48 Hour Price Guarantee
The price on your quote is 'Locked In' for 48 hours.
sub-limits:
25 Day Money Back Guarantee
Buy with confidence! Get a full refund if you cancel for any reason within 25 days from when you buy a policy and you have not started your trip, made a claim or used your policy to obtain a visa.
Instant Cancellation Cover
As soon as you buy a policy with a cancellation benefit, your cancellation cover is activated immediately. COVID-19 Benefits have a 72 hour no cover period.
How to buy Fast Cover travel insurance
Travel insurance doesn’t have to be time-consuming. Apply now to get the right policy for your trip in 3 simple steps.
Get a quote
Enter your trip details with our easy-to-use online quote tool and get a quote in 60 seconds.
Customise your policy
Choose your excess and customise your policy with handy add-ons for your trip.
Enter your personal details
Add your personal details and with fast online payment options, you’re on your way!
What travellers say about Fast Cover
Travel insurance benefits
Medical Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Overseas 24/7 Emergency Medical Assistance^ |
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.
Our claims process
The unexpected can happen and in an emergency situation, wherever you are in the world, our Emergency Assistance Team is here waiting 24/7 to help you when you need us most.
Our claims team is here to help make the claims process as simple and fast as possible. We have a simple online claims portal that guides you through the process including the required documentation for claims.
How Fast Cover compares
Below are a few important features about Fast Cover and its policies which you may want to consider if you are comparing travel insurance companies and policies before deciding on the right policy for you and your trip.
| Features | Why choose Fast Cover |
| Quote price guarantee | 48 hours |
| Cooling off period |
25 days Get a full refund if you cancel for any reason within 25 days from when you buy your policy and you haven't:
|
| Refund policy outside cooling off period |
(/) 60%-70% refund (depending on your policy type). Fast Cover does not charge an administration fee. (x) No refunds if you have:
|
| Customer Service |
(/) Phone (/) Chat |
| Emergency Assistance |
(/) 24/7 phone (/) 24/7 email |
| Product Reviews | 4.6 Stars from 1,719 reviews |
| Google Reviews | 4.3 Stars from 303 reviews |
| ProductReview.com.au Travel Insurance Awards | (/) WINNER Travel Insurance Award 2023
(/) WINNER Travel Insurance Award 2022 |
| Other Recent Awards |
(/) WINNER Best Travel Innovation 2022 Finder Travel Innovation Awards |
| As seen on |
(/) Compare the Market (/) iSelect (/) Finder (/) Compare Travel Insurance (/) Canstar (/) Mozo (/) Savvy |
Feature information based on Fast Covers PDS effective 15 August 2022 and website research conducted by Fast Cover on 6 April 2023. Ratings provided are current as at 6 April 2023. The features compared in this table are a summary of features only. Features and benefits differ between travel insurance products. Therefore, you should perform your own research and consider Financial Services Guide, Product Disclosure Statement and Target Market Determination which are available on travel insurance providers websites, before deciding whether this product is right for you.
Multi-award winning travel insurance company!
Fast Cover is simplifying travel insurance, making it faster and simpler to buy a policy so you can get back to focusing on planning your trip.
Product Review Awards
2022 & 2023 Winner Travel Insurance Award
WeMoney Awards 2022
Winner Insurer of the Year
Winner Travel Insurer of the Year
Winner Best for Value (Travel Insurance)
Runner-up Best for Quality (Travel Insurance)
Finder Innovation Awards 2022
Winner Best Travel Innovation
FAQ's
Whether you need insurance is a decision for yourself and should certainly be considered for anyone who cannot predict the future. It is designed to provide cover for unexpected and unforeseen circumstances such as stolen luggage or medical emergencies which you have no way of knowing if they will or won't happen.
For more information, refer to our Product Disclosure Statement (PDS).
Travel insurance is designed to cover you for unexpected events. Generally speaking, anything that has already happened prior to policy purchase (e.g. an already erupting Bali volcano causes flights to be cancelled) or is likely to happen (e.g. going to hospital for an existing medical condition not listed as covered on your policy) are things you cannot claim.
We do note that every traveller's situation is different. In the event of a claim, our friendly claims team will assess each situation on a case by case basis.
Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).
The best travel insurance policy is one which is able to cover you for the things that you want to be covered for, and may include cover for example, unexpected medical and hospital expenses, cancellation cover in case you're not able to go on your trip, cover for your luggage in case they're lost or stolen and also cover for travel delays.
Being able to customise your policy to the type of seniors holiday you're taking is also an important consideration when looking for the best travel insurance policy for your trip. That way, you're not paying for things that you don't want cover for!
For more information, refer to our Product Disclosure Statement (PDS).
You can buy your Travel Insurance up to 12 months before your Departure Date.
Note:- For the Comprehensive, Standard Saver, Domestic Plus and Snow Sports Plus policies; the Trip Cancellation Expenses benefit for cancellation fees and lost deposits starts instantly when your policy is issued. It can be best to buy your policy as early as possible to cover you for Trip Cancellation Expenses should the unexpected occur before you start your trip.
- For the Frequent Traveller Saver policy, the Trip Cancellation Expenses benefit for cancellation fees and lost deposits starts on the date that you specify on your policy.
For more information, refer to our Product Disclosure Statement (PDS).
The value of insurance can certainly be worth it when you consider the cost is relatively small compared to the cost of your total holiday. Costs can easily be $100 000 AUD or more for an unexpected overseas hospital visit. These costs can easily escalate with extended hospital stays and when a medivac is required to bring you back to Australia. You can also travel with the knowledge that you have 24 hour support from the Emergency Assistance team if an emergency occurs.
For more information, refer to our Product Disclosure Statement (PDS).
Things you need to know
^ Price as at 27/10/2024 compared to the price calculated today for this policy.
* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.