Bali is one of the most popular travel destinations for Australians. Travellers take the family to see the macaques (monkeys) at the Ubud Monkey Temple, chase great surf conditions, take advantage of a Scoopon or Groupon Bali deal, enjoy a romantic honeymoon (or babymoon) in a private Bali villa, or simply sip cocktails by the pool at a luxury beach resort.
Whatever reason you’re going to Bali for, taking out travel insurance for Bali can provide you with cover if you have to unexpectedly cancel your Bali holiday, reimburse you for your medical and hospital expenses and cover your lost or stolen personal belongings and travel documents.
5 Things you need to know about our travel insurance for Bali
- You can add the Motorcycle pack to your policy for an additional premium and you’ll have cover in case you’re injured while riding the scooter, moped or motorcycle.
- You can be covered in case of theft, loss or damage to your luggage, your passport and credit or debit card.
- Cancellation cover can be included with your Bali travel insurance policy and can protect the deposits that you’ve already paid for your Bali holiday if something unexpected happens and you can’t travel.
- Your pre-existing medical condition may be covered under your travel insurance for Bali.
- If you’re planning on doing adventurous activities which we’re not able to automatically cover you for, you can add the Adventure pack to your policy for an additional premium so you’re covered in case of an injury.
Do I need travel insurance for Bali?
Your Bali trip insurance can cover you for the unexpected costs of an overseas emergency and may include:
- The cost of your hospital stay due to an injury. For example, after being injured in a scooter, moped or motorcycle accident.
- Having to replace belongings after they were stolen from your hotel.
- Needing to stay longer in Bali than expected due to an unexpected sickness, severe weather or natural disaster.
- Having to organise a replacement passport or credit / debit card because they were stolen from you.
All of our Bali insurance policies include unlimited access to an experienced Emergency Assistance team who are available 24 hours a day, 7 days a week and 365 days a year. We hope it doesn’t happen, but if you have a medical emergency or need assistance while on your Bali holiday, help is just a phone call away.
Is travel insurance worth getting?
While we hope that your Bali holiday goes smoothly, sometimes the unexpected can happen and that’s where travel insurance for Bali can help.
Fast Cover’s travel insurance for Bali can provide you with cover for:
| Overseas emergency medical and hospital expenses | This benefit provides cover for unexpected medical expenses you incur in Bali including doctors consultations, prescription medication, hospital stays and medical treatment. |
| Medical Evacuation and repatriation expenses | In case of serious sickness or injury, you may be covered for the flight home to Australia or to get to the nearest hospital for treatment. |
| Unexpected cancellation of your Bali trip |
While it’s not ideal, you, your travelling companion or your relative may become unexpectedly sick or injured in Australia before you leave for your Bali holiday and you’re no longer able to travel. Bali is also noteworthy for its earthquakes and volcanic eruptions which can lead to unexpected travel delays and holiday cancellations.If you’ve already paid deposits for your holiday, like Bali hotels, flights, tours and activities, your Bali travel insurance policy can provide cover for these prepayments if you have to unexpectedly cancel your Bali holiday. |
| Luggage and personal belongings |
Your Bali travel insurance policy may be able to provide cover if your belongings are lost, stolen or damaged. |
| Trip Disruption Expenses | If your Bali holiday is disrupted because you, your travelling companion or a family member back home is sick or injured, a natural disaster occurs or your travel documents have been stolen and you can’t continue your travel, you may be able to claim for your additional hotel and Bali transport expenses. |
| Sports and Leisure Activities | We automatically cover for a list of sports and leisure activities like bungee jumping and riding a bicycle. For the thrill seekers, the Adventure Pack can be added to your policy to cover an extra list of adrenaline-pumping activities like scuba diving to 30m. |
| 24 hour emergency assistance | If you experience an emergency in Bali you’ll be able to contact the 24 hour emergency assistance team to help guide you. They can help to coordinate your transport to a medical facility, organise translation assistance, fly relatives from Australia to your location if you’re seriously injured, or even arrange to transport you home to Australia if it’s medically necessary. |
| Special Event Transport Expenses | Are you going to Bali for a wedding? Or plan to be back in Australia for a conference? If your booked transport is delayed or cancelled, you can be reimbursed for the cost of another mode of transport to ensure you get to your special event on time. |
| Travel Delays | Flights between Bali and Australia can be delayed for various reasons including severe weather or a natural disaster like a volcanic eruption or earthquake.This benefit provides cover for unavoidable expenses including extra accommodation, food and transport if your planned transport is delayed for more than 6 hours from the scheduled departure time. |
| Hospital cash allowance | Your policy may be able to provide you with some extra cash if you’re hospitalised for more than 48 continuous hours. This payment is in addition to your medical and hospital cover and can provide for daily hospital expenses like phone calls home or ordering takeaway if you’re not keen on the hospital food! |
| Luggage and personal effects delay expenses | If your luggage is lost or stolen, you may end up needing to buy extra clothing, toiletries or other items. You can make a claim for these extra expenses, which can be particularly useful if you’re travelling with young children or babies. |
| Theft of cash | When travelling to Bali, you should take particular care of your wallet as bag snatching is prevalent. If someone does steal your money from you, you should report the theft to the police and you can be reimbursed up to $250. |
| Travel documents | It can be frustrating having to replace a lost or stolen passport. However, with cover for your travel documents, including passports and credit and debit cards, you can claim for the extra cost involved in replacing it. |
| Loss of income | If you become disabled in Bali after suffering an injury, such as from a scooter accident, then you may be entitled to a weekly benefit. |
| Accidental Death | A death benefit can be paid to your estate if:
|
| Personal Liability |
If you’re involved in a legal case regarding someone’s death, injury or damage to property, the personal liability benefit may provide cover for settling or defending a claim against you, or the payment of compensation. |
Optional Extras for Fast Cover travel insurance
We’ve built travel insurance policies that includes the benefits you may require on your Bali trip. However, we know that every traveller going to Bali will have different needs, so that’s why we offer optional add-ons that allow you to tailor your travel insurance policy for Bali to suit the type of trip that you’re taking.
