Planning a trip to Bali? Travel insurance is one of the most important purchases you can make before you go. Medical costs for tourists in Bali can be extremely high, and without cover, a serious accident or illness could leave you with a bill of tens of thousands of dollars.
In this guide, we review the best travel insurance options for a Bali trip, explain what to look for in a policy, and help you find the right level of cover for your budget.
What makes a good Bali travel insurance policy?
The best travel insurance for Bali should cover:
- Unlimited or high-limit medical cover: Medical evacuation from Bali to Singapore or Australia can cost over $50,000 alone.
- Trip cancellation and disruption: Cover for pre-departure cancellation and mid-trip interruptions.
- Motorbike and scooter cover: A critical consideration for Bali, where scooter accidents are common.
- Adventure activities: If you plan to surf, trek, or do water sports, check whether these are covered.
- Reasonable excess: Lower excess means more out-of-pocket savings when you claim.
Compare Bali travel insurance plans
See our full comparison of Bali travel insurance plans, including top picks and all available options:
Compare Bali Travel Insurance Plans →
Key things to check before buying
Scooter and motorbike cover
Many travellers hire scooters in Bali. However, most standard travel insurance policies only cover injuries from scooters or motorcycles if you hold a valid licence from your home country. Some policies require an International Driving Permit. Read the motor vehicle exclusions carefully before you buy.
Pre-existing medical conditions
If you have a pre-existing medical condition, check whether your policy covers treatment related to it. Some insurers automatically cover stable pre-existing conditions, while others require a medical assessment or charge an additional premium.
Adventure and activity cover
Popular Bali activities like surfing, white-water rafting, and ATV riding may not be covered under a standard policy. Look for policies that include adventure sports cover or allow you to add it on.
Annual vs single-trip policies
If you travel internationally more than once a year, an annual multi-trip policy often works out cheaper. Single-trip policies are usually the better choice for one-off Bali holidays.
How much does Bali travel insurance cost?
For a healthy adult taking a standard single trip to Bali, comprehensive travel insurance typically costs between $40 and $100. Prices increase for older travellers, longer trips, and higher coverage limits. Using a comparison tool or checking our table above is the easiest way to see which plans offer the best value for your specific trip.
Final tips
- Buy insurance as soon as you book to get cancellation cover from day one.
- Read the product disclosure statement, not just the comparison highlights.
- Check the 24/7 emergency assistance line details before you travel.
- Keep digital copies of your policy number and emergency contact details on your phone.
Information is correct at the time of writing. Always confirm current policy details directly with the insurer before purchasing.