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Updated March 2026
Searching for the best travel insurance for Bali can seem confusing! After I suffered a stroke in 2016 the days were gone when I could use any travel insurance company that had cheap travel insurance to Bali.
When you travel to Bali, travel insurance is a must and should be one of the first things you book for your holiday overseas. Being left with a huge medical bill or no support would be devastating, especially when travel insurance is so affordable. This post will cover everything you need to know about purchasing your next travel insurance policy for Bali. For more info on all things Bali-related, check out our Ultimate Guide to Bali.
What is the Best Travel Insurance for Bali?
Regarding travel insurance, Bali has its own set of risks to consider when determining the best insurance for Bali.
I have put together this guide to help you decide which insurance is best for your trip to Bali. It provides an overview of what I consider to be some of the best policies.
In this best travel insurance for Bali review, I look at some general risk factors you should ensure you are covered for when travelling to Bali and compare some of the available policies.
Please note: You should not take the information in this article as individual advice. This is a brief overview of the available policy options, and it is highly recommended that you consider your individual circumstances before purchasing a Bali insurance policy.
This guide offers a range of travel insurance companies that may only suit Australian families. If you are from elsewhere, check whether the policies suit your circumstances.
Things to Consider when Determining What is the Best Travel Insurance for Bali
- Bali Risk Factors
Overall, Bali is a very safe destination, but like most destinations, it isn’t without its risks. If you are concerned about any of these risks, you should ensure that the travel policy you take out will cover you if these issues arise.
Below are some risk factors you should consider when travelling to Bali.
Bali Ash Cloud
In recent years, one of the biggest concerns for people travelling to Bali has been whether they can get volcano insurance. With Mount Agung erupting multiple times in the past few years, people are understandably concerned about being stranded.
The eruptions have previously caused an ash cloud, resulting in cancelled flights and preventing thousands of travellers from arriving in or leaving Bali. This, of course, has left holidaymakers thousands of dollars out of pocket. We were very lucky to leave Bali in 2017 after the airport had been closed for two days.
In terms of travel insurance, it’s essential that you check that your policy provides cover for natural disasters. Coverage should be confirmed via email, not just verbally. Some policies will cover you if you purchased the policy before the event occurred.
If there is a threat of an eruption before you arrive in Bali, check with your insurance provider before leaving to ensure you have Bali ash cloud insurance coverage.
Driving in Bali
Many travellers in Bali often hire either cars, motorbikes or scooters. Whilst many outlets in Bali will happily hire you these vehicles, it doesn’t mean your travel insurance policy covers you in the case of an accident. In fact, your insurance provider will only cover you if you have an international license to drive any of these vehicles. This also includes coverage for any passengers.
If you are planning to drive in Bali and want to ensure you are covered, obtain an international driving license and don’t drive vehicles for which you don’t have a license. If you are licensed to drive such vehicles, follow all the road rules, including wearing helmets on motorbikes and scooters.
Also check that your insurance policy doesn’t require full motorcycle clothing for coverage, something that would be very difficult in Bali! They often also require you to have no alcohol in your system, so if you think it’s OK to drink and drive in Bali, it’s best to check your travel insurance policy first.
Please note that to have travel insurance that covers scooters in Bali, you will most likely need a license both in your home country and internationally.
If, like me, you enjoy riding a Gojek/Grab motorcycle as a passenger, consider adding motorcycle coverage. The ride-share companies do state they provide some coverage, but having your own travel insurance motorcycle coverage is a definite benefit. I use Covermore Motorcycle/Moped riding extra coverage.
Bali Health Issues
Many travellers get vaccinated to prevent illness in Bali. Diseases you may consider vaccinating against include Hepatitis A and B, measles, and typhoid. Please chat with your medical practitioner regarding vaccinations before you travel.
However, one of the most common illnesses people contract in Bali is known as “Bali Belly,” a form of severe diarrhea and vomiting. Most travel policies provide health insurance coverage for Bali, so you are covered if you need medical attention. However, there are differences among the policies, so read the fine print carefully.
