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Travel insurance for Bali

Travel insurance for Bali

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Compare travel insurance policies for Bali and get peace of mind for your Balinese getaway.

Bali has long been a popular destination for travelers – more than 12 million people visited this idyllic Indonesian destination in 2016 alone. Whether you’re heading to Bali for a relaxing vacation or a thrilling adventure, don’t let the unexpected spoil your trip. Travel insurance provides essential financial protection against a variety of common travel risks, from “Bali belly” and stolen luggage to scooter accidents and medical emergencies, ensuring peace of mind from the moment your vacation begins.

If you know what you’re after, compare Bali travel insurance policies from more than 20 brands by completing the quote form below, or read on to find out more about how to find the best travel insurance for Bali.

Seven Corners Trip Protection Insurance

Seven Corners Trip Protection Insurance

Travel with a smile - protect your trip cost, your medical expenses and your belongings.

  • Emergency accident and sickness medical expenses up to $250,000
  • Trip cancellation – 100% of trip cost
  • Trip interruption – up to 150% of trip cost
  • Political evacuation – $20,000
  • Lost, stolen or damaged baggage – up to $2,500
  • Emergency medical evacuation – up to $1 million

    Compare travel insurance policies for Bali

    Details Features
    Atlas Travel
    Atlas Travel
    Customizable policy that balances between the basic essentials and premium coverage.
    • Trip cancellation: Not available
    • Emergency medical expenses: Up to $2,000,000
    • Baggage coverage: Up to $500
    • Trip delay: $100/day up to 2 days
    Go to site More info
    STA Travel Standard International
    STA Travel Standard International
    Affordable coverage for the essentials needed when traveling outside of your home country.
    • Trip cancellation: Not available
    • Emergency medical expenses: $25,000
    • Medical evacuation & repatriation: $250,000
    • Trip delay: $100/day up to $250
    Go to site More info
    Allianz International Travel Insurance
    Allianz International Travel Insurance
    Customizable coverage that can give you peace of mind when traveling to popular or remote destinations.
    • Trip cancellation: $1,000
    • Emergency medical expenses: Up to $50,000
    • Baggage coverage: Up to $2,000
    • Trip interruption: Up to $1,500
    Go to site More info
    Seven Corners Liaison Travel Medical
    Seven Corners Liaison Travel Medical
    Coverage when traveling outside your home country with terms between 5 days to 3 years.
    • Emergency medical expenses: Up to $5,000,000
    • Medical evacuation & repatriation: Up to $1,000,000
    • Baggage coverage: Up to $1,000
    • Trip interruption: Up to $10,000
    Go to site More info
    RoamRight Travel Insurance Essential
    RoamRight Travel Insurance Essential
    Coverage includes trip cancellation insurance, tourist health insurance and baggage insurance.
    • Trip cancellation: 100% cost of trip
    • Emergency medical expenses: $15,000
    • Baggage coverage: $750
    • Trip delay: $100/day up to $500
    Go to site More info
    Travelex Cancel for Any Reason
    Travelex Cancel for Any Reason
    Not 100% sure you're going to make your trip? Cancel For Any Reason upgrade is available with the Travel Select plan.
    • Reimburses up to 75% of the insured trip cost
    • Must cancel within 48 hours before scheduled departure
    • Offered on trips with a maximum value of $10,000
    Go to site More info

    Why do I need travel insurance for Bali?

    Planning an overseas trip is a time of excitement and anticipation, so the last thing you want to be doing is thinking about what could happen if something were to go wrong on your vacation.

    With travel insurance, you can rest easy knowing it provides protection against a broad range of risks faced by every traveler who visits Bali, including:

    • Overseas medical expenses. Medicare doesn’t cover you overseas, so 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 and the best course of action is for you to be medically repatriated back home, the cost can be astronomical. But the good news is that it’s covered by travel insurance.
    • Cancellation costs. No matter where in the world you travel, sometimes unforeseeable events can cause you to cancel your trip. 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.
    • Theft. Had your bag or wallet stolen in the busy crowds at one of Bali’s popular tourist hot spots? Petty crime is a common risk in Indonesia, so travel insurance covers the theft of cash, passports and personal items.
    • Water sports. Planning on surfing the Bukit peninsula, snorkeling, parasailing or jet-skiing on your Bali trip? You’ll be able to find travel insurance that covers you when you participate in all of these activities.
    • Riding a motorcycle or scooter. If you’ll be getting around Bali on two wheels, some insurers will cover you for travel on motorcycle or scooter (conditions apply).
    • Personal liability. If you’re held legally liable for injuring someone else or damaging their property while on your Balinese holiday, the financial consequences could be disastrous – unless you’re protected by the personal liability coverage included with travel insurance.
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    Bali ash cloud

    When Mount Rinjani on the island of Lombok erupted multiple times in 2016, it caused chaos for travelers who had booked flights to and from Bali. 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. Check out our guide to the Bali ash cloud for more information on how travel insurance works when such natural disasters occur.

