Skip to main content
Young woman in red dress walking in rice fields Bali in Tegallalang.

Bali travel insurance

Bali bound? RACV Travel Insurance covers the unexpected, from medical bills to lost luggage# and scooter rides.|| RACV Members save 15%.*

Get a quote
Why RACV?
Compare plans
Bali travel tips
Frequently asked questions
Disclaimers
Get a quote

Thank you for contacting us

Your reference number is

We'll contact you within 72 hours and may ask for this reference number.

Travel insurance for Bali

It's hard not to fall in love with Bali. Surf breaks and black-sand beaches give way to emerald rice terraces and ancient temples. Ubud brings a cool, arty calm, while Seminyak serves up sunset bars and long lunches. It's a place to slow down, eat well and explore.

But even the most relaxed Bali trip can hit a snag, whether it's a delayed flight, a stomach bug or a tumble off a scooter.

RACV Travel Insurance is built for these moments, with unlimited cover for overseas medical expenses^, plus benefits for lost or damaged luggage and emergency expenses if your trip is disrupted by natural disasters or severe weather.# Scooter and moped rides are also covered at no extra cost, so you can get around the island just like the locals do.ǁ

Planning a Bali holiday?

From clifftop villas to coastal escapes, book with RACV and save on a range of luxury and family Bali getaways.

Explore Bali holidays

Why choose RACV Travel Insurance for Bali?

Bali might feel close to home, but it still pays to be prepared. Here's how RACV Travel Insurance can support you while you travel.

Any product information on this page is a summary only. Review each section of the combined PDS/FSG for terms, conditions, exclusions, limits, sub-limits, and any general exclusions that apply. 

Overseas medical expenses

$unlimited medical and hospital cover while you’re in Bali.^ Plus, get automatic cover for 38 medical conditions.~ 

Luggage and personal money

Cover in case your luggage is lost, stolen, damaged or delayed while travelling. Plus, cover if your money gets stolen.

24/7 overseas assistance

Around-the-clock phone support for overseas medical emergencies and evacuation.

Scooter and moped cover

Getting around Bali often means two wheels. Cover for scooter and moped rides is included at no extra cost.ǁ

Cancellation and lost deposits

Claim for cancellations and lost deposits if unforeseen circumstances mean you can’t travel (on select policies).

Kids and grandkids covered

RACV Travel Insurance policies insure your children and grandchildren for free.++ Add them to your policy before you travel. 

Emergency expenses

Cover for extra accommodation and meal expenses if your travel is delayed by severe weather or an unexpected event.

RACV Members save 15%

Already a Member? You'll save 15% year-round on all travel insurance policies.*

Compare Bali travel insurance plans

 Choose from 3 levels of cover to match your Bali adventure. All RACV International Travel Insurance policies include unlimited overseas medical and hospital cover.^

Most popular^^

Comprehensive

RACV Members save
15%
year-round*
Get a quote
Learn more
Get a quote
Learn more

Essentials

RACV Members save
15%
year-round*
Get a quote
Learn more
Get a quote
Learn more

Basics

RACV Members save
15%
year-round*
Get a quote
Learn more
Get a quote
Learn more
Skip to content above compare feature
Compare travel insurance
A young woman riding a motorcycle in Bali.

Riding a scooter in Bali?

Scooters and mopeds are one of the most popular ways to get around Bali, from weaving through the back streets of Canggu to reaching temples and beaches that buses can't get to. But exploring on two wheels comes with its own risks and scooter cover isn't always included in standard travel insurance.

RACV Travel Insurance automatically includes cover for scooter, moped and motorcycle riding at no additional cost.ǁ Just make sure you're wearing a helmet (whether you’re the driver or a passenger), following the road rules and that the driver has a valid licence. 

Bali travel tips

Planning a trip to Bali? Here are a few things worth knowing before you go. 

Best time to visit Bali

Bali's dry season (April to October) brings sunny days and calmer seas, making it the best time for beaches, surf and outdoor activities. The peak months for tourists are July and August. The wet season (November to March) brings heavy rains and occasional flooding, so is less popular with travellers.

