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COVID-19 Travel Insurance Cover

Our COVID-19 travel insurance provides cover for overseas COVID-19 medical costs and medical repatriation during the pandemic. There is also cover available for trip cancellation and trip disruption due to you contracting coronavirus COVID-19.
COVID-19 Icon

6 things you need to know about COVID-19 cover

  1. Unlimited cover for overseas medical emergencies including evacuation or repatriation cover if you contract COVID-19. 
  2. Depending on the policy you choose, you can be covered for cancellation and disruption if you or your travelling companion listed on your Certificate of Insurance contract COVID-19.
  3. Prepaid trip costs and deposits you’ve already paid for your trip can be protected for up to $5,000 if your close relative under the (age of 85) is unexpectedly hospitalised with or dies from COVID-19.
  4. Medical screening available for your medical conditions.
  5. Travel restrictions including but not limited to lockdowns or state, territory or international border closures are not covered.
  6. Your COVID-19 related cover is activated 72 hours after you purchase your policy. There is no cover for COVID-19 related claims during this 72 hour no COVID-19 cover period. 

As always, cover is subject to policy terms, conditions, exclusions and limitations. Therefore you should check the PDS to decide whether this policy is right for you.

Medical doctor
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COVID-19 travel insurance benefits

Fast Cover’s COVID-19 cover is designed to cover you for certain expenses if you or your travelling companion listed on your Certificate of Insurance contract COVID-19, or a close relative (under the age of 85) who is in Australia contracts COVID-19 and is unexpectedly hospitalised or dies.

Benefit 27: COVID-19 Overseas Emergency Medical, Hospital and Medical Evacuation Expenses

This benefit provides you with medical support services if you experience a medical emergency because you contract COVID-19 while travelling overseas.

  Comprehensive Standard Saver Snow Sports Plus Basics Domestic Plus Frequent Traveller Saver
This benefit applies to
  • Expenses incurred overseas only
  • 89 years of age & under at the time of Comprehensive, Standard Saver & Basics policy purchase
  • 69 years of age & under at the time of Snow Sports Plus policy purchase
 (x) (x)
Benefit limit Unlimited  n/a  n/a
Sub limits Funeral or cremation overseas and/or bringing your remains back to your home in Australia: $20,000.   n/a  n/a
Excess* $200  n/a  n/a

*Excess applies for each claim unless you paid for the excess removal option when you purchased your policy. Your excess amount is shown on your Certificate of Insurance.

This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply. Please refer to the Product Disclosure Statement for full details.

Benefit 28: COVID-19 Trip Cancellation and Disruption

This benefit provides cover for trip cancellation and disruption because you, your travelling companion or close relative (under the age of 85) have contracted COVID-19. Depending on the policy that you choose, cover can include the following:

  • Cancellation costs if you contract COVID-19, and your COVID-19 diagnosis is confirmed by a PCR test.
  • Additional expenses if you are personally contacted by a government health authority and ordered to isolate or quarantine because you have had close contact with a person who is diagnosed with COVID-19 and who is named on your Certificate of Insurance.
  • Additional expenses if you are denied boarding your pre-paid scheduled public transport during your trip because you failed a COVID-19 screening procedure administered by the airline, bus line, shipping line or rail authority.
  • Additional expenses to return to Australia if your close relative (under the age of 85) who lives in Australia is unexpectedly hospitalised or dies from COVID-19 during your trip.
  Comprehensive Standard Saver Snow Sports Plus Domestic Plus Basics Frequent Traveller Saver
This benefit applies to
  • 89 years of age & under at the time of Comprehensive & Standard Saver policy purchase
  • 69 years of age & under at the time of Snow Sports Plus policy purchase
 89 years of age & under at the time of policy purchase. (x) (x)
Benefit limit $5,000 $3,000 $5,000  $3,500  n/a  n/a
Excess* $200  n/a  n/a

*Excess applies for each claim unless you paid for the excess removal option when you purchased your policy. Your excess amount is shown on your Certificate of Insurance.

This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply. Please refer to the Product Disclosure Statement for full details.

What can you have cover for?

