Travel Insurance for Bali

Worldcare Australia - bali-beaches

Bali is one of the most popular overseas destinations for Australians – it’s beautiful, close to home, and it costs very little to stay, even in five-star resorts.

It’s an island paradise with breathtaking scenery, colourful markets and wonderful beaches.

Bali is an incredible place for relaxation, with beautiful

five-star resorts featuring unique Asian-style architecture, endless pools, flowering frangipani trees and relaxing massage and day spa packages. It’s also a popular destination for many wonderful yoga and Pilates retreats.

The local food in Bali is exotic and cheap and has a flavour quite unlike anywhere else in Asia. Plus you can feast your senses on the beautiful local wooden and stone sculptures, artworks and traditional artifacts, batik and clothing.

There are charming religious and other ceremonies, with graceful dancers wearing colourful costumes and moving to the sound of the indigenous gamelan orchestras that can be heard throughout the island.

If you’re after something a bit more challenging, there are many wonderful surf beaches and places to climb and trek.

Worldcare Australia - balinese-dancer

5 useful phrases in Bahasa Indonesia

Good day Selamat siang
My name is… Nama saya…
What is your name? Siapa nama anda?
Thank you Terima kasih
How much is it? Berapa harganya?

For more useful words and phrases in Bahasa Indonesia, visit the Insight Guides

Worldcare Australia - rice-terraces-bali

Risks of travelling to Bali

Crime and unrest

Theft and petty crime are common in Bali, especially pick-pocketing and thefts of money, passports, bags, laptops and cameras. Violent crime occurs, including burglaries by armed intruders, with some robberies happening at night.

Smartraveller currently recommends that you exercise a high degree of caution travelling to Bali, due to the high threat of terrorist attack.

Weather and environment

Bali is prone to natural disasters, such as volcanic eruptions, flooding and earthquakes, with the accompanying risk of tsunamis.


Health issues in Bali include diseases such as malaria, dengue fever, Japanese encephalitis and rabies. Water-borne, food-borne, parasitic and other infectious diseases (including cholera, hepatitis, measles, typhoid and tuberculosis) are prevalent with outbreaks occurring from time to time. It’s wise to visit your GP before you travel for the appropriate vaccinations, and also take precautions to prevent mosquito and animal bites.

Bali is a wonderful place for surfing, moped riding, diving and many other physical activities. It’s wise to check that your travel insurance policy covers you for any planned sporting activities, as unexpected accidents can occur and not all activities are covered.

Bali hospitals are usually below Western standards, so if you become seriously ill or injured, you may have to be airlifted to Singapore or Australia for treatment. Plus if you’re uninsured, you usually have to arrange payment for your evacuation before you can be airlifted.

The cost of skipping travel insurance

In 2014, Worldcare helped 70 Australians who travelled to Indonesia, ran into trouble and made a claim on their travel insurance policy.

Most of our total claims cost for Indonesia last year was for luggage and personal effects (50%) and medical and hospital expenses (39%). Other common claims were for pick-pocketing (3%) and cancellation fees and lost deposits (2%).

If your luggage or personal effects are lost, stolen or delayed in Indonesia, it could cost you an average of AUD $413 without insurance.

If you are injured or get sick while travelling in Indonesia, you can expect to be out of pocket an average of AUD $389 without travel insurance.

Being pick-pocketed could cost you AUD $178 on average, and covering any cancellation fees and lost deposits could leave you AUD $343 out of pocket on average.

So it’s worth considering travel insurance, which is not expensive and may save you considerable cost and trouble.

Worldcare has a range of travel insurance options and inclusions to suit any Bali holiday budget – even if yours is limited.

Before you travel to Bali

As soon as adverse events such as bad weather, natural disasters and others that may affect your trip hit mass media, you are not covered unless you already have travel insurance, as it’s no longer ‘unforeseen’.

It’s wise to buy your insurance in advance of travelling, as you never know when disaster can strike and cause you to cancel or delay your trip. If you have your policy arranged well in advance of travelling, you are protected. So take it out before you leave and you should be eligible to claim.

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