What are the best travel insurances for Nauru in 2025?

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A. Fruchard
A. Fruchard
updated on July 16, 2025
Table of Contents
  • The best travel insurance plans for Nauru
  • Is it currently safe to travel to Nauru?
  • Is travel insurance required by law to enter Nauru?
  • The importance of travel insurance for Nauru
  • Travel insurance coverage for Nauru
  • The cost of travel insurance for Nauru
  • How to pay less for your travel insurance to Nauru
  • Can I rely on my current insurance to cover me in Nauru?
  • FAQ
  • On the same topic
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Travel insurance for Nauru: key takeaways

1. Definition: Travel insurance for Nauru covers medical costs, emergency evacuation, and unexpected travel disruptions.
2. Key protection: Insurance is not mandatory but is crucial due to Nauru's very limited medical facilities.
3. Healthcare cost: Medical evacuation to Australia is often necessary and can exceed $50,000 without insurance.
4. Price: A one-week travel insurance plan for Nauru typically costs between $30 and $60.
5. Good to know: Ensure your policy includes comprehensive medical evacuation coverage, as it is strongly recommended by authorities.

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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 everything you need to know to choose the best travel insurance for Nauru.

The best travel insurance plans for Nauru

Contract we recommendMedical reimbursement limitOur view
HelloTravel Premium$1.1MOur recommendation for travel to Nauru.
- high medical limit
- covers evacuation to Australia
- broad guarantees
Cap Assistance 24/24$1.1MA reliable option for remote destinations like Nauru.
- 24/7 emergency support
- cancellation cover
- no deductible
Tourist Card$550kGood choice for tourists in Nauru.
- solid core medical cover
- emergency assistance included
- competitive pricing
Travel Pass Monde$770kIdeal for travelers seeking stability abroad.
- strong hospital and evacuation cover
- wide country coverage
Globe Partner$330kDependable solution for basic needs in Nauru.
- medical expenses met
- repatriation included
- civil liability covered
Globe Traveller$550kAffordable for short, low-risk trips to Nauru.
- essential medical limits
- fast reimbursement
- manageable ceiling
Recommended travel insurance contracts for Nauru.
HelloTravel Premium
Medical reimbursement limit
$1.1M
Our view
Our recommendation for travel to Nauru.
- high medical limit
- covers evacuation to Australia
- broad guarantees
Cap Assistance 24/24
Medical reimbursement limit
$1.1M
Our view
A reliable option for remote destinations like Nauru.
- 24/7 emergency support
- cancellation cover
- no deductible
Tourist Card
Medical reimbursement limit
$550k
Our view
Good choice for tourists in Nauru.
- solid core medical cover
- emergency assistance included
- competitive pricing
Travel Pass Monde
Medical reimbursement limit
$770k
Our view
Ideal for travelers seeking stability abroad.
- strong hospital and evacuation cover
- wide country coverage
Globe Partner
Medical reimbursement limit
$330k
Our view
Dependable solution for basic needs in Nauru.
- medical expenses met
- repatriation included
- civil liability covered
Globe Traveller
Medical reimbursement limit
$550k
Our view
Affordable for short, low-risk trips to Nauru.
- essential medical limits
- fast reimbursement
- manageable ceiling
Recommended travel insurance contracts for Nauru.
👉 Compare the best travel insurance for freeI compare

Is it currently safe to travel to Nauru?

As of June 2025, the US Department of State rates travel to Nauru as Level 1: exercise normal precautions and notes no generalized security risk.

  • Security risks: Nauru remains stable and crime levels are low, but travelers should monitor personal belongings closely, particularly at the airport and in hotel areas.
  • Health risks: medical facilities are limited and do not meet US standards. For serious illness or accident, evacuation to Australia is usually required. Waterborne diseases like typhoid and dengue fever occur, and tap water is not always safe.
  • Entry requirements: a visa must be obtained prior to arrival and requires supporting documents such as confirmation of hotel booking and proof of a return ticket. Entry may be refused without these.
  • Transport and access: Nauru’s flight connections are infrequent, with limited weekly flights. Delays can occur due to weather or operational factors, affecting onward or emergency travel arrangements.

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 Nauru.

Is travel insurance required by law to enter Nauru?

No, travel insurance is not mandatory for US citizens to enter Nauru.

Travel insurance is still strongly recommended by the US Department of State because healthcare is basic and serious illness or accident often requires expensive medical evacuation to Australia. Without insurance, these costs must be paid out of pocket.

According to our data, 80% of travelers purchase travel insurance before going to Nauru. This high percentage reflects the limited local healthcare and the high price of overseas evacuation.

