When planning a trip to Bali, many travelers wonder if they need travel insurance. While it’s not required, travel insurance is highly recommended. It provides essential financial protection against unexpected events that can ruin your trip.
Having travel insurance ensures you can relax and enjoy your Bali adventure without worrying about unexpected expenses. From unforeseen medical costs to trip cancellations, travel insurance provides the peace of mind you need to fully immerse yourself in the beauty of Bali.
Bali is known for its vibrant culture, beautiful landscapes, and unfortunately, "Bali Belly." Travel insurance covers medical costs if you fall ill, ensuring you can get the treatment you need without financial strain. This is particularly important when traveling from Australia, where healthcare expectations are high.
Bali's tropical weather can be unpredictable, with sudden rainstorms and extreme conditions. Travel insurance covers trip delays and cancellations due to weather, protecting your plans and investment. This means you won't lose money if your flights are delayed or if severe weather affects your itinerary. Staying protected against weather disruptions allows you to adapt to changing conditions without stress.
Travel insurance is your safety net for emergencies like sudden illness, injury, or needing to return home unexpectedly. Having comprehensive coverage means you're ready for anything, providing security throughout your trip. Whether it’s a family emergency or an accident, travel insurance ensures you have the support and resources needed to handle emergencies smoothly.
If you’re traveling from Australia with valuable items like electronics and cameras, travel insurance covers lost, stolen, or damaged luggage. This ensures your essentials are safe and you can continue enjoying your vacation stress-free. Being covered for personal belongings allows you to replace necessary items and maintain your travel experience without major disruptions.
Exploring Bali by scooter is a popular and exciting way to see the island, but it comes with its own risks. Travel insurance often includes coverage for scooter incidents, protecting you from large expenses if there's an accident or damage. Knowing you’re covered allows you to enjoy scooter rides without the worry of potential accidents costing a fortune.
While travel insurance isn't mandatory for Bali, it's always better to be prepared. The small cost of travel insurance can save you from big financial losses and provide peace of mind, letting you enjoy your Bali adventure to the fullest. Investing in travel insurance is a smart choice that ensures you’re ready for whatever comes your way.
When traveling to Bali from Australia, it's wise to take insurance quotes from all companies. InsureandGo also offers travel insurance for Bali. Always read the product disclosure statement before buying a policy to understand what is covered.
Date published: 18/12/2024
A 7.2 magnitude earthquake occurred in Port Vila - Vanuatu on 17th December 2024, causing widespread infrastructure damage to roads and buildings. Some essential services have been impacted including flights.
If you have been directly affected by this event and need medical assistance, please call our 24-hour emergency assistance team immediately on +61 2 9333 3999. We further urge you to pay close attention to the local media and emergency services, including the DFAT Smart Traveller website.
Policies Purchased prior to 17th December 2024 2.00pm AEDT, Customers are covered for claims arising from this event, provided they purchased the natural disaster cover add-on.
Policies Purchased After 2:00pm (AEDT) on 17th December 2024: Customers are not covered for claims arising from this event, even if they purchased the natural disaster cover add-on. However, we will assess each situation on a case-by-case basis.
You can make a claim at any time once your policy has commenced and we will assess it as per the PDS’s terms and conditions. Please read carefully the full terms and conditions of any travel insurance policy before purchasing.
If you need to change your travel arrangements, contact your airline, cruise company or travel agent for assistance in the first instance. Please retain all supporting documentation evidencing expenses incurred. Please remember as a term of your policy you must do everything you can to minimise losses.
If you need to submit a claim, please complete a claim on our claims portal and if you need help doing this, contact us.
If you have any other queries, please get in touch.
Insure&Go - Win a 3-piece luggage set + $3000 eGift Card
As the year wraps up, we're thrilled to bring back our Annual Multi-Trip policy!
To celebrate, anyone who purchases an Annual Multi-Trip policy between 20th December 2024 and 6th January 2025 will go into the draw to win a 3-piece luggage set from Strandbags and a $3000 eGift card.
It's the perfect way to pack in more adventures!
So, let's put your 2025 plans together now and get ready to explore beyond with Insure&Go!
Terms and Conditions
This promotion is provided by Insure&Go.
If you participate in the ‘Insure&Go Win a 3-piece luggage set + $3000 eGift Card competition”, these terms and conditions apply. Participation in this Promotion is deemed acceptance of these Terms and Conditions.
Rules of the Promotion:
1. This Promotion commences at 00:01am Australian Eastern Daylight Savings Time (AEDT) on 20/12/2024 and final entries close at 11:59pm AEDT on 06/01/2025 (“Promotional Period”).
2. There will be 1draw conducted for Australia. Entries are only valid if an Insure&Go travel insurance policy ("Eligible Product") was purchased between the opening and closing times of the Promotional period based on AEDT.
3. The draw will take place at Level 1, 19 Harris Street Pyrmont, NSW, 2009 on the 22nd of January 2025. In the event that an invalid or ineligible entrant is drawn, Insure&Go may draw additional reserve entries and record them in order.
