Fiji Travel Insurance

The 1 Thing You Need, When 1 Thing Goes Wrong In Fiji.


Travel Alerts: 

Before you buy, please read our travel alerts.

"Exceeded all expectations with 5 star service and exceptional level of care"
— Sean Mar 17, 2021

Why Do I Need Travel Insurance In Fiji?


Cost of an air ambulance from Fiji to New Zealand.


Helicopter evacuation from remote areas in Fiji.


Cost of repatriation on a plane from Fiji to New Zealand.

And Did you know...?

  1. 1.  Many people think the government will pay their medical bills overseas. But if you get sick in Fiji, you’ll need to pay for everything, including hospital visits, medicine, and even medical evacuation.
  2. 2.  Tropical cyclones are unpredictable and Fiji has been hit hard in recent years. The 2015/16 cyclone season was the deadliest on record.
  3. 3.  In 2017, 70 people died on Fiji’s roads, and thousands more were injured.
  4. 4.  In 2017/18, 1 in 6 claims made by 1Cover Fiji policyholders were for lost/damaged luggage and personal belongings.

Travel insurance can't prevent things from happening. But if you have 1Cover, you'll have someone there when one thing goes wrong. Keep reading to find out everything you need to know about travel insurance for Fiji.

What Are My Travel Insurance Options For Fiji?


Option 1


This is our highest level of cover.


Option 2

Medical Only

For medical expense coverage only.


Option 3

Frequent Traveller

If you travel more than once a year.READ MORE

We've provided an outline for each of the options below. If you need more information or need to view the terms and conditions, please take a look at the Policy Wording, or get an instant quote now.


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Option 1: Comprehensive Cover


Comprehensive Travel Insurance is our highest level of cover, with optional add-ons for cruise, extra rental vehicle excess, and high-value items.

If you have pets, we include vet fees if your pet gets sick while you're away, and we'll pay pet boarding fees if you're delayed. 

For a detailed outline of benefits and inclusions, as well terms and conditions, please refer to the Policy Wording, or get an instant quote now.

Fiji Travel Insurance Policy Benefit Overseas Single-Trip
medical Cover 

Overseas Emergency Medical Assistance^


Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^


Resumption Of Journey^*


Hospital Cash Allowance^*


Accidental Death*


Permanent Disability^*


Loss of Income^*


luggage Cover 

Credit Card Fraud & Replacement^


Includes Travel Documents & Traveller's Cheques^


Theft Of Cash^#


Luggage & Personal Effects*


Luggage & Personal Effects Delay Expenses^


cancellation Cover 

Additional Accommodation & Travel Expenses*


Includes Family Emergency*


Includes Emergency Companion Cover*


Cancellation Fees & Lost Deposits*


Disruption Of Journey*


Alternative Transport Expenses^


ancillary Cover 

Personal Liability#

$5 million

Domestic Pets^*


Domestic Services^*


Rental Vehicle Insurance Excess#*



Choose Add-ons For your Comprehensive cover

If you’re travelling with expensive new items, going cruising, hitting the ski slopes, or you're worried about car rental insurance excess, then you may want to select the following add-ons. 

Cruise Pack

Protect yourself while cruising the waters of Fiji with our Cruise Pack add-on.

Rental Vehicle
More cover for your
rental vehicle

We automatically cover rental excess up to $5,000. But you can increase this up to $8,000 if you need to.

High Value Items
High Value Items Cover 

Protect high-value items that are not automatically covered by your policy. Note: items cannot be older than 12 months.


Option 2: Medical Only Cover

If you're travelling on a budget, and looking for cheap travel insurance to Fiji, then 1Cover’s Medical Only policy offers a cheaper alternative to comprehensive travel insurance. It's our most basic policy and will only provide cover for any medical expenses and emergency assistance costs. 

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the Policy Wording, or get an instant quote now.

Medical Only Cover Policy
Medical Only Policy
Single Trip
medical Cover 

Overseas Emergency Medical Assistance^


Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^



Personal Liability#

$5 million

Option 3: Annual or Frequent Traveller Cover

Do you travel more than once a year to Fiji and other destinations? Then it might make sense to buy a multi trip annual policy. This works just like our comprehensive cover (detailed above), except you can take as many trips as you want in a year and you’ll still be covered.

Let us know the maximum trip duration of any one trip before selecting from the options below.


