{"id":99325,"date":"2026-08-31T11:46:32","date_gmt":"2026-08-31T02:16:32","guid":{"rendered":"https:\/\/thechampagnemile.com.au\/deals\/?page_id=99325"},"modified":"2026-11-03T09:51:21","modified_gmt":"2026-11-02T23:21:21","slug":"best-travel-insurance-for-bali","status":"publish","type":"page","link":"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-bali\/","title":{"rendered":"Travel Insurance for Bali: What to Know Before You Book"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Indonesia (Bali)  is Australia&#8217;s single most popular overseas destination, with more outbound trips than any other country in 2024-25, according to the Australian Bureau of Statistics. That volume comes with a claims pattern insurers know well: gastro, scooter accidents, and the occasional dengue diagnosis. Southern Cross Travel Insurance reported Bali-linked claims rose 50% year-on-year and made up 16% of everything they paid out in 2024. Here&#8217;s what actually goes wrong in Bali, the one rule that can void your cover without you realising, and how the major Australian insurers compare.<\/p>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em><strong>Affiliate Disclosure: <\/strong>The Champagne Mile may earn a commission via links on this page. You should assess your own financial situation and needs and read all relevant Product Disclosure Statements and Terms and Conditions on the website of each Vendor before making a decision to purchase any service or product we display.<\/em><\/p>\n\n\n\n<!-- TCM Quick Answer card (tcm-qa-), replaces key takeaways -->\n<style>.tcm-qa{border:1px solid #e4e7f0;border-radius:14px;overflow:hidden;background:#fff;margin:0 0 28px;box-shadow:0 2px 10px rgba(10,31,92,.06)}.tcm-qa__head{background:#0a1f5c;color:#fff;padding:12px 20px;display:flex;align-items:center;gap:8px;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase}.tcm-qa__head i{color:#b8992e;font-size:18px}.tcm-qa__pick{padding:20px;border-left:4px solid #b8992e;border-bottom:1px solid #eef0f6;display:flex;gap:16px;align-items:center;justify-content:space-between;flex-wrap:wrap}.tcm-qa__body{flex:1 1 280px}.tcm-qa__label{font-size:12px;font-weight:700;color:#b8992e;text-transform:uppercase;letter-spacing:.06em;margin:0 0 4px}.tcm-qa__name{font-size:20px;font-weight:800;color:#0a1f5c;margin:0 0 4px;line-height:1.25}.tcm-qa__why{font-size:15px;color:#3a4256;margin:0;line-height:1.5}.tcm-qa__alts{display:grid;grid-template-columns:1fr 1fr}.tcm-qa__alt{padding:16px 20px;display:flex;flex-direction:column;gap:12px;justify-content:space-between}.tcm-qa__alt+.tcm-qa__alt{border-left:1px solid #eef0f6}.tcm-qa__alt .tcm-qa__name{font-size:16px}.tcm-qa__alt .tcm-qa__why{font-size:14px}.tcm-qa a.tcm-qa__btn{display:inline-block;align-self:flex-start;background:#0a1f5c!important;color:#fff!important;-webkit-text-fill-color:#fff!important;text-decoration:none!important;font-weight:700;font-size:14px;line-height:1.2;padding:11px 18px;border-radius:8px;white-space:nowrap}.tcm-qa a.tcm-qa__btn:hover{background:#b8992e!important}.tcm-qa a.tcm-qa__btn--alt{background:#fff!important;color:#0a1f5c!important;-webkit-text-fill-color:#0a1f5c!important;border:1.5px solid #0a1f5c}.tcm-qa a.tcm-qa__btn--alt:hover{background:#0a1f5c!important;color:#fff!important;-webkit-text-fill-color:#fff!important}@media(max-width:640px){.tcm-qa__alts{grid-template-columns:1fr}.tcm-qa__alt+.tcm-qa__alt{border-left:0;border-top:1px solid #eef0f6}.tcm-qa a.tcm-qa__btn{display:block;width:100%;text-align:center;box-sizing:border-box}}<\/style><div class=\"tcm-qa\"><div class=\"tcm-qa__head\"><i class=\"ti ti-bolt\" aria-hidden=\"true\"><\/i>Quick answer<\/div><div class=\"tcm-qa__pick\"><div class=\"tcm-qa__body\"><p class=\"tcm-qa__label\">Our pick for Bali<\/p><p class=\"tcm-qa__name\">Cover-More<\/p><p class=\"tcm-qa__why\">Best all-round cover: backed by Zurich, trusted by 15 million-plus travellers a year, with Velocity Points on top.<\/p><\/div><a class=\"tcm-qa__btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" target=\"_blank\" rel=\"nofollow sponsored\">Get a Cover-More quote<\/a><\/div><div class=\"tcm-qa__alts\"><div class=\"tcm-qa__alt\"><div><p class=\"tcm-qa__label\">Also worth a quote<\/p><p class=\"tcm-qa__name\">Tick Travel Insurance<\/p><p class=\"tcm-qa__why\">Real medical cover without comprehensive-insurer pricing.<\/p><\/div><a class=\"tcm-qa__btn tcm-qa__btn--alt\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" target=\"_blank\" rel=\"nofollow sponsored\">Get a quote<\/a><\/div><div class=\"tcm-qa__alt\"><div><p class=\"tcm-qa__label\">Also worth a quote<\/p><p class=\"tcm-qa__name\">Zoom<\/p><p class=\"tcm-qa__why\">Dependent kids and grandkids under 19 travel free on a parent\u2019s or grandparent\u2019s policy.