cook island travel insurance

17 things you need to know before going to the Cook Islands

Jan 24, 2024 • 8 min read

These top tips on things to know before you go can help you plan the perfect trip to the Cook Islands © Matteo Colombo / Getty Images

Scattered and remote in the South Pacific, the Cook Islands are a taste of tropical perfection.

At 3234km (2009 miles) from the nearest major landmass, this is a far-flung destination for most travelers. But if you make it all the way here, you'll discover that this is a straightforward place to visit. The Cook Islanders are famously welcoming and friendly, English is widely spoken, and you'll find an easygoing mix of 21st-century sophistication and traditional Polynesian values.

Framed by the wild blue expanse of the planet’s biggest ocean, these isolated isles are one of the world's great getaways. The secret to a successful trip to the Cook Islands is to do some prep ahead of time. Here are some pre-departure tips to help you plan your time in this fascinating island nation.

1. Keep an eye on the weather in the South Pacific

The Cook Islands are warm year-round, but some seasons are better for travel than others. With drier weather and lower humidity, May to October is a great time to visit . From November to April, the weather is warmer but also wetter – however, rain showers are often short and sharp, clearing after a sudden downpour to a blue sky. December to January is the cyclone season – storms can bring heavy rain and strong winds, but the islands are not severely impacted every year.

2. Check your dates ahead of South Pacific time travel

Traveling to Rarotonga from New Zealand , flights cross the international date line, arriving in the Cook Islands on the previous day. Double-check accommodation to ensure you've booked the correct dates. Similarly, traveling back from Rarotonga to New Zealand, travelers lose a day, and arrive in Auckland the day after they departed.

3. There aren't many direct flight options

Rarotonga is linked by direct flights to Auckland, Sydney, Honolulu and Tahiti, with  Air New Zealand 's service from Auckland to Rarotonga being the only daily international option.

Once you reach Rarotonga, things get easier – Air Rarotonga , the Cooks’ national airline, has regular flights from Rarotonga to the country's Pa Enua (Outer Islands), including the popular islands of Aitutaki and ‘Atiu.

4. Avoid the Australian and Kiwi school holidays

The Cook Islands, especially Rarotonga, get very busy with vacationing families during New Zealand's and Australia's school holidays, putting pressure on prices and availability for accommodations and flights. These breaks usually fall in the two weeks following Easter, the first two weeks in July, and the first few weeks in October. The dates move slightly each year, so check the timings on New Zealand's Ministry of Education website and the education websites for Australia's different states.

Cook Islanders living in New Zealand often visit family in the islands for Christmas and New Year, and also for the annual celebrations leading up to the islands’ Constitution Day on August 4. Prices for accommodations and airfares usually increase around this time too.

5. Fresh local produce makes self-catering accommodation a good choice

Rarotonga and Aitutaki both offer all-inclusive resort accommodations, but consider renting a self-contained holiday house or beachside bungalow. Having your own fully-equipped kitchen and barbecue facilities increases the options for self-catering, and it's easy to buy local fish and pick up fresh vegetables and fruit from Rarotonga's Saturday morning Punanga Nui market. There are also well-stocked supermarkets on Rarotonga, but goods imported from New Zealand and other far-flung places can be expensive. Camping is not possible on any of the Cook Islands, but there are a couple of hostels in Rarotonga for budget travelers. 

6. Get a phone SIM on arrival for cheaper net access

Free internet access is hard to find on the Cook Islands, but Vodafone Cook Islands offers wi-fi hot spots around Rarotonga and Aitutaki that can be accessed for a reasonable cost via prepaid vouchers. Vodafone also sells a Travel eSIM package incorporating 10GB of data, 30 minutes of international calling and 300 TXTs. Vouchers and Travel SIMs are both available from Vodafone's booth at Rarotonga airport.

7. Take a credit card and carry some New Zealand dollars

New Zealand dollars are the primary currency in the Cook Islands and bills can be withdrawn from ATMs on Rarotonga and Aitutaki. Most accommodations, rental car companies and tour operators accept credit cards, but cash is essential for smaller shops and at the Punanga Nui market and Muri night markets, so carry some dollars for day-to-day use.

Change is usually given in the Cook Islands’ own coins, including the quirky triangular $2 coin. These coins can't be used as legal tender back in New Zealand, but they do make excellent souvenirs of a visit to the islands. Neither tipping nor bargaining are part of Cook Islands’ culture, and prices are fixed everywhere.

8. Sunday is a day of rest in the Cooks

In the Cook Islands, Sunday is a quiet day, most often spent with family and attending church. Many shops and businesses close for some or all of the day. If you fancy attending a Cook Islands church service, visitors are warmly welcomed. Expect to be invited to join the local congregation for refreshments at the conclusion of the service.

9. Pack casual clothes 

There's no need to pack your finest threads – the dress code in the Cook Islands is casual, and shorts, a T-shirt, and sandals or flip flops will be fine for most occasions. If you're attending church on Sunday, a collared shirt, and long trousers or a skirt are the right attire for this more formal occasion.

Lightweight hiking shoes are recommended for tackling Rarotonga's Cross-Island Track, while essentials for exploring the lagoons and beaches include reef shoes – to protect from coral cuts and the occasional stonefish – and a rash vest to keep off the tropical sun. Hats and sunglasses are also strongly recommended. Bring a long-sleeved linen shirt and trousers to guard against insect bites in the evenings.

10. Dress modestly away from the water

The Cook Islanders are a famously friendly bunch, but despite the laid-back mood, the islands are quite socially conservative, and it's not appropriate to wear beachwear away from the resort pool or lagoon. A sarong is a handy addition to a packing list to wear after swimming to avoid causing offense.

11. Learn greetings in the local language

All Cook Islanders speak excellent English, but when meeting a local, the most common greeting is kia orana – “may you live a long and fulfilling life” in Cook Islands Māori. Saying meitaki (“thank you”) is also always appreciated.

12. Slip into island time

The Cook Islands definitely operate on island time. If you're catching up with someone for coffee or a meal, it's not unknown for people to drift in a little after the time you arranged to meet. If your guests have still to arrive after 15 minutes, that's no cause for concern; just relax and enjoy Rarotonga's easygoing vibe. An exception is if you're being picked up by a tour operator, or have booked an island activity at a specific time and place; you'll be expected to be on time for these appointments.

13. Lock your car doors

In general, the Cook Islands are very safe, but opportunistic theft from rental cars parked up at beaches or other tourist spots is not unknown. Don't leave valuable items such as cameras, tablets and smartphones in the car when swimming or hiking.

14. Practice scooter safety

Renting a scooter is a popular way to get around, but it's worth checking your travel insurance to confirm you're covered for any accidents. Wearing a helmet is compulsory, vehicles drive on the left, and you'll need to complete a practical riding test – basically a series of tightish turns in a police station car park – to secure a Cook Islands’ scooter license allowing you to hire a vehicle.

Driving licenses from most countries can be used to rent a car without this extra requirement. Note that island roads are not well lit, and riding a scooter after dark is not recommended due to the antics of wandering chickens and the occasional over-excited dog.

15. Check local currents before jumping in the water

Always ask a local if the water is safe before you go swimming, as some parts of Rarotonga's lagoon have strong currents, particularly near the Rutaki, Papua and Avaavaroa passages. Rarotonga is also susceptible to tsunamis following volcanic and seismic activity elsewhere in the South Pacific – if warning sirens sound, follow everyone else and evacuate to higher ground. Evacuation routes are indicated by signs all around the island.

16. Protect yourself from dengue fever

While there is no malaria on the islands, dengue fever is also transferred by mosquitoes and it's present on Rarotonga – the last big outbreak was in 2021. There's no vaccine or prophylaxis for the virus so be sure to apply insect repellent and keep your accommodations insect-proof using door and window screens. If you are unlucky enough to catch dengue, seek medical attention, as the hemorrhagic form of the illness can be serious.

17. Look after your ears

The combination of frequent swimming and a humid tropical climate can give rise to “swimmer's ear” and other infections of the outer ear canal. Always dry your ears carefully after swimming, and pack ear drops in a compact first-aid kit.

This article was first published Apr 12, 2022 and updated Jan 24, 2024.

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Travel insurance for the Cook Islands

Situated halfway between New Zealand and Hawaii, the Cook Islands is a true Pacific paradise steeped in Polynesian history and culture. Travellers are drawn to its fifteen islands for their tropical climate, endless aquatic adventures and pure relaxation.

Family-friendly islands like Rarotonga are guaranteed to keep the kids happy, whether they’re snorkelling in the turquoise lagoons or exploring the Jurassic Park-like jungles.

Couples may want to venture off the beaten path to more far-flung, romantic islands, such as Aitutaki (often called ‘Heaven on Earth’), which is popular with honeymooners.

Whatever your sense of adventure, comprehensive travel insurance for the Cook Islands is the best way to keep you and your family safe. So what should your Cook Islands travel insurance include, what should you know about COVID-19, and how can you stay safe during your escape to paradise?

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Things to know about the Cook Islands and COVID-19

Thankfully, the Cook Islands managed to keep the country almost entirely free of COVID-19 throughout the pandemic due to firm restrictions including those on international travel. The country re-opened its borders in January 2022, with some travel requirements.  

Cook Island COVID-19 travel requirements for Australians

For up-to-date information on the Cook Islands’ current COVID-19 entry requirements, you can visit the Cook Islands travel website.

Cook Islands travel insurance and COVID-19: What are you covered for?

From missed flights and cancelled events to booking extensions and room relocations, disruptions due to COVID-19 can be frustrating on holiday. So when it comes to your Cook Islands travel insurance, does your policy include cover for COVID-19 ?

Here are some frequently asked questions about COVID-19 and travel insurance:

Do you need travel insurance for the cook islands.

The Cook Islands is known to be a safe destination, but there are still incidents of petty crime against tourists, a risk of natural disasters, and health hazards that could put a downer on your trip. 

