Best Travel Insurance for Bali

Best travel insurance for Bali

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Searching for the best travel insurance for Bali can seem confusing! After I suffered a stroke in 2016, you can check out my stroke story here, the days were gone where I could just use any company that had cheap travel insurance to Bali.

When you are traveling Bali, travel insurance is a must and should be one of the first things you book for your holiday overseas. To be left with a huge medical bill or no support would be devastating especially when travel insurance is so affordable. This post will go through all you need to know about purchasing your next travel insurance policy to Bali. For more info on all things Bali related check out our Ultimate Guide to Bali.

What is the Best Travel Insurance for Bali?

When it comes to travel insurance, Bali has it own set of risks which need to be taken into consideration when your are determining the best Bali insurance.

In order to help you work out which is the best insurance for Bali for your trip, I have put this guide together which provides an overview of what I consider to be some of the best polices when it comes to good travel insurance for Bali.

In this best travel insurance for Bali reviews, I look at some of the general risk factors you should ensure you are covered for when traveling to Bali as well as compare some of the available policies. 

Please note: You should not take the information contained within this article as individual advice.  This is a brief overview of the policy options available and it is highly recommended that you consider your own individual circumstances before purchasing a Bali insurance policy.

This guide has a range of travel insurance companies that may only be suited to Australian families. If you are from elsewhere in the world, check to see if the policies will be right for your circumstances.

Travel Insurance Bali – Compare the Policies

The table below provides a quick overview of the holiday insurance Bali policies covered in this guide.  Use this travel insurance Bali compare table as a quick way to compare the polices covered.

For more information on each of these holiday insurance Bali policies, read the full review below and check the providers product disclosure statements.

TRAVEL INSURANCENATURAL DISASTER/CIVIL UNRESTMEDICALCANCELLATIONSLOST/STOLEN LUGGAGEPRICE - AUD*CHECK THE PRICE
Travelcard$100,000**UnlimitedUnlimited$20,000$303.78Check the Price
Cover-MoreUnlimited**UnlimitedVaries on policy$15,000$243.00Check the Price
HBF PlatinumUnlimited**UnlimitedUnlimited$15,000$206.00Check the Price
One Cover$50,000**UnlimitedUnlimited$15,000$134.86Check the Price
Allianz$100,000**UnlimitedVaries on policy$20,000$146.99Check the Price
Travel Insurance DirectUnlimited**UnlimitedUnlimited$24,000$138.60Check the Price
Fast Cover$50,000**UnlimitedUnlimited$30,000$121.90Check the Price
Australia Post$100,000**UnlimitedUnlimited$7,500$176.00Check the Price
MedibankUnlimited**UnlimitedUnlimited$8,000$190,00Check the Price
AAMIUnlimited**UnlimitedUnlimited$12,000$136.99Check the Price

*The price is based on a family of 4 (2 adults and 2 children traveling to Bali during the period of 1 June to 15 June 2019)

** Unless event occurred prior to the purchase of the policy.

Things to Consider when Determining What is the Best Travel Insurance for Bali

  1. Bali Risk Factors

Whilst overall Bali is a very safe destination to visit, like most destinations it isn’t without its own risk factors.  If you are concerned about any of these particular risks, you should ensure the travel policy you take out will cover you should these issues arise.

Below I have listed some of the risk factors you should consider when traveling to Bali.

Bali Ash Cloud

Over the last few years, one of the biggest concerns for people traveling to Bali is whether they can get Bali volcano insurance.  With Mount Agung erupting multiple occasions over the past few years, people are understandably concerned about being stranded.

The eruptions have caused an ash cloud which has resulted in cancelled flights and had thousands of travelers being prevented from both arriving in Bali as well as leaving Bali.  This of course has led to holiday makers being thousands of dollars out of pocket. We were very lucky to get out in 2017 after the airport had been closed for 2 days.

In terms of travel insurance – Bali volcano coverage – it’s essential you check that your policy provides cover for natural disasters. Getting confirmation of coverage they provide should be done over email and not just verbally. Some policies will cover you if you have purchased the policy prior to the event occurring.