4. Entry is only open to residents of Australia aged 18 years or over.
5. To enter, individuals must complete the following steps during the Promotional Period:
a. Purchase any Eligible Product in Australia during the Promotional Period.
b. Eligible product means an Insure&Go Annual Multi-Trip policy.
6. Only one (1) entry is permitted per Eligible Product purchased and a maximum of one (1) prize is available.
7. Employees of Insure&Go (and their immediate families) and entities associated with this Promotion are ineligible to enter.
8. If an entrant instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition, and they will no longer be eligible to win unless they purchase another Eligible Product.
9. The winner(s) of the draw will be notified via direct message within two (2) business days of the draw to claim the prize, and their names will be published on Insure&Go's website or any relevant social media platform.
10. Insure&Go’s decision is final and is at Insure&Go’s discretion.
The Prize:
12. In the event any prize(s) remains unclaimed within three (3) business days of the draw, a re-draw will take place at Level 1, 19 Harris Street Pyrmont, NSW, 2009. In the event that an invalid or ineligible entrant is drawn, Insure&Go may draw additional reserve entries and record them in order. The winner, if any, will be notified by direct message within two (2) business days of the unclaimed prize draw.
13. The total value of each prize is AUD $3000 plus a 3-piece luggage set.
14. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
15. The prize will be in the form of an e-gift card and will be generated online and emailed to the nominated email address of the winner. The luggage set will be shipped to your nominated postal address.
16. The electronic transfer of the prize will happen within 30 days of the draw subject to the correct email address details being supplied.
17. In the event that an entrant wins the Prize, the entrant consents to Insure&Go using their name, photograph and/or video recording, in any media forum for as long as needed without remuneration. This helps us showcase the success of our Promotion and highlight the products and services we offer.
Insure&Go’s Liability:
18. Insure&Go does not accept any liability for any harm, loss, or damage arising from participation in this competition.
19. The governing law for this competition is the laws of New South Wales, Australia.
20. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of Insure&Go, including but not limited to technical difficulties, unauthorised intervention or fraud, Insure&Go reserves the right, in its sole discretion, to the fullest extent permitted by law: a. to disqualify any entrant; or b. subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion or Prize, at its sole discretion.
21. Insure&Go reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who Insure&Go has reason to believe has breached any of these Terms and Conditions, tampered with the entry process, engaged in any unlawful or other improper misconduct which jeopardises or is likely to jeopardise the fair and proper conduct of the Promotion.
22. Insure&Go collects personal information in order to conduct the Promotion and may, for this purpose, disclose such data to relevant third parties involved in the Promotion, including but not limited to agents, contractors, service providers and prize suppliers. Any disclosure of personal information will be in accordance with the Insure&Go Privacy Policy which can be viewed at https://www.insureandgo.com.au/privacy-policy/.
23. In accordance with the Insure&Go Privacy Policy, from time to time, we may use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We always give you the option of electing not to receive these communications in the future. You can unsubscribe by notifying us and we will no longer send these communications to you.
24. All entries are handled by Insure&Go. If needed to run this Promotion, Insure&Go may share your information with partners outside of Australia, following our Privacy Policy. Your privacy matters to us, and we'll only do this when necessary.
25. Insure&Go may use social media platforms such as Facebook and/or Instagram to advertise or promote the Promotion. This Insure&Go Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook or Instagram. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram.
Our policies provide up to $500 for emergency dental treatment as long as it is for the immediate relief of pain only.
Before you travel, visit your doctor for a check-up and discuss your travel plans, especially if you have health issues. Make sure you have enough of your prescribed medicines and carry a copy of your prescriptions. Don't forget to get travel insurance that covers medical emergencies.
Keep all your travel documents, like your passport, visa, and travel insurance, in a safe place. It’s a good idea to have copies of these documents too. Get a travel insurance policy that covers medical expenses, trip cancellations, lost baggage, and other issues.
Your passport is super important when travelling. Keep it in a safe place, like a money belt or a secure bag, and don't leave it unattended.
Bring enough medicine for your entire trip and keep it in your carry-on bag. Also, carry your prescriptions to show at airports or if you need to see a doctor abroad.
Check the weather of your destination before you plan your trip. This will help you pack the right clothes and be prepared for any weather conditions.
Choose hotels, tours, and transportation that are senior-friendly. Make sure they have things like elevators, ramps, and ground-floor rooms if needed. If you use mobility aids, like a wheelchair, make sure they are easy to transport.
Stay safe by checking travel advisories for your destination. Avoid risky areas and keep your belongings secure. Share your travel plans with a family member or friend.
Pack comfortable clothes and items like neck pillows for long journeys. Choose hotels that have amenities you need, and inform them about any special dietary needs.
Senior citizens traveling abroad should get comprehensive travel insurance, keep important documents safe, and plan trips around weather conditions. They should also carry necessary medications with prescriptions and stay informed about safety and security at their destination.
