Don’t forget to pack some peace of mind before leaving for Bali
Bali is known as paradise for a reason, offering incredible views, exquisite resorts, and a lively culture all set against the backdrop of a rich tropical climate. However, like any trip abroad, there are risks. Don't let uncertainties overshadow your Bali experience. Embrace the beauty of Bali with added peace of mind, knowing you have RAC travel insurance. Compare RAC’s travel insurance plans and choose what suits you (and your fellow travellers) best. Flexible coverage options ensure ultimate peace of mind during your getaway.
Why could travel insurance be important for Bali?
Your trip may not always go as planned. It’s important to be prepared in case you’re injured or encounter an unexpected expense.
Compare RAC’s Bali travel insurance plans and find one that suits you, so you can relax on your holiday.
What’s covered?
Any product information on this page is a summary only. For full details, please refer to the combined PDS/FSG and review each section for specific terms, conditions, exclusions, limits, and sub-limits, as well as any general exclusions that apply.
Scooter coverage
While scooters are a fun and convenient way to get around, they can be risky. Motorcycles, scooters and mopeds are covered with all of RAC’s travel insurance policies (general exclusions and specific driving conditions apply).^^
Medical coverage
RAC’s medical cover can assist you in finding treatment, and if necessary, medical evacuation. Compare our policies below to see what level of medical cover is right for you.
24/7 medical emergency assistance
Feel supported knowing there’s always someone to call. The emergency assistance team is available 24 hours a day, 365 days a year.
Trip delays, interruptions, & cancellations
RAC Travel Insurance can help with some of the costs incurred as an effect of delays, interruptions, and cancellations depending on the level of cover you have chosen and your travel situation.Baggage protection
In the unfortunate case of your baggage being lost or stolen, depending on your level of cover and chosen excess, new for old luggage can be covered up to $15,000 and luggage delay can be covered up to $750.Adventure sports
Most amateur sporting and adventure activities such as surfing or snorkelling will be automatically covered as part of your policy. Some activities like scuba diving and quad biking are included but under certain conditions so check the PDS for more information.Limited COVID-19 Cover
Limited COVID-19 cover is included in all international policies.<Natural disasters
Indonesia is known for its stunning volcanic views. Unfortunately, these come with the risk of natural disasters. Eruptions, floods, and earthquakes are rare, but you’ll have greater peace of mind knowing you have some protection. RAC Travel Insurance can offer some coverage for emergency expenses in the event of most unforeseen natural disasters and severe weather conditions, including a volcanic eruption.Theft
Help protect your personal items with RAC Travel Insurance, and stay vigilant in tourist-heavy areas for credit card scammers, thieves, and pickpockets. If your personal money or luggage is stolen (provided they are not left unattended) and you can provide proof of ownership, there may be cover available.Compare our policies
This table only provides a summary of the policy benefits. For full details, please refer to the combined PDS/FSG and review each section for specific terms, conditions, exclusions, limits, and sub-limits, as well as any general exclusions that apply.
| International Comprehensive .this is the choice. | International Essentials | Medical Only | |||
|---|---|---|---|---|---|
| (per Adult) | (per Adult) | (per Adult) | |||
| Cancellation Fees & Lost Deposits (Unforseen Circumstances) | |||||
| Cancellation Fees & Lost Deposits (Unforseen Circumstances) | $Choice of limit | $Choice of limit | Not Covered | ||
| Overseas Medical and Hospital | |||||
| Overseas Medical and Hospital | $unlimited* | $unlimited* | $unlimited* | ||
| Cash in hospital Sub-Limits apply | |||||
| Cash in hospital Sub-Limits apply | $6,000~ | $3,500~ | $1,500~ | ||
| Overseas Dental Sub-Limits apply | |||||
| Overseas Dental Sub-Limits apply | $unlimited* | $2,000 | $500 | ||
| Funeral Expenses Overseas Sub-Limits apply | |||||
| Funeral Expenses Overseas Sub-Limits apply | $20,000** | $15,000** | $10,000** | ||
| Luggage | |||||
| Luggage | $15,000 | $7,500 | $2,000 | ||
| Travel Documents Sub-Limits apply | |||||
| Travel Documents Sub-Limits apply | $5,000 | $1,500 | Not Covered | ||
| Luggage Delay Sub-Limits apply | |||||
| Luggage Delay Sub-Limits apply | $750 | $500 | Not Covered | ||
| Personal Money Sub-Limits apply | |||||
| Personal Money Sub-Limits apply | $500 | $250 | Not Covered | ||
| Emergency Expenses | |||||
| Emergency Expenses | $unlimited* | $25,000 | $5,000 | ||
| Accidental Death | |||||
| Accidental Death | $25,000** | $15,000** | Not Covered | ||
| Accidental Disability | |||||
| Accidental Disability | $25,000** | $15,000** | Not Covered | ||
