Bali Travel Insurance Guide

Find the best travel insurance for Bali for the ultimate worry-free beach vacation.

Best Travel Insurance: TIQ Travel Insurance | MSIG TravelEasy | Allianz Travel Insurance | Ergo TravelProtect | Singlife Travel Insurance | Sompo Travel Insurance | Tokio Marine Travel Insurance | Allied World Travel Insurance | Starr Travel Insurance | FWD Travel Insurance | AIG Travel Guard

If you’re heading to Bali for its endless things to do, it’s best to stay prepared with the best Bali travel insurance plans for Bali to safeguard you against any travel mishaps. Else, even if you’re travelling to Batam for its glorious seafood and shopping or Bintan for its luxury beachfront views and water sports, these travel insurance plans will come in handy as well!

Whether you're an adventure enthusiast seeking the thrill of white water rafting, a nature enthusiast embarking on hikes to Mount Batur, or a beach enthusiast unwinding with cocktails on a daybed, it's important to secure travel insurance for your Bali trip with the right coverage to protect yourself from any unforeseen setbacks.

Here, we present the best travel insurance plans tailored for your ideal Bali getaway, providing comprehensive coverage for COVID-19, flight cancellations, luggage mishaps, and even adventurous activities such as water rafting and trekking.

Table of contents:

• Best White Water Rafting Travel Insurance Plans for Travelling to Bali from Singapore
• Best value-for-money: FWD Travel Insurance
• Best for comprehensive coverage: Singlife Travel Insurance
• Best for COVID-19 coverage and adventure sports equipment cover: TIQ Travel Insurance
• Comparing Bali Travel Insurance Plans
• The Best Travel Insurance Plans for Bali
• Comparing Bali Travel Insurance Coverage
• Selecting the Ideal Travel Insurance Plan for Your Bali Adventure
• Essential Safety Tips for Travelling in Bali
• FAQs

Best White Water Rafting Travel Insurance Plans for Travelling to Bali from Singapore

Figures based on a 5-day trip to Indonesia

Why You Need Travel Health Insurance for White Water Rafting in Bali

White water rafting in Bali offers an exhilarating adventure amidst the island's stunning natural scenery. However, like any extreme sport, it comes with its share of risks. From navigating through turbulent rapids to sudden changes in weather, several factors can turn an exciting trip into a dangerous ordeal. To ensure your safety and peace of mind, it's crucial to secure comprehensive Bali travel insurance that covers white water rafting.

Potential Risks of Water Rafting

Here are some of the potential risks that can occur while white water rafting: 

Boat Flipping Over: One of the most common dangers is the raft flipping over, which can lead to injuries or even drowning if participants are not properly equipped or trained.

Loss or Damage of Equipment: Faulty or poorly maintained equipment, such as paddles, life jackets, or the raft itself, can result in dangerous situations, especially in fast-moving water.

Unqualified Guides: The qualifications and experience of your guide play a critical role in ensuring your safety. Less qualified guides might not have the necessary skills to navigate difficult rapids or handle emergencies.

Weather Conditions: Rafting during or after heavy rain can significantly increase the risk of accidents due to higher water levels and stronger currents.

Notable White Water Rafting Incidents

Recent incidents highlight the importance of travel insurance with proper adventure sport coverage when rafting in Bali.

According to an article by Al Jazeera published in July 2023, safety issues and a lack of proper regulation in Bali’s rafting scene are under intense scrutiny following a series of tourists deaths since November 2021. 

The San Diego Union Tribune also published a news article on an American man who went missing after falling from a raft in a Bali river in October 2022. Despite extensive search efforts, he remains unaccounted for. 

Both these incidents are a stark reminder of the risks involved in white water rafting. The right travel insurance for Bali will ensure you are covered in case of emergencies during your trip, giving you financial protection and peace of mind.

Best value-for-money: FWD Travel Insurance

If you subscribe to the belief that "having some coverage is better than having none" and prioritise affordability, FWD Travel Insurance could be an excellent choice for you. Their plans kick off at just S$25.20 for a 5-day trip to Bali, making them the cheapest travel insurance option available. 

