Given Fiji’s close proximity to Australia, its natural beauty and affordability, it’s no surprise that it’s one of Australia’s favourite holiday destinations.
You might be looking to board a ferry to the islands after flying into Nadi, or making your way to Suva or the eastern regions from Nausori. Whatever your itinerary, one thing you can’t forget when you’re organising your trip is to arrange travel insurance.
Our experts have analysed the prices and policy features of more than 65 travel insurance policies to take the hassle out of this task.
Below we reveal the policies that will give you the cheapest travel insurance or best value cover for your trip to Fiji
On this page:
- Do you need travel insurance for Fiji?
- Will travel insurance cover scuba diving in Fiji?
- Checklist for your Fiji holiday
- How much does travel insurance for Fiji cost?
- What is the cheapest travel insurance for Fiji?
- Best value travel insurance policies for Fiji
Do you need travel insurance for Fiji?
Yes, travel insurance is essential for Australians travelling to Fiji.
Depending on the level of cover you choose, travel insurance can be used for medical costs in case of illness or injury, medical repatriation to Australia, cover for lost baggage, cancellation costs and alternative accommodation should something interrupt your travel.
Medical Cover
The standard of Fiji's medical care is generally lower than in Australia, and fairly limited, with many hospitals only providing basic care. Before admitting patients, hospitals usually require a payment guarantee, proof of medical insurance and/or an upfront deposit. In the case of serious accidents and illness, you may need to be transferred back to Australia, making cover for medical repatriation is essential.
If you have a pre-existing condition, read the fine print to make sure you understand whether you're covered if you need medical treatment for the condition while in Fiji. Some insurers will only cover pre-existing conditions for an extra fee and pending a medical assessment – so read your PDS.
Natural disaster cover in Fiji
Fiji can experience severe weather and natural disasters like cyclones, flooding, landslides, earthquakes and tsunamis.
Cyclone season is November to April, but they may also occur at other times.
Flooding is common in Fiji, particularly around Nadi and the Coral Coast. Keep your eye on the Fiji Meteorological Service for updates.
Earthquakes can also occur in Fiji and may be followed by a tsunami. Smart Traveller urges travellers not to wait for official warnings but to move to higher ground if you feel more than a minor tremor or see or hear unusual changes from the sea. Once on higher ground, monitor local media and follow authorities advice.
See our advice on natural disaster cover in travel insurance.
Do a 'find' (Ctrl F on PC or Command F on Macs) on your PDF and search for 'natural disaster' to check for cover or exclusions. Don't rely on ChatGPT or other AI tools to do it for you (we've tried it, it's not always right).
Will travel insurance cover scuba diving in Fiji?
Many insurers will cover you for scuba diving with some special conditions – for example, to a certain depth with appropriate qualifications or a certified instructor.
Before getting insurance for a diving holiday, make sure it will cover you for the specific dives you intend to do by reading the PDS or getting in touch with the insurer.
We don't review them, but you can get specialised diving insurance from organisations such as the Divers Alert Network that may cover diving activities that are not covered by regular travel insurance policies. But make sure you review their PDS well to insure you understand what they cover and what they don't.
There are two decompression chambers in Fiji, located in Suva and Nadi.
Checklist for your Fiji holiday
- Check if your passport is still valid, and if not, renew your passport online. Australian travellers don't need a visa to enter Fiji, if staying less than four months.
- Keep a printout of your travel insurance details with you at all times while on your trip. It's also a good idea to share your insurance details with family or friends before you leave.
- Keep on top of the latest travel advice for Fiji.
How much does travel insurance for Fiji cost?
A family of four with adults aged under 55 years will pay about $160 for travel insurance for an eight-day holiday in Fiji.
A single person aged less than 55 will pay an average of $85.
A couple aged under 55 will pay around $155, and a couple aged over 55 years will pay about $290.
The length of your trip, how comprehensive your cover is, your age, how far in advance you buy your policy and your excess will all affect the price of your travel insurance policy.
We looked at over 2000 varied quotes for eight day holidays, which we used to calculate the estimates above.
What is the cheapest travel insurance for Fiji?
We used our database of 11,000-plus quotes for a huge range of scenarios, to reveal the cheapest insurance policies for a Fijian holiday, detailed below. But while these policies might be cheap, they won't necessarily cover everything you need.
For the policies that provide the best coverage for your buck, log in or join CHOICE to discover the best value policies as evaluated by our experts. Note that medical-only policies provide medical cover and cover for medical repatriation. They don't provide cover for things like cancellation costs, lost baggage, or missed connections.
AHM Medical Only
- Price score for Fiji travel: 99%
- Medical cover only
Tick Travel Insurance Basic
Southern Cross Travel Insurance (SCTI) Medical Only
- Price score for Fiji travel: 94%
- Medical cover only
Insureandgo Bare Essentials
- Price score for Fiji travel: 93%
- Unlimited medical cover; no cover for cancellation
Tick Travel Insurance Budget
- Price score for Fiji travel: 92%
- Unlimited medical cover; $5000 cancellation cover
Although these provide basic cover, sometimes you need to spend a little more to get the cover that will really save you money in the long run.
Below, we reveal the best value policies. Log in to unlock this members-only content, or join CHOICE to get instant access to all of our expert, independent reviews.
Best value travel insurance policies for Fiji
Exclusively for CHOICE members, we've listed the best value travel insurance policies for travelling to Fiji.
All of these policies provide unlimited cover for medical care and cover for scuba diving up to at least 12 metres with appropriate qualifications.
Unlock this article and more
- Information you can trust
- See the best brands
- Avoid the worst performers
Stock images: Getty, unless otherwise stated.