Our travel insurance policy is designed to protect you from these types of unexpected events, so you can focus on enjoying your holiday, knowing we’re with you should anything go wrong.

What should your travel insurance policy for the Cook Islands include?

With a holiday to the Cook Islands providing everything from adventure activities to poolside relaxation, it’s important that you have a travel insurance policy with a wide range of cover benefits. A comprehensive travel insurance policy for the Cook Islands is the best way to protect yourself and your family from the unexpected.

Natural disaster cover in the Cook Islands

Like its Pacific neighbours, the Cook Islands experiences cyclones predominantly from November through to April. Cyclones and severe weather often affect the region, which can cause disruptions for Aussie travellers. 

In fact, a flight from Auckland in January 2022 had to be diverted back to New Zealand after being unable to land in Rarotonga . Several of our unlucky travellers have experienced disruptions due to poor weather impacting the Cook Islands, needing to claim for unused accommodation and additional meals.

If you’re planning to visit Rarotonga and the Cook Islands, particularly over the summer months, it’s important to consider a travel insurance policy that offers cover for natural disasters like cyclones and travel disruptions due to poor weather.

Our International Comprehensive natural disaster cover

If your prepaid travel arrangements (such as flights, accommodation and excursions) need to be changed or cancelled because of an unexpected natural disaster in the Cook Islands, and your insurance started before the event occurred, our International Comprehensive policy can offer cover if you need to cancel or change the dates of your prepaid travel plans.

If you’re stuck overseas for more than 12 hours because your flight has been delayed or cancelled due to an unexpected event, we can offer cover for the cost of any additional equivalent expense type, including scheduled transport and accommodation and living expenses incurred while you are waiting to return home.

If your insurance started after the natural disaster has occurred, you won’t be covered for any alteration costs incurred as a result of the natural disaster, such as cancelling or changing your original flight. However, our International Comprehensive policy can still offer cover for other unexpected events in accordance with your policy, such as having your personal belongings stolen or injuring yourself overseas.

Medical and hospital cover

Our International Comprehensive policies offer unlimited cover for medical treatment and evacuation, and our Emergency Assistance team are also available 24/7. Remember that medical facilities in the Cook Islands are not always up to the same standard as in Australia. Travellers should take special care when visiting the Outer Islands like Manuae, Takutea, Manihiki, Penrhyn and Rakahanga . While they offer a true sense of untouched beauty, their healthcare facilities are often limited to the basic healthcare offered by resorts.

Does my insurance cover adventure sports in the Cook Islands?

The Cook Islands is all about adventure, which is why our international policies offer cover for many adventure activities.

However, our policy doesn’t cover you for certain activities, like kitesurfing. For other activities like parasailing, you are only covered if you participate with a licensed operator. If you’re scuba diving in the Cook Islands, it’s essential that you hold an open water diving certificate or are diving with a qualified instructor.  

Activities which are excluded under our policies can be found under General Exclusions in the relevant  policy document . 

Is there cover for lost, stolen and damaged valuables

While the Cook Islands is a safe and welcoming destination for Kiwi travellers, your travel insurance should protect your valuables from loss, theft and damage. Whether it’s a stolen phone or a GoPro lost on the reef, our International Comprehensive policy offers cover for your lost, stolen, or damaged personal items resulting from an unexpected event. 

Travel insurance for cancellations and delays in the Cook Islands

Cancellations and delays are an unfortunate reality of travelling, which is why our International Comprehensive policy offers cover for changes to your journey before and after you leave.

For example, if your trip to the Cook Islands is cancelled or changed due to an unexpected event before you depart Australia, your policy offers cover for cancellations fees and prepaid travel costs.

If the unexpected happens during your holiday in the Cook Islands, your policy offers cover for transport, accommodation, meals, activities and tour costs if you cannot reach your next destination on time, or if you need to cut your trip short and return to Australia.

Travel insurance that features quality cover for cancellations and delays, including cover for COVID-19 , has never been more important.

Cover for rental vehicles like mopeds and scooters

Mopeds and motorbikes are some of the most popular ways to get around the Cook Islands, with a round-trip of Rarotonga taking a little over an hour. However, they’re also some of our most common claims from the country, which is why your travel insurance should include cover for when you’re driving or a passenger on a moped or scooter. Our International Comprehensive policy offers an additional add-on for mopeds and motorbikes if you require cover for your trip.

With International Comprehensive, we also offer cover for rental vehicle excess, up to $10,000 if your moped or motorbike is stolen or damaged.

Staying safe in the Cook Islands

No one likes to think about what could go wrong when planning their dream holiday, but reading up about local risks is a good way to ensure your trip goes smoothly. Before you visit the Cook Islands, familiarise yourself with the following safety information:

Crime and pickpockets

Although the crime rate is low on the Cook Islands, thieves sometimes target tourists, especially at the beach, so never leave your personal belongings out of sight.

Insects and illness

Take plenty of insect repellent and you may want to book accommodation that has a mosquito net over the bed as there are some insect-borne diseases, such as dengue fever. If you’re pregnant, discuss your travel plans with your doctor as the Cook Islands has reported cases of Zika virus.

Food safety in the Cook Islands

Like any destination, there’s always a chance you might fall ill with food poising in the Cook Islands. If you’re eating from the resort buffet, you should use your best judgement to avoid contaminated food. To avoid food poisoning, remember to:

• Eat fresh and well-cooked food
• Avoid hot meals that have gone cold, and cold meals that have gone warm
• Ensure you use clean and dry serving utensils
• Avoid buffets without screen guards protecting the food from other guests.
• Stick to bottled or boiled water

There are a few local laws to be aware of on the Cook Islands:

• If you're driving, monitor your alcohol intake and remember the legal blood alcohol limit for drivers and motorcyclists is 0.08.
• The Cook Islands' standards of dress and behaviour are modest, especially outside the resort areas, so cover up to avoid causing offence.

Cook Islands travel insurance exclusions

Our International policies provide comprehensive and medical-only travel insurance option, however no travel insurance offers cover for everything. It’s important to remember what your Cook Islands travel insurance may not include, like:

Cover for pre-existing medical conditions (PECs)

Pre-existing medical conditions (PECs) aren’t automatically covered under travel insurance, however, they can be added as extras when buying your policy.

At SCTI, we have a list of PECs that you must declare when organising your travel insurance, and a few definitions that you should be aware of if you’re travelling with health conditions. Find out what you need to do to seek cover for your PECs.

If you’d like some advice on how your pre-existing conditions might affect your Cook Islands travel insurance, please don’t hesitate to email us at any time or connect with one of our insurance experts on 1800 196 484 .

Other Cook Islands travel insurance exclusions

Pre-existing medical conditions aren’t the only thing that may not be covered under your Cook Islands travel insurance. You won’t be covered if:

• You’re participating in adventure activities with an unlicensed tour operator, such as diving or parasailing.
• You’re riding a moped or motorbike and you haven’t added this as an extra on your travel insurance policy.
• You’re sailing more than 22.2 kilometres (12 nautical miles) from populated land.
• A natural event occurred before the start date of your insurance and causes disruptions to your travel plans.

How much does travel insurance for the Cook Islands cost?

The price of your Cook Islands travel insurance will depend on several factors, including:

• How many people are on the policy
• How long you’re travelling for
• Whether you’re visiting other countries as well as the Cook Islands
• Whether you have any pre-existing medical conditions
• Whether you have any high-value items to add to your policy
• Whether you add cover for moped or motorbike riding.

Get a quick online travel insurance quote with SCTI today

What’s the best travel insurance for The Cook Islands?

The Cook Islands is regarded as a safe destination for all kinds of travellers, including solo adventurers, families and everyone in between. However, it’s important to get a travel insurance policy that will keep you and your belongings safe. 

The best travel insurance for the Cook Islands should provide comprehensive protection for things like:

• Medical emergencies
• Lost, stolen and damaged valuables
• Natural disasters
• Cancellations and changes to your trip
• Rental vehicle excess.

What you need to know

This page includes some information about our products but, as with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant Financial Services Guide (FSG), Product Disclosure Statement (PDS) and  Target Market Determination (TMD)  to ensure our travel insurance products are right for you.  

You can find the relevant documents here:  International Comprehensive , Annual Multi-trip ,  International Medical Only , Working Overseas ,  Domestic . 

We're here to help

We know how important it is to be able to talk to someone when you need help, that’s why we are available via email, phone and live chat Monday to Friday, 8.30am – 5pm, and Saturday, 7am to 4pm (AEST), excluding public holidays. And if you find yourself in a medical emergency our Emergency Assistance team are available 24/7 to help, wherever you are in the world.

Got a question? We have lots of quick answers here.

Get in touch with the team and we'll be happy to help.

Call us Monday to Friday 8.30am to 5.00pm (AEDT).

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Cook Islands Travel Insurance

If you are planning a trip to the Cook Islands you may highly benefit from our Cook Islands Travel Insurance.

 What is Travel Insurance?

Travel  insurance is  a  type  of insurance that covers the costs and  losses  associated with traveling. It is a plan you purchase that protects you from certain financial risks that can occur while traveling, such as a delayed suitcase, a trip cancellation, or a medical emergency overseas. Helps travelers deal with various contingencies that can occur during their trips.

The Significance of Travel Insurance

This insurance is significant because it offers travelers peace of mind and financial protection. It ensures that they are not burdened with exorbitant costs in case of unexpected incidents such as medical emergencies, trip cancellations, lost luggage, or other unforeseen events during their travels.

Benefits of Comprehensive Coverage

Comprehensive coverage is more than just protection; it's your ticket to peace of mind. It goes beyond addressing health risks and travel disruptions; it empowers you to immerse yourself in the Honduran experience fully.

best places to visit in the cook islands

Aitutaki , traditionally known as Araʻura and Utataki, is the second most populated island in the Cook Islands, after Rarotonga. It is an “almost atoll”, with fifteen islets in a lagoon adjacent to the main island. The total land area is 18.05 km 2 , and the lagoon has an area of between 50 and 74 km 2 .

