Bali – Must Do’s! (2016 Version)

EDIT: I write about riding elephants in Bali. PLEASE DO NOT do this. This was 8 years ago when I was young and un-educated about animal welfare. All of the elephant venues in Bali offer elephant rides, which involve cruel training and expose the animals to stressful situations. It doesn’t matter how ‘nice and green’ the ‘Sanctuary’ they’re living in looks. Interacting with the animals is one of the country’s major tourism draws but over the years less and less tourists are doing this as they’ve come to realize it’s not all as nice as it seems. In order to make elephants submit to elephant rides and other human interactions, they are taken from their mothers when babies and forced through a horrific training process known as ‘the crush’. It involves extreme physical restraints, inflicting severe pain and withholding food and water. By the time tourists come to ride an elephant, it may look at peace, but this is because its spirit has been broken. The bullhook, used permanently, reminds the animal of human dominance.

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Bali is a beautiful place.

If you look past the beggars, the market people haggling to sell you things and the litter from us foreigners on some of the beaches, there’s actually a lot to see and do.

Basically, if you’ve been to Thailand. Bali is just a nicer, smaller version of it.
The water is warm, they have kind people and some fantastic food. Not to mention it’s cheap as chips and there always seems to be great weather for sunbathing, shopping and surfing.

With everything being so cheap, it makes for an awesome vacation . What you’d pay per night for a hotel back home in New Zealand ends up paying for 4 nights at a super nice hotel in Legian or on Gili Trawagen!
Not to mention the things you can do in Bali that are well worth your money.
Many of the activities I’ve mentioned in this coming blog post I’ve done myself when I was there so I hope I can give you some ideas if you’re planning on going!

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Private Day Trips – Ubud Tour

I beg anyone if you’re ever travelling to Bali, or anywhere else for that matter. Hire a driver and take a private tour or sign up for a guided tour!
I did a fantastic private day trip with Dewa Alit, an Ubud driver who’s been driving people around for over 21 years.
On the morning of our tour, I actually got the days mixed up and completely forgot about Dewa! Thankfully he was very patient and waited for my boyfriend and I while we rushed upstairs to pack a bag.
As soon as we were ready, we set off for the hours drive up to Ubud from Legian.
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We went to the monkey forest, went for a walk through the hills, had lunch overlooking the rice fields, went shopping in Ubud, all while Dewa waited in the car and helped us with our bags whenever we passed him. Basically whatever we wanted to do he’d be happy to take us there.

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It was quite a big day and by 7pm we were exhausted and pretty keen to go back to our hotel and rest. Dewa was planning to take us to a cultural/dance type show thing but when we said we were far too tired he completely understood and said “This is your tour, we do exactly what you want” and took us back to the hotel without any fuss.
We saw some great views on our tour and for NZD$83 (USD $54)  for a full day it was an awesome price. However, you can do half day tours for $53 through Ubud if you don’t have a full day to spare.
I really enjoyed doing a private tour because we weren’t rushed, we had our drivers undivided attention, we could personalize our tour a bit and he knew exactly where to go.
The only thing I didn’t quite like was going to places that I guess drivers get ‘paid’ to take you to.
We went to a tea tasting place where we tried too many teas – and we don’t even like tea! Then we felt like we had to buy bags of it afterwards.
Also we went to this Weaving place which was slightly boring but there were many other tour groups there and we just wandered around looking at weaved pictures to buy.
Discuss with your driver before-hand what you want to see, and what sights you’d like to spend the most time at. If you have a private driver, they should always take you where you want in reason.
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Other Top Rated Day Tours (I haven’t been on):
Bali Tradition Tours have amazing ratings on Trip Advisor.
They do Full Day Tours ranging from USD$79 – $94 (Per Private Tour, Not per person) and they also do Shopping Tours with Spa Stops, ohh la la. (That’d defiantly interest me if I was going with some girlfriends!)
You get to shop at the markets, go to Kintamani Village and see views of the volcano, have lunch, go to a family Balinese compound and see the traditional way of Balinese living then end your day with a one hour massage and reflexology.

Agus Bali Tours are also well talked about. Agus takes you on tours to the countryside to look at a traditional Balinese houses, Local Primary Schools, the Monkey Forest and even White Water Rafting at Ayung River. Otherwise you can design your own 9-12 hour tour for the day where you meet Agus before you start and look at a map of places you want to see. This costs about NZD $100 depending on what tour you do. Well worth it!

