Yes — travel insurance is essential for Bali. Australia has no reciprocal health care agreement with Indonesia, Medicare provides no cover there, and Bali’s international-standard private hospitals generally require payment up front. Travel insurance with overseas medical, evacuation and cancellation cover is the only financial safety net an Australian traveller has on a Bali trip.

No. Medicare provides no cover of any kind in Bali or anywhere else in Indonesia, because Australia has no reciprocal health care agreement with Indonesia. If you need treatment there you’ll be billed as a private patient for everything — consultations, ambulance transport, hospital care and any medical evacuation home to Australia — which is why overseas medical cover matters so much for a Bali trip.

Bali is listed as its own destination, within the South East Asia region of travel — so select Bali, not Indonesia, when you quote. If Bali is your only stop, choosing Bali gives you a lower premium than selecting the whole of Indonesia. If your trip also takes in other parts of Indonesia or other countries, add each destination and your quote will reflect the whole trip.

Only if you meet the conditions in the PDS. You must wear a helmet at all times regardless of local law, wear enclosed footwear and clothing with reasonable skin coverage, hold the right current Australian licence (motorcycle licence for motorcycles up to 250cc, or driver’s licence for scooters and mopeds up to 200cc) and hold a valid licence for Indonesia. Passengers must wear a helmet too, with a driver who meets all of these requirements. Ride outside these conditions and you won’t be covered.

Yes — scuba diving is automatically covered on an amateur, recreational basis, subject to General Exclusion 32 in the PDS. There’s no cover if you dive when unqualified and not under licensed instruction, dive alone, dive in caves, or dive deeper than 30 metres. Snorkelling, surfing and stand up paddle boarding are automatically covered too, and Bali’s Coral Triangle reefs are exactly what that cover is made for. See our sports and leisure cover page for the full activity list.

Cover can apply when a natural disaster — including a volcanic eruption — unexpectedly disrupts your trip, subject to the limits and conditions in the PDS. The key word is unexpectedly: circumstances that existed or were reasonably foreseeable before you bought your policy aren’t covered, so once an eruption or ash cloud is in the news, it’s generally too late to buy cover for it. Buying your policy as soon as you book, and checking our latest travel alerts, is the best protection.

Contact our 24/7 emergency assistance team as soon as possible on +61 7 3481 9880 or sos@goinsurance.com.au. Unexpected illness — including gastro, the infamous “Bali belly” — can be covered under overseas medical expenses when it requires treatment by a medical practitioner. If you’re admitted to hospital, or your medical costs are likely to exceed $2,000, contacting us is a condition of your policy — our team can then deal directly with the hospital, manage costs and arrange evacuation home if it’s needed. Our 1300 number generally won’t dial from overseas, so save the +61 number before you fly.

You can start a claim any time through our claims support page or by emailing claims@goinsurance.com.au. Keep every receipt, medical report, police report and booking confirmation from your trip — complete paperwork makes your claim faster and smoother.