| Your Legal Liability | |||||
| Your Legal Liability | $10,000,000 | $10,000,000 | $10,000,000 | ||
| Rental Car Excess | |||||
| Rental Car Excess | $8,000^ | $4,000^ | Not Covered | ||
| Loss of Income From Injury | |||||
| Loss of Income From Injury | $10,400 | $5,200 | Not Covered | ||
| Financial Default | |||||
| Financial Default | $10,000 | Not Covered+ | Not Covered | ||
| Travel Agent Fees Sub-Limits apply | |||||
| Travel Agent Fees Sub-Limits apply | $4,000 | $2,000 | Not Covered | ||
| Domestic Pets | |||||
| Domestic Pets | $650^~ | Not Covered | Not Covered | ||
| Domestic Services | |||||
| Domestic Services | $1,500^~ | Not Covered | Not Covered | ||
| Travel Delay | |||||
| Travel Delay | $3,000~ | $1,500~ | Not Covered | ||
| Hijack and Kidnap | |||||
| Hijack and Kidnap | $10,000**~ | $5,000**~ | Not Covered | ||
| Ski and Winter Sports Optional cover | |||||
| Ski and Winter Sports Overseas Medical and Hospital | |||||
| Ski and Winter Sports Overseas Medical and Hospital | $unlimited* | $unlimited* | Not Covered | ||
| Cash in hospital Sub-Limits apply | |||||
| Cash in hospital Sub-Limits apply | $6000~ | $3,500~ | Not Covered | ||
| Overseas Dental Sub-Limits apply | |||||
| Overseas Dental Sub-Limits apply | $unlimited* | $2,000 | Not Covered | ||
| Funeral Expenses Overseas Sub-Limits apply | |||||
| Funeral Expenses Overseas Sub-Limits apply | $20,000** | $15,000** | Not Covered | ||
| Equipment hire | |||||
| Equipment hire | $2,000^ | $1,000^ | Not Covered | ||
| Ski pack | |||||
| Ski pack | $1,000^ | $500^ | Not Covered | ||
| Piste Closure | |||||
| Piste Closure | $1,000^~ | $500^~ | Not Covered | ||
| Bad Weather and Avalanche | |||||
| Bad Weather and Avalanche | $1,000^ | $500^ | Not Covered | ||
| Lift Pass | |||||
| Lift Pass | $500 | $250 | Not Covered | ||
| Cruise Benefits Optional cover | |||||
| Cabin Confinement | |||||
| Cabin Confinement | $1,500~ | $1,500~ | Not Covered | ||
| Missed Port | |||||
| Missed Port | $150 | $150 | Not Covered | ||
| Missed Shore Excursion | |||||
| Missed Shore Excursion | $1,500 | $1,500 | Not Covered | ||
| Marine Rescue Diversion | |||||
| Marine Rescue Diversion | $500~ | $500~ | Not Covered | ||
| Get a quote Quote | Get a quote Quote | Get a quote Quote | |||
Why consider RAC for your Bali travel insurance?
Travel insurance with RAC can give you added peace of mind for your dream Bali holiday. Unleash your free spirit and soak up the good vibes, knowing you’re prepared with the knowledge and support to make the most your adventure.
RAC members save 15% on travel insurance
Enjoy the benefit of savings on your holiday. RAC members automatically save 15% on travel insurance.#24/7 medical emergency assistance
Emergency Assistance Team with a global network of doctors, nurses and logistical staff is available 24 hours a day.Automatic scooter cover
Scooter cover means you can experience life like a local with a little less worry, and it’s included with all of RAC’s travel insurance policies (general exclusions and specific driving conditions apply).^^Your kids & grandkids covered at no additional cost
RAC Travel Insurance can cover your dependants at no extra cost.††Get your quote today
Get an online quote
Get an instant quote and purchase your insurance easily online, it's as easy as a few clicks.
Have a pre-existing condition? No need to call us to check your coverage. Simply use our online medical assessment tool to determine if your condition can be covered.
Speak to a team member
Need help or have more questions? Speak to one of our friendly travel insurance consultants.
Frequently asked questions
This section only provides a summary of the policy benefits. For full details, please refer to the combined PDS/FSG and review each section for specific terms, conditions, exclusions, limits, and sub-limits, as well as any general exclusions that apply.
If you're travelling to Indonesia for tourism, official government duties or business meetings, you can apply for an e-Visa at least 48 hours before you travel. You can also get an e-Visa on Arrival (e-VOA) at some international airports, seaports or land crossings.
Please ensure you understand all your visa conditions and entry/exit requirements. Visit Smart Traveller for more information.
Consider consulting your doctor beforehand on any vaccines you may need and ways to protect yourself while travelling. You can also refer to Smart Traveller for up to date information on health concerns in Indonesia.
Stay up to date with the latest travel alerts and recommendations on the Australian Government’s website Smart Traveller.
Bali has strict border-protection consequences. Always pack your own bag, and you may want to consider getting it wrapped before you fly. Check Smart Traveller to find out more ways to protect your baggage.
Yes, you can purchase travel insurance after booking your flight and accommodation and still have it covered, just make sure you’ve purchased it before you leave home.
No, you can purchase travel insurance after booking your flight — but not after you depart.