Overseas emergency medical & hospital expenses

Emergency overseas medical and hospital expenses if you contract COVID-19 while on your trip.

Overseas emergency medical repatriation expenses

Medical evacuation expenses incurred by you until you get back to Australia if you're diagnosed with COVID-19.

Trip cancellation when diagnosed with COVID-19

Your trip's cancelled because you or your travelling companion listed on your Certificate of Insurance contract COVID-19, or your close relative (under the age of 85) in Australia is unexpectedly hospitalised with, or dies from COVID-19.

No cover is available under  the Basics policy for COVID-19 Trip Cancellation and Disruption benefit.

Trip disruption

Your trip's disrupted because you or your travelling companion who is listed on your policy, contract COVID-19 while travelling.

No cover is available under  the Basics policy for COVID-19 Trip Cancellation and Disruption benefit.

Denied boarding

During your trip you're denied boarding on your pre-paid scheduled public transport such as a plane or bus, because you failed a COVID-19 screening procedure administered by the airline, bus line, shipping line or rail authority.

 

Quarantine

You're personally contacted by a government health authority during your trip, and ordered to isolate or quarantine because you're a close contact of someone who has been diagnosed with COVID-19 and who is listed on your Certificate of Insurance.

Emergency childcare

A qualified childcare worker will take care of your dependants who are travelling with you, listed on your Certificate of Insurance and in your full-time care, if you've been diagnosed with COVID-19.

Family emergency

Your close relative (under the age of 85) in Australia is unexpectedly hospitalised or dies due to COVID-19.

Pre-trip and on-trip COVID-19 cover

Pre-trip COVID-19 cover

Trip cancellation cover is available if you need to cancel your trip due to COVID-19, because:

  • You contract COVID-19
  • Your travel companion who is listed on your Certificate of Insurance contracts COVID-19
  • A close relative (under the age of 85) in Australia is unexpectedly hospitalised or dies due to COVID-19

No cover is available under  the Basics policy for COVID-19 Trip Cancellation and Disruption benefit.

On-trip COVID-19 medical cover

If you're overseas and you or your travelling companion who is listed on your policy tests positive to COVID-19, there are benefits available for:

  • Overseas emergency medical and hospital expenses
  • Overseas emergency medical repatriation

There's no medical cover if you're on a domestic trip or once you return to Australia.

On-trip COVID-19 disruption cover

If you're on your trip and you, your travelling companion who is listed on your policy or a close relative in Australia contracts COVID-19, there are policy benefits available for:

  • Cancelled or shortened trips
  • Trip disruption expenses such as reasonable accommodation and travel expenses you incur until you are able to continue your trip.
  • A childcare worker to look after your dependants who are travelling with you and in your full-time care
  • Your expenses to fly home if your close relative (under the age of 85) is unexpectedly hospitalised or dies

No cover is available under  the Basics policy for COVID-19 Trip Cancellation and Disruption benefit.

Conditions and limitations applying to COVID-19 cover

  • There's no cover if you can't travel, continue with your trip, or want to cut your trip short because any government body or local health authority closes its borders or imposes any other travel restriction in a relevant area.
  • There's no cover for mandatory arrival quarantine programs, domestically or overseas, whether the quarantine is made mandatory prior to your departure or whilst on your trip. This exclusion applies even if you have been diagnosed with COVID-19 or have been personally contacted by a government health authority and ordered to isolate or quarantine because you have had contact with a person diagnosed with COVID-19.
  • Your policy is only valid if you purchase your policy before you leave your home in Australia for your overseas trip, or for domestic trips, before you leave your home. 
  • Ther is no cover for any claim where your COVID-19 diagnosis is made within 72 hours of your policy being purchased.
  • All COVID-19 diagnoses must be confirmed by a polymerase chain reaction (PCR) test.
  • There's no cover if you can't go on your trip or your trip is disrupted because:
    • You are deemed to be a close contact of someone who has been diagnosed with COVID-19
    • Someone else is diagnosed with COVID-19 or becomes unwell because of COVID-19

unless that person is named on your Certificate of Insurance.

