Bali money guide • 2026
Travel Insurance Bali: What Actually Pays Out (2026)
Short answer: for most Bali trips, SafetyWing Essential ($62.72 per 4 weeks at ages 10-39, $250,000 medical, $0 deductible for non-US residents, cancel anytime, buy after you land) is the plan to start with. If you will ride a scooter, Genki Traveler (from €52/month, age-based, €1,000,000 medical, motor vehicle use covered with conditions — check the policy wording) is the second option. At 70-74, the only direct travel plan we can name is IMG Patriot; at 75 and over, send us your file and we match it individually.
Last updated: 5 September 2026 — figures verified against official product pages (our source-of-truth files, checked 1-25 August 2026).
Disclosure: this guide contains affiliate links (SafetyWing, Genki, IMG). We may earn a commission at no extra cost to you. Insurers without an affiliate programme are named for market context only. Full disclosure.
⚡ QUICK ANSWER — WHICH TRAVEL INSURANCE FOR BALI?
- 🥇 SafetyWing Essential — $62.72 per 4 weeks (ages 10-39), $250,000 medical, $0 deductible (non-US residents), no commitment, buy while already in Bali. Get a SafetyWing quote →
- 🥈 Genki Traveler — from €52/month (age-based), €1,000,000 medical, €50 deductible per case (€0 if hospitalised), motor vehicle use covered with conditions — check the policy wording. Get a Genki quote →
- 👴 Ages 70-74 — IMG Patriot International (see the seniors section). 75 and over — no direct travel plan in our catalogue: send us your age and conditions.
- 🛵 Renting a scooter? Read the Bali scooter insurance conditions before you pick a plan.
Do you need travel insurance for Bali?
Not legally. No Indonesian visa category — visa-free entry, Visa on Arrival, the e-VOA or a business visa — asks for proof of insurance, and immigration at Ngurah Rai does not check for it. That is the whole of the legal answer, and we go through it category by category in Do I need travel insurance for Bali?.
The practical answer is different. Private hospitals in Bali treat foreigners as self-paying patients: they ask for a deposit, a card guarantee or an insurer’s confirmation before anything beyond first aid. Without a policy, the bill is yours from the first hour. We do not publish hospital price lists on this page because we only print figures we have verified; documented examples are on our healthcare cost in Indonesia page.
So the question is not whether to insure a Bali trip but which plan pays for the things that actually go wrong in Bali: scooter crashes, surf and reef injuries, dengue, stomach infections that need a drip, and the occasional volcano that grounds flights. The rest of this page is built around those five risks.
What travel insurance for Bali costs (verified prices)
Only the figures below come from official product pages. Anything we could not verify is marked “on quote” rather than guessed.
| Plan | Price | Medical limit | Deductible | Age at sign-up |
|---|---|---|---|---|
| SafetyWing Essential | $62.72 per 4 weeks (ages 10-39); about $218/month at 60-69 | $250,000 ($100,000 at 65-69) | $0 (US residents: $250) | age brackets up to 60-69 |
| SafetyWing Complete | from $177.50/month (ages 10-39), 12-month minimum | $1,500,000 | $0 (US residents: $250) | until 64, then renewable indefinitely |
| Genki Traveler | from €52/month (age-based) | €1,000,000 | €50 per case, €0 if hospitalised | up to 69 |
| IMG Patriot International (70-74 only on this site) | on quote (5 days to 12 months) | 70-79: $100,000 (Platinum) / $50,000-$100,000 (Lite) | chosen on the product page | we propose it at 70-74 |
| Other insurers (Allianz, AXA, Cigna, local Indonesian plans) | varies — quote via the contact form | varies | varies | varies |
Per-day arithmetic, derived from the official prices: SafetyWing Essential $62.72 ÷ 28 days ≈ $2.24 per day (ages 10-39); Genki Traveler €52 ÷ 30 days ≈ €1.73 per day (starting price, age-based). A two-week Bali holiday on SafetyWing Essential is still billed as one 4-week period.
