Travel Alert: Cover excluded for COVID-19 except AUS/NZ with optional COVID-19 Pack or selected countries with "Do Not Travel" advice.

Before you take out travel insurance...

Most companies that offer Travel insurance have a Product Disclosure Statement (PDS) where customers are able to look into their terms and conditions. Not all providers have the same benefits or limits in their policies.

Australians travelling with travel insurance

Australians love to travel. Before you embark on your journey, one of the things you should consider doing is compare travel insurance quotes and benefits before you make a commitment. Many travel agents and credit card providers do provide travel insurance but these could be more expensive and coverage may be inadequate or not appropriate.

Companies such as APIA Travel Insurance, Virgin Travel Insurance, Allianz Travel Insurance, TID Travel Insurance and Covermore Travel Insurance along with Fast Cover, offer Travel Insurance policies that provide medical coverage for you and your travel companions with many different levels of cover depending on your travel requirements.

Though it seems as though insurance companies are the same, this is simply not the case. Every travel insurance company provide different cover levels. The difference in cover level may not be immediately obvious. If you want to know the real differences, you will need to read their PDS. This is usually easily downloadable on the travel insurance providers website. Our PDS can be found .

Travel Insurance providers are here to be in your time of need while you travel*. It is important that you read the entire document to ensure you are fully aware of what you are covered for.

Different companies, similar cover

Australia has many insurance providers specialising in travel insurance from the basic medical cover to comprehensive coverage. Some companies include loss of luggage, cancellation, medical coverage and travel delays.

Though all of these travel insurance providers come with benefits that are similar to each other, every company has its own cover types and inclusions. It is important to do your research when choosing the right level of cover for your specific trip. Some holidays may require more coverage for activities and some may not need full coverage.


TID Travel Insurance*

  • started in 2002 
  • A well-known travel insurance company catering
  • Underwritten by Suncorp
  • Head office in Sydney 


APIA Travel Insurance*

  • A subsidiary of Suncorp Banking Network
  • Specifically marketing towards senior travellers
  • underwritten by Suncorp Network
  • Based in Melbourne


Allianz Travel Insurance*

  • A 24/7 call centre and emergency support 
  • Began in 1914
  • A global emergency medical assistance team  


Money Travel Insurance*

  • Another division of Virgin's global network of services
  • incentives for Virgin Money users including travel insurance, home loans, superannuation and credit cards
  • servicing Australia's travellers for years


Some other Travel Insurance providers

  • Insure and Go Travel Insurance
  • 1Cover Travel Insurance
  • Budget Direct Travel Insurance
  • American Express Travel Insurance
  • VISA Travel Insurance
  • Webjet Travel Insurance
  • Flight Centre Travel Insurance


Tips for keeping the cost of travel insurance down from travel insurance providers

Comparison sites are obviously a great starting point for finding travel insurance. With just a few clicks of a mouse, you get quotes from a . However, this is just the starting point to finding the right travel insurance for you. Once you have selected a handful of policies that suit your needs, there is more you can do to lower the overall cost. By asking yourself these 3 questions below, you may be able to save on your travel insurance.

What is the cover you need?

Travel insurance policies can include anything from luggage cover to adventure sports cover, or just offer bare bones medical emergency cover. Whatever trip you have in mind will dictate the type of cover that you need! For example, if you are planning on taking a lot of electronic equipment with you, the policy you should consider is one that has a larger amount of luggage cover or the optional extra of insuring expensive electronics.

How much excess can you afford?

The excess is what you have to pay towards any claim. This excess can be as low as $0 if you are prepared to pay an additional premium upfront. The reason the excess is important is because each travel insurance handles it differently: say your backpack containing a tablet, a phone, and a camera gets stolen; is the excess applied to each item or all of them as a whole? Paying an additional premium for the excess reduction option when purchasing the policy may save you money when it comes to claims time!

Single trip or multi-trip?

If you are planning on travelling a lot in a given year, taking out multiple single trip policies may prove to me more expensive than one multi-trip policy where you can travel numerous times a year on just one policy. Obviously, each one has its pros and cons, and you have to keep an eye on how many days you are allowed to travel under multi-trip insurance policies.

Now that you are covered

Once you have found the right company that suits your budget to cover you for travel insurance, you can go ahead and enjoy your overseas adventures with peace of mind and with some extra money in your wallet!

*All information is subject to terms and conditions according to their Product Disclosure Statement (PDS). Fast Cover PDS can be found here

Medical Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Overseas 24/7 Emergency Medical Assistance^


Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

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^


––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

$50 $50 $50

Accidental Death

Travellers Aged 80 to 89:
––– $25,000
––– $25,000

Death of a Dependant (per Dependant)

$5,000 $5,000 $5,000 $5,000

Permanent Disability^

Travellers Aged 80 to 89:
––– ––– ––– $50,000

Permanent Disability of a Dependant (per Dependant)

$5,000 $5,000 $5,000 $5,000

Loss of Income^


––– ––– ––– $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


––– Unlimited $25,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Close Relatives with a Pre-existing Medical Condition

$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


––– $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


Optional $7,500 $5,000 $15,000 $15,000 $15,000

Personal computers,video recorders or cameras (per item)

$3,000 $3,000 $3,000 $3,000 $3,000 $3,000

Mobile phones (per item)

$1,500 $1,500 $1,500 $1,500 $1,500 $1,500

Tablets (per item)

$1,000 $1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

$750 $750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unoccupied vehicle during daylight hours

$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


––– $5,000 Optional Optional Optional Optional

Return of Rental Vehicle

$500 $500 $500 $500 $500

Travel Delay Expenses


––– $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


––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

$100 $100

Please note: This is only a summary of benefits. Exclusions and sub-limits apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.

Traveller Testimonials

Such a good insurance company

After having insured with Fast Cover many times I find the policy is of excellent value, and so easy to set up online. I have recommended this company to many of my friends as I am extremely satisfied with how friendly and helpful they are.

Mim –


Comprehensive travel insurance

We have used Fast Cover many times and find this company in particular good value for money and cover all the items we need as senior travellers.

Rainy –


Helpful service

The policy was very well priced and options were available so I could tailor what I purchased to my needs. I set it up online, paid and had confirmation and printable paperwork in less than 15 minutes. On the occasion I needed to make a claim, this was dealt with quickly and satisfactorily by helpful telephone assistants. I continue to buy my travel insurance from Fast Cover.

Sandy –


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Things you need to know

* See Product Disclosure Statement and the COVID-19 Pack Document for full terms and conditions and exclusions and limits that apply. For travellers aged 80 and over, additional terms and conditions, limits and excesses apply.