Best Travel Insurance for Bali (Indonesia) 2025
Travel Requirements To Enter Bali
VISA application
To travel to Bali as a tourist, youâll need to apply for an e-Visa on Arrival or B211A e-Visa, unless youâre 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 youâre 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 âVisa on Arrivalâ 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 youâre 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 youâre eligible for this Visa on Arrival application.
B211A Visa
Youâll 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.
We asked Singaporeans about flight disruptions, and they answered.
Top 10 Things To Do In Bali
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 itâs different from the usual coverage. If youâve 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.
Ensure sufficient coverage
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.
Itâs 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.
Compare policy premiums
Consider special activities coverage
Think about cover for trip cancellation, flight delay and damage/loss of baggage
In what ways is travel insurance important during natural disasters or unexpected trip delays?
Claims for damaged/lost baggage and belongings
Extra protection for delays and cancellations
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.
Best Bali Travel Insurance
Need a credit card for your upcoming trip?
Best Overseas Spending Credit Card
Best Air Miles Credit Card
Best Rewards Credit Card
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. Letâs take a look at whatâs 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 for | Travel insurance plan | Estimated premium rate |
|---|---|---|
| Best forOverseas medical coverage | Travel insurance planAllianz Travel travel insurance plans | Estimated premium rateFrom $36 |
| Best forFlight diversion/cancellation/postponement | Travel insurance planSinglife Travel Plus and Prestige plans | Estimated premium rateFrom $51 |
| Best forOverall good value | Travel insurance planBubblegum Travel Insurance plans | Estimated premium rateFrom $34 |
| Best forBudget travel | Travel insurance planFWD Premium plan | Estimated premium rateFrom $22 |
| Best forExtreme sports | Travel insurance planStarr TraveLead Comprehensive plans | Estimated premium rateFrom $30 |
| Best forFamily with children | Travel insurance planDirectAsia travel insurance plans | Estimated premium rateFrom $30 |
| Best forTravelling while pregnant | Travel insurance planMSIG TravelEasy Pre-Ex plans | Estimated premium rateFrom $44.50 |
| Best forElderly | Travel insurance planTiq by Etiqa travel insurance plans | Estimated premium rateFrom $27 |
| Best forPre-existing conditions | Travel insurance planMSIG TravelEasy Pre-Ex plans | Estimated premium rateFrom $44.50 |
| Best forCOVID-19 coverage | Travel insurance planAIG Travel Guard plans | Estimated premium rateFrom $38 |
| Best for*Estimated premium rates are based on a 4D3N single trip plan to Bali, data last updated on 10 October 2023. | Travel insurance plan |
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, letâs use an example to illustrate (with our round-up of the 6 best travel insurance plans with COVID-19 coverage in Singapore). Assuming that youâre planning to go for a 4D3N trip to Bali with your friends, and youâre getting a single trip insurance plan for yourself.
| Travel insurance provider | Overseas medical expenses | Post-trip medical expenses | Loss/damage of personal baggage | Trip cancellation | Total premium |
|---|---|---|---|---|---|
| Travel insurance providerFWD | Overseas medical expensesUp to $200,000 | Post-trip medical expensesUp to $6,000 | Loss/damage of personal baggageUp to $3,000 | Trip cancellationUp to $7,500 | Total premium$22 |
| Travel insurance providerStarr | Overseas medical expensesUp to $200,000 | Post-trip medical expensesUp to $15,000 | Loss/damage of personal baggageUp to $3,000 | Trip cancellationUp to $5,000 | Total premium$30 |
| Travel insurance providerBubblegum | Overseas medical expensesUp to $100,000 | Post-trip medical expensesUp to $10,000 | Loss/damage of personal baggageUp to $3,000 | Trip cancellationUp to $5,000 | Total premium$34 |
| Travel insurance providerAllianz | Overseas medical expensesUp to $200,000 | Post-trip medical expensesUp to $10,000 | Loss/damage of personal baggageUp to $3,000 | Trip cancellationUp to $5,000 | Total premium$36 |
| Travel insurance providerSinglife | Overseas medical expensesUp to $250,000 | Post-trip medical expensesUp to $10,000 | Loss/damage of personal baggageUp to $3,000 | Trip cancellationUp to $5,000 | Total premium$36 |
| Travel insurance providerAIG | Overseas medical expensesUp to $100,000 | Post-trip medical expensesN.A. | Loss/damage of personal baggageUp to $3,000 | Trip cancellationUp to $5,000 | Total premium$38 |
| Travel insurance provider*Estimated premium rates are based on a 4D3N single trip plan to Bali, data last updated on 10 October 2023. | Overseas medical expenses | Loss/damage of personal baggage | Trip cancellation | Total premium |
As you compare across the 6 travel insurersâ 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 á 6 = $32.67
FWD, Starr and Bubblegum may be more suitable if youâre 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 youâre looking for even more comprehensive coverage for medical expenses in the situation that you encounter an unexpected severe illness or injury, Singlifeâs 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, donât wait until youâre 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 youâve 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.