A Guide to Getting the Best Travel Insurance in Bali

Travelers heading to Bali will want to get travel insurance that covers all of their planned activities and their transportation methods. Providers IMG, Allianz, World Nomads, and AIG Travel Guard are among the best companies to purchase from to get quality, reliable coverage.

Are you traveling to Bali soon and need help picking your travel insurance plan? Are you unsure what benefits you’ll need and which providers to trust?

Look no further! This complete guide to travel insurance in Bali will explain the advantages of getting insurance, which coverage benefits you should secure, which exclusions to watch out for, what topics to consider, which providers are the strongest, and much more.

We encourage you to read our core article in this series, The 10 Best Travel Insurance Companies, since it is packed with a comparison of the best providers of travel policies. 

If you have any questions, please contact us online or by phone. We’re happy to help!

Kickstart Your Search for the Perfect Insurer

Compare over
50,000 Plans
from Top Insurers

Compare NOW

Why Travel Insurance is Necessary for a Trip to Bali

Travel insurance is necessary for a trip to Bali because it protects you from unexpected medical emergencies, natural disasters, travel disruptions, and accidents, all of which are relatively common in Indonesia’s popular tourist areas.

While Bali is a stunning and enriching destination, it comes with risks that can be costly if you’re not covered.

1. First, medical care for travelers in Bali is often only available at private hospitals, which require payment upfront and can be expensive, especially for serious injuries or illnesses.Common traveler issues include scooter accidents, foodborne illness, and infectious diseases like dengue fever. In more severe cases, you may need emergency evacuation to Singapore or Australia, which can cost tens of thousands of dollars without insurance.
2. Second, Bali is located in a seismically active zone, making volcanic eruptions and earthquakes a real possibility. Past eruptions from Mount Agung, for example, have grounded flights and forced evacuations.Travel insurance can cover trip delays, missed connections, or cancellations due to such natural events.
3. Lastly, travel insurance gives you access to 24/7 support services, such as emergency medical referrals, help with lost passports, or rebooking flights after a delay, providing peace of mind so you can enjoy your trip stress-free.

What Travel Insurance to Bali Typically Covers

Travel insurance to Bali usually includes a variation of emergency medical coverage, trip interruption and delay coverage, and protection for your belongings. Our list below details the most common benefits included in these plans.

• Emergency Medical Coverage: Covers hospital stays, doctor visits, and urgent medical treatment if you get sick or injured in Bali. This is essential, as U.S. health insurance rarely covers care abroad.
• Emergency Medical Evacuation: Pays for transportation to the nearest adequate medical facility or back to your home country if local care isn’t sufficient. This can include air ambulance services, which can cost as much as USD $350,000 without insurance.
• Trip Cancellation: Reimburses prepaid, non-refundable trip costs (like flights or hotels) if you must cancel your trip due to covered reasons—such as illness, injury, death in the family, or natural disasters.
• Trip Interruption: Covers unused portions of your trip or the cost of returning home early if an emergency forces you to cut your trip short (e.g., family emergency, injury, or major weather event).
• Travel Delay: Pays for meals, lodging, or other expenses if your trip is delayed due to reasons like weather, mechanical issues, or airline problems, after a specified waiting period.
• Baggage Loss or Theft: Reimburses you if your luggage is lost, stolen, or damaged during your trip. This includes clothing, electronics, and personal items up to policy limits.
• Baggage Delay: Covers the cost of essentials (like clothes or toiletries) if your checked bags are delayed for a certain number of hours.
• Accidental Death and Dismemberment (AD&D): Provides a benefit to you or your beneficiaries if a covered accident results in your death or serious injury, such as the loss of a limb or eyesight.
• 24/7 Travel Assistance Services: Gives you access to a multilingual support line for help with medical referrals, emergency cash transfers, passport replacement, legal aid, or finding nearby clinics.
• Repatriation of Remains: Covers the cost of transporting your body back to your home country in the event of death during your trip.
• Rental Car Coverage (optional): Provides protection if your rental car is damaged or stolen while you’re in Bali. Some plans also include liability protection, though local insurance may still be required.
• Coverage for Adventure Activities (optional): If you plan to scuba dive, zipline, ATV, or do other high-risk activities, this add-on ensures you’re covered if you’re injured while participating.
• COVID-19 Coverage (varies by plan): Many modern policies now include coverage for COVID-related illness, testing, quarantine expenses, and trip disruption due to infection.

