Our Guide To Travel Insurance For Bali (+ Best Policies)

The Basics: They cover unlimited medical expenses with an affordable excess, plus emergency medical, personal liability, trip cancellation, and lost/stolen items.

Upfront Medical Payments: Large hospital bills can be paid directly, so you're not left out of pocket. Their 24/7 hotline can help you find medical attention and make emergency medical payments to avoid any delays in getting treatment.

Adventure Sports: As standard, you're covered for most common activities in Bali, including surfing, ATVs, jet skis, rafting, canyoning, and diving to 30m. Add the Adventure Pack for riskier activities like skydiving and deeper dives.

Alcohol Consumption: You're only excluded if heavily intoxicated or clearly impaired. You won't lose out for having a casual drink (provided it didn't cause of your accident).

Riding a Scooter: Slight variation between the AU and NZ versions:
NZ policy: You are automatically covered up to 250cc - more than enough for Bali.
AU policy: You must add the Motorcycle/Moped option for any coverage.

Theft: Very generous lost/stolen items policy of $15,000 AUD total (up to $1,500 AUD per phone). Laptops, drones, and cameras are covered too.

Travel Disruptions: Covers flight/boat delays from illness, strikes, weather, missed connections, or natural disasters, including extra accommodation or rebooking costs.

Natural Events: Covered for issues like volcanic ash, earthquakes, or floods.

The Basics: Includes high emergency medical expenses up to £15million, plus personal liability, trip cancellation, and £1,000 for lost or stolen luggage (though single-item limits are low at £150). Underwritten by AXA, with an above-average payout rate of 85-90% on claims.

Bonus: All policies come with free access to a virtual doctor via the Doctor Please app. They can send prescriptions to a local pharmacy in Bali or refer you to a hospital if needed.

Upfront Medical Payments: Somewhat - direct payments will be covered for serious medical emergencies, but for smaller treatments, you may have to pay upfront and claim the cost back later.

Adventure Sports: Covers you for most activities in Bali, including surfing, scuba diving, kayaking, paddleboarding, etc. For white water rafting, you'll need to upgrade to level 3 activities cover. Unfortunately, there is no ATV coverage, even with an add-on - contact them to add this.

Alcohol Consumption: Alcohol consumption isn't an issue, unless being drunk directly or indirectly caused the claim.

Riding a Scooter: Covers you for riding scooters/motorcycles in Bali, provided you have a valid license to ride such vehicles back in the UK and are following the rules. Also covers 'travelling in a motorised vehicle', which suggests riding pillion is fine.

Theft: Theft of belongings is covered up to £1,000 total, but individual items are only insured up to £150. We recommend adding gadget cover, which insures phones, laptops, etc, up to £3,000, depending on which level of cover you choose.

Travel Disruptions/Natural Events: Travel disruptions, including flight delays, boat cancellations, and issues caused by volcanic ash or weather, are only covered if you purchase the Travel Disruption add-on.

The Basics: The policy covers you up to $150,000 in emergency medical fees, extensive cancellation/interruption fees up to 150% of the trip cost, and lost/stolen bag coverage. 24/7 assistance via a toll-free number. No personal liability cover (when you damage something/someone), but this is very typical with US policies.

Upfront Medical Payments: They will pay upfront emergency medical payments and even when you just need to see a doctor for an acute illness. This is helpful if you get mild Bali belly.

Adventure Sports: Most common sports and activities in Bali (surfing, rafting, ATVs, etc) are covered. The main exceptions are parasailing and scuba diving below 40m.

Alcohol Consumption: Claims can be denied if you’re “under the influence” of alcohol or drugs when the accident happens.

Riding a Scooter: Your medical bills from road accidents are covered, whether you're driving or not. If you plan on renting, don't bother with the rental-vehicle damage benefit as it excludes motorbikes and scooters.

Theft: While you are covered up to $1,500 per person for theft of your luggage or passports, this does not cover electronics such as phones and laptops. This is common with US policies, as many assume that electronics are covered by home or gadget insurance.

Travel Disruptions/Natural Events: The insurer will pay for meals/hotels if delayed for 8 hours or more. Covers for most disruptions, including airline strikes, bad weather, volcanic ash, hijacking, lost passports, sickness etc. There is slightly less coverage for missed connections and cancellations, although you'll still get something.

Other Benefits We Like: All Generali Global Assistance customers can use their telemedicine service to speak with a doctor back in the US. Ideal for non-emergency medical advice and prescriptions can be collected in Bali.

The policy also includes unique benefits that aren't typically provided, such as emergency cash transfers if your money is stolen and identity theft protection. Contact them before your trip for tips on visas, etc, and their concierge service will help you book accommodation and activities.

The Basics: Medical bills up to USD $250,000 per trip - while less than other insurers, it's still plenty for an affordable destination like Bali. Medical evacuation, personal liability, and trip cancellation are included too.

Upfront Medical Payments: It depends - Safety Wing have a 24-hour call line to help you in an emergency - some doctors and hospitals may agree to credit the bill to Safety Wing, others may not. With this policy, it's best to expect paying upfront, and anything different is a bonus.

Adventure Sports: Covers a lot of activities in Bali, including surfing, snorkelling, and kayaking as standard. Riskier stuff like ATVs and diving aren't covered, so you'll need the adventure sports add-on.

Alcohol Consumption: They won't pay out for injuries sustained while “drunk”, though they don't set a specific limit for what that means. When driving, you must be under 0.8 g/L or the local legal limit (whichever is lower) for a valid claim.

Riding a Scooter: Whether driving yourself or riding as a passenger, you're only covered for medical expenses if it's a 125cc scooter or below. This covers most basic scooters in Bali, like a scoopy, but not larger scooters or motorbikes.

Theft: Lost/stolen baggage cover is included up to USD $3,000, with a maximum claim of $500 per item. If you travel with lots of tech, their extra gadget cover is affordable and worthwhile.

Travel Disruptions/Natural Events: If you face disruptions, Safety Wing pay a fixed fee of $100 for each unexpected overnight stay (max. 2 nights). In the case of natural disasters disrupting your plans, they'll cover up to 5 nights' accommodation elsewhere.