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Important:
Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
Fast Cover provide various travel insurance options so you can tailor your policy to your holiday. Be a savvy traveller and save on Fast Cover with Fast Cover Travel Insurance coupons. Browse the cover options below and save on these policies with Fast Cover Travel Insurance coupons.
Fast Cover Travel insurance coupon codes and discounts
Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘 Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance. International travel insurance is limited and sometimes unavailable at this point.
This policy offers the most extensive cover. You can purchase this policy with the Snow Pack optional extra to cover ski-related activities and equipment. You are covered for:
Unlimited emergency assistance and medical expenses overseas
Unlimited cancellation fees and lost deposits
Trip disruption expenses and hospital allowance
Accidental death and permanent disability
Travel documents, credit cards and travellers cheques
Luggage and personal effects
Travel expenses and alternative transport costs
Personal liability up to $5 million
Domestic Plus
This policy covers you for:
Unlimited cancellation fees and lost deposits
Trip disruption expenses
Accidental death
Luggage and personal effects
Travel delays
Car hire excess
Personal liability up to $5 million
Standard Saver
This plan is ideal for international travel. With fewer benefits and lower maximum liability than the Comprehensive policy, it still covers the essentials required in an emergency overseas, including:
Unlimited emergency assistance and medical expenses overseas
Cancellation fees and lost deposits
Trip disruption expenses
Hospital cash allowance
Travel documents, bank cards and travellers cheques
Luggage and personal effects
Personal liability $2.5 million
Frequent Traveller Saver
This 12-month policy is available as either a Worldwide or Asia Pacific plan. Both plans offer the same amount of cover with variations on the maximum amount of days per journey. This policy is not available to travellers aged 60 years and older. Eligible travellers are covered for:
Unlimited emergency assistance and medical expenses overseas
Unlimited cancellation fees and lost deposits
Trip disruption expenses
Hospital cash allowance
Accidental death
Travel documents, bank cards and travellers cheques
Luggage and personal effects
Optional Car hire excess
Personal liability $5 million
Basics
This policy is available to travellers up to 89 years of age if they buy before leaving Australia. It covers you for the bare essentials including:
Unlimited emergency assistance and medical expenses overseas
$500 Overseas emergency dental
Unlimited emergency evacuation and repatriation
Optional luggage and personal effects cover up to $2,000
$1 million personal liability
Snow Sports Plus
This policy is tailored to travellers who plan to ski or snowboard when they travel. It comes with similar cover to their comprehensive policy except you all get the following:
Snow sport equipment
Snow sport equipment replacement hire
Snow prepaid expenses
Snow resort closure
Additional optional covers include:
Specified Luggage & Personal Effects Cover. the option to take out additional cover for specified items up to a maximum of $5,000 (not available under Plan C or E)
Removal of Standard Excess. the option to remove or reduce the standard $200 excess (not available under Plan B).
Adventure pack. Feeling even more adventurous? Get additional cover for extreme sports on top of the already included activities.
Motorcycle pack. Get cover if your a rider or passenger on a motorcycle, scooter or moped.
Bicycle pack. If you're taking your bicycle on your trip, get cover for up to $15,000 for your bike as long as it is less than 3 years old and without defects.
Pros and cons of Fast Cover
Below are a few pros and cons to consider before buying a policy.
Pros
Underwritten by Hollard Insurance Company Pty Ltd
Flexible policies that allow you to add on a cruise or a ski option, adjust your excess levels or increase the cover on specified items
Cover available to travellers of all ages
Apply over the phone or online
Dedicated global customer service and 24/7 emergency support through Hollard
Resume trip if interrupted
Extend, amend or cancel policy online
Submit a claim online
Snow Pack optional extra on the Comprehensive plan
Cons
Some pre-existing medical conditions excluded
Multi-trip plans not available to travellers aged 60 years and older
How do I apply for Fast Cover travel insurance?
Briefly discuss steps involved in applying for cover.
Compare policy options. Decide on which policy best covers your holiday needs.
Receive a quote online. Apply for an online quote for an idea of the premium you’ll pay for your policy.
Read the PDS. Read through the policy to make sure you know what is and isn’t covered.
Check out any additional options available. If you need additional cover for your holiday activities or valuable items, research your options to upgrade your policy with additional cover.
How do I make a claim with Fast Cover?
Give notice. You must let Hollard know as soon as possible by downloading, completing and then sending the claims form. Be sure to include all required information: incomplete claims forms will not be processed.
Provide supporting information. You will be asked to provide information to help Hollard better process your claim. This can include all or some of the following: medical and police reports, statements from travel providers, original receipts and proof of ownership. You will need to have foreign-language documents translated into English.
Cooperate. Be as honest and forthcoming as possible when providing information and evidence.
Fast Cover FAQ
Q. Who can buy Fast Cover travel insurance?
A. You are eligible if you are an Australian resident, if you buy your policy before starting your journey and if your journey begins and ends in Australia.
Q. What is the duty of disclosure?
A. You are required to be honest and disclose the information required to help Hollard decide whether or not to approve your application for insurance.
Q. Which pre-existing medical conditions are covered by the policy?
A. Some pre-existing medical conditions are automatically covered. Consult the list in the Fast Cover product disclosure statement (PDS) or online. If your illness is not on the list, you’ll have to apply for additional cover and have it noted on your Certificate of Insurance.
Q. I am currently overseas, can I purchase a policy?
A. No. You have to buy the policy before you leave on your holiday.
Q. Who is Fast Cover underwritten by?
A. Fast Cover travel insurance is underwritten by The Hollard Insurance Company Pty Ltd.
Q. Can I cancel my Fast Cover policy if I’m not happy with it?
A. You have 14 days to change your mind and cancel your policy. You will receive a full refund of your premium provided you haven’t yet left on your journey or filed a claim.
Jessica Prasida is an associate publisher for Finder specialising in travel and home insurance. She loves travelling and is a wannabe dumplings master. Jess has a Bachelor of Business from the University of Technology Sydney and a Tier 1 General Insurance qualification. She is currently studying a Master of Marketing.
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