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.

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.