From interstate meetings and overseas conferences to visits between client sites, Fast Cover's travel insurance helps protect business travellers against the unexpected, wherever business takes you.^
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Our travel insurance can provide cover for essentials like overseas medical emergencies, trip cancellation expenses, lost luggage and more.
Add the extras that suit how you travel, whether it's adventure sports, a cruise or cover for high-value items. Customise your cover to fit your trip.
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.
Every traveller’s needs are different, so read the PDS to find the right policy for you. Any advice is general advice only and doesn't consider your personal and financial circumstances.
Updated 11 July 2026
This is only a summary of some things to know about our cover for business trips, so always read the PDS before deciding to buy.
Fast Cover offers a range of travel insurance policies designed to help business travellers manage unexpected situations while travelling for work overseas or within Australia. With cover available across a variety of benefits, the right policy can help you deal with unexpected events whether you're travelling to a conference in the USA, visiting a manufacturer in China or visiting a client interstate in Australia.
This is only a summary of some benefits available. Not all benefits apply to all policies, so always review the PDS before deciding to buy.
Please note that Fast Cover does not guarantee or determine if your travel insurance policy meets the health insurance requirements for international visas such as business visas or work visas. As visa and entry requirements may change over time, it is your responsibility to verify whether the medical coverage on your chosen travel insurance policy provides the cover required for your visa and destination.
Business travellers often take personal laptops, phones, tablets or cameras on business trips. Cover may be available for the loss, theft or accidental damage of your personally owned (not company owned) luggage and personal effects including laptops, smartphones, tablets, cameras and even your glasses in situations covered under your policy. ^
Please note this benefit is an optional cover under the Basics policy. Cover is not available for items owned by your employer. Limits and sub-limits apply to how much you can claim for each item. Conditions including situations in which we would provide cover apply. ^
Business travellers often combine work with leisure so a cancelled trip can also be costly for travellers who have already paid for parts of the trip themselves. If you become unexpectedly sick or injured after purchasing your policy and need to cancel before your trip begins, Fast Cover’s Trip Cancellation Expenses benefit may reimburse the non-refundable, pre-paid costs you’ve already paid, such as flights, accommodation, and tours, in the circumstances outlined in your policy. ^
At Fast Cover, you can buy travel insurance for your trip up to 12 months prior to your departure date, so you can lock in cancellation cover early. This benefit is not available with our Basics policy and is only available with our Standard Saver, Comprehensive, Domestic Plus, Snow Sports Plus and Frequent Traveller Saver policies. Please note on a Frequent Traveller Saver policy, your cancellation benefit will begin from the start date you select, not the date you purchase the policy. ^
Stuck at the airport on the way to your meeting or conference? If your pre-booked carrier is cancelled or delayed in situations covered under your policy, Fast Cover's Travel Delay Expenses benefit is available to reimburse you for reasonable additional meal and accommodation costs. ^
This benefit can provide cover of up to $200 for each traveller (excluding dependants) if your scheduled transport is delayed for at least 6 hours from the time your transport was scheduled to depart, due to circumstances outside your control. For each subsequent full 24-hour period beyond the initial 6 hour delay until your rescheduled departure time, this benefit allows for an additional $200. ^
Sometimes, unexpected events that occur after your trip has begun can disrupt your travel plans. If your scheduled or connecting transport is cancelled, delayed, shortened or diverted due to reasons covered under your policy and are outside of your control, our Trip Disruption Expenses benefit is available to provide cover for reasonable additional travel, accommodation and meal expenses that you incur whilst you are still on your trip, which you cannot recover from any other source. ^
Medical care overseas can be costly in some countries, especially for business travellers who rely on their work to support their travel. Fast Cover's international travel insurance policies may be able to provide cover for overseas emergency medical and hospital expenses if you become unexpectedly ill or injured while on your trip. ^
All of Fast Cover's international policies include unlimited cover for overseas emergency medical and hospital expenses, which is designed to help with the financial impact of unexpected illness or injury while you're travelling between work overseas. ^
Getting sick or injured overseas on a business trip can be stressful, particularly when you're away from home for an extended period. Fast Cover's Australian-based Emergency Assistance team is available 24 hours a day, 7 days a week to help travellers when they need it most. ^
Depending on your situation, our Emergency Medical Assistance team may be able to assist you during unexpected medical emergencies overseas by:
Travellers covered under the policy can contact our Emergency Assistance team directly any time they need urgent help overseas. ^
If you experience a serious medical emergency while on your overseas trip, you might need to be transported to the nearest hospital for emergency medical treatment or even be repatriated back to Australia with appropriate medical supervision. Fast Cover may be able to help with these costs in circumstances covered under your policy. ^
Fast Cover's international travel insurance policies may be available to provide cover for your reasonable additional accommodation and travel expenses, cost of medical transfer, evacuation or repatriation when these services are approved under your policy. All medical evacuations and repatriations must be arranged and approved by Fast Cover before they take place. ^
Conferences are a common part of business travel. If your scheduled transport is cancelled, delayed, shortened or diverted during your trip and that means you would not arrive on time your special event, Fast Cover may provide cover for the reasonable additional travel expenses to help you to get to your special event on time whether it’s a business conference or a tour package for the leisure portion of your trip, so you don’t miss the moments that matter. ^
If your scheduled transport is cancelled, delayed, shortened or diverted, our travel insurance may be able to provide cover of up to $5,000 for you to book an alternative flight or other transport to help you make it to your special event on time. ^
Special events include a pre-booked, pre-paid and pre-arranged:
No two business trips are the same, and the cover on your travel insurance should reflect that. Whether you're planning an adventure activity after your client meetings, hiring a car to explore your destination, or participating in snow sports between conferences, Fast Cover's optional add-ons allow you to customise your policy so you can include cover that suits how you actually travel. ^
Heading overseas on business often means travelling with items that matter, like your personal laptop, your phone to stay connected with family back home, or a camera to document your trip. If you'd like to cover your valuable items for more than what's included under the standard luggage and personal effects limits and sub-limits, you can choose to specify them as a specified high value item for an additional premium. ^
Below are some examples of items you may be able to specify as high value items. They will be specifically listed on your certificate of insurance to confirm cover.
For more details visit our page on travel insurance for luggage and personal effects and read our PDS on terms and conditions of cover for luggage and personal effects.
It’s common for business travellers to add adventure activities to their work trips. Fast Cover's Adventure Pack gives you the option to include cover for a list of adventure activities to help you make the most of your time overseas. ^
Examples of some activities that require the Adventure Pack include:
Conditions apply for activities under our Adventure Pack so make sure to read the PDS for full T&Cs.
The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus or Frequent Traveller Saver policy. ^
For more details, visit our page on travel insurance for adventure activities.
Exploring a destination on two wheels offers business travellers a unique and thrilling way to experience new locations at their own pace.
Fast Cover’s Motorcycle Pack is an optional extra that you can add to your travel insurance policy that may provide cover to you for being the rider or passenger on a:
The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 years and under at the date of policy issue when they purchase an international travel insurance policy. ^
For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.
Whether you’re hiring a car for a road trip or exploring local towns between business meetings, Fast Cover may be able to provide cover for your rental vehicle insurance excess. ^
If your rental vehicle is in an accident, damaged or stolen during your trip overseas, Fast Cover can, depending on the policy chosen, and on payment of additional premium provide reasonable additional cover of up to $8,000 for the rental vehicle excess component of your rental vehicle insurance with your car hire company overseas.^
The rental vehicle excess benefit applies to a:
rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms). ^
Our Domestic Plus policy automatically includes rental vehicle excess coverage of up to $5,000.^ For more details visit our page on rental vehicle excess cover and read our PDS for terms and conditions of cover for rental vehicle excess.
If you’re adding a cruise to your trip and wish to be covered while travelling on a cruise ship, you must specify cruise cover at the time of purchase based on your destination and length of your cruise trip:
By adding this option, your existing travel insurance benefits will extend to when you’re on a cruise. Adding cruise cover to your policy allows you to have cover both on board and on land, helping you stay covered throughout your entire trip. Please note that for domestic cruises within Australian waters, medical coverage is only available whilst you are on board the cruise ship, not while you are on land. ^
For more details, visit our page on travel insurance for cruises and read our PDS for terms and conditions of cover for travelling on cruise ships.
Is your business trip taking you to the snow? Unexpected events at the snow can snowball into costly expenses. If you’re planning to ski or snowboard overseas, answer yes to ‘Skiing and Snowboarding’ during your quote application. This gives you the option to purchase a “Snow Sports Plus Policy” which can provide cover for costs associated with ski and snow sports. ^
Below are some examples of things that may be covered in your snow sports benefits:
in conditions and circumstances covered under your policy and as per limits and sub limits set out in our PDS. ^
The Snow Sports Plus policy is available at an additional premium for Aussie travellers aged 69 and under at the date of policy issue, when they purchase an international travel insurance policy. ^
For more details visit our page on travel insurance for skiing and snowboarding and read our PDS for terms and conditions of cover for Snow Sports.
