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Bali & Indonesia

Travel Insurance for
Bali & Indonesia

See your real financial exposure in seconds. Bali private hospital ICU costs ~$1,800 AUD/day — make sure you're covered before you fly.

Find your cover
Find your right level of cover
5 quick questions — we'll match you to Bare, Silver or Gold based on your Bali trip details, activities and travel companions.
General information only — not personal financial advice
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Bali hospital & medical cover Motorbike & scooter incidents covered Volcanic eruption & natural disaster 24/7 emergency assistance in Indonesia
Choose your level of cover

Three plans for every Bali traveller

All plans consider pre-existing conditions · 24/7 global emergency assistance · Read the PDS§

Bare Essentials
Bare Essentials
  • Unlimited overseas medical expenses
  • Emergency expenses & evacuation
  • Personal liability cover
  • Baggage & travel documents
  • Cover up to 79 years of age
Gold
Gold
  • Everything in Silver
  • Unlimited cancellation cover
  • Special events cover
  • Rental vehicle excess
  • Cover up to 100 years of age
  • Higher baggage limits
Popular Bali destinations

Cover for every Bali adventure

Whether you're surfing in Kuta, exploring temples in Ubud, or diving in Nusa Penida — we've got you covered.

🌊
Kuta & Seminyak
Surf, beach clubs & nightlife. Covers scooter incidents, accidental injury and personal liability.
🌳
Ubud & Tegallalang
Temples, rice terraces & yoga retreats. Medical cover for hiking, cycling & adventure activities.
🌊
Nusa Penida & Gili
Diving, snorkelling & island hopping. Covers water sports, boat transfers & evacuation.
🌋
Mt Agung & North Bali
Volcano treks & waterfalls. Covers natural disaster, volcanic eruption disruption & evacuation.
Why InsureandGo

Built for Australians travelling to Bali

All pre-existing conditions considered
No upfront medical certificates. Complete a short online or phone assessment during the quote. Some conditions covered at no extra surcharge.
24/7 global emergency assistance
Backed by Europ Assistance — 750,000+ providers across 200+ countries. Hospital coordination and evacuation covered around the clock.
Family-friendly cover
Travelling with kids? Children under 18 are covered at no additional cost on eligible policies when listed on the policy schedule. Perfect for family Bali holidays.
Canstar Outstanding Value — Award-winning cover
Recognised by Canstar for Outstanding Value Travel Insurance. Also awarded by WeMoney, Finder and Mozo in 2025 — trusted by over 2 million Australians.
21-day cooling-off period
Changed your mind? Cancel within 21 days of purchase for a full refund, provided you haven't claimed and your departure hasn't passed.
Quotes valid for 30 days
Save your quote and come back when you're ready. All quotes remain valid for 30 days so you can take time to compare and decide.
Key policy benefits

What your Bali policy covers

Unlimited overseas medical expenses
Medicare stops at the border. InsureandGo covers hospital, surgery and doctor costs with no cap on all plan levels, including medical evacuation back to Australia.
Trip cancellation & disruption
From $10,000 (Bare) to unlimited (Gold). Covers illness, injury, death of a relative, natural disaster and more. Resumption of journey on Silver & Gold.
Cruise-specific cover
Cabin confinement, missed port departure, shore excursion cancellation and ship-to-shore medical evacuation. Select Cruise cover at the quote stage.
Baggage & personal effects
Covers lost, stolen or damaged luggage including mobility aids and hearing devices. Declare high-value items for optimal cover.
Pre-existing medical conditions
Complete the medical assessment at step 4 of the online quote, or call 1300 401 177. If a condition can't be covered, all other conditions remain covered.
Personal liability
Cover if you're held legally liable for accidental injury to a third party or property damage while travelling. Limits vary by plan level — see PDS.
Common questions