However, when it comes to comparing the extent of coverage, it doesn't fall short. They provide substantial overseas medical coverage, allowing claims of up to S$1,000,000. Additionally, their Bali insurance coverage for trip cancellation is quite generous, offering up to S$15,000 in protection.

The only drawback is that the travel insurance plan doesn't include COVID-19 coverage as a standard feature, but you can opt for an add-on rider at an additional cost of S$10 (for a 5-day trip to Bali). This rider offers coverage of up to S$200,000 for medical expenses related to COVID-19, a daily overseas quarantine allowance of S$50 for a maximum of 14 days, and trip disruption coverage of up to S$5,000.

Beyond its cost-effectiveness, FWD Travel Insurance boasts a hassle-free claims system and efficient customer service. You can easily submit your claims via the FWD SG App and seek assistance if needed.

Also, FWD just added coverage for trip cancellation, postponement or curtailment for any reason, up to S$6,000. This is only applicable if you purchase the add-on within 7 days from the initial trip deposit for your trip.

SingSaver's Exclusive FWD Promotion: 

Use the promo code TRAVEL25 to get a 25% discount on Single Trip and Annual Trip plans! Valid till 19 May 2024. T&Cs apply. Also receive:

• 4 miles per S$1 spend on your premium. Valid till 1 July 2024. Travel Miles Campaign and Additional 2 Miles Travel Giveaway. T&Cs apply.
• A chance to win up to 500,000 KrisFlyer miles. Valid till 1 July 8:59 am 2024. T&Cs apply.
• Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. T&Cs apply.

Best for comprehensive coverage: Singlife Travel Insurance

For those seeking the most comprehensive travel insurance package for their Bali trip, Singlife offers an exceptional all-encompassing policy that provides extensive coverage, even for unique scenarios such as the loss of bridal accessories, inclement weather conditions, and trip cancellations for any reason.

With Singlife's Travel Prestige plan, you can benefit from an impressive feature that includes unlimited coverage for medical expenses, a rarity among insurers. Making it one of the go-to travel insurance plans if you are looking for comprehensive health coverage during your travels in Bali.

Their coverage for travel cancellations extends up to S$15,000, while trip cancellation for any reason is capped at S$5,000 for Travel Plus and Travel Prestige Plans. This means you have the flexibility to cancel your plans due to conflicting events, changes in your itinerary, or simply a change of heart. However, the caveat is you have to purchase your travel insurance plan within seven days of booking your flights or hotels in Bali to qualify for a claim.

Singlife also provides a unique benefit of rainfall coverage, offering compensation of up to S$150 in the event of rainfall exceeding 6.4mm within a 24-hour period, should it disrupt your travel plans. Furthermore, their coverage extends to adventurous activities like white-water rafting, jet skiing, and kayaking, making it an ideal choice for those seeking overseas sports adventures.

Notably, this plan includes COVID-19 coverage, providing up to S$200,000 for overseas medical expenses.

Singlife Travel Insurance Promotion:

Single Trip: Enjoy a 28% discount when you use the promo code FLY28 for Single Trip. Valid till 22 May 2024. T&Cs apply.

Annual Trip: Use promo code ANNUAL25 to get 25% off Annual Trip plans when you buy now. Valid till 31 May 2024. T&Cs apply. Also receive:

• 4 miles per S$1 spend on your premium. Valid till 1 July 2024. Travel Miles Campaign and Additional 2 Miles Travel Giveaway. T&Cs apply.
• A chance to win up to 500,000 KrisFlyer miles. Valid till 1 July 8:59 am 2024. T&Cs apply.
• Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. T&Cs apply.

Best for COVID-19 coverage and adventure sports equipment cover: TIQ Travel Insurance

TIQ offers an ideal travel insurance plan for Bali with its extensive coverage for COVID-19 and its inclusion of adventure sports protection. You can enjoy a peace of mind with COVID-19 coverage that extends up to S$500,000 for medical expenses related to the virus, ensuring you are well-protected in case you contract it during your trip or even before. 

