Travel insurance seems to divide the travel community in half. Many people wouldn’t go on holiday without it and many people never even consider it. If you are part of the latter group, you are obviously not alone, but you might consider at least checking prices on some of the insurance that fits your trip. It’s generally less expensive than people expect, and Bali is the kind of place where some problems do occur.
Types of travel insurance to consider
Trip Protection Insurance
This insurance usually costs a small percentage of your overall trip, and will cover most of your non-refundable travel expenses if a crisis comes up such as: death, sickness, airline strike, travel provider going bankrupt, and many other things as well. If you’ve saved up a bunch of money for your Bali trip this might be worthwhile. Most of the travel operators on the island are stable, but problems can happy anywhere along the way.
Travel Medical Insurance
This insurance will cover any medical expenses you might have while traveling or living abroad. Many Americans don’t have health insurance even at home, and even those who do may not have coverage while traveling. Check your own situation before you go. This isn’t a dangerous place, but medical care here could still wipe you out if you are unlucky.
Flight/Travel Accident Insurance
This is for when disaster strikes your flight. It’s mostly for peace of mind and probably not appealing to most people.
Annual multi-trip Insurance
This coverage is meant for people who’ll take many trips in one year or will be traveling continuously. Since Bali is big with RTW people, this one might really come in handy for some people.
Emergency Evacuation Insurance
Just as the name indicates, this one is for when you need to get elsewhere to get medical help. Most things in Bali aren’t too dangerous, but the hospitals aren’t exactly what you’ll find in Europe or the US. If you are going to be doing some adventure stuff in remote areas, this one might make a lot of sense.