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    How much does Bali travel insurance cost?

    Want to know how much you’ll need to pay for coverage? Prices vary depending on the level of coverage and any options you select, and travel insurance companies will base your quote on when you’re going to Bali, which state you live in, the age of travelers and how much the trip cost. Compare a variety of quotes to get a better idea of how much Bali travel insurance will cost you.

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    Getting cheap travel insurance for Bali

    Cost will always be a factor when choosing travel insurance for Bali, but it should never be the only factor you consider. You should also look at what a policy covers, and to what levels, before deciding whether it’s right for you.

    The table below outlines four policy quotes assuming $3,000 in trip costs. 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.

    Provider Atlas Seven Corners Allianz RoamRight
    Destination Bali Bali Bali Bali
    Policy America RoundTrip Economy Basic Essential
    Overseas medical expenses $1 million $10,000 $10,000 $15,000
    Trip cancellation coverage n/a 100% Up to trip cost Up to trip cost
    Trip delay coverage $100/day $500 $300 $100/day
    Lost, stolen or damaged baggage $500 $250 $500 n/a
    Emergency evacuation $1 million $100,000 $50,000 $150,000
    Length of trip 14 days 14 days 14 days 14 days
    Age of traveler 35 35 35 35
    Total cost of coverage $56 $96 $114 $134
    Get quote Get quote Get quote Get quote

    *Prices shown are accurate as of December 2017. Prices are subject to change.

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    Are there any exclusions?

    Of course there are! Travel insurance isn’t designed to cover every single little thing that could conceivably go wrong on your Bali trip – if it did, the premiums would be huge – so make sure you’re aware of when your policy won’t provide any coverage.

    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. Check the State Department’s Bureau of Consular Affairs website for any travel advisories that may apply.
    • You’re drunk. Bali has a reputation as a popular party destination, but travel insurers will not cover you for any claims that arise because you’re under the influence of alcohol or drugs. So if you’ve polished off one too many Bintangs and then wander out into traffic without looking, don’t expect your policy to cover your medical bills.
    • You don’t follow the riding rules. Bali’s road crash statistics make for sobering reading. In 2015, 504 people died in road accidents, 254 were seriously injured and another 1,890 people suffered minor injuries. The roads are also crowded and chaotic, and if you ride without a valid motorcycle license or without a helmet, don’t expect any coverage from your insurer. In fact, some insurers will refuse to cover motorcycle or scooter travel at all, so check the fine print.
    • You don’t look after your stuff. Travel insurance doesn’t cover your luggage and personal belongings if you leave them unattended in a public place. So if you leave your bag (containing your wallet, phone and passport) sitting on a beach while you go off in search of a toilet, you won’t be covered.
    • You engage in high-risk adventure activities. Are you a thrill seeker who wants to pack as much sky diving, cliff jumping, rock climbing and other hazardous activities into your Bali holiday? Check the fine print of your policy before you do, as many of these will not be covered.
    • You have a pre-existing medical condition. Travel insurance will generally not cover any pre-existing medical conditions you have before you travel. So if your back problems flare up after the flight to Denpasar, your insurer probably won’t cover you for any resulting disruption to your trip.
    • You don’t report incidents to the authorities. Had your bag stolen? Report it to the police immediately. Airline lost your luggage? Let them know right away. If you fail to report loss or theft to the relevant authority within 24 hours, you may not be covered.

    Check out our guide to travel insurance exclusions for more situations when you won’t be covered.