Bali Water Sports
Many travellers who visit Bali enjoy participating in water sports such as surfing, parasailing, jet skiing, rafting, and snorkelling. Unfortunately, activities like these also carry risks, and on very rare occasions, injuries occur.
Not all Bali insurance services will cover you for injuries obtained via what they call high-risk activities. If you are planning on partaking in such activities and are concerned about whether you are covered, be sure to read the fine print of your policy.
Bali Political Unrest
Insurance policies will usually cover you if political unrest occurs in Bali. This includes trip cancellation fees before going to Bali and assistance returning home should a disruption occur while you are already in Bali.
If political unrest occurs before you arrive in Bali, check with your insurance provider before leaving to check what you are covered for.
Bali Terrorism
It’s unfortunate, but in this day and age, terrorism is a risk in most destinations. Currently, the Australian government advises exercising a high degree of caution when it comes to travel in Bali as they believe there is a high risk of a terrorist attack.
If a terrorist attack occurs before you arrive in Bali, check with your insurance provider before leaving to check what you are covered for. Unfortunately, in most cases, any costs incurred due to an act of terrorism are not covered.
- Common Items Covered by Bali Insurance
Below is a list of standard items usually covered by travel insurance for a Bali holiday. The differences between policies lie in the finer details of what exactly is covered. Don’t assume you are covered – read your policy terms and conditions. Also, discuss different scenarios with your travel insurance provider via email to ensure you understand what you are covered for.
- Overseas Medical Expenses: This covers any medical treatment you may need for an illness (such as a severe case of Bali Belly) or an injury you receive from an accident.
- Medical Evacuation Expenses: If your injury or illness is so severe that you must go home for treatment, this covers any medical evacuation costs.
- Trip Cancellation Costs: Whether you need to cancel your trip due to medical reasons or a natural disaster, this covers any money you lose, such as nonrefundable deposits.
- Lost or Stolen Luggage: This covers any items or luggage stolen or lost during your trip.
- Luggage Delay: Sometimes you arrive days before your luggage – if this happens, you can purchase anything you need until your luggage arrives.
- Personal Liability: This covers you in the unlikely event that you injure someone else during your trip.
- What is Excluded from my Policy?
Don’t think for a minute that you are covered for anything that goes wrong on your trip just because you have taken out a travel insurance policy. You may not be covered in many cases, so be sure to read the fine print.
Below is a range of instances that travel insurance providers don’t usually cover:
- Pre-Existing Medical Condition: Usually, any pre-existing medical condition that flares up during your trip is not covered. Speak to the travel insurance provider if you have a pre-existing medical condition. You will likely have to pay extra to get a pre-existing medical condition covered, and some won’t be able to get coverage from any insurance policy.
- Pandemics: Check with your travel insurance company to see if they cover cases of declared pandemics. Don’t assume that the insurance you have purchased or is through your credit card will cover you. Many insurance companies have made exemptions for COVID-19 coverage. This is important to check in the PDS, which will often only cover COVID-19 and its variants.
- You break the law: For example, as mentioned above if you drive without an appropriate license you won’t be covered by your insurance provider.
- If you have consumed alcohol: This is a grey area and something to check with the insurance companies. Often in the policy it will list that if you have consumed alcohol you are not covered.
- Injuries arising from high risk activities: As mentioned above insurance providers often have a list of activities they determine as high risk. If you partake in a high-risk activity you won’t be covered for any injuries that occur.
- Pregnancy and care of a premature baby: If you are pregnant and considering a trip to Bali you need to speak with the provider to understand what will and won’t be covered. Some policies will cover up to 30 weeks of pregnancy, but often will not cover the medical care of the baby. I travelled to Bali when I was 18 weeks pregnant and had a great time, but I had a low-risk pregnancy and was covered by CoverMore.