The Monkey Forest

I went to the Monkey Forest in Ubud and that was an awesome experience!
It’s a hit with tourists as there’s monkeys literally everywhere. The Sacred Monkey Forest Sanctuary isn’t just a tourist attractions though, it’s an important spot for research and conservation programs that the Balinese have. You can get there by a very long taxi ride from Kuta/Seminyak, hire your own car or include it on your day tour (Which is what we did)
When you get there, at the entrance there will be people selling Bananas to feed the monkeys. Generally the monkeys will not come to you if you do not bring bananas or any other food so it’s always a good idea to buy a bunch. However if you are giving bananas or food to the monkey and they come up to take it, don’t ever try and pull it away because they’ll seriously get angry. As harmless as they are, they’re not so innocent. Before you go in, make sure you bags are zipped up tight and put your sunglasses away because these little monkeys will try and grab everything and run off with it.
From what I’ve read online, it’s about NZD$5 for entrance fees.

  • Location: Jalan Monkey Forest – Padangtegal – Ubud – Gianyar

Surfing

If you’re a water baby and love jumping on a surfboard like my boyfriend is, you’ll love Bali!
If you’re like me, and just want to watch, the beaches have beach chairs you can hire and ice-creams to buy while you watch your significant other or read a book in the sun.fb_img_1458187078008.jpg

The best places to surf depends on the seasons.
They have a Wet and a Dry season with the Dry Season (May – September) being the best times to catch the big waves.
The easiest beach to surf on if you’re wanting to learn is Kuta Beach. It has a soft tide and many lifeguards on look out as the undertow can get quite strong. If you know your surfing skills the beach’s swell is easy to conqueror.

Keramas beach past Sanur, is a good beach for intermediate – expert surfers so head over there if you’re feeling pretty confident.

Uluwatu Temple

I didn’t go here when I was in Bali, But I wish I did!
This Sea Temple is built on the edge of a 70m high cliff projecting out into the sea. Underneath is the Uluwatu Beach which is one of Bali’s best internationally-known surfing spots.

If you don’t get a chance to head to the monkey forest, Uluwata Temple will have many monkeys for you to see but be careful as they’re notorious for snatching visitors’ belongings
I’ve had a read online, and it seems like it’s best to go in the morning just before sunset for fewer crowds, Otherwise you can head there from 6pm – 7pm to watch a Kecak dance which is performed every day at the cliff-top stage with the sun setting in the background. That’d make for some nice pictures!

  • Location: Pura Uluwatu is located in Pecatu Village, Kuta sub-district, about 25km south of Kuta and it usually takes around one hour to get to and from there.

Waterbom Park

My partner and I went to Waterbom Park and we’re in our 20’s so it’s  great for all ages. It’s apparently the #1 water park in Asia and has 13 rides, a bungy, pleasure pool, fish spa therapy, massages, reflexology and hair braiding.

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It’s a really good family park. You have The Water Blaster where you get to fill up water balloons and fire them at your opposition, the little’s can swim in the  ‘Funtastic’ pool where there’s water cannons, jets and body slides with life guards on duty the whole time.Funtastic_1
The older kids and adults can go on the ‘Pipeline‘ which is what I did and absolutely screamed my head off. It’s a long 150m tube where you basically just plunge down in 13 seconds. Otherwise they have the Constrictor which is the longest water slide in the world at 1/4km long.

Don’t worry about bringing towels as you can hire them here. The park is open from 9am and closes at 6pm, You pretty much need the whole day but if you do get bored there’s the mall right across the road to do a bit of shopping afterwards or you can return to the park afterwards for ‘same day entry’
Adults are IDR 490.00 and children from 2 years old are IDR 325.00.
If you have a big family or you’re going with another couple you can do the VIP Package for IDR 950.00 per adult which gets you Admission, Lunch, All Rides, Gazebo, a Towel and the Express Counter. For VIP packages end an inquiry to their sales team at sales@waterbom-bali.com
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Bali Bird and Reptile Park

Birds, Birds, Birds!!
And snakes.
Maybe stick to the bird park if you hate snakes and reptiles.The park is divided into seven regions that recreate the natural habitats of the birds. They also do shows like the ‘Bali Rainforest’ free flight bird show and the ‘Basic Instinct’ show I’m pretty sure this is the one where I stood up and went to the front of the crowd and had big birds flying to eat food off my head. You can get pictures with the birds at ‘Guyu Guyu Corner’ and have some beautiful birds perch on your shoulders for some photo opportunities. The park and restaurant is open from 9.00 a.m. until 5:30 p.m. daily.

