Importance Of Travel Insurance For Bali Visitors

Posted on: Jul 3, 2025 | 3 mins | Written by: HDFC ERGO Team

Importance Of Travel Insurance For Bali Visitors

Bali's beaches, lined with palm trees, holy temples, and lively nightlife, bring in millions of tourists annually. But even though it looks like heaven, problems can happen below the surface. These can be anything from sudden medical problems to natural disasters that make it impossible to go on a trip.

Because of this, getting a travel coverage policy is not just a nice thing to do; it's a necessity for travelling. This guide shows why travel insurance for Bali isn't a nice-to-have but a must-have for anyone wanting a stress-free holiday.

The Reality of Travel Risks in Bali

While travelling to Bali can be exciting, some risks can make your trip fail or cost you a lot of money. This is what most tourists have to deal with:

• Health Emergencies: Local hospitals may ask tourists who don't have health insurance to pay upfront in cash.

• Adventure Mishaps: People like to go scuba diving, surfing, and bush hiking in Bali, all of which are dangerous activities.

• Natural Disasters: It is common for volcanoes and earthquakes to happen in Bali because it is on the Pacific Ring of Fire.

• Flight Delays & Lost Baggage: A rising number of connecting flights to Bali are long-haul, which raises the risk of delays or lost bags.

• Theft & Petty Crimes: Thefts and bike crashes happen sometimes in Bali tourist spots.

If you have travel coverage for Bali, you won't have to pay for all these problems alone.

Medical Coverage: A Top Priority in Bali

Bali doesn't have a national health care system that covers tourists. A good insurance plan will cover these things:

• Medical care and emergency removal

• Consulting with a doctor and pharmaceutical drugs

• Insurance coverage for COVID-19-related care

• If needed, an air aid can take someone to another country

Hospitals like BIMC and Siloam charge foreign prices. A solid plan protects you from high bills.

Adventure Activities and Sports Coverage

Those who love excitement will love Bali:

• Going surfing in Uluwatu

• Scuba diving close to Nusa Penida

• White water rafting on the Ayung River

• Sunrise hikes on Mount Batur

Before doing outdoor sports:

• Check your insurance to see if it covers specific activities.

• Wear the proper safety gear.

• Only opt for licensed and approved workers.

Travel Delays, Cancellations & Lost Baggage

Travel risks increase with international layovers:

• Not making connecting flights

• Delays caused by bad weather

• Mishandling of baggage

• Trip cancellation and shortening

• Reimbursement for long delays and hotel layovers

Natural Disasters: Volcanic Eruptions & Earthquakes

• Cancellations of flights with no refund

• Longer stays in hotels because of closed airspace

• Costs of emergency evacuation

Ensure your policy includes natural disaster coverage.

COVID-19 & Pandemic-Specific Coverage

• Compensation for quarantine

• Paying for COVID treatment

• Cancel for Any Reason (CFAR) options

Legal & Liability Protection

• Covers third-party injuries

• Bike/car rental damages

• Legal fees support for disputes

Special Considerations for Senior Citizens and Families

• Kids: vulnerable to tropical diseases

• Seniors: may need pre-existing condition cover or mobility aid

How to Choose the Right Travel Insurance Policy for Bali?

• Medical cover: At least INR 83,00,000

• Natural disasters: Essential in Bali

• Adventure sports: If you're planning any

• 24/7 support & easy claims process

• Reimbursement for delays, cancellations, lost items

Before deciding:

• Read all exclusions

• Compare insurers

• Review claim settlement ratios

Read our full guide: Bali: Your Gateway to an Unforgettable International Adventure

Conclusion

Your dream Bali trip can become a nightmare without insurance. A reliable travel insurance policy from travel insurance policy can prevent that. Don’t take the risk — ensure you travel covered and carefree.