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Travel insurance for Bali

It’s all bagus in Bali

With its endless rice paddies and world-famous surf breaks, the Indonesian island of Bali has long enchanted Australian visitors. Although it’s a friendly destination, Bali’s rumbling volcanoes, cheeky monkeys and non-potable tap water mean it might be a good idea to consider getting travel insurance. We can help with that.

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How Freely works

Start with our Explorer Plan

We've made buying travel insurance easier by bundling medical, trip and belongings cover in our single Explorer Plan. Get a quote and buy your policy in minutes.

Add Trip Extras

If you need additional coverage for your trip or favourite gadgets, you can build upon the Explorer Plan by adding any of our Trip Extras.

Turn on Daily Boosts

Last-minute ski trip? Need a rental vehicle or motorcycle for the day? Embrace spontaneity and toggle on additional activity coverage for the days you need it.

The flexible travel insurance app that lets you explore Freely!

What's covered?

We've simplified travel insurance with our bundled Explorer Plan that you can build upon with extra coverage. This way, you only pay for the coverage you need on the days you actually need it.

Cover for medical

We provide coverage for overseas medical expenses, including hospital expenses for approvable claims. If things go really wrong, we can help with emergency repatriation or evacuation to bring you home.

Only applies to Overseas Explorer Plan

Cover for your trip

If you need to amend, delay or cancel your trip, we can help smooth out bumps in your travel plans. You can even increase your cancellation coverage in increments of $1,000 by paying additional premiums.

Cover for your gear

We offer coverage to help fund the replacement or reimbursement
of delayed, lost, stolen or damaged luggage. You can also increase the single-item limit for portable electronic gadgets, and ramp up your coverage for other specified items you won't travel without.

Overseas
Domestic
Overseas Explorer Plan

When things go wrong overseas, travel insurance can be the unexpected hero of your trip. Freely's Overseas Explorer Plan offers coverage for medical and dental, emergency evacuation and repatriation, trip cancellation and amendment, and lost and delayed luggage.

Cover for your health

Accidental death$10,000

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your death, we will pay your estate the amount (provided your death occurs within one year of the accident).

Disability$10,000

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your permanent total loss of sight in one or both eyes or the loss of use of one or more limbs, we will pay you the amount shown in the Plan purchased (provided the loss occurs within one year of the accident).

Cover for medical

Overseas medical expenses$Unlimited~

If you become sick or injured while on your trip, we may provide cover for unexpected medical and hospital expenses.

Overseas emergency dental$Unlimited~

If you need to pay for unexpected dental treatment during your trip, we may provide cover for emergency overseas dental expenses.

Overseas emergency repatriation$Unlimited~

If you become sick or injured while on your trip and need emergency repatriation, we may provide cover for that.

Existing medical conditionsLimits apply

Some existing medical conditions are automatically covered by our Explorer Plan (subject to the criteria outlined in the PDS). If your existing medical condition falls outside the criteria or isn’t on the list, we may still be able to provide cover for your condition subject to the outcome of a short medical assessment, an additional premium may apply.

Overseas emergency evacuation$Unlimited~

If you become sick or injured while on your trip and need emergency evacuation, we may provide cover for that.

Accidental death$25,000

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your death, if approved, we will pay your estate the amount (provided your death occurs within one year of the accident).

Disability$25,000

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your permanent total loss of sight in one or both eyes or the loss of use of one or more limbs, if approved, we will pay you the amount shown in the Plan purchased (provided the loss occurs within one year of the accident).

Cover for your trip

Trip cancellation and amendment$5,000

If you need to unexpectedly amend or cancel your trip for a covered reason, we can reimburse you for the costs of your prepaid, non-refundable travel arrangements.

Additional expensesLimits apply

If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we may provide cover for the additional expenses you incur.

Travel delay expenses$2,000

If your pre-booked, prepaid transport is temporarily delayed during the journey for at least 6 hours due to an unforeseeable circumstance outside your control (including a cyber incident), we may provide cover for the related expenses you incur up to $2,000.

Resumption of journey$2,000

If you need to return to Australia while you're on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner, we may provide cover for the cost of resuming the journey up to $2,000.

