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Home » Southeast Asia » Indonesia » Bali

Guide To Bali Travel Insurance – ALL You Need To Know

Island of the Gods, heaven on Earth for surfers, and a treasure trove of natural wonders. Bali is, quite rightly, one of the most popular destinations in the world. Dripping in spirituality (those 20,000 temples help), the island is also a playground for adrenaline junkies. Oh, and Bali also knows how to put on a damn good party.

It is one of the few places in the world where shoestring backpackers, digital nomads, and luxury honeymooners coexist alongside one another. There is a little something for absolutely everybody and it’s also a great location to kickstart your travels around SE Asia.

Your head is probably spinning thinking about all the awesome things you can do in Bali. We bet you can’t wait to get out there. But, before you do, today’s topic will really break you out in a sweat. This one’s all about travel insurance in Bali!

Buying travel insurance is a hindrance we would  all rather avoid. With these helpful tips and tricks, you can know which insurance company is best for you and your travels, and what kind of policy you need.

Month to month payments, no lock-in contracts, and no itineraries required: that’s the exact kind of insurance digital nomads and long-term traveller types need. Cover yo’ pretty little self while you live the DREAM!

Do I Need Travel Insurance For Bali?

What should travel insurance in bali cover, what is the best bali travel insurance, how to choose the right bali travel insurance for you, final thoughts on bali travel insurance.

As with the rest of Indonesia, travel insurance for Bali is not mandatory. Immigration won’t send you away if you rock up at Bali Ngurah Rai International without it. But all travellers to Bali should put some serious thought into covering themselves with a decent insurance policy.

First up, there is a fair amount of danger lurking beneath those swoon-worthy palm trees. We’re talking about volcanic activity and tsunamis, tropical diseases and rogue monkeys who don’t take too kindly to you not surrendering your jungle trail mix. And then there are the bike crashes – you may be the most competent motorcyclist out there, but all it takes is one drunken tourist on your side of the road to throw a spanner in the works.

It won’t take you long to suss out that Balinese people are among some of the warmest, friendliest and purest in the world. But sadly, theft and petty crimes are common, even in Bali! It’s also worth noting that not all Bali police will help you if you get your bag swiped.

We encourage all travellers to at least consider taking out some travel insurance in Bali. At the end of the day, you just never know what might happen in those rice paddies!

Need more convincing? Check out these other reasons why you should have travel insurance!

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Healthcare in Bali

As tourism has mushroomed, the boost on the economy and infrastructure in Bali has bolstered the healthcare system. Tourists will find many private hospitals with state of the art, international-standard facilities. Most of the doctors are fluent in English, or at least have a strong command of the language. Geographically, the lion’s share of Bali’s premium healthcare is in the south of the island – tourist central. Kuta, Denpasar and Seminyak are where you will find the majority of the large hospitals. Ubud, a popular Bali destination, also is medically well-equipped.

The cost of seeing a doctor in Bali for minor injuries and medical complaints is low in comparison to Western prices. For a consultation with a doctor at a local clinic, you can expect to pay in the region of 500,000+ IDR ($31 USD). Further tests, laboratory costs, treatment fees, and prescription costs will be added to the bill. Expect rates to be higher at tourist-facing hospitals such as BIMC and Siloam . Ultimately, if you require emergency treatment in Bali, medical attention is going to get pricey without insurance or medical coverage.

Check out if your Bali travel insurance policy has a tie-in with a particular hospital or clinic whereby they can bill your insurance provider directly. Otherwise, keep your receipts to be reimbursed.

Crime in Bali

Bali is a peaceful island that is, on the whole, safe for tourists . The region ranked 133rd in a recent survey from Numbeo, with a criminality index of 47.66. Compare this to Caracas, which came top of the crime list with a score of 84.92!

While violent crime is low, sexual assaults and drink spiking are, sadly, all-too-common in Bali. Female travellers need to exercise much more caution, especially when walking alone, or even riding scooters.

The one thing Bali is notorious for is drive-by bag snatches. First-time visitors and digital nomads: you’re very likely to find yourself in the hippy-go-lucky Canggu . When heading out for a night on the Bintang, ensure you hide your money and smartphone! If partying is high on the agenda, all the more reason to consider travel insurance for Bali. Thieves prey on their victims as they leave beachside bars and target pedestrians as well as those driving their own wheels.

In a similar vein, never, ever, leave valuables in your Scoopy while you hit the surf. Lock them away at your hostel and keep essentials on your person. Consider adding valuables insurance to your coverage.

Scams are relatively common. There is a notorious ‘ taxi mafia ’ who block the usage of taxi apps Grab and Gojek (Indonesian Uber!). Tourists have reported ordering a ride and then seeing local drivers violently assault drivers. Basically, as far as crime goes in Bali, you just need to keep your wits about you.

Issues Facing Travellers in Bali

Besides falling in love and never wanting to leave, there are a few other issues facing travellers visiting Bali. These are where your fancy travel insurance can help you out. As a tropical, humid destination, you’re bound to run into Bali’s mosquitos bringing risk of dengue. In extreme cases, this requires a mini-break in a ward.

You’ve also got to stay clear of the monkeys, which can be particularly aggressive in Ubud. Don’t be fooled by those cute little faces!

Meanwhile, two active volcanoes bubble away in Bali – Mount Agung and Mount Batur. Agung is the one you need to keep an eye on; it’s made a few headlines over the past few years by spewing up lava. Indonesia is known for jolting its tourists with earthquakes on an ad hoc basis. Recently a 6.3 magnitude tremor earthquake was reported in Bali.

Both volcanoes and earthquakes can trigger tsunamis. Basically, what we are trying to say, when you are shopping around for the best travel insurance for Bali, you may want to tick that natural disaster box!

If you plan on hopping on a motorbike in Bali, this is where travel insurance is going to sound super sexy. Police reported that Indonesian motor accidents take around 30,000 lives per year! Back in 2015, a total of 1,492 traffic accidents across Bali occurred. More often than not, tourists are involved, and as Go Fund Me testifies, those tourists often don’t have an insurance plan.. Don’t be that person.

We can’t stress the value of travel insurance in Bali enough if you are planning on driving or riding pillion. Also, ensure that you have the correct license and double-check the small print – at least twice. And never ride without rocking a helmet.

Common Activities in Bali

• Surfing – This small island is packed with awesome things to do ! First and foremost, Bali is a surfer’s island. It goes without saying that surfing carries its fair share of risks – and we’re not just referring to how addictive it is. Keeping the watery theme going, Bali is popular with divers and snorkellers. Scuba diving is usually insured to a certain depth, but you’ll need to check the terms on your travel insurance for clarity.
• Yoga – Another popular holiday activity for Bali is ducking into a yoga retreat. You can barely walk through the island for the number of downward dogs and warriors – kinda . Obviously, a yoga holiday in Bali  isn’t too high risk, but if you get a bit too eager with that backbend, well, you might want some cover.
• Driving a motorbike is ubiquitous in Bali. If we didn’t terrify you in the previous passage, it’s something you’ll definitely want to look into. There’s no better way to discover this little slice of tropical heaven (and dodge the selfie sticks).

Not all companies will cover these activities by default, so do browse with care and remember that the cheapest Bali travel insurance might not offer the best protection.

Things go wrong on the road ALL THE TIME. Be prepared for what life throws at you.

Buy an AMK Travel Medical Kit before you head out on your next adventure – don’t be daft!

As a rule, most travel insurance for Bali will include the following;

Emergency Accident & Sickness Medical Expenses

Baggage and personal property.

• Emergency Evacuation and Repatriation

Non-Medical Emergency Evacuation

Trip cancellation, trip interruption.

These are key terms to look out for when comparing insurance policies.

Let’s take a closer look at what each one of these actually means.

The headline for most travel insurance policies is emergency medical costs. If you are in a car crash or come down with meningitis, you want to rest easy knowing that any ensuing medical costs will be taken care of.

In case you have never seen a medical bill, let us assure you that they CAN be expensive. A member of our team once racked up costs of $10,000 in Costa Rica and then a nasty infection in Thailand cost him $2,000.00 for just 2 days in the hospital. Ouch.

Pre-existing medical and health conditions may not be covered or may come at an additional premium.

Ideally, Emergency Accident & Sickness Medical insurance should offer at least $100,000.00 of coverage.

Baggage and Personal Stuff coverage covers the value of your personal property. It’s most common application is for lost luggage and many policies also extend this to cover “on the ground” theft.

The limits on this vary between policies but rarely exceed $1000 with a maximum item value between usually up to $500.

This is fine for many travellers but if you travel with a lot of electrical gear (laptop & camera), you may also wish to think about taking out a separate gadget cover.

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Emergency MedicalEvacuation and Repatriation

Emergency medical evacuation covers the cost of sending you back to your home country in a sickbed. Let’s say that the above-mentioned car crash is a nasty one and the decision is taken to send you home for further treatment; this will take care of the high, associated costs.

Repatriation is the cost of sending your earthly remains home in the tragic event you die overseas. The costs of this are generally huge, and it is not a burden I would want to leave to my family. Whilst this is rare, every now and then I do come across a Facebook or “Go Fund Me” page for somebody’s body to be flown home.

Non-medical Emergency Evacuation is when you have to be evacuated from your destination because of some unexpected crisis. Classic examples are outbreaks of war/civil unrest and earthquakes that decimate infrastructure. In recent times, the Corona COVID-19 outbreak created the biggest international emergency evacuation situation ever. (FYI – it straddled both the medical and non-medical evacuation boundaries).

Emergency evac insurance covers the costs of having to book a last-minute flight ( which can be expensive) and will also cover accommodation costs if you end up being flown to a random, “safe” country rather than going straight home.

Being forced to cancel a trip you were looking forward to sucks. But being left out of pocket just rubs salt into that festering wound. Trip Cancellation cover can help you recover non-refundable costs such as booked flights and hotel costs.

Note that you can’t claim under this simply because you changed your mind or broke up with your boyfriend. Acceptable cancellation reasons are things like sickness, family emergencies, bereavement, natural disaster, pandemics and war – you get the gist.

Trip Interruption is when something goes wrong with a part of your trip leaving you out of pocket. For example, when your hotel burns down and you are forced to book another one. Or when your flight home is canceled and you need a few extra nights at your hotel. These are just a few examples of when you may need to reply on trip interruption.

Anything Else?

The above is what we consider to be the basic, bare-bones of travel insurance. However, some policies do offer a few more aspects and the best Bali travel insurances may also offer the following;

Adventure Sports and Activities

Note that some travel insurance options do not cover adventure sports and activities. The definition of adventure sports and activities does vary between providers but for example, can include;

• Paragliding
• Soccer practice….

If you are even considering doing anything physical or outdoorsy on your trip, it is wise to check that your insurance provider is covering it. Broken ankles hurt enough without having a $5k Doctors bill attached to them.

Accidental Death and Dismemberment

This one doesn’t cover any travel-related expenses but instead it basically provides you, or your family with some compensation in the event that something awful happens to you. If you die, your loved ones get a payout. Or, if you lose a finger or something, YOU get a payout.

It’s like having a bit of life cover attached to your travel insurance. I know that not everybody is altogether comfortable with the concept of pay-outs for life & limb – I guess it kind of goes something like this;

“Well dear, I’m afraid there is good new and bad news. The bad news is that our beloved son little Jimmy died on his trip to Bali. The good news is that we get $10k! Bali here WE come!”

Gear and Electronics Cover

Some insurance policies cover electronic gadgets, and some don’t. Those that do, may charge an additional fee, and they generally limit the maximum item value. If you only travel with a phone or tablet, your travel insurer may well cover it entirely. On the other hand, if you are traveling with a decent laptop then you may wish to consider obtaining gadget cover.

I have personally had gadget cover on my MacBook Pro for years.

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It is fair to say that not all insurers are created equal. Some offer lower prices than others, and others offer more comprehensive cover. Some are notorious for shirking cover, whilst others are applauded for their excellent customer service .

Travel insurers are all the same yet always different, and it is absolutely not the case that anyone of them is the best, or is “better” than the others. Insurance is a complex product which takes into account a whole lot of data and a wide set of variables. The “best” travel insurance always depends on where you are going, when you are going there and ultimately upon you and your needs.

Below, we will introduce a few of the many travel insurance providers on offer. These are firms we have used ourselves over the years.

SafetyWing is a very interesting travel insurance company. They specialise in covering digital nomads and offer open-ended cover on a monthly subscription basis. Note that because they are primarily covering digital nomads, they don’t offer much in the way of trip cancellation or delay.

