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Single Trip Annual Multi Trip
    Traveller 1
    Traveller 2
    Child 1

    Medical Condition

    An existing medical condition is any medical condition which:

    At the time you buy your policy is:
    • chronic; or, 
    • displaying symptoms; or, 
    • under investigation; or, 
    • pending follow-up, consultation, treatment or surgery; or where these are recommended or planned; 
    • or metastatic; 
    • or terminal; or
    in the six months prior to the time you buy your policy there has been:
    • treatment by a medical practitioner; or 
    • medication prescribed; or 
    • surgery.

    Please refer to existing medical conditions that meet the criteria for automatic cover. 

    Do you want to complete a medical screening? 

    After entering your trip details (Age, Destination, Dates) to get a quote first. Please click on the "Continue" button to be redirected to nib to complete a medical screening. You will need to enter in details such as name & email, the medical screening will be on the following page. 

    Snow Sports

    If you are participating in Snow sports on your trip you need to add this option to be provided cover for snow sports related events. Snow Sports cover is only available on the International Comprehensive, Annual Multi trip and Australian Travel plans.

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you do not wish to purchase this additional cover.

    Snow sports are defined as Snow skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing.

    $0 Excess

    By selecting this option, you’ll be charged an additional premium. You can uncheck this box if you don't want to reduce your excess. Different excess options are available when you "Get a Quote".

    Variable excess option. An excess is the amount that is deducted from your claim payout. A standard excess of $250 applies to most claims. By selecting this option, you can reduce your policy excess amount to $0 on some plans. An additional excess may apply to specific medical conditions. This excess cannot be removed.


    Cruising is covered as standard. If the cruise only stops in one country, just select that country. If the cruise stops at multiple destinations, add each destination. 

    • If you are travelling to 'New Caledonia', please also add in 'South Pacific Cruise' so cruise is displayed on your Certificate of Insurance. 
    • If the cruise only visits stops within Australia, make sure you select ‘Australian Waters’ option and NOT just Australia.

    If you get sick aboard a cruise while traveling under one of our international policies, we can offer overseas medical cover on board, including if you contract Coronavirus during the trip. Make sure you’re following all relevant government and official advice. All policy terms, conditions, limits and exclusions apply, and you should be aware there are things we don’t cover, such as your cruise being cancelled by the provider due to an epidemic or pandemic.

    Already Overseas

    If you are already overseas and need travel insurance due to your previous policy expiring, or need to be covered while overseas and for your return trip back to Australia you can purchase while overseas. The trip must end at your home in Australia. A 72 hour waiting period may apply for policies purchased when you are already travelling. See waiting periods in the PDS for more information. 

    Annual Multi Trip

    Annual Multi Trip Plan, trip(s) means any travel up to 45 days in duration between the departure date and return date shown on your Certificate of Insurance. Each trip must:
    • Start and end at your home in Australia, and 
    • Be to a destination of at least 200km from your home in Australia, and 
    • Include travel by either pre-paid scheduled public transport or hire car, or include at least one night of pre-booked publicly available accommodation
    Designed for people who are travelling internationally and may also be travelling domestically.


    Your children, stepchildren, grandchildren, foster children, and children for whom you are the legal guardian, who are travelling with you on the same itinerary for the entire duration of your trip and at the time the Certificate of Insurance is issued are:
    • under 25 years of age, and
    • working less than 30 hours per week.

    Coronavirus Travel Costs

    This benefit covers you for specific events related to coronavirus, such as contracting the virus causing you to cancel the trip or causing your quarantine; a healthcare worker's leave being cancelled; or you being denied boarding due to your suspected infection with coronavirus

    COVID-19 Medical

    Overseas Medical limit - $Unlimited^ (including COVID-19. Subject to policy terms, conditions, limitations and exclusions).
    ^Expenses for up to 12 months from the date an illness first appears or injury first occurs. Includes reasonable and necessary overseas medical expenses arising from sudden illness or serious injury (including COVID-19).

    One Way

    Policies are available for one-way travel overseas or to return back to Australia! Enter your departure and return dates which would be your active dates of insurance. Trip must start or end at your home in Australia.

