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Bali Bound?

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TRAVEL INSURANCE FOR BALI

Whether you're surfing in Kuta or café hopping in Seminyak, your Bali escape should be full of sea, sand and sunshine, not stress! Our Bali travel insurance policy will cover your blissful beach holiday for trip cancellation, lost luggage, family emergencies, rental vehicle excess and more!
What are you waiting for? Zoom to it!
 

WHY BUY WITH ZOOM

Emergency Assistance

emergency assistance

We're there when you need us most on your Indonesian holiday. Our expert emergency assistance team is available 
24 hours a day, 7 days a week.

scooter

riding a scooter

If you're planning on riding a scooter, make sure you read the PDS to understand the cover restrictions. 

monkey

MONKEY
BITES

Whether you're bitten by a cheeky monkey or get a bad case of Bali Belly, relax as your hospital fees are covered with unlimited medical cover.

Adventure activities

Adventure activities

Diving in Denpasar or surfing in Seminyak? Get cover for your fast paced activities with our adventure pack.

Cover in a flash

Cover In A Flash

We keep things zippy. Our fast quotes and easy buying process will have you covered in no time. Buy direct today to get immediate cover.

medical assessment

Medical Assessment

Get cover for your medical conditions when you travel. You can declare your pre-existing conditions in our online assessment in a jiffy.

easy claims

Easy Claims

We’ve kept our claims process simple and guarantee to assess fully documented claims within 10 business days.

Car Hire Excess

Peace Of Mind

Zoom to Zen. You can sit back and relax on your Bali holiday knowing that you’re covered by award winning travel insurance.

COMPARE BALI TRAVEL INSURANCE

COMPARE PLANS

(Benefits are per adult) Expand to see benefits & limits in detail 		Medical Only Standard Comprehensive
Emergency included included included
24/7 Emergency Assistance Service included included included
24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
Medical unlimited unlimited unlimited
Overseas Emergency Medical & Hospital ExpensesSO unlimited unlimited unlimited
Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas.
Dental ExpensesO $1,000 $1,000 $1,000
Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth.
Repatriation Of RemainsO $25,000 $25,000 $25,000
Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia.
Hospital Cash AllowanceSO $2,500 $5,000
An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
Permanent DisabilityO $25,000
A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip (no excess applies).
Loss of IncomeSO $10,400
Weekly payment you received if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work in your usual occupation for more than 30 days after returning to Australia. (no excess applies)
Luggage & Personal Items $5,000 $10,000
Travel Documents & Transaction CardsO $2,000 $5,000
Reimburses you for the cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
Luggage & Personal EffectsAS $5,000 $10,000
Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
Theft of CashPO $250
Reimburses you for cash, bank notes, currency notes, or money orders stolen whilst on your person during your journey.
Luggage & Personal Effects Delay ExpensesASO $500
Cover to purchase essential clothing and personal items if your luggage and personal effects have been delayed, misdirected or misplaced by your carrier for more than 12 hours.<br/> <br/> $250 if your luggage is delayed for less than 7 days. $500 if your luggage is delayed for more than a week. (no excess applies)<br/>
Cancellation & Delay chosen limit chosen limit
Pre-Departure Cancellation Fees & Lost DepositsPS chosen limit chosen limit
Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters.
Pre-Departure Amendments to JourneyA $2,000
Cover for additional travel expenses that you incur and cannot recover when you need to amend your journey due to illness or injury, hospitalisation of a relative, or your scheduled or connecting transport is cancelled or delayed due to weather, strikes, riots, or a natural disaster.
On-trip Disruption chosen limit chosen limit
On-trip Cancellation Fees & Lost DepositsPS chosen limit chosen limit
Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather.
Additional Accommodation & Travel Expenses
— Family Emergency
— Emergency Companion CoverAS 		$10,000 $25,000
Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster.<br> <br> There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies)
Travel Delay ExpensesS $2,000
Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
Special Event Transport ExpensesO $2,000
Reimburses you for additional travel expenses to reach a special event (wedding, funeral, prepaid conference, concert, music festival, sporting event, or a tour lasting more than two consecutive nights) on time.
Other $2,500,000 $2,500,000 $5 million
Personal LiabilityP $2,500,000 $2,500,000 $5 million
Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent).

