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Bali Travel Insurance for All Adventures

Whether you're chasing the party scene or exploring Bali’s spiritual heart, the ‘Island of the Gods’ has something for everyone. But before you set off, be sure to arrange your Bali travel insurance so you're covered if the unexpected happens. 

With coverage for overseas medical expenses, trip cancellation, lost luggage and a range of popular activities, InsureandGo Australia’s Bali travel insurance makes it easy to find the right level of cover for your trip.

Recognised1 as Top Rated Travel Insurance by ProductReview.com.au in both 2025 and 2026 and named Best for Value - International Travel Insurance at the WeMoney Awards 2025 2025 and 2026, you can head to Bali knowing you're in safe hands.

Note: This page contains general advice only and does not take into account your objectives, financial situation or needs.

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Private pool villas with thatched roofs at a tropical resort in Bali, Indonesia, surrounded by greenery

Why Travel With Us to Bali?

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24/7 emergency assistance
InsureandGo Australia travel icon – star
Multiple policy options
InsureandGo Australia travel icon – star
Simple online claims
InsureandGo Australia travel icon – star
Great value for families and couples
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Flexible optional upgrades
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No upfront medical certificates required upon application

Why choose InsureandGo Australia for your next trip to Bali?

Bali is a wonderful destination, but it comes with risks that every traveller should be aware of. Here's why travel insurance for Bali is an essential part of your trip planning:

Medical emergencies can be costly

Medical facilities and standards may differ from those available in Australia, particularly outside major tourist areas. If you suffer a serious illness or injury, you may need to be evacuated home at a significant cost. 

Moped and motorbike accidents are common

Bali's roads can be chaotic, and accidents can be one of the most common causes of injury among tourists.

Trip cancellations and disruptions happen

Whether it's an unexpected illness, a family emergency or a volcanic eruption disrupting flights, trip cancellations and travel delays can leave you out of pocket.

Protect your belongings

Petty theft is not uncommon in busy tourist areas. Potential cover for lost, stolen or damaged belongings means you're not left scrambling to replace essentials while you're away.

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What our customers have to say about our travel insurance for Bali

★★★★★

"Our most recent trip to Bali saw my wife, Julie, fall and break her leg; followed by surgery, hospitalisation and additional hotel accommodation in Indonesia. Luckily we had insured with InsureandGo and every expense was covered. We recommend them to all travellers of any age."

Ian
Verified review on Trustpilot

This customer's experience is individual and not indicative of all claims outcomes. Cover is subject to policy terms, conditions, limits, sub-limits and exclusions.

What is included in Bali travel insurance?

From covering the cost of unexpected medical expenses to reimbursing certain non-refundable costs if a natural disaster like a volcanic eruption disrupts your flights, having the right level of cover in place may provide an added layer of reassurance. 

With InsureandGo Australia, you can choose from three levels of cover to suit your Bali holiday plans, and single trip, annual multi-trip, and cruise policies.

Levels of cover

  Bare Essentials§ Silver§ Gold§
Overseas medical expenses Unlimited Unlimited Unlimited
Hospital cash allowance  ❌ Up to $75 per completed 24 hours up to $2,500 Up to $75 per completed 24 hours up to $5,000
Additional emergency expenses Up to $5,000 Up to $15,000 Up to $50,000
Cancellation cover Up to $10,000 Up to $15,000 Unlimited
Travel delay expenses  ❌ Up to $50 per completed 12 hours up to $1,000 Up to $150 per completed 12 hours up to $3,000 (AMT $2,000)
Delayed baggage  ❌ Up to $500 Up to $750
Lost, stolen or damaged baggage and belongings Up to $5,000 Up to $7,500 Up to $15,000 (AMT $8,000)
Passport and travel documents  ❌ Up to $2,500 Up to $5,000
Rental car excess waiver  ❌ Up to $4,000 Up to $8,000 (AMT $4,000)

§ Subject to sub-limits, terms, conditions, and exclusions that may apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS).

Optional extras for your Bali trip

While our standard policies include a wide range of cover, you can also tailor your policy with optional upgrades to suit your Bali adventure.

Activities Plus

If you're planning to take part in higher-risk activities, the Activities Plus upgrade extends your cover to include things like endurance cycling, hydrofoiling, kiteboarding, scuba diving (between 30m-50m) and tandem skydiving.
 
See our full activities list for details on what's included and if any special conditions apply.

Natural Disaster Cover

Certain disruptions caused by natural disasters may not be covered unless you purchase the Natural Disaster upgrade.
 
The Natural Disaster upgrade extends your cover to include cancellation, additional emergency expenses, and travel delay (Silver and Gold only) arising from events such as volcanic eruptions, earthquakes, tsunamis, floods and cyclones. 