The importance of travel insurance for Nauru

It is an essential financial and medical protection for anyone going to Nauru.
In Nauru, healthcare infrastructure is limited, with the only main facility being RON Hospital in Yaren. For complex cases or serious emergencies, patients are usually evacuated to Australia, which can incur very high costs.
Travel insurance covers medical expenses, hospitalization, medication, ambulance transport and repatriation to the United States if necessary.
Here are some examples of healthcare costs in Nauru.

Example of medical treatmentCost at RON HospitalCovered by travel insurance
I have to be hospitalized 48 hours after contracting an infection4,000 AUD (about $2,600 USD)up to 100%
I broke my tibia (X-ray, cast, and crutch rental)2,500 AUD (about $1,600 USD)up to 100%
I need to be repatriated45,000 AUD (about $29,000 USD)up to 100%
I have appendicitis (consultation and surgery)8,000 AUD (about $5,200 USD)up to 100%
I have to be hospitalized 48 hours after contracting an infection
Cost at RON Hospital
4,000 AUD (about $2,600 USD)
Covered by travel insurance
up to 100%
I broke my tibia (X-ray, cast, and crutch rental)
Cost at RON Hospital
2,500 AUD (about $1,600 USD)
Covered by travel insurance
up to 100%
I need to be repatriated
Cost at RON Hospital
45,000 AUD (about $29,000 USD)
Covered by travel insurance
up to 100%
I have appendicitis (consultation and surgery)
Cost at RON Hospital
8,000 AUD (about $5,200 USD)
Covered by travel insurance
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.

Travel insurance coverage for Nauru

Main coveragesExplanations and recommendations
🏥 Medical expensesCovers doctor visits, hospital care, and urgent treatment if you fall ill or have an accident.
We recommend a limit of at least $100,000 per trip to Nauru.
🚑 Medical evacuationPays for emergency evacuation to Australia or another country when care is unavailable locally.
A limit of $250,000 is advised due to high air-ambulance costs.
💊 Medication and pharmacyReimburses prescription medication in case of illness or accident.
Look for a policy that covers at least $2,000 for medicines.
✈️ Trip cancellationRefunds prepaid expenses if you need to cancel for serious reasons (illness, lost documents, severe weather).
Choose coverage up to $5,000 per trip.
🧳 Lost luggage and delayCompensates for lost, stolen, or delayed baggage during air or sea travel.
A recommended limit is $2,000 for baggage issues.
👨‍⚖️ Personal liabilityProtects you if you accidentally cause injury to others or damage property.
Go for at least $100,000 in personal liability coverage.
💵 Personal belongingsReimburses theft or damage to valuables like electronics or cameras.
We recommend a minimum of $1,500 for valuables.
🏠 Assistance services24/7 hotline for advice, translation, emergency support, and travel information.
This is essential for isolated destinations like Nauru.
Recommended travel insurance coverages and their explanations.
🏥 Medical expenses
Explanations and recommendations
Covers doctor visits, hospital care, and urgent treatment if you fall ill or have an accident.
We recommend a limit of at least $100,000 per trip to Nauru.
🚑 Medical evacuation
Explanations and recommendations
Pays for emergency evacuation to Australia or another country when care is unavailable locally.
A limit of $250,000 is advised due to high air-ambulance costs.
💊 Medication and pharmacy
Explanations and recommendations
Reimburses prescription medication in case of illness or accident.
Look for a policy that covers at least $2,000 for medicines.
✈️ Trip cancellation
Explanations and recommendations
Refunds prepaid expenses if you need to cancel for serious reasons (illness, lost documents, severe weather).
Choose coverage up to $5,000 per trip.
🧳 Lost luggage and delay
Explanations and recommendations
Compensates for lost, stolen, or delayed baggage during air or sea travel.
A recommended limit is $2,000 for baggage issues.
👨‍⚖️ Personal liability
Explanations and recommendations
Protects you if you accidentally cause injury to others or damage property.
Go for at least $100,000 in personal liability coverage.
💵 Personal belongings
Explanations and recommendations
Reimburses theft or damage to valuables like electronics or cameras.
We recommend a minimum of $1,500 for valuables.
🏠 Assistance services
Explanations and recommendations
24/7 hotline for advice, translation, emergency support, and travel information.
This is essential for isolated destinations like Nauru.
Recommended travel insurance coverages and their explanations.

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 Nauru

Trip durationTraveler’s ageIndicative price per person
1 week25 years old$38 USD
2 weeks45 years old$56 USD
1 month35 years old$82 USD
1 month70 years old$160 USD
1 week
Traveler’s age
25 years old
Indicative price per person
$38 USD
2 weeks
Traveler’s age
45 years old
Indicative price per person
$56 USD
1 month
Traveler’s age
35 years old
Indicative price per person
$82 USD
1 month
Traveler’s age
70 years old
Indicative price per person
$160 USD

These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.