At Fast Cover, we have a range of cover options available for business travellers heading overseas and around Australia. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.
Comprehensive Travel Insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for a wide range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income. ^
The Standard Saver Travel Insurance policy provides mid-level cover, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel. ^
Our Basics Travel Insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000. ^
Planning a ski trip or heading to the slopes during your time abroad? Fast Cover's Snow Sports Plus policy is designed for travellers who want cover for snow sports activities as part of their overseas trip. It includes cover for a range of snow sports in addition to the standard travel insurance benefits available under the policy. ^
Planning a business trip within Australia? Our Domestic Plus policy includes cover for Trip Cancellation Expenses, Luggage and Personal Effects, Rental Vehicle Excess, cover for snow sports and more. Please note our Domestic Plus policy does not cover medical and hospital expenses incurred in Australia, as they are covered by Medicare or your private health insurance.
If you travel frequently, you can get a quote for a Frequent Traveller Saver Policy when you take out travel insurance. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. Please note, when travelling within Australia on a Frequent Traveller Saver policy, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. However, if you are travelling on a cruise within Australia, benefits including Overseas 24/7 Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, and Overseas Emergency Medical Evacuation and Repatriation may be available whilst on the cruise ship. ^
Whether you're visiting a factory in Bali, attending a conference in Vietnam or meeting clients in Europe, every business trip is different. Our travel insurance is designed to help a wide range of Australians stay covered while travelling on business trips, including:
Please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply. Remember to check the activity participation limitations and conditions.
Visa and entry requirements vary by destination, so it is your responsibility to confirm whether the medical cover included in your policy meets any applicable health insurance requirements for your visa.
Your employer may be paying for your accommodation and transport, but chances are it's up to you to make sure you're covered in case you become ill, your flights are delayed or your personal belongings get damaged, stolen or lost. Unexpected situations and factors outside of your control could change your travel plans and leave you with out of pocket expenses that your employer may not cover. Travel insurance for business trips can help better prepare you to deal with unforeseen situations that could impact your trip should the unexpected happen.
Here are some situations to consider when deciding if you need travel insurance for a business trip and whether a travel insurance policy can provide cover for these situations:
Becoming unexpectedly sick or injured before your trip could force you to cancel your business trip. Rescheduling a cancelled trip and dealing with lost deposits and non-refundable flights, accommodation and tours that you have paid for can become stressful and expensive. Consider if your travel insurance policy can provide cover for trip cancellation expenses.
Medical care overseas can be costly, and Australian Medicare does not cover you once you leave the country. Consider if your international travel insurance for business trips can provide cover if you get sick or injured during your trip and you incur overseas emergency medical and hospital expenses. Check if your travel insurance can provide cover for emergency evacuation and repatriation if you become seriously ill or injured during your trip overseas.
Business travellers often travel with personal items like laptops, phones, tablets or cameras. Replacing these items overseas can be costly. Check if your travel insurance can provide cover for your luggage and personal effects and if there are options to increase cover for specified high value items for an additional premium.
If you have a pre-existing medical condition that you wish to be covered for, it is important to declare it when you get a quote and complete our medical screening process to determine if your condition can be covered. Consider whether your travel insurance can provide cover for overseas medical expenses related to your existing medical condition, and whether you may need to complete a medical screening as part of the quote process.
These are only some of the situations that you might wish to consider when deciding if you need travel insurance for a business trip.
Before you decide whether you need travel insurance for your business trip, you should read the PDS to check what our travel insurance will and won't cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you're looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs.
The best travel insurance for business travellers can be considered as a policy that provides cover for the type of trip you're taking. When looking for the best travel insurance for business trips, it's important to choose a policy that aligns with your specific travel needs. This might include the activities you plan to do during your trip, how long you'll be away, what valuables you're bringing and other considerations that apply to you and your trip.
Here are some examples of things you may wish to consider when reviewing the best travel insurance for business trips that may also help you compare travel insurance policies to help you decide which option is right for you:
For business travellers, the best policy isn't necessarily the most expensive one; it's the policy that gives you the level of cover that matches the way you'll be travelling. If you're comparing options, look closely at what each policy includes, such as:
Understanding the benefits, limits and sub-limits can help you decide which policy is suitable for your trip.
