Overseas Comprehensive Travel Insurance | Fast Cover
^10% discount applies to standard premiums for all plans. Discount available 5/12/16 - 24/12/16. Not to be used in conjunction with any other offer.
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Domestic

All of Australia including Lord Howe Island, Thursday Island, Christmas Island, Cocos Island and Norfolk Island

Not included

Pacific

Bali, Indonesia, New Zealand & South Pacific. (Choose Worldwide for Hawaii)

Not included

Asia

All Asian countries except Japan. (Choose Worldwide for Japan)

Not included

Europe

All European countries
(including Turkey) and the Russian Federation.

Not included

Worldwide

All countries including North & South America (including Hawaii), Japan, Middle East, Africa & Antarctica.

Not included
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Children under 21 covered free of additional charge* ?
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Cover for an unlimited number of trips over a 12 month period*.
Available to travellers 59 and under.

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Comprehensive Travel Insurance

Every traveller is different, and so is every holiday. It’s always exciting to plan out where you’re going to go, how you’re going to get there and what you’re going to do. But whether you’re touring Europe, going on a road trip in the USA, sampling the culinary delights in Asia or cruising along the Danube, you’ll also need to plan to get travel insurance to cover you, in case anything unexpected happens. 

Everyone wants holidays to go smoothly, but who knows what emergencies may arise? What if you trip on the cobblestones in France and injure yourself, a hurricane results in your flight being cancelled or you have your camera stolen whilst haggling in Vietnam? It’ll be handy to have someone on your side. And that’s where Fast Cover’s Comprehensive travel insurance comes in. It allows you to travel with peace of mind, knowing that cover is provided by our best policy.  

Why should you get our comprehensive cover?

Our Comprehensive policy not only offers you cover* for your medical expenses and cancellation costs if you can’t travel, but you’re also covered for a wide range of situations that no one wants to be in.

Perhaps you need extra cover for more luggage, income protection, permanent disability or accidental death benefits? And if you miss your connecting flight due to natural disaster and you’re stuck in transit or the airline misplaces your luggage and you just need a few essential items to get you through, our Comprehensive policy can help you out.* 

Who should purchase Comprehensive Travel Insurance?

Fast Cover’s Comprehensive Travel Insurance policy offers our highest level of cover and also our highest dollar amount of cover for each benefit. So our Comprehensive cover is ideal for people who want to make sure that they have the best level of cover for their holiday, whether travelling alone, as a couple, with family or friends. 

What is the difference between our Comprehensive and Standard cover?

Our Comprehensive Travel Insurance offers a wide range of unique benefits in the event of complications or emergencies while you’re travelling. 

The table below shows you the benefits of our Standard, Comprehensive and Comprehensive with Snow Cover policies and what they include:

Medical Benefits

Medical Only Domestic Standard Comprehensive Comprehensive Snow Multi Trip

Overseas Emergency Medical Assistance^

sub-limits:

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 Assistance^

sub-limits:

$40,000 ––– $40,000 $40,000 $40,000 –––

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

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

Overseas Emergency Medical Assistance^

sub-limits:

$30,000 ––– $30,000 $30,000 $30,000 –––

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

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

Overseas Emergency Medical Assistance^

sub-limits:

Unlimited
$40,000
––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
–––

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

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

Overseas Emergency Medical Assistance^

sub-limits:

Unlimited
$30,000
––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
–––

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

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

Overseas Emergency Medical Assistance^

sub-limits:


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

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^

sub-limits:

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

$40,000 ––– $40,000 $40,000 $40,000 $40,000

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

$30,000 ––– $30,000 $30,000 $30,000 $30,000

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

Unlimited
$40,000
––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

Unlimited
$30,000
––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
–––

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Hospital Cash Allowance^^

sub-limits:

––– ––– $2,500 $5,000 $5,000 $5,000

Daily Limit (per person)

$50 $50 $50 $50

Accidental Death

sub-limits:

––– $25,000 ––– $25,000 $25,000 $25,000

Death of a Dependant (per Dependant)

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

Permanent Disability^^

sub-limits:

––– ––– ––– $25,000 $25,000 $25,000

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

Medical Only Domestic Standard Comprehensive Comprehensive Snow Multi Trip

Cancellation Fees & Lost Deposits

sub-limits:

––– Unlimited Unlimited Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

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

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $2,000 $2,000

Cancellation Fees & Lost Deposits

sub-limits:

––– $40,000 $40,000 $40,000 ––– –––

Travel Agents Cancellation Fees

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

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Cancellation Fees & Lost Deposits

sub-limits:

