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Best Travel Insurance for Bali (Indonesia) 2024

Bali is a popular tourism destination in Indonesia among Singaporeans. Whether you intend to go clubbing at Kuta Beach, cafe-hop in Seminyak, visit the rice fields of Ubud or do sea sports at Nusa Dua, make sure to purchase travel insurance before you fly to ensure adequate coverage against any infectious diseases, unexpected events/accidents or natural disasters such as earthquakes and tsunamis. Wondering what is the best travel insurance policy? Head over to Moneysmart to compare the best travel insurance plans.

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Travel Requirements To Enter Bali

According to Singapore’s Ministry of Foreign Affairs, Indonesia has confirmed that visitors travelling to Indonesia, including Bali, no longer require PCR testing or proof of COVID-19 vaccination with effect from 21 June 2023. It is still advisable to stay up to date on the entry requirements and other related information via the Indonesian Ministry of Foreign Affairs website, you’re planning a trip to Bali soon.

VISA application

To travel to Bali as a tourist, you’ll need to apply for an e-Visa on Arrival or B211A e-Visa, unless you’re from one of the 9 countries which are on a Visa-free entry agreement with Indonesia. There are 2 types of Visa application services: Standard (which takes 14 working days to process after payment is received), or Express (which takes 7 working days to process after payment is received).

Visa-free entry

If your country is listed as one of the 9 countries that has the "visa-free" agreement with Indonesia, and you’re staying in Bali for less than 30 days (cannot be extended), you do not need to apply for a visa to enter Bali as a tourist for a single entry. However, you have the option to get a visa on arrival that can be extended once for 30 days or in the event you need to or wish to stay longer than 60 days, you can get a B211A Visa.

The 9 countries include:

  • Brunei
  • Myanmar
  • Cambodia
  • Philippines
  • Malaysia
  • Singapore
  • Laos
  • Thailand
  • Vietnam

Visa on Arrival

Visa on Arrival is valid for 40+ nationalities, and tourists from this “Visa on Arrival” list of countries are allowed to stay between 30 and 60 days (more than 30 days requires an extension process, for another 30 days, with the maximum duration of 60 days in total), for a single entry.

If you’re from one of the 40+ nationalities, you can purchase the Visa on Arrival at the arrival hall before queuing at the immigration counters. One thing to remember is that your passport needs to be valid for at least another 6 months before you’re eligible for this Visa on Arrival application.

B211A Visa

You’ll need a B211A Visit Visa if you intend to stay longer than 60 days for business purposes such as meetings and conferences held at Bali.

If your nationality is not mentioned on the 'Visa on Arrival' list, the B211A Visa which we facilitate requires a company or travel agency to "sponsor" the visa.

Prior to the COVID-19 pandemic, travellers from almost any country can apply for a B211A Visa. However, due to the pre-existing travel restrictions, travellers from Afghanistan, Guinea, Israel, Kamerun, Liberia, Nigeria, North Korea, Somalia, Iraq and Iran are not able to apply for B211A Visa for Indonesia, but have to contact their respective embassies directly.

Tourism tax

With effect from 14 February 2024, all international visitors, including tourists from Singapore, are required to pay a tourism tax of 150,000 rupiah (S$12.80) when they travel to Bali, Indonesia.

This newly implemented tax which was announced by Bali tourism chief Tjok Bagus Pemayun, is applicable to tourists exploring mainland Bali and its adjacent islands, such as Nusa Penida, Nusa Lembongan, and Nusa Ceningan.

This requirement is also applicable to those arriving from other regions within Indonesia via land or domestic flights, with no exemptions for children.

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Top 10 Things To Do In Bali

Have fun at the beaches

Known for its beautiful beaches, some of Bali’s popular ones include Kuta Beach for surfing, Seminyak Beach for relaxation, and Nusa Dua Beach for water sports.

Visit temples and shrines

Bali is also home to numerous temples and shrines. The must-visit ones include Uluwatu Temple, Tanah Lot Temple, Tirta Empul and Pura Ulun Danu Bratan where you can witness purification rituals.

Dig into authentic Balinese cuisine

For authentic Balinese cuisine, explore restaurants or local warungs which are also known as tiny shops, or kiosks, in Bali. Try succulent Babi Guling (suckling pig), Nasi Campur that is a popular mixed rice dish, plus others like Balinese satay, Bebek Betutu which a slow-cooked duck dish roasted in a banana leaf wrapper, Pepes Ikan with sambal and more.

Rise early for sunrise trekking

Mount Batur is famous for its pre-dawn hike with stunning views of its crater. If you’re looking for a more challenging route, Mount Agung, Bali's highest peak, will be apt, with a rewarding sunrise panorama.

