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Travel Insurance for Bali

Travelling to Bali for a much-needed holiday? Compare your travel insurance options with Savvy. 

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, updated on September 4th, 2023       

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Compare Travel Insurance Quotes in 30 Seconds

Whether you’re planning to lay by the resort pool with a Mai Tai or catch a glimpse of the sacred temples and ancient sights, it’s always important to have peace of mind when you’re travelling to Bali. If you’re searching for the right travel insurance cover for your next international journey, Savvy can point you in the right direction.

By comparing with us, you can find a policy which offers you the right protection, whether your flights are delayed, your luggage goes missing or you fall ill while overseas. We provide instant quotes from our partners, so you can consider their pros and cons and compare the cost of each policy. Before you take off overseas, compare your travel insurance options with Savvy today.

Do I need travel insurance for a holiday to Bali?

You don’t necessarily ‘need’ travel insurance if you’re taking a trip to Bali. However, it’s strongly recommended that you purchase a policy before you jet off to sun yourself on a beach or buy up big at some of the street markets.

Bali is a hotbed of culture and tradition, but it also has its dangers to keep in mind, which is why it’s essential to compare with Savvy and get the best travel insurance for your holiday.

If you’re taking a trip to Indonesia to experience all of what Bali has to offer, some of the incidentals to watch out for include:

  • Terrorist attacks: Bali faces an ongoing terrorism threat. Attacks in Indonesia have killed and wounded Australians, most notably in 2002 and 2005, so it pays to be wary of threats. Follow official guidance and warnings as terrorists may strike tourist spots.
  • Theft of belongings: keep your valuable items locked up inside your hotel at all times as petty crimes can occur frequently on the streets of Bali. It's also a good idea to remain vigilant when soaking up the nightlife in and around Kuta at bars, as there have been reports of drink spiking.
  • Political rallies: demonstrations have been few and far between in recent years. However, because of the increased tension in the Papua and West Papua regions, it pays to monitor the local media closely as well as the government’s travel warnings.
  • Natural disasters: floods, earthquakes, volcanoes, ash clouds and tsunamis occur regularly in Bali, which can cause flights to be delayed domestically and internationally. Follow local recommendations and pay attention to the local media.
  • Bali belly: nobody enjoys feeling unwell on their holiday. If you’re travelling to Bali, remember to wash your hands regularly, only drink bottled water and keep a close eye on how the food you’re eating is prepared if you want to avoid being struck down by Bali belly. If you do contract it, the good news is that it usually only lasts for about a day.

What’s covered by my travel insurance for my holiday to Bali?

Depending on the policy and level of protection, travel insurance can help if you become ill or injured while travelling, lose your things, or suffer airline cancellations or delays. Some travel insurance benefits are:

  1. Overseas medical bills: in Bali, medical bills can reach thousands of dollars, so travel insurance can save you a significant amount of money if you’re hurt or sick and need treatment.
  2. Evacuation or repatriation: if you're critically ill and your insurance company's physicians say you need to return home, they'll pay for your evacuation and repatriation. This includes if you need to leave ship on a trip, which may cost up to $100,000 without insurance.
  3. Cancellation: many travel insurance carriers may refund pre-paid deposits on hotels, flights, or excursions if you cancel your trip due to a covered occurrence. Illness, injury, or a sick or dying family member are among the valid reasons for cancelling a trip.
  4. Lost, stolen or damaged bags: most insurance providers will compensate or replace lost, stolen, or damaged baggage up to an agreed claim amount, which can reach up to $15,000.
  5. Individual items: taking a phone or laptop on your overseas or domestic getaway? Many insurance plans offer sub-limits for lost, damaged, or stolen property. For example, some may cover up to $3,000 for lost or damaged laptops and cameras, and $1,500 for smartphones.
  6. Travel delays: most travel insurance cover hotel, food, and other expenses if your flight is delayed longer than 24 hours. This includes delayed luggage owing to a delayed airliner.
  7. Personal liability: legal issues abroad may be costly. If you're held directly accountable for damage or injury, your insurance company may pay up to $5 million.
  8. Accidental death: if you die overseas in a covered accident, your insurance company can repatriate your remains. They may pay up to $25,000 for funeral or cremation fees.
  9. Optional extras: riding a motorcycle through Kuta or scuba diving off the coast of Ubud? Most travel insurance plans don't cover these activities automatically, but offer supplementary coverage for an added premium.

However, most travel insurance companies won’t cover you for the following incidentals:

  1. Unapproved pre-existing medical conditions
  2. Lost possessions left unattended
  3. Breaking local laws and road rules
  4. Accidents caused by drug or alcohol use
  5. Travelling to a country against Australian government advice
  6. Travelling for medical tourism

What factors should I consider before buying travel insurance for a trip to Bali?