SafetyWing for Bali: the default choice
Why it fits a Bali trip. Essential is a rolling 4-week subscription: you can sign up from your villa in Canggu the day after you arrive, and stop it the day you fly home. There is no deductible for non-US residents, so a single clinic visit for Bali belly or a stitched-up reef cut is paid without you eating the first few hundred dollars. One child under 10 is covered free per adult on Essential — useful for family trips. Your home country is covered for 30 days per 90 days of insurance (15 days for US residents), which handles the stopover home between two Asian legs.
Where it stops. Two-wheelers are covered only with a valid motorcycle licence and a helmet; the engine-size thresholds you see quoted online do not appear in the official sources, so confirm them in the policy wording before you rely on them. Surfing, diving, kitesurfing and other higher-risk activities sit in the paid Adventure Sports add-on on Essential (included in Complete), capped at $100,000 lifetime. Pre-existing conditions are not covered. Essential has no trip-cancellation cover, and the medical limit drops to $100,000 at ages 65-69.
Complete raises the medical limit to $1,500,000 and is designed for people living abroad; it carries a 12-month minimum and sign-up closes at 64 (renewable indefinitely once enrolled). For a holiday, Essential is the one to buy.
Genki Traveler for Bali: the scooter and sports option
Why it fits a Bali trip. Genki Traveler is a 1-to-12-month travel health plan underwritten by Squarelife, with a €1,000,000 medical limit, a €50 deductible per case that falls to €0 if you are hospitalised, and direct billing where the hospital accepts it. It is sold to travellers up to 69 and can be bought while you are already abroad — with a 14-day waiting period for emergencies if you had no prior cover, so buy it before you land if you can. Its official positioning lists sports (diving, skiing and snowboarding are cited) as included; the exact list and the conditions per activity are not published, so the policy wording is the reference.
Motor vehicles. Motor vehicle use is covered with conditions — check the policy wording. That single line is why so many Bali visitors choose Genki over a standard holiday policy. It is not a blank cheque: the conditions are in the wording, and we summarise the practical ones on the Bali scooter insurance page.
Where it stops. No trip cancellation, no mental-health cover, no dental (except accidents), no alternative or rehabilitative care, no pre-existing conditions. Emergencies in your home country are limited to six weeks per stay, and USA/Canada cover is an option chosen at sign-up.
Which plan for which Bali trip
🛵 Scooters in Bali: the clause that decides your claim
Most Bali visitors ride. Most holiday policies either exclude two-wheelers or attach conditions that riders never read: a motorcycle licence from home, an International Driving Permit, a helmet, sobriety, and sometimes an engine cap. Break one and the claim is rejected at the moment you need it most.
Here is how the two plans on this page handle it. SafetyWing: covered only with a valid motorcycle licence and a helmet — engine limits are not stated in the official sources, check the wording. Genki Traveler: motor vehicle use covered with conditions — check the policy wording. Neither plan pays for damage to the rented scooter itself; that is the rental company’s insurance (or the deposit you handed over).
Everything else — the police, the rental shops, what happens after a crash, how the licence rule is applied in practice — is on our dedicated guide: Scooter insurance Bali: the complete guide. If you have already had an accident, go straight to what to do after a motorbike accident in Bali.
Ages 70-74: IMG Patriot. Ages 75+: the broker route
SafetyWing Essential and Genki Traveler both stop at 69. Between 70 and 74 the one direct travel plan we name is IMG Patriot International (Lite or Platinum): a travel medical plan for non-US travellers, sold for 5 days to 12 months and renewable. Know the limits before you buy: at 70-79 the medical maximum is reduced to $100,000 on Platinum and $50,000-$100,000 on Lite; “acute onset” of pre-existing conditions is covered only under 70, so at 70+ there is no such cover; the sports rider is available up to 65 only. The exact Lite/Platinum thresholds by age are confirmed on the product page at purchase.
