Bali is Australia's favourite short-haul escape, and it is also one of the destinations where travel insurance earns its keep most often. Indonesia has no reciprocal health care agreement with Australia, so every dollar of medical treatment is on you unless your policy responds. A serious accident that needs a medical evacuation home can cost more than most people spend on the entire holiday, many times over.
Why Bali trips need real cover
- Scooter and moped accidents are one of the most common serious claims. Many travel insurance policies quietly exclude them, especially if you are not correctly licensed. Travel Protect's Explorer plan offers an optional motorcycle and moped pack so riding is a choice you make with cover, not a gap you discover in hospital.
- Private hospitals expect payment up front. International-standard clinics in Denpasar and Kuta routinely ask for payment guarantees before treating foreigners. Our 24/7 emergency assistance team can deal with the hospital directly, day or night.
- Stomach bugs, dengue and infections are routine claims. The unlimited* overseas emergency medical benefit on both our plans covers emergency treatment for illness as well as injury.
- Volcanic ash and flight disruption are real risks. Bali's airport has closed before because of volcanic activity. The Explorer plan's optional cancellation and trip interruption cover of up to $40,000 can respond to eligible disruption costs.
What Travel Protect covers in Bali
- COVID Basic: unlimited* overseas emergency medical cover, plus up to $4,000 for cancellation and trip interruption events relating to COVID-19. No baggage benefit, which keeps the price down for travellers who just want the medical safety net.
- Explorer: unlimited* overseas emergency medical, your choice of cancellation and trip interruption cover up to $40,000 per traveller, your choice of luggage cover up to $10,000 for accidentally lost or stolen bags, rental vehicle insurance excess, and optional packs including the motorcycle and moped pack.
Both plans include 24/7 emergency assistance and cover travellers aged up to 99 (you must be 18 or above to purchase), an age limit well above the 60 to 75 cut-off common elsewhere in the market.
Riding a scooter in Bali? Read this first
To ride legally in Indonesia you generally need a motorcycle licence valid for the vehicle plus an International Driving Permit with a motorcycle endorsement. Riding unlicensed does not just risk a police stop; it is the classic reason insurers decline scooter injury claims. If you plan to ride, hold the right licence, always wear a helmet, and add the motorcycle and moped pack to an Explorer policy. Our full guide to scooter and motorcycle cover explains exactly how the pack works.
What does Bali travel insurance cost?
Indicative prices for a single traveller departing in about 30 days, generated on from live Travel Protect quotes. Your price depends on your exact trip details.
Bali travel insurance costs from $36.38 for a 7-day trip for a 25 year old traveller, rising to $140.09 for a 14-day trip for a traveller aged 75.
| Product | Traveller | 7 days | 14 days |
|---|---|---|---|
| Explorer Comprehensive cover: medical, cancellation, luggage and liability Comprehensive cover | Age 25 | $55.44 | $74.90 |
| Age 45 | $66.83 | $88.79 | |
| Age 75 | $111.99 | $140.09 | |
| COVID Basic Core Medical cover + Covid related benefits included | Age 25 | $36.38 | $44.38 |
| Age 45 | $48.18 | $58.90 | |
| Age 75 | $90.63 | $104.69 |
All prices in AUD, single traveller, no upgrades selected.
Get your exact price
Frequently asked questions
Yes, when you add the optional motorcycle and moped pack to an Explorer plan and meet the licensing and helmet conditions of the pack. Without the pack, injuries sustained while riding are excluded, which is standard across the Australian market.
Emergency medical treatment for sudden, unexpected illnesses, including severe gastro, can be covered under the unlimited* overseas emergency medical benefit on both plans. Check the PDS for terms, conditions, limits, sub-limits and exclusions.
The Explorer plan's optional cancellation and trip interruption cover can respond to eligible additional costs from unexpected disruption events. Cover for known events are not covered, and depends on when you bought your policy, so buy as soon as you book.
Yes. Travel Protect covers travellers up to age 99 on the same plans, with the same 24/7 emergency assistance.
Any advice on this page is general only and does not consider your objectives, financial situation or needs. Before deciding, read the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD), available on our Product Documents page. Terms, conditions, exclusions, limits and sub-limits apply. *Unlimited overseas emergency medical cover is subject to policy terms. Travel Protect is a business of Wise & Silent (AR 1301320), an authorised representative of battleface Insurance Services Pty Ltd (AFSL 536280); policies are underwritten by Pacific International Insurance Pty Ltd.