†
Product Review Awards
Winner Travel Insurance Award 2022, 2023 & 2024†
sub-limits:
Multi-Award Winning Travel Insurance
WeMoney Awards
Winner Travel Insurance of the Year 2022 & 2023
Winner Outstanding Customer Service 2023
Winner Travel Innovation 2023†
Finder Awards
Winner Best Travel Insurance - Value 2023†
Travel Insurance Australia
The best travel insurance is a policy that provides cover specifically for you and your trip. Everyone is looking for the best travel insurance in Australia, but no one company can be considered the best for everyone. Every traveller and every trip are different. To find the right policy for you, first you should get a quote and then compare the benefits. Hopefully by comparing a number of policies you'll be able to find a policy for your trip that stands out from the rest.
If you're looking to be covered for a road trip or travelling anywhere within Australia, you’ll want a domestic travel insurance policy, or for overseas trips, you’ll need international travel insurance. To qualify for our domestic or overseas policies, you must be a permanent or temporary resident of Australia or Australian citizen. You must also possess a current Australian Medicare health card or are covered by an Australian private health insurance policy.
Australian Owned and Operated
Fast Cover is an Australian-owned and Australian-run travel company. All our travel insurance specialist sales and claims teams are based in Australia. We provide policies for both domestic Australian and international trips.
Multi Award Winning Insurance
The Fast Cover team always strives to deliver the best travel insurance we can for all our travellers. We’re very thankful for the best travel insurance awards we’ve received recognising our efforts.
Winner Travel Insurance Award
2024 Product Review Awards†
Winner Travel Insurance of the year
2023 WeMoney Awards†
Winner Outstanding Customer Service
2023 WeMoney Awards†
Winner Travel Innovation
2023 WeMoney Awards†
Best Travel Insurance - Value
2023 Finder Awards†
Best Travel Insurance Company Australia
2023 Finance Derivative Awards
Winner Travel Insurance Award
2023 Product Review Awards†
Winner Insurance of the Year
2022 WeMoney Awards†
Winner Travel Insurance of the Year
2022 WeMoney Awards†
Winner Best for Value
2022 WeMoney Awards†
Winner Best Travel Innovation
2022 Finder Travel Innovation Awards†
Winner Travel Insurance Award
2022 Product Review Awards†
Holiday Insurance for All Types of Vacations
We all love holidaying, but all holidays aren't necessarily equal. We've created guides for all types of vacations to help you choose the best holiday insurance for your trip.
Domestic
Domestic trips, whether they may be driving, flying, bus or train vacations within Australia.
International
Overseas holidays to New Zealand, Pacific, Asia, Europe or Worldwide regions.
Cruise
A cruise holiday on a sea or ocean on both Australian and international waters.
Skiing
Snow sports trips including skiing, snowboarding, snow mobiling and heli-skiing.
Backpacker
International Experience Canada (IEC), working holiday visas, volunteering or backpacking.
Motorbike
Either riding or being a passenger on a moped, scooter or motorcycle.
Family
For 2 adults and up to 10 dependent children who are under 21 years of age.
Seniors
Travellers who are over 60 years of age and up to and including 89 years of age.
Why Fast Cover?
Travel Insurance Online
Buying online travel insurance comes with some great benefits. You can get an online travel insurance quote and lock in the price. When you're ready to buy online, do it with confidence knowing there is a 25-day money back guarantee, even if you have a change of mind. As soon as you buy your policy, your travel cancellation cover commences. Once overseas, you'll have access to our 24/7 helpline should you need it*.
48 Hour Price Guarantee
The price on your quote is 'Locked In' for 48 hours.
25 Day Money Back Guarantee
Buy with confidence! Get a full refund if you cancel for any reason within 25 days from when you buy a policy and you have not started your trip, made a claim or used your policy to obtain a visa~.
Instant Cancellation Cover
As soon as you buy a single trip policy with a cancellation benefit, your cancellation cover is activated immediately*. COVID-19 Benefits and already overseas policies have a no cover waiting period.
Why buy travel insurance direct from Fast Cover?
- We are travel insurance specialists and know our product best.
- If you purchase from us directly, you will always get our best offers which are communicated via our newsletter.
- Cut out the middle man and you might save a few dollars on your policy.
