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Fiji Travel Guide

Travelling to Fiji from Australia? Read Fast Cover's Fiji Travel Guide to learn the travel requirements for Fiji to help prepare and plan your trip.

Fiji Travel Guide

A journey to Fiji could be a truly memorable experience. Whether you're planning to explore the pristine beaches of the Mamanuca Islands, snorkel through vibrant coral reefs along the Coral Coast, or immerse yourself in traditional Fijian culture in remote villages, preparing properly is key to ensuring a delightful and hassle-free visit. For those travelling to Fiji from Australia, Fast Cover's Fiji travel guide provides travel advice and requirements, safety tips, and practical information to help you plan your trip and navigate this tropical paradise. 

Any advice is general advice only and doesn't consider your personal circumstances.

Fiji Travel Advice Level Explained

For Australian visitors, Fiji is generally considered a safe destination. Nevertheless, it is always wise to stay up to date with official travel advice or alerts as you prepare your trip. 

Travel Advisories

Before leaving for your trip, make sure to check the latest travel advice for Fiji on the Australian Government's Smartraveller website for up-to-date travel advisories and entry requirements for Fiji.  

Travel Alerts

Fast Cover also monitors travel conditions and issues timely travel alerts to keep our customers informed and updated on situations that may impact their travel to Fiji. 

Learn more about how to choose a safe travel destination for your next holiday.

How to Prepare for a Trip to Fiji

Being prepared before you travel to Fiji can help you manage unexpected events more easily. These actionable tips can help you prepare for your holiday. 

Check Travel Requirements

Ensure your passport is valid for at least 6 months beyond your planned departure from Fiji and check if you need a visa for Fiji. Entry and visa requirements for Fiji may change depending on the nature and duration of your trip.

Research Fiji Destinations

From the smaller islands of the Yasawas Islands to the main island of Viti Levu, Fiji offers diverse landscapes including white sands beaches, lush tropical rainforests, and vibrant coral reefs perfect for diving and snorkelling. 

Plan Your Activities

From swimming with manta rays to cruising in Fiji’s crystal waters, visiting Fiji offers unique experiences for everyone. Check if your planned activities are covered under your travel insurance policy, especially water sports and adventure activities.

Pack Smart

Fiji's weather varies by season with the wet season from November to April bringing increased rainfall and cyclones, while the dry season from May to October offers more stable weather conditions. Pack accordingly for the season you'll be tra

Organise Travel Insurance

Travel insurance for Fiji can provide cover for unexpected events like overseas medical emergencies, trip cancellation, or lost luggage. Fast Cover offers a wide range of policies for Australian travellers that can be customised depending on the travellers' individual needs, so you can make the most of your trip to Fiji.

Travel Documents

Organise your travel documents before you depart for your trip. Keep copies of your itinerary, flight tickets, passport, accommodation details, tour bookings, and any pre-arranged transport tickets. Don't forget your travel insurance policy and emergency assistance contact information.

Safety Advice for Travelling in Fiji

Travelling through Fiji can be an exciting adventure, particularly for younger Aussie travellers exploring the South Pacific. From bustling markets in Suva to serene island resort experiences in Port Denarau, staying alert and considering safety precautions can make all the difference on your trip to Fiji. Use our Fiji travel guide to stay informed of general risks and safety tips. 

Crime and Travel Scams in Fiji

While tourists are generally safe in Fiji, you may fall victim to petty crime and travel scams targeting tourists, particularly in urban hubs like Suva and Nadi where instances of robbery and assault have been reported, especially at night. Familiarising yourself with local tourist scams and staying cautious ensures a safer and smoother experience when travelling to Fiji from Australia. 

Pickpocketing
Pickpocketing

Petty theft can occur in crowded tourist areas, markets, and on public transportation. Keep valuables secure and avoid displaying expensive items like cameras or jewellery. 

Drink Spiking and Methanol Poisoning
Drink Spiking and Methanol Poisoning

Drink spiking can happen anywhere so stay alert and don't leave your drinks unattended. Order drinks from reputable venues and avoid home-made alcoholic drinks from unknown sources. Seek urgent medical help if you suspect you’ve been a victim or drink spiking or methanol poisoning.