The island is a major tourist destination, attracting adventurers, anglers, and real-life Robinson Crusoes. Beachcombing, fishing, kayaking, snorkeling, and swimming are some of the best activities to do throughout the island. However, if you need a break from the sand and sea, you can hike the rich jungle trails and enjoy mesmerizing views.

Rarotonga  is the largest and most populous island of the Cook Islands. The island is volcanic, with an area of 67.39 km 2 , and is home to almost 75% of the country’s population. The Cook Islands’ Parliament buildings and international airport are on Rarotonga, whereas the chief town, Avarua, is the capital of the Cook Islands.

On the southeast coast of Rarotonga, Muri Beach or Muri Lagoon, is one of the most popular beaches on the island. Even though the water quality has slightly declined in recent years, the shallows stretch into dreamy shades of aquamarine, and snorkelers can see many species of tropical fish. Due to its natural beauty, the island has become a popular tourist destination with resorts and restaurants.

Continents:

The European continent is located completely in the northern hemisphere and mainly in the eastern hemisphere. Europe borders onto the Arctic Ocean in the North, the Atlantic Ocean in the west and the Mediterranean Sea in the South. There are 50 countries in Europe with a total of more than 748 million people living on the continent in 2021.

There are 49 countries in Asia according to the UN. The 10 biggest countries are listed in the right column of this page. Two of the Asian countries, Russia and Turkey, also share part of their territory on the European continent. Additionally there are two countries that only have limited international recognition: State of Palestine and Republic of China/Taiwan and some dependencies. Asia is the most populous continent with more than 4.7 billion people living there. (2022)

There are 54 countries in Africa – and 9 dependent territories. More than 1.3 billion people live on the African continent. This means about 15% of the world’s total population live in Africa! Even though Nigeria is only a third of the size of Algeria, it is the most populous country in Africa, with more than 219 million people.

NORTH AMERICA

Oceania is in a continental group consisting of 14 countries and includes Pacific islands and Australia. Often Australia is named as a continent, but this means that the many islands and countries except Australia would then be not included. Oceania in fact is mostly ocean and spans a vast area as you can see below.

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Cook Islands

Located in the South Pacific between Fiji and Tahiti, the Cook Islands is nothing short of a tropical paradise. The self-governing island nation, which has close ties to New Zealand, is made up of 15 islands which have a total land area of only 240 square kilometres. The largest island is Rarotonga, which is home to stunning mountainous terrain and is surrounded by equally impressive beaches, lagoons and reefs. The peak on Rarotonga, known as Te Manga, sits 658 metres above sea level.

However, each of the islands have their own unique scenery and each is arguably more amazing than the previous one. If you are looking for a unique tropical getaway, look no further than the Cook Islands. The best bit is it is closer to Australia than you might think.

The islands that make up Cook Islands

The Cook Islands consist of 15 different islands in the South Pacific, collectively making up a self-governing nation.

The largest of the Cook Islands, this is also the most populated island and is where the nation’s capital – Avarua – lies.

Rarotonga’s peak, Te Manga, reaches 658 metres above sea level, with the mountains of the island providing some great hiking opportunities.

On Rarotonga you can also find waterfalls, some great beaches and pristine lagoons for swimming and snorkelling.

This is the second-most visited island within the Cook Islands and is about a 40-minute flight north of Rarotonga.

Home to a little under 2000 people, the peak of the island is a hill known as Maunga Pu which reaches 123 metres.

The island is within a triangular barrier reef which has some incredible lagoons and there are some small uninhabited surrounding islands that are lined with palm trees and are picture perfect on a good day.

Other Islands

Most of the other islands within the Cook Islands are small and hard to reach for tourists, as well as having very limited accommodation options.

But if you are determined to visit them, it is possible to get to most of them one way or another.

Homestay accommodation is available on some of the islands.

However, some of the islands are uninhabited, including Suwarrow which is a nature reserve and houses only two caretakers.

The other 13 islands that make up Cook Islands are: Mitiaro, Atiu, Palmerston, Mangaia, Manuae, Takutea, Mauke, Rakahanga, Penrhyn, Manihiki, Pukapuka, Suwarrow and Nassau.

Cook Islands Tourism

Before the Covid-19 pandemic, tourist numbers to the Cook Islands were slowly growing. However, it remains an often overlooked destination in the South Pacific, despite all that is offers. In 2019, some 170,000 people visited the Cook Islands – almost 10 times the countries’ permanent resident population. Comparatively, Fiji attracted almost 900,000 tourists in the same year, while Vanuatu brought in 256,000 tourists and Tahiti saw just under 300,000 tourists. While it is as beautiful as any destination within the South Pacific, the fewer visitors make the Cook Islands a unique place to visit.

Cook Islands Flights

Air New Zealand and Jetstar both offer direct flights between Auckland, New Zealand and Rarotonga, Cook Islands. The flight time between the two airports is about 3 hours and 45 minutes. Air New Zealand has also previously offered direct flights between Sydney and Rarotonga, however these were put on pause during the Covid-19 pandemic due to border restrictions. Connections to Auckland are available from all Australian capital cities. The flight time from Sydney to Auckland is only 3 hours, while the New Zealand capital is just over 3.5 hours from Melbourne. Qantas, Jetstar and Air New Zealand all offer regular direct flights to Auckland from Australia’s east coast.

Domestic Cook Islands Flights

If you are looking to branch out beyond just Rarotonga on your trip to the Cook Islands, you can catch a domestic flight once you arrive. The island nation’s own airline, Air Rarotonga, offers flights to the popular tourist island of Aitutaki, as well as seven other outer islands – Nassau, Manihiki, Penrhyn, Atiu, Mitiaro, Mauke and Mangaia. Air Rarotonga also offers codeshare flights to Aitutaki with Air New Zealand, meaning it is possible to book a single itinerary through to Aitutaki with Air New Zealand. The flight time to Aitutaki is only 40 minutes from Rarotonga, meaning it is possible to easily visit the island as a single-day trip.

When is the best time to visit the Cook Islands?

It is always a good time to visit the Cook Islands, which enjoy warm and largely dry weather throughout the year. However, the best time to visit is considered to be during the drier months between April and November, which enjoy average daily maximum temperatures of between 25 and 28 degrees Celsius (77 to 82 degrees Fahrenheit). The water temperature is similar to the air temperature during these months, ranging from 24 to 27 degrees Celsius (75 to 81 degrees Fahrenheit). The whale watching season in the Cook Islands is between July and October, while those who are into kitesurfing should visit during the trade wind season of May to October.

Cook Islands Travel Insurance

Cook Islands is generally considered to be a safe destination to visit, with the rate of crime very low.

However, petty theft does occur, while the region is prone to tropical cyclones between November and April as well as severe storms throughout the year. Earthquakes and tsunamis can also occur.

As with any international getaway, taking out travel insurance is highly recommended if you are planning a trip to the beautiful Cook Islands. Travel insurance can protect you with cover for medical expenses – including Covid-19 – as well as evacuation and repatriation, cancellation fees and lost deposits. You can also be covered for lost, stolen or damaged luggage and personal belongings.

Make sure your trip to the Cook Islands is properly covered.

Staying safe in Cook Islands

The most common issue for tourists in the Cook Islands is occasional thefts of belongings. According to the Australian Government’s Smart Traveller website, thieves sometimes target items left on the beach or unsecured items stored in motor scooters or motorcycles. It is important to watch your belongings and securely store or hold onto your valuables wherever possible. Beaches in the Cook Islands do not have lifeguards on duty, so weak swimmers need to be careful of strong tides and find safe areas for swimming. Always follows the advice of local authorities or hotel or tour staff if there is an earthquake or tsunami alert and move to higher ground if you are near the beach. If you are travelling during the cyclone season, make yourself aware of the evacuation plan for your hotel or accommodation. Same-sex sexual activity or ‘acts of indecency’ between men is illegal in the Cook Islands, with penalties including prison sentences of up to seven years. Significant penalties also apply for carrying or using illegal drugs.

Best Resorts in the Cook Islands for couples

Don’t expect to find any towering mega hotels or resorts in the Cook Islands. This is a nation which has a rule of thumb that no building can be taller than a palm tree. Given its relatively low tourist numbers in comparison to other South Pacific destinations, the major international hotel chains do not have a footprint in the Cook Islands. However, that does not mean there isn’t some great places to stay. 
Here are some of the top resorts in the Cook Islands for couples.

Pacific Resort Aitutaki

Undoubtedly the No.1 rated resort in the Cook Islands, the Pacific Resort Aitutaki is located on the island of Aitutaki, which is about a 40-minute flight from Rarotonga.

The resort overlooks what has been voted one of the most beautiful lagoons in the world and is surrounded by amazing white sand beaches and lush tropical vegetation.

The small property has only 29 spacious bungalows and villas, which are decked out in a traditional style and include private sundecks, direct beach access and private outdoor showers.

A no-kids resort, it caters only for adults and children over the age of 12 and features a spectacular infinity pool, luxury spa and on-site restaurant. 
Guests consistently give Pacific Resort Aitutaki five-star reviews and describe it as “faultless”, “wonderful” and having “most helpful staff” on hand who will assist with anything you need.

Moana Sands Lagoon Resort

A small and relatively new resort on Rarotonga, the Moana Sands Lagoon Resort only opened in 2018 but has quickly become a popular spot to stay. An adults-only resort, it accepts guests only over the age of 18 and offers 24 deluxe studios and suites across two levels.

Located on the eastern side of Rarotonga, the property is situated on the famous Muri Beach and overlooks Rarotonga’s famous lagoon.

Facilities include a swimming pool, cabana, sun lounging decks, a luxury spa, on-site restaurant and complimentary use of kayaks and snorkelling equipment. Guests describe the resort as a “beautiful, tranquil hotel” in a “stunning location”, some saying they “can’t recommend it enough”.

Little Polynesian Resort

Located on the south-eastern coast of Rarotonga, this is a sister property of the Pacific Resort Aitutaki.

