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Please Note: You do not need to include stopovers less than 48 hours, except for USA and Canada.

• Depart Return

Are all travellers under 19 your children or grandchildren?

Dependants are defined by TINZ as your children or grandchildren, not in full time employment, who are under the age of 19 and travelling with you for 100% of the journey. Before proceeding, please confirm that all travellers under 19 are dependants of the adult travellers. If the child is not classified under the above terms then please treat them as an adult traveller within this policy.

The Already Overseas plan is appropriate for New Zealand residents who are already overseas and need travel insurance cover because they have either forgotten to purchase before they left New Zealand or, their existing travel insurance policy has expired.

Please read our conditions of purchase carefully. We can only provide cover provided that you satisfy the following conditions at the time of purchase:

• You are aged 64 or under; and
• You have a permanent residential address in New Zealand and will be returning to resume residence in New Zealand at the end of your journey; and
• You intend to return to New Zealand on the date your policy ends; and
• You purchase your policy within 30 days from either the date you departed New Zealand; or the expiry of any other travel insurance policy; and
• Your period of overseas travel does not exceed 18 consecutive months in total from the date you originally departed New Zealand;

Please note:

• For this plan “journey” means the time from when the policy is issued while you are overseas and ends when you arrive at any immigration counter in New Zealand.
• Journeys can be up to a maximum of 90 days.
• Purchasing an Already Overseas policy is limited to one journey every 12 months.
• There is no cover provided for the first 72 hours from the start date of your certificate of insurance.

Age limit exceeded.

We are sorry.

We are unable to provide cover for this trip. Travellers aged over 80 years and over can only purchase travel insurance for a maximum duration of 6 months.

Please visit our partner website www.comparetravelinsurance.co.nz to purchase travel insurance for this trip.

Single Trip | Annual Multi-Trip

  travel insurance   for fiji.

Fancy a no-stress holiday with sun, surf and sea? Fiji ticks all the boxes and then some!   Just don't forget to pack your Fiji travel insurance to keep your holiday in the hammock hassle free.

24/7 Emergency  Assistance

24 hours a day, seven days a week - our emergency assistance team will be there to help, no matter the timezone.

Cancellation  Cover

Don’t lose out if you have to cancel your Fiji trip. We offer cover if you can no longer travel or have to return home early due to unforeseen events.

Travel Delays

Delayed by six hours or more? Our policies will look after you while you wait to get your holiday back up in the air.

Terrorism Cover

Sometimes the world can be a scary place. If your holiday is affected by terrorism, we’ll pay for your flight home, cover medical costs and in some cases trip cancellation.

Riding a Motorbike or Scooter

Scooters and motorbikes are a popular way to get around Fiji. If you're properly licensed to ride, then we'll cover you.

Gadget Cover

Imagine you just dropped your Digital SRL into that tropical blue lagoon. Our plans provide different levels of cover for phones, iPads, cameras and laptops.

Longer Cover

That’s right, we for longer. Most insurers limit their cover to twelve months, with TINZ you can get cover for up to 18 months with the ability to extend.

Cruise Cover

We’re on board with you and don’t charge any extra if you’re heading on a cruise throughout the year. With TINZ, you’re covered from ship to shore.

Fiji Traveller's Guide

Looking forward to an island getaway? With more than 300 islands, Fiji might be the perfect place for you. Check out our tips on making the most of your trip! 

 VISAS

New Zealand passport holders do not require a visa to visit Fiji, and you are granted a visitor's permit on arrival, which lasts for up to four months. You can apply when you're in Fiji to extend it to six months, or if you're planning to stay longer, you can apply for long-term visa in New Zealand.

 BEST TIME TO VISIT

July through August and December through January tend to be the busiest periods, as many New Zealand and Australian travellers visit during the school and university holidays, and over the Christmas and New Year breaks. February and March, June, October and November often offer travellers the best bang for their buck.

Summer (November to March) tends to be dominated by warm, wet weather - expect it to rain a lot! The drier season (May to September) is still warm enough for water activities, but the best time may be October and early November, with the weather starting to warm up but the rain and the tourists holding off.

 NEED TO KNOW TIPS

Bula means hello, vinaka means thank you, and you will hear those two all day long. Fiji is one of the friendliest places for tourists.

Machetes are common place, but don't be too worried. They are used frequently by workers, and are unlikely to indicate something sinister.

Sunday is church day. Fiji is highly Christianised, and most people go to church in their best outfits. Most shops are closed or have limited hours. Hinduism is also very popular, and visiting during Diwali or Holi mean you will be treated to fireworks.

 GETTING AROUND

Fiji is spread out over a huge area - more than 1.2 million square kilometres. While many islands look close enough together, travel between them often includes heading back to the largest island, Viti Levu, which acts as something of a central hub for trade and tourism. Pacific Sun, the domestic arm of Fiji Airways, dominates most of the local market. Mostly served by tiny twin engine planes, it is the quickest way to get around, and availability is rarely an issue. The baggage allowance is very small though! Northern Air, Turtle Airways and Fiji Seaplanes also operate a number of flights around Viti Levu and wider Fiji. 

Modern passenger catamarans or older ferries, which transport both people and vehicles are very popular options for seeing the larger and more populated islands.

With no rail, hiring a car, or catching the bus or taxis are popular ways to get around the largest islands. If you're planning to get out of the city and see the sights, hiring a taxi between a few people can be an affordable way to do it.

It is time to move forward together. Stronger for the bitter experiences we have shared, wiser for the suffering inflicted on us and more compassionate for having the capacity to forgive. For all its faults and cruelties, Fiji remains a country full of promise and hope simply demonstrated by the goodwill that has endured and the love we have for this land that is our home​.

  - Ratu Joni Madraiwiwi, Politician and Legal Scholar

 WHAT TO EAT

Seeing Fiji? It's all about the seafood. Try Kokoda, a fish marinated in lemon and other citris juices, and then mixed with chili, coconut, tomatoes and onions.  Or get stuck into some baigan valo, a steamed eggplant stuffed with fresh fish and topped with coconut cream. Otherwise, the classic fish soup, served in a coconut milk broth, is a hearty and simply dish that is easy to find. 

Around 40% of Fiji's population can trace their heritage to India, having arrived on mass in the 1800s. As such, Indian-style food is popular here, but a little lighter and more coastal in flavour.

Have a sweet tooth? Ditch the breakfast banana bread, and try a slice of coconut bread for breakfast. Alternatively, Purini is a kind of steamed pudding, often topped with custard or butter. 

 WHERE TO GO

With so many islands, you might find it best to visit just a few than trying to attend to them all.

While on the main island, stop in at Nadi and sample some of the our highlights, including the traditional crafts market, the Sri Siva Subramaniya Swami Temple, and the local curry house, aptly named Curry House. Located just outside the city is the perfectly landspaced Garden of the Sleeping Giant, and are an incredible showcase of Fiji's natural heritage. Between Nadi and Lautoka, the Sabeto Hot Springs and Mud Baths are a must-do immersion in Fijian culture. Want to check out an extinct volcano? Mount Tamanivi is Fiji's highest peak, and a popular attraction while in Viti Levu. Neighbouring Vanua Levu's east coast is Taveuni Island, aka Fiji's Garden of Eden. With most of the island protected with National Heritage Park listing, it is thick with rare plant and animal species and stunning waterfalls, including the 60-foot Tavoro Waterall.

 NEXT STOP!

Planning on heading elsewhere on your trip? Whether you're saying  'Hey!' to the USA , or you're chilling in  C hina , TINZ has you covered.

TRAVEL INSURANCE OPTIONS

With hundreds of surrounding islands, there is so much to explore on a Fiji holiday. Whether it's island hopping, cruising, snorkelling, scuba diving, or parasailing,  TINZ has the extra cover you’re looking for.

DOMESTIC TRAVEL

Travelling around New Zealand as well? Our domestic policies include rental vehicle excess, cancellation and luggage cover while in New Zealand.

INSURANCE FOR CRUISING

Cruising around the Pacific? Good news - cruising is automatically covered with all TINZ policies. 

Adventure Activities

If you feel like picking up the pace, there are plenty of adventure activities to get your wet your appetite in Fiji.  Be sure to explore our sports and activities pack.

GROUP BOOKINGS

We apply an automatic discount for groups of 2 or more, with big savings for groups of ten or more.

Specific Items

Travelling with something that you can't live without? You may be able to list it as a specific item on your policy so you can insure it for its full value.

PRE-EXISTING MEDICAL CONDITIONS

We cover 35 conditions automatically, and offer online medical screening forms to customers who have additional conditions, so you can find out straight away if we can cover you.

FREQUENT TRAVELLER TRAVEL INSURANCE

Longing for island living? If you’re planning several island hops this year, a frequent traveller policy can save you time and money.

Travellers 64 and under can choose a frequent traveller policy of up to 15 days, or up to 90 days maximum trip duration, so you can leave New Zealand as many times as you'd like in one year. Choose Asia Pac if you're staying close to home, or limited worldwide or worldwide if there's a whole lot of world you'd like to see this year.

FIJI TRAVEL INSURANCE  FAQs

At TINZ, provided you were acting with reasonable caution we would cover you for any unfortunate accidents or illnesses that force you to seek emergency health care. Read on to find out more.

Q. Am I covered to ride a motorbike or scooter?

Yes, so long as you wear a helmet (regardless of whether you are the driver or riding pillion) and hold a valid license that is recognised in Thailand. If you were to sustain an injury while riding a motorbike or scooter you’d be covered provided you abide by the above.

Q. Am I covered in the event of a terror attack?

Unlike most insurers we don’t exclude terrorism . If you’re caught up in an act of terror, we’ll pay for your flight home, cover your medical costs and in some cases, reimburse you for trip cancellation . See Policy Document for further details.