Bali travel insurance — answered

Am I covered for scooter or motorbike accidents in Bali?
Yes, provided you hold a valid licence (Australian licence or International Driving Permit) and wear a helmet. Scooter and motorbike incidents are one of the most common claims from Bali. Always check the PDS for full details.
Does my policy cover volcanic eruption or natural disasters in Bali?
Yes. InsureandGo covers trip cancellation and disruption due to natural disasters including volcanic eruption, provided the event occurs after you purchased the policy and was not already a known event. Evacuation costs are also covered.
How do pre-existing medical conditions work?
InsureandGo considers all pre-existing medical conditions — no upfront medical certificates. Complete the online assessment at step 4, or call us. A pre-existing condition is any diagnosed condition for which you've received advice, treatment or medication in the last 5 years. If a condition can't be covered, your policy still applies for all other conditions.
What medical facilities are available in Bali?
Bali has international-standard hospitals like BIMC Hospital in Kuta and Nusa Dua. However, serious cases often require medical evacuation to Singapore or Australia. InsureandGo covers unlimited overseas medical and emergency evacuation.
What happens if my pre-existing condition can't be covered?
That specific condition is excluded. All other benefits — medical for new conditions, accidental injury, cancellation, baggage — remain fully in place.
Are water sports and adventure activities covered in Bali?
Standard leisure activities like snorkelling, surfing and white-water rafting are generally covered. For activities like scuba diving below 30m, bungee jumping or parasailing, check the PDS or call us on 1300 401 177 to confirm cover.
Can I cancel if I change my mind after purchasing?
Yes. InsureandGo offers a 21-day cooling-off period. Cancel within 21 days of purchase for a full refund, provided you haven't claimed and your departure hasn't passed.
Award-winning travel insurance

We're Australia's Travel Insurance Specialists

Since 2012, InsureandGo has covered more than 2 million Australians with competitive, easy-to-buy and comprehensive travel insurance. When packing for your trip, don't forget our award-winning cover — choose from a range of options that tailor your policy to your needs, with an online claims portal and a 24-hour global emergency assistance network.

We always use InsureandGo for overseas trips. Signing up is quick and easy. I have a health condition, and the questions were simple to answer. We've never had to claim, but it's great knowing travel insurance could help if something goes wrong. Robbert V, InsureandGo Customer — Trustpilot
4.7 on Trustpilot
4.3 on Google
20+ Industry Awards
In 2025, we were awarded Best for Seniors by WeMoney, Outstanding Value for International and Seniors cover by Canstar, and Trusted Brand by Finder. In 2026, we received the ProductReview.com.au Travel Insurance Award for the second consecutive year, based on verified customer reviews.
Multiple Cover Options
Choose from three plan levels — Bare Essentials, Silver and Gold — for domestic and international trips, with single and annual multi-trip options. Not all levels may be available online for every trip type, but you can purchase by calling 1300 401 177.
Online Claims Portal
Submit your claim online and get support when things don't go to plan. Prefer to talk it through? Email claims@insureandgo.com.au or call +61 2 7201 9532.
200+
Countries covered
750,000+
Assistance providers
1.2M
Travellers helped worldwide

Ready to travel with confidence?

Get your Bali travel insurance quote in under 3 minutes. Cover for scooter accidents, volcanic eruptions, medical emergencies and more.

Travel details2 mins
Quote2 mins
Personal info2 mins
Pay & confirm2 mins
Quotation Proposals
Recommended Protection
DestinationBali, Indonesia
Traveller Ages65
Travel dates04/03/2026 - 11/03/2026
Bali Travel Insurance
Silver
Holiday13 applied!
$64.70$71.89
Select Policy
Inclusions 24 covered 4 not covered
Medical screening Included
Baggage $7,500
Cancellation $15,000
Emergency expenses $15,000
Product Disclosure Statement
Secondary recommendation
DestinationBali, Indonesia
Traveller Ages65
Travel dates04/03/2026 - 11/03/2026
Bali Travel Insurance
Bare Essentials
Holiday13 applied!
$43.06$47.84
Select Policy
Inclusions 9 covered 19 not covered
Medical screening Included
Baggage $5,000
Cancellation $10,000
Emergency expenses $5,000
Product Disclosure Statement
Secondary recommendation
DestinationBali, Indonesia
Traveller Ages65
Travel dates04/03/2026 - 11/03/2026
Bali Travel Insurance
Gold
Holiday13 applied!
$75.62$84.02
Select Policy
Inclusions 27 covered 1 not covered
Medical screening Included
Baggage $15,000
Cancellation Unlimited
Emergency expenses Unlimited
Product Disclosure Statement
Multi-Award Winning
Travel Insurer
+2 Million Aussie Travellers
covered so far
24-hour Global Emergency
Assistance Network

* Indicative pricing for a single trip, single traveller. Actual premium depends on age, destination, trip length and medical history. This insurance is underwritten by Mitsui Sumitomo Insurance Company Limited (MSI), ABN 49 000 525 637, AFSL 240816. Read the PDS before purchasing. ^ Grandchildren under 18 on Policy Schedule with grandparent.

Bare
$89
$77
Silver
$149
$130
Gold
$219
$190
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