At 75 and over there is no direct travel plan in our catalogue, and we do not send you to an affiliate link. Send your age, destinations and conditions through the contact form: these files are matched individually with a broker. The full age-by-age picture for Indonesia is on Indonesia travel insurance for seniors.
Bali-specific exclusions: volcano, surf, motorbike
🌋 Volcanic ash and cancelled flights
Agung’s eruptions have closed Ngurah Rai airport before, and Java’s volcanoes disrupt domestic connections. Neither Genki Traveler nor SafetyWing Essential includes trip cancellation, so a grounded flight is a cost you carry unless you hold a separate cancellation policy. SafetyWing Complete and dedicated travel policies handle cancellation differently — read the “known event” clause: once an eruption is in the news, new policies generally will not cover it. Medical treatment during an ash-cloud stranding is covered like any other illness or accident.
🏄 Surf, reef cuts and diving
Reef cuts at Uluwatu and Bingin get infected fast; board injuries are routine at Canggu. On SafetyWing Essential, surfing, diving and kitesurfing belong to the paid Adventure Sports add-on (included in Complete) with a $100,000 lifetime cap; organised competition, professional practice and courses are never covered — the school’s insurance must cover a lesson. Genki lists sports as included, with the detail in the policy wording. Divers should read our diving insurance for Indonesia page before booking a liveaboard. For a surf-first trip, the spot-by-spot version of this is our surf insurance guide for Indonesia and Bali.
🛵 Motorbike, alcohol and the police report
Licence and helmet on SafetyWing; conditions per the wording on Genki (see the scooter section). Any insurer rejects a claim where alcohol or drugs are involved, and theft claims need a police report. Pre-existing conditions are excluded by both plans; new and unexpected problems remain covered under the policy terms.
🦟 Dengue, Bali belly and rabies
These are illnesses, not exclusions: consultations, IV rehydration, hospital nights and post-exposure rabies shots after a monkey or dog bite are handled as medical claims on both plans, subject to the deductible ($0 on SafetyWing for non-US residents; €50 on Genki, €0 if hospitalised). Keep every receipt and ask for an English invoice — the main Bali hospitals are used to it.
How a Bali claim actually works
- Emergency first, insurer second. Go to the nearest international-standard hospital (BIMC, Siloam and Kasih Ibu are the usual names in the south). Then contact the insurer’s 24/7 line or chat; they can confirm cover to the hospital and, where the hospital accepts it, arrange direct billing so you do not pay upfront.
- Collect the paper. Medical report, itemised invoice, prescriptions, receipts, and a police report for theft or a traffic accident. Photograph everything before you leave the hospital.
- Submit online. SafetyWing takes claims through its online dashboard and announces a typical reimbursement within 21 days or less. Genki works through its app and direct-billing network. Both want the documents above, in English where possible.
- Evacuation. Serious cases leave Bali for Jakarta or Singapore. Ask the insurer to organise it — a self-arranged medevac is the most common way to end up with an unpaid bill. Details on medical evacuation from Bali to Singapore.
Travel insurance Bali: your questions answered
The Bali verdict
Holiday or workation without a scooter: SafetyWing Essential — $62.72 per 4 weeks at 10-39, $0 deductible, cancel when you leave. Scooter, surf and higher medical limits: Genki Traveler — from €52/month, €1,000,000, motor vehicle use covered with conditions. Ages 70-74: IMG Patriot with its reduced limits in mind. Ages 75+: talk to us. Whatever you pick, read the motorbike and sports clauses before you ride or paddle out.
Related Bali guides
Scooter insurance Bali →
Do I need travel insurance for Bali? →
Best hospitals in Bali →
Healthcare costs without insurance →
Seniors 60+, 70+, 80+ →
Ask us (free) →
Disclaimer: general information only, not insurance, legal or medical advice. Products, prices and wording change; verify the current terms with the insurer before buying. We are not licensed insurance brokers in Indonesia.