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What’s the Best Travel Insurance For Bali?

Last Updated on June 13, 2024

Kieren Windsor

Hi, I’m Kieren, a full-time blogger from the UK. Bali’s become my home from home after spending 10+ months visiting every corner of the island. Every photo on this blog was taken by us during our travels!

As affiliates, we may earn a commission on any qualifying purchase at no extra cost to you – read more .

It may not be the most exciting part of planning your trip to Bali, but arranging travel insurance is probably one of the most important things you need to do.

With so many insurers and policies to choose from, knowing where to start can be daunting. And simply choosing the cheapest insurance is never a good idea if you want decent coverage and a good experience when claiming.

So we’ve put together this guide with some key things to look for, and our recommended travel insurance for Bali after reviewing more than 20 different insurers suggested to us.

To create this list, we read their policy wording and reviews from people who’ve claimed. But please be mindful that we’re travel bloggers, not qualified financial advisors.

In a rush? Here are our top picks:

• For Aussies: Cover-More (AU)
• For Kiwis: Cover-More (NZ)

For Brits: Post Office

• For Americans: Generali
• For Digital Nomads: Safety Wing

Keep reading to find out why we recommend each of these.

Please note: It’s a big time commitment reviewing policies, so we’ve only included recommendations for our main audiences in Australia, New Zealand, the UK, and the US for now. Leave a comment at the end if you’d like your country included.

Is Travel Insurance Required To Visit Bali?

Although not a legal requirement to visit Bali, it would be unwise to go without travel insurance. The policies tend to be very affordable and can save you a lot of money if you need to claim.

It’s not uncommon for tourists to be involved in accidents on Bali’s chaotic roads or while taking part in activities like surfing. Flight disruptions are also common, especially if you’re connecting with local carriers. We’ve had a couple of flights completely cancelled with Air Asia causing onward journey problems.

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What Should I Look For?

Specific to Bali:

Best Travel Insurance for Bali

After reviewing many different travel insurance policies against our criteria above, here are the ones we recommend:

For Aussies & Kiwis: Cover-More

Australia Website | New Zealand Website

Why We Recommend Them

• As standard, you’re covered for almost every activity in Bali. This includes surfing, diving, ATVs, jet skis, etc.
• They cover unlimited medical expenses with affordable premiums.
• Known for being fast at processing claims.
• Their 24/7 hotline can help you find medical attention and make emergency medical payments to avoid any delays in getting treatment.
• Very generous lost/stolen items policy of $15,000 AUD total (up to $1500 AUD per phone). Laptops, drones, and cameras are covered too.
• You will not be disadvantaged if you’ve consumed alcohol (unless this was the cause of your accident).

Which Plan?

We recommend their ‘International Comprehensive’ plan which includes coverage for travel delays, missed connections, and enhanced cancellation options (such as the death of family members, your pet getting ill, etc).

The coverage (per person) on the ‘International Comprehensive’ plan is:

• Medical – unlimited
• Personal liability – $2.5m AUD
• Lost/stolen luggage – $15k AUD

Reviews From Claimants

• Covers you for most activities in Bali including surfing, scuba diving, white water rafting, kayaking, paddleboarding, etc (but not ATVs).
• Free access to a virtual doctor via the Air Doctor service. They can send prescriptions to a local pharmacy in Bali or refer you to a hospital if needed.
• High payout rate of 85-90% of all claims on their worldwide policies. This is well above average for UK insurers ( data source )
• There’s no age limit and insurance is available for all pre-existing medical conditions.
• Covers you for riding scooters/motorcycles (proving you have a valid licence and engine 125cc or below).

We recommend the ‘Premier’ plan which has the best cover for personal belongings (up to £400 per phone/personal item). As a nice bonus, you get free airport lounge access if your flight is delayed.

The coverage you’ll get on the ‘Premier’ policy is:

• Medical – £15m
• Cancellation Cover – £5,000
• Lost/stolen luggage – £3000 total (£400 per item)

• Claims may be invalidated if you have more than 0.19% alcohol in your blood (for reference, the UK driving limit is 0.08%). Many UK policies have small print like this.