How Much Does Travel Insurance to Bali Cost?
So I guess your next question is how much travel insurance to Bali is? That depends on quite a few things, like how many people are going, how long you are going, pre-existing medical conditions, etc. It also depends a lot on which provider you choose.
One thing is certain: I don’t necessarily recommend you go for the cheapest travel insurance Bali offers. Sometimes, cheap travel insurance to Bali from Australia can provide everything you need. Often, you do get what you pay for.
Kate’s Top Travel Insurance Tip
Best Travel Insurance for Bali Reviews 2026
Below, I’ve provided a brief overview of travel insurance policies you may wish to consider for your Bali trip. It is important that you obtain quotes and review the PDS documents to ensure the policy covers your circumstances.
The company offers three alternatives for international travel. You can choose the premium cover, which offers more comprehensive protection and gives you peace of mind when travelling. It includes medical insurance, lost luggage and travel documents, activities, and much more. They also have a premium cover plus policy that covers $5000 amendment or cancellation costs if you or your loved one were to be diagnosed with COVID more than 21 days before your trip was due to depart.
Cover-More Travel Insurance
Cover-More Insurance Bali offers a more budget-friendly policy that includes some COVID coverage if you want a more basic option. Check out Cover-More for more details.
A great feature of the premium policy is the activities it covers – especially important if you are a bit of a daredevil or are up for a challenge! Exciting activities such as bungee jumping, snorkelling and many more are included.
You can obtain cover if you want to ride a motorcycle and moped around Bali, however you will need an Australian license and the moped or motorcycle must be 200cc or less and you will need to add it on to your policy, for an additional cost.
Cover-More PDS
One Cover Bali Insurance
A policy that offers great value for money is One Cover Bali insurance, a great option for many families. The comprehensive policy is the most popular and cost-effective. However, you also can choose from the frequent traveller policy (up to 21 days) and the more basic essentials policy, which is more appropriate for those who want medical only and do not want all the bells and whistles of a more comprehensive policy. It’s worth noting that they only cover pregnancy till 24 weeks for a single baby and won’t cover if the baby is born overseas.
All policies now cover COVID-19 overseas medical claims. This coverage extends only to emergency medical assistance, overseas emergency medical and hospital expenses, hospital cash allowance, and repatriation of remains.
The comprehensive policy covers all the traditional items, such as medical, dental, and luggage, as well as over 100 activities. It also offers coverage for cancellations caused by natural disasters and civil unrest, which could be the ash cloud Bali insurance you are looking for.
Surfing, rafting, and snorkeling are some of the included activities. If you want to try some extreme sports, like Bungee jumping, OneCover can also cover you; however, you will need to take out an add-on policy.
Coverage is also provided for claims arising from riding a motorcycle, moped or scooter provided you hold a current Australian motorcycle or driver’s license and the moped or scooter has an engine of less than 50cc. For passengers the person in control of the bike must hold a valid license in Bali.
1Cover PDS
AllClear Travel Insurance Bali
AllClear Travel Insurance is a great option if you have medical conditions you need coverage for. The Gold is the most popular product for whole-family coverage.
If you are going to Bali to experience some amazing activities, you are in luck, as this policy covers a wide range of activities, including surfing, snorkelling, and more.
Coverage is also provided for claims arising from riding a motorcycle, moped, or scooter, provided you hold a current Australian motorcycle or driver’s license and the moped or scooter and are wearing a helmet at the time of the accident. For passengers, the person in charge of the bike must hold a valid license in Bali.
AllClear Travel Insurance PDS
Travel Insurance Direct
If you are looking for a comprehensive policy, then Travel Insurance Direct Bali will have you covered! Their policy includes items such as additional expenses/medical evacuation (including natural disasters; it could come in handy and provide you with Bali ash travel insurance) and cancellation costs for things that are out of your control.
We previously used Travel Insurance Direct on multiple trips to Bali, and they often offer great discounts. They were great to deal with, covered a good amount and, best of all, were reasonably priced. They no longer can cover me for stroke, hence why I have to source insurance elsewhere.