If there is a threat of an eruption before you arrive in Bali, be sure to check with your insurance provider before leaving to check you have Bali ash cloud insurance cover.

Mt Agung Bali
View from Padma Ubud of Mt Agung letting off some steam in 2017

Driving in Bali

Many travelers in Bali often hire either cars, motorbikes or scooters.  Whilst many outlets in Bali will happily hire you these vehicles, it doesn’t mean you are covered by your travel insurance policy in the case of an accident.  In fact in general 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 on driving in Bali and want to ensure you are covered make sure you obtain an international license and don’t drive vehicles which you don’t have a license for.  If you are licensed to drive such vehicles, also ensure you follow all the road rules including wearing helmets on motorbikes and scooters.

Check also that your insurance policy doesn’t require full motorcycle clothing to be covered something that would be very difficult in Bali! They often also require for 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 in order to have travel insurance that covers scooters in Bali, in most cases you will need to have a license to do so both in your home country as well as internationally.

Bali Health Issues

Many travelers take vaccinations as a precaution to prevent themselves becoming ill in Bali.  Diseases that you may consider receiving vaccinations for include Hepatitis A and B, measles and typhoid. Please chat to 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 Bali coverage so you are covered if you need medical attention.  However there are differences between each policy so read the fine print carefully.

Bali Water Sports

Many travellers when going to Bali like to take part in various water sports such as surfing, parasailing, jet skiing, rafting or snorkeling.  Unfortunately, activities like this also come with risk, and on the very odd occasion 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 concerned about whether you are covered or not, be sure to read the fine print of your policy.

Best travel insurance for Bali
Snorkeling in Bali

Bali Political Unrest

In most cases insurance policies will cover you if political unrest occurs in Bali.  This includes trip cancellation fees prior to going to Bali as well as assisting you return home should disruption occur whilst you are already in Bali.

If political unrest occurs before you arrive in Bali, be sure to check with your insurance provider before leaving to check what you are covered for.

Bali Terrorism

Its unfortunate, but in this day and age terrorism is a risk in most destinations.  Currently the Australian government advises to exercise 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, be sure to 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.

Travel Insurance Direct

  1. Common Items Covered by Bali Insurance

Below is a list of standard items that are usually covered by travel insurance for Bali holiday.  Where the difference lies between each policy is in the finer detail in terms of just 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 make sure you understand what you are exactly 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 and you need to 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 loose from cancelling your trip 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 are covered to 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.
Mountain Buggy Nano
Flying to Bali in 2018
  1. What is Excluded from my Policy?

Don’t think for a minute just because you have taken out a travel insurance policy you are covered for anything that goes wrong on your trip.  There are many instances where you may not be covered, so be sure to read all of 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 conditions that flare up during your trip are not covered. If you have a pre-exisiting medical condition speak to the travel insurance provider about this. You more than likely will have to pay extra to get a pre-exisiting medical condition covered and some won’t be able to get coverage for that condition from any insurance policy.
  • 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.
  • 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 in pregnancy but often will not cover for 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.

Ubud medical clinic

How Much is Travel Insurance to Bali?

So I guess you’re next question is how much is travel insurance to Bali?  Well that depends on quite a few things, like how many people are going, how long you are going, pre-exisiting medical conditions etc.  It also depends quite a lot on which provider you go with.

One thing is for sure, I don’t necessarily recommend you go for the cheapest travel insurance Bali offers.  Whilst in some cases cheap travel insurance to Bali from Australia can provide everything you need, often you really do get what you pay for.

In the table above, I’ve included some basic costs of the various policies covered in these travel insurance Bali reviews.

Best Travel Insurance for Bali Reviews 2019

Below I’ve provided a brief overview of 10 different travel insurance policies you may wish to consider for your Bali trip.

  1. TravelCard Insurance Bali

For travel insurance to Bali from Australia, TravelCard Insurance is a popular choice and one that I have personally used in the past.

In terms of travel insurance for Bali volcano eruption coverage – TravelCard is one of the best.  Provided you have already taken out your policy, should an eruption occur you are covered.  However travel insurance covering Bali volcano is not provided should you take out the policy once an eruption has occurred or is likely to occur.  Contact TravelCard directly for any questions about this and to get confirmation in writing.