Additionally, TIQ offers insurance coverage of up to $5,000 for non-refundable expenses if you need to cancel or postpone your Bali trip within 14 days of your departure date.

It's important to note that COVID-19 coverage is available as an add-on, starting at S$14 (for a 5-day trip to Indonesia). However, considering the substantial coverage it provides, the additional cost is well justified.

For travellers planning adventurous activities, TIQ has you covered. They offer an optional sports equipment cover that provides protection for equipment such as golf clubs, diving gear, fishing equipment, bicycles, ski gear, snowboards, and climbing equipment, with coverage extending up to S$4,000.

SingSaver's Exclusive TIQ Travel Insurance Promotion: 

Single Trip: Use the promo code TIQSINGSAVER to get 45% off. Valid till 22 May 2024.

Annual Trip: Use the promo code TIQSINGSAVER to get 60% off your COVID-19 rider. Valid till 31 May 2024.

Also receive a Complimentary lounge access during flight delays. Valid till 1 July 2024 8:59 am. T&Cs apply.

Key in the promo code under the coupon code section on the next page after selecting your destination and dates. The prices shown are before discounts.

Receive coverage for trip cancellations, medical expenses, and more when you purchase the COVID-19 Rider. T&Cs apply.

See also:
Best Covid-19 Travel Insurance Plans (2023)
Is Travel Insurance With COVID-19 Coverage Still Necessary?

Comparing Bali Travel Insurance Plans

Figures based on a 5-day trip to Indonesia

The best Bali travel insurance is one that provides solid coverage for the activities you are planning to do on your trip. Singlife provides the best all-round coverage, while FWD is ideal for those looking for the cheapest travel insurance to Bali. For those planning a holiday full of adventurous activities like white rafting rafting or ATVs, consider purchasing a travel insurance plan from TIQ.

The Best Travel Insurance Plans for Bali

FWD Premium

Despite its affordable price, FWD Premium travel insurance plan offers comprehensive coverage for your Bali trip. This plan ensures you are well-protected without breaking the bank. However, it is lacking in cover for adventure sports coverage unless you purchase the higher tier FWD First. 

• Overseas medical expenses coverage: Up to S$200,000
• Overseas hospitalisation coverage: Up to S$200,000 with S$5,000 allowance
• Local medical expenses coverage: Up to S$6,000 for medical, surgical or hospital charges in Singapore for illness or injury incurred overseas
• Trip cancellation: Up to S$7,500 coverage.
• Loss of baggage: Coverage up to S$3,000.
• COVID-19 medical expenses coverage: Available as an add-on offering up to S$200,000 coverage for medical expenses

Singlife Travel Lite

Singlife Travel Lite provides excellent coverage for travellers looking for a well-balanced travel insurance plan for their Bali trip. It offers great coverage at a competitive price:

• Overseas medical expenses coverage: Up to S$250,000
• Overseas hospitalisation coverage: Up to S$250,000 with S$5,000 allowance
• Local medical expenses coverage: Up to S$6,000 for medical, surgical or hospital charges in Singapore for illness or injury incurred overseas
• Trip cancellation: Up to S$5,000 coverage.
• Loss of baggage: Up to S$3,000 coverage.
• COVID-19 medical expenses coverage: Up to S$50,000 coverage.

MSIG Standard Plan

The MSIG Standard Plan is the perfect travel insurance for families and large groups travelling to Bali, offering robust general coverage for all types of needs and scenarios.

