What are the best travel insurances for Fiji in 2025?
- The best travel insurances for Fiji
- Current travel safety in Fiji
- Is travel insurance required for a visa to Fiji?
- Why take out travel insurance for Fiji?
- What should travel insurance for Fiji cover?
- The cost of travel insurance for Fiji
- How can you pay less for your travel insurance to Fiji?
- The coverage of your current insurance in Fiji
- FAQ
Travel insurance for Fiji: key takeaways
1. Definition: Travel insurance for Fiji covers medical emergencies, trip cancellation, and other unexpected travel disruptions.
2. Key protection: Insurance is not mandatory for U.S. citizens, but it is highly recommended for medical emergencies.
3. Healthcare cost: Healthcare is expensive; a private hospital stay can cost over $500 USD per night.
4. Price: A one-week travel insurance policy for Fiji typically costs between $30 and $60.
5. Good to know: Consider policies covering trip disruptions due to cyclones, especially from November to April.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 41 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for Fiji.
The best travel insurances for Fiji
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.1M | Flexible coverage and high medical limits make this contract well-suited for Fiji. high coverageevacuation includedbroad assistance 24/7 |
| Cap Assistance 24/24 | $1.1M | Strong for both short and longer trips to Fiji. 24/7 helplinecancellation coverno deductible |
| Tourist Card | $550,000 | Useful for general tourism with robust protection. good medical coveragecovers typhoid and denguetrusted provider |
| Travel Pass Monde | $770,000 | A solid mid-range contract for longer stays. covers hospitalizationrepatriation includedlarge international network |
| Globe Partner | $330,000 | Essential cover for international stays with strong basics. repatriationsimple claimscivil liability |
| Globe Traveller | $550,000 | Efficient and affordable for short visits. essential medical limitsfast reimbursementsupport for emergency evacuation |
high coverageevacuation includedbroad assistance 24/7
24/7 helplinecancellation coverno deductible
good medical coveragecovers typhoid and denguetrusted provider
covers hospitalizationrepatriation includedlarge international network
repatriationsimple claimscivil liability
essential medical limitsfast reimbursementsupport for emergency evacuation
Current travel safety in Fiji
As of June 2025, the US Department of State indicates that travel to Fiji requires only normal precautions, with no official advisories against visiting the country.
Here are their four main recommendations.
- Security risks: petty crime, such as theft of bags or valuables, occurs most often in urban areas like Suva, especially after dark and along the waterfront. Extra caution is advised at Colo I Suva Forest Park.
- Health riskwws: dengue and chikungunya fever are present, and typhoid outbreaks occur regularly. Medical facilities in major cities are available, but quality in rural zones may be limited. Evacuation for serious injury or illness is often required.
- Legal constraints: drug-related offenses carry severe penalties, including lengthy imprisonment. Prescription medications must be accompanied by a doctor’s letter or a valid prescription.
- Environmental hazards: Fiji is prone to cyclones from November to April, and is situated within a seismic zone making earthquakes possible. Divers should note that the hyperbaric chamber is not operational, making insurance for decompression illness essential.
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 Fiji.
Is travel insurance required for a visa to Fiji?
Travel insurance is not mandatory for travelers from the US to obtain a visa or entry to Fiji.
However, it is strongly recommended to purchase travel insurance. Medical care can be limited or expensive in Fiji, and US health insurance does not provide coverage abroad. Insurance is also important for coverage in case of medical evacuation, accidents, or unforeseen events.
According to our data, 80% of travelers purchase travel insurance before going to Fiji. This high percentage is due to the need for medical coverage and emergency evacuation, especially considering the risk of injuries or illnesses in remote areas.
Why take out travel insurance for Fiji?
It is an essential financial and medical protection for anyone going to Fiji.
Health costs in Fiji can be high, especially for foreigners who usually need to use private facilities like Suva Private Hospital or Oceania Hospitals in Suva. Public hospitals may be available in urban centers, but their standards are often below those expected in the US, and advanced treatments may not be accessible outside the main islands. Emergency evacuation, when required due to severe illness or injury, can be particularly expensive.
Travel insurance covers medical expenses, hospitalization fees, medications, ambulance transport, and repatriation costs to the US in case of a serious incident.
| Example of medical treatment | Cost at Suva Private Hospital (FJD) (USD) | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 7,000 FJD (about $3,100) | up to 100% |
| I broke my tibia (X-ray, cast, and crutch rental) | 5,400 FJD (about $2,400) | up to 100% |
| I need to be repatriated | 50,000 FJD (about $22,000) | up to 100% |
| I have appendicitis (consultation and surgery) | 18,900 FJD (about $8,300) | 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 Fiji cover?
