Planning a Bali holiday? From relaxing in Seminyak and exploring Ubud to surfing in Uluwatu, diving in Nusa Penida or getting around on a scooter, Bali offers plenty to do. But an unexpected illness, accident, cancelled trip or lost luggage can quickly become expensive.
That is why choosing the best travel insurance for Bali is worth doing before you leave.
There is no single policy that is automatically the best for every traveller. The right option depends on your age, trip length, budget, medical needs and, importantly, what you plan to do in Bali.
For Australian travellers, the most important things to compare are usually overseas medical cover, emergency assistance, cancellation benefits, luggage limits, pre-existing medical condition cover and scooter or motorcycle conditions. Australia’s Medicare system does not cover you in Bali, and insurer policies can differ significantly in what they include or require.
In this guide, we compare some of the best-known travel insurance options for Bali and explain what to look for before buying a policy.
Please note: Travel insurance benefits, limits and exclusions can vary between policies and may change over time. Always check the latest Product Disclosure Statement (PDS) and policy wording to make sure the cover is suitable for your trip.
Quick Answer: What Is the Best Travel Insurance for Bali?
The best travel insurance for Bali is one that matches your actual itinerary rather than simply being the cheapest policy.
For example:
| Provider | May Be Best For | Bali-Specific Feature to Check |
| Cover-More | Travellers wanting flexible add-ons | Motorcycle/moped and adventure cover options |
| 1Cover | Travellers wanting comprehensive or medical-only options | Scooter and activity conditions |
| AllClear | Seniors and travellers with pre-existing medical conditions | Medical condition assessment |
| Travel Insurance Direct | Travellers comparing different cover levels | Cancellation and disruption benefits |
| Fast Cover | Travellers wanting customisable cover | Motorcycle Pack and adventure extras |
| Medibank | Comprehensive cover and medical protection | Optional motorcycle/moped cover |
| Allianz | Travellers wanting basic, comprehensive or multi-trip options | Activity and policy-specific conditions |
| RACV | Travellers wanting scooter cover included under applicable conditions | Helmet and policy requirements |
| Southern Cross Travel Insurance | Travellers comparing comprehensive and medical-only options | Optional moped/motorbike cover |
| Budget Direct | Travellers comparing Basic, Essential and Comprehensive cover | Activities and benefit limits |
The comparison below is based on current information available from the insurers’ Bali and travel insurance pages. Benefits remain subject to policy terms, conditions, exclusions, limits and eligibility requirements.
How We Compared the Best Travel Insurance for Bali
When comparing travel insurance for Bali, price should not be the only factor.
A cheap policy may have lower limits or exclude something you actually plan to do.
Here are the main things we considered.
Overseas Medical and Hospital Cover
Medical emergencies should be one of your biggest priorities.
A suitable policy may help with eligible overseas medical treatment, hospital expenses and emergency assistance. Several of the insurers compared here advertise unlimited overseas medical cover on eligible international plans, although the exact terms differ between policies.
Emergency Medical Assistance and Evacuation
If you become seriously ill or injured, you may need assistance arranging treatment or medical transport.
Look for:
- 24/7 emergency assistance
- Medical evacuation benefits
- Repatriation where applicable
- Clear instructions on when to contact the insurer
Scooter and Motorcycle Cover
This is one of the most important things to check before travelling to Bali.
Some insurers include certain motorcycle or scooter-related cover subject to conditions. Others require you to purchase an additional option or pack. Requirements relating to helmets, licences, engine capacity and local laws can also apply.
Adventure and Water Activities
Surfing, diving, trekking and other activities may be automatically included, excluded or available as an optional extra depending on the insurer and activity.
Always check your specific activity before buying.
Cancellation and Travel Disruption
If you have already paid for flights, hotels, villas or tours, cancellation cover can be important.
Some insurers allow you to select or increase cancellation cover depending on the policy. Buying insurance when you book can also provide earlier cancellation protection for eligible unforeseen events.
Luggage and Personal Belongings
Check both:
- The total luggage limit
- The individual item limit
A $10,000 or $15,000 overall luggage benefit does not necessarily mean your phone or camera is covered for its full value.
Pre-Existing Medical Conditions
If you have an existing medical condition, do not assume it is automatically covered.
Some insurers provide medical screening or specialise in covering travellers with a wider range of pre-existing medical conditions.
Best Travel Insurance for Bali:
1. Cover-More Travel Insurance
Cover-More is one of the stronger options to compare if your Bali trip involves more than simply relaxing at a resort.
