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Holiday Insurance

Planning a holiday soon? Taking out travel insurance for an upcoming trip will save you money in the long run.

Travel Insurance for your holiday

Holiday travel insurance is essential for anyone planning a trip away from home, regardless of whether it's a short domestic trip within Australia, or an international round-the-world expedition!

It doesn't matter if you’re only travelling for a day, a month or a whole year, going on holiday always comes with a few added risks.


That's why purchasing holiday travel insurance should be an essential part of your pre-travel preparation, and can prove extremely valuable if something unexpected does happen during your travels.

Who should get holiday insurance?


Whether you're just escaping for a quick weekend getaway or taking an extended trip overseas to explore a new destination, a holiday is an opportunity to break your routine and enjoy doing something relaxing, exciting, adventurous or all of the above!

But even if you’ve thoroughly planned your holiday, or are only travelling to familiar ‘safe’ destinations, you can never be sure something unexpected won't mess up your plans.

Fast Cover's holiday insurance can cover a range of different situations, no matter if your plans involve:

  • Spending a week or two relaxing on a beach in Hawaii.
  • Chilling by the pool, sipping cocktails and indulging in the occasional massage or beauty treatment in Bali.
  • Blasting down the slopes on your skis or snowboard in Whistler or Thredbo.
  • Backpacking across South America on a shoestring budget to see some of the natural wonders.
  • Experiencing the many different cultures and cuisines in Southeast Asia.
  • Packing in as many adventure activities as possible, from bungee jumping in Queenstown to quad biking across the Moroccan desert.
  • Taking a relaxing cruise around the Pacific or Caribbean Islands.

No matter what your plans may be, Fast Cover can provide cover for you, your belongings and the people you travel with.

Discover how simple getting holiday insurance can be by getting a free online quote in a matter of minutes, or contact us to help you find the right policy to cover your next holiday.

Why do you need holiday insurance? 

Wherever you go on holiday, it’s important to bear in mind that you can’t control everything that happens. Buying holiday insurance before you depart means having access to 24 hour Emergency Assistance and cover for unexpected expenses if something does go wrong while you’re away. 

Overseas medical treatment and emergency evacuation costs can be significantly higher than in Australia.

The Australian Government Department of Foreign Affairs and Trade reports that an emergency medical evacuation from Bali can set you back around $60,000 AUD, and an overnight stay in hospital in the United States can set you back over $5,000 USD per night.

Without travel insurance, it would also be up to you to cover the costs of any lost, damaged or stolen belongings, plus things like alternative accommodation or transport costs if your flights are cancelled due to a natural disaster.

A stolen passport, a nasty virus, or missing a connecting flight can easily spoil the most carefully-laid travel plans, but holiday insurance can help give you the peace of mind that these problems won’t turn your dream holiday into a full-blown nightmare.

What are the benefits of holiday insurance? 

See the benefits tables below to compare the different levels of holiday insurance we can provide:


What if your holiday is a little bit different?

Fast cover offers a range of policies and add on packs to cover your specific holiday type or extra needs.

Skiers and snowboarders:

If you’re a winter sports enthusiast, you can purchase our Snow Sport Plus policy which can protect your equipment as well as giving you additional medical benefits for accidents on the slopes.

Adventure seekers:

Looking for an adrenaline rush on your holiday? You can add on an Adventure Pack, designed to cover you for your more exhilarating experiences like quad bike riding, tandem skydiving and outdoor rock climbing.


Are you taking your bike on holiday to explore the English countryside, challenge yourself in the French Alps or explore some remote destination? Add on a Bike Pack to cover your bicycle in case it is permanently lost, stolen or accidentally damaged.


There are some amazing courses around the world and it’s much better to play with your own clubs. If you're taking yours on holiday, add on a Golf Pack and we’ll cover your golfing equipment (clubs, bag, trolley and shoes) in case they are permanently lost, stolen or accidentally damaged.


Why choose Fast Cover for your holiday insurance?

Fast Cover is a travel insurance specialist with affordable and flexible policies to suit all traveller types and holidays.

Whether you're trekking throughout Southeast Asia on a solo backpacking adventure, celebrating an anniversary with a luxury cruise around the Pacific Islands, or taking the whole family to Disneyland, we have a travel insurance policy to suit all budgets.

Our policies are built to cover the things that matter most to you including your health, your belongings and the hard-earned money you’ve spent on your holiday.

And to make buying travel insurance even faster and simpler for you, we automatically cover 43 Pre-Existing Medical Conditions so you don’t need to waste precious packing time filling out a medical assessment.

Some of our benefits include:

  • 14 Day Money Back Guarantee
  • Free cover for up to 10 Dependants under 21 years of age
  • Automatic cover for a huge list of sports and activities
  • The Adventure Pack option to cover extra activities
  • Optional cover for Snow Sports
  • Optional Rental Vehicle Excess Insurance
  • Optional cover for your bicycle and golf equipment
  • Optional cover for High Value Items
  • Flexible Excess options

You also get the added peace of mind knowing our Emergency Assistance team is available 24 hours a day, 7 days a week, 365 days a year, so that if something unexpected does happen while you're on holiday, help is just a phone call away no matter where you are!

Example Incidents~

Liam’s Lost Luggage

Liam and his partner arrived in New Zealand for a holiday but their baggage did not. They took precautions as advised by their travel insurer’s emergency assistance team and lodged a claim with the airline. Fortunately, the airline located their luggage 48 hours later but they were also able to claim $500 AUD under the luggage and personal effects delay benefit.


Colin's Unlucky Trip to Vegas

Colin, a 57-year-old from Fremantle, suffered chest pains on his two-week holiday in Las Vegas and was rushed to hospital where he was admitted to the Intensive Care Unit with a severe respiratory tract infection. Colin’s hospital bill, three extra nights accommodation for recovery, and change of flight expenses added up to over $16,000 AUD but were thankfully covered by his Comprehensive travel insurance policy which cost less than $200.


~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.

Traveller Testimonials

Very easy to take out insurance

Took out travel insurance for our upcoming cruise. It was very easy to complete the online form and the price was comparable.

Wanda –


Not a single problem!

Fast Cover is indeed fast. This is my second time using them, and it was seamless and easy. Most important - they don't have a problem with age.

Pete –


Great service last year for our cruise

Great service, easy set up, very satisfied. Will be contacting you soon for more insurance for a cruise later in the year. I am sure that we will get the same efficient service.

Brian –


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

Important legal stuff you need to know
*See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply. For travellers over the age of 79, additional terms and conditions, limits and excesses 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.
25% saving is based on the cost of a Duo policy versus the cost of two single policies. Excess reduction discount based on excess reduction cost under a Duo policy versus cost under two single policies. Duo policies do not provide cover for any dependent children.
3Children or dependants under 21 years old and not in full time employment covered for free when travelling with an insured adult. Excludes Duo policies.
4Price based on an 18 day Basics policy to Pacific region for Single traveller aged 50 years old or younger with $200 excess.
5Additional terms and conditions, limits and excesses apply to travellers over the age of 79.
6Must be accompanied by a professional instructor or guide.