cheap travel insurance to fiji

Top Travel Insurances for Fiji You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Fiji is an often-overlooked tropical paradise with crystal-clear Pacific waters, stunning beaches, and a unique Melanesian culture. Although travelling to Fiji can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Fiji and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Fiji Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Fiji:

Best Travel Insurances for Fiji

• 01. Should I get travel insurance for Fiji? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Fiji scroll down

Heading to Fiji soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Fiji?

Yes, travel insurance is mandatory for travel to Fiji. This means that as a traveller to Fiji, you must provide valid travel insurance coverage for the entire duration of your stay. If you don't arrive with travel insurance, you risk being denied entry into Fiji, or even deported in certain cases.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Fiji or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Fiji:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Fiji. It lets you choose between various plans tailored to meet the specific needs of your trip to Fiji, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Fiji:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Fiji? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Fiji

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Travel Insurance for Fiji: A Complete Guide

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Visiting the South Pacific nation of Fiji is like stepping into a tropical paradise, with its pristine beaches, clear blue waters, vibrant coral reefs, and lush rainforests.

Whether you’re planning to unwind by the beach, partake in adventure sports, or explore the rich Fijian culture, you need to consider travel insurance for Fiji as part of your travel plans .

In this article...

Why Do You Need Travel Insurance for Fiji?

Travel insurance is essential for any international trip, and Fiji is no exception. It offers financial protection against unforeseen circumstances such as medical emergencies, trip cancellations, lost baggage, and more.

Here’s a closer look at why it’s important to get travel insurance when traveling to Fiji:

• Medical Emergencies: Although Fiji has adequate healthcare facilities, complex medical cases may require evacuation to a country with more advanced medical facilities, like Australia or New Zealand. This can be incredibly costly. Good travel insurance covers medical emergencies and hospitalization, as well as medical evacuation, if needed.
• Adventure Sports: Fiji offers numerous adventure sports activities like scuba diving, snorkeling, hiking, and surfing. Engaging in these activities may increase the risk of injury. Ensure your travel insurance covers adventure sports (learn more about Adventure Sports and Travel Insurance ).
• Trip Cancellation or Interruption: Whether it’s due to personal reasons or unexpected weather events such as cyclones, sometimes trips get cancelled or cut short. Travel insurance can cover non-refundable expenses related to your trip in such situations.
• Lost or Stolen Baggage: With travel insurance, you can be reimbursed for personal belongings that are lost, stolen, or damaged during your trip.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Understanding Your Travel Insurance Policy

When you’re comparing different travel insurance plans , there are key terms and conditions that you should understand:

• Coverage Limit: This is the maximum amount the insurance company will pay for a covered loss.
• Deductible : This is the amount you pay out-of-pocket for a covered loss before the insurance kicks in.
• Exclusions : These are specific conditions or circumstances for which the insurance policy will not provide benefits .

In addition, ensure you understand the claims process of your insurance provider.

VisitCover provides a detailed guide on how to file a travel insurance claim that can help you navigate this process.

Travel Tips for Fiji

While you’re preparing for your trip to Fiji, here are a few tips to keep in mind:

• Fiji is located in the tropics, and the country has a risk of cyclones, especially between November and April. Stay updated with the weather forecasts and plan accordingly.
• As a traveler, be aware of your personal safety. Keep your belongings secure and avoid isolated areas, especially after dark.
• If you’re planning to engage in adventure sports, ensure that the equipment is safe and the operators are licensed.
• Carry a basic first-aid kit and any prescription medications you need. Also, protect yourself from mosquito bites to avoid mosquito-borne diseases.

FAQs About Travel Insurance for Fiji

1. Is travel insurance mandatory for Fiji?

While travel insurance is not mandatory for traveling to Fiji, it is highly recommended to protect yourself against unexpected expenses.

2. What should my travel insurance policy cover for a trip to Fiji?

Your travel insurance policy should ideally cover medical emergencies, including evacuation, trip cancellation or interruption, lost or stolen baggage, and personal liability. If you’re planning to engage in adventure sports, ensure these are covered as well.

3. How do I make a claim on my travel insurance policy?

The process to make a claim can vary depending on your insurance provider.

Typically, you need to notify your insurer as soon as possible, gather supporting documentation (such as medical reports, police reports, or receipts), complete a claim form, and submit it to your insurer.

Ensure you understand the claims process and the timeline to avoid any surprises later.

4. Can I buy travel insurance after I’ve left for Fiji?

While it is best to buy travel insurance before your trip starts, some insurers allow you to buy travel insurance after you’ve departed. However, there may be waiting periods or conditions, and you may not be covered for incidents that have already occurred.

5. What if I have pre-existing medical conditions?

Disclose all pre-existing conditions to your insurer when buying travel insurance. Coverage for pre-existing conditions varies among insurers. Some may provide coverage if the condition is stable, while others may exclude these from coverage.

Whether you’re traveling to Fiji for its stunning landscapes, adventure sports, or cultural experiences, it is crucial to protect your trip with appropriate travel insurance. It not only provides peace of mind but also financial protection against unforeseen situations.

As with any insurance policy, take the time to understand the coverages, exclusions, and claims process to ensure it meets your specific needs. Bon voyage!

Remember, insurance is a way to safeguard your journey to the idyllic islands of Fiji, allowing you to embrace the adventure and the unexpected with open arms, knowing you’re well protected.

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Visitcover.com is a travel insurance review portal that will help you choose the right travel insurance plan for your next trip. By bringing you unbiased, fact-checked, verified information about travel insurance companies, plans, claim processes, and everything that's usually mentioned in the fine print. Make informed decisions, with us!

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Comprehensive Inbound Travel Insurance

Comprehensive outbound travel insurance, inbound covid-19 travel insurance, outbound covid-19 travel insurance.

• Comprehensive Travel FAQ
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Get your FijiCare Comprehensive Travel Insurance

Comprehensive Outbound Travel Insurance & Comprehensive Inbound Travel Insurance

Emergency Medical Assistance

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Now, Travel without any hassle!

Best Travel Insurance policies to fulfill all your needs, including COVID-19 treatment and its related adversities.

*COVID-19 covered for International Travelers coming to Fiji only.

*Tax benefits is subject to changes in tax laws. Standard T&C Apply.

Start Your Journey with our FijiCare Travel Insurance Plan!

• COMPREHENSIVE INBOUND
• COMPREHENSIVE OUTBOUND
• INBOUND COVID-19
• OUTBOUND-COVID 19

Medical Expenses

Isolation Expenses

Covid-19 Test

Hospitalization Costs

Repatriation of Mortal Remains

Transportation

Trip Curtailment

Accidental Death

Travel Cover

To protect and assist you at every step of your journey.

Explore the world! We are here to protect your travel to and from Fiji.

Introducing FijiCare Travel Insurance to help you against unexpected events during your travel. With the coverage for medical and non - medical treatment expenses, we will help you enjoy your stay and journey to and from Fiji.

While a COVID-19 Negative report is mandatory to travel in and out of Fiji, there are chances for a Traveller to get contracted with the virus during their stay. A Traveller will have very few expenses (if any), subject to policy terms and conditions.The FijiCare COVID-19 Travel Insurance covers all eligible Travellers from pre-approved regions or countries.

Get Your FijiCare COVID-19 Travel Insurance online in 4 easy steps!

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FijiCare is there to support you when you need us with a a suite of travel insurance options to meet your needs. Hurry, the world is waiting.

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Fiji Travel Insurance

If you are planning a trip to Fiji you may highly benefit from our Fiji Travel Insurance.

 What is Travel Insurance?

Travel  insurance is  a  type  of insurance that covers the costs and  losses  associated with traveling. It is a plan you purchase that protects you from certain financial risks that can occur while traveling, such as a delayed suitcase, a trip cancellation, or a medical emergency overseas. Helps travelers deal with various contingencies that can occur during their trips.

The Significance of Travel Insurance

This insurance is significant because it offers travelers peace of mind and financial protection. It ensures that they are not burdened with exorbitant costs in case of unexpected incidents such as medical emergencies, trip cancellations, lost luggage, or other unforeseen events during their travels.

Benefits of Comprehensive Coverage

Comprehensive coverage is more than just protection; it's your ticket to peace of mind. It goes beyond addressing health risks and travel disruptions; it empowers you to immerse yourself in the Honduran experience fully.

best places to visit in Fiji

Bouma national heritage park.

Taveuni is the third-largest island in Fiji, after Viti Levu and Vanua Levu, with a total land area of 434 km 2 . Nature lovers and hikers can soak up some of Fiji’s lush natural beauty in Bouma National Heritage Park on the island of Taveuni.

Established in 1990, the park encompasses about 150 km 2 of rain forest, with rare tropical plants and an impressive diversity of birds, as well as four villages that are each responsible for managing portions of the park. You can snorkel in the marine park at Waitabu; hike through the rainforest to ancient ruins near Vidawa; and kayak or stroll the Lavena Coastal Walk, stopping at the three sets of waterfalls (Tavoro Waterfalls) for a swim along the way.

Pacific Harbour, Viti Levu

Viti Levu is the largest island in the Republic of Fiji. It is the site of the nation’s capital, Suva, and home to a large majority of Fiji’s population.

Pacific Harbour is a town of Viti Levu and is the self-proclaimed “Adventure Capital of Fiji.” This upscale enclave of vacation homes and resorts began its life as a residential canal development in the 1970s, and today, it’s evolving into a hot spot for adrenaline sports. Popular things to do here include river rafting on the nearby Upper Navua River, ziplining, jet skiing, surfing, 4WD adventures, and a heart-pumping dive with bull sharks in Beqa Lagoon. For more low-key activities, Pacific Harbour is also home to a popular arts village with restaurants, souvenir stalls, and cultural shows.

Continents:

The European continent is located completely in the northern hemisphere and mainly in the eastern hemisphere. Europe borders onto the Arctic Ocean in the North, the Atlantic Ocean in the west and the Mediterranean Sea in the South. There are 50 countries in Europe with a total of more than 748 million people living on the continent in 2021.

There are 49 countries in Asia according to the UN. The 10 biggest countries are listed in the right column of this page. Two of the Asian countries, Russia and Turkey, also share part of their territory on the European continent. Additionally there are two countries that only have limited international recognition: State of Palestine and Republic of China/Taiwan and some dependencies. Asia is the most populous continent with more than 4.7 billion people living there. (2022)

There are 54 countries in Africa – and 9 dependent territories. More than 1.3 billion people live on the African continent. This means about 15% of the world’s total population live in Africa! Even though Nigeria is only a third of the size of Algeria, it is the most populous country in Africa, with more than 219 million people.

NORTH AMERICA

Oceania is in a continental group consisting of 14 countries and includes Pacific islands and Australia. Often Australia is named as a continent, but this means that the many islands and countries except Australia would then be not included. Oceania in fact is mostly ocean and spans a vast area as you can see below.

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Why do I need travel insurance in Fiji?

• It can cover you for emergency medical treatment.
• It can cover medical expenses caused by injuries and accidents, unless it's from an excluded activity.
• It can pay for transport to hospital by helicopter or ambulance, as well as medical evacuations back to Australia.
• If you're renting a car in Fiji, make sure you have car rental excess cover.
• Theft can occur in Fiji. Travel insurance can cover you for lost or stolen valuables. This could include rings, necklaces, phones and watches.
• Terrorism is a risk in Fiji. A few insurers provide cover for medical and hospital expenses caused by an act of terrorism, including the cost of bringing you back home.

Looking for the best travel insurance for Fiji? Check out our award winners in 2023

Tick travel insurance has ranked first place for customer satisfaction in 2023 .

This survey was conducted by Dynata, where 95% of respondents said they would recommend Tick to a friend, and it scored the highest in the 'value for money' category.

Southern Cross Travel Insurance has taken the top position in the 'Travel insurance - Comprehensive' category for the 2023 Finder Awards . Why? It's got to do with its wide COVID-19 coverage and how it handles cancellations due to unexpected events.

Adding to that, its average pricing was pretty affordable compared to other brands who offer less coverage for a higher price.

Fast Cover is the winner of the 2023 Finder Awards for the 'Travel insurance - Value' category. How? We compared the average prices of 28 international travel insurance policies, and Fast Cover came out on top.

But what does ' value' mean? It means we looked at more than just price. Fast Cover doesn't include everything on its policies, but it offers good value.

InsureandGo has taken the top place for the 'Travel insurance - Domestic' category in the 2023 Finder Awards .

Why? We analysed 23 domestic policies and found that InsureandGo were generous with their benefit limits for things like cancellation and rental car excess insurance.

Southern Cross Travel Insurance is the winner of the 'Travel insurance - Seniors' category in the 2023 Finder Awards . Why? It has higher age limits and generous benefits.

We also appreciated SCTI's easy-to-read product disclosure statement. This means that customers can easily understand their policies, and travel with confidence.

Fast Cover Travel Insurance's COVID-19 Benefits & Refund Policy earned it a place among the finalists in the Insurance Innovation category of this year's Finder Innovation Awards .

It goes further than many other insurers, covering COVID medical expenses and evacuation, up to $5,000 for COVID-related cancellations and additional expenses.

Fiji travel insurance: Common exclusions

Every travel insurance policy has things you won't be covered for. Common exclusions include:

• If you purchase cover after the incident has occurred. For example, if you take cover out after you've been injured and need medical attention.
• Pre-existing medical conditions. If you have any major medical conditions, make sure you let your insurer know before taking out a policy. Otherwise you won't be covered for claims related to that condition.
• You travel despite government travel advice. For example, if you travel to areas that have a warning from Smartraveller, travel insurance may not cover you.
• Incidents that occur while you're under the influence of drugs or alcohol. For example, if you go out drinking in Nadi, get injured and need medical attention, travel insurance won't cover you.
• Driving vehicles without a licence. Like Australia, you won't be covered for medical costs or personal liability expenses if you drive without a licence in Fiji.

What add-ons should I look for?

• Watersports like snorkelling, jet skiing and para-sailing are popular activities in Fiji. Make sure to add the right cover to your travel insurance.
• Cruising through Fiji is a popular way to explore the area. Add cover to protect your wallet from missed port departures and pre-paid activities.

Will I be covered for COVID-19?

Travel insurance can cover you for COVID-19 in Fiji. A policy can cover you for the following:

• Rearrangement costs if you catch the virus and need to change your plans. Lots of comprehensive travel insurance policies let you claim up to $5,000 towards these expenses.
• Medical costs due to COVID-19. This can include hospital expenses and RATs if you catch COVID-19 while overseas (but you won't be covered for mandatory PCRs).
• Expenses if you need to isolate. For example, if you catch COVID while you're overseas and need to push back your flight and stay in your accommodation longer.

How do I get cheap travel insurance for Fiji?

• Medical only or basic policies will generally be the cheaper policies on the market.
• Use exclusive deals or promo codes to get a discount.
• Opt for a higher excess. This will make your policy cheaper but more expensive if you have to claim.
• Compare across a handful of travel insurers – they're not all the same.
• Get the most value by buying your policy early. It means you're covered for longer while paying the same price.

When I travel, I don't want to fork out a lot for travel insurance. I always get something above the bare minimum though which usually only covers medical-only expenses. Flight disruptions and delayed luggage are really common, so look for a cheap policy that covers me for these things.

Gary Ross Hunter Finder's travel insurance senior writer

What do I do in emergencies?

For emergencies: call 911 (police), 911 (ambulance) or 911 (fire).

In a medical emergency, call for help and then contact your insurer on their emergency assistance line.

Civil unrest, security risks, threat of terrorist attack and crime are a concern in Fiji, but you should still be eligible for travel insurance. It won't cover all of these situations but it can help cover medical costs, stolen belongings and much much more.

Meet our travel expert Angus Kidman

Angus Kidman is the international editor-at-large at Finder. He's an award-winning journalist, avid travel enthusiast and passionate frequent flyer. Angus appears regularly on Sunrise, Today, The Project, Seven News and other TV and radio shows to share his expert tips.

Angus's top Fiji travel insurance tips

• Adventure tours are popular in Fiji, but activities such as quad biking and zip lines might not be covered - check first.
• Take out insurance as soon as you book your trip - that maximises the value of your cover.
• Make sure your cover includes medical evacuation - for more serious issues, you might end up in an Australian or New Zealand hospital anyway.

Why you can trust Finder's travel insurance experts

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Faqs about fiji, which travel insurance is good for fiji.

The cheapest policy will usually only cover you for medical expenses. However, flight disruptions and petty crime are fairly common in Fiji so it may be worth getting comprehensive travel insurance. This can cover you for medical expenses, trip rearrangement costs, theft, luggage delay and more.

Do you need travel insurance to go to Fiji?

The Australian government's smartraveller site recommends that you take out cover when travelling to Fiji. If you can't afford travel insurance, you can't afford to travel.

Which travel insurance company has COVID cover for Fiji?

Lots of travel insurers cover COVID-related expenses now. You can find a full table of the policies that cover COVID expenses on our homepage .

Is it safe to travel to Fiji?

Yes. The Australian government smartraveller website says to exercise normal safety precautions in Fiji.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Travel Insurance For Fiji

With its famous coral diving, white sandy beaches, and over 300 tropical islands, it’s no wonder that 180,000 Kiwis are drawn to Fiji each year! Whether you’re pining for chilled Fiji Gold, or you’re tempted to swim with turtles, Fiji caters for every taste. Can't wait to unwind in the hot springs or take a dip in the mud pools? Fiji has it all. Now we don’t like to think of holidays as risk taking ventures, but the truth is, new environments, unfamiliar territory, foreign languages and unfamiliar foods can throw any traveller for a loop. Don’t get banged up abroad- make sure you  pack travel insurance on your Fiji adventure.

Compare travel insurance for Fiji

Whether you're a budget conscious backpacker, a sucker for the surf, or a worn-out parent seeking some family R&R, it pays to compare travel insurance policies to find the right cover for your trip. A policy will cover you for unexpected accident or illness, lost luggage or theft, unforeseen trip cancellation and much more. When comparing policies, it's important to consider benefits, as well as costs…

How much does travel insurance for Fiji cost?