• Overseas medical expenses coverage: Up to S$250,000
• Overseas hospitalisation coverage: Up to S$250,000 with S$20,000 allowance 
• Local medical expenses coverage: Up to S$200 for TCM expenses, S$5,000 for emergency dental expenses and up to S$500 for local Singapore hospitalisation allowance
• Trip cancellation: Up to S$5,000
• Loss of baggage: Coverage up to S$3,000
• COVID-19 coverage: Up to S$75,000

Comparing Bali Travel Insurance Coverage

Figures based on a 5-day trip to Indonesia

Important travel insurance coverage for Bali

Not sure what type of coverage you need for your Bali trip? Here’s what your travel insurance plan to Bali should include:

Medical expenses (water sports and adventurous activities)

Ensuring you have medical expense coverage is essential regardless of your travel destination, not limited to Bali alone. However, it's crucial to confirm that your insurance coverage extends to the activities you plan to engage in, such as water sports, winter sports, and adventurous pursuits like kayaking, white-water rafting, ATV rides, jet skiing, and more.

If you're visiting Bali, there's a good chance you and your fellow travellers, if you're adventure enthusiasts, may partake in one or more of these activities, whether it's hiking up Mt. Batur, enjoying water rafting, or trying out an ATV or quad bike.

That's why it's imperative to thoroughly review the details of your travel insurance plan, as some insurers may explicitly exclude coverage for these adventurous sports. Fortunately, many policies do include such coverage.

Additionally, certain travel insurance plans may even provide coverage for sports equipment, such as bicycles, golf clubs, skis, and more. This can be particularly valuable for travellers bringing their own expensive equipment to Bali.

Loss of belongings

Depending on your destination within Bali, some areas are notorious for high pickpocketing rates, and it's always wiser to prioritise caution. Whether you fall victim to pickpocketing, accidentally misplace your valuables, or experience damage to them, obtaining comprehensive travel insurance coverage for your lost belongings is of utmost importance, as it can offer you a peace of mind.

This is particularly crucial for individuals carrying laptops for work or cameras and equipment for professional photography, as travel insurance plans often extend coverage to these items.

Are you contemplating a pre-wedding photoshoot in Bali? There's no need for concern, as certain travel insurance plans also include protection for the loss of bridal attire, accessories, and even your precious wedding album!

See also:
The Best Travel Insurance For Your Phones
The Best Travel Insurance For Your Laptops
The Best Travel Insurance for Your Camera Equipment

COVID-19 medical expenses

While much of the world is adjusting to coexisting with COVID-19, it remains prudent to secure a travel insurance plan with COVID coverage for this virus, especially in regions where it continues to be a concern.

By choosing a Bali travel insurance plan with COVID-19 coverage, you can postpone or cancel your trip should you or your travel companion contract COVID-19 before your departure. Additionally, you'll have the means to acquire over-the-counter medications or seek treatment at a clinic if you fall ill with COVID-19 during your journey.

In the event that you experience severe illness due to COVID-19 or encounter medical complications arising from the virus, certain travel insurance policies can provide coverage for your hospitalisation and even extend hospital benefits. In the unfortunate event of a critical situation, some policies also offer the option of emergency evacuation back to Singapore for necessary treatment.

Flight delay or cancellation

I'm sure you're familiar with numerous instances where friends, family members, or even yourself have found themselves stranded at the airport due to unexpected flight delays or cancellations. Regardless of the duration of the delay, spending those precious hours at the airport and having your plans disrupted can be immensely frustrating.

This is precisely why having travel insurance with proper coverage for flight delays or cancellations is crucial, as it allows you to recoup at least some of the expenses incurred during travel disruptions. Typically, insurers provide payouts at intervals of every 4 to 6 hours, up to a certain cap.

This financial support provides you with the means to potentially book a nearby hotel or cover any missed activities resulting from your flight delay, should the need arise.

See also:
10 Most Affordable Holiday Destinations From Singapore
10 Travel Bucket List Experiences To Buy Travel Insurance
Beautiful Places & Beach Destinations in Asia
Why Buying Travel Insurance is Necessary

Selecting the Ideal Travel Insurance Plan for Your Bali Adventure

Not sure how to choose the best Bali travel insurance? To help you find the right plan with the exact coverage for your needs, here are the key things you need to consider: 

1. Evaluate the Coverage Level

Make sure you have adequate travel insurance coverage to stay protected against all kinds of unforeseen circumstances that could affect you on your Bali trip. Compare the benefits and reimbursement limits for standard coverage types such as medical expenses, trip cancellations, flight delays, and loss of belongings. 