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Good to know

The price of travel insurance for Nauru depends on several factors: your age, trip duration, desired coverage limits, and options like medical evacuation or trip cancellation. Given Nauru's limited medical facilities, comprehensive coverage is vital. Keeping these elements in mind ensures you choose the right policy for your needs, providing essential protection for your trip.

💡 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 compare

How to pay less for your travel insurance to Nauru

Here are some suggestions to optimize the cost of your travel insurance to Nauru while keeping good coverage:

CriteriaWhy it mattersExpert tip
🛄 Trip durationInsurance pricing is based on the length of your stay. Shorter trips generally cost less.Match policy dates to your exact trip to avoid paying for unnecessary days.
✈️ Level of coverageHigher coverage limits and more benefits increase the premium. Essential protections are still needed.Select a plan with only the coverage you truly need for Nauru’s specific risks.
👥 Number of travelersFamily and group plans may provide per-person savings compared to individual policies.Ask about multi-traveler discounts especially for families or groups traveling together.
🔍 DeductiblesHigher deductibles lower the premium, but increase what you pay if you make a claim.Choose a deductible you can manage in case you need to use your insurance abroad.
🏝️ Covered activitiesSome sports and activities common in Nauru may not be covered by default.Exclude extra-risk activities if you won’t do them to keep costs lower.
🧑‍🦳 Traveler’s ageInsurers may charge more for older travelers. Prices can rise after age 60.Compare offers by age bracket; Heymondo does not increase prices for those over 62.
🌍 Geographic regionWorldwide policies may need special inclusions for remote areas or Pacific islands like Nauru.Select a plan covering only the countries you’ll visit to reduce costs.
🛄 Trip duration
Why it matters
Insurance pricing is based on the length of your stay. Shorter trips generally cost less.
Expert tip
Match policy dates to your exact trip to avoid paying for unnecessary days.
✈️ Level of coverage
Why it matters
Higher coverage limits and more benefits increase the premium. Essential protections are still needed.
Expert tip
Select a plan with only the coverage you truly need for Nauru’s specific risks.
👥 Number of travelers
Why it matters
Family and group plans may provide per-person savings compared to individual policies.
Expert tip
Ask about multi-traveler discounts especially for families or groups traveling together.
🔍 Deductibles
Why it matters
Higher deductibles lower the premium, but increase what you pay if you make a claim.
Expert tip
Choose a deductible you can manage in case you need to use your insurance abroad.
🏝️ Covered activities
Why it matters
Some sports and activities common in Nauru may not be covered by default.
Expert tip
Exclude extra-risk activities if you won’t do them to keep costs lower.
🧑‍🦳 Traveler’s age
Why it matters
Insurers may charge more for older travelers. Prices can rise after age 60.
Expert tip
Compare offers by age bracket; Heymondo does not increase prices for those over 62.
🌍 Geographic region
Why it matters
Worldwide policies may need special inclusions for remote areas or Pacific islands like Nauru.
Expert tip
Select a plan covering only the countries you’ll visit to reduce costs.

Can I rely on my current insurance to cover me in Nauru?

It’s completely legitimate to wonder if your existing coverage—such as credit card insurance or private or public health insurance—can protect you for travel to Nauru. Unfortunately, these insurances are usually limited or not valid abroad.
Here is a summary table to help you review your current insurance and what it covers.

Type of insuranceValid in Nauru?What it coversWhy Travel Insurance is better
Public health insuranceNo, neverNo international coverage for health care or evacuation.Travel insurance can cover $100,000+ in medical and evacuation costs per person.
Private health insuranceYes, partlyMay reimburse a portion of care after your return, often excludes evacuation and prepay abroad.Travel insurance usually pays directly abroad and can cover up to $500,000 for evacuations.
Classic credit card (Visa Classic, Mastercard Standard)Yes, partlyEmergency medical below $2,500, limited or no coverage for repatriation or belongings.Travel insurance covers $100,000+ for emergencies, repatriation, and lost luggage.
Premium credit card (Chase Sapphire, Amex Gold, Citi Premier)Yes, partlyMedical emergencies up to $50,000, baggage and trip delay cover is limited or excluded.Travel insurance can insure $250,000+ and include cancelation, lost baggage, and 24/7 support.
Public health insurance
Valid in Nauru?
No, never
What it covers
No international coverage for health care or evacuation.
Why Travel Insurance is better
Travel insurance can cover $100,000+ in medical and evacuation costs per person.
Private health insurance
Valid in Nauru?
Yes, partly
What it covers
May reimburse a portion of care after your return, often excludes evacuation and prepay abroad.
Why Travel Insurance is better
Travel insurance usually pays directly abroad and can cover up to $500,000 for evacuations.
Classic credit card (Visa Classic, Mastercard Standard)
Valid in Nauru?
Yes, partly
What it covers
Emergency medical below $2,500, limited or no coverage for repatriation or belongings.
Why Travel Insurance is better
Travel insurance covers $100,000+ for emergencies, repatriation, and lost luggage.
Premium credit card (Chase Sapphire, Amex Gold, Citi Premier)
Valid in Nauru?
Yes, partly
What it covers
Medical emergencies up to $50,000, baggage and trip delay cover is limited or excluded.
Why Travel Insurance is better
Travel insurance can insure $250,000+ and include cancelation, lost baggage, and 24/7 support.
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Example