Additional Specified Items

If you're travelling with high-value items such as cameras, jewellery or electronics, you may be able to specify these on eligible plans for additional cover beyond the standard baggage limits.

Mopeds and Motorbikes

Riding a moped or motorbike is one of the most popular ways to explore Bali. Cover for mopeds under 500cc is included in your policy at no additional cost provided you meet the following conditions:

  • wear a helmet at all times, whether you are the rider or a passenger
  • hold the required licence for the country you are riding in and hold the equivalent motorcycle licence in Australia
  • comply with all local road rules.

For motorcycles with an engine capacity over 500cc, the Activities Plus upgrade is required. Please note that Section F (Accidental death and permanent disability) and Section G (Personal liability) do not apply to motorcycling with an engine capacity above 500cc.

§ Subject to sub-limits, terms, conditions, and exclusions that may apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS).

What does Bali travel insurance exclude?

Some activities fall outside the scope of coverage, even if you purchase an optional extra:

Not covered

  • Undeclared or unapproved pre-existing medical conditions
  • Travelling against medical advice
  • Moped and motorbike incidents if you ride without a helmet, without the appropriate licence, or on a motorcycle over 500cc without the Activities Plus upgrade. You must also hold the equivalent motorcycle licence in Australia
  • Natural disasters without the upgrade
  • Alcohol and drug-related incidents arising from your use of drugs other than as directed by a treating medical professional
  • Unattended belongings left in a public place, including on the beach or beside a pool
  • Excluded activities such as motocross, cliff jumping, paragliding alone and skydiving alone (always check the full activities list in the PDS before you travel)
  • Travel to destinations subject to a 'Do Not Travel' advisory from the Australian Government

How much does travel insurance for Bali cost?

A number of factors affect your premium, even if you purchase an optional extra:

Trip length

Longer trips can cost more than shorter ones, as there's more time for something to go wrong.

Age

Premiums can increase with age, reflecting the higher likelihood of a medical event occurring.

Level of cover

Choosing between Bare Essentials, Silver and Gold affects your premium, with higher levels offering greater protection.

Optional upgrades

Adding extras such as Natural Disaster cover or Activities Plus increases your premium but extends your cover.

Number of travellers

Covering more adults on a single policy affects the overall cost.

Pre-existing conditions

If additional cover is approved for a declared condition, an additional premium may apply.

When comparing policies, it's important to consider all benefits and not just the price tag. A policy that helps reduce eligible out-of-pocket costs, whether that's an unexpected medical bill, a cancelled flight or lost luggage, can be worth far more than a cheaper policy that leaves you underinsured when it matters most.

You can find out the cost of your policy by obtaining a quote.

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How to choose travel insurance for Bali

With plenty of options on the market, here's what to look for when comparing Bali travel insurance policies:

Medical cover limit

Given Bali's limited healthcare facilities and the potential cost of medical evacuation to Australia, our international policies can offer cover for overseas medical expenses up to an unlimited amount.

Bali-specific risks

Check whether the policy covers activities you're planning, such as motorbike riding and water sports, and whether natural disaster cover is available as an add-on.

Exclusions

Always read the PDS carefully so you understand what isn't covered, particularly around activities, pre-existing medical conditions and unattended belongings.

Claims support

Look for a provider that offers a straightforward claims process and emergency assistance available around the clock.

Why choose InsureandGo Australia for your next trip to Bali?

From everyday sports and activities to thrilling adventures, InsureandGo Australia makes it easy to tailor your cover to the activities you’re planning for your next trip. For the full list of activities covered under all of our policies, refer to the PDS.

24/7 emergency assistance

As soon as you depart, you're backed by a 24/7 global assistance team. Feel secure knowing that if something goes wrong, help is just a phone call away: +612 9333 3999.

Multiple policy options

Choose from single trip or annual multi-trip plans, with three levels of cover – Bare Essentials, Silver and Gold – so you can find the right coverage for your holiday. 

Simple online claims

If something doesn't go to plan, submitting a claim is straightforward. You can lodge your claim online, email us at claims@insureandgo.com.au, or call +61 2 7201 9532 if you'd prefer to talk it through.

Great value for families and couples

Dependent children under 18 travel free1 when accompanied by a parent or guardian, and couples save 10%2 on their policy. 

Flexible optional upgrades

As soon as you depart, you're backed by a 24/7 global assistance team. Feel secure knowing that if something goes wrong, help is just a phone call away: +612 9333 3999.

Tips for travelling safely in Bali

A little preparation goes a long way when travelling to Bali. Here are five practical tips to help keep you safe and make the most of your trip.

