Best Travel Insurance for Cook Islands in 2025
- The best travel insurance plans for Cook Islands
- Is it currently safe to travel to Cook Islands?
- Is travel insurance required by law to enter Cook Islands?
- Why take out travel insurance for the Cook Islands?
- What should travel insurance for Cook Islands cover?
- The cost of travel insurance for Cook Islands
- How to Pay Less for Your Travel Insurance to Cook Islands
- Current insurance coverage in Cook Islands
- FAQ
Travel insurance for Cook Islands: key takeaways
1. Definition: Travel insurance for the Cook Islands covers medical emergencies, repatriation, and other unforeseen travel disruptions.
2. Key protection: Travel insurance is not mandatory but is highly recommended due to the islands' remote location.
3. Healthcare cost: Medical facilities are limited; an emergency medical evacuation to New Zealand can exceed $75,000.
4. Price: A one-week travel insurance policy for the Cook Islands typically costs between $40 and $70.
5. Good to know: Ensure your policy covers water sports and activities like scuba diving if you plan them.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 42 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for the Cook Islands.
The best travel insurance plans for Cook Islands
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Recommended for Cook Islands due to high coverage and flexibility. - strong medical limit - covers medical evacuation - robust global support |
| Cap Assistance 24/24 | $1.1M | Good option for comprehensive coverage and assistance abroad. - 24/7 assistance - no medical deductible - clear claim process |
| Tourist Card | $540K | Suitable for most tourists with simple needs. - straightforward medical coverage - emergency assistance available - easy to activate online |
| Travel Pass Monde | $750K | Balanced for both extended stays and active visits. - hospital costs abroad covered - repatriation included - customer-friendly terms |
| Globe Partner | $320K | Reliable for essential coverage while visiting the Cook Islands. - emergency treatment abroad - civil liability included - medical evacuation |
| Globe Traveller | $540K | Budget-conscious option for shorter or low-risk trips. - essential medical benefits - fast reimbursements - capped medical ceiling |
- strong medical limit
- covers medical evacuation
- robust global support
- 24/7 assistance
- no medical deductible
- clear claim process
- straightforward medical coverage
- emergency assistance available
- easy to activate online
- hospital costs abroad covered
- repatriation included
- customer-friendly terms
- emergency treatment abroad
- civil liability included
- medical evacuation
- essential medical benefits
- fast reimbursements
- capped medical ceiling
Is it currently safe to travel to Cook Islands?
As of June 2025, the US Department of State indicates the safety level for the Cook Islands is stable, with normal precautions recommended for all travelers.
Here are their four main recommendations.
- Security risks: petty theft can occur in busy tourist areas, such as at the Punanga Nui Market in Rarotonga. Travelers should secure their belongings and exercise caution, especially where crowds gather.
- Health risks: no specific vaccinations or health certifications are required, but medical treatment costs can be high and facilities are limited outside Rarotonga Hospital. Illness or injury in remote areas may require costly evacuation.
- Entry requirements: US citizens may stay up to 31 days without a visa, provided their passport is valid for at least six months after their departure date. Proof of onward travel and accommodation must be presented upon arrival.
- Environmental risks: while natural disasters are rare, cyclones may occur between November and April. Visitors should monitor local weather and heed evacuation instructions if necessary.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in Cook Islands.
Is travel insurance required by law to enter Cook Islands?
No, travel insurance is not mandatory for US travelers entering Cook Islands.
Even though it is not legally required, travel insurance is strongly recommended due to the high cost of medical care for foreign visitors. Travelers are expected to pay for all healthcare expenses out-of-pocket if they fall ill or are injured during their stay.
According to our data, 80% of travelers purchase travel insurance before going to Cook Islands. This high rate reflects the need to protect against unexpected medical expenses, since the health system is expensive for non-residents.
Why take out travel insurance for the Cook Islands?
It is an essential financial and medical protection for anyone going to Cook Islands.
In Cook Islands, public hospitals like Rarotonga Hospital are available in the main towns, but medical facilities are basic and specialized care is limited. Visitors requiring advanced treatment or surgery might need to be transferred to New Zealand, which results in high costs for ambulance services, evacuation flights, and hospital stays. All medical expenses must be paid by the traveler at the time of service.
Travel insurance covers medical fees, hospitalization, medication, ambulance transport, and emergency repatriation to the US if a serious incident occurs.