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For Americans: Generali Standard

• Most sports and activities in Bali are covered. The main exceptions are parasailing and scuba diving deeper than 40m.
• They will pay upfront emergency medical payments and for a doctor (up to $1000) in case of acute illness. This is helpful if you get Bali belly .
• All Generali customers can use their telemedicine service to speak with a doctor back in the US. Ideal for non-emergency medical advice and prescriptions can be collected in Bali.
• Access many benefits that aren’t typically provided with travel insurance. For example, emergency cash transfers if your money is stolen and identity theft protection.
• Take advantage of their pre-trip assistance for information about visas, vaccination requirements, and cultural information. They also have a concierge service to help you book accommodation and activities in Bali.

Generali recommend their ‘Preferred’ plan for international travel. However, you’ll need to select the ‘Premium’ plan if you have any pre-existing medical conditions.

The coverage (per person) on the ‘Preferred’ plan is:

• Emergency Medical – $500,000
• Medical & Dental – $150,000
• Missed Connection – $750
• Lost/stolen luggage – $1,500

For Nomads and Expats: Safety Wing

• Monthly subscription that’s perfect for nomads and expats.
• Covers long-term multi-country trips.
• Pause anytime when you don’t need it.
• Covers most activities in Bali including surfing, snorkelling, and kayaking as standard.
• Can be purchased while you’re already travelling.

Safety Wing only has one level of cover. But we recommend you add electronics theft cover (+$10/month) and the adventure sports add-on (+$10/month) if you plan to do ATVs, rafting, or scuba diving which aren’t covered as standard.

The coverage on their standard plan is:

• Medical Cover – $250k USD
• Lost/stolen items (with add-on) – $3k USD ($1k per item)
• Personal Liability – $25k USD in lifetime

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Stay Covered in Paradise: Essential Bali Travel Insurance Guide

Embarking on a Balinese adventure promises an exotic blend of vibrant culture and breathtaking landscapes. But before you dive into the crystal-clear waters or explore the lush rice terraces, it’s crucial to consider how Bali travel insurance can safeguard your journey.

Whether it’s a missed flight, a lost suitcase, or an unexpected illness, travel insurance is your safety net, probably especially valuable on your first trip to the island . Let’s unpack why securing the right coverage is a non-negotiable for your Bali getaway.

Navigating the ins and outs of travel insurance can be tricky, but you’ll soon discover how a little prep can lead to peace of mind. With the right policy, you’ll be free to immerse yourself in Bali’s enchantment, knowing you’re covered every step of the way.

Why Bali Travel Insurance is Crucial

One of the key reasons to secure travel insurance for Bali is the medical coverage it provides. While Bali is renowned for its beauty, it’s equally important to recognize that medical facilities may not always meet the standards you’re accustomed to. Should you fall ill or sustain an injury, your travel insurance can cover the costs of treatment, which might be expensive without proper coverage.

Additionally, the unpredictable nature of travel means you might face flight cancellations or delays . These disruptions can have a domino effect on your travel plans, leading to missed hotel bookings or connecting flights. Your Bali travel insurance can offer compensation for the inconvenience and help salvage your itinerary.

Lost or stolen belongings are another reality of travel. In Bali, where you’ll likely be on the move exploring, the risk of loss is amplified. Luckily, travel insurance provides peace of mind by covering the loss of valuable items, so you can focus more on the experiences and less on your possessions.

Natural disasters and political unrest are also considerations when traveling abroad. The possibility of such events shouldn’t deter you from visiting Bali, but being prepared with the right insurance coverage means you’re ready to tackle any challenge that arises.

Choosing the right travel insurance for Bali requires understanding the specifics of what’s covered:

• Medical expenses and evacuation
• Trip cancellations or interruptions
• Lost, stolen, or damaged luggage
• Emergency assistance services

By ensuring your travel insurance policy covers these areas, you’ll not only safeguard your trip but also enjoy the vivid landscapes and rich culture of Bali with the confidence that comes from knowing you’re protected.

Key Considerations for Choosing the Right Coverage

When looking for Bali travel insurance, it’s crucial to assess the extent of coverage. Different policies offer varying levels of protection, and you’ll want to ensure you’re not underinsured or paying for unnecessary extras.

