Travel Insurance for Bali
Bali’s beaches, temples, and outdoor adventures draw millions of visitors each year, but its tropical climate, limited rural healthcare, and active natural environment can create unexpected challenges for travelers. Having travel insurance in place can help you manage medical emergencies, medical evacuations, or trip interruptions that may arise during your stay.
Do You Need Travel Insurance for Bali?
Travel insurance is not legally required for travel to Bali, but it is strongly recommended for international visitors (U.S. Department of State). Beyond covering medical emergencies and trip disruptions, it can provide support if you face unexpected events while abroad.
Bali’s natural beauty comes with certain risks, as stated by On Call International*, including active volcanoes, occasional earthquakes, and powerful coastal currents. Petty theft can occur in crowded markets and tourist areas, and rare instances of violent crime have been reported. These factors make coverage for emergency medical care, evacuation, and theft a practical safeguard for travelers.
Key Benefits to Look for in Travel Insurance for Bali
It’s important to carefully evaluate each policy because coverage details and limits can significantly vary between plans. Here are some key benefits to look out for when considering travel insurance for Bali:
- Emergency medical treatment and evacuation. Natural hazards like earthquakes and tsunamis, as well as water incidents from riptides, can lead to life-threatening injuries that may require emergency medical evacuation. Choosing a plan with a strong medical limit can help provide access to private urban care centers and also to receive treatment if you fall ill or get injured.
- Coverage for theft of belongings. Pickpocketing and credit card theft have been reported in street markets around Ubud and in the towns of Lovina and Singaraja, and in specific night markets in Denpasar. It can be helpful to look for plans that consider loss or theft of phones, wallets, and travel documents.
- Trip cancellation or interruption. Volcanic activity, seismic events, or regional security incidents can disrupt flights and itineraries. A policy with trip protection can help you recover prepaid, nonrefundable expenses.
- 24/7 assistance. Access to round-the-clock support is valuable if you need help locating care, arranging safe transport, or navigating local logistics after an incident.
- Adventure and water activities. If you plan to surf or engage in adventure sports, be sure to review the coverage details to know if the policy excludes it.
What Type of Travel Insurance is Right for Your Trip?
Selecting the right travel insurance begins with knowing the two primary types: comprehensive trip protection and travel medical insurance.
A comprehensive trip protection plan can cover both your prepaid travel expenses such as flights, hotels, and excursions, and it also provides medical benefits for unexpected illnesses, injuries, or medical evacuations. Trip protection can be a better fit for travelers who are more concerned about disruptions, delays, or cancellations that could cause them to lose money or face extra costs.
For example, with WorldTrips comprehensive trip protection plan, Atlas Journey, if you need to cancel your trip or if your trip is disrupted for a covered reason, you may be reimbursed for non-refundable trip costs.
Travel medical insurance on the other hand, provides coverage for unexpected illnesses or injuries while traveling with some limited trip benefits like for lost checked luggage or travel delays.
For instance, with Atlas Travel insurance, you’ll be able to utilize Air Doctor, a service that connects you to telehealth consultations, in-clinic care, or even in-hotel visits during your trip. These plans are designed with flexibility in mind, allowing you to select your deductible and coverage limits based on your destination, length of stay, and budget.
Travel Medical Insurance
Atlas Travel
Designed for international travelers who need travel medical insurance coverage while abroad. Choose your deductible and coverage limits to match your destination, length of stay, and budget.
Highlights
- Coverage for New Illnesses, Injuries, and Accidents
- Emergency Medical Evacuation
- Emergency Dental
- Accidental Death & Dismemberment
- Lost Checked Luggage
- NO Trip Cancellation
- Pre-existing Conditions Generally Excluded**
Trip Protection Plans
Atlas Journey
A great option for U.S. residents looking for trip protection. Trip insurance includes benefits for trip cancellation, interruption, delays, and emergency medical care.
Highlights
- Trip Cancellation
- Trip Interruption
- Trip Delay
- Missed Connection
- Medical: Accident and Sickness
- Emergency Evacuation
- Baggage Damage or Loss
- Pre-existing Conditions Waiver Available**
Why Choose WorldTrips for Your Bali Travel Insurance?
With WorldTrips, you can explore with confidence knowing that you have coverage backed by a trusted reputation and global expertise.
Global Experience
For more than 30 years, WorldTrips has delivered international travel insurance to over 5 million travelers, including students, families, and professionals alike. As part of Tokio Marine HCC, we offer the financial stability and reliability that travelers look for. WorldTrips has an A++ rating (Superior) from AM Best, solidifying its financial stability amongst top travel insurance companies.
