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Travel Insurance for Hiking, Trekking and Tramping

From scenic day hikes to once in a lifetime treks, Fast Cover offers different cover options for hiking, trekking and tramping.

Ready for New Heights on Your Hiking, Trekking or Tramping Holiday?

Here’s how our cover works:

  • Cover for Altitudes below 3,000m: You’re automatically covered for hiking, trekking or tramping, peaking at altitudes below 3,000 metres, where specialist climbing equipment is not required.
  • Cover for Altitudes between 3,000m and 6,000m: You’ll need to add-on the Adventure Pack for hiking, trekking or tramping, peaking at altitudes between 3,000 metres up to 6,000 metres (not higher) but only where specialist climbing equipment is not required

Please note expeditions to or on the Kokoda Track/Trail are not automatically covered. You’ll need to add-on the Adventure Pack to your policy for an additional premium for hiking, trekking or tramping on Kokoda expeditions.

group hiking on snowy mountain

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. ^

Every traveller’s needs are different, so check the PDS to find the right policy for you. Any advice is general advice only and doesn't consider your personal and financial circumstances.

What Does Travel Insurance for Hiking, Trekking and Tramping Cover?

At Fast Cover, travel insurance for hiking, trekking and tramping is available to provide cover under a range of benefits to help you deal with and take steps to be prepared for many unexpected and unforeseen circumstances during your holiday. 

This page provides only a summary of some of the benefits and options available for hiking, trekking and tramping at Fast Cover and does not replace the PDS which sets out the full terms and conditions of cover including benefit limits, sub-limits and exclusions that apply. Please note we can only provide cover for the circumstances and situations covered by your travel insurance policy and listed in your Certificate of Insurance so always review the PDS before deciding whether you need travel insurance and which policy is right for you.

Trip Cancellation Expenses

Trip Cancellation Expenses

Cancelled adventures aren’t just disappointing, they can be expensive too. If you become unexpectedly sick or injured before your hiking, trekking or tramping holiday and need to cancel your trip, our Trip Cancellation Expenses benefit may help protect the non-refundable trip bookings you’ve already paid for including flights, accommodation and tours in circumstances explained in your policy.^ 

At Fast Cover, you can buy travel insurance for your holiday up to 12 months prior to your departure date, including before you've booked your hiking or trekking tour and any accommodation. Please note cancellation cover is only available with our Standard Saver, Comprehensive, Domestic Plus, Snow Sports Plus and Frequent Traveller Saver policies. ^

Travel Delay Expenses

Travel Delay Expenses

Stuck at the airport instead of enjoying your hiking trail? If your pre-booked carrier including your aircraft is cancelled and rescheduled or delayed in situations covered under your policy, Fast Cover’s Travel Delay Expenses benefit is available to reimburse you for the reasonable cost of extra meals and accommodation. ^  

Our Travel Delay Expenses benefit may be able to provide cover for the reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each 24-hour period 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. ^

Trip Disruptions Expenses

Trip Disruptions Expenses

Natural disasters and severe weather could throw your trip off track, disrupting your hiking, trekking or tramping tour. If your scheduled or connecting transport is cancelled, delayed, shortened or diverted due to severe weather or a natural disaster that begun after we issued the Certificate of Insurance. 

If a disruption to your trip occurs during your trip which is outside of your control and arises from the reasons covered by your policy and explained in the PDS, we may be able to help. ^

Lost, Stolen or Damaged Luggage

Lost, Stolen or Damaged Luggage

Travelling with your hiking gear and a phone or camera to capture that perfect summit selfie? Cover may be available for the loss, theft or accidental damage of your luggage and personal items including your backpack, sleeping bag, video recorder, and trekking poles in situations covered under your policy. ^ 

Limits and sub-limits apply to how much you can claim for each item. Conditions including situations in which we would provide cover apply. ^

Overseas Emergency Medical Evacuation and Repatriation Expenses

Overseas Emergency Medical Evacuation and Repatriation Expenses

Hiking trails can be unpredictable, and medical emergencies can happen at any time. If you become seriously ill or get injured while hiking, trekking, or tramping overseas, having access to emergency medical care could make all the difference. Fast Cover may be able to help with the cost of getting you to the nearest hospital for emergency medical treatment or even flying you back to Australia, in circumstances covered under your policy. ^

Fast Cover’s international travel insurance policies are available to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover. ^ 

Overseas 24/7 Emergency Medical Assistance

Overseas 24/7 Emergency Medical Assistance

Even experienced hikers can encounter unexpected medical emergencies while hiking, trekking, or tramping. We’re here to help with Aussie based support when you need it most. Fast Cover’s Aussie based team of experts are available to provide 24/7 support for overseas medical emergencies wherever you are, depending on your situation and location, of course. ^

