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      Home / Bali flooding September 2025

      Important Information Regarding: Bali Flooding September 2025

      Issued: 12th September 2025

      Background

      Heavy rainfall in Bali, Indonesia that began on Tuesday, September 9, 2025, has resulted in flooding in several areas across the country, including Kuta, Klungkung and Denpasar. Media have reported casualties and major roads being inundated, including access to Denpasar’s airport being limited due to the flooding and landslides.

      Denpasar’s Ngurah Rai International Airport has stated that they are operating normally and is taking mitigation measures to maintain service standards. Airlines are advising passengers to arrive early and calculate additional time needed to arrive at the airport due to the flooding. Denpasar airport has also reported that they are coordinating with ground transportation operators to prepare for the influx of passengers.

      If you have been direct affected by this event and need medical assistance, please call our 24 hour emergency assistance team immediately on +61 2 8907 5240. We further urge you to pay close attention to the local media and emergency services.

      Policy coverage:     

      For policies/trips with a Relevant Time before 11 September 2025  

      Subject to the benefits, terms, conditions, limits, sub-limits and exclusions contained in your Policy Wording and our assessment of your claim, there may be provision to claim for the following expenses if you or your travel plans are directly affected:

      • Medical Expenses If you have been injured during this event where you require immediate medical attention

      • Additional Expenses If you are already on your trip: 
      o Additional accommodation (room rate only) and transportation expenses; if your travel is delayed for the required time frames; up to the nominated limits as outlined in the Policy Wording 
      o There is no cover if your existing travel plans are not directly affected

      • Amendment or Cancellation Costs If you have this cover on your policy: 
      o The non-refundable portion of pre-paid, unused travel arrangements 
      o Amendments made prior to departing on the Journey if the cost to rearrange does not exceed the amount it would have cost to cancel the trip outright 
      o There is no cover available for any portions of your Journey that have been utilised 
      o There is no cover if your existing travel plans are not directly affected

      To submit your claim, please remember:

      • To keep all itemised receipts for additional purchases or costs incurred 
      • Obtain a letter from the travel provider confirming the length and reason for delay 
      • The easiest way to lodge a claim is online via: https://claims.covermore.co.nz/

      Costs that are not covered by your policy

      • Where alternate travel is at a higher fare class than originally booked 
      • Costs that are incurred where your travel is not directly affected 
      • Travel arrangements that have already been used 
      • Costs excluded or above the limits outlined in your Policy Wording


      For policies/trips with a Relevant Time on or after 11 September 2025

      There is no cover for claims arising from this event under your policy as this is no longer deemed an unforeseeable event.

      If you decide to change your travel plans, we encourage you to speak with your travel agent or transport provider as soon as possible to minimise your out of pocket expenses.

      Important points regarding cover

      • Your insurance policy does not cover you for events that had already occurred at the relevant time of your policy/trip 
      • Your insurance policy does not cover you for events that you knew were going to impact your travel at the relevant time of your policy/trip

      Free Extension of Insurance

      If the relevant time of your current trip pre-dates this travel advice and your travel is disrupted due to this event, impacting your ability to return home on your policy end date, your policy will freely extend until you are physically able to return home as soon as it becomes possible.

      Important general advice

      This information must be read in conjunction with the Policy Wording as certain terms, conditions, limits, sub-limits and exclusions apply. These are detailed in the Policy Wording and in particular we draw your attention to ‘The Benefits’, ‘Policy Conditions’ and ‘General Exclusions’ sections of the Policy Wording.

      Contact us

      If you are travelling and require travel or medical assistance, please contact our 24 hour emergency assistance team on +61 2 8907 5240.

      For any general enquiries regarding the event please contact our Customer Service team on 0800 500 225 between 8.30 am and 5.15 pm Monday to Friday, 10 am to 1.45 pm Saturday.