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Standard Saver Cover Travel Insurance

Fast Cover’s Standard Saver travel insurance is designed to tick the essential boxes for emergency medical and hospital expenses, with a few other handy benefits to help protect you against unexpected costs including cancellation, disruptions to your trip or lost luggage.

Whether you're going on the World's Greatest road trip across America, relaxing on a luxury cruise to Alaska, soaking up the sunshine in the Maldives, or maybe spending a couple of weeks immersing yourself in the culture of Thailand, there are always a few risks involved when you travel.

Accidents do happen, so you should consider travel insurance as an essential part of your holiday preparation.

With Standard Saver travel insurance in place, you'll have great value cover and support, without blowing the budget.

Who should get Standard Saver travel insurance?

It's designed for travellers who want to make sure that they have a good variety of benefits without blowing the budget, and is ideal for many traveller types, including:

Single travellers
Couples (spouse, de facto, partner, same sex)
Groups of family or friends
Students on exchange or taking a Gap Year break from study
Volunteers going overseas
Business travellers
Backpackers
Working holiday travellers

No matter where you're headed, our Standard Saver travel insurance will give you the confidence of knowing you have a great level of cover for the things that are most important to you.

What are the benefits of Standard Saver travel insurance?

A Standard Saver travel insurance policy gives you the confidence of knowing that your health and personal belongings are protected when you travel.

Some of the benefits of Standard Saver travel insurance include:

Emergency medical and hospital expenses
Emergency medical evacuation and repatriation
Emergency dental expenses
Unexpected trip cancellation costs
Alternative accommodation and transport expenses
Loss or theft of luggage and personal belongings
Lost, damaged or stolen passports and credit cards
Personal liability insurance

With this cover, you can travel with the knowledge that you also have 24 hour support from our Emergency Assistance team if an emergency occurs.

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.

Optional extras for Standard Saver insurance

Wherever or however you plan to travel, Fast Cover's travel insurance policies are designed to be both affordable and flexible.

The Standard Saver policy allows you to customise your level of cover with the following options:

Adventure Pack:

Our policies cover a huge list of different activities including snorkelling, kayaking and bungee jumping. If you're keen to participate in more adventurous activities, add on our Adventure Pack and you’ll be all set to throw yourself out of a plane tandem skydiving, conquer the dunes on a quad biking tour, or fly through the jungle on a zip line.

Motorcycle Pack:

Planning on seeing the sights on a motorcycle, moped or scooter? Add the Motorcycle Pack to your policy, grab that map, and enjoy!

Rental Vehicle Excess Insurance:

If you plan to hire a rental vehicle or campervan, you can also add cover for the Rental Vehicle Excess. You can select from either $5,000 or $8,000 AUD worth of cover for overseas vehicle hire. Up to $5,000 worth of cover is automatically included in our Domestic Plus policy if you're hiring a car in Australia.

Bicycle Pack:

Want to ride the Giro d'Italia or Tour de France routes on your own trusty bicycle? Buy a Bicycle Pack add-on to protect your bicycle and equipment just in case they’re unexpectedly damaged, lost or stolen.

Why choose Fast Cover Standard Saver travel insurance for your next holiday?

Fast Cover’s Standard Saver is designed to be simple and flexible to provide cover for you in case of unexpected expenses or emergencies when you travel.

We've made buying travel insurance faster and easier than ever by including cover for 43 Pre-Existing Medical Conditions, so there's no need to fill out a medical assessment.

A Fast Cover travel insurance policy also connects you with an experienced and professional Emergency Assistance team.

You can head overseas with confidence knowing you’re not alone if something unexpected does happen during your travels. No matter where in the world you travel, expert help is available 24 hours a day, 7 days a week, 365 days a year.

Compare our Standard Travel Insurance policy to other travel insurance providers and you’ll find we provide a competitive price for cover which protects what matters to you most when you travel.

Get a free quote within a few minutes online or talk to us today to help you tailor a policy for your next overseas holiday.

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^~

Annette's Accident

Annette, a 32-year-old traveller from South Australia, broke two bones in her leg and dislocated her ankle slipping on the hotel bathroom floor. She was rushed to hospital in an ambulance for surgery and spent eight days recovering in hospital. Her Standard policy covered the cost of her medical transport, hospital and medical expenses as well as the flight back to Australia in Business Class.

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

Such a good insurance company

After having insured with Fast Cover many times I find the policy is of excellent value, and so easy to set up online. I have recommended this company to many of my friends as I am extremely satisfied with how friendly and helpful they are.

Mim – Productreview.com.au

Helpful service

The policy was very well priced and options were available so I could tailor what I purchased to my needs. I set it up online, paid and had confirmation and printable paperwork in less than 15 minutes. On the occasion I needed to make a claim, this was dealt with quickly and satisfactorily by helpful telephone assistants. I continue to buy my travel insurance from Fast Cover.

Sandy – Productreview.com.au

Great cover

We had fast Cover insurance for our recent trip to the USA and Canada. Our luggage did not fare well with US security. The Fast Cover claim was easy to complete and submit. The claim was dealt with promptly and efficiently with no fuss which was great after the damage done. We would use this company again.

James – 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.