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Budget Travel Insurance

Travelling on a budget? Fast Cover’s budget travel insurance options can help you purchase affordable cover for your overseas trip without cutting out the essentials.

Cheap Travel Insurance for Travellers on a Budget 

Travelling on a budget doesn’t mean you have to skip cover for your overseas trip. Fast Cover’s Basics policy and Standard Saver policy are considered budget travel insurance options designed to provide affordable cover for Aussies travelling on a budget, helping cover unexpected costs that can arise before or during your trip.  

Here are some of the key reasons travellers choose our Basics and Standard Saver budget travel insurance options: 

    • Flexible cover levels: select from Basics medical-only policy, Standard Saver policy and add-on optional extras to match your budget and travel plans
    • Optional extras to suit your trip: you may be able to add optional cover for rental vehicle excess or adventure activities, or riding a motorcycle overseas ^ 
    • Low-cost doesn’t mean low cover: even our budget options include unlimited cover for overseas emergency medical and hospital expenses ^ 
    • Overseas 24/7 emergency medical assistance: get round the clock access to our Australian based Emergency Access team ^
    • Easy online quotes and claims: get a quick quote in minutes and make claims online with clear steps and local support from our Aussie-based team 

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 Budget Travel Insurance Cover? 

While the exact level of cover depends on the policy type you choose, here are examples of benefits that may be included in a budget travel insurance policy. 

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

Trip Cancellation Expenses

Trip Cancellation Expenses

When you’re travelling on a budget, every dollar counts, so it’s important to cover what you’ve already paid for. Flights, accommodation, and tours can be expensive to replace if your trip is cancelled unexpectedly.

If you or anyone on your policy become unexpectedly ill, injured, or experience another event covered under your policy that forces you to cancel your trip, Fast Cover’s Trip Cancellation Expenses benefit may reimburse the non-refundable pre-paid trip bookings you’ve already paid. ^

You can buy travel insurance up to 12 months before you leave for your trip when you purchase our Standard Saver, Comprehensive, Domestic Plus, or Snow Sports Plus policies. Please note this benefit is not available with our Basics policy. 

24/7 Emergency Medical Assistance

24/7 Emergency Medical Assistance

Even budget trips can come with big surprises. If you become seriously ill or injured overseas, Fast Cover’s Australian-based Emergency Assistance team is available 24/7 to help when you need it most. ^ 

Depending on your situation, our Emergency Medical Assistance team may be able to assist you during unexpected medical emergencies overseas by: 

  • Locating and arranging overseas medical treatment or hospital admission. 
  • Coordinating approved medical evacuation or repatriation. 
  • Providing guidance on local medical services and next steps. ^ 

Travellers covered under the policy can contact our Emergency Assistance team directly any time they need urgent help overseas. ^ 

Overseas Emergency Medical and Hospital Expenses

Overseas Emergency Medical and Hospital Expenses

Medical care overseas can be costly, and in some destinations, even a short hospital visit can result in large bills. Fast Cover’s budget travel insurance, both our Basics and Standard Saver policies may be able to provide cover for overseas emergency medical and hospital expenses if you become unexpectedly ill or injured while on your trip. ^ 

Fast Cover’s budget travel insurance is designed to help with the financial impact of unexpected illness or injury while overseas. This may include reasonable medical treatment, hospitalisation costs, or related medical expenses covered under your policy that you incur during your trip and are not reimbursed elsewhere. ^

Overseas Emergency Medical Evacuation and Repatriation Expenses

Overseas Emergency Medical Evacuation and Repatriation Expenses

If you experience a serious medical emergency while travelling, you might need to be medically transported or evacuated to the nearest hospital for emergency medical treatment or even be repatriated back to Australia for treatment with appropriate medical supervision. ^

Even our budget travel insurance options such as the Basics and Standard Saver policies may be able to provide cover for the reasonable additional accommodation and travel expenses, cost of medical transfer, evacuation or repatriation when these services are approved under your policy. All medical evacuations and repatriations must be arranged and approved by Fast Cover before they take place.

Lost, Stolen or Damaged Luggage

Lost, Stolen or Damaged Luggage

Losing your luggage or having personal items stolen can hit your travel budget hard. Budget travel insurance may include cover for your luggage and personal items such as laptops, cameras, and phones if they are lost, stolen or accidentally damaged in situations covered under your policy. ^ 

This benefit is automatically included with our Standard Saver policy up to a limit of $5000 but is an optional extra (up to $2000) under our Basics policy for travellers on a tighter budget who might be travelling light and not require cover for luggage and personal items. 

Benefit limits and sub-limits apply to how much can be claimed for each item, and conditions set out when and how cover applies. For full details, it’s important to read the PDS to understand your entitlements and any exclusions that may apply. ^ 

Trip Disruptions Expenses

Trip Disruptions Expenses

Sometimes, even after your trip begins, unexpected events like natural disaster and strikes can result in cancelled or diverted transport and disrupt your trip.

Fast Cover’s Trip Disruption Expenses benefit is available with our Standard Saver policy and may cover reasonable additional travel and accommodation expenses you incur while you’re still on your trip if the disruption occurs for reasons covered under your policy. The cost must be unrecoverable from any other source. ^

Optional Extras for Budget Travel Insurance 

Travelling on a budget doesn’t mean settling for one-size-fits-all cover. Fast Cover’s travel insurance policies can be customised with optional add-ons that let you choose extra protection for the parts of your trip that matter most.

Whether you’re hiring a car, taking a cruise, or planning some adventure activities, these extras can help you include cover for situations or experiences that may not be automatically included in your chosen plan. This flexibility means you only pay for what you need, keeping your insurance affordable while still providing valuable cover. ^ Depending on the policy type you choose, the following optional add-ons may be available with your low-cost holiday insurance:

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 a destination on two wheels is often one of the most affordable ways Australians travel, from weaving through Vietnam’s Ha Giang Loop on a motorcycle, to riding a scooter in Thailand, or cruising the coastal roads of Bali on a moped.

Fast Cover’s Motorcycle Pack is an optional extra that you can add to your budget travel insurance 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 years and under at the date of policy issue when they purchase an international travel insurance policy. ^   

For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.   

man wearing helmet riding scooter
Cover for Adventure Activities

Cover for Adventure Activities

Travelling on a budget doesn't mean skipping adventure. Fast Cover’s Adventure Pack gives you the option to include an extra list of adrenaline-pumping activities to help you tick off your bucket list. ^ 

Examples of some activities that require the Adventure Pack include:   

  • Abseiling   
  • Outdoor rock climbing   
  • Quad biking   
  • Tandem parachuting and tandem skydiving   
  • Sailing from 10 -15 nautical miles off any land mass    
  • Scuba diving up to a depth of 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, Domestic 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 Your Rental Vehicle Excess

Cover for Your Rental Vehicle Excess

Hiring a rental vehicle is a popular way to travel on a budget, but rental vehicles often come with a high insurance excess if something goes wrong.

If your rental vehicle is in an accident, damaged or stolen during your trip overseas, Fast Cover can, depending on the policy chosen, and on payment of additional premium provide reasonable additional cover of up to $8,000 for the rental vehicle excess component of your rental vehicle insurance with your car hire company overseas. ^ 

The rental vehicle excess benefit applies to a:   

  • 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
Cover for Snow Sports

Cover for Snow Sports

Pairing a winter holiday 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 and Snowboarding’ during your quote application. This will give 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 accidental 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
Cruise Cover

Cruise Cover

Cruising can be an affordable way to see multiple destinations in one trip, but it’s important to make sure you’re covered both on board and on shore.

You can choose to add cruise cover to your budget travel insurance 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. ^

If you are travelling on a cruise ship and wishes to be covered for it, you must specify cruise cover at the time of purchase based on your destination and length of your cruise trip:

  • If you are travelling within Australian waters, the New Zealand or the South Pacific region for 1night or more, you must specify cruise cover at the time of purchase  
  • If you are travelling on a cruise within Asia, Europe or Worldwide regions for 4 nights or more, you must specify cruise cover at the time of purchase.  

By adding this option, your existing Family travel insurance benefits will extend to when you’re on a cruise, whether it’s a domestic or international voyage. Adding cruise cover to your policy allows you to have cover both on board and on land, helping you stay covered throughout your entire trip. ^ 

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

 

Medical Conditions Cover for Budget Travel Insurance 

Having an existing medical condition doesn’t necessarily mean you can’t get travel insurance. With Fast Cover, you may be able to obtain budget travel insurance that includes cover for an existing medical condition under the applicable policy benefits. 

To find out if we can provide cover for your condition, you’ll need to complete a medical screening during your quote journey where you tell us about: 

  • Any medical or pregnancy conditions you or any insured family member have, or have had, in the 3 years prior to your policy issue date, and 
  • Any new medical or pregnancy conditions that develop, or changes to your health, after your policy issue date and before you depart on your trip. 

