With sun, surf and incredible scenery, it’s no surprise that Bali is one of the most popular holiday destinations for Australian travellers. Whether you’re looking to explore captivating temples, enjoy the bustling Kuta Beach, or simply unwind on the tropical shores, the Indonesian island caters to all kinds of travellers.
However, Australians should remember that travelling to Bali presents a number of dangers, from food poisoning and road accidents to pickpocketing and volcanic ash clouds.
Proper insurance is essential to protect yourself on holiday, and understanding what your policy covers is the best way to avoid unexpected costs.
What will my insurance policy cover in Bali?
Our TravelCare policy provides excellent, affordable travel insurance for your holiday in Bali. Our comprehensive protection includes all-hours access to our worldwide emergency assistance team, who are ready to assist you 24 hours a day, 7 days a week.
Our TravelCare insurance offers cover for:
- Unlimited medical and evacuation expenses that arise due to unexpected events while on your journey
- Cancellation fees and lost deposits – increase your cover depending on the cost of your journey
- Damaged or lost baggage
- Personal items if they are stolen or damaged
- Rental car excess should you have an accident
- Emergency dental treatment
Does my policy cover volcanic ash clouds?
Volcanic eruptions have stranded countless travellers in Bali due to flight cancellations. We understand how disruptive a volcanic ash cloud event can be on your travel plans, which is why our TravelCare policy includes comprehensive travel interruption cover.
So that you’re covered for unexpected cancellations, you should also start your insurance as soon as you book your flights and accommodation.
It’s important that you plan your holiday carefully after a volcanic ash cloud event has occurred, because you may not be covered if it flares up again. For example, if there’s a volcanic eruption in Indonesia that causes travellers to be stuck in Bali, we wouldn’t advise you to start planning your holiday to the area immediately following the event. For travel insurance purposes, another eruption won’t be regarded as an “unexpected event”, so you may not be covered.
Does my policy cover motorcycle or car accidents?
Bali’s roads are notoriously dangerous. Each year, hundreds are killed in road accidents on the island and hundreds more suffer serious injuries. Motorbikes may be a popular way to travel the island but they pose considerable danger to tourists.
That’s why with our insurance you have the option to add on Mopeds and motorbikes cover to your policy.
Even if you’ve added moped and motorbike cover there is no cover if you’re riding a moped or motorbike (whether as the driver or passenger):
- where the engine is more than 200cc;
- where you are not wearing a helmet on your head;
- where the driver does not have a valid driver's licence as required from the country of permanent residence;
- where the driver does not have a driver's license as required in the country you are in, for the same class of moped or motorbike being ridden;
- in a professional capacity;
- where you are racing, including against time and/or in timed events, of any sort;
- where you are participating in a competition which involves monetary prizes; or
- if you or the driver were breaking any law including driving laws or highway rules. For example: speed limits and blood alcohol limits.
Will my insurance cover natural disasters?
Bali may be beautiful, but it’s also prone to natural disasters like flooding, tsunamis and cyclones. The island is situated on the ‘Pacific Ring of Fire’, which also makes it particularly vulnerable to earthquakes and volcanic eruptions.
So will your travel insurance policy cover you for a natural disaster event in Bali? If your travel plans need to be cancelled or changed due to an unexpected natural disaster, there is cover under the TravelCare policy.
Travellers should remember that they may not be covered for changes to their travel plans if they booked their journey after a natural disaster event has occurred.
Am I covered for stolen or damaged valuables, like my phone, camera and laptop?
Whether it be theft, mistake or plain bad luck, there are countless ways to lose your luggage overseas. We understand how frustrating and costly this can be while travelling, which is why our TravelCare policy covers you for lost, stolen or damaged personal items that results from an unexpected event.
What are some common ways to lose your valuables in Bali? Petty theft happens frequently on the island, with thieves targeting unwary tourists in crowded areas like markets and bus shelters. Travellers who carry expensive items and flaunt them in the open make themselves vulnerable to theft. Believe it or not, monkeys are another culprit of theft. Always stay vigilant of your valuable items, never leave them unattended, and if there’s a safe at your accommodation, be sure to use it.
How to avoid getting sick in Bali
Nothing can stop your tropical getaway in its tracks like the dreaded ‘Bali belly’. Symptoms of the illness include diarrhoea, vomiting, cramps and weakness - not exactly the island escape you had in mind.
The best way to avoid Bali belly is to be selective with what you eat. The illness can be caused by bacteria in food and water, a radical change in diet, overeating and even travel stress. For this reason, it’s important that you be particularly conservative with your food choices in the first few days of travelling.
To avoid sickness in Bali, remember to:
- Stick to bottled water (including when brushing your teeth)
- Avoid ice cubes and iced drinks
- Wash your hands before eating
- Check all meat has been cooked well (especially chicken)
- Don’t buy fruit from markets that has already been peeled or cut
- If you have hygiene concerns, steer clear of eating street food
Unfortunately, Bali belly isn’t the only illness that travellers have to watch out for. The Smartraveller website recommends that travellers vaccinate themselves for Tetanus, Hepatitis A and B, Typhoid and Rabies before visiting Bali, although these vaccinations aren’t mandatory. There is also the risk of serious illness and even death from alcoholic drinks containing methanol. Avoid local spirits like Arak, and stick to bottled drinks if you are drinking alcohol.
What you need to know
This page provides a summary of the key terms only. As with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the Combined FSG and PDS.