2. Check If You Need Coverage for Pre-Existing Conditions

If you have pre-existing medical conditions, finding a travel insurance plan can be challenging as most insurers do not offer coverage for these conditions. Always review the policy thoroughly to ensure that coverage for pre-existing conditions is included. This way, you can be confident that your travel health insurance will cover you during your travels in Bali.

3. Analyse and Compare Policy Premiums

The cost of travel insurance for Bali will vary depending on length of stay. Companies typically offer several tiers of plans at different price points. When in doubt, it can be helpful to use a travel insurance tool like the one from SingSaver to easily compare premium prices at a glance.

4. Check If You Need Sports Activity Coverage

If you’re planning adventurous activities in Bali, such as white water rafting or ATV riding, you’ll need a travel insurance policy that covers these specific activities. Opt for a plan that includes adventure sports coverage to protect yourself so you can fully enjoy yourself on your Bali trip.

5. Consider Coverage for Trip Interruptions and Belongings

Comprehensive coverage for trip interruptions, such as flight delays or cancellations, and loss of belongings ensures you are protected against snatch thefts or other incidents such as airport closures. Make sure your insurance for travel to Bali covers such events so you can recoup some non-refundable costs if it happens to you.

Essential Safety Tips for Travelling in Bali

Staying safe in Bali is key to having a great trip. Follow these essential tips for a secure and enjoyable experience.

1. Smoke only in designated areas: Smoking in non-designated areas can lead to fines and other penalties.
2. Be careful of Bali Belly: Avoid street food and unfiltered water to reduce the risk of stomach infections.
3. Always check for volcanic and earthquake updates: Stay informed about natural disasters by following local news and advisories.
4. Do not engage in unsafe beaches: Some beaches have strong currents and are not safe for swimming; heed local warnings.
5. Be careful around monkeys: Monkeys can be aggressive and may steal your belongings; keep a safe distance.
6. Be respectful of the social culture: Don’t touch someone’s head, avoid pointing fingers, and dress appropriately, especially when visiting temples.
7. Wear a helmet when riding motorbikes: Helmets are mandatory for motorbike riders and can prevent serious injuries.
8. Avoid being alone on the road at night: Stay in groups and avoid poorly lit or deserted areas after dark.
9. Don’t leave your drinks unattended: To avoid the risk of drink spiking, always keep an eye on your beverages.
10. Don’t buy locally-made spirits: These can be dangerous due to potential contamination or improper distillation processes.

FAQs

Must I buy travel insurance when travelling to Bali from Singapore?

It is not mandatory to purchase travel insurance when travelling to Bali, but it’s highly recommended and encouraged to safeguard yourself against any unfortunate circumstances abroad. 

It also gives you a peace of mind knowing that you’re covered for medical expenses, baggage loss, flight delay, trip cancellations, emergency services and even COVID-19 medical expenses.

Are there any travel requirements or restrictions for travelling to Bali?

As of 21 June 2023, Indonesia no longer requires PCR testing or proof of COVID-19 vaccination for entry into Indonesia. 

For more information, head over to the Indonesian Directorate General of Immigration’s website here.

Do I need a visa for entering Bali?

Singaporeans travelling with a Singapore Passport can visit Indonesia for up to 30 days without a visa. 

If you’re planning to stay for more than 30 days, you should apply for the appropriate visa before you depart from Singapore. Visa-free visits cannot be extended beyond the 30 days allotted.

For more information about the type of visa you need, please check the Indonesian Directorate General of Immigration’s website here.

What are CHSE hotels?

CHSE hotels are accommodation options that have met the standards of Cleanliness, Health, Safety, and Environmental Sustainability.

If you’re in Bali, you can choose to stay at CHSE hotels for a more comfortable stay. But if you prefer not to and value affordability, you can select an accommodation of your choice.