  • Location: Batubulan, on the road to Ubud. They’re just 20 minutes away from Sanur or 40 mins drive from Kuta.

Afternoon White Water Rafting & Night Safari

We booked this through our travel agent and it cost around NZD$200 each (maaaaybe)
I’m not completely sure. But I know that’s how much they’re advertising it for online.
We did our day trip through Bali Adventure Tours who have been operating for over 25 years.

For the White Water Rafting, you get picked up from your hotel around 12pm along with 6-8 other people and then head to the Ayung River.
We had lunch (which was just a buffet) and then headed down to the base camp where we listened to a short training session about White Water Rafting and got buckled up with our life jackets.

The Ayung River is the longest river in Bali, and to get to the top of it you walk down I swear over 100 steps to the rafts and oars.
It’s a long walk but it’s pretty much all downhill so not too bad. I had read online there were quite a few stairs so I was pretty prepared. (And now you are too)
The guides are really good. If you want you can take your camera with you and they put it in one of those waterproof bags so you can stop and take photos half way through.
They also have a camera man who follows the groups down the river and records heaps of stuff to make into a video at the end.
(You can buy the video or DVD at the end)
If you’ve done some extreme water rafting in the past, this would be pretty mediocre to you. This was my first time Water Rafting so I loved it. It was a great intro!
The scenery is lovely and it’s nice to just go down a river with no sounds of traffic or people around. Be prepared for it to rain at some point however and the guides to float you under little waterfalls and get you all wet!

Once the rafting is finished, they have showers so you can get changed and then you’re taken off to the Elephant Sanctuary for a Night Time Safari.
Unfortunately we ran over time so we missed the start of the Elephant show.
They’re in a big pen and the Elephants do tricks like painting and throwing a basketball into a hoop. I don’t have any great pictures of this as my Phone Camera is terrible in the dark.
I was a bit concerned about the Elephants as I always think they should be in their natural habitat, but the guide who took us for a ride on one was saying they’d never survive where they rescued them from. The park is acclaimed as the Worlds Best Elephant Park and has 2 hectares of exotic eco tourism landscaped botanical gardens, surrounded by national forest so they feel right at home.
You can even stay at the park if you wish!
They have accommodation ranging from Family Rooms to Suites where you can hire a private butler and private bar! Faaaaancy.
Staying at the park would be an experience in itself, imagine waking up and being able to watch the elephants get fed, ride them and then finish the afternoon off with food at their restaurant and then a body massage at their spa.
I’d recommend this adventure for couples, family’s with older children (Who can stay up past their bed time) and friends travelling together.
You can defiantly do it solo as you’re with a group of people the whole time.

Shopping!

Now I know shopping isn’t for anyone but if you have room in your bag, shop in Bali!
It’s sooo cheap.
I ended up going a bit over-board with my shopping and had to purchase another suitcase to take back home with me.
If you’re a backpacker, someone on a budget or just looking for some cheap souvenirs, the markets are always a good place to start.
Nothing ever has a ‘set’ price so you have to do some bargaining!
If you’re not very confident at it, act like you are. When I went to Bali, the shop keepers always seemed to ask us if this was “Our first time in Bali” we laughed and acted like this was our 3rd time hoping they’d think we were experts and not rip us off.
Whatever price they say, half it and then work your way up from there.
Say they want to sell you a bag for NZD $50 – IDR 441, 550 than half that price down to around IDR 220, 700 and work your way up from there.

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Everything I bought from Bali

Usually if they don’t like your price they’ll say “No no no! Too cheap” and wave their hands at you. However, if you walk away they’ll run after you and say “ok ok two hundred rupiah it is”.
Shop keepers hate to loose a sale so if they let you walk away, then you know for next time that the price you bargained was actually far too low. Sometimes if you only have a certain amount of money, just show them all you have and they’ll be more tempted to just take it instead of wasting time trying to get a better price.
If you’re wanting to buy a few pairs of sunnies or some watches (Let’s be honest, they’ll break at some point so you may as well get a few) then see if the shop keeper can give you a deal which they’ll always want to do.
The number #1 rule I suggest you follow, is always pay the amount you agreed on. If the shop keeper has accepted your price than don’t suddenly say “oh actually, no I don’t want it anymore” and walk off. It’s very rude to them and they’ll be very pissed off they just spent ages haggling with you for a couple of t-shirts when they could have been haggling other customers.

