- The best travel insurance plans for Fiji
- Is it currently safe to travel to Fiji?
- Is travel insurance required by law to enter Fiji?
- Why take out travel insurance for Fiji?
- What should travel insurance for Fiji cover?
- The cost of travel insurance for Fiji
- How to pay less for your travel insurance to Fiji
- Will your current insurance cover you in Fiji?
- FAQ
Travel insurance for Fiji: key takeaways
1. Definition: Travel insurance for Fiji covers medical emergencies, trip cancellations, and lost or stolen belongings.
2. Key protection: Insurance is not mandatory but vital, as serious medical cases require evacuation to Australia.
3. Healthcare cost: Medical evacuation from Fiji to Australia can cost over $50,000 without comprehensive insurance.
4. Price: A one-week travel insurance policy for Fiji typically costs between $30 and $60 AUD.
5. Good to know: Ensure your policy covers trip disruptions due to cyclones, especially from November to April.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travellers every month. After analysing 42 travel insurance policies available in Australia, our experts share here everything you need to know to choose the best travel insurance for Fiji.
The best travel insurance plans for Fiji
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | AU$1.6M | Strong overall option for Fiji travel. - high medical reimbursement - repatriation cover - adapted for natural disaster scenarios |
| Cap Assistance 24/24 | AU$1.6M | Good choice for short or active Fiji trips. - 24/7 medical helpline - no deductible - includes cancellation cover |
| Tourist Card | AU$800k | Practical for tourism and family holidays. - good medical cover - emergency support - affordable for many travellers |
| Travel Pass Monde | AU$1.1M | Balances strong guarantees and useful extras. - hospitalisation included - covers travel delays - wide worldwide use |
| Globe Partner | AU$480k | Reliable for extended visits in Fiji. - overseas medical care - repatriation - civil liability protection |
| Globe Traveller | AU$800k | Suitable for budget and low-risk trips. - essential medical cover - quick reimbursement - capped but adequate for most situations |
- high medical reimbursement
- repatriation cover
- adapted for natural disaster scenarios
- 24/7 medical helpline
- no deductible
- includes cancellation cover
- good medical cover
- emergency support
- affordable for many travellers
- hospitalisation included
- covers travel delays
- wide worldwide use
- overseas medical care
- repatriation
- civil liability protection
- essential medical cover
- quick reimbursement
- capped but adequate for most situations
Is it currently safe to travel to Fiji?
As of June 2025, the Australian Department of Foreign Affairs and Trade advises travellers to exercise normal safety precautions when visiting Fiji. There are no restrictions on travel for Australian citizens, but standard vigilance is recommended.
Here are their four main recommendations.
- Security risks: Petty crime such as bag snatching and pickpocketing occurs in tourist zones around Suva and Nadi, especially after dark. Remain attentive to personal belongings and avoid unlit areas at night.
- Health risks: Medical facilities are limited and may require upfront payment. Serious conditions may need medical evacuation to Australia. There are periodic outbreaks of dengue fever, chikungunya, and leptospirosis, particularly during the rainy season or in flooded areas.
- Environmental hazards: Fiji is subject to cyclones between November and April. Flooding, landslides, and disruption to travel are possible during this period, especially in low-lying regions and outer islands.
- Legal requirements: There is no visa required for Australian travellers staying less than four months, but you must show a return ticket and proof of accommodation on arrival. Entry can be refused to those with a criminal record.
Although not required, travel insurance is strongly recommended by the Australian Department of Foreign Affairs and Trade, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Fiji.
Is travel insurance required by law to enter Fiji?
No, travel insurance is not mandatory for Australian citizens visiting Fiji.
Travel insurance is still strongly recommended because medical facilities in Fiji are limited compared to Australia and may require upfront payment. Costs for emergency medical evacuation or hospitalisation can be significant, and there is no reciprocal healthcare agreement between Australia and Fiji. Insurance provides essential protection for unexpected incidents.
According to our data, 80% of travellers purchase travel insurance before going to Fiji. This high percentage reflects the risks of costly medical care, tropical diseases, and extreme weather events.
Why take out travel insurance for Fiji?
It is an essential financial and medical protection for anyone going to Fiji.
In Fiji, public hospitals like Colonial War Memorial Hospital in Suva often have limited equipment and capacity, especially in emergencies. Private clinics and hospitals in main cities can be expensive, and serious cases may require costly air evacuation to Australia. In rural or remote areas, access to advanced care can be unreliable or unavailable.
Travel insurance covers medical fees, hospitalisation, medication, ambulance transport and emergency repatriation to Australia in the event of a serious incident.
