Travel insurance for Bali
Get peace of mind for your Balinese getaway.
Bali has long been a popular destination for travellers, with over 10 million people visiting this idyllic Indonesian destination each year. 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.
What does travel insurance cover?
With travel insurance, you can rest easy knowing you’re protected against a broad range of risks faced by every traveller who visits Bali, including:
- Overseas medical expenses. If you fall and break your arm on a slippery Kuta street or if you’re hospitalised 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. 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, snorkelling, 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.
- 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.
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 UK Home Office has warned against visiting, your policy may not provide coverage.
- 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. If you speed, drive without a licence or don’t wear a helmet when on a motorcycle, your insurer won’t pay the cost.
- 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 sitting on a beach while you go off in search of a bathroom, 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 and rock climbing as possible 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.
Will I be covered if …
- I ride a motorcycle? 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 licence that is valid in Bali. There may also be a limit on the engine capacity of the motorcycle you are allowed to ride.
- 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 travelled to Bali, as long as you exercise all reasonable safety precautions and stay well away from any protests or civil commotion.
- There’s 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.
How do I find the best travel insurance policy for my Bali trip?
The best travel insurance for Bali depends on the type of holiday you have planned. Consider the following factors when choosing a policy:
- Where else are you going? Are you travelling 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?
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 travelling 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.
- Combine coverage. Travelling 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 save money.
- Choose the right level of cover. Before choosing a comprehensive travel insurance policy, consider whether you might be satisfied with the cover offered by a cheaper basic policy. At the same time, make sure you only pay for the extra-cost options you need – if you plan to spend the week relaxing on the beach, don’t bother getting coverage for bungee jumping.
Is Bali a safe destination?
The majority of travellers to Bali experience relaxing, trouble-free vacations. However, 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 about the continuing threat of terrorist attacks.
- 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 is a range of diseases you may need vaccination against before visiting Indonesia. Traveller’s diarrhoea is also a common problem for 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.
Safety tips for Bali
Here’s how you can stay safe during your trip to Bali and minimise 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.
- 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 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 who can snatch bags right out of your hands.
- Avoid illness. Protect yourself against food-borne illness by practising 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.”
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 cover? 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.
How to make a claim on your Bali travel insurance
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:
- Fill out a claim form. This will usually be available online or can be mailed to you upon request.
- Provide supporting documentation. You will need to provide documentation to support your claim. Depending on the nature and complexity 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.
Must ReadBali ash cloud
When Mount Rinjani on the island of Lombok erupted multiple times in 2016, it caused chaos for travellers 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 travellers 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, travellers who took out a policy after the ash cloud formed were not eligible for any benefits. Look into how your insurance covers natural disasters before purchasing a policy, and always check for forecast disasters before buying a plane ticket.
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
- UK embassy and consulate. If you lose your passport, get into legal trouble or if there’s a countrywide emergency, contact the nearest UK embassy or consulate.
Bali is known as the Island of the Gods, and one look at its jaw-dropping beauty makes it clear that the name is fitting. Whether you’re spending a week trying to pack in as much adventure as possible or a few months to find peace and reconnect with yourself, pick up a travel insurance policy before you leave so that you can relax knowing you’re safe from any financial consequences.
Frequently asked questions about Bali travel insurance
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