Frequent Traveller 21 days maximum


Frequent Traveller 45 days maximum


Find out which Annual Frequent Traveller cover policy would suit you best here. 

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the Policy Wording, or get an instant quote now.


Fiji Travel Insurance FAQs

  • Will You Pay My Hospital Bills If I get sick or injured in Fiji?
  • Please refer to the Policy Wording and policy schedule and check if your sickness or injury is a claimable event and is covered. If you are hospitalised, or if you are treated as an outpatient, or if the total cost of the treatment will exceed $1000, please contact our emergency assistance service as soon as possible to obtain their prior approval.

    In circumstances where the claim is approved, we can then provide written guarantees of payment of reasonable expenses for emergency hospitalisation that may be required while you are in Fiji. 

  • Will You Fly Me Home If I Get Sick or Injured in Fiji?
  • If you have purchased Comprehensive, Essentials, Medical Only, Frequent Traveller, or Already Overseas, cover is available for your medical transfer or evacuation if you must be brought back to New Zealand with appropriate medical supervision.

    Cover is also available under these plans for the return to New Zealand of your dependants if they are left without supervision following your hospitalisation or evacuation.

    All expenses for medical evacuation must first be approved by 1Cover. 

    This only applies to the plans listed above, as there is no cover for medical/hospital expenses or repatriation under Domestic plans.

  • Will I Be Covered If I Ride A Scooter, Moped Or Motorcycle While In Fiji?
  • If you are in control of a motorcycle or scooter with an engine capacity greater than 50cc, you need to hold a current, valid New Zealand motorcycle license.

    You also need to be aware that cover will not be provided to you if you are a passenger on a moped, scooter or motorcycle, and the person in control does not have a valid motorcycle license for Fiji.  

    Please note that it’s compulsory to wear a helmet while riding a motorbike or scooter in many countries. Regardless of local requirements, 1Cover advises you to wear a motorcycle helmet whenever you are a rider or passenger on a scooter or motorbike. 

  • What Is A Dependant?
  • Dependants are your children or grandchildren not in full time employment, who are under the age of 19. In order to be classed as a dependant, the child must be travelling with their parent or grandparent at all times.

    If you have a child under 16 years of age that requires a single adult policy you will need to contact our customer service centre to discuss your options.

    Whether it’s two adults, multiple adults or just a single adult travelling, we allow for an unlimited amount of dependants to be added to a policy. 

  • Can I Apply To Extend My Travel Insurance Policy While I’m Away?
  • Yes, of course. If you want to extend your policy while you’re in Fiji, the easiest way to do this is via the Policy Manager.

    You'll need your policy number (available in the email confirming your policy), and a few other simple details. Log-in and extend your trip, add destinations, or buy add ons/extras.

    Make sure you extend your policy before it expires.

    If you have trouble, you can email us at [email protected]

    Please note there may be instances where a policy extension is not available. 

  • What Happens If I Encounter Terrorism Or Political Unrest in Fiji?
  • In the event of a terrorist attack or political unrest, there is no cover for cancellation fees and lost deposits, disruption of journey or alternative transport expenses.

    However, if you do get caught up in an unforeseen event while you are in Fiji and you are injured, cover is available for all necessary medical/hospital expenses.

  • Do I need A Visa To enter Fiji? 
  • New Zealand citizens planning to visit Fiji for a holiday do not need to apply for a visitor visa, as New Zealand is on the visa-waiver list. There are some exceptions to this rule, which are mainly to do with how long you want to stay.

    If you have been sentenced to imprisonment, deported from any country, or have been involved in known criminal or terrorist groups, then you should contact the nearest High Commission or Consulate of Fiji well in advance of travel for advice on visa requirements.

  • Can I Choose My Excess?
  • Sure. If you choose a lower excess, it means you'll pay less if you need to claim, but you'll pay a little bit more upfront. If you opt for a higher excess, it means you'll pay less now and a little bit more if you need to claim.

  • I travel to Fiji a few times a year. What’s the best policy for me?
  • Our Frequent Traveller policy allows you to take as many trips to Fiji - and other destinations - under the one policy for 12 months - and enjoy comprehensive cover on each one.

    Find out more about our annual travel insurance policies here.

  • Do you cover seniors travelling to Fiji?
  • We can provide cover to people of all ages. If you have any pre-existing medical conditions we may require a little more information from you and some exclusions may apply. See here for more details.