    Will I be covered if…

    • I ride a scooter? Maybe. Some insurers will not cover any motorcycle or scooter use, even as a passenger, while others will provide coverage as long as you meet certain conditions. These usually include that you must wear a helmet and you must hold a current motorcycle license that is valid in Bali, while there may also be a limit on the engine capacity of the motorcycle you are allowed to ride. Even if you see other travelers riding around on mopeds, remember that inexperienced drivers often have crashes, injuries and even fatalities.
    • Political unrest occurs? If political unrest develops in Bali, many insurers will provide coverage for cancellation fees and lost deposits if you need to cancel your trip. Many will also provide coverage for trip disruption if unrest unexpectedly develops once you have already traveled to Bali, as long as you exercise all reasonable safety precautions and stay well away from any protests or civil commotion. However, if you visit a country for which the State Department has issued a travel warning, you may not be covered.
    • There is an act of terrorism? Terrorism is commonly listed as a general exclusion on most travel insurance policies, so any claims that arise due to an act of terrorism will typically not be covered.
    • If I participate in adventure activities, such as sky diving or cliff jumping? Coverage for adventure activities varies between insurers. Many adventure activities are usually excluded from coverage, but you may be able to purchase additional protection by including an adventure sports package with your policy. Check the plan details for which activities are automatically covered, which activities you can purchase additional coverage for and which activities are always excluded.
    • I engage in activities while under the influence of drugs or alcohol? No. If your claim arises because you are under the influence of drugs or alcohol, travel insurers will refuse your claim. So if you crash your scooter while drunk in Kuta, don’t expect your insurer to cover your medical bills.

    travellers in Bali

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    Is Bali a safe destination?

    The majority of travelers to Bali experience relaxing, trouble-free vacations. However, you may have seen a news report of an American who died in Bali, so it’s important to be aware of the risks you face when traveling.

    According to figures from the State Department, in the year 2016:

    • 4 Americans died in Indonesia, 3 of them in Bali
    • Causes of death included drowning, suicide and motorcycle accident.

    With this in mind, there are a few safety risks you should be aware of before boarding a flight to Bali:

    • Terrorism. The State Department has issued a general warning worldwide about the continuing threat of terrorist attacks.
    • Natural disaster. From November to April, the State Department advises American travelers to exercise caution throughout the South Pacific due to the ongoing threat of tropical cyclones.
    • Crime. Opportunistic theft and other petty crime is a big problem in Bali, with robbery and bag snatching common risks.
    • Illness and disease. From Hepatitis A and B to measles, malaria and dengue fever, there are a range of diseases you may need vaccination against before visiting Indonesia. Traveler’s diarrhea is also a common problem for American visitors to Bali.
    • Dangerous roads. Traffic can be congested and many road rules are ignored. Outside of major cities and tourist areas, the quality of roads also decreases dramatically.
    • Drink spiking. Drink spiking and poisoning of drinks with toxic substances have been reported in Bali, and it’s a risk you need to be aware of when visiting nightclubs.
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    Safety tips for Bali

    Here’s how you can stay safe during your trip to Bali and minimize the chances of having to make a travel insurance claim:

    • Get vaccinated. Visit your doctor well in advance of your scheduled departure date to have a general check-up and make sure your vaccinations are up to date. Hepatitis A and B vaccinations are strongly recommended, as are vaccinations for typhoid, tetanus, pertussis and diphtheria. Check with your doctor about the shots you need before you go.
    • Watch out for wildlife. Rabies is another common risk in Bali and throughout Indonesia, and it is most commonly spread by animal bites and scratches. Don’t feed or pet monkeys or dogs anywhere in Bali.
    • Take care on the road. Balinese traffic is chaotic, congested and crazy. Exercise extreme caution on the roads, and if you’re renting a vehicle, consider travel insurance that provides rental vehicle insurance excess coverage.
    • Be wary of thieves. Protect yourself against petty crime by watching out for card game scams in tourist areas, exercising caution when withdrawing cash from an ATM and making sure not to carry large sums of money on your person. It’s also recommended that you keep your money and valuables close to you to avoid being targeted by thieves on motorcycles.
    • Avoid illness. Protect yourself against food-borne illness by practicing good food hygiene at all times. You can also avoid a case of the dreaded “Bali belly” by drinking bottled water only and steering clear of street food.
    • Be safe in the water. Don’t venture out too far even if you’re a competent swimmer, as dangerous surf and riptides might not be posted.
    • Stay alert. The terrorist threat level throughout Indonesia remains high, so keep your wits about you at all times.