  • As stated in the ‘General Exclusions that apply to all benefits’ in the PDS, there's no cover where a travel advisory risk rating of ‘Do Not Travel’ (or equivalent if the term is replaced) is issued by the Australian Department of Foreign Affairs and Trade before the start date of your trip.
  • If the Australian Department of Foreign Affairs and Trade issues a travel advisory risk rating of ‘Do Not Travel’ after you've commenced your trip, cover will be as per the terms and conditions of your policy.
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Does travel insurance cover the COVID-19 coronavirus?

Travel insurance can provide cover for COVID-19 related events, including cover for your:

  • Medical and hospital expenses if you contract COVID-19 while overseas.
  • Cancellation costs for your pre-booked accommodation, or your trip disruption expenses if you or your travelling companion who is listed on your policy contract COVID-19.
  • Expenses to return to Australia if your close relative in Australia is unexpectedly hospitalised or dies due to COVID-19.
  • Dependants who are travelling with you and in your full-time care, to be looked after by a childcare worker if you're not able to because you've contracted COVID-19.
Grey certificate of insurance
Can I cover just COVID-19?

While concern about COVID-19 is no doubt at the forefront of everyone's minds, other unexpected events may still occur while you're travelling, including slipping on a cobble stone and breaking your ankle, your luggage is stolen, or a natural disaster derails your travel plans.

Depending on the type of travel insurance policy that you take out, you can have cover for all the above scenarios and more on the below policies.

  • Comprehensive
  • Snow Sports Plus
  • Standard Saver
  • Domestic Plus
  • Basics
Red cross

What is not covered?

Whilst it would be ideal for travel insurance to cover every possible COVID-19 eventuality, doing so would increase the cost of a policy significantly. To be clear and upfront, below you'll find some common scenarios for the two COVID-19 benefits,

  • Benefit 27: COVID-19 Overseas Emergency Medical, Hospital and Medical Evacuation Expenses
  • Benefit 28: COVID-19 Trip Cancellation and Disruption

where we will not pay any claims, costs, or losses.

Benefit 27 scenarios not covered

We will not pay for any claims, costs, or losses arising from or related to:

  • Any claim if you purchased this policy while already overseas, or if you're going on a domestic cruise, have already left your home.
  • Any COVID-19 testing costs unless undertaken as part of your hospitalisation overseas.
  • Any claim where your COVID-19 diagnoses is made within 72 hours of your policy being issued.
  • Any Existing Medical Condition that is not included in your coverage.
  • When you have not notified us as soon as practical of your admittance to hospital.
  • Medical evacuation, funeral services or cremation or bringing your remains back to Australia unless it has been first approved by us.
  • If you decline to promptly follow our reasonable medical advice (and we also will not be responsible for subsequent medical, hospital or medical evacuation expenses).
  • The continuation or follow up of medical treatment (including medication and ongoing immunisations) that started prior to your trip.
  • After 2 weeks of treatment by a chiropractor or physiotherapist unless approved by us.
  • Medical evacuation or the transportation of your remains from Australia to an overseas country.
  • Emergency medical treatment, hospital, or medical evacuation expenses which is provided in Australia (including any gap payments).
  • If you have received medical care that is covered by a Reciprocal Health Care Agreement between Australia and your destination country.
  • Any claim if you travel overseas to any country other than listed on your Certificate of Insurance.
  • More than the applicable limits set out in the Benefit tables in the PDS.
  • Please also read General Exclusions that apply to all benefits as stated in the PDS.
Benefit 28 scenarios not covered

We will not pay for any claims, costs, or losses arising from or related to:

  • The closure of any border prior to or during your trip.
  • Any travel restriction related to a relevant area such as your home or destination. This exclusion applies even if you have been diagnosed with COVID-19 or are a contact of a person diagnosed with COVID-19.
  • Any claim if you travel overseas to any country which has a travel advisory risk rating of ‘Do Not Travel’ (or equivalent if this term is replaced) issued by the Australian Department of Foreign Affairs and Trade before the start date of your trip.
  • Any claim where you, your travelling companion or close relative's COVID-19 diagnoses is made within 72 hours of the policy being issued.
  • Any claim if you purchased this policy while already overseas, or for domestic trips, before you leave your home. 
  • Any costs without proof of the amount, and if we are reimbursing you directly, proof that you have paid it.
  • Any claim for additional accommodation or travel expenses, which occurs before your first prepaid scheduled transport, and it is reasonable for you to return to your usual place of residence.
  • Any claim arising from someone not named on your Certificate of Insurance being diagnosed with COVID-19 or being classified as a close contact, other than a close relative in Australia who is unexpectedly hospitalised in a critical condition with COVID-19, or unexpectedly dies due to COVID-19.
  • Any trip that includes travel on cruise ships unless the “cruise” option is selected at the time you took out your policy and is shown on your Certificate of Insurance.
  • You or your travelling companion changing plans or deciding not to continue with the intended trip after the imposition of any travel restriction, change in government advice or status of the number of COVID-19 cases in a relevant area.

  • Any Existing Medical Condition that is not included in your coverage.

  • Any tour operator or wholesaler, travel agent, airline or other carrier or accommodation provider cancelling any part of the trip due to any reason arising from COVID-19.
  • Any claim if you travel overseas to any country other than listed on your Certificate of Insurance.
  • Please also read General Exclusions that apply to all benefits as stated in the PDS.
PDS General Exclusion

Pandemic General Exclusion and COVID-19

The PDS includes General Exclusions which apply to your policy regardless of when you purchased your policy, and these include:

1. Cover for pandemics and epidemics only applies for specific situations under:

  • Benefit 27: COVID-19 Overseas Emergency Medical, Hospital and Medical Evacuation Expenses
  • Benefit 28: COVID-19 COVID-19 Trip Cancellation and Disruption

Any other COVID-19 claims which are not provided for under the above 2 benefits is not covered.

2. There's no cover If you don't follow the advice in the mass media or any government or other official body’s warning about a contagious disease (including an epidemic or pandemic).

3. There's no cover if you travel to a country where a travel advisory risk rating of ‘Do Not Travel’ (or equivalent if this term is replaced) was issued by the Australian Department of Foreign Affairs and Trade before the start date of your trip

4. There's no cover if you do not reasonably take appropriate action to avoid or minimise any potential claim under your policy (including delay of travel to the country or part of the country referred to in the warning).

Are border closures or lockdowns covered?

Border closures

No cover for the closure of borders

Unfortunately, we aren't able to cover state, territory and international border closures. We'd love to cover everything but your policy premium would be huge! The good news is, most airlines, hotels, cruise and tour companies are flexible if you're unable to go on your trip due to a border closure. So you wouldn't necessarily have any out of pocket travel expenses if a border was shut and you couldn't go on your holiday.  

It's a good idea to check any cancellation policies before you purchase your airline ticket, book a hotel, cruise or tour, so you know what would happen if there's a border closure. Booking direct, and with reputable travel providers can be a good idea, as they may be able to give you more options if you can't travel.

Border closures not covered

  • Australian state border closures
    • Queensland
    • New South Wales
    • South Australia
    • Tasmania
    • Victoria
    • Western Australia
  • Australian territory border closures 
    • Australian Capital Territory
    • Northern Territory
  • Closure of the Australian border 
    • Including instances such as the temporary border closure for Australians travelling from India in May 2021. 
    • International cruise ship ban of cruise ships entering Australian waters and stopping at Australian Ports.
  • Any international border 
  • Any travel restriction related to a relevant area prior to or during your trip including but not limited to border closures, lockdowns, lockouts or other travel restrictions imposed within Australia or overseas. For example:
    • Council border
    • Metropolitan area border
    • Regional area border
    • Radius from home travel restriction
    • Any type of established border within a state, territory or country.
Lockdowns

No cover for lockdowns of relevant areas

There's no cover for any government order affecting a relevant area, including but not limited to:

  • imposition of a lockdown
  • border closures
  • curfew
  • mandatory isolation or
  • quarantine requirements ordered by a government authority (local, country or otherwise).