Fast Cover’s International travel insurance policies include access to our Australian based Emergency Assistance hotline with 24/7 support for unexpected medical emergencies overseas. Our Emergency Assistance team may be able to help arrange experienced medical support services in the event of unexpected circumstances during your hiking holiday. ^ 

Overseas Emergency Medical and Hospital Expenses

Overseas Emergency Medical and Hospital Expenses

Whether it’s a venomous bite in Indonesia, a broken bone in Nepal, or an emergency surgery in Europe, unexpected medical issues during your hike or trek could result in a sudden hospital visit overseas. Fast Cover may be able to help with overseas emergency medical and hospital expenses in some circumstances which are covered under your policy. ^

Fast Cover’s international travel insurance policies are available to provide protection against the financial burden of reasonable overseas emergency medical and hospital expenses from unexpected illness or injuries, such as those that may occur while hiking, trekking, or tramping. 

Optional Extras for your Hiking Holiday 

No two holidays are the same – and your cover shouldn’t be either. Hiking, trekking or tramping might only be part of your trip, so whether you plan to ride a motorcycle, rent a vehicle for a road trip, participate in snow sports or tick off your adventure bucket list, Fast Cover’s optional add-ons allow you to customise your travel insurance policy so you can include cover for a range of activities to fit you and other parts of your trip.

Cover for Adventure Activities

Cover for Adventure Activities

Got a big adventure planned during your hiking, trekking or tramping holiday? Fast Cover’s Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list. ^   

Remember, hiking, trekking or tramping, peaking at altitudes between 3,000 metres up to 6,000 metres (not higher) but only where specialist climbing equipment is not required is also an adventure activity. This means you’ll need to add on the Adventure Pack to ensure you have cover for this activity.

Examples of some activities that require the Adventure Pack include:

  • Abseiling
  • Outdoor rock climbing
  • Quad biking
  • Tandem parachuting and tandem skydiving
  • Sailing up to 15 nm from a land mass
  • Scuba diving up to 30 m
  • Water skiing, jet skiing, and speedboating

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 or Frequent Traveller Saver policy. ^

For more details, visit our page on travel insurance for adventure activities.

two women preparing for tandem skydiving
Cover for Riding or Being a Passenger on a Motorcycle, Moped or Scooter Overseas

Cover for Riding or Being a Passenger on a Motorcycle, Moped or Scooter Overseas

Exploring your hiking destination on two wheels offers a unique and thrilling way to experience diverse landscapes from Nepal’s Annapurna Circuit to Vietnam’s winding Ha Giang Loop.

Fast Cover’s Motorcycle Pack is an optional extra available under our International policies that may provide cover to you for being the rider or passenger on a:

  • Motorcycle,
  • Moped, or
  • Scooter.

The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 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.

man wearing helmet riding scooter
Cover for Your Rental Vehicle Excess

Cover for Your Rental Vehicle Excess

Exploring your hiking destination at your own pace? Whether you’re hiring a car for a road trip or exploring local towns between trekking tours, 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, provide 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:

  • Sedan, hatchback, or station wagon,
  • Four-wheel drive or minibus/people mover, or
  • Campervan or motorhome (up to 4.5 tonnes),

rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms). ^

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.

van parked near the ocean
Specified High Value Items

Specified High Value Items

Are you travelling with high value items or hiking gear and worried they will get lost, stolen or damaged? If you would like to cover your valuable items for more than what they’re covered for under the standard luggage and personal effects terms and conditions, 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. 

  • Phone
  • Laptop
  • Camera

Please note specified high value items are only available on Comprehensive, Snow Sports Plus and Frequent Traveller Saver policies. Limits and sub-limits apply. ^

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.

person typing on laptop
Cruise Cover

Cruise Cover

Setting voyage on a cruise? If your international cruise holiday is 4 nights or more, consider adding cruise cover to your International travel insurance policy for additional cover in case of unexpected emergencies on-board the cruise ship and during onshore excursions where no support or reimbursement is provided by the cruise company for these emergencies. ^

Fast Cover’s simple quote process can be completed online or over the phone to help you add cruise cover to your International travel insurance policy. Below is some of the information which may be needed to get a quote for cruise cover:

  1. Set Travel Dates: Tell us the travel dates you would like to be covered for.
  2. Select Who Needs Cover: Are you travelling solo, with a companion or with your family? Add all travellers to your policy.
  3. Going on a Cruise? Answer ‘Yes’ to ‘Going on a cruise?’