The best places for shopping are the boutiques in Seminyak if you want items that are more ‘high end’ and designer. Also the shopping malls in Kuta (Discovery Shopping Mall & Mal Bali Galeria)
You’ll find brands you recognize and prices that are much more realistic. The malls also have the westernized food like Burger King, Starbucks and Planet Hollywood if you get over noodles and fish.
Bali also have Art Markets if you’re into that sort of thing. You’ll find skirts and scarfs and wooden items to take home at the Ubud Art Market on the Jalan Raya Ubud Main Road or head to the longest standing market in Gianyar – Sukawati Art Market.

The Rock Bar

This is one other thing I never got to do but everyone recommended it to me before I went!
It’s located at Ayana Resort over looking the Indian ocean and it’s absolutely beautiful. It gets busy at sunset and I’d defiantly try and make a booking before turning up. It’s not a place to turn up in your flip-flops. They have a smart dress code so none of your Bintang singlets will be allowed. They open at 4pm and you can make a reservation through  fb.reservation@ayanaresort.com
You can also have dinner here and if you’re feeling very very generous, book a private table for you and your significant other for NZD $210 per person and upwards. They set up candle lit dinners with flowers and a 4 course menu, an extravagant dinner with Balinese dancers or have dinner on their private jetty with soft music and three lobster dishes. I obviously didn’t do this because I’m always broke haha!banner_image4

Gili Trawagen – Sunset Bar

If you’re staying on Gili Trawagen, head over to the west side of the island and check out the beautiful sun set.
It’s best to get there a bit early so you can grab a drink at the small bar and find a table.
There’s 2 sunset bars – I went to Paradise Sunset Bar which is located on South Beach. The service is a bit meh for drinks etc… but you really only go there for the view!

Gili Trawagen – Biking

It’s really easy to hire a bike on Gili Island. You’ll find many places hiring out bikes for cheap.
To bike around the whole island it takes about an hour. The only thing to remember though is if you’re doing a complete loop, there will be a part where you have to push your
bike through the sand and sweat your face off like I did haha.
Make sure to bring some water and wear a Bikini under your shorts because you’ll want to stop for a swim I’m sure!20140625_164834 Continue reading

Bali Overview. Where to stay?

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New Zealanders and Australians love Bali.
The scenery is beautiful when you get out of the bustling cities, the food and drink is so much cheaper than what we buy back home, flights are becoming cheaper with Airlines such as Jetstar providing 1-way fares for $150 and the weather is nearly always amazing!

Bali is the Number 1 Tourist destination for Australian Tourists.
Flights from Australia can be very cheap and it’s the closest country to them that has sunshine, cheap alcohol and surf. It’s like the Spring Break of America.

Depending on why you’re going to Bali, you can usually find what you’re looking for.
I know people who go to Bali on boys trips just to party it up and drink lots of Bintang Beer, Girls go with their Bridesmaids before a wedding for a long week of cheap pedicures, $10 massages and swims in infinity pools.
They have some awesome retreats here as well where you can spend days in the middle of the forest sleeping in luxury accommodation, waking up to beautiful rice fields, gourmet breakfasts and attending yoga classes.

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I personally went to Bali back in 2014 with my Boyfriend of 1 year. It was a spur of the moment decision as we were originally wanting to take a week trip to an island nearer New Zealand like Raratonga or Fiji.
One day we went to a travel Expo in our home-town and headed straight to the area where they had brochures on the Islands. As pretty as they were, we weren’t super ‘excited’ about going. The beaches looked beautiful, the accommodation looked nice but we came to the conclusion that’d we’d just be a bit… bored in Raro.
We like a bit of adventure mixed with some relaxation and culture so when we got talking to a Travel Agent who’d been to Bali, he pretty much made up our minds for heading to Indonesia for 2 weeks. He raved on about how cheap everything was, how there was lots of stuff to do and places to party etc… The next day we’d booked through Virgin Australia 2x Return trips from Wellington, New Zealand to Bali in June as our first trip as a couple!

