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Travel Insurance for Bali: US Visitor Requirements & Quotes

KEY TAKEAWAYS
  • You’ll need a visa and a valid U.S. passport to travel to Bali.
  • It’s a good idea to purchase travel medical insurance because Indonesia does not accept U.S. health insurance.
  • According to our research, our top picks for travel insurance for Bali come from Seven Corners, Travelex and Tin Leg (skip ahead to view these plans).
  • While the cost of travel insurance varies depending on the provider, type of coverage and more, the cheapest plans can cost as little as $1 per day.
  • To find the best deal, we recommend using an online comparison tool. This way, you can view multiple quotes and coverage options at once.

If you’re in the mood for an island getaway, you can’t go wrong with a trip to Bali. Breathtaking waterfalls, sandy beaches, mountain summits and hidden caves await you.

Before you pack your bags, however, we highly recommend that you purchase comprehensive Bali travel insurance. 

In this guide, we’ll help you understand:

Our top picks for the best travel insurance for Bali

Advertiser Disclosure
Best for Robust Coverage

Seven Corners

GET A QUOTE via Squaremouth’s secure website
4.37
Preferred Plan
Trip Protection Choice
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000 / $1,000,000
Best Rated Travel Insurance

Travelex Insurance Services

GET A QUOTE via Squaremouth’s secure website
4.43
Preferred Plan
Travel Select
Covers COVID
YES
Medical & Evacuation Limits Per Person
$50,000 / $500,000
Best for Travel Delays

Tin Leg

GET A QUOTE via Squaremouth’s secure website
4.6
Preferred Plan
Luxury
Covers COVID
YES
Medical & Evacuation Limits Per Person
$100,000 / $250,000

Do I need travel insurance to visit Bali?

There’s no legal requirement to have travel insurance, but we highly recommend purchasing a travel plan with coverage for trip cancellation, trip interruptions, medical expenses, medical evacuation and other common scenarios. 

A good travel insurance plan protects you from significant financial losses in the following circumstances:

Our top picks for the best travel insurance for Bali

Advertiser Disclosure

Best for Robust Coverage

Full Policy Details

Seven Corners

4.37
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Trip Protection Choice
Covers COVID
YES
Medical & Evacuation Limits Per Person
$500,000 / $1,000,000
Why We Like It

PROS

  • Offers coverage for pre-existing conditions
  • Money-back guarantee
  • Cancellation & Interruption coverage standard
  • Covers action sports & equipment

CONS

  • Cancel for any reason not included standard
  • Must meet waiver for pre-existing conditions to be covered

Best Rated Travel Insurance

Full Policy Details

Travelex Insurance Services

4.43
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Travel Select
Covers COVID
YES
Medical & Evacuation Limits Per Person
$50,000 / $500,000
Why We Like It

PROS

  • Plans can be customized with upgrades
  • Children 17 and under included for free with some plans
  • Coverage for pre-existing medical conditions available
  • CFAR coverage is available as an add-on to a comprehensive travel insurance plan

CONS

  • Optional CFAR coverage only reimburses 50% of prepaid travel expenses, which is less than some competitors
  • Travel Select plan only has $50,000 in coverage for emergency medical expenses, which is lower than some competitors
  • The baggage delay benefit requires a 12-hour waiting period
  • CFAR coverage is not available with all Travelex plans

Best for Travel Delays

Full Policy Details

Tin Leg

4.6
GET A QUOTE via Squaremouth’s secure website
Preferred Plan
Luxury
Covers COVID
YES
Medical & Evacuation Limits Per Person
$100,000 / $250,000
Why We Like It

PROS

  • Coverage for pre-existing conditions
  • Cancelation & interruption coverage
  • Offers hurricane and weather coverage

CONS

  • Cancel for any reason not included standard

Bali travel information & requirements

Query Detail
Tourist visa required? Yes
Passport requirements U.S. passport must be valid for 6 months beyond your arrival date
U.S. emergency passport not accepted
Local currency Indonesian rupiah (IDR)
Language Bahasa Indonesian and Balinese
Average 5-year exchange rate 1 USD = 15,047.85 IDR
Vaccine requirements None
COVID test required? No
Travel advisory level Level 2 – Exercise Increased Caution
Emergency services phone number 112
Accepts U.S. health insurance? No
Travel insurance required? No

Are there COVID-19 restrictions for U.S. tourists?

