When planning a trip to Indonesia for beaches, adventure sports and Balinese cultural excursions, it’s wise to have a safety net for peace of mind. Travel insurance can help protect your investment in case of the unexpected.
When you find the right travel insurance plan for you, you can relax knowing you’ll receive reimbursem*nt for some or all of your prepaid trip costs. Below, we at the Marketwatch Guides Team discuss the best travel insurance for Bali vacations, including the costs involved and specific requirements.
How Much Does Bali Travel Insurance Cost?
The cost of travel insurance largely depends on your personal preferences and age. Other factors to consider include pre-existing medical conditions for appropriate medical insurance. Plan options may consist of useful single-trip and annual multi-trip policies.
For a Bali travel insurance quote, you’ll need to provide the below information on insurance provider sites:
- Number of travelers and ages of each traveler
- Destination country and location
- Home country and location
- Total trip price
We requested quotes from ten travel insurance companies for their most affordable plan for a trip to Bali. The below quotes are for a 30-year-old traveler from Florida, traveling to Bali for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.
Company | Most Affordable Plan | Cost |
---|---|---|
Faye | Travel Protection | $188.89 |
Seven Corners | Trip Protection Basic | $115.00 |
Nationwide | Essential | $119.01 |
Berkshire Hathaway | ExactCare Value | $109.00 |
Travelex | Basic | $121.00 |
AIG Travel Guard | Essential | $95.80 |
Trawick | Safe Travels Protect | $85.85 |
Generali | Standard | $134.98 |
Travel Insured International | Worldwide Trip Protector | $141.00 |
Allianz | Basic | $156.00 |
Average | $126.65 |
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These quotes were collected in April 2024 for a trip in September 2024.
The quotes listed to determine the cost of travel insurance were collected from each company’s website in May 2023. In general, standard plans for international travel insurance to Bali include coverage for trip cancellation and interruption, emergency medical and transportation and baggage loss or delay.
Compare The Best Bali Travel Insurance Companies
Use the table below to compare CFAR coverage, average costs and COVID-19 coverage of our top recommended travel insurance companies for a trip to Bali:
Company | Average Plan Cost | CFAR Coverage | COVID-19 Coverage | BBB Rating | Visit Site |
---|---|---|---|---|---|
Our Top Pick FayeEXPLORE PLANS | $256 | Yes, up to 75% | Yes | Not Rated | EXPLORE PLANS |
TravelexEXPLORE PLANS | $202 | Yes, up to 75% | Yes | A+ | EXPLORE PLANS |
Nationwide Travel InsuranceEXPLORE PLANS | $206 | Yes, up to 75% | Yes, limited | A+ | EXPLORE PLANS |
Seven Corners Travel InsuranceEXPLORE PLANS | $206 | Yes, up to 75% | Yes | A+ | EXPLORE PLANS |
Trawick InternationalEXPLORE PLANS | $180 | Yes, up to 75% | Yes | B | EXPLORE PLANS |
Generali Global AssistanceEXPLORE PLANS | $201 | Yes, up to 60% | Yes | A+ | EXPLORE PLANS |
$137 | Yes, up to 75% | Yes, limited | A+ | EXPLORE PLANS | |
HTH Travel InsuranceEXPLORE PLANS | $212 | Yes, up to 75% | Yes, limited | A- | EXPLORE PLANS |
Company | BBB Rating | Average Plan Cost | CFAR Coverage | COVID-19 Coverage | Visit Site |
---|---|---|---|---|---|
Our Top Pick FayeEXPLORE PLANS | Not Rated | $256 | Yes, up to 75% | Yes | EXPLORE PLANS |
TravelexEXPLORE PLANS | A+ | $202 | Yes, up to 75% | Yes | EXPLORE PLANS |
Nationwide Travel InsuranceEXPLORE PLANS | A+ | $206 | Yes, up to 75% | Yes, limited | EXPLORE PLANS |
Seven Corners Travel InsuranceEXPLORE PLANS | A+ | $206 | Yes, up to 75% | Yes | EXPLORE PLANS |
Trawick InternationalEXPLORE PLANS | B | $180 | Yes, up to 75% | Yes | EXPLORE PLANS |
Generali Global AssistanceEXPLORE PLANS | A+ | $201 | Yes, up to 60% | Yes | EXPLORE PLANS |
A+ | $137 | Yes, up to 75% | Yes, limited | EXPLORE PLANS | |
HTH Travel InsuranceEXPLORE PLANS | A- | $212 | Yes, up to 75% | Yes, limited | EXPLORE PLANS |
No results were found.