Included without any extra cost are activities you may want to give a try while in Bali such as canoeing, bungee jumping, jet skiing and about another 80 more! If there are any sports or activities that may not be covered, you can purchase add ons to your policy which will then cover you – peace of mind so you can get on with enjoying your holiday.
Coverage is also provided for claims arising from riding a motorcycle, moped or scooter provided you hold a current Australian motorcycle or driver’s license as well as a valid license in Bali.
TID PDS
BUY TRAVEL INSURANCE DIRECT
Fast Cover Travel Insurance
If you want the peace of mind that comes with coverage for a range of inclusions, the Fast Cover Travel Insurance Bali could be the right policy. They cover for Covid medical expenses that are deemed reasonable and this document covers the details you need regarding Covid.
The policy also covers events such theft, medical expenses, loss of baggage and documents, and many more that will give you the peace of mind to allow you to enjoy your time away.
When travelling to Bali, you will want to enjoy a variety of water sports and activities. Particularly when travelling with children, you will want to know that you and your family are covered while enjoying these experiences. This policy will cover many activities in Bali, such as snorkelling, surfing, and even scuba diving. There is also an adventure pack that you can purchase for activities that aren’t automatically covered.
Coverage is also provided for claims arising from riding a motorcycle, moped or scooter provided you hold a current Australian motorcycle or driver’s license as well as a valid license in Bali like an international drivers license. You will not be covered if you have consumed any alcohol or are not wearing a helmet
FAST COVER PDS
Medibank Travel Insurance Bali
One of the better-known insurance policies is, of course, Medibank Travel Insurance Bali – many Australians choose this policy because it is a trusted fund. The Medibank policy also offers the added benefit of travel insurance that covers COVID-related medical expenses and may cover non-refundable cancellation costs.
You have the choice of either the international comprehensive single trip or the international medical single trip which is more of a basic level of cover. The comprehensive cover is certainly the more popular policy for families as covers a wide range of activities and medical emergencies.
This policy automatically covers some of the fantastic activities you will want to experience, including surfing, snorkelling, and, for some adventurous families, whitewater rafting and bungee jumping.
The standard Medibank Travel insurance doesn’t offer coverage for those wanting to ride motorcycles or mopeds, but you can pay an additional premium for coverage. For this additional coverage, you must hold an Australian motorcycle license and a valid license in Bali. The motorbike must also have an engine capacity of 200cc or less.
Medibank PDS
Other Travel Insurance Companies that are covering for Covid Medical Expenses are:
Important things to remember if you need to claim
We all hope we have a hassle-free Bali holiday and don’t need to use our Bali travel insurance. Here are some tips on things you need to do:
- Before you leave on your trip make copies of your travel insurance documents. Give each adult in your travelling party a copy, and also give one to a family member or friend in your home country. I use my laminator to ensure it doesn’t get wrecked during our travels! This will have contact details for how to contact your insurance company while in Bali
- Also, save it to your phone just in case you don’t have mobile phone service in Bali
- If you need to go to a doctor or the hospital, take a copy of your insurance. It is worth taking cash or a card to pay a deposit if needed; some travel insurance companies will look after this, so double-check with them first
- Keep all receipts you think you need to help with your claim. Also, if you make a police report, get a copy of your statement
I hope this helps you choose the right travel insurance for your next family holiday to Bali. We have easily claimed through Cover-More when Mason had an ear infection while we were in Bali and it was super easy to complete. We highly recommend using Cover-More.
Feel free to join our Facebook Group if you need more tips on travelling to Bali with Kids. Our Where to Stay in Bali With Kids guide is also super helpful.
Kate xx
Disclaimer: This post contains affiliate links, and if you click on these links and purchase any products, we will receive a small commission at no extra cost to you. We do not represent any of the travel insurance companies and this is for information purposes only.