Take part in water sports

There is a wide variety of water sport activities available for you in Bali such as white-water rafting on the Ayung River, paddleboarding in Sanur, snorkeling and scuba diving in Amed and Tulamben besides the usual banana boat rides, surfing, parasailing, and jet-skiing in Kuta and Uluwatu.

Unwind at a spa

Some notable ones include Ayana Spa, with oceanfront treatment rooms, and COMO Shambhala Estate, offering holistic wellness and traditional Balinese massages. The Fivelements Retreat focuses on healing rituals, while the Mandapa Spa offers a luxurious riverside experience.

Explore rice terraces

Declared a UNESCO World Heritage Site, Tegalalang Rice Terraces is where beautiful rice terraces are carved into the hillsides. You can take a walk through the terraces and learn about the traditional Balinese irrigation system.

Go on an island-hopping adventure

Take a boat ride to the Gili Islands for pristine beaches and diving, explore Nusa Penida for rugged landscapes and manta rays, and head to Nusa Lembongan for surfing and seaweed farming.

Get up close with macaques

The best monkey sanctuaries in Bali are the Sacred Monkey Forest Sanctuary, Ubud, and the Alas Kedaton Monkey Forest, Tabanan. Both sanctuaries are home to hundreds of long-tailed macaques and a number of temples, including the Pura Dalem Kahyangan Kedaton, a large complex nestled amidst the dense woodland.

Shop at local art markets

Ubud's Sukawati Art Market is famous for paintings, handmade jewellery and textiles, while the Sanur's Sindhu Market is great for fresh produce and local street food, perfect for a cultural shopping experience.

How To Choose Travel Insurance For Your Bali Trip?

There are actually more factors to consider when picking travel insurance with COVID-19 coverage for your Bali trip as it’s different from the usual coverage. If you’ve yet to get a travel insurance plan with COVID-19 coverage, you can choose to buy COVID-19 coverage either as an add-on benefit or as part of an existing plan which you already have.

Here are 6 steps to help you get started.

Step 1

Ensure sufficient coverage

Price is important when considering a travel insurance plan, but you should also compare the benefits and reimbursement limits for claims like COVID-19 related medical expenses, trip cancellations, flight delays and baggage theft and/or damage.

Step 2

Consider any pre-existing conditions

An unexpected severe illness or injury may impact whatever pre-existing condition you and your family members may have, and only a couple of travel insurers will cover you for claims relating to your pre-existing medical conditions such as pregnancy, injuries or illnesses sustained during the trip.

It’s best to look for a travel insurance plan with adequate coverage which will give you in-patient hospitalisation expenses overseas coverage that allows you to claim for medical, surgical, nursing or hospital charges, emergency medical evacuation and repatriation coverage.

Step 3

Compare policy premiums

How much your travel insurance costs depends on your destination and length of stay. Most travel insurance companies have 2 to 3 tiers of plans at different price points, with varying comprehensiveness and reimbursement limits.

Step 4

Consider special activities coverage

Bali is a great place for many activities including water sports and extreme sports, but the breadth of coverage needed largely depends on your Bali itinerary. For instance, if you’re planning to go skydiving over Kuta Beach, make sure you get a policy that covers aerial sports like MSIG’s TravelEasy® Standard, Elite and Premier plans.

Step 5

Think about cover for trip cancellation, flight delay and damage/loss of baggage

While Bali is very tourist-friendly, snatch thefts are not uncommon in crowded tourist spots. Given that Bali is prone to earthquakes, coverage of damage or loss of belongings as well as trip cancellation or postponement and flight delay due to natural disasters are also important.

In what ways is travel insurance important during natural disasters or unexpected trip delays?

Claims for damaged/lost baggage and belongings

Row Blurb xaWhile most plans exclude disruptions caused by natural disasters, bad weather, or unforeseen events (Acts of God), some insurers offer better protection. Companies like Etiqa and DirectAsia have plans that reimburse you for lost or damaged luggage, even if your Bali adventure gets sidelined by a natural disaster. These plans typically have limits on how much they'll reimburse per item or category of belongings. These limits can vary depending on the company you choose, so be sure to check the details before you buy.

Extra protection for delays and cancellations

Such coverage features offer financial support if your trip gets cut short (curtailed) or cancelled due to a delay caused by natural disasters. This typically covers the non-refundable portion of your flights and hotels, minus any administrative fees, as long as the cancellation happens within 30 days of your planned departure.

Medical coverage on-the-go

Some travel insurance plans, like those offered by Etiqa and DirectAsia, can provide coverage for medical expenses if you're injured, either directly or indirectly, due to a natural disaster. There are also inclusions or add-ons like personal accident coverage benefits that cover you for certain types of infectious diseases like dengue or malaria when you get infected during your trip.