They do however excel on health insurance, covering dental and some complimentary treatments, and they even allow young children to be covered for free. If cancellation and delay is not a concern for you, or you will be spending some considerable time on your trip, then maybe SafetyWing are right for you.

• Emergency Accident & Sickness Medical Expenses – $250,000
• Baggage and Personal Property – $3000
• Emergency Evacuation and Repatriation – $100,000
• Non-Medical Emergency Evacuation – $10,000
• Trip Cancellation -$0
• Trip Interruption – $5000

If you need more information or want to get a quote, then you can visit the website for yourself.

Talk about efficient and effective, Heymondo are up-to-date when it comes to combining travel insurance with technology in the digital world of 2022. What truly sets them apart is their assistance app offering a 24-hour medical chat, free emergency assistance calls and incident management. How reassuring is that?! They also have a convenient and complication-free way to make a claim straight from your phone.

Medical expenses are covered up to $10,000,000 USD so try not to damage yourself anything over that amount… If you’d like travel insurance that operates with that little extra swiftness and ease, give these guys a go. They offer multiple options – single trip, annual multi-trip and long stay. We’ve focused on single trip, but do check out the others and find what fits your next adventure.

• Emergency Accident & Sickness Medical/Dental Expenses –$10,000,000 USD
• Baggage and Personal Property – $2,500 USD
• Repatriation and Early Return – $500,000 USD
• Non-Medical Emergency Evacuation – $10,000 USD
• Trip Cancellation – $7,000 USD
• Trip Disruption – $1,500 USD
• Covid 19 coverage included in all plans

If you need more convincing, click the link below to get 5% off your Heymondo travel insurance plan!

World Nomads

World Nomads have been supporting and encouraging travellers to explore their boundaries since 2002. Designed by travellers for travellers, they offer simple and flexible travel insurance covering multiple countries and a lot of adventure activities.

If you leave home without travel insurance or your policy runs out, you can buy or extend while on the road.

World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.

Columbus Direct

Named after one of history’s greatest (and most divisive explorers), Columbus Direct also specialise in insuring adventure-hungry explorers like us. They have been providing award-winning insurance for 30 years. What we like about this plan is that it does cover small amounts of personal cash. However, Gadget Cover is not available.

Columbus Direct actually offers a number of different travel insurance plans. Below we have focused on 1 of these, and have set out the coverage amounts for the Globetrotter plan.

• Emergency Accident & Sickness Medical Expenses – $1,000,000
• Baggage and Personal Property – $750
• Emergency Evacuation and Repatriation – $1,000,000
• Non-Medical Emergency Evacuation – $0
• Trip Cancellation -$1,000
• Trip Interruption  (“Catastrophe”) – $750

Iati Seguros

Iati Seguros is a Spanish based travel insurance company who we have personally used and loved. You will notice that they provide competitive cover amounts for the key travel insurance areas, and are competitively priced. So far we have heard nothing but good things about them.

They also offer multiple options, but we have focused on the Standard Plan. Although, we wholly encourage checking out all plans for yourself to identify the best one for your needs.

• Emergency Accident & Sickness Medical Expenses – $200,000
• Baggage and Personal Property – $1000
• Emergency Evacuation and Repatriation – 100% of cost
• Trip Cancellation -$1,500
• Trip Interruption  – 100% of cost

Insure My Equipment

Insuremyequipment.com is an online insurer for expensive equipment (like camera gear). You can get specific pieces of gear insured so you know exactly what will be covered. Note that this policy is for your gear only!

An Insure My Equipment policy works well in combination with other travel insurance. Insure My Equipment policies are an excellent choice for professionals and backpackers with more than $3000-$4000 worth of camera equipment or expensive laptops.

Choosing the right travel insurance for your Bali holiday is like choosing underwear, only you know what feels good. You need to work out how much your trip is worth, how much equipment you plan to take and what activities you intend to engage in.

And of course, you need to ask yourself how much can you afford – how much you can afford to pay for cover, and how much you can afford to be out of pocket in the unlikely event of a claim.

Sometimes, the cheapest Bali travel insurance will be enough, and sometimes it will be worth spending a bit more. Hopefully, the information provided in this post will help you to decide – if not, then I just wasted 5 hours of my life in writing it!

Is Bali Safe? Bali Backpacking Guide

Is Bali Expensive? Where To Stay in Bali

There you have it – your guide to travel insurance for visitors to Bali in a nutshell. Well done for persevering; you’ve earned yourself your first Bintang at Old Man’s!

Now that’s done and dusted, don’t forget that Bali is one of only 17,000+ islands in the breathtaking nation of Indonesia. We’ve written heaps of insider guides to Bali and its neighbouring islands, including where to stay in Bali and the best things to do in Bali. Off you go to plan your legendary trip!

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Aiden Freeborn

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• Travel Insurance Bali

On This Page

• Key takeaways

Do I need travel insurance to visit Bali?

Our top picks for the best travel insurance for bali, bali travel information & requirements, why bali travel insurance is important, what does travel insurance for bali cover, what isn’t covered by travel insurance for bali, how much does travel insurance for bali cost, tips for getting the best bali travel insurance, faq: bali travel insurance, related topics.

Travel Insurance for Bali: US Visitor Requirements & Quotes

• You’ll need a visa and a valid U.S. passport to travel to Bali.
• It’s a good idea to purchase travel medical insurance because Indonesia does not accept U.S. health insurance .
• According to our research, our top picks for travel insurance for Bali come from Seven Corners, Travelex and Tin Leg ( skip ahead to view these plans ).
• While the cost of travel insurance varies depending on the provider, type of coverage and more, the cheapest plans can cost as little as $1 per day .
• To find the best deal, we recommend using an online comparison tool . This way, you can view multiple quotes and coverage options at once.

If you’re in the mood for an island getaway, you can’t go wrong with a trip to Bali. Breathtaking waterfalls, sandy beaches, mountain summits and hidden caves await you.

Before you pack your bags, however, we highly recommend that you purchase comprehensive Bali travel insurance. 

In this guide, we’ll help you understand:

• Travel requirements for Bali
• Why it’s important to purchase a comprehensive travel insurance plan
• What travel insurance for Bali covers and doesn’t cover
• How to find the best travel insurance policy for your needs

Our top picks for the best travel insurance bali

• Seven Corners: Best for Robust Coverage
• Travelex Insurance Services: Best Rated Travel Insurance
• Tin Leg: Best for Travel Delays

Seven Corners

Travelex insurance services.

There’s no legal requirement to have travel insurance , but we highly recommend purchasing a travel plan with coverage for trip cancellation, trip interruptions, medical expenses, medical evacuation and other common scenarios. 

A good travel insurance plan protects you from significant financial losses in the following circumstances:

• You incur unexpected medical expenses while you’re island-hopping in Indonesia.
• You need emergency evacuation services due to a severe illness or injury.
• An unforeseen natural disaster forces you to cancel your trip or end it early.
• The airline loses or damages your luggage.
• An unexpected delay forces you to stay in Indonesia for longer than planned.

Best for Robust Coverage

Why we like it.

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Best Rated Travel Insurance

• Plans can be customized with upgrades
• Children 17 and under included for free with some plans
• Coverage for pre-existing medical conditions available
• CFAR coverage is available as an add-on to a comprehensive travel insurance plan
• Optional CFAR coverage only reimburses 50% of prepaid travel expenses, which is less than some competitors
• Travel Select plan only has $50,000 in coverage for emergency medical expenses, which is lower than some competitors
• The baggage delay benefit requires a 12-hour waiting period
• CFAR coverage is not available with all Travelex plans

Best for Travel Delays

• Coverage for pre-existing conditions
• Cancelation & interruption coverage
• Offers hurricane and weather coverage

Are there COVID-19 restrictions for U.S. tourists?

Although the U.S. State Department encourages American travelers to get the COVID-19 vaccine, Bali’s government has no COVID-related restrictions for U.S. tourists. Indonesia  stopped requiring proof of vaccination  on June 9, 2023.

Do I need a visa or passport to travel to Bali?

Yes. You need a valid U.S. passport with at least two blank pages for your entry stamp. Your passport must be valid for  at least six months  following your scheduled arrival date.

You also need to obtain a visa from Indonesia’s  e-Visa system  before your trip. Indonesia offers single-entry visas as well as multi-trip visas. The cost of a visa depends on the length of your stay and the reason you plan to visit Bali. For example, it costs IDR 1,500,000 (around $96) to purchase a single-entry tourist visa for stays lasting no more than 60 days.

Is it safe to visit Bali?

Bali is relatively safe, but it does have an increased risk of natural disasters due to its location in the Lesser Sunda Islands. There’s also some risk of terrorist activity in Bali and other parts of Indonesia. Protect yourself by taking common-sense precautions during your trip.

Risk of volcanic eruptions and natural disasters

Indonesia is located in the Ring of Fire, a belt of earthquakes and volcanoes surrounding much of the Pacific Ocean. Therefore, there’s a high risk of volcanic eruption. Some insurance companies classify volcanic eruptions as foreseen events, which means they won’t cover trip cancellations or interruptions due to volcanic activity. Other firms treat them as unforeseen events.

Risk from sporting activities  

Bali is home to Mount Batur, West Bali National Park and other points of interest. If you decide to go trekking, try SCUBA diving or participate in other adventure activities, you’ll need a comprehensive travel insurance policy to protect you. Depending on the type of policy you buy, your insurer may reimburse you for unforeseen medical expenses, medical evacuation costs and other expenses associated with adventure sports.

Note that most standard insurance plans don’t include this type of coverage. If you want coverage for risky activities, you’ll need to add it to your Bali travel insurance policy.

Risk of a driving accident

Bali doesn’t have a strong public transportation system, so many people use motorbikes and mopeds to get around. When you ride a motorbike or a moped, you don’t have the body of a vehicle around you for extra protection. Therefore, you may sustain serious injuries if you’re involved in an accident.

The risk of accidents is also higher for motorbikes and mopeds than it is for standard cars and trucks, especially if you ride with someone who darts around traffic or drives at a high rate of speed. A comprehensive travel insurance plan covers medical expenses and other costs arising from this type of accident.

Depending on what type of travel insurance policy you buy, your plan may cover the following situations.

Trip cancellation insurance

Trip cancellation coverage reimburses your prepaid, nonrefundable expenses in the event you have to cancel your trip for a covered reason. For example, if you come down with a serious illness before your departure date, you may qualify for reimbursement of up to 100% of your prepaid costs. 

This type of insurance only covers unforeseen events, which are things that happen suddenly and unexpectedly. For example, if you book your trip after a named storm has already developed near Bali, you won’t be able to get your money back if the storm forces you to cancel your trip. Severe illness, job loss and the death of an immediate family member are all examples of unforeseen events covered by trip cancellation policies.

Some companies also offer cancel-for-any-reason insurance , commonly abbreviated CFAR. This type of insurance allows you to get your money back if you have to cancel for a reason that isn’t covered by your standard travel insurance plan.

Assume your travel companion decides they want to go to Bora Bora instead of Bali. That’s not a good enough reason to cancel under a standard plan, but you can get your prepaid, nonrefundable expenses back if you paid for CFAR coverage.

Trip delay insurance

During your trip, you’ll probably use at least one common carrier, which is a company that provides transportation services to the public. This includes commercial airlines, railroads, cruise lines and bus companies.

If you’re delayed due to a problem with one of these carriers, your travel insurance will reimburse you for any expenses arising from the delay . For example, if an airline cancels your flight, causing you to arrive in Indonesia a day later than planned, your insurance company may reimburse you for the money you spent on meals and toiletries related to the delay.

Trip interruption insurance

Sometimes you depart on time and have to end your trip early due to unforeseen circumstances. This is why you need trip interruption insurance. This type of coverage reimburses you for expenses associated with a covered event . Imagine that you’re hiking through the Indonesian wilderness. Suddenly, you fall from a great height, breaking both legs. You won’t be able to continue your trip as planned, the perfect time to use your trip interruption benefits.

Your insurance company may also cover your repatriation costs, which are the costs associated with returning to your home country. For example, if you have to change your flight, a last-minute ticket may cost $500 or $1,000 more than you already spent. Trip interruption insurance covers these expenses.

Travel medical insurance

U.S. health insurance generally doesn’t cover medical emergencies that occur overseas . Travel medical insurance covers expenses arising from unexpected illness and injuries, ensuring that you don’t leave Bali with a huge hospital bill. For example, if you get into a motorbike accident, you may have to spend several days in a medical facility. Travel insurance will cover your room and board, nursing care, lab tests, X-rays and other healthcare services.

