ever use licensed or officially metered taxis. Bali also has a high drinking and methanol poisoning rate. Never leave your drinks unattended and pay attention when drinks are being mixed.
Volcanic activity
Bali is home to two active volcanoes, Mount Agung and Mount Batur (along with a handful of dormant ones). While these might be listed on your itinerary for climbing, they can also cause unexpected delays to your trip. This can mean delays to your flights from ash clouds or even airport closures. If a volcano does erupt during your trip, make sure to listen to local travel alerts and avoid going into areas where there is known volcanic activity.
Earthquakes and Tsunamis
Bali is within an active earthquake region, which means there is a higher chance of an earthquake occurring. These earthquakes can also sometimes trigger tsunamis, which are recorded more frequently and on a higher destructive scale in the Indian and Pacific oceans than other oceans. If there is an earthquake or tsunami make sure you understand the emergency plan of your accommodation and follow local advice.
Health
While Bali belly might be a rite of passage for any first-time visitor, Bali is also a destination prone to insect-borne diseases like dengue fever, zika virus, malaria and more. Make sure to carry bug spray with you and that your accommodation is mosquito-proof. Rabies can also be common, especially in tourist destinations, so make sure to avoid contact with dogs, monkeys and cats. To make sure you’re safe for your trip, check with your doctor about any vaccinations you could get before travelling and make sure your policy will cover you for any emergency medical assistance.
Visa requirements
Within 48 hours (2 days) before your flight to Bali, you’ll need to fill in an arrival card. This is required for all travellers coming in from airports or ferries to be let into Indonesia. There are also strict rules around passport quality, which means Indonesian officials might turn you back if you arrive with a damaged passport. You’ll also need to organise a Visa on Arrival (VOA) or an electronic version. This is a visa for tourists for a maximum of 30 days, with the possibility to extend for another 30. All you need to apply is a valid passport and a return flight home. Foreign tourists can also be subject to a tourist levy of IDR 150,000 per person (around $12 AUD).
Frequently asked questions
Which companies offer travel insurance for Bali?
Many Australian travel insurers provide policies for trips to Bali, and iSelect compares a range of brands and policies.
Some brands that iSelect can help you compare include:
- Fast Cover
- Huddle Insurance
- Insure4less
- InsureandGo
- ReadySet Travel Insurance
- Southern Cross Travel Insurance
- Tick Travel Insurance
- Travel Insurance Saver
- Travel Insuranz
- Travel Protect
- WAS Insurance
- World2Cover
- Zoom Travel Insurance
Other travel insurers in the market include:
- 1Cover
- Allianz
- Blue Insurance
- Budget Direct
- Bupa Travel Insurance
- Cover-More
- Everyday Travel Insurance
- Medibank
- Nib
- RACV Travel Insurance
- Travel Insurance Direct
Note: iSelect does not compare all travel insurance providers in the market, or all products offered by our partners in your area.
What travel insurance do I need for Bali?
If you’re travelling to Bali you’ll generally need a single-trip travel insurance policy to cover your journey from the day you leave Australia until your return home. A comprehensive travel insurance policy can cover you for overseas medical cover, cancellations, travel delays and theft of your belongings.
The travel insurance you need for your trip to Bali really depends on your travel plans and the type of traveller you are, but your choice will likely fall into one of these categories:
- Single-trip travel insurance is taken out by travellers, if you’re only planning one or two trips across the year. It covers you for a specific journey, from the day you leave until you return home.
- Medical-only coverage is your base level of cover, which includes medical emergency assistance but not much else. Opting for medical-only coverage usually means a lower premium, which is why travellers with smaller budgets might choose this level. Just make sure to check your policy exclusions so you know exactly what you are and aren’t covered for.
- Comprehensive travel insurance is your full coverage option that’ll include medical coverage and other benefits like luggage cover, travel delays, theft of travel documents and more. Comprehensive travel cover could be a better option for trips with full-day tours, luxurious accommodation and rental cars.
- Annual multi-trip 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 (or a handful of other destinations) several times a year, an annual multi-trip policy could save you time and money.
Will travel insurance for Bali cover COVID-19?
Some travel policies for Bali will include COVID-19 benefits, but inclusions will vary from policy to policy. Some policies might cover your doctor’s bills or even give you back some cash if you have to cancel or cut your trip short. Since these inclusions can change a fair bit between providers, make sure to check the details in the product disclosure statement (PDS) before taking out a plan.
Enjoy Bali like a pro (minus the stress) with travel insurance
Before you’re sipping from coconuts, bargaining for sarongs and trying to avoid being adopted by a beach dog, it’s worth making sure you’ve sorted the boring-but-important stuff. Travel insurance can help take the ‘uh oh’ out of your holiday if things don’t go exactly to plan. If you’ve decided travel insurance is a good idea for your next Bali trip, there are plenty of policy options offering a variety of benefits. Compare a range of travel insurance policies and brands at iSelect.
Easily compare Travel insurance quotes
Save time and effort by comparing a range of travel insurance policies with iSelect
iSelect does not compare all travel insurers or policies in the market. Travel insurance is only available through our website and not all policies are available at all times or in all areas. Not all policies available from our partners are compared by iSelect and due to commercial arrangements and customer circumstances not all policies compared by iSelect will be available to all customers. Click here to view iSelect’s range of providers.
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