Cover is available for persons up to 110 years of age for Single Trip policies and up to 75 years of age for the Annual Multi-Trip policy provided that:
- You either:
- are an Australian citizen or permanent resident of Australia; or
- hold a current Australian visa - but not a tourist, study or working holiday visa - that will remain valid beyond the period of your return from your trip, and you also hold a return ticket back to Australia (for International plans), a valid Australian Medicare card and have a primary place of residence in Australia;
- you purchase your policy before your trip; and
- for international cover, your trip begins and ends in Australia, and for domestic cover, your trip is wholly within Australia.
The ‘Ski and Winter Sports option’ is only available to you if you are 85 years or under at the time you purchase your policy.
RAC members get a 15% discount on all our travel insurance options.# Learn more about the benefits of becoming an RAC member.
If you have a Medical Condition that is not automatically covered and you want cover for this Medical Condition, you will need to complete the online medical assessment so that an assessment can be made on whether:
- the Medical Condition can be covered – in which case an additional Premium may be payable and the Medical Condition will be listed on Your Certificate of Insurance; or
- the Medical Condition cannot be covered – in which case, the Medical Condition that has not been accepted will be listed on your Certificate of Insurance.
Please also read the General Exclusions which apply in addition to any specific criteria and limitations related to medical conditions.
You can complete the online medical assessment as part of your travel insurance quote at rac.com.au/travelinsurance, call 1300 655 179 or visit an RAC travel centre for additional assistance.
This is an online set of medical questions (assessment) which you will need to complete if you wish to apply for travel insurance but have Medical Conditions which are not automatically covered under the policy, and you want cover for these medical conditions. You can complete this as part of your travel insurance quote at rac.com.au/travelinsurance, call 1300 655 179 or visit an RAC travel centre for additional assistance. Upon completion of this assessment, you will be informed if the Medical Condition(s) is covered and any additional premium payable.
It is also important to remember that certain prescription medications in Australia are illegal in Indonesia. Consult your doctor and check Smart Traveller to make sure your medications are okay to bring.
You can add an unlimited number of Dependants to your policy. Your dependants are included under your cover at no extra cost.††
Dependant means any one or more of your children, stepchildren, foster children or grandchildren who are:
- aged 25 years or under at the time you buy your policy; and
- financially dependent on their parents or grandparents and not working full time; and
- travelling with you for your entire trip; and
- listed on the Certificate of Insurance as your Dependant.
Your dependants are included under your cover at no extra cost as long as they do not have any medical conditions that require assessment for cover consideration, as additional medical conditions cover may require an additional premium to be paid. If you choose the Ski and Winter Sports or Cruise option, your dependants will be covered under those options as well.
If you have forgotten to list your Dependants, please contact us as soon as possible.
Claims are assessed on a case-by-case basis. Any injuries, losses or damage due to you being under the influence of alcohol or drugs may be excluded from the policy. Please check the Product Disclosure Statement for details.
< Limited COVID-19 cover is only available for specific benefits and sub-limits apply. Refer to the PDS for full details inclusions, exclusions and applicable limits.
$unlimited* or unlimited* means there is no cap on the maximum dollar amount which may be paid out for this benefit, noting that how much is payable for a benefit depends on the specific cover in the relevant section of the Policy Wording and any applicable exclusions.
** These limits are per person listed on your COI.
^ These limits are per policy.
^^ ‘Moped or Scooter’ (two or three wheeled motor vehicle (including e-scooters) with engine capacity up to 50cc), ‘Motorcycle’ (two or three wheeled motor vehicle (including electronic versions) with engine capacity equal to or greater than 50cc) and ‘Quad Bike’ are defined in the PDS. Cover is subject to general exclusions, including where you are operating or travelling as a passenger without wearing a helmet and driving without meeting specific licensing requirements. Refer to the PDS for full definitions, terms, conditions and exclusions.
~ Daily limits apply.
# Member discount applies to the premium payable (excluding GST, stamp duty and any other taxes). Offer can be withdrawn/amended at any time without notice.
†† Dependant means any of your children, stepchildren, foster children or grandchildren who are 25 years of age or under at the time you purchase your policy, financially dependent on their parents or grandparents, not working full time, travelling with you for your entire trip and listed on the Certificate of Insurance as your Dependant. Dependants can be covered at no extra cost if they have not disclosed any medical conditions requiring assessment. Terms, conditions, exclusions, limits and sub-limits apply. Refer to PDS for full details.
R.A.C. Travel Services Pty. Limited (ABN 17 009 164 176, AR No. 228577) (RAC) is an authorised representative of the RAC Travel Insurance insurer Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548) (Tokio Marine). Tokio Marine Management (Australasia) Pty Ltd (ABN 69 001 488 455, AR No. 1313066) is an authorised representative of Tokio Marine, and administers RAC Travel Insurance as the managing agent on behalf of Tokio Marine.
Terms, conditions (including eligibility criteria), exclusions, limits and sub-limits apply. Any advice is general advice only, and does not take into account your specific objectives, financial situation or needs. Before you purchase, please consider the Combined Product Disclosure Statement (PDS) / Financial Services Guide (FSG) and Target Market Determinations (TMDs) available on RAC’s website, or on request from RAC.