  • Am I covered if i'm pregnant when i'm travelling to Fiji?
  • If you're travelling to Fiji while pregnant, you are covered for single foetus pregnancies, up to, and inclusive of, the 24th week of gestation. For multiple pregnancies, you'll be covered up to and inclusive of the 19th week of gestation. If you have had complications fromyour pregnancy, you’ll need to complete a medical screening.

    We will assess your application and decide whether and to what extent we can offer you insurance for your pregnancy and/or journey. If you have not told us about the circumstances of your pregnancy when you were required to do so, we may refuse your claim or reduce it to the amount we would have paid had you given us the required information.

    Please note: we will not pay any medical expenses for:
    a) Regular antenatal care;
    b) Childbirth at any gestation; or
    c) Care of the newborn child. 

    Find more here. 

  • Am I Covered For Travel Interruptions Caused By Cyclones And Other Natural Disasters?
  • Travel insurance provides cover for weather events as long as they are unforeseen. The most common types of natural disasters in Fiji are cyclones, storms, and flooding. Our policies do not cover claims for losses caused by an event that you were aware of at the time of purchasing your policy.

    Once an event has become published in the mass media, it is expected that you have purchased your insurance with this knowledge in mind. 1Cover will, where possible, issue travel warnings in relation to such large scale events and the dates and times after which they are not seen as an unforeseen event.

  • Can I Get Extra Cover For My High-Value Items?
  • Laptop computers, cameras, mobile phones…they’re all things we need on at home and on holiday. That’s why you can choose a bit of extra protection for your can’t-live-withouts. All you need to do is include and specify certain high-value items that aren't automatically covered when you're buying your policy.

    Note: the items cannot be older than 12 month, and you can't specify items like jewellery, watches, bicycles and watercraft (apart from surfboards).




The One thing They Needed in Fiji


Cherie's Cruising Disaster 

Bad weather forced Cherie’s South Pacific cruise ship to skip two of its planned stops in Fiji. She thought she’d wasted her money and was so disappointed.

But because Cherie had 1Cover’s Cruise Pack, she was reimbursed close to $1,000.

It’s nice to have back-up when things happen on holiday.

Amanda's Sick Child 

While on an island holiday in Fiji, Amanda notice a bad rash on her young son’s body. The resort doctor recommended he be transported to the nearest hospital in Nadi. A helicopter with doctor was arranged and Amanda and her son were quickly transferred to the mainland hospital, where he was diagnosed with chicken pox.

We were able to cover all travel, hospital and medication so that Amanda’s son could get treatment.

Such a horrible experience, but thankfully he's safe. 

Linda's holiday Disappointment 

Right before her big family holiday to Fiji, Linda had a fall in her garden and ended up in hospital with a broken leg in three places. Her doctors told her she would not be able to travel for several months, and her holiday had to be postponed.

1Cover covered all cancellation and rescheduling costs so Linda was able to make rearrangements with ease.

The person I spoke to was SO helpful and reasonable.

Travel Insurance Statistics

...they're interesting, really!


 Over 90% of travellers were covered by travel insurance the last time they went overseas.^

Expensive Medical Bill

5% of 1Cover claimants travelling to Fiji  had to cancel/postpone part or all of their trip.*


6 in 10 New Zealanders take out travel insurance for every trip they take.^

*in 2017/2018
^research conducted in 2016

How Will Travel Insurance Help Me In Fiji?

Medical Assistance
24/7 Medical Assistance

If something goes really wrong in Fiji, you’ll need help.Whether it's treatment on the ground or being flown home ASAP, that's when travel insurance will save you time, money, and stress. 

your trip

Cancelling a trip before you leave or cutting a trip short while you’re away is expensive and disappointing. But with 1Cover, you can get unlimited cover for cancellation and lost deposits.

Ease Lost
Luggage Woes

Damaged/lost bags and belongings are one of the most common claims made by 1Cover travellers in Fiji. That’s why we provide up to $15K cover for luggage and personal item (including cameras, glasses, and laptops).

Stress-Free snow sports

Exploring Fiji on the back of a scooter or motorbike? Remember the risks, especially on unfamiliar roads. We can be there if something happens - but you must read the Policy Wording before you ride, and always wear a helmet.