Q. Am I covered for activities and water sports?

At TINZ we cater to those with a taste for adventure. Many of the activities in Fiji revolve around water sports (it is an island after all!). We cover a wide range of adventure sports such as diving (max depth 30 metres), snorkelling, parasailing and jet skiing and more. Click to see what activities we cover.

Q. Am I covered in the event of a volcanic eruption or other natural disaster?

In the event that you are affected by an unforeseen natural disaster (and have bought a comprehensive policy), you would be covered for travel disruptions, additional accommodation expenses and lost deposits. However, in order to be covered you would need to have purchased a policy before news of the natural disaster hit the mainstream media.

Q. Am I covered for food poisoning, Malaria or Dengue fever?

As Fiji is a developing country there are medical risks you may be at risk of contracting.. However, you can be rest assured that all our policies cover you for unlimited medical benefits if you were to fall ill. This includes access to hospitals, ambulance, doctors and evacuation and repatriation home if required.

Q. How do alcohol and drugs affect my cover?

When it comes to alcohol we understand that for some, there’s no better way to kick off a holiday than with a poolside cocktail (or two). However, please note we may exclude any claims where excessive drugs or alcohol have been involved.

Q. Am I covered for pickpocketing?

Yes- you’re covered for muggings provided of course, you were acting with reasonable care (i.e. did not leave your belongings unattended). If you’re the victim of a pickpocket (even of the cheeky monkey variety), you’d be covered for loss, theft and damage to your luggage and personal effects. If you are robbed it’s important that you get a police report and contact us as soon as possible.

Q. Is my IPad, SLR camera or laptop covered?

Technically speaking, yes. Bear in mind the most we will pay for individual single items is $1,000, and $3,000 for personal computers, video recorders or cameras. If you are taking particularly expensive items on your holiday – make sure they are covered! Even if you’ve purchased our Comprehensive Plus plan (with a benefit amount of $25,000 for luggage and belongings), single limits apply, so you would not be covered for a single item worth $25,000.

Q. What is a dependant?

A dependant refers to your child or grandchild not in full-time employment under the age of 19 and travelling with you on your journey.

Q. What do you mean by ‘family’?

At TINZ we define ‘family’ as your spouse or partner and your dependent children or grandchildren. Your family members would need to be travelling with you at all times and must be named on your Certificate of Insurance.

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Travel Insurance For Fiji

With its famous coral diving, white sandy beaches, and over 300 tropical islands, it’s no wonder that 180,000 Kiwis are drawn to Fiji each year! Whether you’re pining for chilled Fiji Gold, or you’re tempted to swim with turtles, Fiji caters for every taste. Can't wait to unwind in the hot springs or take a dip in the mud pools? Fiji has it all. Now we don’t like to think of holidays as risk taking ventures, but the truth is, new environments, unfamiliar territory, foreign languages and unfamiliar foods can throw any traveller for a loop. Don’t get banged up abroad- make sure you  pack travel insurance on your Fiji adventure.

Compare travel insurance for Fiji

Whether you're a budget conscious backpacker, a sucker for the surf, or a worn-out parent seeking some family R&R, it pays to compare travel insurance policies to find the right cover for your trip. A policy will cover you for unexpected accident or illness, lost luggage or theft, unforeseen trip cancellation and much more. When comparing policies, it's important to consider benefits, as well as costs…

How much does travel insurance for Fiji cost?

The cost of travel insurance can vary a fair bit! Say you’re 30 (ish) years old and you’re going to Fiji for a one-week holiday. Depending on your preferred level of cover, you can expect to pay anywhere from $25 to $100. To give you an idea, we’ve outlined the costs of several policies below; Basic policies: $25 – $40.  If you’re looking for real low cost cover  1Cover’s  Medical Only Cover ( $24.71)  is the cheapest policy on our site. This policy includes unlimited medical and $1 million personal liability only. The excess you must pay towards a claim is $200.   Mid-level policies- $28 – $30.  TINZ’s  standard policy offers decent cover at just  $27.90.  This includes unlimited medical, $10,000 cancellation, $5 million personal liability and $5,000 luggage and personal effects.   Comprehensive policies -$35 (ish) – $80.  1Cover’s  comprehensive policy at   $33.30  offers generous cover with a excess of $200. Their policy includes unlimited medical, unlimited cancellation, $5 million personal liability, $15,000 luggage, $25,000 accidental death, $5,000 hospital cash, $25,000 personal disability, $5,000 for travel documents and $50,000 travel expenses. *All prices accurate at time of writing July 2019.

What will my policy cover?

If your Fiji trip takes a downward turn for any of the following reasons, comprehensive cover will throw you a rope. You can expect cover for:

• Medical : Food poisoning, drink spiking, Zika Virus, and moped accidents are all scary possibilities. Medical evacuation in Fiji can be extremely costly and private hospitals often require a guarantee of payment before admission. Luckily, your policy will cover the exorbitant expense of overseas medical cover. (Make sure you disclose any pre-existing medical conditions to your insurer before travelling).  
• Cancellation fees and lost deposits : With its year-round warm tropical climate Fiji is prone to a range of natural disasters including droughts, cyclones, floods, tsunamis and earthquakes. Travel insurance will cover unforeseen cancellations for events such as natural disasters, as well as accidents, hijackings, severe sickness or injury. Incidents that are beyond your control will usually be covered.  
• Luggage and personal effects : Generally speaking, Fiji is quite a safe place for travellers and having your wits about you is all you really need to ensure a safe and enjoyable trip away. That being said, theft is becoming more common, particularly on the mainland in the capital city Suva and Nadi. Your travel insurance will reimburse you for lost, stolen or damaged luggage. Comprehensive cover also includes cover for theft of cash and travel documents too if this is something you’re worried about.  
• Personal liability:   If you injure someone or are held accountable for damaged property in Fiji the consequences could be disastrous, particularly when you are unfamiliar with local laws and regulations. In such an event, your policy will cover your liability costs to a degree.   
• Additional extras:  Each policy varies but look out for top notch extras such as cover for rental vehicle excess, permanent disability, loss of income, cover for kennels and catteries (if you’re delayed home to your fluffy friends) and more. 

What will my policy not cover?

• Riding risky:  Whilst driving is on the same size of the road at NZ,  the road conditions in Fiji are a lot different to ours. There are many pot holes, badly lit roads and livestock crossing or grazing next to the highway. If you decide to hire a car, you wouldn't be covered if you do not have a valid driving licence accepted in Fiji. Top tip! If driving - take it easy and try and do so in day light hours. If you’re going to be riding a scooter or motorbike, keep in mind that your insurer will not cover you if you are found riding without a current New Zealand license (valid in the country you are in). You must be wearing a helmet too!  
• Unattended items : Keep a strong hold over all your belongings as leaving your stuff unsupervised will not be covered for. That also means not leaving your stuff with your fellow holidaymakers.          
• Being intoxicated : Whether your drink of choice is a Fiji Gold or Fiji Rum, all claims related directly to alcohol will not be paid. So have fun in moderation! Also, the possession of even small quantities of "soft drugs" for recreational purposes can result in lengthy jail sentences.  
• Terrorism and travel warnings : At July 2019, the SafeTravel website warns tourists to 'exercise normal safety and security precautions’ in Fiji. Note that however, there have been reports of assault and theft occurring at night in urban areas. The Government advises travellers to avoid poorly lit areas at night, particularly in Suva. It's a good idea to keep up to date with travel advisories on sites like www.safetravel.govt.nz .  
• High risk activities:  Adventure activities are plentiful in Fiji. From scuba diving in Viti Levu, ziplining in the sleeping giants in Nadi, white water rafting in the Upper Navua River or even snorkelling in the crystal-clear island waters... adrenaline junkies are sure spoilt for choice! But watch out, as participating in  particularly risky activities  such as climbing (where ropes are needed), cliff jumping or sky diving may not be covered by your policy.  Be sure to scan your policy’s small print to check out which of your preferred heart pounding activities are covered.  
• Pre-existing conditions :  Medical conditions  that exist before you travel are generally not covered, but it pays to check. You can sometimes pay a bit extra to get some conditions covered. Check your policy wording to see what conditions are covered automatically, and which ones require a medical assessment first.  
• Unreported items:  You need to report theft or loss to the relevant authority ASAP (and your travel insurance provider) within 24 hours.

