Comprehensive Travel Insurance | Fast Cover

Domestic

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

Not included

New Zealand

New Zealand

Not included

Pacific

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

Not included

Asia

All Asian countries including Japan.

Not included

Europe

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

Not included

Worldwide

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

Not included
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Cover for an unlimited number of trips over a 12 month period*.
Available to travellers 64 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 famous landmarks and museums in Europe, going on a road trip across the USA, sampling the culinary delights of Asia, or cruising the icy waters of Alaska, getting a suitable insurance policy should also be at the top of your to-do travel list. 

Everyone wants holidays to go smoothly, but who knows what emergencies may arise?

What if you slip over on the cobblestones in France and injure yourself, or a volcanic ash cloud results in your flights home from Bali being cancelled, or you have your bag snatched in Brazil?

It’s great peace of mind to know you'll have someone on your side as well as cover for those unexpected expenses in case something does go wrong.

That’s where Fast Cover’s Comprehensive travel insurance comes in!

Why should you get Comprehensive travel insurance?

Our Comprehensive policy not only offers great cover for your cancellation costs if you can’t travel due to a medical reason, but you’ll also be covered for a wide range of different situations that can happen anywhere in the world.

The Comprehensive policy includes our highest level of cover for luggage and personal belongings, travel delays and alternative transport expenses, plus a high level of income protection, cover for permanent disability and accidental death.

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 need to buy a few essential items to tie you over, our Comprehensive policy can help you out there too.

Who should purchase Comprehensive travel insurance?

Fast Cover’s Comprehensive travel insurance policy has the largest variety of benefits and also offers our highest dollar amount of cover for each benefit.

It's designed for travellers who want to make sure that they have the top level of cover for their holiday and is ideal for all travellers, including:

  • Solo travellers
  • Couples
  • Friends
  • Families
  • Retirees
  • Seniors
  • Volunteers
  • Business travellers
  • Flashpackers
  • Working holiday travellers
  • Adventurers

No matter where you're headed, our Comprehensive travel insurance will give you the confidence of knowing you have the top level of cover available.

What is the difference between Comprehensive and Standard Saver cover?

Our Comprehensive travel insurance offers several unique benefits that are not included in the Standard Saver policy.

The table below will help you to compare the different benefits and limits of our Comprehensive and Standard Saver policies:

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 home (per person)

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

Overseas 24/7 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 24/7 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 24/7 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 24/7 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 24/7 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^

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Medical & Hospital Expenses^

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

Overseas Emergency Medical & Hospital Expenses^

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

Overseas Emergency Medical & Hospital Expenses^

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

Overseas Emergency Medical & Hospital Expenses^

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

Overseas Emergency Medical & Hospital Expenses^


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

Overseas Emergency Dental

$500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Evacuation

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

Overseas Emergency Evacuation

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

Overseas Emergency Evacuation

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

Overseas Emergency Evacuation

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

Overseas Emergency Evacuation


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

Overseas Hospital Cash Payment^

sub-limits:

––– ––– ––– $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 $5,000

Loss of Income^

sub-limits:

––– ––– ––– $10,000 $10,000 $10,000

Weekly Limit (per person) - up to 25 weeks

$400 $400 $400

Financial Benefits

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

Trip Cancellation Expenses

sub-limits:

––– Unlimited $15,000 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

Trip Cancellation Expenses

sub-limits:

––– $40,000 $15,000/td> $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

Trip Cancellation Expenses

sub-limits:

––– $30,000 $15,000 $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

Trip Cancellation Expenses

Travellers Aged 80 to 89:

sub-limits:

––– Unlimited
$40,000
Unlimited
$15,000
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

Trip Cancellation Expenses

Travellers Aged 90 and above:

sub-limits:

––– Unlimited
$30,000
Unlimited
$15,000
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

Trip Cancellation Expenses

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

sub-limits:

–––
$40,000
$30,000

$15,000
$15,000

$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

$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

Relatives with a Pre-existing Medical Condition

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

Trip Resumption Expenses

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

Luggage & Personal Effects

sub-limits:

Optional $7,500 $5,000 $10,000 $10,000 $10,000

Personal computers,video recorders or cameras (per item)

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

Mobile phones and 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

Alternative Transport Expenses

––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle 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

Delay of Luggage and Personal Effects^

––– ––– ––– $500 $500 $500

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

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 Product Disclosure Statement for full details. ^ Cover under these Benefits are excluded while travelling within Australia.

