What does travel insurance for sailing cover?
At Fast Cover, our travel insurance that can include cover for sailing 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. Claims arising from sailing within the distance limits may be covered under the benefits of your policy. For sailing covered by the Adventure Pack, Permanent Disability, Loss of Income and Personal Liability don't apply.*
This is a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
Medical emergencies can happen during a sailing holiday overseas. Fast Cover's Emergency Assistance (EA) team of experts are available to provide 24/7 support for overseas medical emergencies.*
An unexpected trip to a hospital overseas is the last thing you might want on your holiday, and overseas medical expenses can add up quickly. If you get injured while sailing on your overseas trip, Fast Cover may be able to help with reasonable overseas emergency medical and hospital expenses in circumstances covered under your policy.*
Anchorages and islands can be a long way from hospitals, and getting to emergency care can make a big difference. Fast Cover's international policies are available to provide cover for a medical transfer, evacuation or repatriation if you must be taken to the nearest hospital for emergency treatment or brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*
Cancelled adventures aren't just disappointing, they can be expensive too. If you need to unexpectedly cancel your trip, our Trip Cancellation Expenses benefit may help with the non-refundable trip bookings you've already paid for, including flights, accommodation and tours, in circumstances explained in your policy. Cancellation cover is only available with our Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.*
If your trip is interrupted in circumstances covered under your policy, Fast Cover's Trip Disruption Expenses benefit may help with reasonable additional travel and accommodation expenses while you're still on your trip. This benefit isn't available with the Basics policy.*
Our Accidental Death benefit pays a lump sum to your estate if you pass away during your trip in circumstances covered under your policy. It's available with Comprehensive, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.*
What does travel insurance for sailing cover?
At Fast Cover, our travel insurance that can include cover for sailing 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. Claims arising from sailing within the distance limits may be covered under the benefits of your policy. For sailing covered by the Adventure Pack, Permanent Disability, Loss of Income and Personal Liability don't apply.*
This is a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
Medical emergencies can happen during a sailing holiday overseas. Fast Cover's Emergency Assistance (EA) team of experts are available to provide 24/7 support for overseas medical emergencies.*
An unexpected trip to a hospital overseas is the last thing you might want on your holiday, and overseas medical expenses can add up quickly. If you get injured while sailing on your overseas trip, Fast Cover may be able to help with reasonable overseas emergency medical and hospital expenses in circumstances covered under your policy.*
Anchorages and islands can be a long way from hospitals, and getting to emergency care can make a big difference. Fast Cover's international policies are available to provide cover for a medical transfer, evacuation or repatriation if you must be taken to the nearest hospital for emergency treatment or brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*
Cancelled adventures aren't just disappointing, they can be expensive too. If you need to unexpectedly cancel your trip, our Trip Cancellation Expenses benefit may help with the non-refundable trip bookings you've already paid for, including flights, accommodation and tours, in circumstances explained in your policy. Cancellation cover is only available with our Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.*
If your trip is interrupted in circumstances covered under your policy, Fast Cover's Trip Disruption Expenses benefit may help with reasonable additional travel and accommodation expenses while you're still on your trip. This benefit isn't available with the Basics policy.*
Our Accidental Death benefit pays a lump sum to your estate if you pass away during your trip in circumstances covered under your policy. It's available with Comprehensive, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.*
Optional extras for your sailing holiday
No two holidays are the same, and your cover shouldn't be either. Whether you're planning to sail further offshore or try other water activities, Fast Cover's optional add-ons allow you to customise your travel insurance policy to fit you and other parts of your trip.
Got a big adventure planned? Fast Cover's Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list.*
Remember, sailing from 10 to 15 nautical miles off any land mass is an adventure activity. This means you'll need to add on the Adventure Pack to have cover when you sail that far out.
Examples of some activities that require the Adventure Pack include:
Sailing from 10 to 15 nautical miles off any land mass
Deep sea fishing with a licensed commercial operator up to 15 nm
Scuba diving between 10m and 30m
Water skiing, jet skiing, and speedboating
Tandem paragliding and skydiving
Conditions apply for activities under our Adventure Pack, so 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 adventure travel insurance.
Optional extras for your sailing holiday
No two holidays are the same, and your cover shouldn't be either. Whether you're planning to sail further offshore or try other water activities, Fast Cover's optional add-ons allow you to customise your travel insurance policy to fit you and other parts of your trip.
Got a big adventure planned? Fast Cover's Adventure Pack covers an extra list of adrenaline-pumping activities to help you tick off your bucket list.*
Remember, sailing from 10 to 15 nautical miles off any land mass is an adventure activity. This means you'll need to add on the Adventure Pack to have cover when you sail that far out.
Examples of some activities that require the Adventure Pack include:
Sailing from 10 to 15 nautical miles off any land mass
Deep sea fishing with a licensed commercial operator up to 15 nm
Scuba diving between 10m and 30m
Water skiing, jet skiing, and speedboating
Tandem paragliding and skydiving
Conditions apply for activities under our Adventure Pack, so 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 adventure travel insurance.