Policy Limitations and Exclusions are the first things you should scrutinize. Read the fine print to understand what’s not covered under your plan. For instance, high-risk activities, such as scuba diving or bungee jumping, may require additional coverage. Always verify that your policy provides adequate protection for your specific needs in Bali.

Next, consider the Medical Coverage offered by the insurance policy. Healthcare in Bali can be expensive, especially if evacuation is needed. Make sure your policy has a high enough limit to cover hospital stays, treatments, and potentially, medical repatriation. It’s wise to look for plans with direct payment to hospitals. This way, you won’t have to pay out of pocket and seek reimbursement later.

Another critical component is coverage for Delays and Cancellations . Trips can get disrupted due to various reasons, such as natural calamities or even personal emergencies. Your travel insurance should compensate you for the expenses incurred due to these unforeseen and involuntary changes in your itinerary.

Don’t overlook Luggage and Personal Belongings Coverage . It provides compensation if your items are lost, stolen, or damaged during your trip. Make an inventory of valuables you’ll be carrying and ensure your policy’s coverage limit reflects their worth.

Finally, Customer Support is something you’ll want to lean on if things go south. Reliable travel insurance companies offer 24/7 assistance. This could be a lifesaver when you’re in a foreign country and need help immediately.

By considering these critical aspects, you’ll find Bali travel insurance that offers peace of mind and caters to the unique challenges you might face on your adventure. Remember, the best policy is one that’s tailored to fit your specific travel plans and risk profile.

Understanding the Ins and Outs of Travel Insurance

Before you hit the pristine beaches or the lush rice terraces of Bali, it’s paramount to get a handle on the intricacies of Bali travel insurance . You’re investing in your peace of mind, ensuring that unexpected hiccups won’t derail your dream vacation.

Firstly, you should be aware that not all policies are created equal. Bali travel insurance can come with a range of coverage options that cater to different types of travelers. Whether you’re an adventure seeker planning to surf the waves or a culture enthusiast indulging in local ceremonies, there’s a policy to match your activity level.

Here are some key elements to scrutinize:

• Medical Coverage : Check if your policy offers comprehensive medical coverage, this is non-negotiable. You’ll want to ensure that it includes hospital stays, medication, and even medical evacuation if necessary.
• Trip Cancellations and Interruptions : Life is unpredictable. A sudden illness or a family emergency can change your plans instantly. Your policy should cover trip cancellations or interruptions so you’re not left bearing the full brunt of non-refundable costs.
• Lost or Stolen Belongings : Luggage can go missing or valuables can be stolen. Confirm your insurance covers personal items and know the process for claims.
• Natural Disasters and Political Unrest : Though hopefully rare, these events can happen. Verify your travel insurance extends to these scenarios, so you’re protected against the larger forces at play.

Clearly understanding the policy limitations and exclusions is just as important as knowing what’s covered. Always read the fine print and ask questions if you’re unsure.

When in doubt, reach out to the customer support of your insurance provider. Good customer service can go a long way, especially when you’re in need of guidance while navigating a stressful situation away from home.

As a rule of thumb, you shouldn’t shy away from asking for a detailed itinerary of what’s covered under your Bali travel insurance plan. That way, you’ll know exactly what you’re paying for, and more importantly, you can travel with a sense of security knowing you’re well-prepared for whatever comes your way.

How to Ensure Peace of Mind with the Right Policy

When embarking on your Bali adventure, securing the right Bali travel insurance policy is akin to drawing a safety net around your trip. The key to peace of mind lies in custom-tailoring a plan that fits snugly with your unique travel agenda. Here’s how you make sure you’ve got the coverage that lets you breathe easy under the Balinese sun.

First off, verify the comprehensiveness of your chosen insurance plan. A well-rounded policy covers not just the obvious snags like flight cancellations or medical emergencies but also accommodates less thought-of issues such as trip interruptions or legal assistance.

Pin Down the Details

Dive into the specifics:

• Deductibles : Understand how much you’re expected to pay out-of-pocket before reimbursement kicks in.
• Coverage Limits : Ensure the policy’s monetary caps are sufficient for potential losses or expenses.
• Exclusions : Be aware of what’s not covered, so there are no unpleasant surprises.