The cost of travel insurance can vary a fair bit! Say you’re 30 (ish) years old and you’re going to Fiji for a one-week holiday. Depending on your preferred level of cover, you can expect to pay anywhere from $25 to $100. To give you an idea, we’ve outlined the costs of several policies below; Basic policies: $25 – $40.  If you’re looking for real low cost cover  1Cover’s  Medical Only Cover ( $24.71)  is the cheapest policy on our site. This policy includes unlimited medical and $1 million personal liability only. The excess you must pay towards a claim is $200.   Mid-level policies- $28 – $30.  TINZ’s  standard policy offers decent cover at just  $27.90.  This includes unlimited medical, $10,000 cancellation, $5 million personal liability and $5,000 luggage and personal effects.   Comprehensive policies -$35 (ish) – $80.  1Cover’s  comprehensive policy at   $33.30  offers generous cover with a excess of $200. Their policy includes unlimited medical, unlimited cancellation, $5 million personal liability, $15,000 luggage, $25,000 accidental death, $5,000 hospital cash, $25,000 personal disability, $5,000 for travel documents and $50,000 travel expenses. *All prices accurate at time of writing July 2019.

What will my policy cover?

If your Fiji trip takes a downward turn for any of the following reasons, comprehensive cover will throw you a rope. You can expect cover for:

• Medical : Food poisoning, drink spiking, Zika Virus, and moped accidents are all scary possibilities. Medical evacuation in Fiji can be extremely costly and private hospitals often require a guarantee of payment before admission. Luckily, your policy will cover the exorbitant expense of overseas medical cover. (Make sure you disclose any pre-existing medical conditions to your insurer before travelling).  
• Cancellation fees and lost deposits : With its year-round warm tropical climate Fiji is prone to a range of natural disasters including droughts, cyclones, floods, tsunamis and earthquakes. Travel insurance will cover unforeseen cancellations for events such as natural disasters, as well as accidents, hijackings, severe sickness or injury. Incidents that are beyond your control will usually be covered.  
• Luggage and personal effects : Generally speaking, Fiji is quite a safe place for travellers and having your wits about you is all you really need to ensure a safe and enjoyable trip away. That being said, theft is becoming more common, particularly on the mainland in the capital city Suva and Nadi. Your travel insurance will reimburse you for lost, stolen or damaged luggage. Comprehensive cover also includes cover for theft of cash and travel documents too if this is something you’re worried about.  
• Personal liability:   If you injure someone or are held accountable for damaged property in Fiji the consequences could be disastrous, particularly when you are unfamiliar with local laws and regulations. In such an event, your policy will cover your liability costs to a degree.   
• Additional extras:  Each policy varies but look out for top notch extras such as cover for rental vehicle excess, permanent disability, loss of income, cover for kennels and catteries (if you’re delayed home to your fluffy friends) and more. 

What will my policy not cover?

• Riding risky:  Whilst driving is on the same size of the road at NZ,  the road conditions in Fiji are a lot different to ours. There are many pot holes, badly lit roads and livestock crossing or grazing next to the highway. If you decide to hire a car, you wouldn't be covered if you do not have a valid driving licence accepted in Fiji. Top tip! If driving - take it easy and try and do so in day light hours. If you’re going to be riding a scooter or motorbike, keep in mind that your insurer will not cover you if you are found riding without a current New Zealand license (valid in the country you are in). You must be wearing a helmet too!  
• Unattended items : Keep a strong hold over all your belongings as leaving your stuff unsupervised will not be covered for. That also means not leaving your stuff with your fellow holidaymakers.          
• Being intoxicated : Whether your drink of choice is a Fiji Gold or Fiji Rum, all claims related directly to alcohol will not be paid. So have fun in moderation! Also, the possession of even small quantities of "soft drugs" for recreational purposes can result in lengthy jail sentences.  
• Terrorism and travel warnings : At July 2019, the SafeTravel website warns tourists to 'exercise normal safety and security precautions’ in Fiji. Note that however, there have been reports of assault and theft occurring at night in urban areas. The Government advises travellers to avoid poorly lit areas at night, particularly in Suva. It's a good idea to keep up to date with travel advisories on sites like www.safetravel.govt.nz .  
• High risk activities:  Adventure activities are plentiful in Fiji. From scuba diving in Viti Levu, ziplining in the sleeping giants in Nadi, white water rafting in the Upper Navua River or even snorkelling in the crystal-clear island waters... adrenaline junkies are sure spoilt for choice! But watch out, as participating in  particularly risky activities  such as climbing (where ropes are needed), cliff jumping or sky diving may not be covered by your policy.  Be sure to scan your policy’s small print to check out which of your preferred heart pounding activities are covered.  
• Pre-existing conditions :  Medical conditions  that exist before you travel are generally not covered, but it pays to check. You can sometimes pay a bit extra to get some conditions covered. Check your policy wording to see what conditions are covered automatically, and which ones require a medical assessment first.  
• Unreported items:  You need to report theft or loss to the relevant authority ASAP (and your travel insurance provider) within 24 hours.

How to save on travel insurance in Thailand

• Choose your destination wisely –  You might be able to save yourself a few Fijian Dollars by finding an insurer that classes Fiji in its own price bracket, rather than grouped under Pacific.  
• Consider how often you travel  - If you travel a few times per year, you could save by purchasing an  annual multi-trip policy  rather than purchasing a policy each time you take off.  
• Combine policies  - If travelling with your family or a companion, a  joint policy  is often cheaper than purchasing separately.  
• Increase your excess  - Most insurers allow you to lower your premium by opting to pay higher excess in the instance that you need to make a claim.  
• Shop around  - You'll be amazed at how much travel insurance quotes can vary. Offers by travel agents or airlines usually have commissions added on. In fact, you can save up to 50% by shopping around, so it pays to buy your  travel insurance direct.  Doing your comparison online will allow you to compare loads of quotes in seconds. Yippee

Fiji fast facts

Capital : Suva Currency:  Fijian Dollars Country code:  +679 Languages: Fiji has three languages Fijian, Fiji Hindi and English Culture: Fijian culture has evolved with the introduction of different cultures including indigenous Fijian, Indian, European and Chinese heritage. Fiji’s culture is heavily influence by indigenous traditions and values. Visitors are made to feel welcome into the Fijian way of life through the food, warm encounters, festivals, music and arts. Not to be missed:  If you want to experience the wonders of Fiji the best way is to hop aboard the ferry service and visit the tropical islands. Some of the most popular being the Mamanucas and Yasawa Islands. But if you fancy something of the beaten track there’s another few hundred you could choose from – you’re really spoilt for choice! (333 in total). On the islands there are many activities to participate in like hand line fishing, scuba diving on the amazing coral reefs, or taking a Fijian cooking class to embrace the local delicacies. Nightlife:  Fiji is not renowned for its nightlife, think relaxing beach holiday rather than nights out on the town. That being said if you're looking for the party -  the mainland is the place to go.  If you’re after a big night out head to Nadi, with plenty of bars and night clubs you'll be able to party the night away. Or another option is Suva the Capital. No matter what your taste, there’s something for every type of party animal here, just keep your wits about you. Food & drink : If you like your food fresh and packed with flavour, you’re in luck! Much like its welcoming culture, Fijians cuisine is always warm, inviting and addictive! Their cuisine relies heavily on foods that are available naturally on the island. This results in delicious dishes made from fresh fish and seafood, root vegetables such as taro and cassava, coconuts, citrus fruits and meats including pork, chicken and lamb. Whilst in Fiji trying a Lovo is a must! Arguably one of the best feasts cooked in the earth- think a underground barbeque with smoked meat and vegetables yum!  The national drink of Fiji is Kava, (not Fiji Gold!) made from the pulverised root of a member of the pepper family. The drink is believed to have medicinal qualities and can leave the drinker feeling relaxed. If you want to embrace the Fijian culture this is a good place to start. Tips to safe street food in Fiji;

• Only eat at the most popular food carts, the turn-over rate is higher and therefore foof won't be left out in the heat all day
• Only chose meals cooked in front of you and avoid pre-cooked food canteens
• Stay wary of uncooked dishes such as salads and only drink bottled water
• Wash unpeeled fruit with bottled water
• Use good judgement, for instance, steer clear of a stall that looks grimy and unclean.

  Beaches:  Sandy shores and turquoise blue waters are not in short supply in Fiji. With over 300 hundred islands to choose from you'll be in your element. After the Hollywood blockbuster Castaway, was shot on Monuriki island, in the Mamanuca Islands tourism to the area shot up. If crowds aren’t your thing you could head to Honeymoon Beach on Turtle Island, Horseshoe Bay, or take the trek to Fiji's western edge and the remote beaches in the Yasawa Islands.. you won't be disappointed.

Safety speed dial

Found yourself in hot water? Should you find yourself in an emergency situation, the following emergency contacts should set you straight. New Zealand, High Commission Reserve Bank of Fiji Building, Pratt St, Suva Phone: 02 344 6300 Emergency Contact, Fiji Call 911 Or visit your local police department.  

Ready To Find Your Perfect fiji Travel Insurance Policy?

  Stuff going wrong on holiday shouldn’t be your foremost concern when planning your trip. After all you’ve got an exciting itinerary to navigate! But like it or lump it, without safeguarding your travels, all the fun stuff could be nullified in the flash of an eye.

