Travel Insurance - Cover for Fiji


Important Travel Alert:

Before you buy, please read our travel alerts.

Why Do I Need Travel Insurance For Fiji?

It is no longer mandatory to have travel insurance that includes medical cover for COVID-19 before travelling to Fiji.
However, it's still essential to take travel insurance whenever you travel overseas
With unlimited overseas medical cover, you can count on 1Cover for a worry-free Fiji holiday.  Get instant cover today.


Cost of an air ambulance from Fiji to Australia.


Helicopter evacuation from remote areas in Fiji.


Cost of repatriation on a plane from Fiji to Australia.

Five fast facts when travelling to Fiji

  1. 1. From the 14th of February, 2023, international travellers to Fiji no longer require proof of COVID-19 vaccination and travel insurance to enter Fiji. You can get the latest updates on Fiji from Smartraveller.
  2. 2. Nearly a quarter of people assume the government will pay their medical bills overseas in an emergency setting. But if you do get sick or injure yourself in Fiji, you’d have to pay for all medical expenses including hospital visits, medicine, and even medical evacuation.
  3. 3. November through to April is the wet season, which is when there is the highest risk of cyclones in the Fijian islands, but they can occur at other times too.
  4. 4. Mosquito-borne illnesses (including dengue fever and Zika) are common in Fiji.  Protect yourself against mosquito bites.
  5. 4. One in six claims made by 1Cover customers that have visited Fiji were for lost or damaged belongings.
  6. 5. You must have medical travel insurance that covers international travel including Covid-19 before travelling to Fiji.  You can count on 1Cover.

Travel insurance can't prevent the unexpected. But with 1Cover, you'll have someone there when one thing goes wrong. Keep reading to find out everything you need to know about travel insurance for Fiji.

What Are My Travel Insurance Options For Fiji?

Option 1


This is our highest level of cover. 


Option 2

Medical Only

For medical expense coverage only.

Option 3

Frequent Traveller

If you travel more than once a year.

We've provided an outline for each of the options below. If you need more information or need to view the terms and conditions, please take a look at the PDS, or get an instant quote now.


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Option 1: Comprehensive Cover  

Comprehensive Travel Insurance is our highest level of cover, with optional add-ons for cruise, extra rental vehicle excess, and high-value items.

If you have pets, we include vet fees if your pet gets sick while you're away, and we'll pay pet boarding fees if you're delayed. 

For a detailed outline of benefits and inclusions, as well terms and conditions, please refer to the PDS, or get an instant quote now.

Fiji Travel Insurance Policy Benefit Overseas Single-Trip
medical Cover 

Overseas Emergency Medical Assistance^


Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^


Resumption Of Journey^*


Hospital Cash Allowance^*


Repatriation Of Remains


Permanent Disability^*


Loss Of Income^*


luggage Cover 

Credit Card Fraud & Replacement^


Includes Travel Documents & Traveller's Cheques^


Theft Of Cash^#


Luggage & Personal Effects*


Luggage & Personal Effects Delay Expenses^


cancellation Cover 

Additional Accommodation & Travel Expenses*


Includes Family Emergency*


Includes Emergency Companion Cover*


Cancellation Fees & Lost Deposits*


Disruption Of Journey*


Alternative Transport Expenses^


ancillary Cover 

Personal Liability#

$5 million

Domestic Pets^*


Domestic Services^*


Rental Vehicle Insurance Excess#*



Choose Add-ons For your Comprehensive cover

If you’re travelling with expensive new items, going cruising, or you're worried about car rental insurance excess, then you may want to select the following add-ons. 


Cruise Pack 

Protect yourself while cruising the waters of Fiji with our Cruise Pack add-on.

Cover For Your Rental Vehicle
More cover for your
rental vehicle

We automatically cover rental excess up to $5,000. But you can increase this up to $8,000 if you need to.

High Value Items Cover
High Value Items Cover 

Protect high-value items that are not automatically covered by your policy. Note: items cannot be older than 12 months.



Option 2: Medical Only Cover


If you're travelling on a budget, and looking for cheap travel insurance to Fiji, then 1Cover’s Medical Only policy offers a cheaper alternative to comprehensive travel insurance. It's our most basic policy and will only provide cover for any medical expenses and emergency assistance costs

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the PDS, or get an instant quote now.

Medical Only Cover Policy
Medical Only Policy
Single Trip
medical Cover 

Overseas Emergency Medical Assistance^


Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^



Personal Liability#

$5 million

Option 3: Annual or Frequent Traveller Cover

Do you travel more than once a year to Fiji and other destinations? Then it might make sense to buy a multi trip annual policy. This works just like our comprehensive cover (detailed above), except you can take as many trips as you want in a year and you’ll still be covered.

Let us know the maximum trip duration of any one trip before selecting from the options below.


