How to choose the right travel insurance for Bali?
Cheapest is not always best and in the case of travel insurance – when choosing a policy, it’s important to buy the cover that suits your particular situation, and what you plan to do on your trip.
For instance, when comparing travel insurance with Canstar, you can search for policies that cover you for travel to Bali and Indonesia, and see the limits that each policy provider for overseas medical and hospital cover, as well as cancellation and lost luggage.
You can further filter your results to show policies that cover for a range of options that may be applicable to your trip to Bali, for example, if you plan on riding a motorbike or doing certain kinds of watersports while in Bali, cover for these things may not be standard and may need to be added on.
What does Bali travel insurance cover?
The list of things generally covered by travel insurance policies for Bali includes:
Medical or dental emergency
Hospital admission, emergency care and medical evacuation.
Lost or stolen luggage, passport or other items
Replacing luggage and travel documents is the most common claim for travel insurance.
Cancelling your trip unexpectedly
Cancellation due to illness, accident, holiday leave being revoked or a natural disaster at home or at your intended destination.
Legal liability
If you break a local law and need a lawyer/interpreter e.g if you injure someone or are held accountable for damaged property.
Optional extras
Some policies offer a variety of useful extras depending on which one you get, such as rental vehicle excesses, cover for kennels and catteries for your pets at home, and even cover if you suffer a loss of income or a permanent disability while overseas.
Repatriation
If tragedy strikes while you are away, repatriation covers the cost of flying your body and belongings back home to Australia. Some travel funds also include a separate sum for funeral expenses.
What does Bali travel insurance not cover?
Your travel insurance policy won’t cover everything that happens to you while travelling in Bali, as there are a number of common exclusions, as well as things that could void your cover, such as:
Riding without a helmet
Riding a scooter or motorbike in Indonesia can be dangerous, and your travel insurance will not cover you if you are found to be riding without a helmet.
Being under the influence
Likewise, claims relating directly to drugs or alcohol or incidents befalling travellers under the influence of these things will likely not be covered.
Pre-existing conditions
While you can sometimes pay a bit extra to get them covered, an exclusion may apply if, at the time of purchasing the policy, you were aware of something that would give rise to you making a claim under the policy and didn’t inform the insurer. It is worth checking the terms and conditions of your policy to find out if you’re covered for your condition.
Unreported and unattended items
You can be covered if your possessions are stolen or lost accidentally, but leaving them unattended will often void your cover. In the event that your possessions are lost or stolen, you need to report the loss within 24 hours to your insurance provider.
Can you get motorbike and scooter insurance for Bali?
Riding a moped or motorcycle in Bali is very popular – particularly given the traffic congestion there. There are always dangers associated with driving a motorbike, which are magnified in this part of the world due to the lack of road regulations, so motorcycle insurance can be a good idea.
Be aware, though, that many travel insurance policies will only cover you for a 250cc or less motorcycle, and only if you have an Australian motorcycle licence. If you plan on riding a moped or motorcycle in Bali, it’s important to always wear a helmet, and make sure your cover has a suitable overseas medical and hospital limit.
Can you get watersports insurance for Bali?
Bali has beautiful beaches and if you’re planning on hitting them, then ensure that your Bali travel insurance covers you for any water sports you’re planning on trying. Things such as snorkelling, among other Bali activities, are generally covered under a standard policy, but more extreme activities such as scuba diving often are not. It’s important to check that you have the cover you need before you go, and also make sure your cover has a suitable overseas medical and hospital limit.
How much does travel insurance cost for Bali and Indonesia?
At the time of writing, basic travel insurance for Bali can start from as low as $35-50 for an individual traveller for basic cover for a week in Bali, and $110 and up for more comprehensive cover, but the price can vary from there, depending on the level of cover and inclusions that you need. You can compare travel insurance with Canstar to find cover that suits your particular needs and budget.