Bali visa requirements

Australian passport holders can get a visa on arrival (e-VOA) for short stays of up to 30 days, extendable once for a further 30 days. Your passport must be valid for at least six months from your arrival date. Entry rules can change, so check the Indonesian Government website and Smartraveller before you book.

Staying safe in Bali

Bali is considered a safe destination to visit, though it pays to stay alert. Common issues include scooter accidents, petty theft, tourist scams, Bali Belly and mosquito-borne illnesses such as dengue fever. A few sensible precautions such as helmets, bottled water and insect repellent will go a long way.

Frequently asked questions

While travel insurance isn't a legal requirement to enter Bali, it is recommended. Indonesia's public healthcare system isn't set up for foreign visitors and private hospitals can be expensive, especially if evacuation or repatriation is needed. Without cover, medical treatment, travel disruptions and lost luggage are all costs you'd need to pay yourself.

RACV International Travel Insurance offers unlimited overseas medical and hospital costs on all plans,^ along with cover for luggage, emergency expenses and cancellations (on select plans). Scooter and moped rides are also covered at no extra cost.ǁ

There's no single price for Bali travel insurance because your premium is calculated based on your specific trip and circumstances.

Factors that affect the cost of travel insurance include:

  • Trip length: Generally, the longer your trip, the higher the premium.
  • Traveller age: Age is a factor in how premiums are calculated.
  • Level of cover: A comprehensive plan will cost more than a basic plan but will offer higher limits and broader cover, such as cancellation cover.
  • Excess: Choosing a lower excess typically increases your premium.
  • Health: If you have a medical condition that isn’t automatically covered, your premium can be affected.
  • Cruises: Ocean cruises aren’t typically included with standard insurance policies, so you’ll need to add optional cruise cover.**

The best way to find out what you'll pay is to get a quote – it only takes a few minutes. RACV Members save 15% on their premium.*

A few factors are worth considering when choosing travel insurance for Bali:

  • Trip length and value: the more you've pre-paid, the more cancellation cover matters.
  • Activities: if you’re planning on doing any adventure sports while in Bali, you need to make sure it’s covered by your policy.
  • Medical needs: if you have any medical conditions, check what's automatically covered and what may need to be declared. RACV Travel Insurance automatically covers 38 conditions, subject to specific criteria.~
  • How often you travel: frequent visitors to Bali may find an Annual Multi-Trip plan more convenient than single-trip policies.

RACV Travel Insurance offers 3 levels of cover for single international trips – Comprehensive, Essentials and Basics – along with Annual Multi-Trip for frequent overseas travellers. All RACV International Travel Insurance plans include $unlimited overseas medical and hospital cover^, 24-hour emergency assistance and cover for lost luggage. RACV Members save 15% on their premium.*

Bali Belly (the traveller's diarrhoea common in Bali) is treated the same as any other illness under a standard travel insurance policy. Most policies will cover a doctor's visit, medication or a hospital stay if things get serious, though it's worth checking the specifics of your policy before you travel.

A few things worth keeping in mind:

  • Mild cases are usually managed with rest, rehydration and over-the-counter medication.
  • More serious cases (dehydration, high fever, prolonged symptoms) may need medical attention.
  • Keep receipts for any medical costs or medication, as you'll need these to claim.

All RACV International Travel Insurance plans include $unlimited overseas medical and hospital cover^, along with 24-hour emergency assistance. If a doctor certifies you're unfit to continue your trip as planned because of Bali Belly, cover may also be available for extra accommodation, meal and travel costs  required.

Bali sits in an active volcanic region and eruptions can occasionally disrupt flights, close airports or affect travel plans. Volcanic eruptions are classified as a natural disaster under most travel insurance policies, which generally means cover applies for costs like:

  • Cancelled or rescheduled travel and accommodation.
  • Additional accommodation, meals and travel costs if you're stranded or your trip is disrupted.

RACV Travel Insurance includes cover for cancellations on select plans and emergency expenses caused by natural disasters, including volcanic eruptions, provided the event was unforeseen at the time of purchase. It's worth checking Smartraveller for the latest advice before you book and again before you fly. Cover generally only applies to events you couldn't have known about when you purchased your policy. If an eruption or ash cloud is already affecting travel (or a "do not travel" advisory is already in place) before you buy your policy, related claims typically won't be covered. 