Money and ATM Scams
Money and ATM Scams

Credit card fraud and ATM skimming are noted risks in Fiji, with authorities encouraging visitors to protect their PINs and regularly check their bank statements for suspicious activity. Use ATMs inside banks or hotels when possible. 

Civil Unrest and Terrorism in Fiji

Demonstrations and protests can occur without warning in Fiji, and while generally peaceful, they carry the potential to escalate. Stay informed about local political situations through reliable news sources and avoid areas where crowds are gathering. Follow instructions from local authorities and stay alert in urban areas. 

Safety for Sports and Adventure Activities

From snorkelling in pristine coral reefs to hiking through tropical rainforests on Vanua Levu, Fiji offers exciting activities for travellers. The crystal-clear waters around the Garden Island and Mamanuca Islands provide excellent opportunities for water sports, while the mountainous regions of Viti Levu offer challenging trekking experiences. Ensure you have the relevant skills and safety equipment for the activities you will be participating in and follow your instructor's safety briefing, especially for water-based activities around Fiji's coral reefs. Consider taking out travel insurance to provide cover for your chosen activities in Fiji.  

man surfing
Sports and Leisure Activities

Fast Cover’s list of Covered Sports and Leisure Activities provide cover for a wide range of activities.

people kayaking
Adventure Activities

Fast Cover's optional Adventure Pack provides cover for many more adventure activities for an added premium.

Always check the eligibility criteria, policy terms, conditions, exclusions and limits that apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Climate and Natural Disasters in Fiji

Fiji's tropical climate and geography create unique weather conditions, with cyclones occurring mainly during the wet season from November to April, bringing strong winds, heavy rainfall, and rough seas. Researching your destinations and understanding the potential natural disasters will help you prepare for your trip to Fiji. Remember, Fast Cover's travel alerts can also provide updates during severe weather events. 

Earthquakes

Fiji is located on the Pacific Ring of Fire and may experience earthquakes which could potentially trigger a tsunami. While most earthquakes are minor, larger ones can cause damage to infrastructure and trigger landslides in mountainous areas. 

Flooding

Localised flash flooding during the wet season from November to April is quite common in Fiji, with urban centres situated near the mouth of the four main rivers on the main island (Nadi, Ba, Sigatoka and Nausori) affected the most. Heavy rainfall can cause rapid flooding in low-lying areas and affect road access. 

Cyclones

Tropical cyclones that develop in the South Pacific have a risk of affecting Fiji, with the greatest risk occurring in December, January and February. These powerful storms can disrupt travel plans, particularly for cruises, cause flight cancellations, and impact accommodation. Monitor weather forecasts and have flexible travel plans during cyclone season.

Tsunamis

Being located in the Pacific Ring of Fire, Fiji faces potential tsunami risk from both local and distant earthquakes. Coastal areas are most vulnerable, and early warning systems are in place to alert residents and tourists of potential threats. Follow safety instructions from local authorities in case of emergencies. 

When is the Best Time to Visit Fiji?

The best time to visit Fiji depends on what you like to do and the weather you prefer. Each season offers different ways to explore Fiji. For example, the wet season boasts green rainforests great for walks, while the dry season is perfect for diving with clear views underwater. 

Season 

Wet Season 

Dry Season 

Months 

November to April 

May to October 

Weather Conditions 

Long, warm days with short afternoon downpours, higher humidity, and daily temperatures reaching 31°C 

Shorter but sunnier days with cooler evenings and average temperatures of 23-24°C 

 

cultural celebration in fiji
Popular Activities in Fiji During the Wet Season
  • Rainforest Hiking: The wet season brings lush, vibrant landscapes perfect for exploring Fiji's tropical rainforests with waterfalls at their most spectacular. 
  • Cultural Festivals: Experience traditional Indo-Fijian dishes during Holi in March when Hindus celebrate the festival of colours with brightly coloured powders. 
  • Wildlife Watching: October and November brings the Rising of the Balolo when edible sea worms known as "the caviar of the Pacific" emerge from coral reefs, offering a unique cultural and culinary experience.
Popular Activities in Fiji During the Dry Season
  • Diving and Snorkelling: Between May and October, divers will find the coral reef waters at their most visible with optimal underwater conditions around the pristine reefs. 
  • Island Hopping: Calmer seas and more predictable weather make this the ideal time for day trip excursions between islands and exploring remote smaller islands. 
  • Beach Activities: Lower humidity and minimal rainfall create perfect conditions for lounging on white sands beaches and enjoying water sports.
sunset on beach in fiji

