Best Travel Insurance for Bali (Indonesia) 2020

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 that you purchase travel insurance before you fly. Wondering if there is a best travel insurance policy for Bali? We're here to help.

Masthead Image

FWD Premium Travel Insurance

  • Overseas Medical Expenses

  • Loss/Damage of baggage

  • Trip Cancellation

If you are strapped for money, you should go for FWD Premium. It covers adventure activities as long as it isn’t competitive sports, or hiking above 3,000m above sea level.

With such low premiums, its coverage is value-for-money. Trip cancellation is covered up to $7,500 and loss/damage of baggage is also covered up to $3,000.

It costs $15.12 for a single-trip plan covering a 5-day trip to Indonesia.

MoneySmart Exclusive: Get $3 cash when you buy this plan! Claim here. Valid till 28 Jan 2020.

Etiqa’s Tiq Travel Insurance

  • Overseas Medical Expenses

  • Loss/Damage of Baggage

  • Trip Cancellation

ETIQA’s basic plan is an affordable travel insurance plan that covers adventure activities such as hot air balloon ride, parachuting, bungee jumping, hang-gliding, paragliding, hiking (under 3,000m) and scuba diving under the supervision of a qualified diving instructor (not deeper than 30m).

It costs $17.05 for a 5-day single-trip plan to Indonesia. One downside is that the compensation for loss/damage of baggage is lower at $2,000. So it's really more for budget travellers who travel light.

For more comprehensiveness, the Premier Plan covers medical, surgical, nursing and hospital charges up to $150,000 with no excess or co-payment needed.

MSIG TravelEasy Elite Travel Insurance

  • Overseas Medical Expenses

  • Loss/Damage of Baggage

  • Trip Cancellation

For your next trip to Bali, MSIG TravelEasy Elite plan provides comprehensive coverage that states in no uncertain terms that adventure activities such as bungee jumping, sky diving, paragliding, jet skiing and white-water rafting and diving are covered. The only conditions are that they must be conducted for leisure and non-competitive purposes and under a licensed operator according to proper safety guidelines. Take note that if you’re hiking, this plan only covers up to 3,000m above sea level.

The plan starts from $17.60 for a 3-day trip to Southeast Asia.

A perk of this plan is that MSIG TravelEasy will pay for the cost of prepaid or unused portion of entertainment tickets that was meant to be used, but weren’t due to reasons such as death, serious injury and natural disasters (within 30 days before the trip or during the trip). This is really good for a place like Bali.

Compare Single-Trip Travel Insurance Plans for a 5-Day Trip to Bali, Indonesia

Benefits FWD Premium ETIQA Basic MSIG TravelEasy Elite
5-day single-trip premium$15.12 ($3 cash)$17.05 (45% off) $22.80 (60% off)
Overseas medical coverage $200,000 $200,000 $500,000
Trip cancellation $7,500 $2,000 $5,000
Loss/Damage of Baggage $3,000 $5,000 $10,000

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.

How to choose travel insurance for Bali (2020)

  • Coverage for adventure activities

    There are tons of fun adventure activities you can try in Bali. Get a travel insurance policy that covers all activities laid out in your itinerary, so you can have fun with complete peace of mind.

  • Damage and loss of belongings

    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 due to natural disasters is also important.

  • Trip cancellation, trip postponement, shortening trip, flight delay

    The most recent travel complication for travellers to Bali was volcanic ash from periodic eruptions of Mount Agung, which caused flights to be cancelled. Back in 2004, there was a large-magnitude quake that triggered a tsunami and in 2002, there were terrorism attacks along the shore of Kuta. For comprehensiveness, look for travel insurance with considerable coverage in the areas of trip cancellation, trip postponement, shortening of your trip and flight delay.

How to choose travel insurance for Bali (2020) How to choose travel insurance for Bali (2020)

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.

Is it dangerous to travel to Bali now?

Not exactly. Bali is very tourist-friendly and it's summer all-year. There is no danger of travelling to Bali at the moment. To be extra cautious, look out for Bali news closer to your travel date.

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.