Travel Alert: Japanese Earthquake Japanese Earthquake
Save 10% with duo cover. T&Cs apply.++
Save 10% with duo cover. T&Cs apply.++
Make a Claim Policy Login
1300 409 322
1300 409 322
†

Get a travel insurance quote in minutes

 

Multi award-winning cover †

Recognised for value

Rated by thousands †

on Product Review & Google

Aussie owned & operated

Feel the support of a local team

Good words travel fast

See what our travellers have to say about Fast Cover Travel Insurance.

Tailored travel insurance for every trip

Choose the travel insurance that fits your destination trip type and plans.

International

Cover for overseas trips to New Zealand, the Pacific, Asia, Europe and worldwide regions. ^

Domestic

Cover for trips around Australia, including road trips, flights and cruises. ^

Already overseas

Forgot to buy travel insurance? This policy is made for travellers who are already overseas. ^

Annual multi-trip

One policy for multiple trips within a year, up to a specified trip length with automatic cruise cover. ^

Why buy online travel insurance with Fast Cover?

Buying online travel insurance should be easy. Fast Cover keeps it simple, from a fast online travel insurance quote to an easy claims process.

Australian-based customer service

24/7 emergency assistance

25 day money-back guarantee#

Fast & simple claims process

Aussie-based call centre badge

We're Australian owned and operated

Fast Cover is an Australian-owned and operated travel insurance company. Whether you’re speaking with a sales specialist, or a member of our claims team, you’ll be supported by someone based in Australia.

Australian owned and operated badge

What is travel insurance?

Travel insurance can help cover costs from unexpected events before or during your trip. Fast Cover Travel Insurance is designed to provide cover for unexpected situations that may arise before you leave, or while you're away, with Aussie-based support ready if you need it. ^

What it covers

Our travel insurance can provide cover for essentials like overseas medical emergencies, trip cancellations, delays, or lost luggage and more.

Learn more

Optional extras

Add the extras that suit how you travel, whether it's adventure sports, a cruise or cover for high-value items. Just pick what matters and skip what doesn't.

Learn more

Compare benefits

Not all travel insurance is the same. Compare your options side by side to find the cover that fits your trip, budget and travel style best.

Learn more

What does travel insurance cover?

Fast Cover’s travel insurance policies offer a range of benefits.

Trip cancellation expenses

Cover for pre-paid, non-refundable costs if you need to cancel your trip. ^

Learn more

Luggage and personal effects

Protection for your belongings if they’re lost, stolen, or accidentally damaged. ^

Learn more

Travel delay expenses

Extra accommodation and meal costs may be covered if your trip is delayed. ^

Learn more

Trip disruption expenses

Support for additional transport or accommodation when your trip is disrupted. ^

Learn more

Overseas 24/7 emergency medical assistance

Access to 24/7 emergency help from our Aussie-based emergency team. ^

Learn more

Overseas emergency medical and hospital expense

Cover for the costs of overseas emergency medical and hospitals expenses. ^

Learn more

Overseas emergency medical evacuation and repatriation

Help getting you to the nearest hospital or back to Australia for emergency medical treatment. ^

Learn more

Covid-19 benefits

Cover for Covid-19-related expenses and disruptions. ^

Learn more

This is only a summary of some benefits available. Not all benefits apply to all policies, so always review the PDS and TMD before deciding to buy.

Optional extras for your travel insurance

Customise your travel insurance with optional add-ons for extra cover on your trip.

cruise ship sailing on ocean

Cruise cover

Protection whilst on board your cruise ship. ^

person skiing in the snow

Snow sports

Cover for snow sports like skiing or snowboarding on your overseas trip. ^

two women tandem skydiving

Adventure pack

Extra protection for selected adventure activities. ^

man wearing orange helmet riding yellow scooter

Motorcycle pack

Cover for being a rider or passenger on a motorcycle, moped or scooter overseas. ^

blue van parked near the ocean

Rental vehicle excess

Helps cover your rental car insurance excess costs. ^

male traveller in suit typing on laptop

Specified high value items

Extra cover for specified high value items listed on your policy. ^

Ready for your next trip?

Get a travel insurance quote for your travel destination and compare the benefits for your next holiday.

Travel insurance options

We offer travel insurance options for every budget. Please check PDS for all details what each type of insurance covers.

Basics (Medical-Only)

A simple option focused on overseas medical cover, with the ability to add limited extras like luggage cover.

Standard Saver

A mid-level option offering many similar benefits to our Comprehensive policy, generally with lower limits.

Comprehensive

Our highest level of cover for a wide range of unexpected situations that may arise during your trip overseas. 

Compare travel insurance policies


The best travel insurance in Australia depends on your trip and your needs. No single travel insurance company suits everyone. You may want to consider using our guide to compare the best travel insurance options. Compare our travel insurance below. ^

Kanika Puri Fast Cover COO
Kanika Puri
Chief Operating Officer – Fast Cover Travel Insurance

 

Expert Tip: Because no two policies are exactly alike, it’s essential to take the time to compare options, read the PDS and TMD carefully, and ensure the cover aligns with your travel plans, risk tolerance, and personal and financial circumstances.