Compare Fiji travel insurance policies today  to save time, worry and loads of money. You’ll be on your way to a relaxed, worry-free holiday quicker than you can say "Bula". Or perhaps your heading elsewhere on your holidays? Perhaps you're staying closer to home in  Australia or experiencing the delights on Singapore? No matter where your adventure takes you make sure you compare travel insurance for your next trip!!!  

Bula! Finding travel insurance is easy when you compare travel insurance!

Hayley Kennedy

Originally from the UK, Hayley took a gap ‘year’ in 2011… and it’s still going! She’s travelled all over the world, volunteering in a Ugandan orphanage, skydiving in Australia, shark diving in South Africa, and skiing in the Alps (and snapping in a ligament in the process!). Certified in Tier 2 General Insurance General Advice and working in travel insurance for over two years, Hayley is a thrillseeker and a storyteller who loves hearing about customers’ holiday plans and sharing her own tips and must-see spots to help get them inspired.

Travel Insurance Extraordinarie At Your Service

Need some help? Use the search box below to find answers to all those tricky questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!

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CoverDirect NZ Limited (INC 3526051) owns and operates this website.

Our comparison is a free service that makes it easy for users to compare multiple quotes, saving both time and money. Our comparison ranks quotes according to price and is limited to those insurers that have agreed to participate on the site. CoverDirect NZ Limited does not hold a financial services licence. The comparison does not take your personal circumstances into account; as such, all information provided should be considered general and should not be considered as advice or a recommendation. Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. Pricing information is supplied by the insurance providers and ALL policy details should be verified with the before you purchase. This site links users to the website of the insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase. We do not issue insurance. Users purchase directly from the travel insurance provider.

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7 Best Cheap Travel Insurance Companies in April 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Finding the cheapest travel insurance is often a priority for travelers hoping to protect themselves and their finances while away from home.

But is it better to err on the side of affordable travel insurance or opt for a more comprehensive plan? That depends on your needs .

On average, a comprehensive plan that covers some combination of trip cancellation and interruption costs, medical coverage and baggage protection (and perhaps a number of other things) will cost you 5%-10% of what you paid for the trip, according to NerdWallet partner Squaremouth, a travel insurance marketplace.

That means a comprehensive policy for a trip that costs you $3,000 could run you anywhere between $150 and $300. Factors like the cost and length of your trip, the age of the travelers and how much protection you want can significantly influence what you pay for your plan.

Ultimately, Squaremouth recommends “the least expensive policy that offers the coverage [travelers] need.”

» Learn more: The best travel insurance companies right now

Factors we considered when picking cheap travel insurance plans

We considered a few factors as we looked for the most affordable travel insurance plans.

Price: If your goal is to find cheaper travel insurance, you want the price to be affordable.

Breadth of coverage: The best budget travel insurance is typically going to be a plan that offers a wide range of protections at an affordable cost, ensuring you’re protected with at least some coverage for a wide range of scenarios.

Uniqueness or customizability : While many travel insurance plans have similar protections, some stand out for particular coverage that can be helpful to certain travelers, like those needing to Cancel For Any Reason , those going on a cruise, or travelers with preexisting health conditions. We didn’t spring for the priciest plans with broad, deep coverage; instead, we picked those that meet a sort of budget "sweet spot" when it comes to cost efficiency.

» Learn more: Is travel insurance worth getting?

An overview of the best cheap travel insurance plans

We looked at travel insurance quotes for a hypothetical 10-day trip to Italy in October 2023. The traveler is a 40-year-old man living in North Carolina who spent $2,000 on the trip, including airfare.

Reliable but cheap travel insurance providers

1. axa assistance usa (silver plan: $70).

Why we picked it:

The $500 missed connection benefit is great for cruise and tour participants. It covers additional transportation, accommodations and meal costs when you miss a cruise or tour departure.

Full trip cancellation and interruption coverage, along with up to $25,000 for out-of-pocket medical costs and baggage coverage.

Among the lowest prices we found.

If you’re willing to spend a bit more than AXA's $70 Silver plan, a Gold plan only costs $19 more and gets you deeper coverage amounts and up to $35,000 in collision rental car insurance.

2. Berkshire Hathaway Travel Protection (ExactCare Value plan: $56)

Cheapest plan we found while still offering a wide array of protections.

Includes a preexisting medical condition waiver.

Add-on rental car collision coverage optional for $10 per day. You can pick how many days you want the additional coverage — it’s not all or nothing.

At $56, this plan comes in at less than 3% of the $2,000 trip cost.

3. IMG (iTravelInsured Lite plan: $77)

Treats COVID-19 like any other illness, which is to say, if your claim accepts flu, strep throat or appendicitis as an acceptable, covered condition, the coronavirus is, too.

Covers costs related to trip interruption up to 125% 

Higher than normal limits on dental expenses, at $1,000. If your teeth are your Achilles heel (or your biggest fear), this plan might be for you.

The iTravelInsured Lite plan doesn’t offer some of the bells and whistles that other plans do, like rental car coverage , Cancel For Any Reason coverage or waivers for pre-existing conditions. But you’ll have relatively solid across-the-board trip protections.

4. John Hancock (Silver plan: $93 for a mid-tier plan)

Mid-level plan (as opposed to a basic plan) at an affordable price for travelers who want more coverage without paying too much.

Includes an optional Cancel For Any Reason add-on for travelers wanting flexibility. It is a bit pricey, at half the cost of the insurance ($46.50 extra for a $93 plan).

Reimburses up to $1,000 for lost baggage , far more than many basic plans.

Add-on rental car coverage for $9 per day.

At $88, John Hancock’s basic (Bronze) plan isn’t particularly affordable. But for just $4 extra, you can tap into the benefits of a mid-tier plan at still less than 5% of the total trip cost.

5. Nationwide (Essential plan: $76)

Includes a preexisting conditions waiver.

Add-on rental car coverage for $90. 

Covers trip interruption at 125% of the trip cost while providing comprehensive emergency medical and baggage coverage.

6. Seven Corners (Basic plan: $75)

On top of standard trip protections, it includes a relatively affordable Cancel For Any Reason option for $31.50 extra.

If you plan to rent expensive sporting equipment, you might consider paying $10 extra to cover lost, damaged, stolen or destroyed gear.

COVID-19 coverage reimburses you for costs incurred if you have to quarantine .

Rental car coverage comes in at an affordable $7 per day.

Seven Corners’ Basic plan stands out because it offers a little bit of everything, appealing to athletic travelers, those who need affordable trip protections, those who want the flexibility to cancel for any reason and those still concerned about getting quarantined due to COVID-19.

7. Travelex Insurance Services (Basic plan: $71)

Straightforward: What you see is what you get. This plan’s coverage has fewer rules and caveats than many. 

While not sporting the highest coverage amounts, it offers a solid range of protections to ensure you get at least something back when your travel is disrupted or you have a medical emergency.

Offers add-on rental car coverage for $10 per day.

At $71, the Travelex Basic plan’s cost is just over 3% of the $2,000 trip’s cost.

If you want to get travel insurance at the cheapest possible rate, here’s a trick. Put $0 as your trip cost, Stan Stanberg, co-founder of comparison site Travelinsurance.com said in an email.

“When excluding trip cancellation and trip interruption coverage the cost of a travel insurance plan goes down significantly,” Stanberg said.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical, trip delay , missed connection, baggage and other protections.

You’ll often find comprehensive travel insurance plans cost 5%-10% of your total trip cost, according to Squaremouth. This will often get you full trip cancellation and trip protection, baggage protection, emergency medical coverage and often other benefits.

Typically, the more you pay, the broader and deeper the coverage.

For many plans, you can purchase travel insurance up until you depart. However, to get access to the most protections possible, booking two days to two weeks after making your initial deposit is the best rule of thumb.

That means you won’t get reimbursed if you need to cancel your trip or if it gets interrupted. But you may still have access to the plan’s medical,

, missed connection, baggage and other protections.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Trip Details.

Type to select country destinations

Type the countries you are travelling to or select from popular destinations below.

• Cook Islands
• New Caledonia
• New Zealand
• Philippines
• South America
• Netherlands
• Switzerland
• United Kingdom
• South Africa
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• United Arab Emirates
• Domestic Cruise
• Cruising New Zealand

Please Note: You do not need to include stopovers less than 48 hours, except for USA and Canada.

• Depart Return

Are all travellers under 19 your children or grandchildren?

Dependants are defined by TINZ as your children or grandchildren, not in full time employment, who are under the age of 19 and travelling with you for 100% of the journey. Before proceeding, please confirm that all travellers under 19 are dependants of the adult travellers. If the child is not classified under the above terms then please treat them as an adult traveller within this policy.

The Already Overseas plan is appropriate for New Zealand residents who are already overseas and need travel insurance cover because they have either forgotten to purchase before they left New Zealand or, their existing travel insurance policy has expired.

Please read our conditions of purchase carefully. We can only provide cover provided that you satisfy the following conditions at the time of purchase:

• You are aged 64 or under; and
• You have a permanent residential address in New Zealand and will be returning to resume residence in New Zealand at the end of your journey; and
• You intend to return to New Zealand on the date your policy ends; and
• You purchase your policy within 30 days from either the date you departed New Zealand; or the expiry of any other travel insurance policy; and
• Your period of overseas travel does not exceed 18 consecutive months in total from the date you originally departed New Zealand;

Please note:

• For this plan “journey” means the time from when the policy is issued while you are overseas and ends when you arrive at any immigration counter in New Zealand.
• Journeys can be up to a maximum of 90 days.
• Purchasing an Already Overseas policy is limited to one journey every 12 months.
• There is no cover provided for the first 72 hours from the start date of your certificate of insurance.