Here is a summary table of the main coverages you should look for in a travel insurance policy for Fiji.
| Main coverages | Explanations and recommendations |
|---|---|
| 🏥 Medical expenses | Covers doctor visits, hospital stays, and prescriptions if you get sick or injured. A reimbursement limit of at least $100,000 is recommended for Fiji. |
| 🚑 Medical evacuation & repatriation | Pays for air or sea evacuation to the nearest adequate hospital, or transport home in case of a major emergency. Recommend coverage of at least $150,000. |
| ✈️ Trip cancellation/interruption | Reimburses if you need to cancel or cut short your trip for covered reasons. Suggested limit: at least $5,000. |
| 🛄 Lost, damaged, or stolen baggage | Protects your belongings and provides compensation for lost, stolen, or damaged luggage. Look for a minimum limit of $1,500. |
| 🚗 Personal liability | Covers costs if you accidentally injure someone or damage property during the trip. Recommended minimum: $50,000. |
| 🏄♂️ Adventure/sports activity cover | Activities such as diving require extra coverage. Ensure plans include protection for water or adventure sports. Minimum recommended: $10,000. |
| 💬 24/7 assistance services | Gives access to emergency support, translation assistance, and advice at any time. No fixed limit, but confirm global 24/7 availability in Fiji. |
A reimbursement limit of at least $100,000 is recommended for Fiji.
Recommend coverage of at least $150,000.
Suggested limit: at least $5,000.
Look for a minimum limit of $1,500.
Recommended minimum: $50,000.
Minimum recommended: $10,000.
No fixed limit, but confirm global 24/7 availability in Fiji.
Travel insurance from local providers or bank cards is usually limited, with low reimbursements and many exclusions. For safer travel, use a trusted insurer with extensive protection. Compare leading policies on HelloSafe and buy online to get instant certification.
The cost of travel insurance for Fiji
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $31 |
| 2 weeks | 45 years old | $47 |
| 1 month | 35 years old | $62 |
| 1 month | 70 years old | $104 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The price of your travel insurance policy depends on several key factors: the traveler's age, trip duration, destination, desired coverage limits, and add-ons like a cancellation option. It's important to keep these elements in mind to select the most suitable coverage for your trip and ensure you're getting the best value.
💡 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 can you pay less for your travel insurance to Fiji?
Here are some suggestions to optimize the cost of your travel insurance to Fiji while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| 🧑💼 Traveler's age | Age influences the risk profile and insurance cost. In Fiji, seniors may face higher premiums due to health risks. | Compare offers by age bracket. Heymondo does not increase prices for people over 62, which can help older travelers save. |
| 📅 Trip duration | Longer trips mean a higher chance of incident or illness and usually increase the cost of insurance in Fiji. | Insure only for the actual travel dates. Avoid adding extra days to the policy to keep the premium lower. |
| 🏄♂️ Activities planned | Adventure sports and diving are popular in Fiji but not always included in basic policies or may require add-ons. | Select a policy based on your planned activities. Exclude add-ons like winter sports if you will only be on the beach. |
| 🏥 Level of coverage | Medical evacuation can be very expensive in Fiji, as facilities are limited outside major cities and evacuation may be necessary. | Pick a medical plan with $100,000–$250,000 coverage. Do not pay more for excessive limits unless you have special risks. |
| 🧳 Deductible amount | A higher deductible can reduce your premium, but you'll pay more out-of-pocket if you file a claim in Fiji. | Raise your deductible amount if you are comfortable with increased out-of-pocket expenses for minor claims. |
| 👨👩👧 Travelers insured | Insuring family or group members together often lowers the cost per person without reducing overall protection. | Request group or family quotes. This often lowers the price per person compared to buying separate individual policies. |
| 💳 Payment method | Some credit cards offer limited travel insurance as a benefit but usually lack evacuation or sufficient medical coverage. | Check your credit card's included coverage first. Buy only supplemental insurance for any gaps you discover. |
The coverage of your current insurance in Fiji
It is completely legitimate to wonder whether your existing coverage—such as credit card insurance or your public health insurance—can protect you during a trip to Fiji. Unfortunately, this coverage is often limited or insufficient in case of medical evacuation or emergencies abroad.
