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.
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 get cover, you must add our Motorcycle and Moped Riding Boost to your policy for all the days that you’re riding and meet the requirements set out in the PDS.
We all love a good time – but please also note that cover will not apply to claims arising from being under the influence of alcohol or drugs.
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 $1,500.
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 $1,500.
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 add Daily Boosts on-the-go to get cover for activities, from motorbike riding to adventure sports.
The Australian Government’s Smartraveller website says that the most important thing is choosing a travel insurance policy that covers what you need for you and your trip.
“Resist the temptation to get the cheapest option without checking that it suits your needs,” Smartraveller advises. “Consider your unique needs and read the PDS. If it's not a match, it's not good value.”
For Bali, some travellers only want a policy that includes medical and emergency cover as a benefit, while other travellers also want cover for things like trip cancellation and lost luggage. Freely’s single bundled plan – our Overseas Explorer Plan – includes benefits for overseas medical, trip cancellation, and lost and stolen luggage, as well as 24-hour access to medical and emergency support and access to telehealth.
Plus, while many activities are automatically covered by our Overseas Explorer Plan (please refer to our PDS), you can get extra cover for activities in Bali like riding a moped, so long as you add our Motorcycle and Moped Riding Boost to your policy at an additional cost for all the days you’re riding.
For more detail, be sure to read the PDS.
If you get sick or injured in Bali, the medical bills you rack up could be extensive. For example, treatment to prevent the rabies virus in the wake of a dog or monkey bite can cost hundreds of dollars and typically requires repeat hospital visits.
That’s why the Australian Government’s Smartraveller website considers travel insurance “essential if you end up sick or injured”, highlighting the fact that “medical assistance is usually the highest unexpected cost for Australians overseas”.
Freely’s Overseas Explorer Plan includes as a benefit overseas medical and emergency dental cover for travellers in Bali (cover will not exceed 12 months from the onset of illness or condition). We also provide travellers with 24-hour access to medical and emergency assistance and telehealth, which may be helpful for navigating Bali’s health system when you’re unwell.
Our Overseas Explorer Plan also includes as a benefit cover for COVID-19, such as overseas medical expenses and pre-departure cancellation if you or your travel companion are diagnosed with COVID-19 prior to departure (limits, sub-limits, conditions and exclusions apply).
For more detail, be sure to read the PDS.
Freely offers cover for travellers who want to rent and/or ride a scooter in Bali, but only when you add our Motorcycle and Moped Riding Boost to your base policy at an additional cost for all the days you’re riding – whether you’re driving or a passenger. You also need to meet a set of requirements in order to be covered.
As a general rule, regardless of the bike’s engine capacity, you must be wearing a helmet while you ride and you cannot be racing, participating in a professional capacity or doing motocross. If you’re a passenger, the person driving the bike needs to have a valid licence for riding that vehicle.
Please note that cover will not apply to claims arising from being under the influence of alcohol or drugs.
To learn more about our Motorcycle and Moped Riding Boost for your trip to Bali, be sure to read the PDS, which contains the conditions and exclusions that may impact or disqualify cover for moped and motorcycle riding.
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.
Bali is a paradise to relax in and explore, but accidents do happen. For example, a monkey or dog bite requires immediate, expensive and multi-day rabies treatment. For this reason, you might want to consider getting travel insurance with overseas medical cover so that you can access financial and other support should you need to go to the doctor or the hospital.
If you plan on renting a moped or motorbike in Bali – or even riding one as a passenger – you need to add our Motorcycle and Moped Riding Boost to your base policy for all the days you’ll be on the bike in order to be eligible for cover. You also need to meet all the requirements set out in our PDS.
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