Before your trip, check the latest government advice for any travel alerts for your destination.

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 surfers, food-loving travellers, and those keen on tapping into their spiritual side. TID travel insurance provides coverage options for your trip to Bali - whether you choose Basic, The Works or Annual Multi Trip.

TID travel insurance coverage includes:

What does travel insurance cover in Bali?

  1. Trip cancellation or Interruption

Planning a relaxing stay in Seminyak? If sickness, accidents, or severe weather force you to cancel or cut your trip short, TID insurance may cover your non-refundable expenses.

TID provides coverage for 11 specific events that could impact your travel plans. However, to qualify, the event must have occurred after your Certificate of Insurance was issued. Optional cancellation benefit limits are available (additional fees may apply). Note: Change-of-mind cancellations are not covered.

  1. Natural disasters & travel disruptions

Bali is prone to floods, earthquakes, and volcanic eruptions. These events can lead to flight cancellations, diversions, or trip delays.

If an unexpected natural disaster affects your travel, TID insurance may help with additional costs. However, if it’s a known event before purchasing your policy, coverage may not apply. Check TID Travel Alerts and government advisories before your trip.

  1. Adventure sports & activities

If your Bali itinerary includes surfing, rafting, or trekking, accidents can happen. TID covers medical assistance, evacuation, and medical repatriation if needed.

For those bringing personal golf or surf equipment, select policies like The Works and Annual Multi-Trip offer coverage for loss, damage, or rental replacements.

Read more on the sports and activities TID covers. 

Tips to travel safe in Bali

While Bali is generally safe, take these precautions for a hassle-free trip:

  • Prevent theft – Keep valuables in a bum bag, lock hotel rooms, and avoid leaving items unattended.
  • Avoid Arak – This traditional drink has been linked to methanol poisoning. Only consume drinks from reputable bars.
  • Stay healthy – Use insect repellent, wear sunscreen, and avoid tap water or drinks with ice.
  • Beware of Monkeys – In Ubud’s Monkey Forest, avoid carrying food, secure sunglasses, and don’t grin at monkeys (it’s seen as aggression!).

For real-time safety updates, visit TID travel alerts.

Best time to visit Bali

  • Best Weather: The dry season from May to October offers sunny days and pleasant temperatures.
  • Peak Tourist Season: July to August sees higher flight and hotel prices.
  • Public Holidays: Idul Fitri (June) marks the end of Ramadan and attracts large crowds.

Travel insurance tips to get the most out of your Bali holiday

  • Understand your coverage: Read your policy details carefully to know what’s included.
  • Keep documentation: Save receipts for valuables and travel-related purchases.
  • Emergency contacts: Store TID’s emergency assistance number on your phone.
  • Activity coverage: Confirm your policy includes activities like scuba diving, hiking, or motorbike riding.

Need help understanding your policy?

TID’s Customer Service team is available to answer your questions. Visit our FAQs or reach out for assistance. Our travel safety team also provides updates on major travel events.

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 

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. Terms, conditions, limitations and exclusions apply to coverage for events that occur while riding a motorbike or scooter. For more information check out our FAQ on travel insurance for motorbikes and scooters.

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.

Do I need a visa to travel to Bali?

Australian citizens do not need a visa to visit Bali for up to 30 days. You can apply for an e-Visa on Arrival (e-VOA) online or upon arrival at certain airports. 

What you need to know about the Visa on Arrival (e-VOA):

  • Apply online at least two days before your trip.
  • Apply upon arrival at certain airports, including Bali.
  • Pay the e-VoA fee of 500,000 IDR ($50AUD).
  • Have a valid Australian passport that's good for at least six months after your planned stay.
  • Have a return or onward ticket. 
  • Have proof that you have enough money for your trip (approx. AUD$1,500).

Check the latest entry requirements to Bali and any other countries you are visiting with Smartraveller.

I'm already overseas, can I still purchase travel insurance?

Yes, you can. TID allows you to purchase a policy even if you have started your trip. There is a 72-hour waiting period before your cover begins if you purchase your policy once you have left your home in Australia.

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