Medical evacuation insurance

Some areas of Indonesia are rather remote. If you’re exploring some of Bali’s hidden caves, for example, there’s a chance you’ll fall and injure yourself. Unfortunately, the closest hospital may be 50 miles away . Medical evacuation insurance covers the cost of transporting you to the nearest medical facility equipped to treat you.

Insurance for personal items

Personal item coverage, also known as baggage and personal effects insurance, protects you in the event your personal items are stolen or damaged while you’re traveling. For example, if an airline employee damages your camera, you may be able to get reimbursed by your insurance provider.

Rental car coverage

Rental car coverage protects you any time you’re using a covered vehicle. Due to poor lighting, Bali’s streets are rather difficult to navigate at night. You may also encounter drivers who refuse to follow local traffic laws.

If you’re in an accident, or if someone vandalizes or steals your rental vehicle, your insurance company will reimburse the rental car agency . The reimbursement is usually limited to the cost of repairs or the value of the vehicle. Note that your travel insurance policy may exclude some vehicle makes and models.

Standard travel insurance doesn’t cover the following:

• Pre-existing medical conditions: If you’re diagnosed with or have symptoms of a health condition before you book your trip, you have what’s known as a pre-existing condition . A standard travel insurance policy won’t cover any expenses arising from this type of condition. However, you may be able to purchase a pre-existing condition waiver.
• Foreseeable events: Travel insurance doesn’t cover events that a reasonable person could have predicted.
• Bad weather: You may not want to sit on the beach while it’s raining, but bad weather isn’t covered unless it results in some type of unforeseeable event.
• Normal pregnancy: If you get pregnant after you purchase your travel insurance policy, your travel insurance won’t cover routine pregnancy expenses . However, it may cover medical expenses arising from an unforeseen pregnancy complication.
• Illegal activities: Travel insurance doesn’t cover expenses arising from illegal drug use or other criminal activities.

Based on our research, the cheapest travel insurance for Bali costs just under $1 per day for basic coverage. Alternatively, we found that a more comprehensive policy will cost around $7 to $11 per day.

To help give you a better idea of how much travel insurance costs for Bali, used our online comparison tool to get quotes from different providers.

We applied this information to our quotes:

• Age: 35 years old
• Destination: Indonesia
• Trip Length: 7 days
• Trip cost: $2,000

The table below shows quotes for basic travel insurance from four different providers. These plans range from less than $1 per day to $6 per day .

Example Where Plan Doesn’t Reimburse the Full Trip Cost

The next table shows quotes from the same four providers. However, these plans are more comprehensive. They include trip cancellation and trip interruption coverage. We found these plans cost between $7 and $11 per day .

Example Where Plan Does Reimburse the Full Trip Cost

Keep in mind that several factors affect the cost of Bali travel insurance, including:

• The total cost of your trip
• The duration of your trip
• What type of coverage you buy

To get the best travel insurance for your needs, consider the following factors:

Transportation method.

If you plan to stay at a resort all week, you may not need to pay for rental car coverage. However, you may need extra insurance if your trip includes multiple common carriers.

Travel preferences.

If you love to climb mountains, explore caves and hike difficult trails, you’ll probably need more insurance than someone who plans to lounge on the beach for their entire vacation.

Date of purchase.

Travel insurance typically costs more if you wait until the last minute to purchase it. To save money, consider purchasing a policy as soon as you finalize your plans.

Is travel insurance mandatory for Indonesia in 2024?

No. You’re not required to purchase travel insurance before you travel to Indonesia.

What documents are required for Bali travel?

To travel to Bali and other parts of Indonesia, you must have a valid U.S. passport and a visa.

Does Bali require COVID insurance?

No. Bali ended the last of its COVID-related restrictions in mid-2023. However, it is still a good idea to make sure you purchase  travel insurance with covid coverage .

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last 5 years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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Bali Holiday Secrets

Best Travel Insurance for Bali

updated October 8, 2022, 5:32 pm 35k Views 2 Comments

I’ve been travelling almost constantly for over 30 years, and if there is one thing I am grateful for it’s comprehensive travel insurance. I’ve used several different companies and a range of policies and the best travel insurance for Bali , in my experience, is Global Nomads. I’ve used their policies for the past 5 years and after making several stress-free claims I’m convinced it’s the best policy on the market.

Is travel insurance worth it?

There’s a saying “if you can’t afford travel insurance then you can’t afford to travel”. It’s true. I’ve had friends and fellow travellers regale me with stories of thinking medical treatment is cheap, especially in a place like Bali, when they strike medical issues.

I can tell you from first-hand, hard-earned experience that travelling without insurance is like playing Russian Roulette. You probably won’t need it , but if something goes wrong having it means being able to access the insurer’s global network of expert assistance and health providers 24 hours a day.

Buy travel insurance online.

There are many insurance policies you can buy online, but to my knowledge Global Nomads is one of the only (if not the only) company where I can buy online even when travelling while away from my home country.

Most insurance providers will only allow purchasing a policy from within your home country , which isn’t much use when your travel plans change or you are travelling for an extended period of time.

You can complete any claims simply and easily online from wherever you are and Global Nomads policies are available to people from over 130 countries. It’s designed for travellers with cover for overseas medical, evacuation, baggage and more.

Buy coverage for only the countries you are travelling to.

One of the best features is being able to buy coverage for the specific countries you are travelling to. This is a huge feature as the premiums will change significantly if you apply for a select set of countries, as opposed to buying blanket coverage, which by definition will be more expensive.

Flexible coverage for changes on the go.

One of the other features I really like is the ability to update my policy while on the go to account for a change in itinerary and include more countries should my travel aspirations get bigger – which they often do 🙂

Insure for adventure activities.

From skiing & snowboarding in New Zealand to whitewater rafting in Colorado, WorldNomads.com covers a range of adventure activities, giving you peace of mind to get the most from your travels.

Get an instant quote.

Another thing about travel insurance for Bali or elsewhere is that Global Nomads only needs your intended list of countries, home country, travel dates and age. That’s it. Use this quote form to generate an instant quote for your holiday.

Cheaper than airlines.

You will most likely have seen the checkbox while booking airfares with your airline selling travel insurance. This is a great earner for the airlines, and by definition is more expensive than buying directly because they make a margin on the sale of your policy.

© 2024 Bali Holiday Secrets. Hosted with Cloudways .

Best Travel Insurance for Indonesia – Price & Requirements

Home | Travel | Asia | Indonesia | Best Travel Insurance for Indonesia – Price & Requirements

Purchasing travel insurance for Indonesia should be at the top of your list of things to do before you travel. Baggage delays, flight cancellations, and illnesses are actually fairly common occurrences while traveling, so it’s smart to be prepared by having Indonesian travel insurance .

Best Travel Insurance for Indonesia – Price & Requirements

Personally, we use Heymondo insurance for all of our trips. They’ve provided our travel insurance coverage for years, and we’ve had nothing but great experiences with their team. (You can read our review of Heymondo to find out more.) Best of all, you can even get a discount on their insurance just for being a Capture the Atlas reader.

5% OFF your travel insurance

Of course, there are plenty of other great Indonesia travel insurance plans , which I’ll cover below. Most importantly, all the plans I’ll talk about are travel insurance plans with COVID-19 coverage . This guide to the best travel insurance for Indonesia contains everything you need to know, including:

Is travel insurance mandatory for Indonesia?

Indonesia travel insurance cost

• Best travel insurance for Indonesia

Do I need travel insurance for Indonesia?

Ready to learn more about Indonesia travel insurance ? Just keep reading !

Having travel insurance for Indonesia is not currently a requirement to enter the country. However, just because Indonesian travel insurance isn’t mandatory doesn’t mean purchasing some isn’t a good idea.

In fact, buying Indonesia travel insurance ensures that you’ll have coverage if you fall ill, miss a flight, lose your luggage, and more. Having travel health insurance coverage is especially important, since receiving medical treatment in Indonesia without insurance can leave you with a hefty bill to pay out of pocket (I learned this from personal experience, as you’ll find out). That’s why, ultimately, travel insurance is worth having .

Your age, nationality, and the length and cost of your trip will all affect the price of your Indonesian travel insurance . As such, if you’re interested in getting cheap travel insurance , taking a shorter trip and spending less on trip costs will save you some money.

To give you an idea of how much Indonesia travel insurance costs, I’ve used the example of a 30-year-old American from Pennsylvania who is traveling to Indonesia for a week and whose trip costs $2,500 to generate quotes from four companies.

*price used for example

As you can see from the chart above, Heymondo is the best overall option for travel insurance to Indonesia . On the other hand, if you want to save money or just need travel health insurance, SafetyWing is another fantastic choice. Of course, all four of these Indonesian travel insurance plans have their merits, so you can’t go wrong with any of them .

1. Heymondo , the best Indonesia travel insurance

Heymondo has emerged as one of the best travel insurance companies for good reason. Their travel insurance for Indonesia boasts the best travel- and medical-related coverage of all the plans I compared. Moreover, even with this high amount of coverage across all categories, the Top plan is still extremely affordable.

Best of all, you’ll never have to file a claim to get reimbursed for medical expenses. Instead, the Heymondo team will arrange payments directly with the medical center, so you won’t have to pay anything out of pocket. On top of that, the Top plan’s $0 deductible means 100% of your medical costs will be covered by Heymondo.

If you’d prefer to save a little money or just want travel health insurance for Indonesia , SafetyWing is your best bet. Otherwise, Heymondo is by far the best overall option for Indonesia travel insurance .

We have used Heymondo for years and they always provide the best customer service. You can get a discount for one of their policies just for being our reader.

2. SafetyWing , a great travel health insurance for Indonesia

If you’re looking for travel medical insurance for Indonesia , there’s no better option than SafetyWing . Not only will you benefit from an extremely affordable plan with top medical coverage, but you’ll also enjoy worldwide coverage.

Even better, if you decide to keep traveling, you can easily extend your plan and choose to have it automatically renew every month while you’re abroad. You’ll also have some limited travel-related coverage, including trip interruption and travel delay coverage, but the coverage won’t be as comprehensive as it is with an Indonesian travel insurance plan like Heymondo ’s.

Additionally, SafetyWing’s Nomad Insurance plan has a $250 deductible for medical expenses. This means you’ll have to pay $250 toward any medical bills you incur before SafetyWing covers the remaining balance. As such, it may be worth paying a little more upfront for Indonesian travel insurance so you can have a $0 deductible.

3. World Nomads , a top Indonesian travel insurance for adventurers

While World Nomads ’ Standard plan offers solid Indonesian travel insurance coverage, its main appeal is its adventure activities and sports coverage. If you’re planning on having an active trip filled with diving, surfing, and more, this travel insurance to Indonesia is a must-buy.

The Standard plan also provides good coverage in all medical- and travel-related coverage categories. It even offers a $0 deductible for medical expenses. However, you can get higher amounts of coverage in all categories for a lower price with Heymondo .

Because of this, I only recommend purchasing World Nomads’ travel insurance for Indonesia if you know you’ll be doing lots of sports and activities.

4. IMG , a reliable travel insurance to enter Indonesia

IMG is a travel insurance company that many travelers trust for everything from Cancel for Any Reason travel insurance and travel insurance for pre-existing conditions to trip cancellation insurance . As you might expect, their travel insurance for Indonesia is just as reliable as their other plans and provides a more-than-sufficient amount of coverage in all categories.

The $0 deductible for medical expenses is also a plus. Still, the IMG iTravelInsured SE plan is the most expensive of all the plans I compared, so it’s not the best choice for travelers who are trying to save money. However, the good news is that you can get even a higher amount of coverage for a lower price with Heymondo .

Indonesia travel insurance requirements

If you’re planning to purchase travel insurance for Indonesia , there are a few types of coverage your plan should include.

Emergency medical expense coverage is the most important type of coverage for any insurance plan. Of course, no one wants to get injured or fall ill while they’re traveling, but that doesn’t mean it can’t happen. Similarly, having COVID-19 coverage is key since quarantine meal and accommodation costs can add up quickly.

You should also ensure that you have evacuation and repatriation coverage. That way, your transportation fees will be covered if you need to be sent back to your home country for medical treatment or for political reasons.

Trip cancellation, trip interruption, trip delay, and baggage coverage are less crucial insurance features overall. Still, if they’re important to you, look for Indonesian travel insurance with a high amount of travel-related coverage .

As I’ve already mentioned, there’s no entry requirement to have travel insurance for Indonesia . Even so, it’s always a good idea to have travel insurance – I know from firsthand experience!

I was on a 7-day trip to Bali and visited the Sacred Monkey Forest in Ubud. There, I let one of the monkeys climb on me, and unfortunately, it bit me! Luckily, I had travel insurance for Bali , so all of my medical bills were covered. Otherwise, my medical treatment would have cost me a pretty penny.

Now, I’m not saying that you’ll also get bitten by a monkey when you visit Indonesia (I really hope not!), but my story is a great reminder that unexpected things can happen anytime while you’re traveling. That’s why it’s safest (and smartest for your wallet!) to purchase Indonesia travel insurance .

Heymondo is the best choice for most travelers since it’s affordable and offers fantastic travel- and medical-related coverage.

Another excellent option, particularly if you just need medical coverage, is SafetyWing . Either way, as long as medical expenses, COVID-19, and repatriation are covered by your Indonesian travel insurance , you’ll be all set for an amazing trip.

Ascen Aynat

4 replies on “ Best Travel Insurance for Indonesia – Price & Requirements ”

Hi , I’m Indonesia citizen but now I follow my husband traveling for a while. So I’m looking for insurance for medical and travel included. The question is do u HV insurance who can cover medical and travel for Asia ,thx u

Yes, You can get the Heymondo insurance if you’re Indonesian and it will cover medical and travel expenses while you’re traveling abroad.

I’m Shernell Marie Horne and would like to go over my travel insurance to Spain with you. However; have just one more stop to make before of going back to the United States. I would like to add another country plus get an extension on my insurance going to Jerusalem looking moore over there for my families.!

Hi Shernell,

We’re not an insurance company but a travel blog comparing different options. Please make sure you select global coverage when booking your insurance so you make sure you’re covered in Spain and Jerusalem.

Let me know if you have any questions, Ascen

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Travel Insurance for Bali (2024)

Protect your vacation to Bali with a travel insurance plan that covers unexpected medical and cancellation expenses

in under 2 minutes

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Sabrina Lopez is an editor with over six years of experience writing and editing digital content with a particular focus on home services, home products and personal finance. When she is not working on articles to help consumers make informed decisions, Sabrina enjoys creative writing and spending time with her family and their two parrots.

When planning a trip to Indonesia for beaches, adventure sports and Balinese cultural excursions, it’s wise to have a safety net for peace of mind. Travel insurance can help protect your investment in case of the unexpected.

When you find the right travel insurance plan for you, you can relax knowing you’ll receive reimbursement for some or all of your prepaid trip costs. Below, we at the Marketwatch Guides Team discuss the best travel insurance for Bali vacations, including the costs involved and specific requirements.

How Much Does Bali Travel Insurance Cost?

The cost of travel insurance largely depends on your personal preferences and age. Other factors to consider include pre-existing medical conditions for appropriate medical insurance. Plan options may consist of useful single-trip and annual multi-trip policies.

For a Bali travel insurance quote, you’ll need to provide the below information on insurance provider sites:

• Number of travelers and ages of each traveler
• Destination country and location
• Home country and location
• Total trip price

For cheap travel insurance options , we requested quotes from five top insurance providers to give you an idea of costs. The quotes below are for a 40-year-old traveler from California traveling to Bali from Sept. 1 to Sept. 14. With accommodation and flights, the total trip cost is $4,000.

The quotes listed to determine the cost of travel insurance were collected from each company’s website in May 2023. In general, standard plans for international travel insurance to Bali include coverage for trip cancellation and interruption, emergency medical and transportation and baggage loss or delay.

Compare The Best Bali Travel Insurance Companies

Use the table below to compare CFAR coverage, average costs and COVID-19 coverage of our top recommended travel insurance companies for a trip to Bali:

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for Bali?

It’s not mandatory to buy travel insurance for a vacation in Bali. However, whether you’re traveling to Indonesia for business or pleasure, comprehensive travel insurance is recommended. If you require medical care in Bali, up-front costs can be expensive without medical coverage. In the case of trip interruptions or trip cancellations, insurance helps protect you from financial loss.

From exploring rice fields in Ubud to riding a scooter around Denpasar and rafting the Agung River, adventure activities are popular in Bali. A travel insurance policy with coverage for unexpected injuries is a good idea if you intend to participate.

Cancel for Any Reason Coverage (CFAR)

Travel insurance companies offer cancellation coverage with standard policies. However, you’re limited with regard to your reasons for canceling. Typically, they include the death of a family member, hospitalization or similar medical emergencies.

Cancel for any reason coverage , otherwise known as CFAR, is a policy upgrade that allows you to remain flexible and cancel travel plans at your discretion. For example, in the case of the pandemic and different requirements for COVID-19 coverage, CFAR allowed for a wide range of changing circumstances.

It’s important to note that CFAR is subject to disclaimers and restrictions. For example, to reimburse a trip cost, you may need to cancel within 48 or 72 hours of a departure or travel delay.

Gear Theft Protection

Whether you’re surfing in Kuta or scuba diving on a boat trip from Seminyak, gear theft protection is useful when you’re taking equipment with you. This may include valuables such as:

• Professional cameras
• Surfboards or snorkeling and scuba diving gear

Travel insurance coverage helps with the financial loss of items that are damaged, stolen or lost by airlines and tour operators. Generally, your insurance provider reimburses costs up to a predetermined limit. Check if exclusions apply and leave valuable items in your home country if they’re not fully covered.

Medical Emergency Insurance and Emergency Medical Evacuation

The health care system in Bali accommodates tourists with international standards of health care at hospitals and medical treatment centers. Typical health concerns in Bali range from an upset stomach due to new foods to accidents on motorbikes. Therefore, it’s important to have insurance to cover unexpected medical costs.

In the unfortunate case of accidents and illness, travel insurance for medical emergencies generally includes the following:

• Hospital fees, such as operating room charges
• Emergency dental work

Most health insurance plans include emergency medical evacuation and repatriation if local medical care isn’t available or you need to fly back to your home country. If you’re doing adventure sports or riding scooters, check if your plan covers associated accidents.

Rental Car Protection

To rent a car in Bali, you need an International Drivers Permit and a valid license from your home country. It’s important to get a rental vehicle from a trusted company to ensure third-party insurance is included. Optional coverage is recommended to limit your liabilities while driving around the island.

Coverage may vary depending on the insurance provider. As a general rule, the following is offered by rental car companies:

• Collision damage waiver
• Windshield protection
• Roadside assistance
• Theft protection

Most Bali travel insurance plans include rental vehicle excess cover on top of insurance from car rental companies. This helps reimburse the costs of excess paid for stolen or damaged cars.

Trip Cancellation Insurance

If you cancel your Bali vacation before departure, standard travel insurance policies cover trip cancellations for a limited number of reasons. Typically, known and ongoing natural disasters, such as volcanic eruptions, are not covered.

Choose CFAR coverage to remain flexible for changing travel plans. As a general rule, accepted reasons for trip cancellations include:

• Death of family members
• Hospitalization or serious illness
• Severe weather conditions preventing departure
• Jury or military duty

How Do I Get Travel Insurance for Bali?

When planning a trip to Bali, find out if your credit card or current health insurance provider offers travel insurance. If so, check the policies to ensure appropriate coverage for the type of vacation you’re expecting. It’s also possible to purchase Bali travel insurance directly through your airline.

Otherwise, the best advice is to shop around and compare prices between providers. Choose the best travel insurance to suit your personal needs.

Bali Safety Tips

Below are general travel and safety tips to help you enjoy peace of mind during your Bali vacation.

Crime and Safety

According to the U.S. Department of State , the Indonesian Travel Advisory is at Level 2: Exercise Increased Caution. However, Bali isn’t mentioned in areas of increased crime risk or terrorist activities.

Petty crimes, such as pickpocketing and drink spiking, may occur in Bali. It’s advised to stay alert in crowded areas, nightclubs and bars. Indonesia is also susceptible to natural disasters such as volcano eruptions, tsunamis and floods.

Day Trips, Tours and Excursions

From scuba diving to hiking and island-hopping, Bali offers a range of exciting tours and day trips. Travel insurance helps protect you financially during accidents and travel plan changes.

Always ensure tours are booked with reputable organizations. Seek advice from travel agents and hotel concierges. Visit the official website of the Ministry of Tourism , Republic of Indonesia for travel advice.

According to the Indonesian Embassy as of May 2023, all travelers over 18 must show a physical or digital vaccination certificate for the second dose of a COVID-19 vaccine. On arrival, travelers must comply with Indonesian health protocols which may include a temperature check or PCR test.

Is Travel Insurance for Bali Worth It?

Though travel insurance isn’t mandatory for visiting Bali, it’s recommended to protect against financial loss due to cancellation, and to cover unexpected medical emergencies.

To decide if travel insurance is worth it , take into account pre-existing medical conditions and the activities you’re likely to do on vacation. Even if you’re not riding scooters or doing adventure sports, accidents can occur. We recommend getting quotes from at least three providers to find the best deal for your travel insurance plan.

Frequently Asked Questions About Travel Insurance in Bali

Can i claim flight compensation.

Travel insurance with trip cancellation or interruption ensures that you can claim compensation for a delayed or canceled fight . Otherwise, compensation is at the discretion of airlines and may not be applicable in many circumstances.

Is travel insurance necessary for Bali?

It’s not mandatory to buy travel insurance for a Bali vacation. However, it’s recommended to get comprehensive travel insurance before you leave to cover unexpected medical costs. Otherwise, medical care may result in paying thousands of dollars up-front.

What documents are required for Bali travel?

According to the U.S Department of State, travelers to Bali require a passport valid for six months with at least two blank pages. You’ll buy a visa on arrival for approximately $35.

Travelers over the age of 18 must show proof of two doses of COVID-19 vaccination.

How much does travel insurance typically cost?

Travel insurance rates vary depending on the plan purchased, the destination and your age. As a general estimate, basic plans start from about $100 and can be as high as $500 for premium international travel insurance.

How We Rated Travel Insurance Companies for Bali

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

More Travel Insurance Resources

Top Travel Insurances For Indonesia You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Indonesia is a huge and bustling country that's famous among visitors and expats for its diverse landscapes (including tropical forests and stunning beaches) and fun cultural experiences, including visiting to the famous Borobudur Temple and the resorts of Bali. Although travelling to Indonesia can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Indonesia and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Indonesia Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Indonesia:

Best Travel Insurances for Indonesia

• 01. Do I need travel insurance for Indonesia? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Indonesia scroll down

Heading to Indonesia soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Is Travel Insurance Mandatory in Indonesia?

No, there's currently no legal requirement to take out travel insurance for travel to or through Indonesia.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Indonesia or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Indonesia:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Indonesia, no matter whether you're planning to recline on a sunny Bali beachfront or explore the concrete jungles of Jakarta.

VisitorsCoverage lets you choose between various plans tailored to meet the specific needs of your trip to Indonesia, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Indonesia:

• Policy Names: Varies
• Medical Coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip Coverage: Excellent - but only available for US residents.
• Customer Support: FAQ, live chat and phone support
• Pricing Range: USD 25 to USD 150 /traveller /month
• Insurance Underwriter: Lloyd's, Petersen, and others
• Best For: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option for Indonesia, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy Names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical Coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip Coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer Support: FAQ, live chat, phone support
• Pricing Range: USD 80 to USD 420 /traveller /month
• Insurance Underwriter: David Shield Insurance Company Ltd.
• Best For: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads in Indonesia because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy Names: Nomad Insurance, Remote Health
• Medical Coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip Coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing Range: USD 45 to USD 160 /traveller /month
• Insurance Underwriter: Tokyo Marine HCC
• Best For: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Indonesia? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Indonesia

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Indonesia. However, we strongly encourage you to do so anyway, because the cost of healthcare in Indonesia can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Medical Insurance

Medical travel insurance & global health coverage, medical travel insurance or global health coverage, if you are traveling to bali for holidays or going for a few months on a staycation on workation, in most cases a medical travel insurance is sufficient. if you are living in bali more permanently and live a life as a remote worker or digital nomad, a global health insurance is the way to go, which would also cover you in your “home country”., get your medical travel insurance, need a reputable global medical insurance (including covid coverage) for your bali holiday, if you don’t have already a medical travel insurance, it’s advisable to sign up for one in your home country or you can click on following link and check out the packages of our partner safetywings:, sign-up online starting for only usd45 for 4 weeks (can be longer), global health insurance for digital nomads and remote workers.

