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Bali Travel Insurance


19 July, 2019 By Natalie Smith

 

With its soft sandy beaches, wild nightlife, sprawling rice fields, exotic cuisine, and more cultural quirks than you can shake a stick at, it’s no wonder more than 800,000 Australians are drawn to the island of Bali each year.

Despite its idyllic veneer, Bali comes with some risks and can be tough to navigate in times of trouble.  We don’t like to think of holidays as risk taking ventures, but the truth is, new environments, unfamiliar territory, foreign languages and exotic foods can throw any traveller for a loop. From injuries and illnesses such as Bali belly, scooter accidents or monkey bites; to cancelled flights due to volcanic ash clouds, tsunamis and earthquakes, travel insurance is essential to protect you and your Bali holiday.

Do I need travel insurance for Bali?

It is not compulsory to have travel insurance to enter Indonesia, however it is highly recommended.  If there is only one reason you should take out travel insurance, it is for medical cover.  It's important to remember that you're not covered by medicare in Indonesia and the Australian Government won't pay for medical costs or emergency evacuation should the occasion arise.

Some of Australia's favoured cheap holiday destinations can be the most expensive when it comes to accessing emergency flight access out. A medivac from Bali to Australia would set you back between $30,000 - $40,000.  A travel insurance policy for 7 days is likely to cost you less than 50 bucks.

Don’t let your travel  bug bite you on the bum or have your trip end in financial ruin -  pack travel insurance along for the ride.

Compare travel insurance for Bali

Whether you're a budget conscious backpacker, a surfer seeking waves, being tempted by the thousands of temples or seduced by sipping cocktails on a relaxed beach break, it pays to compare travel insurance policies to find the right cover for your trip.

When comparing Bali policies, it's important to consider benefits, as well as costs.

The cost of travel insurance can vary enormously! Say you’re 30 (ish) years old and you’re going to Bali for a one-week holiday. Depending on your preferred level of cover, you can expect to pay anywhere from $32 to $250. 

Basic policies for around $20 – $50 you an expect (generally speaking) medical, personal liability and unexpected travel expenses. 

Mid-level policies for around $30 – $60 you can get decent cover which includes benefits like medical, cancellation, personal liability as well as some cancellation and luggage cover. 

Comprehensive policies for around $60 – $250 offers generous cover including medical, cancellation, personal liability, luggage, luggage delay expenses, hospital cash allowance, travel documents and unexpected travel expenses.
 

WHAT DOES BALI TRAVEL INSURANCE COVER?


If your blissful Bali trip takes a downward turn for any of the following reasons, comprehensive cover will keep you in ship shape.
 
medical-assistance

24/7 Medical assistance

Food poisoning, drink spiking, malaria, dengue fever and moped accidents are all high on the risk scale in Bali. Overseas medical costs can be huge! Luckily, your policy will cover the exorbitant expense of overseas medical cover.

cancellation cover

Cancellation cover

Otherwise, travel insurance will usually cover unforeseen cancellations for events such as natural disasters, as well as accidents, hijackings, severe sickness or injury.

cancellation

Lost or damaged Luggage

Petty crime, such as opportunistic theft, is common in Indonesia. Your travel insurance will reimburse you for lost, stolen or damaged luggage. Comprehensive cover also includes cover for theft of cash and travel documents too.

No hidden fees

Travel delays

Bummer, your flights delayed, now what!? If your transport is postponed due to an unforeseen reason, your out-of-pocket accommodation, meals, and transport costs would be covered until you get back-on-track. Note, this benefit probably won't kick in if you only have a short delay which is less than 6 hours. 

family emergency

Family emergency

It's always a worry going on holiday leaving loved ones behind. Never fear, should a close relative, or the person you’re travelling with become seriously ill, injured or heaven-forbid die, your travel expenses would be claimable. Restrictions can apply for relatives age, medical conditions and where they live. 

personal liability

Personal liability

If you injure someone or are held accountable for damaged property in Bali the consequences could be disastrous, particularly when you are unfamiliar with local laws and regulations. In such an event, your policy will cover your liability costs to a degree. 

what it doesn't cover


  • Riding risky: It’s a tried and true tourist tradition to hire mopeds or scooters in Bali, despite most having never attempted to do so! Balinese roads are hairy to say the least. The stats say it all; each day at least three people die in crashes in Bali and 150 accident victims require medical treatment. Be warned that your insurer will not cover you if you are found riding without a current Australian license (valid in the country you are in) or a helmet.
     
  • Unattended items: Keep a strong hold over all your belongings as leaving your stuff unsupervised will not be covered for.
     
