Is Fast Cover travel insurance for seniors?

Yes, Fast Cover offers travel insurance for seniors up to and including 89 years of age.

Is Fast Cover travel insurance good?

Fast Cover insurance can be suitable for a variety of travellers, including backpackers, families and seniors. As with any insurance, it's important to review the product disclosure statement to make sure the policy suits your particular needs.

Fast Cover Travel Insurance Review

4.1 (95 reviews) Write a review

Pros

Fast Cover was highly commended in the Comprehensive category at the 2026 Finder Awards.
With a specific Bicycle add-on, travellers heading on a cycling holiday can opt for extra protection - up to $5,000 per bike.
Fast Cover Travel Insurance offers a wide range of customisations, including specific packs for bicycles, motorcycling, adventure activities, snow sports and cruising.

Cons

Pregnancy is only covered up until the 23rd week if you are pregnant with a single child (19 weeks for twins or multiple children). But we found 11 brands that extend cover beyond this point.
Although cruise travel can be covered, there's no specific policy for cruising which means some cruise-specific risks may be overlooked.

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Congratulations, Fast Cover!

Fast Cover was highly commended for Best Comprehensive Travel Insurance in the 2026 Finder Awards.

Full list of 2026 winners

Fast Cover Travel Insurance deals

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Summary of Fast Cover's Comprehensive policy

Overseas Medical and Hospital Expenses	Unlimited
Cancellation and Amendment Fees	Unlimited
Luggage and Personal Effects	$15,000
Maximum Age Limit	89

How does Fast Cover Travel Insurance cover Covid-19?

Like most Australian travel insurers, Fast Cover includes some cover for COVID-related claims, but limits and conditions vary between brands. The three key benefits covered are:

Unlimited Covid-19 overseas emergency medical expenses, including medical evacuation and repatriation
Up to $5,000 for trip cancellation and disruption due to Covid-19. Cancellation and disruption cover is not available on the Basics policy, and Covid-19 cover does not start until 72 hours after you buy.
Additional expenses you might incur, including travel, accommodation and childcare costs

There are still some pandemic-related costs that are not covered at all by Fast Cover, including expenses related to lockdowns, border closures and quarantine.

What policies do Fast Cover offer?

Fast Cover has six levels of cover available: Domestic Plus, Snow Sports Plus, Basics, Standard Saver, Comprehensive and Frequent Traveller Saver. Here are some of the main insured events a policy can cover you for:

Australian Map Icon

Domestic Plus

Snow

Snow Sports Plus

Luggage

Basics

Standard Saver

Comprehensive

Frequent Traveller Saver

The insurance is issued by Lloyd's and comes with a 25-day money back guarantee. The excess is the amount you're required to pay when you make a claim and you can adjust this if you pay an additional premium.

"I was travelling to Las Vegas on a business trip for a few days. I was originally going to buy insurance from another provider that had scored more highly - however I read the pros and cons on Finder's review and it pointed out that I might want to check accidental death and disruption expenses. FastCover had better coverage for those so I went with them! "

Joe Waller

Finder crew member

Here's a breakdown of Fast Cover travel insurance features

Standard features
Optional add-on
Exclusions

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Standard features

A Fast Cover Travel Insurance policy has a stack of benefits that can cover you leading up to and during your trip. We've highlighted some of the main benefits included in the Comprehensive policy to help you decide if Fast Cover is the best option for you:

24/7 overseas emergency medical assistance
Accidental death
Loss of income
Luggage and personal effects
Overseas emergency medical and hospital expenses

Overseas emergency dental
Permanent disability
Special event transport expenses
Trip disruption expenses
Trip cancellation expenses

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Optional add-on

When purchasing any of the insurance plans from Fast Cover, you have the chance of choosing a Single Policy, Duo Policy or Family Policy at purchase. Other optional add-ons include:

Adventure pack for additional cover on top of the standard sports and activities
Motorcycle pack covers you as a rider or passenger on a motorcycle, scooter or moped
Bicycle pack can cover any bicycles that you take on your trip

Exclusions

As with any travel insurance provider, there are certain situations when your claim may not be paid. Some of Fast Cover Travel Insurance's general exclusions include if:

Your claim arises from any medical or pregnancy condition that existed during the period of 3 years prior to Your policy issue date and is not listed as covered, or is listed as excluded on your Certificate of insurance, or if changes in health occurred after the policy issue date and before your trip, unless a new medical screening is completed before departure and it’s listed on our Certificate of insurance.
Your claim arises from you being aware at the time you bought your policy of something that would impact your ability to travel. For example, if you knew a family member may pass away during your trip, and you had the intention of using your policy to cover last minute changes to your travels, you might not be covered for those expenses.
You won’t be covered if you travel and ignore government warnings and known events in the media for reasons set out in the Product Disclosure Statement (PDS). For example, you may not be covered if you take out a policy after a volcano eruption warning is issued on the news.
Your claim arises from being denied boarding from a travel provider due to COVID-19 vaccination requirements, or from errors in any booking arrangements, failure to obtain relevant visa, passport or travel documents, or being rejected access to a country on arrival for any reason.
You won’t be covered if you travel against the advice of a doctor or medical practitioner.
You won’t be covered if your claim arises from the consumption of alcohol or illegal drugs.

