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 travel insurance will cover you for:
- Airline cancellation fees and lost deposits
- Damaged or lost baggage
- Personal items if they are stolen or damaged
- Unlimited medical and evacuation expenses, with no excess for medical claims
- Rental car excess if you have an accident
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 delay cover.
Once you’ve booked your flights or accommodation, buy travel insurance. It doesn’t cost you any extra to buy in advance of your travel date, but it does mean we can look after you for longer. For example, if an earthquake results in your travel being cancelled before you set off, we can reimburse you the difference between the amount you are able to claim from any other source (i.e. service provider) up to the total value of your unused, prepaid costs.
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. One of the most common questions we hear is whether your insurance covers motorcycle or car accidents in Bali.
Our TravelCare policy covers you for motorcycle or car accidents if:
- Your motorbike or scooter is 200cc or under
- You’re not under the influence of alcohol or drugs
- You obey local road rules
- You wear a helmet at all times
- You hold a licence that allows you to drive in Indonesia
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 altered or cancelled due to an unexpected natural disaster, you will be covered under your 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.
*Terms and conditions
The $41 price advertised is for TravelCare, Single Journey, 2 days individual cover for ages 0-54 travelling to Bali. The advertised price does not include any specified items or surcharges for pre-existing medical conditions.
Please read the Combined FSG and PDS including Policy Wording to make sure TravelCare is right for you and your next holiday overseas.