Check the Provider’s Reputation

Research the insurer:

• Reputation matters as you’re relying on their promises. Look for customer reviews and ratings to gauge reliability.
• Prompt customer service ensures that even in the event of an incident, you’re not left stranded without guidance.

Stay Informed on Local Conditions

Be updated about Bali’s current situation with a quick rundown on:

• Health alerts or disease outbreaks that might necessitate vaccinations in advance.
• Political climate, which may affect the stability of your travels.

Read Every Word

Carefully reviewing your Bali travel insurance policy is non-negotiable. Deftly sidestep potential pitfalls by understanding exactly what’s in black and white. This isn’t where you skim – each clause could be the difference between an inconvenience and a crisis.

Take the guesswork out of your travel planning; once you’ve thoroughly vetted your insurance options, you’ll be well-equipped for a Bali adventure with true peace of mind.

Immersing Yourself in Bali’s Enchantment with Confidence

With Bali travel insurance in your back pocket, you’re all set to immerse yourself in the island’s enchantment without a hint of hesitation. Bali’s alluring beauty doesn’t just call for adoration; it demands exploration with the peace of mind that you’re covered in case of any unforeseen events.

• Discover Bali’s majestic temples like the serene Uluwatu Temple that sits on a cliff, without worrying about medical mishaps.
• Dive into the vibrant marine life while snorkeling in Amed, assured that any lost or damaged gear is a mere hiccup thanks to your insurance policy.
• Tantalize your taste buds with Bali’s exquisite cuisine at bustling markets—your policy can handle any unexpected allergic reactions.

It’s not just about being adventurous; it’s also about being smart. Your insurance policy is your silent guardian, watching over you as you trek through the lush rice terraces of Tegallalang. Should you face an accidental slip or fall, your coverage is there to pick you up, so you can continue your journey with minor delays.

Beyond the physical adventures, Bali travel insurance helps in managing the mundane but necessary aspects of travel:

• If your bags wander off to a destination that isn’t Bali, the insurance company’s assistance service can help track them down.
• Should your flight get delayed, causing you to miss a pre-paid tour, look to your policy for compensation on non-refundable expenses.

Before you dive headfirst into Bali’s warm waters or explore the depths of its cultural heritage, remember to verify 24/7 emergency assistance services that your insurance provider offers. Stay connected to your insurer – they’re your lifeline, whether you’re up against flight cancellations, need an emergency medical evacuation or face the hassle of lost documents.

Securing the right Bali travel insurance before you jet off can be the difference between a trip remembered for adventure and one remembered for mishaps. With the right policy, you’ll navigate the island’s wonders knowing you’re prepared for the unexpected. Whether it’s medical emergencies, lost belongings, or travel disruptions, you’re covered. Remember to review your policy details and ensure you have 24/7 support at your fingertips. Safe travels and enjoy the peace of mind that comes with being well insured on your Bali getaway.

Frequently Asked Questions

What is the main purpose of travel insurance for bali.

Travel insurance for Bali aims to protect travelers from unforeseen events such as medical emergencies, lost or damaged gear, and travel interruptions, ensuring a more secure and worry-free trip.

Why is comprehensiveness important in choosing a Bali travel insurance plan?

A comprehensive travel insurance plan for Bali covers a wide range of potential issues, from medical mishaps to gear loss, ensuring peace of mind across various travel experiences.

What should I check about the travel insurance provider’s reputation?

Research the insurance provider’s customer reviews, claims handling, and industry ratings to gauge their reliability and the quality of their customer service.

How can reading the insurance policy thoroughly benefit me?

Understanding the policy’s deductibles, coverage limits, and exclusions helps you know what is covered and to what extent, which can prevent surprises in case you need to make a claim.

What are the benefits of Bali travel insurance?

Bali travel insurance benefits include coverage for medical incidents, protection for gear while snorkeling, compensation for lost bags, and support for unexpected travel delays.

How can 24/7 emergency assistance services be helpful in Bali?