 

Scooters are one of the most common ways to get around Bali, but not every travel insurance policy automatically covers you if you get on one. Before you choose your travel insurance, it’s important to make sure you have or can get cover for travelling on two wheels and that you meet all the relevant conditions for safe riding.

RACV Travel Insurance includes cover for scooter, moped and motorcycle riding at no additional costǁ, as long as you meet specific criteria, such as wearing a helmet and following the local road rules. Before you ride, check out more information on the Scooter and Motorcycle cover page.

Dengue fever is a mosquito-borne illness present in Bali and much of Southeast Asia and it's treated like any other illness under a standard travel insurance policy.

A few things worth knowing about dengue fever:

  • Symptoms can include high fever, severe headache, joint pain and rash.
  • Treatment usually involves rest, fluids and monitoring, though severe cases may need hospitalisation.
  • Insect repellent, mosquito nets and covering up at dawn and dusk can help reduce your risk.

All RACV Travel Insurance includes $unlimited overseas medical and hospital cover^, along with 24-hour emergency assistance. If a doctor certifies you're unfit to continue your trip as planned because of dengue fever, cover may also be available for extra accommodation, meal and travel costs required.

If Bali is a regular destination, an annual policy could be worth considering.

The RACV Annual Multi-Trip plan covers an unlimited number of international trips over a 12-month period, which could be a more convenient option.

Each trip is covered up to a maximum duration of 30, 45 or 60 days (depending on your level of cover) and the same benefits apply across every trip you take during the year. RACV members save 15% on their premium too.*

For more details on how annual travel insurance works, visit the Annual Multi-Trip Travel Insurance page.

Browse all FAQs

# Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to the combined PDS/FSG for full details.

* RACV Travel Insurance Member discount applies to the premium only (not applicable taxes).

^ ‘Unlimited’ means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions. Medical, hospital, dental or any ancillary benefits or expenses incurred more than 12 months from the time treatment for the injury or illness was first received will not be covered. Terms, conditions (including eligibility criteria), limits, sub-limits and exclusions apply. Refer to the combined PDS/FSG for full details.

ǁ ‘Moped or Scooter’ (two or three wheeled motor vehicle (including e-scooters) with engine capacity below 50cc), ‘Motorcycle’ (two or three wheeled motor vehicle (including electronic versions) with engine capacity equal to or greater than 50cc) and ‘Quad Bike’ are defined in the PDS. Cover is subject to general exclusions, including where you are operating or travelling as a passenger without wearing a helmet and driving without meeting specific licensing requirements. Refer to the PDS for full definitions, terms, conditions and exclusions.

~ You’re covered automatically for 38 medical conditions if you meet all criteria, as outlined in the PDS. Refer to the PDS for full information on medical conditions that are automatically covered.

++ Dependant means any of your children or grandchildren who are 25 years of age or under, not working full time, travelling with you for your entire trip and listed on the Certificate of Insurance as your Dependant. Dependants can be covered at no extra cost if they have not disclosed any medical conditions requiring assessment. Terms, conditions, exclusions, limits and sub-limits apply. Refer to the PDS for full details.

^^ Most popular based on the number of policies sold to date.

~~ $unlimited means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions.

## These limits are per policy. 

⋄ Limited COVID-19 cover is only available for specific benefits and sub-limits apply. Refer to the PDS for full details, inclusions, exclusions and applicable limits.

** Refer to the combined PDS/FSG to determine if Cruise cover is required for your trip. Terms, conditions, limits, sub-limits and exclusions apply. 

Bali travel guides

Show more

Royal Automobile Club of Victoria (RACV) Limited (ABN 44 004 060 833, AR No. 1243563) (RACV) is an authorised representative of the RACV Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RACV Travel Insurance as the managing agent on behalf of Tokio Marine.

Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on RACV’s website, or on request from RACV.

Choose from 3 levels of international cover

Get a quote