Travel insurance and COVID-19 cover
Things to know before you go overseas.
Don’t forget to pack 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 with peace of mind, knowing RAC has your back with Bali 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?
Cover your bases with RAC and relax with ease, knowing you’ve taken all the necessary precautions. 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?
Scooter coverage
While scooters are a fun and convenient way to get around, they can be risky. Cruise easy with RAC, because motorbikes, quad bikes, scooters and mopeds are covered with all of RAC’s travel insurance policies.^
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 protected knowing there’s always someone to call. RAC’s 24/7 emergency medical assistance is available 24 hours a day, 365 days a year.
Trip delays, interruptions, & cancellations
RAC can help with some of the costs incurred as an effect of delays, interruptions, and cancellations depending on 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. If you’re going scuba diving, just make sure a certified and licensed diving instructor is present.#Covid-19 cover
If you’re covered with RAC’s comprehensive policy, you’ll automatically receive limited Covid-19 benefits.*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 peace of mind knowing you have some protection. RAC offers coverage in the event of most unforeseen severe weather events and disasters, including a volcanic eruption.*Theft
Protect your personal items with RAC, 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, RAC will likely cover it.*Compare our policies
Whether you plan to lay by the pool, explore the island, or tick every adventure activity off the list, RAC may have a plan for you. Compare our policies below.
| International Comprehensive .this is the Now with COVID-19 Benefits choice. | International Essentials | Medical Only | |||
|---|---|---|---|---|---|
| Cancellation Fees# per Adult | |||||
| Cancellation Fees# per Adult | $unlimited^^ | $25,000 | |||
| Travel Agent Fees per Adult | |||||
| Travel Agent Fees per Adult | $4,000 | $2,000 | |||
| Overseas Medical and Hospital per Adult | |||||
| Overseas Medical and Hospital per Adult | $unlimited** | $unlimited** | $unlimited** | ||
| Cash in hospital# per Adult | |||||
| Cash in hospital# per Adult | $6,000 | $3,500 | $1,500 | ||
| Overseas Dental#+ per Adult | |||||
| Overseas Dental#+ per Adult | $unlimited** | $2,000 | $500 | ||
| Funeral Expenses Overseas per person | |||||
| Funeral Expenses Overseas per person | $20,000 | $15,000 | $10,000 | ||
| Luggage# per Adult | |||||
| Luggage# per Adult | $15,000 | $7,500 | $2,000 | ||
| Travel Documents per Adult | |||||
| Travel Documents per Adult | $5,000 | $1,500 | |||
| Luggage Delay per Adult | |||||
| Luggage Delay per Adult | $750 | $500 | |||
| Personal Money per Adult | |||||
| Personal Money per Adult | $500 | $250 | |||
| Emergency Expenses# per Adult | |||||
| Emergency Expenses# per Adult | $unlimited^^ | $25,000 | $5,000 | ||
| Resumption of Travel per Adult | |||||
| Resumption of Travel per Adult | $5,000 | $1,500 | |||
| Special Events per Adult | |||||
| Special Events per Adult | $5,000 | $2,000 | |||
| Accidental Death* per person | |||||
| Accidental Death* per person | $25,000 | $15,000 | |||
| Accidental Disability* per person | |||||
| Accidental Disability* per person | $25,000 | $15,000 | |||
| Your Legal Liability per Adult | |||||
| Your Legal Liability per Adult | $10,000,000 | $10,000,000 | $10,000,000 | ||
| Rental Vehicle Excess# per Adult | |||||
| Rental Vehicle Excess# per Adult | $8,000 | $4,000 | |||
| Loss of Income# per Adult | |||||
| Loss of Income# per Adult | $10,400 | $5,200 | |||
| Financial Default# per Adult | |||||
| Financial Default# per Adult | $10,000 | $5,000 | |||
| Domestic Pets^# per policy | |||||
| Domestic Pets^# per policy | $650 | ||||
| Domestic Services^# per person | |||||
| Domestic Services^# per person | $1,500 | ||||
| Travel Delay# per Adult | |||||
| Travel Delay# per Adult | $3,000 | $1,500 | |||
| Hijack and Kidnap*# per person | |||||
| Hijack and Kidnap*# per person | $10,000 | $5,000 | |||
| Covid-19 Benefits | |||||
| COVID-19 Overseas Medical and Hospital Emergency Expenses# | |||||
| COVID-19 Overseas Medical and Hospital Emergency Expenses# | $Unlimited^^ | ||||
| COVID-19 Cancellation Fees and Lost Deposits per Adult | |||||
| COVID-19 Cancellation Fees and Lost Deposits per Adult | $3,500 combined limit | ||||
| COVID-19 Additional Expenses# and Special Events per Adult | |||||
| COVID-19 Additional Expenses# and Special Events per Adult | $3,500 combined limit | ||||