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.

cruise ship on ocean

Cover for Snow Sports

Cover for Snow Sports

Pairing a winter hike with snow sports? Unexpected events at the snow can snowball into costly expenses. If you’re planning to ski or snowboard overseas, answer yes to ‘Skiing or 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:

  • loss or theft of, or damage to snow sports equipment,
  • for hiring replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been misdirected or delayed for a period of more than 24-hours, or has been accidentally damaged, lost or stolen during your trip,
  • if you are injured or become sick during your trip and are unable to utilise the full duration of your pre-booked and pre-paid lift passes, snow sports equipment hire, or lessons, we will reimburse you the percentage amount of the unused portion for each insured person, and
  • the cost of transport and lift passes at an alternate ski resort,

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.

person skiing in the snow

What Type of High Altitude Travel Insurance Do I Need for My Trip?

Before you embark on your hiking, trekking or tramping trip, please check approximate altitudes of popular hiking and trekking destinations. Always make sure to do your own research about the altitudes of the trails you will be going on to help you decide which cover might suit you best.

 Green tick

   Covered 

 adventure activities skydiving

   Need Adventure Pack Add-on 

Destination

Approximate Peak Altitude

Policy Cover

Appalachian Trail, USA 

2,025m

Green tick

Camino de Santiago, Spain

1,522m

Green tick

Everest Base Camp (South Base Camp), Nepal

5,364m

adventure activities skydiving

 Machu Picchu (Inca Trail), Peru 

2,430m

Green tick

Dead Woman’s Pass (Inca Trail), Peru

4,200m

adventure activities skydiving

Kokoda Track, Papua New Guinea

2,4900m

adventure activities skydiving

Mount Kosciusko, Australia

2,228m

  Green tick

Mount Kilimanjiro, Tanzania

5,895m

adventure activities skydiving

Overland Track, Australia

1,250m

Green tick

Routeburn Track, New Zealand

1,300m

Green tick

Tongariro Alpine Crossing, New Zealand

1,886m

Green tick

Torres del Paine, Chile

2,884m

Green tick

Yosemite National Park, USA

3,997m

  adventure activities skydiving

 

Regardless of the level of high-altitude trekking that you’re covered for, you can only have cover if the trek doesn’t involve the use of specialist climbing equipment, even if you’ve taken out the Adventure Pack.

We provide cover for hiking in Australia! With our highest peak of 2228m being Mount Kosciuszko, you won’t need the Adventure Pack (unless you want to be covered for other adventure activities covered by the Adventure Pack like outdoor rock climbing). So, if you’re looking for travel insurance for trekking Mount Kosciuszko, hiking in Tasmania, the Blue Mountains, Snowy Mountains or any other hikes in Australia, our Domestic Plus policies can provide you with cover. Our domestic travel insurance for hiking in Australia does not provide medical or evacuation cover. If you’re injured or sick during your hike, you can use your Medicare or private health insurance.

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Expeditions to or on the Kokoda Track/Trail are included as listed activities under the Adventure Pack. This means you’ can consider  purchasing the Adventure Pack add-on with your Fast Cover travel insurance policy for the activity to be considered under your cover. 

Whether a claim for this activity is payable will depend on your policy type, the specific circumstances, the type of expenses you’re claiming, and the policy terms, conditions, exclusions, limits and sub-limits. 

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.

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Hiking to Machu Picchu on the Inca Trail in Peru is undoubtedly one of the most popular hiking and trekking destination. The Inca Trail itself varies in altitude. For example, Machu Picchu peaks at approximately 2,430 m. Hiking, trekking or tramping at an altitude below 3,000 m without specialist equipment is covered under our list of Covered Sports and Leisure Activities. However, the Dead Woman’s Pass on the Inca Train peaks at approximately 4215 m.

Hiking, trekking or tramping at an altitude between 3,000 m and up to 6,000 m without specialist equipment requires you to add on the Adventure Pack to your international policy. 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. ^ It might be worth considering adding the Adventure Pack to ensure you have cover for higher altitudes in case your travel plans change. 

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If you plan on hiking Mont Blanc you’ll need to do your own research to know the altitudes at which you will be hiking as the Mont Blanc massif itself varies in altitude. Some trails can peak at an altitude of 2,665. Hiking, trekking or tramping at an altitude below 3,000 m without specialist equipment is covered under our list of Covered Sports and Leisure Activities. However, if you’re hiking to the highest peak of approximately 4,810 m, you’ll need to take out the Adventure Pack.