Its international policies offer Basic, Comprehensive and Comprehensive+ options. The provider also offers separate cover options for motorcycle/moped riding and adventure activities. Cover-More says its international policies include overseas medical expenses and access to 24/7 emergency assistance, subject to the policy terms.
Why it may be a good choice
- Three international cover levels
- Motorcycle/moped cover options
- Adventure activity cover options
- 24/7 emergency assistance
- Annual multi-trip options for eligible travellers
Important to check
Scooter or motorcycle cover is not simply something you should assume is included. Cover-More offers specific Motorcycle/Moped Cover options, so check which level applies to your trip and whether you meet all requirements.
Best for: Travellers who want to customise their Bali travel insurance with scooter or adventure-related options.
2. 1Cover Travel Insurance
1Cover offers Bali-specific travel insurance information alongside Comprehensive, Medical Only and Frequent Traveller options.
Its Bali page highlights overseas emergency medical assistance, hospital expenses, medical evacuation and other travel benefits, subject to the policy selected. It also provides information about common Bali travel situations, including scooter riding, surfing and diving.
Why it may be a good choice
- Comprehensive and medical-only options
- Frequent Traveller policy
- 24/7 emergency assistance
- Medical condition assessment
- Optional cover for certain activities
Important to check
If you plan to ride a scooter or participate in adventure activities, read the relevant policy conditions and PDS before purchasing.
Best for: Travellers wanting to compare comprehensive cover with a simpler medical-only option.
3. AllClear Travel Insurance
AllClear is particularly worth comparing if you are a senior traveller or have pre-existing medical conditions.
The insurer states that it can assess cover for more than 1,300 medical conditions and has no upper age limit. Its Bali travel insurance page also lists unlimited medical emergency expenses and repatriation on eligible plans, together with cancellation and personal belongings benefits that vary by policy level.
Why it may be a good choice
- No upper age limit
- Specialist focus on medical conditions
- Medical screening and assessment
- 24/7 emergency medical helpline
- Multiple levels of cover
Important to check
Pre-existing medical conditions must be accurately disclosed and assessed. Do not assume that a condition is covered simply because the insurer specialises in medical travel insurance.
Best for: Seniors and travellers with pre-existing medical conditions.
4. Travel Insurance Direct
Travel Insurance Direct, often known as TID, offers Basic, The Works and Annual Multi Trip options.
Its Bali guide highlights cover options for overseas medical expenses, repatriation, baggage, cancellation and travel delays. It also discusses Bali-specific risks such as natural disasters and travel disruption.
Why it may be a good choice
- Multiple policy levels
- Medical expense cover options
- Cancellation benefits
- Baggage and valuables cover
- Annual multi-trip option
Important to check
Cancellation and interruption benefits depend on the policy terms and the event that caused the disruption. Change-of-mind cancellations are not generally covered.
Best for: Travellers wanting to compare different levels of traditional travel insurance.
5. Fast Cover Travel Insurance
Fast Cover provides several policy levels, including Comprehensive, Standard Saver and Basics Medical Only.
It also offers optional extras for travellers who need additional protection for activities or other parts of their trip. One particularly relevant feature for Bali travellers is its Motorcycle Pack.
Fast Cover states that motorcycle, moped and scooter riding is not automatically covered under its policy and that eligible travellers may need to purchase the Motorcycle Pack. Conditions relating to engine size and licensing apply.
Why it may be a good choice
- Comprehensive, Standard Saver and Medical Only options
- Motorcycle Pack
- Adventure activity extras
- Medical screening for existing conditions
- Frequent Traveller option
Important to check
If you plan to ride a scooter in Bali, make sure you understand the Motorcycle Pack requirements before renting one.
Best for: Travellers who want to customise their policy based on activities.
6. Medibank Travel Insurance
Medibank offers International Comprehensive, Annual Multi-Trip and International Medical Only options.
Its Bali page highlights unlimited overseas medical cover on eligible international policies and additional benefits that vary by plan, including cancellation cover, luggage benefits and rental car excess. Medibank also allows eligible travellers to add cover for certain activities, including motorcycle or moped riding.
Why it may be a good choice
- Comprehensive and medical-only options
- Annual multi-trip option
- 24-hour emergency assistance
- Up to $25,000 luggage cover on its International Comprehensive Plan
- Optional activity-related cover
Important to check
The level of cover varies significantly between Comprehensive and Medical Only policies.