These services can assist with managing flight cancellations, emergency medical needs, lost documents, and other urgent issues, no matter the time of day.

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Domestic Travel Insurance

Travel insurance isn’t just for going overseas, protect yourself at home too

You could save on your travel insurance

You could save up to 5% on a new travel policy if you already have insurance with us 1 .

Choose the cover that’s right for you

Choose between our Domestic Cancellation, Comprehensive and Annual Multi-Trip Travel Insurance plans to make sure you get the cover you need.

Domestic Comprehensive plan

Here’s a summary of our Domestic Comprehensive cover

Cancellation If your trip is cancelled or rescheduled unexpectedly, you can claim some travel and accommodation costs.

COVID-19 protection Protect your travel plans against the impacts of COVID-19 (limits and conditions apply).

Luggage and or personal items Lost, stolen or damaged luggage and belongings are covered, including travel documents and credit cards when you choose Comprehensive (up to $8,000).

Rental vehicle excess We'll help cover the insurance excess on your rental if it gets damaged or stolen, when you choose Comprehensive (up to $10,000).

24-hour emergency hotline Speak to our expert, multilingual team at any time, from anywhere in the world.

Legal liability We'll cover your legal and settlement costs in some situations if you accidentally injure someone or damage their property.

Not included

There are some things we don’t cover

Medical expenses

We don't cover medical, hospital or dental costs in Australia.

Known events

We don't cover incidents due to things you should know about, like a pandemic, or if you travel against warnings or official advice.

Domestic Comprehensive optional extras

Add these when you get a quote for Domestic Comprehensive

Skiing and winter sports Add cover for things like damaged ski equipment, or approved hospital and medical expenses if you're injured on the slopes.

Valuable items Add extra cover for special items like your watch, jewellery or camera.

Cruise cover Add cover for certain unforeseen cancellations, as well as approved medical and evacuation costs if you get sick or injured.

Motorcycle and moped cover Add cover if you plan on riding or being a passenger on a motorcycle or moped.

Domestic Cancellation plan

Cancellation

If your trip is cancelled or rescheduled unexpectedly, you can claim some travel and accommodation costs.

You can select the amount of cancellation cover that suits you.

Annual multi-trip

Take as many trips in a year as you want, all on the one policy. All our annual multi-trip plans are Comprehensive, giving you our highest level travel insurance.

You can select cover for up to 15 or 30 days per trip. That way, you can travel as often as you like throughout the year (up to your chosen limit).

To be covered by an annual multi-trip plan, your destination must be over 250km from your home. Or, if your destination is less than 250km from your home, your trip must include at least one night of paid accommodation (like in a hotel or Airbnb).

Policy booklets

For full details including limits, conditions and exclusions, read these policy documents

Heading overseas? Get cover for your trip before you set off.

With over 90 years’ experience, we know how to protect the things you care about

We’re here to give you the emergency assistance you need, 24 hours a day, 7 days a week

You could save up to 5% on a new policy if you already have insurance with us 1

Just need domestic travel insurance that covers cancellation only?

Have a Domestic Travel Insurance question? We can help

Does my travel insurance cover covid-19 claims does my travel insurance cover covid-19 claims.

To see if your situation will be covered, read the Product Disclosure Statement (PDS) .

What’s a travel excess and how much is it? What’s a travel excess and how much is it?

An excess is an amount you may need to pay towards a claim. Different levels of excesses may apply, depending on the policy you choose.

For full details, read the Product Disclosure Statement (PDS) .

How long do I have to make a travel claim? How long do I have to make a travel claim?

Most claims can be made at any time, but sometimes you'll need our approval before you incur certain costs. Generally, you should make a claim as soon as possible, but if you're unsure, get in touch with us.

Find out how to make a claim

Will I be covered for cancelling my trip? Will I be covered for cancelling my trip?

All our travel policies include cover for cancellation or rescheduling under certain circumstances. The level of cover depends on the amount you select.

To check what's covered with your policy, read the PDS .

Are children covered when they’re travelling with me? Are children covered when they’re travelling with me?

Children are included in the sum insured of their parent, grandparent or legal guardian's policy if they're:

• Under the age of 21
• Identified on your policy document
• Travelling with you.