<\/p><\/div><a class=\"tcm-qa__btn tcm-qa__btn--alt\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\" target=\"_blank\" rel=\"nofollow sponsored\">Get a quote<\/a><\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Why Bali Claims Look Different to Other Destinations<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bali sits in an odd middle band of risk. Day-to-day medical needs are minor and cheap &#8211; Bali belly, a grazed knee, an infected cut. But the worst-case scenarios are both expensive and more common than most travellers expect. <a href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-promo-codes\/\">SCTI <\/a>supported 91 emergency medical events involving Australians in Bali in 2024 alone, including one case requiring an air ambulance home at a cost of around $232,000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The scooter numbers specifically are worth knowing before you book anything. Bali recorded more than 7,000 road accidents and 632 deaths in a recent 12-month period, according to Bali&#8217;s police chief, and 86% of those involved motorcycles. SCTI alone processed 21 moped and scooter claims in 2024, two of which required hospital admission.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Licence Rule That Catches People Out<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you plan to ride a scooter in Bali, Australian government travel advice is specific: you need either an Indonesian licence or a valid <a href=\"https:\/\/www.aaa.asn.au\/international-motoring\/international-driving-permits\/\">International Driving Permit<\/a> to legally ride, and to keep your insurance valid. Riding on an Australian licence alone, or with no licence at all, isn&#8217;t just risky &#8211; it can invalidate your cover entirely, even for the parts of the claim that have nothing to do with the accident itself. This is one of the most common reasons Bali <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-claim-guide\/\">claims get knocked back<\/a>, and it&#8217;s rarely front-of-mind when you&#8217;re renting a scooter for $8 a day outside your villa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read also: <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-vietnam\/\">Travel insurance for Vietnam<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Compare Travel Insurance for Bali at a Glance<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Insurer<\/th><th class=\"has-text-align-left\" data-align=\"left\">Moped\/Scooter Cover<\/th><th class=\"has-text-align-left\" data-align=\"left\">Notable Feature<\/th><th class=\"has-text-align-left\" data-align=\"left\">Best For<\/th><th class=\"has-text-align-left\" data-align=\"left\">Quote<\/th><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-promo-code\/\">Cover-More<\/a><\/td><td>Available as an add-on<\/td><td>Backed by Zurich, 15M+ travellers a year, 3 Velocity Points per $1<\/td><td>All-round cover from a household name<\/td><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\">Tick Travel Insurance<\/a><\/td><td>Available on Standard\/Top tiers<\/td><td>Budget-focused tiered pricing without stripping out core medical cover<\/td><td>Cost-conscious travellers who still want real cover<\/td><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/allclear-travel-insurance-promo-code\/\">AllClear<\/a><\/td><td>Available as an add-on<\/td><td>No upper age limit, specialist pre-existing condition underwriting<\/td><td>Older travellers or anyone with a declared health condition<\/td><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/allclear\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/zoom-travel-insurance-discount-code\/\">Zoom<\/a><\/td><td>Available as an add-on<\/td><td>Dependent children and grandchildren under 19 travel free<\/td><td>Families travelling together<\/td><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/freely-discount-code\/\">Freely<\/a><\/td><td>Cover varies by activity selection<\/td><td>App-based, adjust cover while you&#8217;re already travelling<\/td><td>Spontaneous travellers who might add a scooter day mid-trip<\/td><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/freely\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><tr><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/was-travel-insurance-promo-code\/\">WAS<\/a><\/td><td>Check at quote stage<\/td><td>Straightforward online purchasing, competitive international pricing<\/td><td>Simple, no-frills cover for a standard Bali trip<\/td><td><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/wastravelinsurance\" target=\"_blank\" rel=\"nofollow sponsored\"><strong>Get a quote<\/strong><\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em>Table compiled 31 August 2026. Moped and scooter cover, sub-limits and licence conditions vary by insurer and policy tier &#8211; always confirm the add-on is selected and read the PDS before buying.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Our Top Picks for Bali Travellers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best all-round cover: <a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-promo-code\/\">Cover-More<\/a>.<\/strong>&nbsp;Backed by Zurich, trusted by 15 million-plus travellers a year, with Velocity Points on top.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best value: <a href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\">Tick Travel Insurance<\/a>.<\/strong>&nbsp;Real medical cover without comprehensive-insurer pricing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best for families: <a href=\"https:\/\/thechampagnemile.com.au\/deals\/zoom-travel-insurance-discount-code\/\">Zoom<\/a>.