Outdoor Adventure, Done Safe

Swimming with dolphins, white water rafting, cycling and snorkelling...Fiji is the perfect place to enjoy outdoor activities. Luckily, we cover 100+ activities so you can enjoy yourself and know you’re covered.

car hire
shock-free car hire

Hiring a car? Fiji’s roads can be bumpy and traffic unpredictable. Bypass the stress and avoid any expensive rental car excess bill when you return the car. 1Cover automatically covers rental vehicle excess up to $5K.


disaster relief
Disaster Relief

Fiji is prone to tropical cyclones, storms and floods. We can assist if you’re affected by unexpected events  – but always check the news and 1Cover's travel alerts before you book.

cruise pack
control your cruise

Cruising brings a certain set of risks, including on-board illness, lost items, cancelled day trips, weather delays, and more. If you’re cruising the Fijian islands, be sure you’ve got our Cruise Pack add-on.


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We've Already Helped 1.5 Million Customers

1Cover is rated 4.3 out of 5, Independently Rated On Feefo 
  • "Don't Leave Country Without it"

    Prompt support when unexpected happened. I don't know what I would have done if I didn't have it when I got robbed.

    By Damiliya, Feefo User

  • "Good Value, Good Service"

    Had to make a claim when my wife took ill & had to visit a doctor in the USA. Put a claim in back home ... accepted and paid within two weeks.

    By Kevin, Feefo User

  • "Exceptional Speed In Response To A Claim"

    First time I've had to make a claim. Speed of process was quite unbelievable.

    By Anon, Feefo User

If You Only Do One Thing...

The One Thing You Should Do With Your Family In Fiji

Ready for a holiday experience you and your kids will never forget? Here’s the one thing that should feature on your Fiji family holiday itinerary.

Airline Hosties
The One Thing Airline Hosties Don’t Tell You

They may seem happy, relaxed, and squeaky clean, but airline hosties are hiding a few sneaky secrets from their passengers. 

Tourist Clothing To Avoid
The One Thing You Shouldn’t Wear In Fiji

Just because it’s comfortable doesn’t mean it belongs in your holiday wardrobe! Here are just a few ridiculous items you should turf from the suitcase.


Before Your Trip...

Got some Questions? 

If you have any other questions that haven't been answered on this page, visit our FAQs section for even more information. From riding scooters to questions on skiing, cruising, and travelling with kids, you'll find what you need here. 

Know before you go

The one thing you should do before you get travel insurance is look at 1Cover Travel Alerts. Here you’ll find information on new and current travel events and what will be covered by your policy. 


One Last Thing: Emergency Contacts & How To Claim

We hope nothing goes wrong on your trip to Fiji. But if it does, the resources in this section can help you.

New Zealand has an Embassy in Suva, Fiji. They provide a range of services to the general public, including consular, passport, visa and immigration, citizenship and cultural relations services.

Be informed. Be prepared. If you're across The New Zealand Government's SafeTravel website, you'll have all the latest information for your trip to Fiji. SafeTravel is a trusted resource for New Zealander travellers and is updated regularly, so make sure you bookmark this handy resource.






If you need emergency assistance in Fiji, please call our 24/7 emergency medical assistance line on (+) 64 9884 0229 or email [email protected]

For non-emergency assistance, you can message our Sydney-based support centre seven days a week.

If something happens to you and it's not an emergency, you can start the claims process whenever it's convenient to you. Visit our online claims platform, and if you have all the necessary documentation, your claim will be processed in 10 business days. 

Planning an Activity In Fiji?

Scuba Fiji
Scuba Dive In Fiji

Eager to meet Fiji’s fishiest locals but not sure where to start? Subsurface Fiji is a multi-award winning dive company that runs three dive trips a day, every day of the year. It caters to novices and professionals alike.

Thermal Springs In Fiji
Get Dirty In Fiji

Get dirty - literally - and meet the locals at Fiji’s Sabeto Valley Mud Pool and Thermal Spring. Lather yourself in the mud, let it dry, and wash it off in the warm spring pool (believed to have healing properties). Aqua Tours Fiji run tours daily.

Hiking In Fiji
Hiking In Fiji

From lofty mountains to lush rainforests, Fiji is home to incredible hiking routes. Before setting off, be sure to chat to the people at Talanoa Treks, Fiji’s only dedicated hiking company. They run a range of single and multi-day hikes. 

Please note, 1Cover does not endorse or sponsor these activities. Activities are listed for informational purposes only.

Still Need Some Help? 

If you have any other questions or queries, please send us a message via our Contact Us page. 
If you are experiencing an emergency, please use the details on our Emergency Assistance page