Scuba diving in Fiji

Travel insurance for Fiji

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Just like with most aspects in life, you should always expect the best but plan for the worst. This is especially true when travelling. As you are making your travel plans to Fiji, don’t dismiss the need for added travel insurance.

Travel insurance for Fiji not only covers medical expenses while travelling, it can help you recoup monies lost from unexpected delays and cancellations. It also offers you protection for your luggage and other personal belongings, including your travel documents in the event they are lost, stolen or damaged. Anything can happen while you are far away from home. Travel insurance can’t stop unfortunate circumstances, but it will make them easier to recover from.

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Why Should I Consider Travel Insurance for Fiji?

Fiji is a beautiful country to visit, luring thousands of Australians every year. While considered to be a low risk travel destination, it doesn’t mean that you should travel there without protection.

  • Medical. Medical protection is a must, as you don’t want to fall ill while in Fiji and not have any means of getting medical treatment. Your Australian health insurance policy most likely won’t cover those costs.
  • Repatriation. You also need to consider the possibility of needing monetary help in getting back to Australia if an accident has made normal travel impossible, these costs will run into the thousands of dollars.

Having travel insurance will ensure that you are reimbursed if you are the victim of a crime while on vacation. Insurance for your travel bookings is also important when travelling to Fiji. Your travel insurance will cover the cost of accommodations if you have to stay longer than you planned due to cancelled flights.

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Is it Safe to Travel to Fiji?

Travel to Fiji for Australians is considered low risk vacation. While you should exercise extreme caution in areas like Suva, the more popular destinations for tourists are considered safe. You should exercise caution no matter where you are travelling but travel concerns for Fiji include:

  • Theft. Tourists are targets for thieves, even in the safest of areas. If you are the victim of pick pocketing or your valuables are taken from your hotel room, having travel insurance means you can be reimbursed for your losses.
  • Mosquitos. Fiji is a high risk area for mosquito borne illnesses such as Dengue. If you fall ill while on vacation your travel insurance policy will make sure that you are able to get the medical care you need.
  • Season. Another concern if you are travelling to Fiji between November and April. This is cyclone season in the area, where there is a high probability that heavy rains and winds could cause delays in your travel plans. If you are stranded in Fiji beyond your expected departure date, travel insurance will pick up the tab for your accommodations and even meals in many cases.
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What Cover Do Travel Insurance Policies Usually Provide?

There are three fundamental reasons why a traveller needs insurance for their trip.

    • Medical. Your first concern should be for medical care. Travelling to foreign destinations means that you are eating and drinking food that you are typically not used to. Major stomach ailments are one of the main reasons why a traveller needs medical assistance abroad. Having to be evacuated and repatriated back to Australia is a part of travel insurance that will ensure that no matter what the circumstances, you will be able to get home.
    • Cancellations. Another worry that insurance can help with is cancellations. This can be due to personal issues of your own that make travel impossible, such as a death in the family, or from events that leave you stranded in your vacation destination beyond what you had expected.
    • Luggage and travel Documents. The third essential coverage that travel insurance provides is on your personal belongings, money and travel documents. If the airline loses any of your luggage for example, your travel insurance will reimburse you the cost.
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Fiji Travel Highlights

Just four hours from Australia, Fiji is a tropical destination consisting of 333 islands, of which only 110 are inhabited. As an Australian citizen, you will not need to obtain a visa before your arrival into Fiji. You will be granted a visitor permit upon presentation of your passport, which is valid for up to four months.

      • Nananu-i-Ra

        Nananu-i-Ra, meaning 'dreamland of the west', is a tiny isle just 1.5km off the main Fijian island of Viti Levu. This is a secluded paradise that is well worth a visit by any traveller.

      • Suva's Fiji Museum

        For those wanting to indulge in some culture, Suva's Fiji Museum allows tourists to discover what life was like in the Fiji Islands over 3,700 years ago. You can find the Fiji Museum in the Thurston Gardens botanical site in the city centre of Suva.

      • Kava Ceremony

        No trip to Fiji is complete without the participation in a Kava Ceremony. Kava is a mild narcotic drink, that is comprised of water and a powdered root. The drink leaves the participant with a numb mouth and a sense of relaxation.

Australians account for half of the tourism industry in Fiji. With its conflicting landscape of rough volcanic mountains surrounded by soft beaches, a visitor will find plenty of ways to enjoy their vacation here. Water sports are very popular, along with exploring the coral reefs or just basking in the sun. You will even find schools available to teach you how to surf. The interior of the islands are also tourist hot spots who head out hiking to remote villages or float in the various lagoons.

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Fiji Travel Tips

The volcanic islands of Fiji will make for an exotic, yet budget friendly vacation spot You can find inexpensive lodgings and food easily so long as you are on one of the main islands such as Viti Levu. When making plans for a day trip to a more remote outer island, bring everything you will need with you. Even basic necessities like food and water will be considerably more expensive in these areas.

Take caution when visiting the capital, Suva. A popular nightclub spot, this area has the highest crime rate in Fiji. Thieves and pickpockets in this city typically target unsuspecting tourists. For your daytime adventures make sure that you allocate at least one full day to the Mamanucas. This is a group of tiny islands that is well known for its surfing and snorkelling. Also make time for the Garden of the Sleeping Giant where you will find acres of exotic orchids and plants growing.

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Who do I contact in an emergency?

If you find yourself in an emergency in Fiji some of helpful contacts include:

  • Your travel insurer. Your insurance provider will have an 24/7 helpline for claims and medical emergencies.
  • Police emergency number. You can reach this service on 917.
  • Fire and ambulance emergency number. You can reach this service on 911.
  • Australian Embassies and Consulates. You can find the contact details of Australian Embassies and Consulates in Fiji below.
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Fiji Travel Insurance FAQs

Do I need travel insurance?

Many travellers don’t have a clear understanding of what travel insurance is and how it protects them. They don’t realize that without it, they are left vulnerable to the costs of medical care, plus the recovery of their lost or stolen property if they are travelling without added insurance.

Are my kids covered?

Another concern is with children and if a separate policy needs to be purchased for them. Most travel insurance brands will offer different plans to suit every need, leaving room to add any child to a travel insurance policy at no additional cost.

When does my cover start?

Another common concern is with knowing when the coverage will begin. It is recommended that travel insurance be purchased at the same time as the travel plans are. The policy should be effective immediately, ensuring that if there is a cancellation before the trip even starts, it will be covered.

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Apply Travel Insurance for Fiji

If planning a Fijian getaway, don’t forget your travel insurance. Travel insurance can’t keep the mosquitoes in Fiji from biting you, but it will pay for that trip to the doctor to treat the Dengue.

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Compare Travel Insurance Policies for Your Trip to Fiji

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Richard Laycock

Richard is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

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