Family Travel Insurance | Fast Cover
^Discount does not include purchase of standard excess reduction, rental vehicle insurance excess, extra cover for specific luggage & personal effects or add on packs. Offer ends 30/06/17. Not to be used in conjunction with any other offer.

Domestic

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

Not included

New Zealand

New Zealand

Not included

Pacific

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

Not included

Asia

All Asian countries including Japan.

Not included

Europe

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

Not included

Worldwide

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

Not included
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Up to $50 OFF^
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Children under 21 covered free of additional charge7 ?
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Cover for an unlimited number of trips over a 12 month period*.
Available to travellers 64 and under.

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Family Travel Insurance

Whether you’re taking your family to Bali, a holiday resort in Fiji, planning a trip to Europe, or going to Disneyland in the USA, travelling with your whole family is exciting, fun and creates lifelong memories.

Unfortunately, kids being kids, accidents and mishaps can happen quickly and unexpectedly and in those cases it’s good to know that you’re covered.

Family travel insurance means you’re covered in case one of your kids gets sick or has an accident and needs to go to hospital.

You’re also covered if some of your things go missing, or if you unexpectedly have to cut your holiday short due to a family emergency or medical reason.

The best bit about our family travel insurance is that your dependent children and grandchildren under 21 can travel free of additional charge under your policy!

Who can get Family travel insurance?

Families going on all different types of holidays can purchase a family travel insurance policy with Fast Cover. 

We understand that not every family fits the stereotypical 'nuclear family' mould. Our Family travel insurance includes:

  • Single parent families
  • Foster families
  • Step families
  • Families with same sex parents
  • Families including up to 10 dependent children
  • One or more grandparents travelling with their grandchild or grandchildren

For the purposes of our travel insurance, a Dependant must be your child or grandchild, or children under your legal guardianship such as foster or step children, under the age of 21 and not in full-time employment.

If you're taking your friend's child along with you on your family holiday, unfortunately we can’t cover them for free under your Family policy. However, we can arrange a great value Single policy for them at a discount price so they're still covered to travel with your family.

Why buy a Family travel insurance policy?

Whether you’re planning a trip with the kids to expose them to new countries, experiences and cultures, or just visiting Disneyland for the ultimate family adventure, having the right travel cover in place is very important.

Your Medicare or Australian private health insurance may not cover you or your family once you leave the country, and without travel insurance your holiday can suddenly become very expensive.

An overnight hospital stay on a family cruise ship could set you back up to $5,000 AUD per night, and the Australian Government's Department of Foreign Affairs and Trade reports that medical expenses in the United States range anywhere between $75,000 to as much as $300,000 AUD!

What cover does Family travel insurance include?

From planning the right excursions to finding good places to stay and eat, there’s a lot to consider. Worrying about health expenses shouldn’t be part of that list.

Heading overseas with your kids can be both stressful and costly enough as it is, which is why dependants under the age of 21 travel free of additional charge on a Fast Cover Family policy.

Family Travel Insurance gives you peace of mind to focus on simply enjoying the trip and making sure everyone has a great experience and creates lifetime memories. 

In the event of unexpected complications or overseas emergencies, the many benefits of a family policy include:

  • Overseas emergency medical and hospital expenses
  • Unexpectedly having to cut your holiday short due to a medical reason or family emergency
  • Loss or damage to your luggage or belongings such as bags, tablets, laptops, mobiles, cameras, etc.
  • Trip cancellation due to an unexpected illness or injury before your departure
  • Loss of travel documents, passports, credit cards and travellers cheques
  • Loss of income if you're unable to work due to an injury or illness after you return home
  • Personal liability insurance
  • Permanent disability insurance
  • Accidental death insurance

To make sure you have an enjoyable trip with your kids, travel with confidence and peace of mind, you may wish to consider Comprehensive travel insurance which includes the most benefits and has the highest dollar value available for each benefit.

Compare the different benefits and limits in the table below to see which level of cover suits your trip:

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 home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas 24/7 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 24/7 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 24/7 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 24/7 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 24/7 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^

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Medical & Hospital Expenses^

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

Overseas Emergency Medical & Hospital Expenses^

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

Overseas Emergency Medical & Hospital Expenses^

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

Overseas Emergency Medical & Hospital Expenses^

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

Overseas Emergency Medical & Hospital Expenses^


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

Overseas Emergency Dental

$500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Evacuation

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

Overseas Emergency Evacuation

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

Overseas Emergency Evacuation

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

Overseas Emergency Evacuation

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

Overseas Emergency Evacuation


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

Overseas Hospital Cash Payment^

sub-limits:

––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

$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 $5,000

Loss of Income^

sub-limits:

––– $10,000 ––– $10,000 $10,000 $10,000

Weekly Limit (per person) - up to 25 weeks

$400 $400 $400

Financial Benefits

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

Trip Cancellation Expenses

sub-limits:

––– Unlimited $15,000 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

Trip Cancellation Expenses

sub-limits:

––– $40,000 $15,000 $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

Trip Cancellation Expenses

sub-limits:

––– $30,000 $15,000 $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

Trip Cancellation Expenses

Travellers Aged 80 to 89:

sub-limits:

––– Unlimited
$40,000
Unlimited
$15,000
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

Trip Cancellation Expenses

Travellers Aged 90 and above:

sub-limits:

––– Unlimited
$30,000
Unlimited
$15,000
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

Trip Cancellation Expenses

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

sub-limits:

–––
$40,000
$30,000

$15,000
$15,000

$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

$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

Relatives with a Pre-existing Medical Condition

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

Trip Resumption Expenses

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

Luggage & Personal Effects

sub-limits:

Optional $7,500 $5,000 $10,000 $10,000 $10,000

Personal computers,video recorders or cameras (per item)

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

Mobile phones and 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 unoccupied vehicle during daylight hours

$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

Alternative Transport Expenses

––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle 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

Delay of Luggage and Personal Effects^

––– ––– ––– $500 $500 $500

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

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 Product Disclosure Statement for full details. ^ Cover under these Benefits are excluded while travelling within Australia.

Why choose Fast Cover for your family holiday travel insurance?

Fast Cover has a wide range of flexible travel insurance options to make sure you have the right cover for you and your family.

Some of the key benefits included in our Family policies include:

  • Dependants under the age of 21 who are not in full time employment are covered free of additional charge on a Single or Family policy.
  • We don't require you to fill in an individual medical assessment for each travelling family member.
  • We automatically cover 43 Pre-Existing Medical Conditions including asthma and allergies related to eczema and food intolerances.
  • We offer a 14 Day ‘no questions asked’ Money Back Guarantee, provided you have not commenced your journey or need to use the policy to make a claim.
  • We automatically cover a huge list of different sports and activities kids love such as snorkelling, go-karting, aqua zorbing and indoor rock climbing!
  • Cover for additional activities is available for thrill-seeking families with our Adventure Pack add-on.
  • Our Emergency Assistance team is available 24 hours a day, 7 days a week, 365 days a year to assist you.

Example Incidents~

Fiona's Family Medical Emergency

Fiona and her family were enjoying an African safari holiday when one of her children started complaining of sharp pains in their side. They visited a local hospital where a doctor determined the child had appendicitis and needed an appendectomy. Fortunately, their Fast Cover travel insurance policy covered the hospital and medical treatment costs which were over $3,000 AUD.

 

Brian's Busted Baggage

Brian and his family flew home from San Francisco after a spectacular tour around Alaska, Canada and the USA. But when they collected their bags at the airport carousel, they were shocked to see how badly their luggage had been handled by US security. Two of the zips on their brand new suitcases were broken, and the expensive TSA locks were damaged or missing. Brian submitted an online claim, attaching receipts and photographs of the damage, and was promptly reimbursed for the cost of replacing the suitcases and locks.

Traveller Testimonials

Such a good insurance company

After having insured with Fast Cover many times I find the policy is of excellent value, and so easy to set up online. I have recommended this company to many of my friends as I am extremely satisfied with how friendly and helpful they are.

Mim – Productreview.com.au

 

Helpful service

The policy was very well priced and options were available so I could tailor what I purchased to my needs. I set it up online, paid and had confirmation and printable paperwork in less than 15 minutes. On the occasion I needed to make a claim, this was dealt with quickly and satisfactorily by helpful telephone assistants. I continue to buy my travel insurance from Fast Cover.

Sandy – Productreview.com.au

 

Good value for money

Customer service was prompt, friendly and easy to understand. Documentation was provided via email within minutes.

Carr – Productreview.com.au

 

Ready to get a quote?

~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.

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. 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.

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