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Best and Cheap COVID-19 Travel Insurance for Bali (Indonesia) 2023

Bali is a popular tourism destination in Indonesia among Singaporeans, and with the easing of travel restrictions during this pandemic, more travellers are returning to Bali. 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 what is the best travel insurance policy with Covid-19 coverage? Head over to Moneysmart to compare the best travel insurance plans.

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COVID-19 Travel Requirements To Enter Bali

Since the launch of VTL flights between Singapore and more than 30 countries (with Indonesia being one of them), there has been changes in requirements for travellers entering Bali, and that includes certified COVID-19 vaccination, the purchase of travel insurance with COVID-19 coverage, the type of certified hotels which you book, mandatory PCR tests, and other procedures which we will cover shortly.

Vaccination and quarantine requirements

Every tourist is required to have a proof (digital/ printed) of COVID-19 Vaccination, with the last dose taken 14 days before travelling to Bali. For those who are travelling with children who are below 18 years old, the children can follow the vaccination status of their parents or guardian.

If you’re fully vaccinated, which means 2 or more doses take, you don’t have to be quarantined and there isn’t a need to take a PCR test upon arrival at the airport too. However, if you’re partially vaccinated with only 1 dose (Johnson & Johnson counts as 2) you won’t be able to skip the quarantine procedure which lasts for 5 consecutive days in a certified hotel (CHSE) and the mandatory 2nd PCR test on day 4 of your quarantine.

If you’re diagnosed with COVID-19 within 30 days before departure to Bali, you just need to show an official letter or recovery certificate to prove that you’re not contagious anymore (recovery certificate). Then, you’ll be exempted to show any vaccination certificate or negative PCR test, but you’ll still need to undergo a PCR test upon arrival at Indonesia airports and, if it happens to turn out positive, you’ll be isolated in a hotel or hospital appointed by the Indonesian government.

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.

Staying at certified hotels (CHSE)

You’ll need to serve your quarantine period of 5 days in any of the CHSE hotels in Bali, only if you’re partially vaccinated with 1 dose. CHSE hotels are actually certified by the Indonesian government to accommodate tourists while following the quarantine regulations.

Requirements for Air Travel to Bali

Travelling by air to Bali includes several requirements that include:

  • A valid negative PCR test result (The test must be taken within 48 hours before your departure (airport where you board your flight to Bali)
  • Submission of personal information via the PeduliLindungi App and fill in the e-Hac international form in that app, (for you to provide your flight and other relevant information about where you stay etc.)
  • Purchase of Visa on Arrival sticker if necessary
  • Fill in the E-CD (Electronic Custom Declaration) to show to the immigration counters
  • Mandatory wearing of masks in public areas (shops, beaches, malls, to enter restaurants (not at the table), on the scooter, while walking on the streets)
  • Approved Visa on Arrival or B211A Visa if necessary
  • Medical insurance that covers COVID-19 related medical and evacuation expenses
  • If your personal medical or travel insurance does not cover this for Indonesia, you can purchase a local insurance Jagawisata, which costs IDR 500,000 and covers medical costs of up to IDR 500,000,000 for 30 days

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How To Choose Travel Insurance With COVID-19 Coverage For Bali?

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

Check your latest vaccination status

You’ll need to take your booster dose even if you’re fully vaccinated with the previous 2 or more doses, so as to retain your fully vaccinated status. Your last dose must also be taken 14 days before travelling to Bali. It’ll be worth the effort to ensure you’re fully vaccinated so that you can skip the quarantine process and to the PCR test upon arrival at the airport.

However, if you’re partially vaccinated with only 1 dose, you’ll need to go through the quarantine procedure which lasts for 5 consecutive days in a certified hotel (CHSE). Do check whether your vaccination doses are by AstraZeneca, Pfizer-BioNTech or Johnson & Johnson as the doses by different manufacturers have different requirements, for e.g. 1 dose of Johnson & Johnson counts as 2 doses, vice versa.

Step 2

Ensure overall coverage including COVID-19 extension

Price is important when considering a COVID-19 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 3

Consider any pre-existing conditions

COVID-19 related situations 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 if you’re diagnosed with COVID-19.

It’s best to look for a travel insurance plan with COVID-19 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 4

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 5

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 6

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.