  • Being intoxicated: Whether your drink of choice is a Bingtang or Bali Breeze, all claims related directly to alcohol and drugs will not be paid. Have fun in moderation…Schoolies beware!
     
  • Terrorism and travel warnings: Since the Kuta bombings of 2002, government bodies have warned tourists to 'exercise a high degree of caution' in Bali.  While the chances of getting caught up in an act of terrorism are small, it’s still a good idea to keep up to date with travel advisories on sites like smarttraveller.gov.au.  Generally travelling against DO NOT TRAVEL warnings from the Australian Government will jeopardize your cover.
     
  • High risk activities: Adventure activities are plentiful in Bali. From rock climbing to scuba diving, adrenaline junkies are spoilt for choice. But watch out, as participating in particularly risky activities such as climbing (where ropes are needed), cliff jumping or sky diving may not be covered by your policy.  Be sure to scan your policy’s small print to check out which of your preferred heart pounding activities are covered.
     
  • Pre-existing conditionsMedical conditions that exist before you travel are generally not covered, but it pays to check. You can sometimes pay a bit extra to get some conditions covered. Check your policy wording to see what conditions are covered automatically, and which ones require a medical assessment first.
     
  • Unreported items: You need to report theft or loss to the relevant authority ASAP (and your travel insurance provider) within 24 hours.

 

natural disasters in indonesia

Indonesia has been thwarted by a series of natural disasters; volcanoes, ash clouds, earthquakes and tsunamis have all caused significant issues for travellers in recent years.

In the majority of cases Australian travel insurance policies do cover you for unforeseen natural disasters that affect your holiday, however it's still a good idea to wise up on your cover.

If you already have a policy and have started your journey and your transport is delayed or cancelled or your accommodation is directly affected by a natural disaster there may be provision to claim for reasonable additional travel, accommodation and meal expenses.

If you have a policy but have not started your holiday and your pre-booked travel arrangements are cancelled, delayed or rescheduled as a direct result of a natural disaster, you may be able to claim for cancellation or rearrangement of your journey.


If your flights have been cancelled or your destination deemed unsafe, we recommend you contact your travel agent or travel provider regarding the best option in altering your trip. Some travel providers may provide penalty free options to amend travel arrangements and we suggest you contact them for further details.

It's good to remember that while flight delays can be frustrating, groundings due to natural hazards are always in the interest of passenger safety.

Not all insurers cover natural disasters

 

Like every type of insurance there are conditions you need to pay attention to- a few insurers where you need to pay attention to their conditions of cover as explained in the table below.

INSURER    CONDITIONS
Insure4Less   Cover for hurricane, storm or other natural disaster only when it threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable.
InsureandGo  Medical cover due to any natural disaster is automatically covered however for cancellation you must purchase this option as an additional extra.
No Worries  Only covers for natural disasters in Australia.
Tick Travel Insurance                                 To include unexpected Natural Disaster as a claimable event, you must have purchased this option and the option must be shown on your Policy Schedule.
 

riding a scooter in bali

  If you're planning on riding a motorbike or scooter in Bali, make sure you're clued up on cover befor you get behind the wheel. 
 
  • Some insurers do not require you to have a motorcycle license if riding a low capacity engine and will cover you for a bike 50cc - 125cc.
     
  • Others have maximum engine size limits which you’re only insured to ride - irrespective of what your license says.
     
  • And some cover you for whatever engine size you ride as long as you're licenced to do so in Australia and you license is valid in the country you are riding in.

Make sure you read our guide on which travel insurers cover moped and motorbikes.

 

how to save on bali travel insurance

 
save on travel insurance
  • Choose your destination wisely – You might be able to save yourself a few buckaroos by finding an insurer that classes Bali in its own price bracket, rather than grouped under Asia. Eugene's (The King of Insurance) Top Tip!  Picking 'Bali' as your destination, rather than 'Indonesia'  if you're only heading to Bali might save you a few buckeroos!
     
  • Consider how often you travel - If you travel a few times per year, you could save by purchasing an annual multi-trip policy rather than purchasing a policy each time you take off.
     
  • Combine policies - If travelling with your family or a companion, a joint policy is often cheaper than purchasing separately.
     
  • Increase your excess - Most insurers allow you to lower your premium by opting to pay higher excess in the instance that you need to make a claim.
     