Common Exclusions for Travel Insurance in Bali

Here are some common exclusions found in travel insurance policies for Bali:

• Pre-existing medical conditions (unless a waiver is included)
• Injuries from high-risk or extreme sports (unless added as an optional rider)
• Traveling against government travel advisories
• Mental health disorders
• Self-inflicted injuries or suicide attempts
• Drug or alcohol-related incidents
• Routine or elective medical procedures
• Pregnancy-related expenses (especially in late stages)
• Losses due to illegal activities
• War, terrorism, or civil unrest (varies by policy)
• Unattended baggage or valuables
• Travel disruptions due to known events (like named storms if booked after warning)
• Missed flights due to negligence (e.g., oversleeping)
• Participation in professional sports or competitions
• Cosmetic or dental treatments (unless from an accident)

Key Considerations When Picking Bali Travel Insurance

Travelers buying travel insurance for Bali need to consider their plans’ access to private hospitals and medical evacuation, if the plan has extension options, and if it covers COVID-19 and natural disasters. Each of these concerns are uniquely catered to the needs of Bali and Indonesia.

Medical Evacuation and Hospital Access

While Bali has reputable private clinics and hospitals (like BIMC and Siloam), serious medical emergencies may require evacuation to Singapore or Australia, especially for surgery or specialized treatment.

Travel insurance should include at least $100,000–$250,000 in medical evacuation coverage, and ideally, the provider should have direct billing agreements with Bali’s private hospitals to avoid upfront costs.

Flexibility for Long-Term or Digital Nomad Stays

Many travelers stay in Bali longer than expected. If you’re a digital nomad, freelancer, or remote worker, look for insurance that can be extended on the go or is a hybrid plan, like from IMG that covers longer stays and multiple countries. These are ideal for expats, backpackers, or slow travelers.

COVID-19 and Infectious Disease Coverage

While restrictions have eased, COVID-19 and illnesses like dengue fever and traveler’s diarrhea are still common concerns in Indonesia. Pick a policy that includes COVID-related treatment, testing, and quarantine expenses. Some insurers also offer pandemic-related trip cancellation benefits.

Natural Disaster and Weather-Related Disruptions

Indonesia is in the Ring of Fire, making it prone to earthquakes, volcanic eruptions, and flooding during the rainy season (November–March). Mount Agung and Mount Batur, both active volcanoes in Bali, have caused flight disruptions and evacuations in the past, so travelers need to be aware of them.

Choose a policy that includes natural disaster coverage, trip interruption, and missed connection benefits in case your plans are affected by a natural event.

Best Travel Insurance Providers for Bali

Allianz Travel, IMG, World Nomads, and AIG Travel Guard are among the best travel insurance providers who offer coverage for trips to Bali. They offer flexible plans with various tiers of coverage to choose from and years of experience in the industry.

Be sure to read our list of the 10 best travel insurance companies for more ideas!

Allianz Travel

Allianz offers those traveling to Bali comprehensive travel insurance plans, with both single-trip and annual/multi-trip options. Benefits and coverage limits vary across policies, with some plans covering a policyholder’s pre-existing conditions. They offer 5 OneTrip plans and 4 AllTrips plans.

Though coverage benefits may vary across each plan, some of the benefits included in Allianz’s travel insurance plans are the following: 

• Trip cancellation coverage
• Trip interruption coverage
• Trip change protector coverage
• Emergency medical coverage
• Emergency medical transportation coverage
• Lost/damaged baggage coverage
• Baggage delay coverage
• Travel delay coverage

IMG

IMG Global offers travel medical insurance to Bali through their Patriot plans and standard travel insurance through their TravelInsured plans. Policyholders can choose their desired level of coverage through the different categories under these plans. 

In addition to these travel insurance policies, IMG Global also offers a travel insurance policy specifically for seniors called their GlobeHopper plan.

Some of the benefits included in IMG’s travel insurance policies are: 

• Trip cancellation and interruption coverage
• Baggage and personal effects coverage
• Medical evacuation and repatriation of remains
• Rental car damage and theft coverage
• 24/7 emergency assistance support
• Transportation of child/children
• Accident & sickness expenses 
• Return transportation

World Nomads

World Nomads is a popular travel insurance provider known for its flexibility, broad coverage, and appeal to adventure travelers, digital nomads, and backpackers. Designed by travelers, World Nomads offers plans that can be purchased even after you’ve left home and are valid in over 140 countries.

World Nomads is especially well known for covering a wide range of adventure and sports activities that many traditional insurers exclude, making it a top choice for those visiting Bali, who plan to rafting, ATV riding, surfing, and more.

