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Travel insurance for Bali

Compare the best Bali travel insurance coverage in 2021

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Pura Ulun Danu Bratan in Bali Indonesia

Bali has long been a popular destination for travelers, with over 10 million people visiting this idyllic Indonesian destination each year. Travel insurance protects your trip from the moment your vacation begins for common travel risks, from “Bali belly” and stolen luggage to scooter accidents and medical emergencies.

What’s changed in 2021?

Bali is currently closed to international visitors as of February 2021. Check the CDC travel guide before you leave, and make sure your flights are refundable in case of further delays in border openings.

Look into how your insurance covers natural disasters before purchasing a policy, and always check for forecast disasters before buying a plane ticket. When Mount Rinjani on the island of Lombok erupted multiple times in 2016, the resulting ash cloud caused cancellations and disruptions to scores of flights in and out of Bali, leaving thousands of travelers with significant out-of-pocket expenses. While those people who had taken out travel insurance before the first eruption were generally covered for those expenses, travelers who took out a policy after the ash cloud formed were not eligible for any benefits.

How to compare travel insurance for Bali

With travel insurance, you’re protected from common risks faced by every traveler who visits Bali, including:

  • Overseas medical expenses. If you fall and break your arm on a slippery Kuta street or if you’re hospitalized with a severe case of “Bali belly,” you could face expensive medical bills. Luckily, travel insurance can cover your emergency overseas medical costs.
  • Medical evacuation and repatriation. If you suffer a serious illness or injury in Bali that requires you to be medically repatriated back home, the cost can be astronomical, unless you have travel insurance.
  • Cancellation costs. From natural disasters to the unexpected death of a relative, travel insurance covers your cancellation fees and lost deposits if you’re unable to travel due to circumstances beyond your control.
  • Lost or stolen luggage. If your luggage or personal items are stolen or damaged during your trip, travel insurance covers the cost of their repair or replacement.
  • Luggage delay. When an airline temporarily loses your luggage, travel insurance can give you the funds you need to buy emergency items like clothing and toiletries until your luggage is returned.
  • Multiple trips. If you’re planning an extended vacation to other parts of Indonesia or Southeast Asia, consider a policy that covers longer trip durations and multiple destinations.
  • Theft. Petty crime is a common risk in Indonesia, especially in tourist hotspots, so travel insurance covers the theft of cash, passports and personal items.
  • Water sports or outdoor adventures. Planning on surfing the Bukit peninsula, snorkeling, parasailing or jet-skiing on your Bali trip? You might need to add this activity coverage to your policy.
  • Personal liability. Avoid legal trouble for injuring someone or damaging their property, since personal liability coverage is included with travel insurance.

    Compare travel insurance for Bali

    Name Product Trip Cancellation Emergency Medical Expenses Baggage Coverage Trip Delay
    Atlas Travel by Tokio Marine
    0%
    $2,000,000
    $1,000
    $100
    Customizable policy that balances basic essentials with premium coverage.
    Atlas Group Insurance by Tokio Marine
    0%
    $2,000,000
    $1,000
    $100
    Customizable policy designed for families, student organizations and groups of five or more people.
    RoamRight Essential Travel Insurance Plan
    100%
    $15,000
    $750
    $500
    Basic policy with coverage that includes trip cancellation insurance, tourist health insurance and baggage insurance.
    RoamRight Multi-Trip Annual Insurance for Trip Cancellation
    100%
    $25,000
    $1,000
    $1,000
    Bare-bones policy designed for those who want trip cancellation coverage and limited medical protection.
    AXA Assistance Silver Plan
    100%
    $25,000
    $750
    $500
    Basic travel protection with lower amounts of coverage. No option to cancel for any reason.
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    Compare up to 4 providers

    Cost of travel insurance in Bali

    Compare sample policy quotes for a 35-year-old traveler who’s spending $3,000 on a 14-day trip. However, the limits and coverage provided vary from policy to policy, which is why it’s crucial to read the details closely and determine what you’re getting for your money if you choose a cheap travel insurance policy.