Here are some examples of healthcare costs in Cook Islands.
| Example of medical treatment | Cost at Rarotonga Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 7,500 NZD (about $4,600) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 3,200 NZD (about $2,000) | up to 100% |
| I need to be repatriated | 60,000 NZD (about $36,600) | up to 100% |
| I have appendicitis (consultation and surgery) | 17,500 NZD (about $10,700) | up to 100% |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
What should travel insurance for Cook Islands cover?
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Pays for doctor visits, hospital care, and medical emergencies during your trip. Recommended minimum reimbursement limit: $150,000. |
| 🚑 Medical evacuation and repatriation | Covers emergency transport by air or sea to New Zealand or the US if local care is not sufficient. Recommended minimum: $200,000. |
| 💊 Prescription medication | Reimburses the cost of prescribed drugs if you fall ill or are injured. Recommended minimum: $1,000. |
| 🏨 Hospital accommodation | Pays for extended hospital stays if medically necessary. Recommended minimum: $100,000. |
| 🛄 Lost, stolen, or damaged baggage | Compensates you for lost or damaged luggage or personal belongings. Recommended minimum: $2,000. |
| 🚗 Rental vehicle excess | Covers repair costs or excess charges if your rental vehicle is damaged or stolen. Recommended minimum: $2,500. |
| 🔄 Trip cancellation or interruption | Refunds non-refundable trip costs if you must cancel or interrupt your journey for approved reasons. Recommended minimum: $5,000. |
| 👨⚖️ Personal liability | Covers claims if you accidentally cause injury or property damage to others. Recommended minimum: $300,000. |
Recommended minimum reimbursement limit: $150,000.
Recommended minimum: $200,000.
Recommended minimum: $1,000.
Recommended minimum: $100,000.
Recommended minimum: $2,000.
Recommended minimum: $2,500.
Recommended minimum: $5,000.
Recommended minimum: $300,000.
Travel insurance from local providers or bank cards often offers limited coverage, with low limits and many exclusions. It is safer to choose a trusted insurer with full coverage. Compare top options on HelloSafe and subscribe online for instant certification.
The cost of travel insurance for Cook Islands
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $29 |
| 2 weeks | 45 years old | $53 |
| 1 month | 35 years old | $78 |
| 1 month | 70 years old | $142 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of your travel insurance depends on several key factors: your age, trip duration, destination, and selected options like cancellation coverage. Be sure to consider these elements when comparing policies. This will help you choose the right coverage for your trip and budget, avoiding any unwelcome surprises.
💡 It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
👉 Compare the best travel insurance for freeI compareHow to Pay Less for Your Travel Insurance to Cook Islands
Here are some suggestions to optimize the cost of your travel insurance to Cook Islands while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 👤 Traveler's age | Premiums increase with age and can rise sharply for older travelers. Age matters for insurer pricing models. | Compare several insurers by age group. The insurer Heymondo does not increase its prices for people over 62. |
| 🗓️ Trip duration | Insuring longer trips leads to higher costs overall. Accurate trip length allows you to avoid paying for non-travel days. | Limit coverage only to actual trip dates and avoid insuring extra days unless truly necessary. |
| 🏥 Level of coverage | Medical care in Cook Islands is expensive for visitors. Medical and evacuation benefits are important. | Select plans with adequate but not excessive medical coverage and focus on key medical benefits. |
| 👨👩👧👦 Number of travelers | Family or group insurance may offer reduced rates per person compared to individual policies. | Look for group or family discounts if traveling as a couple, family, or group of friends. |
| 🏄 Activities planned | Water activities and outdoor sports are common but may not be covered by default, can raise the cost. | Only add extra coverage for specific activities if you expect to take part in them. |
| 🏨 Deductible | Opting for a higher deductible reduces the upfront price but increases what you pay for small claims. | Select a higher deductible if you can pay out-of-pocket for small or moderate expenses. |
| 🛒 Purchase timing | Buying insurance as soon as the trip is booked ensures more options, but waiting can save if travel plans change. | Buy right after your trip is confirmed to access full options at competitive prices. |
Current insurance coverage in Cook Islands
It is normal to question whether your existing insurance policies, such as those linked to your credit card or your health insurance, will cover you in the Cook Islands. Unfortunately, coverage from these sources is often restricted or insufficient when you are abroad.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Cook Islands? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No expenses covered outside the U.S., no support for hospitalization or evacuation | Travel insurance can provide up to $500,000 for medical treatment, evacuation, and assistance |
| Private health insurance (Aetna, Blue Cross, UnitedHealthcare) | Yes, partly | May cover some emergencies up to $25,000–$50,000; no evacuation, trip issues usually excluded | Travel insurance provides $500,000 for medical needs, repatriation, and travel disruptions |
| Classic credit card (Visa Classic, Mastercard Standard, Discover) | Yes, partly | Medical emergencies up to $10,000–$25,000, usually no coverage for evacuation or baggage | Travel insurance covers medical, luggage loss, and up to $500,000 for major emergencies |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Citi Prestige) | Yes, partly | Medical incidents up to $100,000, some trip delay or baggage support, evacuation limited | Travel insurance offers much higher limits and stressful situations like evacuation are included |
Example
While scuba diving in Aitutaki, Mark got decompression sickness. The necessary air ambulance to New Zealand cost $80,000. His American Express card’s travel protection had a $10,000 limit, and his domestic health plan didn't cover foreign evacuations, leaving him with a shocking $70,000 bill for his dream vacation.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption for a relative’s illness, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it's safer and more reassuring to get dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Cook Islands?