However, in July 2023, Bali has recently introduced newer and stricter rules that all tourists have to adhere to. One of them is staying at hotels and villas that are officially recognised and approved by the relevant authorities in Bali.

Staying in accommodations that are unregistered, such as unlicensed Airbnb rentals, guesthouses, or bed and breakfasts, is prohibited. Breaching this rule can result in significant repercussions, as authorities may initiate inquiries and execute raids to ensure adherence to the regulations.

See also: 10 Overseas Accommodation Safety Tips For Solo

Does travel insurance cover volcanic activities?

Most insurance companies include natural disasters in their trip cancellation coverage plans. If a volcanic eruption disrupts your traveller’s destination or causes flight cancellations, you can make a claim. 

This also extends to injury, loss and damage due to natural disasters like volcanic activities.

Be sure to read the policy wording of your travel insurance for more information.

Will I be covered for scooter accidents under travel insurance?

Yes, travel insurance covers any injury sustained as long as the activity you’re participating in isn’t excluded, for example, certain extreme sports that are considered dangerous or against any safety guidelines.

If you’re riding as a pillion for scooters, motorbikes or mopeds and are injured, you can make a travel insurance claim for your medical expenses.

However, if you’re riding a vehicle without a valid licence, chances are you won’t be able to cover for your injuries as providers don’t cover illegal activities.

When is the best time to go to Bali?

The best time to visit Bali is between April and October when the island is experiencing its dry season. Although the weather is ideal for travellers, the island is also subject to humid days throughout the year. 

Since Bali experiences summer all year round, the period to avoid visiting Bali is during the monsoon period, with the wettest months being December and January, when you can expect frequent rainfall.

How much does it cost to go to Bali?

The costs of your trip to Bali really depend on what you’re planning on doing, the accommodations you choose and the restaurants you go to. For a 5-day trip to Bali, you can spend anywhere from S$500 to S$1,200, all expenses included.

If you are on a tight budget, consider taking a budget airline that would cost around S$150 to S$250 for a flight, eat at more warungs instead of restaurants and beach clubs, and choose cheaper accommodation options like hostels or shared villas.

For those who are more willing to spend, taking a full flight, booking an extravagant villa and eating at high-end restaurants, cafes and beach clubs will definitely set you back more. 

Activities like white water rafting, ATV bike rides, Mount Batur sunrise tours will also cost about S$30 to S$100 for each package that you can book on sites like Traveloka and Klook.

Ultimately, it really depends on your lifestyle and the kind of traveller you are.

Is COVID insurance required for Bali?

While COVID insurance is not a mandatory requirement for entering Bali, it is highly recommended. Having COVID-19 coverage in your travel insurance plan can protect you from potential medical expenses, quarantine costs, and trip disruptions related to the virus.

What to do before going to Bali?

Before heading to Bali, make sure to book your accommodations, arrange transportation, and check travel advisories for any updates on health and safety. It's also wise to purchase comprehensive travel insurance, including coverage for medical emergencies and adventure activities. Don't forget to pack appropriate clothing and essentials, and ensure your passport and necessary travel documents are in order.

Do you need cash in Bali?

Yes, having cash in Bali is essential for small purchases, tips, and transactions at local markets or smaller establishments that may not accept credit cards. ATMs are widely available, but it's a good idea to carry some Indonesian Rupiah for convenience.

What to avoid eating in Bali?

To avoid getting Bali Belly, steer clear of street food, uncooked or undercooked dishes, and tap water. Opt for bottled water, and ensure that fruits and vegetables are thoroughly washed or peeled. Be cautious with ice in drinks and choose reputable restaurants for dining.

How many days in Bali is enough?

The ideal length of stay in Bali depends on what you want to experience. A 5-7 day trip is usually sufficient to explore the island's main attractions, such as beaches, temples, and cultural sites. However, if you want to fully immerse yourself in Bali's beauty and activities, consider staying for 10-14 days. No matter your length of stay, ensure you have proper travel insurance to cover you for the duration of your trip.

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