Solo Travel Insurance | Get a Fast Quote

Travel insurance for solo travellers

Travelling solo gives you more freedom and flexibility to travel wherever and whenever you want, but it also means you may not have someone to help you in an emergency situation.

That’s where Fast Cover’s single travel insurance has your back!

Perhaps your dream trip involves backpacking through Europe, working or volunteering in Southeast Asia, a working holiday in Canada, or island hopping in the Caribbean or Pacific Islands.

Solo travel insurance is designed to protect your prepaid travel arrangements, as well as help cover unexpected costs in emergencies such as medical and hospital expenses, replacing lost or stolen belongings, or making alternative travel arrangements to reach a special event if your flights are cancelled or delayed.

If you're flying solo, Fast Cover has travel insurance policies to suit a range of single traveller types and budgets.

Who should get Solo travel insurance?

Anyone planning to travel as an individual for the duration of their trip can get Solo travel insurance, including:

Backpackers
Students
Volunteers
Snowboarders and skiiers
Digital nomads
Seniors
Working holidaymakers
Business travellers
Multi-trip travellers

Fast Cover’s Solo travel insurance is simple and flexible. If you're aged 89 or younger, you can buy Solo travel insurance wherever you’re travelling and whether your plan is to have an adventure holiday, a relaxing getaway, or to work while you travel.

The benefits of Solo travel insurance

Solo Travel Insurance is designed to be flexible so that you can build a policy that covers your needs.

Check out the benefits tables below to compare the levels of cover available:

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.

Some of the benefits of Fast Cover travel insurance include:

Emergency Medical and Hospital Cover:

Our international policies offer 24 hour Emergency Medical Assistance as well as cover for Emergency Medical and Hospital Expenses for the duration of your trip.

Trip Cancellation Cover:

We also provide cover for flight cancellations and can cover the cost of alternative transport if you’re stuck somewhere.

Cover for Pre-Existing Medical Conditions:

We cover 43 Pre-Existing Medical Conditions in our Solo travel insurance policies, eliminating the need to fill out a medical assessment!

See our Pre-Existing Medical Conditions page for more details on what conditions we can cover.

Cover for activities:

We cover a huge list of different sports and activities like snorkelling, bungee jumping and even shark cage diving!

Optional extra cover:

If you're feeling extra adventurous, our optional Adventure Pack add-on provides cover for even more adventure sports and activities such as quad bike riding, skydiving and zip lining.

Thinking of riding a motorcycle, moped or scooter overseas? Add our optional Motorcycle Pack add-on to your policy, to cover you in case of accidents or injuries.

If you're planning to go skiing, snowboarding or try other snow sports on your holiday, we have a Snow Sport Plus policy to cover those too. It includes cover for your snow equipment, piste closure, and can reimburse the unused portion of your ski package if you can’t use it due to sickness or an injury.

Need extra cover for your Solo trip?

We've made our policies flexible by allowing you to customise your policy with a number of additional options.

Motorcycle Pack:

Add our Motorcycle Pack add-on to your policy to cover yourself for injuries or accidents when riding a scooter, moped or motorcycle overseas (with appropriate licences).

Rental Vehicle Excess Insurance:

If you're hiring a car or campervan on your trip, you can add cover for the Rental Vehicle Excess to our Standard Saver, Comprehensive, Frequent Traveller Saver and Snow Sports Plus policies. You can select either $5,000 worth of cover or $8,000 for an additional premium.

Increased cover for High Value Items:

If you’re planning on taking some valuable items, you can purchase additional cover per valuable item (up to 3 items) by paying an additional premium. Specifying items also means the item's value is 'locked in' so there's no deduction for depreciation on these items if you need to make a claim.

Adventure Pack:

We cover a huge list of sports and activities for our travellers including bungee jumping, elephant riding, kayaking and trekking. However, for adrenaline junkies, you can also add on our Adventure Pack to do more heart-racing activities such as abseiling, skydiving, or caving.

Bicycle Pack:

If you’re a keen cyclist and want to take your own bike on your travels, you can get additional cover for your equipment in case it gets permanently lost, stolen or damaged.

Why choose Fast Cover for your next solo holiday?

Fast Cover provides specialist travel insurance for solo travellers that's fast and simple.

You can head off on your solo adventures with confidence knowing you’re not alone if something unexpected does happen during your travels.

Solo travellers have access to our 24 hour Emergency Assistance team from anywhere in the world. If you experience an emergency or need help or advice, you’re only ever a phone call away from prompt, personal and professional assistance.

Compare our travel insurance to other policies and you’ll find that we provide great cover at a price that’s hard to beat.

It's travel insurance made simple and affordable!

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^~

Ben's Busted Lens

32-year-old Ben was hiking in New Zealand when a strong gust of wind broke his camera strap and knocked over the tripod, causing damage to the equipment. After providing proof of ownership with his claim, he was reimbursed for over $1,100 AUD under the luggage and personal effects of his Fast Cover travel insurance policy.

Sophie's Stairway Slip

47-year-old Sophie from Adelaide was on a retreat in Bali when she fell down a flight of stairs in the dark. As well as some nasty cuts and bruises and a mild concussion, an x-ray at the local hospital revealed she had also sustained a fracture in her foot. The Fast Cover emergency assistance team managed Sophie's case, liaised with hospital staff to cover her medical expenses and organised her return home to Australia. Sophie's policy cost less than $50 and covered the total of her medical treatment and repatriation at over $23,000 AUD.

Traveller Testimonials

Fast, easy and great service.

I took out a policy in October for a trip to Italy and the process couldn't have been easier. I spoke to the guys on the phone and asked them a few questions and they were very knowledgeable and professional. The site was easy to use and I managed to get a policy within a couple mins online.

Francis – Productreview.com.au

Hassle free insurance

Had a damaged suitcase which was only a few months old. Fast payment following lodgement of the claim. Would have no hesitation in recommending them.

Kim – Productreview.com.au

Terrific cover

The policy was great value and really easy to set up, no hassles. Claiming for medical expenses after an altercation with a bus was dealt with quickly and easily, being able to submit online

Chris – 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.