These optional extras include:
| Adventure Pack | If you want more out of Bali than the shopping, dining and nightlife, and want to do more active things like water skiing, scuba diving to 30 m and hiking, check out what activities we automatically cover for, and what you need the Adventure Pack for. |
| Motorcycle Pack | You’ll need to add this to your policy if you are planning to ride or be a passenger on a scooter, moped or motorcycle. Make sure you have the relevant licence to be able to ride in Bali.Bali is a busy place, and the road rules may be different to what you’re used to in Australia, so take care when you ride! |
| Rental Vehicle Insurance Excess | Planning on driving around Bali in a rental car? You have the option to add on cover for the rental vehicle insurance excess. This travel insurance benefit may allow you to claim for the excess you would pay if your rental car is stolen or damaged in an accident. |
| Specified High Value Items | If you’re planning on bringing valuable items with you and you’d like to cover these items for more than what they’re automatically covered for, you can pay the additional premium and increase the cover for the item |
| Standard Excess | We hope you don’t have to make a claim! However if you do, a $200 Standard excess will apply for each claim that you make. You can reduce the Standard excess on your policy to $100 or $0 for an additional premium. A medical excess applies for travellers aged 80 and over and it’s not possible to reduce this. |
What region does Bali belong to?
Bali is an island of Indonesia, so if you are taking a holiday in Bali, select the Pacific region when buying your Bali travel insurance. A travel insurance policy for the Pacific region will provide you with cover for travel throughout Indonesia as well as the rest of the South Pacific, New Zealand and around Australia.
Can I get cover for pre-existing medical conditions on my Bali trip insurance?
We automatically cover 43 pre-existing medical conditions.
Even if you have a pre-existing medical condition that isn’t covered, you will still have cover for new, unexpected medical conditions which may arise during your holiday in Bali.
Pregnancy is considered a pre-existing medical condition. If you’re going to Bali on a babymoon, make sure that you check the Product Disclosure Statement (PDS) to see if you have cover for the stage of pregnancy that you’ll be in during your Bali holiday.
Do I need travel insurance for my trip to Bali?
Whether you’re staying in a resort or a hostel, lazing on the beach sipping cocktails, or doing adventurous activities like zip lining, there are various risks you may be exposed to when travelling to Bali.
Some of the common unexpected situations you may experience in Bali, and for which you can be covered for, include:
Unexpected illnesses
One of the most common illnesses in Bali is traveller's diarrhoea, which can arise if you eat contaminated food or drink tap water, and is otherwise known as the infamous 'Bali Belly'.
Bali Belly symptoms include nausea, stomach pains, vomiting and diarrhoea, which can lead to dehydration and other medical complications in serious cases.
In these types of situations, you may need to see a doctor for a consultation, go to hospital for treatment or purchase medication.
If you do get gastro after enjoying the many food offerings on the streets of Bali, and are unable to return home as planned, contact the Emergency Assistance team. You may be able to claim for the medical expenses and extra cost of your accommodation until you recover, and your policy may also be automatically extended until you return home.
Injuries
Travel insurance for Bali can provide assistance if you become injured.
You might fall over and end up with a fracture or broken bone, or become injured while riding a scooter in Bali, scuba diving, surfing or hiking.
As long as you were doing an activity that is covered by your Bali travel insurance policy, you can submit a claim for the medical expenses that you incurred.
