Travel Insurance for Indonesia

Is Travel Insurance Required for Bali?

Travel insurance is not mandatory for a trip to Bali, but it is strongly recommended. Travel delays, trip interruptions, emergencies, or medical situations can occur prior to or on your trip, making travel insurance a crucial component to consider.

What Can Travel Insurance Cover for Bali?

Whether you are relaxing on its beautiful beaches, exploring its lush rice terraces, walking through Hindu temples, and enjoying its vibrant culture, travel insurance can ensure that your trip is truly stress-free.

There are two types of travel insurance: travel insurance and travel medical insurance.

Travel Insurance

Travel insurance for Bali can provide crucial coverage for trip-related costs like flights, hotels, excursions, and other trip expenses. Travel insurance does also offer medical coverage, and is recommended for U.S. citizens traveling to Bali. Travel insurance can cover:

• Trip Delay: If your flight to Bali is delayed, travel insurance includes a trip delay benefit, which can reimburse your prepaid costs while also offering coverage for any meals or accommodations that you may need while you wait.
• Trip Interruption: If you must cut your trip short due to an emergency, travel insurance also includes a trip interruption benefit that can offer reimbursement for your unused trip expenses, as well as your flight back home.
• Trip Cancellation: Your prepaid, non-refundable costs in Bali can be reimbursed through travel insurance’s trip cancellation benefit if you must to cancel your trip for a covered reason.
• Accident and Sickness: If you become injured or ill in Bali and require medical treatment, travel insurance can cover situations like ER visits, ambulances, and more.
• Emergency Medical Evacuation: If you need to be medically evacuated in Bali, travel insurance can cover this. Medical evacuation coverage can offer coverage for the cost of transportation to the closest medical facility, or back to your home country if needed.
• Lost Baggage: Bali is generally safe, though petty crime can still occur in busier, tourist hotspots in the country. If your bags are lost or stolen due to pickpockets in Bali, travel insurance can reimburse the cost of your items.

Best Travel Insurance for U.S. Travelers to Bali

Best Travel Insurance with Strong Medical and Evacuation Coverage: iTravelInsured Travel LX
Best Affordable Travel Insurance for Bali: Trip Protection Basic
Best Travel Insurance with Pre-Existing Condition Waiver: Pathway Premium

Travel Medical Insurance

Travel medical insurance for Bali is designed to cover health-related issues that may arise during your trip. For travelers outside the U.S., these plans are strongly recommended and should include at least $100,000 in medical expense coverage and $250,000 for medical evacuation. Travel medical insurance may cover:

• Emergency Medical Evacuation/Repatriation: Travel medical insurance can offer coverage for emergency medical evacuation and repatriation, and can cover the cost of transportation to the nearest medical facility, or back home if medically necessary.
• Prescribed Medication: If a doctor prescribes you medication in Bali due to an illness or injury, travel medical insurance can cover these costs.
• Repatriation of Remains: Travel medical insurance can cover the costs for your return home for further medical treatment or, in the most serious case, the return of remains.
• Hospitalization: If you must be hospitalized during your trip to Bali, travel medical insurance can cover emergency room visits, medications, doctor consultations, surgeries. etc.

How Much Does Travel Insurance for Bali Cost?

Travel Insurance

Quoted for a 14-day trip, $3,000 in trip costs insured per person. Averages calculated across 13 plans on VisitorsCoverage.

Travel Medical Insurance

Quoted for a 14-day trip, with a $250 deductible, with the minimum of $50,000 in coverage. Averages calculated across 6 plans on VisitorsCoverage.

While travel medical insurance is not as expensive as travel insurance, travel medical insurance’s main purpose is to cover medical situations or emergencies. Travel insurance, on the other hand, covers trip-related situations, like trip delays, cancellations, baggage loss, and more.

Though many travelers select the standard $50,000 in medical coverage, it is highly recommended to purchase a plan offering a minimum of $100,000 in coverage.

Why Should Travelers Buy Travel Insurance for Bali?

Here are a few examples to keep in mind when it comes to purchasing travel insurance for a trip to Bali:

Cost of Emergency Medical Evacuation

With Bali being an island, medical facilities are usually limited, and may not be able to accommodate you for extreme injuries or illnesses. For this reason, you may require emergency medical evacuation, which can be quite costly abroad. Travel insurance can cover the expenses for transportation to a proper medical facility, or back home if you require further treatment. Standard domestic health insurance will also not cover you while abroad, making travel insurance crucial.

Volcanic Eruptions or Natural Disasters

Bali is located on the Pacific Ring of Fire, and is home to active volcanoes like Mount Agung and Mount Batur. If a volcanic eruption causes flight delays, interruptions, or cancellations, travel insurance can reimburse your pre-paid, non-refundable costs, like hotels or activities.

It is important to note that the volcanic eruption, or any other weather condition, must be unforeseen (meaning not already announced) prior to you planning your trip to receive coverage.

Tropical Illness or Bali Belly

‘Bali Belly’ is one of the most common health issues that travelers to Bali can suffer from, and is essentially severe food poisoning from contaminated water or food. If you suffer from this illness you will likely require a clinic visit for IV fluids and antibiotics, which travel insurance can cover.

Scooter Accidents

Scooter accidents are one of the most common and dangerous travel risks in Bali. While these accidents affect locals and tourists similarly, foreign visitors are frequently involved, often due inexperience, lack of helmets, alcohol use, and unfamiliar road conditions. If you plan to rent a scooter, always wear a helmet, carry a valid motorcycle license, and make sure your travel insurance policy specifically covers scooter-related incidents.

What Are the Requirements for Traveling to Bali in 2026?

Passport Requirements:

When traveling to Bali, you must have a passport that is valid for 6 months from your date of arrival in the country. You must also have at least one to two blank pages for visa stamps.

Visa Requirements:

Depending on your nationality, you may either qualify for visa-free entry for Bali or need to get a Visa on Arrival (VOA) or e-VOA before you travel.

You can apply for an Electronic Visa on Arrival (e-VOA) via the official Indonesian government immigration portal prior to your trip to Bali. It costs around IDR 500,000 (about $30 – $35 USD) and is valid for 30 days.

While travelers from the US, UK, India, China, and Russia require a visa for Bali, travelers from Singapore, Malaysia, Thailand, Vietnam, and the Philippines can enter visa-free for 30 days.

All Indonesia Arrival Card:

The All Indonesia Arrival Card combines your arrival details, health information, and customs declarations. Once the form for the card is completed, it creates a QR code that can then be scanned by customs officers before you exit the airport. You must complete the online All Indonesia Digital Arrival Form within 72 hours before your arrival.

What To Know Before Your Trip to Bali

Here are some things to keep in mind prior to your trip to Bali:

• Money: 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. 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.
• 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.
• Crime: 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.
• Public 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.
• 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.
• Nature: 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. 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.

Final Pre-Check Before Your Trip to Bali

Before your depart on your trip to Bali, take a look at the checklist below to ensure that you have everything you need:

• Passport valid for 6 months from your date of arrival in Bali
• Visa for entry if you require a visa
• All Indonesia Arrival Card
• Proof of accommodations, flight bookings, return tickets, and sufficient funds
• Travel insurance with adventure sports add-on for high-risk activities
• Credit card and some cash on hand
• All required medications

Travel Resources for Bali

For more information, advisories, and support, visit US Embassy Bali.

US Embassy Bali

Address:
Jimbaran HUB
Jl. Karang Mas, Jimbaran, Kec. Kuta Sel., Kabupaten
Badung, Bali 80361

Official Government Resources for Bali

Frequently Asked Questions About Traveling to Bali