Travel Insurance 101
How Travel Insurance Works for Your Bali or Lembongan Trip
Travel insurance isn’t just a box to tick—it’s a clear process that protects you before and during your trip. Here’s how it really works, with examples from Bali and Nusa Lembongan.
Choosing Your Policy
Start by deciding what kind of cover you need. Are you only looking for basic medical coverage, or do you want cancellation, luggage, and activity protection? For Australian travellers heading to Bali, Cover-More offers Basic, Comprehensive, or Comprehensive+ plans that include medical emergencies, evacuation, trip cancellations, theft, and adventure sports like snorkelling or diving in Nusa Lembongan.
If you’re a frequent traveller, Cover-More also offers an Annual Multi-Trip policy, which covers an unlimited number of trips within a 12-month period, up to the maximum trip duration you choose.
Buying Your Policy
Purchase insurance as soon as you book flights or accommodation. This ensures you’re covered if you need to cancel due to unexpected illness or accidents before departure. Policies can be purchased online through Cover-More, where you’ll get an instant confirmation and policy number.
What’s Covered (and What’s Not)
Typical claims include medical treatment (e.g., a scooter accident in Lembongan), stolen items, or trip delays (like ferry cancellations between Sanur and Jungutbatu). However, you won’t be covered if you ride a motorbike without a valid licence or ignore local safety rules. Pre-existing conditions might also require additional cover.
How to Claim
If something happens, notify Cover-More as soon as possible. Keep receipts, medical reports, or police statements for proof. Claims can be submitted online, and many are processed within 5–10 working days. Urgent medical claims are prioritised and often settled faster.
Why It Matters
Medical evacuation from Bali to Australia can cost over $50,000. Travel insurance is a small price for peace of mind, letting you enjoy paradise without worry.
Before you finalise your holiday plans, make sure you have reliable travel insurance like Cover-More to protect your trip, health, and belongings—so you can fully enjoy Nusa Lembongan activities and adventures without worry.
Our team is always here to help you have the perfect Lembongan stay and arrange the boat transfers for your next island getaway.
Email: info@visitlembongan.com
Phone/WhatsApp: +61 478 928 925