I also like TravelCard as they provide coverage for a wide range of activities that many travelers participate in whilst in Bali.  Activities covered include rafting, jet skiing, kayaking, snorkeling and much more.

Coverage for riding motor bikes and scooters is provided if you hold the appropriate Bali driving license and if you ride a motorcycle over 125cc you must also hold the equivalent Australian full motorbike license.  However you are not covered for any damage to the motorbike, any other property or injury to any person as a result of riding the vehicle.

A summary of the features of this policy include:

  • Unlimited medical expenses including evacuation and return home (excluding certain pre-existing medical expenses)
  • Unlimited cancellation fees for unforeseen circumstances (excluding any acts of terrorism)
  • Up to $100,000 per family for disruption expenses related to civil protest, weather, natural disaster or accident
  • Up to $20,000 for loss of luggage and person effects
  • Up to $250 for each 12 hours you are delayed (excluding any acts of terrorism)

TravelCard PDS details

  1. Cover-More Insurance Bali

If you are wanting insurance that is not quite as expensive but still cover some essentials, then look into Cover-More travel insurance Bali – a popular choice for many. With its cancellation policy that covers natural disasters, this policy would tick the box for Bali volcano insurance cover. Just remember if you purchase the policy after the event then it won’t be valid like the current simmering of Mt Agung.

The policy offers two alternatives for international travel – you can either choose the premium cover which offers a more comprehensive cover which gives you peace of mind when travelling – it includes medical, lost luggage and travel documents, activities and much more.

If you are wanting a more basic option then Cover-More insurance Bali also offers a medical only policy which includes unlimited overseas Bali medical insurance and dental coverage – which could be vital while traveling overseas.

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, snorkeling 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.

A summary of the features of this policy include:

  • Unlimited medical and dental expenses (excluding particular pre-existing conditions)
  • Up to $15,000 for luggage and document loss or damage
  • Up to $750 for delayed luggage allowance
  • Up to $5000 for expenses incurred from hijjacking
  • Up to $2000 for expenses incurred for any travel delay
  • Unlimited cancellation fees for unforeseen circumstances (excluding any acts of terrorism)
  • Unlimited expenses for expenses incurred to civil protest, weather, natural disaster or accident

Cover-More PDS

BUY COVER-MORE TRAVEL INSURANCE

  1. HBF Travel Insurance Bali

Another great option with a few extra features is HBF travel insurance Bali.  These guys have a few different cover options including unlimited cancellation. This part of the policy could double as travel insurance that covers Bali ash cloud. The policy also covers items such as losing your luggage, a range of activities and of course the vital medical and dental emergencies you may have while on holidays.

HBF gives you some choice in which policy you take out – from the platinum policy which is the gold standard option, to the premium policy which is a happy medium, you can also go with the essentials cover if you’re after the cheapest travel insurance – Australia to Bali.

One of the best things about the platinum cover is how many great activities it covers – it will really give you peace of mind and you can just get on with enjoying your holiday. Some sports and activities the policy will cover at no extra cost include overnight fishing trips, snorkeling and you could even give cave tubing a go!

There are some activities that can be covered with extra costs – the PDS will provide you with all the information you need. HBF will cover you for a motorcycle or moped, you must make sure you have an Australian license and for passengers that the person in control of the bike has a valid license in Bali.

A summary of the features of the platinum policy include:

  • Unlimited medical and hospital expenses
  • Up to $15,000 for lost or stolen luggage
  • Unlimited emergency expenses for things like severe weather, natural disasters or civil commotion
  • Unlimited medical expenses including evacuation and return home (excluding certain pre-existing medical expenses)
  • Unlimited cancellation fees for unforeseen circumstances (excluding any acts of terrorism)
  • Unlimited expenses for costs incurred for disruption expenses related to civil protest, weather, natural disaster or accident

HBF PDS

  1. One Cover Bali Insurance

A policy which is great value for money is One cover Bali insurance which is a great option for many families. The comprehensive policy is the most popular and cost effective, however you also can choose from the frequent traveler policy (up to 21 days) and the more basic essentials policy which is more appropriate for those who are wanting a medical only and are not wanting all the bells and whistles of a more comprehensive policy.