When travelling without a parent, grandparent or legal guardian, children need a separate insurance policy. This policy needs to be purchased by a parent, grandparent or legal guardian.

Can I get domestic cover for cancellation only? Can I get domestic cover for cancellation only?

Yes, if you don't need cover for things like luggage and legal liability when travelling in Australia, you can choose our Cancellation Only Plan when you get a quote.

Things you should know

• This discount is available for existing NRMA Insurance customers. Discount applied to total premium price (including government charges, taxes, levies and fees). We may withdraw this offer at any time.

NRMA Travel Insurance issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507), arranged and administered by Cover-More Insurance Services Pty Ltd ABN 95003 114 145, AFSL 241713 and promoted and distributed by Insurance Australia Limited ABN 11 000 016 722, AFS Licence No. 227681 trading as NRMA Insurance (NRMA Insurance) as well as by its authorised distributors. Limits, sub-limits, exclusions, terms and conditions (including eligibility criteria) apply. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit Target Market Determinations (TMD) . If you purchase this product from NRMA Insurance or its authorised distributors, they may receive a commission, for more information please refer to NRMA Insurance’s FSG .

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 . You 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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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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• Key takeaways

Do I need travel insurance to visit Bali?

More details on our top indonesia travel insurance plans, what does travel insurance for bali cover, what isn’t covered by travel insurance for bali, common scenarios in indonesia that require travel insurance, how much does travel insurance for bali cost, tips for getting the best bali travel insurance, bali travel information & requirements, faq: bali travel insurance, related topics.

Best Travel Insurance for Bali, Indonesia (2024)

• Good medical care can be expensive and hard to find in Indonesia . On top of this, US health insurance is not accepted in Indonesia.
• A travel medical insurance plan can get you quality medical care while in Indonesia and also reimburse you if you need to cancel or interrupt your trip for medical reasons.
• Based on our analysis, the best travel insurance for Bali is offered by Seven Corners, Travelex and Tin Leg ( skip ahead to view these plans ).
• Compare plans online to view price quotes from multiple insurance companies at once.

Our top picks for the best travel insurance bali

• Seven Corners: Best Plan Overall
• Tin Leg: Affordable Comprehenisve Coverage
• Faye Travel Insurance: Customizable & Easy to Use

Our top picks for the best travel insurance for Bali

Seven corners.

Faye Travel Insurance

Indonesia doesn’t legally require visitors to have travel insurance , but most experts, including the US Government , highly recommend you buy a policy when visiting the country.

As a reminder, US health insurance doesn’t usually work outside of the US. Therefore, most travelers opt for medical travel insurance at a minimum.

Best Plan Overall

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

Affordable Comprehenisve Coverage

• Excellent primary coverage for medical expenses
• High limit for emergency evacuation coverage
• Optional cancel for any reason (CFAR) coverage available
• Comes with coverage for hurricanes and inclement weather
• Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
• Baggage delay coverage requires a 24-hour waiting period
• Low coverage limits for baggage and personal effects

Customizable & Easy to Use

• Friendly agents
• Easy-to-use mobile app
• Fast reimbursements for eligible claims
• Prompt replies to questions
• Long wait times for reimbursement
• Difficulty reaching Faye outside of email & virtual chat

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: Most travel insurance policies won’t cover any expenses arising from pre-existing medical conditions. However, there are a few providers with travel policies that cover pre-existing conditions .
• Foreseeable events: Travel insurance doesn’t cover events that a reasonable person could have predicted. This often relates to purchasing a travel insurance policy after news has already spread about a given conflict – such as war or imminent natural disasters.
• Bad weather: Normal inclement weather is not covered by travel insurance, but you can get coverage in case a hurricane or tropical storm ruins your trip.
• Pregnancy: If you get pregnant after you purchase your travel insurance policy, your travel insurance won’t cover routine pregnancy expenses like birth or labor. However, pregnancy travel insurance coverage may cover expenses related to unexpected medical complications due to pregnancy.
• Illegal activities: Travel insurance doesn’t cover expenses arising from illegal drug use or other criminal activities.

