Comprehensive Travel Insurance

The Comprehensive policy is considered as Fast Cover’s most popular level of cover by many and provides highest level of cover for international trips compared to Standard Saver or Basics. It includes higher benefit limits and cover for a wide range of unexpected events as listed on the PDS. 

With this policy, you’re covered for things like: 

• Unlimited overseas medical emergencies and hospital expenses (for eligible claims). 
• Trip cancellation and disruption costs if you need to cancel or rearrange travel due to an insured event. 
• Luggage and personal effects if they are lost, stolen, or damaged (with per-item limits and depreciation considerations, unless specified). 
• Travel delays or missed connections to special events. 
• Serious incidents such as accidental death, permanent disability, or loss of income following an accident due to a covered event. 
• Cover for passports, credit cards, and theft of cash as listed on the PDS 
• Personal liability cover if you’re legally responsible for injury to someone else or damage to their property. 

The Comprehensive policy can also be tailored with optional extras like Rental Vehicle Excess, Motorcycle Pack, Bicycle Pack, or Adventure Pack, depending on the type of trip you’re taking. 

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. 

It’s a common question, and the answer is that no travel insurance policy can cover every possible event. Even with Fast Cover’s top-level Comprehensive policy, there are still limits, conditions, and exclusions that apply. 

Because of this, it’s important to: 

• Review the Product Disclosure Statement (PDS) carefully to understand what is and isn’t included. 
• Use tools like search (Ctrl+F) to look up specific activities or scenarios you’re concerned about. 
• Consider whether optional extras are relevant for your trip, such as Rental Vehicle Excess or Adventure Pack. 

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.

When we describe the Comprehensive policy as our most popular, it simply means that more travellers choose this policy compared to our other options. Many people select it because it provides the highest level of cover with higher benefit limits, as compared to Standard Saver or Basics. 

“Most popular” doesn’t mean it’s automatically the right option for everyone — it just reflects what many travellers have chosen. The right policy for you depends on your trip, what you’re doing, and the level of cover you need. Always check the Product Disclosure Statement (PDS) to make sure the cover suits your circumstances. 

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. 

A Medical Condition means any bodily or physical injury, physical defect, illness, disease or other medical or dental Condition or sign or symptom of these things, the applicable person: 

• required prescription medication for or has been prescribed medication from a medical practitioner in writing for, 
• sought or received medical advice from a medical practitioner or other health care professional for, 
• had tests, investigations, care, treatment or medical attention including surgery for, 
• been admitted to hospital for (including emergency department or day surgery procedure), or 
• became aware of or which a reasonable person in the circumstances would have been aware of. 

It includes but is not limited to: 

• the suffering or treatment of mental illness, 
• a brain, heart (such as any cardiovascular or coronary heart disease or any condition related to a heart or blood vessels), kidney, liver, respiratory, circulatory (such as high blood pressure, stroke, or transient ischaemic attack), cancer or cancerous condition, 
• reduced or deficient immune system, 
• a sign or symptom of the above matters, or 
• an allergy or food intolerance, 
• a persistent and lasting condition in medicine such as constant pain or long-suffering pain or pain with a pattern of relapse and remission. 
• any conditions related to previous and current pregnancy as detailed in What is a Pregnancy Condition and in the ‘Pregnancy Cover’ section of the Product Disclosure Statement (PDS). 

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. 

The cost of Comprehensive travel insurance does not have a fixed price — it depends on your personal trip details and the level of cover you choose. Premiums are calculated based on several factors, including: 

• The destination or region you are travelling to 
• The length of your trip 
• The age of each traveller 
• The excess you choose 
• Any optional extras, such as cover for snow sports or rental vehicle excess 
• Your medical history and any existing conditions 
• When you purchase the policy in relation to your departure date 

Because of these variables, the best way to find out the exact cost for your trip is to get a personalised quote online at www.fastcover.com.au 

Comprehensive travel insurance can be purchased any time before you start your trip. The timing is up to you. Some travellers choose to buy as soon as they book flights or accommodation, while others wait until closer to departure. 

It’s important to note that the cancellation benefit begins from the moment you purchase your policy. This means that if a covered event happens after you’ve taken out cover but before you depart, you may be able to claim for cancellation costs in line with your 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. 

Choosing a Comprehensive travel insurance policy depends on your individual travel plans and what level of protection you want while overseas. Each policy outlines the benefits provided, such as medical cover, cancellation cover, luggage protection, and optional extras like snow sports or rental vehicle excess. 

The best way to decide is to review the Product Disclosure Statement (PDS), which sets out the terms, conditions, limits, and exclusions. Comparing this information with the details of your trip will help you understand which policy features may suit your needs. 

Ultimately, the choice of policy is up 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. 

If your trip hasn’t started yet, you can switch your policy either way, from Standard Saver to Comprehensive or from Comprehensive back to Standard Saver. 

If your trip has already started, you can still upgrade from Standard Saver to Comprehensive, but you won’t be able to downgrade from Comprehensive to Standard Saver. 

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 a range of travel insurance options to suit different trips and budgets.

You can choose from: 

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

Optional add-ons are also available, such as the Adventure Pack, Cruise cover, Motorcycle Pack, Bicycle Pack, and Rental Vehicle Insurance Excess. 

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. 

The best travel insurance policy depends on your destination, trip length, planned activities, health needs, and budget. Fast Cover offers different options, including: 

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

Each policy type is designed for different travel needs, so the right one for you will depend on your personal and financial circumstances and what you want covered. 

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. 

Our Comprehensive policies provide you with more cover for your trip, and the benefit limits are also higher compared to the Standard Saver policy. 

Comprehensive policies can cover you for:

• Unlimited Medical
• Trip Cancellations Costs
• Luggage and Personal Effects
• Special Event Transport Expenses
• Travel Delays. 

Standard Saver Policies can cover you for:

• Unlimited Medical
• Trip Cancellations Costs
• Luggage and Personal Effects.

Both policies are also flexible and depending on which policy you take, allows you to:

• Increase cover for specified high value items, and
• Add on additional options like Rental Vehicle Excess, Motorcycle Pack, Bicycle Pack and Adventure Pack.

For more information, refer to our Product Disclosure Statement (PDS).