Flexible Coverage Options
Every journey is different, so we offer plans that fit a variety of needs. Choose from plans that include benefits for medical expenses, trip cancellations or interruptions, lost luggage, and more. Whether you’re on a quick getaway, studying abroad, visiting loved ones, or embarking on an extended adventure, we have travel insurance options for your travel style and budget.
Worldwide Network of Care
Feel supported wherever you go with access to medical providers in more than 190 countries and 24/7 multilingual emergency assistance. From coordinating emergency medical evacuations to connecting you with local doctors, our team is ready to help. Through partnerships with trusted networks like Air Doctor, we make it easier to find quality care abroad from finding doctors and specialists to scheduling video or in-person appointments.
Reliable Claims Service
Our online claims process is designed for ease and transparency to help you get reimbursed promptly for eligible expenses. We provide you with a Description of Coverage at the time of purchase, so you are aware of what's covered and excluded ahead of time.
At WorldTrips, our goal is simple: to help you focus on the adventure ahead and provide support in the event of unexpected circumstances.
Here’s what our customers had to say:
- “It was the easiest thing I’ve ever done with insurance. No hassle, no stress—just coverage when we needed it most. With Atlas Journey, we didn’t have to fight for what was rightfully covered under our policy.” - Kyleigh
- "The team was fabulous. With Atlas Journey’s trip interruption coverage, they found flights, booked hotels, arranged transportation, and made sure I caught up with my cruise—even four days late. Without that coverage, I probably would have gone home and lost the entire trip." - Linda
WorldTrips brings together decades of experience, worldwide resources, and a dedication to exceptional customer support. Whether you’re heading to Bali for a quick getaway or a longer stay, you can travel confidently knowing you have coverage.
Healthcare in Bali
The quality of care at Bali’s private hospitals has improved significantly over the years. English is commonly spoken at these facilities, and they often utilize more modern equipment and offer a wider range of services compared to public hospitals in more rural areas.
However, according to the U.S. Department of State, ambulance services may be limited in some areas, which can slow down emergency response times. Medical facilities often require upfront payment, even in emergencies, and life-saving medical procedures may require emergency medical evacuation to another country.
Travelers should keep prescription medications in their original packaging and carry supporting documentation, as Indonesian authorities may classify certain commonly used medications as controlled or illegal substances.
If you need medical care while in Bali, with WorldTrips you can visit any healthcare provider of your choice for eligible medical benefits without network restrictions. Simply pay the provider directly and submit a claim for reimbursement consideration. Be sure to keep the following documents for your claim:
- Itemized medical bills with diagnosis details
- Medical records, including prescriptions
- Receipts for payments made
- Doctor’s note if your condition impacted your travel plans (if applicable to your claim)
“WorldTrips is the best travel insurance company of 2024, based on our analysis of cost and coverage options.”
Swim where lifeguards are present and obey beach flags. Some beaches have strong undertows and riptides. Never swim where red flags are posted.
Avoid locally brewed Arak. Methanol contamination is a known risk if the beverage is not brewed correctly.
Guard your valuables. Pickpocketing and credit card theft are reported in Ubud’s street markets and the towns of Lovina and Singaraja. In Denpasar, use extra caution around Kereneng Night Market and Kumbasari Night Market.
Be alert at transport hubs. Luggage theft is common at bus terminals. Keep bags in sight and secured.
Use care after dark. Bali’s nightlife is lively, but traveling alone at night is discouraged. Stick to well-lit areas and reputable transport.
Stay situationally aware. Kidnappings are rare but have occurred; maintain normal precautions and stay aware of your surroundings.
Plan your airport transfer. DPS is on the southern edge of the Denpasar area. Shuttle buses run to many destinations, and ridesharing apps exist but may be limited, often focusing on tourist zones. Confirm options in advance, and keep belongings close in bus areas.
Choose safe routes and reputable providers. Book certified drivers through your hotel or a trusted desk, especially at night.
Monitor local conditions. Bali is home to multiple active volcanoes and is prone to earthquakes and potential tsunamis. Follow local guidance and prepare for itinerary changes if alerts are issued.
Be smart in a crowd. Use anti-theft bags, split cards and cash, and avoid displaying valuables.
Stay informed about demonstrations. Protests do occur and are typically peaceful with a police presence, but they can still disrupt travel. Avoid large gatherings.
Ready to protect your Bali trip? Consider a WorldTrips plan with emergency medical, emergency medical evacuation, or trip protection features that fits your itinerary. Get a quote today and find the plan that is right for you!
* Country safety data provided by our trusted partner On Call International
** Pre Existing Condition Definitions
Pre existing condition definitions vary by plan type. Review the definition that applies to the product you are considering.
