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Bali is a holiday paradise, but unexpected situations such as volcanic activity, traffic risks, and water accidents may affect your trip. A high-quality travel insurance can give you comprehensive protection with the least money. This guide will reveal the money-saving tips for Bali travel insurance and help you avoid the pitfalls that 90% of tourists will fall into!
1. 6 insurance clauses that must be covered when traveling to Bali
Be sure to confirm these core protections before choosing insurance (none of them can be missing):
✅ Emergency medical expenses (at least $100,000 in coverage, serious injuries and illnesses in Bali need to be transferred to Singapore/Australia, the cost exceeds $50,000)
✅ Medical transfer and repatriation of remains (Bali has limited medical conditions, key protection!)
✅ Trip cancellation/interruption (covers common causes such as volcanic eruptions and sudden illnesses)
✅ Personal liability insurance (compensation for injuries or property losses caused to others due to accidents)
✅ High-risk sports protection (diving/surfing/motorcycle riding, etc., usually excluded from ordinary insurance)
✅ Electronic device damage/theft (high incidence of mobile phone camera thefts!)
📌 Special note: most insurances do not cover motorcycle accidents (unless you have a valid driver’s license), be sure to confirm the terms when renting a motorcycle!
Second, comparison of two cost-effective insurance plans
Plan 1: Free insurance with credit card (suitable for light-travelers)
Applicable people: Hold high-end credit cards and have simple itineraries (no high-risk activities)
Recommended cards:
- Amex Platinum
- Chase Sapphire Reserve
- China Merchants Bank Diamond Card
Advantages:
▪️ Free basic insurance
▪️ Covers flight delays/lost luggage
Disadvantages:
▪️ Does not cover high-risk sports (diving/motorcycles, etc.)
▪️ The card must be used to pay more than 80% of the travel expenses
Plan 2: Local insurance company (emergency option)
Applicable situations: Forgot to purchase in advance/need additional protection
Recommended options:
- Tugu Insurance (Bali, including volcanic eruption protection)
- Astra Insurance (motorcycle accident special insurance)
Advantages:
▪️ Available for purchase at the store
▪️ Low premium (about $3/day)
Disadvantages:
▪️ Unclear English terms
▪️ Complicated claims process
III. 4 pitfall avoidance tips that 90% of tourists don’t know
🚫 Pit 1: Thinking that “all water sports are covered”
▪️ Truth: Deep diving (over 18 meters), free diving, and surfing big waves usually require additional purchase
▪️ Countermeasure: Choose World Nomads “Adventurer” package
🚫 Pit 2: No compensation for motorcycle rental accidents
▪️ Truth: Claims without an International Motorcycle License (IDP) will be rejected
▪️ Countermeasure: Get an IDP in advance, or buy Astra’s special insurance
🚫 Pit 3: There are many restrictions on claims for electronic equipment
▪️ The truth: Most insurance policies do not cover more than $500 per item (even iPhone 14 cannot cover all of it)
▪️ Countermeasure: Buy insurance with “high personal belongings protection” (such as Allianz Premium)
🚫 Pit 4: Volcanic eruption is considered a “known risk” and is not covered
▪️ The truth: If a volcanic warning has been issued before the policy takes effect, the claim may be rejected
▪️ Countermeasure: Choose local insurance such as Tugu, which clearly includes volcanic clauses
Fourth, real case: Buy like this and save 50%
Case background:
Kobayashi plans a 10-day trip to Bali, including diving + motorcycle rental
Wrong way to buy:
▪️ Buy bundled insurance through the airline for $120
▪️ Diving is not included, and motorcycle accidents must be paid for by yourself
Correct way to buy:
1️⃣ Pay for air tickets with a Chase credit card (get basic protection)
2️⃣ Buy World Nomads separately 10-day insurance for $65
✔️ Total cost $65 vs. original plan $120
✔️ Full coverage for diving + licensed motorcycles
Final reminder:
🔸 Save the insurance policy PDF to your phone and print a copy
🔸 Save the emergency number: Bali Ambulance +62 361 118
🌴 Now, you can enjoy the sunshine and beaches of Bali without worry! If you have other questions, please leave a message to discuss~
