Best Travel Insurance for Bali: Review of Options in Australia [2025]

As an ever-popular destination for Australians, Bali in Indonesia outpaced New Zealand as the number one holiday spot in 2023-24 for the first time, with over 1.5 million trips recorded and close to 90% of these being for leisure.¹

While planning a trip to this beautiful island is undoubtedly exciting, organizing insurance for your time away can be far less so. Regardless, it shouldn't be overlooked and is arguably one of the most important things to arrange before you depart.

In this guide, we’ll explain why travel insurance for Bali is essential and explore different providers, policy types, and common inclusions. We've gathered the details you need to find the best travel insurance for your trip to Bali, suiting your specific needs and budget.

We'll also introduce to you Wise Travel Card that can help you save on international transactions with currency conversions at mid-market exchange rates.

Do you need travel insurance for Bali?

While there is currently no legal requirement for inbound visitors to obtain travel insurance, it is strongly recommended.

The standard of medical care in Bali tends to be lower than in Australia, particularly in public healthcare facilities. Private care, particularly in hospitals more on par with those in Australia, can be incredibly expensive, and payment is often required upfront before any assistance will be provided.²

Even if you don’t plan to ride a motorbike, scuba dive, or similar, the presence of mosquito-borne viruses such as Dengue and Malaria, alongside water quality concerns related to typhoid, cholera, and other easily communicable diseases, make health insurance for Bali a very wise investment.²

Beyond covering you for medical emergencies, securing insurance for travel to Bali can also potentially provide cover for theft, travel delays, loss of luggage, and dental emergencies.

What is the best travel insurance for Bali from Australia?

Which insurer offers the best policy for travel to Bali can vary based on several factors, including the age of the traveller, activities planned, trip duration, whether any pre-existing conditions need to be covered, and more.

However, to help you find the right fit from a reputable insurer, we recommend looking for the following:

• Ensure that your age and duration of trip are permitted and included in the policy pricing.
• Confirm whether the policy also covers any family travelling with you or if cover can be added for them.
• Review whether any pre-existing conditions are included, excluded, or require approval.
• Look to see what activities are covered and which aren’t, and whether an additional premium can be paid to add coverage as needed.
• Determine if there is an excess, how much it is, and when it is paid.
• Check claim limits for hospital care and repatriation and ensure these are high enough.
• Consider their available customer support and whether it is sufficient for your needs.

How much is travel insurance to Bali?

How much you will pay for travel insurance for a trip to Bali will differ based on the specifics of your trip and your personal coverage needs. For example, insurance for an individual over 65 with multiple pre-existing health concerns will typically cost more, as will trips of extended duration.

Likewise, choosing a basic plan with no added coverage aside from medical and dental will be less expensive than a comprehensive policy with a broader range of coverage offered.

5 Top Travel Insurance for Bali Providers in Australia

Whether you’re after cheap travel insurance for Bali or simply a policy that is competitively priced with ample coverage, there is no shortage of providers to choose from.

Below, we have outlined some of Australia’s leading insurers so you can more easily compare travel insurance for Bali. We have also included both a basic policy option and a comprehensive plan to highlight the general differences in coverage between more budget-friendly and more expensive policies.

1. Covermore

A dedicated travel insurer with over 35 years in the industry, Cover-More estimates that it insures more than 15 million travellers each year worldwide.³ A well-known provider, they offer:

• 24/7 world-class emergency medical assistance with dedicated health support alarm centres in Australia, Argentina, the UK and Canada
• Tailored travel insurance solutions with adjustable coverage limits and add-on options
• Tiered policy options to suit differing budgets and coverage needs

Please note: Coverage limits are subject to terms, conditions, and exclusions as outlined in the PDS.
As seen 20 March 2025

2. Allianz

Allianz has a strong presence in Australia and has provided insurance across several industries for over 100 years.⁵ Highly experienced in a variety of insurance types, their travel insurance offers:

• Multiple policy tiers to suit different budgets and coverage requirements
• Automatically included cover for a wide range of activities
• Option to increase certain item limits and tailor cover to your needs

Please note: Coverage limits are subject to terms, conditions, and exclusions as outlined in the PDS.
As seen 20 March 2025

3. Southern Cross

A relative newcomer to travel insurance in Australia, having only started offering policies in 2009, Southern Cross has still covered an impressive 6 million plus travellers worldwide since then. A subsidiary of New Zealand’s Southern Cross Group, they offer⁷:

• 24/7 emergency assistance
• A simplified and supported claims process
• Multiple policy options to cater to different budgets and coverage preferences

Please note: Coverage limits are subject to terms, conditions, and exclusions as outlined in the PDS.
As seen 20 March 2025

4. 1Cover

Offering award-winning insurance, 1Cover provides a limited number of travel policies, stating that this is to keep things simple and ensure they cater to every budget and traveller. They offer¹⁰:

• 24/7 emergency assistance
• Fast, online claims lodgement and processing
• Easy declaration of pre-existing conditions and the option to add coverage for these

Please note: Coverage limits are subject to terms, conditions, and exclusions as outlined in the PDS.
As seen 20 March 2025

5. Travel Insurance Direct (TID)

Advertising as one of the fastest-growing travel insurance companies in Australia, TID is a smaller insurer with pared-back but straightforward policy offerings. Part of the NIB group, they provide:¹²

• 24/7 emergency assistance
• Included coverage for a variety of activities
• The option to donate to give-back initiatives through the Footprints Network with each policy purchase

Please note: Coverage limits are subject to terms, conditions, and exclusions as outlined in the PDS.
As seen 20 March 2025

Things to watch out for

Mopeds are a popular mode of transport in Bali; however, not all insurers will cover you for this. Even where an additional premium can be paid to add coverage, strict conditions apply. This often includes a requirement to wear a helmet, hold a valid motorbike license in Australia or an international equivalent, and restrictions on how powerful a bike can be (CCs), among other things.

Failure to adhere to these rules and any other relevant local regulations can void your coverage, effectively rendering you uninsured should you be in an accident. As such, it is critical to not only add this cover where required but also to read the associated terms and conditions in detail.

Heading to Bali? Get more Indonesian rupiah for your AUD with the Wise card

When planning your trip, it's crucial to consider how you'll spend in Bali. High foreign transaction fees or unfavorable exchange rates can quickly inflate your travel costs. The Wise card is a simple way to save up to 7x when you're spending internationally. You can spend in 150+ countries at mid-market rate — basically the rate you see on Google. With no foreign transaction fees and low, transparent pricing, Wise usually gives you the best value for your money.

Simply create a Wise account for free, order a card and top-up AUD to get started. Having a physical Wise card allows you to make chip and pin payments, as well as make some free ATM withdrawals each month for when you're abroad. You can get digital cards and add to your Google or Apple Pay wallet for instant use. Spend directly with the Wise account in AUD and let auto-conversion do the trick or convert in advance to your desired currency. You can hold and exchange 40+ currencies in your Wise account and spend the currencies you hold for free.

Wherever your travel takes you, the Wise card makes spending money abroad cheaper and easier.

🚀 Get your Wise card

Sources:

Sources checked on: 20 March 2025