How to save on travel insurance in Thailand

• Choose your destination wisely –  You might be able to save yourself a few Fijian Dollars by finding an insurer that classes Fiji in its own price bracket, rather than grouped under Pacific.  
• Consider how often you travel  - If you travel a few times per year, you could save by purchasing an  annual multi-trip policy  rather than purchasing a policy each time you take off.  
• Combine policies  - If travelling with your family or a companion, a  joint policy  is often cheaper than purchasing separately.  
• Increase your excess  - Most insurers allow you to lower your premium by opting to pay higher excess in the instance that you need to make a claim.  
• Shop around  - You'll be amazed at how much travel insurance quotes can vary. Offers by travel agents or airlines usually have commissions added on. In fact, you can save up to 50% by shopping around, so it pays to buy your  travel insurance direct.  Doing your comparison online will allow you to compare loads of quotes in seconds. Yippee

Fiji fast facts

Capital : Suva Currency:  Fijian Dollars Country code:  +679 Languages: Fiji has three languages Fijian, Fiji Hindi and English Culture: Fijian culture has evolved with the introduction of different cultures including indigenous Fijian, Indian, European and Chinese heritage. Fiji’s culture is heavily influence by indigenous traditions and values. Visitors are made to feel welcome into the Fijian way of life through the food, warm encounters, festivals, music and arts. Not to be missed:  If you want to experience the wonders of Fiji the best way is to hop aboard the ferry service and visit the tropical islands. Some of the most popular being the Mamanucas and Yasawa Islands. But if you fancy something of the beaten track there’s another few hundred you could choose from – you’re really spoilt for choice! (333 in total). On the islands there are many activities to participate in like hand line fishing, scuba diving on the amazing coral reefs, or taking a Fijian cooking class to embrace the local delicacies. Nightlife:  Fiji is not renowned for its nightlife, think relaxing beach holiday rather than nights out on the town. That being said if you're looking for the party -  the mainland is the place to go.  If you’re after a big night out head to Nadi, with plenty of bars and night clubs you'll be able to party the night away. Or another option is Suva the Capital. No matter what your taste, there’s something for every type of party animal here, just keep your wits about you. Food & drink : If you like your food fresh and packed with flavour, you’re in luck! Much like its welcoming culture, Fijians cuisine is always warm, inviting and addictive! Their cuisine relies heavily on foods that are available naturally on the island. This results in delicious dishes made from fresh fish and seafood, root vegetables such as taro and cassava, coconuts, citrus fruits and meats including pork, chicken and lamb. Whilst in Fiji trying a Lovo is a must! Arguably one of the best feasts cooked in the earth- think a underground barbeque with smoked meat and vegetables yum!  The national drink of Fiji is Kava, (not Fiji Gold!) made from the pulverised root of a member of the pepper family. The drink is believed to have medicinal qualities and can leave the drinker feeling relaxed. If you want to embrace the Fijian culture this is a good place to start. Tips to safe street food in Fiji;

• Only eat at the most popular food carts, the turn-over rate is higher and therefore foof won't be left out in the heat all day
• Only chose meals cooked in front of you and avoid pre-cooked food canteens
• Stay wary of uncooked dishes such as salads and only drink bottled water
• Wash unpeeled fruit with bottled water
• Use good judgement, for instance, steer clear of a stall that looks grimy and unclean.

  Beaches:  Sandy shores and turquoise blue waters are not in short supply in Fiji. With over 300 hundred islands to choose from you'll be in your element. After the Hollywood blockbuster Castaway, was shot on Monuriki island, in the Mamanuca Islands tourism to the area shot up. If crowds aren’t your thing you could head to Honeymoon Beach on Turtle Island, Horseshoe Bay, or take the trek to Fiji's western edge and the remote beaches in the Yasawa Islands.. you won't be disappointed.

Safety speed dial

Found yourself in hot water? Should you find yourself in an emergency situation, the following emergency contacts should set you straight. New Zealand, High Commission Reserve Bank of Fiji Building, Pratt St, Suva Phone: 02 344 6300 Emergency Contact, Fiji Call 911 Or visit your local police department.  

Ready To Find Your Perfect fiji Travel Insurance Policy?

  Stuff going wrong on holiday shouldn’t be your foremost concern when planning your trip. After all you’ve got an exciting itinerary to navigate! But like it or lump it, without safeguarding your travels, all the fun stuff could be nullified in the flash of an eye.

Compare Fiji travel insurance policies today  to save time, worry and loads of money. You’ll be on your way to a relaxed, worry-free holiday quicker than you can say "Bula". Or perhaps your heading elsewhere on your holidays? Perhaps you're staying closer to home in  Australia or experiencing the delights on Singapore? No matter where your adventure takes you make sure you compare travel insurance for your next trip!!!  

Bula! Finding travel insurance is easy when you compare travel insurance!

Hayley Kennedy

Originally from the UK, Hayley took a gap ‘year’ in 2011… and it’s still going! She’s travelled all over the world, volunteering in a Ugandan orphanage, skydiving in Australia, shark diving in South Africa, and skiing in the Alps (and snapping in a ligament in the process!). Certified in Tier 2 General Insurance General Advice and working in travel insurance for over two years, Hayley is a thrillseeker and a storyteller who loves hearing about customers’ holiday plans and sharing her own tips and must-see spots to help get them inspired.

Travel Insurance Extraordinarie At Your Service

Need some help? Use the search box below to find answers to all those tricky questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!

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Our comparison is a free service that makes it easy for users to compare multiple quotes, saving both time and money. Our comparison ranks quotes according to price and is limited to those insurers that have agreed to participate on the site. CoverDirect NZ Limited does not hold a financial services licence. The comparison does not take your personal circumstances into account; as such, all information provided should be considered general and should not be considered as advice or a recommendation. Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. Pricing information is supplied by the insurance providers and ALL policy details should be verified with the before you purchase. This site links users to the website of the insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase. We do not issue insurance. Users purchase directly from the travel insurance provider.

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Comprehensive Inbound Travel Insurance

Comprehensive outbound travel insurance, inbound covid-19 travel insurance, outbound covid-19 travel insurance.

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Get your FijiCare Comprehensive Travel Insurance

Comprehensive Outbound Travel Insurance & Comprehensive Inbound Travel Insurance

Emergency Medical Assistance

to eligible foreign nationals

Global COVID-19 Coverage

with the total limit of FJ$60,000

Affordable Travel Security

on positive diagnosis of COVID

Now, Travel without any hassle!

Best Travel Insurance policies to fulfill all your needs, including COVID-19 treatment and its related adversities.

*COVID-19 covered for International Travelers coming to Fiji only.

*Tax benefits is subject to changes in tax laws. Standard T&C Apply.

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• COMPREHENSIVE INBOUND
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Travel Cover

To protect and assist you at every step of your journey.

Explore the world! We are here to protect your travel to and from Fiji.

Introducing FijiCare Travel Insurance to help you against unexpected events during your travel. With the coverage for medical and non - medical treatment expenses, we will help you enjoy your stay and journey to and from Fiji.

While a COVID-19 Negative report is mandatory to travel in and out of Fiji, there are chances for a Traveller to get contracted with the virus during their stay. A Traveller will have very few expenses (if any), subject to policy terms and conditions.The FijiCare COVID-19 Travel Insurance covers all eligible Travellers from pre-approved regions or countries.

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FijiCare is there to support you when you need us with a a suite of travel insurance options to meet your needs. Hurry, the world is waiting.

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Fantastic  Fiji

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Whether you're sunning it up in Suva or exploring the iconic islands, our Fiji travel insurance policy will cover you for unforeseen holiday hiccups.  Zoom travel insurance covers you for trip cancellation, natural disasters, lost luggage, family emergencies and more! What are you waiting for? Zoom to it!

WHY BUY WITH ZOOM

emergency assistance

No matter where you are, we're there when you need us most. Our expert emergency assistance is available 24 hours a day, 7 days a week.

riding a scooter

At Zoom, you're covered to ride a motorbike or scooter of any engine size provided you are licensed to do so in New Zealand!

COVER for your luggage

Your stuff is precious and we get that. Take off on your Fiji foray knowing your luggage is protected with Zoom.

Adventure activities

Whether you're diving off Denarau or zip-lining through Fiji's forests, get cover for your fast paced activities with our adventure pack.

kids go free

Family trip to Fiji? Save your pennies as all dependants under 19 are included under your policy at no additional cost. Say what!?

Pregnancy cover

Planning a Fiji escape before your new addition arrives? You can relax knowing you'd be covered all the way up to week 24 with no fuss.

easy claims

We've done away with lengthy forms and have kept our claims process simple. We guarantee to assess fully documented claims in a flash.

Peace Of Mind

Zoom to Zen. You can sit back and relax on your holiday knowing that you’re covered by award winning travel insurance.

FIJI TRAVEL INSURANCE  FAQ'S

Am i covered in the event of a natural disaster.

Yes, in the event that your holiday is directly affected by an unforeseen natural disaster you would be covered for cancellation, travel disruptions, additional accommodation expenses and lost deposits, depending on the plan that you purchased. However, in order to be covered you would need to have purchased a policy before news of the natural disaster hits the mainstream media.

Am I covered if I hitchhike in Fiji?

Hitching a ride isn't entirely safe in any country and we don’t recommend it.  However, with Zoom, you are covered for hitchiking provided it is legal for the country through which you are travelling. Standing at the side of the road with your thumb-out would be unexpected behaviour in Fiji.  However hitching a ride on a carrier truck on the main islands is common, particuarly with the locals.  You will often find a carrier driver with a few spare seats drive along the bus route asking if anyone needs a lift.  If you jump onboard, note that he's expecting you to pay the bus fare. The main benefit being that once the van is full, he doesn't make any more stops, so the ride is quicker than the bus. Remember to keep a good handle on your belongings though. Leaving your stuff behind on transport is considered unattended and wouldn't be covered.

Am I covered for dengue fever?

As Fiji is a tropical country, it is a high risk area for mosquito borne illnesses such as Dengue. If you fall ill while on vacation your Zoom travel insurance policy will make sure that you are able to get the medical care you need. You will be covered for Unlimited medical expenses whilst overseas.  This includes access to hospitals, ambulance, doctors and evacuation and even repatriation home if required.

How do alcohol and drugs affect my cover?

When it comes to alcohol we advise you to drink in moderation. Please note that we may exclude any claims where excessive drugs or alcohol have been involved.

Am I covered for adventure activities?

We automatically cover a wide range of adventure sports including diving, bunjee jumping and horse riding and more. You can also buy our Adventure Pack to cover additional adventure sports. 

I have high value items; how much can I insure them for?

If you have an expensive item that you just can’t leave behind you can insure it separately for up to $5,000. Please note that high value item cover is only available under our comprehensive plan .

Am I covered for muggings or pick pocketing?