| COVID-19 Travel Delay# per Adult | |||||
| COVID-19 Travel Delay# per Adult | $3,500 combined limit | ||||
| Ski and Winter Sports Optional cover | |||||
| Overseas Medical and Hospital per Adult | |||||
| Overseas Medical and Hospital per Adult | $Unlimited** | $Unlimited** | |||
| Equipment hire^ per policy | |||||
| Equipment hire^ per policy | $2,000 | $1,000 | |||
| Ski pack^ per policy | |||||
| Ski pack^ per policy | $1,000 | $500 | |||
| Piste Closure^# per policy | |||||
| Piste Closure^# per policy | $1,000 | $500 | |||
| Bad Weather and Avalanche^ per policy | |||||
| Bad Weather and Avalanche^ per policy | $1,000 | $500 | |||
| Lift Pass per Adult | |||||
| Lift Pass per Adult | $500 | $250 | |||
| Get a quote Quote | Get a quote Quote | Get a quote Quote | |||
Terms and conditions apply. This advice is general advice only. Please refer to the Product Disclosure Statement before making a decision about this product and read the Target Market Determinations (TMDs) before determining whether this product is suitable for your circumstances. This product is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (ABN 80 000 438 291 AFSL 246548).
Why consider RAC for your Bali travel insurance?
Travel insurance with RAC gives you the ultimate 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%
Enjoy the benefit of savings on your holiday. RAC members automatically save 15%.24/7 medical emergency assistance
Our Australian team of medical emergency assistance experts with a global network of doctors, nurses and logistical staff are available 24 hours per day.Automatic scooter cover
Scooter cover means you can experience life like a local, and it’s included with all of RAC’s travel insurance policies.^Dependents under the age of 25 covered for free**
Dependents under the age of 25 are covered for free, (as long as they’re financially dependent and have no medical conditions).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
If you’re still not sure, check out our FAQs below
What do I need to enter Bali?
If you're travelling to Indonesia for tourism, official government duties or business meetings, you can apply for an e-Visa on Arrival (e-VOA). Apply at least 48 hours before your travel to Indonesia.
You can also get a Visa on Arrival (VOA) at some international airports, seaports or land crossings. Visit Smart Traveller for more information.
Do you need to be vaccinated to go to Bali?
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.
Is Bali safe to travel/visit?
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.
Can you buy travel insurance after booking a flight?
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.
Can I buy travel insurance after departure?
No, you can purchase travel insurance after booking your flight — but not after you depart.
Does RAC travel insurance have age limits?
RAC’s travel insurance does not have a restrictive age limit - Cover is available to Australian residents over the age of 18. All dependents are automatically covered with RAC’s guardians policy, so, your children and grandchildren are automatically covered as long as they are under 25, financially dependent on you and travelling with you for the duration of your trip. They also need to be listed on your certificate of insurance.
Do RAC members receive a discount on Bali travel insurance?
RAC members get a 15% discount on all our travel insurance options. Learn more about the benefits of becoming an RAC member.
How do I get cover for a medical condition?
If you have a medical condition, let us know online or over the phone. After a few follow up questions, we can provide an assessment to see if you’re covered, and a tailored quote to have the medical condition included within your cover.
It is also important to remember that many prescription medications in Australia are illegal in Indonesia. Consult your doctor and check Smart Traveller to make sure your medications are ok to bring.
Are my dependents covered within my cover?
Travel insurance with RAC covers your children and grandchildren free of charge, provided they are travelling with you, are up to the age of 25, are financially dependent on their parents, are not working full time, and do not require medical assessment.
Am I still covered if I was under the influence?
Any claims involving a person who has been consuming alcohol will be assessed by RAC on a case-by-case basis. However, if you have been hospitalised as the direct result of alcohol consumption (i.e. your illness or injury is assessed to have been the result of alcohol consumption) you may not be covered.
See our Product Disclosure Statement for more details
