Heading to Bali? Compare travel insurance policies designed for Kiwis travelling to Indonesia – covering medical expenses, scooter accidents, natural disasters, trip cancellations, and more.
the benefits
Medical costs in Bali can be significant, and a medical evacuation back to New Zealand can cost tens of thousands of dollars. A comprehensive Bali travel insurance policy covers emergency medical treatment, hospitalisation, and repatriation, so a medical emergency won’t become a financial one.
Hiring a scooter or motorbikeis one of the most popular ways to get around Bali, and one of the most common causes of serious injury for tourists. Your travel insurance will cover medical expenses arising from a scooter accident, provided you hold a current, valid New Zealand licence that is recognised in Indonesia and are wearing a helmet at the time. Just be aware that riding without a valid licence or helmet will void your cover entirely.
Indonesia is one of the world’s most volcanically active regions, and ash clouds, earthquakes, and tsunamis have all disrupted Bali holidays in recent years. A comprehensive travel insurance policy purchased before a natural disaster is publicly announced covers trip cancellations, flight delays, and additional expenses, so an act of nature won’t leave you out of pocket.
Petty crime, like opportunistic theft, is common in Bali – particularly in popular tourist areas. A comprehensive travel insurance policy covers lost, stolen, or damaged luggage and personal belongings (including theft of cash and travel documents) giving you financial protection against one of the most frequent travel mishaps in the region.
If your transport is delayed due to an unforeseen event, travel insurance covers your out-of-pocket accommodation, meals, and transport expenses until you’re back on track. And if a close relative or travelling companion at home becomes seriously ill, injured, or passes away while you’re in Bali, your travel expenses back home would also be covered.
Our Bali travel insurance comparison is completely free to use. You’ll be directed straight to the insurer’s website to complete your purchase at their direct price – no markups, no surprises.
Key Considerations
Riding a scooter or motorbike in Bali without the appropriate licence and helmet will void your travel insurance cover for any related incident. And licensing requirements vary between insurers; some will cover you for low-capacity engines (50cc to 125cc) without a motorcycle licence, while others require a valid New Zealand motorcycle licence that is recognised in Indonesia regardless of engine size. Always check your policy’s specific conditions before hiring a scooter or motorbike.
When obtaining a quote for Bali specifically, selecting ‘Bali’ as your destination rather than ‘Indonesia’ may result in a lower premium, as some insurers price Bali separately from the broader Indonesia region. However, if your trip includes other Indonesian islands such as Lombok or the Gili Islands, select ‘Indonesia’ rather than ‘Bali’ to ensure you’re covered for all destinations you plan to visit.
Bali travel insurance typically covers unforeseen natural disasters but only if the event was not publicly known at the time you purchased your policy. If a volcanic eruption, earthquake, or tsunami warning has already been widely reported in the media before you buy, it will be considered a “known event” and claims related to that specific incident are unlikely to be covered. This is why purchasing travel insurance as soon as you book your trip is strongly recommended.
The New Zealand Government’s SafeTravel website issues travel advisories for Indonesia, including Bali, and it’s important to check these before and during your trip. Travelling against a Do Not Travel warning issued by the New Zealand Government will generally void your travel insurance cover for any incidents arising in the affected area.
Pre-existing medical conditions must be declared when purchasing Bali travel insurance. Some conditions may be covered automatically, while others require a medical assessment or attract an additional premium. Given the health risks specific to Bali (including food-related illness, dengue fever, and the physical demands of adventure activities) it’s especially important to declare all relevant conditions upfront to ensure your cover remains valid.
There are several practical ways to reduce the cost of Bali travel insurance. Selecting ‘Bali’ rather than ‘Indonesia’ as your destination (when you’re only visiting Bali) may result in a lower premium with some insurers. Travelling with a partner or friend? A joint policy is often cheaper than purchasing individually. Increasing your excess can also lower your premium, and frequent travellers may find that an annual multi-trip policy offers better value than purchasing a separate policy for each trip.
further reading
Expert guides to help you make an informed decision about your travel cover.
Missed a flight? Find out exactly when travel insurance covers it, what's excluded, and how to claim, plus tips to avoid missing your next flight.
Read full guideget answers
The cost of Bali travel insurance varies depending on your age, trip duration, and the level of cover you choose. Not to mention, prices vary significantly between insurers. Using our free comparison tool is the most reliable way to find competitive, up-to-date quotes for your specific trip. All prices are subject to change and should be verified at the time of purchase.
While travel insurance is not a legal requirement for entry to Indonesia, it is strongly recommended. You are not covered by Health New Zealand (Te Whatu Ora) or ACC in Indonesia, and the New Zealand Government will not cover medical costs or emergency evacuation if something goes wrong. A medical evacuation from Bali back to New Zealand alone can cost tens of thousands of dollars, making even a basic medical-only policy a worthwhile investment for any Bali trip.
Yes, provided you meet your insurer's licensing requirements. Some insurers cover low-capacity bikes (50cc to 125cc) without a motorcycle licence, while others require a valid New Zealand motorcycle licence recognised in Indonesia regardless of engine size. Riding without the appropriate licence or without a helmet will void your cover for any related incident, so always check your policy’s specific conditions before hiring a scooter and never ride without a helmet.
Yes, provided you purchase your policy before the natural disaster occurs or is publicly announced. Indonesia is one of the world’s most seismically active regions, and volcanic eruptions, ash clouds, earthquakes, and tsunamis can all disrupt travel to Bali. A comprehensive policy will cover trip cancellations, additional travel expenses, and other costs incurred as a result of a covered natural disaster. However, if the event has already been widely reported in the media at the time of purchase, it will be considered a “known event” and related claims are unlikely to be covered.
No. If your trip includes Lombok or the Gili Islands, you should select ‘Indonesia’ rather than ‘Bali’ as your destination when obtaining a quote to ensure you’re covered for all the islands you plan to visit. Selecting ‘Bali’ only will limit your cover to Bali itself, so it’s important to include every destination you intend to visit in your quote.
Join thousands of Kiwis who save time and money with our free comparison tool.
No credit card required · 100% free to use