It’s important that you declare all relevant medical or pregnancy conditions for each insured traveller when applying for a quote. If a condition is approved through the medical screening process, it will be listed on your Certificate of Insurance and will then be included under your cover. Any relevant medical or pregnancy condition that is not declared or not listed on your Certificate of Insurance will not be covered. 

If your health changes after purchasing your policy but before you travel, you will need to contact Fast Cover for a medical re-screening. This process may adjust your premium and will determine whether your condition can continue to be covered 

Please keep in mind that some existing medical conditions may require you to pay an additional cost for them to be included under your cover. You have the choice to either pay for this additional cost or not. If you choose to pay, the condition will be added to your policy and shown on your Certificate of Insurance. If you choose not to pay, that condition will not be covered.  

How to Apply for Cover for Existing Medical Conditions 

If you have any existing medical conditions, you may be able to apply to include cover for them during your trip. Our simple medical screening process can be completed online or over the phone to help you find out if your medical condition or pregnancy condition can be covered under your travel insurance policy.  

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. 

To find out more about our medical screening process, and how the policy will apply in relation to an existing medical condition, please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply. 

Budget Travel Insurance for Your Next Trip 

Travelling on a budget? Whether you’re heading overseas, exploring locally, or planning a short getaway, choose the level of cover that fits your trip and your wallet with Fast Cover. 

Insurance Cover Options for Your Budget Trip 

At Fast Cover, we offer a range of cover options to suit your trip and your budget. Whether you’re planning a quick getaway, an overseas adventure, or exploring Australia, our budget travel insurance helps you choose the right level of cover without paying for extras you don’t need. 

The options below provide a summary of some of the benefits available across our budget travel insurance policies. For full details, including limits, sub-limits, exclusions, and terms, please refer to the Product Disclosure Statement (PDS) before you travel. 

Basics (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. ^  

Standard Saver Travel Insurance

The Standard Saver Travel Insurance policy provides many benefits similar to some of our other policies, such as benefits relating to your health as well as many other similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel. ^  

Do I Need Budget Travel Insurance? 

When you’re planning a trip on a budget, it’s easy to focus on keeping costs low. Flights, accommodation, activities, and meals all add up quickly. But unexpected events can be even more expensive than the trip itself. Fast Cover’s budget travel insurance is designed to help cover you from the unexpected costs that can come with travelling, giving you support for many common travel disruptions. ^

Here are some situations to consider when deciding whether you need budget travel insurance:

Travelling on a Tight Budget

Travelling on a Tight Budget

When you’re travelling on a limited budget, every dollar counts. Even small, unexpected expenses can have a big impact on your trip savings. Fast Cover’s budget travel insurance options including our Basics and Standard Saver policies are designed to help you manage the financial risks that can arise while travelling without paying for benefits you may not need. ^

This type of cover is ideal for travellers who want cover for the essentials like overseas medical emergencies but still want to keep overall trip costs low. Choosing budget travel insurance means you can stay within your budget while reducing the risk of large, unexpected bills if something goes wrong.

Getting Sick or Injured During your Holiday

Getting Sick or Injured During your Holiday

One of the biggest concerns for travellers is what would happen if they became unexpectedly ill or injured overseas. Medical and hospital expenses can be very costly, and in some countries, even basic care requires upfront payment.

If one of your main concerns is how you would manage unexpected healthcare costs abroad, Fast Cover's budget travel insurance options including our Basics and Standard Saver policies include a number of overseas medical benefits that provide cover for overseas a number of medical benefits. Always check your Certificate of Insurance and the Product Disclosure Statement (PDS) to understand exactly what is and isn’t included. ^

Non-Refundable Expenses from Cancelling Your Trip

Non-Refundable Expenses from Cancelling Your Trip

Travellers looking to save money often book early or take advantage of non-refundable deals. While these can reduce costs upfront, they can also leave you out of pocket if something unexpected happen. For instance, if you become unexpectedly ill or injured and must cancel your plans, you could lose a significant amount of money.

