Compare travel insurance for Bali

Spotless beaches, hot spring retreats and historical royal palaces – just three reasons why Bali attracts millions of tourists each year. Here’s how to find the right travel insurance ahead of your trip to this stunning Indonesian island.

Spotless beaches, hot spring retreats and historical royal palaces – just three reasons why Bali attracts millions of tourists each year. Here’s how to find the right travel insurance ahead of your trip to this stunning Indonesian island.

Coronavirus (COVID-19) update: please check the latest government travel advice that sets out what you need to do, if anything, before you travel abroad and before you return home. You should also check the latest travel advice and entry requirements for each country you visit or transit through. Travel rules can change at short notice, so check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

Josh Daniels
Travel Insurance expert
4
minute read
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Posted 30 MARCH 2020 Last Updated 9 FEBRUARY 2022

Do I need travel insurance for Bali?

Travel insurance is a must if you’re travelling to Bali or any other part of Indonesia. Good medical care can be very expensive there, so you’ll need to make sure you’re covered in case you fall ill or have an accident. Plus, you’ll want to ensure you’re not out of pocket if your possessions are stolen or your trip is cancelled.

Customers with more serious pre-existing medical conditions

If you have a serious health condition, the price you pay for travel insurance is likely to be more expensive. However, there are still many providers out there and you should be able to find affordable cover. Whatever happens, don’t be tempted to lie to an insurance provider, because if you do and then need to make a claim, it could be rejected.

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

How much is travel insurance for Bali?

How much you’ll pay for travel insurance for Bali depends on a few factors, including how long you’re going for and what activities you want to take part in while you’re away.

You’ll need worldwide travel insurance for your trip to Bali. A standard policy should cover you for up to 30 days, but if you’re planning a longer trip you may need to look at backpacker insurance.

The price for travel insurance will also vary per policy, depending on the level of cover you want. When you search for a travel insurance quote with us, we’ll ask you how much cover you want for cancellation, medical treatment and loss of luggage. We’ll also ask how much excess you want to pay if you need to make a claim.

What will Bali travel insurance cover?

A standard travel insurance policy for Bali will typically include:

  • Medical treatment – the right treatment may not be available in your location and the cost of medical evacuation can run into tens of thousands of pounds. Travel insurance can cover your for private treatment and repatriation to the UK. You might want to look for a policy with high cover limits for medical treatment.
  • Lost, stolen or damaged luggage – to cover the cost of replacing your clothes, personal possessions and gadgets. Make sure the overall cover limit is right for you and also check the limit for single valuable items.
  • Holiday cancellation cover – if you have to cancel or cut short your trip because of unforeseen circumstances, like a sudden accident, illness or the loss of a loved one, cancellation cover can ensure you’re not out of pocket.
  • Flight cancellations and missed connections – to cover your costs if you have to cancel your flight or it’s cancelled by the airline.
  • COVID-19 The most comprehensive COVID-19 cover could help you recoup the costs if you test positive before you travel and need to cancel, and it could also help with medical care, accommodation costs and other expenses if you’re exposed to coronavirus while you’re away. It’s easy to compare levels of COVID-19 cover when you get a quote with us. Just use the ‘more details’ option on the quote results page.

Travel insurance policies can vary greatly, so it’s important to read the fine print carefully before you buy and make sure you know exactly what’s covered and what’s not.

Coronavirus requirements for Bali
Details on COVID-19 vaccination and testing requirements for Bali and the rest of Indonesia can be found on the GOV.UK website.

What won’t Bali travel insurance cover?

Keep an eye out for these typical exclusions when you’re comparing travel insurance for Bali:

  • Undeclared existing medical conditions – if you don’t disclose an existing medical condition to your insurance provider, you won’t be covered for any related treatment and your insurance policy may be invalidated. So, it’s best to be up front about any health issues. We’ll only show you quotes from insurance providers who will cover your declared medical conditions.
  • Injuries sustained under the influence – your travel insurance will not cover the cost of treatment if you’re injured while under the influence of drugs or alcohol.
  • Terrorism and civil unrest – although the Foreign, Commonwealth & Development Office (FCDO) considers terrorism a threat in Indonesia, most travel insurance policies to Bali won’t cover cancelled or disrupted travel plans caused by acts of terrorism.
  • Natural disasters – travel insurance will often exclude compensation for cancelled or delayed flights because of extreme weather or natural catastrophes. Indonesia is in the Pacific Ring of Fire, where earthquakes and volcanic eruptions are a part of life. There’s a few active volcanoes in Bali – and many more in Indonesia – and eruptions do happen. In June 2018, a volcano in East Bali called Mount Agung erupted and caused the airport to close, ruining holiday plans and leaving travellers stranded.

So, for peace of mind, you may want to choose a travel insurance policy that includes travel disruption cover or natural catastrophe cover.

What else should I consider when I choose my travel insurance?

The type of cover you need for travelling in Bali depends on what you plan to do while you’re away. You may be able to add cover for sports and adventure activities to your travel insurance policy for an extra cost or you can look for a specialist policy.

If your plans change while you’re away and it looks like you’ll need extra cover, contact your insurance provider to see if you can amend your policy.

For adventurous activities, like white-water rafting or bungee jumping, you’ll need to consider adventure travel insurance.

Diving is popular in Bali, so you may need water sports insurance.

If you’re planning on doing unpaid work in Bali, you may want to look at volunteer travel insurance.

Do I need a visa for Bali?

Brits can visit Bali for up to 30 days without a visa. If you intend to stay between 30 and 60 days, you’ll need to apply for a visa before you travel. Find out more about applying for a visa to Bali. Also, your passport will need to be valid for at least six months after you arrive in Bali.

Any other travel tips for Bali?

Vaccinations: You should see your doctor four to eight weeks before your trip – they might advise you to have specific vaccines against hepatitis A, tetanus and typhoid. See our guide to travel vaccinations.

Climate: Bali has a tropical climate all year round. June, July and August tend to offer the most pleasant weather for visitors, but they’ll also be the busiest times.

Time difference: The island is eight hours ahead of Greenwich Mean Time (GMT).

Drugs: Indonesia has a zero-tolerance policy towards possession of illegal drugs and if you’re caught you could face a lengthy prison sentence. Police have been known to raid tourist hotspots in Bali and may force you to take a drug test, so don’t risk it.

Religion and local customs: Indonesia is predominantly Muslim and to avoid causing offence, women should avoid wearing skimpy clothing in public – even in tourist spots like Bali. Both women and men should cover up and behave respectfully if they plan on visiting any religious sites, and women will also need to cover their hair.

Zika virus: There is a risk of Zika virus in Indonesia, including in Bali. If you’re currently pregnant or you’re hoping to get pregnant soon, you may want to consider avoiding or postponing travel to Bali.

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