If you’re planning a Bali holiday from Australia, travel insurance is one of the most important things to organise before you leave.
A trip to Bali can involve anything from relaxing in Seminyak to surfing, scuba diving, riding a scooter through Canggu or exploring temples in Ubud. But medical emergencies, road accidents, stolen belongings, flight disruptions and volcanic activity can all turn a cheap holiday into an expensive problem.
The best travel insurance for Bali from Australia depends on your trip. A backpacker riding a scooter may need different cover from a family staying at a resort for a week.
In this guide, we compare some of the leading travel insurance options available to Australians and explain exactly what you should check before buying a policy.
Quick Answer: What Is the Best Travel Insurance for Bali From Australia?
There is no single policy that is best for every Australian travelling to Bali. The right option depends on your budget, age, trip length, medical history and activities.
However, these are some of the providers worth comparing:
| Provider | May Be Best For | Why Consider It |
| Cover-More | Overall flexibility | Multiple plan levels, optional extras and motorcycle/moped cover options |
| Allianz Travel Insurance | Traditional comprehensive cover | Basic, comprehensive and multi-trip options |
| Freely | Flexible travellers | App-based policy management and pay-per-day Trip Extras |
| Fast Cover | Customising your policy | Medical-only through comprehensive options, plus activity and motorcycle extras |
| Southern Cross Travel Insurance | Medical or comprehensive cover | International Medical Only, Comprehensive and Annual Multi-Trip policies |
| 1Cover | Comparing simple plan options | Medical Only, Comprehensive and Frequent Traveller options |
Policy benefits, limits, exclusions and pricing can change. Always check the latest Product Disclosure Statement (PDS) before buying.
Do Australians Need Travel Insurance for Bali?
Travel insurance is not currently a legal requirement for Australians visiting Bali, but going without it means you may have to pay unexpected costs yourself.
One of the biggest reasons to consider insurance is medical cover. Australian Medicare does not apply in Indonesia, so Australians are generally responsible for their own medical expenses while in Bali. Medical treatment, hospitalisation and emergency evacuation can become extremely expensive.
Travel insurance may also help with covered events involving:
- Emergency medical treatment
- Hospital expenses
- Emergency evacuation or repatriation
- Trip cancellation
- Flight delays and travel disruption
- Lost, stolen or damaged luggage
- Personal liability
- Rental vehicle excess
The exact benefits depend on the policy you choose.
Our Picks: Travel Insurance Providers Worth Comparing for Bali
Instead of simply choosing the cheapest policy, compare the features that actually matter for your trip.
1. Cover-More: A Flexible Option for Different Types of Bali Trips
Cover-More offers several international plan levels, including options with different levels of medical, luggage and cancellation cover.
Its policies can also be tailored with optional extras for activities such as motorcycle or moped riding, adventure activities and cruises. Cover-More also offers single-trip and annual multi-trip options for eligible travellers.
Consider Cover-More if:
- You want to choose between different levels of cover.
- You plan to add activity-specific cover.
- You visit Bali or other international destinations regularly.
- You want to compare single-trip and annual policies.
2. Allianz: A Good Option for Traditional Travel Insurance Cover
Allianz Travel Insurance offers Basic, Comprehensive and Multi-Trip travel insurance options for Australians.
Its Bali-specific information highlights overseas medical expenses, emergency assistance, cancellations and luggage protection, depending on the plan selected. Travellers planning activities such as motorcycle or moped riding may need to consider an optional Adventure Pack and meet the relevant policy conditions.
Consider Allianz if:
- You want a choice between basic and broader cover.
- You need cancellation and luggage protection as well as medical cover.
- You travel internationally more than once a year and want to compare multi-trip insurance.
3. Freely: A Flexible Option for Travellers Who Want to Add Extras
Freely takes a more flexible approach by allowing travellers to add certain Trip Extras, including motorcycle or moped riding and adventure activities.
Its Bali policies include different plan levels with overseas medical expenses, emergency evacuation and repatriation, cancellation and luggage benefits depending on the plan. Freely also allows eligible travellers to manage their policy through its app.
Consider Freely if:
- You want flexibility around optional activities.
- You plan to ride a scooter or participate in adventure activities.
- You prefer managing your policy digitally.
4. Fast Cover: Worth Comparing if You Want to Customise Your Cover
Fast Cover offers several levels of cover, including medical-only, mid-level and comprehensive options, as well as a frequent traveller policy.
Travellers can also compare optional extras such as motorcycle cover, adventure activities, cruise cover and higher-value item cover. Fast Cover specifically notes that scooter, moped and motorcycle riding may require its Motorcycle Pack.
Consider Fast Cover if:
- You want to compare medical-only and comprehensive cover.
- You plan to ride a motorcycle or scooter.
- You are travelling with expensive cameras, laptops or other valuables.
- You take multiple overseas trips each year.
5. Southern Cross Travel Insurance: Worth Comparing for Medical or Comprehensive Cover
Southern Cross Travel Insurance offers International Medical Only, International Comprehensive and Annual Multi-Trip options.
