Buying travel insurance for Bali should be one of the first things you do before you jet off to this fantastic destination. After all, you never know when a vacation will be interrupted by a broken leg, lost luggage, or a flight delay. Having Indonesia travel insurance, or insurance for travel to Bali specifically, means you won’t be stuck with tons of extra fees if something unexpected happens.
Best Travel Insurance for Bali – Price & Requirements
When we went to Bali, we purchased Heymondo travel insurance before our trip. As it turned out, this was a very smart decision since I ended up needing medical treatment during the trip. Even if nothing had gone wrong, though, travel insurance for Bali was worth having just for the peace of mind it gave us.
Of course, to have the perfect trip, you’ll also need to decide what things you want to do in Bali and where to stay in Bali. In terms of Bali travel insurance, though, these are all the things you need to know:
- Is travel insurance mandatory for Bali?
- How much is travel insurance for Bali?
- Best travel insurance for Bali
Ready to learn more about the best travel insurance for Bali? Let’s get to it!
Is travel insurance mandatory for Bali?
Travel insurance for Bali is not currently mandatory. Still, purchasing travel insurance that covers COVID-19 is always a smart idea.
Is travel insurance mandatory for Bali?
After all, you never know when you’ll get sick or injured while you’re traveling. Plus, paying medical fees out of pocket can get incredibly expensive. On top of that, having insurance for travel to Bali will allow you to get reimbursed if you cancel a hotel reservation at the last minute, lose your luggage, or need to quarantine. It’s always better to buy travel insurance for Bali and not need it than to go without it and up paying tons of fees.
Bali travel insurance requirements
Even though travel insurance for Bali is not an entry requirement, there are still several types of coverage that you should have if you do decide to purchase insurance. COVID-19 coverage is absolutely imperative, as is emergency medical expense coverage, particularly since medical care can be costly. Evacuation and repatriation coverage, which covers return travel to your home country for medical treatment or because of political events, is also crucial.
As such, you should, at a minimum, purchase travel health insurance for Bali. If you’d prefer to have travel-related coverage as well, look for travel insurance with trip cancellation and baggage coverage.
How much is travel insurance for Bali?
The price of travel insurance for Bali will depend on your age and nationality, as well as the length and cost of your trip. To help you get an idea of how much insurance for travel to Bali costs, I used the example of a 30-year-old American spending a week in Bali with a trip cost of $2,500 to generate quotes.
Price | $38.18 | $10.50 | $66.91 | $77 |
Deductible | $0 | $250 | $0 | $0 |
COVID-19 Coverage | Yes | Yes | Yes | Yes |
Medical Expenses Paid Upfront | Yes | No | No | No |
Emergency Medical Expenses | $250,000 | $250,000 | $100,000 | $150,000 |
Trip Cancellation | $3,500 | Not covered | $2,500 | 100% of $2,500* |
Evacuation & Repatriation | $500,000 | $100,000 | $300,000 | $500,000 |
Baggage Loss | $1,700 | $3,000 | $1,000 | $1,500 |
COMPARE BEST TRAVEL INSURANCE FOR BALI |
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*price used for example
Ultimately, all four of the Bali travel insurance plans I’ve compared have their merits. The best overall travel insurance for Bali, however, is Heymondo, especially since they pay travelers’ medical expenses directly and upfront. If you’d prefer to save money and just have medical-related coverage, SafetyWing is another excellent option, but bear in mind it has a deductible of $250 per claim.
1. Heymondo, the best travel insurance for Bali
If you want the best travel insurance for Bali, look no further than Heymondo. Not only does their Top plan offer a high amount of coverage in all categories, but it’s also the most affordable option with both travel- and medical-related coverage.
On top of that, Heymondo is the only Bali travel insurance company that pays for travelers’ medical expenses directly and upfront, saving you the hassle of filing a claim to get reimbursed. The convenience of this payment process as well as the company’s excellent customer service have enabled Heymondo to consistently rank as one of the best travel insurance companies.
Best of all, the Top plan includes a $0 deductible for medical expenses, so you won’t have to pay a single penny out of pocket for any medical fees.
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Heymondo has several amazing benefits and very few downsides, which is why we have annual multi-trip insurance with this company. Since we’ll be taking a number of trips over the next year, this policy saves us a lot of money. You can learn more in our Heymondo review and save 5% on your plan with the promo code below.
2. SafetyWing, a cheap travel insurance for Bali
Saving money on travel insurance doesn’t have to mean poor coverage. Purchasing travel health insurance will ensure you get the medical coverage you need without the higher cost of covering travel-related expenses.