Here are some examples of healthcare costs in Fiji.
| Example of medical treatment | Cost at MIOT Pacific Hospitals | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 8,000 FJD (approx. 5,400 AUD) | up to 1,000,000 AUD |
| I broke my tibia (X-ray, cast, and crutch rental) | 4,500 FJD (approx. 3,000 AUD) | up to 1,000,000 AUD |
| I need to be repatriated | 65,000 FJD (approx. 43,900 AUD) | up to 1,000,000 AUD |
| I have appendicitis (consultation and surgery) | 18,000 FJD (approx. 12,100 AUD) | up to 1,000,000 AUD |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What should travel insurance for Fiji cover?
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers hospital, doctor, and medication costs in Fiji, including emergency treatments. We recommend a reimbursement limit of at least AU$500,000. |
| 🚑 Emergency evacuation and repatriation | Includes air ambulance or medical repatriation to Australia if a serious condition arises. We recommend a minimum of AU$500,000. |
| 🧳 Baggage and personal belongings | Covers loss, theft, or damage to luggage and valuables. An advisable limit is at least AU$5,000 per person. |
| 🩹 Personal liability | Provides coverage if you accidentally cause injury or property damage abroad. Look for a minimum limit of AU$1 million. |
| ✈️ Trip cancellation or interruption | Reimburses pre-paid expenses if your trip is cancelled or cut short for covered reasons. Opt for at least AU$10,000. |
| ⛑️ 24/7 emergency assistance | Immediate support for emergencies, hospitalisation, or language help in Fiji. Ensure this is unlimited and accessible worldwide. |
| 🏄♂️ Coverage for adventure activities | Protects against incidents during activities like snorkelling or jet skiing, often excluded in basic policies. Check if coverage is included and up to AU$200,000. |
We recommend a reimbursement limit of at least AU$500,000.
We recommend a minimum of AU$500,000.
An advisable limit is at least AU$5,000 per person.
Look for a minimum limit of AU$1 million.
Opt for at least AU$10,000.
Ensure this is unlimited and accessible worldwide.
Check if coverage is included and up to AU$200,000.
Travel insurance from local providers or bank cards may only offer basic protections, with low limits and numerous exclusions. For peace of mind, compare the top options at HelloSafe and choose a comprehensive insurer online for full coverage and instant certification.
The cost of travel insurance for Fiji
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | AU$36 |
| 2 weeks | 45 years old | AU$52 |
| 1 month | 35 years old | AU$70 |
| 1 month | 70 years old | AU$144 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
Your Fiji travel insurance price depends on several factors: your age, trip duration, chosen level of cover, and any pre-existing health conditions. Optional extras like cancellation cover also affect the cost. Keeping these in mind is crucial to get the right protection for your trip, especially considering potential cyclones or medical needs.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to Fiji
Here are some suggestions to optimize the cost of your travel insurance to Fiji while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🧑 Traveller's age | Premiums usually rise with age, and some insurers restrict older travellers. | Compare insurers by age bracket. Heymondo does not increase its prices for people over 62. |
| 💼 Level of coverage | Fiji has limited medical facilities, serious cases often require evacuation to Australia. | Choose plans with essential protections only. Avoid high, unnecessary extras. |
| 📅 Trip duration | Cost of insurance increases with each additional day abroad. | Buy a policy only for the exact number of days you will be in Fiji. |
| 🏄 Planned activities | Water sports and adventure activities may not be included in standard plans. | Select only what you’ll actually do. Add sport or adventure cover only if you truly need it. |
| 👨👩 Family/group cover | Group plans can be more cost-effective, especially for families. | Look for family/group discounts. Many insurers offer special pricing for multiple travellers. |
| 💻 How you buy | Prices can vary between aggregators, travel agents, and company websites. | Compare online quotes. Use several comparison sites to find the most competitive options for Fiji. |
| 🚑 Medical evacuation cover | Medical evacuation to Australia may be needed in serious cases, and is a major expense. | Make sure this coverage is included, but do not select unnecessarily high limits. |
Will your current insurance cover you in Fiji?
