Do I Need Travel Insurance for Bali, Indonesia?

travel insurance for bali

I probably don’t need to tell you that Bali is a renowned tourist paradise, and travelers flock from all over the world to experience its unique culture and breathtaking beauty. While most visitors have a safe and enjoyable trip, there are always risks associated with travel.

Do I need travel insurance for Bali?

Strictly speaking, it’s not illegal to enter Bali without any travel insurance, meaning you can, by law, not have travel insurance for your Bali trip.

However, the question you really should be asking is: should I buy travel insurance for Bali? And the answer is a resounding yes. Let me explain why.

What’s the worst that could happen without travel insurance?

Well, I once got my bag stolen in Vietnam and I had an electric shock in a hostel bathroom in Mexico (yes seriously). I also missed my flight twice in the space of 3 years.

What if you’re walking down Ubud market and your appendix suddenly bursts, leaving you in excruciating pain and requiring emergency treatment? Anything could happen.

What are the best Bali travel insurance companies?

There are two main companies and both are excellent in their own ways.

The first one is SafetyWing – perfect for those digital nomads and backpackers doing long-term travel. The second one is World Nomads – one of the biggest names in travel insurance.

With the world opening back up to all-out travel again, let’s take a look at why travel insurance is so damn important.

Table of Contents

This post contains affiliate links. I will earn a small commission if you use these links.

Is Bali open for travel right now?

Bali has finally opened up to international tourists again and as of March 2022 quarantine has been removed from entry requirements. However, the Indonesian government is still only accepting vaccinated travelers into the country, therefore proof of (at least one) vaccination is required for entry into Bali.

Do I Need Travel Insurance for Bali, Indonesia?

6 benefits of having travel insurance in Bali:

Travel insurance is designed to protect you from a variety of potential problems that can occur while you’re away from home, and it can give you the peace of mind you need to relax and enjoy your trip.

There are many different benefits of having travel insurance in Bali, Indonesia, including:

1: Covid travel insurance in Bali

The 2020 global pandemic changed the world, however once things started to settle and travel opened up to normal again, Bali travel health insurance plans began to include Covid coverage for travelers. The two companies I recommend; SafetyWing and World Nomads, both have Covid-19 coverage.

2: Protection from cancellation and interruption

If you have to cancel your trip for any reason, travel insurance can reimburse you for the non-refundable costs of your trip, like airfare, hotels, and tours. And suppose you have to interrupt your trip due to an emergency. In that case, travel insurance can cover the cost of your return flight home as well as any additional expenses incurred as a result of the interruption.

3: Financial protection in the event of an emergency

Find yourself in a medical or other emergency while traveling. Travel insurance can help cover the cost of evacuation, treatment, and even repatriation (the process of returning you to your home country).

4: Lost or damaged baggage coverage

If your baggage is lost, damaged, or stolen while you’re traveling, travel insurance can reimburse you for the cost of replacing your belongings.

5: Trip delay coverage

If your flight is delayed or your train is canceled, and you miss a day of your trip, travel insurance can reimburse you for expenses like meals and accommodations.

6: 24/7 Assistance

When you have travel insurance, you have access to around-the-clock assistance from someone who can help you with everything from finding a doctor to arranging for a replacement passport.

What to look for in a travel insurance policy?

When you’re planning a trip, it’s important to think about what could go wrong. Will your flight be delayed or canceled? What if you get sick while you’re away from home? Travel insurance can help to protect you from financial losses in the event that something goes wrong on your trip. Here are a few tips to keep in mind when shopping for travel insurance:

1. Type of travel insurance

First, consider what type of coverage you need. Do you need medical coverage in case of an emergency? What about coverage for lost luggage or canceled flights? Once you know what types of losses you need to be insured against, you can start comparison shopping.

2. Check the deductibles and limits

Next, take a look at the deductibles and limits for each policy. Deductibles are the amount of money you would have to pay out-of-pocket before the insurance company would start covering losses. Limits are the maximum amount that the insurer will pay out for a covered loss. The lower the deductible and the higher the limit, the more expensive the policy will be. It’s important to make sure you choose a policy with deductibles and limits that are appropriate for your needs.