Age limit exceeded.

We are sorry.

We are unable to provide cover for this trip. Travellers aged over 80 years and over can only purchase travel insurance for a maximum duration of 6 months.

Please visit our partner website www.comparetravelinsurance.co.nz to purchase travel insurance for this trip.

Single Trip | Annual Multi-Trip

  travel insurance   for fiji.

Fancy a no-stress holiday with sun, surf and sea? Fiji ticks all the boxes and then some!   Just don't forget to pack your Fiji travel insurance to keep your holiday in the hammock hassle free.

24/7 Emergency  Assistance

24 hours a day, seven days a week - our emergency assistance team will be there to help, no matter the timezone.

Cancellation  Cover

Don’t lose out if you have to cancel your Fiji trip. We offer cover if you can no longer travel or have to return home early due to unforeseen events.

Travel Delays

Delayed by six hours or more? Our policies will look after you while you wait to get your holiday back up in the air.

Terrorism Cover

Sometimes the world can be a scary place. If your holiday is affected by terrorism, we’ll pay for your flight home, cover medical costs and in some cases trip cancellation.

Riding a Motorbike or Scooter

Scooters and motorbikes are a popular way to get around Fiji. If you're properly licensed to ride, then we'll cover you.

Gadget Cover

Imagine you just dropped your Digital SRL into that tropical blue lagoon. Our plans provide different levels of cover for phones, iPads, cameras and laptops.

Longer Cover

That’s right, we for longer. Most insurers limit their cover to twelve months, with TINZ you can get cover for up to 18 months with the ability to extend.

Cruise Cover

We’re on board with you and don’t charge any extra if you’re heading on a cruise throughout the year. With TINZ, you’re covered from ship to shore.

Fiji Traveller's Guide

Looking forward to an island getaway? With more than 300 islands, Fiji might be the perfect place for you. Check out our tips on making the most of your trip! 

 VISAS

New Zealand passport holders do not require a visa to visit Fiji, and you are granted a visitor's permit on arrival, which lasts for up to four months. You can apply when you're in Fiji to extend it to six months, or if you're planning to stay longer, you can apply for long-term visa in New Zealand.

 BEST TIME TO VISIT

July through August and December through January tend to be the busiest periods, as many New Zealand and Australian travellers visit during the school and university holidays, and over the Christmas and New Year breaks. February and March, June, October and November often offer travellers the best bang for their buck.

Summer (November to March) tends to be dominated by warm, wet weather - expect it to rain a lot! The drier season (May to September) is still warm enough for water activities, but the best time may be October and early November, with the weather starting to warm up but the rain and the tourists holding off.

 NEED TO KNOW TIPS

Bula means hello, vinaka means thank you, and you will hear those two all day long. Fiji is one of the friendliest places for tourists.

Machetes are common place, but don't be too worried. They are used frequently by workers, and are unlikely to indicate something sinister.

Sunday is church day. Fiji is highly Christianised, and most people go to church in their best outfits. Most shops are closed or have limited hours. Hinduism is also very popular, and visiting during Diwali or Holi mean you will be treated to fireworks.

 GETTING AROUND

Fiji is spread out over a huge area - more than 1.2 million square kilometres. While many islands look close enough together, travel between them often includes heading back to the largest island, Viti Levu, which acts as something of a central hub for trade and tourism. Pacific Sun, the domestic arm of Fiji Airways, dominates most of the local market. Mostly served by tiny twin engine planes, it is the quickest way to get around, and availability is rarely an issue. The baggage allowance is very small though! Northern Air, Turtle Airways and Fiji Seaplanes also operate a number of flights around Viti Levu and wider Fiji. 

Modern passenger catamarans or older ferries, which transport both people and vehicles are very popular options for seeing the larger and more populated islands.

With no rail, hiring a car, or catching the bus or taxis are popular ways to get around the largest islands. If you're planning to get out of the city and see the sights, hiring a taxi between a few people can be an affordable way to do it.

It is time to move forward together. Stronger for the bitter experiences we have shared, wiser for the suffering inflicted on us and more compassionate for having the capacity to forgive. For all its faults and cruelties, Fiji remains a country full of promise and hope simply demonstrated by the goodwill that has endured and the love we have for this land that is our home​.

  - Ratu Joni Madraiwiwi, Politician and Legal Scholar

 WHAT TO EAT

Seeing Fiji? It's all about the seafood. Try Kokoda, a fish marinated in lemon and other citris juices, and then mixed with chili, coconut, tomatoes and onions.  Or get stuck into some baigan valo, a steamed eggplant stuffed with fresh fish and topped with coconut cream. Otherwise, the classic fish soup, served in a coconut milk broth, is a hearty and simply dish that is easy to find. 

Around 40% of Fiji's population can trace their heritage to India, having arrived on mass in the 1800s. As such, Indian-style food is popular here, but a little lighter and more coastal in flavour.

Have a sweet tooth? Ditch the breakfast banana bread, and try a slice of coconut bread for breakfast. Alternatively, Purini is a kind of steamed pudding, often topped with custard or butter. 

 WHERE TO GO

With so many islands, you might find it best to visit just a few than trying to attend to them all.

While on the main island, stop in at Nadi and sample some of the our highlights, including the traditional crafts market, the Sri Siva Subramaniya Swami Temple, and the local curry house, aptly named Curry House. Located just outside the city is the perfectly landspaced Garden of the Sleeping Giant, and are an incredible showcase of Fiji's natural heritage. Between Nadi and Lautoka, the Sabeto Hot Springs and Mud Baths are a must-do immersion in Fijian culture. Want to check out an extinct volcano? Mount Tamanivi is Fiji's highest peak, and a popular attraction while in Viti Levu. Neighbouring Vanua Levu's east coast is Taveuni Island, aka Fiji's Garden of Eden. With most of the island protected with National Heritage Park listing, it is thick with rare plant and animal species and stunning waterfalls, including the 60-foot Tavoro Waterall.

 NEXT STOP!

Planning on heading elsewhere on your trip? Whether you're saying  'Hey!' to the USA , or you're chilling in  C hina , TINZ has you covered.

TRAVEL INSURANCE OPTIONS

With hundreds of surrounding islands, there is so much to explore on a Fiji holiday. Whether it's island hopping, cruising, snorkelling, scuba diving, or parasailing,  TINZ has the extra cover you’re looking for.

DOMESTIC TRAVEL

Travelling around New Zealand as well? Our domestic policies include rental vehicle excess, cancellation and luggage cover while in New Zealand.

INSURANCE FOR CRUISING

Cruising around the Pacific? Good news - cruising is automatically covered with all TINZ policies. 

Adventure Activities

If you feel like picking up the pace, there are plenty of adventure activities to get your wet your appetite in Fiji.  Be sure to explore our sports and activities pack.

GROUP BOOKINGS

We apply an automatic discount for groups of 2 or more, with big savings for groups of ten or more.

Specific Items

Travelling with something that you can't live without? You may be able to list it as a specific item on your policy so you can insure it for its full value.

PRE-EXISTING MEDICAL CONDITIONS

We cover 35 conditions automatically, and offer online medical screening forms to customers who have additional conditions, so you can find out straight away if we can cover you.

FREQUENT TRAVELLER TRAVEL INSURANCE

Longing for island living? If you’re planning several island hops this year, a frequent traveller policy can save you time and money.

Travellers 64 and under can choose a frequent traveller policy of up to 15 days, or up to 90 days maximum trip duration, so you can leave New Zealand as many times as you'd like in one year. Choose Asia Pac if you're staying close to home, or limited worldwide or worldwide if there's a whole lot of world you'd like to see this year.

FIJI TRAVEL INSURANCE  FAQs

At TINZ, provided you were acting with reasonable caution we would cover you for any unfortunate accidents or illnesses that force you to seek emergency health care. Read on to find out more.

Q. Am I covered to ride a motorbike or scooter?

Yes, so long as you wear a helmet (regardless of whether you are the driver or riding pillion) and hold a valid license that is recognised in Thailand. If you were to sustain an injury while riding a motorbike or scooter you’d be covered provided you abide by the above.

Q. Am I covered in the event of a terror attack?

Unlike most insurers we don’t exclude terrorism . If you’re caught up in an act of terror, we’ll pay for your flight home, cover your medical costs and in some cases, reimburse you for trip cancellation . See Policy Document for further details.

Q. Am I covered for activities and water sports?

At TINZ we cater to those with a taste for adventure. Many of the activities in Fiji revolve around water sports (it is an island after all!). We cover a wide range of adventure sports such as diving (max depth 30 metres), snorkelling, parasailing and jet skiing and more. Click to see what activities we cover.

Q. Am I covered in the event of a volcanic eruption or other natural disaster?

In the event that you are affected by an unforeseen natural disaster (and have bought a comprehensive policy), you would be covered for travel disruptions, additional accommodation expenses and lost deposits. However, in order to be covered you would need to have purchased a policy before news of the natural disaster hit the mainstream media.