It goes by the slogan ‘Inspiring Romance’ and is therefore not surprisingly an adults-only five-star resort.

Enjoying a great location on Titikaveka Beach, the resort offers both modern beachfront bungalows and garden studios that were built with luxury, seclusion and romance in mind.

Property facilities include an infinity pool on the edge of the white sand beach and an on-site restaurant and bar.

Guests label the Little Polynesian Resort as “the perfect hideaway” and a “little piece of paradise” that “sets the benchmark for boutique beachfront bungalows”.

Muri Beach Club Hotel

Another property on Muri Beach on the island of Rarotonga, this modern adults-only resort is much loved by guests both for its hospitality and its location.

An intimate, 30-room hotel, the property was the dream of a local farmer who eventually brought it to life.

The modern well-appointed rooms include some Polynesian flair and there is 24-hour service that promises you will be treated like part of the family.

The resort features a pool, on-site restaurant, a bar and a spa.

Those wanting to get active can grab a kayak or stand-up paddleboard to explore the stunning lagoon just off the beach or even swim across it to one of three private motus which are directly in front of the resort.

Aitutaki Lagoon Private Island Resort

Want to stay in an overwater bungalow on your trip to the Cook Islands? This is the only resort in the island nation that offers such accommodation.

Located on the ‘world’s most beautiful lagoon’ on the island of Aitutaki, this resort is another adults-only property and is perfect for a romantic getaway.

As the name suggests, the resort is located on a private island but it is just a two-minute ride by ferry from the main island of Aitutaki, giving it a level of exclusivity but also making it very accessible.

In addition to overwater bungalows, there are also accommodation options on land including private pool villas and beachfront bungalows.

The bungalows and villas on land come complete with outdoor Polynesian-style rain showers.

The resort also features a pool, gym, an on-site restaurant and a day spa.

Guests also have complimentary access to hammocks, bicycles and kayaks, stand-up paddleboards and snorkelling equipment to get out and explore the amazing lagoon.

Best Resorts in the Cook Islands for families

The Cook Islands is a spectacular place for a family getaway, being a safe and welcoming destination.

Here are some of the best places to stay if you are planning a trip to the Cook Islands with the kids.

Pacific Resort Rarotonga

A sister property of the Pacific Resort Aitutaki, this resort is located on the main island of Rarotonga and is another highly-rated place to stay.

Located on 5.5 acres, the boutique beachfront resort features only 64 rooms, suites and villas in contemporary Polynesian style.

Rooms either overlook the tropical gardens of the property or the white sands of Muri Beach and its sparkling lagoon.

The resort features a swimming pool, a complimentary kids club, a bar and an on-site restaurant.

Guests also have free access to kayaks and stand-up paddleboards to get out and explore the lagoon.

There are family rooms available as well as two and three-bedroom villas for larger groups.

The Pacific Resort Rarotonga is located on the eastern coast of the island.

Moana Sands Beachfront Hotel

Recently renovated, the Moana Sands Beachfront Hotel is located on the south-east coast Rarotonga and is a family-friendly sister property of the Moana Sands Lagoon Resort.

Overlooking Titikaveka Beach, the three-star resort overs a variety of studios across three levels, including interconnecting rooms for families. There are also some deluxe beachfront studio rooms, which are only for adults.

The property has an on-site restaurant and bar, while there are also barbecue facilities available if you want to cook yourself, with a grocery store just a five-minute walk away.

Guests also have access to kayaks and snorkelling equipment to explore the lagoon.

If you are looking for family accommodation in a great location at an affordable price, this resort is worth considering.

The Edgewater Resort & Spa

Located on the western coast of Rarotonga near Black Rock, this beachfront resort it conveniently located only a five-minute drive from Rarotonga International Airport.

The large resort features 280 rooms set across six acres, ranging from standard garden view and beachfront hotel rooms to self-contained three-bedroom villas which are ideal for families and groups.

There is plenty to keep the whole family entertained, including a pool, tennis court, games room and a complimentary kids club for those aged 4 to 12 years old.

Other daily activities that guests can enjoy include fish feeding, crab racing and ei making (flower garland) classes.

The resort also has two restaurants – one serving western and Asian cuisine and the other specialising in Italian meals – as well as a spa and salon.

A continental tropical breakfast is included for all guests to sweeten the deal at this affordable resort.

The Rarotongan Beach Resort & Lagoonarium

A full-service family resort located on Aroa Beach on Rarotonga’s south-east coast, some of the island’s best snorkelling is just a few steps away in the Aroa Lagoonarium Marine Sanctuary.

The resort offers 2, 3 and 4-bedroom villas – including some with private pools – which are well suited to families and larger groups.

There are also ‘Honeymoon’ bungalows with private pools on offer, as well as standard beachside resort rooms and suites.

The four-star resort also has a pool, an on-site restaurant and bar and a 24/7 convenience store.

For the little ones, there is a free kids club, as well as a complimentary daily activities program which includes things like guided night snorkelling, fish feeding, island drumming and dancing lessons, trivia nights, karaoke and crab racing.

Other facilities include a games room, tennis courts, a gym and beach volleyball courts.

Tamanu Beach Resort

If you are looking to take the family to the beautiful island of Aitutaki, the Tamanu Beach Resort is worth considering.

Once an adults-only resort, the resort now had two separate wings – one of which caters for families with young children.

Each wing offers both beachfront and garden bungalows, some of which feature outdoor garden rain showers.

The bungalows have a mix of modern and traditional Polynesian styling.

Return airport transfers, daily A la carte breakfast and use of kayaks, stand-up paddleboards and bicycles are all complimentary inclusions.

Cook Islands Top Things to Do

A visit to the Cook Islands is all about getting back to nature. In addition to the wonderful beaches, lagoons, snorkelling and diving, there are also some great nature-based things to do on land. One of the top things to do on Rarotonga is to hike to the pinnacle of the island, which is known as Te Rua Manga or ‘The Needle’. It is a tough but rewarding 2 to 3 hour hike through the island’s lush tropical jungle. There is also a waterfall to find on Rarotonga – Papua Waterfall. Popular tours available include lagoon cruises, snorkelling, scuba diving, guided hikes, cycling tours, quadbikes and 4WD trips.

Cook Islands Best Beaches

The waters around the Cook Islands are warm year-round, ranging from 23 to 28 degrees Celsius throughout the year. That means any time is a good time to head to the beach. Unlike parts of northern Australia, there is also no stinger season to watch out for.

Here are some of the best beaches to check out in the Cook Islands.

Muri Beach, Rarotonga

Located on the eastern side of the main island of Rarotonga, this is the beach where many of the island’s top resorts front onto.

Just off the beach is the famous Muri Lagoon, which has amazing blue waters and is great for swimming and snorkelling.

Muri Beach is also a hub for water sport tours, while there are plenty of bars, cafes and restaurants right nearby.

It is also a great place to watch sunrise if you are an early riser.

Titikaveka, Rarotonga

Just around the coast to the south-west of Muri Beach, this is another top-rated beach on Rarotonga.

This beach is home to bright turquoise waters and lovely white sand and is lined with palm trees.

It’s a great spot for relaxing as well as snorkelling in the lagoon.

Black Rock Beach, Rarotonga

On the western side of Rarotonga, this is a favourite spot for tourists and locals alike.

It is historically and culturally important for the people of Rarotonga, while its positioning facing to the north-west of the island means it enjoys sun throughout the day.

Sheltered waters make it a great spot for swimming or snorkelling with children, while it is also one of the best places on the island to catch an impressive sunset.

Aroa Beach and Marine Reserve, Rarotonga

On the south-west coast of Rarotonga, this is a highly-rated beach which has calm and shallow waters.

The marine reserve presents some great snorkelling opportunities, with visitors saying the “water is as clear as an aquarium”.

It is also a good spot for sunbaking and watching the sunset.

One Foot Island, Aitutaki

Located within Aitutaki’s famous lagoon, this tiny island is absolutely pristine. 
Wonderful blue waters surround a white-sand island that is full of lush tropical jungle and palm trees.

You can take a boat across from Aitutaki to the island, which only has one single cabin that can be rented by visitors and a small post office where you can have your passport stamped.

Scuba Diving in the Cook Islands

Divers come from across the world to explore the waters of the Cook Islands, which provide some incredible scuba diving opportunities. The waters of the Cook Islands are warm year-round and visibility can be up to 60m. There are over 73 types of live coral in the Cook Islands along with hundreds of species of fish. Divers may also see sharks, stingrays and turtles, as well as humpback whales between the July and October. The Cook Islands’ Marae Moana Act means over 1,810,000 square kilometres (700,000 square miles) of ocean come under marine protection – more than four times the size of the state of California. Large-scale fishing is also banned for 50 nautical miles around each of the nation’s islands. There are a number of dive tour operators on both the islands of Rarotonga and Aitutaki, which can provide you with all the necessary dive equipment and take you out to explore. Night dives are also available if you want to try something a bit different.

When is the best time to dive in the Cook Islands?

While you can scuba dive at any time of year in the Cook Islands, the best time is generally considered to be between July and October. These are not only some of the months where the islands receive the least rainfall, but you may also have an opportunity to go diving with some humpback whales which set up home in the Cook Islands during these months.

What are the best scuba diving spots in the Cook Islands?

You can effectively dive anywhere in the Cook Islands at any time and find plenty to see. But there are a few top spots to check out. The island of Rarotonga is the top of a volcanic gently-sloping plateau. It has relatively shallow lagoons surrounding it, but then large drop offs of up to 4,500m.

At these drop offs, there is an abundance of coral formations and no soft corals. Most of the dive sites at these drop offs are just a 10-minute boat ride from land. There are over 30 top dive sites around Rarotonga, with options for beginner’s right through to advanced divers. There are also more than 20 top dive spots around the island of Aitutaki, with most of them again being just a short boat ride from shore.