    AtlasSeven CornersAllianzRoamRight
    DestinationBaliBaliBaliBali
    PolicyAmericaRoundTrip EconomyBasicEssential
    Overseas medical expenses$1 million$10,000$10,000$15,000
    Trip cancellationn/a100%Up to trip costUp to trip cost
    Trip delay$100/day$500$300$100/day
    Lost, stolen or damaged baggage$500$250$500n/a
    Emergency evacuation$1 million$100,000$50,000$150,000
    Total policy cost$56$96$114$134
    Get quoteGet quoteGet quoteGet quote

    *Please note that prices are subject to change. Price last checked December 2017.

    What’s not covered by Bali travel insurance?

    Typically, Bali travel insurance won’t cover you if:

    • You ignore a government warning. If you travel to an area or region that the US government has warned against visiting, your policy may not provide coverage.
    • You’re drunk. Bali has a reputation as a popular party destination. If you’ve polished off one too many Bintangs and then wander out into traffic without looking, your policy won’t cover your medical bills.
    • You don’t follow road rules. Each year over 1,500 people die in road accidents in Bali, and the majority involve motorbikes. Some insurers won’t cover any motorcycle or scooter use, even as a passenger, while others will cover drivers if you wear a helmet, have a license and don’t speed.
    • You don’t look after your stuff. If you leave your bag sitting on a beach while you search for a bathroom, you won’t be covered.
    • You engage in high-risk activities. Thrill seekers who want to sky dive, cliff jump and rock climb need a specific endorsement.
    • You have a pre-existing medical condition. If your back problems flare up after the flight to Denpasar, your insurer probably won’t cover you for a trip to the doctor or pharmacy.
    • You don’t report incidents to the authorities. Report lost luggage to your airline or stolen belongings to the police within 24 hours or you may not be covered.
    • You engage in protests. If political unrest develops in Bali, many insurers will provide coverage for cancellation fees and lost deposits if you need to cancel your trip, as long as you exercise all reasonable safety precautions and stay well away from any protests or civil commotion.
    • An act of terrorism delays your travels. Terrorism is commonly listed as a general exclusion on most travel insurance policies.

      How to stay safe in Bali

      The majority of travelers to Bali experience relaxing, trouble-free vacations. You can stay safe during your trip to Bali and minimize the chances of having to make a travel insurance claim:

      • Get vaccinated. Ask your doctor about vaccinations for Hepatitis A and B, typhoid, tetanus, pertussis and diphtheria.
      • Don’t pet the wildlife. Rabies is another common risk in Bali, and it’s most often spread by animal bites and scratches. Don’t feed or pet monkeys or dogs anywhere in Indonesia.
      • Take care on the road. Balinese traffic is chaotic and congested, and the roads in rural areas can be rough. Be careful on the road, and consider rental vehicle coverage if you’ll be driving.
      • Be wary of thieves. Avoid card game scams, ATM withdrawals, carrying a lot of cash and bag snatchers on bikes.
      • Avoid illness. Avoid the dreaded “Bali belly” by only drinking bottled drinks, practicing good hygiene and skipping street food.
      • Be safe in the water. Don’t venture out too far even if you’re a good swimmer to avoid dangerous surf and riptides.
      • Check the radar. From November to April, watch our for tropical cyclones in the South Pacific.
      • Protect your drink. Drink spiking is a risk in Bali nightclubs, so keep your drink with you at all times.
      • Don’t do drugs. This may seem like a no-brainer, but it’s common to hear news of a foreigner getting in trouble for drugs in Bali.
      • Stay alert. The terrorist threat level throughout Indonesia remains high, so keep your wits about you at all times.

          Bottom line

          Bali is known as the Island of the Gods, and one look at its jawdropping beauty makes it clear that the name is fitting. Pick up a travel insurance policy before you leave so that you can relax on your Bali vacation knowing you’re safe from any financial consequences.

          Frequently asked questions about Bali travel insurance

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