Welcome
to Bali!
Bali is a breathtaking tropical paradise. A province of Indonesia and the westernmost part of the Lesser Sunda Islands, Bali is home to sun-drenched beaches, terraced rice paddies and sacred Hindu temples. This Indonesian island draws travelers from every corner of the globe. Whether you're here to relax, explore, or immerse yourself in Balinese culture, the island promises memories that last a lifetime.
Sometimes, even in paradise, plans can go awry. That's where international travel insurance comes in. A solid insurance policy can protect you from unexpected disruptions such as overseas emergency medical care, trip cancellations, or natural disasters. It's not just about peace of mind, but it's about being prepared, so you can focus on enjoying your trip without second-guessing every step.
Do You Need a Visa to Visit Bali?
Yes. Most travelers need a visa to enter Bali, but the process is very straightforward and the visa is easy to obtain. Depending on your nationality, you may either qualify for visa-free entry or need to get a Visa on Arrival (VOA) or e-VOA before you travel. Ensure your passport is valid for at least six months beyond your planned departure date to avoid entry issues.
Visa for U.S. Passport holders
If you're a U.S. passport holder, you do need a visa to visit Bali, but it's a Visa on Arrival, which is:
- Available at Ngurah Rai International Airport (Denpasar)
- Costs approx. IDR 500,000 (~$35 USD)
- Valid for 30 days and extendable once for another 30 days
- Can also be applied for online before you arrive via the official Indonesian site
Those planning to stay longer than 30 days or visit for non-tourist purposes may need to apply for a different type of visa in advance.
Countries That Do Not Need a Visa (Visa-Free for 30 Days)
Citizens of these countries can enter Bali for up to 30 days without a visa for tourism purposes:
- Singapore
- Malaysia
- Thailand
- Vietnam
- Philippines
Visa-free entry is not extendable and strictly for tourism.
Countries That Need a Visa to Enter Bali (VOA or e-VOA)
Travelers from these countries must obtain a Visa on Arrival or apply online before their trip:
- United States
- United Kingdom
- India
- China
- Russia
These travelers are eligible for the VOA (Visa on Arrival) or can use Indonesia's e-VOA system to apply in advance for a smoother airport experience.
Note: A Bali tourist tax of approximately $10 USD per person applies and should be included in your travel budget.
Travel Insurance Requirements for Bali
Travel insurance is not a mandatory requirement to enter Bali, but it is one of the smartest and responsible choices you can make before traveling.
Healthcare quality varies across the island; tourist-friendly areas like Ubud and Kuta offer excellent medical services, while more remote regions may have limited access.
A comprehensive Bali travel insurance policy that includes medical coverage, hospitalization, and emergency evacuation empowers you to explore with complete confidence, knowing you're prepared for any situation.
What Kind of Travel Insurance Should I Get for Bali?
Travel insurance for Bali protects you from unexpected medical costs and travel disruptions. When planning a trip to Bali, you'll typically choose between two main types of travel insurance:
Let's take a deeper look at each type of insurance, so you can ascertain for yourself, which one is suitable for your needs.
1. Travel Medical Insurance
Bali has modern medical facilities in tourist hubs like Kuta, Seminyak, and Ubud, but access to quality care in remote areas may be limited. Without travel medical insurance, emergency care or medical evacuation could lead to significant out-of-pocket costs.
A comprehensive Bali travel medical insurance policy typically includes:
- Emergency Medical Coverage: Covers costs for unexpected illnesses or injuries while traveling, including common issues like, food sensitivities, or accidents.
- Emergency Medical Evacuation: If advanced care is needed and isn't available locally, this covers transport to a better-equipped facility or in some cases, even repatriation to your home country.
- Hospital Expenses: Covers hospital stays and doctor visits so that medical costs don't prevent you from getting proper treatment.
- Acute Onset of Pre-existing Conditions: Many policies offer limited coverage if a pre-existing condition suddenly flares up and requires immediate treatment for stabilizing the condition.
Trivia: "Bali belly," commonly known as traveler's diarrhea, is often caused by consuming contaminated food or water. It's one of the most common health issues affecting tourists in Bali.
2. Trip Insurance
Trip insurance helps protect the money you've invested in your vacation. It provides coverage for unexpected events that might disrupt your travel plans or result in financial loss.