A 'relevant area' means in an area, state or territory, a part of a state or territory, region, or a place where you or your travelling companion usually resides, have recently travelled to, are planning to travel to or are currently travelling in.

Entry restrictions

No cover for travel requirements

There's no cover for any travel restriction including but not limited to:

  • entry requirement,
  • border pass or
  • travel permit system.

Buying COVID-19 travel insurance

To buy travel insurance for COVID-19, start by getting a quote. See below for answers to some questions you may have about buying travel insurance for COVID-19.

Fast Cover Travel Insurance provides cover for trip cancellation or disruption due to Covid-19 for domestic trips, domestic cruises and selected international destinations. 

COVID-19 cover is not available for all countries or for all travellers. The country you're traveling to, your age and existing medical conditions are all considered, and used to determine if your trip is eligible for cover.

To find out if you can get travel insurance for COVID-19, simply get a fast quote to check your eligibility.

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  1. Get a quote on the Fast Cover website or call us on 1300 409 322 for a quote over the phone. 
  2. Complete the quick questionnaire including pre-existing medical conditions questions.
  3. Choose the policy that best suits your trip.
  4. Agree to the terms and conditions of the policy and purchase your policy.
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You do not need to be vaccinated for COVID-19 to apply for a Fast Cover travel insurance policy. 

However, you may wish to check any requirements of the cruise company, tour company or the visa and entry requirements for the country you're travelling to, as some may require you to provide proof of COVID-19 vaccination or a negative test for COVID-19. There are exclusions in the PDS that may apply, including claims arising from being denied boarding of any airline, shipping line or other carrier due to COVID-19 vaccination requirements, therefore you should consider the PDS to decide whether this policy is right for you.

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You are not required to perform a COVID-19 test to purchase a policy. 

All travellers may wish to check with their airline, cruise company and country they're visiting, to see if there are any vaccination, testing or travel insurance requirements.

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COVID-19 travel insurance Australia

Whether we're forced to due to the Australian border closure, or it was Hamish Blake who convinced us to 'Holiday here this year', travelling in Australia has certainly become very popular, and trying to book something can be difficult. You've probably all experienced this when you've tried to find accommodation on Booking.com² or rent a car³ on a long weekend or during school holidays. 

Australian COVID-19 cover is available if you're planning on going on a domestic trip. If your travel within Australia is affected because you, your travelling companion listed on your policy, or close relative is unexpectedly hospitalised for COVID-19 or unexpectedly dies from COVID-19, there's cover to help you with your out of pocket expenses. 

Domestic COVID-19 insurance

Domestic COVID-19 insurance provides you with cancellation and trip disruption cover if you have to cancel or amend your domestic holiday due to COVID-19.

There's no medical or evacuation cover for sickness from COVID-19 for Australian domestic trips. As with any sickness or injury, you have medical cover under Medicare and/or your private health insurance. Therefore, there's no cover for medical related expenses incurred in Australia as they are managed by the public health system.

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International COVID-19 Travel Insurance

Cover for COVID-19 may be available to international countries where the Australian Government does not have a travel ban in place for that country. If you're looking for international COVID-19 travel insurance and the Australian Government has listed the travel status for your destination on Smartaveller as one of the below statuses, get a quote and depending on your trip details, you may be eligible for a COVID-19 international travel insurance policy . 

Level 1 - Exercise normal safety precautions

Level 2 - Exercise a high degree of caution

Level 3 - Reconsider your need to travel

New Zealand COVID-19 insurance

NZ COVID-19 travel insurance is available for travel to New Zealand when the travel status is not 'Do not travel' on Smartraveller. 

COVID-19 travel insurance for New Zealand can provide pre-trip and on-trip cover when you're in New Zealand visiting family and friends or simply on holiday. 

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COVID-19 cruise travel insurance

Fast Cover cruise policies provide cover for COVID-19 to eligible travellers going on small ship cruising within Australia. You can only have cover if you select the 'cruise' option at the time you took out your policy and this is shown on your Certificate of Insurance.

Will my COVID-19 policy cover me for a cruise?

COVID-19 travel insurance can provide cover for COVID-19 for small ship cruising within Australia. You can still purchase travel insurance for a cruise as long as it does not contravene the Government cruise ban and meets any restrictions on cruise duration, passenger numbers or destinations that are stipulated in our cruise quote questions. 

Who can purchase COVID-19 travel insurance?

All different types of travellers can apply for the COVID-19 Pack including the types of travellers listed below. Simply get a quote to check your eligibility for COVID-19 cover.

Singles travellers

Solo or single travellers.

Duo travellers

Two people travelling together including spouses, couples, de facto, siblings, cousins, friends and work mates.

Seniors

Senior travellers up to the age of 89. 

 

Families

Family units including grandparents travelling with their grandchildren and multi-generational travellers.

Skiers & boarders

Travellers doing snow sports can get cover for COVID-19. 

Working holidays

Travellers who want to travel for an extended period of time and earn money whilst doing so.

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The COVID-19 pandemic

The Coronavirus (2019-nCoV) outbreak constituted an epidemic and pandemic under our travel insurance policies on the 24th January 2020.

The World Health Organisation (WHO) declared COVID-19 a pandemic on 11th Match 2020.

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The WHO named the novel coronavirus on 11th February 2020. It named it “Severe Acute Respiratory Syndrome CoronaVirus 2” or SARS-CoV-2 due to it being genetically related to the 2002 coronavirus known as SARS. Its abbreviated name is COVID-19 with the ‘CO' standing for Corona, 'VI' for Virus, 'D' for Disease and 19 for the year it was first detected, which was 2019.

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Safe travel during the COVID-19 pandemic

Even though the global pandemic remains, domestic travel has continued and international travel has recommenced. As we get back to travelling more often and further from home, it's a good idea to be as safe as we can be by getting fully vaccinated if we're eligible and practicing good COVID-19 hygiene. 

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Get vaccinated before you travel

If you're eligible, it's highly recommended you're fully vaccinated before you go travelling. This means having both vaccinations and any boosters, then waiting at least 14 days before you travel, especially if you're travelling internationally. Check your vaccine eligibility at health.gov.au and speak with your GP if you're planning any travel. 

It's also a good idea to check any countries you're travelling to as some may require you to be fully vaccinated and provide proof to enter the country.

Washing hands with water

Practice good hygiene

Wherever you're travelling to and regardless of the status of the pandemic in your travel destination, you should practice good hygiene. Even if you've already been vaccinated, you should always continue to practice good pandemic hygiene. 

You never know when an outbreak can occur and after it's occurred, it's too late to start.

10 pandemic travel hygiene tips

  1. Wash your hands regularly for more than 20 seconds.
  2. Carry and use hand sanitiser regularly.
  3. Wear a face mask when in transit such as on the plane, airports and public transport. Whilst airports do their best to separate travellers, international travellers who have contracted COVID-19 are regularly transiting through airports and into quarantine. 
  4. Wear a face mask in taxis and Ubers.
  5. Wear a face mask when instructed by local authorities and media.
  6. Follow local advice for face masks, social distancing, check-in to venues and lockdowns.
  7. Socially distance regardless of the current status of COVID-19 in your location.
  8. Monitor the media for changes in the COVID-19 situation and follow any instructions.
  9. If you experience any symptoms, get tested immediately and self isolate until you have received a negative result.
  10. Seek medical attention immediately if needed, wear a face mask, advise medical staff on arrival if you're experiencing COVID-19 like symptoms and present your Medicare card and passport in Reciprocal Health Care Agreement countries. Contact our 24/7 Emergency Assistance team if you are diagnosed with COVID-19 and admitted to hospital.

COVID-19 24/7 emergency assistance

If you contract and test positive to COVID-19, particularly when overseas and have been admitted to a hospital, you should contact our emergency assistance team immediately. You should also present your Medicare card and passport if you're in a Reciprocal Health Care Agreement country. 

Reciprocal Health Care Agreement countries

  • Australia
  • Belgium
  • England
  • Finland
  • Italy
  • Malta
  • Netherlands
  • New Zealand
  • Northern Ireland
  • Norway
  • Republic of Ireland
  • Scotland
  • Slovenia
  • Sweden
  • Wales

You should always present your Medicare Card and passport if you have to attend a medical centre or hospital for COVID-19 or any other sickness or injury.

COVID-19 claims

If your trip has been affected by you, your travelling companion or a close relative contracting COVID-19, you may be able to claim for out of pocket expenses if you have had to cancel your trip or it has been disrupted. If you're overseas and have COVID-19 related medical costs, you may also have cover, for which you can submit a claim.

If you need to make a COVID-19 claim on your travel insurance policy, please visit our claims page to lodge an online claim.

Check our COVID-19 FAQs for answers to questions you may have about what is and isn't covered and some example scenarios which you may be able to claim for.

Man looking through magnifying glass

COVID Travel Insurance FAQs

If your trip has been affected by COVID-19 and you want to change your departure and/or return dates, log into Your Policy or contact us.

You will need to make changes to your departure date before your trip starts (this is the Depart date that you selected when you purchased your policy) and your return date before your policy ends (this is the Return date that you selected when you purchased your policy). You cannot change your Depart date or Return date after they have occurred.

Please note, there may be an additional charge depending on your new travel dates.

Please refer to Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

Under our COVID-19 Trip Cancellation and Disruption benefit, there is no cover for any claims related to or arising from border closures, lockdowns, lockouts or other travel restrictions imposed within Australia or overseas.

As each individual’s circumstances are different, you should submit a claim and our claims team will make a decision based on your particular circumstances.

Please refer to Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

Claims arising from epidemics and pandemics are excluded, except those expenses that are specifically included under our COVID-19 benefits including Overseas Emergency medical, hospital and medical evacuation expenses and/or COVID-19 Trip Cancellation and Disruption expenses. Both benefits are related to you or your travelling companion listed on your Certificate of Insurance contracting COVID-19.

No cover is available under our benefits for changing or cancelling your trip if you change your mind or have concerns about COVID-19.

As each individual’s circumstances are different, you should submit a claim and our claims team will make a decision based on your particular circumstances.

See our Product Disclosure Statement for full terms, conditions, exclusions and limits that apply.

Cover under our COVID-19 benefits is only available in the event that you or your travelling companion contract COVID-19.

Cover under our Trip Cancellation Expenses benefit may be available depending on the circumstances surrounding your condition.

As each individual’s circumstances are different, you should submit a claim and our claims team will make a decision based on your particular circumstances.

Please refer to our Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

2. Referral fee arrangement exists.

This promotion is only available to Fast Cover customers. Bookings made with the Booking.com app are not eligible for this promotion. Cancelled and “no show” bookings are not eligible. The reward will be credited at least 64 calendar days after completion of stay in the accommodation. Accommodations that do not accept credit cards are not eligible for the offer. These are accommodations that only accept cash as a mode of payment and do not have a “cashback” badge displayed on their listing. The offer is subject to terms and conditions of Booking.com. In case of dispute, the decision of Booking.com and Fast Cover shall be final. All conditions of the promotion must be met at the time the booking is made; no retroactive claims will be allowed. The reward will be posted as a credit to the user's Booking Wallet (Wallet Credit). The reward can either be redeemed towards a booking, or transferred to a valid credit/debit card. The user must hold a valid account on Booking.com, and if the reward will be paid out to a credit card, they must have up-to-date valid credit card information added to the account. Wallet Credit can only be redeemed for properties that accept Booking Wallet payments. Bookings paid for with previously earned Wallet Credit may not be eligible to earn additional credit. The maximum amount of Wallet Credit that Booking.com B.V. will award is €1,000 per booking. Wallet Credit will be granted only to the user who made the booking. Wallet Credits have an expiration period as from time to time determined by Booking.com. Different expiration periods can be applied to different credits. The expiration date of each Credit is displayed on www.booking.com in the user account settings section. The complete conditions of use of the Booking Wallet and the Wallet Credit are outlined here (login required). In the event of an inconsistency or discrepancy about the contents of these summarized conditions of use then the complete conditions of use, to the extent permitted by law, shall apply, prevail, and be conclusive.

3. Referral fee arrangement exists.

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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