Special events$2,000

If, due to an unforeseeable circumstance outside your control, your journey would otherwise be delayed – resulting in you being unable to arrive in time to attend a wedding, funeral, 25th or 50th wedding anniversary, or a prepaid conference, music festival or sporting event that cannot be delayed due to your late arrival – we may pay for the reasonable additional cost of using alternative public transport to arrive at your destination on time.

Personal liability$3,000,000

If you become unintentionally legally liable to pay compensation for damage caused to someone, we may provide coverage of up to $3,000,000. Limits, sub-limits, conditions and exclusions apply.

Cover for your stuff

Lost, stolen or damaged luggage$10,000

If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for your items or for repairing your items. The limit per item is $750.

Luggage delay$1,000

If your luggage is delayed by a transport provider for more than 12 hours during your trip, we can reimburse you for the costs of several personal items purchased.

Passport and travel documents$1,000

We may pay you for the cost of replacing travel documents and credit cards lost or stolen on the journey. We may also pay for your legal liability arising from their illegal use. You must, however, comply with all the conditions of the issue of the document prior to and after the loss or theft.

Lost or stolen money$500

If your cash, bank or currency notes, postal or money orders are accidentally lost or stolen on your trip, we can reimburse you for the cost of the loss.

Domestic Explorer

It's easy to assume that travel insurance is only necessary for overseas holidays – but travelling domestically within Australia's borders carries many of the same risks! Freely offers coverage for all domestic travel: from the bustling hubs of Sydney and Melbourne to more regional, nature-based destinations such as Tasmania and the Gold Coast.

Cover for medical

Accidental death$10,000

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your death, we will pay your estate the amount (provided your death occurs within one year of the accident).

Disability$10,000

If you suffer an injury caused solely and directly by violent, accidental, visible and external means (as opposed to being caused by sickness or disease) that results in your permanent total loss of sight in one or both eyes or the loss of use of one or more limbs, we will pay you the amount shown in the Plan purchased (provided the loss occurs within one year of the accident).

Cover for your trip

Trip cancellation and amendment$5,000

If you need to unexpectedly amend or cancel your trip for a covered reason, we can reimburse you for the costs of your prepaid, non-refundable travel arrangements.

Additional expenses$10,000

If you encounter unexpected accommodation and/or transport costs during your travels because of a covered event, we can provide cover for the additional expenses you incur.

Travel delay expenses$2,000

If your pre-booked, prepaid transport is temporarily delayed during the journey for at least 6 hours due to an unforeseeable circumstance outside your control (including a cyber incident), we can provide cover for the related expenses you incur up to $2,000.

Resumption of journey$2,000

If you need to return to Australia while you're on your trip because of the sudden serious injury, sickness, disease, or death of your relative or business partner, we can provide cover for the cost of resuming the journey up to $2,000.

Special events$2,000

If, due to an unforseeable circumstance outside your control, your journey would otherwise be delayed – resulting in you being unable to arrive in time to attend a wedding, funeral, 25th or 50th wedding anniversary, or a prepaid conference, music festival or sporting event that cannot be delayed due to your late arrival – we will pay for the reasonable additional cost of using alternative public transport to arrive at your destination on time.

Personal liability$200,000

If you become unintentionally legally liable to pay compensation for damage caused to someone else's property or for the injury or death of someone, we may provide coverage of up to $200,000.

Cover for your stuff

Lost, stolen or damaged luggage$10,000

If your luggage or travel documents are lost, stolen, or damaged on your trip, we can reimburse you for the cost of replacing or repairing your items. The limit per item is $750.

Luggage delay$1,000

If your luggage is delayed by a transport provider for more than 12 hours during your trip, we can reimburse you for the costs of several personal items purchased.

Lost or stolen money$500

If your cash, bank or currency notes, postal or money orders are accidentally lost or stolen on your trip, we can reimburse you for the cost of the loss.

There’s a lot of detail to unpack in the above, so refer to and read the Combined FSG/PDS for more information. To learn about the Target Market for this product, you can read our TMD. ~ Medical and dental cover will not exceed 12 months from onset of the illness or injury.