The comprehensive policy covers all the traditional items such as medical, dental, luggage and much more but it also includes over 100 activities. It also offers cover on cancellations in which natural disasters and civil unrest come under, this could be the ash cloud Bali insurance you are looking for.

Some of the included activities are surfing, rafting and snorkeling. If you want to give some extreme sports a go like Bungee jumping, then 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 drivers 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.

A summary of the features of this policy include:

  • Up to $5000 for expenses relating to credit card fraud & replacement
  • Up to $50,000 per person for additional costs incurred due to civil unrest and natural disaster
  • Unlimited expenses for overseas medical and hospital expenses, includes $1000 for dental
  • Unlimited medical expenses including evacuation and return home (excluding certain pre-existing medical expenses)
  • Unlimited cancellation fees for unforeseen circumstances (excluding any acts of terrorism)
  • Up to $15,000 for loss of luggage and person effects

1Cover PDS

  1. Allianz Travel Insurance Bali

One of the most popular policies people like to go with is Allianz travel insurance Bali – Allianz is a well-known company that many people trust. The Allianz travel insurance Bali volcano cover is another reason why many travelers go with Allianz.

Their policy is a very comprehensive one as it covers important items such as lost luggage, medical & dental expenses, medical emergencies and even cancellations, this could be the ash cloud Bali travel insurance you just might need. Just be sure to read the PDS to make sure you understand what events are covered.

If you are going to Bali to experience some of the amazing activities, then you are in luck as this policy covers a huge range of activities like surfing, snorkeling and much 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 has an engine of less than 250cc.  For passengers the person in control of the bike must hold a valid license in Bali.

A summary of the features of this policy include:

  • Unlimited medical expenses including evacuation and return home (excluding certain preexisting medical expenses)
  • Coverage for cancellation fees (value varies on policy) for unforeseen circumstances (excluding any acts of terrorism)
  • Up to $100,000 for expenses incurred for natural disasters or civil protest
  • Up to $1000 for emergency dental expenses
  • Up to $4000 per family for travel delay expenses
  • Up to $500 for theft of cash per family
  • Up to $20,000 for loss of luggage and person effects

Allianz PDS

  1. Travel Insurance Direct

If you are looking for a comprehensive policy, then Travel insurance Direct Bali will you have you covered! Included in their policy are items such as additional expenses/medical evacuation which includes 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 have 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.

Travel Insurance Direct

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.

A summary of the features of this policy include:

  • Up to $18,000 loss of income as a result of an injury during your trip
  • Unlimited medical expenses including evacuation and return home (excluding certain pre-existing medical expenses)
  • Up to $4,000 travel delay per family
  • Up to $24,000 per family luggage and personal effects
  • Unlimited cancellation fees for unforeseen circumstances (excluding any acts of terrorism)
  • Unlimited expenses for costs incurred for disruption expenses related to civil protest, weather, natural disaster or accident

TID PDS

BUY TRAVEL INSURANCE DIRECT

  1. Fast Cover Travel Insurance

If you want the peace of mind of coverage for a range of inclusions, then the Fast Cover Travel Insurance Bali could be the right policy for you. They cover natural disasters, as long as it does not occur prior to you travelling, so if you were wondering will Fast Cover travel insurance cover Bali volcano eruptions, this may be your answer. They do currently have an alert on their website about not covering Mt Agung but that may lift at any time so contact them for details.