It might be difficult to figure out which policy provides the most beneficial coverage for your next trip to Bali. However, by comparing with Savvy, you may be able to make the experience of searching for the perfect policy a whole lot easier.

Premium cost

It is, of course, in your best interest to keep your insurance premium costs to a minimum. To avoid overpaying for your travel insurance, it is crucial to shop around and get the best possible policy at a price that works for you.

The type of policy you need

Numerous options exist for travel insurance, whether you're looking for single-trip, annual or one-way cover, so it’s important to consider your travel requirements. For example, if you’ll be taking multiple international trips across the year, an annual policy may be more suited to you than single-trip. Take a look at your itinerary, think about how often you’ll be flying and compare it with Savvy so you can get the best insurance for your trip.

What you’re doing in Bali

Carefully consider which insurance company provides the greatest value and level of protection if you’re looking to partake in high-risk pursuits before signing up. If you’re planning to do a spot of rock climbing in the Kintamani volcano area or bungee jumping over Kuta, make sure you get a policy that covers you.

Claim limits

In most cases, the amount you may claim from your overseas travel insurance policy will be capped. Check if these limits are enough for your trip and the items you want to take with you by doing a side-by-side comparison of several brands with Savvy.

Inclusions and exclusions

When searching for the best international policy for your trip to Bali, make sure you opt for a policy that best suits your needs. Before settling on one choice, do your homework and weigh what's included and what isn't. For example, a pre-existing condition you suffer from may not be automatically included under one policy, while it could be covered by a competitor.

Types of travel insurance

Why compare travel insurance with Savvy?

Top tips for saving on your travel insurance to Bali

Combine policies

You can get group policies from providers covering you, your partner, your extended family, and even your grandchildren. Most providers allow you to include up to 25 people under the same policies, which, if the costs are divided among the travellers, can save you money.

Consider increasing your excess

You can pay less for your travel insurance by increasing the excess you're willing to pay if you need to file a claim. A higher excess can help you save money in the long term, but it shouldn't be so high that it causes you financial hardship to pay it.

Only pay for what you need

There's no point paying for cover you're not going to use on your holiday. Before you purchase a policy, read the PDS and make sure you aren’t paying extra for add-ons such as rental car hire or cruise coverage if you don't have any intentions of either hiring a car or sailing across the seas.

Compare your travel insurance options

Using Savvy to help you decide lets you easily see which provider gives you the best coverage for the lowest price. You can compare policies side by side so you can weigh what's included, what's not included, the price of your premium, and any other essential factors.

Frequently asked questions about travel insurance for Bali

Does travel insurance for Bali cover me for COVID-19-related costs?

Yes – most travel insurance policies cover any COVID-19-related expenses, such as medical treatment while you’re in Bali and the need to cancel your holiday if you test positive before you leave. However, cancellation due to COVID-19 isn’t usually available on basic policies. The risk of testing positive for COVID-19 is still quite high if you’re travelling to Bali as of September 2022, so it’s best to wear a mask when possible if you’re worried about contracting the disease.

Can I take out travel insurance if I’m already in Bali?

Yes – you can buy travel insurance if you’re already wheels up and headed to Bali for your holiday. You’ll be afforded the exact coverage you would usually get if you purchased before departure. However, these policies have waiting periods of between 48 and 96 hours. This means that if you suffer a claimable incident inside this period, you won’t be able to make a claim.

When is the best time to buy travel insurance for Bali?

Most people in the know will tell you the best time to purchase your travel insurance is when you know your travel dates. That allows you to be covered for the maximum amount of pre-paid bookings, such as those for hotels or tours if something unforeseen happens and you need to call off your holiday. There are also often sales on around holiday periods, such as Easter, Christmas and the End of the Financial Year, which means you could snap up a policy at a discount.

How do I make a claim on my travel insurance if I’m in Bali?

When you do it online, claiming on your travel insurance is a pretty easy process. When you go to your insurance company's website, enter your policy number and the email address that goes with it. From there, you can do the following:

  • Fill out your claim form with plenty of detail
  • Attach any documents, such as receipts, medical evidence, or proof of purchase
  • Submit your claim

 
The majority of the time, you should hear back from your insurance company within about ten business days. It's best to quickly answer any requests for more information to avoid slowing down the process.

How much will my travel insurance to Bali cost?

The cost of your travel insurance to Bali will be determined by a range of interchangeable variables, including:

  • Your age
  • The length of your trip and destinations
  • Whether you suffer any pre-existing conditions
  • If you need optional extras
  • The insurer you’ve chosen
  • The level of cover you have purchased
  • What parts of Bali (for example, you may not be able to receive cover if you’re travelling to a region that has just suffered a terrorist attack or natural disaster)

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Disclaimer:
We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

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