Yes, travel insurance is genuinely worth having for a trip to Fregate Island, a small private island in Seychelles reached only by light aircraft or boat transfer from Mahe. The honest case for coverage here is access and evacuation logistics rather than everyday danger - this is a private-island setting with limited services of its own, and reaching proper medical care means leaving the island by the same limited transport that got you there. Fregate is also known for conservation work, including efforts protecting rare native birds, which draws a particular kind of nature-focused visitor.
Anything beyond minor first aid on Fregate typically means transfer to Mahe, the Seychelles' main island and its real medical hub, with further specialist treatment meaning transfer onward to the nearest major medical center abroad. Confirm your policy explicitly covers both the inter-island transfer and any international evacuation, since a policy that only reimburses routine care misses the part of the risk that actually matters on a private island this remote.
Diving and snorkeling around Fregate's reefs are genuine draws, and both carry real risk given the distance from full medical facilities. Seychelles sits largely outside the cyclone belt, but the northwest monsoon, roughly November through March, and the drier southeast trade-wind season that follows both affect sea conditions enough to occasionally delay boat transfers to and from the island. Confirm your policy names diving specifically and covers weather-related transfer delay.
Keep any clinic paperwork from Fregate or Mahe, transfer-operator confirmations, and receipts for treatment or delayed transport, since claims involving a private-island transfer need clear documentation of each leg. Check whether your existing health cover extends abroad and specifically to Seychelles before you assume it does, and confirm your policy's evacuation benefit explicitly covers transfer between islands, not only care received once you reach Mahe.