Travel insurance Bali
It's the middle of winter in Australia, there's a cold-snap due to arrive any day now and you're lacking vitamin D. Whether it's the sun or a new cultural experience, there's every good reason to travel to Bali. As long as you're covered by travel insurance.
Why do I need travel insurance?
Bali might be a super safe and close-to-Australia paradise, full of friendly folk and a fabulous array of boutique restaurant and bars, but you really don't know what's around the corner.
From baggage mishandling, road accidents, to volcanic ash-clouds cancelling your flights in or out of Bali are all unexpected happenings. At Mozo, we know all too well to expect the unexpected, son it's always our recommendation to opt for cover.
How much will it cost for travel insurance to Bali?
The cost of your travel insurance will depend on a number of factors including how long you're staying in Bali, your age and whether you want extras cover for things like sports or have a pre-existing condition.
Here are some examples at the time of writing of costs for Bali travel insurance, using Mozo's travel insurance quote comparison tool.
|Aged 25|| Basic Cover: Go Insurance Go Basic - Base$10 million hospital and emergency cover |
Comprehensive Cover: Under 30 Travel Insurance - OverseasUnlimited hospital and emergency cover, $1,000 luggage, $5,000 cancellation fees
|Family of 4 - 2 adults (35), 2 kids (10 & 6)|| Basic Cover: Kango Cover - Joey$10 million hospital and emergency cover |
Comprehensive Cover: Fastcover - StandardUnlimited hospital and emergency cover, $10,000 luggage, unlimited cancellation fees
|Over 65|| Basic Cover: itrek - wanderer Unlimited hospital and emergency cover |
Comprehensive Cover: American Express - Essential Unlimited hospital and emergency cover, $5,000 luggage, $10,000 cancellation fees
You can also check out the Mozo Experts Choice Award winners. Mozo compared over 150 travel insurance policies to find the best value travel insurance.
How to avoid illnesses and diseases in Bali
First and foremost: do not drink the tap water! Bali-belly is the last thing you want to interrupt your trip. Let us reiterate this a bit: don't brush your teeth, gargle or rinse your mouth out with the water from the bathroom tap, don't wash your fruit and vegetables using the running tap in the kitchen, and more than certainly don't fill your ice-tray or drink water from the any tap.
The only water to use for anything you would normally use water for is factory-bottled water. As Bali-belly can sometimes sneak its way into our system despite doing everything we can to avoid it, you should take extra precaution to avoid dehydration. Before leaving Australia, pack with you over-the-counter anti-diarrhea medication and portable electrolytes.
Hepatitis A and B are pretty serious diseases. Although widespread in Indonesia they're both preventable with vaccinations. Vaccinations against Typhoid, Tetanus, Pertussis and Diphtheria are also highly recommended - as is a vaccination against measles, with recent recorded outbreaks in Bali.
How strange that the humble mozzie can transmit dangerous and debilitating diseases like malaria, dengue fever, Japanese encephalitis, filariasis and chikungunya. But it is possible and the effects are serious. Your best defense is mosquito repellant, and a lot of it. There are supermarkets that sell plug-in varieties for the evening, but you'll want to back this up by spraying a halo of tropical strength repellent around your body before bed. Literally from head to toe.
The day is no different. Sightseeing, eating out and enjoying the sun just won't' seem like a fun thing to do if you're feeling awful and sickly. Spray yourself before leaving the hotel for the day and carry a tropical strength roll-on as back up in the day. You may get sweaty or go for a swim, so you'll need to top-up at some point in the day.
It's true. We Aussies love animals. We're animal people. We're pet people. We even pet other people's dogs when we walk past them in the street. But when we visit Bali, we need to take a different animal stance. In other words: walk away from the dog. Cross the road and divert your gaze so that it doesn't approach you. That includes cute fuzzy monkeys. More about monkeys in a moment.
Becoming infected with rabies unfortunately is common and potentially deadly. Animal bites, and even scratches caused are animals need to be taken seriously and treated immediately. If the hospital is too far to receive immediate treatment, try a GP. Easy to miss it you don't know what to look out for, but they're usually located opposite or near pharmacies. If in doubt, ask a local.
The monkey story
In certain parts of Bali, there are colonies of monkeys. And where they reside, they dominate. They do everything from steal people's food, pickpocket, bag snatch and can get aggressive. If bitten or scratched by a monkey, you'll need to be treated asap.
Traveller beware: Bali must knows
The constant hustle and bustle of Bali's streets can be shocking if you've never seen or experienced it before. At first glance you wonder how the system works and how there isn't an accident before your very eyes every minute is beyond logic and expectation. It is chaotic. In saying that, many tourists hop on a trike and scoot around to their heart's content, taking the risk and braving the chaos.
