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Travel Insurance Direct

Travel Insurance for Bali

Enjoy your trip to Bali by considering travel insurance.

Why should I consider travel insurance in Bali?

As one of Indonesia’s most popular islands, Bali attracts plenty of surf-crazy tourists, food-loving travellers, and those keen on tapping into their spiritual side. Like all international destinations, Bali can throw curveballs in the direction of trusting tourists, which is where TID travel insurance may come in handy. Drink spiking is something to be vigilant about as it can result in a trip to the hospital or worse. Petty theft does occur, particularly in tourist areas, and of course, every year there are accidents and injuries caused by the many activities and adventures travellers tackle in Bali.

What can travel insurance cover me for in Bali?

Once flights, accommodation and any intended activities are booked, the rest is in the hands of the travel gods with travellers at the mercy of arrival and departure times, luggage transfers, and weather conditions. Here are some of the cover benefits available when you take out a TID insurance policy.

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Overseas medical expenses

When you change climates and diet, illness can creep in. While no one likes getting sick on holiday, it can happen. Most of our travel insurance plans (excluding Domestic) provide unlimited cover for overseas ambulance, hospital bills and more.

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Gadget cover

TID’s international policies may cover valuable electronic items, such as cameras, laptops and phones if they're stolen, permanently lost or damaged. You can purchase extra cover for your valuable items for an additional premium. If you need to make a luggage claim, please ensure you understand what we require.

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Tour cancellation

Your TID policy – whichever level of cover you choose – may cover you if you have to cancel your trip due to unforeseeable events. If you've arranged an excursion and the tour operator cancels because of bad weather, or you cannot reach a tour in time because of travel delays, we may be able to reimburse the cost of the tour or portion of the cost that you couldn't attend.

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None of us can tell what is going to happen in the future – while you might be thinking it holds relaxing nights gazing at the water as the sun goes down at the Seminyak beach bars, sickness, accidents and more can result in a trip cut short, or a holiday that’s cancelled altogether. 

TID travel insurance covers 11 specific events – if these occur you may have cover if you must cancel your holiday, or come home early, because of them.  For the cancellation cover to apply, the event must have happened after your Certificate of Insurance was issued – that means if a volcano erupts and your holiday is going up in smoke, it’s too late to purchase travel insurance and hope you’ll be covered. 

When choosing the TID policy that suits you best, there is an option to increase the covered amount for cancellation by selecting a benefit limit although there may be additional charges accordingly. Sub limits apply, and remember, if you simply change your mind about your trip, you’re unlikely to be covered. 

Natural Disasters

As the go-to Indonesian island, Bali is prone to floods, earthquakes, volcanoes and tsunamis. And while it’s not something we like to think about, it should be a consideration and you should do your research before you set off. 
When any of these occur, domestic and international flights are often thrown into chaos, bookings are forced to be shuffled, and in some cases, a diversion to another destination is required.   

Travel insurance may help ease the financial burden if it’s an unexpected disaster. If however, it’s a known likelihood that there may be a natural disaster, such as the eruption of Mt Agung which has disrupted flights on many an occasion, then it may not be covered.   
You can check our travel alerts before you go and keep an eye on government advisories for your destination. 

Sports and Activities

Adrenaline junkies who have surfing, rafting or trekking on their Bali to-do list, will know that adventure travel comes with a risk. If something goes wrong and you injure yourself, a TID policy may be able to help with medical assistance, evacuation, and in the worst-case scenario, repatriation back home if medically necessary and approved by us. And if you’ve decided to take your own golf or surfing equipment with you, there’s cover (benefit limits apply) on The Works and Annual Multi Trip plans to hire replacement equipment if your own is accidentally lost, delayed or damaged during your trip. 

For more on the sports and activities TID covers, head here

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Popular Aussie traveller types to Bali

With vastly diverse landscapes, every star of hotel and all manner of activities, Bali offers something for travellers of all stripes. 


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Those wishing to take a well-deserved break from studying can find solace in Bali. Whether you're travelling with school friends or venturing solo, the streets of Bali are often filled with fellow pupils seeking a taste of culture without being too far away from home.  


Whether it's a big birthday bash or pre-wedding party, Bali knows how to accommodate group getaways. Group-friendly hotels scatter the island offering amenities to keep everybody happy. Our TID policies cover a maximum of two adults plus their dependent children, so if you're looking to cover a big party, you'll need to contact us to arrange group travel insurance across multiple policies. 


Bali is a haven for Aussie backpackers looking for budget travel, sociable hostels and chilled-out vibes. If you're thinking about hostel-hopping across the island, our travel insurance may keep your trusty luggage, gear and you protected. 


Adventure, safari and water parks are just some of the awesome family days out on offer on Bali. Our travel insurance can cover families up to two adults and their children, can cover up to two adults and their children.

Travel Safe in Bali

While Bali is relatively safe to visit, it's always good to know some tips to make sure you've always got safety on your side.

  • Dodge theft: keep valuables in a bum bag, don't leave anything worth stealing in your hotel and lock your room at night. 
  • Avoid Arak: cases of methanol poisoning have been reported because of this traditional Balinese drink. Only consume drinks from a reputable bar. 
  • Stay healthy: wear plenty of insect repellent and sunscreen and do not drink the tap water or drinks with ice. 
  • Cheeky monkeys: visiting the monkey forest in Ubud? Don't take food, hide your sunglasses and avoid grinning with your teeth at them. 

To find out more about the dangers and possible threats before booking your trip, be sure to check TID’s Travel Alerts page. 

Best time to travel to Bali

Bali is a pleasure to travel around at any time of year, but there are certain seasons that are cheaper and have better weather conditions.

  • Best weather: Bali is warm throughout the year, but the dry season between May and October is the most favourable.
  • Peak times: the tourist season runs from July to August, so flight and hotel prices may be higher during these months.
  • National holidays: Usually taking place in June, Idul Fitri is a two-day public holiday that marks the end of Ramadan, attracting large crowds.

Bali travel insurance FAQs

Am I covered if I ride a moped, scooter or motorbikes in Bali?

We see a lot of motorcycle accidents and the worst-case scenario is when someone is hurt and has no cover because they didn’t follow the terms and conditions of cover. For travel insurance cover to apply, you must be wearing a helmet at all times (even if local law doesn't require it) and you must have a valid licence to ride in Bali and the same class of vehicle back in your country of residence. There are certain terms, conditions, limitations and exclusions that apply to coverage for events that occur while riding a motorbike or scooter. If you comply with all of these, then cover may be available if the worst happens and you’re injured or killed.

Am I covered if a volcano erupts, or an ash cloud occurs in Bali?

Your TID policy offers cover for costs you incur because of natural disasters such as a volcanic ash cloud. However, to have cover available, you need to have purchased your policy before the event occurred. Check our travel alerts page to keep abreast of any events, and always have your browser locked on Smartraveller and the World Health Organization sites.

Am I covered if I travel to Bali while I am pregnant?

For full details check out this article, which explains all of the cover details if you’re planning to travel while pregnant.

This is a brief summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement