Travel Insurance For Bali – Our Pick Of The Best Policies

Candiece Cyrus
Forbes Staff

Updated: Oct 3, 2023, 11:22am

Kevin Pratt
Editor

Reviewed By

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Bali is Indonesia’s main tourism hub, attracting visitors in search of a serene escape, but also those ready for an action-packed adventure.

Whatever your itinerary, taking out travel insurance for Bali can offer vital financial protection should something happen to derail your holiday plans.

To help you find a suitable policy for Bali, below we list what we consider to be the top five, provided by our panel of insurers. Our analysis (October 2023) is based on factors such as policy price, excess – the set portion of each successful claim the policyholder is required to pay, and whether the policy offers the option to waive the excess.

Each policy includes at least £2 million in medical cover, £2,000 for trip cancellation, which both extend to Covid-related mishaps, as well as £1,500 for lost or stolen baggage.

Find out more about how we scored the policies in the methodology section.

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  • Market-wide survey of leading travel insurance companies
  • Rigorous assessment of policy features and cover options
  • Thorough analysis of pros and cons

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Our picks of the best travel insurance for Bali

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CoverForYou Standard

CoverForYou Standard
5.0
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Price

£98

Cancellation cover

£3,000

Excess

£50

CoverForYou Standard
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Price

£98

Cancellation cover

£3,000

Excess

£50

Why We Picked It

Costing £98, this policy includes £3,000 per person for trip cancellation, and £2,000 per person for lost or stolen luggage. It offers the joint lowest excess we found, levying £50 per person on each successful claim. Still, it allows policyholders to waive the excess by paying an additional premium, if preferred. Note that this policy excludes travel to the US, Canada, the Caribbean and Mexico.

Pros & Cons
  • £2,000 hospital benefit
  • £50 excess only
  • Excess waiver available
  • No ‘end supplier’ failure cover
  • Gadget cover costs extra
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Cedar Tree Classic Plus Single Trip

Cedar Tree Classic Plus Single Trip
4.5
Our star ratings are based on a range of criteria and are determined solely by our editorial team. See our methodology for more information.

Price

£94.50

Cancellation cover

£2,000

Excess

£95

Cedar Tree Classic Plus Single Trip
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Price

£94.50

Cancellation cover

£2,000

Excess

£95

Why We Picked It

This policy includes £2,000 per person for trip cancellation and £1,500 per person for damaged, lost or stolen baggage. It costs just over £94 and offers the option to waive the £95 per person excess on each eligible claim, by paying an additional premium. Note that this policy excludes travel to the US, Canada and the Caribbean.

Pros & Cons
  • £750 gadget cover as standard
  • £2,500 ‘scheduled airline’ failure cover
  • Excess waiver available
  • No ‘end supplier’ failure cover
  • £95 excess
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Coverwise Select Silver Plus

Coverwise Select Silver Plus
4.0
Our star ratings are based on a range of criteria and are determined solely by our editorial team. The "Why We Picked It" section on each panel contains a detailed assessment of the device.

Price

£80.25

Cancellation cover

£2,000

Excess

£50

Coverwise Select Silver Plus
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Price

£80.25

Cancellation cover

£2,000

Excess

£50

Why We Picked It

This policy for £80 and a few pence offers the joint lowest excess we found, of £50 per person. Each person on the policy can claim up to £2,000 if an emergency, such as illness or bereavement, prevents their holiday from going ahead. For damaged, lost or stolen baggage and belongings, there’s £1,750. Note that this policy excludes travel to the US, Canada and the Caribbean.

Pros & Cons
  • £2,000 hospital benefit
  • £1,000 missed departure cover (both outward and return journeys)
  • £50 excess only
  • No ‘end supplier’ failure cover
  • Gadget cover costs extra
  • No excess waiver
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Southdowns Select Silver Plus

Southdowns Select Silver Plus
4.0
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Price

£87

Cancellation cover

£2,000

Excess

£50

Southdowns Select Silver Plus
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Price

£87

Cancellation cover

£2,000

Excess

£50

Why We Picked It

Costing £87, this policy pays out up to £2,000 per person for trip cancellation, and up to £1,750 per person for damaged, lost or stolen baggage and belongings. Although the excess cannot be waived by paying an extra premium, this policy levies the joint lowest excess we found at £50 per person. Note that this policy excludes travel to the US, Canada and the Caribbean.

Pros & Cons
  • £2,000 hospital benefit
  • £1,000 missed departure cover (both outward and return journeys)
  • £50 excess only
  • No ‘end supplier’ failure cover
  • Gadget cover costs extra
  • No excess waiver
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Post Office Extra

Post Office Extra
4.0
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Price

£93.22

Cancellation cover

£3,000

Excess

£125

Post Office Extra
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Price

£93.22

Cancellation cover

£3,000

Excess

£125

Why We Picked It

Each person on this policy can claim up to £3,000 for trip cancellation and £2,000 for baggage. The policy costs just over £93 and levies an excess of £125 per person on each accepted claim. Policyholders can choose to waive the excess by paying an extra premium. Note that this policy excludes travel to the US, Canada, Mexico, the Caribbean, Bermuda and Greenland.

Pros & Cons
  • Relatively high levels of essential cover
  • Excess waiver available
  • £125 excess per person
  • Gadget cover costs extra
  • No ‘end supplier’ failure cover

Methodology

Using our online comparison tool, we ran quotes for worldwide single trip policies for Bali.

Our research is based on a trip for a family of four (two adults, both aged in their forties and two teenagers) on a 14-day trip.

We’ve assumed no members of the family have any pre-existing medical conditions.

All policies include at least £2 million in medical and repatriation cover and £2,000 in cancellation cover, which both extend to Covid-related risks. They also offer a minimum of £1,500 in baggage and belongings cover.

We ranked each policy on the following factors:

  • Price: The premium (one-off payment) charged for cover
  • Excess: The amount deducted from any successful claims payout. (Some policies charge an excess for each person named on the policy while others charge it only once).
  • Excess waiver: Whether policyholders were offered the option to waive the excess levied on claims by paying an additional premium.

The scores for each policy were totalled, and converted to Forbes Advisor star ratings out of a potential five stars.

What is travel insurance for Bali?

A policy for Bali typically covers countries worldwide, excluding the USA, and surrounding destinations, such as Canada, Mexico and the Caribbean.

Insurers also offer two other main type of policy which cover:

  • Europe
  • Worldwide destinations (including the USA and surrounding destinations)

A policy for Europe tends to be the cheapest, while worldwide cover, particularly if it includes the USA and surrounding destinations, usually works out the most expensive, accounting for higher medical costs in this part of the world.

Do I need travel insurance for Bali?

While taking out travel insurance is not a requirement when visiting Bali, it can provide peace of mind.

As with all types of travel insurance, a policy for Bali covers emergency medical costs should you fall ill or get injured while away and trip cancellation, if something unexpected, such as illness or bereavement, causes you to cancel your holiday.

It also can cover lost or stolen baggage and belongings and personal liability should the policyholder injure someone else, or damage another’s property, and face legal proceedings and the threat of being sued.

What types of travel insurance for Bali are there?

There are three main types of policy to choose from:

  • Single trip policy: designed for a one-off trip
  • Annual multi-trip policy: if you are going away more than once within the space of 12 months
  • Long-stay/Backpacker policy: for a getaway lasting more than 31 days typically. It provides cover for up to 60 or 90 days or 12 or 18 months (and occasionally up to 24 months), depending on the provider.

An annual multi-trip policy can work out more cost-effective than purchasing a single trip policy each time you go away, but not always. It therefore can help to compare both types of policy.

What does travel insurance for Bali cover?

In addition to the above, travel insurance for Bali can cover any number of the following:

  • Travel delay: provides an inconvenience benefit up to a pre-specified amount if the booked outward or return journey is delayed for a set period of time (typically 12 hours) after checking-in
  • Missed departure: covers the cost of additional accommodation and travel should an emergency cause the policyholder to miss their journey
  • Scheduled airline failure: protects the policyholder if the airline they’ve booked with goes bankrupt
  • End supplier failure: protects the policyholder if a hotel, travel company or airline goes into administration
  • Loss of passport: helps cover the cost of replacing a passport and travel documentation, if they are lost or stolen
  • Personal money: the amount that can be claimed if the policyholder’s money is lost or stolen
  • Personal accident: covers an accident resulting in personal injury or death
  • Legal expenses: covers legal fees for an incident that wasn’t the policyholder’s fault
  • Hospital benefit: covers the cost of necessities such as food and drink while the policyholder is in hospital
  • Gadget cover: pays out if items such as the policyholder’s laptop or mobile are lost or stolen.

Does travel insurance for Bali cover sports and activities?

Yes, in fact, it’s common for a policy to cover 50 to 100 low-risk sports and activities as standard. These usually include jogging, cycling and trekking.

Cover for more high-risk activities, such as scootering, quad biking and snorkelling may be available as an optional extra, at an additional cost.

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Frequently Asked Questions (FAQs)

What does travel insurance for Bali exclude?

It is important to read through a policy’s small print to find out its specific limitations and exclusions on cover, as these can differ between policies.

However, generally, insurers typically do not accept claims where the policyholder has travelled to a destination when the Foreign, Commonwealth and Development Office has advised against all, or all but essential travel there.

An insurer is also unlikely to accept a claim based on the policyholder deciding they no longer wish to travel. This is termed ‘disinclination to travel’ and is not deemed a valid reason for making a cancellation claim.

Claims resulting from disorderly behaviour, and intoxication from drink or drugs, will likely be rejected too, and sports-related claims where the policyholder did not wear the appropriate safety gear, such as a helmet or harness.

What else should I consider when comparing policies?

While price is a key consideration when shopping for a policy, there are other factors to take into account too. For example, the cover levels of the policy you choose should meet your requirements.

This includes the cancellation cover, which should cover the cost of your holiday, and the baggage and belongings cover, which should cover the value of the items you are taking away with you. Note that there is often a total baggage cover limit, as well as a cap on how much you can claim per item.

Also look out for the amount the policy levies in excess. This is the set portion of each accepted claim that you must pay. There is no payment to make, as the excess amount will be deducted from the value of the pay-out. However, cheaper policies usually levy more in excess, while more expensive policies levy less.

What is a GHIC?

The Global Health Insurance Card (GHIC) entitles cardholders to emergency treatment on the same terms as locals in European countries. It is not for use in Bali.

The same applies to its predecessor, the European Health Insurance Card (EHIC). If still valid, it can only be used in Europe.

When should I take out travel insurance for Bali?

It is better to take out travel insurance for Bali as soon as you book your holiday, as cover for trip cancellation will start immediately.

Insurers are unlikely to accept cancellation claims resulting from something that happened before the policy was purchased.

How can I compare travel insurance policies for Bali?

An online comparison tool will allow you to easily make side-by-side comparisons of policies for Bali.

First, you will need to enter a few details about yourself and your trip, such as your age and your holiday destination and duration.

It will then show you the cheapest quotes based on your requirements.

Find The Best Travel Insurance Policy
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Candiece Cyrus Forbes Staff

I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.