Travel Insurance for Couples from $3.80/day↟ | Fast Cover

Domestic

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

Not included

Pacific

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

Not included

Asia

All Asian countries except Japan. (Choose Worldwide for Japan)

Not included

Europe

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

Not included

Worldwide

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

Not included
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Children under 21 covered free of additional charge* ?
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Cover for an unlimited number of trips over a 12 month period*.
Available to travellers 59 and under.

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Couples Travel Insurance

Who can buy Couples Travel Insurance?

 Couples Travel Insurance is designed to cover two adults who are travelling together. You can get Couples Travel Insurance for anywhere in the world for up to a year whether you’re: 

  •  Partners (married, de facto, in a new relationship or same-sex relationship)
  •  Going on your honeymoon
  •  Seniors
  •  Backpacking together across the globe
  •  A couple travelling for work
  •  A couple seeking an adventurous holiday
  •  A couple going on a skiing or snowboarding holiday

And if you’re enjoying yourselves too much and decide to stay longer, just apply to extend your policy and enjoy!

Whether you’re planning a luxury getaway or to stretch every dollar while backpacking, we offer different levels of policies for you and your travelling partner.

What are the benefits of Couples Travel Insurance?

Great Value Cover

With Couples Travel Insurance, both of you are covered as if you were insured separately (excluding Rental Vehicle Insurance Excess) so each of you receive our Single benefit limits*.

Depending on which one of our great value policies you choose for your trip, we offer*:

  • Unlimited Cancellation
  • Unlimited Emergency Medical Assistance and Hospital Expenses cover
  • Cover for your luggage and belongings if they’re lost, stolen or damaged
  • Cover if your transport is delayed or you miss your connecting flight – we’ll pay the extra expenses you incur if you can’t get to your planned destination as planned.
  • Flexible add on options to suit your type of trip

One Policy

We make Couples Travel Insurance simple, there’s only one policy, meaning there’s only one policy number and one phone number to take with you when you travel.

Save Money

You also save money when you buy insurance as a couple. All of our Couples Travel Insurance policies get a 5% discount and 50% off the excess reduction.6

Automatic Cover For Pre-Existing Medical Conditions

To make it simple and fast, we eliminate the need for medical assessments by providing automatic cover for 44 pre-existing medical conditions.* See our Travel Insurance for Pre-Existing Medical Conditions page for more details. 

Medical Benefits

Medical Only Domestic Standard Comprehensive Comprehensive Snow Multi Trip

Overseas 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 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 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 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 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 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^

sub-limits:

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

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

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

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

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

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

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

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

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Hospital Cash Allowance^^

sub-limits:

––– ––– $2,500 $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

Loss of Income^^

sub-limits:

––– ––– ––– $10,400 $10,400 $10,400

Weekly Limit (per person) - up to 26 weeks

$400 $400 $400

Financial Benefits

Medical Only Domestic Standard Comprehensive Comprehensive Snow Multi Trip

Cancellation Fees & Lost Deposits

sub-limits:

––– Unlimited Unlimited 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

Cancellation Fees & Lost Deposits

sub-limits:

––– $40,000 $40,000 $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

Cancellation Fees & Lost Deposits

sub-limits:

––– $30,000 $30,000 $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

Cancellation Fees & Lost Deposits

Travellers Aged 80 to 89:

sub-limits:

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

Cancellation Fees & Lost Deposits

Travellers Aged 90 and above:

sub-limits:

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

Cancellation Fees & Lost Deposits

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

sub-limits:

–––
$40,000
$30,000

$40,000
$30,000

$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

$2,500,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Additional Expenses

sub-limits:

––– $50,000 $30,000 $50,000 $50,000 $50,000

Resumption of Journey

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

Relatives with a Pre-existing Medical Condition

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

Luggage & Personal Effects

sub-limits:

––– $7,500 $5,000 $7,500 $7,500 $7,500

Personal computers,video recorders or cameras (per item)

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

Mobile phones (including PDAs and any items with phone capabilities) (per item)

$1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

$750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unoccupied vehicle during daylight hours (limit of $200 per item applies)

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

Travel Documents, Credit Cards & Travellers Cheques^^

––– ––– $2,000 $5,000 $5,000 $5,000

Alternative Transport Expenses

––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Insurance 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

Luggage & Personal Effects Delay Expenses^^

––– ––– ––– $250 $250 $250

Theft of Cash^^

––– ––– ––– $250 $250 $250

Snow Sports Benefits

Medical Only Domestic Standard Comprehensive Comprehensive Snow Multi Trip

Snow Sport Overseas Emergency Medical Assistance

sub-limits:

––– ––– ––– ––– Unlimited –––

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000

Snow Sport Overseas Emergency Medical & Hospital Expenses^^

sub-limits:

––– ––– ––– ––– Unlimited –––

Emergency Dental Expenses (per person)

$500

Own Snow Sport Equipment

––– $1,500 ––– ––– $1,500 –––

Snow Sport Equipment Hire

––– $1,500 ––– ––– $1,500 –––

Snow Ski Pack

––– $750 ––– ––– $750 –––

Piste Closure

sub-limits:

––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

$100 $100

Bad Weather & Avalanche Closure

––– $750 ––– ––– $750 –––

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 table of benefits in the PDS for full details.

 

^There is no cover under these Policy Sections while travelling in Australia. There is cover under these Policy Sections while travelling on a domestic cruise in Australian waters where you have purchased Plans A, S or B (selecting Region 3) or Plan M. Refer to the "Geographical Regions" section of this PDS for details (pages 12 to 13). ^^ There is no cover under these Policy Sections while travelling in Australia - refer to the "Geographical Regions" section of this PDS for details (pages 12 to 13).

