- Good medical care can be expensive and hard to find in Indonesia. On top of this, US health insurance is not accepted in Indonesia.
- A travel medical insurance plan can get you quality medical care while in Indonesia and also reimburse you if you need to cancel or interrupt your trip for medical reasons.
- Based on our analysis, the best travel insurance for Bali is offered by Tin Leg, Seven Corners, and Faye. (skip ahead to view these plans).
- Compare plans online to view price quotes from multiple insurance companies at once.
When you buy something using links found on our site, we may earn a small affiliate commission. This content is reviewed & supervised by The Los Angeles Times Commerce Team.
On This Page
- KEY TAKEAWAYS
- Do I need travel insurance to visit Bali?
- More details on our top Indonesia travel insurance plans
- What does travel insurance for Bali cover?
- What isn’t covered by travel insurance for Bali?
- Common scenarios in Indonesia that require travel insurance
- How much does travel insurance for Bali cost?
- Tips for getting the best Bali travel insurance
- Bali travel information & requirements
- FAQ: Bali travel insurance
- Related topics
On This Page
- KEY TAKEAWAYS
- Do I need travel insurance to visit Bali?
- More details on our top Indonesia travel insurance plans
- What does travel insurance for Bali cover?
- What isn’t covered by travel insurance for Bali?
- Common scenarios in Indonesia that require travel insurance
- How much does travel insurance for Bali cost?
- Tips for getting the best Bali travel insurance
- Bali travel information & requirements
- FAQ: Bali travel insurance
- Related topics
Best Travel Insurance for Bali, Indonesia (2024)
Leigh Morgan - Personal Finance
+ 1 other
Reviewed By
Blake Esken - Los Angeles Times
Our top picks for the best travel insurance bali
Our top picks for the best travel insurance for Bali
Best Plan Overall
Tin Leg
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
Gold
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000
/
$500,000
Comprehensive with High Medical Limits
Seven Corners
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
Trip Protection Choice
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000
/
$1,000,000
Customizable & Easy to Use
Faye Travel Insurance
Check Pricing
via the Faye website
Preferred Plan
Faye Travel Protection Plan
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$100,000
/
$500,000
Do I need travel insurance to visit Bali?
Indonesia doesn’t legally require visitors to have travel insurance, but most experts, including the US Government, highly recommend you buy a policy when visiting the country.
As a reminder, US health insurance doesn’t usually work outside of the US. Therefore, most travelers opt for medical travel insurance at a minimum.
More details on our top Indonesia travel insurance plans
Advertiser Disclosure
Tin Leg
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
Gold
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000
/
$500,000
Why We Like It
PROS
- Excellent primary coverage for medical expenses
- High limit for emergency evacuation coverage
- Optional cancel for any reason (CFAR) coverage available
- Comes with coverage for hurricanes and inclement weather
- Coverage for pre-existing conditions is available if purchased within 14 days of the trip deposit
CONS
- Baggage delay coverage requires a 24-hour waiting period
- Low coverage limits for baggage and personal effects
Full Policy Details
Seven Corners
GET A QUOTE
via Squaremouth’s secure website
Preferred Plan
Trip Protection Choice
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000
/
$1,000,000
Why We Like It
PROS
- Offers coverage for pre-existing conditions
- Money-back guarantee
- Cancellation & Interruption coverage standard
- Covers action sports & equipment
CONS
- Cancel for any reason not included standard
- Must meet waiver for pre-existing conditions to be covered
Full Policy Details
Faye Travel Insurance
Check Pricing
via the Faye website
Preferred Plan
Faye Travel Protection Plan
Covers COVID
Yes
Medical & Evacuation Limits Per Person
$100,000
/
$500,000
Why We Like It
PROS
- Friendly agents
- Easy-to-use mobile app
- Fast reimbursements for eligible claims
- Prompt replies to questions
CONS
- Long wait times for reimbursement
- Difficulty reaching Faye outside of email & virtual chat
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What does travel insurance for Bali cover?
