5 Reasons Why You Need Bali Travel Insurance

Bali is one of the most popular destinations for Australian travellers, thanks to its beautiful beaches, rich culture, and affordable prices. However, travelling to Bali also comes with some risks and challenges, such as natural disasters, health issues, theft, and accidents. That’s why you need Bali travel insurance to protect yourself from the unexpected and enjoy your holiday with peace of mind.

Here are five reasons why you need Bali travel insurance and how to choose the best policy for your trip.

1. Medical emergencies and evacuation

One of the main benefits of Bali travel insurance is that it can cover your medical expenses and hospitalisation if you get sick or injured while in Bali. You may need medical treatment for various reasons, such as food poisoning, dengue fever, malaria, rabies, or motorbike accidents. Medical costs in Bali can be expensive, especially if you need private facilities or specialised care. Moreover, you are not covered by Medicare or private health insurance while overseas, so you will have to pay for everything out of your own pocket.

Bali travel insurance can also cover your emergency medical evacuation back to Australia or to another country if necessary. This can be a lifesaver if you need urgent or complex medical attention that is not available in Bali. Emergency medical evacuation can cost tens of thousands of dollars, depending on the distance and the mode of transport.

2. Cancellation and interruption

Another benefit of Bali travel insurance is that it can cover your cancellation and interruption costs if you have to cancel, cut short, or change your trip due to unforeseen circumstances. These can include personal reasons, such as illness, injury, death, or redundancy, or external reasons, such as natural disasters, civil unrest, terrorism, or travel bans. Cancellation and interruption costs can include your prepaid flights, accommodation, tours, activities, and deposits.

Bali is prone to natural disasters, such as volcanic eruptions, earthquakes, tsunamis, and landslides, which can disrupt your travel plans and cause flight delays or cancellations. For example, in 2017, the eruption of Mount Agung caused thousands of travellers to be stranded in Bali or unable to travel there. Bali travel insurance can help you recover some of your losses and expenses if you are affected by such events.

3. Luggage and personal belongings

Bali travel insurance can also cover your luggage and personal belongings if they are lost, stolen, or damaged while in Bali. You may lose your luggage during transit, have your valuables snatched by thieves, or damage your camera or phone while doing water activities. Luggage and personal belongings cover can reimburse you for the cost of repairing or replacing your items, up to the limits and sub-limits of your policy.

Some Bali travel insurance policies may also cover your travel documents, such as your passport, visa, or driver’s licence, if they are lost or stolen. This can help you avoid the hassle and expense of getting new ones while in Bali. Some policies may also cover your rental vehicle excess if you hire a car, motorbike, or scooter in Bali and have an accident or damage the vehicle.

Bali travel insurance can also cover your personal liability and legal expenses if you cause injury or damage to someone else or their property while in Bali. For example, you may accidentally hit a pedestrian or another vehicle while driving, or you may break something in your hotel room or villa. Personal liability and legal expenses cover can help you pay for the compensation or legal fees that you may be liable for, up to the limits of your policy.

Personal liability and legal expenses cover can also protect you from being sued or arrested by someone else in Bali. For example, you may be involved in a dispute or a misunderstanding with a local, or you may unknowingly break the law or offend the customs or religion of Bali. Bali has different laws and regulations than Australia, and some of them may seem harsh or unfair to foreigners. For example, Bali has strict drug laws, which can result in heavy fines or imprisonment for possession or use of even small amounts of drugs.

5. Additional benefits and extras

Bali travel insurance can also offer some additional benefits and extras that can enhance your travel experience and provide more protection and convenience. These can include:

  • 24/7 emergency assistance: This is a service that can provide you with support and guidance in case of an emergency or a problem while in Bali. You can contact the service by phone or online and get help with finding medical facilities, arranging transportation, contacting your family or friends, or making a claim.
  • Adventure activities cover: This is an optional extra that can cover you for participating in adventure activities that are normally excluded from your policy, such as surfing, scuba diving, jet skiing, bungee jumping, or white water rafting. You may need to pay an additional premium or choose a higher level of cover to include this extra.
  • Cruise cover: This is an optional extra that can cover you for cruising in Bali or other destinations. This can cover you for cruise-specific risks, such as missed ports, cabin confinement, or medical evacuation from the ship. You may need to pay an additional premium or choose a higher level of cover to include this extra.

How to choose the best Bali travel insurance

When choosing a Bali travel insurance policy, you should consider the following factors:

  • Your travel needs and preferences: You should choose a policy that suits your travel plans, budget, and expectations. You should consider how long you are going to Bali, what activities you are going to do, what level of cover you want, and what optional extras you may need.
  • The policy details and exclusions: You should read the Product Disclosure Statement (PDS) and the Target Market Determination (TMD) of the policy carefully and understand what is and isn’t covered, and under what conditions. You should also check the limits and sub-limits of the cover, the excess amount, and the claim process.
  • The policy price and value: You should compare the prices and features of different policies and choose the one that offers the best value for money. You should also look for discounts, promotions, or rewards that may be available from the provider or the platform.

You can use online comparison tools, such as Canstar, to compare Bali travel insurance policies from different providers and find the best one for you.

Conclusion

Bali travel insurance is a must-have for anyone travelling to Bali, as it can cover you for various risks and challenges that you may encounter while in Bali. Bali travel insurance can cover your medical emergencies and evacuation, cancellation and interruption, luggage and personal belongings, personal liability and legal expenses, and additional benefits and extras. You should choose a Bali travel insurance policy that suits your travel needs and preferences, and read the policy details and exclusions carefully. Bali travel insurance can help you enjoy your holiday with peace of mind and protect you from the unexpected.