Some common benefits included in World Nomads plans include:

• Emergency medical coverage
• Emergency medical evacuation and repatriation
• Trip cancellation and interruption
• Travel delay and missed connection coverage
• Baggage loss, theft, or damage
• Baggage delay reimbursement
• Accidental death and dismemberment (AD&D)
• Coverage for over 200 adventure activities (e.g., surfing, hiking, scuba diving)
• 24/7 emergency assistance and customer support
• Coverage extension if you’re stuck abroad due to a covered reason
• COVID-19 coverage (varies by country and plan)
• Overseas dental treatment (emergency only)

AIG Travel Guard

AIG has a strong presence as an international insurance provider in the Americas, Europe, the East Pacific, the Middle East, and Africa. With 3 Travel Guard plans and a quick Pack N’ Go plan for spontaneous travelers, AIG is known for their customer focus, global reach, and 24/7 customer support.

Here are some core benefits included in AIG Travel Guard plans:

• Trip cancellation
• Trip interruption
• Trip delay
• Lost and stolen baggage
• Delayed baggage
• Emergency evacuation
• Repatriation of remains
• Concierge services
• Travel medical assistance
• Worldwide travel assistance

How to Purchase Travel Insurance for Bali Travel

To purchase a travel insurance policy for a trip to Bali, follow these simple 6 steps:

• Step 1: Determine What Coverage You Need. Think about your trip details and personal needs when it comes to emergency coverage, hospital stays, trip cancellation or interruption, lost or delayed luggage, and adventure sports coverage.
• Step 2: Choose Where to Buy. You can buy travel insurance directly from insurance companies like Allianz, IMG, and GeoBlue, you can use comparison websites like Squaremouth.com or InsureMyTrip.com, or you can contact a broker.
• Step 3: Enter Your Trip Information. You’ll need to provide your travel destination, travel dates, total trip cost (for cancellation coverage), age and number of travelers, and type of coverage desired.
• Step 4: Compare Policies. Review your options based on their coverage limits (especially for medical and evacuation), deductibles, included and excluded benefits, provider reputation and reviews, and price.
• Step 5: Purchase the Policy. Once you’ve selected a plan, you can fill in your traveler details and pay online by credit/debit card. You will likely receive your confirmation and policy documents via email.
• Step 6: Review Your Coverage Before You Travel. Don’t forget to review your plan so you know what numbers to call in an emergency and so you can download the insurer’s app if they offer one. Make sure your coverage includes your planned activities and any pre-existing conditions if relevant.

4 Common Mistakes to Avoid When Picking Travel Insurance

Not checking for scooter or motorbike coverage, failing to get emergency evacuation protection, and procrastinating to buy travel insurance until after departure are among the most common mistakes travelers to Bali make when it comes to travel insurance. Get informed so you don’t make them too!

1. Skipping Coverage for Scooter or Motorbike Accidents

Scooters are one of the most popular—and sometimes only—ways to get around Bali, but many travelers don’t realize that most insurance plans exclude coverage for motorbike accidents unless specific conditions are met.

Some policies require you to hold a valid motorbike license in your home country and in Indonesia, and to wear a helmet. If you’re renting or riding a scooter in Bali, make sure your insurance explicitly includes motorbike coverage. Otherwise, any injuries or damage sustained in an accident might not be reimbursed, even if you’re not at fault.

2. Choosing a Plan Without Medical Evacuation Coverage

Many travelers make the mistake of picking a basic or budget plan without verifying the medical evacuation limit and assuming it’s already included. While Bali has decent private clinics for minor issues, serious medical emergencies may require evacuation to hospitals in Singapore or Australia.

This kind of air evacuation can cost tens of thousands of dollars. A strong plan should offer at least $100,000 in evacuation coverage, especially if you’re planning remote travel or adventure activities.

3. Assuming All Adventure Activities Are Covered

Bali is famous for surfing, scuba diving, volcano trekking, yoga retreats, and jungle adventures, but not all travel insurance policies cover these activities. Many travelers assume “leisure activities” are included, only to find out their injury while surfing or hiking Mount Batur isn’t covered.

If you plan to do any activities beyond basic sightseeing or beach lounging, make sure your insurance policy includes adventure sports coverage, or purchase an add-on that extends protection to those activities.

4. Waiting Until After Departure to Buy a Policy

Some travelers forget or delay buying insurance until after they’ve already arrived in Bali, only to discover that many providers don’t allow coverage to start post-departure, or limit the benefits if they do. This can leave you uninsured for part of your trip.