Depending on what type of travel insurance policy you buy, your plan may cover the following situations.
Trip cancellation insurance
Trip cancellation coverage reimburses your prepaid, nonrefundable expenses in the event you have to cancel your trip for a covered reason. For example, if you come down with a serious illness before your departure date, you may qualify for reimbursement of up to 100% of your prepaid costs.
This type of insurance only covers unforeseen events, which are things that happen suddenly and unexpectedly. For example, if you book your trip after a named storm has already developed near Bali, you won’t be able to get your money back if the storm forces you to cancel your trip. Severe illness, job loss and the death of an immediate family member are all examples of unforeseen events covered by trip cancellation policies.
Some companies also offer cancel-for-any-reason insurance, commonly abbreviated CFAR. This type of insurance allows you to get your money back if you have to cancel for a reason that isn’t covered by your standard travel insurance plan.
Assume your travel companion decides they want to go to Bora Bora instead of Bali. That’s not a good enough reason to cancel under a standard plan, but you can get your prepaid, nonrefundable expenses back if you paid for CFAR coverage.
Trip delay insurance
During your trip, you’ll probably use at least one common carrier, which is a company that provides transportation services to the public. This includes commercial airlines, railroads, cruise lines and bus companies.
If you’re delayed due to a problem with one of these carriers, your travel insurance will reimburse you for any expenses arising from the delay. For example, if an airline cancels your flight, causing you to arrive in Indonesia a day later than planned, your insurance company may reimburse you for the money you spent on meals and toiletries related to the delay.
Trip interruption insurance
Sometimes you depart on time and have to end your trip early due to unforeseen circumstances. This is why you need trip interruption insurance. This type of coverage reimburses you for expenses associated with a covered event. Imagine that you’re hiking through the Indonesian wilderness. Suddenly, you fall from a great height, breaking both legs. You won’t be able to continue your trip as planned, the perfect time to use your trip interruption benefits.
Your insurance company may also cover your repatriation costs, which are the costs associated with returning to your home country. For example, if you have to change your flight, a last-minute ticket may cost $500 or $1,000 more than you already spent. Trip interruption insurance covers these expenses.
Travel medical insurance
U.S. health insurance generally doesn’t cover medical emergencies that occur overseas. Travel medical insurance covers expenses arising from unexpected illness and injuries, ensuring that you don’t leave Bali with a huge hospital bill. For example, if you get into a motorbike accident, you may have to spend several days in a medical facility. Travel insurance will cover your room and board, nursing care, lab tests, X-rays and other healthcare services.
Medical evacuation insurance
Some areas of Indonesia are rather remote. If you’re exploring some of Bali’s hidden caves, for example, there’s a chance you’ll fall and injure yourself. Unfortunately, the closest hospital may be 50 miles away. Medical evacuation insurance covers the cost of transporting you to the nearest medical facility equipped to treat you.
Insurance for personal items
Personal item coverage, also known as baggage and personal effects insurance, protects you in the event your personal items are stolen or damaged while you’re traveling. For example, if an airline employee damages your camera, you may be able to get reimbursed by your insurance provider.
Rental car coverage
Rental car coverage protects you any time you’re using a covered vehicle. Due to poor lighting, Bali’s streets are rather difficult to navigate at night. You may also encounter drivers who refuse to follow local traffic laws.
If you’re in an accident, or if someone vandalizes or steals your rental vehicle, your insurance company will reimburse the rental car agency. The reimbursement is usually limited to the cost of repairs or the value of the vehicle. Note that your travel insurance policy may exclude some vehicle makes and models.
What isn’t covered by travel insurance for Bali?
Standard travel insurance doesn’t cover the following:
- Pre-existing medical conditions: Most travel insurance policies won’t cover any expenses arising from pre-existing medical conditions. However, there are a few providers with travel policies that cover pre-existing conditions.