    Don’t do drugs. This may seem like a no-brainer, but not a year goes by when there isn’t news of a foreigner getting in trouble for drugs in Bali.

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    Before you leave, check the following:

    • Do you have enough money? One useful tip to remember is to bring cash with you to pay for the entry charge.
    • Do you have a valid passport? Make sure your passport is valid for at least six months after your planned return date.
    • Does your travel insurance provide adequate coverage? It’s a good idea to have a look at the fine print of your policy before you head to Bali so you don’t get caught short.
    • Have you signed up for the Smart Traveler Enrollment Program? Before you head to Bali, make sure you have registered to receive security messages through the State Department’s Smart Traveler website.
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    How to make a claim on your Bali travel insurance

    I had an accident in Bali. What do I do?

    If you need to make a claim on your travel insurance policy, check with your insurer to find out what options are available. Generally you will need to:

    1. Fill out a claim form. This will usually be available online or can be mailed to you upon request.
    2. Provide supporting documentation. You will need to provide documentation to support your claim. Depending on the nature andcomplexity of your claim, this can include things like receipts for valuable items, police reports and photographs of damaged or stolen items.

    It’s important to notify your insurer of an event that may give rise to a claim as soon as possible after it occurs. Cooperate fully with the insurer throughout the claims process and provide any information or documents needed to complete your claim.

    • Keep receipts. It’s a good idea to keep receipts or photos of any valuables you have. Having a copy of your travel insurance policy, along with your insurer’s contact details, on your trip can also help you file your claim quicker. Having a photocopy of your passport handy can also be useful if your travel documents are stolen.
    • Keep copies. Try to get written copies of every important document, including copies of police reports or details of flight cancellations. The more evidence you have to back up your claim, the harder it will be for your insurer to reject it.
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    Who do I contact in an emergency?

    If you need help in an emergency in Bali, make sure you have the following phone numbers handy:

    • Your travel insurer: You can contact your insurer’s 24/7 emergency hotline if you need emergency medical or travel assistance. Check with your insurer for the specific number you need to call.
    • Police: 110/112 (SMS 1717)
    • Ambulance and rescue services: 118
    • Firefighting: 113
    • Medical emergencies: 119
    • Tourist police (Bali): (0361) 759 687
    • Tourist police (Jakarta): (201) 526 4073
    • American embassies and consulates:

    US Embassy Jakarta

    Jl. Medan Merdeka Selatan No. 3 – 5
    Jakarta 10110, Indonesia
    Telephone: (+62 21) 3435 9000
    Fax: (+62 21) 386 2259

    US Consular Agency Bali

    Jl. Hayam Wuruk 188
    Denpasar 80235, Bali, Indonesia
    Telephone: (+62 361) 233 605
    Fax: (+ 62 361) 222 426

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    How do I find the best* travel insurance policy for my Bali trip?

    The best travel insurance for Bali depends on the type of vacation you have planned. Consider the following factors when choosing a policy:

    • Where else are you going? Are you traveling to Bali only, or will you also be visiting other destinations throughout Indonesia or around the world? If you’re planning an extended vacation, you may need a policy that covers longer trip durations and multiple destinations.
    • What will you be doing? Will you be hiring a car or motorcycle and therefore need a policy that covers things like rental car damage or emergency medical expenses following a motorcycle accident? Will you need coverage for adventure activities and water sports?
    • How much coverage do you need? Do you want coverage for the essentials only or would you prefer to be covered for a comprehensive array of travel risks? Do you need unlimited coverage for overseas medical expenses in Bali? How much coverage do you need for cancellation costs, luggage and personal belongings, and all the other crucial travel insurance benefits?
    • What’s your budget? Are you a budget-conscious backpacker or are you willing to spend a little extra to buy high-level coverage for a wider range of risks?

    Answering these questions will help you work out the type of policy you want. Then it’s a matter of comparing multiple policies by looking at the following factors:

    • What’s covered. Read the policy documents for details of what benefits it offers, as well as the limits that apply to each of those benefits.
    • What’s not covered. Read the list of general exclusions so you’re fully aware of all the situations and events that will not be covered.
    • What additional options are available. If you need additional coverage, such as for high-risk adventure sports or for high-value personal items you plan on taking with you to Bali, check if these are available for an extra premium.
    • The cost of coverage. Obtain quotes to see how the cost of each policy compares to the competition. However, remember that instead of just looking at the number, you should consider cost in relation to the policy’s features to determine whether it offers value for the money.

