Why take out travel insurance for Fiji?
While Fiji is often described as a tropical paradise, it can also be home to devastating natural disasters like cyclones, flooding, landslides, earthquakes and tsunamis. If your trip is delayed or cancelled outright due to one of these disasters, travel insurance may be able to help with the costs.
Due to its tropical climate, Fiji is also a popular spot for those engaging in water activities, like snorkelling, jet skiing, and paddleboarding. While these activities can be fun, they can also lead to serious injuries. If the worst happens, emergency medical standards in Fiji aren’t as high as in Australia and you may need to be flown home for treatment. If you don’t have travel insurance, you’ll likely need to pay for these costs out of pocket.
How to choose the right travel insurance for Fiji?
There’s no one-size-fits-all when it comes to travel insurance. The right policy for you will depend on your needs and what you plan to do on your trip.
For example, when comparing travel insurance with Canstar, you can search for policies that cover you for travel to Fiji. Canstar's tools let you compare the limits each policy provides for overseas medical and hospital cover, cancellations, lost or stolen luggage, and rental car excesses.
You can also filter your results to show policies with options tailored to your trip. For example, if you plan on taking a cruise while in Fiji, cover for this may not be standard and may need to be added on to your policy. If you have pre-existing medical conditions you wish to be covered, you can also filter for providers that allow for a medical assessment.
Do I need travel insurance for Fiji?
Travel insurance isn’t a requirement for entry into Fiji, but it’s highly recommended.
A comprehensive policy can cover you for a variety of things, like emergency medical evacuation and treatment, stolen or lost luggage, and trip cancellation and delays. It can also offer you peace of mind that if the worst happens on your trip, you’ll be financially covered to some degree.
What does travel insurance for Fiji cover?
- Medical and dental emergency: Hospital admission, emergency care, and medical evacuation.
- Lost or stolen luggage: Can cover the cost of replacing luggage and travel documents like passports.
- Trip cancellation and delays: Cancellations may be covered due to illness, accident, or a natural disaster at home or at your intended destination. Depending on your policy, you may also be covered for travel delays.
- Legal liability: If you break a local law and need a lawyer/interpreter.
- Optional extras: Some policies offer a variety of useful extras like cover for rental vehicle claims, water and other adventure sports, kennels and catteries for your pets at home, and even cover if you suffer a loss of income or a permanent disability while overseas.
- Repatriation: If tragedy strikes while you’re away, repatriation covers the cost of flying your body and belongings back home to Australia. Some policies also include a separate sum for funeral expenses.
What does travel insurance for Fiji not cover?
Your travel insurance policy won’t cover everything that happens to you while travelling in Fiji. There are a number of common exclusions, as well as things that could void your cover, such as:
- Riding without a helmet: Travel insurance will not cover you if you’re found to be riding a bicycle, motorcycle, moped etc. without a helmet.
- Being under the influence: Claims relating directly to alcohol, drugs or incidents befalling travellers under the influence will likely not be covered.
- Pre-existing medical conditions: Pre-existing medical conditions can sometimes be covered as standard or at an additional cost, but there may be situations in which you won’t be offered cover at all. An exclusion will also apply if you make a claim related to a pre-existing medical condition that wasn’t covered by your policy.
- Failing to report stolen items or leaving them unattended: Leaving your possessions unattended will often void your cover. In the event your possessions are lost or stolen, you’ll need to report the loss to local authorities, generally within 24 hours, and then inform your insurance provider as soon as possible.
Can you get scuba diving insurance for Fiji?
Generally, standard travel insurance policies don’t include cover for certain higher-risk water sports like scuba diving, jet skiing, and whitewater rafting. Cover for these activities is often an optional extra that can be added to the policy. This will likely increase the premium you’ll have to pay, but may be worth the peace of mind knowing you’re covered in the unfortunate case you suffer an injury.
Some policies may also have safety requirements to be eligible for coverage, such as the wearing of approved and maintained equipment or only diving in certain areas with a licensed guide or instructor. Failure to meet these requirements may result in claims being denied and/or your cover being voided.
What does travel insurance for Fiji cost?
At the time of writing, the average cost of travel insurance premiums is $166 for a traveller aged 30, on a 14-day trip to Fiji (based on a selection of international policies rated in Canstar's 2025 Travel Insurance Star Ratings & Awards, November 2025, calculated October 2026). Prices for policies will vary depending on your age, the provider and level of cover and inclusions that you need. You can compare travel insurance with Canstar to find cover that suits your particular needs and budget.
What are some of the risks you could face in Fiji?
Although Fiji is generally a safe place for tourists, there are a few risks you should watch out for when venturing to the islands:
Natural disasters
Fiji experiences a cyclone season between November and April each year, but can also be affected by flooding, landslides, earthquakes, and tsunamis. To stay on top of weather warnings, you can visit the Fiji Meteorological Services website.
Theft and crime
Crime in Fiji can include theft, robbery, and assaults, especially in urban areas and at night. If you or one of your travelling companions is the victim of a crime, call 917 for the police.
Sickness and injury
If you require emergency medical help, call 911.
Here are a few other things to keep in mind when visiting Fiji:
- Drink boiled water or bottled water with sealed lids and avoid ice cubes and raw and undercooked foods.
- Protect yourself against mosquito bites, as there are risks of mosquito-borne illnesses like dengue fever, chikungunya and Zika viruses.
- Stay away from flooded rivers and creeks and make sure to wear footwear when outside, as cases of leptospirosis and typhoid can occur.