Its Bali guide places particular emphasis on medical emergencies, scooter accidents, natural disasters and stolen belongings. It also allows travellers to check whether optional motorcycle or moped cover is suitable for their trip.
Consider Southern Cross if:
- Your main priority is overseas medical protection.
- You want to compare medical-only and comprehensive policies.
- You need to consider cover for a pre-existing medical condition.
- You travel internationally regularly.
6. 1Cover: Worth Comparing for Medical-Only and Comprehensive Options
1Cover offers Medical Only, Comprehensive and Frequent Traveller options for Australian travellers.
Its policies include 24/7 emergency assistance, while comprehensive cover can include benefits for cancellation, delays and luggage, depending on the policy and conditions. 1Cover also provides a process for declaring and applying for cover for certain pre-existing medical conditions.
Consider 1Cover if:
- You want to compare medical-only and comprehensive policies.
- You have a pre-existing medical condition that needs to be assessed.
- You travel more than once a year.
What Should Travel Insurance for Bali Include?
When comparing policies, don’t focus only on the total price. These are the areas Australians should check carefully.
Overseas Medical and Hospital Expenses
This should be one of your highest priorities.
Medicare does not cover you in Bali, so medical treatment can become your responsibility without suitable travel insurance. Look for strong cover for unexpected illness, injuries and hospital treatment.
Emergency Evacuation and Repatriation
If you suffer a serious injury or illness, you may need to be transported to another medical facility or returned to Australia.
Check how your policy handles emergency evacuation and repatriation and whether limits or conditions apply.
Trip Cancellation
If you have already paid for flights, accommodation, tours or other bookings, cancellation cover may help protect non-refundable expenses when you cannot travel because of a covered unexpected event.
Some insurers allow you to choose or increase your cancellation cover, so consider the total value of your prepaid trip before selecting a limit.
Luggage, Phones and Valuables
Bali is a destination where travellers commonly carry phones, cameras, laptops and other expensive items.
Don’t only look at the overall luggage limit. Check the individual item limit, exclusions and conditions for theft. Unattended belongings may not be covered under some policies.
Travel Delays and Disruptions
Flight delays can result in unexpected expenses for accommodation, food and transport.
Check:
- How long your transport must be delayed before benefits apply.
- What additional expenses may be covered.
- Whether there is a maximum claim limit.
Personal Liability
Personal liability cover can be important if you accidentally injure another person or damage someone else’s property.
Check the policy limit and exclusions before buying.
Scooter and Motorcycle Cover: The Most Important Thing to Check in Bali
If you plan to rent or ride a scooter in Bali, do not assume your standard travel insurance automatically covers you.
Several Australian insurers require a separate add-on for motorcycle, scooter or moped riding. Allianz, Freely, Fast Cover and other providers have specific conditions and optional extras for these activities.
Before buying, check:
- Does the policy cover scooter or motorcycle riding?
- Do you need to purchase an optional extra?
- Are you covered as both a driver and passenger?
- What licence do you need?
- Is there an engine-size limit?
- Is wearing a helmet compulsory for cover?
- Are quad bikes included or excluded?
Depending on the insurer, claims may be affected if the rider does not meet licensing requirements, fails to wear a helmet, breaks applicable laws or is impaired by alcohol or drugs.
Important: Check the current Indonesian driving requirements and your insurer’s PDS before riding. Requirements and policy wording can change.
Are Surfing, Diving and Adventure Activities Covered?
Bali is famous for surfing, snorkelling, scuba diving, jet skiing, hiking and other activities.
Some policies automatically include certain activities, while others require an Adventure Pack or other optional extra.
For example, Freely states that some activities are automatically included, while deeper scuba diving and certain other activities may require an Adventure Activities Trip Extra. Fast Cover and Cover-More also offer optional adventure-related cover for activities outside their standard inclusions.
Before booking an activity, check:
- Whether the activity is covered.
- Any depth, altitude or experience restrictions.
- Whether you need an optional extra.
- Whether you need to use a qualified instructor.
- Any age restrictions.
Bali-Specific Risks Your Travel Insurance Should Consider
Bali Belly and Other Illnesses
Food and water-related illness is a common concern for travellers.
Medical cover can be important if you become seriously ill and require treatment. Practical precautions include drinking safe water, practising good hand hygiene and being careful with food preparation.
Bali also has health risks that may include mosquito-borne illnesses and animal bites. If you have concerns about vaccinations or health precautions, speak with a qualified medical professional before travelling.
Road Accidents
Scooters and motorcycles are popular in Bali, but traffic conditions can be very different from Australia.
If you plan to drive, make sure you understand local laws, licensing requirements and your insurance conditions before getting on the road.
Theft and Lost Belongings
Pickpocketing and theft can happen in busy tourist areas.
Keep valuables secure, use accommodation safes where appropriate and avoid leaving luggage unattended. Insurance may not cover every situation involving stolen belongings.
Volcanic Activity and Natural Disasters
Volcanic eruptions, ash clouds and other natural events can disrupt flights and travel plans.