Best for: Travellers wanting comprehensive cover with strong luggage and medical benefits.
7. Allianz Travel Insurance
Allianz offers Basic, Comprehensive and Multi-Trip travel insurance options.
Its Bali-specific page highlights overseas emergency assistance, medical and hospital expenses, cancellation benefits on eligible comprehensive plans and luggage cover.
Why it may be a good choice
- Basic option for essential cover
- Comprehensive cover for broader protection
- Multi-trip option for frequent travellers
- 24/7 emergency assistance
- Network of medical professionals
Important to check
Basic cover and comprehensive cover do not provide the same benefits. Compare the PDS carefully, especially if you need cancellation, luggage or activity cover.
Best for: Travellers who want a straightforward choice between basic and comprehensive policies.
8. RACV Travel Insurance
RACV is particularly interesting for Bali travellers because its Bali page states that motorcycle, moped and scooter cover is included at no extra cost, subject to the relevant policy conditions.
RACV also highlights unlimited hospital cover, 24-hour emergency assistance and cover for more than 30 activities under applicable international policies.
Why it may be a good choice
- Scooter and moped cover included under applicable conditions
- 24-hour emergency assistance
- Unlimited hospital cover
- Sports and activities included subject to criteria
- Multiple international cover levels
Important to check
You must still meet the policy requirements. RACV specifically notes helmet requirements when riding or travelling as a passenger on certain vehicles.
Best for: Bali travellers planning to use scooters or motorcycles who want to compare a policy where this cover may be included rather than purchased as a separate add-on.
9. Southern Cross Travel Insurance
Southern Cross Travel Insurance, or SCTI, offers International Comprehensive, Annual Multi-Trip and Medical Only travel insurance.
Its Bali page specifically discusses common risks such as food poisoning, road accidents, theft and volcanic activity. It also offers optional moped and motorbike-related cover.
Why it may be a good choice
- Comprehensive and medical-only options
- Annual multi-trip cover
- Cover options for existing medical conditions
- Optional moped and motorbike cover
- 24/7 emergency assistance
Important to check
SCTI warns that your cover may be affected by government travel advisories. Check Smartraveller advice before purchasing and before travelling.
Best for: Travellers comparing comprehensive protection with a medical-only option.
10. Budget Direct Travel Insurance
Budget Direct offers Basic, Essential and Comprehensive international travel insurance options.
Its Bali page lists unlimited overseas medical expenses on its international plans, while other benefits such as cancellation, luggage and rental vehicle excess vary depending on the cover level selected.
Why it may be a good choice
- Three levels of cover
- Unlimited overseas medical expenses on listed plans
- Luggage and cancellation benefits vary by plan
- Activities such as surfing are listed among covered activities, subject to policy conditions
- 24/7 assistance
Important to check
Compare the benefit limits between Basic, Essential and Comprehensive. The cheapest option may have lower limits for luggage and other benefits.
Best for: Travellers wanting to compare a clear Basic, Essential and Comprehensive structure.
Which Is the Best Travel Insurance for Bali?
Rather than naming one insurer as the winner for everyone, this is how we would narrow down the comparison:
Best for Pre-Existing Medical Conditions: AllClear
AllClear is worth comparing if you have pre-existing medical conditions or are an older traveller because of its specialist focus, medical screening and lack of an upper age limit.
Best for Flexible Scooter and Adventure Add-Ons: Cover-More
Cover-More offers separate motorcycle/moped and adventure activity cover options, making it worth comparing if your itinerary is more active.
Best for Customisable Activity Cover: Fast Cover
Fast Cover offers multiple policy levels plus Motorcycle and adventure-related options.
Best Option to Compare for Scooter Riders: RACV
RACV is notable because its Bali page states that motorcycle, moped and scooter cover is included at no extra cost, subject to policy conditions and requirements.
Does Travel Insurance Cover Scooter Accidents in Bali?
Sometimes, but you should never assume you are automatically covered.
This is probably the most important Bali-specific exclusion to understand.
Different insurers take different approaches:
- RACV says applicable scooter and motorcycle cover is included subject to conditions.
- Cover-More offers Motorcycle/Moped Cover options.
- Fast Cover requires its Motorcycle Pack for eligible scooter, moped and motorcycle riding.
- Medibank allows eligible travellers to add extra cover for certain activities, including mopeds and scooters.
- SCTI offers an optional moped and motorbike-related add-on.
Before renting a scooter, check:
- Do you need an additional insurance option?