Yes, you’re covered for muggings provided of course, you were acting with reasonable care (i.e. did not leave your belongings unattended). If you’re the victim of a pickpocket or bag snatching, you’d be covered for loss, theft and damage. Muggings are more common at night, particularly in Suva so keep your wits about you.  If you are robbed it’s important that you get a police report and contact us as soon as possible.

What is a dependant?

This means your dependant children or grandchildren under the age of 19 at the date of policy issue who are travelling with you.

FIJI TRAVEL  QUICK GUIDE

Fiji is a favorite island holiday for New Zealanders.   Surrounded by vivid coral reefs, sun-drenched beaches, turquoise lagoons, and the sounds of swaying palm trees, it's not hard to understand how this island paradise has gained it's popularity. With over three hundred islands to choose from, Fiji is a beautiful destination fit for a canoodling couple seeking isolation or a family of five seeking fun in the sun. Whether you're sipping cocktails from coconuts, snorkelling, scuba diving or swimiming with dophins, Zoom travel insurance has a plan suitable to cover your Fijian adventure.    Compare Zoom's Travel Insurance plans  for your Fiji holiday today.

VISAS FOR FIJI

Getting around, best time to visit , where to go, must know tips, zooming elsewhere.

Are you planning to zoom somewhere else on your holidays? Whether you're holidaying to terrific Thailand or sassy Singapore , we've got plenty of helpful advice on other popular travel destinations to check out. What are you waiting for? Zoom to it!

Zoom travel insurance offers simple, flexible travel insurance for maximum peace of mind no matter where you're zooming to.

Top Searches

Popular destinations.

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• Travel Insurance

Already with AMI? Take 10% off your travel insurance.*

*Use promo code AMICUST Discount applies to existing AMI customers and to premiums for the standard policies net of Government levies and GST (if applicable). Discounts do not apply to premiums for cover additional to standard policies or to any minimum premium.

Great options to suit your travel within New Zealand or overseas

Overseas cover & annual multi-trip cover

Our overseas travel covers medical, dental and hospital treatment*, lost luggage, and personal liability, and can get you and your family home in certain emergencies.

Travel a lot? Take out our annual multi-trip option and you’re covered for as many trips as you like, for 12 months.**

Find out more

Domestic Cover

If your plans while travelling in New Zealand change unexpectedly, we can cover the cost of cancelling or amending your flight, accommodation or rental car bookings and other expenses, up to $10,000.

Inbound Cover - Visiting NZ

Are you a non-resident visiting friends and family in NZ, or on a working holiday? Our Inbound plan can cover medical and dental expenses, luggage and travel documents, rental vehicle insurance excess, personal liability and more!

Travel Cover During Covid-19

Planning an adventure? Check out our scenario-based FAQs explaining how we could cover you if Covid-19 plays havoc with your trip: AMI Travel Cover and Covid-19 FAQs

Find out before you go – our Covid-19 Benefits Destination Guide explains how AMI Travel cover applies when travelling to different international destinations: Covid-19 Benefits Destination Guide

Still unsure? Ask us a question

Compare our Travel Cover Plans

Every driver’s different, so our car policies come with different features.

Policy benefits

Medical and dental expenses

Additional expenses

Amendment or cancellation costs

Luggage and travel documents

Delayed luggage allowance

Rental vehicle insurance excess

Travel delay

Resumption of journey

Missed connections

Special events

Hospital incidentals

Loss of income

Accidental death

Legal expenses

Personal liability

Get a travel quote now

This is only a summary of benefits provided. Please refer to AMI Travel Policy Wording for full details of the cover provided. Please read the entire document carefully to understand what this policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply.

Specific terms, conditions and exclusions apply to Covid-19. See the policy wording for the most up to date information.

* Cover will not exceed 12 months from the onset of the illness or injury. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to our Inbound Plan. ^ Cover chosen applies per policy. See the policy wording . • Item limits apply for any one item, set or pair of items including attached or unattached accessories. You may increase these item limits if you wish. See the policy wording . # If you or your travelling companion are diagnosed with Covid-19 by a qualified medical practitioner and are unable to travel, you can claim cancellation or amendment costs for your prepaid trip up to a benefit limit of $10,000 per policy on an international Plan or $5,000 per policy on a Domestic Plan or if applicable, up to the level of cover purchased for cancellation (whichever is lower). There is also no cover if symptoms or diagnosis occurred prior to buying your policy. ~ The maximum liability collectively 14, 15, and 16 is $15,000 International Plan, and $10,000 on a Domestic Plan

This is only a summary of the benefit provided. Please refer to the policy wording . For details of the cover provided. Please read the entire document carefully to understand what the relevant policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply, and this summary of benefits table may change at any time.

Before you travel

Travel safety

Find out more information about events that may affect you when you travel.

Travel tips

Our team of intrepid Kiwi travellers has come up with a list of handy travel tips to help make your holiday even better.

AMI Travel insurance is underwritten by Zurich Australian Insurance Limited ("ZAIL") incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. IAG New Zealand Limited (“IAG”), of which AMI is a business division, is not the insurer. IAG receives a commission for the issue of AMI-branded travel policies arranged through Cover-More (NZ) Limited (“Cover-More”). Cover-More administers the policy and acts on behalf of Zurich New Zealand. IAG does not guarantee Zurich New Zealand or Cover-More.

AMI Travel Website Disclaimer 12072022

Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply.

AMI Travel insurance is administered by Cover-More NZ Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640 , trading as Zurich New Zealand. For further information see Zurich New Zealand's financial strength rating .

Any advice is general advice only. Consider the AMI Travel Policy Brochure and wording therein before deciding to buy this product. IAG receives a commission for the issue of AMI branded travel policies arranged through Cover-More (NZ) Limited ("Cover-More").

IAG New Zealand Limited ("IAG"), of which AMI is a business division, is not the insurer. IAG does not guarantee Zurich New Zealand or Cover-More.

Quick and easy claims We're here for you if something disrupts your trip. Save time and submit your claim online.

Where are you going.

Worldwide including the Americas, the Caribbean and Antarctica: Antarctica (Cruising), Antigua and Barbuda, Argentina, Bahamas, Barbados, Belize, Bermuda, Bolivia, Brazil, Canada, Cayman Islands, Chile, Colombia, Costa Rica, Cuba, Dominica, Dominican Rep, Ecuador, El Salvador, Falkland Islands, French Guiana, Greenland, Grenada, Guadeloupe, Guatemala, Guyana, Haiti, Honduras, Jamaica, Martinique, Mexico, Netherlands Antilles, Nicaragua, Panama, Paraguay, Peru, Puerto Rico, St. Kitts and Nevis, St. Lucia, St. Vincent and Grenadines, Suriname, Trinidad and Tobago, United States of America, Uruguay, Venezuela, Virgin Islands.

Africa, Middle East, Indian Sub-Continent and Asia (other): Afghanistan, Algeria, Angola, Azores, Azerbaijan, Bahrain, Bangladesh, Benin, Bhutan, Botswana, Burkina Faso, Burundi, Cameroon, Canary Islands, Cape Verde, Chad, China, Central African Republic, Comoros, Congo (Dem. Rep), Djibouti, Egypt, Eritrea, Ethiopia, Equatorial Guinea, Gabon, Gambia, Ghana, Guinea, Guinea Bissau, India, Israel, Iran, Iraq, Ivory Coast, Jordan, Kazakhstan, Kenya, Korea (north), Korea (south), Kuwait, Kyrgyzstan, Lebanon, Lesotho, Liberia, Libya, Macau, Madagascar, Mauritius, Mauritania, Mozambique, Maldives, Malawi, Mali, Mongolia, Morocco, Namibia, Nepal, Nigeria, Niger, Oman, Pakistan, Qatar, Reunion, Rwanda, São Tomé and Príncipe, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, South Korea, South Sudan, Sri Lanka, Sudan, Swaziland, Syria, Taiwan, Tajikistan, Tanzania, Togo, Tunisia, Turkey, Turkmenistan, Uganda, United Arab Emirates, Uzbekistan, Yemen, Zambia, Zimbabwe.

Europe: Albania, Andorra, Armenia, Austria, Belarus, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Herzegovina, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Maderia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, Vatican City.

UK: Channel Islands, England, Northern Ireland, Scotland, United Kingdom, Wales.

South East Asia, Hong Kong, Japan: Brunei, Cambodia, East Timor, Federated States of Micronesia, Guam, Marshall Islands, Micronesia, Hong Kong, Indonesia, Japan, Kiribati, Laos, Malaysia, Myanmar (Burma), Nauru, Northern Marianas, Palau, Papua New Guinea, Philippines, Singapore, Thailand, Vietnam

South Pacific and Norfolk Island:  Cook Islands, Fiji, French Polynesia, New Caledonia, Niue, Norfolk Island, Samoa, Solomon Islands, Tokelau, Tonga, Tuvalu, Vanuatu, Western Samoa.

New Zealand Only:  New Zealand domestic travel

New Zealand Inbound Travellers :   New Zealand

Dates of Travel

Departure date (travel start date).

Single Trip - The date you depart New Zealand

Cover under the Amendment or Cancellation Costs benefit begins from the time you buy your policy. Cover under all other sections begins from the Travel Start Date you select.

Annual Multi-Trip - The date your policy will commence

Cover under the Amendment or Cancellation Costs benefit begins from the time you buy your policy. For further information, we recommend you read the definition of "Relevant Time" in the Policy Wording.

Return date - (Travel end date)

Single Trip - The date you return to your home

Annual Multi-Trip

Regardless of what you enter as the Return date, you will be quoted for a 12 month Annual Multi-Trip policy.

For further information we recommend that you read the definition of "Relevant Time" in the Policy Wording.