Sub-standard medical facilities

According to the US Government, Indonesia is known for having sub-standard medical facilities and medical evacuations to a quality medical facility can cost over $100,000 per person. Emergency travel medical insurance can easily cover all of these costs and get you to a quality medical facility if needed.

Earthquakes, tsunamis, & volcanic activity

While it may seem improbable, travel.state.gov highlights the risk of earthquakes, tsunamis, and volcanic activity in Indonesia as one of the most important risks to travelers visiting the country. Indonesia is located in the Ring of Fire and has 127 active volcanoes and experiences 4,000 earthquakes per year. Therefore, it’s important to find a travel insurance policy that can cover evacuations and trip interruptions due to these potential natural disasters.

Risk from sporting activities

Bali is home to Mount Batur, West Bali National Park and other points of interest. If you decide to go hiking, try SCUBA diving or participate in other adventure activities, you’ll need a comprehensive travel insurance policy that can cover these sports. Some travel insurance providers 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 driving accidents

Indonesia doesn’t have a strong public transportation system, so many people use motorbikes and mopeds to get around. The risk of accidents and serious injury is higher for motorcycles and mopeds than it is for standard cars and trucks, especially if you ride with locals who dart around traffic or drive at high speeds. Comprehensive travel insurance plans often cover medical expenses and other costs arising from this type of accident.

On average, travel insurance for Indonesia costs roughly $4/day based on internal sales figures from LA Times visitors over the past year. LA Times customers spend an average of 27 days in Indonesia for a total average cost of $117.47 for travel insurance.

That said, the cheapest travel insurance plans for Bali offering basic medical travel coverage cost just under $1/day.

To help give you a better idea of how much travel insurance costs for Bali, we got sample quotes for a $2,000 trip for a 35-years-old traveler spending 7 days in Indonesia.

Cost Example for Medical-only Travel Insurance Plans

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 .

For a few extra dollars per day, it is well worth the cost to opt for a comprehensive plan which can reimburse you via trip cancellation and interruption coverage, missed connections and delay coverage, and much more.

Cost Example of Comprehensive Travel Insurance Plans

By upping coverage limits to include full trip reimbursement coverage, we found plans cost between $7 and $11 per day which is still very affordable.

Keep in mind that these plans are for example purposes only and several factors affect the cost you will pay for Bali travel insurance, including:

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

A good rule of thumb is to aim to spend between 5% and 6% of what your trip cost you on a travel insurance plan.

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

Use a Comparison tool

Online comparison tools allow you to get travel insurance quotes from many providers at once. This lets you compare coverage and prices all in one place and can help you save time and money when buying a policy.

Read the fine print and policy exclusions

Every travel insurance policy is different and what is covered under one policy may not be covered under another. It’s important to have a look over the exclusions of the policy to understand what is not covered.

Consider your specific risks when buying coverage

If you plan to take part in action or adventure sports like snorkeling, diving, hiking, climbing, and more, you’ll need to check if these are covered under each policy. The same is true for pre-existing medical conditions

Understand how high the limits should be

As a general rule of thumb, the farther from the US you travel, the higher your limits should be. This is especially true for emergency medevac limits which can be hundreds of thousands of dollars. $250k in medical expenses coverage is usually enough for most travelers.

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.

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 .

About the Author

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 five 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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Policy Details

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Travel insurance

NRMA Comprehensive Multi-Trip review

Annual policy..

This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how common it is for consumers to bring a travel insurance dispute to AFCA about them.

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Maximum age for dependants listed on the policy. In years (up to and including the number stated).

Does the policy list pre-existing medical conditions that are automatically covered.

Does the policy cover pre-existing medical conditions that are not listed as automatic cover on the policy (on application and subject to approval)

The lower the number, the better. It's the time period before booking your trip that a medical condition would be covered if you've had no symptoms,  medication or treatment (as long as that condition isn't specifically excluded). If for example, your condition last showed symptoms 18 months ago, but the time period here is 12 months, then you'll be covered subject to the other conditions of the policy.

Are claims covered that arise from pregnancy or pregnancy complications?

Until which stage pregnancy is covered for single births (up to and including).