Cook Islands Cruises

If you would rather cruise to the Cook Islands than stay on them, you can. Paul Gauguin Cruises offers some 11-night itineraries from Papeete, Tahiti that visit the Tahitian islands of Moorea, Huahine, Taha’a and Bora Bora, while also stopping in at Rarotonga and Aitutaki in the Cook Islands.

The cruise line sails a luxury small ship in the South Pacific – the m/s Paul Gauguin – which has just 165 staterooms accommodating up to 330 guests. The ship also has three restaurants, four bars, a theatre, a fitness centre, a pool and a day spa. Another Tahiti-based ship, the Aranui 5 from Aranui Cruises, also makes occasional cruises to the Cook Islands. The ship is a dual-purpose cruise passenger and freight vessel that caters for up to 230 passengers and has all the comforts of a normal cruise ship at the back, while the front half of the ship delivers supplies to islands in the South Pacific.

Cook Islands Whale Watching

If you visit the Cook Islands at the right time, you do not even need to board a boat tour to do some whale watching. From the right beaches around the island of Rarotonga, you can often spot humpback whales in the surrounding waters. The whales migrate north into the South Pacific waters to mate, give birth and rest after visiting their summer feeding grounds of Australia and New Zealand. They then return to the Antarctic Ocean for the winter. The entire Cook Islands Exclusive Zone (EEZ) is a whale sanctuary, meaning the whales can visit safely. Migration patterns of the whales can vary slightly due to ocean temperatures, but sightings are common in the Cook Islands between July and October. One of the best places to spot a humpback whale on Rarotonga is from Black Rock on the west side of the island, where the fringing reef is close to shore. Other good spots include Aroa Beach on the south-western side of the island and Avarua Harbour on the northern coast of the island. If you visit the island of Aitutaki, you can get up even closer to the whales and swim with them. Multiple operators offer close encounter tours between July and October.

Cook Islands Kitesurfing

The water sport of Kitesurfing is kind of a big deal in the Cook Islands. The nation host the Manureva Aquafest Kitesurfing Competition each August, which attracts some of the biggest names in the sport. A week-long festival, it includes freestyle and race kitesurfing competitions as well as stand-up paddleboarding and outrigger canoeing events. The festival is held on the island of Aitutaki, which has what is regularly voted the ‘world’s most beautiful lagoon’ and is an ideal spot for kitesurfing. The best trade winds for kitesurfing come between May and October, but it is a safe and easy place for beginners to try their hand at the sport year-round. Local operators in Aitutaki offer lessons and equipment hire if you want to give kitesurfing a go.

Do you need a visa to visit the Cook Islands?

No. All international travellers can be issued a visitor permit on arrival to the Cook Islands, providing they meet certain criteria. Australian and New Zealand passport holders must have a passport that is valid for at least 7 days beyond their intended stay in the Cook Islands. Australian passport holders are allowed to stay in the Cook Islands on a standard visitor visa for up to 31 days, while New Zealand passport holders are eligible to stay up to 90 days.

Cook Islands Weather

The Cook Islands enjoy a warm and tropical climate year-round, with average daily maximum temperatures of between 23 and 27 degrees Celsius (73 to 81 degrees Fahrenheit) throughout the year. The warmest months are between December and April, but they are also the wettest months.

Average maximum temperatures during those months are between 26 and 27 degrees Celsius (78 to 81 degrees Fahrenheit). However, Rarotonga also records between nine and 10 days of rainfall each month during this period, albeit usually in the form of a brief morning or afternoon tropical shower.

The driest months are between May and November, which typically see rain on only five or six days per month. The average daily maximum temperatures during these months are slightly cooler but still warm, ranging from 23 to 25 degrees Celsius (73 to 77 degrees Fahrenheit). Rarotonga records between 11 and 13.5 hours of daylight each day across the year.

Cook Islands Population

According to the 2016 census, the Cook Islands had a population of 17,459 people. Of that population, 78.2 per cent identified as being of native Cook Island Māori decent. Given the tight ties between the Cook Islands and New Zealand, Cook Islanders are considered both citizens of New Zealand and Cook Islands nationals.

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Cook Islands Travel Insurance

Cook Islands, which is located between French Polynesia and American Samoa in the South Pacific Ocean, consists of 15 small islands that are perfect for those who want to go on honeymoon or a luxurious holiday.

However, if you are on a budget, don’t worry because you can still enjoy this destination..

The Southern group of islands comprises of Aitutaki, Mangaia, Palmerston, Takutea, Rarotonga, Atiu, Mitiaro, Mauke and Manuae (uninhabited). Among these, we would recommend you visit Aitutaki and Rarotonga because they can be easily accessed and have the most infrastructure.

If you want to see beautiful limestone caves and great diving spots, Atiu is the ideal place to go. Both Atiu and Mangaia—which is the second biggest island—are pretty much unspoiled. For those who want some peace and quiet, these remote islands are the must-visit spots. However, you should also manage your expectations because the infrastructure in these islands are basic and feature simple accommodation.

Meanwhile, the Northern group includes Pukapuka, Nassau, Penrhyn, Manihiki, Suwarrow and Rakahanga. However, these islands cannot be easily visited and traveling to these islands can be very expensive.

Although mass market tourism is not prevalent in the Cook Islands, there is a pretty impressive bunch of boutique resorts that can offer tourists a luxurious retreat. If the accommodation you choose has a kitchen, you can also cook your own meals using local produce. In the local markets, you will find a wide variety of local vegetables and fruits, as well as fish that is sold at affordable prices.

While the restaurants in hotels do not frequently cook local dishes, they typically hold regular island night buffets and barbecues. Also, you may be invited to a traditional local feast cooked underground which is called Umukai. As for the drinks, some of the must-try beverages are kava and tumunu which is a kind of beer brewed from oranges.

Now you’ve got some great ideas for your trip, don’t forget to arrange travel insurance as soon as you’ve made a booking.   Get a quote  today or call one of our friendly team on 1300 819 888 to discuss your requirements.

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Do you need travel insurance for Cook Islands?

Travelers need to get travel insurance for Cook Islands before entering this country. Because it is one of the most important visa requirements, and it ensures your finance and health during your trip to Cook Islands.

How to find the right travel insurance for Cook Islands?

By simply accessing the Travelner website or app, you can easily obtain optimal travel insurance coverage for your next trip to Cook Islands. The process involves a few simple steps, such as

• Searching for insurance plan details
• Providing your travel dates
• Fill out your personal information
• Making payment for the selected insurance plan

After the payment has been confirmed, the Travelner team will review your details and furnish you with the particulars of your travel insurance for Cook Islands policy.

Where to get travel insurance for Cook Islands?

Many travel insurance companies offer online purchasing options, allowing you to purchase coverage from the convenience of your own home. You can easily find and purchase travel insurance for Cook Islands online through Travelner’s website. You can choose a suitable plan and obtain travel insurance for your trip in a few simple steps.

What should travel insurance for Cook Islands cover?

Cook Islands travel insurance provides a maximum liability of 50,000 USD at most that provides coverage for lots of risks and costs, including

• Hospital room and board expenses
• COVID-19 medical expenses
• Emergency medical evacuation
• Trip delay and interruption
• Lost baggage

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Cook Islands Travel Insurance

The Cook Islands are a self-governing territory in the Pacific Ocean, located north of New Zealand. The islands are known for their stunning beaches, clear blue waters, and lush tropical landscapes. They offer a variety of activities, such as snorkelling, diving, and hiking. The culture is a mix of Polynesian and Maori influences. The official languages are English and Cook Islands Maori.

But before booking your tickets to this amazing place, you might consider opting for the right travel insurance plan. Travel insurance can provide financial protection for unexpected travel-related mishaps. In the Cook Islands, where access to medical facilities may be limited, having travel insurance can give you peace of mind and ensure access to necessary medical care.

Tata AIG's international travel insurance plan provides comprehensive coverage for travel abroad. These plans include coverage for emergency medical expenses, trip cancellation, trip interruption, lost or stolen baggage, and emergency evacuation. They also offer additional benefits such as personal accident coverage, emergency dental treatment and liability coverage. You can choose from various plans to suit your needs, including single-trip and multi-trip options.

Tata AIG's international traveling insurance plans are also available for many travellers, including students, senior citizens, and families. We also offer a 24-hour emergency assistance service to support and assist its customers during their trips.

Travel Insurance for Your Travel to the Cook Islands from India

A Cook Islands travel insurance plan is an important consideration for anyone travelling to the Cook Islands from India. The Cook Islands is a remote destination, and medical facilities may be limited or unavailable. Medical evacuation to India may be necessary for an emergency, which can be very expensive.

Additionally, even if medical treatment is available in the Cook Islands, it may not be covered by Indian insurance policies. This means that without travel health insurance, the cost of any medical treatment or evacuation would need to be paid out of pocket.

Furthermore, travel health insurance may cover other travel-related issues, such as trip cancellation or interruption, lost or stolen baggage, and more. This can provide travellers peace of mind and financial protection, especially during unexpected events.

It is important to note that standard travel insurance policies may not cover all the possible risks, especially regarding medical expenses. Reviewing the policy carefully and looking for coverage options such as emergency medical evacuation and repatriation is recommended. Also, checking if the policy covers pre-existing medical conditions, flight cancellation insurance benefits, etc., is important.

Basically, travel health insurance is an essential consideration for anyone travelling to the Cook Islands from India. It can provide financial protection during a medical emergency or other unexpected events. It is important to carefully review the policy and ensure it provides the coverage needed for the specific trip.

Why Do You Need Travel Health Insurance Cook Islands from India?

The Cook Islands, a paradise of white sandy beaches and turquoise waters, may seem like a dream destination, but it's important to remember that it's also a remote place. In a medical emergency, the nearest hospital may be miles away, and the medical facilities may not be as advanced as you're used to. Medical treatment or evacuation costs could be financially devastating without travel health insurance.

Imagine yourself lying on a hammock, sipping on a refreshing cocktail, when suddenly you feel a sharp pain in your chest. You try to ignore it, but it doesn't go away. Without travel health insurance, getting you to the nearest hospital, which could be in New Zealand, would be on you. And that's just the beginning; the medical treatment and the cost of staying in a foreign hospital could add up to a small fortune.