<\/strong>&nbsp;Dependent kids and grandkids under 19 travel free on a parent&#8217;s or grandparent&#8217;s policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Best for older travellers or pre-existing conditions: <a href=\"https:\/\/thechampagnemile.com.au\/deals\/allclear-travel-insurance-promo-code\/\">AllClear<\/a>.<\/strong>&nbsp;No upper age limit, specialist underwriting for declared conditions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Current offers from these insurers<\/h3>\n\n\n\n<div class=\"wp-block-rehub-deal-coupon-list rhpb-deal-coupon-grid rhpb-ecdb0e57-eac9-4d1f-8088-373e5c81684d\">\t\t<div class=\"woo_offer_list \" data-filterargs='{\"post_type\":\"post\",\"posts_per_page\":12,\"order\":\"desc\",\"tag__in\":[\"1000\"],\"orderby\":\"date\",\"no_found_rows\":1,\"ignore_sticky_posts\":1}' data-template=\"postlistpart\" id=\"rh_filterid_488276281\" data-innerargs='{\"aff_link\":\"\"}'>\r\n\t\t\r\n\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Southern Cross Travel Insurance: Big Family Trip, Small Premium\" href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-big-family-trip-small-premium\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/southern-cross-travel-insurance-promo-codes-feature-image-4-rrrw9xiig46ivk6ppo74vc7crqpi2gmxvalzhxfrdk.jpg\" height=\"92\" alt=\"Southern Cross Travel Insurance: Big Family Trip, Small Premium\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-big-family-trip-small-premium\/\"   class=\"re_track_btn\">Southern Cross Travel Insurance: Big Family Trip, Small Premium<\/a><\/h2>\r\n                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href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/scti\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  coupontype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"CoverMore: Save 15% on your next policy.\" href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-save-15-on-your-next-policy\/\"   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Save 15% on travel insurance with our promo code. T&amp;Cs apply.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  reveal_enabled mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget discount\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t    \t\t\t\t\t    \t\t<div class=\"post_offer_anons\">\n\t\t\t    \t\t\t\t\t                \t<span class=\"coupon_btn re_track_btn btn_offer_block rehub_offer_coupon masked_coupon \" data-clipboard-text=\"MORE15\" data-codeid=\"96018\" data-dest=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\">\n\t\t                \t\t\t\t\t            \t\t\tget discount\t\t                \t\t\t\t                \t<\/span>\n\t\t            \t<\/div>\n\t            \t\t\t    \t\t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"10% Off When You Sign Up with Zoom Travel Insurance\" href=\"https:\/\/thechampagnemile.com.au\/deals\/10-off-when-you-sign-up-with-zoom-travel-insurance\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/zoom-travel-insurance-promo-code-logo-4-rp855ikn121saf3qp4k0yh0o7iv6qulblhhm9q26vs.png\" height=\"92\" alt=\"10% Off When You Sign Up with Zoom Travel Insurance\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/10-off-when-you-sign-up-with-zoom-travel-insurance\/\"   class=\"re_track_btn\">10% Off When You Sign Up with Zoom Travel Insurance<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nThat&#8217;s right. Score a 10% discount using this code to save on your next Zoom Insurance policy. Works on Comprehensive, Standard, and Basic plans.\u00a0\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget discount\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Any condition, age or destination\u2026. no problem! AllClear.\" href=\"https:\/\/thechampagnemile.com.au\/deals\/any-condition-age-or-destination\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/allclear-travel-insurance-promo-code-logo-4-rp855b1xidrhpjenx1b0eiwzgfw919rgwg9qfidc9k.png\" height=\"92\" alt=\"Any condition, age or destination\u2026. no problem! AllClear.\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            2 weeks ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/any-condition-age-or-destination\/\"   class=\"re_track_btn\">Any condition, age or destination\u2026. no problem! AllClear.<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nAllClear positions itself as the insurance specialist for customers of any age with pre-existing medical conditions. Don&#8217;t deny yourself travel insurance.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/allclear\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype pt0 pb0 pl0 pr0 w_disclaimer\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Tick for straightforward, affordable cover\" href=\"https:\/\/thechampagnemile.com.au\/deals\/all-pre-existing-medical-conditions-considered\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/tick-travel-insurance-promo-code-logo-4-rp859idy2pinmraudcpy1yq73h6cgjg959awp24yfs.png\" height=\"92\" alt=\"Tick for straightforward, affordable cover\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 week ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h3 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/all-pre-existing-medical-conditions-considered\/\"   class=\"re_track_btn\">Tick for straightforward, affordable cover<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nChoose cover from four no-nonsense tiers &#8211; so you get exactly what you need without paying for what you don&#8217;t.