Public Holidays in Fiji

Knowing the public holidays in Fiji helps you avoid peak travel times, crowded tourist attractions, and higher travel costs, but also lets you plan to be part of festive seasonal events. It also ensures you're aware of potential closures and cultural events to help plan your itinerary. 

Date 

Official Public Holidays in Fiji 

January 1 

New Year's Day 

May 1 

Ratu Sukuna Day 

July 

Constitution Day 

August 1 

National Youth Day 

October 10 

Fiji Day 

October/November (varies) 

Diwali 

December 25 

Christmas Day 

December 26 

Boxing Day 

 

Some public holidays like Diwali have moving dates so make sure to check Fiji government websites for official dates. 

Expand All

Ready to Embark on your Fiji Adventure?  

Explore the benefits and cover options available with Fast Cover’s travel insurance for your trip to Fiji.

Health Advice for Travelling to Fiji

Here's what you need to know about health risks, healthcare, and medication when travelling in Fiji. 

Health Risks when Travelling in Fiji

Health risks in Fiji are similar to Australia, however, Fiji's tropical climate poses some unique health risks. There are some common health risks to be aware of before you travel to Fiji: 

Food and Waterborne Illnesses
Food and Waterborne Illnesses

Stick to bottled water and avoid ice cubes to minimise the risk of water-borne illnesses. Choose well-cooked food from reputable establishments and avoid raw or undercooked seafood.

Infectious Diseases
Infectious Diseases

Follow standard hygiene practices including regular hand washing and use of hand sanitiser, especially before eating and after using public facilities.

Insect-Borne Illnesses
Insect-Borne Illnesses

Outbreaks of mosquito-borne illnesses, such as dengue fever and Zika virus, have been known to occur in Fiji. Apply insect repellent at all times and cover up with long clothing, especially in rural areas and during dawn and dusk. 

Seafood Allergies and Toxins
Seafood Allergies and Toxins

Be cautious with reef fish which may contain ciguatoxin, especially larger predatory fish. Inform restaurants of any allergies when dining. 

Kava
Kava

Kava, a traditional beverage, can be dangerous and Smartraveller recommends Australians avoid it, especially if taking medications including antidepressants. The mixture with alcohol and prescription medication can be harmful.

Travellers’ Diarrhea
Travellers’ Diarrhea

Travellers’ Diarrhea is common among tourists due to different food and water sources. Stay hydrated and seek medical attention if symptoms persist or worsen. 

Healthcare in Fiji

Medical facilities in Fiji are not as well established as in Australia, with regional hospitals generally providing a basic level of services. Private medical facilities in urban areas like Suva and Nadi offer better services but can be expensive. Emergency medical evacuation to Australia or New Zealand may be necessary for serious conditions. Emergency medical and hospital expenses can become costly for travellers.  

people waiting in a hospital
Fast Cover's Medical Benefits

Fast Cover’s international travel insurance policies include:

  • overseas 24/7 emergency medical assistance,
  • overseas emergency medical and hospital expenses,
  • overseas emergency dental, and
  • overseas emergency medical evacuation and repatriation

to help cover you if you become unexpectedly injured or sick while in Fiji.

plastic model of heart anatomy
Travel Insurance for Existing Medical Conditions

If you have an existing medical condition, Fast Cover may be able to provide some cover. You’ll need to complete a medical screening process online or call our Aussie based sales team.

To find out more about our medical screening process, and how the policy will apply in relation to an existing medical condition, please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Medication in Fiji

Before you visit Fiji make sure your medication is legal by checking with authorities before travelling. When travelling to Fiji from Australia with medication, be aware that some medications may require special permits or customs clearance to bring them into Fiji. Follow these steps to prepare for travelling to Fiji with medication and avoid potential issues at customs: 

Check Fiji's Medication Regulations

Contact the Fiji High Commission, customs or health authorities to verify if your medications require special permits or declarations.