Traveller Details

Age of each traveller at issue date

Simply enter the age of each traveller including children.

Only use as many boxes as you have travellers.

Do all travellers live in New Zealand?

New Zealand resident travellers are able to purchase Travel Insurance policies from us to any area of travel and any country/destination.

Non-New Zealand resident travellers are only able to purchase a Travel Insurance policy if travelling inbound to New Zealand.

For Non-New Zealand resident travellers wanting to purchase Travel Insurance to travel to any other part of the world other than travel to New Zealand, please contact us as we may still be able to offer cover to you.

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 .

In this article...

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.

Get Free Consultation

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Safe Travels USA Comprehensive

January 23, 2020

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Patriot International

Patriot America

January 22, 2020

Patriot America Plus

January 21, 2020

Atlas America

January 16, 2020

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Visitcover.com is a travel insurance review portal that will help you choose the right travel insurance plan for your next trip. By bringing you unbiased, fact-checked, verified information about travel insurance companies, plans, claim processes, and everything that's usually mentioned in the fine print. Make informed decisions, with us!

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Top Travel Insurances for Fiji You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Fiji is an often-overlooked tropical paradise with crystal-clear Pacific waters, stunning beaches, and a unique Melanesian culture. Although travelling to Fiji can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Fiji and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Fiji Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Fiji:

Best Travel Insurances for Fiji

• 01. Should I get travel insurance for Fiji? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Fiji scroll down

Heading to Fiji soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for Fiji?

Yes, travel insurance is mandatory for travel to Fiji. This means that as a traveller to Fiji, you must provide valid travel insurance coverage for the entire duration of your stay. If you don't arrive with travel insurance, you risk being denied entry into Fiji, or even deported in certain cases.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Fiji or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Fiji:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Fiji. It lets you choose between various plans tailored to meet the specific needs of your trip to Fiji, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Fiji:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Fiji? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Fiji

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Outstanding Value Travel Insurance Awards

Click profile to compare 5-Star Outstanding Value Travel Insurance:

International travel, trans-tasman travel, south pacific cruise, seniors travel, 5-star international travel insurance, 5-star trans-tasman travel insurance, 5-star south pacific cruise travel insurance, 5-star seniors travel insurance.

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Canstar’s full travel insurance Star Ratings break down the best insurance providers and products for the following global holiday destinations, plus all destinations for senior travellers:

• Africa & Middle East
• Domestic Cruise
• Pacific Cruise
• Seniors – all destinations

Important information

• The Star Ratings in this table were awarded November 2023. The current features, rates and fees may be different to what was rated. The Star Rating shown is only one factor to take into account when considering a product. See our Ratings Methodology .
• The initial table display is sorted by Star Rating and then alphabetically by company.
• Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Canstar is not providing a recommendation for your individual circumstances.  See our Detailed Disclosure .
• Data in the table is updated from time to time to reflect product changes notified to us by product issuers. Check current product details and investment options with the product issuer. Consider the Product Disclosure Statement before making a purchase decision.
• The table above may not include all providers in the market and may not compare all features relevant to you. Canstar is not providing a recommendation for your individual circumstances.
• Canstar may earn a fee for referrals from its website tables, and from sponsorship (advertising) of certain products. Payment of sponsorship fees does not influence the star rating that Canstar awards to a sponsored product. Fees payable by product providers for referrals and sponsorship may vary between providers, website position, and revenue model. Sponsorship fees may be higher than referral fees. Sponsored products are clearly disclosed as such on website pages. They may appear in a number of areas of the website such as in comparison tables, on hub pages and in articles. Sponsored products may be displayed in a fixed position in a table, regardless of the product’s rating, price or other attributes. The table position of a sponsored product does not indicate any ranking, rating or endorsement by Canstar. See  How We Get Paid  for further information.

Compare Travel Money Cards

Headed off overseas and looking for the best in money cards? Here’s a rundown of some of the most popular cards in New Zealand:

The display order does not reflect any ranking or rating by Canstar.

This information is not an endorsement by Canstar of travel money cards or any specific provider. Information correct as of 20/09/23. For full pricing details see individual providers’ websites.

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What is travel insurance and why do you need it when you travel?

What is travel insurance?

Travel insurance is financial cover for emergencies, accidents or loss that might occur to you or your belongings while you are travelling either domestically or internationally.

Why do you need travel insurance?

The New Zealand government website SafeTravel recommends travel insurance for anyone taking a trip away from home, especially overseas.

If you don’t have travel insurance and you lose your luggage, have an accident, medical emergency, or legal incident, you could face huge bills.

Cancelled flights and hotel accommodation can leave you out of pocket by thousands of dollars, but medical expenses can be even worse. A health emergency overseas can end up costing hundreds of thousands of dollars.

However, if you have travel insurance, you can travel confidently knowing you can get financial help in an emergency.

What else should you do before you travel?

In addition to organising travel insurance, before you leave:

• If you are going overseas, visit the SafeTravel website’s Travel Advisories page to ascertain the current risks of travelling to your chosen destination. If a country is flagged with a “Do Not Travel” advisory, be aware that you may not be able to obtain insurance for the trip.
• Regardless of where you are going, register your plans with SafeTravel. Your details will be stored securely and only used to reach you in an emergency.
• Ensure you have all the relevant travel documentation to take with you on your trip, and that a trusted friend or relation in NZ has a copy, too.
• Record the contact details of the New Zealand Embassy in your country of destination – just in case you need it.

Types of travel insurance and what they cover

There are two types of travel insurance cover policies.

1. Domestic travel insurance

Domestic travel insurance policies usually cover you for events such as:

• Lost or stolen luggage or other items
• Cancelling your trip unexpectedly due to illness, accident, holiday leave being revoked, or a natural disaster at home or at your intended destination
• Rental vehicle excess you have to pay if you have an accident driving a hire car
• Legal liability: the vast majority of policies researched include coverage for legal liability. Don’t take this as an excuse to break the law, though – you may end up invalidating your policy!

Domestic travel insurance usually doesn’t cover you for:

• Medical cover. However, this is not a big problem because, as long as you’re in New Zealand, you can still access publicly funded health services or your private health insurance , if you have it
• Certain “hazardous pursuits”. If you’re doing dangerous activities on your holiday, such as skiing, scuba diving, bungee jumping or rock climbing, you need to disclose it on your application. However, even if you disclose it, you still might not be covered for an accident that happens because of that activity, as it may be excluded from the policy. Ensure you read your policy terms and conditions carefully

2. International travel insurance

International travel insurance policies usually cover you for events such as:

• Medical or dental emergency. Typical emergency medical cover will include hospital admission, emergency care and medical evacuation to another country’s hospital. If your medical situation is not an emergency, it is recommend you contact your insurer before you receive treatment, to check if it’s covered by your policy
• Repatriation if you fall sick overseas and need to be evacuated back to NZ for treatment. Or if tragedy strikes, repatriation covers the cost of flying your body and belongings back home to NZ. Some travel insurance policies also include a separate sum for funeral expenses
• Lost or stolen luggage, passport or other items. Replacing luggage and travel documents is the most common claim for travel insurance
• Legal liability if you break a local law and need a lawyer and/or interpreter. Ignorance of local law is no excuse in most countries, so make sure you check SafeTravel before you depart. For example, in some Muslim countries it is an offence to wear a bikini on a public beach. If you break a law on purpose, your travel insurance policy may not cover your legal fees

International travel insurance usually doesn’t cover you for:

• High-risk countries. Check the government’s SafeTravel website for the travel advisory status of your destination. Countries flagged with a “Do Not Travel” advisory may not be covered under your policy
• Risky behavior. Any injury or loss caused by you behaving recklessly while you were under the influence of alcohol or drugs can be excluded from cover. This doesn’t apply to medication prescribed to you by a doctor and taken as prescribed
• Pre-existing medical conditions. If you have experienced symptoms of a condition before travelling, even if the condition wasn’t diagnosed, medical expenses for it will generally not be covered. Read your policy’s terms and conditions carefully
• High-value items. Many policies have a dollar limit that you can claim for each item, which may not be as much as it costs to replace the item
• Notification period. Your policy may specify that you need to notify your insurer of an accident or event within a specified timeframe, such as 24 hours. It’s important to be aware of that notification period and to call your insurer as soon as you can, in the event of a potential claim
• Loss of items left unattended. Keep an eye on your belongings at all times. You might not be covered if you leave your wallet and keys wrapped in a towel on the beach, or hidden in a shared room, or even in your checked-in luggage
• Hazardous pursuits. Dangerous activities such as scuba diving, bungee jumping, rock climbing, off-piste skiing and hang-gliding are usually excluded, but they can often be added to your policy for an extra fee. Also be aware that riding a moped or motorcycle overseas might also not be covered, even if you are legally entitled to ride one in NZ

NB: No travel insurance policy will cover you for every single thing that might go wrong while you’re away, so it’s important to read your policy’s terms and conditions carefully to discover the full extent of your cover.