Do I Need Travel Insurance for Bali?
It’s not mandatory to buy travel insurance for a vacation in Bali. However, whether you’re traveling to Indonesia for business or pleasure, comprehensive travel insurance is recommended. If you require medical care in Bali, up-front costs can be expensive without medical coverage. In the case of trip interruptions or trip cancellations, insurance helps protect you from financial loss.
From exploring rice fields in Ubud to riding a scooter around Denpasar and rafting the Agung River, adventure activities are popular in Bali. A travel insurance policy with coverage for unexpected injuries is a good idea if you intend to participate.
Cancel for Any Reason Coverage (CFAR)
Travel insurance companies offer cancellation coverage with standard policies. However, you’re limited with regard to your reasons for canceling. Typically, they include the death of a family member, hospitalization or similar medical emergencies.
Cancel for any reason coverage, otherwise known as CFAR, is a policy upgrade that allows you to remain flexible and cancel travel plans at your discretion. For example, in the case of the pandemic and different requirements for COVID-19 coverage, CFAR allowed for a wide range of changing circ*mstances.
It’s important to note that CFAR is subject to disclaimers and restrictions. For example, to reimburse a trip cost, you may need to cancel within 48 or 72 hours of a departure or travel delay.
Gear Theft Protection
Whether you’re surfing in Kuta or scuba diving on a boat trip from Seminyak, gear theft protection is useful when you’re taking equipment with you. This may include valuables such as:
- Laptops
- Professional cameras
- Surfboards or snorkeling and scuba diving gear
- Jewelry
Travel insurance coverage helps with the financial loss of items that are damaged, stolen or lost by airlines and tour operators. Generally, your insurance provider reimburses costs up to a predetermined limit. Check if exclusions apply and leave valuable items in your home country if they’re not fully covered.
Medical Emergency Insurance and Emergency Medical Evacuation
The health care system in Bali accommodates tourists with international standards of health care at hospitals and medical treatment centers. Typical health concerns in Bali range from an upset stomach due to new foods to accidents on motorbikes. Therefore, it’s important to have insurance to cover unexpected medical costs.
In the unfortunate case of accidents and illness, travel insurance for medical emergencies generally includes the following:
- Ambulance
- Hospital fees, such as operating room charges
- Emergency dental work
- X-rays
Most health insurance plans include emergency medical evacuation and repatriation if local medical care isn’t available or you need to fly back to your home country. If you’re doing adventure sports or riding scooters, check if your plan covers associated accidents.
Rental Car Protection
To rent a car in Bali, you need an International Drivers Permit and a valid license from your home country. It’s important to get a rental vehicle from a trusted company to ensure third-party insurance is included. Optional coverage is recommended to limit your liabilities while driving around the island.
Coverage may vary depending on the insurance provider. As a general rule, the following is offered by rental car companies:
- Collision damage waiver
- Windshield protection
- Roadside assistance
- Theft protection
Most Bali travel insurance plans include rental vehicle excess cover on top of insurance from car rental companies. This helps reimburse the costs of excess paid for stolen or damaged cars.
Trip Cancellation Insurance
If you cancel your Bali vacation before departure, standard travel insurance policies cover trip cancellations for a limited number of reasons. Typically, known and ongoing natural disasters, such as volcanic eruptions, are not covered.
Choose CFAR coverage to remain flexible for changing travel plans. As a general rule, accepted reasons for trip cancellations include:
- Death of family members
- Hospitalization or serious illness
- Severe weather conditions preventing departure
- Jury or military duty
How Do I Get Travel Insurance for Bali?
