a guest of mine broke her leg this week during an adventure activity, and has had to have pretty major surgery here in Bali. at this stage, i am unsure of the exact cost of the surgery, but i am assuming that it would be between USD7-10,000.
an excellent source has told me that the MAXIMUM claim for injury or death during any adventure activity in Bali is the paltry sum of USD50,000 (and this is for death). the maximum claim for an injury is USD5,000 which wont even cover the cost of a basic operation here in Bali.
there is only one company that will cover any adventure tourism company here in Bali, and the above is what their policy states. MANY companies will tell you that they have million dollar policies, but this is rubbish. NONE of them do. in fact, many companies dont even have insurance. they live in hope that nobody will be injured or killed during one of their tours.
so for those of you who are considering leaving home without travel insurance, think again. do you want to have to mortgage your house in order to get home on a Med Evac?
if you cant afford the insurance, you really cant afford to travel.