Obtain a Permit for Restricted Medications

Some controlled substances may require permits from Fiji's Ministry of Health and Medical Services. 

Carry Documentation

Bring original prescriptions, doctor's letters explaining medical necessity, and keep medications in original packaging with pharmacy labels.

Travel Limits

Only carry reasonable quantities for your trip duration according to your prescription.

Fiji Laws and Customs for Travellers

Understanding laws and customs in Fiji will help you avoid misunderstandings with locals and local authorities. Keep in mind that travel insurers generally don't cover you when your claim arises for breaking the law, so it's best to familiarise yourself with Fiji’s laws before your trip. 

Obeying Local Laws When Travelling Through Fiji

Respecting local laws is important for a trouble-free trip to Fiji. Below are a few common tips to follow to avoid legal trouble. 

Registration and Identification
Registration and Identification

Always carry your passport as identification. Hotels and resorts may keep your passport during check-in for registration purposes

Use and Possession of Drugs and Alcohol
Use and Possession of Drugs and Alcohol

Possession of any quantity of an illegal drug could result in a prison sentence. Avoid excessive alcohol consumption in public areas and never use illegal substances.

Traffic Offences
Traffic Offences

Traffic moves on the left in Fiji. While most roads in urban areas are paved, roads outside the city are usually not paved. Follow local traffic laws and avoid driving after dark outside urban areas.

Social Customs in Fiji

It’s a good idea to observe respect and proper etiquette in Fiji, so have these social tips in mind to help navigate social situations in Fiji.

Food and Restaurant Etiquette
Food and Restaurant Etiquette

Tipping is not customary in Fiji, though small tips for exceptional service are appreciated. When invited to someone's home, bringing a small gift like kava (yaqona) is traditional and respectful.

Common Greetings and Gestures
Common Greetings and Gestures

"Bula" is the traditional Fijian greeting meaning "life" or "hello." Avoid pointing with your finger; use an open hand instead. Public displays of affection should be kept minimal, especially in villages.

Religious Sites
Religious Sites

Dress modestly when visiting temples, churches, or traditional village areas. Remove shoes when entering homes or religious buildings and ask permission before taking photographs.

Kava Ceremony
Kava Ceremony

If you plan to participate in traditional kava ceremonies, consult your doctor to discuss if this beverage will affect any medications you are taking. Follow local customs around the ceremony. This is an important cultural experience that shows respect for Fijian culture.

Visa and Entry Requirements for Travelling to Fiji

Australian citizens generally don't need a tourist visa for Fiji for stays less than 4 months and you can apply for a visa on arrival. However, you must have a return ticket and proof of accommodation and you must declare cash in any currency worth 10,000 Fijian dollars or more when entering Fiji. If you plan to stay longer than 4 months or travel for business purposes, you'll need to apply for the appropriate visa through the Fiji Immigration Department.

As entry and visa requirements for Fiji may change over time, it is your responsibility to verify entry and visa requirements with the Fiji High Commission in Australia or other government authorities.

Passport Requirements in Fiji

Your passport must be valid for at least 6 months beyond the date you arrive in Fiji. Ensure your passport has at least one blank page for entry stamps. Make sure to renew your passport in advance to avoid travel disruptions. Learn how to keep your passport safe while travelling in Fiji. 

It is important to note that your travel insurance policy may not provide cover if you do not comply with Fiji's visa or other entry requirements. To help ensure you are prepared for your trip, you should research and understand the relevant entry conditions before you travel. 

Advice for Tourists Travelling in Fiji

Travelling to Fiji offers incredible experiences including pristine coral reefs, vibrant markets, and warm hospitality from local communities across the Mamanuca Islands, Yasawas Islands, and main islands. It's important to be well-informed about practical details like currency, staying connected and transport to make the most of your trip to Fiji. For more information, visit the official Fiji tourism website. 

Currency in Fiji
Currency in Fiji

The official currency in Fiji is the Fijian Dollar (FJD). Check current rates using reliable currency conversion services before your trip. 

