If you are looking to escape from the stress of work, the hustle and bustle of demanding city life, and suffocating pollution and traffic noise, then say "kia orana" ("hello" in Maori) to the Cook Islands.

Welcome to the stunning Cook Islands! The coral heaven of the Cook Islands is a true reflection of Polynesian island life. The islands are made up of a cluster of fifteen small islands and atolls. The nation is largely spread over different islands divided into two groups, the Northern Group and the Southern Group.

The islands of the Southern Group are home to the popular tourist destinations of Raratonga, Aitutaki, and Mangaia. Tourism in the Northern Group islands is rarer than in the Southern Group islands.

Cook Islands Travel Medical Insurance for International Travelers – FAQs

Water adventure sports, bike rentals, cave exploration, jungle trails, and fishing expeditions are every traveler's dream come true. But falling ill, having an unfortunate an accident, and hospitalization are all every traveler's worst nightmare.

Travel medical insurance in the Cook Islands assures you of negligible financial liability while enjoying island life to the fullest.

Do I need travel medical insurance for the Cook Islands?

Travelers to the Cook Islands are not required by local regulations to carry travel medical insurance. However, if you want to enjoy snorkelling in the coral reefs, go diving to explore old shipwrecks, try your hand at quad biking, or take a sunset cruise, travel medical insurance is a must-have to protect yourself against unexpected accidents or injuries.

Why buy travel medical insurance for the Cook Islands?

Cook Islands travel medical insurance is the perfect way to enjoy your vacation in these tropical islands without worrying about the stress of unexpected medical emergencies.

Travel medical insurance for the Cook Islands is specially designed for international travelers. It provides numerous benefits like:

  • Medical evacuation from the more remote islands in case of a medical emergency
  • Repatriation to your home country or nearby country if the need arises for extensive medical aid
  • Insurance coverage for hospitalization charges including room charges, surgeon fees, consultation fees, and medical evaluations
  • Access to urgent care clinics, physician visits, and medication
  • Evacuation in case of a natural disaster

Cook Islands Trip Cancellation Insurance for International Travelers – FAQs

Trip cancellations, flight delays, strikes, lost documents, and loss of baggage can throw off your vacation plans. Cook Islands travel insurance for tourists can't prevent unexpected events, but it definitely safeguards you from any financial burdens that may arise due to these unforeseen circumstances.

Why buy trip cancellation insurance for the Cook Islands?

The Cook Islands are a fun destination for honeymooners, families, and solo travelers. But the tropical weather on the islands often changes, leading to sudden flight delays or flight cancellations. Tourists often have to cancel their bookings at the last moment, resulting in hefty cancellation charges.

Also, traveling on the island's road often leads to accidents and injuries, which may cause personal liability to tourists. If you are looking to save yourself from these unwanted hassles, be sure to buy a good Cook Islands travel insurance plan.

What all is covered under trip cancellation insurance for the Cook Islands?

Trip cancellation insurance provides comprehensive insurance coverage for the Cook Islands. Wherever you go on the archipelago, the Cook Islands travel insurance for tourists shall provide insurance coverage for troublesome situations. Travel insurance provides coverage and assistance for:

  • Replacement of important documents
  • Replacement of lost cash or credit cards
  • Protection against loss of the deposit paid in case of trip cancellation, delays, or trip shortening
  • Additional insurance for rental vehicles
  • Emergency assistance
  • Emergency accommodation
  • Emergency evacuation if the need arises
  • Coverage against terrorism and natural disasters

Things to Do in the Cook Islands

The Cook Islands have plenty more to offer than just beach life and sparkling blue waters. There is an abundance of exciting culinary experiences, vibrant culture, exhilarating jungle experiences, and more!

Enjoy water adventures

The crystal-clear waters of the Cook Islands are the perfect backdrop for all your water sports pursuits. Tourists may indulge in sports like snorkelling, scuba diving, paddleboarding, kite surfing, speed boating, parasailing, shipwreck diving, night paddling, and more.

Go fishing

Raratonga and Aitutaki offer some of the world's best fishing experiences. Try your luck and see if you can catch some exotic fishes like mahi-mahi, billfish, giant trevally, bonefish, and yellowfin tuna.

Do a cross-island trek

If you like exploring the outdoors, you simply can't leave the Cook Islands without hiking through Rarotonga Island's cross-country walk. Enjoy walking through undeveloped nature trails that offer dramatic views of the coastline.

Go swimming in a waterfall

Wigmore's Waterfall on Raratonga Island promises clear, cool waters to jump into. Make sure you carry bug spray and consider the weather conditions before you start for Wigmore's Waterfall.


If you are looking for the best spelunking or cave exploration experience of your life, you must visit Te Rua Rere caves in the Cook Islands. Jumping down a cave hole to reach this dramatic burial cave is quite a lot of fun.

Travel Risks for International Travelers in the Cook Islands

No travel experience is entirely without risks. Some of the risks involved in travel to the Cook Islands are as follows.

Problematic weather & natural calamities

One of the greatest travel risks that international travelers to the Cook Islands face is unpredictable weather. Tourists may face flight delays, cancellations, flooding, and dangerous tides during the rainy season.

Health issues

Don't forget to pack your bug spray when traveling to these beautiful islands. This tropical heaven is prone to vector-borne diseases like dengue fever, malaria, chikungunya, and Zika virus. Foreign tourists are also at risk of illnesses like hepatitis A, hepatitis B, and typhoid. The U.S. Centers for Disease Control and Prevention (CDC) strongly recommends that travelers to the Cook Islands have themselves vaccinated against these diseases.

Food and water problems

Food hygiene on the islands is often not on par with international standards. Be sure your food is cooked thoroughly before eating, and try to avoid ordering from questionable venues. Stick to bottled water, as well.

Hazardous driving conditions

Renting a bike and exploring these lovely islands may not be as safe as it sounds. As a foreigner, you may not be able to navigate the treacherous island roads safely. Accidents are common in these remote islands.

Water Hazards

The primary source of excitement on the Cook Islands is its exhilarating adventure water sports. Foreign travelers should be careful while enjoying these activities. Make sure you check the agency credentials and weather conditions before you go on your joy ride.

Before You Travel to the Cook Islands - Do These

As the saying goes, health is wealth. The first step towards your vacation to the Cook Islands is to get yourself vaccinated against illnesses like hepatitis A, hepatitis B, and typhoid. Next, you should begin booking your travel itinerary, including flights and hotel accommodations. Third, and most importantly, purchase a good travel insurance plan to stay covered against the unexpected. Compare plans, select the one that best fits your needs, and purchase. Please contact us with any questions or issues you might encounter. Then, board your flight with total peace of mind!

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

Learn More

Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

Learn More

New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

Learn More

Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

Learn More

Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

Learn More

Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

Learn More

Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

Learn More

International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More