What’s Included in Travel Insurance for Fiji
Travel insurance is a necessity when travelling to any country or holiday destination, because it provides you with a reliable cover in case anything ‘unexpected’ happens. Here’s a breakdown of the expenses that are covered by your Fiji travel insurance:
- Medical Expenses-Overseas private medical healthcare expenses can be quite costly, especially if you didn’t factor them into your budget, but then again, who does? Plus, you don’t want to be stuck at a public Fijian hospital if something happens to you, because their facilities don’t really match the standards of facilities found in Australia and other more developed countries. The best thing to do is to get travel
- insurance that covers you for private dental and medical care, including emergency repatriation and medical evacuation. It’s also worth noting that the Australian government will not contribute anything towards your medical evacuation expenses, hence the need for comprehensive travel insurance.
- Cancellations or Delays - Your travel insurance will also cover you for any lost deposits or cancellation costs that you might incur as a result of unexpected trip delays or cancellations. Cancellations can be caused by a number of factors, such as natural disasters, accidents or a sudden illness.
- Scooter, Motor Bike or Quad Bike Riding - Driving a motor cycle, quad bike or scooter around the island is quite a common thing among locals and tourists alike. However, it’s not a standard feature in many insurance packages, and most only cover you if you have a valid motorcycle license. Also, there are a few precautions you should take for your insurer to cover you in case of accidents or emergencies.
- For one, you have to drive at a respectable speed and keep aware because there are a lot of stray animals running around that could cause accidents, and the street lighting in Fiji may not be as good as what you’re used to back home.
- Luggage or Personal Belongings - Your travel insurance will also cover you in case you lose personal belongings like your wallet, travel documents or your luggage. However, it is still essential that you look after your belongings and stay alert at all times, and be sure to immediately report any lost stolen items to the local police. Another great tip would be to carry a card instead of cash, and avoid wearing flashy jewelry to minimize your risk of being pickpocketed.
- Personal Liability - Another aspect of your travel insurance is the cover for any accidental mishaps that might lead to injuring others or their property while on the island. You’ll also do well to learn about, and respect the local laws while you’re there so as to avoid any costly mistakes. But if you do run into some trouble or misunderstanding with the law, then you’ll be covered for legal expenses and an interpreter if needed.
- Engaging in Extreme Sports - Fiji has all types of extreme sports, from scuba diving to kayaking, deep water diving and more, so it makes sense that a travel insurance for Fiji should feature extreme sport cover as an ‘extra’, but you will have to enquire from your insurer whether or not they provide this particular extra because only a few insurance providers have it.
What’s not Included
Standard travel insurance to Fiji is quite comprehensive and on par with the type to travel insurances that you’d find in other countries. However, you are required to take certain precautions in order to show that you didn’t deliberately place yourself in a position of danger through neglect. For example, Fiji is prone to frequent natural disasters like cyclones and tsunamis, and they regularly issue out travel warnings so that travellers can make an informed decision. If you choose to travel despite these warnings, then your travel insurance will not cover you for any accidents that you may experience as a result of natural disasters. Also, travel insurance does not cover medical injuries or personal liability that happens as a result of intoxication, so you’ll want to enjoy the libations in moderation. To get the best travel insurance for Fiji, make sure to compare different travel insurance packages from various providers, and consider getting a joint cover if you’re travelling as a couple or as a family.
Safety Speed Dial
- Australian High Commission 37 Princes Road
- Fiji Tourism Office Suite 107, Colonial Plaza
PO Box 9217, Nadi Airport
Tel: (679) 6722433