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n            <div class=\"rev_disclaimer lightgreybg font60 greycolor lineheight15 pt5 pb5 pl15 pr15\">Tick Travel Insurance Disclaimer: \r\n\r\nThis insurance is underwritten by the insurer Europ Assistance Australia Pty Ltd, ACN 140 219 594, AFSL 552106, trading as Tick Travel Insurance and other brands. Sub-limits, terms, conditions, and exclusions may apply. Please refer to the PDS for full details.\u202f (https:\/\/www.tickinsurance.com.au\/policy-wordings\/)\r\n\r\n \r\n\r\nIf you take out a Travel Insurance policy with Tick Travel Insurance as a result of the services provided by us, Europ Assistance Australia Pty Ltd (Trading as Tick Travel Insurance) may pay us a referral fee.<\/div>\r\n        \r\n<\/div>\t\t\r\n\t\t\r\n\t<\/div>\r\n\t<div class=\"clearfix\"><\/div>\r\n\r\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">The Traps and Caveats Bali Travellers Need to Watch For<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The licence rule voids more than just the scooter claim.<\/strong>&nbsp;Riding without a valid Indonesian licence or International Driving Permit can invalidate cover for the entire incident, not just the parts directly tied to the ride.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Private hospitals expect a deposit on admission.<\/strong>&nbsp;Bali&#8217;s tourist-corridor hospitals are good, but they run pay-as-you-go &#8211; if your insurer isn&#8217;t confirming direct billing over the phone, you&#8217;re paying upfront on a card and claiming reimbursement later.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Gastro and dengue aren&#8217;t fringe risks &#8211; they&#8217;re the most common claim category.<\/strong>&nbsp;Cover for hospital admission due to gastrointestinal illness or mosquito-borne disease is worth checking, not assuming.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Surfing, diving and other adventure activities often sit outside standard cover.<\/strong>&nbsp;If your Bali trip includes surf lessons at Uluwatu or diving at Nusa Penida, <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-for-adventure-sports\/\">confirm the activity is included<\/a> rather than assuming &#8220;comprehensive&#8221; covers everything.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Serious cases sometimes mean evacuation to Singapore, not a local hospital.<\/strong>&nbsp;Medical evacuation limits matter more in Bali than the smaller cover extras &#8211; check this figure before comparing anything else.<\/p>\n\n\n\n<style>\n  \/* Colour tokens: change these to re-theme the whole block *\/\n  .tcm-sp {\n    --sp-bg: #ffffff;\n    --sp-border: #e7dcbc;\n    --sp-accent-bar: #b8992e;\n    --sp-panel: #f8f3e3;\n    --sp-ink: #0a1f5c;\n    --sp-ink-soft: #4a5578;\n    --sp-figure: #7a6212;\n    --sp-rule: #e2d4a8;\n    --sp-btn-bg: #0a1f5c;\n    --sp-btn-text: #ffffff;\n    --sp-focus: #b8992e;\n\n    box-sizing: border-box;\n    margin: 28px 0 !important;\n    padding: 26px 28px 24px !important;\n    background: var(--sp-bg) !important;\n    border: 1px solid var(--sp-border);\n    border-top: 4px solid var(--sp-accent-bar);\n    border-radius: 14px;\n    color: var(--sp-ink);\n    font-size: 15px;\n    line-height: 1.5;\n    box-shadow: 0 6px 18px rgba(10, 31, 92, 0.07);\n  }\n  .tcm-sp *, .tcm-sp *::before, .tcm-sp *::after { box-sizing: border-box; }\n\n  \/* Header: logo + headline *\/\n  .tcm-sp__head { display: flex; align-items: center; gap: 20px; }\n  .tcm-sp__logo {\n    flex: 0 0 136px;\n    height: 72px;\n    background: #fff;\n    border: 1px solid var(--sp-border);\n    border-radius: 10px;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    padding: 8px 12px;\n  }\n  .tcm-sp__logo img {\n    display: block;\n    width: 100% !important;\n    height: 100% !important;\n    max-width: 100% !important;\n    object-fit: contain;\n    margin: 0 !important;\n    border: 0 !important;\n    box-shadow: none !important;\n  }\n  .tcm-sp__logo--photo { padding: 0 !important; overflow: hidden; }\n  .tcm-sp__logo--photo img { object-fit: cover !important; }\n  .tcm-sp__intro { min-width: 0; }\n  .tcm-sp p.tcm-sp__tag {\n    margin: 0 0 6px !important;\n    padding: 0 !important;\n    font-size: 13px !important;\n    line-height: 1.4 !important;\n    color: var(--sp-ink-soft) !important;\n  }\n  .tcm-sp__tag span {\n    color: var(--sp-figure);\n    font-weight: 700;\n    margin-right: 6px;\n    padding-right: 8px;\n    border-right: 1px solid var(--sp-rule);\n  }\n  .tcm-sp h3.tcm-sp__title {\n    margin: 0 !important;\n    padding: 0 !important;\n    font-size: 22px !important;\n    line-height: 1.25 !important;\n    font-weight: 700 !important;\n    color: var(--sp-ink) !important;\n    letter-spacing: -0.01em;\n  }\n\n  \/* Perks ledger *\/\n  .tcm-sp ul.tcm-sp__perks {\n    list-style: none !important;\n    display: grid;\n    grid-template-columns: repeat(3, 1fr);\n    margin: 22px 0 !important;\n    padding: 0 !important;\n    background: var(--sp-panel);\n    border-radius: 10px;\n  }\n  .tcm-sp ul.tcm-sp__perks li {\n    list-style: none !important;\n    margin: 0 !important;\n    padding: 16px 18px !important;\n    border-left: 1px solid var(--sp-rule);\n  }\n  .tcm-sp ul.tcm-sp__perks li::before,\n  .tcm-sp ul.tcm-sp__perks li::marker { content: none !important; display: none !important; }\n  .tcm-sp ul.tcm-sp__perks li:first-child { border-left: 0; }\n  .tcm-sp__perks strong {\n    display: block;\n    font-size: 26px;\n    line-height: 1.1;\n    font-weight: 800;\n    color: var(--sp-figure) !important;\n    margin-bottom: 4px;\n  }\n  .tcm-sp__perks span {\n    display: block;\n    font-size: 13.5px;\n    line-height: 1.45;\n    color: var(--sp-ink-soft);\n  }\n\n  \/* Footer: buttons *\/\n  .tcm-sp__foot { display: flex; align-items: center; flex-wrap: wrap; gap: 12px; }\n\n  html body .tcm-sp a.tcm-sp__btn,\n  html body .tcm-sp a.tcm-sp__btn:link,\n  html body .tcm-sp a.tcm-sp__btn:visited,\n  html body .tcm-sp a.tcm-sp__btn:hover,\n  html body .tcm-sp a.tcm-sp__btn:focus,\n  html body .tcm-sp a.tcm-sp__btn:active {\n    display: inline-block;\n    background: var(--sp-btn-bg) !important;\n    background-image: none !important;\n    color: var(--sp-btn-text) !important;\n    -webkit-text-fill-color: var(--sp-btn-text) !important;\n    font-size: 15px !important;\n    font-weight: 700 !important;\n    line-height: 1.2 !important;\n    padding: 13px 24px !important;\n    border: 1px solid var(--sp-btn-bg) !important;\n    border-radius: 8px;\n    text-decoration: none !important;\n    text-shadow: none !important;\n    box-shadow: none !important;\n  }\n  html body .tcm-sp a.tcm-sp__btn:hover { filter: brightness(1.35); }\n\n  html body .tcm-sp a.tcm-sp__btn-alt,\n  html body .tcm-sp a.tcm-sp__btn-alt:link,\n  html body .tcm-sp a.tcm-sp__btn-alt:visited,\n  html body .tcm-sp a.tcm-sp__btn-alt:hover,\n  html body .tcm-sp a.tcm-sp__btn-alt:focus,\n  html body .tcm-sp a.tcm-sp__btn-alt:active {\n    display: inline-block;\n    background: transparent !important;\n    background-image: none !important;\n    color: var(--sp-ink) !important;\n    -webkit-text-fill-color: var(--sp-ink) !important;\n    font-size: 15px !important;\n    font-weight: 600 !important;\n    line-height: 1.2 !important;\n    padding: 13px 22px !important;\n    border: 1px solid var(--sp-ink) !important;\n    border-radius: 8px;\n    text-decoration: none !important;\n    text-shadow: none !important;\n    box-shadow: none !important;\n  }\n  html body .tcm-sp a.tcm-sp__btn-alt:hover { background: var(--sp-panel) !important; }\n\n  html body .tcm-sp a.tcm-sp__btn span,\n  html body .tcm-sp a.tcm-sp__btn-alt span { text-decoration: none !important; }\n  html body .tcm-sp a.tcm-sp__btn:focus-visible,\n  html body .tcm-sp a.tcm-sp__btn-alt:focus-visible { outline: 3px solid var(--sp-focus) !important; outline-offset: 3px; }\n\n  \/* Tablet and mobile *\/\n  @media (max-width: 640px) {\n    .tcm-sp { padding: 22px 18px 20px !important; }\n    .tcm-sp__head { flex-direction: column; align-items: flex-start; gap: 14px; }\n    .tcm-sp__logo { flex-basis: auto; width: 128px; height: 66px; }\n    .tcm-sp h3.tcm-sp__title { font-size: 20px !important; }\n    .tcm-sp ul.tcm-sp__perks { grid-template-columns: 1fr; }\n    .tcm-sp ul.tcm-sp__perks li {\n      display: flex;\n      align-items: baseline;\n      gap: 14px;\n      padding: 12px 16px !important;\n      border-left: 0;\n      border-top: 1px solid var(--sp-rule);\n    }\n    .tcm-sp ul.tcm-sp__perks li:first-child { border-top: 0; }\n    .tcm-sp__perks strong { flex: 0 0 122px; font-size: 22px; margin: 0; }\n    .tcm-sp__foot { flex-direction: column; align-items: stretch; }\n    html body .tcm-sp a.tcm-sp__btn,\n    html body .tcm-sp a.tcm-sp__btn-alt { text-align: center; }\n  }\n<\/style>\n<div class=\"tcm-sp\">\n  <div class=\"tcm-sp__head\">\n    <div class=\"tcm-sp__logo\">\n      <img decoding=\"async\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2024\/11\/covermore-promo-code-logo-4.png\" alt=\"Cover-More Travel Insurance logo\" loading=\"lazy\">\n    <\/div>\n    <div class=\"tcm-sp__intro\">\n      <p class=\"tcm-sp__tag\"><span>TCM Spotlight<\/span> Our top pick for Bali<\/p>\n      <h3 class=\"tcm-sp__title\">All-round cover, with motorbike cover when you need it<\/h3>\n    <\/div>\n  <\/div>\n\n  <ul class=\"tcm-sp__perks\">\n    <li>\n      <strong>Add-on<\/strong>\n      <span>Motorbike and scooter cover available as an option<\/span>\n    <\/li>\n    <li>\n      <strong>30m<\/strong>\n      <span>Scuba to 30m with an instructor, or 50m with Adventure Activities+<\/span>\n    <\/li>\n    <li>\n      <strong>15M+<\/strong>\n      <span>Travellers protected each year, backed by Zurich<\/span>\n    <\/li>\n  <\/ul>\n\n  <div class=\"tcm-sp__foot\">\n    <a class=\"tcm-sp__btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" rel=\"nofollow sponsored\" target=\"_blank\" style=\"background:#0a1f5c !important;color:#ffffff !important;-webkit-text-fill-color:#ffffff !important;text-decoration:none !important;\"><span style=\"color:#ffffff !important;-webkit-text-fill-color:#ffffff !important;\">Get a Cover-More quote<\/span><\/a>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What the Data Says About Travelling to Bali Right Now<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Indonesia was Australia&#8217;s #1 outbound destination in 2024-25, accounting for 14.2% of all overseas trips, per the <a href=\"https:\/\/www.abs.gov.au\/\">Australian Bureau of Statistics<\/a>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How to Actually Buy the Right Policy for Bali<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Decide if you&#8217;re riding a scooter<\/strong>: If yes, confirm the moped\/scooter add-on is selected and that you&#8217;ll have a valid Indonesian licence or IDP before you go.<\/li>\n\n\n\n<li><strong>Check the medical evacuation limit<\/strong>: This matters more than any other single figure, given the realistic chance of a Singapore transfer for serious cases.<\/li>\n\n\n\n<li><strong>Confirm gastro and hospital-admission cover<\/strong>: This is the most common real-world claim category in Bali, not a rare edge case.<\/li>\n\n\n\n<li><strong>Add any adventure activities explicitly<\/strong>: Surfing, diving, and similar aren&#8217;t always automatic on comprehensive tiers.<\/li>\n\n\n\n<li><strong>Ask about direct billing<\/strong>: Private hospitals in the tourist areas expect a deposit on admission; knowing your insurer can pay directly saves a stressful phone call mid-trip.<\/li>\n\n\n\n<li><strong>Compare at least two or three quotes<\/strong>: Before committing, since moped cover and evacuation limits vary meaningfully between insurers.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">What Else Should You Sort Before You Go?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/thechampagnemile.com.au\/deals\/travel-insurance-promo-codes\/\">Full travel insurance comparison \u2013 all providers<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\">Best travel insurance for seniors in Australia<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-esim-for-bali\/\">Best eSIM for Bali<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\">Travel insurance for pre-existing medical conditions<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/\">All travel insurance guides<\/a><\/li>\n<\/ul>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"103389\" class=\"elementor elementor-103389\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-7a6007a e-flex e-con-boxed e-con e-parent\" data-id=\"7a6007a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element- elementor-widget elementor-widget-html\" data-id=\"\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\nhtml body .tcm-mtig { display:block !important; width:100% !important; margin:0 !important; padding:0 !important; font-family:inherit !important; box-sizing:border-box !important; }\r\nhtml body .tcm-mtig *, html body .tcm-mtig *::before, html body .tcm-mtig *::after { box-sizing:border-box !important; }\r\nhtml body .tcm-mtig .tcm-pricematch-grid { display:grid !important; grid-template-columns:repeat(auto-fill, minmax(220px, 1fr)) !important; gap:8px !important; margin:0.85rem 0 0 0 !important; padding:0 !important; }\r\nhtml body .tcm-mtig a.tcm-country-link { display:flex !important; align-items:center !important; justify-content:space-between !important; gap:6px !important; font-family:inherit !important; background:#f8f9fc !important; border:1px solid rgba(10,31,92,0.08) !important; border-radius:7px !important; padding:0.55rem 0.75rem !important; margin:0 !important; font-size:12.5px !important; font-weight:600 !important; line-height:1.4 !important; color:inherit !important; text-decoration:none !important; box-shadow:none !important; transition:border-color 0.15s ease, background 0.15s ease !important; }\r\nhtml body .tcm-mtig a.tcm-country-link:hover { border-color:#b8992e !important; background:#ffffff !important; color:inherit !important; text-decoration:none !important; }\r\nhtml body .tcm-mtig a.tcm-country-link:focus-visible { outline:2px solid #b8992e !important; outline-offset:2px !important; }\r\nhtml body .tcm-mtig .tcm-country-link-label { display:inline-flex !important; align-items:center !important; gap:7px !important; color:inherit !important; }\r\nhtml body .tcm-mtig .tcm-country-link-icon { font-size:13px !important; color:#b8992e !important; flex-shrink:0 !important; }\r\n@media (max-width: 600px) {\r\n  html body .tcm-mtig .tcm-pricematch-grid { grid-template-columns:minmax(0, 1fr) !important; }\r\n}\r\n<\/style>\r\n\r\n<h2 class=\"wp-block-heading\">More Travel Insurance Guides<\/h2>\r\n\r\n<div class=\"tcm-mtig\">\r\n  <p class=\"wp-block-paragraph\">Every trip, traveller and risk changes what you need from a policy. These guides go deeper on each situation, and it&#8217;s worth comparing <a href=\"https:\/\/thechampagnemile.com.au\/deals\/travel-insurance-promo-codes\/\">providers<\/a> before you buy. <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/#travel-insurance-guides\">Browse all travel insurance guides<\/a>.