When planning a trip to Bali, find out if your credit card or current health insurance provider offers travel insurance. If so, check the policies to ensure appropriate coverage for the type of vacation you’re expecting. It’s also possible to purchase Bali travel insurance directly through your airline.
Otherwise, the best advice is to shop around and compare prices between providers. Choose the best travel insurance to suit your personal needs.
Bali Safety Tips
Below are general travel and safety tips to help you enjoy peace of mind during your Bali vacation.
Crime and Safety
According to the U.S. Department of State, the Indonesian Travel Advisory is at Level 2: Exercise Increased Caution. However, Bali isn’t mentioned in areas of increased crime risk or terrorist activities.
Petty crimes, such as pickpocketing and drink spiking, may occur in Bali. It’s advised to stay alert in crowded areas, nightclubs and bars. Indonesia is also susceptible to natural disasters such as volcano eruptions, tsunamis and floods.
Day Trips, Tours and Excursions
From scuba diving to hiking and island-hopping, Bali offers a range of exciting tours and day trips. Travel insurance helps protect you financially during accidents and travel plan changes.
Always ensure tours are booked with reputable organizations. Seek advice from travel agents and hotel concierges. Visit the official website of the Ministry of Tourism, Republic of Indonesia for travel advice.
COVID-19
According to the Indonesian Embassy as of May 2023, all travelers over 18 must show a physical or digital vaccination certificate for the second dose of a COVID-19 vaccine. On arrival, travelers must comply with Indonesian health protocols which may include a temperature check or PCR test.
Is Travel Insurance for Bali Worth It?
Though travel insurance isn’t mandatory for visiting Bali, it’s recommended to protect against financial loss due to cancellation, and to cover unexpected medical emergencies.
To decide if travel insurance is worth it, take into account pre-existing medical conditions and the activities you’re likely to do on vacation. Even if you’re not riding scooters or doing adventure sports, accidents can occur. We recommend getting quotes from at least three providers to find the best deal for your travel insurance plan.
Frequently Asked Questions About Travel Insurance in Bali
Travel insurance with trip cancellation or interruption ensures that you can claim compensation for a delayed or canceled fight. Otherwise, compensation is at the discretion of airlines and may not be applicable in many circ*mstances.
It’s not mandatory to buy travel insurance for a Bali vacation. However, it’s recommended to get comprehensive travel insurance before you leave to cover unexpected medical costs. Otherwise, medical care may result in paying thousands of dollars up-front.
According to the U.S Department of State, travelers to Bali require a passport valid for six months with at least two blank pages. You’ll buy a visa on arrival for approximately $35.
Travelers over the age of 18 must show proof of two doses of COVID-19 vaccination.
Travel insurance rates vary depending on the plan purchased, the destination and your age. As a general estimate, basic plans start from about $100 and can be as high as $500 for premium international travel insurance.
How We Rated Travel Insurance Companies for Bali
Our team surveyed dozens of travel insurance providers and created a scoring system to judge each company based on coverage, quality and service. We also collected sample quotes from each company, both over the phone and on the internet, to simulate an authentic customer experience. Here are the factors we take into consideration when rating providers:
- Cost (10%): To determine a baseline average travel insurance cost, we gathered quotes from each travel insurance company based on different traveler profiles. Travel insurance companies at or below our calculated average cost of $221 earn full points in this category. Specifically, we obtained quotes for the following trips
- A 30-year-old couple taking a $5,000 vacation to Mexico.
- A family of four taking an $8,000 vacation to Mexico.
- A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
- A 30-year-old couple taking a $7,000 trip to the United Kingdom.
- A 19-year-old taking a $2,000 trip to France.
- A 27-year-old couple taking a $1,200 trip to Greece.
- A 51-year-old couple taking a $2,000 trip to Spain.
- Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
- Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
- Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursem*nt amounts for baggage, travel and weather delays. Companies that offer customers reimbursem*nt after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
- Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).
For more information, read our full travel insurance methodology.
A.M. Best Disclaimer
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