Trip insurance for Bali typically includes:
- Trip Cancellation: Reimburses non-refundable trip expenses if you cancel your trip for a covered reason, such as illness, injury, or a family emergency.
- Trip Interruption: Covers costs if your trip is cut short due to unforeseen events like natural disasters, medical emergencies, or flight disruptions.
- Rental Vehicle Coverage: Offers protection against damage or theft of a rented vehicle, which is especially useful if you plan to rent a scooter or car in Bali.
- Petty Theft: Covers stolen personal belongings, including luggage, electronics, or valuables—common concerns in busy tourist areas.
- Cancel For Any Reason (CFAR): Optional add-on coverage that lets you cancel your trip for almost any reason and receive partial reimbursement of non-refundable costs.
Travel insurance for Bali is often affordable and a worthwhile investment. Whether you're relaxing on the beach or exploring the island's cultural treasures, the right coverage lets you enjoy your trip without worrying about the unexpected.
Choosing the right Bali travel insurance plan can be challenging. If you have questions or need help finding the best coverage, the VisitorsCoverage customer success team is here to help.
How Much Does Travel Insurance for Bali Cost?
The cost of travel insurance for Bali can vary depending on several important factors:
- Trip duration: Longer trips usually have higher premiums.
- Traveler's age: Senior travelers often pay more due to increased health risks.
- Coverage limits: Higher limits for medical expenses or trip costs can raise the price.
- Type of coverage: A comprehensive plan with emergency medical, trip cancellation, and evacuation will cost more than a basic policy.
- Insurance provider: Pricing varies between companies and policies, so it is important to compare options before purchasing.
For travel medical insurance, the premium is influenced by the traveler's age, the number of days covered, and the level of coverage selected. Other factors, such as the cost of healthcare in Bali or the inclusion of emergency evacuation, may also impact the price.
For trip insurance, your total trip cost is one of the main pricing factors. In addition, the age of the insured, the duration of travel, and optional benefits such as Cancel For Any Reason (CFAR) affect the overall premium.
To get an accurate estimate, you can generate a personalized quote using our free online tool. Comparing travel medical and trip insurance plans side by side can help you find the best value and ensure you're fully protected during your trip to Bali.
Frequently Asked Questions About Bali Travel Insurance
Do I need health insurance to travel to Bali?
Health insurance is not a mandatory requirement to enter Bali, but travel insurance is highly recommended. It helps protect you from unexpected medical costs. Without insurance, even a minor incident could become expensive.
Can I purchase travel insurance after arriving in Bali?
It's best to buy a Bali travel insurance policy before you depart from your home country. Most travel insurance policies do not cover incidents that happen before the policy is activated, so purchasing travel insurance cover in advance ensures you're protected from the moment your trip begins.
How do I purchase travel insurance for Bali?
Buying travel insurance for Bali is simple. Platforms like VisitorsCoverage allow you to compare plans and choose the right coverage for your needs. Whether you're focused on medical care, trip cancellations, or emergency evacuations, there are options available to suit your trip.
Does travel insurance cover food poisoning in Bali?
Yes, many travel insurance policies cover treatment for food poisoning, commonly referred to as Bali belly. If you become ill from local food or water, your policy can help cover doctor visits, hospital costs, and medication. Always review your policy details to understand what is included and if any exclusions apply.
Does travel insurance cover loss or theft of belongings in Bali?
Yes, travel insurance can cover lost or stolen belongings, including valuables, electronics, and luggage. Many policies also offer protection for theft from a rental vehicle. To minimize risk, keep your items secure, especially in busy areas and on public transport.
Is it Safe to Travel to Bali?
Bali is generally considered a safe and welcoming destination for travelers. The island has a well-developed tourism infrastructure, with relatively low crime rates and good healthcare services in major towns and cities. However, as with any international travel, it's important to stay aware of your surroundings, especially in crowded areas where petty theft can occur.
Although serious crime is rare, travelers are advised to secure their valuables, avoid leaving bags unattended, and be cautious when using ATMs. Traffic can also be unpredictable, so extra care should be taken when crossing roads or riding scooters. With the right preparation and awareness, Bali can offer a memorable and safe travel experience.
