Bali, with its stunning beaches, vibrant culture, and exciting activities, has become a popular destination for New Zealanders. While planning your next escape to this tropical paradise, one thing to consider is securing the right travel insurance. Whether you're there for adventure, relaxation, or a digital nomad experience, travel insurance can help you with cover against unforeseen events.

• What’s covered?
• Key features of World Nomads Travel Insurance for Bali
• What’s not covered?
• Are you looking for more travel inspiration for Bali?
• Best time to travel to Bali

What’s covered?

With World Nomads, you can buy travel insurance when you book your trip from home or while you're already travelling. Both of our travel insurance policies – the Standard Plan and Explorer Plan - offer cover (up to the benefit limits) for:

• Overseas emergency medical
• Medical evacuation and repatriation
• Trip cancellation
• Delays or missed flights
• Stolen or delayed baggage
• Cover for some Coronavirus-related events.

Make sure you select the right travel insurance plan for your needs. Each of our policies offers different benefits, limits and sub-limits, so it’s best to compare them to see which one suits the type of trip you’re planning.

With World Nomads you can get a quote, make a claim, or extend your policy instantly online. And the best part? You can even purchase coverage after you’ve already left for your trip.

Key features of World Nomads Travel Insurance for Bali

World Nomads travel insurance may cover you (up to the policy limits) for the following:

• Emergency medical cover: Hospital or doctor visits can be costly if you fall sick or have an accident in Bali. World Nomads' plans offer cover medical emergencies and evacuation. If required, you can get transported to a medical facility suited for your care, subject to approval from the 24/7 Emergency Assistance Team. Limits apply.
• Adventure activities cover: Planning to surf, dive, or hike in Bali? World Nomads offers coverage for more than 150 activities, including common Bali adventures. Many activities also have specific terms and conditions, limitations and exclusions you should read up on. An upgrade for certain sports may be required. Check your policy for details.
• Trip cancellation or interruption: Whether it's a medical issue, family emergency, or unexpected changes in your plans, you’re could be covered for trip cancellations or delays.
• Lost or stolen baggage and valuables: Unfortunately, Bali is no stranger to pickpocketing. World Nomads offers coverage for stolen or lost luggage, passports, and valuables. If your luggage gets damaged or stolen en route to Bali or during your travels, you may be able to claim the unexpected costs incurred as a result. And if your luggage is delayed for more than 24 hours, you may be entitled to replacement costs for your essential clothing and toiletries. It’s important to read your Policy Document carefully.
• Natural disasters: Natural disasters, like severe weather, floods, landslides, volcanic eruptions, tsunamis, and earthquakes can regularly occur; there is an ongoing risk of terror attacks; and the standard of medical facilities is often lower than that of other countries.

What’s not covered?

Travel insurance is not designed to cover everything. Some things World Nomads don’t cover include:

• Existing medical conditions
• Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to the New Zealand Government issuing a ‘Do Not Travel’ warning. For more information go to the safetravel website.
• Participation in a sport or activity not listed in the Policy Document or one that's covered, but you haven't paid the required additional premium.
• Costs arising from your refusal to be repatriated once you are declared medically unfit to continue a trip but are fit for repatriation.
• The policy excess per person per insured event where applicable (check the ‘Summary of Benefits’ in your Policy Document).
• Loss or damage to luggage due to age, wear and tear, or loss of value. Damage to sporting equipment caused while in use. Terms and conditions apply. If an item is listed as a specified item when you purchase a policy and where an additional premium is paid, wear tear and depreciation is not considered in the event of a claim.

Bali travel insurance and safety tips

While Bali is generally safe, if you’re venturing there for the first time, it’s handy to be well-versed on how to traverse the island safely.

Safety

• Be mindful of traffic when crossing streets – Bali’s traffic can be chaotic.
• Avoid leaving valuables unattended at the beach or in crowded areas. Keep valuables in a bum bag and lock your room at night.
• Wear plenty of insect repellent and sunscreen and don’t drink tap water or drinks with ice.
• Respect local traditions and customs, including dress codes when visiting cultural attractions like temples and sacred sites.
• Only consume drinks from a reputable bar and avoid Arak – cases of methanol poisoning have been reported because of this traditional Balinese drink.

Travel insurance

• Check that your travel insurance policy includes cover for all of the activities you intend to undertake while in Bali. You may need to pay an additional premium if the activity is ‘high risk.’
• Understand the terms and conditions of your chosen insurance policy, including exclusions or limitations.
• Ensure your travel insurance covers medical emergencies, including evacuation if required.

Traveler tip: make copies of all key travel documents – passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets – and keep them separate from the originals so you have backups and proof of purchase if required.

Are you looking for more travel inspiration for Bali?

World Nomads has various articles that cover a range of fun topics on Bali, such as:

• How to Behave When Visiting Bali
• A Traveler’s Guide to Ubud, Bali’s Spiritual Center
• What I Love (and Hate) About Bali

Get a travel insurance quote for Bali.

Best time to travel to Bali

Bali is a pleasure to travel around at any time of year, but the best time to visit is during the dry season from April to October when the weather is sunny and pleasant, perfect for exploring the island’s beaches and outdoor activities.

This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

The information provided is of a general nature and is provided for information purposes only. It does not constitute financial advice in any form and should not be relied on as a substitute for obtaining professional advice that is specific to your circumstances. You should seek advice from a financial advice provider if you would like further information about whether a particular product is appropriate for you and your circumstances.

Bali is renowned for its surf scene, spiritual vibe, and mouth-watering food, so it’s easy to see why Australians flock to Bali every year. Whether it's covering medical emergencies, lost luggage, or unexpected cancellations, travel insurance may help protect you when embarking on your Bali escape.

• What’s covered?
• Travel insurance essentials for your Bali holiday
• What’s not covered?
• Are you looking for more travel inspiration for Bali?
• Best time to travel to Bali

What’s covered by travel insurance?

With World Nomads, you can buy travel insurance when you book your trip from home or while you're already travelling. Both of our travel insurance policies – the Standard Plan and Explorer Plan - offer cover (up to the benefit limits) for:

• Overseas emergency medical
• Medical evacuation and repatriation
• Trip cancellation
• Delays or missed flights
• Stolen or delayed baggage
• Cover for some Coronavirus-related events.

Make sure you select the right travel insurance plan for your needs. Each of our policies offers different benefits, limits and sub-limits, so it’s best to compare them to see which one suits the type of trip you’re planning.

With World Nomads you can get a quote, make a claim, or extend your policy instantly online, even while travelling.

Travel insurance essentials for your Bali holiday

World Nomads travel insurance may cover you (up to the policy limits) for the following:

Trip cancellation cover

If you or anyone in your party gets sick or injured and you need to cancel your holiday plans, we may cover the non-refundable travel expenses. Please note that the traveller must have already been issued a traveller’s Certificate of Insurance from World Nomads to have cancelation coverage available to them.

Activities coverage

We cover more than 150 activities, sports and experiences including trekking, rafting or surfing, which are just some of the activities tourists seek out in Bali. But we don’t cover everything. Many activities also have specific terms and conditions, limitations and exclusions you should read up on. An upgrade for certain sports may be required. Check your policy for details.

Lost, stolen or delayed baggage cover

If your luggage gets damaged or stolen en route to Bali or during your travels, you may be able to claim the unexpected costs incurred as a result. And if your luggage is delayed for more than 24 hours, you may be entitled to replacement costs for your essential clothing and toiletries. It’s important to read your Product Disclosure Statement (PDS) carefully.

Natural disasters and other unforeseen events

If your island time is thrown into chaos by a volcanic eruption, or you’re involved in a scooter accident, you can make a claim. If a volcano wreaks havoc with flight schedules, we understand that you may want to cancel your trip rather than vacation in an ash-affected area. If you're already in Bali, we may cover your exit. The use of scooters/mopeds comes with a caveat – you must have the appropriate licenses and add it as an activity when you buy your policy. Terms and conditions apply.

Overseas medical emergencies

If you come down with Bali Belly after drinking contaminated food or water or are unfortunate enough to injure yourself in the surf, your policy may cover you for medical expenses. If required, you can get transported to a medical facility suited for your care, subject to approval from the 24/7 Emergency Assistance Team. Limits apply.

What’s not covered by travel insurance?

Travel insurance is not designed to cover everything. Some things World Nomads don’t cover include:

• Existing medical conditions
• Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to the Australian Government issuing a ‘Do Not Travel’ warning. For more information go to the smartraveller website.
• Participation in a sport or activity not listed in the PDS or one that's covered, but you haven't paid the required additional premium.
• Costs arising from your refusal to be repatriated once you are declared medically unfit to continue a trip but are fit for repatriation.
• The policy excess per person per insured event where applicable (check the ‘Summary of Benefits’ in your PDS).
• Loss or damage to luggage due to age, wear and tear, or loss of value. Damage to sporting equipment caused while in use. Terms and conditions apply. If an item is listed as a specified item when you purchase a policy and where an additional premium is paid, wear tear and depreciation is not considered in the event of a claim.

Bali travel insurance and safety tips

While Bali is generally safe, if you’re venturing there for the first time, it’s handy to be well-versed on how to traverse the island safely.

Safety

• Be mindful of traffic when crossing streets – Bali’s traffic can be chaotic.
• Avoid leaving valuables unattended at the beach or in crowded areas. Keep valuables in a bum bag and lock your room at night.
• Wear plenty of insect repellent and sunscreen and don’t drink tap water or drinks with ice.
• Respect local traditions and customs, including dress codes when visiting cultural attractions like temples and sacred sites.
• Only consume drinks from a reputable bar and avoid Arak – cases of methanol poisoning have been reported because of this traditional Balinese drink.

Travel insurance

• Check that your travel insurance policy includes cover for all of the activities you intend to undertake while in Bali. You may need to pay an additional premium if the activity is ‘high risk.’
• Understand the terms and conditions of your chosen insurance policy, including exclusions or limitations.
• Ensure your travel insurance covers medical emergencies, including evacuation if required.

Traveler tip: make copies of all key travel documents – passport, ID, travel insurance, receipts, vouchers, addresses, transportation tickets – and keep them separate from the originals so you have backups and proof of purchase if required.

Are you looking for more travel inspiration for Bali?

World Nomads has various articles that cover a range of fun topics on Bali, such as:

• How to Behave When Visiting Bali
• A Traveler’s Guide to Ubud, Bali’s Spiritual Center
• What I Love (and Hate) About Bali

Get a travel insurance quote for your trip to Bali.

Best time to travel to Bali

Bali is a pleasure to travel around at any time of year, but the best time to visit is during the dry season from April to October when the weather is sunny and pleasant, perfect for exploring the island’s beaches and outdoor activities.

This is not a full list of what's covered and not covered. There may be specific terms, conditions, limitations and exclusions that apply depending on what you'll be doing. Please read your PDS carefully. If you’re not sure if something is covered or how to claim, contact us and we’ll let you know.

• Do I need travel insurance for Nepal?
• Travel insurance for activities in Nepal
• Travel insurance for medical emergencies in Nepal
• Travel insurance for scams in Nepal
• Travel insurance for lost bags in Nepal
• Travel insurance for cancelled, interrupted, or delayed trips to Nepal

What’s the first thing that comes to mind when you think of Nepal? Snow-capped mountains, Buddhist temples, and a welcoming, friendly culture all come to mind for us. Travelers also come to search for tigers and rhinos on safari in one of Nepal’s national parks, join a meditation retreat, relax in Pokhara, stay with a local family in farming villages, experience a religious ceremony or cultural festival, and sample Nepalese dishes like momos and dal bhat. Whatever your dream vacation looks like, Nepal is a place of endless adventure and rich culture. 

With this much diversity, you can bet we’ve seen all sorts of travel insurance claims from Americans in Nepal. We’ve had the best time in Nepal, but international travel can sometimes involve those less-than-great moments - like sickness, missed flights, and lost baggage. Because of this, you may want to get a quote for travel insurance* for Nepal before you set forth on your journey.    

Do I need travel insurance for Nepal?

World Nomads travel insurance plans offer protection against certain unexpected and unforeseeable circumstances that might disrupt your travel plans. You’ll want to consider travel insurance to protect yourself against expenses related to unforeseen events like scams or bad weather.

Travel insurance for Nepal can also protect against large medical bills resulting from accidents that may happen on your outdoor adventures such as an injury sustained while hiking on the multi-day Manaslu Circuit or one of Nepal’s other great treks.

 We have four plans to choose from for different types of travelers and adventures. You might notice that our travel insurance plans for Nepal ring in at a higher cost than our insurance plans for other destinations. This is due to the inherent risk of high altitude climbing, which is one of the main reasons our nomads head to Nepal.

Travel insurance for activities in Nepal

Whether you’re planning to hike to Everest Base Camp or go white water rafting on Trishuli River, World Nomads travel insurance covers Americans for over 250 activities in Nepal. Day hikes and multi-day treks in the Himalayas, safari excursions in Chitwan, and paragliding in Pokhara are all covered under travel insurance for Nepal too.

It’s important to have a fairly concrete idea of your trip plans before you get a quote. Once you have your vacation in place, read up on different plans to find the one best suited for the activities and adventures you have planned on your trip to Nepal. Not all activities will be covered by your plan. For example, if you’re eager to explore the Himalayas, hiking up to 19,685 feet, which even covers Everest Base Camp at about 17,600 feet-- is covered under all plans.

However, if you’re feeling daring and want to try spelunking, consider upgrading to the Explorer or Epic Plan for increased coverage.

Travel insurance for medical emergencies in Nepal

In Nepal, the healthcare system may not be what you are familiar with back home. It can be particularly difficult to access reliable health care in rural areas, especially remote regions of the Himalayas. You can protect yourself from emergency medical expenses by purchasing a travel insurance plan for Nepal.

In a medical emergency, the first thing you should do (if you are medically able) is call the 24/7 Emergency Assistance Team. The team may be able to help you find a reputable medical center and could help organize the care you need. If you are unable to call until later, make sure you call them as soon as possible. 

Travel insurance for Nepal also may cover medical evacuation and repatriation insurance, if it’s required for your medical treatment. In the event that you need an evacuation flight from the mountains due to altitude sickness, you must receive approval from the 24/7 Emergency Assistance Teams first. Without prior approval, you will not be reimbursed for the cost of the flight. The emergency assistance team can also help you determine whether your injury or illness qualifies for a trip down the mountain. Some local companies might scam you into believing your injury is worse than it is to drive up costs.

Travel insurance for scams in Nepal

Nepal is a stunning destination for adventure and cultural experiences, but there are some things to be aware of when visiting. Travelers sometimes can encounter scams that can derail your plans and impact your trip.

One common scam travelers to Nepal have encountered is an evacuation and helicopter scam. Trekking companies may offer a cheap trekking excursion but manipulate you into signing a form agreeing to helicopter evacuation. It’s helpful to do some advance research on potential trekking companies and read reviews to ensure the company you’re trekking with is trustworthy and legitimate. Some evacuation companies unrelated to a trekking company may also try to scam you with unsafe rides down the mountain. It is for this reason that we require you (or your travel buddy) call the 24/7 emergency assistance team if you need to be evacuated.

Another potential scam is with taxis. If you grab a taxi off the street, either insist they use the meter or agree on a price beforehand, to prevent them from driving long routes or pretending that the meter is broken to drive up the costs. You also might encounter people on the street offering to show you around and then demanding money for their tour guides services. Nepal is generally a safe and welcoming country and using common sense can go a long way to help you avoid scams.

Travel insurance for lost bags in Nepal

Whether the airline lost your luggage, or your purse was stolen, lost bags can happen during travel. Did you land in Kathmandu but your bag—packed with your hiking boots and trekking gear—didn’t?

If your bag doesn’t show up at baggage claim at the same time you do, contact the airline first. If the airline isn’t able to help you locate your lost bag, the second step is to contact the Delayed or Lost Baggage Tracking and Delivery service, which is our non-insurance service partners. Make sure to have the file reference or record locator number and Property Irregularity Report on hand when you call so you can file a lost luggage claim. 

Travel insurance for cancelled, interrupted, or delayed trips to Nepal

Sometimes your plans just don’t work out. World Nomads travel insurance plans include trip cancellation, trip interruption, and trip delay benefits that may provide reimbursement for your unused, pre-paid, non-refundable expenses up to plan limits. 

We never anticipate natural disasters interrupting our trip to Nepal, but they can happen. Earthquakes are a potential risk, which can also trigger avalanches in the mountains. Monsoon season typically hits from July through September in Nepal, and heavy rains have been known to cause extreme floods and landslides. Storms and natural disasters are impossible to predict so the best thing you can do is protect yourself with travel insurance for Nepal. 

If you bought your travel insurance plan prior to a natural disaster developing into a major event, your travel insurance for Nepal may provide cancellation protection if you are unable to occupy your destination residence because of a natural disaster.

Trip interruption and trip cancellation coverage can also help protect you in case of emergencies back home in America. If you need to cancel or interrupt your trip due to a covered reason such as a medical emergency or the death of an immediate family member, you may be eligible for reimbursement of your unused (subject to plan limits) hotel expenses or airfare that you can no longer use.

Tips for travelling to Nepal from the US

As much as you may have planned each detail of your Nepalese adventure, the unexpected can still happen. We encourage you to check out the American government’s safety warnings for Nepal before you leave. Up-to-date warnings-- including weather advisories and political situations-- will be listed on the website.

It’s also a good idea to save the 24/7 Emergency Assistance phone number and your plan number in your cell phone so you don’t have to search for that if an emergency happens. Learning a few Nepalese phrases will go a long way too.

Finally, we recommend checking out our travel tips for Nepal, to help prepare you with some basic etiquette to respect local culture. You may also want to read up on some extraordinary experiences for some inspiration and read our packing list tips, to make sure you’re prepared for your trek.