Our Standard Saver policy is a budget travel insurance option that provides cover for eligible Trip Cancellation Expenses, helping to reimburse your non-refundable pre-paid trip bookings so you don’t have to absorb the financial loss yourself. ^

Lost, Stolen or Damaged Luggage and Personal Items

Lost, Stolen or Damaged Luggage and Personal Items

When you are travelling on a budget, lost, stolen or damaged luggage and personal items could leave you with out-of-pocket expenses to replace your personal items like your laptop, camera, or favourite travel gear.

Fast Cover’s Standard Saver policy includes the Luggage and Personal Effects benefit, available to provide cover for the loss, theft, or accidental damage to your luggage and personal belongings during your trip subject to limits and sub-limits. Our Basics policy includes this benefit as optional cover, allowing travellers to purchase a cheaper travel insurance option and add on this cover if they decide it fits their needs. ^

Travelling for Longer Periods to Multiple Countries

Travelling for Longer Periods to Multiple Countries

Travelling often means extended travel with flexible plans. You might start in one country and end up exploring many more along the way.

Fast Cover’s budget travel insurance can provide cover for trips lasting up to 24 months, giving you flexibility to visit as many countries as your itinerary allows within your chosen region. ^

This can be helpful if you want to stay longer in one place, take spontaneous detours, or explore multiple regions without needing separate policies. Choosing the right regional cover at the time of purchase ensures you are protected across all the destinations included in your policy.

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

Before you decide whether you need budget travel insurance for your trip, you should read the PDS to check what our travel insurance will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. 

Where Is Your Next Budget Trip? 

Exploring Bali, Thailand, or Europe on a shoestring budget? Fast Cover’s budget travel insurance is made for travelers who want affordable travel insurance.
 
 
 
 
 
 
 
 
 
 
 
 

What is the Best Budget Travel Insurance?    

The best budget travel insurance isn’t just the cheapest travel insurance option; it’s the one that gives you the right balance between cost and cover. For some travellers, that means a basic policy with essential protection. For others, it’s a plan that still includes extras like cancellation cover or luggage protection.

The best cheap travel insurance for you is the one that fits your trip, your budget, and what matters most to you. Here are some key things to consider when comparing budget travel insurance options and choosing the level of cover that’s right for your journey:

Consider the Level of Cover You Need

Consider the Level of Cover You Need

When you’re travelling on a budget, it’s tempting to choose the cheapest travel insurance policy available. But the best budget travel insurance isn’t always the lowest price, it’s the one that provides the right balance between affordability and cover for your trip.

Fast Cover offers several cover levels so you can choose the one that best suits your journey, from essential medical-only cover with our Basics policy, to mid-level cover under our Standard Saver policy, and our Comprehensive policy which includes a wider range of benefits to help more unexpected situations.

When comparing options, always read the PDS, check what’s included and what the benefit limits are for each policy. Understanding the scope of cover can help you find the best cheap travel insurance for your needs.

Consider How Flexible Your Policy Is

Consider How Flexible Your Policy Is

Budget trips don’t always follow a fixed plan. You might decide to extend your stay, visit another country, or change your return date.

Some travel insurance policies can be restrictive once purchased, leaving you uncovered if your plans change, Fast Cover’s budget travel insurance gives you flexibility, you can extend your policy for up to 24 months or adjust your departure date before you leave Australia. If you add new destinations, you may also be able to extend your regional cover for an additional cost. ^

When comparing policies, check whether you can extend or adjust your cover mid-trip. Choosing a policy that adapts to your plans helps you stay protected without the cost or hassle of starting a new policy each time your itinerary changes.

Consider Your Travel Destinations and Regions

Consider Your Travel Destinations and Regions

Budget travellers often look for affordable ways to explore multiple destinations in one trip. But not every travel insurance policy automatically covers multiple countries, and buying a new policy each time can quickly add up. 

Fast Cover offers five regional options:  Worldwide, Europe, Asia, South Pacific, and New Zealand, so you can select the one that best matches your route. 

When comparing travel insurance options, look for policies that offer regional flexibility and allow you to travel freely within your chosen region, ideal for budget travellers with flexible or evolving itineraries. ^ 

Consider the Activities You’ll Be Doing

Consider the Activities You’ll Be Doing

Travelling on a budget doesn’t mean missing out on adventure. Whether it’s high-altitude hiking, quad biking or renting a scooter to explore a new city, it’s important to know if your travel insurance covers these activities.

Many budget travel insurance policies may not automatically provide cover for adventure or motorbike-related activities, which could leave you paying out of pocket if something goes wrong.

When comparing policies, check if they already cover these activities or have the option to add extra cover for them.

Fast Cover’s Standard Saver policy is considered a budget option that offers optional extras such as the Adventure Pack and Motorcycle Pack, so you can tailor your cover and only add extras when you need them. ^

Consider Medical Assistance

Consider Medical Assistance

Getting sick or injured while travelling can be stressful and costly especially when you’re on a tight budget. Even a short hospital visit or doctor’s consultation overseas can add up quickly, and in some countries, you may need to pay in full before receiving treatment.

When comparing budget travel insurance, look at the medical benefits included, their limits, and whether 24/7 emergency medical assistance is included. Choosing a policy that offers reliable medical help when you need it most can save you both money and stress during your trip.

Both of Fast Cover’s budget travel insurance options including the Basics medical-only policy and Standard Saver policy provides unlimited cover for:

  • overseas 24/7 emergency medical assistance
  • overseas emergency medical and hospital expenses, and
  • overseas emergency medical evacuation and repatriation

in circumstances covered under the policy. ^

These are just some of the factors you might wish to consider when reviewing the best budget 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 budget 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 Budget Travel Insurance Benefits 

Depending on the level of cover you choose, Fast Cover’s budget travel insurance gives you access to a range of benefits designed to fit your trip and your budget. Each policy offers different levels of cover to help you prepare for and manage unexpected medical or financial events while you’re away. 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 Budget Travel Insurance?  

It’s important to understand not only what our budget 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.

Here are some examples of when cover may not be available. Always check the PDS and TMD to understand the policy terms, conditions, exclusions, limits and sub limits before making your decision to buy.

If you become injured while breaking the law

If you become injured while breaking the law

If you are injured while breaking the law overseas, your travel insurance policy is unlikely to cover the incident. For example, this may include situations such as riding a motorcycle without the required licence or helmet, driving without the correct permit, or being under the influence of alcohol or drugs while operating a vehicle.

Laws vary significantly between countries. What may be legal in Australia could be restricted or prohibited elsewhere. For example, in some destinations, riding a scooter without the correct international licence may result in fines or loss of insurance cover. Always check local laws before your trip, especially if your family plans to hire vehicles overseas.

If you are intoxicated or have taken illicit drugs or prohibited substances

If you are intoxicated or have taken illicit drugs or prohibited substances

Whilst it may not be illegal to have a drink overseas, alcohol consumption laws vary from country to country, and between regions within some countries. Make sure to research your travel destinations and follow the local laws. Keep in mind that if you’ve drunk alcohol excessively, there are certain exclusions that may likely apply to your travel insurance policy. As an example, if you’re under the influence of alcohol and you stumble and hurt yourself, you may not have cover under your policy.

Certain drugs are illegal in some countries, and you may not be covered by your travel insurance policy when you’ve consumed drugs or been involved in drug related activities.

If you take part in activities not covered by your policy

If you take part in activities not covered by your policy

If you are injured in an accident while, for example, riding a motorcycle, and you didn’t add the Motorcycle Pack to your travel insurance policy, you may be responsible for paying your medical and hospital expenses because you did not choose to include cover for that under your policy.

It is important to think about what activities your family will be participating in so that you have the right cover for the activities you plan to do overseas.

Unsupervised belongings

Unsupervised belongings

If your belongings are stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your wallet and passport inside it on the beach while you go for a swim, this may be considered leaving your belongings unattended, in which case you may not be covered.

Make sure you keep your belongings with you at all times or keep them in a secure location or take reasonable measures to secure them at all times and at all places.

Regular medical or dental check-ups

Regular medical or dental check-ups

Budget travel insurance doesn’t cover routine check-ups, dental cleanings, or repeat prescriptions that could have been arranged before leaving Australia. If you take medication for asthma, allergies, or other regular treatments, bring enough for the whole trip. Only unexpected medical emergencies may be covered, depending on your policy. ^

Ignoring official warnings

Ignoring official warnings

Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase.

Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.

Known events

Known events

Known events are considered as serious situations, from natural disasters like earthquakes and volcanic eruptions, to disease outbreaks, which can affect your holiday plans and also the cover on your overseas travel insurance policy.  

If you buy your budget travel insurance after an event is a known event, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for your overseas travel destination as well as information on the official government Smartraveller website so you know where you stand with regards to the cover that you will have on your international travel insurance policy.

Disappointing holidays

Disappointing holidays

Perhaps the weather was bad, the tourist attractions were too crowded, or your accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your budget trip has shaped up, your travel insurance policy is not intended to compensate you because you didn’t enjoy your time there.