Are tourists licensed to drive in Bali? Mostly no. It's not until an accident occurs that they realise their medical bill will not be covered by their travel insurer if they drive a vehicle without the right licence.
Hiring a driver for the day or cabbing from place to place is extremely affordable and a fraction of what we pay in Australia. The best part about it, the drivers are and local, which means they know the narrow arteries and pot holes like the back of their hand. No need to drive around nervously! What's more, they're super friendly.
It can happen anywhere in the world. Even at home. But while traveling in Bali, you need to exercise caution with everything from, having your phone or camera stolen, withdrawing money at an ATM and ensuring it's not tampered with, to people on scooters bag-snatching tourists as they walk the streets. If you get the right policy, your insurer with cover you for a portion of what's stolen. But don't forget to make a report to the police! You'll need it to make a claim.
Coming from a surf culture, water sports are super popular with Australians. From surfing to snorkeling, the options for water fun are there. But unfortunately, if you're injured and need medical treatment after participating in a water sport while holidaying in Bali, you may not be covered by your overseas travel insurance policy. The reason is that water sports are seen as a risk, and that as a participant you are willingly taking a chance and putting yourself at risk, therefore can't be covered.
But many Bali travel insurers do offer extra sports cover so if you are planning on surfing, scuba diving or doing any adventure sports while you're in Bali, pay for the extra cost and get peace of mind knowing you'll be covered.
Do I need a Visa?
Australia is one of the countries that is exempt from needing a Visa when visiting Indonesia.
Be a Smart traveller
Mozo recommends that you register all international traveling with the Australian government at http://www.smartraveller.gov.au. Here you can get in contact with Australian officials if you run into some legal trouble or have an enquiry.
Another organisation to keep handy is the Australian consulate in Bali.
Bali Travel Insurance tips and traps
Read the small print! It's easy to get the general gist of the travel insurance you're purchasing, but if you don't read the small print, you might miss out on crucial exceptions and inclusions.
Where are you heading to again? The type of travel insurance you require will depend on where you're travelling to. So just be aware of the price differences if you are planning on visiting other countries as well as your holiday in Bali.
Excess fees. Did you know your excess fee will vary, according to the policy you purchase? The less expensive the cover, the cheaper your insurance. But this also means the excess will be higher than others.
Pre-existing conditions. Having a pre-existing medical condition is something you need to record as part of your policy. If you don't, it may affect your policy or even deem it null, therefore prevent you from making a claim if you need to.
Report incidents ASAP. Report theft or medical emergencies as soon as possible. Remember to ask for an official report, as you will need this to make a claim. Hold onto all receipts too.
Hiring unregistered vehicles. If you don't have an international driver's licence or a licence for the Bali, then don't drive. Your insurer will not cover you if you're in an accident. Also if you are planning on using is motorbike while in Bali and don't have a motorbike licence here in Australia, think again. You must be licensed to drive a motorbike for your insurance to cover you.
Drinking overseas Drinking is fine in moderation of course! But drinking to get drunk will only create more hazards for you. Disorientation on Bali roads is not something you want as they're super busy and dangerous as it is.
Also, always know where your drink is. Spiking is always possible around popular tourist destinations like Kuta. Another concern around alcohol follows a recent spate of deaths after the consumption of drinks with non-conventional alcohol. Always drink from reputable bars. It pays to go to bars where you may pay a little more for your alcoholic beverages as they have a reputation to uphold and wouldn't sell anything but the best.
What to do if you need to submit a travel insurance claim?
At Mozo, we're always interested in giving you comprehensive information about traveling overseas in the simplest way. Making an insurance claim can be easy. Just follow the next few steps:
In Bali: In an emergency you should first seek medical treatment immediately. Your travel insurance will also offer Emergency Assistance. You will need your policy number.
In an non emergency situation, you will need to get copies of medical certificates or police reports and also receipts for any out of pocket expenses.
Return from Bali: Submit a claim form with your travel insurer. This will be a straightforward process either online or over the phone. In most cases, you'll be asked to submit documentation to back your claim. It's a good idea to make copies in case you need to submit originals.
When will I hear back?
Expect an automated response as the initial contact from your travel insurance company. You'll receive a follow-up from them in up to ten working days. If you're uncertain, just give them a call.
Travel insurance reviews
Hearing about other people's direct experience may influence the type of cover you take for your overseas trip to Bali. Mozo can help you to make a more informed decision as we collect customer reviews for all travel insurance providers. You can read travel insurance reviews or search for a particular travel insurer here.