International Travel Insurance

Travel insurance when you are travelling internationally

International travel insurance is essential no matter where you're headed or how tight your budget may be!

Every year thousands of travellers set off to explore new locations and cultures around the world.

Shopping in Singapore, island hopping in the Pacific, cruising to Alaska, hiking to Machu Picchu in Peru, or simply wandering the streets of Paris or Rome in search of the most authentic cuisine. Overseas travel offers an unlimited variety of new experiences and adventures!

But even if you’ve thoroughly researched your destination, or only travel to ‘safe’ countries, you can never be absolutely certain that something won't go wrong along the way.

An international travel insurance policy can provide cover for a wide variety of situations. You may get sick or injured in an accident, or have your bag lost by the airline. You may even find yourself stranded due to a natural disaster, or have to unexpectedly return home early because of a family emergency.

What benefits does our international travel insurance include?

The benefits of Fast Cover’s policies are shown in the tables below:

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.

Why should you get international travel insurance?

Whether you're travelling internationally to visit family, taking a break from work or study, or simply want to see the world, purchasing international travel insurance is essential before you set off.

Not only does it provide you with access to 24 hour Emergency Assistance, but also helps to cover unexpected expenses in a wide variety of situations.

Some common complications of overseas travel include:

Overseas medical and hospital expenses
Unexpected trip cancellations
Unexpectedly having to return to Australia
Loss or theft of travel documents
Damage or theft of personal items such as luggage, mobile phones, cameras, laptops, etc.
Travel delays

Many people don't realise until it's too late that they'll be the one who has to fork out for emergency medical treatment or other expenses if anything goes wrong on their travels.

Medicare and private health insurance generally doesn't cover you while you’re travelling internationally, so it will be up to you (or your family) to cover the costs if you run into trouble overseas.

Who should get international travel insurance?

Any traveller heading overseas should consider purchasing international travel insurance before they depart.

This includes singles, couples, families, and friends, whether you're a:

Backpacker
Flashpacker
Senior
Business traveller
Volunteer
Student on exchange
Holidaymaker
Gap Year traveller
Adventurer
Cruiser
Frequent traveller

What are some of the main benefits to look for in an international travel insurance policy?

Every traveller has different priorities when they travel internationally, but some of the main benefits you might want to look for in a travel insurance policy include:

Worldwide 24 Hour Emergency Assistance
Cover for Emergency Medical and Hospital Expenses
Cover for Cancellation Costs
Cover for Travel Delays
Cover for Luggage and Personal Belongings

Remember that it's important to compare the different benefit limits and exclusions when shopping around for a travel insurance policy, not just the price.

How do I choose my travel destination?

Just enter the country or countries that you're planning on travelling to. And if you need to add other countries after you've bought your policy? Just contact us and we'll add it for you - depending on the country or countries you want to add, you may not need to pay an extra charge!

If you're going to be visiting many different countries, or haven't finalised your itinerary, you can also select the Region that you want to be covered for.

Check the table below to find the appropriate region for your trip:

Region	Popular Destinations for this region	Automatically includes cover for these regions
Worldwide	North, Central & South America Hawaii Africa Middle East Antartica	Australia New Zealand South Pacific Asia Europe
Europe	UK Germany France Greece Spain Russia	Australia New Zealand South Pacific Asia
Asia	Bali Indonesia Japan Cambodia Malaysia Philippines Singapore Thailand Vietnam	Australia New Zealand South Pacific
South Pacific	Fiji New Zealand Islands in the South Pacific	Australia New Zealand
New Zealand	New Zealand	Australia
Australia	Thursday Island Lord Howe Island Norfolk Island

Why choose Fast Cover for your international travel insurance?

Fast Cover provides specialist travel insurance for international travellers heading to every corner of the globe.

Whether you're trekking across South America on a solo backpacking expedition, celebrating retirement with a luxury cruise around the Caribbean islands, or taking the family on a tour of Europe, we have an international travel insurance policy to suit all ages, traveller types and budgets.

Our policies are simple and straightforward, but flexible enough that you can tailor the benefits to cover the things that are most important to you.

No Medical Assessments required at time of purchase
14 Day Money Back Guarantee
Optional cover for up to 10 dependants under 21 years of age
Cover for 43 Pre-existing Medical Conditions
Cover for a huge list of sports and activities
An optional Adventure Pack add-on to cover extra adventure activities
An optional Motorcycle Pack add-on to cover motorcycle, moped or scooter riding
Optional cover for Skiing, Snowboarding and other Snow Sports
Optional Rental Vehicle Excess Insurance
Optional cover for your bicycle
Optional cover for other High Value Items
Flexible Excess options

With Fast Cover travel insurance, you can set off on your international adventure with confidence knowing our emergency assistance team is available 24 hours a day, 7 days a week, 365 days a year.

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^~

Trip Cut Short

John and his wife were on a round-the-world cruise from Sydney to New York, and had planned to spend four weeks in the USA afterwards. However, their plans were unexpectedly cut short when John broke his leg on cobblestones in Amsterdam. The on-board doctor fitted a surgical boot, but the couple decided to fly straight home for treatment after disembarking in New York. They were able to claim for their cancelled train journey to Washington, as well as the pre-paid accommodation, domestic flights within the USA and the return flights home.

Sandra's Sickness at Sea

70-year-old Sandra from Canberra could have been left with medical bills totalling more than $29,000 AUD if she hadn’t purchased travel insurance. Sandra was on a 60 day cruise in Asia with her husband Jacob when she picked up a severe respiratory infection and needed to be evacuated from the ship. Fast Cover's Emergency Assistance team helped coordinate her medical transport and treatment as well as organising accommodation for Jacob to stay nearby while she recovered in hospital. They also arranged alternative flights home under medical supervision with oxygen once Sandra was declared fit to fly.

Traveller Testimonials

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

Excellent response and outcome, will use again

After being robbed of passports, credit cards and basically everything we needed on the morning we due to fly home, we were devastated and worried what our insurance would cover. We needn't have! We were reimbursed for almost everything: new passports, taxi fares, extra two days living expenses and best of all full reimbursement of our airfares home including our upgrade to business class which we bought just a few days before we were due to fly home.

Ross – Productreview.com.au

Easy to get travel insurance

I have had several trips covered by Fast Cover and have only just obtained another policy for my next trip. Being a Senior and over the age of 80 years, I find it is extremely easy to obtain a policy without having to apply each time to my doctor for health details. As I enjoy great health I have had no worries at all with my coverage, and the pricing was good value. Extremely happy with customer support.

Noel – 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.

↟Based on 365 day Basics policy to New Zealand region for a single traveller 50 years old or younger with $200 excess.

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.