When you are not just coming to Bali for a holiday or even for a “workation” for a few months, but intent to stay longer and do not have a medical insurance in your home country, then a Global Health Insurance is highly advisable.  Not having any health insurance can quickly end up in a disaster, because hospitals and doctors in Bali will not treat you, if you are not insured or can pay for your bills yourself.

Travel Insurance for holiday makers is important

If you pay for your plane ticket with a certain credit card, you may be eligible for subsidized or even free travel insurance. In some cases, your health insurance policy at home, may cover medical treatments if anything happens to you in another country while traveling.

These policies often only apply to medical treatment received in a country other than the policyholder’s home country, and they typically impose limitations on the types of services and procedures that are covered. Coverage may end after a 30- or 60-day stay. It is crucial that you read the fine print of your travel insurance and understand exactly how it works in case of an emergency.

If you don’t have a medical travel insurance, we highly recommend you get one. Decent treatment can be very expensive in Bali and if you don’t pay or have an insurance if something happens to you, you will not get the treatment that you need.

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Unfortunately my flight to Bali was cancelled by the airline the night before I was to depart, and I couldn’t get on another flight until 3 days later. This put me out of pocket for the accommodation that I had booked, totalling around $1,500 for those 3 nights. After I arrived back from my trip, I lodged a claim with Allianz who reimbursed me for those prepaid expenses (less a $300 excess). The claims process was super straightforward. I filled out an online form, uploaded my documentation like tax invoices and the cancellation email. Within 4 days, Allianz had approved my claim and I received the funds a week later. It was the best outcome from a bad situation.

Why do I need travel insurance in Bali?

• It can cover you for emergency medical treatment.
• It can cover medical expenses caused by injuries and accidents, unless it's from an excluded activity.
• It can pay for transport to hospital by helicopter or ambulance, as well as medical evacuations back to Australia.
• If you're renting a car in Bali, make sure you have car rental excess cover.
• Pickpocketing can occur in Bali. Travel insurance can cover you for lost or stolen valuables. This could include rings, necklaces, phones and watches.
• Bali is home to active volcanoes. Travel insurance can cover travel disruptions caused by natural disasters.
• Terrorism is a risk in Bali. A few insurers provide cover for medical and hospital expenses caused by an act of terrorism, including the cost of bringing you back home.

Looking for the best travel insurance for Bali? Check out our award winners in 2023

Tick travel insurance has ranked first place for customer satisfaction in 2023 .

This survey was conducted by Dynata, where 95% of respondents said they would recommend Tick to a friend, and it scored the highest in the 'value for money' category.

Southern Cross Travel Insurance has taken the top position in the 'Travel insurance - Comprehensive' category for the 2023 Finder Awards . Why? It's got to do with its wide COVID-19 coverage and how it handles cancellations due to unexpected events.

Adding to that, its average pricing was pretty affordable compared to other brands who offer less coverage for a higher price.

Fast Cover is the winner of the 2023 Finder Awards for the 'Travel insurance - Value' category. How? We compared the average prices of 28 international travel insurance policies, and Fast Cover came out on top.

But what does ' value' mean? It means we looked at more than just price. Fast Cover doesn't include everything on its policies, but it offers good value.

InsureandGo has taken the top place for the 'Travel insurance - Domestic' category in the 2023 Finder Awards .

Why? We analysed 23 domestic policies and found that InsureandGo were generous with their benefit limits for things like cancellation and rental car excess insurance.

Southern Cross Travel Insurance is the winner of the 'Travel insurance - Seniors' category in the 2023 Finder Awards . Why? It has higher age limits and generous benefits.

We also appreciated SCTI's easy-to-read product disclosure statement. This means that customers can easily understand their policies, and travel with confidence.

Fast Cover Travel Insurance's COVID-19 Benefits & Refund Policy earned it a place among the finalists in the Insurance Innovation category of this year's Finder Innovation Awards .

It goes further than many other insurers, covering COVID medical expenses and evacuation, up to $5,000 for COVID-related cancellations and additional expenses.

Bali travel insurance: Common exclusions

Every travel insurance policy has things you won't be covered for. Common exclusions include:

• If you purchase cover after the incident has occurred. For example, if you take cover out after you've been injured and need medical attention.
• Pre-existing medical conditions. If you have any major medical conditions, make sure you let your insurer know before taking out a policy. Otherwise you won't be covered for claims related to that condition.
• You travel despite government travel advice. For example, if you travel to areas that have a warning from Smartraveller, such as the provinces of Papua (Papua), Papua Highlands (Papua Pegunungan), Central Papua (Papua Tengah) and South Papua (Papua Selatan), travel insurance may not cover you.
• Incidents that occur while you're under the influence of drugs or alcohol. For example, if you go out drinking in Seminyak, get injured and need medical attention, travel insurance won't cover you.
• Driving vehicles without a licence. Like Australia, you won't be covered for medical costs or personal liability expenses if you drive without a licence in Bali.

What add-ons should I look for?

• If you have plans to zoom around Bali on a scooter or motorbike, make sure to have the right license, and the right policy.
• Bali is a surfers' paradise. Protect yourself from accidents while on your board, and from whatever is underneath your board.
• Taking a dive into deeper waters? Some policies can cover you if you're diving between 10-30m below the surface, but you'll need extra cover if you're going deeper.

Will I be covered for COVID-19?

Travel insurance can cover you for COVID-19 in Bali. A policy can cover you for the following:

• Rearrangement costs if you catch the virus and need to change your plans. Lots of comprehensive travel insurance policies let you claim up to $5,000 towards these expenses.
• Medical costs due to COVID-19. This can include hospital expenses and RATs if you catch COVID-19 while overseas (but you won't be covered for mandatory PCRs).
• Expenses if you need to isolate. For example, if you catch COVID while you're overseas and need to push back your flight and stay in your accommodation longer.

How do I get cheap travel insurance for Bali?

• Medical only or basic policies will generally be the cheaper policies on the market.
• Use exclusive deals or promo codes to get a discount.
• Opt for a higher excess. This will make your policy cheaper but more expensive if you have to claim.
• Compare across a handful of travel insurers – they're not all the same.
• Get the most value by buying your policy early. It means you're covered for longer while paying the same price.

When I travel, I don't want to fork out a lot for travel insurance. I always get something above the bare minimum though which usually only covers medical-only expenses. Flight disruptions and delayed luggage are really common, so look for a cheap policy that covers me for these things.

Gary Ross Hunter Finder's travel insurance senior writer

What do I do in emergencies?

For emergencies: call 112 (police), 112 (ambulance) or 112 (fire).

In a medical emergency, call for help and then contact your insurer on their emergency assistance line.

Civil unrest, security risks, threat of terrorist attack and crime are a concern in Bali, but you should still be eligible for travel insurance. It won't cover all of these situations but it can help cover medical costs, stolen belongings and much much more.

Meet our travel expert Angus Kidman

Angus Kidman is the international editor-at-large at Finder. He's an award-winning journalist, avid travel enthusiast and passionate frequent flyer. Angus appears regularly on Sunrise, Today, The Project, Seven News and other TV and radio shows to share his expert tips.

Angus's top Bali travel insurance tips

• Planning to surf in Bali? Check that your policy covers both injuries and damage to your board - many don't.
• Take out insurance as soon as you book your trip - that maximises the value of your cover.
• Bintang beware: travel insurance likely won't cover your for inuries that occur while you're drunk.

Why you can trust Finder's travel insurance experts

We're experts

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Faqs about bali.

If you're adventurous with street food or forget to avoid drinking drink tap water, you run the risk of getting "Bali belly": make sure you have emergency medical expenses in your travel insurance plan.

Is the water safe to drink?

Water in Bali isn't safe to drink unless it's boiled so it's worth following these tips when you travel:

• Only consume tap water if it's been boiled – for example, drinking tea or coffee.
• Don't brush your teeth with the tap water.
• Ask for no ice in your drinks, just in case it's not been made with boiled water.

Do you need vaccinations for Bali?

Before travelling to Bali all travellers should make sure routine vaccinations are up to date and speak to a doctor about other travel vaccinations.

Smartraveller.gov.au and a doctor can advise the risks of any other diseases/viruses, which can include:

• Hepatitis A
• Hepatitis B
• Japanese encephalitis
• Dengue fever

While protection from malaria doesn't require a vaccination and the disease isn't prominent in Bali, some mosquitoes may still carry malaria. Nearby islands do have a higher risk of malaria, so if you're travelling beyond Bali you should take precautions.

Speak to a doctor at least eight weeks before your departure to find out what vaccines you will need, and always protect yourself from mosquitoes.

Remember, if you do not get the recommended vaccines and fall ill while abroad your travel insurance may not cover you, which could leave you with high medical bills.

Which travel insurance is good for Bali?

The cheapest policy will usually only cover you for medical expenses. However, flight disruptions and petty crime are fairly common in Bali so it may be worth getting comprehensive travel insurance. This can cover you for medical expenses, trip rearrangement costs, theft, luggage delay and more.

Do you need travel insurance to go to Bali?

The Australian government's smartraveller site recommends that you take out cover when travelling to Bali. If you can't afford travel insurance, you can't afford to travel.

Which travel insurance company has COVID cover for Bali?

Lots of travel insurers cover COVID-related expenses now. You can find a full table of the policies that cover COVID expenses on our homepage .

Is it safe to travel to Bali?

The Australian government smartraveller website says to exercise a high degree of caution in Bali. You should still be able to get travel insurance for Bali but make sure you do some research before you travel. There may be certain areas of the country that are not safe.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).

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10 Responses

I am a 74 year old Pensioner, who spends nearly 6 months of the year in Bali. I have mild Oestesporosis and mild Enphysemia and just need the basic insurance to get me back to Australia if anything were to happen to me in Bali. How much would I be approximately? Would it be cheaper t purchase per the 60 day holiday or to purchase for a year?

Hi Richard,

Based on your situation, a seniors travel insurance might be a good option to consider. It offers benefits such as cover for pre-existing medical conditions and accidents overseas.

The exact cover and premium you’ll pay will vary between providers. Read our guide on Seniors Travel Insurance ( https://www.finder.com.au/travel-insurance/seniors-travel-insurance ) for more information.

When you’re ready, you can get a quote from the providers listed in the guide. Click the green ‘Get Quote’ button to get started.

Before applying, always read a policy’s Product Disclosure Statement (PDS) so that you’re aware of what you’re covered for, along with and exclusions or restrictions.

I hope this helps,

Regards, James

Hi With the volcano issues in Bali, what would be the best cover to get in relation to missed flights, missed work, more accommodation? Assuming you are in Bali when it happens? Thanks

Thanks for your question. It is always advisable to get cover before you leave. As there is no current eruption, there are no moratoriums on the cover.

There is no best cover, as cover needs vary from person to person. To compare your travel insurance options from the brands in our panel, enter your travel details into the form. Once you have done so, you will be able to view the various brands on offer, their cost and levels of cover.

I hope this was helpful, Richard

Does being licenced to ride a motorcycle include L’s?

Hi Gabriella,

Thanks for your question. Generally it means you have to have an unrestricted licence.

I hope this helps, Richard

My wife and daughter are travelling to Bali in June for 9days, obviously they need travel insurance but they would also like cover for riding scooters are you able to give me a quote

Thanks for your question.

If you would like to review how the insurers in our panel treat motorcycle use while traveling, please have a look at motorcycle travel insurance . Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

I have travel insurance with Priceline and was wondering if I am covered if the government puts out a travel warning for Bali where I am travelling to.

Thanks for your question. Unfortunately, finder.com.au is a comparison service. I contacted Priceline and who said at this point in time, they do not have any specific instructions for people travelling to Bali. If you are after specific information in regards to travel warnings, please refer to the General Exclusion section in the PDS. I would be worth pointing out that travel warnings do change, so keep an eye on this be taking advantage of services such as Smartraveller.

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Where are you going?

Enter the destination(s) you plan to visit or select them from the list of countries and regions in the dropdown.

Planning a stopover? If you’re in a country for less than 72 hours, you do not need to list it as a destination.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region, or you can select “Anywhere in the world”. Important: If selecting “Anywhere in the world”, your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with the “ Standing Travel Alert for High Risk and Sanctioned Countries ” when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? If your cruise is in inland Australia (e.g. on the Murray River) or in Australian coastal water (e.g. the Kimberley), enter or select “Australia”. If your cruise embarks and disembarks from Australia ports only without any stopover at a port outside of Australia (e.g. a “Sampler Cruise” or cruise from Sydney to Brisbane), enter or select “Domestic Cruise”. If your cruise is overseas (e.g. a European river cruise, a Caribbean cruise, or a cruise from Sydney to Hong Kong), enter or select the country or region you will spend the most time in during your trip.