Travel health insurance ensures you can receive the best treatment without worrying about the cost in case of any medical emergency. It's like having a guardian angel watching over you, ready to swoop in and handle the financial burden. It also covers travel-related issues such as trip cancellation or interruption, lost or stolen baggage, etc. Hence, the total Cook Islands trip cost from India would be safeguarded with the right insurance plan by your side.

In short, travel health insurance is a small price to pay for the peace of mind and financial protection it provides while travelling to the Cook Islands from India. Don't let the worry of unexpected medical expenses ruin your dream vacation; get travel medical health insurance Cook Islands and enjoy paradise to the fullest.

Benefits Offered by the Tata AIG Cook Islands Travel Insurance Policy

The Tata AIG Cook Islands Travel Insurance requirements are not too much. You can apply for a policy from your home or office. Also, our international travel plans offer a range of benefits to protect travellers from India while visiting the Cook Islands. Some of the key benefits include:**

Emergency medical and dental expenses: This coverage will pay for any necessary medical or dental treatment that may be needed during your trip, including emergency medical evacuation and repatriation.

Recently added to this coverage is COVID-19 coverage, which offers health insurance for coronavirus testing and treatment. Additionally, our Travel Insurance Cook Islands plan offers an immediate 60-day extension or the date of release extension, whichever is shorter, if you are hospitalised during the policy period.

Trip cancellation and interruption: If you need to cancel or interrupt your trip for a covered reason, such as a medical emergency, this coverage will reimburse any non-refundable expenses.

Baggage and personal effects: This coverage will reimburse any lost, stolen or damaged baggage or personal effects during your trip.

Personal liability: This coverage will protect you if you are found liable for an accident that causes injury or damage to another person or their property.

24/7 worldwide emergency assistance: This coverage provides access to a 24/7 emergency assistance service, which can help with various issues such as medical emergencies, lost or stolen documents, and more.

Additional Benefits: Other advantages of the Cook Islands travel insurance from Tata AIG include:**

Travel insurance for the Cook Islands can be purchased for as little as $40.82 per day*.

The Cook Islands Travel Insurance Plan is easier to purchase through the Tata AIG website. No medical examination is required for our Cook Islands travel insurance plan.

A choice to purchase travel insurance in rupees and receive coverage in Cook Islands Dollars.

Cook Islands Visa and Entry Information

The Cook Islands, a tropical oasis in the South Pacific, welcomes visitors worldwide. Still, knowing the visa and entry information is important before you pack your bags. No visa is required for Indian citizens for a stay of up to 31 days. However, you must have a valid passport that will not expire for at least six months from entry and a return or onward ticket.

Upon arrival, you'll be greeted by friendly immigration officers who will stamp your passport and welcome you to their beautiful country. As you leave the airport, the warm sun and sweet scent of tropical flowers will envelop you, signalling the start of an unforgettable journey.

With your visa and entry formalities out of the way, you can fully immerse yourself in the Cook Islands' culture and enjoy all the island has to offer, from snorkelling in crystal-clear waters to hiking through lush rainforests.

In short, obtaining a Cook Islands visa is a breeze for Indian citizens; ensure you have a valid passport and a return/onward ticket and are good to go. The Cook Islands await you with open arms and a wealth of experiences to discover.

Cook Islands Travel Documents for Indian Nationals

To enter the Cook Islands, Indian travellers would need these 3 essentials documents:

Passport: Indian travellers are required to have a valid passport with at least 6 months remaining before the expiration date.

Funds: Proof of sufficient funds for your stay and departure from the Cook Islands.

Return or onward ticket: Indian travellers must provide proof of a return or onward ticket at the time of entry into the Cook Islands. This is to ensure that visitors have the plan to leave the country at the end of their stay.

Potential Travel Hazards for Indians Travelling to Cook Islands

The Cook Islands, a tropical paradise in the heart of the South Pacific, may seem like the perfect vacation spot for Indians looking to escape the hustle and bustle of everyday life. However, there are a few travel hazards to be aware of before embarking on your journey.

First and foremost, the Cook Islands are located quite remote, so it may be difficult to find Indian food or ingredients for those who have specific dietary needs. Additionally, the island's tropical climate can be intense, with high humidity and temperatures reaching over 30 degrees Celsius.

Another potential hazard is the risk of tropical storms and hurricanes, which can disrupt travel plans and cause damage to infrastructure.

It's also important to note that the Cook Islands are relatively small and may not offer the same medical facilities as larger cities in India.

Still, despite these hazards, the Cook Islands offer a wide range of activities, such as snorkelling, diving, and paddle boarding, and the opportunity to explore a unique culture and way of life. With a little bit of planning and a sense of adventure, a trip to the Cook Islands can be a truly unforgettable experience for Indians.

Covid-19 Safety Measures to Follow While Travelling to Cook Islands

You must abide by the following COVID-19 safety recommendations whilst in Cook Islands:

Get tested for COVID-19 before your trip: You are advised to take a COVID-19 test 72 hours prior to your departure to the Cook Islands.

Follow quarantine guidelines: If you test positive for COVID-19 or have been in close contact with someone who has tested positive, you must quarantine for 14 days.

Wear a mask: Masks should be worn on all flights to the Cook Islands and in all public spaces.

Practice social distancing: Keep a distance of 1.5 meters from others and avoid crowded areas.

Wash your hands frequently: Use hand sanitiser or soap and water to clean your hands.

Follow local guidelines: Be mindful of any additional safety measures that may be in place in the Cook Islands, such as capacity limits for businesses or restricted access to certain areas.

Check for updates: Stay informed about the latest information and guidelines from the Cook Islands Government and the Ministry of Health.

Be prepared to provide personal information: You may be asked to provide contact information and a travel itinerary to assist with contact tracing.

By following these safety measures, you can help protect yourself and others from the spread of COVID-19 and enjoy a safe and pleasant trip to the Cook Islands.

Trip to Cook Islands: Safety and Precautionary Measures to Undertake

The following safety precautions should be followed if you plan to travel to Cook Islands:

Respect the locals: Be mindful of the Cook Islands culture and traditions, and always ask for permission before taking photos of people or sacred sites.

Stay safe in the water: Be aware of the ocean's currents and follow the advice of local lifeguards when swimming or snorkelling.

Keep an eye on the weather: Weather can change quickly in the Cook Islands, so keep an eye on forecasts and be prepared for sudden downpours or tropical storms.

Be aware of wildlife: The Cook Islands is home to various unique and protected species, so keep a safe distance and never feed or touch them.

Take care while exploring: When hiking or exploring the islands, wear appropriate shoes, bring plenty of water and let someone know where you're going.

Drive safely: If you plan to rent a car or scooter, be familiar with the local traffic laws and drive defensively.

Keep your valuables safe: Keep your valuables, such as your passport and money, safe and secure while travelling.

Seek local advice: If you're unsure of anything, don't hesitate to ask locals or tour guides for advice.

By following these safety tips, you can enjoy your trip to the Cook Islands with confidence and respect for the local culture and community.

Best Places to Visit in Cook Islands

The Cook Islands are a true tropical paradise, with crystal clear waters, pristine beaches, and lush green landscapes. If you're planning a trip to this stunning destination, here are a few of the best places to visit:

First on the list is the island of Rarotonga, the largest and most populous of the Cook Islands. Here you'll find a variety of activities to enjoy, from swimming and snorkelling in the turquoise waters to hiking through the lush jungle. The island is also home to several historic sites, including the ancient marae (temples) and the remains of an ancient fortified village.

Next, head to the island of Aitutaki, known for its stunning lagoon. The lagoon's clear waters offer some of the best snorkelling and diving in the Cook Islands, and you can also take a boat tour to see the many small islands that dot the lagoon. Be sure to visit the beautiful One Foot Island, where you can relax on the white sandy beaches and soak up the sun.

Another must-see destination is the island of Atiu, also known as the "Island of the Birdmen." Here you can explore the ancient limestone caves and see the unique bird species that call the island home. You can also visit the "makatea" – a raised coral plateau that offers incredible views of the surrounding islands.

If you're looking for a true escape from civilisation, head to the remote island of Palmerston. This small island has no roads, cars or shops - just a tiny community of people who have lived there for generations. You can explore the island on foot, enjoy the peaceful surroundings, and enjoy the traditional ways of island life.

Finally, for a truly unique experience, take a trip to the uninhabited island of Nassau. This remote island is home to the rarest of the rare and the world's largest coral atoll and is a perfect spot for those who want to experience the true wilderness of the Cook Islands.

Overall, the Cook Islands offer visitors various experiences, from adventure and exploration to relaxation and rejuvenation. Whether you're looking to sunbathe on a secluded beach, snorkel in a lagoon, or explore ancient ruins, there's something for everyone on these beautiful islands.

Cook Islands: Fast Facts

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Do indian citizens need a visa to visit the cook islands.

Indian citizens do not need a visa to visit the Cook Islands for less than 31 days. However, they must have a valid passport at least 6 months before expiry and a return or onward ticket.

What is the best time to visit the Cook Islands?

The Cook Islands have a tropical climate, with warm temperatures year-round. The best time to visit is between May and October when the weather is drier and slightly cooler. The peak tourist season is from June to August.

What are some popular things to do in the Cook Islands?

The Cook Islands are known for their beautiful beaches, clear blue waters, and excellent snorkelling and diving opportunities. Visitors can also explore the island's rich culture through traditional dances and music or participate in outdoor activities such as hiking and fishing.

Are there any specific health risks in the Cook Islands?

The Cook Islands are generally considered a safe destination for travellers. However, as with any tropical destination, taking precautions against mosquito-borne illnesses such as dengue fever and Zika virus is important. Visitors should also be aware of the risk of sun exposure and take appropriate measures to protect themselves.

What is the currency used in the Cook Islands?