Emergency medical repatriation
If you’re seriously injured or sick and the Emergency Assistance team believe that the standard of care in Bali isn’t up to an appropriate standard, they may arrange your transport home to Australia and for you to be accompanied by a registered nurse.
Your belongings being lost, stolen or damaged
It would be devastating to lose your GoPro, camera, credit card or phone while on your Bali holiday.
Bag-snatching has become a well-recognised form of theft in Bali. Someone may grab your bag as you’re walking or even snatch it from your shoulder as they drive past on a motorbike. These thieves tend to target tourists in and around the upmarket shopping areas and there’s also the possibility of having your belongings stolen from your accommodation.
In many cases, your Bali travel insurance policy may be able to provide cover if your belongings are lost, stolen or damaged. Just remember to obtain a police report within 24 hours of the theft to submit with your claim.
Experiencing complications with pre-existing medical condition
We automatically cover 43 pre-existing medical conditions. This means that if that condition unexpectedly leads to further complications while you’re travelling, you may be able to claim for the medical expenses that you incur as a result.
Pregnancy is considered a pre-existing medical condition and can be covered up to a set number of weeks.
If you take out a policy where your pre-existing medical condition isn’t covered, you may not be able to claim for any medical expenses should you experience complications.
Always check the Product Disclosure Statement (PDS) to find out whether or not your pre-existing medical condition is covered.
Natural disasters
Natural disasters can result in flight delays and cancellations and consequently, travellers spending more than expected on their Bali hotel or having to cancel their holiday completely.
If a natural disaster occurs after you’ve purchased a Bali travel insurance policy, you may be reimbursed for these expenses if your trip is disrupted.
Personal Liability
Your Bali travel insurance policy also includes Personal Liability Insurance. Should a claim be made against you for the death or injury of a person, or the physical loss or damage to property, your Bali travel insurance policy may be able to assist in the payment of compensation and legal expenses.
Where can I get cheap travel insurance to Bali?
When you’re planning your holiday and looking at getting insurance cover, the cheapest travel insurance to Bali may not always be the best travel insurance for Bali.
You should also look at what the Bali insurance policy can cover you for, what you want to be covered for, and the cover limits. Do you need cover for riding a scooter, moped or motorcycle? Are you concerned about cover for your pre-existing medical conditions? What if your passport, credit or debit cards are stolen from you? And how about cancellation cover?
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 whether it provides the insurance cover for your type of Bali holiday.
Read our article which give you tips on 20 ways to save money on your travel insurance.
Does travel insurance cover riding a scooter?
Riding a scooter in Bali is not automatically covered. If you’re planning on riding or being a passenger on a scooter, moped or motorcycle in Bali, you’ll need to add the Motorcycle Pack to your Bali travel insurance policy and pay the additional premium.
The road conditions can be vastly different to what you’re used to in Australia, so ride safely and take care of yourself!
What can Bali trip insurance do for me?
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 advice 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 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 advice 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.
Can I get travel insurance to Bali from Australia?
Travel insurance for Bali is available to:
- Travellers up to the age of 89.
- Travellers going on short holidays, or holidays stretching for up to two years (1 year policy plus a 1 year extension).
- Australian Citizens, Permanent or Temporary Residents.
- Travellers who satisfy the conditions in our list of 43 automatically covered pre-existing medical conditions. Pregnant women who are thinking of travelling to Bali on a babymoon before their baby arrives should check the Product Disclosure Statement (PDS) to see if they are covered for the stage of pregnancy that they are in.
- People intending to do various adventure activities such as riding a scooter, moped or motorcycle, scuba diving or bungee jumping. You should check to see if the activity is automatically covered or if you need to pay an additional premium for the activity to be covered under your policy.
You will be able to find travel insurance for:
- Singles or solo travellers
- Duo travellers including spouses, couples, de facto, siblings, cousins, friends and work mates
- Families including grandparents travelling with their grandchildren and multi-generational travellers
- Schoolies
- Groups
What am I not covered for with my travel insurance?
There are a number of situations where your Bali travel insurance policy may not provide you with cover, and include:
If you are breaking the law
If you become injured while breaking the law, you may not be covered for your hospital and medical expenses. This includes riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol. Remember that possession of drugs including marijuana, are illegal in Bali. Using drugs or selling them can land you with a long prison term or the death penalty.
If you are intoxicated or have taken illicit drugs
It’s not illegal to have a drink while in Bali, but if you’ve drunk alcohol excessively, your travel insurance will be void. That means if you’re under the influence of alcohol and you stumble and hurt yourself, you may not have cover for medical expenses. Drugs are illegal in Bali and you may not be covered by your Bali travel insurance policy when you’ve taken drugs.