<\/p>\r\n  <div class=\"tcm-pricematch-grid\"><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-families\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-users-group tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Families<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-backpackers\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-backpack tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Backpackers<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-students\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-school tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Students<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-pregnant-travellers\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-baby-carriage tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Pregnant Travellers<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-heart-handshake tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Seniors<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-cruises\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-anchor tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Cruises<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/annual-vs-single-trip-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-calendar-repeat tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Annual vs Single Trip Travel Insurance<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/domestic-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-map-pin tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Domestic Travel Insurance<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-heartbeat tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Pre-Existing Medical Conditions<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-for-adventure-sports\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-mountain tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Travel Insurance for Adventure Sports<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/credit-card-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-credit-card tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Credit Card Travel Insurance<\/span><\/a><\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Do I need travel insurance for Bali?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Yes. Bali is inexpensive to visit but not to get sick or injured in without cover: private hospital care, medical evacuation, and even a straightforward gastro admission can run into thousands of dollars, and insurers report Bali-linked claims rising sharply year over year.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Will my travel insurance cover a scooter accident in Bali?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Only if you&#8217;ve added moped\/scooter cover and hold a valid Indonesian licence or International Driving Permit. Riding without the correct licence can void your claim entirely, even for costs unrelated to the ride itself.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does travel insurance cover Bali Belly and gastro illness?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Most standard policies cover gastrointestinal illness requiring medical treatment or hospital admission, and it&#8217;s one of the most common real-world claims in Bali. Check your policy&#8217;s medical expenses limit rather than assuming a minor-sounding illness is automatically covered at a low level.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Do I need to pay upfront at a Bali hospital?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Often, yes, unless your insurer arranges direct billing. Private hospitals in the tourist corridor typically ask for a deposit on admission. Contacting your insurer&#8217;s emergency assistance line as soon as possible after an incident gives them the best chance of arranging direct payment instead of leaving you to claim reimbursement later.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Are surfing and diving covered by standard travel insurance in Bali?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Not always automatically. Adventure activities like surfing, diving, and similar are sometimes excluded or capped on standard tiers. Check your policy&#8217;s activity list or add the relevant sports cover explicitly before you go.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">What&#8217;s the most important cover to check before travelling to Bali?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Medical evacuation limits. Serious medical cases in Bali sometimes require air evacuation to Singapore, and costs can run into the hundreds of thousands without adequate cover &#8211; that matters more than any of the smaller policy extras.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">How much is travel insurance to Bali?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">The price depends on your age, trip length, level of cover, excess and whether you add extras such as scooter cover. Short trips for younger travellers usually cost less than longer trips for older travellers. The only reliable figure is a quote for your own trip, so compare providers using your dates and details.