Travel insurance for the Cook Islands

The Cook Islands lies halfway between New Zealand and Hawaii, and is made up of fifteen idyllic islands steeped in Polynesian history and culture. Travellers are drawn to these remote gems for the tropical climate, endless aquatic adventures, and pure relaxation.

Family-friendly islands like Rarotonga are guaranteed to keep the kids happy, whether they’re snorkelling in the turquoise lagoons or exploring the Jurassic Park like jungles.

Couples may want to venture off the beaten path to more far-flung, romantic islands, such as Aitukaki (often called ‘Heaven on Earth’), popular with honeymooners.

Whatever your sense of adventure, The Cook Islands has something for every traveller. Read our guide to visiting the Cook Islands to start planning your escape to paradise.


Why do I need travel insurance for the Cook Islands?

The Cook Islands is known to be a safe destination, but there are still incidents of petty crime against tourists, a risk of natural disasters, and health hazards that could put a downer on your trip. 

Medical facilities are limited on the Cook Islands, especially on the outer islands. If you're seriously ill or injured you may need a medical evacuation home, which can cost as much as $130,000*.

Our travel insurance policy is designed to protect you from these types of unexpected events, so you can focus on enjoying your holiday, knowing we’ll be here should anything go wrong.


What does my insurance cover in the Cook Islands?

Our comprehensive international insurance includes cover for:

  • Medical and evacuation costs
  • Cancellation fees and lost deposits
  • Travel delays 
  • Lost, stolen or damaged luggage and personal items
  • Rental car excess if you have an accident
  • Emergency dental treatment
  • Funeral costs

When you protect yourself with our international policy, you also gain access to our worldwide emergency assistance team, who are available for round-the-clock assistance and advice, 24 hours a day, 7 days a week.


Staying safe in the Cook Islands

No one likes to think about what could go wrong when planning their dream holiday, but reading up about local risks is a good way to ensure your trip goes smoothly. Before you visit the Cook Islands, familiarise yourself with the following safety information:

  • Although the crime rate is low on the Cook Islands, thieves sometimes target tourists, especially at the beach, so never leave your personal belongings out of sight.
  • Cyclone season runs from November to April, but Mother Nature is unpredictable and storms can happen at any time. Ask your accommodation provider for their evacuation plan and your nearest shelter when you arrive.
  • Earthquakes and tsunamis can also occur in the Cook Islands. If this does happen on your trip it’s best to follow the advice of your accommodation provider and local officials, and move to higher ground if you're near the beach.
  • Take plenty of insect repellent and book accommodation that has a mosquito net over the bed as there are some insect-borne diseases, such as dengue fever.
  • If you’re pregnant, discuss your travel plans with your doctor as the Cook Islands has reported cases of Zika virus. 
  • Stick to bottle or boiled water and avoid any raw or undercooked food.

Local laws

There are a few local laws to be aware of on the Cook Islands:

  • If you're driving, monitor your alcohol intake.
  • Same-sex sexual activity between men is illegal.
  • The Cook Islands' standards of dress and behaviour are modest, especially outside the resort areas, so cover up to avoid causing offence.

Common claims for the Cook Islands

Some of the more common claims we see from customers who have visited the Cook Islands include:

  • Scooter or moped related claims, such as injuries or damage to the scooter or moped 
  • Dog bites
  • Ear infections 
  • Skin infections from stepping on coral reefs in the lagoon
  • Items getting lost or damaged by the pool or beach, such as small electronic items (e.g. phones, tablets, smart watches), sunglasses and reading glasses. 
  • Lost GoPro’s when snorkelling
  • Changes to travel plans due to weather events

*Customer required an air ambulance from Aitutaki to Rarotonga, then to New Zealand. Costs also included accommodation and medical expenses. 

What you need to know

This page may include some information about our products but, as with all insurance policies, terms and conditions may apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the TravelCare Policy Document and COVID-19 endorsement.