Although the U.S. State Department encourages American travelers to get the COVID-19 vaccine, Bali’s government has no COVID-related restrictions for U.S. tourists. Indonesia stopped requiring proof of vaccination on June 9, 2023.

Do I need a visa or passport to travel to Bali?

Yes. You need a valid U.S. passport with at least two blank pages for your entry stamp. Your passport must be valid for at least six months following your scheduled arrival date.

You also need to obtain a visa from Indonesia’s e-Visa system before your trip. Indonesia offers single-entry visas as well as multi-trip visas. The cost of a visa depends on the length of your stay and the reason you plan to visit Bali. For example, it costs IDR 1,500,000 (around $96) to purchase a single-entry tourist visa for stays lasting no more than 60 days.

Is it safe to visit Bali?

Bali is relatively safe, but it does have an increased risk of natural disasters due to its location in the Lesser Sunda Islands. There’s also some risk of terrorist activity in Bali and other parts of Indonesia. Protect yourself by taking common-sense precautions during your trip.

Why Bali travel insurance is important

Risk of volcanic eruptions and natural disasters

Indonesia is located in the Ring of Fire, a belt of earthquakes and volcanoes surrounding much of the Pacific Ocean. Therefore, there’s a high risk of volcanic eruption. Some insurance companies classify volcanic eruptions as foreseen events, which means they won’t cover trip cancellations or interruptions due to volcanic activity. Other firms treat them as unforeseen events.

Risk from sporting activities  

Bali is home to Mount Batur, West Bali National Park and other points of interest. If you decide to go trekking, try SCUBA diving or participate in other adventure activities, you’ll need a comprehensive travel insurance policy to protect you. Depending on the type of policy you buy, your insurer may reimburse you for unforeseen medical expenses, medical evacuation costs and other expenses associated with adventure sports.

Note that most standard insurance plans don’t include this type of coverage. If you want coverage for risky activities, you’ll need to add it to your Bali travel insurance policy.

Risk of a driving accident

Bali doesn’t have a strong public transportation system, so many people use motorbikes and mopeds to get around. When you ride a motorbike or a moped, you don’t have the body of a vehicle around you for extra protection. Therefore, you may sustain serious injuries if you’re involved in an accident.

The risk of accidents is also higher for motorbikes and mopeds than it is for standard cars and trucks, especially if you ride with someone who darts around traffic or drives at a high rate of speed. A comprehensive travel insurance plan covers medical expenses and other costs arising from this type of accident.

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What does travel insurance for Bali cover?

Depending on what type of travel insurance policy you buy, your plan may cover the following situations.

Trip cancellation insurance

Trip cancellation coverage reimburses your prepaid, nonrefundable expenses in the event you have to cancel your trip for a covered reason. For example, if you come down with a serious illness before your departure date, you may qualify for reimbursement of up to 100% of your prepaid costs. 

This type of insurance only covers unforeseen events, which are things that happen suddenly and unexpectedly. For example, if you book your trip after a named storm has already developed near Bali, you won’t be able to get your money back if the storm forces you to cancel your trip. Severe illness, job loss and the death of an immediate family member are all examples of unforeseen events covered by trip cancellation policies.

Some companies also offer cancel-for-any-reason insurance, commonly abbreviated CFAR. This type of insurance allows you to get your money back if you have to cancel for a reason that isn’t covered by your standard travel insurance plan.

Assume your travel companion decides they want to go to Bora Bora instead of Bali. That’s not a good enough reason to cancel under a standard plan, but you can get your prepaid, nonrefundable expenses back if you paid for CFAR coverage.

Trip delay insurance

During your trip, you’ll probably use at least one common carrier, which is a company that provides transportation services to the public. This includes commercial airlines, railroads, cruise lines and bus companies.

If you’re delayed due to a problem with one of these carriers, your travel insurance will reimburse you for any expenses arising from the delay. For example, if an airline cancels your flight, causing you to arrive in Indonesia a day later than planned, your insurance company may reimburse you for the money you spent on meals and toiletries related to the delay.

Trip interruption insurance

Sometimes you depart on time and have to end your trip early due to unforeseen circumstances. This is why you need trip interruption insurance. This type of coverage reimburses you for expenses associated with a covered event. Imagine that you’re hiking through the Indonesian wilderness. Suddenly, you fall from a great height, breaking both legs. You won’t be able to continue your trip as planned, the perfect time to use your trip interruption benefits.