3. Read the small print

Finally, be sure to read the fine print before purchasing a policy. Don’t wait until you need to make a claim to find out that your policy doesn’t cover the type of loss that you’ve incurred. Carefully review all of the terms and conditions so that you’ll know what’s covered and what’s not.

Best Bali Travel Insurance Companies

What is the best travel insurance for Bali? this is a question I get asked a lot as a travel blogger.

There’s no definitive answer for this because the best travel insurance for Bali trips depends on you and your trip. To help determine which is best, take into account the different factors such as the policy’s total cost, your deductibles and limits, and so on.

Personally, I only ever recommend two companies for Bali travel insurance: World Nomads and SafetyWing. These two will work for most travelers of all different types – backpackers, digital nomads, families and more.

World Nomads Travel Insurance Bali

Best Bali insurance for general travel and adventure travel

When it comes to travel insurance, World Nomads is the company recommended by more travel bloggers and agencies than any other. They keep it really simple with 2 plans: the Standard Plan and the Explorer Plan (you can also customize the coverage to suit your needs).

World Nomads: Standard Plan vs Explorer Plan

  • Standard Plan: this is the standard (minimum) coverage you can get, as the name states. Included in the plan are a range of benefits such as coverage for your belongings, overseas medical care, pre-trip cancelation, and some adventure activities.
  • Explorer Plan: this plan has all the benefits of the Standard Plan plus extras – like emergency medical evacuation. This plan is ideal for those planning to do a lot of adventure activities, or traveling with very expensive gear, as it offers more extensive coverage.

>> Get your FREE World Nomads quote here:

SafetyWing Travel Insurance Bali

Best insurance for long-term travelers and digital nomads

SafetyWing is the company that’s used most by long-term travelers, such as digital nomads intending to live in Bali, or those who prefer slow-travel around a certain region. Since Bali offers a single entry visa that allows up to 6 months stay in Bali, SafetyWing is the perfect choice when exploring Bali for a much longer time period.

Starting at just $40USD per month, which works out less than $50USD in a year, this is superb value for money. The basic policies cover your medical expenses and travel emergencies while in Bali, meaning you can visit for complete peace of mind at very little cost.

>> Get your FREE SafetyWing quote below:

Wondering how to make a claim with your travel insurance company while you're in Bali?

If you need to make a claim while you’re in Bali, there are a few steps you’ll need to follow.

  1. Gather all relevant documentation – including your policy paperwork, medical records, and receipts for any expenses you’ve incurred.
  2. Contact your insurer and let them know that you’ll be making a claim. They may require you to fill out a claim form, and they may also ask for additional supporting documentation.
  3. Receive a payout from your insurer that will cover your expenses. Making a claim with your travel insurance company doesn’t have to be difficult as long as you’re prepared and have all the necessary documentation.

Things that are NOT covered by most travel insurance policies:

Most people assume that their travel insurance will cover them for any eventuality, but this is often not the case. There are a number of things that are not typically covered by travel insurance policies:

1: Pre-existing medical conditions

If you have a medical condition that exists prior to your trip, it will most likely not be covered by your travel insurance policy. This is because insurers consider these conditions to be pre-existing and, therefore, not their responsibility. Be sure to check with your insurer before you purchase a policy to see if they cover pre-existing conditions.

2: Risky activities

If you plan on engaging in any risky activities while on your trips, such as bungee jumping or skydiving, you should know that these are often not covered by travel insurance policies. This is because these activities are considered dangerous and, therefore, too much liability for the insurer. If you plan on doing any risky activities, check with your insurer ahead of time to see if they are covered.

3: Valuables

Your travel insurance policy will most likely not cover any valuables that you lose or have stolen while on your trip. This is because insurers consider valuables to be the traveler’s responsibility and not their own. Be sure to keep this in mind when packing for your trip, and don’t bring anything with you that you can’t afford to lose.

4: Canceled trips

If you need to cancel your trip for any reason, you should know that most travel insurance policies will not reimburse you for the cost of your trip. This is because insurers consider canceled trips to be the responsibility of the traveler and not their own. Be sure to check with your insurer before you purchase a policy to see if they cover canceled trips.