How Long Does It Take To Get There (Direct):
This isn’t including stop-overs
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Auckland to Bali – 8 Hours, 53 minutes
Wellington to Bali – 9 Hours
Melbourne to Bali – 6 Hours
Sydney to Bali – 6 Hours, 16 Minutes
Perth to Bali – 3 Hours, 44 Minutes
Singapore to Bali – 2 Hours, 34 Minutes
New York City to Bali – 20 Hours, 46 Minutes
Chicago to Bali – 20 Hours
London to Bali – 16 Hours

I’ve had a little Sky Scanner search and I don’t think any airline in New Zealand flies direct to Bali apart from Air New Zealand who only fly direct from May – October on Saturdays and Wednesday’s.(Someone correct me if I’m wrong)

Virgin Australia always seems to stop in Brisbane, Sydney or Melbourne (Both ways)
China Airlines stops in Taiwan and Jetstar will always stop somewhere in Australia.

Prices:

You can get some amazing deals on flights to Bali if you’re flying from New Zealand and don’t mind a shitty stop-over. I’ve seen Jetstar Flights for NZD$250 RETURN! (Obviously they have a stop over in Australia at inconvenient times) but if you’re not picky about times, can get time off work quickly and have the cash, I’d wait for an amazing deal like that to come up.

I’ve done a little research and the cheapest month to head over to Bali is in August.
The weather in August is pretty much the same as May and June. The whole month doesn’t vary much from the beginning to the end with average temperatures at 27°C (80°F) throughout the entire month, with lots of sun, virtually no chance of rain, and a constant, cool breeze. It is however quite humid but it’s very tempting as in August it’s Winter time in New Zealand and we’re dying for a bit of sun.

Obviously Australians can get cheaper flights, eg; Darwin to Bali for $161
Or Perth to Bali for $193 *sigh*
That’s another reason where you’ll feel like you’re surrounded my Auzzies when you’re in Bali. It’s just too cheap for them not to go!

Where To Stay:

Bali-to-Gili-Trawangan-and-Lombok1-1When my boyfriend and I went, we stayed in Legian for 5 nights, one of the Gili Islands for another 4 nights and Seminyak for 4
To make it simple for you I’ve written a little paragraph about the places to stay in Bali which you can find on the map above.

South Bali Area

South Bali is the main part where all the tourists go. It’s the closest to the airport and the perfect area for a first-time Bali goer. There’s shopping, beaches, water activities and many places to drink and party until the early hours.

berawabeach-01Canggu: Less tourists, quite a rural area with low-key nightlife and black/grey sandy beaches. Is becoming more developed over time…Think it has a water park for kids.
50-60 mins from airport

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Seminyak: Very chic, classy, fine dining and stylish beach bars. Great for high end spas and massages, surfing and the beach. Accommodation is more high-quality and modern. Many tourists stay here if you’re wanting somewhere a bit more fancy.
30 mins from airport

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Legian: Located South of Seminyak, Legian is a short taxi ride to Kuta with the advantage of not being right in the center of all the clubs and bars. I’d say this is the best place to stay accommodation-wise as you’re just a little bit away from the main ‘city center’ feel. You still have the choice of restaurants to eat at and market stalls to bargain at so you’re not completely away from all the fun stuff.
Legian has a better and less crowded surf break at the beach so may be good if you’re learning to surf.
If you’re searching for some good, cheap, clean accommodation, check out Bliss Surfer Hotel. It’s not the fanciest place to stay, the pool is over-shadowed by the hotel so it does get a bit chilly when you’re swimming but the staff are nice and the rooms are great.
I hear the Padma Resort  (Think, swim-up bar, Infinity Pool, Tennis Court, Cooking classes) or Pullman Resort are quite nice if you’re looking to pay a bit more.
10-20 mins from airport

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Kuta: Partying, Kuta beach, The Hard Rock Cafe and one of the main malls are all situated in Kuta. It’s great for nightlife and the beach but would stay away if you don’t like massive crowds and pumping music.
Kuta has great surfing options for beginners and experienced surfers. Have a look on TripAdvisor for some good companies.
If you’re looking to do some shopping, check out Kuta Square, Discovery mall (right across the road from Waterbom water park) or Beachwalk Shopping Center for all your shopping and dining needs.
Kuta is where the Bali Bombings took place in 2002 at Paddy’s Pub. There is now a permanant memorial at the site with all the names of the people that were killed along with the national flags of the victims to pay your respects.
10-20 mins from airport

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Jimbaran: Think Seafood, spas, calm waters and white sand. Great if you have children as the waters are shallow and you can explore the morning Jimbaran Markets for fresh seafood. Has an amazing sunset after 5pm where you can relax with a cocktail and head to bed before 12am as the clubs usually shut around 11pm. However Kuta and Seminyak are only a cab ride away if you want to stay here and party somewhere else.
This is where the famous Rock Bar is located.
10-20 mins from airport