Reimbursement usually goes to the medical facility that treated you (overseas or in Singapore), or to your designated beneficiaries. There's usually a timeframe for starting treatment after returning to Singapore, thus, and the amount covered depends on the specific plan you choose. Thus, be sure to check the specific details and discuss these details with your insurer to ensure you're adequately covered.

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Best Bali Travel Insurance

Providing some of the most affordable travel insurance plans in Singapore, FWD offers 3 types of travel insurance plans for you to choose from – Premium, Business and First. FWD’s COVID-19 Enhanced Travel Benefits add-on covers up to $100,000 in COVID-19 medical expenses incurred during/after your trip. Besides that, you can look forward to their cashless medical claim service, 180-day advance purchase, Emergency medical evacuation and many other benefits.
Despite being a relatively new player in Singapore’s travel insurance scene, Etiqa offers some of the most comprehensive and cheapest travel insurance plans in Singapore, with pre-existing coverage of up to $1,000,000 for claims relating to pre-existing medical conditions such as injury or illness sustained during the trip. There are four Tiq Travel insurance plans that come with the option of a COVID-19 travel insurance add-on coverage of up to $100,000.
Starr TraveLead Travel Insurance is known for its highly personalised signature range of travel insurance, comprising three types of plans — Bronze, Silver and Gold. All plans include COVID-19 medical expenses and COVID-19 related trip cancellation coverages, as well as in and outpatient treatments abroad coverage, personal accident benefit of up to $500,000 for accidental death and disablement and many more. Note that all Starr TraveLead insurance plans with COVID-19 overseas medical expenses coverage exclude China, Macau, Hong Kong, Taiwan.
Allianz Travel Insurance Singapore is actually one of Allianz Partners Group's overseas operations that provides travel insurance and assistance services with an extensive network across more than 78 countries. Its wide range of Single Trip travel insurance plans and Annual Multi-Trip packages, as well as its 24/7 Emergency Medical Assistance service, which is included in its Comprehensive Bronze, Comprehensive SIlver and Comprehensive Platinum plans, are suitable for solo trips, groups and families travelling together.
Like Etiqa, MSIG is among the few insurers in Singapore that offers travel insurance coverage for pre-existing conditions. Its TravelEasy® plans comprise of the Standard, Elite, and Premier categories, with its TravelEasy Pre-Ex® benefits provided as an add-on option. Some of the highlights of its TravelEasy® plans include COVID-19 travel insurance coverage, overseas and post-trip medical expenses, extreme sports coverage, replacement of traveller coverage, coverage for insolvency of licensed travel operator, emergency medical evacuation, delayed departure and more.
Singlife with Aviva travel insurance plans are available in 3 tiers: Lite, Plus and Prestige, all of which provide a generous payout for overseas medical expenses due to COVID-19. Being sold under the Aviva brand, which is the renowned life insurance provider for those doing National Service, it offers great discounts to NSmen who opted in to the Aviva voluntary insurance scheme, i.e. a 30% off, which makes the plans even more affordable. Moreover, the 30% discount also applies to immediate family members (parents, siblings, spouse, kids) too.
With affordable plans from as little as $4 a day for travel insurance, MoneySmart’s Bubblegum insurance mobile app gives you the convenience of getting your travel insurance on the go anytime, anywhere. You’ll also be able to customise your plan with optional add-ons, and get a quote in minutes. If you are going for adventurous activities like scuba diving and hot air ballooning during your trips, such aspects are covered in Bubblegum’s travel insurance with no limit on depth or height.

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Best Bali Travel Insurance Benefits Coverage

Some insurance plans come with affordable premiums, while others are known for their pre-existing conditions coverage or even having the highest overseas medical coverage in the market. Let’s take a look at what’s available for specific types of coverage, which can be useful as you decide on a suitable plan for your Bali trip.

*The estimated premium rates in the table below are based on a 4D3N single trip plan to Bali.

Best Travel Insurance Plans For Bali 2024

Best forTravel insurance planEstimated premium rate
Overseas medical coverageAllianz Travel travel insurance plansFrom $36
Flight diversion/cancellation/postponementSinglife Travel Plus and Prestige plansFrom $51
Overall good valueBubblegum Travel Insurance plansFrom $34
Budget travelFWD Premium plan From $22
Extreme sportsStarr TraveLead Comprehensive plansFrom $30
Family with childrenDirectAsia travel insurance plansFrom $30
Travelling while pregnantMSIG TravelEasy Pre-Ex plansFrom $44.50
ElderlyTiq by Etiqa travel insurance plansFrom $27
Pre-existing conditionsMSIG TravelEasy Pre-Ex plansFrom $44.50
COVID-19 coverageAIG Travel Guard plansFrom $38
*Estimated premium rates are based on a 4D3N single trip plan to Bali, data last updated on 10 October 2023.