Travel insurance may help with certain unforeseen events, but known events and government travel warnings can affect your cover. Check Smartraveller before purchasing your policy, before departure and during your trip.
What Is Usually Not Covered?
Every insurer has different exclusions, but common situations that may affect a claim include:
- Pre-existing medical conditions that have not been accepted for cover.
- Riding a scooter or motorcycle without meeting licence requirements.
- Riding without a required helmet.
- Claims involving alcohol or drugs.
- Leaving belongings unattended.
- Travelling against certain government warnings.
- Events that were already known when you purchased the policy.
- Activities specifically excluded from your policy.
Always read the PDS rather than assuming something is covered.
How Much Does Travel Insurance for Bali Cost From Australia?
The cost of travel insurance for Bali depends on several factors:
- Your age
- Number of travellers
- Trip duration
- Pre-existing medical conditions
- The type of policy
- Cancellation cover amount
- Optional extras
- Adventure activities
- Scooter or motorcycle cover
- Your chosen excess
As an example, Compare the Market reported in May 2026 that a comprehensive policy for a 30-year-old travelling to Bali for two weeks could cost roughly $80 to $250, while an example for a 65-year-old taking a one-week trip was around $100 to $260. These were indicative quotes based on specific assumptions and should not be treated as guaranteed prices.
The cheapest policy is not always the best option. A lower premium may come with lower cancellation limits, less luggage cover or exclusions for activities you actually plan to do.
How to Choose the Best Travel Insurance for Your Bali Trip
Before purchasing a policy, ask yourself these questions:
- Does it provide sufficient overseas medical cover?
- Is emergency evacuation included?
- Does the cancellation limit cover my prepaid bookings?
- Am I covered for the activities I plan to do?
- Do I need motorcycle or scooter cover?
- Have I declared any pre-existing medical conditions?
- Are my phone, camera and other valuables covered within the item limits?
- What excess will I need to pay if I make a claim?
- Does the insurer provide 24/7 emergency assistance?
- Have I read the latest PDS and exclusions?
Is Basic or Comprehensive Travel Insurance Better for Bali?
The answer depends on what you want to protect.
Basic or Medical-Only Cover
A medical-focused policy may suit travellers who primarily want protection against unexpected illness or injury and are less concerned about cancellation or luggage benefits.
Comprehensive Cover
Comprehensive policies generally offer broader protection and may include medical expenses along with benefits for cancellation, delays, luggage and other unexpected events, subject to policy terms.
If you have spent a significant amount on flights, accommodation and tours, comprehensive cover may be worth comparing.
Annual Multi-Trip Cover
If you visit Bali regularly or take multiple overseas trips each year, compare the cost of an annual multi-trip policy with buying separate single-trip policies.
What to Do if You Need to Make a Claim in Bali
If something goes wrong, acting quickly can make the claims process easier.
For a medical emergency
- Contact your insurer’s emergency assistance team as soon as practical.
- Follow their instructions regarding treatment or evacuation.
- Keep medical reports, invoices and receipts.
If your belongings are stolen
- Report the theft to the relevant local authorities if required by your insurer.
- Keep a copy of the police report.
- Keep receipts or proof of ownership for valuable items where possible.
- Contact your insurer and follow its claims process.
If your flight is delayed or cancelled
Keep:
- Airline notifications
- Boarding passes
- Receipts for additional expenses
- Accommodation records
- Details of the reason for the delay
Always check your insurer’s policy wording and claims instructions, as requirements vary.
Frequently Asked Questions
What is the best travel insurance for Bali from Australia?
There is no single best policy for everyone. Compare Cover-More, Allianz, Freely, Fast Cover, Southern Cross Travel Insurance, 1Cover and other Australian providers based on your medical needs, trip cost, planned activities, age and budget.
Does Medicare cover Australians in Bali?
No. Medicare generally does not cover Australians for medical treatment in Indonesia, which is why overseas medical cover is an important consideration for a Bali trip.
Does travel insurance cover scooter accidents in Bali?
Depending on the policy, unexpected illness and medical treatment may be covered. Check the policy wording for medical exclusions and conditions.
Does travel insurance cover Bali Belly?
Depending on the policy, unexpected illness and medical treatment may be covered. Check the policy wording for medical exclusions and conditions.
Can I buy travel insurance after arriving in Bali?
It depends on the insurer. Some insurers may offer cover to eligible Australians who are already overseas, while others require the policy to be purchased before the journey begins. Waiting periods and other conditions may apply.
Final Verdict
For Australians travelling to Bali, the best travel insurance is not necessarily the cheapest policy or the insurer with the biggest advertising campaign.
The best option is one that matches your actual trip.
If you’re spending most of your holiday at a resort, your priorities may be strong medical and cancellation cover. If you’re planning to ride a scooter, surf or scuba dive, checking activity-specific cover and exclusions becomes even more important.
Before buying, compare at least a few providers, check the limits that matter to you and read the latest PDS carefully.
A good Bali travel insurance policy should give you confidence that you’re prepared for the unexpected not just provide the cheapest quote.
