Overseas Travel Insurance

Travel insurance for when you are travelling overseas

Overseas travel insurance can provide cover for a wide variety of unexpected situations and is an essential travel accessory that no traveller should leave home without.

There's an unlimited variety of experiences on offer when you travel overseas. Exploring historic sites like Stonehenge in England or the Roman Colosseum, soaking up the sunshine on a beach in the Maldives, hiking to Everest Base Camp, or simply hunting down the best croissant in Paris!

But whether you're travelling on a shoestring budget with only a backpack and a vague itinerary in mind, or have thoroughly researched and booked a resort holiday or luxury cruise, you can never guarantee that everything will go exactly as planned.

Fast Cover has overseas travel insurance policies to suit all traveller types and budgets.

Who should get overseas travel insurance?

As exciting as an overseas holiday can be, there are always some risks involved no matter how carefully you travel.

Every traveller should consider purchasing overseas travel insurance before they head overseas.

Whether you are flying solo, or travelling with your spouse, partner, family or friends, travel insurance is essential for:

Backpackers
Flashpackers
Business travellers
Volunteers
Students
Seniors
Digital nomads
Volunteers
Holiday workers
Tour groups
Frequent travellers
IEC Program participants

No matter how tight your budget may be, Fast Cover can help you out with a flexible policy that covers the things that are most important to you.

What does overseas travel insurance cover?

Fast Cover’s overseas travel insurance policies include a range of benefits such as cover for emergency medical and hospital expenses, cancellation costs and luggage and personal belongings.

If you get sick after a questionable meal, slip over and break a bone, have your bag snatched, or find yourself stranded at a foreign airport after your flight is cancelled, travel insurance can help to cover the unexpected costs involved and provide access to 24 hour Emergency Assistance to help you get back on your way.

Some of the most common expenses you might run into overseas include:

Emergency medical and hospital expenses
Emergency evacuation and transport costs
Loss, damage or theft of passports, credit cards and travel documents
Loss, damage or theft of luggage and belongings
Special event travel expenses due to delays or missed connections
Unexpectedly having to cancel your trip and return home

Fast Cover’s overseas travel insurance is a simple way to protect yourself from unexpected costs like these during your travels. See the table below for more benefits:

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.

How do I choose my travel destination?

You should enter the country or countries that you're planning on visiting. You can also 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 premium.

Select a Region if you're going to be visiting many different countries, or haven't finalised your itinerary.

See the table below to find the 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 overseas travel insurance?

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

Whether you're on a solo backpacking expedition to discover new cultures, or celebrating a milestone birthday with a luxury European cruise, or taking the family to Disneyland, we have an overseas travel insurance policy to suit all ages, traveller types and budgets.

Our policies are designed to be flexible so that you can tailor the benefits to cover what's most important to you without blowing your travel budget.

We've made travel insurance fast and simple with no medical assessments, and cover for 43 Pre-Existing Medical Conditions.

With a Fast Cover overseas travel insurance policy, you can explore the world with confidence knowing you have cover for unexpected costs as well as access to our emergency assistance team 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^~

Missed Connections in Venice

Judith was on her way to Europe via a stopover in Dubai when a delayed flight meant she missed her prepaid train connection in Venice. Stranded until the following day, she called the Fast Cover Emergency Assistance team who helped to arrange accommodation nearby so she could catch the same train and get back on her journey. Her Comprehensive policy covered her additional accommodation and meal expenses as well as the taxi fares to and from the station.

Carl's Cancellation Costs

Carl and his wife had planned and pre-paid for a trip to attend a 100-year birthday celebration and family reunion, followed by a homeward cruise from Southampton. Unfortunately, a few months before their departure, an unexpected medical diagnosis meant they were forced to cancel their holiday. Thankfully they had purchased travel insurance well in advance and were completely covered for their cancellation costs and lost deposits. After submitting a claim online and providing all the required documentation, they received a payment of over $10,000 AUD within the week.

Traveller Testimonials

Impressed

The insurance was easy to purchase online while easily able to compare different policies which were also reasonably priced. In addition, there were options of the excess you wish to pay should you need to make a claim. I was pleasantly surprised and impressed. I will purchase with them again for sure.

Aimee – Productreview.com.au

Very Efficient and Consumer Friendly

Everything about this Travel Insurance is excellent. It had a very efficient and fast on-line application system which produced the policy, approved it and sent me a copy. I had to make a claim as one of my bags got damaged during the journey. The claim procedure was very efficient and very prompt. It was approved and the funds deposited into my bank account within a few days. I would recommend this policy to any and all travellers.

David – Productreview.com.au

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

^~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.