- Foreseeable events: Travel insurance doesn’t cover events that a reasonable person could have predicted. This often relates to purchasing a travel insurance policy after news has already spread about a given conflict – such as war or imminent natural disasters.
- Bad weather: Normal inclement weather is not covered by travel insurance, but you can get coverage in case a hurricane or tropical storm ruins your trip.
- Pregnancy: If you get pregnant after you purchase your travel insurance policy, your travel insurance won’t cover routine pregnancy expenses like birth or labor. However, pregnancy travel insurance coverage may cover expenses related to unexpected medical complications due to pregnancy.
- Illegal activities: Travel insurance doesn’t cover expenses arising from illegal drug use or other criminal activities.
Common scenarios in Indonesia that require travel insurance
Sub-standard medical facilities
According to the US Government, Indonesia is known for having sub-standard medical facilities and medical evacuations to a quality medical facility can cost over $100,000 per person. Emergency travel medical insurance can easily cover all of these costs and get you to a quality medical facility if needed.
Earthquakes, tsunamis, & volcanic activity
While it may seem improbable, travel.state.gov highlights the risk of earthquakes, tsunamis, and volcanic activity in Indonesia as one of the most important risks to travelers visiting the country. Indonesia is located in the Ring of Fire and has 127 active volcanoes and experiences 4,000 earthquakes per year. Therefore, it’s important to find a travel insurance policy that can cover evacuations and trip interruptions due to these potential natural disasters.
Risk from sporting activities
Bali is home to Mount Batur, West Bali National Park and other points of interest. If you decide to go hiking, try SCUBA diving or participate in other adventure activities, you’ll need a comprehensive travel insurance policy that can cover these sports. Some travel insurance providers don’t include this type of coverage. If you want coverage for risky activities, you’ll need to add it to your Bali travel insurance policy.
Risk of driving accidents
Indonesia doesn’t have a strong public transportation system, so many people use motorbikes and mopeds to get around. The risk of accidents and serious injury is higher for motorcycles and mopeds than it is for standard cars and trucks, especially if you ride with locals who dart around traffic or drive at high speeds. Comprehensive travel insurance plans often cover medical expenses and other costs arising from this type of accident.
How much does travel insurance for Bali cost?
On average, travel insurance for Indonesia costs roughly $4/day based on internal sales figures from LA Times visitors over the past year. LA Times customers spend an average of 27 days in Indonesia for a total average cost of $117.47 for travel insurance.
That said, the cheapest travel insurance plans for Bali offering basic medical travel coverage cost just under $1/day.
To help give you a better idea of how much travel insurance costs for Bali, we got sample quotes for a $2,000 trip for a 35-years-old traveler spending 7 days in Indonesia.
Cost Example for Medical-only Travel Insurance Plans
| Provider | Plan Name | Plan Cost | Cancellation / Interruption Limits | Medical / Medevac Limits |
|---|---|---|---|---|
| Tin Leg | Standard | $5 | $0 / $0 | $30k / $200k |
| Trawick International | Safe Travels Explorer | $26 | $0 / $0 | $50k / $200k |
| Seven Corners | Trip Protection Basic | $25 | $0 / $1k | $100k / $250k |
| AXA Assistance USA | Silver | $42 | $0 / $500 | $25k / $100k |
The table below shows quotes for basic travel insurance from four different providers. These plans range from less than $1 per day to $6 per day.
For a few extra dollars per day, it is well worth the cost to opt for a comprehensive plan which can reimburse you via trip cancellation and interruption coverage, missed connections and delay coverage, and much more.