Want to come to Australia on our Inbound Plan? Select “Australia Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

Enter the date you will arrive home based on AEST (considering any time differences/zones and travel times).

Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

Travel Insurance for Bali Holidays

Source: Getty

Get holiday insurance for Bali and Indonesia’s surrounding islands

Australian travellers love Bali – and for good reason. From stunning temples and striking beaches to Ubud’s much-loved Monkey Forest and relaxing yoga retreats, the Indonesian island has something incredible for almost all holidaymakers.

If you’re planning a trip to Indonesia, it’s important to consider purchasing travel insurance for Bali before you leave home. The right travel insurance can help protect you financially should the unthinkable happen – such as having your mobile phone snatched from your hands by a passing moped rider or being struck down with a bout of Bali belly – so you’re not left with expensive bills to pay.

We want you to enjoy your holiday to Bali for all the right reasons, so keep reading to learn more about the importance of travel insurance for Bali trips.

Ready to get a quote? You can select our best travel insurance for your Bali trip online now.

Skip ahead to read:

Do I need travel insurance for Bali?

What is cover-more's best travel insurance for bali holidays.

• Am I covered if I ride a moped or motorcycle in Bali?
• Does Cover-More provide cover for sports and activities in Bali?

Does Cover-More travel insurance provide cover for terrorism?

• Are there any active Bali travel alerts?

How do I avoid getting ill in Bali?

• Can I cancel my Cover-More travel insurance policy?

Nothing will ruin your blissful Balinese escape faster than something going wrong. If the unexpected happens, holiday insurance for Bali could provide the protection you want and the support you need.

The right travel insurance policy can not only help provide cover for travel incidents such as lost or stolen luggage, travel delays, missed connections, cancellation costs and more, it can also provide much needed expert emergency assistance and financial support for overseas emergency medical expenses.

Not convinced? The Australian Government says comprehensive travel insurance is essential for international travel – and this includes holidays to nearby countries such as Indonesia.

To discover if our travel insurance is best for your trip to Bali, compare our plans here .

With over 30 years’ experience protecting Australian travellers visiting the Indonesian island of Bali, we know how to help protect you and your Balinese holiday.

The best Bali travel insurance policy is the one that best suits your needs. We offer three tiers of international travel insurance that can cover an overseas holiday in Bali – all you need to do is find the right one for you.

Our three Cover-More international plans:          

• Basic          If you’re on a budget and looking for cheap travel insurance for Bali that provides essential cover, consider this plan.         It includes unlimited~ overseas emergency medical expenses cover, luggage cover, and personal liability should something go wrong while you’re in Bali, as well as other essential benefits such as providing cover for 80+ sporting activities .         This plan is only available on Single Trip policies, so if you’re looking for base-level holiday insurance for Bali for a one-off trip, consider this.          
• Comprehensive          If you’re an Australian looking for Bali travel insurance that provides all the essentials of our Basic plan plus much more, consider whether this plan may suit your needs.         Beyond unlimited~ overseas emergency medical expenses and higher levels of luggage cover, this plan includes benefits many travellers want such as travel delay, rental vehicle insurance excess, hijacking, disability, and accidental death, plus our additional Cancellation Extensions (which includes cover for an act of terrorism) if you choose to include cancellation cover in your policy for an additional premium.         This plan is available on both Single Trip and Annual Multi-Trip policies.          
• Comprehensive+          If the best travel insurance for your Bali trip is a policy with all the bells and whistles, consider whether our most comprehensive plan may be for you.         It contains all the benefits of our Comprehensive Plan and more, plus some higher coverage amounts for your Bali holiday.         You can buy this plan on both Single Trip and Annual Multi-Trip policies.          

Want to compare our Cover-More International plans before you jet off to Bali? Visit our compare plans page or get a  free online quote  now.

Does Cover-More travel insurance cover moped or motorcycle riding in Bali?

One of the most popular ways to get around Bali is by hopping on a moped or motorcycle. Why? Travelling this way across the Indonesian island can be fun, efficient, and budget-friendly.

If you plan to scoot around Bali on a moped or motorcycle, it’s important to consider including adequate cover in your travel insurance policy.

Our international travel insurance plans don’t automatically cover moped or motorcycle riding – but you can include our Motorcycle/Moped Riding Cover in your policy on all plans if you meet the cover criteria for an additional premium.

We provide two levels of cover for riding moped or motorcycles during your Bali holiday:

• Motorcycle/Moped Riding Cover:  for engine capacity 250cc or less
• Motorcycle/Moped Riding+ Cover:  engine capacity unlimited (conditions apply)

Both levels of our Motorcycle/Moped Riding Cover can provide cover for you if you plan on driving or being a passenger, and you must include this optional cover in your policy for cover to apply.

For more information on our moped cover and how it may be suitable for your trip to Bali, visit our Motorcycle/Moped Riding Cover  page for more details. This includes several terms, conditions and exclusions that apply to our Motorcycle/Moped Riding Cover, which you must be aware of before purchasing our travel insurance. For full details on our conditions of coverage, see the PDS .

Does Cover-More travel insurance provide cover for sports and activities in Bali?

If you’re not planning on spending all your days in Bali snoozing under a beach umbrella, we can help.

All our travel insurance plans automatically provide cover for 80+ adventure and sporting activities .

If you buy a Cover-More policy for Bali, we’ll provide you with cover for:

• snorkelling
• scuba diving (under 30 metres) if you’re with a diving school or qualified instructor
• stand up paddle boarding
• bungee jumping
• parasailing (over water)

…and many, many more! See here for the full list of all 80+ automatically included activities .

Can’t find your favourite activity listed? For more extreme or adventurous activities, you may wish to include one of our two levels of Adventure Activities Cover in your policy. For details on what activities are covered by our Adventure Activities Cover and Adventure+ Activities Cover, please see the PDS .         Note: no cover is available if you are racing or competing in a professional capacity.

Ready to protect your adventure-filled trip to Bali with travel insurance? Get a quote online now .

Unfortunately, terrorist attacks can – and do – occur.

The Australian Government recommends you  exercise a high degree of caution  in Indonesia because of the threat of terrorist attacks, so it is important to consider this when researching the best travel insurance for your Bali trip.

It’s also important to pay attention to Bali travel alerts from your travel insurance provider before and during your trip should a terrorism incident occur in Indonesia.

All our Cover-More travel insurance plans provide cover for emergency overseas medical expenses and additional expenses if you are a victim of a terrorist attack.

If you are a Cover-More customer travelling on a Comprehensive or Comprehensive+ policy that includes cancellation cover, we can also provide financial support should you need to cancel your Bali holiday because of an act of terrorism.

For full details on how our Cover-More travel insurance can provide cover for acts of terrorism, please read the PDS .

Are there any active travel alerts for Bali?

Historically, important travel alerts have been issued for Bali because of acts of terrorism and volcanic events. Today, Bali travel alerts can be issued – or updated – at any time.

If you plan to travel to Indonesia and are thinking about buying a Cover-More travel insurance policy to protect your holiday, it’s important to stay up to date with our Bali travel alerts and claims advice.

Our Travel Alerts section houses all travel advice that may affect your travel plans or policy coverage. Please read the relevant Bali travel alerts prior to and during travel.

While you’re in Indonesia, it may also be helpful to monitor relevant media outlets and government websites for information on changes to local travel conditions that may affect your trip.

Concerned about Bali travel alerts? You can speak to our team on 1300 72 88 22 during Australian business hours.

If you are directly affected by an incident while you’re in Bali and need help, call our 24/7 Emergency Assistance team on +612 8907 5619.

Bali is home to delicious food and restaurants, and we want your memories of the local Balinese cuisine to be a trip highlight – not a lowlight.

Unfortunately, Bali belly (like travellers’ diarrhoea), is a relatively common travel sickness for Australians who visit Indonesia.

To help prevent Bali belly ruining your holiday, here’s what you need to know before you go:  How to avoid Bali belly

Want more helpful advice for your upcoming trip to Bali, Indonesia?

• Find out how to lower your risk of getting rabies in Indonesia here
• Discover what you need to know about methanol poisoning in Bali here
• Learn about malaria and how to avoid it here

We recommend you also talk to your GP or travel doctor before travelling to Bali or other Indonesian islands for information on what vaccinations are required or recommended. This will help limit your risk of suffering from avoidable health issues so you can focus on what matters – having fun.

Can I cancel my Cover-More travel insurance?

If you purchase Cover-More travel insurance for your trip to Bali and decide it’s no longer the best travel insurance policy for you, that’s OK.

All our Cover-More customers have access to a 21-day cooling-off period from the day of purchase. If you cancel your policy during this timeframe, you are entitled to a full refund of the premium you paid, provided you have not made a claim and have not departed on your journey.

For more information on the cooling-off period, call us on 1300 72 88 22.

Want us to protect your holiday to Indonesia?

Find our best travel insurance for your Bali trip today.

Material on this website is provided for informational purposes only. It is general information and discussion about medicine, health and related subjects may not apply to you as an individual and is not a substitute for your own doctor’s medical care or advice. The words and other content provided on this website, and in any linked materials, are not intended and should not be construed as medical advice. If the reader or any other person has a medical concern, they should consult with an appropriately licensed physician or other health care worker. Nothing contained on the website is intended to establish a physician-patient relationship, to replace the services of a trained physician or health care professional, or otherwise to be a substitute for professional medical advice, diagnosis, or treatment. The views and opinions expressed on this website have no relation to those of any academic, hospital, practice or other institution with which the authors are affiliated. They do not necessarily reflect the opinions of Cover-More Insurance Services Pty Ltd.  Never disregard medical advice or delay seeking medical care because of something you have read on or accessed through this website. If you think you may have a medical emergency, call your doctor or emergency services immediately.

~ Cover will not exceed 12 months from onset of the illness, condition, or injury.

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Travel Insurance

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• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

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• The cost of your trip – if you have to cancel, it’s important to know that you can get your money back
• The activities you’re likely to be doing – if you’re planning anything extreme, we can offer you extra cover with our  adventure and extreme sports policy
• How much medical coverage you have – no one wants to think about getting ill or having an accident abroad but, unfortunately, it does happen
• And don’t forget to check the  latest travel advice for Bali (Indonesia) from the FCDO

What’s covered with travel insurance to Bali?

As standard, our policies cover for over  50 sports and activities , so you can get up to more on your holiday. We also offer a range of benefits, some of which include:

• Medical expenses and hospital benefit
• Personal accident and liability
• Cancelling and cutting short your holiday
• Abandoning your trip
• Delayed departure
• Accommodation cover
• Personal belongings and baggage
• Personal money, passport and travel documents
• Legal expenses

To help you have the best holiday experience, we’ve put together some important information that we think you might want to know before your trip to Bali:

Surfing travel insurance for Bali

Whether it’s your first-time surfing or you’re an experienced surfer searching for the next big wave, you probably don’t want to spend too much time thinking about  travel insurance  for your trip to Bali.

Luckily for you, you’ve come to right place. Surfing is covered as standard under all our policies, and we make getting insurance as quick and simple as possible, so you can get on with planning your trip to Bali. Check out our  surfing travel insurance  page for more information and remember that, if you’re taking your own board away with you, you might need to add extra valuables cover to your policy.

Do I need a visa for Bali?

No. If you’re a British citizen with a valid passport, you’re allowed to visit Bali for up to 30 days without a visa. If you’re planning on going for longer than 30 days, then you’ll need to apply for a visa with the  Indonesian Embassy .

Healthcare in Bali

The healthcare facilities in Bali are in quite poor condition, and it’s often difficult to find services in remote areas that can tend to serious injuries or illnesses. Good medical care can be found in Bali; however, it can be very expensive.

It’s important to be aware that there’s a risk of volcanic ash pollution which can reduce the quality of the air. This could potentially have an effect on health, particularly for those who have pre-existing medical conditions. Find out more information about  volcanic health hazards for ash here .

It’s important to make sure you have adequate medical travel insurance in place before your trip, so you can rest assured knowing that you’re covered if anything were to happen. We would also recommend that you speak to your GP at least four to six weeks prior to travel, to check whether there are any vaccinations or other preventatives needed.

You can find more information about  healthcare in Bali here .

Can you help if I need medical treatment while in Bali?

Yes – all our policies come with access to our 24-hour emergency assistance team, so there will always be someone here to help you if you become ill or are injured while abroad.

If you need emergency medical assistance just give our team a call any time, day or night.

