Already Overseas travel insurance

If your luggage or personal items go missing, are stolen or accidentally damaged while you are overseas, Fast Cover may provide cover for luggage and personal items such as laptops, cameras, and phones. 

Benefit limits, sub-limits and depreciation may apply to how much can be claimed for each item, and conditions set out when and how cover applies. For full details, it’s important to read the PDS to understand your entitlements and any exclusions that may apply. ^  

Travel delays can happen for many reasons. If your pre-booked transport is cancelled and rescheduled, or delayed due to an event covered by your policy, Fast Cover’s Travel Delay Expenses benefit is available to reimburse you for the reasonable cost of extra meals and accommodation. ^     

This benefit can provide cover of up to $200 for each traveller (excluding dependants) if your scheduled transport is delayed for at least 6 hours from the time your transport was scheduled to depart, due to circumstances outside your control. For each subsequent full 24-hour period beyond the initial 6 hour delay until your rescheduled departure time, this benefit allows for an additional $200 ^ 

Already overseas for a special event? If your scheduled transport is cancelled or delayed, Fast Cover may cover you for reasonable additional travel expenses to help you to get to your special event on time whether it’s a cruise, tour package or a wedding, so you don’t miss the moments that matter. ^

If your scheduled transport is cancelled, delayed, shortened or diverted, our travel insurance may be able to provide cover of up to $5,000 for you to book an alternative flight or other transport to help you make it to your special event on time. ^

Special events include a pre-booked, pre-paid and pre-arranged:

• Wedding
• Funeral
• Conference
• Concert
• Sporting event
• Cruise
• Tour package

With Fast Cover’s Already Overseas policy, you’ll have access to our Australian-based Emergency Assistance team, available 24/7. ^ 

Depending on your situation, Fast Cover’s Emergency Assistance team may be able to assist you during unexpected medical emergencies overseas by: 

• Locating and arranging overseas medical treatment or hospital admission, 
• Coordinating approved medical evacuation or repatriation, and 
• Providing guidance on accessing local medical support services. ^ 

Medical care overseas can be costly and daunting, especially if you are far from home. Fast Cover’s Already Overseas travel insurance is designed to help with the financial impact of unexpected illness or injury while overseas. 

Fast Cover may be able to provide cover for overseas emergency medical and hospital expenses if you become unexpectedly ill or injured while on your trip. This may include reasonable medical treatment, hospitalisation costs, or related medical expenses covered under your policy that you incur during your trip and are not reimbursed elsewhere. ^

If you experience a serious medical emergency while travelling, you might need to be medically transported or evacuated to the nearest hospital for emergency medical treatment or even be repatriated back to Australia for treatment with appropriate medical supervision. ^  

Our Already Overseas policy international travel is available to provide Aussie travellers with cover for the reasonable additional accommodation and travel expenses, cost of medical transfer, evacuation or repatriation when these services are approved under your policy. All medical evacuations and repatriations must be arranged and approved by Fast Cover before they take place.  ^  

Are you already overseas and planning to do some adventure activities? Fast Cover’s Adventure Pack gives you the option to include an extra list of adrenaline-pumping activities to help you tick off your bucket list. ^     

Examples of some activities that require the Adventure Pack include:    

• Abseiling    
• Outdoor rock climbing    
• Quad biking    
• Tandem parachuting and tandem skydiving    
• Sailing from 10 -15 nautical miles off any land mass     
• Scuba diving up to a depth of 30 m    
• Water skiing, jet skiing, and speedboating     

Conditions apply for activities under our Adventure Pack so make sure to read the PDS for full T&Cs.    

The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 65 and under at the date of policy issue when they purchase an Already Overseas policy. ^   

For more details, visit our page on travel insurance for adventure activities.

Exploring on two wheels is a popular choice for Aussies, offering freedom and flexibility to explore the world at your own pace.  

