Bula Bula!! The beautiful sunny islands of Fiji are matched only by the locals’ friendly hospitality and charm. With over 300 stunning islands to visit, Fiji is the perfect place to scoop up your own little slice of paradise. If you’re after pristine white beaches, luscious coral reefs and heart pounding jungle exploring, Fiji is the travel destination for you. Check out these travel tips before you jet off to make sure you know what to expect on your holiday.

Cancellations and delays

Cover for cancellation fees and lost deposits on prepaid travel, accommodation, meals, tours and activities, and visas if your trip is cancelled due to an insured event; and travel delay expenses.

Overseas medical and hospital expenses

Unlimited amount for emergency medical, dental, surgical and hospital treatment and ambulance costs if you suffer an illness or injury on your international trip (excluding pregnancy and childbirth). 

Pre-existing medical conditions

Cover for 27 pre-existing medical conditions.

Travel documents, credit cards and traveller's cheques

Cover for replacing your passport, visas, travel money cards, traveller's cheques and credit cards if they're lost, stolen or damaged.

Rental vehicle insurance excess

Cover for any hire-car excess you become liable to pay as a result of the car being damaged or stolen.

Luggage and personal effects

Cover for the cost of repairing, replacing or reimbursing you for your belongings if they're lost, stolen or damaged.

Personal liability cover

Legal liability cover in case you accidentally injure someone else or damage or lose someone else's property during your trip.

Cruise cover

All four of our international travel insurance policies cover cruises, including those within Australian waters (our Domestic policy does not cover cruises).

Compare all travel insurance benefits, features and claim limits

Terms, conditions, limits and exclusions apply.

For full details, please read the Product Disclosure Statement.

Health and safety concerns for Fiji

Worried about your holiday? Don’t be! By following these tips you’ll be ensuring you’re one step ahead on any health and safety risks that could arise on your trip.

Food poisoning

Drink bottled water and dine in established restaurants to avoid dangerous strains of bacteria in the local food and drinking water.

Dengue Fever

Use insect repellent and mosquito nets to avoid nasty bites that can lead to Dengue Fever and the Zika virus.

Know the rules, international travellers must obey all local laws in Fiji.

Health system

Carry proof of purchase of your travel insurance on you to ensure quick and inexpensive health care.

Fiji Medical Treatment

Medical facilities standards in Fiji are considered to be lower than those in Australia. Due to a shortage of healthcare workers and resources, many regional medical centres only provide basic health care. For serious medical conditions and accidents, evacuation back to Australia is usually necessary. The Australian Government will not pay for your medical expenses overseas or contribute to evacuation costs back to Australia for treatment. Providing proof of adequate travel insurance can be necessary in order to secure medical treatment in Fiji, without which, you can be asked to pay for the medical fees up-front.

What to do before you leave for Fiji

There are some important measures you should take before you leave for your island vacation, follow these steps to ensure your holiday goes swimmingly!

Get Vaccinated


Make sure you’ve had your Hepatitis A and Typhoid shots 4-8 weeks before you leave.

What vaccinations do I need for Fiji?

Locate the Australian Embassy

Locate the Australian Embassy

Know where to get help if you find yourself in a sticky spot. The Australian High Commission is located in Suva.

Ensure you are covered

Ensure you are covered

Cover all your bases with travel insurance that has your back in emergencies.

Overseas medical and emergency assistance

With Budget Direct travel insurance, you get access to a worldwide, 24/7 network of medical and emergency assistance providers.

These include multilingual medical and travel specialists, including about 500 doctors in 34 countries.

Read more about overseas medical and emergency assistance

Find out more

The information on this page is a summary only. For more details about travel insurance, including the terms, conditions, limits and exclusions that apply, please read the Product Disclosure Statement.

Frequently asked questions

Does travel insurance cover scooters and motorbikes?

Budget Direct policyholders can be covered for claims arising from two- and three-wheeled motor vehicles, as long as:

As the driver or passenger:

  • you are wearing a helmet (regardless of the law of the country you’re in)

As the driver:

  • you hold a licence appropriate for the country you’re in
  • if using a motorcycle rated 125cc or higher, you hold a licence for driving the equivalent-rated motorcycle in Australia.
Which sports and activities does travel insurance cover?

Budget Direct travel insurance includes cover for more than 90 sports and activities and optional cover for more than 12 snow sports.

If I get into trouble overseas, will I be able to get help?

Yes – all Budget Direct’s international travel insurance policyholders get 24/7 access to a worldwide network of 75,000+ medical and emergency assistance providers.

These include multilingual medical and travel specialists, air ambulances and hospitals.

Whether you get sick or injured, lose your travel documents or credit cards, or are robbed, assaulted or arrested, we can get you the help you need.

Note that, if you suffer an illness or injury that requires emergency transportation, hospitalisation or repatriation and/or is likely to cost more than A$500 to treat, you (or someone else on your behalf) must call us as soon as possible.

Read more about our overseas medical and emergency assistance service

Does travel insurance cover illness or injury abroad?

Yes – Budget Direct travel insurance can cover claims resulting from a sudden and serious illness or injury suffered by you, a person you’re booked to travel with, or a close relative or business associate (who is a resident of Australia and in Australia at the time the event occurs).

For example, you can lodge a claim for one or more of the following:

Note that we will not cover any claims related to any pre-existing conditions (excluding the 27 we do cover and which you have told us about).

These include medical conditions for which, during the 90 days before your policy’s start date, you or another person:

  • needed surgery, inpatient treatment or hospital consultations
  • needed any treatment or prescribed medication
  • were on a waiting list for, or needed surgery, inpatient treatment or tests at, any hospital or clinic
  • were diagnosed with a terminal condition (that will cause death)

We can still cover you for claims not related to any of these conditions.

Does travel insurance cover delayed flights?

All Budget Direct travel insurance policies except Last Minute can cover your reasonable extra meals and accommodation expenses if your outward or return flight is delayed due to poor weather, natural disaster, strike, industrial action or mechanical breakdown.

We can pay you $100 for every 12 hours you’re held up, up to $2,000 (Comprehensive, Annual Multi-Trip); or $50 for every 12 hours you’re held up, up to $1,000 (Essential, Domestic).

If you have Comprehensive or Annual Multi-Trip cover, we can pay for extra kennel or cattery fees if your inward journey is delayed due to one of the reasons mentioned above.

We can also pay for alternative transport to get you to a planned event (e.g. a wedding, funeral, conference, sports fixture) you would otherwise miss due to your scheduled transport being delayed (or cancelled, shortened or diverted) (except Last Minute) due to an insured event.

Make sure you get a written statement from the relevant transport company or authority confirming the reason for the delay and how long it lasted.

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