After a severe Dengue fever diagnosis in Nauru, John required an emergency medical flight to Australia, costing $50,000. His American Express card’s travel benefit was capped at $5,000, and his standard US health insurance didn't cover international evacuations. He faced an unexpected bill of $45,000 for essential life-saving care.

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Expert advice

Always check your existing insurance for terms, exclusions, and limits. Critical situations, like trip interruption for a relative's illness, may not be covered. Read the fine print carefully to avoid unpleasant surprises abroad. In all cases, it is safer and more reassuring to subscribe to a dedicated travel insurance tailored to your trip.

FAQ

Do I need a visa to travel to Nauru?

Yes, all US citizens need a visa to travel to Nauru. Tourist visas must be obtained before departure, as there is no visa on arrival option available. The application requires a completed form, a passport copy, proof of onward ticket and accommodation, and payment of the visa fee in Australian dollars.

How do I purchase travel insurance for Nauru?

Start by comparing travel insurance options using HelloSafe’s comparison tool. Check each policy’s guarantees and exclusions, especially regarding medical evacuation coverage due to Nauru’s limited healthcare. Purchase the plan online, and after payment you will receive your insurance certificate to present if needed.

Are medical facilities in Nauru adequate for visitors?

Medical facilities in Nauru are basic and below the standard found in the United States. In case of serious illness or injury, evacuation to Australia or another nearby country is likely necessary. This is why it’s essential to have travel insurance covering medical evacuation and emergencies.

What risks should travelers consider when visiting Nauru?

The main risks are limited medical facilities, infrequent flights, water safety, and some insect-borne diseases like dengue and chikungunya. Travel insurance should include emergency evacuation and coverage for travel disruptions—costs in an emergency can be substantial, potentially over $100,000 for medical evacuation to Australia.

Does travel insurance for Nauru cover trip disruptions or cancellations?

Most comprehensive travel insurance plans offer coverage for trip cancellations, delays, and missed connections. Verify that your plan specifically includes these features, especially given the limited and sometimes unreliable air connections to and from Nauru. Always review policy wording to understand what is and isn’t covered.

Do I need a visa to travel to Nauru?

Yes, all US citizens need a visa to travel to Nauru. Tourist visas must be obtained before departure, as there is no visa on arrival option available. The application requires a completed form, a passport copy, proof of onward ticket and accommodation, and payment of the visa fee in Australian dollars.

How do I purchase travel insurance for Nauru?

Start by comparing travel insurance options using HelloSafe’s comparison tool. Check each policy’s guarantees and exclusions, especially regarding medical evacuation coverage due to Nauru’s limited healthcare. Purchase the plan online, and after payment you will receive your insurance certificate to present if needed.

Are medical facilities in Nauru adequate for visitors?

Medical facilities in Nauru are basic and below the standard found in the United States. In case of serious illness or injury, evacuation to Australia or another nearby country is likely necessary. This is why it’s essential to have travel insurance covering medical evacuation and emergencies.

What risks should travelers consider when visiting Nauru?

The main risks are limited medical facilities, infrequent flights, water safety, and some insect-borne diseases like dengue and chikungunya. Travel insurance should include emergency evacuation and coverage for travel disruptions—costs in an emergency can be substantial, potentially over $100,000 for medical evacuation to Australia.

Does travel insurance for Nauru cover trip disruptions or cancellations?

Most comprehensive travel insurance plans offer coverage for trip cancellations, delays, and missed connections. Verify that your plan specifically includes these features, especially given the limited and sometimes unreliable air connections to and from Nauru. Always review policy wording to understand what is and isn’t covered.

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A. Fruchard
A. Fruchard
Insurance expert
HelloSafe
Co-founder of HelloSafe and an experienced entrepreneur in the insurance and personal finance sector, Antoine uses his experience and in-depth knowledge of the market to help Internet users make the right choices. With an MBA in economics, he is a committed expert whose mission is to make personal finance and insurance issues simple and understandable. With a rich career marked by the creation of innovative companies, Antoine's ambition has always been to bring transparency to complex issues and to give power back to consumers. With HelloSafe, he continues to translate this vision by providing accurate advice, impartial comparisons and detailed explanations of travel insurance. He has analysed hundreds of contracts to reveal the best options available on the market.

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