Fast Cover’s Motorcycle Pack is an optional extra that you can add to your Already Overseas policy. This optional extra may provide cover when you’re riding or travelling as a passenger on a:   

• Motorcycle,     
• Moped, or    
• Scooter. ^    

The Motorcycle Pack is available at an additional premium as an optional cover for Aussie travellers aged 65 years and under at the date of policy issue when they purchase an Already Overseas policy. ^   

For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.   

Rental vehicles are popular for international travel, but they can come with a high insurance excess if something goes wrong.  

If your rental vehicle is in an accident, damaged or stolen during your trip overseas, Fast Cover can, depending on the Already Overseas policy chosen, and on payment of additional premium provide reasonable additional cover of up to $8,000 for the rental vehicle excess component of your rental vehicle insurance with your car hire company overseas.^    

Our Rental Vehicle Excess benefit applies to a:    

• Sedan, hatchback, or station wagon,       
• Four-wheel drive or minibus/people mover, or    
• Campervan or motorhome (up to 4.5 tonnes),     

rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms). ^    

For more details visit our page on rental vehicle excess cover and read our PDS for terms and conditions of cover for rental vehicle excess.    

Are you travelling with high value items and worried they will get lost, stolen or damaged? If you would like to cover your valuable items for more than what they’re covered for under the standard luggage and personal effects terms and conditions, you can choose to specify them as a specified high value item for an additional premium. ^     

Below are some examples of items you may be able to specify as high value items. They will be specifically listed on your certificate of insurance to confirm cover.   

• Phone    
• Laptop   
• Camera    

For more details visit our page on travel insurance for luggage and personal effects and read our PDS for the full terms and conditions of cover for luggage and personal effects.    

Please note, specified high value items are not available under our Already Overseas Standard Saver policy. 

Pairing a winter holiday with snow sports? Unexpected events at the snow can snowball into costly expenses. If you’re planning to ski or snowboard overseas, answer yes to ‘Skiing or Snowboarding’ during your quote application. This gives you the option to purchase a “Snow Sports Plus Policy” which can provide cover for costs associated with ski and snow sports. ^ 

Below are some examples of things that may be covered in your snow sports benefits: 

• loss or theft of, or accidental damage to snow sports equipment,  
• for hiring replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been misdirected or delayed for a period of more than 24-hours, or has been accidentally damaged, lost or stolen during your trip,  
• if you are injured or become sick during your trip and are unable to utilise the full duration of your pre-booked and pre-paid lift passes, snow sports equipment hire, or lessons, we will reimburse you the percentage amount of the unused portion for each insured person, and  
• the cost of transport and lift passes at an alternate resort,   

in conditions and circumstances covered under your policy and as per limits and sub limits set out in our PDS. ^   

The Snow Sports Plus Already Overseas policy is available as an option for Aussie travellers aged 65 and under at the date of policy issue when they purchase the policy while they are already overseas. ^  

For more details visit our page on travel insurance for skiing and snowboarding and read our PDS for terms and conditions of cover for Snow Sports.   

If your travel plans include cruising, you can choose to add cruise cover to your Already Overseas insurance policy for additional cover in case of unexpected emergencies on-board the cruise ship where no support or reimbursement is provided by the cruise company for these emergencies. ^ 

You may still purchase the policy even if your cruise has already begun, provided you meet all eligibility requirements. Please note that cover will not apply until the 48-hour no cover period has ended. ^ 

If you wish to be covered while travelling on a cruise ship, you must specify cruise cover at the time of purchase based on your destination and length of your cruise trip:  

• If you are travelling within Australian waters, the New Zealand or the South Pacific region for 1 night or more, you must specify cruise cover at the time of purchase   
• If you are travelling on a cruise within Asia, Europe or Worldwide regions for 4 nights or more, you must specify cruise cover at the time of purchase  

By adding this option, your policy benefits will extend to when you’re on a cruise, whether it’s a domestic or international voyage. Adding cruise cover to your policy allows you to have cover both on board and on land, helping you stay covered throughout your entire trip. ^ 

For more details, visit our page on travel insurance for cruises and read our PDS for terms and conditions of cover for travelling on cruise ships.  