Travel insurance glossary of terms

• Accident : An unexpected, unforeseeable, or unusual event that was unintended and caused loss or harm while you are on a trip covered by your policy.
• Accommodation : Any type of dwelling or lodging that you pay a fee to stay in overnight.
• Additional expenses : Additional expenses for accommodation and transportation that occur because of events such as illness, natural disasters, loss of travel documents, and transport union strikes.
• Beneficiary : The person who would receive compensation from your insurance policy if you were to pass away during your travels.
• Benefits: What your insurance provider gives you according to the terms of your policy. Benefits can apply if you make a claim or they can apply if a certain event happens, e.g. during an emergency.
• Cancellation or amendment costs : The cost of cancelling, changing, or rearranging your journey because of unforeseen circumstances outside your control such as illness, accidents and extreme weather events.
• Claim: A request for your insurance provider to pay certain expenses back to you in accordance with your policy.
• Cover or coverage : The extent of protection given to you by your policy. If you are covered for an event, it means that you can claim back from your insurance provider a specified amount of expenses you incurred during that event.
• Current market value : The amount of money you could get for an item if you sold it in the current local market. This amount is based on the original cost, the current condition and age of the item, and what it could be sold for in its present state.
• Damage: Harm or injury to a person or property, resulting in the property losing value or not being able to be used properly.
• Disability : A physical or mental condition that restricts a person’s movements, senses or activities. A disadvantage or handicap, especially one imposed or recognised by the law.
• Emergency medical care : Medical care that is needed in an unexpected emergency. This does not include any type of regular medical care or foreseeable medical needs.
• Endorsement: Any special condition listed on your insurance policy as an extra reason for you to buy the policy.
• Excess: The excess is an amount that you pay instead of the insurer, e.g. “the first” $250 or $500 of a claim. Insurers usually have either a policy with different excess options that you choose between, or separate policies that each have a different excess amount. You can pay a lower premium if you have a higher excess, but you need to be sure that you could afford to pay the excess unexpectedly if you had to make a claim.
• Exclusions : Anything that is not covered by your policy. Common exclusions include travel to high-risk countries, dangerous activities such as bungee jumping, risky behaviour, such as taking alcohol or drugs, pre-existing medical conditions, and loss of items left unattended.
• Home: Your usual place of residence in New Zealand.
• Incidental:  Costs associated with an unexpected covered event, which are not directly related to the event.
• Inclusions: Any event, item or expense that is covered by your policy.
• Injury: Anything that physically harms you and occurs by accidental or violent means, which is covered by your policy.
• Journey: One of the terms insurers use to talk about the period you’re covered for, from the time you leave home until the time you return to your home. Also known as your trip, voyage, or travels.
• Limit/benefit limit: Policies have a limit on the amount of benefits you can claim per year or per journey.
• Luggage and personal effects: Personal items that you own or carry with you on a trip that is covered. This includes but is not limited to: suitcase or backpack, clothing, jewellery, computer or laptop, your phone and other portable electrical devices or equipment.
• Medically necessary: Medical treatment that is needed to preserve your health, is suitable to treat your symptoms, and can be safely provided in your current location. This does not include treatment or procedures that are performed in your current location because it is merely convenient.
• Natural disaster: An event caused by nature and not by any human activity, including earthquakes, storms, bushfires and floods.
• Overseas medical expenses: Expenses incurred overseas for ambulance transport, hospital admission, surgical nursing, and emergency dental treatment.
• Period of cover: The time your travel is covered by your policy.
• Personal liability cover: Cover for costs incurred for which you are legally liable. You are legally liable if your negligence causes loss or damage to someone else’s property. Personal liability also covers you for injury to a person who is not a member of your family or travelling party. Personal liability cover does not cover damage you caused deliberately or that breaks the law; damage caused by your business or your employee; your ownership or use of a vehicle, aircraft or watercraft; or you passing on an illness to someone else.
• Policy:  The travel insurance contract you have taken out with an insurance provider.
• Pre-existing condition: A medical condition that existed in any form before you signed up for the insurance policy, whether or not you had your symptoms examined by a health practitioner. Your policy may usually list a time limit for the condition to be pre-existing, e.g. you have seen a medical practitioner in the past 90 days before you started your journey, or you have been prescribed a medication within the past 60 days.
• Premium: The amount you pay your insurance provider for your travel insurance cover. Your premium must be paid on time for your travel to be covered.
• Reasonable: When associated with an expense or cost, “reasonable” refers to what is usual, needed, and matches the standards of your previously scheduled travel.
• Refund: Cash or company credit that can be given to you as reimbursement for your expenses, according to the terms of your policy.
• Rental car insurance excess : The excess charged if your hire car is damaged or stolen.
• Resumption of journey benefit : The benefit you receive if you claim the expense of resuming your travels. You can make a claim if you had to return to New Zealand suddenly due to a serious injury, illness, or the death of one of your relatives or business partners in New Zealand.
• Sudden illness or serious injury : Illness or injury that occurs during your period of cover and requires immediate treatment by a health practitioner.
• Travel delay : Scheduled transport that is delayed by over six hours. Scheduled transport can include plane flights, trains, trams, buses, ferries or cruises.
• Unforeseen: Any circumstance that is out of your control. This can include illness, accident, cancelled flights, or natural disasters.

Which travel insurance providers are assessed by Canstar's ratings?

Products from the following travel insurance providers were rated in Canstar’s 2023 Travel Insurance Star Ratings and Awards:

• 1Cover Direct Insurance
• AA Insurance
• Air New Zealand
• American Express
• Chubb Insurance
• Cover-More Travel Insurance
• House of Travel
• Southern Cross Travel Insurance
• World Nomads

Recent Award Winners

View Canstar's Outstanding Value Travel Insurance Awards

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If you are planning international travel at this time, please read our COVID-19 related travel advice here , alongside our destination specific travel advice below.

Exercise increased caution

Exercise increased caution  in Fiji (level 2 of 4).

Crime Theft and assault have been reported by locals and tourists alike, with most occurring at night and in urban areas. We advise New Zealanders to avoid poorly lit areas at night, particularly in Suva. Female travellers can be subject to sexual harassment and there have been incidents of sexual assault against tourists. Female travellers should take extra care, and avoid walking alone, particularly at night.

Petty crime against visitors, such as bag snatching has been reported. While violent crime towards foreigners is not common, foreigners may be the targets of opportunistic crime, such as theft, robbery and home invasion. We advise New Zealanders to be alert to their surroundings at all times and take steps to safeguard and secure their personal belongings. Remain vigilant on public transport, including in taxis. Theft of valuables including passports from hotel rooms and vehicles has been reported and particular care should be taken to secure these items. Tourists have been targeted at the main international airports of Nadi and Nausori, with the opportunistic theft of passports and unattended luggage.

There have been spates of credit card fraud in the past in Fiji, including use of credit card skimming devices or other types of data theft. New Zealanders are advised to take extra care when paying with credit cards or withdrawing money from ATMs. This includes covering your PIN number when entering it, keeping your cards safe and carefully checking credit card statements to ensure no fraudulent charges are present.

Security Situation The security situation in Fiji is stable. Fiji has experienced periods of political instability in the past and New Zealand citizens throughout Fiji are advised to avoid demonstrations, street rallies and areas of military exercises and operations. There can be limitations on judicial redress for decisions made by authorities.

General Travel Advice New Zealanders are advised to respect religious, social and cultural traditions in Fiji to avoid offending local sensitivities. Modesty and discretion should be exercised in both dress and behaviour, particularly outside of tourist areas and when visiting villages.

Tropical Cyclone season runs from November to April, but cyclones may also occur outside of this period.  In the event of a cyclone or any other natural disaster, follow the advice of local authorities and your hotel or resort management.

New Zealanders undertaking tourist activities in Fiji, including travel between islands and adventure activities such as scuba diving, should check that they are covered by their travel insurance policy. Always use available safety gear such as life jackets or seatbelts, and use another provider if these are not available.

Medical services in Fiji can be limited. We advise New Zealanders travelling or living in Fiji to have a comprehensive travel insurance policy in place that includes provision for medical evacuation by air.

New Zealanders in Fiji are encouraged to  register their details  with the Ministry of Foreign Affairs and Trade.

  Travel tips

• For current health alerts

The New Zealand High Commission Suva, Fiji

Street Address Reserve Bank of Fiji Building, Pratt Street, Suva, Fiji Postal Address PO Box 1378, Suva, Fiji Telephone +679 331 1422 Email [email protected] Web Site https://www.mfat.govt.nz/en/countries-and-regions/australia-and-pacific/fiji/new-zealand-high-commission/ Hours Mon - Fri 0800-1200, 1300-1630 hrs

See our regional advice for the Pacific

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New zealand high commission fiji.

Telephone: +679 331 1422

Email: [email protected]

Website: https://www.mfat.govt.nz/en/countries-and-regions/australia-and-pacific/fiji/new-zealand-high-commission/

Hours: Mon - Fri 0800-1200, 1300-1630 hrs

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International Basic

Essential cover designed for New Zealand travellers on a budget.

Pre-trip cover if you're diagnosed with COVID-19

On-trip cover if you're diagnosed with COVID-19^##

Unlimited~ overseas emergency medical expenses^

Up to $5,000 luggage cover

Existing medical conditions cover available

Optional cancellation cover

Single Trip policies

Annual Multi-Trip policies^

Rental vehicle insurance excess

International Comprehensive

Extensive cover and benefit limits to provide extra financial protection.

Pre-trip cover if you're diagnosed with COVID-19#

On-trip cover if you’re diagnosed with COVID-19 while travelling^##

Up to $20,000 luggage cover*

Optional cancellation cover with Cancellation Extensions

Single Trip or Annual Multi-Trip^^ policies

Rental vehicle comprehensive cover

International Comprehensive +

Everything our Comprehensive Plan includes and more + some higher benefit limits.

Pre-trip cover if you’re diagnosed with COVID-19 before travelling#

Up to $30,000 luggage cover*

Business trip benefits

~* Item limits apply.

~ Cover will not exceed 12 months from onset of the illness, condition, or injury.

^ For expenses relating to ocean or sea-going cruises, cruise-related expenses, Cruise Cover must be included in the policy. There is no cover for cabin confinement related to COVID-19.

^^ Policy availability subject to age, trip duration and area of travel. Policies may not be available to all travellers.

