Best Travel Insurance for Bali: leave with a free spirit
To travel with a free spirit, there is one element that should not be overlooked: you need a travel insurance. Your health is precious and must be the subject of all attention (repatriation or emergency medical evacuation, coverage of health costs). We will give you the some options of best travel insurance for Bali.
Bali is one of the most popular tourist destinations in the world, known for its beautiful beaches, vibrant culture, and stunning landscapes. However, traveling to Bali comes with its own set of risks, such as medical emergencies, trip cancellations, and lost luggage. This is where travel insurance comes in handy. In this article, we will provide a comprehensive guide to the best travel insurance for Bali, suitable for visitors from all over the world.
When it comes to Bali, it’s essential to choose a travel insurance policy that covers medical emergencies. Bali’s healthcare system is not as advanced as some Western countries, and medical expenses can quickly add up. Additionally, Bali is prone to natural disasters such as earthquakes, which can disrupt travel plans.
Several important factors to consider when looking for travel insurance for Bali
When choosing travel insurance for Bali, there are a few things you should keep in mind:
1. Medical Coverage
Bali is a popular travel destination, but medical emergencies can happen. Look for a travel insurance policy that provides comprehensive medical coverage, including coverage for emergency medical treatment, hospitalization, and medical evacuation if necessary.
2. Trip Cancellation and Interruption
It’s important to be prepared for unexpected events that may cause you to cancel or interrupt your trip. Look for a policy that provides coverage for trip cancellation or interruption due to unforeseen events such as illness, injury, or natural disasters.
3. Personal Belongings Coverage
Theft and loss of personal belongings can occur during travel. Look for a policy that offers coverage for lost, stolen or damaged baggage and personal items.
4. Adventure Activities
Bali offers many adventure activities such as surfing, scuba diving, and trekking. If you plan on participating in any adventure activities, make sure your travel insurance policy covers them. Read also: Fun Water Sports Activities in Bali | Jet Ski, Flying fish, Parasailing, Banana boat and Flyboard
5. 24/7 Assistance
Look for a policy that offers 24/7 assistance services such as emergency medical assistance and travel assistance.
6. Policy Exclusions
Make sure to review the policy exclusions, including any pre-existing conditions, to ensure that you have the necessary coverage and are not caught off guard.
For visitors to Bali who plan to rent a scooter or motorbike, it’s important to find a travel insurance provider that offers coverage for these activities.
7. Price
Travel insurance prices can vary widely depending on the provider and the level of coverage you choose. Compare prices and features from multiple providers to find a policy that fits your needs and budget.
Disclaimer: The prices listed in this article are subject to change and may not be accurate at the time of reading. Please refer to the insurance providers’ websites for the latest pricing information. It is important to carefully review the policy details before purchasing travel insurance to ensure it meets your specific needs.
Good to know
When visiting a public hospital in Bali, remember to bring some Indonesian rupiah money with you. The reason you need to do this is because some do not accept payments through a cashless service.
The disadvantage of public hospitals is a fairly limited service compared to private health facilities, but the bill will be lower. In addition, private hospitals also accept payment methods other than cash.
Medical costs in Bali can be very expensive if you are not covered in the event of an accident or a health problem.
What if you have a dental problem in Bali?
Most of dentists in Bali are fluent in English. Some of them have even been trained abroad. However if you have an emergency, it’s like being in Australia, Europe or the U.S. without a good insurance, your credit card will quickly heat up.
All these reasons demonstrate the importance of being insured for your stay in Bali.
Here is a table that compares different travel insurance plans for visitors and travelers to Bali
The cost of travel insurance can vary based on several factors such as the length of your trip, your age, and the coverage limits you select. These costs are just examples for a 1-week trip for a 30-year-old traveler.