Q. Am I covered for food poisoning, Malaria or Dengue fever?

As Fiji is a developing country there are medical risks you may be at risk of contracting.. However, you can be rest assured that all our policies cover you for unlimited medical benefits if you were to fall ill. This includes access to hospitals, ambulance, doctors and evacuation and repatriation home if required.

Q. How do alcohol and drugs affect my cover?

When it comes to alcohol we understand that for some, there’s no better way to kick off a holiday than with a poolside cocktail (or two). However, please note we may exclude any claims where excessive drugs or alcohol have been involved.

Q. Am I covered for pickpocketing?

Yes- you’re covered for muggings provided of course, you were acting with reasonable care (i.e. did not leave your belongings unattended). If you’re the victim of a pickpocket (even of the cheeky monkey variety), you’d be covered for loss, theft and damage to your luggage and personal effects. If you are robbed it’s important that you get a police report and contact us as soon as possible.

Q. Is my IPad, SLR camera or laptop covered?

Technically speaking, yes. Bear in mind the most we will pay for individual single items is $1,000, and $3,000 for personal computers, video recorders or cameras. If you are taking particularly expensive items on your holiday – make sure they are covered! Even if you’ve purchased our Comprehensive Plus plan (with a benefit amount of $25,000 for luggage and belongings), single limits apply, so you would not be covered for a single item worth $25,000.

Q. What is a dependant?

A dependant refers to your child or grandchild not in full-time employment under the age of 19 and travelling with you on your journey.

Q. What do you mean by ‘family’?

At TINZ we define ‘family’ as your spouse or partner and your dependent children or grandchildren. Your family members would need to be travelling with you at all times and must be named on your Certificate of Insurance.

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Travel insurance for Fiji

Coral beaches, lazy palms and vivid reefs under turquoise water; there are few places in the world that does tropical perfection like Fiji. The country offers adrenaline-pumping activities and serene relaxation in equal measure, making it a favourite for families, honeymooners and everyone in between.

However, travellers should remember that travelling to Fiji presents a number of dangers. Cyclones, reef scratches, and even food poisoning after a bad buffet meal can all threaten to turn your tropical getaway into a holiday to forget.

Great travel insurance is essential to protect yourself on holiday, and understanding what you’re covered for is the best way to avoid unexpected costs.

Does my policy cover tropical cyclones?

Fiji is vulnerable to tropical cyclones, which usually occur around once per year between November and May. Unfortunately, these storms are often severe, causing significant damage and loss of life. Tropical cyclones also play havoc with airline schedules, and even relatively minor storms can leave travellers stranded due to flight cancellations.

If you’re visiting Fiji during the summer months when cyclones are most likely to occur, it’s important that you carefully monitor weather forecasts when planning your trip.

If your prepaid travel arrangements (such as flights, accommodation and excursions) need to be changed or cancelled because of an unexpected natural disaster in Fiji, and your insurance started before the event occurred, there is cover under the International Comprehensive policy if you need to cancel or change the dates of your prepaid travel plans.

If you are stuck overseas for more than 12 hours because your flight has been delayed or cancelled due to the unexpected event, we can cover the cost of any additional equivalent expense type, included scheduled transport and accommodation and living expenses incurred while you are waiting to return home.

If your insurance started after the natural disaster has occurred, you won’t be covered for any alteration costs incurred as a result of the natural disaster, such as cancelling or changing your original flight. However, you will still be covered for other unexpected events in accordance with your policy, such as having your personal belongings stolen or injuring yourself overseas.

Am I covered for medical emergencies and hospital bills?

Whether you plan on exploring world-class dive sites, hidden trails, or just the activities on offer within the resort, your Fijian holiday will be packed with adventure. Popular tourist areas like the Mamanuca Islands, the Yasawa Islands, the Coral Coast and Denarau each offer a number of water sports, like water skiing, surfing, diving, snorkelling, paddle boarding, jet skiing and parasailing.

If you’re getting out of your comfort zone, keep in mind that medical facilities in Fiji are not up to the same standard as in Australia. Travellers should take particular care when visiting the more remote islands in Fiji, where emergency facilities are limited to the basic healthcare offered by resorts.

In serious cases, emergency repatriation to Australia may be required, which is extremely expensive for uninsured travellers. Some of our  highest claims  have resulted from emergency repatriation by air ambulance. 

Does my insurance cover extreme sports in Fiji?

We understand that extreme activities are all part of an unforgettable holiday in Fiji, which is why our International Comprehensive policy insures you for unlimited medical expenses and evacuation if required.

However, our policy doesn’t cover you for certain activities, like kitesurfing. For other activities like parasailing, you are only covered if you participate with a licensed operator. If you’re scuba diving in Fiji, it’s essential that you hold an open water diving certificate or are diving with a qualified instructor.  

Are my phone, laptop and camera covered if they’re lost, stolen or damaged?

Fiji is regarded as a safe and welcoming holiday destination where pickpocketing and petty theft aren’t great concerns. However, there have been incidents of  scammers and thieves targeting tourists  in the cities of Nadi and Suva.

We understand how frustrating an incident like theft can be on your otherwise perfect tropical holiday, which is why our International Comprehensive policy covers you for lost, stolen, or damaged personal items resulting from an unexpected event.

How to avoid getting sick in Fiji

Unfortunately, Fiji has a growing reputation as a high-risk destination for food poisoning as a result of a few  unlucky travellers becoming seriously ill . While most of the resorts offer high quality, fresh and safe food to guests, it only takes one raw prawn to send you running for the bathroom.

If you’re eating from the resort buffet, you should use your best judgement to avoid contaminated food. To avoid food poisoning from the buffet, remember to:

• Eat fresh and well-cooked food
• Avoid hot meals that have gone cold, and cold meals that have gone warm
• Ensure you use clean and dry serving utensils
• Avoid buffets without sneeze guards protecting the food from other guests

What you need to know

This page includes some information about our products but, as with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant policy documents to ensure our travel insurance products are right for you.

You can find the relevant documents for all our policies here:  International Comprehensive , Annual Multi-trip ,  Domestic ,  Working Overseas ,  Visiting New Zealand ,  International Student  

We're here to help

We know how important it is to be able to talk to someone when you need help, that’s why we are available via email, phone and live chat Monday to Friday, 8.30am - 7pm, and Saturday, 9am to 6pm, excluding public holidays. And if you find yourself in a medical emergency our Emergency Assistance team are available 24/7 to help, wherever you are in the world.

Get in touch with the team and we'll be happy to help.

Call us Monday to Friday, 8.30am - 7.00pm.

You can reach our team on: +64 9 979 6593

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Travel insurance for Fiji

Coral beaches , lazy palms and vivid reefs under turquoise water; few places in the world do tropical perfection quite like Fiji. The country offers adrenaline-pumping activities  and serene relaxation in equal measure, making it a favourite for families, honeymooners and everyone in between.

However, travellers should remember that a tropical holiday can present several dangers, which is why travel insurance for Fiji is so important. Natural disasters like cyclones, adventure mishaps like scratches from a coral reef, and even food poisoning after a bad buffet meal can all threaten to turn your Fijian getaway into a holiday to forget.

Great travel insurance is essential to protect yourself on holiday, and understanding what you’re covered for in Fiji is the best way to avoid unexpected costs.

Get a travel insurance quote

Things to know about travel to Fiji and COVID-19

Thankfully, Fiji managed to keep COVID-19 cases relatively low throughout the pandemic due to firm restrictions including those on international travel. Fiji re-opened its borders to international visitors on December 1st, 2021, with a number of travel requirements:

Fiji COVID-19 travel requirements for Australians

For up-to-date information on Fiji’s current COVID-19 entry requirements, we recommend visiting the Fiji Travel website.

COVID-19 and travel insurance: What am I covered for?

Whether it’s a cancelled event, a delayed flight or any other changes to your itinerary, disruptions due to COVID-19 can be frustrating on holiday. So when it comes to travel insurance, does your policy include cover for COVID-19 ?

Here are some frequently asked questions about COVID-19 and travel insurance:

What should my travel insurance policy for fiji include.

A holiday to Fiji offers everything from heart-pumping adventure to resort relaxation. However, you plan to enjoy the country, a comprehensive travel insurance policy for Fiji is the best way to protect yourself and your family from the unexpected.

Tropical cyclones in Fiji

Fiji is vulnerable to tropical cyclones, which usually occur around once per year between November and May. However, in some years like those experiencing La Nina weather patterns, the chance of tropical cyclones can significantly increase.

Unfortunately, storms in Fiji are often severe, causing significant damage. Tropical cyclones also play havoc with airline schedules and even relatively minor storms can leave travellers stranded due to flight cancellations.

If you’re visiting Fiji during the summer months when cyclones are most likely to occur, it’s important that you carefully monitor weather forecasts when planning your trip.

Does my travel insurance cover natural disasters like tropical cyclones?

If your prepaid travel arrangements (such as flights, accommodation and excursions) need to be changed or cancelled because of an unexpected natural disaster in Fiji, and your insurance started before the event occurred, our International Comprehensive policy can offer cover if you need to cancel or change the dates of your prepaid travel plans.