Frequent Traveller 21 days maximum


Frequent Traveller 45 days maximum


Find out which Annual Frequent Traveller cover policy would suit you best here. 

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the PDS, or get an instant quote now.


Fiji Travel Insurance FAQs

  • 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 50cc, you must hold a current, valid Australian motorcycle license. 

    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 license for Fiji.  

    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. 

  • What Is A Dependant?
  • Dependants are your children or grandchildren not in full-time employment, who are under the age of 19. In order to be classed as a dependant, the child must be travelling with their parent or grandparent at all times.

    If you have a child under 16 years of age that requires a single adult policy you will need to contact our customer service centre to discuss your options.

    Whether it’s two adults, multiple adults or just a single adult travelling, we allow for an unlimited amount of dependants to be added to a policy. 

  • 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 [email protected].

    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.

  • Do I need A Visa To enter Fiji? 
  • Australian citizens planning to visit Fiji for a holiday do not need to apply for a visitor visa, as Australia is on the visa-waiver list. There are some exceptions to this rule, which regard the long of your stay. 

    If you have been sentenced to imprisonment, deported from any country, or have been involved in known criminal or terrorist groups, then you should contact the nearest High Commission or Consulate of Fiji well in advance of travel for advice on visa requirements.

  • 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 if i'm pregnant when i'm travelling to Fiji?
    • If you're travelling to Fiji while pregnant, you are covered for single foetus pregnancies, up to, and inclusive of, the 24th week of gestation. For multiple pregnancies, you'll be covered up to and inclusive of the 19th week of gestation. If you have had complications from your pregnancy, you’ll need to complete a medical screening.

      We will assess your application and decide whether and to what extent we can offer you insurance for your pregnancy and/or journey. If you have not told us about the circumstances of your pregnancy when you were required to do so, we may refuse your claim or reduce it to the amount we would have paid had you given us the required information.

      Please note: we will not pay any medical expenses for:
      a) Regular antenatal care;
      b) Childbirth at any gestation; or
      c) Care of the newborn child. 

      Find more here. 

  • 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).




The One thing These Aussies Needed in Fiji


Cherie's Cruising Disaster 

Bad weather forced Cherie’s South Pacific cruise ship to skip two of its planned stops in Fiji. She thought she’d wasted her money and was so disappointed.

But because Cherie had 1Cover’s Cruise Pack, she was reimbursed close to $1,000.

It’s nice to have back-up when things happen on holiday.

Amanda's Sick Child 

While on an island holiday in Fiji, Amanda noticed a bad rash on her young son’s body. The resort doctor recommended he be transported to the nearest hospital in Nadi. A helicopter with a doctor was arranged and Amanda and her son were quickly transferred to the mainland hospital, where he was diagnosed with chickenpox.

We were able to cover all travel, hospital and medication so that Amanda’s son could get treatment.

Such a horrible experience, but thankfully he's safe. 

Linda's holiday Disappointment 

Right before her big family holiday to Fiji, Linda had a fall in her garden and ended up in hospital with a broken leg in three places. Her doctors told her she would not be able to travel for several months, and her holiday had to be postponed.

1Cover covered all cancellation and rescheduling costs so Linda was able to make rearrangements with ease.

The person I spoke to was SO helpful and reasonable.

Travel Insurance Award Winners 2023

mozo award

Travel Insurance Statistics

...they're interesting, really!


 Over 90% of travellers were covered by travel insurance the last time they went overseas.^


5% of 1Cover claimants travelling to Fiji had to cancel or postpone part or all of their trip.*

get covered

6 in 10 Aussies take out travel insurance for every trip they take.^

*In 2016/2017
^Research conducted in 2016

How Will Travel Insurance Help Me In Fiji?

24/7 Med Assistance
24/7 Medical Assistance

If something goes wrong in Fiji, you’ll need help. Whether it's treatment on the ground or being flown home ASAP, that's when travel insurance will save you time, money, and stress. 

your trip

Cancelling a trip before you leave or cutting a trip short can be expensive and disappointing. But with 1Cover, you can get unlimited cover for cancellation and lost deposits.

Ease Lost
Luggage Woes

Damaged/lost bags and belongings are one of the most common claims made by 1Cover travellers in Fiji. Thankfully, we provide up to $15K cover for luggage and personal item (including cameras, glasses, and laptops).


Exploring Fiji on the back of a scooter or motorbike? Remember the risks, especially on unfamiliar roads. We can be there if something happens - but you must read the PDS before you ride, and always wear a helmet.

Outdoor Adventure, Done Safe

Swimming with dolphins, white water rafting, cycling and snorkelling...Fiji is the perfect place to enjoy outdoor activities. Luckily, we cover 100+ activities so you can have a blast knowing you’re covered.