Cover for Skiing and Snowboarding

Planning on skiing or snowboarding? You can select our cover for snow, skiing and snowboarding activities. This provides cover for your snow equipment, piste closure, and for the unused portion of your snow/ski package if you can’t use it due to sickness or injury. Cover is provided for all sorts of snow activities - skiing, snowboarding, tobogganing, heli-skiing, snow mobile riding, cross country skiing, glacier walking and more. 

Add-ons for Couples Travel Insurance

Adventure Pack add on

We automatically cover 35 different activities in our Couples Travel Insurance, including bungee jumping, snorkelling, safari, ballooning, kayaking and many more. But if you plan to take on more heart-pumping experiences such as abseiling, caving or tandem parachuting, add on our Adventure Pack and you’re ready to go! 

Cycling and Golf add ons

If you’re planning to enjoy a game of golf together or seeing the sights on a bicycle and are taking your own golf equipment or bicycle with you on your trip, our Bicycle or Golf Pack add ons may be suitable for your travel plans. 

Oh, and if one you gets a hole in one, you’ll need to work out whether or not to share the $250 reward!

Golf Pack Benefits

Benefit
Own Golf Equipment

$2,000

Stolen Golf Equipment owned by you and left in a motor vehicle is only covered during daylight hours and must have been left in a concealed storage compartment of a locked motor vehicle, and forced entry must have been made. The most we will pay is $200 for each item.

$1,000
Golf Equipment Hire

$1,500
Golf Green Fees

$500
Hole in One

$250

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 choose Fast Cover for your next holiday together?

Fast Cover has provided specialist travel insurance to travellers of all kinds for many years. Our Couples Travel Insurance is flexible, so you can create a policy that suits both your needs.

You can travel together with confidence knowing that if you experience an emergency, you’re able to contact our Global Assistance team on the phone 24/7 wherever you are in the world.

We offer a 14 day “no questions asked money back guarantee” cooling off period. As long as you haven't commenced your journey or aren't making a claim under the policy, you can get a full refund if your plans change or even if you simply change your mind. 

Compare our Couples Travel Insurance policy to other policies and you’ll find that we provide great cover at a competitive price. It’s great value travel insurance that’s simple to understand.

 

↟Based on 18 day Medical Only Duo policy to Pacific Region for 2 adult travellers aged 50 years old or younger with $200 excess

Buy a Duo travel insurance policy with your mate, sister, brother, parent, child, cousin, work colleague... and you’ll SAVE 5% and get 50% OFF excess reduction. 6

When you need us most, wherever you are in the world, our expert assistance is available 24 hours a day, 7 days a week. *

Travel with confidence knowing your travel insurance policy is underwritten by Allianz.

The earlier you buy travel insurance, the earlier we can provide cover for money you’ve spent on hotels, flights or tours in the event of unexpected sickness, injury, family emergencies or natural disasters. *

Ready to get a quote?

Frequently Asked Questions about Couples Travel Insurance

  1. Am I covered for Quad Bike riding?

    You are NOT automatically covered. To be covered for Quad Bike riding, you will need to buy the Adventure Pack Add-on. You also must be a single rider and NOT racing Quad Bikes.

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  2. If I am overseas and need medical assistance, who do I call?

    If you have an emergency while you are travelling, contact our Emergency Assistance Team on the following numbers:

     

    AUSTRALIA 1800 010 075

    CANADA 1800 214 5514

    CHINA (NORTH) 10 800 6100 434

    CHINA (SOUTH) 10 800 261 1323

    FRANCE 0800 905 823

    GERMANY 0800 182 7635

    GREECE 00800 611 4107

    HONG KONG 800 900 389

    INDIA 0008 006 101 108

    INDONESIA 0018 036 1098

    ITALY 800 787 451

    JAPAN 0066 3386 1052

    MALAYSIA 1 800 81 5102

    NETHERLANDS 0800 023 2683

    NEW ZEALAND 0800 778 103

    SINGAPORE 800 6162 187

    SPAIN 900996115

    SWITZERLAND 0800 561 361

    THAILAND 001 8006 121 082

    UNITED KINGDOM 08000 289 270

    UNITED STATES 1866 844 4085

     

    For all other countries call reverse charge: +61 7 3305 7499

     

    You can also send the travel claims team an email on: travelclaims@allianz-assistance.com.au and also the medical team on email: medical@allianz-assistance.com.au

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  3. Are Bicycles covered?

    You will need to buy the Bicycle Pack Add-on to cover your Bicycle. Be aware that Bicycle Accessories (helmets, pumps, etc) are automatically covered under Luggage and Personal Effects and NOT covered under the Bicycle Pack Add-on.

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  4. What is Cancellation cover?

    Cancellation cover is a benefit that starts when your Certificate of Insurance is issued. If your trip is cancelled or shortened due to circumstances outside of your control, you would be covered for payments that you have already made for your trip.

     

    For example, if you unexpectedly become sick and your doctor confirms you can't travel, Cancellation Cover covers your cancellation fees and lost deposits for travel and accommodation arrangements that you have paid in advance and cannot recover in any other way.

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  5. If I have a Duo policy and one of the travellers is returning home and the other wants to extend their trip, what do we do?

    We need to create a new policy (for the extended dates only) for the traveller who wishes to extend their trip.

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  6. Do policies (including Multi-trip policies) cover homosexual (gay and lesbian) de facto relationships and families?

    Yes. We cover all types of travellers.

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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. 5The cover for cancellation fees and lost deposits begins from the time the policy is issued. 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.

Need a hand?

1300 409 322
enquiries@fastcover.com.au
Fax: (02) 8252 4710

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