Hiking, trekking or tramping at an altitude between 3,000 m and up to 6,000 m without specialist equipment requires you to add on the Adventure Pack to your international policy. 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. ^ It might be worth adding the Adventure Pack to ensure you have cover for higher altitudes in case your travel plans change. 

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Mt. Kilimanjaro has an altitude of approximately 5,895m, make sure to add the Adventure Pack to your travel insurance policy if you’ll be hiking, trekking or tramping at an altitude between 3,000 m and up to 6,000 m without specialist equipment. 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. ^ It might be worth adding the Adventure Pack to ensure you have cover for higher altitudes in case your travel plans change.

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Ready for Your Next Hiking Adventure?

Planning a hiking, trekking or tramping holiday? Get a travel insurance quote for your hiking destinations and compare the benefits for your next trip.

  Insurance Cover Options for your Hiking Holiday

At Fast Cover, we have a range of coverage options available for your hiking holiday. 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

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 the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income. ^

Standard Saver Travel Insurance

The Standard Saver Travel Insurance policy provides many benefits similar to our Comprehensive policy, 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. ^

Basic (Medical Only) Travel Insurance

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. ^ Please note the Adventure Pack is not available with Basics policies.

More Than One Trip? Consider Multi-Trip Travel Insurance for Frequent Travellers 

If you travel overseas frequently, you can get a quote for a Frequent Traveller Saver Policy when you take out international 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. ^ 

Do I Need Travel Insurance for Hiking, Trekking or Tramping?

Whether you plan on trekking to Everest Base Camp, Machu Pichu, tramping the Routeburn Track in NZ or taking on the Kokoda trail, we understand that unexpected situations and factors outside of your control could change your travel plans and leave you with out-of-pocket expenses. High altitude travel insurance can help better prepare you to deal with unexpected and unforeseen situations that could impact your hike or trek should the unexpected happen.    

Here are some situations to consider when deciding if you need travel insurance for hiking, trekking or tramping and whether your travel insurance policy can provide cover for these situations on your next trip: 

Non-Refundable Expenses from Cancelling Your Hiking Trip

Non-Refundable Expenses from Cancelling Your Hiking Trip

Becoming unexpectedly sick or injured could force you to cancel your hiking or trekking trip. Rescheduling a cancelled holiday and dealing with lost deposits and non-refundable tours, flights and accommodation can become stressful and expensive. Consider if your hiking travel insurance can provide cover for trip cancellation expenses.

Cancelling your Hiking Trip Due to Existing Medical Conditions

Cancelling your Hiking Trip Due to Existing Medical Conditions

If you need to cancel your trekking holiday due to an existing medical condition, you could be left out-of-pocket for non-refundable pre-paid trip bookings. You may wish to check if your travel insurance for hiking and trekking can provide cover for trip cancellation expenses if you need to cancel your trip due to your existing medical condition.

Getting to your Trekking Tour on Time

Getting to your Trekking Tour on Time

If your scheduled transport to your trekking tour is cancelled, delayed, shortened or diverted, you could risk spending thousands of dollars on additional transport to make it to your special events on time. Worse yet, you could miss out on special events you’ve already booked and paid for. Consider if your travel insurance can provide cover for special event transport expenses.

Getting Sick or Injured During your Hike, Trek or Tramp

Getting Sick or Injured During your Hike, Trek or Tramp

Consider if your international travel insurance for hiking can provide cover if you get sick or injured during your trek and incur overseas emergency medical and hospital expenses for sprains, cuts, hypothermia, dehydration and altitude sickness. Check if your travel insurance can provide emergency evacuation and repatriation if you become injured on your trekking tour.

Lost, Stolen or Damaged Hiking Gear and Equipment

Lost, Stolen or Damaged Hiking Gear and Equipment

Hiking gear and equipment can be expensive. Check if your hiking travel insurance can provide cover for your luggage and personal items and if there are options to increase coverage for specified high value items for an additional premium.

These are only some of the situations that you might wish to consider when deciding if you need hiking travel insurance.    

Before you decide whether you need high altitude travel insurance for your hiking, trekking or tramping 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 provided here is general advice only and does not take into account your individual objectives, financial situation or needs.

Where Will Your Next Trail Lead You?

Discover hiking and trekking travel insurance for your next adventure from Nepal’s Everest Base Camp to Papua New Guinea’s Kokoda Track and Peru’s Inca Trail.
 
 
 
 
 
 
 
 
 
 
 
 

What is the Best Hiking Travel Insurance?