5: Missed connections

If you miss your flight or train because you were late, you should know that most travel insurance policies will not reimburse you for the cost of your trip. This is because insurers consider missed connections to be the responsibility of the traveler and not their own. Be sure to check with your insurer before you purchase a policy to see if they cover missed connections.

Conclusion

Whether you’re traveling for business or pleasure, it’s important to have travel insurance for Bali, Indonesia, even though it’s perfectly legal to travel without it.

Not only does travel insurance provide peace of mind, but it can also help you if something goes wrong while you’re on your trip. Make sure you know what to look for when choosing a policy and understand the benefits of having travel insurance. Most importantly, be sure to purchase coverage before you leave home so that you’re protected in case of an emergency.

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FAQs:

No, you do not need travel insurance for Bali. However, I strongly recommend you purchase travel insurance for peace of mind and protection.

The Indonesian government requires that all visitors have a valid passport and visa. For more information, please visit the Indonesian Embassy website.

The best time to visit Bali is during the sunny season, which runs from May to September.

There are many ways to plan a trip to Bali, Indonesia. We recommend that you consult with a travel agent who specializes in travel to Bali. You can also find helpful information online, such as on the website of the Indonesian Ministry of Tourism.

 

The currency in Bali is the Indonesian Rupiah (IDR).

The cost of travel insurance for Bali depends on a number of factors, such as the length of your stay, the activities you plan to do, and the level of coverage you need. We recommend that you get a quote from a reputable travel insurance company before your trip.

Yes, you will need a visa to visit Bali.

The best way to get around Bali is by private car or motorbike. You can also take public transportation, such as buses or taxis.

Since it is strongly advised to have travel insurance for your travels we believe that it is worth spending on travel insurance for Indonesia. This will give you peace of mind and protection in case of any unforeseen circumstances.

Bali Day Trips and Activities:

 
A guided tour and sightseeing events are some of the best ways to experience Bali. Here’s some excellent deals for the most popular trips and activities around the Balinese islands. (Remember, you can cancel your bookings at anytime!)

Bali Travel Guides

For more in-depth reading on Bali, you can get your hands on a copy of these bestsellers below:

    • Lonely Planet Bali, Lombok & Nusa Tenggara (Travel Guide) on Amazon
    • DK Eyewitness Bali and Lombok (Travel Guide) on Amazon

Book Your Trip to Bali: Budget Tips & Tricks

 

Flights: As always, I source the cheapest flights on the web from Skyscanner and Kiwi.com. They are considered the top flight search engines for the best deals.

Accommodation: I use Booking for the best hotel deals and HostelWorld for the cheapest stays. If you’re considering Airbnb, be sure to check Vrbo to find cheaper vacation stays. 

SIM cards: DrimSim is a universal SIM card that isn’t tied to an operator and works in any country/region.

Travel Insurance: Stay protected from theft, injury, illness, and cancellations. A safety net in case anything goes wrong, I never leave without it. World Nomads is my favourite agent for total peace of mind.

Tours & Excursions: I book all my fave activities and guided tours on Get Your Guide & Viator – they do superb deals whilst offering excellent customer support.

Renting a car? I always use DiscoverCars, make sure you book your car hire in advance. For airport transfers, I use KiwiTaxi for the best deals.

Need to store your luggage in a locker? Use Radical Storage to store your stuff in a locker in any city for just $5 per day.

Head over to my Travel Tools page for all my best travel tips & advice and everything you need for your trip.

I hope you enjoyed reading my post: Do I Need Travel insurance for Bali, Indonesia?, and feel inspired to visit this gem of an island one day!

Let me know what you thought in the comments, thank you!

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Billy

Billy

Lover of epic adventures, slow travel, and great coffee. When not travelling, Billy teaches dance, and creates performances on commissioned projects.

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Hey there! I’m Billy, the guy behind BRB | Gone Somewhere Epic. I’ve been travelling around the world for nine years, having an absolute blast going on epic adventures, without breaking the bank. Click here to read more about the art of budget travel.

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