Before you buy  travel insurance  for your holiday to Bali, there are a few things to think about:

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

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Travel Insurance for Bali

Travelling to bali.

Bali is a popular overseas destination for Australians – it’s beautiful, close to home, and can be budget friendly. This island paradise caters for a variety of holiday styles. Choose your tempo – surf, sand and sun at Seminyak or unearth your inner bliss at a rainforest retreat in Ubud.

But as with every destination, there are risks when travelling in Bali. This is where a travel insurance policy may come in handy. Before you leave home, consider the benefits of Allianz Travel Insurance that is designed to cover you for overseas emergency assistance. See the Product Disclosure Statement (PDS) for all terms, conditions, exclusions, limits and applicable sub-limits that may apply.

Why choose us?

Thousands of satisfied customers, network of medical experts, emergency assistance available, we’re an established insurer, choose your plan.

Basic Travel Insurance

• Overseas Emergency Assistance 2
• Overseas Medical & Hospital Expenses 2
• Personal Liability 2

Comprehensive Travel Insurance

• Overseas emergency assistance, medical and hospital expenses 2
• Unexpected trip cancellation 2
• Loss of or damage to luggage and personal effects 2

Multi-Trip Travel Insurance

• Overseas emergency assistance, medical and hospital expenses 2

Health and safety when travelling in Bali

Staying safe

Theft and petty crime are common in Bali. Keep your valuables on your body and stay alert, especially in crowded areas and at night.

There’s also the possibility of volcanic eruptions and tsunamis, as well as other natural events. Refer to Smartraveller for current travel alerts affecting Bali before you buy a policy, before you leave Australia, and during your travels.

Keeping healthy

Health risks in Bali can include diseases such as malaria, dengue fever, Japanese encephalitis and rabies. You may wish to consult with a travel doctor or clinic before travelling to understand any options for preventative measures.

Some medications are illegal in Indonesia, and harsh penalties can apply even if you have a valid prescription. Make sure your medication is legal before you arrive.

You may need to be evacuated for treatment elsewhere if you become seriously ill or injured. Being uninsured may mean you have to arrange payment for your evacuation before you can be treated.

Being prepared for adventures

Adventure activities

Bali is world-famous for its surfing, with thousands of tourists flocking to the legendary beach breaks and reefs each year.

Allianz Comprehensive Travel Insurance is designed to cover activities like surfing and snorkelling. If you plan on getting more adventurous with activities like abseiling or riding a motorcycle, consider buying an Adventure Pack as an optional add-on. 2,3

Read the PDS for a full list of sports and activities automatically included in the Comprehensive or Multi-Trip plans, as well as what additional activities the Adventure Pack is designed to cover.

Riding mopeds and motorcycles

Riding motorcycles, motorised scooters and mopeds aren’t activities covered under a Comprehensive, Basic or Multi-Trip plan. 

If you plan to ride motorcycles, mopeds, motorised scooters or quad bikes as either the driver or pillion passenger in Bali, you might want to consider buying an Adventure Pack for an additional premium, which is an optional add-on for our Comprehensive and Multi-Trip plans. 2

The Adventure Pack is designed to cover eligible policy holders while riding on a motorcycle, moped, motorised scooter or quad bike 2,3 if you meet the following conditions:

• You hold the appropriate class of licence (excluding learners licences) in Australia for the vehicle you’re driving, or if your Australian licence isn’t recognised in that country – a licence valid for the country you’re riding in.
• When you’re riding as a pillion passenger on a motorcycle, moped or motorised scooter, the driver holds a licence valid for that vehicle and for the country it’s being ridden in.
• You’re the driver of a quad bike and you’re not carrying a pillion passenger. Note that you’re not covered if you ride as a pillion passenger on a quad bike.
• You wear an appropriate safety helmet at all times.
• You aren’t racing or riding a motorcycle, moped, motorised scooter or quad bike in a professional capacity.

Ready to find your travel insurance for Bali?

Frequently asked questions.

If you get sick or injured on your trip, depending on the plan you select, travel insurance may help with your medical expenses, as well as the costs of rescheduling your travel arrangements 2 . 

An Allianz Basic Travel Insurance policy is designed to cover overseas medical and hospital expenses 2 , including if you’re positively diagnosed with COVID-19 1 . For coverage that’s designed to include the above, plus events such as accidental death and permanent disability 3 , consider choosing our Comprehensive Travel Insurance 2 .

You can compare Allianz Travel Insurance plans to find out which product best suits your needs.

It’s important to understand that our policies have a number of general exclusions such as:

‘Travel alerts and other warnings’ which excludes claims that arise because you didn’t follow an advice or warning that a reasonable person would have been aware of that was either issued by the Australian government (‘Reconsider your need to travel’ alerts or ‘Do not travel’ alerts) or which was published in a reliable mass media source.

‘Aware of circumstances’ which excludes claims that arise when at the time of buying the insurance, you were aware, or a reasonable person in your circumstances would have been aware, of something that would give rise to you making a claim under the policy.

If you weren’t aware, or a reasonable person wouldn’t have been aware, of a volcanic eruption or ash cloud when you bought your policy and your trip is subsequently delayed or cancelled as a result of an ash cloud, you may be covered 2 . You must, however, follow government advice.

If there is a travel alert or government advice in effect, or circumstance you were aware of, or a reasonable person would have been aware of, at the time a policy is bought, we may deny your claim as this would be considered a known event for the purpose of the ‘Aware of circumstances’ General Exclusion.

Check Smartraveller for current travel alerts affecting Bali before you buy a policy, before you leave Australia, and during your travels.

We're here to help

Give us a call, or send us a message, follow us on, *conditions apply.

• Policy terms, conditions, exclusions, limits and applicable sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the PDS to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, exclusions, limits and applicable sub-limits that apply.
• Terms, conditions, exclusions, limits and applicable sub-limits apply. Eligibility criteria may also apply. Refer to the PDS for full details.
• You won’t have cover under Permanent Disability and Personal Liability benefits for any claims arising from your participation in any of the activities listed under Adventure Pack or your participation in snow sport activities, even if you’ve bought a Snow Pack or an Adventure Pack.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

Travel Insurance Bali

If you have plans to take a trip to Bali any time soon, you will need a comprehensive travel insurance plan so that you can be protected throughout the trip. Know more about overseas travel insurance from Tata AIG. When you think of Bali, a number of beautiful sceneries such as white sandy beaches, gorgeous waterfalls, and ancient temples come to your mind. It is safe to say that the beauty of Bali makes it Indonesia’s crown jewel, which is why it is such a popular tourist destination.

Contrary to the popular belief that Bali is only full of clean and sunny beaches, there are loads of things to do in Bali. If you are keen to explore old and magnificently constructed temples, visiting the Ulun Danu Temple in Danau Beratan should be part of your itinerary. Or if you want to explore the wildlife and get close to nature, the Ubud Monkey Forest will be a complete thrill for you. With over 700 monkeys and different species of trees, you are sure to enjoy your day there!

Travel Insurance from India to Bali

To visit Bali, it is important that you have a comprehensive travel insurance Bali policy that will help you out in times of need and in case of emergencies such as passport loss , baggage loss or delay, medical emergencies, and much more.

Therefore, you can select a Tata AIG travel insurance Bali policy which starts only at ₹45.5 per day, with extensive coverage against a number of situations!

The benefits of having travel insurance from India to Bali plan:

• Medical expenses coverage in the event of the diagnosis and hospitalization of COVID-19 & other sickness during the trip
• Travel assistance
• Coverage of $5,00,000 for accidents and sickness
• Baggage loss or delay cover
• Local assistance on your Bali trip
• Affordable travel insurance from India to Bali, starting at just ₹45.5 per day
• Hijack cover
• Cover against personal liability
• Hassle-free purchase of the Tata AIG travel insurance Bali plans
• Automatic 7-day extension of your travel insurance Bali policy due to cancellation or delay of the return flight
• Automatic Policy extension upto 60 days or date of discharge in the event of hospitalization when your policy is active.

Making a trip abroad will always need adequate planning and arrangements so that you can carry all that you need with you on your trip to Bali. Be it the documents, clothes, accessories, your travel insurance Bali policy, or travel plan maps, you will have to be sure that you have it all while departing from India.

Your travel insurance plan must cover you against a range of uncertain events such as medical emergencies, flight cancellations, delays, the loss of your passport, the loss or delay of your baggage, personal liability, and more. Since the COVID-19 pandemic has already caused a lot of travel restrictions to be put in place, make sure that you receive comprehensive coverage from your travel insurance plan against COVID-19 emergencies.

The best travel insurance in India is the one that is flexible enough and should provide sufficient coverage so that if you face any unexpected situation on your holiday, the travel insurance should be able to handle these contingencies smoothly. Always take into consideration a number of possible situations that can occur when you purchase a travel insurance policy and check if the plan covers them all.

Our Tata AIG travel insurance policies are designed to ensure that you can choose the plan coverage as per your needs and safeguard yourself against a host of uncertain events and occurrences on your trip. So, calculate your travel insurance premium and select your Tata AIG travel insurance plan before your make your trip to Bali!

Why Do You Need Travel Insurance from India to Bali?

A travel insurance policy is always a necessity, no matter where you are travelling. And in the case of an international location like Bali, you do not want to be caught off guard without a travel insurance policy if you face a sudden emergency or lose your baggage or passport. A comprehensive family travel insurance plan would safeguard you as well as your family members from various types of adversities that may arise during your Bali trip.

A good thing about Bali is that the political environment is quite stable, so you need not worry about riots or protests over there. As such, the Indonesian government is particular about safeguarding their tourism industry, which means, as a tourist, you are quite safe in Bali.

However, there are a host of other emergencies that you will have to keep in mind when travelling to the country. A simple example of this could be a food allergy or a common stomach bug that can affect almost anyone but can also spoil your holiday mood!

Therefore, while choosing a travel insurance Bali policy, be sure to compare travel insurance policy that offers extensive coverage against all types of emergencies, starting from delayed or cancelled flights and loss of passport to delayed or lost baggage to hospital cover in case of medical emergencies. If you suffer any such loss as mentioned above, you can always claim your travel insurance policy by contacting us.

Benefits offered by the Tata AIG travel insurance Bali plan

When you choose a Tata AIG travel insurance Bali plan, these are the following covers that can help you get 36-degree protection from uncertain events on your trip:

• Baggage Cover

If your baggage has been lost or delayed due to any reason, our travel insurance policy provides coverage for the same. For delayed baggage, you will be reimbursed for any essential items needed till the time you get your bags, whereas if you lose your baggage, we will reimburse the cost of the belongings in your check-in baggage.

• Medical Cover

The Tata AIG travel insurance plan for Bali can offer comprehensive protection to you in case you are hospitalised on a trip due to sickness or an accident.

If you happen to fall sick or meet with an accident while in Bali, our medical travel insurance plan will cover these costs. Moreover, if you are diagnosed with a COVID-19 infection and need to be hospitalised for the same, our travel insurance plan will handle the expenses.

• Journey Cover

With our Bali travel insurance plan, you will be covered against emergencies during your journey and this includes the loss of your passport, the delay or cancellation of your flight, or the cancellation of your other bookings on the trip.

Should you fall sick while still in Bali and have to be hospitalised towards the end of your journey, do not worry about the policy’s expiry date. We will ensure an automatic extension of 60 days or until the time you are discharged, whichever comes first.

These are the other benefits

• Travel Insurance Bali policy, starting at an affordable premium rate of ₹45.5 per day.
• Instant travel insurance policy purchase through our website with no hassles of excessive documentation or medical check-ups.
• You can choose to pay for your travel insurance policy premium in Indian National Rupees and receive Bali travel insurance coverage in US dollars.

Visa Information for Bali

While travellers from many countries do not need to have a visa if they are visiting Bali for 30 days or less, most tourists will need to have a visa depending on their nationality and the duration of their stay. Here are the broad visa documents one needs to have and requirements one needs to meet to be able to gain entry into Bali:

• An eligible passport with a validity of 6 months and one blank page.
• The duly filled application form
• Relevant supporting documents such as proof of return or onward travel
• A letter of invitation in case you are visiting someone
• A health certificate that signifies that you are in good health
• Proof of funds for the stay in the country (depending on circumstances of your visit)
• Recent passport-sized photographs.

The application form will have some security and health-related questions which you need to answer, proving that you are not a threat to the health and safety of Indonesian citizens and foreigners in the country.