If you are stuck overseas for more than 12 hours because your flight has been delayed or cancelled due to an unexpected event, our International Comprehensive policy can offer cover for any additional equivalent expense type, including scheduled transport and accommodation and living expenses incurred while you are waiting to return home.

If your insurance started after the natural disaster has occurred, you won’t be covered for any alteration costs incurred as a result of the natural disaster, such as cancelling or changing your original flight. However, our International Comprehensive policy can still offer cover for other unexpected events in accordance with your policy, such as having your personal belongings stolen or injuring yourself overseas.

Am I covered for medical emergencies and hospital bills in Fiji?

Our international travel policies offers unlimited cover for medical treatment and evacuation. Our emergency assistance team is also available 24/7. In Fiji the main centres and larger islands have medical centres and hospitals, however on more remote islands, healthcare facilities are often limited to the basic healthcare offered by resorts.

Does my insurance cover adventure sports in Fiji?

We understand that adventure activities are all part of an unforgettable holiday in Fiji, which is why our international travel policies offer cover for many adventure activities in Fiji.

Our policy doesn’t cover you for certain activities, like kitesurfing. For other activities like parasailing, you are only covered if you participate with a licensed operator. If you’re scuba diving in Fiji, it’s essential that you hold an open water diving certificate or are diving with a qualified instructor.  

Activities which are excluded under the policy can be found under General Exclusions in your  policy document .

Is there cover for lost, stolen and damaged valuables in Fiji?

While Fiji is a safe and welcoming destination for Aussie travellers, your travel insurance should protect your valuables from loss, theft and damage. Whether it’s a stolen phone or a GoPro lost on the reef, our International Comprehensive policy offers cover for your lost, stolen, or damaged personal items resulting from an unexpected event. 

Travel insurance for cancellations and delays in Fiji

We know that even the best-laid plans can change, which is why our International Comprehensive policy offers cover for changes to your journey before and after you leave. 

For example, if your trip to Fiji is cancelled or changed due to an illness before you depart Australia, your policy offers cover for cancellations fees and prepaid travel costs.

If the unexpected happens during your holiday in Fiji, your policy offers cover for transport, accommodation, meals, activities and tour costs if you cannot reach your next destination on time, or if you need to cut your trip short and return to Australia.

Travel insurance that offers quality cover for cancellations and delays, including cover for COVID-19 , has never been more important.

How to avoid getting sick in Fiji

Like any destination, there’s always a chance you might fall ill with food poising in Fiji. If you’re eating from the resort buffet, you should use your best judgement to avoid contaminated food. To avoid food poisoning, remember to:

• Eat fresh and well-cooked food
• Avoid hot meals that have gone cold, and cold meals that have gone warm
• Ensure you use clean and dry serving utensils
• Avoid buffets without screen guards protecting the food from other guests.
• Stick to bottled or boiled water

Fiji travel insurance exclusions

While comprehensive travel insurance is essential to keeping you and your family safe in Fiji, it is unlikely that you’ll find a policy that covers you for everything. So what won’t your Fiji travel insurance cover you for?

Pre-existing medical conditions (PECs)

Pre-existing medical conditions (PECs) aren’t automatically covered under travel insurance, however, they can be added as extras when buying your policy.

At SCTI, we have a list of PECs that you must declare when organising your travel insurance, and a few definitions that you should be aware of if you’re travelling with health conditions. Find out what you need to do to seek cover for your PECs.

If you’d like some advice on how your pre-existing medical conditions might affect your Fiji travel insurance, please don’t hesitate to email us at any time or connect with one of our insurance experts on 1800 196 484 .

Other Fiji travel insurance exclusions

Pre-existing medical conditions aren’t the only thing that may not be covered under your Fiji travel insurance. You won’t be covered if:

• You’re participating in adventure activities with an unlicensed tour operator, such as diving, parasailing and white-water rafting.
• You’re riding a moped or motorbike and you haven’t added this as an extra on your travel insurance policy.
• You’re sailing more than 22.2 kilometres (12 nautical miles) from populated land.
• A natural event occurred before the start date of your insurance and causes disruptions to your travel plans.

We're with Aussies in Fiji

We love hearing positive feedback from our happy travellers and we’re humbled to have helped thousands of Aussies enjoy their Fijian adventure to the fullest. Here are just a few customer stories shared on Product Review : 

Fiji travel insurance FAQs

Do i need travel insurance to enter fiji.

Yes, it’s mandatory for Australians to have travel insurance that includes cover for COVID-19 to enter Fiji.

Is it safe to travel in Fiji?

Fiji has a reputation as a safe and welcoming country for travellers. However, Australians should take the regular precautions with their valuables in more crowded areas like markets, and also take care when participating in adventure activities. Stay up to date with current travel advice on the Smart Traveller website .

How much does travel insurance for Fiji cost?

The price of your Fiji travel insurance will depend on several factors, including:

• How many people are on the policy
• How long you’re travelling for
• Whether you’re visiting other countries as well as Fiji
• Whether you have any pre-existing medical conditions
• Whether you have any high-value items to add to your policy
• Whether you add cover for moped or motorbike riding.

Get a quick online travel insurance quote

What’s the best travel insurance for Fiji?

Fiji is regarded as a safe destination for all kinds of travellers, including solo adventurers, families and everyone in between. However, it’s important to get a travel insurance policy that will keep you and your belongings safe. 

The best travel insurance for Fiji should provide comprehensive protection for things like:

• Medical emergencies
• Lost, stolen and damaged valuables
• Natural disasters
• Cancellations and changes to your trip
• Rental vehicle excess.

Does travel insurance cover cyclones in Fiji?

Your travel insurance should include cover for natural disasters including cyclones, which often impact Fiji and surrounding Pacific nations. Our International Comprehensive policy offers cover for cancellations and changes to your journey due to natural disasters that occur after your start date of insurance.

What you need to know

This page includes some information about our products but, as with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant Financial Services Guide (FSG), Product Disclosure Statement (PDS) and  Target Market Determination (TMD)  to ensure our travel insurance products are right for you.  

You can find the relevant documents here:  International Comprehensive , Annual Multi-trip ,  International Medical Only , Working Overseas ,  Domestic . 

We're here to help

We know how important it is to be able to talk to someone when you need help, that’s why we are available via email, phone and live chat Monday to Friday, 8.30am – 5pm, and Saturday, 7am to 4pm (AEST), excluding public holidays. And if you find yourself in a medical emergency our Emergency Assistance team are available 24/7 to help, wherever you are in the world.

Got a question? We have lots of quick answers here.

Get in touch with the team and we'll be happy to help.

Call us Monday to Friday 8.30am to 5.00pm (AEDT).

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Fantastic  Fiji

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Whether you're sunning it up in Suva or exploring the iconic islands, our Fiji travel insurance policy will cover you for unforeseen holiday hiccups.  Zoom travel insurance covers you for trip cancellation, natural disasters, lost luggage, family emergencies and more! What are you waiting for? Zoom to it!

WHY BUY WITH ZOOM

emergency assistance

No matter where you are, we're there when you need us most. Our expert emergency assistance is available 24 hours a day, 7 days a week.

riding a scooter

At Zoom, you're covered to ride a motorbike or scooter of any engine size provided you are licensed to do so in New Zealand!

COVER for your luggage

Your stuff is precious and we get that. Take off on your Fiji foray knowing your luggage is protected with Zoom.

Adventure activities

Whether you're diving off Denarau or zip-lining through Fiji's forests, get cover for your fast paced activities with our adventure pack.

kids go free

Family trip to Fiji? Save your pennies as all dependants under 19 are included under your policy at no additional cost. Say what!?

Pregnancy cover

Planning a Fiji escape before your new addition arrives? You can relax knowing you'd be covered all the way up to week 24 with no fuss.

easy claims

We've done away with lengthy forms and have kept our claims process simple. We guarantee to assess fully documented claims in a flash.

Peace Of Mind

Zoom to Zen. You can sit back and relax on your holiday knowing that you’re covered by award winning travel insurance.

FIJI TRAVEL INSURANCE  FAQ'S

Am i covered in the event of a natural disaster.

Yes, in the event that your holiday is directly affected by an unforeseen natural disaster you would be covered for cancellation, travel disruptions, additional accommodation expenses and lost deposits, depending on the plan that you purchased. However, in order to be covered you would need to have purchased a policy before news of the natural disaster hits the mainstream media.

Am I covered if I hitchhike in Fiji?

Hitching a ride isn't entirely safe in any country and we don’t recommend it.  However, with Zoom, you are covered for hitchiking provided it is legal for the country through which you are travelling. Standing at the side of the road with your thumb-out would be unexpected behaviour in Fiji.  However hitching a ride on a carrier truck on the main islands is common, particuarly with the locals.  You will often find a carrier driver with a few spare seats drive along the bus route asking if anyone needs a lift.  If you jump onboard, note that he's expecting you to pay the bus fare. The main benefit being that once the van is full, he doesn't make any more stops, so the ride is quicker than the bus. Remember to keep a good handle on your belongings though. Leaving your stuff behind on transport is considered unattended and wouldn't be covered.

Am I covered for dengue fever?

