Bali Travel Insurance

Bali’s position near the equator makes it a wonderful tropical holiday destination year round. Beautiful beaches, stunning temples, endless natural beauty, rich culture, and extreme value for your money all come together to make Bali holidays exciting and memorable.

It is essential you take out travel insurance to Bali, as the unexpected can occur with any travel. Bali travel insurance is extremely affordable with policies starting from just $27*.

Why Travel With Us to Bali?

  • Unlimited dependent children up to the age of 18 insured for free
  • Pregnancy cover for up to 32 weeks
  • Cover up to 100 years young
  • Unlimited overseas medical expenses
  • Baggage covered up to $8,000
  • No upfront medical certificates required upon application

What Your InsureandGo Policy Will Cover You For

InsureandGo, Australia's online travel insurance specialist, offers affordable comprehensive policies that are backed by the world’s largest 24/7 assistance network. There are three levels of coverage to choose from; bare essentials, silver and gold to suit your unique travel needs and budget. Depending on which level of coverage you choose, your travel insurance policy for your next trip to Bali may include the following:

  • Unlimited Overseas Medical Expenses
  • Trip Cancellation for Instances such as Unforeseeable Death, Injury, or Illness
  • Emergency Medical Evacuation
  • Trip Interruption
  • Lost Bags or Personal Belongings
  • Pregnancy Cover For up to 32 Weeks
  • Unlimited Dependent Children up to the Age of 18 Insured for Free
  • Coverage for 90 Different Sports and Leisure Activities Including Bungee Jumping and Snorkelling

Please read our full insurance policy terms, provisos, exclusions, and conditions for full details regarding this coverage.

Natural Disaster Cover

When travelling to a destination like Bali, it is important to include a policy upgrade (available on summary page of quote journey) which will cover you from unexpected natural disasters. Natural disasters that can occur in the Bali region are wide ranging and include floods, cyclones, landslides, earthquakes, and volcanic eruptions.

To make a claim due to a natural disaster, you must have purchased this policy upgrade option and the option must be shown on your policy. Please note that there is no coverage for costs incurred as a result of a natural disaster event that is known prior to purchasing or upgrading the policy. If there is a known natural disaster event, it will be mentioned prior to payment on our website and over the phone by our agents.

Note that medical cover due to any natural disaster is automatically included in all international policies without purchasing Natural Disasters add-on.

Choose our Silver or Gold level of cover and you will be protected for cancelling your trip before departure or cutting your trip short. All levels of cover will include coverage for additional emergency expenses. These are expenses you incur after departure that are over and above what you had originally budgeted to pay, if your trip is disrupted, or you are required to return to your home in Australia because of a natural disaster. These expenses can include things such as accommodation, meals, or travelling costs.

What You May Not be Covered For

  • Government Warnings: Check to make sure that any current Australian Government foreign travel warnings won’t affect your travel insurance coverage.
  • Consumption of Alcohol: Claims that occur while you or a covered party is under the influence of alcohol or drugs will be denied.
  • Motorcycles & Scooters: Claims will be denied if you do not have a valid motorcycle license or if you forego wearing a crash helmet. Note that there is no cover for personal accident, personal liability, or damage to a rental motorbike for this activity.
  • Unattended Belongings: You will not be covered for any personal luggage or belongings if you leave them unattended in a public place such as a beach.
  • High Risk Activities: InsureandGo policies automatically cover 90 different sports and activities, but make sure to check that your chosen activity is covered.
  • Reporting Incidents: Be sure to report any instance such as theft or loss of belongings within 24 hours to the appropriate authority or risk your claim being denied.
  • Natural Disasters: To make a claim due to a natural disaster, you must have purchased InsureandGo’s policy upgrade option and the option must be shown on your policy. Note that there is no coverage for costs incurred relating to a natural disaster if an event is already known prior to purchasing a policy.
  • Pre-Existing Medical Conditions: InsureandGo considers all pre-existing medical conditions so long as they are reported at time of purchase. Failure to disclose any pre-existing medical conditions may void any claim relating to that condition.

Most Common Questions

1. Am I covered for a mt agung volcano eruption in Bali?

You get unlimited medical cover automatically, however you are not covered for cancellations/cutting your trip short/emergency expenses or missed cruise departure unless you purchase our add-on coverage natural disasters.

You are only covered for disasters unforeseen to the public at the time of purchase. If there is an known natural disasters, you will see this displayed within the optional add-on in the last step of the journey. However, you are covered for medical expenses, regardless, due to a natural disaster, as long as medically necessary and emergency.

3. How do you cover emergency evacuation?

Medical evacuation is covered as long as medically necessary and emergency. The decision is taken by the claims/assistance team, based on the medical situation and other facts/circumstances.

5. Do you cover volcanic ash clouds?

In order to be covered for a volcanic ash cloud, you must pay the additional premium in order to be covered for these events. Please note that this additional fee is applicable under ALL levels of cover including but not limited to the Gold level of cover.

2. Does your insurance cover damage to a rental cars and rental motorbikes?

Our Silver and Gold policies cover your rental car excess up to $4000, but not motorbikes. For a rental car to be covered, you need to make sure that it is insured (confirmed by the rental company), as we do not pay for full damages to a rental car, only your excess.

4. Do you cover pre-existing medical conditions?

A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication in the last five years. Our policies cover many pre-existing conditions; to see if we cover yours, please complete our medical assessment online or over the phone. Please note, failing to declare a pre-existing condition can void your policy.

6. Am I covered for foreseen events (e.g. planned strike action or forecasted weather)?

InsureandGo travel insurance is designed to protect you against the unexpected and unforeseen, therefore, if you know about an event that is already apparent or ongoing and this results in a claim, InsureandGo will not provide cover.

Quick Guide for Bali Holidays :

Visas for Bali

The Indonesian Government allows Australians travel to Indonesia visa–free for up to 30 days. If you intend to stay more than 30 days, then you will need to apply for a visa upon arrival for US$35 or from an Embassy or Consulate of Indonesia.

Best Time to Visit Bali

Although the weather is warm throughout the year, most travellers chose to head to Bali during the dry season which runs from May to October. Avoid the peak tourist season which runs during the months of July and August and opt for a visit in May, June, or September. You’ll also want to avoid travel during national and school holidays.

Health Concerns

Travel to Bali does require taking some precautionary measures when it comes to your health. It is important to bring insect repellent as several mosquito-borne illnesses are prevalent in Indonesia including malaria and sporadic Zika virus cases. Dengue fever also occurs throughout Indonesia and there is no vaccination or treatment available.

Avoid “Bali belly” by not drinking tap water or taking beverages with ice, as water quality is not to the standards of Australia. Other notable risks to your health while travelling in Bali include getting tattoos, close contact with animals (rabies risk), illicit drug use, and HIV/AIDS through risky behaviour.

Crime & Safety

All of Indonesia, including Bali, carries a high threat of terrorist attack. Bali also has had a high occurrence of alcoholic drink spiking with harmful substances such as methanol. It is best to avoid alcohol altogether when holidaying in Bali.

Opportunistic theft, ATM fraud, scams, and sexual assault also occur in and around Bali, so it essential you stay alert and minimize the risks for these crimes to occur.

InsureandGo is rated 4.5 out of 5 stars by 10038  customers.
* Price derived from a single trip of 21 days, Individual, age 30, to New Zealand, Pacific& Bali region. Cover for pre-existing medical may require an extra premium.