Best Bali Travel Insurance With COVID-19 Coverage

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 2023

Best forTravel insurance planEstimated premium rate
COVID-19 coverageAllianz Travel Comprehensive plans, Starr TraveLead Comprehensive plans$64 - $95 (Allianz’s plans inclusive of COVID-19 coverage), $25 - $42 (Starr’s plans inclusive of COVID-19 coverage)
Budget travelFWD Premium, Sompo Travel Essential$18 (FWD Premium), $49 (Sompo Essential)
Overall good valueBubblegum Travel Insurance$23
Extreme sportsMSIG TravelEasy® plans$37 - $71
Pre-existing conditionsTiq Pre-Ex Entry, Savvy and Luxury plans$93 - $147
Highest overseas medical coverageAIG Travel Guard® plans$30 - $54
Travelling while pregnantMSIG TravelEasy® Standard Pre-Ex, Elite Pre-Ex, Premier Pre-Ex plans$45 - $79
FamilyFWD First Family Plan$42
ElderlyMSIG TravelEasy® Standard Pre-Ex, Elite Pre-Ex, Premier Pre-Ex plans$45 - $79
Flight diversion/cancellation/postponementFWD Premium Plan$18

What Do Bali COVID-19 Travel Insurance Plans Cover And Not Cover?

The COVID-19 coverage benefits may vary from insurer to insurer, but the key aspects of coverage are often similar. As for the general exclusions, most are quite similar to plans without COVID-19 coverage prior to the pandemic.

Usually include:

  • Overseas COVID-19 diagnosis quarantine allowance
  • Overseas hospital cash due to COVID-19
  • Medical coverage due to COVID-19
  • Coverage for trip cancellation/postponement due to COVID-19
  • Emergency medical evacuation & repatriation

Usually exclude:

  • Pre-Existing conditions
  • Replacement of traveler or employee
  • Extreme sports / sports played in a professional or competitive capacity
  • Any travel against prohibitions/acts/travel alerts/bulletins by any government or public authority (except for specific COVID-19 situations)
  • Illegal activities resulting in a conviction

What Is The Average Cost Of A COVID-19 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 providerMedical expenses due to COVID-19 coverageOverseas quarantine allowance due to COVID-19Overseas hospital cash due to COVID-19Trip cancellation due to COVID-19Total premium
BubblegumUp to $150,000$100 per day$100 per dayUp to $5,000$23
FWDUp to $100,000N.A.$200 per dayUp to $1,000$18
AIGUp to $100,000$1,400 total capN.A.Up to $1,000$30 - $54
AllianzUp to $1,000,000N.A.N.A.Up to $15,000$64 - $95
StarrUp to $1,000,000 N.A.$200 per dayUp to $15,000 $25 - $42
SinglifeUp to $5,000,000$500 total cap$200 per dayUp to $20,000$32 - $63

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 $32, assuming that we take the most basic plan offered by each travel insurance provider.

Estimated average cost of a travel insurance plan:

$23 + $18 + $30 + $64 + $25 + $32 = $192

$192 ÷ 6 = $32

FWD, Starr and AIG may be more suitable if you’re looking at more cost-efficient options. Moreover, the medical expenses coverage by Starr and Allianz is quite extensive with a hefty maximum limit of $1,000,000, which are among the higher ones in these 6 travel insurances. If you’re looking for even more comprehensive coverage for medical expenses in the situation that you get diagnosed with COVID-19, Singlife’s Prestige plan has the highest coverage limit of $5,000,000.

As for claiming benefits for trip cancellation if you’re down with COVID-19, Singlife, Starr and Allianz will provide higher coverage of up to $20,000 and $15,000 respectively for you.

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.

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.

Does travel insurance cover PCR tests?

It really depends on the travel insurance provider you pick. For example, insurers like AXA and AIG do not cover expenses incurred for mandatory COVID-19 diagnostic tests or any pre-departure or post-departure testing.

However, there are a few insurers like MSIG that offer free PCR test coverage for some of their plans i.e. Annual Trip plans. Others like Income travel insurance offer COVID-19 (PCR) swab tests at $124.2 along with a series of other types of pre-departure tests.

Is having travel insurance with COVID-19 coverage better for travelling?

WIth the current pandemic situation, yes. Every country has its own prevailing entry requirements including required vaccination status, serving quarantine measures/Stay-Home Notice (SHN), undergoing a COVID-19 Polymerase Chain Reaction (PCR) test or Antigen Rapid Test (ART) and other related procedures to ensure a safe entry for travellers.

By having COVID-19 coverage in your travel insurance plan, it can provide you claim benefits for overseas medical expenses due to COVID-19, emergency medical evacuation & repatriation, overseas COVID-19 diagnosis quarantine allowance, overseas hospital cash due to COVID-19, trip cancellation/postponement/curtailment/disruption coverage due to COVID-19, and more.

How do I get COVID-19 coverage for my travel insurance?

There are many ways you can get COVID-19 coverage for your travel insurance. You may either get COVID-19 coverage as an add-on benefit or as part of an existing insurance plan, through your preferred travel insurance mobile app, website or insurance agent. Some travel insurance companies offer COVID-19 coverage as an add-on benefit to an existing plan, while others include COVID-19 coverage benefits in their range of travel insurance plans.

Will my quarantine stays be covered by travel insurance?

Most insurers do provide overseas quarantine allowance in the COVID-19 travel insurance plans that they offer.

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.