A few providers, like World Nomads and SafetyWing, do allow post-departure purchases, but it’s not a standard feature. Always check the start date rules and be sure you’re covered from the moment you leave your home country, especially for longer stays or digital nomad lifestyles.

Other Insurance Options for Travelers in Bali

Bali visitors who don’t want to purchase travel insurance can also consider an international health insurance plan for more comprehensive, global coverage or a short-term health insurance plan for temporary, substantial protection a step up from travel but a step down from international.

International Health Insurance in Bali

International health insurance offers flexible, customizable, globally portable coverage to give expats and frequent travelers comprehensive medical care worldwide. These plans offer exclusive benefits that can be tailored to your lifestyle, and they don’t have to be expensive.

Short-Term Health Insurance in Bali

Most short-term health insurance plans are not as comprehensive as international health insurance, but they are often more comprehensive than travel insurance. These plans can be ideal for trips any length lower than 12 months that require more coverage than basic emergency care.

Short-term insurance often covers:

• Preventative care
• Emergency care
• Urgent care
• Medical tests
• Discounted medications

Most do not cover pre-existing conditions, mental health services, maternity care, or substance abuse.

Frequently Asked Questions

Do I need travel insurance if I already live in Bali as an expat?

If you’re an expat on a temporary visa in Bali or are still traveling frequently, travel insurance is needed to cover medical emergencies, evacuation, trip interruptions, and even return visits home. Many expats use travel insurance before securing long-term health insurance in Indonesia.

What should travel insurance for Bali include specifically?

Expats often look for travel insurance in Bali that has coverage for scooter accidents, natural disasters, emergency evacuation, and adventure sports like surfing or diving. Since hospitals may require upfront payment, plans with direct billing or strong evacuation support are a plus.

Can I buy travel insurance if I’m already in Bali?

Some providers like World Nomads and SafetyWing will allow expats who are already in Bali to buy or renew insurance after arrival. This is useful if you forgot to purchase it before traveling or are staying longer than expected.

Are travel insurance and expat health insurance the same?

Travel insurance is designed for short-term coverage, including trip cancellations and baggage loss. Expat health insurance provides ongoing medical care, preventive services, and chronic condition coverage. Expats staying long-term often transition to a health plan later.

Which insurers are most recommended for expats in Bali?

Popular insurance options for expats and travelers in Bali include World Nomads, SafetyWing, IMG, Allianz, and Cigna Global. Each offers different features for travelers and long-term residents, depending on your needs, age, and planned activities.

Start by Comparing
Insurance Plans Online

Browse and Compare 50,000+
International Health Plans

Compare NOW

Conclusion

This complete guide has given travelers to Bali a big idea of what they need to know about travel insurance and how they can secure the right plan for their needs.

If you found value in this article, we highly encourage you to also read our pages Tips for Picking the Right Indonesia Travel Insurance and Compare the Top 6 Philippines Travel Insurance Companies.

Above all else, you’ll want to check out our travel insurance quotes page to begin comparing providers, plans, and costs right away. If you’d like help in the comparison process, reach out to our insurance experts. Happy travels!

Other Recommendations:

• Indonesia Health Insurance for Expats
• Top 10 Health Insurance Providers for Expats in Indonesia
• Living in Bali as an American: Essential Expat Guide
• Relocating to Bali: Cost Guide for Expats
• Visa for Digital Nomads Traveling to Bali

• Author
• Recent Posts

Jantra Jacobs

Senior Copywriter at Pacific Prime

Jantra Jacobs is a Senior Copywriter at Pacific Prime with over 10 years of writing and editing experience. She writes and edits a diverse variety of online and offline copy, including sales and marketing materials ranging from articles and advertising copy to reports, guides, RFPs, and more.

Jantra curates and reports on the results of Pacific Prime’s monthly newsletters, as well as manages Pacific Prime’s Deputy Global CEO’s LinkedIn posts. Complemented by her background in business writing, Jantra’s passion for health, insurance, and employee benefits helps her create engaging content - no matter how complex the subject is.

Growing up as a third-culture kid has given her a multicultural perspective that helps her relate to expats and their families while 8 years of working remotely have given her unique insight into hybrid work arrangements and enthusiasm for employee benefits.

Latest posts by Jantra Jacobs (see all)

• Key Steps for Implementing a Corporate Wellness Program - July 11, 2025
• Japanese Encephalitis: Travel Advice - July 11, 2025
• 5 Metrics to Evaluate the Impact of Your Employee Wellness Program - July 10, 2025