Make sure you review Fast Cover's Product Disclosure Statement for a detailed breakdown of what is and isn't covered.

How to make a Fast Cover Travel Insurance claim

For emergencies, you can contact Fast Cover's emergency assistance team on +61 2 8320 7999 or emergency@fastcover.com.au.

All other claims can be completed online by following these steps:

Head to https://fastcover.com.au/claims
Enter your email address and policy number
Complete the required details
Attach any documentation to support your claim
Submit, and wait for Fast Cover to contact you

Here's the bottom line about Fast Cover Travel Insurance

Fast Cover's comprehensive policy offers an impressive range of add-on options, including specific packs for bicycles, motorbikes, adventure sports, snow sports, and hire cars. This means policies can be customised to suit a wide range of holidays and travellers.

However, there are areas where Fast Cover's Comprehensive Travel Insurance isn't as strong. Like how pregnancy cover is on the lower end of what is typically offered by insurance brands and is only covered up until the end of the 23rd week. (We found 11 brands that extend beyond this point).

Finally, there is no specific cruise policy. While cover can be extended so you're protected on cruises, cover for some cruise-specific risks may be lacking, such as cabin confinement or seasickness cover.

Still on the fence about Fast Cover? You can compare other travel insurance companies here.

Frequently asked questions

- Winner for Best Travel Insurance - Value

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Joelle Grubb as part of our fact-checking process.

Written by

Cristal Dyer

Writer

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Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio

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33 Responses

GeoffreyMarch 25, 2025

Will the comprehensive fast cover policy cover evacuation from a small cruise ship traveling in Kimberly region back to Australia mainland hospital–eg. Helicopter transfer if required in case of a medical emergency

Finder

PetaMarch 26, 2025Finder

Hi Geoffrey, yes this can be covered on Fastcover’s comprehensive policy. Looking at the domestic cruise option, this is what they’ve listed under ‘Emergency Medical Evacuation’:

Domestic cruise: Provides cover for you to be evacuated from your cruise ship within Australian waters (including a remote area within Australia, but not a remote area on land within Australia) to where you can be picked up by air or land ambulance, or the Royal Flying Doctor Service in the event of a medical emergency.

This is explained in more detail on page 22 of their product disclosure statement: https://fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf

Hope this helps!

DominicJuly 22, 2024

What Travel Insurance company offers ski / snowboard in the cover in the USA for over 70 year olds

Finder

SarahJuly 29, 2024Finder

Hi Dominic,

The best way to find this information is to input your details to the travel insurance quote form, then when the results page starts loading, select “ski” from the optional extras menu. I just did this as a test run and selected an age of 73, with travel dates in August; more than a dozen options were listed, so you there should be a number of options for you.

Hope this helps!

RachelJune 23, 2023

My son is going to domestic snow fields with school camp – would his equipment and any accident be covered?

Finder

JamesJune 23, 2023Finder

Hi Rachel,

It’s important to review Fast Cover’s PDS (which is available on its website) to be clear on exactly what is and isn’t covered under a policy.

I can see Fast Cover has a Domestic Plus option. At the time of writing, it covered up to $1,500 in snow sport equipment. Its medical benefits look quite restricted though, so you may benefit from speaking with the insurer directly about your needs.

Best wishes,

James

JennyMarch 10, 2023

Does Fast Cover allow for cancellation due to Covid illness or other unforeseen medical issue prior to departure on a Pacific Cruise.
Does it cover isolation costs if contract Covid while on cruise.
Thanks

Finder

SarahApril 25, 2023Finder

Hi Jenny,

Fast Cover Travel Insurance provides cover for trip cancellation or disruption due to COVID-19 for domestic trips, domestic cruises and selected international destinations.

COVID-19 cover is not available for all countries or for all travellers. The country you’re traveling to, your age and pre-existing medical conditions are all considered, and used to determine if your trip is eligible for cover.

To find out if you can get travel insurance for COVID-19, it’s worth getting a quote to check your eligibility.

Hope this helps!

RyanNovember 30, 2021

I want to know we are travelling to Canada next week. I want to know if your insurance would cover covid related medical expenses if we happened to get sick?

Finder

JamesDecember 8, 2021Finder

Hi Ryan,

Fast Cover Travel Insurance offers an ‘Optional COVID-19 Pack’ where they do include some cover for the following if you contract COVID-19:

1) Overseas emergency medical, hospital and medical evacuation expenses
2) Trip cancellation and disruption

For more information, please refer to Fast Cover’s Product Disclosure Statement (PDS). This is available on this provider’s website – you can click the ‘Get Deal’ button above to get started.

It’s crucial to read the policy’s wording with care so you know what your insurance covers you for, along with any restrictions and exclusions.

Regards,
James

Fast Cover Travel Insurance

Our verdict: A wide range of add-on options gives flexibility to travellers, but cover isn't great for pre-existing medical conditions or pregnancy.

Pros

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