The currency used in the Cook Islands is the Cook Islands Dollar (CID). Credit cards and traveller's checks are widely accepted, and ATMs are available on the islands.

s travel insurance required for a trip to the Cook Islands?

I Travel insurance is not required to visit the Cook Islands, but it is highly recommended. It can provide financial protection in case of unexpected events such as trip cancellation, medical emergencies, or lost or stolen belongings.

What are the entry and exit requirements for the Cook Islands?

To enter the Cook Islands, Indian citizens must have a valid passport at least 6 months before expiry and a return or onward ticket. Visitors may be required to show proof of sufficient funds to support their stay. Upon exit, travellers must fill out a departure card and have their passports stamped.

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Cook Islands (New Zealand) Traveler View

Travel health notices, vaccines and medicines, non-vaccine-preventable diseases, stay healthy and safe.

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Check the vaccines and medicines list and visit your doctor at least a month before your trip to get vaccines or medicines you may need. If you or your doctor need help finding a location that provides certain vaccines or medicines, visit the Find a Clinic page.

Routine vaccines

Recommendations.

Make sure you are up-to-date on all routine vaccines before every trip. Some of these vaccines include

• Chickenpox (Varicella)
• Diphtheria-Tetanus-Pertussis
• Flu (influenza)
• Measles-Mumps-Rubella (MMR)

Immunization schedules

All eligible travelers should be up to date with their COVID-19 vaccines. Please see  Your COVID-19 Vaccination  for more information. 

COVID-19 vaccine

Hepatitis A

Recommended for unvaccinated travelers one year old or older going to the Cook Islands.

Infants 6 to 11 months old should also be vaccinated against Hepatitis A. The dose does not count toward the routine 2-dose series.

Travelers allergic to a vaccine component or who are younger than 6 months should receive a single dose of immune globulin, which provides effective protection for up to 2 months depending on dosage given.

Unvaccinated travelers who are over 40 years old, immunocompromised, or have chronic medical conditions planning to depart to a risk area in less than 2 weeks should get the initial dose of vaccine and at the same appointment receive immune globulin.

Hepatitis A - CDC Yellow Book

Dosing info - Hep A

Hepatitis B

Recommended for unvaccinated travelers of all ages traveling to the Cook Islands.

Hepatitis B - CDC Yellow Book

Dosing info - Hep B

Cases of measles are on the rise worldwide. Travelers are at risk of measles if they have not been fully vaccinated at least two weeks prior to departure, or have not had measles in the past, and travel internationally to areas where measles is spreading.

All international travelers should be fully vaccinated against measles with the measles-mumps-rubella (MMR) vaccine, including an early dose for infants 6–11 months, according to  CDC’s measles vaccination recommendations for international travel .

Measles (Rubeola) - CDC Yellow Book

the Cook Islands is free of dog rabies. However, rabies may still be present in wildlife species, particularly bats. CDC recommends rabies vaccination before travel only for people working directly with wildlife. These people may include veterinarians, animal handlers, field biologists, or laboratory workers working with specimens from mammalian species.

Rabies - CDC Yellow Book

Recommended for most travelers, especially those staying with friends or relatives or visiting smaller cities or rural areas.

Typhoid - CDC Yellow Book

Dosing info - Typhoid

Avoid contaminated water

Leptospirosis

How most people get sick (most common modes of transmission)

• Touching urine or other body fluids from an animal infected with leptospirosis
• Swimming or wading in urine-contaminated fresh water, or contact with urine-contaminated mud
• Drinking water or eating food contaminated with animal urine
• Avoid contaminated water and soil

Clinical Guidance

Avoid bug bites.

• Mosquito bite
• Avoid Bug Bites
• An infected pregnant woman can spread it to her unborn baby

Airborne & droplet

• Breathing in air or accidentally eating food contaminated with the urine, droppings, or saliva of infected rodents
• Bite from an infected rodent
• Less commonly, being around someone sick with hantavirus (only occurs with Andes virus)
• Avoid rodents and areas where they live
• Avoid sick people

Tuberculosis (TB)

• Breathe in TB bacteria that is in the air from an infected and contagious person coughing, speaking, or singing.

Learn actions you can take to stay healthy and safe on your trip. Vaccines cannot protect you from many diseases in the Cook Islands, so your behaviors are important.

Eat and drink safely

Food and water standards around the world vary based on the destination. Standards may also differ within a country and risk may change depending on activity type (e.g., hiking versus business trip). You can learn more about safe food and drink choices when traveling by accessing the resources below.

• Choose Safe Food and Drinks When Traveling
• Water Treatment Options When Hiking, Camping or Traveling
• Global Water, Sanitation and Hygiene | Healthy Water
• Avoid Contaminated Water During Travel

You can also visit the  Department of State Country Information Pages  for additional information about food and water safety.

Prevent bug bites

Bugs (like mosquitoes, ticks, and fleas) can spread a number of diseases in the Cook Islands. Many of these diseases cannot be prevented with a vaccine or medicine. You can reduce your risk by taking steps to prevent bug bites.

What can I do to prevent bug bites?

• Cover exposed skin by wearing long-sleeved shirts, long pants, and hats.
• Use an appropriate insect repellent (see below).
• Use permethrin-treated clothing and gear (such as boots, pants, socks, and tents). Do not use permethrin directly on skin.
• Stay and sleep in air-conditioned or screened rooms.
• Use a bed net if the area where you are sleeping is exposed to the outdoors.

What type of insect repellent should I use?

• FOR PROTECTION AGAINST TICKS AND MOSQUITOES: Use a repellent that contains 20% or more DEET for protection that lasts up to several hours.
• Picaridin (also known as KBR 3023, Bayrepel, and icaridin)
• Oil of lemon eucalyptus (OLE) or para-menthane-diol (PMD)
• 2-undecanone
• Always use insect repellent as directed.

What should I do if I am bitten by bugs?

• Avoid scratching bug bites, and apply hydrocortisone cream or calamine lotion to reduce the itching.
• Check your entire body for ticks after outdoor activity. Be sure to remove ticks properly.

What can I do to avoid bed bugs?

Although bed bugs do not carry disease, they are an annoyance. See our information page about avoiding bug bites for some easy tips to avoid them. For more information on bed bugs, see Bed Bugs .

For more detailed information on avoiding bug bites, see Avoid Bug Bites .

Stay safe outdoors

If your travel plans in the Cook Islands include outdoor activities, take these steps to stay safe and healthy during your trip.

• Stay alert to changing weather conditions and adjust your plans if conditions become unsafe.
• Prepare for activities by wearing the right clothes and packing protective items, such as bug spray, sunscreen, and a basic first aid kit.
• Consider learning basic first aid and CPR before travel. Bring a travel health kit with items appropriate for your activities.
• If you are outside for many hours in heat, eat salty snacks and drink water to stay hydrated and replace salt lost through sweating.
• Protect yourself from UV radiation : use sunscreen with an SPF of at least 15, wear protective clothing, and seek shade during the hottest time of day (10 a.m.–4 p.m.).
• Be especially careful during summer months and at high elevation. Because sunlight reflects off snow, sand, and water, sun exposure may be increased during activities like skiing, swimming, and sailing.
• Very cold temperatures can be dangerous. Dress in layers and cover heads, hands, and feet properly if you are visiting a cold location.

Stay safe around water

• Swim only in designated swimming areas. Obey lifeguards and warning flags on beaches.
• Practice safe boating—follow all boating safety laws, do not drink alcohol if driving a boat, and always wear a life jacket.
• Do not dive into shallow water.
• Do not swim in freshwater in developing areas or where sanitation is poor.
• Avoid swallowing water when swimming. Untreated water can carry germs that make you sick.
• To prevent infections, wear shoes on beaches where there may be animal waste.

Keep away from animals

Most animals avoid people, but they may attack if they feel threatened, are protecting their young or territory, or if they are injured or ill. Animal bites and scratches can lead to serious diseases such as rabies.

Follow these tips to protect yourself:

• Do not touch or feed any animals you do not know.
• Do not allow animals to lick open wounds, and do not get animal saliva in your eyes or mouth.
• Avoid rodents and their urine and feces.
• Traveling pets should be supervised closely and not allowed to come in contact with local animals.
• If you wake in a room with a bat, seek medical care immediately. Bat bites may be hard to see.

All animals can pose a threat, but be extra careful around dogs, bats, monkeys, sea animals such as jellyfish, and snakes. If you are bitten or scratched by an animal, immediately:

• Wash the wound with soap and clean water.
• Go to a doctor right away.
• Tell your doctor about your injury when you get back to the United States.

Consider buying medical evacuation insurance. Rabies is a deadly disease that must be treated quickly, and treatment may not be available in some countries.

Reduce your exposure to germs

Follow these tips to avoid getting sick or spreading illness to others while traveling:

• Wash your hands often, especially before eating.
• If soap and water aren’t available, clean hands with hand sanitizer (containing at least 60% alcohol).
• Don’t touch your eyes, nose, or mouth. If you need to touch your face, make sure your hands are clean.
• Cover your mouth and nose with a tissue or your sleeve (not your hands) when coughing or sneezing.
• Try to avoid contact with people who are sick.
• If you are sick, stay home or in your hotel room, unless you need medical care.

Avoid sharing body fluids

Diseases can be spread through body fluids, such as saliva, blood, vomit, and semen.

Protect yourself:

• Use latex condoms correctly.
• Do not inject drugs.
• Limit alcohol consumption. People take more risks when intoxicated.
• Do not share needles or any devices that can break the skin. That includes needles for tattoos, piercings, and acupuncture.
• If you receive medical or dental care, make sure the equipment is disinfected or sanitized.

Know how to get medical care while traveling

Plan for how you will get health care during your trip, should the need arise:

• Carry a list of local doctors and hospitals at your destination.
• Review your health insurance plan to determine what medical services it would cover during your trip. Consider purchasing travel health and medical evacuation insurance.
• Carry a card that identifies, in the local language, your blood type, chronic conditions or serious allergies, and the generic names of any medications you take.
• Some prescription drugs may be illegal in other countries. Call the Cook Islands’s embassy to verify that all of your prescription(s) are legal to bring with you.
• Bring all the medicines (including over-the-counter medicines) you think you might need during your trip, including extra in case of travel delays. Ask your doctor to help you get prescriptions filled early if you need to.

