Bali is visited by over 1 million Australians each year. With its combination of beautiful beaches, affordable food, and rich culture, it’s easy to see why. However, Bali also presents some specific risks that your travel insurance needs to cover.
Key Risks in Bali
The most common reasons Australians make travel insurance claims in Bali include:
- Motorbike and scooter accidents, This is the number one cause of serious injury claims for Australians in Bali. If you plan to ride a scooter, ensure your policy explicitly covers motorbike/scooter riding.
- Gastroenteritis and Bali belly, Food and waterborne illness is extremely common.
- Dengue fever, Mosquito-borne illness is present year-round.
- Adventure activity injuries, From surfing to volcano trekking.
What to Look for in Bali Travel Insurance
When comparing travel insurance for Bali, prioritise:
- Unlimited or very high overseas medical cover
- Emergency evacuation to Australia
- Scooter/motorbike riding cover (often an add-on)
- Adventure activity cover
- Hospital cash allowance
Medical Costs in Bali
Private hospital costs in Bali can be expensive, particularly at international hospitals like BIMC or Siloam. A serious motorbike accident can result in bills of $20,000–$100,000+ AUD, and evacuation to Australia (if required) can add another $30,000–$80,000.
⚠️ Scooter Warning: Many standard travel insurance policies do not cover motorbike or scooter riding in Bali. Always check the PDS and add a scooter/motorbike endorsement if you plan to ride.
Recommended Cover for Bali
For a trip to Bali, we recommend at minimum:
- Unlimited overseas emergency medical cover
- Emergency evacuation cover
- Trip cancellation: $5,000+
- Baggage and personal effects: $3,000+
- Scooter add-on (if riding)