As Fiji is a tropical country, it is a high risk area for mosquito borne illnesses such as Dengue. If you fall ill while on vacation your Zoom travel insurance policy will make sure that you are able to get the medical care you need. You will be covered for Unlimited medical expenses whilst overseas.  This includes access to hospitals, ambulance, doctors and evacuation and even repatriation home if required.

How do alcohol and drugs affect my cover?

When it comes to alcohol we advise you to drink in moderation. Please note that we may exclude any claims where excessive drugs or alcohol have been involved.

Am I covered for adventure activities?

We automatically cover a wide range of adventure sports including diving, bunjee jumping and horse riding and more. You can also buy our Adventure Pack to cover additional adventure sports. 

I have high value items; how much can I insure them for?

If you have an expensive item that you just can’t leave behind you can insure it separately for up to $5,000. Please note that high value item cover is only available under our comprehensive plan .

Am I covered for muggings or pick pocketing?

Yes, you’re covered for muggings provided of course, you were acting with reasonable care (i.e. did not leave your belongings unattended). If you’re the victim of a pickpocket or bag snatching, you’d be covered for loss, theft and damage. Muggings are more common at night, particularly in Suva so keep your wits about you.  If you are robbed it’s important that you get a police report and contact us as soon as possible.

What is a dependant?

This means your dependant children or grandchildren under the age of 19 at the date of policy issue who are travelling with you.

FIJI TRAVEL  QUICK GUIDE

Fiji is a favorite island holiday for New Zealanders.   Surrounded by vivid coral reefs, sun-drenched beaches, turquoise lagoons, and the sounds of swaying palm trees, it's not hard to understand how this island paradise has gained it's popularity. With over three hundred islands to choose from, Fiji is a beautiful destination fit for a canoodling couple seeking isolation or a family of five seeking fun in the sun. Whether you're sipping cocktails from coconuts, snorkelling, scuba diving or swimiming with dophins, Zoom travel insurance has a plan suitable to cover your Fijian adventure.    Compare Zoom's Travel Insurance plans  for your Fiji holiday today.

VISAS FOR FIJI

Getting around, best time to visit , where to go, must know tips, zooming elsewhere.

Are you planning to zoom somewhere else on your holidays? Whether you're holidaying to terrific Thailand or sassy Singapore , we've got plenty of helpful advice on other popular travel destinations to check out. What are you waiting for? Zoom to it!

Zoom travel insurance offers simple, flexible travel insurance for maximum peace of mind no matter where you're zooming to.

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Travel Insurance For Vietnam: Everything You Need To Know

Updated: Apr 26, 2024, 11:14am

Table of Contents

Do australians need travel insurance for vietnam, what does travel insurance for vietnam cover, frequently asked questions (faqs).

Vietnam is an increasingly popular travel destination for Australians, with the country even hoping to encourage more Aussies to visit by potentially waiving visa requirements in due time.

The Southeast Asian country is set to be high on the list for Aussies going overseas in 2024. The number of Australian tourists in Vietnam now exceeds pre-pandemic levels: more than 317,000 Australians visited Vietnam in 2019 , while there were 390,000 Aussie visitors in 2023.

Plus, as more and more flights become available, such as low-cost carrier Vietjet Air launching a direct service between Hanoi and Melbourne earlier this year, getting to Vietnam is becoming easier for Australians.

If the direct flights, fascinating history, vast scenery and delicious food aren’t enough to convince Australian travellers, the cost may be. Vietnam is considered one of the cheapest travel destinations in the world for Australian tourists due to our strong conversion rate against the Vietnamese Dong and the nation’s low cost of living in comparison to our own.

And while cheap thrills may be what you’re after on your vacation, it’s important not to skimp on the necessities that may cost that little bit extra—such as travel insurance. This guide outlines what you need to know regarding travel insurance in Vietnam.

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Investing in travel insurance is a good idea for any overseas trip. Travel insurance policies can help protect you from having to dive deep into your pockets, with many offering unlimited medical treatment while abroad and cancellation cover for your trip should the unexpected occur.

Travel insurance is not just handy for medical purposes or travel changes, either. Your personal items can be covered, should any baggage go missing or an important item be stolen—which, unfortunately, often occurs in Vietnam.

Smarttraveller warns Australians to be alert at all times in Vietnam, considering petty theft–including bag slashing–is common in tourist areas and crowded places, especially during holiday times. Snatch-and-grab theft by thieves on motorcycles is also common, the website states.

Like most international travel insurance policies, you will be able to find basic coverage for your trip to Vietnam, or choose to opt for a more comprehensive, albeit more expensive, policy.

While a basic policy will often cover medical expenses and lost luggage,a comprehensive policy includes a lot more. Most basic policies also likely won’t offer compensation for travel delays, stolen cash, accidental death and more.

Additionally, if you are going on a trip to multiple countries within the year, it may be worth opting for an ‘annual multi trip’ insurance instead—making sure that there are no exclusions to the regions you are wishing to visit.

Visa Requirements For Australians Travelling to Vietnam

You’ll still be allowed to travel to Vietnam if you don’t invest in travel insurance, but you do so at your own risk—and, as stated, it is highly advised to have a travel insurance policy for any overseas trip.

However, what you cannot do is enter Vietnam as an Australian tourist without a tourist visa. While Vietnam will grant Australian citizens visas on arrival, applying for one online is much easier.

A tourist visa costs under $100 AUD; however the exact price depends on your length of stay.

The Vietnamese government may consider waiving visas for Australian citizens, especially since many other SEA countries have done so such as Indonesia and Thailand .

However, at the time of writing, Forbes Advisor Australia has confirmed that Australian citizens must still obtain a visa to visit Vietnam for tourism purposes.

The exact inclusions of your travel insurance will be dependent on your personal policy and the provider.

However, generally speaking, you can expect a travel insurance policy for Vietnam to offer some level of cover for:

• Medical expenses;
• Lost, damaged or stolen luggage;
• Travel cancellations or delays ;
• Personal liability;
• Credit card fraud;
• Covid-19 expenses;

If you are partaking in certain sports and activities, you will need to make sure that you choose a policy that covers them. You’ll also need to make sure that your policy covers any pre-existing medical conditions as well.

Plus, if you are travelling with valuables, you may wish to opt for a policy that lets you increase the protection cover on your items.

Ultimately, you need to consider what your trip consists of, what you will be taking with you, and your physical health to establish what policies would be appropriate for you.

From there, you can compare quotes of different policies and providers to ensure you have the optimal—yet affordable—cover for your trip to Vietnam.

Does Travel Insurance Cover The Ha-Giang Loop?

Considered one of the most scenic motorcycle routes in the world, the Ha-Giang Loop is a popular tourist activity in Vietnam for adventurous travellers. If the Ha-Giang Loop is one of your goals, you’ll need to make sure you have travel insurance that covers motorcycling.

Occasionally a policy may include this as one of their included ‘sports and activities’, but it is more often the case that you will need to purchase an additional ‘adventure pack’ that is either specific to, or includes, motorsports.

Even so, when purchasing an additional pack to cover motorbikes, you need to be cautious of the conditions. For example, some policies will only cover motorcycle riding if the bike you are riding has an engine under a certain size.

Often, coverage will cease and claims won’t be accepted if you haven’t been wearing the correct safety equipment such as boots and a helmet, or have been under the influence of drugs and alcohol.

What Does Travel Insurance Exclude?

Your travel insurance policy may exclude some activities that you wish to partake in, unless you can opt-in to purchase an additional adventure pack as explained above in regards to motorbike riding.

Just like with the inclusions of a policy, the exclusions depend on what type of policy you choose, and what provider you go with.

Commonly, however, you won’t be covered for instances where you:

• Break the law;
• Are under the influence of alcohol or drugs;
• Partake in an excluded activity;
• Receive medical treatment for a pre-existing condition that was not disclosed;
• Travel to a ‘Do Not Travel’ destination as outlined by Smarttraveller.

As always, it is essential to read the product disclosure statement (PDS) of your travel insurance policy carefully to understand what you will and won’t be covered for while overseas.

Do I need a visa to travel to Vietnam?

Yes, as of April 2024, Australian tourists still need a visa to travel to Vietnam. This visa can be obtained on arrival, or purchased online prior to travel. The visa takes approximately three days to process online, and the cost depends on how long you intend to stay in the country.

Does international travel insurance cover Covid-19?

Many comprehensive travel insurance policies now cover Covid-19, including medical conditions related to Covid-19 or trip cancellations due to a Covid-19 diagnosis. However, it is not guaranteed that all policies will. It’s important to check your policy’s PDS carefully to understand what it will and will not cover in regards to Covid-19 for both you and your travelling companions.

Related: Travel Insurance And Covid: Are You Covered?

How much does travel insurance cost for Vietnam?

The cost of your travel insurance for a trip to Vietnam will depend on your age, your health, the activities you wish to partake in, and the length of your stay.

For example, for a 34 year old with no pre-existing medical conditions travelling to Vietnam for two weeks, a policy from some of our top choices for comprehensive travel insurance would cost around $130 (based on quotes from Cover-More , 1Cover , and Fast Cover ).

The prices of these quotes would change depending on a chosen excess, cancellation cover, and any additional coverage options you may choose to purchase such as adventure packs or cruise cover.

Related: How Much Does Travel Insurance Cost?

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Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.