- Are passengers covered?
- Do you need a specific licence?
- Are there engine-size limits?
- Must you wear a helmet?
- Are you required to comply with Indonesian law?
- Are alcohol or drug-related incidents excluded?
Read the latest PDS before riding.
What About Surfing, Diving and Adventure Activities?
Bali is not just a beach destination.
You may want to:
- Surf
- Snorkel
- Scuba dive
- Trek Mount Batur
- Ride an ATV
- Jet ski
- Try parasailing
These activities can have different rules under different policies.
For example, Cover-More advertises automatic cover for a number of activities while also offering additional adventure cover for more adventurous activities. RACV includes a range of activities under its international policies, subject to criteria, while Fast Cover offers optional adventure-related cover.
Before purchasing, make a list of everything you plan to do in Bali and check each activity against the insurer’s policy wording.
Bali-Specific Risks to Consider
Bali Belly and Medical Emergencies
Food and water-related illness can happen while travelling.
Travel insurance may help with eligible unexpected medical expenses, but prevention is still important.
Try to:
- Drink safe water
- Be careful with food hygiene
- Wash your hands regularly
- Seek medical assistance if you become seriously ill
Theft and Lost Belongings
Keep phones, wallets, cameras and bags secure.
Many policies have conditions around unattended belongings. Leaving an expensive item unattended could affect your ability to make a successful claim.
Volcanic Activity and Natural Disasters
Indonesia is located in a geologically active region, and natural disasters can disrupt flights and travel plans.
Cover for natural disasters can depend on:
- Your policy
- When the event occurred
- When you purchased insurance
- Whether the event was already known
- Government travel advice
SCTI and Travel Insurance Direct both highlight natural disasters and travel disruption as relevant issues for Bali travellers.
How Much Does Travel Insurance for Bali Cost?
The cost of travel insurance for Bali depends on several factors, including:
- Your age
- Trip length
- Number of travellers
- Level of cover
- Cancellation amount
- Pre-existing medical conditions
- Activities
- Optional extras
- Policy excess
As a recent Australian comparison example, Compare the Market estimated that a 30-year-old taking a two-week Bali trip and buying comprehensive cover could pay approximately $80 to $250, while actual prices vary significantly depending on the policy and traveller.
The best approach is to get quotes from several providers and compare what you are actually receiving, not just the final premium.
What to Do If You Need to Make a Claim in Bali
If something goes wrong, documentation can make the claims process easier.
For a Medical Emergency
- Contact your insurer’s emergency assistance team if required.
- Follow their instructions.
- Keep medical reports.
- Keep invoices and receipts.
- Ask for written documentation from the hospital or doctor.
If Your Belongings Are Stolen
- Report the incident to the appropriate authority if required.
- Get a police report.
- Keep evidence of ownership.
- Contact your insurer as soon as possible.
For Flight Delays or Cancellations
Keep:
- Airline notifications
- Boarding passes
- Booking confirmations
- Receipts
- Details of additional expenses
Always follow your insurer’s specific claims process.
Frequently Asked Questions
What is the best travel insurance for Bali?
The best travel insurance for Bali depends on your individual trip. Australian travellers may want to compare providers such as Cover-More, 1Cover, AllClear, Travel Insurance Direct, Fast Cover, Medibank, Allianz, RACV, Southern Cross Travel Insurance and Budget Direct.
Do I need travel insurance for Bali?
Travel insurance is not generally required simply to visit Bali, but it can help protect you against eligible medical emergencies, cancellations, lost luggage and other unexpected events. Australian government and Australian travel insurance resources strongly recommend considering suitable travel insurance for overseas trips.
Does travel insurance cover scooter accidents in Bali?
It depends on the insurer and policy. Some policies include eligible scooter cover under certain conditions, while others require an additional motorcycle or moped option. Always check licence, helmet and other requirements.
When should I buy travel insurance for Bali?
Consider buying travel insurance soon after booking your trip, particularly if you want cancellation protection for prepaid flights, accommodation and other eligible travel expenses.
Final Verdict: What Is the Best Travel Insurance for Bali?
The best travel insurance for Bali is not necessarily the cheapest or the policy with the biggest advertised benefit limit.
For one traveller, the best option may be a policy with specialist cover for pre-existing medical conditions. For another, it may be a policy with suitable scooter protection. Families may prioritise cancellation and luggage benefits, while frequent travellers may prefer an annual multi-trip policy.
Our recommendation is to compare at least three suitable providers before buying.