Scooter Accidents in Bali
Scooter accidents are one of the most common and dangerous travel risks in Bali. According to the World Health Organization, over 70% of road deaths in Indonesia involve motorbikes or scooters, highlighting the seriousness of two-wheeled travel. While these accidents affect locals and tourists alike, foreign visitors are frequently involved, often due to factors like inexperience, lack of helmets, alcohol use, and unfamiliar road conditions. Common injuries include road rash, broken bones, head trauma, and joint damage, many of which require hospitalization.
What to Know Before Your Trip to Bali
Before embarking on your Bali trip, these essential insights will help you travel with confidence:
- Currency: The currency used in Bali is the Indonesian Rupiah (IDR). Credit cards are widely accepted in tourist areas such as Denpasar and Ubud, but it's best to carry cash for small purchases or when traveling outside urban centers. ATMs and currency exchange services are common.
- Transportation: Public transport in Bali is limited. Taxis and local buses operate in towns, but most visitors use private drivers, scooters, or rental vehicles. Scooter rentals are popular but come with risks. If renting any vehicle, ensure you have the correct license and insurance.
- Culture: Bali has a predominantly Hindu culture. Visitors should dress modestly when entering temples; covering their shoulders and knees is expected. Sarongs are often provided at temple entrances. Public displays of affection are discouraged, and it's polite to ask before taking photos in religious or private areas.
- Tipping: Tipping is not mandatory, but is appreciated. A 5–10% tip is common in restaurants if service is not already included. Small tips for hotel staff or drivers are also welcome.
- Electricity: Bali uses type C and F plugs with a standard voltage of 230V at 50Hz frequency. Travelers from regions with different plug types should bring appropriate adapters.
- Food and Drink: Tap water in Bali is not safe to drink. Use bottled or filtered water, and avoid ice unless you know it's made from safe sources. Be cautious with street food, especially if you have a sensitive stomach. Choose freshly prepared meals and use hand sanitizer before eating.
Health and Safety in Bali
- Healthcare Facilities: Bali has modern healthcare services in major areas such as Denpasar and Ubud. Private clinics and international hospitals are available in tourist zones, but rural areas may have limited access. Travel insurance plans that cover medical treatment and emergency evacuation are recommended.
- Vaccinations: Routine vaccinations such as tetanus, measles, and hepatitis A and B should be up to date before visiting Bali. If you plan to hike, camp, or visit rural areas, consult a healthcare provider about additional vaccinations or preventive measures.
- Sun Protection: Bali's tropical climate brings high UV exposure throughout the year. Use sunscreen with a high SPF, wear protective clothing, and stay hydrated, especially during the hotter months.
- Insect Protection: Dengue fever is present in Bali and is transmitted by mosquitoes. Use insect repellent with DEET, wear long sleeves and pants in the evening, and sleep in accommodations with mosquito protection.
Road Safety in Bali
When driving in Bali, you should be prepared for varied road conditions, dense traffic, and unfamiliar driving customs, especially in busy towns and rural areas. Here are some road safety tips to keep in mind:
- Road Conditions: Roads in Bali range from well-paved streets in tourist areas to narrow, uneven roads in rural villages. Potholes, poor lighting, and sudden changes in road surfaces are common outside urban centers.
- Driving Habits: Local traffic can appear chaotic to visitors. Motorbikes and scooters dominate the roads, and drivers may not always follow formal traffic rules. Stay alert, drive defensively, and avoid aggressive maneuvers.
- Pedestrian Safety: Be cautious of pedestrians on or near roads, especially in markets and village areas where sidewalks are limited. Pedestrian crossings exist, but are not always respected by drivers.
- Scooter Travel: Scooters are widely used in Bali and often rented by tourists. If you choose to ride, always wear a helmet, hold the appropriate driving license, and ensure your travel insurance covers two-wheeled vehicles. Accidents involving scooters are common, particularly in tourist areas.
- Emergency Services: Know how to reach local emergency services in case of an accident. Bali's general emergency number is 112, and your rental company can provide additional local contacts if needed.
Wildlife and Nature in Bali
Bali features a variety of ecosystems, including tropical forests, rice terraces, coastal areas with crystal clear waters, and mountainous terrain. While the island does not have large or dangerous wildlife, visitors should take care when exploring natural areas.