Your insurance company may also cover your repatriation costs, which are the costs associated with returning to your home country. For example, if you have to change your flight, a last-minute ticket may cost $500 or $1,000 more than you already spent. Trip interruption insurance covers these expenses.

Travel medical insurance

U.S. health insurance generally doesn’t cover medical emergencies that occur overseas. Travel medical insurance covers expenses arising from unexpected illness and injuries, ensuring that you don’t leave Bali with a huge hospital bill. For example, if you get into a motorbike accident, you may have to spend several days in a medical facility. Travel insurance will cover your room and board, nursing care, lab tests, X-rays and other healthcare services.

Medical evacuation insurance

Some areas of Indonesia are rather remote. If you’re exploring some of Bali’s hidden caves, for example, there’s a chance you’ll fall and injure yourself. Unfortunately, the closest hospital may be 50 miles away. Medical evacuation insurance covers the cost of transporting you to the nearest medical facility equipped to treat you.

Insurance for personal items

Personal item coverage, also known as baggage and personal effects insurance, protects you in the event your personal items are stolen or damaged while you’re traveling. For example, if an airline employee damages your camera, you may be able to get reimbursed by your insurance provider.

Rental car coverage

Rental car coverage protects you any time you’re using a covered vehicle. Due to poor lighting, Bali’s streets are rather difficult to navigate at night. You may also encounter drivers who refuse to follow local traffic laws.

If you’re in an accident, or if someone vandalizes or steals your rental vehicle, your insurance company will reimburse the rental car agency. The reimbursement is usually limited to the cost of repairs or the value of the vehicle. Note that your travel insurance policy may exclude some vehicle makes and models.

What isn’t covered by travel insurance for Bali?

Standard travel insurance doesn’t cover the following:

How much does travel insurance for Bali cost?

Based on our research, the cheapest travel insurance for Bali costs just under $1 per day for basic coverage. Alternatively, we found that a more comprehensive policy will cost around $7 to $11 per day.

To help give you a better idea of how much travel insurance costs for Bali, used our online comparison tool to get quotes from different providers.

We applied this information to our quotes:

The table below shows quotes for basic travel insurance from four different providers. These plans range from less than $1 per day to $6 per day.

Example Where Plan Doesn’t Reimburse the Full Trip Cost

Provider Plan Name Plan Cost Cancellation / Interruption Limits Medical / Medevac Limits
Tin Leg Standard $5 $0 / $0 $30k / $200k
Trawick International Safe Travels Explorer $26 $0 / $0 $50k / $200k
Seven Corners Trip Protection Basic $25 $0 / $1k $100k / $250k
AXA Assistance USA Silver $42 $0 / $500 $25k / $100k

The next table shows quotes from the same four providers. However, these plans are more comprehensive. They include trip cancellation and trip interruption coverage. We found these plans cost between $7 and $11 per day.

Example Where Plan Does Reimburse the Full Trip Cost

Provider Plan Name Plan Cost Cancellation / Interruption Limits Medical / Medevac Limits
Tin Leg Standard $49 $2k / $3k $30k / $200k
Trawick International Safe Travels Explorer $61 $2k / $2k $50k / $200k
Seven Corners Trip Protection Basic $75 $2k / $2k $100k / $250k
AXA Assistance USA Silver $69 $2k / $2k $25k / $100k

Keep in mind that several factors affect the cost of Bali travel insurance, including:

Tips for getting the best Bali travel insurance

To get the best travel insurance for your needs, consider the following factors:

1

Transportation method.

If you plan to stay at a resort all week, you may not need to pay for rental car coverage. However, you may need extra insurance if your trip includes multiple common carriers.

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2

Travel preferences.

If you love to climb mountains, explore caves and hike difficult trails, you’ll probably need more insurance than someone who plans to lounge on the beach for their entire vacation.

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3

Date of purchase.

Travel insurance typically costs more if you wait until the last minute to purchase it. To save money, consider purchasing a policy as soon as you finalize your plans.

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Passport and Plane Ticket

FAQ: Bali travel insurance

Is travel insurance mandatory for Indonesia in 2024?

No. You’re not required to purchase travel insurance before you travel to Indonesia.

What documents are required for Bali travel?

To travel to Bali and other parts of Indonesia, you must have a valid U.S. passport and a visa.

Does Bali require COVID insurance?

No. Bali ended the last of its COVID-related restrictions in mid-2023. However, it is still a good idea to make sure you purchase travel insurance with covid coverage.

Leigh Morgan
Leigh Morgan Personal Finance

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last 5 years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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