What Is The Average Cost Of A Travel Insurance To Bali?

With so many travel insurance plans that offer COVID-19 coverage benefits, it can get a little daunting trying to decide on one, considering the wide variety at different price points. 

To get you started, let’s use an example to illustrate (with our round-up of the 6 best travel insurance plans with COVID-19 coverage in Singapore). Assuming that you’re planning to go for a 4D3N trip to Bali with your friends, and you’re getting a single trip insurance plan for yourself.

Travel insurance providerOverseas medical expensesPost-trip medical expensesLoss/damage of personal baggageTrip cancellationTotal premium
FWDUp to $200,000Up to $6,000Up to $3,000Up to $7,500$22
StarrUp to $200,000Up to $15,000Up to $3,000Up to $5,000$30
BubblegumUp to $100,000Up to $10,000Up to $3,000Up to $5,000$34
AllianzUp to $200,000Up to $10,000Up to $3,000Up to $5,000$36
SinglifeUp to $250,000Up to $10,000Up to $3,000Up to $5,000$36
AIGUp to $100,000N.A.Up to $3,000Up to $5,000$38
*Estimated premium rates are based on a 4D3N single trip plan to Bali, data last updated on 10 October 2023.

As you compare across the 6 travel insurers’ benefits and premiums, the average cost of a travel insurance plan with COVID-19 coverage for a 4D3N Bali trip is about $33, assuming that we take the most basic plan offered by each travel insurance provider.

Estimated average cost of a travel insurance plan:

$34 + $36 + $36 + $30 + $38 + $22 = $196

$196 Ă· 6 = $32.67

FWD, Starr and Bubblegum may be more suitable if you’re looking at more cost-efficient options. Moreover, the medical expenses coverage by Starr is quite extensive with a maximum limit of $200,000, compared to others with a maximum claim benefit of up to only $100,000. If you’re looking for even more comprehensive coverage for medical expenses in the situation that you encounter an unexpected severe illness or injury, Singlife’s Prestige plan has the highest coverage limit of $250,000.

As for claiming benefits for trip cancellation, FWD will provide the most coverage of up to $7,500 for you in their most basic plan, while Singlife's higher tier plans i.e. Plus and Prestige plans cover trip cancellation for any reason (terms and conditions apply).

About Bali in Indonesia

Bali is a popular tourist destination just 2 hours and 40 minutes away from Singapore. Aside from temple-hopping, cafe-hopping and bar-hopping, Bali offers opportunities to do sea sports, hike on a volcano or take part in a spur-of-the-moment yoga class.

The island is along the Ring of Fire, so when visiting Bali, you may encounter earthquakes and on rare occasions, tsunamis. This does not mean you should avoid travelling to Bali at all costs. The reality is that every travel destination bears some risk. What you could do is to read up on what to do when an earthquake strikes and purchase a comprehensive travel insurance plan that covers situations when you need to postpone, cancel or shorten your trip.

Getting around Bali is relatively safe and trouble free. Some tourists like to rent a scooter (sometimes illegally) to get around places, but take note that you have to bear the risk if you do that, as no travel insurance plan covers accidents that happen when the insured person is not licensed for the mode of travel. The safer way might be to take legitimate Bluebird taxis that ply the roads in Bali.

Frequently Asked Questions

Does insurance cover Bali volcano?

If your travel insurance states that it covers trip cancellation and shortening of trip due to natural disasters, then yes, you are covered for any contingencies that arise due to Bali volcanic eruptions. Take note that all insurers will require that you bought the insurance policy before a warning was issued through a relevant authority or a media publication. So, don’t wait until you’re about to board the flight to buy travel insurance in a hurry. Do it as soon as you have confirmed your flight and accommodation!

Do you need travel insurance for Bali?

Travel insurance acts as a safeguard against any flight delays, injury, death, sickness, loss of personal belongings when you are travelling. You should get travel insurance whenever you travel, but especially if you are flying on a budget airline or going to a natural disaster prone area like Bali.

What is the best time to go to Bali?

Bali is sunny all year round, but the island does have wet and dry seasons. The best time to visit Bali would be between the months of April to October, when there is low humidity and little rain. That said, even during the wet season you may find that the rain provides some cool respite from the heat. There isn't really a bad time to go to Bali.

If I rent a scooter in Bali, will it be covered?

Yes and no. It depends on the type of travel insurance plan that you’ve purchased and the add-ons that you got for your plan. Most travel insurance plans only provide car rental excess cover for vehicle rental coverage.

Is Bali safe to visit?

Yes and no. Travelling to and within every travel destination will involve some risks. As Bali is situated along the Ring of Fire, earthquakes are quite common and on rare occasions, tsunamis do take place. Despite these natural disasters, Bali is a popular tourist destination.