The table below is only a summary of benefits. Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website. Benefit limits shown apply per person for both Singles and Duo policies. # These benefit limits are shared between Duo policy holders. ~ These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately. ^ Cover under these benefits are excluded while travelling within Australia. If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.


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 back to Australia (per person)

 $20,000 $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

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
up to $2,000		 $7,500 $5,000 $15,000 $15,000 $15,000

Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (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
up to $8,000		 Optional
up to $8,000		 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 back to Australia (per person)

 $20,000 ––– $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

COVID-19 Trip Cancellation & Disruption

––– $3,500 $3,000 $5,000 $5,000 $5,000

Travel insurance designed for all kinds of Aussies

Whether you're travelling alone, with company, or as a student, we provide travel insurance for all types of travellers.

woman holding camera smiling

Solo travellers
couples embracing on pedestrian bridge viewing marina

Duos and couples
parents withs backpacks enjoying view of mountain with child

Families
senior couple hugging and smiling

Seniors
woman with backpack surrounded by greenery

Backpackers
friends laughing together at the beach

Students
woman and holding ultrasound image

Pregnant travellers
crowd at Disney in the USA

Working holiday makers
person sightseeing in downtown Toronto Canada

IEC travellers

Chosen by over 1 million travellers

4.6
From over 2,567 reviews†
Image
4.6
From over 2,453 reviews°
Image
Illustration of plane flying out of clouds

Award-winning travel insurance

We aim to provide travel insurance which strives to be the best suited and recognised for value and service. 

See more of our travel insurance awards.

Product Review Awards
Winner Travel Insurance Award

2022, 2023, 2024 & 2025 ProductReview.com.au Travel Insurance Award†

Canstar Awards
Winner Outstanding Value

2024 & 2025 Canstar Outstanding Value Award for Seniors Travel Insurance†

Finder Awards
Value for Money

2024 Finder Customer Service Satisfaction Awards†

Where to next?

Take travel insurance on your next trip

viewpoint of Padar Island in Komodo National Park Indonesia

Indonesia
limestone cliffs in Phi Phi Islands in Thailand

Thailand
boats in Ha Long Bay in Vietnam

Vietnam
lantern streetlights in Japan

Japan
St. Mark's Basilica in Venice Italy

Europe
Skyline of Empire State Building in Manhattan New York City

USA

Got a question?

Travel hub

Discover travel resources, advice and tips for your next holiday.

Mount Rinjani volcanic eruption in Bali Indonesia

Travel alerts

Stay up to date with the latest travel alerts at home and overseas with Fast Cover news and updates. ~

airplane flying above palm trees

Travel guides

We’ve created travel guides for many destinations to help you learn about local safety, health tips, laws and customs, what to pack, transport options, contact details, and seasonal activities before you go. ~

women packing luggage into the boot of a car

Travel tips and trends

Whether it’s packing smarter, avoiding common travel scams, or choosing a safe destination, Fast Cover’s travel tips and trends help you plan and prepare for your next trip. ~

Always remember to do your own research for most up to date and accurate information without relying on the information as the information provided is general only and does not account for your personal circumstances.

How can we help, mate?

Fast Cover’s Aussie-based Emergency Assistance team are available to provide support when you need it most. ^

Overseas 24/7 emergency assistance

Emergency Assistance Team:

+61 2 8320 7999

Emergency Consular Services

Travel alerts and advisories

Fast Cover Travel Alerts

Official Smartraveller Government Website

Travel Advisories Explained

Customer service

Customer Service:

+61 2 8215 7239

9am-5pm AEST Monday - Saturday

Manage your policy

Login to Update Policy Details

Find a Policy Document

Make a Claim Online

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.

~ 25 day money back guarantee ends 25 days after the policy purchase date or on the Departure Date of your trip, whichever comes first. No refund is available if you have submitted a claim or intend to make claim under the policy or used your policy to obtain a visa. See the Product Disclosure Statement for more details.

^ Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply to all policies. See below for full T&Cs.

† Fast Cover has a referral arrangement with this company. Ratings and awards are only one factor to be considered when deciding whether this product is right for you. Ratings are accurate as at 07/01/26. Check Product Review for current ratings.

° Ratings are only one factor to be considered when deciding whether this product is right for you. Ratings are accurate as at 07/01/26. Check Google for current ratings.

# If you change your mind within 25 days of purchasing your policy, you can cancel it for a full refund if you haven’t started your trip, haven’t made or intend to make a claim, used any of your rights under your policy, or used your policy to obtain a visa. After this period, partial refunds may apply as outlined in the PDS.

~ These are only some of the resources. Please always do your own research to find out more information specific to your needs and situation and to ensure information provided here is correct and current.