1

Follow the road rules

It can be tempting to relax a little on holidays, but if you plan to ride a moped or motorbike, always wear a helmet, carry the appropriate licence and stick to roads you're comfortable driving on.

If you will be riding a motorcycle with an engine size over 500CC, the activities plus option will be required. Bali's traffic can be unpredictable, particularly in busy areas like Kuta and Seminyak.
2

Stay on top of your health

Ensure your vaccinations are up to date before you travel and take precautions against mosquito-borne illnesses such as dengue fever, which is a year-round risk in Bali. Drink bottled water, avoid raw or undercooked food, and seek medical attention promptly if you feel unwell.

3

Protect your valuables

Petty theft can occur in busy tourist areas. Keep your passport, cash and electronics secure at all times, and never leave belongings unattended.

Remember, unattended items are not covered under your travel insurance policy.
4

Check your activity cover before you go

Whether you're surfing, diving or joining a white water rafting tour, check that your policy covers the activities you're planning before you participate.

Some activities require the Activities Plus upgrade or have special conditions, please refer to the PDS to see if your activity is covered, and whether any additional conditions apply.
5

Save our emergency assistance number

Before you depart, save our 24/7 emergency assistance number in your phone: +61 2 9333 3999. If something goes wrong while you're in Bali, help is available around the clock.

Bali Travel Insurance FAQs

Can I get cheap travel insurance for Bali?

While it's tempting to opt for the cheapest policy available, the most important thing is finding cover that's right for your trip. A policy that may help reduce eligible out-of-pocket costs, whether that's an unexpected medical bill, a cancelled flight or lost luggage, can be worth far more than a cheaper policy that leaves you underinsured. 

We offer three levels of cover - Bare Essentials, Silver and Gold - so you can find a policy that suits both your needs and your budget.

I'm only passing through Bali in transit. Do I still need travel insurance?

Even if you're only transiting through Bali, unexpected events can still occur, such as flight delays, lost luggage or a sudden medical emergency. 

If you have a multiple destination itinerary, you should select the region where you will spend the majority of your trip overseas, except where you will spend more than 48 hours of your trip in the continents of North America or South America. If you will spend more than 48 hours of your trip in the continents of North America or South America, then you should select the Worldwide Including region when purchasing.

If you're unsure whether your planned cover is appropriate for your itinerary, contact us on 1300 401 177.

When should I buy travel insurance for my Bali trip?

If you purchase your policy before your trip starts, your cancellation cover begins from the moment you pay your premium and receive your Insurance Certificate. This means that you may be covered if something unexpected happens before you even leave Australia. 

If you purchase after your trip has commenced, a 72-hour waiting period will apply to most sections of the policy, with the exception of claims arising directly from an injury that occurs after the policy issue date.

Does travel insurance cover my hospital bills if I get sick or injured in Bali?

All InsureandGo Australia international policies include unlimited overseas medical and hospital expenses, so if you become ill or are injured during your trip, your emergency medical treatment, hospital stays, ambulance costs and medication may be covered. 

If you are admitted to hospital for more than 24 hours, someone must contact our emergency assistance team on +61 2 9333 3999 as soon as reasonably practical. 

Please note that benefits are subject to policy terms, limits, sub-limits, exclusions and excess. Read the PDS before purchasing your cover. 

Can I get cover for pre-existing medical conditions on my Bali travel insurance?

InsureandGo Australia considers all pre-existing medical conditions for possible cover, subject to our quick online medical assessment. Many conditions may be approved at no extra cost. In order for a pre-existing medical condition to be covered, the condition must be declared during a medical screening and any additional premium to cover that condition paid.

Does travel insurance for Bali cover natural disasters?

Natural disasters are not covered as standard under our travel insurance policies. Our policies exclude cover for Natural Disasters unless you have purchased the Natural Disaster upgrade. When purchasing your policy you have the option of adding Natural Disaster upgrade, which extends your cover to include trip cancellation, additional emergency expenses and travel delay (Silver and Gold only) arising from events such as volcanic eruptions, earthquakes, tsunamis, floods and cyclones. 

Read the PDS before making any decision.

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§ Subject to sub-limits, terms, conditions, and exclusions that may apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS).

1 Children (including fostered or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents. No cover is available for children who are born overseas during your trip.

2 When two or more adults are travelling together as part of either a couple or a family group, then each adult will benefit from a 10% discount on the standard individual premium for the selected level of cover for that particular trip before calculating the overall premium for the group. The 10% discount does not apply to individuals travelling with their non-adult children, who will, however, be covered at no additional cost.