Please keep in mind that some existing medical conditions may require you to pay an additional cost for them to be included under your cover. You have the choice to either pay for this additional cost or not. If you choose to pay, the condition will be added to your policy and shown on your Certificate of Insurance. If you choose not to pay, that condition will not be covered and will still show on your Certificate of Insurance indicating that the condition(s) is not covered.

If your health changes after purchasing your policy but before you travel, you will need to contact Fast Cover for a medical re-screening. This process may adjust your premium and will determine whether your condition can continue to be covered 

One of the biggest concerns for travellers already overseas is what would happen if they became unexpectedly ill or injured overseas.  

Fast Cover’s Already Overseas policy options including Comprehensive, Standard Saver and Snow Sports Plus include cover for overseas medical and hospital expenses helping travellers already overseas cover these costs abroad. ^ 

Even with careful planning, travel can be unpredictable. Flights can be delayed, connections missed, or plans changed by severe weather. Those moments can quickly add unexpected costs for extra nights of accommodation, last-minute meals, or rebooked transport, cutting into your budget. 

Our Already Overseas policy options including Comprehensive and Snow Sports Plus may provide cover for some of the reasonable additional expenses that come from travel delays, depending on your circumstances and what’s covered under your policy. ^

Severe weather, natural disasters, strikes, riots and civil protests could disrupt the course of your trip. 

Our Already Overseas policies include the Trip Disruption Expenses benefit, if you purchase a Comprehensive or Snow Sports Plus policy. This benefit is available to provide cover for the reimbursement of your reasonable additional travel, accommodation and meal expenses which you cannot recover from any other source, if a disruption occurs during your trip which is outside of your control and arises from the reasons covered by your policy and explained in the PDS. ^

Lost, stolen or damaged luggage and personal items can create ongoing hassles during your solo adventure. Replacing essentials like your laptop, camera, or travel gear can be costly. 

Cover for luggage and personal items is automatically included with all Fast Cover Already Overseas policies.^

Travel plans evolve; you might book a cruise, hire a motorbike, or even decide to try an adventure activity like abseiling. It is important to consider the right cover before starting those activities.

If you are planning higher-risk activities or specific types of travel mid-trip, our Already Overseas policy allows you to select optional extras at the time of purchase, subject to eligibility and policy terms.

These are only some of the situations that you might wish to consider when deciding if you need travel insurance while already overseas.

Before you decide whether you need travel insurance while already abroad, you should read the PDS to check what our travel insurance will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs.  

The right travel insurance policy for your trip should match your destination, trip type, and budget. Fast Cover offers several levels of cover for Already Overseas policies so you can choose what fits your journey best, from Standard Saver, to Comprehensive and Snow Sports Plus.

When comparing options, check what’s included and what the benefit limits are for each policy. Understanding the scope of cover can help you find the best travel insurance for your needs. 

The type of activities you plan on doing during your trip can impact the level of cover you need. Some travellers are simply sightseeing or relaxing, while others might be heading overseas for adventure like quad biking, hiking at high altitudes, or riding a motorcycle.  

When comparing policies, check if they include cover for these activities or allow you to add optional extras to provide cover for these activities. Depending on the policy you choose with Fast Cover, you may be able to add optional extras for an additional premium to provide cover for a wide range of activities and adventures. 

Sometimes, even the best-planned trip can take an unexpected turn. Natural disasters like floods, earthquakes, and volcanic eruptions can disrupt travel plans with little notice, leaving travellers stranded, rerouted, and facing unexpected costs for additional travel and accommodation. 

Depending on the policy you choose, Fast Cover may be able to help with reasonable additional expenses for accommodation, meals and transport, when your trip delayed or disrupted due to natural disaster in circumstances covered under your policy. ^ 

Are you already overseas on a solo adventure, a family trip during the school holidays or perhaps a romantic cruise getaway?

