Fiji travel insurance

Ready to get moving? See quotes and compare travel insurance policies for Fiji from over 14 brands

Gary Ross Hunter's headshot
Peta Taylor's headshot

By

Gary Ross Hunter

&

Peta Taylor

Updated

Fact checked
Exercise normal safety precautions
Updated by Smartraveller on 24 Feb 2025
🇫🇯Fiji

Add kids under the age of 1 by typing a “0”0 traveller(s)

By submitting this form, you agree to our Privacy & Cookies Policy and Terms of Service

Why do I need travel insurance in Fiji?

When thinking of a holiday to Fiji, a few things come to mind; soaking up the sun on the beach, snorkelling in crystal clear water, eating delicious foods and so on. While the plan is always strictly fun times only, it's wise to prepare for some things that may not go to plan. Like a delayed flight or a natural disaster.

That's where travel insurance comes in. You can be covered for a range of mishaps, including:

  • Emergency medical treatment
  • Other medical expenses caused by injuries and accidents
  • Transport to hospital by helicopter or ambulance
  • Medical evacuations back to Australia
  • Car rental excess (sometimes an optional extra)
  • Lost or stolen valuables
  • Natural disasters
  • Delayed and cancelled flights + associated accommodation expenses
Frank Restuccia's headshot
Frank's experience using travel insurance

"When I was in Fiji, I got caught in a cyclone and couldn't leave. I ended up having to stay for an additional 4 days. Thankfully, I had travel insurance via my credit card and was able to be covered for some of those extra accommodation costs."

Founder

Common travel 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.
  • 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 against 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.
  • Driving vehicles without a licence.

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.

How can I find cheap travel insurance for Fiji?

There are plenty of ways to find a cheaper travel insurance policy.

  • Select a medical only policy. Medical only or basic policies will generally be the cheaper policies on the market.
  • Look for promo deals. 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. Every policy is different so it's worth comparing to see where you can get the best bang for buck.
  • Buy your policy early. Get the most value by buying your policy early. It means you're covered for longer while paying the same price.
Gary Ross Hunter's headshot
Our expert says

"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."

Journalist

FAQs

Gary Ross Hunter's headshot
Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 622 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
Peta Taylor's headshot
Co-written by

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

More resources on Finder

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

More guides on Finder

  • Butter International Travel Insurance review

    Butter International Travel Insurance comes with all the essentials and plenty of optional extras for those who want further coverage.

  • Stella Travel Insurance

    Stella Travel Insurance - See pros, cons, benefits and exclusions
  • InsureandGo Travel Insurance Review

    InsureandGo Travel Insurance can save you time with a comprehensive range of policies that are easy to digest and understand. Its policies include winter sports coverage plus both single and multiple trip policies.
  • ahm Travel Insurance

    Comprehensive review of the travel insurance policies on offer from ahm Travel Insurance.
  • Does travel insurance cover a lost passport?

    Travel insurance can cover a lost or stolen passport, but there are things you need to know to make a successful claim.
  • Tick Travel Insurance

    Tick Travel Insurance offers competitive single trip insurance to suit a range of travellers with three levels of cover to choose from.
  • Medibank Travel Insurance

    Medibank is a leading travel insurance provider in Australia offering cover for international comprehensive, international medical only cover and more. Read the finder.com.au review for a breakdown of the policy and more.

  • Travel insurance for Europe

    Keep yourself and your belongings safe on your European escape by comparing insurance polices today.
  • nib Travel Insurance

    NIB Travel Insurance: No age limit and cover for 40+ pre-existing medical conditions.
  • Cruise travel insurance

    A guide to understanding cruise insurance - why you need it, what's covered, and what's not.

Go to site