Cost Example of Comprehensive Travel Insurance Plans
| Provider | Plan Name | Plan Cost | Cancellation / Interruption Limits | Medical / Medevac Limits |
|---|---|---|---|---|
| Tin Leg | Standard | $49 | $2k / $3k | $30k / $200k |
| Trawick International | Safe Travels Explorer | $61 | $2k / $2k | $50k / $200k |
| Seven Corners | Trip Protection Basic | $75 | $2k / $2k | $100k / $250k |
| AXA Assistance USA | Silver | $69 | $2k / $2k | $25k / $100k |
By upping coverage limits to include full trip reimbursement coverage, we found plans cost between $7 and $11 per day which is still very affordable.
Keep in mind that these plans are for example purposes only and several factors affect the cost you will pay for Bali travel insurance, including:
- Your age
- The number of travelers
- The total cost of your trip
- The duration of your trip
- What type of coverage you buy
A good rule of thumb is to aim to spend between 5% and 6% of what your trip cost you on a travel insurance plan.
Advertiser Disclosure
Tips for getting the best Bali travel insurance
To get the best travel insurance for your needs, consider the following factors:
1
Use a Comparison tool
Online comparison tools allow you to get travel insurance quotes from many providers at once. This lets you compare coverage and prices all in one place and can help you save time and money when buying a policy.
2
Read the fine print and policy exclusions
Every travel insurance policy is different and what is covered under one policy may not be covered under another. It’s important to have a look over the exclusions of the policy to understand what is not covered.
3
Consider your specific risks when buying coverage
If you plan to take part in action or adventure sports like snorkeling, diving, hiking, climbing, and more, you’ll need to check if these are covered under each policy. The same is true for pre-existing medical conditions
4
Understand how high the limits should be
As a general rule of thumb, the farther from the US you travel, the higher your limits should be. This is especially true for emergency medevac limits which can be hundreds of thousands of dollars. $250k in medical expenses coverage is usually enough for most travelers.
Advertiser Disclosure
Bali travel information & requirements
| Query | Detail |
|---|---|
| Tourist visa required? | Yes |
| Passport requirements |
U.S. passport must be valid for 6 months beyond your arrival date U.S. emergency passport not accepted |
| Local currency | Indonesian rupiah (IDR) |
| Language | Bahasa Indonesian and Balinese |
| Average 5-year exchange rate | 1 USD = 15,047.85 IDR |
| Vaccine requirements | None |
| COVID test required? | No |
| Travel advisory level | Level 2 – Exercise Increased Caution |
| Emergency services phone number | 112 |
| Accepts U.S. health insurance? | No |
| Travel insurance required? | No |
Are there COVID-19 restrictions for U.S. tourists?
Although the U.S. State Department encourages American travelers to get the COVID-19 vaccine, Bali’s government has no COVID-related restrictions for U.S. tourists. Indonesia stopped requiring proof of vaccination on June 9, 2023.
Do I need a visa or passport to travel to Bali?
Yes. You need a valid U.S. passport with at least two blank pages for your entry stamp. Your passport must be valid for at least six months following your scheduled arrival date.
You also need to obtain a visa from Indonesia’s e-Visa system before your trip. Indonesia offers single-entry visas as well as multi-trip visas. The cost of a visa depends on the length of your stay and the reason you plan to visit Bali. For example, it costs IDR 1,500,000 (around $96) to purchase a single-entry tourist visa for stays lasting no more than 60 days.
Is it safe to visit Bali?
Bali is relatively safe, but it does have an increased risk of natural disasters due to its location in the Lesser Sunda Islands. There’s also some risk of terrorist activity in Bali and other parts of Indonesia. Protect yourself by taking common-sense precautions during your trip.
FAQ: Bali travel insurance
Is travel insurance mandatory for Indonesia in 2024?
No. You’re not required to purchase travel insurance before you travel to Indonesia.
What documents are required for Bali travel?
To travel to Bali and other parts of Indonesia, you must have a valid U.S. passport and a visa.
Does Bali require COVID insurance?
No. Bali ended the last of its COVID-related restrictions in mid-2023. However, it is still a good idea to make sure you purchase travel insurance with covid coverage.
About the Author
Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.
In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.
In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.
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