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. 

Why Choose Fast Cover for your Next 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 From over 2,559 reviews reviews†
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4.6
From over From over 2,426 reviews reviews°
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What Our Travellers Are Saying 

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

FAQs about Budget Travel Insurance

Add-on packs such as the Adventure Pack, Bicycle Pack, and Motorcycle Pack may be purchased while you’re already travelling, provided that: 

  • You have not yet started the activity the add-on pack covers, and 
  • You do not intend to make a claim for an event that has already occurred. 

Once the additional premium is paid and the add-on is added to your policy, cover will only apply from the time the add-on is included and not for any past events or activities. 

If you are purchasing an already overseas policy with add-on included the policy along with add on packs added will starts 48 hours after the policy purchase.  

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. 

Travel plans don’t always go the way we expect! If your trip details change, just get in touch with Fast Cover as soon as possible so we can update your policy. If your policy isn’t updated to match your new travel arrangements, you might not be covered for your revised trip. 

You can usually update things like: 

  • Your travel dates 
  • Your destination 
  • Adding extra cover (e.g. Adventure Pack, Motorcycle Pack, Rental Vehicle Insurance Excess, or Bicycle Pack) 
  • Cover for valuable items 
  • Your Standard Excess 
  • Or even upgrading your policy 

You can reach out to us on 1300 409 322 or send us an email on info@fastcover.com.au 

If your plans have changed and you need to make a claim, simply visit fastcover.com.au/claims for more information and support. 

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 offers flexible payment options, including Buy Now Pay Later (BNPL) with providers like ZIP and PayPal Pay in 4. Just select your BNPL option at checkout and follow the prompts to complete your purchase. 

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. 

You can buy a Fast Cover travel insurance policy anytime from up to 12 months before your trip right up until the day you depart. We also offer Already Overseas policy with certain terms and conditions.

If you wish to be covered for Trip Cancellation benefit, you may purchase the policy earlier as the benefit starts from the moment you buy your policy (note: this benefit isn’t available under the Basics policy). Not all benefits apply to all policies, so always review the PDS and TMD before deciding to buy.

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’re an Australian citizen or permanent resident, you don’t need to hold a return ticket for your policy to be valid, but your trip must end in Australia. When buying your policy, you can simply enter the date you plan to return home as your “Return Date.” This sets the length of your cover. Policies can be extended online while overseas, but they cannot be shortened once issued. 

If you’re a temporary resident of Australia, for example, non-Australian citizen or non-permanent resident, you must hold a valid return ticket to Australia at the time of purchase. This is one of the eligibility requirements for purchasing a Fast Cover travel insurance policy. 

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. 

Your travel insurance policy will end on the Return Date you chose when purchasing it. All benefits stop on that date, whether you return home as planned or remain overseas. 

It’s important to keep track of your expiry date while travelling. If you decide to stay overseas longer and wish to still be covered, you’ll need to extend your policy before it expires if you want cover for the additional period. You can do this by logging into your policy online or contacting Fast Cover during business hours, just remember to factor in time zone differences when arranging your extension.  

Please note that if you choose to not extend your cover, cover will not apply to dates that are not listed on your Certificate of Insurance.  

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. 

You can buy travel insurance after booking your flight, as long as it’s before your trip begins. Policies can be issued right up until the day of departure, even just before boarding, provided you meet eligibility criteria and no claimable event has already occurred. 

Keep in mind that some benefits, like Trip Cancellation benefit, are only available if your policy was purchased before the event that caused the cancellation. Waiting too long may limit the benefits available to you. 

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. 

 

Travel Tips and Trends 

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

Avoiding Common Scams: Helpful tips for Australian Travellers to Watch Out For

Learn about common travel scams targeting Australian tourists and how to avoid them. From motorbike scams in Southeast Asia to taxi scams across the world. ~

Essentials Tips On What To Pack in Your Carry-on Luggage

Learn the essential tips on what to pack in your carry-on luggage for your next trip. ~

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. See below for full T&Cs. 

† Fast Cover has a referral arrangement with this company. Ratings and awards are only one factor to be considered when deciding whether this product is right for you. Ratings are accurate as at 18/12/25. Check Product Review and Google for current ratings.  

° Ratings are only one factor to be considered when deciding whether this product is right for you. Ratings are accurate as at 18/12/25. Check Google for current ratings.  

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

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