The best travel insurance for hiking can be considered as a policy that provides cover for the type of trip that you’re taking. When looking for the best hiking travel insurance, it’s important to choose a policy that aligns with your specific travel needs. This might include other activities you plan to do during trip, who you are travelling with and other considerations and situations that apply to you and your trip.    

Here are some examples of things you may wish to consider when reviewing the best hiking travel insurance that may also help you compare hiking travel insurance policies to help you decide which policy is right for you:

Consider the Activities You Will Be Doing

Consider the Activities You Will Be Doing

Are you planning on hiking, trekking or tramping, at high altitudes?  

At Fast Cover, hiking, trekking and tramping peaking at altitudes between 3,000 metres up to 6,000 metres (not higher) but only where specialist climbing equipment is not required is considered an adventure activity. To be covered, you'll need to add the Adventure Pack for an additional premium, available to travellers aged 74 and under. Before you go, make sure your travel insurance covers hiking, trekking or tramping at your planned altitude, and check for any age limits or other conditions that apply.

Consider How You Will Get Around Your Hiking Destination

Consider How You Will Get Around Your Hiking Destination

Will you be renting a vehicle to explore between your trekking tours? 

You may wish to check whether your travel insurance provides cover for the rental vehicle excess component of the rental vehicle insurance with your car hire company overseas in case your rental vehicle is in an accident, damaged or stolen during your trekking trip abroad.    

Will you be riding or be a passenger on a motorcycle, moped or scooter while overseas?   

You may wish to check whether the policy provides cover for injuries resulting from those activities, and what conditions (such as licensing requirements or helmet use) may apply.

Consider Trip Cancellation Expenses

Consider Trip Cancellation Expenses

Have you booked your hiking or trekking tours, accommodation or flights?

You may wish to consider whether your travel insurance includes cancellation cover in case you can’t travel due to an unforeseen circumstance such as an unexpected illness or injury.

Consider Who You Will Be Travelling With on Your Hiking Trip

Consider Who You Will Be Travelling With on Your Hiking Trip

Are you planning a solo hike, a family day out on the school holidays or perhaps you’re embarking on a memorable trek with your best mate? 

You may wish to check whether the travel insurance policy provides cover for singles, couples and families. Consider how the policy benefits and benefit limits apply to all travellers listed on the Certificate of Insurance.

These are just some of the considerations that you might wish to consider when reviewing the best hiking travel insurance, so you know what cover is available to you before and during your trip and under what conditions.

Before you decide on the best hiking travel insurance for your 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.

Multi Award-Winning Travel Insurance

The Fast Cover team always strives to deliver the best travel insurance we can for all our travellers. We're very thankful for the Travel Insurance Awards we've received recognising our efforts.

Winner Travel Insurance Award

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

Winner Outstanding Value

2024 Canstar Outstanding Value Award for Seniors Travel Insurance†

Value for Money

2024 Finder Customer Service Satisfaction Awards†

Compare Hiking Travel Insurance Benefits

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 hiking, trekking or tramping 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

What is Not Covered in our Hiking, Trekking and Tramping Travel Insurance?

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 needs. 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.

Hiking Over and Above the Altitude That You’re Covered For

Hiking Over and Above the Altitude That You’re Covered For

We automatically cover you for hiking, trekking or tramping, peaking at altitudes below 3,000 metres, where specialist climbing equipment is not required. However, if you wish to go hiking, trekking or tramping, peaking at altitudes between 3,000 metres to 6,000 metres (not higher) but only where specialist climbing equipment is not required, you may consider our add-on Adventure Pack.

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 example, if you plan on hiking up to 4,500m, and don’t take out the Adventure Pack, there’s no cover for any claims that may arise from you hiking between 3000m and 6,000m.

Professional Hiking, Trekking or Tramping

Professional Hiking, Trekking or Tramping

We can only provide cover if you’re hiking, trekking or tramping as an amateur. If you’re hiking, trekking or tramping professionally or in a competition, our travel insurance for hiking may not be the right one for you. You may wish to consider cover from a specialist trekking company to provide you with cover.

Hiking, Trekking or Tramping with Specialist Equipment

Hiking, Trekking or Tramping with Specialist Equipment

There’s no cover if you need to use specialist climbing equipment for hiking, trekking or tramping.

Rental Equipment

Rental Equipment

There’s no cover for any equipment that you rent for your hiking, trekking or tramping. Maybe you can check with your rental company if they’re able to provide cover for the rental equipment.

Mountaineering

Mountaineering

Climbing mountains requires specialist climbing equipment, which isn’t something that we can provide cover for. You may wish to consider cover for this type of trip with a specialist company.