Common Payment Methods in Fiji
Common Payment Methods in Fiji

Most tourist hotels and many restaurants accept credit cards. The Australian and New Zealand Bank (ANZ) and Westpac ATMs accept cards with the Visa, Mastercard, Maestro and Cirrus symbols. However, smaller towns and remote areas rely heavily on cash, so ensure you have sufficient FJD notes for village visits and local markets.  

Internet and Wi-Fi in Fiji
Internet and Wi-Fi in Fiji

Most hotels, resorts, and restaurants in tourist areas offer free Wi-Fi, though speeds may be slower than what you're accustomed to in Australia. Internet cafes are available in urban centres like Suva and Nadi. Mobile data coverage is generally good on main islands Viti Levu and Vanua Levu but may be limited on remote smaller islands. No special VPN requirements exist for basic internet access. 

Mobile Phones and eSIMs in Fiji
Mobile Phones and eSIMs in Fiji

You can purchase local SIM cards at the airport, mobile shops, or convenience stores in urban areas. Ensure your phone is unlocked before travelling to use local networks. International roaming from Australian carriers is available but can be expensive. Major mobile networks include Vodafone Fiji and Digicel, both offering prepaid SIM cards and eSIM options for tourists.

Travel Adaptors and Electronics
Travel Adaptors and Electronics

Fiji uses Type I electrical outlets with 240V, so make sure to pack the appropriate travel adaptors. Bring portable chargers for devices, waterproof phone cases for water activities, and consider bringing a universal adapter if you have devices from other countries. 

What Should You Pack for a Trip to Fiji?

Planning what to pack for Fiji ahead of time will ensure you're well-prepared and have taken measures for a stress-free holiday when it comes time to go. Here's our guide on what to pack for your holiday to Fiji. 

Seasonal and Regional Packing

Each season has distinct weather patterns so pack according to the season you will be travelling in the activities you plan to do. Keep in mind the general tropical climate calls for sun protection year-round, including high SPF sunscreen, a wide-brimmed hat, and sunglasses.Consider TSA-approved luggage locks with unique pins and adding a tracking device to help you follow your bag's whereabouts. Such precautions can lessen the possibility of loss or theft. 

Dry Season
  • Lightweight and breathable clothing 
  • Lightweight layers for transitional weather 
  • Shoes with good grip for exploring 
  • Swimwear and cover ups 
  • Beach accessories 
Wet Season
  • Lightweight and breathable clothing 
  • Jacket or sweater for cooler evenings 
  • Waterproof jacket or compact umbrella 
  • Sturdy waterproof shoes for sudden showers 
  • Mosquito repellent 
luggage and personal items
Luggage and Personal Effects Insurance

Fast Cover's luggage and personal effects benefit may provide cover for theft, loss, or damage to your luggage and personal items. If you're travelling to Fiji with high-value items, you can declare many of them as specified high-value items to help cover them for more than what they are currently covered for under the standard policy terms and conditions. 

Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Transport in Fiji: Getting Around Fiji

Getting around Fiji involves various transportation options depending on whether you're travelling between islands or exploring within individual islands. The main transportation hub is Nadi International Airport on Viti Levu, with domestic connections to other islands. 

Riding a Motorcycle, Moped or Scooter in Fiji
Riding a Motorcycle, Moped or Scooter in Fiji

Motorcycles and scooters are popular for exploring  Fiji's islands, especially among backpackers and adventure travellers. Be aware that road conditions can be challenging, and traffic rules may be enforced differently than in Australia. Always wear helmets and appropriate protective gear. 

Rental Vehicles in Fiji
Rental Vehicles in Fiji

Car rentals are available on main islands for self-guided exploration. An International Driving Permit (IDP) is required alongside your valid Australian driver's licence. Roads in Fiji can be challenging with potholes and unpaved sections outside urban areas.  

Buses
Buses

Local buses operate on main islands and are an economical way to travel, though services may be infrequent in remote areas. Buses connect major towns on Viti Levu and Vanua Levu but don't operate on strict schedules. Have exact change ready as change may not always be available. 

Taxis and Ride-Sharing Apps
Taxis and Ride-Sharing Apps

Metered taxis are plentiful on the main islands, especially around airports, hotels, and tourist areas. Agree on fares for longer journeys before starting. Ride-sharing apps like Uber operate in limited areas around Suva and Nadi. Always use registered taxi services for safety. 