    Compare travel insurance policies for your trip to Bali

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    How to save on travel insurance for Bali

    Looking for ways to save money on Bali travel insurance? The following tips can help:

    • Consider annual travel insurance. If you love traveling and usually take multiple overseas trips a year, taking out a single-trip travel insurance policy for each separate vacation can soon become expensive. But if you purchase annual multi-trip travel insurance, which provides comprehensive coverage for all the trips you take during a 12-month period, it works out to be much more cost-effective.
    • Lower your deductible. Many insurers allow you to adjust your deductible when you take out a policy. By choosing one with a higher deductible, you’ll be able to access cheaper premiums.
    • Combine coverage. Traveling to Bali with friends or family? Instead of each individual purchasing their own policy, why not split the cost of a joint or group policy between all of you?
    • Specify your destination. If your travel insurer gives you the option of specifying Bali as your destination rather than Indonesia as a whole, you could enjoy cheaper premiums.
    • Take advantage of discounts. Before buying a policy, look around for any discounts and special offers that may be available. These include senior discounts, student discounts, multi-policy discounts and online coupon codes.
    • Choose the right level of coverage. Before choosing a comprehensive travel insurance policy, consider whether you might be satisfied with the coverage offered by a cheaper essentials policy. At the same time, make sure you only pay for the extra-cost options you need – if you’re more of a “sip cocktails by the pool” type of vacationer than an adrenaline junkie, don’t pay for adventure sports coverage you won’t need.
    • Buy from an insurer. Just booked flights to Bali? Don’t buy coverage from your airline or travel agent, as you’ll most likely be charged extra due to their commission. Save money by purchasing a policy direct from your chosen travel insurer.
    • Compare quotes. Don’t just choose the first policy you come across because it sounds okay; compare quotes from several insurers to decide which one offers the best value for your money.
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    When’s the best time to visit Bali?

    Bali has two distinct seasons, the peak season and the off season. Their details are as follows:

    Season Details
    Peak season (dry season)
    • June to September.
    • The weather is hot but not humid, allowing the Balinese culture, nightlife and friendly people to shine.
    • Surfers enjoy great waves.
    • Backpackers come to Bali for cheap vacations.
    Off season (wet season)
    • October to March.
    • Humid and tends to rain some days, mixed with days of sunny weather.
    • Cheaper* flights and smaller crowds.
    • Many people stay in mountain retreats for a relaxed getaway during this period.
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    How do I find cheap flights to Bali?

    Bali is cheapest to get to from the US between January and March, after the Christmas and New Year’s rush but before spring break.

    Why travel insurance is a must for cheap flights

    While you can often get flights to Bali for cheap, tickets are sometimes non-refundable and non-transferable. This is likely the case if you find tickets on a flight deals aggregator website or during an airlines mass sale.

    Having travel insurance with cancellation coverage is vital if you have to cancel due to a family member being ill or passing away.

    More information Details
    Cheapest* price to fly to Bali (round trip from Chicago)
    • $741
    Flight times to Bali (from Chicago)
    • Depending on which airline you fly with, one-stop flights can take 21 hours or more
    Common airlines that fly to Bali
    • ANA
    • Cathay Pacific
    • China Eastern
    • Emirates
    • EVA Air
    • Korean Air
    • Qatar Airways
    • Thai Airways

    Information last confirmed correct as of December 2017.

    Compare travel insurance policies for your trip to Bali

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    Frequently asked questions about Bali travel insurance

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    Ready to get travel insurance for Bali?

    Travel insurance is an essential consideration for any trip you’re planning on taking, including your next vacation to Bali. Consider your coverage options, and research a variety of policies to ensure you end up with the right level of coverage.

    *Price based on a quote for a basic policy for a 14-day trip for a 35-year-old traveler. Please note that prices are subject to change. Price last checked on December 2017.
    **The offers compared on this page are chosen from a range of products has access to track and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of the terms “best”, “top”, “cheap”, “cheapest” and “cheaper” are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

    Picture: Adhi Rachdian, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)

    William Eve

    Will is a personal finance writer for finder specialising in content on insurance. While he cannot give personal advice to clients, Will enjoys explaining the intricacies of different types of protective cover to help individuals and businesses find affordable cover that won't leave them underinsured.

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