Once you have completed a quote and compared your insurance options, you can buy travel insurance direct from Fast Cover. Alternatively, if you prefer to book over the phone or have any questions you can call our friendly team directly on 1300 409 322.
Travel Insurance Quotes for Single Trips - The 6 Steps
Departure Date
Enter the date you are leaving your home (not the date you depart Australia or arrive in another country) to ensure you have travel insurance cover for your entire trip.
Return Date
Enter the date you return to your home (not the date you depart the country you're visiting or the date on your airline ticket) so you are covered for your whole trip. Double check time zones as it could be a whole day later when you arrive home.
The Country, Countries or Region you are visiting
You'll need to know which countries and / or regions you are travelling to. Countries are grouped into regions to make it simple for you, for example, Worldwide, Europe, Asia, South Pacific, New Zealand and Australia. As a bonus, each region covers you for all the lower regions. For example, if you buy an Asia region policy, you'll also have cover for travel in the South Pacific region, New Zealand and Australia.
How old are you today?
The price of your insurance is calculated on the age you are on the day you buy your policy, not your age when you leave your home. If you are having a birthday between now and when you depart, it's a good idea to buy before your birthday as it could work out cheaper.
Fellow traveller's ages
If you are travelling with friends and / or family, you'll need to know their ages today. Prices are calculated on each travellers exact age, so correct ages of all travellers are required to get an accurate travel quote.
What type of trip and activities are you doing?
To get a quote that provides cover for your specific trip, you'll need to know whether you'll be going on a cruise, skiing or snowboarding, hiring a car, doing adventure activities such as snorkelling or riding a motorcycle. This will ensure you can get a quote that provides cover for your specific circumstances.
Travel Health Insurance
Buying travel health insurance is essential for anyone planning a holiday. Regardless of whether it's a short domestic break within Australia, or you’re travelling round-the-world! With Fast Cover, you can travel confidently knowing you've got emergency medical cover for your holiday. So buy insurance for your holiday and enjoy every minute of your vacation, instead of worrying about your health if something goes wrong medically on your trip.
Learn More >
24/7 Emergency Medical Assistance
When you need us most, wherever you are in the world, our expert assistance team are ready and waiting to help 24/7.
Unlimited Medical Assistance
Cap-Free Overseas Emergency Medical Assistance & $20,000 funeral or repatriation of remains cover*.
Unlimited Medical Cover
Cap-free Overseas Emergency Medical & Hospital Expenses.
Unlimited Cancellation Cover*
The earlier you buy travel insurance, the earlier we can provide cover for money you've spent on hotels, flights or tours in the event of unexpected sickness, injury, family emergencies or natural disasters.
COVID-19 Travel insurance
The Australian Government has lifted the international travel ban due to the coronavirus pandemic and epidemic. Hopefully that means no more lockdowns or quarantine and travel will return to normal. Australians can continue to travel domestically and now also travel internationally.
Fast Cover provides domestic and international travel insurance with COVID-19 Benefits if you or other travellers listed on your certificate of insurance are diagnosed with COVID-19 coronavirus from a PCR test or confirmed in writing by a medical practitioner.
Travel Insurance COVID-19 Benefits
Cover under our COVID-19 Benefits can provide certain cover for COVID-19 if you or other travellers listed on your policy contract COVID-19 and your trip is cancelled, your trip is disrupted and most importantly, if you need emergency overseas medical treatment for COVID-19 or repatriation back home to Australia.
Unlimited
COVID-19 Overseas Medical & Hospital Expenses
Unlimited
COVID-19 Overseas Evacuation & Repatriation
Up to $5,000
COVID-19 Trip Cancellation & Disruption Cover Δ
What Our Customers Are Saying
Traveller Case Studies
Travel Insurance FAQs
The best travel insurance for everyone is different because it can be considered as the one that fits your personal needs, travel plans, and budget while covering the things that matter most to you. Depending on your trip, this could include cover for overseas emergency medical expenses, trip cancellations, luggage and personal effects cover, and even optional extras for activities like skiing, adventure sports, or riding motorcycles.
Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.
You can buy your Travel Insurance up to 12 months before your Departure Date.
Note:
- For the Comprehensive, Standard Saver, Domestic Plus and Snow Sports Plus policies; the Trip Cancellation Expenses benefit for cancellation fees and lost deposits starts instantly when your policy is issued. It can be best to buy your policy as early as possible to cover you for Trip Cancellation Expenses should the unexpected occur before you start your trip.
