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From the rice terraces of Ubud to the beachfront promenade in Sanur and the temples of Uluwatu, Bali remains one of the most popular overseas destinations for Australian seniors. Its relaxed pace, warm climate and mix of culture, food and scenery make it ideal for travellers who prefer to take things slow.

Before you travel, a little preparation can help make your trip more enjoyable and reduce the risk of unexpected setbacks.

One important consideration is travel insurance. Multi-award-winning^* InsureandGo Australia covers thousands of senior Australian travellers each year, and understanding your policy before departure can help you avoid unexpected costs.

A few things worth knowing^**:

• Medicare and most Australian private health insurance policies generally don't provide cover for overseas medical expenses.
• Cover, limits and exclusions vary depending on the insurer, policy plan and any optional upgrades purchased.
• You may be able to reduce your premium by increasing your excess but make sure you're comfortable paying that amount if you need to claim.
• InsureandGo Australia’s Bare Essentials cover is available to travellers aged up to 79, while Silver and Gold policies are available to travellers aged up to 100.^

^{** Any advice provided is general advice only and has been prepared without taking into account your objectives, financial situation or needs. Please refer to the relevant Product Disclosure Statement (PDS) and consider the PDS and Target Market Determination (TMD) in light of your personal circumstances, prior to making any decision to acquire the product.}

Some reasons to consider travel insurance for Bali

Medical emergencies can be costly. Medical facilities and standards may differ from those in Australia, particularly outside major tourist areas. If you suffer a serious illness or injury, you may require medical evacuation or repatriation, which can be very costly without appropriate travel insurance.

Moped and motorbike accidents are common. Bali's roads can be chaotic, and accidents are one of the most common causes of injury among tourists.

Travel disruptions happen. Whether it's an unexpected illness, a family emergency or a volcanic eruption disrupting flights, cancellations and delays can leave you out of pocket.

Belongings can be lost or stolen. Busy tourist hotspots can attract opportunistic theft. Travel insurance may help with the cost of replacing covered belongings if something goes wrong.

What you may want to consider when choosing Bali travel insurance    

Overseas medical cover. International travel insurance policies, such as InsureandGo Australia's, can offer cover for overseas medical expenses up to an unlimited amount (excluding dental).^{^}

Pre-existing conditions. InsureandGo Australia considers all pre-existing medical conditions for possible cover, subject to a quick online medical assessment. Many conditions may be approved at no extra cost - the condition simply needs to be declared during screening, with any additional premium paid.

Bali-specific risks. Check whether the policy covers activities you're planning, such as motorbike riding and water sports, and whether natural disaster cover is available and can be added on.

Bali safety tips for Seniors

1. Ride responsibly. If riding a moped or motorbike, wear a helmet, carry the appropriate licence for the country you are in and the equivalent licence in Australia, and stick to roads you're comfortable on. Motorcycles with an engine capacity of 500cc or above require the InsureandGo Australia's Activities Plus upgrade.^{^}
2. Look after your health. Keep vaccinations current, take precautions against mosquito-borne illness, drink bottled water, and see a doctor promptly if unwell.
3. Secure valuables. Keep your passport, cash and electronics secure - unattended items aren't commonly covered.
4. Check policy conditions. Some activities require upgrades, such as InsureandGo Australia's Activities Plus.

5. Save emergency contacts. Store local emergency numbers and your insurer's emergency assistance details on your phone.
6. Before you go, it's worth reading the latest Smartraveller advice for Indonesia and sharing your itinerary with family.

With its beaches, temples, rice terraces and vibrant food scene, it's easy to see why Bali remains a favourite holiday destination.

Seniors Card SA members can save 15% on InsureandGo Travel Insurance with code SENSA15. Call 1300 401 177 or visit InsureandGo Australia.

^Disclaimers

^{This travel Insurance is underwritten by Europ Assistance Australia Pty Ltd (EAA) ABN 71140219594, AFSL 552106, trading as Insure&Go and other brands. Sub-limits, terms, conditions, and exclusions may apply.}

^{** Any advice provided is general advice only and has been prepared without taking into account your objectives, financial situation or needs. Please refer to the relevant Product Disclosure Statement (PDS) and consider the PDS and Target Market Determination (TMD) in light of your personal circumstances, prior to making any decision to acquire the product. Refer to the PDS/TMD available here for more details.}

^{* More information about our awards can be found here.}

^{^ Subject to limits, sub-limits and exclusions that may apply. For full details and before making a decision, consider the relevant Combined Product Disclosure Statement and Policy Wording and Financial Services Guide (PDS) available here.}