Cover for existing medical conditions
If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be included. Check out our PDS for more details about existing medical conditions and how we define them.
Select who needs cover
Once you've added all travellers to your policy, you can select those who wish to add cover for any existing medical conditions.
Take a medical screening
Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.
Choose to add cover
We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.
Cover for existing medical conditions
If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be included. Check out our PDS for more details about existing medical conditions and how we define them.
Select who needs cover
Once you've added all travellers to your policy, you can select those who wish to add cover for any existing medical conditions.
Take a medical screening
Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.
Choose to add cover
We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.
Insurance cover options for your sailing holiday
At Fast Cover, we have a range of coverage options available for your sailing 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 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.*
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.*
Aussies travelling within Australia for local getaways may be able to purchase the Domestic Plus policy, offering benefits such as Trip Cancellation Expenses, Luggage and Personal Effects, Rental Vehicle Excess cover and more for domestic trips.*
The Snow Sports Plus policy may be suitable for travellers heading to the snow overseas to participate in covered snow sports with benefits for snow sports equipment, snow replacement equipment hire, snow prepaid expenses and snow resort closure.*
If you are travelling 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. Your accompanying spouse and dependants may also be covered when travelling with you.*
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.*
Insurance cover options for your sailing holiday
At Fast Cover, we have a range of coverage options available for your sailing 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
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
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.*
Basics (medical only)
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.*
Domestic Plus
Aussies travelling within Australia for local getaways may be able to purchase the Domestic Plus policy, offering benefits such as Trip Cancellation Expenses, Luggage and Personal Effects, Rental Vehicle Excess cover and more for domestic trips.*
Snow Sports Plus
The Snow Sports Plus policy may be suitable for travellers heading to the snow overseas to participate in covered snow sports with benefits for snow sports equipment, snow replacement equipment hire, snow prepaid expenses and snow resort closure.*
Frequent Traveller Saver
If you are travelling 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. Your accompanying spouse and dependants may also be covered when travelling with you.*
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.*
Who can get travel insurance for sailing?
Whether you're sailing solo, with your partner or with friends, every adventure and traveller is unique. Fast Cover's travel insurance including sailing is available to Aussie travellers who meet the eligibility criteria, and the Adventure Pack for sailing from 10 to 15 nautical miles is available to travellers aged 74 and under at the date of policy issue,* including:
Couples on a sailing holiday
Seniors sailing in Greece and the islands
Families sailing in Croatia on a crewed charter
Adventurers taking a bareboat charter
Students who want to learn to sail on their mid-semester break
Domestic travellers sailing the Whitsundays
Who can get travel insurance for sailing?
Whether you're sailing solo, with your partner or with friends, every adventure and traveller is unique. Fast Cover's travel insurance including sailing is available to Aussie travellers who meet the eligibility criteria, and the Adventure Pack for sailing from 10 to 15 nautical miles is available to travellers aged 74 and under at the date of policy issue,* including:
Couples on a sailing holiday
Seniors sailing in Greece and the islands
Families sailing in Croatia on a crewed charter
Adventurers taking a bareboat charter
Students who want to learn to sail on their mid-semester break
Domestic travellers sailing the Whitsundays
Do I need travel insurance for sailing?
Whether you're on a yacht charter in Croatia, sailing in Fiji or island hopping in Greece, unexpected situations and factors outside your control could change your travel plans and leave you with out-of-pocket expenses.
Here are some situations which you might consider when deciding if you need travel insurance for sailing for your next trip and whether your policy can provide cover for these situations:
From a fall on deck to severe seasickness, things can go wrong at sea, and medical treatment overseas can be expensive. Consider if your sailing insurance can provide cover for overseas emergency medical and hospital expenses.
Many anchorages and islands are a long way from the nearest hospital. Consider if your sailing holiday insurance can provide cover for emergency medical evacuation or repatriation if you're seriously injured or unwell.
Becoming unexpectedly sick or injured could force you to cancel your trip, leaving you with a non-refundable charter, flights and accommodation. Consider if your policy can provide cover for trip cancellation expenses.
Sailing depends on wind and weather, and severe weather or transport cancellations could disrupt your plans while you're away. Consider if your policy can provide cover for trip disruption expenses.
Do I need travel insurance for sailing?
Whether you're on a yacht charter in Croatia, sailing in Fiji or island hopping in Greece, unexpected situations and factors outside your control could change your travel plans and leave you with out-of-pocket expenses.
Here are some situations which you might consider when deciding if you need travel insurance for sailing for your next trip and whether your policy can provide cover for these situations:
From a fall on deck to severe seasickness, things can go wrong at sea, and medical treatment overseas can be expensive. Consider if your sailing insurance can provide cover for overseas emergency medical and hospital expenses.