––– $30,000 $30,000 $30,000 ––– –––

Travel Agents Cancellation Fees

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

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Cancellation Fees & Lost Deposits

Travellers Aged 80 to 89:

sub-limits:

––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
––– –––

Travel Agents Cancellation Fees

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

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Cancellation Fees & Lost Deposits

Travellers Aged 90 and above:

sub-limits:

––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
––– –––

Travel Agents Cancellation Fees

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

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Cancellation Fees & Lost Deposits

Travellers Aged 80 to 89:
Travellers Aged 90 and above:

sub-limits:

–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
––– –––

Travel Agents Cancellation Fees

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

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Personal Liability

$2,500,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Additional Expenses

sub-limits:

––– $50,000 $30,000 $50,000 $50,000 $50,000

Resumption of Journey

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

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $2,000 $2,000

Luggage & Personal Effects

sub-limits:

––– $7,500 $5,000 $7,500 $7,500 $7,500

Personal computers,video recorders or cameras (per item)

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

Mobile phones (including PDAs and any items with phone capabilities) (per item)

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

All other unspecified items (per item)

$750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unoccupied vehicle during daylight hours (limit of $200 per item applies)

$2,000 $2,000 $2,000 $2,000 $2,000

Travel Documents, Credit Cards & Travellers Cheques^^

––– ––– $2,000 $5,000 $5,000 $5,000

Alternative Transport Expenses

––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Insurance Excess

sub-limits:

––– $5,000 Optional Optional 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

Luggage & Personal Effects Delay Expenses^^

––– ––– ––– $250 $250 $250

Theft of Cash^^

––– ––– ––– $250 $250 $250

Snow Sports Benefits

Medical Only Domestic Standard Comprehensive Comprehensive Snow Multi Trip

Snow Sport Overseas Emergency Medical Assistance

sub-limits:

––– ––– ––– ––– Unlimited –––

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

$15,000

Snow Sport Overseas Emergency Medical & Hospital Expenses^^

sub-limits:

––– ––– ––– ––– Unlimited –––

Emergency Dental Expenses (per person)

$500

Own Snow Sport Equipment

––– $1,500 ––– ––– $1,500 –––

Snow Sport Equipment Hire

––– $1,500 ––– ––– $1,500 –––

Snow Ski Pack

––– $750 ––– ––– $750 –––

Piste Closure

sub-limits:

––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

$100 $100

Bad Weather & Avalanche Closure

––– $750 ––– ––– $750 –––

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. 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 table of benefits in the PDS for full details.

 

^There is no cover under these Policy Sections while travelling in Australia. There is cover under these Policy Sections while travelling on a domestic cruise in Australian waters where you have purchased Plans A, S or B (selecting Region 3) or Plan M. Refer to the "Geographical Regions" section of this PDS for details (pages 12 to 13). ^^ There is no cover under these Policy Sections while travelling in Australia - refer to the "Geographical Regions" section of this PDS for details (pages 12 to 13).

What if my holiday isn’t just a standard holiday?

However you want to travel, our Comprehensive travel insurance policies provide you with the choice to pick your add-ons and customise your policy for your trip. 

Our Comprehensive policies allows you to add on the following to tailor your policy to suit your holiday:

  • Snow ski and snowboarding cover
  • Increase cover for any special items that you may need to take with you on your holiday

You can customise your holiday even more by choosing the following add-ons:

  • Rental vehicle excess cover if you are planning on hiring a rental vehicle on your trip
  • Adventure pack for the adrenalin junkies if the 35 plus adventure activities we automatically cover aren’t enough
  • Golf pack to cover your golfing equipment and green fees
  • Bicycle pack to cover your bike

Golf Pack Benefits

Benefit
Own Golf Equipment

$2,000

Stolen Golf Equipment owned by you and left in a motor vehicle is only covered during daylight hours and must have been left in a concealed storage compartment of a locked motor vehicle, and forced entry must have been made. The most we will pay is $200 for each item.

$1,000
Golf Equipment Hire

$1,500
Golf Green Fees

$500
Hole in One

$250

Please note: This is only a summary of benefits. Exclusions and sub-limits apply to each cover type. For a full table of benefits please see the PDS.

Why get Comprehensive Insurance with Fast Cover?

  • Fast Cover, in partnership with Allianz Global Assistance, provides a Comprehensive policy that offers you wide-ranging benefits.
  • You don’t have to fill out a medical assessment when you take out a policy.
  • We automatically cover 44 pre-existing medical conditions

We also offer a 14 day “no questions asked money back guarantee” cooling off period from when your policy is issued. As long you have not started your Journey and you do not want to make a claim or to exercise any other right under the policy, you can get a full refund should your plans change or you just change your mind.  