Are medical costs covered for the mother if childbirth occurs up to the maximum pregancy stage

Limit for medical and emergency evacuation and repatriation expenses for illness or injury.

Expenses for an accompanying person such as a member of the travelling party, a friend or a close relative (not necessarily listed as insured on the certificate of insurance) to travel to the sick policyholder overseas, remain with them in hospital and accompany them home during an emergency repatriation.

Daily hospital cash allowance per person.

Minimum number of hours the insured must be continuously hospitalised before receiving the hospital cash allowance.

Limit for dental as a result of an accident.

Limit for dental as a result of sudden and acute pain.

Limit for overseas funeral costs and the return of mortal remains per deceased person, in the event of the death of the policy holder. There may be a separate limit for 'return of mortal remains' and 'overseas funeral costs', so check the policy terms for more details.

Limit for additional accommodation and travel expenses if the policy holder cannot travel due to injury or sickness.

The limit for additional travel expenses per person if travel is interrupted by an insured event (not including injury or sickness as that is covered separately under 'Additional travel expenses for injury or sickness'). Cover is assessed on individual circumstances.

Whether the policy covers you for additional travel expenses per person if travel is interrupted due to a lost or stolen passport or travel documents. Cover is assessed on individual circumstances.

Whether or not the policy covers you for additional accommodation and travel expenses if you need to curtail travel due to the serious illness or injury of a relative at home. May be subject to assessment of pre-existing conditions for the relative.

Limit for resumption of a journey interrupted due to the serious illness, injury or death of a relative. May be subject to assessment of pre-existing conditions for the relative. Check the policy terms for more details. 'Cancellation cover chosen' means variable cover options are available.

Whether the policy covers you for cancellation or amendment expenses.

Limit for cancellation or amendment expenses. 'Cover chosen' means variable cover options are available.

Limit for cancellation expenses for transportation bought using frequent flyer points.

Limit for travel agent cancellation fees.

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to insolvency of a travel agent. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to unexpected/involuntary retrenchment. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for members of the Defence Force and Federal, State or Territory Emergency Services. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for non-emergency services occupations. Cover is assessed on individual circumstances.

Are stolen or damaged personal belongings covered

The overall limit for stolen or damaged personal belongings.

Limit for a single unspecified item.

Limit per item for a video or photo camera. Cover is assessed on individual circumstances.

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

Limit for a smartphone. Cover is assessed on individual circumstances.

Limit for any prescribed medications. Cover is assessed on individual circumstances.

Overall limit for specified items, available for an extra premium. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight during the day. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight overnight. Cover is assessed on individual circumstances.

Cover for valuables such as laptops, tablets, mobile phones, jewellery or cameras locked in the luggage compartment of a car. Cover is assessed on individual circumstances.

Cover limit per person for lost or stolen cash. Cover is assessed on individual circumstances.

Overall limit for a single person for baggage lost temporarily. Cover is assessed on individual circumstances.

The minimum period of time in hours before which cover applies for temporarily lost baggage. Cover is assessed on individual circumstances.

Limit for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if the scheduled transport is cancelled or delayed.

Limit for additional travel expenses to reach pre-paid travel arrangements on time if the scheduled transport is cancelled or delayed. Cover is assessed on individual circumstances.

Whether the policy is automatically extended if your journey is extended due to unforeseen circumstances.

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

The minimum number of hours before transport delay is covered. Cover is assessed on individual circumstances.

Limit per person per 24-hour period for this transport delay. Cover is assessed on individual circumstances.

Is the collision damage excess for a hire car covered?

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

Does the policy cover cancellation and additional expenses for claims due to transport incidents like mechanical breakdown and accidents?

Does the policy cover cancellation and additional expenses for claims due to strikes?

Does the policy cover claims due to mental health illness experienced for the first time on the trip, and not classified as an ongoing or existing medical condition?

Does the policy cover claims due to COVID-19?

Does the policy cover claims due to pandemics other than COVID-19?

Does the policy cover claims due to natural disaster?

Does the policy cover claims due to civil unrest?

Does the policy cover claims due to terrorism?

Does the policy cover claims due to war?

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