The travel insurances listed below are very popular among travellers. However, only your criteria allow you to know which one is the most suitable for your needs.
| Insurance Company | Medical Coverage | Trip Cancellation | Baggage Loss/Delay | Emergency Evacuation | Adventure Activities Coverage | Cost |
|---|---|---|---|---|---|---|
| Allianz Global Assistance | Up to $50,000 | Up to 100% of trip cost | Up to $1,000 | Included | Additional coverage available for an extra fee | Starts at $56 for a 1-week trip |
| World Nomads | Up to $100,000 | Up to 100% of trip cost | Up to $1,000 | Included | Included for certain activities, additional coverage available for an extra fee | Starts at $73 for a 1-week trip |
| AXA Assistance USA | Up to $250,000 | Up to 100% of trip cost | Up to $1,000 | Included | Included for certain activities, additional coverage available for an extra fee | Starts at $71 for a 1-week trip |
| Travel Guard | Up to $50,000 | Up to 100% of trip cost | Up to $1,000 | Included | Additional coverage available for an extra fee | Starts at $53 for a 1-week trip |
| Travelex Insurance Services | Up to $50,000 | Up to 100% of trip cost | Up to $1,000 | Included | Additional coverage available for an extra fee | Starts at $49 for a 1-week trip |
| Seven Corners | Up to $250,000 | Up to 100% of trip cost | Up to $1,000 | Included | Included for certain activities, additional coverage available for an extra fee | Starts at $45 for a 1-week trip |
Note:
Travel insurance is an essential investment for any trip, especially to a destination like Bali where unexpected events can happen. Visitors and travelers should carefully consider their needs and the risks associated with their travel plans when selecting a travel insurance plan. By doing so, they can ensure they are protected and can enjoy their trip with peace of mind.
Read also: Things To Do When Arriving at Bali Airport (DPS) | Tips for Every Traveler As Soon As We Land
The best travel insurance for Bali by country of your residence
When it comes to finding the best travel insurance for Bali by country, it’s important to research options that cater to the specific needs of travelers from different countries.
It’s important to note that these are just a few examples of travel insurance providers and plans that are available for visitors to Bali. Without further ado, let’s explore the best travel insurance options for Bali visitors:
Best Travel Insurance for Bali for Visitors from Australia:
Southern Cross Travel Insurance
They offer comprehensive coverage for medical expenses, trip cancellation, and other travel-related risks. Their policy also includes coverage for pre-existing medical conditions, which is particularly important for older travelers. The cost of their policies varies depending on the level of coverage you choose, but you can expect to pay around AUD $80 for a week’s worth of coverage.
Link: https://www.scti.com.au/travel-insurance/bali-travel-insurance
InsureandGo Australia
It offers comprehensive travel insurance plans for Bali starting at AUD $30.68 for a seven-day trip. Link: https://www.insureandgo.com.au
1Cover Travel Insurance
Offers comprehensive travel insurance plans for Bali starting at AUD $26.43 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation, lost or stolen baggage, personal liability, and more. Link: https://www.1cover.com.au
Cover-More
Cover-More offers travel insurance plans for Australian citizens traveling to Bali, Indonesia. Their plans cover medical expenses, trip cancellation and interruption, personal belongings, and more. Link: https://www.covermore.com.au
Best Travel Insurance for Bali for Visitors from the USA:
Allianz Global Assistance: Offers a range of travel insurance plans for Bali starting at USD $25 for a seven-day trip.
Link: https://www.allianztravelinsurance.com/find-a-plan
World Nomads
For travelers from the USA, World Nomads is a popular choice for Bali travel insurance. They offer coverage for medical expenses, trip cancellation, and a range of adventure activities, such as surfing and diving. Their policies are flexible, allowing you to customize your coverage to suit your needs. Prices vary depending on the level of coverage you choose, but you can expect to pay around $70 for a week’s worth of coverage.
Link: https://www.worldnomads.com/usa
Best Travel Insurance for Bali for Visitors from Canada:
Travel Guard
Offers travel insurance plans for Bali starting at CAD $30.50 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation and interruption, baggage loss and delay, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking.