Compare our Comprehensive Travel Insurance policy to other policies and you’ll find that we provide great cover at a competitive price. Its travel insurance made simple and affordable. 

 

Why Choose Us?

Uncapped medical & hospital cover. 3 *

Travel with confidence knowing our Emergency Medical Assistance is uncapped. 4 *

The earlier you buy travel insurance, the earlier we can provide cover for money you’ve spent on hotels, flights or tours in the event of unexpected sickness, injury, family emergencies or natural disasters. *

When you need us most, wherever you are in the world, our expert assistance is available 24 hours a day, 7 days a week. *

Ready to get a quote?

Frequently Asked Questions about Comprehensive Travel Insurance

  1. Who are the Underwriters of Fast Cover?

    Allianz underwrites our policies, and Allianz Global Assistance provides the Emergency Assistance 24 hours a day, 7 days a week. Allianz and Allianz Global Assistance are both part of the global Allianz Group.

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  2. Am I covered for Cancellation if I am in the Armed Forces (army/navy/air force) and are recalled to work unexpectedly?

    Yes, we have special provisions in place for trip Cancellations for members of the Australian Armed Forces where their pre-arranged leave is cancelled by their employer. However, if you have bought a policy where there was a high expectation of you being recalled, you may not be covered.

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  3. Can I get a policy that covers me for the Pre-Existing Medical Conditions that are not listed?

    We CANNOT cover Pre-Existing Medical Conditions that are NOT on our list of Automatically covered Pre-Existing Medical Conditions.

     

    Please contact Allianz Global Assistance on 02 9998 7854, they may be able to take you through a medical assessment over the phone and create a travel insurance policy for your specific condition.

     

    Please note:

    1) These policies can ONLY be done on over the phone.

    2) Medical assessments can ONLY be done by the person requiring the insurance or for their dependent.

    3) They will need your medical history detailing the condition that you have and the medication you are on.

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  4. What is Rental Vehicle Excess Cover?

    The Rental Vehicle Excess cover on your policy pays the excess charged by your Rental Vehicle company should you have an accident and need to claim. This benefit DOES NOT replace the Rental Vehicle insurance that you need to take out with your Rental Vehicle company. It only covers the EXCESS component of that insurance up to your nominated amount. For instance, if you have an accident, and the cost is $10,000 to repair the vehicle, and your rental vehicle company charges you a $3,000 excess. Your policy will pay this excess, up to a maximum of your nominated amount.

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  5. Am I covered if I go on a Working Holiday?

    Yes, you are covered for both your working and non-working hours. You would NOT be covered for Loss of Income or any loss which is recoverable by compensation under any workers for an overseas job.

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Australia's most
popular destination
is NZ +

60% of overseas travel was for a holiday +

2/3 of overseas spending was for holiday +

*See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply. ^ For travellers aged 80 and over, additional terms and conditions apply. #Available with our Comprehensive policies only. **No cover is provided for pregnancy, childbirth or related complications unless it is a single, uncomplicated pregnancy up to and including 23 weeks. In any event we will not pay medical expenses for regular antenatal care, childbirth at any gestation or care of the newborn child. Complications mean any secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome.

+Statistics based on 'Travel by Australians' quarterly report for June 2013, 'Tourism Industry Facts & Figures at a Glance' September 2012, Cruise Industry Source Market Report: Australia 2013 and Fast Cover Customers

1The premium paid is refunded within 14 days after you are issued your Certificate of Insurance provided you have not started your Journey and you do not want to make a claim or to exercise any other right under the policy. 3Emergency Medical & Hospital Expenses. 4Emergency Medical Assistance. 5The cover for cancellation fees and lost deposits begins from the time the policy is issued. 6Buy a Duo policy and save 5% versus the cost of two single policies. Excess reduction discount is based on the cost of excess reduction under a Duo policy versus the cost under two single policies. Duo policies do not provide cover for any dependant children. 7Your children or grandchildren not in full time employment who are under the age of 21 and travelling with you on the Journey are included at no extra charge. 8Spouse (or legally recognised de facto) and Dependants covered for free when accompanying primary policyholder. 9Based on a 0-59 year old travelling to the Pacific region for 4 weeks, Plan E Standard with an excess of $200. 10Provided you have not been hospitalised (including any day surgery or emergency department attendance) for the condition in the 24 months prior to the time of policy issue.

Need a hand?

1300 409 322
enquiries@fastcover.com.au
Fax: (02) 8252 4710

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