Many anchorages and islands are a long way from the nearest hospital. Consider if your sailing holiday insurance can provide cover for emergency medical evacuation or repatriation if you're seriously injured or unwell.
Becoming unexpectedly sick or injured could force you to cancel your trip, leaving you with a non-refundable charter, flights and accommodation. Consider if your policy can provide cover for trip cancellation expenses.
Sailing depends on wind and weather, and severe weather or transport cancellations could disrupt your plans while you're away. Consider if your policy can provide cover for trip disruption expenses.
What is the best travel insurance for sailing?
The best travel insurance for sailing can be considered as a policy that provides cover for the type of trip you're taking. When comparing travel insurance that covers sailing, this might include how far from land you'll sail, who you're travelling with and other situations 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 sailing for your trip:
Sailing up to 10 nautical miles off any land mass is included in Covered Sports and Leisure Activities, while sailing from 10 to 15 nautical miles needs the Adventure Pack*, so you may wish to check your planned route and how far offshore it goes before you buy.
Thinking of entering a regatta? Racing isn't covered, at any distance from land*, so you may wish to keep this in mind when planning your trip.
Sailing holidays often include more than sailing. Will you also snorkel, dive or jet ski from the boat? You may wish to check whether your other plans are on the covered activities lists, or need the Adventure Pack.
Charters and sailing courses are often paid upfront, along with flights and accommodation. You may wish to consider whether your policy includes trip cancellation cover and whether its limit suits what you've paid.
What is the best travel insurance for sailing?
The best travel insurance for sailing can be considered as a policy that provides cover for the type of trip you're taking. When comparing travel insurance that covers sailing, this might include how far from land you'll sail, who you're travelling with and other situations 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 sailing for your trip:
Sailing up to 10 nautical miles off any land mass is included in Covered Sports and Leisure Activities, while sailing from 10 to 15 nautical miles needs the Adventure Pack*, so you may wish to check your planned route and how far offshore it goes before you buy.
Thinking of entering a regatta? Racing isn't covered, at any distance from land*, so you may wish to keep this in mind when planning your trip.
Sailing holidays often include more than sailing. Will you also snorkel, dive or jet ski from the boat? You may wish to check whether your other plans are on the covered activities lists, or need the Adventure Pack.
Charters and sailing courses are often paid upfront, along with flights and accommodation. You may wish to consider whether your policy includes trip cancellation cover and whether its limit suits what you've paid.
What's not covered in our travel insurance for sailing?
It's important to know not just what your travel insurance for sailing 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.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
There's no cover for claims arising from sailing more than 15 nautical miles off any land mass.*
Sailing more than 10 nautical miles off any land mass isn't covered unless you've added the Adventure Pack.*
There's no cover for claims arising from racing or taking part in any race, other than racing on foot.*
There's no cover for claims arising while you're participating in professional sport in a professional capacity.*
There's no cover under Overseas Emergency Medical and Hospital Expenses for medical expenses incurred in Australia.*
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.
What's not covered in our travel insurance for sailing?
It's important to know not just what your travel insurance for sailing 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.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
There's no cover for claims arising from sailing more than 15 nautical miles off any land mass.*
Sailing more than 10 nautical miles off any land mass isn't covered unless you've added the Adventure Pack.*
There's no cover for claims arising from racing or taking part in any race, other than racing on foot.*
There's no cover for claims arising while you're participating in professional sport in a professional capacity.*
There's no cover under Overseas Emergency Medical and Hospital Expenses for medical expenses incurred in Australia.*
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.
Tips for travel insurance for sailing
Discover useful travel insurance tips from travel insurance expert, Fast Cover's Customer Service Team Leader Chaithanya Pai.
"We get a lot of calls that start with 'is this activity covered?' It's the right question, but the answer often comes down to the detail rather than the activity itself. Individual activities have their own participation limitations and conditions in the PDS - things like maximum altitudes, depths or distances - so the same activity can sit inside or outside those limits depending on how you're doing it. It's worth checking those against what you're actually planning before you book. If you're unsure how it applies to your trip, give us a call before you go rather than working it out at the counter."
General advice only, and does not take into account your individual objectives, financial situation or needs. Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to making a decision.
Tips for travel insurance for sailing
Discover useful travel insurance tips from travel insurance expert, Fast Cover's Customer Service Team Leader Chaithanya Pai.
"We get a lot of calls that start with 'is this activity covered?' It's the right question, but the answer often comes down to the detail rather than the activity itself. Individual activities have their own participation limitations and conditions in the PDS - things like maximum altitudes, depths or distances - so the same activity can sit inside or outside those limits depending on how you're doing it. It's worth checking those against what you're actually planning before you book. If you're unsure how it applies to your trip, give us a call before you go rather than working it out at the counter."
General advice only, and does not take into account your individual objectives, financial situation or needs. Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to making a decision.