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 traveling to Bali, you will want to enjoy many water sports and activities. Particularly when traveling 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 like snorkeling, 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

A summary of the features of Fast Cover Comprehensive policy include:

  • Unlimited medical expenses including evacuation and return home (excluding certain pre-existing medical expenses)
  • Unlimited cancellation fees for unforeseen circumstances (excluding any acts of terrorism)
  • Up to $100,000 for expenses incurred due to natural disasters or civil unrest per family
  • Up to $30,000 for lost or stolen luggage
  • Up to $250 per family for stolen cash
  • Up to $1000 for emergency dental treatment

FAST COVER PDS

BUY FAST COVER TRAVEL INSURANCE

  1. Australia Post Travel Insurance Bali

You wouldn’t think so but Australia Post also does travel insurance! If you like the comfort of going with a name you trust then you should consider the Australia post travel insurance Bali for your travel insurance. It covers all the usual such as expenses incurred due to unforeseeable circumstances out of your control such as civil commotion and natural disasters so is another good one for travel insurance to cover Bali ash cloud.

Australia Post’s comprehensive cover looks after you in many different ways – from medical, to losing your baggage to the activities you choose to do whilst in Bali.

Included in the policy without costing any extra, are activities you will love in Bali such as kayaking, parasailing, jet boating, snorkeling and more – what better way to explore Bali and all with the peace of mind of being covered – accidents and all!

This policy does not provide covered for mopeds and motorbikes regardless of whether you are the driver or passenger, however there is the option to take out additional coverage to be covered.

A summary of the features of this policy include:

  • Unlimited cancellation fees for unforeseen circumstances (excluding any acts of terrorism)
  • Up to $100,000 in expenses for costs incurred for disruption expenses related to civil commotion, natural disaster or accident
  • Unlimited medical expenses including evacuation and return home (excluding certain pre-existing medical expenses)
  • Up to $250 for loss of money
  • Up to $7,500 for luggage and personal effects
  • Up to $5000 for travel documents
  • Up to $5000 for hospital incidentals

Auspost PDS

  1. Medibank Travel Insurance Bali

One of the more well know insurance policies is of course Medibank travel insurance Bali – many Australians choose to go with this policy as it is a trusted fund. The Medibank policy also has the added bonus of travel insurance covering Bali ash cloud.  They even cover tsunamis, earthquakes and floods.

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.

Some of the fantastic activities you will want to experience are automatically covered on this policy, including surfing, snorkeling or for some adventurous families even white water rafting and bungee jumping are covered.

The standard Medibank Travel insurance doesn’t offer any cover for those wanting to be covered for riding 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 also.  The motor bike must also have an engine capacity of 200cc or less.

A summary of the features of this policy include:

  • Unlimited medical expenses including evacuation and return home (excluding certain pre-existing medical expenses)
  • Up to $2000 travel delay expenses
  • Up to $5,000 travel documents, credit cards and travelers’ cheques
  • Unlimited cancellation fees for unforeseen circumstances (excluding any acts of terrorism)
  • Unlimited expenses for costs incurred for disruption expenses related to civil commotion, weather, natural disaster or accident
  • Up to $8,000 for loss of luggage and person effects

Medibank PDS

  1. AAMI Travel Insurance Bali

Lastly, you may want to use AAMI travel insurance Bali as they do offer a good all round coverage for your trip to Bali. AAMI are one of the policies that have unlimited cancellation for natural disasters so it should it also provide insurance for Bali ash cloud.

AAMI travel insurance will cover you for many of the activities and sports you and your family may want to participate in while in Bali. Some of these include snorkeling, surfing, paddleboarding and many others. However, some such as scuba diving will need extra cover.

Importantly, AAMI will cover you if you are unlucky enough to have to cancel due to a natural disaster or any kind of civil or community unrest. Just make sure you check before you leave as it is not covered if you are aware prior to you leaving Australia.

Coverage is also provided for claims arising from riding a motorcycle provided the engine has a capacity of 200c or less and you hold a current Bali motorcycle license as well as an Australian license.

A summary of the features of this policy include:

  • Unlimited medical expenses including evacuation and return home (excluding certain preexisting medical expenses)
  • Unlimited expenses for any costs incurred for natural disasters or civil protest
  • Up to $12,000 for loss of luggage and person effects
  • Unlimited expenses for cancellation fees for unforeseen circumstances (excluding any acts of terrorism)

AAMI PDS

 

I hope this helps in choosing which travel insurance you will choose for your next Bali family holiday. Thank goodness we have never had to claim on our travel insurance but it’s so important to know that the company that you choose will look after you!

Kate xx

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