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Nusa Dua: Has an amazing beach with water sports and coral beds for snorkeling. The surfing is amazing, I’ve read it’s recommended to hire a boat to take you out to the Nusa Dua Break. Also has one of the most popular shopping centers. Not really a place for partying and dining but the resorts will make you nice cocktails to sip in the sun.
30 mins from airport

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Sanur: More on the Southeast coast, but a great place for people wanting a bit of peace and quiet in a tropical paradise. White sandy beaches, clear waters, great for kids as it has calmer waters and a few water sports like water skiing or kite surfing. Not too many places to shop but has souvenir stores and places to buy some clothing.
30 -40 mins from airport

Central Bali


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Ubud:
Ever heard of Eat, Pray, Love? Well that was situated in Ubud. Imagine rolling green hills, fresh air, rice paddies and temples. This is the place to go if you want to get away from the touristy area and really get to know the Balinese Culture. This is where people come to do yoga and stay at meditation resorts. It also has the monkey forest, elephant riding and white water rafting. About a 45 minute drive away from the beach.

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Bali, Gianyar. Administration building in Gianyar city.

Gianyar: Not too far from Ubud, here you can buy traditional paintings, browse through flea markets, and haggle until your hearts content.Not really a place to party or even get massages but it has more of a Balinese Culture to explore.

North Bali

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Lovina: A destination of slow-paced beach towns. Has black sand beaches and live music with a few clubs scattered around. You can snorkel around the local reefs or take a trip to see the off-shore islands and dolphins! However from what I’ve read, there’s not a lot to do.
3-4 hours from airport

East Bali

tulamben1Tulamben: The most likely thing you’ll be doing here is Diving. Tulamben is a small fishing village and a very popular dive site. A US Army Transport ship torpedoed by a Japanese submarine in 1942 lies just 25m’s off shore so divers love to go and explore.
3 hours from airport

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Amed: Same deal as Tulamben, Amed is a very popular place for diving. Come here if you want to snorkel and dive until you have water in your ears. You can also climb up 3.142 meters of Bali’s highest mountain, Mount Agung if you’re wanting a day of exercise.
The mountain is about 40 minutes from Amed and while you’re there you can check out Bali’s largest and most sacred Hindu temple at the bottom.
Luxury Villa Celagi is a popular place to stay if you’re wanting to stay on the island.
2 hours from airport

The Islands

Now if you really want to sail away from the mainland, head over and check out some of these beautiful islands.

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Nusa Lembongan:
Not really a place to stay, but defiantly a place to visit. This is basically island life of what Bali used to be 25 years ago. Great for a day trip to do some snorkeling and meet the locals. However if you do want to get back to basics and stay on the island, there are some nice accommodation options where you can stay, go swimming and head to the Scooby Doo Beach Bar.

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Gili Islands:

To make this short, there are 3 Islands. 

  1. Gili Air
  2. Gili Meno
  3. Gili Trawangan.

    Gili Trawangan
    is the bustling island where you go if you want to meet backpackers, party, sleep or just watch a movie in the sand. Most of the action is centered on the southern part of the island but it’s also fine to go to as a couple if you want a romantic getaway. There’s not motorized transport so everything is horse and cart over here!
    Gili Meno is the least visited island. I know they have a turtle sanctuary and you can do some diving trips which are meant to be good. Other than that, there’s not too much to do. You can stay here in one of the bungalows they have available on the island but don’t expect anything too special.
    Gili Air is where all the locals live. It still has restaurants and bars but it’s not as intense as Gili T with all the partying. They have a Night Market, some boat tours and some Villa’s to stay in but I probably wouldn’t spend too long here.

kaliantan-lombokLombok: An East Island just off Bali, it isn’t as popular as it’s neighbor but has many isolated beaches and a perfect place to stay if you just want to do day-trips to The Gili Islands. Also it’s the home of Mount Rinjani (the second highest volcano in Indonesia) where you can book guided tours to explore. The main area to stay in on Lombok is Senggigi as that’s where all the hotels and restaurants are. Things to do are day trips, swimming and snorkeling.

Credit: None of the pictures used are mine, if you come across a picture you own let me know and I’ll credit you 🙂 I just did a cheeky Google search.

Travel Insurance

** I’ve put a star next to some information as every Travel Insurance company is different. Some cover you for this or that whereas others will only pay you back a certain amount depending on what type of insurance you bought.

