Comprehensive travel insurance is recommended. There is one government hospital (on Rarotonga).
The locals are adept at making items of clothing and items like necklaces and jewellery made from shells. Giving somebody a shell necklace and placing it around the recipients neck is a goodwill and love gesture.
New Zealand Dollar (NZD; symbol NZ$) = 100 cents, supplemented by notes and coins minted for local use which are not negotiable outside the Cook Islands. Notes are in denominations of NZ$100, 50, 20, 10 and 5. Coins are in denominations of NZ$2 and 1, and 50, 20, 10 and 5 cents.