Business Travel Insurance

If you're one of nearly three million Australians who travel for work each year, a business travel insurance policy should be at the top of your to-do list.

Your employer may be paying for your accommodation and transport, but chances are it's up to you to make sure you're covered in case you become ill, your flights are delayed or your belongings get damaged, stolen or lost.

Whether you're travelling interstate for meetings, flying overseas for an important conference, or jetting off on a working holiday, make sure you tick business travel insurance off your task list.

See the benefits tables below for more information:

Medical Benefits	Basics	Domestic Plus	Standard Saver	Comprehensive	Snow Sports Plus	Frequent Traveller Saver
Overseas 24/7 Emergency Medical Assistance^ sub-limits:	Unlimited	–––	Unlimited	Unlimited	Unlimited	Unlimited
Funeral/cremation Overseas and/or bringing your remains home (per person)	$20,000		$20,000	$20,000	$20,000	$20,000
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	$7,500	$5,000	$15,000	$15,000	$15,000
Personal computers,video recorders or cameras (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	Optional	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 home (per person)	$20,000	–––	$20,000	$20,000	$20,000	$20,000
COVID-19 Trip Cancellation & Disruption	–––	$3,500	$3,000	$5,000	$5,000	$5,000

Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.

Who should get business travel insurance?

While travelling for business can involve fantastic accommodation and the best seats on the flight, things can also go wrong.

Accidents can happen anywhere and at any time. Laptops can be broken or stolen, luggage can be misplaced and flights can be cancelled.

However, travel insurance can help make sure these nuisances don’t escalate into a full-blown, expensive crisis.

Get your travel insurance quote today if you are:

Planning a visit to a conference or expo in another town, state or country
Meeting corporate clients away from home
Visiting another business or worksite
Planning to work for your company in another country for up to 24 months

If you're lucky enough to squeeze in some playtime around your work schedule, we’ll cover you for that too!

If you travel overseas regularly for work or in combination with personal trips, a Frequent Traveller Saver policy may be the most cost-effective travel insurance option for you.

This multi-trip policy allows you to take an unlimited number of trips overseas within a 12 month period, and there's the option of adding on cover for your spouse, partner, and dependant children or grandchildren so they can accompany you on one or multiple trips.

Why should you get business travel insurance?

Fast Cover's business travel insurance has been designed to cover you for what matters most whilst you’re working away from home.

Depending on what level of cover you choose, we can provide cover for things such as:

Your personally owned (not company owned) equipment, laptops, smartphones, tablets, cameras, even your glasses!
Emergency medical treatment overseas and other associated expenses
Your travel, covering delays and cancellations
Loss of income cover if you are unable to work when you return home due to an injury or illness sustained on your trip

Plus all of our policies include the support of our 24 hour Emergency Assistance team anywhere in the world.

Why choose Fast Cover for your business trip?

Fast Cover provides simple and flexible insurance policies for professionals and business travellers.

We understand that busy business travellers just want the best quality travel insurance for the best price, so we've made the process as fast and simple as possible.

We've cut out the lengthy medical assessments most travel insurers make you fill out by covering a set list of 43 Pre-Existing Medical Conditions.

There's also no need to list every single country you're intending to travel to. Simply select the region you need and you're automatically covered for all the countries included in that region, as well as the regions below it.

For example, if you're travelling to Asia, you're automatically covered for travel within the Pacific, New Zealand and Domestic regions as well.

With extensive specialist experience in the travel insurance industry, we can help you build a policy that provides cover for the things that are most important to you, wherever you are travelling next for business.

Our call centres are based in Australia so you'll only ever talk to Australian based sales & claim staff.

The price on your quote is 'Locked In' for 48 hours.

Wherever you're travelling and whenever you need us, our 24/7 worldwide expert assistance team are ready and waiting to help.

Buy today and your cover starts today for the money you've spent on hotels, flights or tours in the event of unexpected sickness, injury, family emergencies or natural disasters.

Example Incidents^~

Dave’s Damaged Device

After travelling from the United Kingdom to Germany for business, Dave was dismayed to find his laptop computer had been damaged during the flight. Even though he had taken reasonable steps to safeguard the laptop by stowing it in the overhead luggage compartment in a protective case, the screen was badly cracked. After returning home, he submitted an online claim with photos and supporting documentation from the airline and was compensated $775 AUD by his Fast Cover travel insurance policy.

Marge’s Medical Expenses

Marge visited a doctor in Dubai after her flight, suffering from pain and swelling in her thighs. She was sent for an ultrasound which revealed a superficial blood clot in her upper leg. As it was not related to a pre-existing condition, her Fast Cover policy covered the $1,300 AUD medical bill.

Traveller Testimonials

Excellent service

Made a claim which was received in less than two weeks. Would recommend to anyone and will use again when able to travel. Customer service was excellent.

Heather – Productreview.com.au

Easy, great rates and excellent service

Used Fast Cover many times and very good value for money. Very easy to get a quote and policy online and excellent customer service. Have had to claim twice without any hassles.

Alitas – Productreview.com.au

Great coverage

This is the company that I use all the time now. Great coverage at a reasonable price. Easy online setup and never any hassle. Highly recommend them to anybody needing travel insurance.

Gary – Productreview.com.au

^~Traveller details have been changed to protect their privacy. Claims examples are from Fast Cover travel insurance customers from 1 July 2013 to 30 June 2016.

Things you need to know

^* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

^# Available with our Comprehensive policies only.

^** No cover is provided for pregnancy, childbirth or related complications unless it is a single, uncomplicated pregnancy up to and including 23 weeks. In any event we will not pay medical expenses for regular antenatal care, childbirth at any gestation or care of the newborn child. Complications mean any secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome.

⁺ Statistics based on 'Travel by Australians' quarterly report for June 2013, 'Tourism Industry Facts & Figures at a Glance' September 2012, Cruise Industry Source Market Report: Australia 2013 and Fast Cover Customers.

² 5% saving is based on the cost of a Duo policy versus the cost of two single policies. Excess reduction discount based on excess reduction cost under a Duo policy versus cost under two single policies. Duo policies do not provide cover for any dependent children.

⁴ Price based on an 18 day Basics policy to South Pacific region for Single traveller aged 50 years old or younger with $200 excess.

⁶ Must be accompanied by a professional instructor or guide.

Travel Insurance For Business Trips