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Comprehensive Travel Insurance

Our Comprehensive policies is the highest level of cover we offer

Comprehensive Travel Insurance

Comprehensive travel insurance is Fast Cover's most popular policy option, as it provides the highest level of cover for a wide range of unexpected situations.

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, you should consider adding 'find a suitable insurance policy' to 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?

Having travel insurance means that you may be able to be reimbursed for those unexpected expenses if something does go wrong on your holiday.

FastCover guy thinking

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 special event 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 may be able to help you out there too.

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)

 $20,000 $20,000 $20,000 $20,000 $20,000

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 $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 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 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^

 ––– ––– ––– $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 home (per person)

 $20,000 ––– $20,000 $20,000 $20,000 $20,000

COVID-19 Trip Cancellation & Disruption

––– $3,500 $3,000 $5,000 $5,000 $5,000

Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions 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.

Who should purchase Comprehensive travel insurance?

Fast Cover’s Comprehensive travel insurance policy has the largest variety of benefits and our highest dollar amount of cover for each benefit compared to the Standard Saver and Basics policies.

 

It's designed for travellers who want to make sure that they have a high level of cover for their holiday and can be suitable for:

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

No matter where you're headed, our Comprehensive travel insurance may be able to provide you with the cover that you need.

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.

 

Some of options the Comprehensive policy allows you to add on, include:

 

Adventure Pack

Cover for activities like abseiling, quad biking, hiking above 3000m and up to 6000m, scuba diving & more.

Motorcycle Pack
Cover for riding or being a passenger on a Motorcycle, moped or scooter. 
Rental Vehicle Excess Insurance

Cover for the excess payable if your rented vehicle is in an accident.

High Value Items

Separately insure high value items up to $5,000. Depreciation is not applied to these items.

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!

You can list all the countries that you're travelling to, but 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 can have cover for travel to the countries within that region, plus the regions below it. Find out more information on how to choose your travel destination, including the countries that we can't provide cover for, in our Which country or travel insurance region do I choose? page.

Planning to travel but have an existing medical condition? We may be able to help - our travel insurance can provide cover for many existing medical conditions, just in case the unexpected happens on your trip.

Check out our Medical Conditions page for more information about medical screening for your existing medical and pregnancy conditions including information about the General Exclusions that may apply*.

We also offer a money back guarantee on every Fast Cover policy if you contact us to cancel your policy within 25 days of the purchase date, as long as you haven't started your trip and you don't need to use the policy to make a claim.

Compare our Comprehensive travel insurance to other similar policies and you may find that we can provide you with great cover at a competitive price.

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

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.

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