- Monkeys and Other Wildlife: Bali is home to monkeys, bats, and other small animals. Monkeys, especially in places like the Ubud Monkey Forest, are known to approach tourists and may try to grab food or belongings. Feeding or touching wild animals is not recommended, as they can be unpredictable.
- Insect Precautions: Mosquitoes and ticks are present in forested and rural areas. Travelers should use insect repellent, wear long sleeves and pants when hiking, and check for ticks after outdoor activities. Carrying basic first-aid supplies is advisable in case of bites or minor injuries.
- Guided Nature Tours: Joining guided tours is a safe way to explore Bali's natural areas. Local guides can help visitors understand local ecosystems and avoid damaging wildlife habitats.
- Stray Animals: Stray dogs and cats are common in both urban and rural areas. Most are not aggressive, but contact should be avoided to reduce the risk of bites or infections.
Natural Disasters in Bali
Bali is prone to certain natural hazards. Understanding the risks and being prepared can help you stay safe during your visit.
- Volcanic Activity: Bali is home to active volcanoes, including Mount Agung. Eruptions can disrupt travel and cause ash clouds. Monitor local news and follow official instructions during periods of volcanic activity.
- Earthquakes: Indonesia is in a seismically active zone. Earthquakes can happen without warning. Know basic safety procedures, such as taking cover and moving away from windows during a quake.
- Flooding: Heavy rainfall, especially during the monsoon season (typically November to March), can lead to flash floods and landslides. Avoid driving through flooded roads and check weather forecasts regularly.
- Tsunamis: As an island, Bali is at risk of tsunamis following major offshore earthquakes. Know the location of evacuation routes and follow local alerts issued by authorities or your accommodation.
- Extreme Weather: Tropical storms and heat waves can occur. Stay hydrated, wear sun protection, and follow local weather advisories when planning outdoor activities.
What to Do if You Become Ill or Injured in Bali
In case of a medical emergency or injury while in Bali, the following steps will help guide you to the right resources:
- Seek Medical Help Immediately: In emergencies, dial 112 for immediate assistance. Emergency services are available throughout Bali, with major hospitals providing excellent care, particularly in Denpasar and Ubud. In rural areas, care may be more limited, so seek assistance early.
- Contact Your Insurance Provider: Notify your travel insurance provider as soon as possible. Most insurers offer 24/7 support, which will guide you through medical treatment or evacuation, ensuring your medical expenses are properly covered.
- Keep Receipts: Retain all receipts, hospital bills, and medical records to ensure smooth processing for your insurance claim. If you visit a pharmacy in cities like Denpasar, many have English-speaking staff to assist with medical needs.
Important: Some travel insurance providers require pre-approval for major medical expenses. Review your policy carefully and contact your insurer so that they can provide assistance and approval before seeking treatment for incidents that need their pre-approval, whenever possible.
Travel Resources for Bali
For a smooth and enjoyable experience in Bali, here are several valuable resources to help guide your travels:
- U.S. Consular Agency in Bali: The U.S. Consular Agency in Denpasar, Bali, provides support for U.S. citizens in need of passport services, emergency assistance, and notarial services. You can learn more about consular services at the U.S. State Department's website.
- Official Bali Tourism Website: For all things related to Bali, including travel advice, local events, and attractions, the official tourism website Visit Bali is a great resource. It offers up-to-date information to help you plan your trip effectively.
- Love Bali Website: As part of Bali's sustainable tourism initiatives, the Love Bali website provides details on the mandatory tourist levy and other important regulations aimed at preserving Bali's cultural heritage.
- Bali Tourism Board: For those interested in Bali's tourism industry and related events, the Bali Tourism Board website provides insights into Bali's commitment to sustainability, wellness tourism, and cultural preservation.
- Indonesian Embassy in Washington, D.C.: If you're traveling from the United States and need visa-related services or consular assistance, you can visit the Indonesian Embassy's website for the latest information on visas and other services for U.S. citizens.
Where to Buy Travel Insurance for Bali
Travel insurance can be purchased online through reputable marketplaces such as VisitorsCoverage, where you can compare plans based on your needs. Look for coverage that includes medical care, trip cancellation, and emergency evacuation.
If you're unsure which plan to choose, speaking with a licensed travel insurance advisor from our award-winning customer success team can help you find the right Bali travel insurance policy for your trip.