Many foreign hospitals and clinics are accredited by the Joint Commission International. A list of accredited facilities is available at their website ( www.jointcommissioninternational.org ).

In some countries, medicine (prescription and over-the-counter) may be substandard or counterfeit. Bring the medicines you will need from the United States to avoid having to buy them at your destination.

Select safe transportation

Motor vehicle crashes are the #1 killer of healthy US citizens in foreign countries.

In many places cars, buses, large trucks, rickshaws, bikes, people on foot, and even animals share the same lanes of traffic, increasing the risk for crashes.

Be smart when you are traveling on foot.

• Use sidewalks and marked crosswalks.
• Pay attention to the traffic around you, especially in crowded areas.
• Remember, people on foot do not always have the right of way in other countries.

Riding/Driving

Choose a safe vehicle.

• Choose official taxis or public transportation, such as trains and buses.
• Ride only in cars that have seatbelts.
• Avoid overcrowded, overloaded, top-heavy buses and minivans.
• Avoid riding on motorcycles or motorbikes, especially motorbike taxis. (Many crashes are caused by inexperienced motorbike drivers.)
• Choose newer vehicles—they may have more safety features, such as airbags, and be more reliable.
• Choose larger vehicles, which may provide more protection in crashes.

Think about the driver.

• Do not drive after drinking alcohol or ride with someone who has been drinking.
• Consider hiring a licensed, trained driver familiar with the area.
• Arrange payment before departing.

Follow basic safety tips.

• Wear a seatbelt at all times.
• Sit in the back seat of cars and taxis.
• When on motorbikes or bicycles, always wear a helmet. (Bring a helmet from home, if needed.)
• Avoid driving at night; street lighting in certain parts of the Cook Islands may be poor.
• Do not use a cell phone or text while driving (illegal in many countries).
• Travel during daylight hours only, especially in rural areas.
• If you choose to drive a vehicle in the Cook Islands, learn the local traffic laws and have the proper paperwork.
• Get any driving permits and insurance you may need. Get an International Driving Permit (IDP). Carry the IDP and a US-issued driver's license at all times.
• Check with your auto insurance policy's international coverage, and get more coverage if needed. Make sure you have liability insurance.
• Avoid using local, unscheduled aircraft.
• If possible, fly on larger planes (more than 30 seats); larger airplanes are more likely to have regular safety inspections.
• Try to schedule flights during daylight hours and in good weather.

Medical Evacuation Insurance

If you are seriously injured, emergency care may not be available or may not meet US standards. Trauma care centers are uncommon outside urban areas. Having medical evacuation insurance can be helpful for these reasons.

Helpful Resources

Road Safety Overseas (Information from the US Department of State): Includes tips on driving in other countries, International Driving Permits, auto insurance, and other resources.

The Association for International Road Travel has country-specific Road Travel Reports available for most countries for a minimal fee.

Traffic flows on the left side of the road in the Cook Islands.

• Always pay close attention to the flow of traffic, especially when crossing the street.
• LOOK RIGHT for approaching traffic.

Maintain personal security

Use the same common sense traveling overseas that you would at home, and always stay alert and aware of your surroundings.

Before you leave

• Research your destination(s), including local laws, customs, and culture.
• Monitor travel advisories and alerts and read travel tips from the US Department of State.
• Enroll in the Smart Traveler Enrollment Program (STEP) .
• Leave a copy of your itinerary, contact information, credit cards, and passport with someone at home.
• Pack as light as possible, and leave at home any item you could not replace.

While at your destination(s)

• Carry contact information for the nearest US embassy or consulate .
• Carry a photocopy of your passport and entry stamp; leave the actual passport securely in your hotel.
• Follow all local laws and social customs.
• Do not wear expensive clothing or jewelry.
• Always keep hotel doors locked, and store valuables in secure areas.
• If possible, choose hotel rooms between the 2nd and 6th floors.

Healthy Travel Packing List

Use the Healthy Travel Packing List for Cook Islands (New Zealand) for a list of health-related items to consider packing for your trip. Talk to your doctor about which items are most important for you.

Why does CDC recommend packing these health-related items?

It’s best to be prepared to prevent and treat common illnesses and injuries. Some supplies and medicines may be difficult to find at your destination, may have different names, or may have different ingredients than what you normally use.

If you are not feeling well after your trip, you may need to see a doctor. If you need help finding a travel medicine specialist, see Find a Clinic . Be sure to tell your doctor about your travel, including where you went and what you did on your trip. Also tell your doctor if you were bitten or scratched by an animal while traveling.

For more information on what to do if you are sick after your trip, see Getting Sick after Travel .

Map Disclaimer - The boundaries and names shown and the designations used on maps do not imply the expression of any opinion whatsoever on the part of the Centers for Disease Control and Prevention concerning the legal status of any country, territory, city or area or of its authorities, or concerning the delimitation of its frontiers or boundaries. Approximate border lines for which there may not yet be full agreement are generally marked.

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Industry Sectors

Through licensed insurers, managers, brokers and agents licensed to carry on insurance business, the cook islands is able to offer a comprehensive range of insurance services including life, health, accident, property, marine, aviation and travel., captive insurance.

In 2013 the Cook Islands passed the Captive Insurance Act 2013 (the “Act”) and placed itself at the forefront in the Asia Pacific region of an industry that is continually growing and seeking strong well respected jurisdictions from which to establish and administer captive insurance structures. Learn about the features and benefits of establishing Captives in the Cook Islands here

Licensed Insurance Companies

Federal Pacific Insurance

Tower Insurance

Brokers and external captive insurance managers.

Lockton Companies NZ Limited Partnership

Willis New Zealand Limited

P.O. Box 3255 Clarkes Building, Parekura Rarotonga COOK ISLANDS

Email: [email protected] Phone: +682 21-175

Office Hours

Mon – Fri: 8am – 4pm ​Sat – Sun: Closed​

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"To provide the people of the Cook Islands with affordable insurance solutions and excellent service to meet all their needs and provide peace of mind.

We wish to promote a culture where everyone is prepared for those unforeseen situations."

Kia Orana, at FPI we welcome your business and are ready and willing to meet your particular insurance needs. Whether you require commercial or private insurance cover we have the right products to ensure maximum protection of your assets.

We launched in Rarotonga in 2015 with the aim of providing Cook Islands public the ability to place general insurance cover with a viable alternative to their existing insurer. We also bring a better standard of insurance and customer care. Whether you are looking for effective personal or commercial insurance we have you covered.

F PI utilises the reinsurance backing of some of the worlds largest reinsurers so that you will always be sure your cover is secure.

FPI Cook Islands is part of a network of insurance businesses run across the South Pacific from Cook Islands, Tonga, Samoa and East Timor.

FPI's enthusiastic and capable team comprises of locally born staff, who will endeavor to make your experience with us a rewarding and enjoyable one. We can offer quotes over the telephone, as well as coming out to visit and sight your assets at no extra cost. Our staff are highly professional and will always be mindful of the confidential nature of your business. We are proactive, interested in your business and are here to help you find the right solution to your insurance needs.

Personalised service from our professional staff

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Federal Pacific Insurance Cook Islands

[email protected]

Federal Pacific House

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Sorry, there are no results matching your search., inflation eases in april.

The April CPI report brought better news on the inflation front.

May 15, 2024

The consumer price index (CPI) rose 0.3% in April, a touch lower than the consensus expectation of 0.4%. Higher energy prices and shelter costs fueled the rise in inflation. Gasoline prices increased 2.8% after rising by 1.7% in March. There was a slight moderation in housing costs, 0.2% versus 0.4% in the prior month, although with an asterisk. Shelter costs rose 0.4%, the same as in recent months, still not showing the cooling. Instead, a 0.3% drop in fuel and utility costs for housing contributed to the moderation in overall housing costs. Food prices were unchanged, essentially flat over the past three months. The CPI index rose 3.4% from a year ago in April, down from 3.5% in March.

The core CPI, which excludes food and energy, rose 0.3%, right in line with market expectations. Core CPI rose 3.6% from a year ago in April, a step down from 3.8% in March. Big-ticket item prices continue to fall and have entered deflationary territory. Prices for new vehicles, appliances and furniture all declined. Goods prices fell 0.1% in April; they are down 1.3% from a year ago. The annual decline in goods prices is the largest drop in 20 years, since April 2004. 

The supercore services measure, which excludes shelter and energy costs, rose 0.4% in April after rising 0.7% in March. The three-month annualized measure decelerated to 6.3% from 8.2%. Despite the easing in both measures, inflation is still running too hot. On an annualized basis, the supercore measure picked up to 4.9% from 4.8%. 

Medical services and insurance costs firmed again in April. Hospital costs rose 0.6% and motor vehicle insurance rose 1.8%. Over the last 12 months, motor vehicle insurance is up 22.6%. 

Consumers continue to travel. TSA throughput remains at elevated levels as vacationers are enticed by travel deals. Airline fares declined 0.8% while hotel costs fell 0.3%. 

Several of the pass-through components in CPI and the prior day's hotter-than-expected PPI release that feed into the personal consumption expenditures (PCE) index imply that the PCE measure will show less progress when it is reported later this month.

Several of the pass-through components in CPI and the prior day's hotter-than-expected PPI...imply that the PCE measure will show less progress when it is reported later this month.

Ken Kim, KPMG Senior Economist

Bottom Line

The April CPI report brought better news on the inflation front, although the progress can be best described as modest. Although overall housing costs cooled, other primary measures of housing such as rental costs and owners' equivalent rent remained higher. Financial markets have rallied on the inflation data, relieved that inflation did not print with an upside surprise. We continue to forecast one rate cut from the Federal Reserve in December while market expectations are now sizing up to two rate cuts in 2024.

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