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If you’ve booked travel, book Travel Insurance!!
I always hear about people booking their flights and all their accommodation but will sort out their travel insurance “later on”
The thing with travel insurance is that it protects you as soon as you’ve booked it – meaning if you break your leg or suddenly get really sick and you’re not allowed to fly then your travel insurance will cover you* and then hopefully you can fly at a later date and not have to pay those outrageous airline fees.

Even if you don’t need to make a claim when you get back, at least you’re not worrying about medical bills or anything while you’re exploring South East Asia or the City of Rome. My Dad is currently in Thailand and is quite sick at the moment so that’s what made me think of writing this type of blog. He was talking to my mother yesterday – worrying about not being able to catch his flights back to New Zealand at the end of the week in case he was too sick but wasn’t sure if Insurance would cover him. (Turns out they will if he provides a medical certificate stating he can’t fly)
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When Can Travel Insurance Cover Me?:

Apart from situations like that of my Dads, Travel Insurance companies can cover you if the airline looses your bags. They can provide or refund you with money* if you have to go out and buy new clothes or toiletries as well as any medication that may be in your bags that you need in an emergency. If your bags are completely lost, you’ll have to report it before you leave the airport. Usually your Travel Provider will try and get you to seek compensation with the Airline first before going to them as they are the ones that lost your bags!

Side Note: I would never put medicine I desperately needed in my checked-in bags purely because of this happening.20150926_152230.jpg

If you have a medical emergency in another country, travel insurance can cover you if you need to go to the hospital or end up needing to go to the doctors for antibiotics etc.
I can’t stress enough that if you’re ever travelling to the USA, Take out Travel Insurance!!
Health care costs so much in America as they spend more than any other country on things like drugs and equipment. Doctors earn more in the U.S so that’s why lots of suppliers charge more for medical equipment than they do anywhere else. Americans also receive more medical care than other countries. If someone needs their gall bladder removed or heart surgery than they’re much more likely to get it done in the states so when foreigners come over and suddenly need surgery it costs an absolute fortune!

When you’re in a developing country like Vietnam, Cambodia or Samoa, many hospitals will admit you without asking if you have coverage or any type of insurance. Once you’re all fixed up and ready to go, they won’t let you leave until you pay up. This is where your Insurance Provider comes in and acts as an advocate so you’re not over-charged and can get all the payment sorted.

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If your passport or wallet are stolen (Which is one of the most annoying-est things to happen!) you can claim for the replacement costs to get you back on the road. If it happens, you have to make a report to the police first and then when you go to make a claim, you’ll need to send your receipts for passport processing fees, the additional travel expenses, accommodation expenses and copies of all documentation to prove that it did happen.

If you need to cancel your trip due to illness, you may be able to be partly refunded (or fully refunded if you’re lucky) for your flights or ‘change of date’ fees. If you’ve already booked accommodation, it’s best to let them know ASAP as some let you cancel within 48 hours for no charge.

Natural Disasters do happen from time to time too, so Travel Insurance may cover you if you need to suddenly come home or actually can’t come home because planes aren’t flying. Obviously you can’t suddenly get Travel Insurance once the natural disaster has happened…

With everything going on in the world at the moment, Terrorist incidents are occurring more and more often. If something has happened in the city where you were planning on visiting and you want to cancel your trip your Travel Insurance Provider may cover you for flight changes and accommodation if it’s a major threat.
It must be noted however that many policies only cover you for your trip if an act of terrorism occurs in the specific country you’re traveling to or from. If your destinations isn’t really near where anything is happening you may not be covered.
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Travel Insurance Advice:

I’d recommend only taking out Travel Insurance if you were going on an actual TRIP.
By this, I mean:

  • If you’re travelling for a long period of time
  • You’re staying in hotels for a long period
  • You’re going to a place you’d never been to before far away from home
  • You have luggage with you that has some spendy stuff in it
  • Your destination isn’t know to be particularly safe (In terms of stuff getting stolen and the roads are mayhem)
  • If you have a complex itinerary and may miss connecting flights or tours if something were to happen
  • And your whole trip maybe costs more than $3,000.

If you’re travelling from Auckland to Wellington in New Zealand on a $39 Grabaseat Flight than I wouldn’t even bother. Most likely the airline will put you on another flight free of charge if your flight gets cancelled and they should be able to cover your luggage costs if your bag gets lost*

Check before you buy if you already have Insurance. Some credit cards you have include travel insurance already but always check that the cover is sufficient for your needs. The ‘free’ insurance they provide can sometimes be very basic and not cover everything.
Also, if you already have Home Owners Insurance or Contents Insurance you may be able to get a discount through the Insurance Provider you already have for some Travel Insurance. (Did I say Insurance enough in that sentence?)