Sea Travel
Sea Travel

Inter-island travel is commonly done by ferry services, with regular connections between main islands and popular tourist destinations. Fast catamarans and traditional ferries connect the Mamanuca Islands and Yasawas Islands to the mainland. Book ferry tickets in advance during peak season. 

Driving Permits and License Requirements

To drive in Fiji, travellers need an International Driving Permit (IDP) alongside their valid Australian driver's licence. IDPs can be obtained in Australia before departure. Ensure you carry your IDP, Australian driver's licence, and rental vehicle insurance documentation at all times when driving. 

man with helmet riding yellow scooter
Coverage for Riders and Passengers with Fast Cover's Motorcycle Pack

Fast Cover’s Motorcycle Pack is an optional extra available under our International policies that may provide cover to you for being the rider or passenger on a: 

  • Motorcycle,  
  • Moped, or 
  • Scooter. 
van near the beach
Fast Cover’s Rental Vehicle Excess Benefit

Fast Cover’s Rental Vehicle Excess benefit may provide cover for the rental vehicle excess component of your rental vehicle insurance with your car hire company in Fiji, up to the specified limit in your travel insurance policy. This benefit applies to a:  

  • Sedan, hatchback, or station wagon,   
  • Four-wheel drive or minibus/people mover, or  
  • A campervan or motorhome (up to 4.5 tonnes), 

rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms).

Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.

Important Contact Information in Fiji

When an unexpected event arises, having key contact details readily available can prove incredibly helpful. Make sure to note down these important numbers before your journey to Fiji. 

Fiji International Country Code: +679

This code is vital if someone needs to reach you on a Fiji mobile number, especially when using services like an eSIM. For example, dial +679 followed by the local number to make a call. 

Emergency Contacts in Fiji
  • Police: 917 or 911 
  • Fire and Rescue: 910 
  • Ambulance and Medical Emergency: 917 or 911 
Government Contacts

Australian High Commission in Fiji 

  • Address: 37 Princes Road, Tamavua, Suva, Fiji 
  • Phone: +679 338 2211 
  • Emergency After Hours: +61 2 6261 3305 
Fast Cover 24/7 Emergency Assistance
  • In Australia: 02 8320 7999 
  • Overseas: +61 2 8320 7999 

FAQs

Whilst Fiji is a popular destination for Australian travellers, changing civil, political and climate conditions may affect whether Fiji is considered a safe destination to travel to. It's important to stay informed about local conditions and follow safety advice from the Australian Government via Smartraveller and any travel alerts issued by your travel insurance provider. 

The ideal time to travel to Fiji depends on your interests, activities, and weather preferences. Weather wise, the best time to visit Fiji is between late March and early December, with the dry season from May to October offering sunny days and a warm tropical climate perfect for outdoor activities and water sports. 

Before you travel to Fiji from Australia, make sure to research your travel destinations and the activities you will do in Fiji, so that you can pack accordingly. Ensure your passport is valid for at least 6 months and check visa requirements. Consider purchasing travel insurance for your trip to Fiji. Fast Cover offers travel insurance policies that can be customised with optional extras to suit many travellers travel plans to Fiji. 

Fiji Travel Hub

Discover travel resources, advice and tips for your next holiday to the Fiji.

pool deck on cruise ship
Cruise Health And Safety Guide

Cruise travel can be exciting, but it’s important to prioritise health and safety to reduce potential risks so you can enjoy everything your cruise has to offer - from onboard activities to on shore excursions. We’ve compiled this ultimate guide for cruise goers, filled with tips for staying safe and healthy while on your cruise.

cruise on the sea
Themed Cruise

Set sail on a unique adventure with a themed cruise. From food festivals to music fests at sea, our guide covers some of the best options, include what to expect on your themed cruise voyage.

beach in Fiji
Travel Insurance for Fiji

Whether you're embarking on a cruise, island hopping in the Mamanuca Islands or snorkelling among coral reefs, Fast Cover’s Fiji travel insurance offers different levels of cover to suit many types of travel in Fiji. 

 

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^ Price as at 27/10/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.