Like other international travel insurance, cover for travel to Bali is generally available in two main tiers:
Basic travel insurance. The basic tier is broadly focused on medical cover but includes insurance for unlimited overseas emergency medical expenses, luggage, personal liability and other essential benefits. It is usually the cheapest option available and is suitable for those travelling on a budget or for single trips.
Comprehensive travel insurance. This type of insurance typically includes higher amounts of cover for the essentials benefits such as medical expenses, luggage, personal liability, etc. In addition, it includes cover for travel delays, rental vehicle excess, loss of passports and credit cards, hijacking, disability, accidental death, and so on.
Some insurers offer variations of the comprehensive policy that are suitable for multiple trips to Bali within a 12-month period.
Optional add-on policies. International travel insurance policies generally don’t provide automatic coverage for things like motorcycle driving or several sports and leisure activities. Hence, most insurers have come up with add-on policies specifically tailored for the variety of adventure sports and transport options available in Bali.
For example, travellers can add a motorcycle option to their policy for an additional premium, which will provide cover in case they are injured while riding a scooter, moped or motorcycle—a not uncommon event among tourists in Bali.
Similarly, most comprehensive policies will cover popular sporting and leisure activities such as hiking, surfing, kayaking, jet-skiing, and so on. However, more extreme activities such as skydiving, scuba diving below 30 metres, outdoor rock climbing or horse riding will require an additional adventure sports cover at extra cost.
“Costs for Bali travel insurance can vary greatly depending on various factors including but not limited to, trip duration, departure date, age, number of travellers, what activities you’ll be doing and policy excess amount,” says Morison.
“The easiest way to find out the cost is to use an online quote.”
Related: How Much Does Travel Insurance Cost?