# Up to $10,000 per policy (or the amount chosen if this is less) applies to International Comprehensive+ Plan policyholders with amendment or cancellation costs included. If the policy was purchased less than 21 days before the departure date, this benefit limit applies only to costs paid after the purchase date and within the 48 hours prior to the purchase date. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply.

## Up to $10,000 per policy (or the amount chosen if this is less) applies per policy for policyholders with amendment or cancellation costs included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply.

Searching for COVID-19 cover?

To help you explore the world with more confidence, our travel insurance provides cover for COVID-19-related:

Overseas medical costs*~#

Amendment and cancellation costs*^

Additional expenses*#^

*Limits, sub-limits, conditions, and exclusions apply.

~Medical cover will not exceed 12 months from onset.

#Cover for medical costs related to COVID-19 is not available on our Domestic Plans.

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When adventure awaits... we can help provide cover.

Setting sail for two or more nights? You'll need to let us know and Cruise Cover will be added to your policy.

Snow Sports

Hitting the slopes? Consider protecting your winter getaway with one of our two levels of Snow Sports Cover.

Adventure Activities

Planning on engaging in extreme activities? We've got two additional Adventure Activities Cover options for you.

Motorcycle & Moped

Want to take to the road on two wheels? See if our Motorcycle/Moped+ Cover option is right for your trip.

We're by your side when you need us most

We've been protecting New Zealand travellers for over 17 years. Read our customers' Cover-More travel insurance reviews to discover how our expert team provides exceptional care during uncertain times.

Mosquito bite in Bali

Senka contracted Dengue fever in Bali, Indonesia, and spent five days in the hospital.

"When I was in hospital I spoke to Cover-More every day, and because I was in Bali on my own that was so reassuring."

Hip fracture in Australia

Diane’s father, John, fractured his hip on holiday in Australia and required surgery.

"Cover-More has been absolutely fantastic, I cannot fault them. They were in touch with me every day and they checked up on us to make sure dad was OK."

Repatriation from Cook Island

Tom suffered a stroke on the first day of his holidays on the Cook Islands and had to be repatriated home.

"With all the help and care that I got, I’ve really dodged a bullet, and I couldn’t ask for anything more."

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Have an EMC? We can provide cover for various conditions to help keep you exploring, safely.

We can help protect you while you cruise

Hopping aboard a cruise ship on your next trip? Discover how our Cruise Cover could help safeguard you.

What you should know before you hit the slopes

Planning a ski trip at home or abroad? Don't depart without considering our snow sports cover.

Got a question about travel insurance? We're here to help

What is travel insurance.

Travel insurance is a specific type of insurance that helps cover several costs and disruptions when travelling both domestically and overseas. Levels of cover differ per plan; however, travel insurance can typically help protect against trip cancellation, delays, lost luggage and personal belongings, overseas medical expenses and repatriation, and personal liability.

Most travel insurance providers offer single or multi-trip policies, which can cover multiple countries within a specific timeframe. Things like the destination, length of trip, optional additional cover for specific activities and pre-existing medical conditions all help determine the cost of a travel insurance policy.

How much does travel insurance cost?

The cost of a travel insurance policy varies from traveller to traveller because various factors affect the amount payable.

At Cover-More, we consider a number of factors when calculating the total amount payable. The following is a guide on these key factors, how they combine and how they may impact the assessment of risk and therefore the premium paid:

• Area: higher risk areas cost more.
• Departure date and trip duration: the longer the period until you depart and the longer your trip duration, the higher the cost may be.
• Age: higher risk age groups cost more.
• Plan: International Comprehensive+, which provides more cover, costs more than International Comprehensive or Domestic.
• Excess: on some policies you can choose the excess amount.
• Cruise cover: additional premium applies.
• Cancellation cover: on some policies you can choose your own level of cancellation cover. The more cancellation cover you require, the higher the cost may be.
• Adding cover for Existing Medical Conditions and pregnancy (where available): additional premium may apply if a medical assessment is completed and cover is accepted by us.
• Options to vary cover (where available): additional premium applies.

While a cheaper policy cost upfront may seem appealing, always read the Policy Wording to ensure your needs are adequately covered should an incident occur.

How does travel insurance work?

Travel insurance protects you when travelling domestically or internationally by providing coverage against unforeseen circumstances that may impact your travel plans. By purchasing travel insurance with cancellation cover prior to departure, your policy can help by providing cover for the costs of trip cancellations should you no longer be able to travel, as well as the costs of overseas medical treatment, lost passports, and personal items while you’re travelling.

The customer usually pays for these costs upfront, before being reimbursed by the travel insurer upon claim approval. To approve a claim, travel insurers require documentation such as medical reports, itemised medical bills or police reports to confirm the incident occurred.

However, at Cover-More, if our customer becomes ill overseas, they can also contact our 24-Hour Emergency Assistance team for support and to seek approval for expensive medical bills to be paid directly by us to the medical care provider/s instead.

Always read the Policy Wording before purchasing a travel insurance policy to ensure it provides adequate coverage for your circumstances.

What does – and doesn’t – travel insurance cover?

Unfortunately, travel insurance can’t cover absolutely everything. This highlights the importance for travellers to read the  Policy Wording  before purchasing to avoid becoming frustrated if claims are unsuccessful. It will contain details on the situations you likely won’t be covered in, including cancellation, pre-existing medical conditions, theft or loss of belongings, adventure sports, COVID-19 scenarios and more.

For full details of the exclusions within our Cover-More travel insurance plans, consult the  Policy Wording .

When is the best time to purchase travel insurance?

The best time to purchase travel insurance is as soon as a trip is booked, as this can increase protection. When purchased ahead of time, a Cover-More customer can cancel their travel insurance policy for a full refund within the 21-day cooling-off period. If the policy is purchased before departing on the trip, claims for rearrangements and cancellations caused by unforeseen circumstances can also be made where cancellation cover is added to the policy.

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Travel insurance

Travel insurance helps cover you if something happens to you or your belongings while travelling and can include cover for illness, accidents and flight delays.

On this page

When you need travel insurance.

It's best to buy travel insurance as soon as you make your first booking – this ensures you're covered if you need to change or cancel any of your plans before your departure date.

The main reason you may need travel insurance for a domestic trip is to cover your costs if your trip needs to be cancelled or delayed due to unforeseen circumstances.

When you're travelling in New Zealand:

• your belongings are usually covered by your normal contents insurance – check your policy to make sure
• you're covered by the health system and ACC if you get sick or are injured.

If you're travelling overseas, you need travel insurance. Your usual contents or medical insurance does not cover you when you're outside of New Zealand.

Some countries, including Fiji, require proof of valid travel insurance to enter the country.

What travel insurance covers

Most travel insurance will cover you for:

• cancellations and delays due to unforeseen circumstances – like bad weather, an accident that means you can't continue your trip, or the death of a close relative at home
• medical treatment if you’re injured or get sick – including travel home if you need it
• lost or delayed luggage
• damaged or stolen personal items
• accidental damages or legal expenses you incur while overseas – except for motor vehicle accidents, which need to be covered with separate rental insurance.

Travel insurance won't cover you if you just change your mind about your trip, including if you want to cancel because there's been a terror attack at your destination.

You also won't be covered if a 'do not travel' advisory is issued for your destination, or to embargoed countries and you choose to travel anyway.

Travel advice levels (external link) — SafeTravel

Your rights

Insurers operating in New Zealand must comply with consumer law, including the Consumer Guarantees Act and Fair Trading Act. They don’t apply if you book insurance with an overseas provider while overseas.

Consumer Guarantees Act (external link)

Fair Trading Act (external link)

Most insurers also follow the Insurance Council of New Zealand's Fair Insurance Code, which includes agreeing to:

• provide a professional service
• give accurate information
• explain terms and conditions, and exclusions – if you need them to
• tell you if anything changes
• settle claims fairly and in a reasonable amount of time
• protect your privacy
• have a fair complaints process
• act on feedback and complaints.

When you take out travel insurance, you must:

• tell the truth and give insurers the information they ask for – called disclosure
• report stolen items or accidents as soon as they happen
• follow instructions from your insurer – for example, to keep receipts or go to a specific hospital
• keep receipts for costs incurred or for items purchased
• take reasonable care – for example, lock rental car doors and don't put valuable jewellery or prescription medicine in checked-in luggage.

Choosing the right travel insurance from an insurer, travel agent or bank

You can buy travel insurance directly from an insurer, or through a travel agent or through your bank.

If you have a premium credit card (for example a 'gold' or 'platinum' card), it may come with built-in travel insurance. It’s important to read policy terms and conditions carefully and weigh up whether comprehensive travel insurance is a better way to go.

The cost of the insurance will depend on:

• how long you'll be away
• your age – cover can cost more if you're older, and some policies include dependent children for free
• the excess you want to pay if you need to make a claim – some insurers let you pay more for a lower excess, or vice versa
• the activities you're planning while away – some insurers charge extra for ski or snowboarding trips, and some won't cover things like scuba diving or rock climbing
• the type of policy you choose – a comprehensive policy will cost more than a budget one, but will provide you with more cover.

If your credit card comes with travel insurance:

• check the requirements to activate the insurance – you may need to pay for your flights or travel expenses using your card
• check your card's policy covers your plans – including the length of your trip and any activities you're planning
• pre-existing medical conditions usually aren't covered – contact the insurer to see if you can add cover for a fee
• you may have to pay a higher excess when making a claim.

Getting the travel insurance you need so that everything is properly covered

Every policy is different. Read the policy wording and check the limits carefully before you purchase – and if you're not sure about anything, ask your insurer for more information.

