Travel Insurance for Bali

Insure yourself in this popular Indonesian island paradise

Bali is a popular overseas destination for Australians – it’s beautiful, close to home, and can be budget friendly. This island paradise caters for a variety of holiday styles. Choose your tempo – surf, sand and sun at Seminyak or unearth your inner bliss at a rainforest retreat in Ubud.

But as with every destination, there are risks when travelling in Bali. This is where a travel insurance policy may come in handy. Before you leave home, consider the benefits of Allianz Travel Insurance that is designed to cover you for overseas emergency assistance. See the Product Disclosure Statement (PDS) for all terms, conditions, exclusions, limits and applicable sub-limits that may apply.

COVID-19 benefits
We offer travel insurance options that include COVID-19 benefits for things like trip cancellation and overseas medical and hospital expenses if you contract COVID-191 during your period of cover.
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Join over 4 million customers who choose Allianz Australia
This is a limited summary of some of our Travel Insurance plans only. Terms, conditions, exclusions, limits and applicable sub-limits apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS).
Our plan for just the essentials for a single return overseas trip
  • Overseas Emergency Assistance2
  • Overseas Medical & Hospital Expenses2
  • Personal Liability2
Our highest level of cover for a single return trip outside of Australia2
  • Overseas emergency assistance, medical and hospital expenses2
  • Unexpected trip cancellation2
  • Loss of or damage to luggage and personal effects2
Designed for those who travel often2
  • Overseas emergency assistance, medical and hospital expenses2
  • Unexpected trip cancellation2
  • Loss of or damage to luggage and personal effects2
Some key things to consider to stay safe and healthy on your travels.

Theft and petty crime are common in Bali. Keep your valuables on your body and stay alert, especially in crowded areas and at night.

There’s also the possibility of volcanic eruptions and tsunamis, as well as other natural events. Refer to Smartraveller for current travel alerts affecting Bali before you buy a policy, before you leave Australia, and during your travels.

Health risks in Bali can include diseases such as malaria, dengue fever, Japanese encephalitis and rabies. You may wish to consult with a travel doctor or clinic before travelling to understand any options for preventative measures.

Some medications are illegal in Indonesia, and harsh penalties can apply even if you have a valid prescription. Make sure your medication is legal before you arrive.

You may need to be evacuated for treatment elsewhere if you become seriously ill or injured. Being uninsured may mean you have to arrange payment for your evacuation before you can be treated.

Bali is world-famous for its surfing, with thousands of tourists flocking to the legendary beach breaks and reefs each year.

Allianz Comprehensive Travel Insurance is designed to cover activities like surfing and snorkelling. If you plan on getting more adventurous with activities like abseiling or riding a motorcycle, consider buying an Adventure Pack as an optional add-on.2,3

Read the PDS for a full list of sports and activities automatically included in the Comprehensive or Multi-Trip plans, as well as what additional activities the Adventure Pack is designed to cover.

Riding motorcycles, motorised scooters and mopeds aren’t activities covered under a Comprehensive, Basic or Multi-Trip plan. 

If you plan to ride motorcycles, mopeds, motorised scooters or quad bikes as either the driver or pillion passenger in Bali, you might want to consider buying an Adventure Pack for an additional premium, which is an optional add-on for our Comprehensive and Multi-Trip plans.2

The Adventure Pack is designed to cover eligible policy holders while riding on a motorcycle, moped, motorised scooter or quad bike2,3 if you meet the following conditions:

  • You hold the appropriate class of licence (excluding learners licences) in Australia for the vehicle you’re driving, or if your Australian licence isn’t recognised in that country – a licence valid for the country you’re riding in.
  • When you’re riding as a pillion passenger on a motorcycle, moped or motorised scooter, the driver holds a licence valid for that vehicle and for the country it’s being ridden in.
  • You’re the driver of a quad bike and you’re not carrying a pillion passenger. Note that you’re not covered if you ride as a pillion passenger on a quad bike.
  • You wear an appropriate safety helmet at all times.
  • You aren’t racing or riding a motorcycle, moped, motorised scooter or quad bike in a professional capacity.

If you get sick or injured on your trip, depending on the plan you select, travel insurance may help with your medical expenses, as well as the costs of rescheduling your travel arrangements2

An Allianz Basic Travel Insurance policy is designed to cover overseas medical and hospital expenses2, including if you’re positively diagnosed with COVID-191. For coverage that’s designed to include the above, plus events such as accidental death and permanent disability3, consider choosing our Comprehensive Travel Insurance2.

You can compare Allianz Travel Insurance plans to find out which product best suits your needs.

It’s important to understand that our policies have a number of general exclusions such as:

‘Travel alerts and other warnings’ which excludes claims that arise because you didn’t follow an advice or warning that a reasonable person would have been aware of that was either issued by the Australian government (‘Reconsider your need to travel’ alerts or ‘Do not travel’ alerts) or which was published in a reliable mass media source.

Or:

‘Aware of circumstances’ which excludes claims that arise when at the time of buying the insurance, you were aware, or a reasonable person in your circumstances would have been aware, of something that would give rise to you making a claim under the policy.

If you weren’t aware, or a reasonable person wouldn’t have been aware, of a volcanic eruption or ash cloud when you bought your policy and your trip is subsequently delayed or cancelled as a result of an ash cloud, you may be covered2. You must, however, follow government advice.

If there is a travel alert or government advice in effect, or circumstance you were aware of, or a reasonable person would have been aware of, at the time a policy is bought, we may deny your claim as this would be considered a known event for the purpose of the ‘Aware of circumstances’ General Exclusion.

Check Smartraveller for current travel alerts affecting Bali before you buy a policy, before you leave Australia, and during your travels.

Consider the option of buying a Multi-Trip policy, which remains valid for 12 months2. You pay one premium to cover all return trips from Australian that you make in that year. Simply choose each trip destination as well as the trip duration that will cover your longest journey: 15, 30 or 45 days.
Allianz Travel Insurance policies for Bali must be purchased before you begin your journey. Your trip must also start and end in Australia.
  1. Policy terms, conditions, exclusions, limits and applicable sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic.

    However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the PDS to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, exclusions, limits and applicable sub-limits that apply.
  2. Terms, conditions, exclusions, limits and applicable sub-limits apply. Eligibility criteria may also apply. Refer to the PDS for full details.
  3. You won’t have cover under Permanent Disability and Personal Liability benefits for any claims arising from your participation in any of the activities listed under Adventure Pack or your participation in snow sport activities, even if you’ve bought a Snow Pack or an Adventure Pack.
Allianz acknowledges Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands on which we live and work across Australia. We pay our respect to First Nations Elders past and present.


Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.