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Fast Cover Comprehensive Travel Insurance

Avoid financial disasters when travelling with Fast Cover Comprehensive Travel Insurance.

When planning a trip, one item that is often overlooked is travel insurance. For many, travel insurance is seen as an unnecessary expense. But not having travel insurance can be a costly mistake.

According to the Department of Foreign Affairs and Trade, the cost of hospitalisation can be more than $800 a day in regions such as South-East Asia. Hospitalisation in Noumea can cost between $1500 and $3000 a day. Medical evacuation bills from the US can be as high as $300,000. Fast Cover comprehensive travel insurance protects policyholders from having to bear the costs of such misadventures.

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  • You can filter your results to customise your cover!
  • You can choose from Basic, Standard or Comprehensive Cover
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  • You can filter your results to customise your cover!
  • You can choose from Basic, Standard or Comprehensive Cover

What does the Fast Cover Comprehensive Travel Insurance cover?

The benefits of the Fast Cover comprehensive travel insurance policy include:

  • Cancellation fees and lost deposits. Fast Cover comprehensive travel insurance offers unlimited cancellation fees for those on the single, duo or family packages.
  • Overseas emergency medical assistance. If you require emergency medical assistance while overseas, this policy will cover you and it comes with unlimited coverage for single, duo and family travellers.
  • Overseas emergency medical and hospital expenses. The coverage provides unlimited coverage on medical emergencies and hospital expenses to all travellers. This package also covers dental expenses of up to $500 per person.
  • Trip disruption expenses. Trip disruption expenses are covered with limits of $50,000 for single and duo travellers and $100,000 for the family package.
  • Hospital cash payment. Fast Cover will pay hospital cash allowance if you are hospitalised for more than 48-hours, this can be used on taxi fares and phone calls. The daily hospital allowance is $50 and this cover comes with a $5000 limit.
  • Accidental death. Accidental death covers death caused by injury during the journey within a 12-month period. If your means of travelling disappears and you are presumed dead or your body is not discovered in 12-months, this claim will be valid. Single and duo travellers have a $25,000 limit while the family package has a limit of $50,000.
  • Permanent disability. If you are injured during your trip and become permanently disabled within a 12-month period, Fast Cover will compensate you. Single and duo travellers would receive $50,000 compensation while family travellers get $100,000.
  • Loss on income. If you are injured on your trip and as a result become disabled in 30 days, you will be paid $400 per day for 26 weeks. Loss of income is covered for $10,400 for single and duo travellers with $20,800 for families. This payout is per person injured.
  • Travel documents, credit card and traveller’s cheque. Fast Cover will reimburse the replacement and communication costs of your travel documents. This policy will also cover any losses incurred due to fraudulent use of your credit card and traveller’s cheque.
  • Theft of cash. Theft of cash is also covered and this includes cash, postal orders, money orders, and bank and currency notes. This cover has a $250 limit.
  • Luggage and Personal Effects. Fast Cover will pay for the costs of repair of any damaged or lost luggage and personal effects.

Other features covered by this policy include: luggage and personal effects delay expenses, travel delay expenses, alternative transport expenses, personal liability and rental vehicle excess.

Fast Cover Comprehensive Additional Options

Fast Cover also offers an additional travel insurance option for travellers. These are:

  • Specified luggage and personal effects cover. This feature is purchased as an addition to the luggage and personal effects cover which pays for the repair costs of damaged luggage and personal effects. The cover also pays for the loss of stolen or permanently damaged items. You can purchase this additional cover for specified items valued at no more than $5,000. You will however be required to pay an additional premium. This cover has its own limitations and you cannot purchase it for snow sport equipment or jewellery. The policy also does not cover watercraft or bicycles, but you can include surfboards. Specified items are regarded to as personal effects and luggage that have already been listed in the insurance cover.
  • Removal of standard excess. All insurance policies have excess provisions and this one is not exempted. The good news is that with this additional option, you can remove or reduce standard excess by paying extra premium. Standard excess is charged $200 and you can remove it altogether or simply reduce it by half to $100.
  • Rental vehicle excess. Cover for excess if you hire a car on your trip. This covers you for up to $8,000.
  • Adventure pack. Extra cover for those adrenaline junkies. Fastcover already has a list of automatically included activities but the adventure pack provides additional cover for other activities such as animal encounters, kayaking in grade IV rapids and water skiing.
  • Motorcycle pack. Cover for being a rider or passenger on a motorcycle, scooter or moped. There is no cover for riding off road and a maximum age of 74 applies.
  • Bicycle pack. If you're taking your bike on a cycling trip, you can cover the value of your bike up to $1,500 as long as it is less than 3 years old and free of defects.

What does this policy exclude?

Fast Cover will not pay your claim if:

  • your claim is as a result of intentional loss
  • you act irresponsibly, failing to protect your property or yourself
  • you purchased the policy fully aware that a situation warranting a claim would arise
  • your loss is recoverable through other forms of compensation such as a medical benefit scheme, government sponsored funds, transport laws, workers compensation or others
  • your claim is as a result of errors or omissions made with your booking arrangement, or your failure to posses the relevant travel documents
  • your claim is as a result of a criminal or illegal activity or breaking visa requirements
  • your claim is as a result of government authorities destroying, detaining or confiscating your items
  • your claim is as a result of you operating a motorcycle, moped or scooter without the relevant licence. Your claim is also not valid if you were a passenger and the person in control is not a holder of a valid license
  • your claim is as a result of or associated to an actual or likely epidemic or pandemic
  • your claim is as a result of ignoring media, government or official warnings of riots, strikes, civil protests or contagious outbreaks. The policy will also not cover travellers who travel to countries or regions that they have been warned against
  • your claim is as a result of war – declared or not, revolution, rebellion, insurrection or military take-over
  • your claim is as a result of a nuclear reaction, radioactivity or contamination of either
    your claim is as a result of harm or death caused by chemical or biological substances that were used to create public fear, harm or kill.

Who is eligible for getting a comprehensive plan?

You are eligible to purchase the Fast Cover comprehensive travel plan if you are an Australian resident. Ideally, this policy should be purchased before commencing the trip and the trip should begin and end in Australia. Depending on your circumstance, you may be able to purchase this policy after your departure from Australia but there are a few more requirements to meet.

Travellers aged between 80 and 89 years old can acquire this cover but there is a $2000 excess. This policy is available for single, duo and family travellers.

How to make a Fast Cover Comprehensive claim

Claims should be reported as soon as possible. You can start the claim process online, via email or over the phone.

  • Online.
  • Email.
  • Phone (in Australia). 1300 409 322
  • Phone (overseas). +61 2 8215 7239

You are required to provide any information that is pertinent to the claim such as police reports, medical reports, valuations and proof of ownership. You must co-operate with Fast Cover and provide any additional documents or information requested.

Your personal effects and luggage are subject to depreciation as determined by the insurer. You must never admit liability or fault with any claim. All claims are paid in Australian dollars

Medical, hospital and dental claims should be made to Hollard as soon as possible. With theft or loss of personal effects and luggage, you need to report the matter to the police and obtain written notice. With lost or damaged luggage and personal effects by an airline or accommodation provider, report the matter immediately and obtain a written report.

Claims should be submitted, within 30 days of your return to Australia. You can contact the Fast Cover claims department if you have any questions on how to go about the claims process.

Apply for Fast Cover Comprehensive Travel Insurance

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6 Responses

  1. Default Gravatar
    MartinJanuary 19, 2017

    Will I be covered if a charter a yacht (bare boat charter) in the British Virgin Islands for 2 weeks?

    • Avatarfinder Customer Care
      RichardJanuary 20, 2017Staff

      Hi Martin,

      Thanks for getting in touch. Under a standard Fast Cover Travel Insurance policy, you will be automatically covered for sailing up to 10 nautical miles off any land mass. If you plan on going 11 to 15 nautical miles off any land mass, you will need to buy the Adventure Pack. Fast Cover do offer cruise cover, so you may want to clarify with them how they would class the chartering of a yacht.


  2. Default Gravatar
    thereseOctober 5, 2016

    What is the meaning of single trip?

    • Avatarfinder Customer Care
      RichardOctober 6, 2016Staff

      Hi Therese,

      Thanks for getting in touch. A single trip describes a journey that begins when you leave your home and ends when you get back to your home. This trip can be made up of multiple countries, and indeed domestic locations, so long as the domestic destination is not within a specified distance of your residence (normally 250km).

      I hope this was helpful,

  3. Default Gravatar
    DonFebruary 23, 2016

    We are aged 82 and 86. does the comprehensive travel insurance cover us for pre existing conditions. Our doctors are happy to sign that we are fit to travel

    • Avatarfinder Customer Care
      RichardFebruary 24, 2016Staff

      Hi Don,

      Thanks for your question. You may find our seniors travel insurance page helpful, it lists the various age requirements for the travel insurance brands in our panel.

      I hope this was helpful,

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