Disappointing Hiking or Trekking Tours

Disappointing Hiking or Trekking Tours

Perhaps the weather on your trekking tour was disappointing or the tour itinerary didn’t live up to your expectations. Whatever the reason you’re unhappy with how your hiking or trekking holiday has shaped up, your travel insurance policy is not intended to compensate you because you didn’t enjoy your time.

Domestic Medical and Evacuation Cover

Domestic Medical and Evacuation Cover

If you’re hiking, trekking or tramping in Australia and become sick or injured during, you may be able to use your Medicare and private health insurance. There’s no medical or evacuation cover under our Domestic Plus policies.

If You Become Injured While Breaking the Law

If You Become Injured While Breaking the Law

If you become injured while breaking the law on your trip, there are various conditions and exclusions that may apply which means you may not be covered. For example, this may include trespassing, hiking without the appropriate permit if it is legally required, riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol.

Why Choose Fast Cover for your Hiking Trip?

Australian-Based Customer Service

24/7 Emergency Assistance

25 Day Cooling Off Period#

Fast and Simple Claims Process

Chosen by over
501,284
travellers and counting

4.6
From over 2,527 reviews°
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4.6
From over 2,291 reviews°
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What Our Travellers Are Saying

See what our travellers have to say about Fast Cover travel insurance.°

FAQs about Hiking Travel Insurance

Hiking, trekking or tramping is included under Fast Cover travel insurance policies under specific conditions: 

  • These activities are automatically included within Covered Sports and Leisure Activities, peaking at altitudes below 3,000 metres, where specialist climbing equipment is not required. (Expeditions to or on the Kokoda Track/Trail are not automatically covered) 
  • If the activity is peaking at altitudes between 3,000 and 6,000 metres (not higher), you must purchase the Adventure Pack add-on. Even with the Adventure Pack, cover is only available if specialist climbing equipment is not required. 
  • There is no cover for hiking, trekking or tramping above 6,000 metres, or for any activity that involves the use of specialist climbing equipment. 

Whether a claim relating to this activity is payable will depend on your policy type, the specific circumstances, the type of expenses you are seeking, and the policy terms, conditions, exclusions, limits and sub-limits. 

Eligibility criteria, policy terms, conditions, exclusions, limits and sub-limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Any advice is general advice only and does not take into account your individual objectives, financial situation, or needs. Please consider the PDS before making any decisions regarding the purchase of travel insurance. 

As each individual’s circumstances are different, we will assess each claim on a case-by-case basis in accordance with your specific circumstances, policy terms, conditions, exclusions and Certificate of Insurance. 

Hiking is included under Fast Cover travel insurance policies when it’s undertaken at altitudes below 3,000 metres, where specialist climbing equipment is not required. (Expeditions to or on the Kokoda Track or Trail are not automatically covered.) 

If you plan to hike at altitudes between 3,000 and 6,000 metres, or take an expedition to or on the Kokoda Track/Trail, you may consider purchasing the Adventure Pack add-on with your policy. Cover is only available if specialist climbing equipment is not required. 

There is no cover for hiking activities above 6,000 metres or for any hikes that require technical climbing or mountaineering equipment. 

The activity must be undertaken recreationally and not in a professional or competitive capacity. The Adventure Pack is not available with the Basics policy.

Yes, you can! Fast Cover automatically provides cover for hiking, trekking or tramping, peaking at altitudes below 3,000 metres, where specialist climbing equipment is not required, this is covered under our Covered Sports and Leisure Activities. 

Fast Cover provides travel insurance for hiking above 4000 m (and up to 6000 m) with our add-on Adventure Pack. You can consider adding on the Adventure Pack for hiking, trekking or tramping, peaking at altitudes between 3,000 metres up to 6,000 metres (not higher) but only where specialist climbing equipment is not required.

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. ^ 

With Fast Cover, you may consider adding on the Adventure Pack for hiking, trekking or tramping, peaking at altitudes between 3,000 metres up to 6,000 metres (not higher) but only where specialist climbing equipment is not required. 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. ^

Fast Cover makes buying travel insurance for hiking up to an altitude of 6000 m simple. When getting a quote online, you can add the Adventure Pack in the “Add Extras” section of the quote. If you need help, call us on 1300 409 322 or send us an email at info@fastcover.com.au. 

Although the term ‘Specialist Climbing Equipment’ is not defined in the Product Disclosure Statement, it generally refers to gear or devices specifically designed for specialised climbing activities such as mountaineering, alpine climbing, or other high-risk outdoor activities involving climbing. This equipment is generally used for safety, support, or technical climbing techniques.