- For the Frequent Traveller Saver policy, the Trip Cancellation Expenses benefit for cancellation fees and lost deposits starts on the date that you specify on your policy.
For more information, refer to our Product Disclosure Statement (PDS).
The value of insurance may be considered to be worth it when you consider the cost of travel insurance cover, which is most likely to be relatively small compared to the cost of your total holiday. Costs may vary from a few hundred to hundreds of thousands for an unexpected overseas hospital visit depending on various factors. These costs can easily escalate with extended hospital stays and when a medivac is required to bring you back to Australia. We also provide 24-hour support from the Emergency Assistance team if an emergency occurs.
For more information, refer to our Product Disclosure Statement (PDS) and TMD.
Travel insurance can be purchased after booking your flight.
For some policies, cancellation cover begins from the date the policy is issued, not the departure date. This means any unexpected events that occur before you buy your policy may not be covered.
Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.
You can buy cancellation insurance after you have booked flights, accommodation, tours or cruises, and you can buy it right up until the departure date of your holiday. The earlier you buy a policy that covers cancellation, the longer you will be covered for any deposits or money you have paid for your trip.
Please note cancellation cover is only available with our Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.
Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).
The cost of travel insurance is calculated on your specific trip and considers a number of factors including but not limited to:
- Which countries you're travelling to
- The duration of your trip
- Your age today
- The type of activities you're planning on doing, like skiing
- Whether you're going on an ocean cruise
- How many people are travelling
- The type of policy you select
- The amount of the Excess
Since pricing is calculated individually, the best way to find out is to get a personalised quote online or over the phone, where you can compare options based on your itinerary and coverage needs.
Whether you need insurance is a decision to be made by yourself only and should certainly be considered for anyone who cannot predict the future. It is designed to provide cover for unexpected and unforeseen circumstances such as stolen luggage or medical emergencies which you have no way of knowing if they will or won't happen.
For more information, refer to our Product Disclosure Statement (PDS) and TMD.
Depending on the policy you have chosen, travel insurance can cover you for unexpected costs that happen before or during your trip. This may include overseas medical and hospital expenses, trip cancellations or delays, lost or stolen luggage, and optional extras for activities like skiing, adventure sports, or motorcycle riding.
Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.
The table below is only a summary of benefits. Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website. Benefit limits shown apply per person for both Singles and Duo policies. # These benefit limits are shared between Duo policy holders. ~ These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately. ^ Cover under these benefits are excluded while travelling within Australia. If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.
Medical Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Overseas 24/7 Emergency Medical Assistance^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Funeral/cremation Overseas and/or bringing your remains back to Australia (per person) |
$20,000 | $20,000 | $20,000 | $20,000 | $20,000 | |
|
Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person) |
$60,000 | ––– | $60,000 | $60,000 | $60,000 | $60,000 |
|
Overseas Emergency Medical & Hospital Expenses^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Overseas Emergency Dental^ |
$500 | ––– | $750 | $1,000 | $1,000 | $1,000 |
|
Overseas Emergency Evacuation & Repatriation^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Overseas Hospital Cash Payment^ sub-limits: |
––– | ––– | ––– | $5,000 | $5,000 | $5,000 |
|
Daily Limit (per person) |
$50 | $50 | $50 | |||
|
Accidental Death Travellers Aged 80 to 89: |
––– | $25,000 $20,000 |
––– | $25,000 $20,000 |
$25,000 $20,000 |
$25,000 $20,000 |
|
Accidental Death for travellers up to age 79 |
$25,000 | $25,000 | $25,000 | $25,000 | ||
