Bali Travel Insurance for Australians Over 40 (2026 Guide)
Bali is close, popular, and usually simple to plan — but travel insurance can still get tricky around scooters, water activities, medical cover, and pre-existing conditions. Here’s a clear checklist to choose confidently.
Note: General information only. Always check the insurer’s PDS, limits, exclusions, and eligibility for your trip and activities.
Common Bali issues
Motorbike/scooter incidents, medical treatment, and unexpected trip disruption are common reasons people rely on cover.
Don’t assume “it’s included”
Activities and transport choices can change what’s covered. Always check exclusions and conditions before you buy.
Over 40 tip
Confirm how the policy handles pre-existing conditions and whether screening is required.
What to Look for in Bali Travel Insurance
If you’re travelling from Australia to Bali, your best approach is to compare policies using a consistent checklist. Don’t focus only on price — focus on whether the cover matches your trip and how the policy defines “covered events”.
7-Point Bali Checklist (Quick Scan)
- Medical cover: limits, excess, and emergency assistance availability.
- Transport and scooters: conditions that apply if you ride or are a passenger.
- Activities: snorkeling, diving, hiking, water sports — covered or excluded.
- Trip cancellation: covered reasons, caps, and documentation required.
- Delays and baggage: what’s covered and any time thresholds.
- Pre-existing conditions: screening, stability periods, exclusions.
- Max trip length: especially important if you’re staying longer than usual.
Common Mistakes Australians Make for Bali
- Buying the cheapest option without checking activity exclusions.
- Assuming scooter cover applies automatically.
- Not declaring (or misunderstanding) pre-existing conditions requirements.
- Not checking the maximum trip duration for the policy.
The “Simple Path” We Recommend
- Start with the main guide: understand what matters over 40.
- Compare providers: use the same checklist for each policy.
- Double-check conditions: activities, trip length, and pre-existing conditions.
FAQ
Do I really need travel insurance for Bali?
Many Australians choose it for medical cover, disruptions, and peace of mind. Decide based on your risk tolerance and trip details.
Is scooter riding covered in Bali?
It depends on the policy and the conditions attached. Check exclusions, licensing requirements, and whether you’re covered as a rider or passenger.
What if I have pre-existing conditions?
Requirements vary. Some policies may require screening or have stability rules. Always confirm before you buy.
Disclosure: We may earn a commission from qualifying purchases. Disclaimer: General information only. Always review the PDS and confirm limits, exclusions, and eligibility for your trip and activities.