Fast Cover offers a range of cover levels so you can choose an option that matches your plans and budget, whether you're going on a short trip for a client meeting or attending multiple conferences overseas. ^
Some business travellers may need to return to Australia temporarily during their trip, for family emergencies, personal reasons or an unexpected change in circumstances. When comparing policies, it's worth checking whether your travel insurance allows you to return home without voiding your cover if the reason for your visit home isn't a claimable event.
Fast Cover policies allow you to return home for reasons like attending a wedding, celebrating a birthday or feeling homesick, and then resume your trip as long as you still have at least 14 days left on your policy and you resume your trip within 6 months of return. Please note there will be no cover from the time you return home to the time you continue your trip.
Business travellers often travel beyond the client meeting and conference room. Many business travellers take part in adventurous activities such as hiking above 3,000 metres, outdoor rock climbing or quad biking, while others participate in snow sports like skiing or snowboarding, or riding a motorcycle during their time overseas.
When comparing travel insurance policies for your next business trip, check whether you can customise your cover to include the activities you plan to do.
Cover for adventure activities, riding a motorcycle or participating in snow sports may require an additional optional benefit to be added, may incur an additional premium and may have different age limits to standard terms. At Fast Cover, you can add on the Adventure Pack, Motorcycle Pack or upgrade your policy to a Snow Sports Plus policy to include cover for these additional activities. ^
When you're travelling and working overseas for an extended period, your health and safety are important considerations. Medical costs in many popular destinations can be expensive, and Australian Medicare does not cover medical expenses abroad. When comparing travel insurance options for business trips, consider if your policy provides 24/7 overseas emergency medical assistance. This can be particularly helpful if you become unexpectedly sick or injured and need help accessing emergency services overseas, finding a suitable hospital or organising approved medical evacuation or repatriation.
With Fast Cover's international travel insurance, you have access to our Australian-based Emergency Assistance team anytime, day or night, if an unexpected medical emergency occurs during your trip overseas. ^
Business trips vary greatly in length, from a three-day conference to a month of back to back client meetings abroad. Choosing travel insurance that covers the full length of your stay is important. When comparing policies, check how long your cover lasts and whether you can extend your policy mid-trip if your work plans change or if you decide to explore and backpack after your work is done.
Fast Cover travel insurance policies can provide cover for up to 24 months (when extended and approved), giving business travellers flexibility if they decide to stay longer or extend their time overseas. ^
Business travellers often take side trips to neighbouring countries or travel through other regions once their work is done. Choosing a policy that supports multi-country travel can make things easier. When comparing policies, check if their regional cover fits your itinerary and whether you can add more countries as you travel.
With Fast Cover travel insurance, you can choose cover by region instead of listing every individual country, suitable for multi-country trips, backpacking adventures, or cruises with multiple stops during your business travel. Fast Cover offers six region options that you can choose from: Worldwide, Europe, Asia, South Pacific, New Zealand and Domestic.
These are just some of the considerations that you might wish to consider when reviewing the best travel insurance for business trips, so you know what cover is available to you before and during your trip and under what conditions.
Before you decide on the best travel insurance for your business trip, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs.
It's important to know not just what your travel insurance covers, but also what it doesn't, so you can choose the right policy for your trip. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub-limits that you need to be aware of and consider before buying travel insurance.
Below are some examples of when cover may not be available. Always check the PDS and TMD to understand the policy terms, conditions, exclusions, limits and sub-limits before making your decision to buy.
If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, this may include riding a motorcycle without the required helmet or breaking traffic laws.
If you’re injured in an accident while, for example, riding a motorcycle, and you didn’t add the Motorcycle Pack to your travel insurance policy, you may be responsible for paying your medical and hospital expenses because you did not choose to include cover for that under your policy.
It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do overseas.
Your travel insurance will not cover personal liability claims that arise while you are conducting a business, profession, or trade. This means personal liability cover does not apply to claims arising from your business activities during your trip. Personal liability cover also does not apply to claims arising from activities covered under the Adventure Pack, even if you have purchased the Adventure Pack.
Cover is not available if your claim arises from a loss which is recoverable by compensation under any workers compensation or transport accident laws or by any government sponsored fund, plan, or medical benefit scheme, or any other similar type of legislation required to be effected by or under a law.