Medical Only

Show Benefits
  • Emergency included
  • 24/7 Emergency Assistance Service included
  • 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
  • Medical unlimited
  • Overseas Emergency Medical &amp; Hospital Expenses unlimited
  • Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas.
  • Dental Expenses $1,000
  • Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth.
  • Repatriation Of Remains $25,000
  • Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia.
  • Other $2,500,000
  • Personal Liability $2,500,000
  • Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent).

Standard

Show Benefits
  • Emergency included
  • 24/7 Emergency Assistance Service included
  • 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
  • Medical unlimited
  • Overseas Emergency Medical &amp; Hospital Expenses unlimited
  • Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas.
  • Dental Expenses $1,000
  • Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth.
  • Hospital Cash Allowance $2,500
  • An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
  • Repatriation Of Remains $25,000
  • Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia.
  • Luggage & Personal Items $5,000
  • Travel Documents & Transaction Cards $2,000
  • Reimburses you for the cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
  • Luggage & Personal Effects $5,000
  • Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
  • Cancellation & Delay chosen limit
  • Pre-Departure Cancellation Fees & Lost Deposits chosen limit
  • Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters.
  • On-trip Disruption chosen limit
  • On-trip Cancellation Fees & Lost Deposits chosen limit
  • Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather.
  • Additional Accommodation & Travel Expenses<br/>&mdash; Family Emergency<br/>&mdash; Emergency Companion Cover $10,000
  • Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster.<br> <br> There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies)
  • Other $2,500,000
  • Personal Liability $2,500,000
  • Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent).
  • Cruise unlimited
  • Onboard Medical Expenses unlimited
  • Cover for reasonable onboard emergency medical, and other necessary treatment expenses you incur while on a cruise if you become ill or injured.
  • Rental Vehicle Excess chosen limit
  • Rental Vehicle Insurance Excess chosen limit
  • Covers for the excess payable on your rental vehicle insurance that you have with your car hire company.<br> <br> You can choose your level of cover up to $5,000 or up to $10,000.

Comprehensive

Show Benefits
  • Emergency included
  • 24/7 Emergency Assistance Service included
  • 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
  • Medical unlimited
  • Overseas Emergency Medical &amp; Hospital Expenses unlimited
  • Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas.
  • Dental Expenses $1,000
  • Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth.
  • Hospital Cash Allowance $5,000
  • An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
  • Repatriation Of Remains $25,000
  • Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia.
  • Permanent Disability $25,000
  • A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip (no excess applies).
  • Loss of Income $10,400
  • Weekly payment you received if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work in your usual occupation for more than 30 days after returning to Australia. (no excess applies)
  • Luggage & Personal Items $10,000
  • Travel Documents & Transaction Cards $5,000
  • Reimburses you for the cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
  • Theft of Cash $250
  • Reimburses you for cash, bank notes, currency notes, or money orders stolen whilst on your person during your journey.
  • Luggage & Personal Effects $10,000
  • Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
  • Luggage & Personal Effects Delay Expenses $500
  • Cover to purchase essential clothing and personal items if your luggage and personal effects have been delayed, misdirected or misplaced by your carrier for more than 12 hours.<br/> <br/> $250 if your luggage is delayed for less than 7 days. $500 if your luggage is delayed for more than a week. (no excess applies)<br/>
  • Cancellation & Delay chosen limit
  • Pre-Departure Cancellation Fees & Lost Deposits chosen limit
  • Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters.
  • Pre-Departure Amendments to Journey $2,000
  • Cover for additional travel expenses that you incur and cannot recover when you need to amend your journey due to illness or injury, hospitalisation of a relative, or your scheduled or connecting transport is cancelled or delayed due to weather, strikes, riots, or a natural disaster.
  • On-trip Disruption chosen limit
  • On-trip Cancellation Fees & Lost Deposits chosen limit
  • Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather.
  • Additional Accommodation & Travel Expenses<br/>&mdash; Family Emergency<br/>&mdash; Emergency Companion Cover $25,000
  • Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster.<br> <br> There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies)
  • Travel Delay Expenses $2,000
  • Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
  • Special Event Transport Expenses $2,000
  • Reimburses you for additional travel expenses to reach a special event (wedding, funeral, prepaid conference, concert, music festival, sporting event, or a tour lasting more than two consecutive nights) on time.
  • Other $5 million
  • Personal Liability $5 million
  • Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent).
  • Cruise unlimited
  • Onboard Medical Expenses unlimited
  • Cover for reasonable onboard emergency medical, and other necessary treatment expenses you incur while on a cruise if you become ill or injured.
  • Snow unlimited
  • Emergency Rescue unlimited
  • Medical transfer or evacuation if you injure yourself whilst on the ski slope
  • Snow Pack $750
  • Cover for the value of any unused ski pass, ski hire or tuition fees following loss or theft of your ski pass or you being unable to ski following accident or illness.
  • Resort Closure $1,000
  • Cover for the cost of transport to the nearest resort and the cost of additional ski passes if all lift systems are closed as a result of not enough snow, bad weather or power failure in your pre-booked holiday resort.
  • Winter Sports Equipment Cover $1,500
  • We will reimburse the winter sports equipment hire excess or the cost of repairing the equipment, whichever is lesser, if the winter sports equipment you have hired is damaged or stolen due to an event covered under this policy.
  • Winter Sports Equipment Hire $1,000
  • Cover for the cost of hiring alternative Snow Skiing Equipment following the loss, theft or or breakage of your equipment, or if your equipment has been misdirected or delayed for more than 24 hours
  • Rental Vehicle Excess chosen limit
  • Rental Vehicle Insurance Excess chosen limit
  • Covers for the excess payable on your rental vehicle insurance that you have with your car hire company.<br> <br> You can choose your level of cover up to $5,000 or up to $10,000.
  • Bicycle Pack $15,000
  • Bicycle Cover $15,000
  • Designed specifically for cyclists, we offer cover if your bicycle is lost, stolen or damaged (no cover whilst in use).

Benefits shown are a summary of cover only. Sub-limits may apply. Please read the Product Disclosure Statement (PDS) for full terms, conditions, limits, excess payable and exclusions; and consider the Target Market Determination to determine whether our travel insurance is right for you.

A Limits are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller.
S Sub-limits apply.
P Limits are per policy regardless of the number of persons the claim relates to.
O There is no cover while travelling in Australia.

BALI TRAVEL INSURANCE FAQ'S

Bali is one of the most popular destinations for Aussie tourists, so we've had a fair few Bali bound questions in the past. 
You can find answers to the most common travel insurance queries below, so that you're in the know before you go.
  • Am I covered in the event of a volcanic eruption?

  • Yes, in the event that your holiday is directly affected by an unforeseen natural disaster you would be covered for cancellation, travel disruptions, additional accommodation expenses and lost deposits. Your cover will depend upon the plan that you purchased. In order to be covered for volcanic ash cloud disruptions you would need to have purchased your policy before news of the natural disaster hits the mainstream media.

  • What should I do if my flights are affected because of volcanic ash?

  • Volcanic ash is a serious safety concern for aircrafts, and airlines monitor the airspace closely. If your trip is affected, your first port of call should be to contact your travel agent or travel provider regarding altering your trip. The airline should be accountable to provide you with the service for which you have paid them and are likely to offer penalty free options. If you're stranded and need to pay for additional accommodation, enjoy your extended holiday and keep your receipts for your claim.

  • How do I know if the policy i've purchased covers travel delays due to a volcanic eruption?

  • Refer to our travel alerts page to keep abreast of all the latest news and updates in regards to your cover, cut-off timings and Bali's Mount Agung eruption.

  • Am I covered to ride a motorbike or scooter in Bali?

  • If you are in control of a motorcycle or scooter with an engine capacity greater than 125cc, you need to hold a current, valid Australian motorcycle licence. If you are riding a motorcycle or scooter with an engine capacity lower than 125cc, you need to hold a current, valid Australian drivers licence.

    You also need to be aware that cover will not be provided to you if you are a passenger on a moped, scooter or motorcycle, and the person in control does not have a valid motorcycle licence for that country.  

    Please note that it’s compulsory to wear a helmet while riding a motorbike or scooter in many countries. Regardless of local requirements, Zoom advises you to wear a motorcycle helmet whenever you are a rider or passenger on a scooter or motorbike

  • Am I covered for Bali belly, Malaria or Dengue fever?

  • As Bali is a developing country there area few diseases you may be at risk of contracting. However, you can rest assured that all our policies cover you for Unlimited medical benefits if you were to fall ill. This includes access to hospitals, ambulance, doctors and evacuation and even repatriation home if required.

  • Does cover for Bali include Gili Islands?

  • If you're planning on travelling to Gili Islands, you should choose Indonesia as your destination not Bali.  You will not be covered if you select Bali as your destination.

  • How do alcohol and drugs affect my cover?

  • When it comes to alcohol we advise you to drink in moderation. Please note that we may exclude any claims where excessive drugs or alcohol have been involved.

  • I have high value items; how much can I insure them for?

  • If you have an expensive item that you just can’t leave behind you can insure it separately. Please note that high value item cover is only available under our comprehensive plan.

  • Am I covered for pick pocketing in Bali?

  • Yes, you’re covered for muggings provided of course, you were acting with reasonable care (i.e. did not leave your belongings unattended). If you’re the victim of a pickpocket (even of the cheeky monkey variety), you’d be covered for loss, theft and damage to your luggage and personal effects. If you are robbed it’s important that you get a police report and contact us as soon as possible.

BALI QUICK GUIDE

There is no place quite like the 'Island of the Gods' that is Bali. With beautiful scenery, scorching sun, countless waves, and spirituality, it's no wonder that Bali is top of the pops for Australian holiday makers.  This island paradise has something for everyone.  

A touristy destination such as Bali seems an unlikely choice for those wanting to escape crowds, but there is plenty of serentity for those seeking solitude and prepared to get off the tourist trail.  Beyond the chaos of Kuta, the sophisticated shopping in Seminyak and the lounging in Legian, Bali has a diverse culture full of rituals, festivals and ancient culture. 

No matter which kind of Bali experience you're planning, Zoom can cover your trip with a range of plans.  You can minimise your costs with Medical Only cover, or choose to buy Comprehensive Travel Insurance for extra protection to cover things like travel delays and cancellation. Compare Zoom's Travel Insurance plans online today.

 

VISAS FOR BALI

The Indonesian Government has introduced a visa-free program for Australians.  If you’re travelling to Indonesia for a leisure holiday for less than 30 days, you do not need to apply for a Visa to enter Bali.
 
However, if you’re intending on staying longer than 30 days, you will need to apply for a visa on arrival (USD $35), this can be paid in cash or on card.  Alternatively, you can apply for this and other visas from an Embassy or Consulate of Indonesia.

It is important to note that your passport must be valid for a minimum of 6 months and your passport must have a minimum of 2 free pages available.

ON ARRIVAL

Ngurah Rai International Airport or Denpasar airport (DPS), is a large international airport located in the south of Bali.   It has become very ‘westernised’ so you can just follow the signs and line up according to appropriate signage at immigration.  You will need to put all your luggage and hand luggage through a scanner, so don’t be alarmed by this.
 
As you step outside the airport, you will see a swarm of drivers and hotel staff holding up name signs. Arranging a driver from back home, before you go to greet you on arrival with a friendly smile and a cool bottle of water is ideal, but if you didn’t pre-arrange a pick-up, just head towards a taxi service counter. Otherwise you'll be hounded by vocal drivers vying for your business, by opting for a metered taxi service, you can avoid rookie ripoffs.  Note that you will need to pay CASH to the driver so remember to have some local currency or get some out from the ATM.

GETTING AROUND

Pre-arranging a driver it is one of the most convenient, comfortable and cost effective ways to travel. Hiring motorbikes and scooters to get around is the most common mode of transport amongst both locals and tourists, but it’s important to keep your helmet on and understand our cover restrictions regarding licences and engine limits. Getting around by taxi is cheap in Bali, but be sure to insist that the meter be turned on at the beginning of your ride.  Less regulated drivers may refuse to use a meter so put your negotiation skills to the test, just don’t accept the first price.
 

BEST TIME TO VISIT

Unpack your jeans, Bali is hot to trot all year-round with an average temperature of 32 degrees. April, May, June and September are optimal times to go if you want to avoid high season prices and crowds. High season is July and August, during the Easter holidays, and December and January during the Christmas and new year holiday period. The rainy season is typically October to March.
 

WHERE TO GO

As one of the most desired destinations on the planet, this paradise island of gods is diverse and has attractions for all types of travellers.  But it's important to choose your base carefully. When travelling through Bali, it really is a case of knowing where to go, as each area offers a completely different experience. Colourful Kuta bustles with backpackers on a shoestring-budget; quieter high-end holiday makers tend to style it up at luxury beach front digs in Seminyak; Nusa Dua offers plenty of water-sports and all-inclusive resort style options for families; while the cultural heart of Bali lies in Ubud for those seeking a richer, much earthier experience.

The choices are endless, so do your research.  Consider your Bali bucket list and who you’re travelling with.   If you’re looking for more than Bintang and beanbags, check out InBali’s bucket list.

MUST KNOW TIPS

You will sweat, a lot.  Play it safe by sticking to bottled water throughout your Bali stay. It is cheap and readily available.  Mosquito repellent is a friend in Bali and can be bought from most supermarkets and chemists. Beachwear doesn’t always cut it in Bali, many top-end bars and hotels could turn you away if you don’t cover up. Haggling and bartering is expected, particularly at markets. Tipping is common but not a must. Keep away from wild and stray animals as rabies and other diseases are a serious risk in Bali.  The legal system may seem confusing and contradictory in parts, but it’s best to just play by their rules.  It goes without saying but having anything to do with illicit drugs is a bad idea.

Indonesia is located within the Pacific Ring of Fire, known as the world's hotbed of volcanic activity and earthquakes.  Needless to say, we've had our fair share of questions on volcano and ash cloud cover.  For Australians heading to Bali with concerns in relation volcanic erupations, visit our page on Bali volcano cover to understand what you're covered and whether any exclusions are currently in place.

ZOOMING ELSEWHERE?

Are you planning to zoom somewhere else on your holidays? Whether you're holidaying to terrific Thailand, fabulous Fiji or sassy Singapore, we've got plenty of helpful advice on other popular travel destinations to check out. What are you waiting for? Zoom to it!
 
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Zoom

Zoom travel insurance offers simple, flexible travel insurance for maximum peace of mind no matter where you're zooming to.

About Zoom Policy Wording Travel Alerts Family Violence Policy  Complaints
"Zoom Travel Insurance" is a registered Business name of the Insurance Geeks Pty Ltd ABN 35 612 507 785 located at Level 1, 332 Kent Street, Sydney, NSW 2000 Australia. The Insurance Geeks is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. This site contains general guidance only on insurance products available to you. Before you buy a policy, you should consider if this product suits your needs by reading the policy wording, known as a Product Disclosure Document (PDS) in light of your personal circumstances. This insurance is underwritten by HDI Global Specialty SE – Australia, principal place of business at Level 19, 20 Martin Place, Sydney NSW, 2000.
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