Over the past 10 years, it has been shown that more and more Australians are travelling abroad. Over 9 million Australians travelled out of Australia in the year ending December 2016, a huge boost from 2006, when just 4.9 million Australians left the country. (Source: Australian Bureau of Statistics )
But one of the key questions many Australian travellers want to know is – WHEN should I purchase my travel insurance?
The best time to purchase your travel insurance is as soon as you have booked or finalised your holiday.
You should make sure that your insurance covers you for:
That’s okay. If you’ve yet to figure out some parts of your trip, you can still book your travel insurance based on an estimate of what cover you feel you will need.
Booking your travel insurance as soon as possible means you can benefit from cancellation cover, which is considered one of the most basic elements of any travel insurance package. (Source: http://www.smartraveller.gov.au/insurance/)
If you need to cancel your trip prior to leaving Australia, you can usually make a claim for your expenses if your cancellation is due to:
In most cases, you will need to supply documentation (like a medical certificate or police report) to show that you were not able to travel and had to cancel your trip.
No. This is not allowed and will essentially mean you are not eligible for travel insurance or cancellation cover.
If you put off organising your travel insurance until later (e.g. a week or a day before you travel) and then discover you need to cancel your trip, you won’t be able to take advantage of the cancellation cover – and you’ll lose any non-refundable fares or costs that you have already paid.
Example:
Jane booked herself on a holiday to China, but decided to leave her travel insurance arrangements until a few days before she left. However, Jane’s mother suddenly became very ill and she ended up cancelling the trip.
The airlines and hotels had a non-refundable booking policy and would not refund Jane any of the money she’d already paid.
Since she did not have travel insurance, she wasn’t able to make a cancellation claim, either. Jane found herself without a holiday and out of pocket for $6,200.
If Jane had organised her travel insurance early on, she could have made a claim for the funds she lost and then used the money to re-book her trip later on.
Organise your travel insurance now and start a quote with InsureandGo
This insurance is underwritten by Mitsui Sumitomo Insurance Company Limited (MSI), ABN 49 000 525 637, AFSL 240816. Europ Assistance Australia Pty Ltd, ACN 140 219 594, AFSL 552106, trading as Insure&Go and other brands, holds a binding authority from the insurer, MSI to issue contracts of insurance and to deal with or settle claims on MSI’s behalf and as MSI’s agent.
For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Product Disclosure Statement and Policy Wording and Financial Services Guide (PDS) available here and consider the PDS in light of your personal circumstances, prior to making any decision to acquire the product.
2024: Canstar award for ‘Outstanding Value – Seniors Travel Insurance’ and ‘Outstanding Value – International Travel Insurance’, 2024: Finder award for ‘Travel Insurance – Domestic’ and ‘Trusted Brand’, 2024: WeMoney Award for ‘Best for Seniors’ award. More information about our awards can be found here
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.
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 to 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.
When planning an overseas adventure on a motorcycle or scooter, it's crucial to secure travel insurance that covers the unique risks associated with riding. Motorcycle and scooter travel insurance typically provides comprehensive coverage for medical expenses, emergency evacuation, trip cancellation, personal liability, loss or theft of luggage and personal belongings, rental vehicle excesses, and coverage for pre-existing medical conditions. This coverage ensures you are protected financially in case of accidents, emergencies, or unforeseen events during your travels.
Travel insurance is essential for motorcycle and scooter riders because it offers peace of mind and financial protection. Riding in a foreign country involves unique risks such as unfamiliar traffic laws, road conditions, and potential accidents. Having the right insurance policy ensures that you receive necessary medical treatment without worrying about costs, and it covers trip cancellations, personal liability, and the loss of belongings. Whether you're exploring Southeast Asia, Europe, Australia, or South America, motorcycle and scooter travel insurance provides the security you need to enjoy your adventure fully.
When obtaining motorcycle and scooter travel insurance, it's important to meet certain eligibility requirements. Most insurance policies require you to have a valid motorcycle license recognized in the country you are visiting. Additionally, you must adhere to local traffic laws and regulations. Some policies may have age restrictions, and coverage may vary based on the type of motorcycle or scooter you plan to ride. Always review the policy's terms and conditions to ensure you meet the eligibility criteria and understand the coverage details.
Southeast Asia (e.g., Thailand, Vietnam, Indonesia - Bali): Popular for motorcycle and scooter travel, Southeast Asian countries have different road conditions and traffic laws that can increase the risk of accidents. Having comprehensive travel insurance is vital.
Europe (e.g., Italy, France, Spain): Countries with scenic routes and long-distance motorcycle tours. Medical costs in Europe can be high, making travel insurance essential.
Australia and New Zealand: Ideal for adventure riders, these countries offer vast landscapes and remote areas where emergency medical evacuation might be necessary.
South America (e.g., Argentina, Brazil, Chile): With diverse terrains and challenging roads, South America is a popular destination for motorcycle enthusiasts. Travel insurance ensures you are protected in case of an accident.
Motorcycle and scooter travel insurance is essential for ensuring financial protection and peace of mind while exploring foreign destinations. It covers medical expenses, trip cancellations, personal liability, and more. Always refer to the Product Disclosure Statement (PDS) for full details on coverage and exclusions.