If you do an activity that isn’t covered by your policy
If you’re injured in an accident while riding a moped and you didn’t add the Motorcycle Pack to your Bali travel insurance policy, you’ll be responsible for paying your medical and hospital expenses because it wouldn’t be covered by your policy. Ensure you have cover for the activities you plan to do in Bali.
Unsupervised belongings
If something of yours is stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your wallet and passport inside it on the beach while you go for a swim, this will be considered leaving your belongings unattended, in which case you may not be covered. Make sure you keep your belongings with you at all times or keep them in a secure location.
Sexually Transmitted Infections (STI’s)
Medical expenses related to Sexually Transmitted Infections or diseases is excluded from cover for all of our travel insurance policies.
Regular medical or dental check-ups
Cover is not provided for regular check-ups or filling regular prescriptions as they are not considered medical emergencies. If you require regular medication, bring enough of what you’ll need for your Bali holiday before you leave Australia.
Ignoring official warnings
Should the Australian Government release a warning on Smartraveller that certain areas are no longer safe to travel to and you still choose to travel there anyway, your Bali trip insurance policy may be void.
Known Events
Known events are serious situations, from natural disasters like the Bali volcano, to disease outbreaks, which can affect your Bali holiday plans and also the cover on your travel insurance policy for Bali.
If you buy your Bali insurance after an event is deemed a “Known event”, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for Bali so you know where you stand with regards to the cover that you will have on your Bali travel insurance policy.
Disappointing holidays
Perhaps the weather was bad or your accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your holiday has shaped up, your travel insurance policy for Bali won’t compensate you because you didn’t enjoy your time there.
What is the best travel insurance for Bali?
The best Australian travel insurance policy for your trip to Bali is a policy that’s able to cover you for the type of Bali holiday that you’re taking.
When looking for a travel insurance policy for your Bali trip, think about what you’re going to be doing and what you want to be covered for:
- Have you booked your Bali Scoopon or Groupon deal in advance, and need cancellation cover in case you can’t make the trip due to an unexpected illness or injury?
- Have you just bought a new phone and you’re worried that it will be stolen?
- Do you need cover in case you’re injured while riding a scooter?
- Are you concerned about a new natural disaster which may delay your travel or even cause your Bali trip to be cancelled?
These considerations should be taken into account when looking for the best travel insurance policy for your Bali holiday, so you know that you’re covered before and during your trip to Bali.
Bali Travel Insurance FAQs
Yes, you can purchase your Bali travel insurance after you book your flight, and even if you've already left Australia. If you're concerned about protecting the money that you've paid for your flights, hotels and tours, you can consider taking out travel insurance with cancellation cover as soon as you've paid your deposits.
Riding a quad bike or recreational all-terrain vehicle in Bali or anywhere in Indonesia is not automatically covered under your Bali insurance policy. You would need to add the Adventure Pack to your Bali travel insurance policy and pay the additional premium to be covered for this activity.
Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).
Travel insurance companies can provide cover for unexpected events including natural disasters such as volcanic eruptions and earthquakes. Cover would depend on when you purchased your policy, when the natural disaster occurred and the conditions as set out in the Product Disclosure Statement (PDS).
You may have cover for any medical costs if you're injured as a result of a terrorist attack. However, there's no cover for the costs of cancelling your holiday because you're worried about a potential terrorist attack. You should check Smartraveller and our Travel Alerts, as they may also affect the cover that you have in the event of a threat or act of terrorism.
Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).
Claims directly or indirectly related to an epidemic or pandemic are excluded from cover in your Bali trip insurance policy. For example, Dengue Fever and the Chikungunya virus which are prevalent in Bali would not be covered.
For more information, refer to our Product Disclosure Statement (PDS).
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!
Elective surgery isn't covered under any of our Bali travel insurance policies. If you experience any complication as a result of the surgery, you won't be covered by your Bali insurance policy.
It would be difficult to say that any place in the world is 100% safe. Wherever you're travelling, you should research your destination, including checking the Australian government Smartraveller to see if it's the type of area you'd like to travel to and take necessary safety precautions.
- Seek assistance immediately: go to the hospital, doctor or police.
- Contact Emergency Assistance team as soon as possible.
- If required, contact the Australian Embassy.
When looking to purchase a travel insurance policy for Bali, you should consider what type of holiday you plan to take, what you want to be covered for and whether the policy you are looking at will be able to cover you.
In general, travel insurance policies would not be able to cover a natural disaster that has already happened, or for which a travel alert is active, as it currently is for Mt Agung. There would still be cover for any new events that may occur after your policy is purchased.
Bali Travel Insurance Related Articles
* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply. For travellers aged 80 and over, additional terms and conditions, limits and excesses apply.