Best travel insurance for Bali - Guide to providers, coverage, and more

If you're flying from New Zealand to Bali, you're likely dreaming of beach clubs, stunning waterfalls, and immersing yourself in the vibrant island culture. As part of that exciting planning, it's crucial to think about travel insurance. From lost luggage to scooter accidents or monkey bites, travel insurance for Bali can help protect you financially if the unexpected were to happen.

In this guide we’ll explore the best travel insurance options for Bali-bound Kiwis, including the coverage, benefit, limits and cost. We'll also introduce you to Wise, a handy companion for saving on spending during your Bali adventure.

Table of contents
What does travel insurance cover? Things to look out for when choosing a travel insurance Best travel insurance for Bali Southern Cross AA Cover-More Allianz Tower 1Cover Safeguard yourself from foreign transaction fees with the Wise card

What does travel insurance for Bali cover?

Travel insurance is there to help cover the financial fallout of any unexpected events that impact your trip. While the benefits differ between providers, most comprehensive plans include coverage for:

• Emergency medical treatment
• Emergency dental care
• Compensation for cancelled or interrupted travel
• Cover for lost luggage or stolen items
• Trip delays
• Personal liability protection
• Cover for rental car excess

Depending on the insurance provider, you may also be able to add additional cover for higher risk activities like scooter riding, quad biking, or canyon tubing through Bali’s rugged terrain.

What does travel insurance not cover?

It’s just as important to know what your travel insurance won’t cover, as it is to know what it will. Every policy comes with a list of general exclusions, and you’ll find the full details in the fine print.

Some of the most common exclusions include:

• Medical conditions you had before the trip unless you’ve disclosed and had them approved
• Adventure sports or risky activities like motorbiking without a helmet or licence
• Travelling after your doctor has advised against it
• Theft claims when belongings were left unattended
• Losses connected to illegal or irresponsible behaviour
• Incidents involving alcohol or drug use

Things to look out for when choosing a travel insurance for Bali

Here are some important things to consider before picking a policy for your trip to Bali.

• Does the policy include evacuation to somewhere with more sophisticated medical facilities if needed?
• Are you covered for common adventure activities that holidaymakers do in Bali, such as scooter riding, quad biking, surfing, or snorkelling?
• Will the insurer pay expenses upfront or will you need to pay first and claim later?

When selecting a travel insurance policy for your trip to Bali, it’s important to make sure the cover matches your plans.

• Bali is known for scooter use but most travel insurers only cover scooter riding if specific conditions are met
• Indonesia experiences natural disasters includes volcanic eruptions and earthquakes, so check if there’s any exclusions for this
• Most insurers won’t cover incidents that happen while you’re under the influence of alcohol, with the amount of alcohol being described in the policy wording

Best travel insurance for Bali in New Zealand

Here’s a look at some well known travel insurance options for New Zealanders heading to Bali, with a focus on their comprehensive plans. The pricing shown is based on a one week trip for a 30 year old traveller, with a $100 excess.

Provider (Plan)	Accidental death cover	Medical expenses	Travel cancellation	Price for 1 week	Add-ons available
Southern Cross¹	$50,000	Unlimited	$2500 before departing $50,000 once you’ve left	$87.09²	Moped and motorbike, Skiing and snowboarding, Cruise
AA³	$50,000	Unlimited	Unlimited	$105.00⁴	None
Cover-More⁵	$25,000	Unlimited	Cover chosen	$125.00⁶	Cruise Cover, Moped/Motorcycle Riding. Snow Sports, Adventure Activities
Allianz⁷	$25,000	$20 million	As selected	$113.02⁸	Cruise Pack, Snow Pack, Adventure Pack
Tower	$50,000	Unlimited	Unlimited	$94.00¹⁰	None
1Cover¹¹	None	Unlimited	Chosen limit	$108.32¹²	Cruise Pack, Adventure & Sports Pack, Winter Sports Pack

When reviewing costs, remember that travel insurance prices are influenced by several factors like your age, where you’re going, how long you’re away, and who’s travelling with you. If you’re heading to Bali with your family, it’s worth checking if a group or family policy could save you money.

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Southern Cross Travel Insurance

Southern Cross offers two policy types for international travellers; International Medical and International Comprehensive.² The Medical plan focuses solely on emergency medical care and personal liability, while the Comprehensive plan offers broader protection.¹

• Emergency medical - Unlimited
• Emergency dental - $2000
• Cancellation during journey - $50,000
• Baggage and personal items - $25,000
• Baggage delay - $1000
• Essential medication - $500
• Personal liability - $1,000,000
• Rental car excess - $10,000

Using Southern Cross a 30 year old heading to the Bali for a week would expect to pay $87.09 for Comprehensive and $53.22 for Medical cover, both with a $100 excess.²

AA Travel Insurance

AA provides Essentials and Comprehensive travel plans for people flying out for a single international trip.³

Essentials includes protection for some of the more critical events, like cancellation, medical, funeral expenses, baggage and personal liability. The coverage limits are lower though, for example medical expenses are capped at $250,000.

The Comprehensive plan offers a wider range of coverage than Essentials, with higher limits.

• Emergency medical - Unlimited
• Emergency dental - $1000 to $3000
• Cancellation of journey paid in full - Unlimited
• Baggage and personal items - $30,000
• Emergency baggage - $1500
• Incidental hospital expenses - $4000
• Personal liability - $2,500,000
• Rental car excess - $6000

A 30 year old on a week-long Bali holiday would pay around $105 for Comprehensive or $72 for Essentials insurance, with a $100 excess.⁴

Cover-More Travel Insurance

Cover-More offers New Zealand travellers a choice of three international travel insurance plans.⁵ The Basic Plan delivers low-cost cover with limited inclusions, Comprehensive Plan features broader protection and higher benefit caps, and Comprehensive+ Plan has the highest benefit limits and additional cover.

For most holidaymakers, the Comprehensive Plan is going to be the most suitable pick, offering a balance of coverage and affordability.

• Emergency medical - Unlimited
• Emergency dental - $2000
• Cancellation during journey - As selected
• Luggage and travel documents - $15,000
• Delayed luggage - $1100
• Travel delay - $2000
• Personal liability - $2,500,000
• Rental car excess - $5000

For a 30 year old planning a one week holiday to Bali, the premiums would be $105 for International Basic, $125 for International Comprehensive and $161 for International Comprehensive+⁶, all with a $100 excess.

Allianz Travel Insurance

Allianz provides two tiers of international single-trip insurance; the Comprehensive Plan and the Basic Plan.⁷ Both options can be purchased as single, duo, or family cover.

The Basic Plan is restricted to emergency medical treatment, funeral costs and liability protection. For more extensive cover there’s the Comprehensive Plan, which includes more travel-related events, like those listed below.

• Emergency medical and dental - $20 million
• Funeral expenses - $60,000
• Cancellation during journey - As selected
• Luggage, personal effects and valuables - $10,000
• Luggage and personal effect delay - $1000
• Alternative transport - $5000
• Personal liability - $5,000,000
• Rental car excess - $6000

A 30 year old traveller heading to Bali for a week can expect to pay $113.02 for the Comprehensive Plan and $85.69 for the Basic Plan.⁸ These prices are based on selecting a $100 excess.

Tower Travel Insurance

For single trips Tower offers the Comprehensive Plan and Essentials Plan.⁹

Essentials comes with lower limits and fewer benefits than Comprehensive. For example, overseas medical costs are capped at $250,000 and there’s no cover for accidental death or dental emergencies.

The Comprehensive Plan includes wider protection, covering things like medical issues, cancellations and travel delays.

• Emergency medical - Unlimited
• Emergency dental - $1000 to $3000
• Cancellation of journey paid in full - Unlimited
• Personal baggage - $50,000
• Emergency baggage - $1500
• Resumption of travel - $10,000
• Personal liability - $2,500,000
• Rental car excess - $6000

A 30 year old going to Bali for a week would pay around $94 for the Comprehensive Plan and $65 for the Essentials Plan, with a $100 excess selected.¹⁰

1Cover Travel Insurance

1Cover offers New Zealanders two international insurance plans, Comprehensive or Medical Only.¹¹

Medical Only includes unlimited cover for emergency medical issues, as well as benefits for dental care, repatriation and personal liability. For any non-medical coverage, like cancellation, you’d need to upgrade to Comprehensive.

Below are some of the inclusions and limits you get with the Comprehensive Plan.

• Emergency medical - Unlimited
• Emergency dental - $1000
• Cancellation during journey - Chosen limit
• Luggage and personal effects - $15,000
• Luggage and personal effects delay - $1000
• Repatriation of remains - $25,000
• Personal liability - $5,000,000
• Rental car excess - Not covered

For a one week Bali trip, a 30 year old choosing a $100 excess with 1Cover would pay $108.32 for Comprehensive and $79.62 for Medical Only insurance.¹²

Off to Bali? Safeguard yourself from foreign transaction fees with the Wise card

Travelling with peace of mind starts with the right insurance. Once you’ve got your travel insurance for Bali lined up, it’s time to work out the best way to spend during your trip. Meet the Wise account and card.

Open a Wise account online or in the Wise app, add money in NZD right from your bank account, and exchange NZD to IDR at your desired rate before your trip and spend at exchange at mid-market rate during your trip. That can mean you save significantly compared to using your bank, as you’ll avoid foreign transaction fees and rest assured you’re getting one of the fairest exchange rates out there along with low, transparent fees. You’ll also be able to get a linked Wise card to use for contactless payments, add your card to a wallet like Apple Pay, or make some free ATM withdrawals when you need cash in Thailand.

Take Wise with you to Bali, and save up to 8x when you spend internationally.

🚀 Get your Wise card today

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Savings claim based on our rates vs. selected New Zealand banks and other similar providers in Jan 2025. To learn more, please visit https://payout-surge.live/nz/compare%3C/a%3E%3C/small%3E%3C/p%3E%3Csmall%3E

Please see Terms of Use and product availability for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.

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Sources:

1. Southern Cross - International Comprehensive
2. Southern Cross - Quote
3. AA - International Leisure Cover Policy Wording
4. AA - Quote
5. Cover-More - Policy wording
6. Cover-More - Quote
7. Allianz - Policy wording
8. Allianz - Quote
9. Tower - Policy wording
10. Tower - Quote
11. 1Cover - Policy wording
12. 1Cover - Quote

Sources last checked on date: 13 May 2025