Fiji travel Insurance

• Will You Pay My Hospital Bills If I get sick or injured in Fiji?

• If you are hospitalised, or if you are treated as an outpatient, or if the total cost of your treatment will exceed $1,000, please contact our emergency assistance service as soon as possible to obtain prior approval.
  
  In circumstances where the claim is approved, we can then provide written guarantees of payment of reasonable expenses for emergency hospitalisation that may be required while you are in Fiji. Please refer to the PDS and policy schedule for any relevant exclusions.

• Will You Fly Me Home If I Get Sick or Injured in Fiji?

• If you have purchased international travel insurance cover with 1Cover, we would cover your medical transfer or evacuation.  Should the need arise, we would bring you back to Australia with appropriate medical supervision.
  
  Cover is also available under these plans for the return to Australia of your dependants if they are left without supervision following your hospitalisation or evacuation.
  
  All expenses for medical evacuation must first be approved by 1Cover. 
  
  This only applies to the plans listed above, as there is no cover for medical/hospital expenses or repatriation under Domestic plans.

• Will I Be Covered If I Ride A Scooter, Moped Or Motorcycle While In Fiji?

• If you are in control of a motorcycle or scooter with an engine capacity greater than 125cc, you need to hold a current, valid Australian motorcycle licence. If you are riding a motorcycle or scooter with an engine capacity lower than 125cc, you need to hold a current, valid Australian drivers licence.
  
  You also need to be aware that cover will not be provided to you if you are a passenger on a moped, scooter or motorcycle, and the person in control does not have a valid motorcycle licence for that country.  
  
  Please note that it’s compulsory to wear a helmet while riding a motorbike or scooter in many countries. Regardless of local requirements, 1Cover advises you to wear a motorcycle helmet whenever you are a rider or passenger on a scooter or motorbike

• Can I Apply To Extend My Travel Insurance Policy While I’m Away?

• Yes, of course. If you want to extend your policy while you’re in Fiji, the easiest way to do this is via the online Policy Manager.
  
  You'll need your policy number (available in the email confirming your policy), and a few other simple details. Once logged in you can extend the duration of your trip, add destinations, or buy add ons/extras.
  
  Make sure you extend your policy before it expires (please keep in mind Australian AEST/AEDST).
  
  If you have trouble, you can email us at info@1Cover.com.au.
  
  Please note there may be instances where a policy extension is not available.

• What Happens If I Encounter Terrorism Or Political Unrest in Fiji?

• In the event of a terrorist attack or political unrest, there is no cover for cancellation fees and lost deposits, disruption of journey or alternative transport expenses.
  
  However, if you do get caught up in an unforeseen event while you are in Fiji and you are injured, cover is available for all necessary medical & hospital expenses.

• Can I Choose My Excess?

• Sure. If you choose a lower excess, it means you'll pay less if you need to claim, but you'll pay a little bit more upfront. If you opt for a higher excess, it means you'll pay less now and a little bit more if you need to claim.

• I travel to Fiji a few times a year. What’s the best policy for me?

• Our Frequent Traveller policy allows you to take as many trips to Fiji and other destinations under the one policy for 12 months - and enjoy comprehensive cover on each one.
  
  Find out more about our annual travel insurance policies here.

• Do you cover seniors travelling to Fiji?

• We can provide cover to people of all ages. If you have any pre-existing medical conditions we may require a little more information from you and some exclusions may apply. See here for more details.

• Am I Covered For Travel Interruptions Caused By Cyclones And Other Natural Disasters?

• Travel insurance provides cover for weather events as long as they are unforeseen. The most common types of natural disasters in Fiji are cyclones, storms, and flooding. Our policies do not cover claims for losses caused by an event that you were aware of at the time of purchasing your policy.
  
  Once an event has become published in the mass media, it is expected that you have purchased your insurance with this knowledge in mind. 1Cover will, where possible, issue travel warnings in relation to such large scale events and the dates and times after which they are not seen as an unforeseen event.

• Can I Get Extra Cover For My High-Value Items?

• Laptop computers, cameras, mobile phones…they're essentials at home and at times, on holiday too. That’s why you can choose a bit of extra protection for your can’t-live-without items. All you need to do is include and specify certain high-value items that aren't automatically covered when you're buying your policy.
  
  Note: the items cannot be older than 12 months, and you can't specify items like jewellery, watches, bicycles and watercraft (apart from surfboards).

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