Compare before you buy!
If you’re booking your holiday through a travel agent, they’ll most likely try and sell you travel insurance as well. The only thing is, it nearly always costs more than what you could buy yourself online or through the provider directly.
If it’s easier and takes the hassle out of everything than sure – go ahead. Just make sure you go over all the fine print before hand.

Speaking of Fine Print, make sure you know your excess and what is and isn’t covered. This is the biggest complaint I hear from people and read online. They bring a Tablet with them on holiday which costs $500 and when it gets stolen they end up having to pay a $400 excess and then their provider only ends up giving them $200 towards a new one because that’s how much they claim it’s “worth” now.
Also, if you’ve gotten something stolen overseas, make sure you get a police report that says it’s been stolen and where from! I read about a couple that went overseas and someone’s laptop got stolen but the police wrote down ‘they left it’ somewhere so they weren’t covered because the Insurance Provider said it was their fault.
Some Providers won’t cover you for sports like Bungy-Jumping, Skiing or Snowboarding so this would be a good thing to discuss with your insurer beforehand.

If you’re going to South East Asia, you’re usually not covered if you ride a scooter. Way too many accidents happen with people falling off scooters and majorly grazing their legs because they decided to wear a skirt and flip flops. I think most Insurance Companies have written in their policy that you won’t be covered for riding Scooters or Motorbikes anymore.

Keep EVERY SINGLE PIECE OF PAPER you need to claim back. That means receipts from the hospital/doctors visit. Receipts from medication you had to get. Hotels you had to stay at because your flight was cancelled etc…
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How Much Should I Spend?:

I found that the cost of Travel Insurance really makes a difference depending on where you’re going and how long you’re going for.
When I got insurance for my Round-The-World Trip, as soon as I selected online I was going to The States than the price went up majorly!

If you’re looking at Travel Insurance from New Zealand, there’s a website called Travel Insurance Compare  where you put in your destination, how long you’re going for and also what type of trip it is (Single, multi sector, cruise etc.) and it shows you quotes from a few different Insurance Providers.
The only thing I found with this website however, is that it doesn’t quote all NZ Insurance Providers, only a select few. So it’s best to do more research online.

I found Southern Cross to be quite useful. The have 24 hour worldwide emergency assistance and their website is really easy to use. Just put in where you’re going and how old you are to get a quick quote. If you book online, it’s much cheaper than calling them up too.
I made a claim with them and it was really easy to do. Just e-mailed them and sent in my receipts.

I’ve read Travel Insurance Direct is really good too.
They pay Unlimited Overseas Medical Expenses and Unlimited Cancellation Costs and Additional Expenses from what it says on their website. I might look into using them next time I go on holiday 🙂
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Claims:

I’ve only made a claim once and that was recently on my trip through the UK and Europe. I was with Southern Cross at the time and paid about $360 for a 3 month cover which included the USA, UK, Europe, Middle East & Asia.
When I was on a Tour on my travels, I was sick pretty much half the time with bad Bronchitis so ended up having to go to the doctors in the UK and spent about 100 Pounds all up on the doctors and antibiotics. (That’s about NZD $215)
When I was in Croatia I also jammed my thumb in a door on the Party Cruise I was doing (Whilst drunk I’ll admit) and went to hospital just for them to bandage it up for $3,000 Kuna (NZD $660)
Crazy I know! They didn’t even give me painkillers, but they did do X-rays etc which I really didn’t need. The things you do when you’re intoxicated and you think your thumb is going to fall off…
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When I got home, I had a $100 excess (Which I figured out was PER claim) so had to pay $200 excess and then they paid me back around $600 dollars or whatever the exchange rate was at the time.

I know some New Zealanders get Insurance when they travel to Australia (Which is great to have for some things) but I remember I went to Melbourne for a week and ended up going to the hospital Accident & Emergency and didn’t end up having to pay anything.
I was originally worried about payment but the Receptionist there told me that I wouldn’t have to pay anything because Like New Zealand, Australia has both public and private health care systems. So Australian taxpayers fund the public health system just like we fund ours over here and as a New Zealander in Australia we’re allowed free emergency hospital care but any doctor visits etc… you’ll have to pay for. Unless you have a Medicare Card which you can get if you move to Australia.

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