There is no cover if our claim arises from you acting unlawfully or breaking any government prohibition, laws or regulation including visa requirements. Your travel insurance policy may not provide cover if you do not comply with your travel destinations’ visa, electronic travel authorisation or other entry requirements. Visa and entry requirements for business travellers vary by destination and can change. Research the specific entry requirements for your destination before travelling, including any business visa conditions that apply to your type of work activity.
To help ensure you are prepared for your trip, you should research and understand the relevant entry conditions before you travel. For example, some destinations like Bali have tightened immigration rules for tourists doing unpaid work or collaborations. This change may affect digital nomads, freelancers and content creators so it’s important to do your own research to stay informed with evolving visa and entry requirements.
If your belongings are stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your wallet and laptop inside it at a cafe table while you are at the cafe counter ordering lunch, this may be considered leaving your belongings unattended, in which case you may not be covered.
Make sure you keep your belongings with you at all times or keep them in a secure location or take reasonable measures to secure them at all times and at all places.
There are exclusions that may apply for regular or routine check-ups or filling regular prescriptions as they are not considered medical emergencies. If you require regular medication, bring enough of what you’ll need for your trip overseas before you leave Australia.
Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase.
Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.
Known events are serious situations, from natural disasters like earthquakes and volcanic eruptions, to disease outbreaks, which can affect your holiday plans and also the cover on your overseas travel insurance policy.
If you buy your international travel insurance after an event is deemed a known event, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for your overseas travel destination as well as information on the official government Smartraveller website so you know where you stand with regards to the cover that you will have on your international travel insurance policy.
Perhaps the weather was bad, your client’s office didn’t have great wi-fi or your accommodation didn't live up to the expectation. Whatever the reason you're unhappy with how your business trip has shaped up, your travel insurance policy is not intended to compensate you because your experience didn't meet your expectations.
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
Depending on the level of cover you take out with your travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected medical and financial circumstances on your business trip. Compare our travel insurance policies and benefits below.
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 |
Get a travel insurance quote for your destination and compare the benefits for your next business trip.
Travel insurance can still apply if you are working overseas, but cover is usually limited to the benefits listed in your policy, such as overseas medical emergencies, cancellation, and luggage. The policy does not provide cover for every aspect of employment.
There might be no cover for loss of income if your job ends early, no cover for workplace liability, and no cover for work-related equipment or tools.
Before travelling, it is important to review the Product Disclosure Statement (PDS) to check what is included and excluded when working overseas, and to consider whether separate business or employment-related insurance is needed.
Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.
The nature of the activities you engage in during your trip; and
Whether you meet the eligibility criteria at the time of application.
Our travel insurance policies are not designed to cover business products, stock, or employees and contractors travelling for work. If you are travelling for business with these requirements, you will likely need a specialised form of insurance that can be arranged through a business insurance provider or broker.
Travel insurance is intended to cover the personal travel needs of the insured individuals listed on the Certificate of Insurance. Any cover for business products, equipment, or additional staff should be arranged separately with appropriate providers under a business-specific policy.
Travel insurance covers the expenses you’ve already paid to enable your trip, such as flights and accommodation.
Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.
If you are travelling for business and are entitled to claim an input tax credit (ITC) for expenses you’ve claimed on your travel insurance, the amount we pay will be reduced by the value of that input tax credit. This also applies if you would be entitled to an ITC when replacing an item (for example, if luggage was lost or stolen).
For travel within Australia only, if you are entitled to an ITC on your premium, you must tell us the percentage of that credit at the time you first make a claim. If you don’t provide this information, you may have a liability for GST if we pay you under this policy.
This ensures that claims are settled fairly and in line with tax rules that apply to business travellers.
Discover travel resources, advice and tips for your next business trip.
With over 50 countries in Europe, our guide explores Europe’s best cities for digital nomads. ~
With co-working spaces, fast internet access and strong appeal around city living, learn more about digital nomad life in the USA. ~
Travelling overseas and not sure if you need a visa? Learn about entry and visa requirements for Australian citizens before you depart to your travel destination. ~
^ 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.
† Fast Cover may have 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 06/07/26. Check Product Review and Google for current ratings.
^ Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply to all policies. Make sure you consider the PDS and TMD at fastcover.com.au prior to deciding whether travel insurance is right for you and which policy is right for you and your individual needs.
# 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 do your own research to find out more information as per your specific needs and circumstances and whether the information provided in these resources is correct and current.
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