Car Hire
Car Hire 

Hiring a car? Fiji’s roads can be bumpy and unpredictable. Bypass the stress and avoid an expensive rental car excess bill at the depo. 1Cover automatically covers rental vehicle excess up to $5K.

Flood Relief

Fiji is prone to tropical cyclones, storms and floods. We can assist if you’re affected by unexpected events  – but always check the news and 1Cover's travel alerts before you book.

Control Your Cruise
Control Your

Cruisers can be vulnerable to onboard illness, lost items, cancelled day trips, weather delays, and more. If you’re cruising the Fijian islands, be sure you’ve got our Cruise Pack add-on.



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We've Already Helped 1.5 Million Customers

1Cover is rated 4.2 out of 5 by over 1639 reviews on
  • "Do not travel without 1Cover"

    We have used 1Cover for many years now and do not leave home without it. Great service, exceptional if you make a claim. Only insurer I would recommend. 

    By Ian, Nov 2022

  • Helpful, caring & supportive

    My husband required emergency surgery in the USA. There was no expense spared with either the medical costs (considerable) or our accommodation. We cannot speak highly enough of 1Cover and have recommended them to all our friends.  
    By Anonymous, Dec 2022

  • "great company"

    Found this company the best for insurance prior to Covid and especially now that travel has restarted. We had multiple credit vouchers that they have honoured with not problems. Thank you 1Cover for your great service. 

    By Bernadette, Dec 2022 

  • Easiest company

    You never know how good insurance is until you have to make a claim! 1Cover responded to us in their prescribed timeframe and our payout was made within 15 days. I would recommend them 100%. This is the seventh time we have used them and first time we had to claim. Well done! 

    By the Bakers, Nov 2022

Read More Reviews


If You Only Do One Thing...

The One Thing You Should Do With Your Family In Fiji

Ready for a holiday experience you and your kids will never forget? Here’s the one thing that should feature on your Fiji family holiday itinerary.

Airline Hosties
The One Thing Airline Hosties Don’t Tell You

They may seem happy, relaxed, and squeaky clean, but airline hosties are hiding a few sneaky secrets from their passengers. 

Tourist Clothing To Avoid
The One Thing You Shouldn’t Wear In Fiji

Just because it’s comfortable doesn’t mean it belongs in your holiday wardrobe! Here are just a few ridiculous items you should turf from the suitcase.


Before Your Trip...

Got some Questions? 

If you have any other questions that haven't been answered on this page, visit our FAQs section for even more information. From riding scooters to questions on cruising and travelling with kids, you'll find what you need here. 

Know before you go

The one thing you should do before you get travel insurance is look at 1Cover Travel Alerts. Here you’ll find information on new and current travel events and what will be covered by your policy. 


One Last Thing: Emergency Contacts & How To Claim

We hope nothing goes wrong on your trip to Fiji. But if it does, the resources in this section can help you.

The Australia High Commission is located in Suva. It provides Australians with a range of services, including consular, passport, visa and immigration, citizenship and cultural relations.

Be informed. Be prepared. If you're across The Australian Government's Smart Traveller website, you'll have all the latest information for your Fiji trip. Smart Traveller is a trusted resource for Australian travellers and is updated regularly, so make sure you bookmark this handy resource.

If you need emergency assistance in Fiji, please call our 24/7 emergency medical assistance line  on (+) 61 2 8776 3010 or email [email protected]

For non-emergency assistance, you can message our Sydney-based support centre seven days a week

If something happens to you and it's not an emergency, you can start the claims process whenever it's convenient to you. Visit our online claims platform, and if you have all the necessary documentation, your claim will be processed in 10 business days. 

Planning an Activity In Fiji?

Scuba Fiji
Scuba Dive In Fiji

Eager to meet Fiji’s fishiest locals but not sure where to start? Subsurface Fiji is a multi-award winning dive company that runs three dive trips a day, every day of the year. It caters to novices and professionals alike.

Thermal Springs In Fiji
Get Dirty In Fiji

Get dirty - literally - and meet the locals at Fiji’s Sabeto Valley Mud Pool and Thermal Spring. Lather yourself in the mud, let it dry, and then wash it off in the warm spring pool which is believed to healing properties. Aqua Tours Fiji run tours daily.

Hiking In Fiji
Hiking In Fiji

From lofty mountains to lush rainforests, Fiji is home to incredible hiking routes. Before setting off, be sure to chat to the people at Talanoa Treks, Fiji’s only dedicated hiking company. They run a range of single and multi-day hikes. 

Please note, 1Cover does not endorse or sponsor these activities. Activities are listed for informational purposes only.

Still Need Some Help? Contact Us!

If you have any other questions or queries, please visit our Contact Us page. 
If you are experiencing an emergency, please use the details on our Emergency Assistance page.