Specialised climbing equipment can include (but is not limited to) the following items:

  • Crampons to walk over snow or ice
  • Mountaineering helmet
  • Mountaineering boots
  • Specialist climbing gloves
  • Avalanche beacons
  • Climbing using guides or ropes or rock-climbing equipment
  • Harness / Climbing Harness
  • Use of oxygen
  • Carabiner - locking and non-locking types
  • Belay device
  • Rappel devices (descenders)
  • Ice axe
  • Spinner leashes (minimise the consequences of accidentally dropping a tool)
  • Anchor
  • Probe
Fast Cover Travel Insurance automatically provides cover for hiking, trekking, and tramping up to an altitude of 3,000 meters, provided you do not use any specialised climbing equipment.
You can extend this cover to activities up to 6,000 metres by purchasing the Adventure Pack add-on.

Important Information:

- No cover is available for any hiking, trekking, or tramping above 6,000 metres, regardless of add-ons.
- No cover is available for any hiking, trekking, or tramping if it involves the use of specialist climbing equipment, regardless of altitude or cover level.
Any advice is general advice only and does not take into account your individual objectives, financial situation, or needs. Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. As every claim is assessed on a case-by-case basis, please read the Product Disclosure Statement (PDS) available at fastcover.com.au to determine if this product is suitable for you.

No, Fast Cover’s cover for hiking, trekking and tramping can only provide you with cover if this activity doesn’t involve the use of specialist climbing equipment for any altitude level, even if you’ve taken out the Adventure Pack Add-on.  

If you’ll be using specialist climbing equipment, you may wish to consider a specialist company to provide you with the cover that you need for your holiday. 

Mountaineering is not covered under any of the Fast Cover travel insurance policies, even if you have purchased the Adventure Pack. This means there is no cover for any claims arising from participation in mountaineering, regardless of your policy type or whether the Adventure Pack has been purchased. 

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 hiking overseas and need to be evacuated, you should contact our Emergency Assistance team on +61 2 8320 7999. The team will assess your situation and approve an emergency evacuation if it is necessary. 

If your inability to return is not due to a medical or life-threatening condition, the Emergency Assistance team will still review the situation to decide whether evacuation is required. Cover for evacuation expenses will depend on the nature of the event, your policy type, and your specific circumstances. 

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. 

 

Fast Cover’s Domestic Plus policy does not include cover for medical expenses or emergency medical evacuation within Australia. 

If you are seriously injured or become seriously ill while hiking in Australia, you can contact emergency services in Australia by dialling 000. You may also seek assistance from local authorities, your tour operator, accommodation provider, or transport carrier. 

Eligibility criteria, policy terms, conditions, exclusions, limits and sub-limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs. 

Any advice is general advice only and does not take into account your individual objectives, financial situation, or needs. Please consider the PDS before making any decisions regarding the purchase of travel insurance. 

You may submit a claim under the Trip Cancellation Expenses benefit for prepaid trip bookings that you’ve paid in advance and cannot recover in any other way if your hike is directly impacted by severe weather. 

However, deciding not to go on a hike due to severe weather may not always be considered an insured event. You should carefully check the PDS to understand when cancellation cover applies and what is excluded. 

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. 

At Fast Cover, you can buy travel insurance for your hike or trek up to 12 months prior to your departure date. Please note cancellation cover is only available with our Standard Saver, Comprehensive, Domestic Plus, Snow Sports Plus and Frequent Traveller Saver policies. ^

You may wish to consider purchasing your hiking travel insurance with cancellation cover as soon as you book and pay for your flights, accommodation and tours to get the full advantage of the cancellation cover on your trek travel insurance policy. 

When you compare travel insurance for trekking, you shouldn’t just look at the price of the trekking travel insurance, as the cover  offered may differ between insurance providers. 

To find the best value travel insurance for your trekking holiday, you should also check: 

  • The benefits that the trekking travel insurance policy can provide you 
  • If you need to complete a medical screening for your existing medical conditions 
  • What can’t be covered in your travel insurance for trekking, for example, what altitudes are covered by which policy or cover 
  • If the travel insurance for trekking is able to cover you for the type of trekking and other activities that you’re planning on doing 
  • If evacuation cover is provided when you do your trek overseas 

Please always  read the Product Disclosure Statement (PDS) carefully in detail before deciding whether you need travel insurance and which policy is right for you.

If you’re looking for the best travel insurance for trekking to Everest Base Camp or the Annapurna Circuit in Nepal, you may want to  consider if the travel insurance policy for trekking in Nepal will be able to cover you for the type of trek that you’ll be doing. 