|
Accidental Death for travellers aged 80 - 89 |
$20,000 | $20,000 | $20,000 | $20,000 | ||
|
Accidental Death of a Dependant (per Dependant) |
$5,000 | $5,000 | $5,000 | $5,000 | ||
|
Permanent Disability^ Travellers Aged 80 to 89: |
––– | ––– | ––– | $50,000 $20,000 |
$50,000 $20,000 |
$25,000 $20,000 |
|
Permanent Disability for travellers up to age 79 |
$50,000 | $50,000 | $25,000 | |||
|
Permanent Disability for travellers aged 80 - 89 |
$20,000 | $20,000 | $20,000 | |||
|
Permanent Disability of a Dependant (per Dependant) |
$5,000 | $5,000 | $5,000 | |||
|
Loss of Income^ sub-limits: |
––– | ––– | ––– | $10,400 | $10,400 | $10,400 |
|
Weekly Limit (per person) - up to 26 weeks |
$400 | $400 | $400 |
Financial Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Trip Cancellation Expenses sub-limits: |
––– | Unlimited | $25,000 | Unlimited | Unlimited | Unlimited |
|
Travel Agents Cancellation Fees |
$1,500 | $1,500 | $1,500 | $1,500 | $1,500 | |
|
Close Relatives that do not meet Close relative conditions |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | |
|
Personal Liability~ |
$1,000,000 | $5,000,000 | $2,500,000 | $5,000,000 | $5,000,000 | $5,000,000 |
|
Trip Disruption Expenses sub-limits: |
––– | $50,000 | $30,000 | $50,000 | $50,000 | $50,000 |
|
Close Relatives with a Pre-existing Medical Condition |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | |
|
Trip Resumption Expenses |
––– | $3,000 | $2,000 | $3,000 | $3,000 | $3,000 |
|
Luggage & Personal Effects sub-limits: |
Optional up to $2,000 |
$7,500 | $5,000 | $15,000 | $15,000 | $15,000 |
|
Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (per item) |
$3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 |
|
Mobile phones (per item) |
$1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 |
|
Tablets (per item) |
$1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 |
|
All other unspecified items (per item) |
$750 | $750 | $750 | $750 | $750 | $750 |
|
Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items. |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 |
|
Passports, Credit Cards & Credit Card Fraud^ |
––– | ––– | $2,000 | $5,000 | $5,000 | $5,000 |
|
Special Event Transport Expenses |
––– | $5,000 | ––– | $5,000 | $5,000 | $5,000 |
|
Rental Vehicle Excess#~ sub-limits: |
––– | $5,000 | Optional up to $8,000 |
Optional up to $8,000 |
Optional | Optional |
|
Return of Rental Vehicle |
$500 | $500 | $500 | $500 | $500 | |
|
Travel Delay Expenses sub-limits: |
––– | $2,000 | ––– | $2,000 | $2,000 | $2,000 |
|
Daily Limit (per person) (we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay) |
$200 | $200 | $200 | $200 | ||
|
Delay of Luggage and Personal Effects^ |
––– | ––– | ––– | $750 | $750 | $750 |
|
Theft of Cash^~ |
––– | ––– | ––– | $250 | $250 | $250 |
Snow Sports Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Snow Sport Equipment |
––– | $1,500 | ––– | ––– | $1,500 | ––– |
|
Snow Equipment Replacement Hire |
––– | $1,500 | ––– | ––– | $1,500 | ––– |
|
Snow Prepaid Expenses |
––– | $750 | ––– | ––– | $750 | ––– |
|
Snow Resort Closure~ sub-limits: |
––– | $1,000 | ––– | ––– | $1,000 | ––– |
|
Daily Limit (per person) |
$100 | $100 |
COVID-19 Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Funeral/cremation Overseas and/or bringing your remains back to Australia (per person) |
$20,000 | ––– | $20,000 | $20,000 | $20,000 | $20,000 |
|
Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person) |
$60,000 | ––– | $60,000 | $60,000 | $60,000 | $60,000 |
|
COVID-19 Trip Cancellation & Disruption |
––– | $3,500 | $3,000 | $5,000 | $5,000 | $5,000 |
Travel Alerts
Stay up to date with the latest travel alerts at home and overseas with Fast Cover news and updates.
Travel Guides
We have put together a series of city and country travel guides to help you make the most of your holiday.
Travel Suitcase
We've packed our travel suitcase full of guides, tips, hacks and inspiration to help you prepare for any trip.
Things you need to know
^ 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.
~ 25 day money back guarantee ends 25 days after the policy purchase date or on the Departure Date of your trip, whichever comes first. No refund is available if you have submitted a claim or intend to make claim under the policy or used your policy to obtain a visa. See the Product Disclosure Statement for more details.
Δ $5,000 combined limit for COVID-19 Trip Cancellation and Disruption for Comprehensive and Snow Sports Plus policies. Benefit limits vary for other policies.