Comprehensive Travel Insurance Cover

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.

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:

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

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

^* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

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Comprehensive Travel Insurance