  • Shop around - You'll be amazed at how much travel insurance quotes can vary. Offers by travel agents or airlines usually have commissions added on. In fact, you can save up to 50% by shopping around, so it pays to buy your travel insurance direct. Doing your comparison online will allow you to compare loads of quotes in seconds. Yippee

 


BAli fun facts

 

  • Capital: Depesar
  • Currency: Indonesian Rupiah
  • Language: There are 580 different dialects spoken in Indonesia!!
  • Culture: Bali is home to religious sites such as the cliffside Uluwatu Temple
  • Nightlife: Kuta is a tourist favourite known for its lively bars, while resort towns like Seminyak, Sanur and Nusa Dua offer more laid back, family-friendly alternatives
  • Nature: The Volcano Agung is considered the most sacred site on the island
  • Food & drink: Bali is home to the world’s most expensive coffee –a unique blend named ‘Kopi Luwak’ which is made from the droppings of the civet cat! Would you pay $50 a cup?
  • Beaches – The wild waves of Uluwatu, Pandang Pandang and Impossible beaches attract the surf mad crowd, while tourists who favour the beaten track take to Bali’s unique black sand volcano beaches
  • Visa: Aussies can buy a 30 day visa on arrival

Safety Speed Dial

Found yourself in a pickle? Should you encounter a Bali blunder the following emergency contacts are good to have on hand.

Government Tourist Information Centre
Jl.Bana Sari No.7
Legian Kuta
Denpasar
Bali
Phone: 754 092

Australian Embassy Jakarta
Jalan H R Rasuna Said Kav C 15-16
Jakarta Selatan
12940 INDONESIA
Phone: +62 21 2550 5555
[email protected]

Bali Police Headquarters
Jalan WR Supratman
Denpasar
Bali
Phone: 0361 227 711 

Australian Consulate General Bali
Jalan Tantular 32
Renon
Denpasar
Bali 80234
Phone: +62 361 241 118
 

Ready To Find Your Perfect Bali Travel Insurance Policy?

Stuff going wrong on holiday shouldn’t be your foremost concern when planning your trip. After all you’ve got an exciting itinerary to navigate! But like it or lump it, without safeguarding your travels, all the fun stuff could be nullified in the flash of an eye.

Compare Bali travel insurance policies to save time, worry and loads of money. You’ll be on your way to a relaxed, worry-free holiday quicker than you can say “terima kasih” (thank you)!

 

 

BALI TRAVEL INSURANCE Faq'S

Have a tricky travel insurance question? Here are some of the most common queries we get from our customers.

How much does travel insurance to Bali cost?

It will largely depend on your age and how long you're going for. Comprehensive Travel Insurance to Bali for 7 days for a 30 year old can cost as little at $35. That's peace of mind for $5 a day. A small price to pay for you to enjoy your holiday knowing you're protected should the unexpected happen.

Am I covered if my trip is disrupted by a terror attack?

Most travel insurance policies will cover you if you are injured in a terror attack on your holiday. But wishing to cancel your trip because you are worried about acts of war are generally not. Learn more about travel insurance and terrorosim here.

Does picking Bali also cover Lombok?

When getting quotes for Lombok or the Gilli Islands, please select Indonesia, rather than Bali to ensure you are covered for all islands you visit.

Am I covered if a monkey pinches my camera?

Yes, assuming you have a comprehensive policy with luggage cover. If a naughty monkey pinches your camera and you don't get it back you may have provision to claim to replace it.

Is buying online through a comparison website the same as buying direct?

Yes, the prices on our comparison are the exact same as you'll get by going direct. We are paid a small referral fee for each policy we pass on that gets purchased.

OTHER HANDY Tips & Guides

adventure activities travel insurance

What activities are covered?

Are you a self-confessed adrenaline junkie? If you’re planning on doing some risky activities on your Bali trip make sure you know if they’re covered, as not all of them are!

pre-existing-medical-conditions

Pre-existing medical conditions

Having pre-existing medical conditions doesn't mean you can't get cover or that it has to be expensive. It simply means that you need to dig a little deeper when doing your research.

pregnancy-travel-insurance

Pregnancy travel insurance guide

Not all insurers will cover you automatically if you’re over 22 weeks gestation or have had pregnancy complications. See which companies offer cover for pregnant women.

 

Contributor Natalie Smith

Natalie Smith

Having travelled to over 40 countries, studied tourism management and worked as a flight attendant for over three years, Natalie knows more than a thing or two about travel! She’s an adventure-lover, whose favourite trips have been trekking Machu Picchu and volunteering in an animal shelter in the Amazon. Qualified in Tier 2 General Insurance General Advice and specialising in travel insurance for the last five years, she in passionate about helping travellers get the most out of their holiday.

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