Comprehensive Trip Protection
(Atlas Journey, Atlas Cruiser, Atlas On the Go)
Pre existing condition means an illness, disease, or other condition during the 90 day period immediately before your coverage effective date for which you did any of the following:
• received a test, examination, or medical treatment
• received a recommendation for a test, examination, or medical treatment
• took or received a prescription for medication
Item (3) above does not apply to a condition that is treated or controlled solely through the use of prescription medication and remains treated or controlled without any change in required prescription throughout the 90 day period before your coverage effective date.
Change in required prescription means the dosage or frequency has been increased, reduced, stopped, and or new medication has been prescribed due to the worsening of the condition being treated. Exceptions include:
• switching between brand name and generic medication with equivalent dosage
• adjustments to insulin or anti-coagulant dosage
Pre-existing Condition Exclusion Waiver: Pre-existing conditions are excluded from coverage unless you meet both of these requirements: 1) you purchase your Atlas Journey Elevate or Explore plan within 21 days or purchase your Atlas Escape plan within 14 days of the date you made your first payment toward your trip; and 2) you are medically able to travel on your coverage effective date.
If you do not purchase your Atlas Journey plan within the required time period, a 90-day lookback period will apply to pre-existing conditions. Coverage varies by plan and state of residency. Please review the policy documents specific to your plan and state of residency for a full list of covered reasons, conditions, and exclusions.
Travel Medical Insurance
(Atlas Travel, Atlas Premium, Atlas Nomad, Atlas MultiTrip, Atlas America)
Pre-existing Conditions are excluded except for an applicable Acute Onset of a Pre-existing Condition.
Pre existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance. This applies whether or not the condition was previously manifested, symptomatic, known, diagnosed, treated, or disclosed, and includes any subsequent, chronic, or recurring complications or consequences related to the condition.
An Acute Onset of a Pre-existing Condition means a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time is not acute onset of a pre-existing condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) was told that he/she must or should receive, any medical care, drugs or treatment.
* Country safety data provided by our trusted partner On Call International
** Pre Existing Condition Definitions
Pre existing condition definitions vary by plan type. Review the definition that applies to the product you are considering.
Comprehensive Trip Protection
(Atlas Journey, Atlas Cruiser, Atlas On the Go)
Pre existing condition means an illness, disease, or other condition during the 90 day period immediately before your coverage effective date for which you did any of the following:
• received a test, examination, or medical treatment
• received a recommendation for a test, examination, or medical treatment
• took or received a prescription for medication
Item (3) above does not apply to a condition that is treated or controlled solely through the use of prescription medication and remains treated or controlled without any change in required prescription throughout the 90 day period before your coverage effective date.
Change in required prescription means the dosage or frequency has been increased, reduced, stopped, and or new medication has been prescribed due to the worsening of the condition being treated. Exceptions include:
• switching between brand name and generic medication with equivalent dosage
• adjustments to insulin or anti-coagulant dosage
Pre-existing Condition Exclusion Waiver: Pre-existing conditions are excluded from coverage unless you meet both of these requirements: 1) you purchase your Atlas Journey Elevate or Explore plan within 21 days or purchase your Atlas Escape plan within 14 days of the date you made your first payment toward your trip; and 2) you are medically able to travel on your coverage effective date.
If you do not purchase your Atlas Journey plan within the required time period, a 90-day lookback period will apply to pre-existing conditions. Coverage varies by plan and state of residency. Please review the policy documents specific to your plan and state of residency for a full list of covered reasons, conditions, and exclusions.
Travel Medical Insurance
(Atlas Travel, Atlas Premium, Atlas Nomad, Atlas MultiTrip, Atlas America)
Pre-existing Conditions are excluded except for an applicable Acute Onset of a Pre-existing Condition.
Pre existing condition means any injury, illness, sickness, disease, or other physical, medical, mental, or nervous disorder, condition, or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 2 years prior to the effective date of this insurance. This applies whether or not the condition was previously manifested, symptomatic, known, diagnosed, treated, or disclosed, and includes any subsequent, chronic, or recurring complications or consequences related to the condition.
An Acute Onset of a Pre-existing Condition means a sudden and unexpected outbreak or recurrence that is of short duration, is rapidly progressive, and requires urgent care. A pre-existing condition that is a chronic or congenital, or that gradually becomes worse over time is not acute onset of a pre-existing condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) was told that he/she must or should receive, any medical care, drugs or treatment.
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WorldTrips is a member of the Tokio Marine HCC group of companies. WorldTrips international travel medical insurance products are underwritten through binding authorities with TMHCC (CI) Insurance SPC Ltd and Houston Casualty Company (HC).