Bali is the second most popular destination for Australians on holiday, with more than 12,000 Australians arriving in Bali each week. Since it Bali feels so familiar to many Australians, it can be tempting to skip travel insurance for a quick trip.

Accidents can happen anywhere, and medical bills mount up quickly overseas. A medical evacuation flight home from Bali typically costs around A$40,000. The most common

Smartraveller says: If you're going overseas, it's just as important to get travel insurance as it is to bring your passport.

When choosing travel insurance for your Bali trip, there are a few key considerations:

Travel frequency

If you travel more than twice a year, you may save time and money by purchasing an annual multi trip travel insurance policy. These buy-once-travel-all-year policies cover your travels any time you are more than 250 km from home.

Planned activities

Check to see what activities are automatically covered by your policy and what will require additional cover. For example, snorkeling and surfing are automatically included while riding a moped or motorcycle require an extra premium.

Benefits offered

Understand what is covered and what is not. For example, if alcohol or drugs are a contributing factor that’s not covered. Look for plans that offer 24-hour emergency assistance so you can get help any time, no matter where you are.

Since Bali is such a popular destination, Cover-More offers an on-site medical team, providing policy holders with immediate care. Even Cover-More travel blogger Dan fell victim to Bali Belly on his trip and visited the Cover-More medical team.

Once you understand your options, get a quote for Cover-More travel insurance to cover your trip to Bali.

Image courtesy of Flickr user java tourism; cropped from original