Travel insurance for Bali

Why you should consider travel insurance when going to Bali

Bali might be a holiday favourite for Aussies, but things don’t always go to plan—think Bali belly, scooter mishaps, stolen gear, or trips cut short by wild weather. Travel insurance may help cover you when paradise throws a curveball.

Riding scooters or motorbikes in Bali

If you plan to ride a scooter or motorbike in Bali, you will not be covered unless you comply with all of the following:

• The scooter or motorbike must not have an engine capacity of more than 250cc;

• Always wear a helmet;

• You must have a full motorcycle licence that is valid in both the country of travel and an Australian driver’s licence with permission to ride a scooter or motorbike in Australia.

Enjoy the great outdoors in Bali

If you plan to surf, scuba dive, hike or bungee jump, you should consider travel insurance cover when participating in sports and activities. Our travel insurance may also come in handy with baggage cover if you are taking expensive sports equipment such as your surfboard, kayak, or hiking gear.

Access 24/7 Emergency Assistance

If you find yourself in an emergency medical situation and need assistance, the Emergency Assistance team is available 24/7 to help you navigate issues, and to liaise on your behalf with our medical team.

The team is connected to a global network that provides:

• Medical care

• Medical transfer to a hospital or repatriation to Australia where necessary

• Medical-related guidance and support

• Access to translation services.

What's covered by travel insurance

With nib, you have access to International, and Annual Multi Trip insurance plans offering varying levels of cover. Some of the key benefits include:

• Cancellation costs

• Natural disasters

• Medical evacuation and repatriation

• Overseas medical expenses

• Travel delay

• Rental vehicle insurance excess

• Cruise cover

• Luggage and personal effects

• Coronavirus-related travel costs

And much more.

What's not covered by travel insurance

Travel insurance is designed to help when unexpected events happen while travelling. Some things we don’t cover include:

• Any medical, hospital, dental or ambulance expenses you incur in Australia

• If you decide to not continue with your trip

• Government warnings: travelling to, remaining in, or planning a journey to a region that the Australian Government has issued a 'Do Not Travel' warning (see Smartraveller)

• Refusal of alternative arrangements: if your airline or travel provider offers a reasonable alternative option and you refuse, your coverage may be limited

• Refusal to follow the law: if you fail to follow official laws or warnings from a government authority or organisation, or fail to take reasonable precautions to avoid a financial loss after a public warning of a natural disaster

• Reckless behaviour: if you intentionally and recklessly place yourself in circumstances or undertake activities which pose a risk to your personal safety (except to save a human life)

• A loss arising from your evacuation: or repatriation that is not medically necessary or that is undertaken without our consent

• A loss arising from any existing medical condition: that you or a member of your travelling party suffer from, which is NOT automatically covered, which you did not disclose, and which is not an accepted Specified Medical Condition.

As always, our priority at nib is to help you travel confidently, and to know exactly where you stand with your coverage. It’s always a good idea to read the terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS) to understand your policy thoroughly.

The above features and benefits are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement.

nib Travel Insurance Distribution Pty Limited, ABN 40 129 262 175, AR 336467 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.

We are a signatory to the General Insurance Code of Practice developed by the Insurance Council of Australia and enforced by the Code Governance Committee, an independent body whose purpose is to drive better Code compliance and help the insurance industry improve its service to consumers. The Code is designed to promote good relations and insurance practice between insurers, authorised representatives and consumers. The Code sets out what we must do when dealing with you. You can obtain a copy of the Code from codeofpractice.com.au.

*The discount applies to the total nib travel insurance premium and is for customers that currently hold an Australian health insurance product, or an Overseas Student Health Cover product with nib. The discount is not available to customers who hold an Overseas Visitors Health Cover product. Discounts do not apply to the rate of GST and stamp duty or any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount.