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Travel Insurance for Bali

Surfing beaches, ancient spirituality and misty mountains

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Bali is renowned for its surf scene, spiritual vibe, and mouth-watering food, so it’s easy to see why it’s one of Indonesia’s most popular islands. Whether it's covering medical emergencies, lost luggage, or unexpected cancellations, travel insurance can help protect you when embarking on your Bali escapade.

A beach in Bali, Indonesia
An aerial view of Kuta Selatan, Bali, Indonesia. Photo credit: Pexels / Oliver Sjöström

With the right travel insurance coverage, you can immerse yourself fully in Bali's beauty, knowing you're prepared for any unexpected twists and turns along the way.

What’s covered?

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

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 traveling.

Note: all travel insurance plans are different, and cover will vary, depending on what's happened, your Country of Residence, the plan you choose and any options or upgrades you buy.

Travel insurance essentials for your Bali holiday

Bali is packed with tropical and cultural experiences, but there are some things you need to consider before immersing yourself in the Balinese culture.

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.

Depending on the policy you choose and your Country of Residence, 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 traveler must have already been issued a traveler’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 policy wording 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.

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.

Green grass field Bali
Green grass field, Bali, Indonesia. Photo credit: Pexels / Arnie Watkins

What’s not covered?

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

  • Pre-existing medical conditions
  • Traveling to, planning to travel to, or choosing to remain in a country or region that is subject to a ‘Do Not Travel’ warning.
  • Participation in a sport or activity not listed in the policy wording 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 wording).
  • 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. Depending on your country of residency and the plan you have selected, 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.


  • 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:

Secure Your Bali Adventure Now - Get Travel Insurance!

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.

About World Nomads

World Nomads polices are designed by travelers for travelers to provide simple and flexible travel insurance. Featuring coverage for more than 150 activities, you can get a quote, claim, or extend your policy online at All the information we provide about travel insurance is a brief summary only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all countries, states or provinces. Please carefully read your policy wording for a full.

Travel Insurance Benefits: how we can take care of you*

Trip Cancellation

Been working hard for your trip?

We'll work hard to protect it.

Trip Protection
  • Unexpectedly hospitalised?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Expenses

Feeling fit and healthy? What if you get sick or injured?

Take the pain out of medical or dental costs.

Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

Know where the nearest hospital is?

Don’t stress, we’ll get you there quickly.

Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medivac home?

Help starts here.

Protect your gear

Love photography, filming or sport?

Cover your bags, tech or gear.

Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Emergency Overseas Medical & Dental Expenses
  • Emergency Medical Evacuation & Repatriation
  • Trip Cancellation or Interruption
  • 24-Hour Assistance Services
  • Baggage
  • And more (depending on your country of residence)
*This is a general summary only. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.

24/7 emergency assistance

Whether you need medical assistance or emergency evacuation, our teams are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.

Are you in need of emergency assistance right now?

Contact the team

Get an instant travel insurance quote

Simple and flexible travel insurance designed by travellers, for travellers. See why over 3 million travelers have chosen World Nomads for over 20 years.