Link: https://www.travelguard.ca
Manulife
Manulife offers travel insurance plans for Canadian citizens traveling to Bali, Indonesia. Their plans cover emergency medical expenses, trip interruption and cancellation, baggage and personal belongings, and more. Link: https://www.manulife.ca/personal/insurance/our-products/travel-insurance.html
Best Travel Insurance for Bali for Visitors from Europe:
Columbus Direct (UK)
Offers travel insurance plans for Bali starting at €9.70 for a seven-day trip. Link: https://www.columbusdirect.com/travel-insurance/
AXA Assistance – Platinum Plan (muliple countries)
AXA Assistance offers the Platinum Plan, which includes emergency medical coverage, trip cancellation and interruption coverage, and personal belongings coverage. It also covers adventure activities such as surfing and trekking. The cost for a 10-day trip to Bali for a 30-year-old traveler starts at €48.
AXA offers travel insurance plans for Bali. The plan covers emergency medical expenses, trip cancellation and interruption, baggage loss and delay, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking.
- French: https://www.assurance-voyage.axa-assistance.fr
- Italian: https://www.assicurazione-viaggio.axa-assistance.it
- Spanish: https://www.axa-assistance-segurodeviaje.es
- Portuguese: https://www.viagemsegura.pt/pt
- Polish: https://www.axa-assistance.pl
Staysure (UK)
Staysure offers travel insurance plans for UK citizens traveling to Bali, Indonesia. Their plans cover medical expenses, trip cancellation, baggage and personal belongings, and more. Link: https://www.staysure.co.uk/single-trip-travel-insurance
Best Travel Insurance for Bali for Visitors from Asia:
Etiqa Insurance (Singapore)
They offer a range of plans that cover medical expenses, trip cancellations, and adventure activities. Their ePROTECT travel insurance plan starts from SGD $18 for a seven-day trip.
Link: https://www.etiqa.com.sg/personal-insurance/travel-insurance
AIG (Singapore)
Offers travel insurance plans for Bali starting at SGD $35 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation and interruption, baggage loss and delay, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking. Link: https://www.aig.sg/personal/travel-guard
Chubb Travel Insurance (Singapore)
Offers travel insurance plans for Bali starting at SGD $17 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation, travel delay, loss of baggage, and more.
Link: https://www.chubbtravelinsurance.com.sg
Mitsui Sumitomo Insurance (Japan)
Offers travel insurance plans for Bali starting at JPY 1,500 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation and interruption, lost or stolen baggage, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking. Mitsui Sumitomo Insurance also offers customizable plans and optional coverage for specific activities or situations, such as sports and adventure travel, rental car damage, and more.
Link: https://www.ms-ins.com/english
Tune Protect (Malaysia)
Offers travel insurance plans for Bali starting at MYR 24 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation and interruption, lost or stolen baggage, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking. Link: https://www.tuneprotect.com/products/travel-easy-insurance
China Life Insurance
Offers travel insurance plans for Bali starting at CNY 20 for a seven-day trip. The plan covers emergency medical expenses, trip cancellation and interruption, lost or stolen baggage, and more. Optional coverage is also available for adventure activities such as scuba diving, surfing, and hiking.
Link: https://www.e-chinalife.com
Allianz Global Assistance (Philippines)
Allianz Global Assistance offers travel insurance plans specifically designed for travelers visiting Southeast Asia, including Bali. Their plans include coverage for emergency medical expenses, trip cancellation, and travel delays. You can purchase coverage online through their website: https://www.allianzpnblife.ph
Pacific Cross (Philippines)
Pacific Cross offers travel insurance plans for Philippine citizens traveling to Bali, Indonesia. Their plans cover emergency medical expenses, trip interruption and cancellation, personal belongings, and more. Link: https://www.pacificcross.com.ph/#travel
Best Travel Insurance for Bali for Visitors from Africa
Hollard Travel Insurance
They offer comprehensive travel insurance plans that cover medical expenses, trip cancellations, and luggage loss. Their Standard Plan starts from ZAR 398 for a seven-day trip.
Link: https://www.hollard.co.za/travel-insurance
Travel Insurance Consultants
Offers travel insurance plans for Bali starting at ZAR 312 for a seven-day trip. Link: https://www.tic.co.za
Photo credit : stux via Pixabay
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