Bali bound? Get travel insurance with COVID medical cover

Travel insurance is no longer compulsory in Indonesia but Smartraveller recommends you get it.

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What you need to know

  • Australians heading overseas to travel hotspots like Bali, Singapore and Thailand should consider taking out travel insurance before they set off.
  • Smartraveller says if you cannot afford travel insurance, you cannot afford to travel.
  • Bali travellers should not be put off – most comprehensive travel insurance policies come with unlimited medical cover.

Covid travel insurance for Bali: Current requirements

To get into Indonesia you previously needed "proof of COVID-19 medical insurance, which covers COVID-19 treatment and medical evacuation", according to Smartraveller.

This rule changed as of June 16, 2022. But getting a COVID-19 travel policy could still give you peace of mind before travelling. Look for a travel policy that offers unlimited medical expenses. And keep an eye out for medical evacuation cover.

Want a quote? Compare Bali travel insurance.

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How much could it cost for Bali travel insurance with COVID cover?

We pulled travel insurance quotes from Southern Cross Travel Insurance and Cover-More. A Southern Cross Travel Insurance policy is likely to set you back around $107.44 for a 7-day trip, while Cover-More costs around $186.

Both of these policies include cover for medical expenses, including if you catch COVID, get injured riding a moped, trip cancellation and lost or stolen luggage.

Southern Cross Travel InsuranceCover-More - International Comprehensive +
Cancellation cover$2,500 - Unlimited$1,000 - Unlimited
COVID-19 benefits
  • Medical and evacuation
  • Cancel or change your travel arrangements before your journey
  • Re-arrange your travel arrangements (including if you need to return to Australia), because you are diagnosed with COVID-19
  • Medical treatment and ambulance transportation
  • Cancellation if you're diagnosed with COVID-19 prior to your departure
  • Quarantine or isolation costs if you're diagnosed with COVID-19 during your trip
  • Cover if you pass away on your trip due to COVID-19

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Note: Prices based on a 7-day trip for a 30-year old traveller with $100 excess. This information was last updated January 2023.

Cover-More will also allow you to amend your trip if a relative or business partner is diagnosed with COVID-19, or you're an essential healthcare worker and your leave is revoked because of COVID-19.

How many travel insurers offer COVID-19 cover?

We found 23 different insurance policies that include COVID-related cover. Policies vary, but you can generally find cover for:

  • COVID-related medical expenses
  • Cancellation or rearrangement costs if you or your travelling companion get COVID and it impacts your trip
  • Transport and accommodation expenses if you're diagnosed with COVID on your trip and need to quarantine or self-isolate
  • Cancellation or rearrangement costs if you have a close relative in Australia who is hospitalised with COVID or unexpectedly dies due to COVID.

You can find the policies with COVID-related cover here.

There are certain COVID-related situations where travel insurance will not generally cover you. These include:

  • Government imposed lockdowns or quarantines
  • A mandated quarantine or self-isolation that you knew about in advance
  • Ignoring advice from a doctor that you are not well enough to travel
  • COVID cover on a multi-night cruise
  • Travelling to a "Do Not Travel" country
  • PCR tests

How do I get the best travel insurance for Bali?

The best travel insurance policy is going to cover you for unexpected costs that could arise before your trip, and while you're travelling. You can either;

Number 1 Get an all inclusive, comprehensive travel insurance policy.

Number 2 Plan your activities, and make sure you're covered for them.

A standard travel insurance policy will usually cover you for things like overseas medical expenses and cancellations. While the best policy will also cover you for the unique activities in Bali like riding a scooter, volcano hikes, yoga retreats and water sports.

Also, remember to take out a policy from the date you depart from Australia, until the day you arrive back home - not the day you leave Bali.

Can I get cheap travel insurance for Bali?

Compared to other countries, getting travel insurance for Bali is quite reasonable for Australian travellers.

We got some quotes for a 30yr old going to Bali for 2 weeks, and here are 3 comparatively cheap options.

