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.
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.
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.
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.
Planning to ride a scooter in Bali – as a driver or as a passenger? To be eligible for cover, you must add our Motorcycle and Moped Riding Boost to your base policy for all the days that you’re riding and meet the requirements set out in the PDS.
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.
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
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.
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.
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).
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).
If you become sick or injured while on your trip, we may provide cover for unexpected medical and hospital expenses.
If you need to pay for unexpected dental treatment during your trip, we may provide cover for emergency overseas dental expenses.
If you become sick or injured while on your trip and need emergency repatriation, we may provide cover for that.
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.
If you become sick or injured while on your trip and need emergency evacuation, we may provide cover for that.
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).
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).
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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).
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.
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.
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.
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.
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.
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.
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.
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.
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.
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!
Even on a dream trip to Bali, travel doesn’t always go to plan. The Indonesian island is impacted by contaminated drinking water, active volcanoes and the rabies virus, and its increasingly trafficked roads and high flow of tourist drivers means it also has one of the highest road death tolls.
The Australian Government’s Smartraveller website advises travellers to get insurance "regardless of who you are, where you're going and what you're doing.” In Bali, if something goes wrong and you need financial and practical support, travel insurance may come in handy.
Freely is a travel insurance and safety app that offers travellers coverage for a range of scenarios that may arise in Bali. With a Freely policy, you’ll also get 24-hour access to our team of medical and emergency specialists, live chat with customer support and the ability to toggle cover on and off using the Freely app.
While our base policy provides unlimited medical coverage for travellers in Bali, this does not automatically extend to costs incurred as a result of riding on a scooter or motorbike. If you hop on a scooter or motorcycle as a driver or as a passenger, you need to add our Motorcycle and Moped Riding Boost to your base policy at an additional cost for the days you’re riding, and you also need to meet certain requirements in order to be covered.
For more detail, be sure to read the PDS.
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.
Here are some helpful tips to consider ...
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.
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.
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.
