Travel Insurance for Bali

From ancient landmarks and relaxing resorts to adventure activities and late-night clubbing, Bali is a bucket list tourist destination for many Australians. However, with so many opportunities for incredible experiences, there is also a chance for plans to go awry. This is where we come in, offering a range of travel insurance options that might be worth considering ahead of your epic Balinese holiday.

Instead of paying out of pocket, travel insurance can cover or provide reimbursement for unexpected expenses, both big and small depending on available levels of cover. This might go a long way in helping you get the most out of your Bali adventure. Below, we explore some important reasons to consider purchasing travel insurance before visiting the ‘Island of the Gods’.

What to consider before buying travel insurance for Bali

Bali is a beautiful place, however as with any destination you plan to visit, it’s important to exercise a degree of caution and know the risks before you travel. According to the Department of Foreign Affairs and Trade (DFAT), travellers should consider the danger of natural disasters, like volcanic eruptions, ash clouds and terrorist attacks. You might also consider other potential circumstances that are out of your control while travelling, like loss of luggage or flight delays.

Government advice

As your journey approaches, staying informed about the latest government travel advice will help facilitate a safe and hassle-free journey. Head to Smart Traveller to review the areas you intend to visit and update your plans (and insurance policy) if necessary.

Activities and plans

Bali is full of thrilling experiences and activities to load up your itinerary. However, certain types of activities can affect the cost of your travel insurance policy, so it might be worth carefully considering your requirements, such as cover for rental car insurance excess, motorcycle/moped riding and adventure sports.

Travel documents and personal belongings

A significant aspect of travelling includes keeping your travel documents and personal belongings safe. Despite your vigilance, loss, theft, and property damage can still happen during your trip. Understanding the value of your belongings before you depart might help when selecting the right travel insurance policy to suit your needs.

Know what it takes to cover your trip

When it comes to selecting travel insurance for your Bali trip, there are a few factors that should be taken into consideration. Knowing the total cost of your holiday, including flights accommodation, transportation and activities, as well as being aware of any existing medical conditions you have that you may need to declare , can help you get a complete picture of the cover you’re looking for.

What should my travel insurance for Bali include?

While you’re relishing your Bali experiences, the last thing you want to think about is whether you have adequate travel insurance cover in the event of unforeseen circumstances such as trip cancellation, medical expenses, lost luggage and emergency medical assistance. Australia Post offers a range of travel insurance options to cover travellers, however the general benefits and cover options vary depending on the selected policy. Discover whether our Basic International or International Comprehensive Travel Insurance makes the most sense for your Southeast Asian adventure.

Protection against theft

Petty crime is an unfortunate reality when travelling the globe. Fortunately, our International Comprehensive Travel Insurance plan for Bali includes benefits for stolen items, meaning you can quickly replace valuables or receive appropriate compensation. For instance, our insurance policies cover the value of lost, stolen or damaged smartphones, cameras, tablet computers, laptops and other electronics up to the limits specified in the PDS. Plus, for specific high-value items, you might be able to increase the item limit by paying an additional premium. Check the Combined FSG/PDS (PDF 696kB) for more information.

24/7 Australian medical advice

Getting sick far from home can be a stressful experience. That’s why all our travel insurance policies include access to 24/7 emergency assistance with an Australian doctor or nurse. Additionally, both our Basic International and International Comprehensive Travel Insurance policies offer $Unlimited¹overseas medical expenses should you need to visit a local hospital. For a full list of benefits and more information on travelling with pre-existing medical conditions, review the PDS.

Security from changes and cancellations

Travel plans hit a snag? Don’t worry, you can add cancellation cover to your policy, at an amount that suits you. By adding cancellation cover to your policy, you will have access to benefits for the cost of rearranging or cancelling your journey due to unexpected events outside of your control, such as illness, accidents or extreme weather conditions.

Cover for water sports

Bali is the place for water-related adventures, whether you’re relaxing by the pool or embracing the thrills of water sports. Our travel insurance policies automatically include cover for a range of adventure sports, including surfing, snorkelling, jet boating, bungee jumping and sky diving–so you don’t have to miss out on any of the fun.

Travel tips for Bali

When planning your trip to Bali, travel writer Anna Sherchand offers some key tips for a safe and enjoyable experience. She recommends visiting during the dry season from April to October, and packing essentials like lightweight clothing, sunscreen, insect repellent, and a reusable water bottle. For transportation, consider renting a scooter for flexibility, using ride-hailing apps like Gojek or Grab, or hiring a private driver for day trips. Lastly, she advises staying cautious in traffic, being alert to scams, and respecting local customs and dress codes, especially when visiting temples.