    Travel insurance to Bali


    Travel Insurance to Bali

    Looking for Bali travel Insurance?
    Enter your travel details in the quote panel to view travel insurance to Bali.  


    Travel Insurance for Bali

    The picturesque Indonesian island of Bali magnetises a host of visitors to its shores throughout the year. In fact, it is an island nation of diverse landscape, outstanding beaches, dynamic culture and warmth as well as generous people.  


    An Indonesian island in the westernmost of the lesser Sunda Islands, lying between Java to the west and Lombok to the east It is one of the country's 33 provinces with the provincial capital at Denpasar towards the south of the island. 

    The island is home to the vast majority of Indonesia's small Hindu minority. 93.18% of Bali's population adheres to Balinese Hinduism, while most of the remainder follow Islam.  

    It is also the largest tourist destination in the country and is renowned for its highly developed arts, including dance, sculpture, painting, leather, metalworking, and music. 

    Visiting Bali is not just about leisure and renewal, it is an informing experience that tends to have a deep impact on your life. Certain practical information about Bali can help you plan your trip better. Mentioned below are certain tips that may turn out to be of help if you’re planning a trip to Bali.

    Travel Insurance for your trip to Bali

    Are you looking for the holiday of a lifetime? Then why not experience the magical beauty of Bali, an Indonesian island paradise teeming with unique culture and lush landscapes? Whether you are looking for an idyllic beach escape or an adventure showcasing Balinese customs, Bali has just the holiday for you. 

    This vibrant destination is the perfect place to travel to Indonesia and discover the delights of tropical Indonesia. Get up close and personal with nature in Ubud, with its lush rainforest and terraced rice fields it is no surprise it’s often referred to as “The Spiritual Centre of Bali”. 

    Don’t miss the vibrant Ubud monkey forest, filled with wild grey long-tailed macaques - it’s guaranteed to be a memorable experience. Let the heavenly coasts of Bali invigorate your senses and soothe your soul. Immerse yourself in the world-famous Kuta Beach, with its golden sand and inviting waves. 

    For a more laid-back experience, the tranquil islands of Gili Trawangan, Nusa Lembongan and Nusa Ceningan are the perfect place to holiday in Bali. Bali offers more than a sun, sea and sand holiday. 
    Spend your days surfing or scuba-diving through dazzling coral at Padangbai and Tulamben. Discover the magical temples, such as Besakih Temple, the spiritual axis of Bali, or the sparkling Uluwatu Temple where you can watch the magical sunset, followed by an atmospheric traditional Kecak fire dance performance. Whatever kind of holiday in Bali you are looking for, this stunning island has something for everyone. 

    Bali Information


    Entering Bali

    In order to enter Bali, ensure that your visa is valid for the coming six months. You’re also supposed to show a return ticket. Visas, both tourist and business are obtainable from the Indonesian embassy in Australia. 


    The local currency is rupiah. Amenities for money exchange are available all throughout Bali and more particularly in tourist areas. Significant hotels, resorts and private Bali villas and shops do accept Traveller’s cheques. While your passport number would be needed, so don’t overlook to carry a photocopy of your passport. Remember, while changing money it may be important to go-through notes carefully as false bills are in circulation.  
    Travel Insurance to Bali

    Australian Consulate - Bali

    Jalan Tantular, No. 32,
    Bali 80234

    Telephone   +62 361 241 118
    Fax              +62 361 221 195

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    Travel Insurance to Bali

    Flag - Bali Travel Insurance

    Please refer to the Australian Government website Smartraveller for general information about Bali from the Smartraveller website. Please read the PDS before considering travel insurance to Bali.

    Useful Links

    Travel Insurance
    Travel Insurance Australia
    International Travel Insurance
    Worldwide Travel Insurance
    Overseas Travel Insurance
    Seniors Travel Insurance
    Cruise Travel Insurance

    Bali Travel Insurance

    Cover is subject to the policy terms, conditions, limitations, and exclusions set out in the current Combined Financial Services Guide and Product Disclosure Statement (PDS). Read the (PDS) prior to choosing travel insurance to Bali.