24/7 Emergency assistance
In-app chat support
In-app travel safety alerts
24/7 Telehealth access

Need extra coverage for your trip?

Build on your Explorer Plan by adding Trip Extras to get greater protection for your personal belongings, and enhanced delay and cancellation coverage. You can also toggle on Daily Boosts to get coverage for certain activities, from motorbike riding to adventure sports – and toggle them off when your plans change!

Get flexible travel insurance and protection in minutes with Freely!

How to get to Bali

Getting to Bali from Australia is super easy due to the variety of relatively cheap flights offered by airlines such as Jetstar, Virgin Australia, Malindo and AirAsia. Bali’s international airport is called I Gusti Ngurah Rai, and depending on which Australian airport you are flying from, the journey will take you between three and seven hours. The average travel time for direct flights from Sydney or Melbourne to Bali is just over six hours!

If you have an Australian passport with at least six months’ validity, you are eligible for Indonesia’s Visa on Arrival or e-Visa on Arrival. This can be purchased when you land at some international airports – including Bali’s. It’s valid for 30 days and costs around $50AUD. You also need to have a flight out of Indonesia booked as proof that you will not overstay. 

On February 14, 2024, the Balinese government also introduced a levy for foreign tourists that costs IDR 150,000 (about $15AUD).

For the latest travel and visa requirements, always be sure to check the Australian Government website Smartraveller and organise the right travel documents before travelling.

Why get travel insurance for Bali?

Bali is a beautiful island with plenty of wonders to enjoy on your visit – from majestic Mount Agung and the jungles of Ubud. That said, travelling in Bali also opens you up to many risks, which is why it is important to consider getting travel insurance for your trip. Events out of your control can cause turmoil with your holiday plans and leave you seriously out of pocket.

Scenarios that could see you needing medical assistance in Bali include contracting traveller's diarrhoea (known colloquially as Bali belly), getting a reef cut surfing or being in a scooter accident (keep in mind that as a rider or as a passenger, you need to have added our Motorcycle and Moped Riding Boost to your base policy at an additional cost and meet the requirements to get coverage. For full details, read our PDS).

Apart from the high costs of medical care in Bali, there are several other reasons why getting travel insurance is a smart choice. For instance, travel insurance can cover you in case of trip cancellations, lost or stolen luggage, or even emergency evacuations. Purchasing travel insurance for Bali gives you an extra layer of protection against all these unwanted scenarios and more that may occur during your travels.

Top tips for travelling in Indonesia

Here are some helpful tips to consider ...

1

Take steps to prevent traveller's diarrhoea or Bali belly

Don’t drink from the tap – stick to filtered or bottled water instead. Sanitise and wash your hands regularly. You can also take a natural probiotic like Travelan as a preventative supplement to get your guts in good shape before you go. If the worst happens and you succumb to the sickness, take activated charcoal tablets, stay hydrated and get plenty of rest.

2

Respect the laws and local customs

Unfortunately, some tourists get a little overexcited in Bali and tend to forget about local laws and customs – and disrespecting these can get you in big trouble. Follow the road rules, never drink and drive, be mindful not to step on religious offerings, don’t take photos of people without asking and be respectful of sacred spaces such as temples.

3

Be sustainably minded

Bali’s natural beauty is gobsmacking, and the more we can do to preserve it, the better! Wear reef-safe sunscreen when in the water; carry your own reusable drinkbottle (your accommodation will have water coolers you can use to refill); and say no to plastic wherever possible.

Why Freely?

Only pay for the extra coverage you need on the days you actually need it.

Update your policy on your trip so you can embrace travel spontaneity.

Get 24/7 support in-app with access to our medical and emergency specialists.

Giving back to people, places and the planet

Still got questions?

What happens if there is a natural disaster in Bali?
I want to rent a scooter, moped or motorbike in Bali. Will this be covered?
Will my hospital bills be covered if I require medical treatment in Bali?
Will I be covered in Bali if I am under the influence of drugs or alcohol?
What happens if I am affected by a terrorist attack or political unrest in Bali?

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