No, U.S. citizens do not need a visa for tourist stays of up to 31 days in the Cook Islands. Your passport must be valid for at least six months beyond your planned departure date, and you will need proof of onward or return travel as well as accommodation confirmation.
How do I purchase travel insurance for Cook Islands?
First, use the HelloSafe travel insurance comparison tool to compare coverage and prices. Next, carefully review the coverage details and exclusions, paying attention to guarantees that may be especially important for the Cook Islands, such as medical care and baggage protection. Then, buy your insurance online and receive your certificate by email.
Are medical expenses high in the Cook Islands?
Healthcare in the Cook Islands is available but can be expensive for tourists. Local clinics can handle minor ailments, but serious health issues may require evacuation to New Zealand, which could cost several thousand dollars if uninsured. Comprehensive travel insurance can help cover these expenses.
Can I find travel insurance that covers activities like snorkeling or scuba diving?
Many travel insurance policies offer optional coverage for adventure sports including snorkeling and scuba diving, which are popular in the Cook Islands. Check that your chosen policy covers these activities, especially if you plan to rent equipment or participate in organized excursions.
What should I do if I have a medical emergency in the Cook Islands?
In case of a medical emergency, contact your insurance provider’s emergency assistance number as soon as possible. They can arrange for payment to medical providers and help organize an evacuation if necessary. Always keep your insurance card and emergency contacts with you while traveling.
How much does travel insurance for the Cook Islands usually cost?
For a two-week trip, travel insurance for the Cook Islands typically costs between $40 and $90 per person, depending on your age, coverage levels, and whether you include activities like scuba diving. Comprehensive policies with higher medical coverage limits and cancellation protection will be at the upper end of the range.
Do I need a visa to travel to Cook Islands?
No, U.S. citizens do not need a visa for tourist stays of up to 31 days in the Cook Islands. Your passport must be valid for at least six months beyond your planned departure date, and you will need proof of onward or return travel as well as accommodation confirmation.
How do I purchase travel insurance for Cook Islands?
First, use the HelloSafe travel insurance comparison tool to compare coverage and prices. Next, carefully review the coverage details and exclusions, paying attention to guarantees that may be especially important for the Cook Islands, such as medical care and baggage protection. Then, buy your insurance online and receive your certificate by email.
Are medical expenses high in the Cook Islands?
Healthcare in the Cook Islands is available but can be expensive for tourists. Local clinics can handle minor ailments, but serious health issues may require evacuation to New Zealand, which could cost several thousand dollars if uninsured. Comprehensive travel insurance can help cover these expenses.
Can I find travel insurance that covers activities like snorkeling or scuba diving?
Many travel insurance policies offer optional coverage for adventure sports including snorkeling and scuba diving, which are popular in the Cook Islands. Check that your chosen policy covers these activities, especially if you plan to rent equipment or participate in organized excursions.
What should I do if I have a medical emergency in the Cook Islands?
In case of a medical emergency, contact your insurance provider’s emergency assistance number as soon as possible. They can arrange for payment to medical providers and help organize an evacuation if necessary. Always keep your insurance card and emergency contacts with you while traveling.
How much does travel insurance for the Cook Islands usually cost?
For a two-week trip, travel insurance for the Cook Islands typically costs between $40 and $90 per person, depending on your age, coverage levels, and whether you include activities like scuba diving. Comprehensive policies with higher medical coverage limits and cancellation protection will be at the upper end of the range.