Optional extras for Comprehensive insurance

However you plan to travel, our travel insurance policies are designed to be flexible so you can customise the level of cover to best suit your trip.

The Comprehensive policy allows you to add on the following options:

  • Rental Vehicle Excess Insurance up to $8,000 AUD.
  • The Adventure Pack to cover a list of extra sports and activities.
  • The Golf Pack to cover your own clubs, replacement hire equipment and green fees.
  • The Bicycle Pack if you're taking your own bicycle that is less than 3 years old and valued over $1,500 AUD.
  • Increased cover for High Value Items.

 

Golf Pack Benefits

Benefit

Golf Pack

$2,500

Own Equipment

$2,000

Hire Equipment

$1,500

Green Fees

$500

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.

Bicycle Pack add on

Benefit

Bicycles

Up to a maximum of $15,000

(per bicycle)

$5,000

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 travel insurance with Fast Cover?

We understand that buying travel insurance is not exactly the most thrilling part of planning a holiday, so we've made it as fast and simple as possible so you can get back to more exciting things like booking your tours and activities!

If you're headed off on a worldwide cruise or backpacking adventure across multiple continents, you don't need to list every single country on your itinerary.

We've simplified things by categorising all countries into several regions, so all you have to do is select the highest region that suits your trip and you'll automatically be covered for travel to every country within that region, plus the regions below it.

And, because we automatically cover a set list of 43 Pre-Existing Medical Conditions, there's no need to waste time filling out a lengthy medical history form.

We also offer a "no questions asked" money back guarantee on every Fast Cover policy. As long you have not started your journey and don't need to use the policy to make a claim, you can get a full refund on your premium within 14 days of the purchase date.

Compare our Comprehensive travel insurance to other similar policies and we're confident you’ll find that we provide great cover at a competitive price.

It's high-quality Comprehensive travel insurance made simple and affordable.​

Example Incidents~

George’s Cruise Catastrophe

89-year-old George was on a month-long cruise to the United States when he slipped on wet decking and broke his hip. The Fast Cover emergency assistance team arranged for him to be repatriated back to his home in Australia under medical supervision, coordinated his flights and transfers, and covered the cost of his medical treatment at over $81,000 AUD in total. As he had a Comprehensive policy in place, he was also reimbursed for the unused portion of his cruise holiday and related expenses.

 

Harry’s Holiday Heartache

Harry and his wife flew into the United Arab Emirates after disembarking from a cruise in Copenhagen. Harry had been feeling unwell and needed to visit the doctor four times during the cruise. In Dubai he suffered a heart attack and was admitted to hospital for emergency medical treatment. As he had no history of heart disease, his Fast Cover policy paid for the medical expenses as well as their rescheduled flights, accommodation and related additional expenses at a total cost of over $21,000 AUD.

Traveller Testimonials

Great service

This is my third policy with Fast Cover. I find them easy to apply for even though I'm 'internet phobic'. The price is great, the policy is reliable, and the service is great - even when you have to claim!

Charmaine – Productreview.com.au

 

Great result

We had to cancel our trip to Europe for health reasons and Fast Cover refunded almost all of our outlay. Great relief and will always use them in future. Good value.

Noel – Productreview.com.au

 

Excellent response and outcome, will use again

After being robbed in Italy of passports, credit cards and basically everything we needed on the morning we due to fly home, we were devastated and worried what our insurance would cover. We needn't have been! We were reimbursed for almost everything including new passports, taxi fares, two days living expenses and best of all full reimbursement of our airfares home including our upgrade to business class which we bought just a few days before we were due to fly home.

Ross – Productreview.com.au

 

Ready to get a quote?

~Traveller details have been changed to protect their privacy. Claims examples are from Fast Cover travel insurance customers from 1 July 2013 to 30 June 2016.

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. 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.

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