Travel Alert: Cover excluded for COVID-19 except AUS/NZ with optional COVID-19 Pack or selected countries with "Do Not Travel" advice.

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 the widest 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, finding 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.

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 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:

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:

  • The Motorcycle Pack if you're planning on riding a moped, scooter or motorcycle.
  • Rental Vehicle Excess Insurance up to $8,000 AUD.
  • The Adventure Pack to cover a list of extra sports and activities.
  • 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.


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 be covered for travel to every country within that region, plus the regions below it.

And, because we cover a set list of 43 Pre-Existing Medical Conditions (please refer to the PDS for terms and conditions that may apply), 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 as you haven't started your trip and you 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~

Clive’s Cruise Catastrophe

89-year-old Clive 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.


Calvin's Cancellation & Travel Documents Covered

Calvin and his daughter’s travel documents were damaged when their accommodation in Namibia flooded the day before they were due to fly out. Unable to leave the country, they were forced to cancel their scheduled flights and find additional accommodation while organising replacement documentation. Their travel insurance covered the cancellation expenses as well as the cost of obtaining emergency passports, and even arranged a new flight home at a total cost of $1,700 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 –


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 –


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 –


~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.

↟Based on 365 day Comprehensive policy to New Zealand region for a single traveller 50 years old or younger with $200 excess

Things you need to know

* See Product Disclosure Statement and the COVID-19 Pack Document for full terms and conditions and exclusions and limits that apply. For travellers aged 80 and over, additional terms and conditions, limits and excesses 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.

2 5% saving is based on the cost of a Duo policy versus the cost of two single policies. Excess reduction discount based on excess reduction cost under a Duo policy versus cost under two single policies. Duo policies do not provide cover for any dependent children.

3 Children or dependants under 21 years old and not in full time employment covered for free when travelling with an insured adult. Excludes Duo policies.

4 Price based on an 18 day Basics policy to Pacific region for Single traveller aged 50 years old or younger with $200 excess.

5 Additional terms and conditions, limits and excesses apply to travellers aged 80-89.

6 Must be accompanied by a professional instructor or guide.