<\/p>\n<\/div><\/div>\n\n\n\t\t<div data-elementor-type=\"container\" data-elementor-id=\"102958\" class=\"elementor elementor-102958\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc77e70 e-con-full e-flex e-con e-parent\" data-id=\"cc77e70\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-733ec7f elementor-widget elementor-widget-html\" data-id=\"733ec7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\nsection.tcm-eeat{margin:0 0 24px;font-family:inherit;color:#1c1f2a}\nsection.tcm-eeat ul.tcm-eeat-items{list-style:none !important;margin:0 !important;padding:0 !important;display:grid !important;grid-template-columns:1fr 1fr;gap:10px}\nsection.tcm-eeat ul.tcm-eeat-items li.tcm-eeat-item{list-style:none !important;display:flex !important;gap:12px;align-items:flex-start;background:#f5f6fb;border:1px solid #e6e9f3;border-radius:10px;padding:12px 14px !important;margin:0 !important}\nsection.tcm-eeat li.tcm-eeat-item::before,section.tcm-eeat li.tcm-eeat-item::marker{display:none !important;content:none !important}\nsection.tcm-eeat li.tcm-eeat-item > i{flex:0 0 auto;display:block;font-size:20px;color:#b8992e;margin-top:2px}\nsection.tcm-eeat.tcm-eeat ul.tcm-eeat-items li.tcm-eeat-item h3{margin:0 0 3px !important;padding:0 !important;font-size:15px !important;line-height:1.35 !important;font-weight:700;color:#0a1f5c}\nsection.tcm-eeat .tcm-eeat-item p{margin:0 !important;padding:0 !important;font-size:14px;line-height:1.55;color:#454a5a}\n.tcm-eeat a{color:#0a1f5c;text-decoration:underline;text-decoration-color:#b8992e;text-underline-offset:2px}\n.tcm-eeat a:hover{color:#b8992e}\n@media (max-width:640px){section.tcm-eeat ul.tcm-eeat-items{grid-template-columns:1fr}}\n<\/style>\n<section class=\"tcm-eeat\" aria-label=\"Why trust us\">\n  <h2 class=\"wp-block-heading\">Why Trust Us<\/h2>\n  <ul class=\"tcm-eeat-items\">\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-map-pin-check\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Independent and Australian<\/h3>\n        <p>We focus on deals Australians can actually use. Commercial partnerships never decide which brands we cover or how we rank them.<\/p>\n      <\/div>\n    <\/li>\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-shield-check\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Sourced and checked<\/h3>\n        <p>Codes come from the brands themselves and our official affiliate partners, not scraped from other coupon sites. We note terms like minimum spend, eligible products and new customer rules.<\/p>\n      <\/div>\n    <\/li>\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-refresh\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Kept up to date<\/h3>\n        <p>Offers can change at short notice, so we review our pages regularly. The last updated date is shown on this page.<\/p>\n      <\/div>\n    <\/li>\n    <li class=\"tcm-eeat-item\">\n      <i class=\"ti ti-message-report\" aria-hidden=\"true\"><\/i>\n      <div>\n        <h3>Corrections welcome<\/h3>\n        <p>Spotted something out of date? <a href=\"https:\/\/thechampagnemile.com.au\/deals\/contact\/\">Let us know<\/a> and we will look into it and update the page. 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With a Bachelor of Commerce and a background in commercial law, he reads the fine print so you don&#8217;t have to, from insurance PDSs to promo code terms. Every deal on the site is checked before it goes live and updated when offers change. When he&#8217;s not testing codes, he&#8217;s planning his next overseas trip or out on his dirt bike.<\/p>                    <p>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Indonesia (Bali) is Australia&#8217;s single most popular overseas destination, with more outbound trips than any other country in 2024-25, according to the Australian Bureau of Statistics. That volume comes with a claims pattern insurers know well: gastro, scooter accidents, and the occasional dengue diagnosis. Southern Cross Travel Insurance reported Bali-linked claims rose 50% year-on-year and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":99331,"parent":96339,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[],"tags":[],"class_list":["post-99325","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.5 - aioseo.com -->\n\t<meta name=\"description\" content=\"Compare travel insurance for Bali. What the scooter licence rule actually means, why gastro and moped claims dominate, and how top Australian insurers stack up.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"google-site-verification\" content=\"Lb-YNjKnkpLidK0Mw6a1JQ5pvIJpY2aovB5oxBuwgxo\" \/>\n\t<meta name=\"msvalidate.01\" content=\"81ff27c196c04306b8b6d2c52967f5e8\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-bali\/\" \/>\n\t\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 5.0.5\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_AU\" \/>\n\t\t<meta property=\"og:site_name\" content=\"THE CHAMPAGNE MILE\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Travel Insurance for Bali: What to Know Before You Book\" \/>\n\t\t<meta property=\"og:description\" content=\"Compare travel insurance for Bali. 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