Travel insurance might be the least exciting part of planning a Bali trip, but it could be the most important. Every year, tourists in Bali face unexpected medical emergencies, scooter accidents, flight cancellations, lost luggage, and natural events that can turn a dream holiday into a financial nightmare. The difference between having good travel insurance and having none can be tens of thousands of dollars — medical evacuation from Bali to Singapore or Australia alone costs $30,000–80,000 without coverage.
Bali Malayali has seen firsthand what happens when travellers arrive without insurance. We have helped coordinate emergency hospital visits for tourists with broken bones from scooter accidents, arranged logistics for travellers stranded by volcanic ash cloud flight cancellations, and witnessed the devastating financial impact of a serious medical emergency on an uninsured family. These are not hypothetical scenarios — they happen regularly, and every single one could have been painlessly handled with a basic travel insurance policy costing as little as $30–50 for a week-long trip.
This guide explains exactly what travel insurance coverage you need for Bali, what it costs, which providers we recommend, and the specific Bali-related risks that your policy should cover. The Bali Malayali team considers travel insurance non-negotiable for every traveller, regardless of age, health, or travel experience. Here is everything you need to know to get properly covered.