InsureandGo Bare EssentialsFast Cover BasicsInsure4less Medical Only
Overseas medical expensesUnlimitedUnlimitedUnlimited
Cancellation cover
COVID-19 benefits
Some coverSome cover

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Note: Prices based on a 14-day trip for a 30-year old traveller with $200 excess. This information was last updated January 2023.

While you may not want all the perks of a comprehensive policy, try not to compromise on the things you need just for a cheap policy. At the very least, make sure you're covered for anything medical related including pre-existing conditions and medical evacuations.

Will travel insurance cover the Bali volcano?

Whether you're covered for an eruption depends on when you bought cover. If you buy a new travel insurance policy after an eruption, you won't be covered.

Why? travel insurance is designed to cover unforeseen event, which the Mount Agung eruption wouldn't be.

Despite this, it's still a good idea to get cover for other unforeseen events like medical expenses, cancellation costs not related to the ash cloud, lost luggage, cover for leisure activities and more.

More information on the Bali volcano

Frequently asked questions

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10 Responses

    Default Gravatar
    RichardSeptember 16, 2021

    I am a 74 year old Pensioner, who spends nearly 6 months of the year in Bali. I have mild Oestesporosis and mild Enphysemia and just need the basic insurance to get me back to Australia if anything were to happen to me in Bali. How much would I be approximately? Would it be cheaper t purchase per the 60 day holiday or to purchase for a year?

      Avatarfinder Customer Care
      JamesSeptember 23, 2021Staff

      Hi Richard,

      Based on your situation, a seniors travel insurance might be a good option to consider. It offers benefits such as cover for pre-existing medical conditions and accidents overseas.

      The exact cover and premium you’ll pay will vary between providers. Read our guide on Seniors Travel Insurance ( for more information.

      When you’re ready, you can get a quote from the providers listed in the guide. Click the green ‘Get Quote’ button to get started.

      Before applying, always read a policy’s Product Disclosure Statement (PDS) so that you’re aware of what you’re covered for, along with and exclusions or restrictions.

      I hope this helps,


    Default Gravatar
    angFebruary 16, 2016

    With the volcano issues in Bali, what would be the best cover to get in relation to missed flights, missed work, more accommodation? Assuming you are in Bali when it happens?

      Avatarfinder Customer Care
      RichardFebruary 17, 2016Staff

      Hi Ang,

      Thanks for your question. It is always advisable to get cover before you leave. As there is no current eruption, there are no moratoriums on the cover.

      There is no best cover, as cover needs vary from person to person. To compare your travel insurance options from the brands in our panel, enter your travel details into the form. Once you have done so, you will be able to view the various brands on offer, their cost and levels of cover.

      I hope this was helpful,

    Default Gravatar
    GabriellaAugust 9, 2015

    Does being licenced to ride a motorcycle include L’s?

      Avatarfinder Customer Care
      RichardAugust 10, 2015Staff

      Hi Gabriella,

      Thanks for your question. Generally it means you have to have an unrestricted licence.

      I hope this helps,

    Default Gravatar
    GeoffMay 7, 2015

    My wife and daughter are travelling to Bali in June for 9days, obviously they need travel insurance but they would also like cover for riding scooters are you able to give me a quote

      Avatarfinder Customer Care
      RichardMay 8, 2015Staff

      Hi Geoff,

      Thanks for your question.

      If you would like to review how the insurers in our panel treat motorcycle use while traveling, please have a look at motorcycle travel insurance. Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      I hope this was helpful,

    Default Gravatar
    JudyMarch 14, 2015

    I have travel insurance with Priceline and was wondering if I am covered if the government puts out a travel warning for Bali where I am travelling to.

      Avatarfinder Customer Care
      RichardMarch 19, 2015Staff

      Hi Judy,

      Thanks for your question. Unfortunately, is a comparison service. I contacted Priceline and who said at this point in time, they do not have any specific instructions for people travelling to Bali. If you are after specific information in regards to travel warnings, please refer to the General Exclusion section in the PDS. I would be worth pointing out that travel warnings do change, so keep an eye on this be taking advantage of services such as Smartraveller.

      I hope this was helpful,

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