Bali Travel Insurance

For customers looking to get a quote or buy a policy for Fast Cover policies underwritten by certain underwriters at Lloyd’s, Bali is in the Asia region. 

Bali is an island of Indonesia, so if you are taking a holiday in Bali, select 'Indonesia (Bali)' or 'Bali' when buying your Bali travel insurance. A travel insurance policy for Bali will provide you with cover for travel throughout Indonesia.

Depending on the policy chosen, Travel Insurance for Bali can help to better prepare you to deal with unexpected and unforeseen circumstances such as injury or sickness as well as trip cancellation and disruption expenses. One way to prepare for this is by making international travel insurance for Bali a priority.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

If you are only in transit through Bali, you automatically have cover for up to 48 hours. Cover is only available for the countries or region you have selected at the time of purchase and listed on your Certificate of insurance. If you change your travel plans and decide to legally enter Bali, Indonesia, you may not be covered under your policy if Bali was not selected at the time of purchase and listed on your Certificate of insurance. You can apply to Fast Cover to add Bali, Indonesia to your policy to include cover and pay an additional premium.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

The cost of travel insurance for Bali will vary depending on a person-to-person basis. This is because of various factors, including but not limited to the type of policy you choose for your trip to Bali, where you are travelling, the length of your trip, the time between purchase and departure, personal characteristics such as existing medical conditions and age, as well as any add-ons that you choose. 

To determine the cost of travel insurance for your upcoming trip to Bali, request a quote from Fast Cover today. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

When you’re planning your holiday and looking at getting travel insurance for your trip to Bali, the cheapest travel insurance for Bali may not always be the best option, as it may not provide adequate cover for the type of holiday that you're taking. For example, cover for adventure activities, motorcycle riding and cruises are likely not automatically covered and may require an additional premium.

When looking for travel insurance for Bali you should look for a policy that can provide cover for the type of holiday you are taking and activities you will be doing in Bali. So even if you’re looking for cheap travel insurance to Bali, make sure you compare Australian Bali travel insurance policies not just on whether the policy is the cheapest, but also on whether it provides cover for your type of Bali holiday.

Before you decide to purchase a cheap Bali travel insurance policy, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. 

Any advice is general advice only and does not take into account your individual objectives, financial situation or needs.

The best travel insurance policy for your trip to Bali is a policy that provides cover for the type of trip that you’re taking. When looking for the best travel insurance for Bali, it’s important to choose a travel insurance policy that aligns with your specific travel needs. This might include the nature of your trip to Bali, who you are travelling with, the types of activities you plan to do and other considerations that apply to you and your trip. 

Here are some examples of things you may wish to consider when reviewing policy options:

• Have you booked your Bali tour, accommodation or flights? You may wish to consider whether the policy includes cancellation cover in case you can’t travel to Bali due to an unforeseen circumstance such as an unexpected illness or injury.  
• Have you just bought a new phone and you’re worried that it will be stolen in Bali? You may wish to consider whether the policy includes cover for luggage and personal effects, including any applicable limits, sub-limits or conditions.  
• Will you be riding or be a passenger on a motorcycle, moped or scooter in Bali? You may wish to check whether the policy provides cover for injuries resulting from those activities, and what conditions (such as licencing requirements or helmet use) may apply. 
• Will you be doing adventurous activities like riding a quad bike or zip lining in Bali? You might wish to consider whether your policy provides cover for these activities or whether you need to add cover and pay an additional premium to include cover for those activities.  

These are just some of the considerations that you might wish to consider when looking for the best travel insurance policy for Bali, so you know what cover is available to you before and during your trip to Bali.  

Before you decide on the best travel insurance for Bali, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for.    

Any advice is general advice only and does not take into account your individual objectives, financial situation or needs.

Consider purchasing travel insurance for Bali when you book or pay for your flights, accommodation and tours. Fast Cover’s cancellation cover allows you to make a claim for trip cancellation expenses for non-refundable bookings you’ve already paid, like flights, accommodation, cruises and tours, if you’re not able to travel to Bali due to an unexpected emergency that is covered under your policy.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Regardless of the travel insurance policy that you choose for your overseas trip to Bali, one important benefit we include with all our international policies is the Overseas Emergency Medical and Hospital Expenses benefit. Since Australia doesn’t have a Reciprocal Health Care Agreement with Indonesia, you’ll likely be responsible for all your medical expenses if you unexpectedly fall sick or are injured while travelling in Bali. Having cover for these unexpected medical situations during your travels can potentially save you thousands of dollars. 

This benefit provides some protection against the financial burden of unexpected medical emergencies that can happen on your trip to Bali, from food poisoning, treatment for a broken bone or emergency surgery for appendicitis. You should be aware that cover isn’t available for all medical expenses, and some of these include (but are not limited to):   

• medical emergencies related to your existing medical conditions which aren’t listed as covered on your certificate of insurance, 
• planned medical procedures or other non-emergency medical treatments,  
• routine medical or dental check-ups,   
• injuries sustained from your participation in sport or leisure activities covered under the Adventure Pack or snow sports unless you’ve purchased additional cover for them, and 
• your medical expenses once you’ve returned to Australia,  

so it’s important to review your policy to understand what is and isn't covered while you're in Bali and the terms and conditions that apply. 

You can apply for cover for your existing medical conditions and any changes in health and/or new medical conditions you may develop between the time you purchase your policy and the date you depart on your trip to Bali through a medical screening. Find out more about what we consider to be a medical condition and how you can apply for cover in our Travel Insurance for Existing Medical Conditions page. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance. 

Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. Consider the PDS as eligibility criteria, policy terms, conditions, exclusions and limits apply.  

Our Bali travel insurance can provide cover for many existing medical conditions, just in case the unexpected happens on your trip.

If you have any existing medical conditions, you may be able to apply to include cover for them on your Bali travel insurance policy. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be covered.

To find out more about our medical screening process, and how the policy will apply in relation to an existing medical condition, please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.  

A Bali travel insurance policy with Fast Cover can be your resource to better deal with many of the unexpected situations you might experience while travelling in Bali. 

If you need it, the Emergency Assistance team may be able to provide assistance and direction in serious situations, and depending on the Bali holidays insurance policy that you choose, they may be able to lessen the financial burden as per the terms and conditions of your policy, if you experience out-of-pocket expenses as a result of an emergency. 

The Emergency Assistance team can: 

• Organise emergency repatriation home 
• Act as a guarantor for hospital bills 
• Manage your medical treatment in Bali 
• Provide assistance and direction during an emergency at any time 
• Organise your evacuation to a more appropriate medical facility or accommodation in an emergency 
• Communicate with your family or employer 
• Liaise with the nearest embassy or consulate 
• Access interpreters in non-English speaking hospitals 

With Fast Cover travel insurance for Bali, you can travel with the peace of mind that the Emergency Assistance team is available 24/7 should you need them. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Bali river cruises are automatically covered under your Bali travel insurance policy so you won’t need to choose Cruise cover, for this type of cruise.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Under the Fast Cover policy, you are NOT automatically covered. To have cover to ride a motorcycle, moped or scooter you will need to purchase the Motorcycle Pack available to travellers aged 74 and under at the time of policy issue. 

With the Motorcycle Pack, cover is available to ride a motorcycle, moped or scooter with an engine size no greater than 125cc provided you hold both a current Australian Drivers Licence (Provisional or higher) (regardless of the local laws) and a licence valid for the country that you are riding in.

If you will be riding a motorcycle, moped or scooter with an engine size greater than 125cc, you must hold both a current Australian Motorcycle Licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter (regardless of the local laws) and a licence valid for the country that you are riding in.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.  

Cover is not automatically available for you being a passenger on a motorcycle, moped or scooter unless you take out the Motorcycle Pack and pay the additional premium. If you are the passenger on a motorcycle, moped or scooter, the person in control must hold a current licence (Provisional or higher) valid for the same class of motorcycle, moped or scooter that is valid for the country that you are in. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Cover is available under specific benefits of our policies for motorcycle riding, but you will need to take out the Motorcycle Pack and pay the additional premium, available to travellers aged 74 and under at the time of policy issue. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance. 

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS). 

Cover is available under our policies to ride a moped, scooter or motorcycle with an engine capacity under 125cc and greater than 125cc but you will need to purchase the Motorcycle Pack and pay the additional premium. Specific conditions such as license requirements apply depending on the engine capacity.  

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Bali’s tropical climate with a distinct wet season typically from November to March means heavy rainfall during this period can lead to flash flooding and landslides. Bali is also affected by volcanic activity from Mount Agung which can impact your travel plans. So, if you’re planning a trip to Bali, consider taking out a travel insurance policy as soon as you pay for your flights or accommodation in case you are forced to cancel your trip due to a natural disaster. Keep an eye on our Travel Alerts for Bali, travel advisories from Smartraveller and travel warnings from the Australia government.  

If you take out a travel insurance policy after the event has occurred, it is unlikely that there will be cover under the policy as the natural disaster will be a known event. The event must have begun after we issued the Certificate of insurance.  

Our trip cancellation expenses benefit is available to provide cover for cancellation, delays or rescheduling by a bus line, airline, shipping line or rail authority due to natural disaster.  

Our trip disruption expenses benefit is available to provide cover for when your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of a natural disaster. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.  

Both Mt Agung and Mt Batur are active volcanoes in Bali. The volcanic activity in Indonesia is continually monitored, however it is not possible to stop a volcano from erupting!

Find out more information about Travel Insurance and Natural Disasters.

In general, travel insurance policies would not likely cover a natural disaster that has already happened, or for which a travel alert is active. There would still likely be cover (provided you have purchased a policy with the required cover) for natural disasters that may occur after your policy is purchased. 

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.   

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

1. Seek assistance immediately: go to the hospital, doctor or police.
2. If you have a travel insurance policy for Bali with Fast Cover, contact our Emergency Assistance team as soon as possible.
3. If required, contact the Australian Embassy.

It would be difficult to say that any place in the world is 100% safe. Before travelling to Bali, check the Australian government Smartraveller website for travel advisories for Indonesia, and any Travel Alerts issued by Fast Cover. Researching Bali will help you determine if it's the type of area you'd like to travel to and can help you take necessary safety precautions.