It is reasonable to wonder if your current insurance, such as public health, private health, or credit card insurance, can protect you during a trip to Fiji. Unfortunately, this coverage is often limited or insufficient. Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Fiji? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare) | Never | No overseas coverage. No health expenses, hospitalisation, or repatriation support included. | Travel insurance covers up to AU$1,000,000+ for medical, hospital, and emergency evacuation. |
| Private health insurance (Bupa, Medibank, nib) | Limited coverage | May provide small partial reimbursement after return to Australia, AU$10,000–AU$20,000 max. No repatriation. | Travel insurance covers up to AU$1,000,000 or higher, plus repatriation and 24/7 local support in Fiji. |
| Classic credit card (Visa Classic, Mastercard Standard, Westpac Lite) | Limited coverage | Overseas medical cover up to AU$10,000. No luggage or trip cancellation cover. | Travel insurance offers up to AU$1,000,000+ and covers luggage, cancellation, and missed connections. |
| Premium credit card (Visa Platinum, Mastercard Gold, ANZ Rewards Black) | Limited coverage | Medical emergencies up to AU$100,000. Some delay/loss coverage, usually no adventure sports. | Travel insurance covers up to AU$1,000,000+, including adventure activities and extensive add-ons. |
Example
While surfing near Nadi, Ben suffered a severe coral reef injury, leading to a serious infection. The medical evacuation to a Brisbane hospital cost AU$80,000. His CommBank credit card insurance had a low cap, and his domestic health cover wasn't valid, leaving him to pay the massive shortfall himself.
Expert advice
Your bank card or health insurance might not cover trip interruptions, like a family member's illness or death. Always read the fine print of your existing policies to avoid nasty surprises overseas. For peace of mind, it's always safer to get dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Fiji?
Australian citizens do not need a visa for Fiji for stays under four months. You will receive a visitor permit on arrival if you have a valid Australian passport, a return ticket, and proof of accommodation. Stays over four months require a visa, so check entry rules if your plans change.
How do I purchase travel insurance for Fiji?
Start by comparing policies using the HelloSafe travel insurance comparison tool. Check the cover and exclusions, focusing on features relevant to Fiji such as cyclone or evacuation cover. Purchase your insurance online, then receive your certificate immediately by email to keep for your records.
Does travel insurance for Fiji cover natural disasters like cyclones?
Yes, most comprehensive travel insurance plans offer cover for natural disasters, including cyclones and their consequences. It is important to check the specific policy wording for exclusions relating to events such as trip disruption, evacuation, or medical care during Fiji’s cyclone season from November to April.
Are pre-existing medical conditions covered when travelling to Fiji?
Coverage for pre-existing medical conditions varies between insurers. Some policies include limited cover, while others may exclude pre-existing conditions completely or require you to pay an extra premium. Always declare any pre-existing health issues when applying so you know what is and is not covered.
What is the recommended medical coverage limit for Australians travelling to Fiji?
It is advisable to choose a travel insurance plan with at least AU$250,000 in medical cover. Medical facilities in Fiji are limited, especially outside major cities, and medical evacuation to Australia is expensive. A high medical cover limit ensures you are protected for both local treatment and potential evacuation.
Does travel insurance for Fiji cover sports and outdoor activities?
Standard travel insurance typically includes cover for basic activities like swimming and snorkelling, but high-risk sports such as diving, surfing, or ziplining may require optional cover or have special conditions. Review your insurer’s list of covered activities and purchase additional extensions if you plan to enjoy adventure sports in Fiji.
Do I need a visa to travel to Fiji?
Australian citizens do not need a visa for Fiji for stays under four months. You will receive a visitor permit on arrival if you have a valid Australian passport, a return ticket, and proof of accommodation. Stays over four months require a visa, so check entry rules if your plans change.
How do I purchase travel insurance for Fiji?
Start by comparing policies using the HelloSafe travel insurance comparison tool. Check the cover and exclusions, focusing on features relevant to Fiji such as cyclone or evacuation cover. Purchase your insurance online, then receive your certificate immediately by email to keep for your records.
Does travel insurance for Fiji cover natural disasters like cyclones?
Yes, most comprehensive travel insurance plans offer cover for natural disasters, including cyclones and their consequences. It is important to check the specific policy wording for exclusions relating to events such as trip disruption, evacuation, or medical care during Fiji’s cyclone season from November to April.
Are pre-existing medical conditions covered when travelling to Fiji?
Coverage for pre-existing medical conditions varies between insurers. Some policies include limited cover, while others may exclude pre-existing conditions completely or require you to pay an extra premium. Always declare any pre-existing health issues when applying so you know what is and is not covered.
What is the recommended medical coverage limit for Australians travelling to Fiji?
It is advisable to choose a travel insurance plan with at least AU$250,000 in medical cover. Medical facilities in Fiji are limited, especially outside major cities, and medical evacuation to Australia is expensive. A high medical cover limit ensures you are protected for both local treatment and potential evacuation.
Does travel insurance for Fiji cover sports and outdoor activities?
Standard travel insurance typically includes cover for basic activities like swimming and snorkelling, but high-risk sports such as diving, surfing, or ziplining may require optional cover or have special conditions. Review your insurer’s list of covered activities and purchase additional extensions if you plan to enjoy adventure sports in Fiji.