You may want to consider if your travel insurance for trekking in Nepal is able to provide cover for: 

  • Medical cover should you become unexpectedly sick or injured while on your Nepal trek 
  • Cancellation cover in case you’re not able to go on your Nepal hike due to sickness or injury 
  • Cover for your trekking gear 
  • 24/7 emergency medical assistance 
  • Any add-on packs are needed for high altitude trekking or whether certain altitudes are covered at all 

For overseas treks, if you have a serious medical or life-threatening emergency, Fast Cover’s trekking travel insurance cover includes the Overseas Emergency Medical Evacuation and Repatriation benefit which is available to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with  appropriate medical supervision. Please keep in mind, if your trek is between 3,000 and 6,000 metres you will require the Adventure Pack which is not available with our Basics policies. 

In these types of situations, you should contact the Emergency Assistance team to assist you, and they can organise your evacuation if it’s required. The medical transfer, evacuation or repatriation must first be approved by Fast Cover. ^ 

Helicopter rescue or evacuation is not covered if you’re hiking in Australia.

The policy does not specifically require you to have a guide for hiking above 3,000 metres in altitude (only where specialist climbing equipment is not required). However, it is a condition of cover that you take reasonable precautions to protect yourself during your trip. 

This includes complying with local mountain regulations including but not limited to following any warnings or warning signs; and complying with the said regulations which may require a guide in certain areas or under specific conditions. Failing to follow such regulations or acting unreasonably may impact your eligibility for a claim. 

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 your travel destination is situated at an altitude higher than 3,000 metres—even if you’re not participating in hiking or trekking activities—you’ll need to consider having the Adventure Pack add-on included with your policy for cover to apply. 

Cover is available up to a maximum altitude of 6,000 metres and is not available under the Basics policy. 

Whether a claim is payable will depend on your policy type, the specific circumstances, the type of expenses you’re claiming, and the policy terms, conditions, exclusions, limits and sub-limits. 

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.

There is NO cover for hiking over 6000m, even if you have taken out the Adventure Pack.

You are automatically covered to hike up to 3000m only. To be covered to hike up to 6000m, you will need to take out the Adventure pack and pay the additional premium.

Whether or not you are covered for your accident depends on the altitude where the accident occurred:

  • Accident occurred at an altitude over 6000m: If you have the Adventure Pack and the accident occurs at an altitude of over 6000m, this would not be covered as the accident occurred when you were at an altitude of over 6000m.
  • Accident occurred at an altitude under 6000m and over 3000m: If you have the Adventure Pack, you would have provision to claim. If you do not have the Adventure Pack, you would not have provision to claim.
  • Accident occurred at an altitude under 3000m: You would have provision to claim if you have an accident.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS)

Adventure Travel Hub

Discover travel resources, advice and tips for your next hiking, trekking or tramping holiday.

Backpacking Guide: Backpacker Travel, Health and Safety Tips

Fast Cover’s backpacking guide provides Australian backpackers with key health and safety travel tips for backpacking through Europe, Asia and beyond. ~ 

Nepal Travel Guide

Travelling to Nepal from Australia? Read Fast Cover's Nepal Travel Guide to learn the travel requirements for Nepal to help prepare and plan your trip. ~

New Zealand Travel Guide

Travelling to New Zealand from Australia? Read Fast Cover's New Zealand Travel Guide to learn practical tips to help you prepare for your trip to New Zealand. ~ 

How Can We Help, Mate?

Fast Cover’s Aussie based Emergency Assistance team are available to provide support when you need it, wherever you are, under applicable terms and conditions. ^ 

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.

^ 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.    

† Fast Cover has a referral arrangement with this company. Awards are only one factor to be taken into account when deciding whether this product is right for you. Check Product Review, Canstar and Finder for current awards.   

# We offer a money back guarantee up to 25 days if you have not started your trip and have not used any of your rights under the Policy (e.g. you have not made a claim or used your policy to obtain a visa). You have a full 25 days from the purchase date of the Policy (as set out in the Certificate of insurance) to make sure you are happy with every aspect of your Fast Cover Travel Insurance Policy and in accordance with our regulatory obligations. This is known as the “cooling off” period. During this time, you may cancel the Policy simply by contacting us and we will give you a full refund. If you decide to cancel your policy outside of this cooling off period, you may be eligible for a partial refund as described in PDS.  

° Ratings are only one factor to be taken into account when deciding whether this product is right for you. The star rating is accurate as of 13/08/25. Check Product Review and Google for current ratings.   

~ 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 to confirm whether the information provided in these resources is correct and current.