Travel insurance covers the belongings you take away with you. Your policy will usually have a total limit for all your belongings, and individual limits for valuable items like computers and jewellery.

If you're taking items that are worth more than the limits, you can usually choose to pay extra to increase the cover on these items if you want to. Check with your insurer.

If you need to make a claim, the insurer can usually choose to:

• replace the item
• repair the item, or
• pay you the value of the item in cash.

If your baggage goes missing or an item is stolen, report it to the authorities and contact your insurer straight away. Check your policy wording for any time limits – for example, you may need to contact the police within 24 hours of a theft.

Cover specific to international travel

New Zealanders are entitled to free emergency medical care in the UK and Australia.

Medical care and expenses

Pre-existing conditions.

Pre-existing illnesses or injuries are not usually covered by travel insurance.

Some insurers have a list of pre-existing conditions that they automatically cover. If your condition is not on the list, you may still be able to add cover for an extra fee – talk to your insurer to find out more.

Medical expenses

Travel insurance covers the cost of treatment if you're injured or get sick while you're away. It may also pay to get you home if you're unable to continue your trip. Check your policy to find out what you're covered for and when – a comprehensive policy will give you more cover than a basic one.

Dental treatment

Travel insurance usually only covers dental treatment for repairs or pain relief if you injure healthy teeth.

If you're injured in an accident overseas, ACC may be able to help with treatment costs once you're back in New Zealand.

If you're a New Zealander injured overseas (external link) — ACC

Personal liability

Personal liability covers you for accidental damages (and any related legal expenses) incurred while you're overseas. Personal liability cover usually only comes with comprehensive travel insurance policies – check your policy to find out what you're covered for and up to what amount.

You won't be covered if you were found to have committed the damage:

• on purpose, or
• recklessly – including if you were under the influence of alcohol or drugs.

Personal liability doesn't cover you for motor vehicle crashes – including for scooters or mopeds over a certain capacity (often 200cc). You'll need separate insurance for any vehicles you rent. (Some policies may cover the rental insurance excess, though.

What's not covered?

You're not covered:

• if you just change your mind about wanting to travel – even if there's been an act of war or terrorism at your destination, unless a 'do not travel' advisory has been issued
• for medical expenses related to Covid-19 if you get it either in a destination that has a 'do not travel' advisory issued because of COVID-19 risks, or you haven't followed the vaccination and testing requirements of the airlines you're flying with and the countries you're visiting
• for elective medical or dental treatment (treatment you choose to have, rather than treatment you need)
• if an accident happens while you're under the influence of alcohol or drugs.

If you're staying in an AirBnB or holiday home rather than a hotel, check your policy wording – some insurers won't cover you for any accidental damage you cause while you're there.

Most comprehensive policies cover non-refundable travel and accommodation costs if something happens (like an illness or accident) that means you need to cancel or cut your trip short.

Your policy may also provide cover for alternative transport or extra costs if you have an unavoidable delay – for example a cancelled flight or missed connection.

Check your policy for the details and conditions that apply to you – for example, you may not be covered if your trip has to be cancelled due to a natural disaster.

Making a claim

• Call your insurer as soon as you can if you need to make a claim – you may need to get big expenses like hospital bills pre-approved.
• If you've lost belongings or they've been stolen, report the loss to police straight away. Insurers often require paperwork to show you've done this within a set time – check your policy.
• Keep all receipts and documents related to a claim so you can send them to the insurer. You can't claim for something if you don't have evidence.
• If your claim is declined, follow the steps below – especially if your claim falls into a grey area, for example whether or not you left your bags 'unattended'.

Steps to take to ensure your travel insurance claim is successful

Complain to your insurer.

Many people can sort out their problem directly. Your insurance company will have a complaints process, for example, if you're unhappy with the outcome of a claim, a different assessor will look at your case.

Tips when complaining:

• Be clear it's a complaint: To make sure your issue is dealt with following your insurer's internal complaints process.
• Stick to the facts: Explain the problem in detail and provide any evidence you have.
• Tell them what you want: Be clear what you expect to fix your concern.
• Take time out, if needed: If the conversation is getting heated or you need time to consider their response, call or email back another time.
• Take notes: Write down the date you formally complained. Insurers must acknowledge your complaint in 5 business days and respond to it in 10 business days. For your own records, it may be best to put your complaint in writing, especially if it is complicated.

Contact the insurer's dispute resolution scheme

All insurers must belong to a disputes scheme. Contact them:

• for guidance before talking to your insurer
• if you and your insurer are finding it hard to agree.

Their services are free.

Dispute resolution schemes are neutral — meaning they look at facts from both sides. They might help you and your insurer settle your complaint by talking it through, for example, with mediation. If this isn't possible, they will make a recommendation — sometimes calling on another expert, such as a loss adjustor, for extra advice.

Your insurer must act on whatever the scheme recommends. But you don't have to accept their recommendation if you don't agree. Speaking to a lawyer would be your next step if this were the case.

There are two dispute resolution schemes who look at insurance-related complaints:

• Financial Services Complaints Limited (FSCL) (external link)
• Insurance and Financial Services Ombudsman (IFSO) (external link)

Take it further

Commerce commission.

Report your insurer to the Commerce Commission if you think:

• you have been misled
• they have said something untrue, such as telling you the policy covered something it doesn't
• they have pressured you into taking out a policy you did not want.

The Commerce Commission can't investigate every complaint, or solve your individual problem. But they can warn or prosecute the business. Your information helps them assess which consumer issues are causing the greatest harm.

Make a complaint (external link) — Commerce Commission

Get support at any point from:

• Citizens Advice Bureau (CAB) — a free, independent service, run by volunteers. CAB can advise you on your consumer rights and obligations, in person, by phone, or online.
• Community Law Centre — offers free one-on-one legal advice to people with limited finances. The organisation has 24 community law centres throughout the country. You can find legal information and other resources on its website.

Find a CAB (external link) — Citizens Advice Bureau Our law centres (external link) — Community Law Centres

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What does travel insurance not cover? Why travellers should understand force majeure events

Sarah Pollok

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Events such as the civil unrest in Noumea, New Caledonia, could void a traveller's insurance or bookings. Photo / AP

When planning a trip, no one wants to consider the many ways things could go terribly wrong. Yet, the reality is that earthquakes, labour strikes, pandemics and floods don’t stop because we’re on holiday.

In the past few weeks, the lives of locals and travellers have been upended by riots in New Caledonia , Iceland’s volcanic eruption and Indonesia’s freak flash flood.

Tourism businesses such as airlines, hotels, tour groups and travel insurers know these events can come out of nowhere. For this reason, many terms and conditions include a little something called a Force Majeure clause.

French for “major force”, a force majeure is a clause you’ll find in many contracts. Essentially, it removes liability for extraordinary, unforeseen events beyond the parties’ control and prevents them from fulfilling obligations.

These could be social or government actions (war, civil unrest, labour strikes), or natural disasters (fire, storms, floods) and while they’re in various types of contracts, travellers should know what they are for key businesses they book with.

One often sees a force majure clause work out with domestic flights in New Zealand, as airlines are not obligated to provide refunds or compensation if a flight is delayed or cancelled for reasons outside its control (AKA a force majure).

It can also catch out travellers who endure a major disruption and then realise their travel insurer will not cover the resulting expenses, which can be unusually high following something like civil unrest or an earthquake.

In the wake of Europe’s extreme heat waves , which caused emergency evacuations and ruined holidays for thousands, some insurance companies announced plans to include heatwave cover.

How do you know what travel insurance covers?

A good insurance company will clearly state exclusions in its product disclosure statement (PDS). For example, Southern Cross Travel Insurance PDS clearly states: “We won’t cover any claims, costs or losses or liabilities directly or indirectly arising from, related to or associated with the following,” and lists examples including war, invasion, or and government restrictions.

Southern Cross states travellers are covered in instances of riot or civil commotion if it begins after you depart on your trip and you “try your best to avoid it”.

How do you know what your tour operator covers?

As for tour companies, airlines, hotels and other tourism businesses, you must read the Ts&Cs before you finalise a booking or payment, as this is when you’re typically asked to agree to the Ts&Cs. If you find it difficult to find them, contact the company directly.

Between airlines and tax companies, group tours and accommodation, one could easily engage with a dozen or more tourism providers during a holiday. If the thought of sifting through legal documents for every company feels overwhelming, at least comb through the Ts&Cs of companies you’re spending significant money with, such as airlines and accommodation.

Reading the policies means you know exactly what you’re entitled to if things go awry before or during your holiday.

If a force majure occurs, will I be left high and dry?

It’s worth noting that a force majure clause may mean a company is not legally obligated to offer refunds, compensation or assistance during a major event. However, this doesn’t stop companies from deciding to help anyway.

If the force majure occurs before the trip takes place, it’s not uncommon to see operators offer refunds or credits. If the destination becomes dangerous during the trip, a travel operator may decide to help customers, especially if they value customer relationships or are a premium product.

For example, when a major earthquake occurred on the final night of my Intrepid trip in Morocco, the company wasn’t legally responsible for helping me pull my departing flight from Marrakesch forward two days. Yet, the company’s commitment to customers meant they chose to assist.

The important part for travellers is knowing the bare minimum their tour operators and travel insurance will cover when the unexpected happens. Because when locals set fire to a town and you’re locked in your hotel, or a severe tornado warning barrels towards you, the last thing you want is to be caught without support.

Other exclusions to be aware of

A force majure isn’t the only term you should look out for in travel insurance. Travellers should pay close attention to other exclusions before participating in an activity that could leave them with a hefty bill.

For example, in July 2023 an Australian man was left with a $400,000 bill after a trip to Bali went wrong and he realised this activity was not covered by his insurance.

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