SafetyWing is by far the best health insurance for Bali travel option. Their Nomad Insurance plan offers great worldwide coverage in all medical-related categories, plus it’s the most affordable Bali travel insurance of all the plans I compared. You can even choose to automatically extend your plan every month if you want to keep traveling, so it’s ideal for digital nomads looking for long-term travel insurance.
The Nomad Insurance plan does offer some limited travel-related coverage for baggage loss and trip interruption, but this coverage is not as comprehensive as that of other travel insurance plans. Moreover, the plan’s $250 deductible means you’ll have to pay $250 towards any medical bills before SafetyWing covers the remaining balance.
As such, if you’d prefer a $0 deductible or want better travel-related coverage, Heymondo is your best bet.
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3. World Nomads, the best holiday insurance for Bali for sporty travelers
If you’re planning a vacation full of adventurous activities, World Nomads is the perfect choice for holiday insurance for Bali. Their Standard plan covers tons of activities and sports, including surfing and snorkeling, two of the best things to do in Bali.
You’ll also enjoy good coverage in all travel- and medical-related categories, as well as a $0 deductible for medical expenses. In terms of cost, however, the Standard plan is a little on the pricey side. After all, you can get a higher amount of coverage in all categories for a much lower price with Heymondo.
While World Nomads is one of the best cheap travel insurance companies, it’s only worth it if you’ll be doing a lot of sporty activities.
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4. IMG, a reliable travel insurance for Bali, Indonesia
IMG is a well-respected travel insurance company that many travelers trust for their insurance needs. As such, it probably comes as no surprise that IMG’s iTravelInsured SE plan provides a solid amount of coverage in all categories, including trip cancellation insurance.
This travel insurance for Bali plan even includes Cancel for Work Reasons coverage and coverage for pre-existing conditions. There’s also a $0 deductible for medical expenses, so as long as your claim is approved, IMG will completely cover any medical bills incurred abroad.
One drawback, though, is that the iTravelInsured SE plan is the most expensive of all the plans I compared. As such, if you want similar or even better coverage for a lower price, go with Heymondo.
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What travel insurance do I need for Bali?
Ultimately, travel insurance for Bali is not mandatory, but it’s still smart to purchase some kind of coverage. Take it from me: when I was visiting the Monkey Forest in Ubud, a monkey bit me! I then rushed to the nearest hospital, where I was quickly treated.
What travel insurance do I need for Bali?
Fortunately, I had purchased Heymondo holiday insurance for Bali before my trip, so I knew my medical expenses would be covered. When I saw the bill, though, I was especially relieved I had travel insurance – that medical treatment was not cheap! Save yourself the stress of going through an experience like mine without travel insurance by purchasing coverage before you travel.
Any of the Bali travel insurance options above will provide great coverage, but the standout is Heymondo, which offers excellent travel- and medical-related coverage for an affordable price.
On the other hand, if you want to save money, SafetyWing’s travel health insurance for Bali is the most affordable option.
Either way, these essentials will help you plan your trip to Bali:
Essentials to save on your trip to Bali
Check the best no-foreign transaction fee credit cards.
Find the BEST DEALS for the top accommodation options in Bali.
Get a 5% discount on your travel insurance for Bali.
Check the best tours in Bali to make the most of your time HERE and HERE.
CHEAP FERRIES from Bali (hotel pick-up not included).
If you have any other questions about purchasing travel insurance for Bali or planning your trip, feel free to leave me a comment below!
Hello, am I able to get this cover while in Bali, i usually get travel insurance prior to leaving but apparently if i dont have return ticket (which I don’t as i have the 180 days option) they would offer the 90 days free (my bank) only found this out on the day I was leaving so wasn’t planned. Now in bali and just want to make sure my son and I can get some cover soonest. Thanks in advance, Bron
Hi Bron,
Some travel insurance companies let you buy a policy even if you’re already abroad. For example, Heymondo can get you covered for your Bali trip. Good luck!
Hello Ascen, a group of family are travelling to Bali next year, we have heard that there are some insurance companies that will not cover you if you ANY alcohol in your system. As there will drinking on our trip we are concerned. Would you know if this will apply to any of the above mentioned Insurance companies?
Warmest regards,
Zena
Hi Zena,
Most insurance companies won’t cover any injuries or incidents that result from having a blood alcohol level above the legal limit. If you’re socially drinking, you should be okay, and you can still purchase a travel insurance policy for Bali.
Hello .
Are there any insurance that cover for driving a scooter in Bali ? (- If not having a motorcycle licence- only a UK driving licence for a car and IDl for car) . ?
Would i be covered for medical cost s if I went as a passanger on the official Gojet? Taxi scooters? Thank you
Hi Eva,
Yes, but the extent of the coverage really does depend on which company and policy you go with. I would double-check before purchasing.