Types of Visas for Bali

These are the different types of visas available for foreigners visiting Indonesia:

Visa on Arrival

For tourists from some countries, a visa on arrival is issued at the airport if they want to stay in the country for a period of 30 days. By paying an extra fee, the validity can be extended. The application involves having to wait in a queue at the airport to get, complete and submit the application. The necessary documents such as a confirmed return flight ticket and the proof of funds for the stay need to be presented at this time.

Business Visa

A business visa can be a single-entry visa for 60 days or can be extended up to a total of 180 days as per your requirement. You can also obtain a multiple-entry business visa that enables multiple stays of 60 days and is valid for 12 months. For a business visa, you will need to have a sponsorship or a letter of invitation from an Indonesian company. This visa allows you to attend official meetings and conferences in the country or sign contracts and meet with investors. But you cannot opt for paid employment in the country with a business visa.

Tourist Visa

The tourist visa is most commonly issued to those coming to Indonesia to visit their friends or family or for leisure or tourism. With this visa, one can stay in the country for up to 60 days and also participate in short study programs. Visitors from some nationalities are able to obtain a 30-day tourist visa on arrival, while many opt for the online Indonesia visa application form to obtain their tourist visa.

Transit Visa

You will not need to have a transit visa for Indonesia if you are transiting Indonesia through Soekarno-Hatta International Airport below 24 hours, or any other airport for less than 8 hours. But if you are not visa-exempt, you will need to have an Indonesian transit visa to pass through the country.

Electronic Visa

The Indonesia electronic visa program is a facility that expedites your entry into the country and lets you obtain an Indonesian eVisa online. Hence, you do not need to visit an embassy personally to submit a visa application or wait in a long queue to apply for a visa on arrival.

Temporary Stay Permits

An Indonesian Temporary Stay Permit (KITAS) is meant for those who travel to the country to work or study. It has a short-term validity of 6 months or a long-term validity of 1 to 5 years. To get a KITAS work visa, you must have a sponsorship from an Indonesian or Indonesia-based company and also an IMTA work permit.

To obtain a KITAS work visa, it is necessary to have sponsorship from a company based in Indonesia as well as an IMTA work permit. To apply for a temporary stay permit to study, it is necessary to obtain a sponsor letter from an Indonesian educational establishment.

How to Apply for Indonesian Visa

The following process has to be followed if you want to apply for an Indonesian visa:

• Depending on the type of visa you are applying for, you will need to fill out the application form.
• Provide the supporting document that will vary as per the type of visa you are applying for.
• Some applicants may need to submit the form in person at the Indonesian embassy or consulate while those using online Indonesian visa applications can upload their forms and documents electronically.

Please note that all types of visas are not available online and only applicants of some countries are eligible for the electronic process. Thus, be sure to check these requirements before applying.

• Once the application is complete, kindly pay the fee which will vary according to the type of visa you apply for.

Documents Required by Indian Nationals for an Indonesian Visa

Here are some of the essential documents you will need to have with you when applying for an Indonesian visa:

• Your valid passport with 6 months validity and a blank page
• Your flight tickets (the return journey as well)
• Your health certificate and vaccination certificates
• Proof of funds during your stay in Bali
• An invitation letter from the person/persons you are visiting
• An Indonesian employment contract or letter of acceptance from an Indonesian university
• Criminal record, if any or if applicable

Please note that you may be required to submit additional documents if a certain type of visa has such requirements. Also, ensure that you have valid travel insurance for the Bali visa so that you can be protected from uncertainties during your stay there. When in need, you can always contact us and claim your travel insurance policy.

Moreover, the application forms of different visas will have different questions. Ensure that all the questions are answered correctly and genuinely to avoid any chance of visa rejection.

Entry Information For I9

According to the Instruction of Ministry of Home Affairs No. 58 the Year 2021, foreign travellers visiting Bali must enter through the Soekarno Hatta Airport in Banten, Raja Haji Fisabilillah Airport in Riau Islands, or Sam Ratulangi Airport in North Sulawesi.

Once you arrive in Indonesia, these are some of the measures you need to take as per the Circular of Covid-19 Task Force No. 26 the Year 2021. International travellers, as well as Indonesian citizens, should comply with the rules.

Foreign nationals who have not travelled or are staying in states/regions with the criteria in the first section for a period of 14 days, can enter Indonesia under these conditions:

• Should enter through airports in Riau Islands and Bali
• Should have a certificate of receipt of COVID-19 vaccines and a negative RT-PCR test report.
• Should have a suitable visa as per the applicable rules and regulations.
• A travel insurance plan with a coverage of at least $1,00,00 and a COVID-19 coverage.
• Proof of accommodation with the booking and payment confirmation from the agency or the host.

When you buy a travel insurance plan, always be sure to calculate the premiums and get a suitable travel insurance quote for Bali so that you do not miss out on adequate coverage during your trip.

Travel Documents Required While Travelling from India to Bali

The following travel documents are mandatory when you arrive in Bali:

• A valid passport with 6 months validity and a blank page.
• A plan of the itinerary.
• A copy of the flight tickets and accommodation.
• Finances of approximately IDR 100,000,000.
• Travel insurance Bali policy with adequate coverage.
• Purpose of travel. For example, if you are on a tourist visa, you should not engage in paid employment or any business activity.

Bali Travel: Safety and Precautionary Measures To Be Undertaken

There are a few safety precautions that you need to be aware of while travelling from India to Bali:

• If you are an Indian national coming to Indonesia, kindly register yourself at the Embassy. Download the registration form online or pick it up at the Embassy.
• Please do not hand over your passport to non-bonafide agents, as such cases have been previously reported to the Embassy.
• Please ensure that your passport’s validity is more than six months at the time of return from Indonesia.
• Do not conduct business activities in Indonesia without first consulting the Indonesian Immigration. Even with a business visa, certain activities are not permitted.
• Do not overstay after your visa expires. This will result in you being booked for visa violations.

Covid-19 specific safety guidelines

• Always wear a protective mask over your nose and mouth, especially when you are in crowded spaces or using public transport.
• Do maintain social distancing as far as possible.
• Follow all the applicable COVID-19 guidelines and cooperate with the local authorities and the government.
• Check yourself COVID-19 symptoms. If there are any signs, please self-isolate and get tested soon.

A travel insurance plan for Bali will protect you from the financial impact of any emergencies including a COVID-19 infection during your stay due to which you may need to be hospitalised.

The Indian Embassy in Indonesia

Address : Gama Tower, 28th floor, Jl. HR. Rasuna Said Kav. C22, Karet Kuningan, Setiabudi, Kota Jakarta Selatan, Jakarta 12940.

Present Ambassador : His. Excellency Mr. Jawed Ashraf

Contact details of the Embassy

Website : Embassy of India, Jakarta

Email : [email protected]

Present Ambassador : Shri. Manoj Kumar Bharti

Telephone number : +62 21 2522299

Fax number : +62 21 2522405

The embassy is closed on Saturdays, Sundays & Public Holidays.

Official working hours : 8:30 AM - 12:30 PM and 1:15 PM - 5:15 PM

Consular timings : Monday and Thursday, 9:00 AM - 12:00 PM.

International Airports in Indonesia

These are some among the 29 international airports in Indonesia:

• Soekarno Hatta International Airport
• Juanda International Airport
• Gusti Ngurah Rai International Airport
• Banyuwangi International Airport
• Sultan Aji Muhammad Sulaiman International Airport

Currency and Foreign Exchange

The Indonesian Rupiah (IDR) or Rp is the official currency of Bali. This means most of the businesses in Bali use the IDR for their regular transactions. However, many investment-based businesses tend to use the US dollar.

Since the exchange rate fluctuates on a daily basis, make sure you check the exchange rate while buying travel insurance from India to Bali on the purchase.

Tourist Places in Bali

Whether you’re an adventurous tourist or find solace in quiet spaces, Bali has it all for you and will never disappoint anyone. Right from wildlife sanctuaries to trekking mountain ranges and awe-inspiring ancient temples, you can add some of these places to your itinerary when you visit Bali.

Tanah Lot Temple

A visit to the Tanah Lot Temple will give you the much-needed quiet and peace you have been looking for. Located along the shoreline of the Beraban village in Tabanan, the waves of the blue sea surround the temple and make for a majestic setting that you cannot miss! In Balinese mythology, it is believed that venomous snakes guard the temple from evil spirits.

Tegallalang Rice Terraces, Ubud

As a tourist, another place of interest for you in Bali would be the Tegallalang Rice Terraces in Ubud. The beautifully structured rice paddy terraces and the greenery is sure to win your heart. The scenery is so refreshing and wonderful that apart from nature lovers, a lot of painters and artists are known to frequent this location. You will also find a lot of graceful coconut trees decorating the valley and the terrace.

If you are looking for some excitement on your Bali trip, the Bali Swing should be one of the places on your list. A hit among travel bloggers and newly-wed couples on their honeymoon, this tourist spot is sure to give you some Instagram-worthy pictures and loads of precious memories to take back with you. A series of quaint rope and wood swings set against a vast expanse of natural vegetation makes for an unforgettable frame.

Goa Gajah Gianyar

The Goa Gajah in Tampaksiring, Bali is a Hindu temple that holds a lot of historical, religious and archaeological significance and simply means the Elephant Cave. The entrance of the cave is beautifully designed with different carved motifs that give the temple more historical appeal. When you visit the temple, you can observe some ancient vestiges from the Hindu and Buddhism beliefs while also spotting the fountains, bathing pools, and rock-wall carvings in the temple.

Nusa Penida

An untouched and pristine island separated from Bali by the Badung Strait, Nusa Penida is the place you should be at if you are an explorer, a photographer, or are simply looking for some peace and quiet. The tranquil island is home to a number of limestone formations and blue lagoons and is surrounded by the greenery of the flora which presents a picture-perfect treat for photographers.

Best Time to Visit Bali

The best time to visit Bali would be during the months of April to October. Though it may be quite warm in July and August, you can enjoy very pleasant weather between April to September. As such, you may also visit Bali between October to March; however, note that a lot of movement will be restricted due to due rainfall, which is why you may not want to go here during the monsoon.

Being a tropical location, the summer months can be quite warm but since it will be dry, you should not have a problem moving around. If you visit Bali in April, do not miss the Air Festival which celebrates the conservation of Balinese landscapes through exciting themes and music.

Between June and July, you can enjoy the Bali Arts Festival in Panjer, where you can witness a number of literary and dance events as well as competitions and activities related to fashion, handicraft, and food. As an art or photography enthusiast, this festival can be a real feast for your eyes and mind!

If you want to plan your trip to Bali, ensure that you are well-protected with a travel insurance Bali policy in case you happen to face unexpected events during your travel. At Tata AIG, you can choose from a wide range of international travel insurance plans that start at only ₹40.82 per day*. Visit our website to find out more about our travel insurance plans!

Other Destinations

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Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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To purchase a travel insurance plan from India to Bali, please visit our official website and click on international travel insurance under the “Products” section. Once you enter the necessary personal details, choose the coverage you need and add any of the additional covers you may require, which are as follows:

After selecting the coverage for your travel insurance Bali plan, you can choose to make the payment online and complete the purchase of your travel insurance policy, after which the policy document will be sent to your email ID.

How much should I pay for a travel insurance Bali plan?

The duration of your travel, the destination you are visiting and the coverage of your travel insurance plan will determine how much you need to pay for your travel insurance plan. Make it a point to select a sum assured that will not lead to you paying hefty premiums but at the same time provides sufficient coverage on the trip.

With Tata AIG travel insurance plans, you can enjoy comprehensive travel insurance coverage with a reasonable travel insurance quote for Bali so that you do not have to overspend on your travel policy. If you want to be sure of the premiums you pay, you can also get some help from our online travel insurance premium calculator and compare travel insurance plans.

Is it mandatory to buy a medical travel insurance Bali plan?

Yes, you should have a medical travel insurance Bali policy since there could be a medical emergency when you are visiting. Though it is not compulsory, you don’t want to be unprepared for emergencies that could lead to a lot of financial losses. Be sure to choose adequate coverage in your travel insurance policy so that you can be safeguarded against untoward occurrences on your trip.

With Tata AIG’s travel insurance Bali policy, you can avail of reasonable premiums in return for extensive coverage against a host of emergencies. If you want to determine your travel insurance policy coverage, you can also use our travel insurance premium calculator to find the Bali travel insurance policy of your choice.

** Disclaimer** :

All the information provided above has been well-researched and sourced from reliable sources. Since this information is subject to change, it is advisable to check the latest travel guidelines and other location-specific information before planning a trip to any location. *Subject to change based on the nature and extent of coverage.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .