Travel Insurance for Bali
The Quick Answer
Section titled “The Quick Answer”Yes, get travel insurance. Especially if you’re planning to ride a scooter — and in Bali, most travellers do.
Hospital bills in Bali aren’t cheap. A broken bone from a scooter accident can easily cost $5,000–15,000+. Medevac to Singapore or Australia? $50,000+. Insurance costs a few dollars a day. It’s a no-brainer.
What to Look For
Section titled “What to Look For”The two things that matter most for Bali:
1. Motorbike/Scooter Coverage
Section titled “1. Motorbike/Scooter Coverage”This is the big one. Many standard travel insurance policies exclude motorbike accidents unless you have a valid motorcycle licence from your home country. Read the fine print carefully.
Look for policies that:
- Cover scooter/motorbike riding (as a driver, not just passenger)
- Don’t require a motorcycle licence for scooters under 125cc
- Cover medical expenses from riding accidents
2. Medical Evacuation
Section titled “2. Medical Evacuation”Bali has decent hospitals (BIMC, Siloam), but for serious injuries you may need to be evacuated to Singapore or your home country. Make sure your policy includes medical evacuation cover of at least $100,000.
Recommended Providers
Section titled “Recommended Providers”| Provider | Best For | Scooter Coverage | Price Range |
|---|---|---|---|
| SafetyWing | Digital nomads, long-term travellers | Yes (check terms) | ~$42/month |
| Genki | Flexible, worldwide cover | Yes (check terms) | From ~$35/month |
| World Nomads | Backpackers, adventure activities | Yes (with licence) | Varies |
| Allianz | Short trips, families | Limited | Varies |
SafetyWing
Section titled “SafetyWing”- Monthly subscription, cancel anytime
- Popular with digital nomads
- Covers 185 countries
- Visit SafetyWing →
- Flexible worldwide health insurance
- Good for long-term travellers
- Visit Genki →
- Buy insurance before you leave home — most policies don’t cover you if you buy after an incident
- Keep digital copies of your policy documents on your phone
- Save the emergency number — add your insurer’s 24/7 emergency line to your contacts
- Check your credit card — some travel credit cards include basic travel insurance. Check what’s covered before buying a separate policy.
- Declare pre-existing conditions — failing to disclose them can void your entire policy