Travel Insurance Bali

LUMA’s headquarters is in Bangkok, Thailand. We also have offices worldwide, including in:

• Ho Chi Minh City, Vietnam
• Phnom Penh, Cambodia
• Yangon, Myanmar
• Bordeaux, France

This means we can support you with medical advice and travel support no matter where you are. 

Yes. The policy covers medical expenses for sudden and unforeseeable injuries and sickness. This includes costs relating to COVID-19 experienced while traveling to the country and within the coverage zone.

No, you will have to reclaim medical and hospital expenses afterward. This is unless the hospital expenses are expected to exceed 1,539 AUD and the arrangement is coordinated by LUMA or our designated assistance company.

If you would like to change the start and end dates of your LUMA policy, please contact us on +66 2 494 3600. 

Your revised trip should be the same length as that of your previous plan. If it isn’t, you must cancel the existing policy and purchase a new one with the correct dates.

Yes, but only if you have not traveled yet. Please contact our teams at +66 2 494 3600 to do so.

Yes, but only if you have not traveled yet and if you have a suitable reason. To find out more, please call LUMA at +6624943600.

Please go directly to the nearest hospital or call an ambulance for medical emergencies. If you are a victim of crime, then contact the local police. 

Emergency numbers for your Bali holidays are:

• General emergencies: 112
• Police: 110
• Fire department: 113
• Ambulance or medical emergencies: 118/119
• Search and rescue: 115

If you are calling from an international phone, then you may need to add +62 before ringing the numbers above. 

Once you are safe or receiving treatment, please call LUMA at +6624943600. 

You have up to 30 days after the expiry of your policy to submit a claim. You must make a personal liability claim within 15 days of the incident.

The LUMA travel insurance policy comes with zero excess.

Unlike many other travel insurance plans, LUMA ensures that the full claim amount is paid without any deductions. This is subject to your policy’s terms, conditions, and cover limits.

Motorbikes are a popular way to travel around Bali. However, accidents are common and sometimes lead to injury or death. A number of accidents involve tourists. 

Your Bali travel insurance policy covers you when riding a scooter in Bali. It also includes rental car excess. Please read the policy before making a purchase to understand the limitations of the cover. 

Yes, LUMA travel insurance covers medical expenses for dengue fever during your Bali trip. This means if you contract dengue fever while your policy is active, you’ll likely be covered for costs associated with diagnosis and treatment.

Dengue fever is a viral illness spread by insect bites that is relatively common in Bali. The signs of dengue fever include flu-like symptoms and rashes. 

You can avoid dengue fever by:

• Using insect repellent and mosquito nets
• Wearing long pants and sleeves
• Avoiding or cleaning stagnant water

If you think you or one of your party has dengue fever, then seek immediate medical advice.

You must buy your LUMA travel insurance for Bali policy before starting your trip. If you are already anywhere in Indonesia, you are not eligible for cover in the country, including Bali.

Monkey bites are surprisingly common in Bali, with around 30% of people having been victims. This is especially true in the Ubud Sacred Monkey Forest, where tourists are in close proximity to wild monkeys. 

LUMA travel insurance covers medical treatments related to monkey bites. If bitten, seek immediate medical attention. Bali has facilities equipped to handle such incidents. Standard treatment typically includes rabies vaccination and antibiotics. To prevent bites, avoid provoking wildlife and maintain a safe distance. Additionally, ensure your tetanus vaccination is up-to-date.

While purchasing travel insurance is not obligatory for a trip to Bali, it is highly advisable. Medical expenses in Bali can be substantial, and as a foreign visitor, you may not be covered by the country’s public healthcare system. 

Bali also presents unique health and safety risks, including:

• Food poisoning
• Waterborne diseases
• Respiratory infections
• Motorbike accidents

Travel insurance provides coverage for medical expenses. It also covers other unforeseen costs, such as: 

• Trip cancellation cover
• Trip interruption cover
• Lost luggage cover
• Natural disasters cover (while in Bali)

The cost of travel insurance for Bali can vary depending on factors like the duration of your trip and the level of cover. Travel insurance plans for Bali can start from just a few AUD per day.

For example, a 14-day trip for two from Australia to Bali on our Essential plan costs as little as 144 AUD. The same trip but with a fully comprehensive cover is 587 AUD.

Yes, most travelers to Bali need a visa. The two main types of tourist visas allow you to stay for 30 days and 60 days.

Visa requirements for Bali holidays depend on your nationality and length of stay. Some travelers may need a visa to enter the country, while others can obtain one when they arrive at the airport. However, it may be cheaper to acquire one before you travel.

Given the evolving nature of visa regulations, it is crucial to verify the current requirements with the embassy in your respective country before traveling to Bali.

Our travel insurance policies do not typically cover the following:

• Pre-existing medical conditions, including illnesses contracted before the start of the policy
• Planned and elective treatments
• Illnesses contracted before the start of the policy
• War, terrorism, intentional self-inflicted injuries, psychiatric disorders
• Participation in extreme sports, rock climbing, hazardous work
• Trekking above 5,000 meters altitude
• Scuba diving