You may wish to check whether an already overseas policy provides cover for singles, couples and families. Consider how the policy benefits and benefit limits apply to all travellers listed on the Certificate of Insurance.

Getting sick or injured while travelling can be stressful and costly. When comparing already overseas travel insurance policy options, look at the medical benefits included, their limits, and whether 24/7 emergency medical assistance is included. Choosing a policy that offers reliable medical support when you need it most can save you both money and stress during your trip. 

All Fast Cover’s international Already Overseas travel insurance option provides unlimited cover for: 

• overseas 24/7 emergency medical assistance,  
• overseas emergency medical and hospital expenses, and 
• overseas emergency medical evacuation and repatriation 

in circumstances covered under the policy.^ 

These are just some of the factors you might wish to consider when choosing the best travel insurance while already overseas, so you know what cover is available to you before and during your trip and under what conditions.     

Before you decide on the best travel insurance for your trip, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs.  

If an illness, injury, delay, loss or disruption happens before you purchase your Already Overseas policy, it is unlikely to be covered.

Our Already Overseas travel insurance is designed to provide cover for unexpected events that occur after your policy start date and after any applicable waiting period has ended.

Already Overseas policies include a 48-hour waiting period after purchase that applies to all benefits. If an illness, injury, loss or disruption occurs during this waiting period, it is unlikely to be covered.

This means if you purchase a policy today and something happens within the next 48 hours of purchasing the policy, you may not be eligible to claim for that event.

If you’re injured while breaking the law overseas, your Already Overseas travel insurance policy is unlikely to cover the incident. This includes scenarios such as riding a motorcycle without wearing a helmet, driving without the proper licence, or operating a vehicle under the influence of alcohol or drugs.  

Local laws vary significantly between countries and what may be legal in Australia could be prohibited elsewhere so you should always check local regulations before you travel. For example, in some destinations even riding a scooter without the correct international licence is illegal and could leave you without cover if an accident occurs. Engaging in illegal drug use or carrying prohibited substances could also result in both criminal charges overseas and the denial of any related insurance claim.  

Whilst it may not be illegal to have a drink overseas, alcohol consumption laws vary from country to country, and between regions within some countries. Make sure to research your travel destinations and follow the local laws. Keep in mind that if you’ve drunk alcohol excessively, there are certain exclusions that may likely apply to your travel insurance policy. As an example, if you're involved in an accident while under the influence of alcohol and in control of a vehicle, you may not have cover under your policy.

If you’re injured in an accident while, for example, riding a motorcycle, and you didn’t add the Motorcycle Pack to your Already Overseas travel insurance policy, you may be responsible for paying your overseas medical and hospital expenses because you did not choose to include cover for that under your policy.  

It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do overseas.  

If your belongings are stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example, if you leave your bag with your wallet and passport inside it on the beach while you go for a swim, this may be considered leaving your belongings unattended, in which case you may not be covered.   

Make sure you keep your belongings with you at all times or keep them in a secure location and take reasonable measures to secure them at all times and at all places.  

There are exclusions that may apply for regular or routine check-ups or filling regular prescriptions as they are not considered medical emergencies. If you require regular medication, bring enough of what you’ll need for your holiday overseas before you leave Australia.  

Should the Australian Government release a warning on the government’s official Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that might  apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase.   

Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.   

Known events are usually considered as serious situations from natural disasters like earthquakes and volcanic eruptions, to disease outbreaks, which can affect your holiday plans and the cover on your travel insurance policy.   

If you buy your travel insurance after an event is a known event, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for your travel destination as well as information on the government’s official Smartraveller website so you know where you stand with regards to the cover that you will have on your travel insurance policy.  

Perhaps the weather was bad, the tourist attractions were too crowded, or your accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your trip has shaped up, your travel insurance policy is not intended to compensate you because you didn’t enjoy your holiday.