Here is a summary table to help you review your current insurance and what it covers.
| Type of insurance | Valid in Fiji? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage for health expenses, hospitalization, or repatriation outside the US. | Travel insurance covers up to $100,000+ including evacuation and support. |
| Private health insurance (Cigna, UnitedHealthcare) | Yes, partly | Possible reimbursement after return, coverage excludes emergency evacuation and direct payment to local providers. | Travel insurance includes up to $100,000 emergency and 24/7 assistance. |
| Classic credit card (Chase Freedom, Citi Double Cash, Bank of America Travel Rewards) | Yes, partly | Medical expenses up to $10,000, usually excludes evacuation, trip cancellation, or baggage loss. | Travel insurance covers $100,000+, trip interruption, and lost baggage. |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Capital One Venture X) | Yes, partly | Medical (up to $50,000–$100,000), limited baggage and delay, usually with low reimbursement limits and exclusions. | Travel insurance offers better evacuation, hospitalization, and full support. |
Example
While scuba diving in Fiji, Mike suffered from decompression sickness. The emergency air evacuation and hyperbaric chamber treatment cost $40,000. His Chase Sapphire card's insurance had a $10,000 limit, and his US health plan didn't cover foreign medical transport, leaving him with a crippling $30,000 bill for his dream vacation.
Expert advice
Always check the terms, exclusions, and limits of your existing insurance. Essential situations, like trip interruption due to a relative’s illness, might be excluded. Read the conditions carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to get dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to Fiji?
U.S. citizens do not need a visa to travel to Fiji for tourist stays of up to four months. You must have a passport valid for at least six months beyond your date of entry, along with proof of onward or return travel and sufficient funds for your stay.
How do I purchase travel insurance for Fiji?
Begin by using the HelloSafe travel insurance comparison tool to compare offers. Check coverage details and exclusions carefully, especially for Fiji's common risks and medical evacuation. Buy your chosen plan online, then receive your insurance certificate by email, which you should keep accessible throughout your trip.
Are natural disasters common in Fiji and does insurance cover them?
Fiji is prone to cyclones, earthquakes, and flooding, especially from November to April during monsoon season. Comprehensive travel insurance usually covers trip interruptions or cancellations caused by these events, along with emergency accommodation and repatriation if required. Review your policy for coverage limits related to natural disasters.
Do I need special insurance if I plan to scuba dive in Fiji?
Standard travel insurance may not include high-risk activities like scuba diving. If you are diving, choose a plan that extends to underwater sports and covers decompression treatment and emergency medical evacuation, as Fiji’s hyperbaric chamber is currently out of service.
What should I do if I get sick or injured in Fiji?
Medical facilities in Fiji’s main cities are adequate but may be below U.S. standards, especially in rural areas. If you require serious or specialized treatment, you may need evacuation to Australia or New Zealand, so ensure your insurance covers medical evacuation and overseas hospital stays, which can cost thousands of dollars.
How much should I expect to pay for travel insurance for Fiji?
The price of travel insurance for Fiji typically ranges from $40 to $120 for a standard two-week trip, depending on your age, level of coverage, and any extra activities you include. Be sure to compare options carefully before purchasing.
Do I need a visa to travel to Fiji?
U.S. citizens do not need a visa to travel to Fiji for tourist stays of up to four months. You must have a passport valid for at least six months beyond your date of entry, along with proof of onward or return travel and sufficient funds for your stay.
How do I purchase travel insurance for Fiji?
Begin by using the HelloSafe travel insurance comparison tool to compare offers. Check coverage details and exclusions carefully, especially for Fiji's common risks and medical evacuation. Buy your chosen plan online, then receive your insurance certificate by email, which you should keep accessible throughout your trip.
Are natural disasters common in Fiji and does insurance cover them?
Fiji is prone to cyclones, earthquakes, and flooding, especially from November to April during monsoon season. Comprehensive travel insurance usually covers trip interruptions or cancellations caused by these events, along with emergency accommodation and repatriation if required. Review your policy for coverage limits related to natural disasters.
Do I need special insurance if I plan to scuba dive in Fiji?
Standard travel insurance may not include high-risk activities like scuba diving. If you are diving, choose a plan that extends to underwater sports and covers decompression treatment and emergency medical evacuation, as Fiji’s hyperbaric chamber is currently out of service.
What should I do if I get sick or injured in Fiji?
Medical facilities in Fiji’s main cities are adequate but may be below U.S. standards, especially in rural areas. If you require serious or specialized treatment, you may need evacuation to Australia or New Zealand, so ensure your insurance covers medical evacuation and overseas hospital stays, which can cost thousands of dollars.
How much should I expect to pay for travel insurance for Fiji?
The price of travel insurance for Fiji typically ranges from $40 to $120 for a standard two-week trip, depending on your age, level of coverage, and any extra activities you include. Be sure to compare options carefully before purchasing.
