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International Travel Insurance

Fast Cover’s international travel insurance is designed to provide flexible cover that has the options to be customised by many Australian travellers exploring the word, with Aussie support wherever they are. ^ Learn more about international travel insurance for your overseas trip.

Get Ready to Explore the World with International Travel Insurance

Fast Cover’s international travel insurance offers a range of policies to suit many Aussie travellers for their next overseas trip. Customise our range of International policies with flexible cover that can provide cover for many unexpected situations that may occur during your trip whether you’re:

  • Skiing in Japan
  • Riding a scooter in Bali
  • Cruising in the South Pacific
  • Flying overseas for Euro Summer
  • Backpacking through Southeast Asia
  • Going on a working holiday to Canada
  • Renting a car for a road trip across the USA
  • Adventuring off the beaten track in South America
  • And more...

Every traveller’s needs are different, so check the PDS to find the right policy for you. Any advice is general advice only and doesn't consider your personal and financial circumstances.

view of ocean from airplane window

What Does International Travel Insurance Cover?

Fast Cover’s International travel insurance policies are available to provide some cover under a range of benefits to help you deal with and take steps to be prepared for many unexpected and unforeseen circumstances during your overseas trip.

This is only a summary of some benefits available under our International travel insurance policies. Please note we can only provide cover for the circumstances and situations covered by and listed in your travel insurance policy. Each policy has specific terms, conditions, exclusions, limits and sub-limits. Not all benefits apply to all policies, so always review the PDS before deciding which policy is right for you.

Trip Cancellation Expenses

Trip Cancellation Expenses

Our international cancellation cover may help protect the non-refundable bookings you’ve already paid for if you need to cancel your overseas trip due to circumstances covered under your policy, for example, an unexpected illness or injury.  ^

If you’re no longer able to travel to your overseas destination due to unexpected circumstances covered under your policy, Fast Cover’s international travel insurance with cancellation cover may help protect the non-refundable bookings you've already paid for your overseas trip like flights, accommodation, cruises and tours. You can take out an International travel insurance policy with cancellation cover up to 12 months before you travel overseas. ^

Travel Delay Expenses

Travel Delay Expenses

Travel plans on pause? If you’re stuck at the airport with no flight and need extra accommodation while you wait with no reimbursement for these from the airlines with which you are travelling, Fast Cover may be able to reimburse you for the reasonable cost of extra meals and accommodation due to travel delays if your pre-booked transport is cancelled and rescheduled or delayed in situations covered under your policy. ^

Our International travel insurance can provide cover for the reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each 24-hour period if your scheduled transport is delayed for at least 6 hours from the time your transport was scheduled to depart. ^

Lost, Stolen or Damaged Luggage

Lost, Stolen or Damaged Luggage

Lost, stolen or damaged luggage can turn a dream overseas holiday into a traveller’s nightmare! That’s why cover may be available for the loss, theft or accidental damage of your luggage and personal items in situations covered under your policy. ^

Our International travel insurance may be able to provide cover if your luggage and personal belongings such as your phone, camera or laptop are lost, stolen or damaged during your trip overseas. Limits and sub-limits apply to how much you can claim for each item. Conditions including situations in which we would provide cover apply. ^

Overseas 24/7 Emergency Medical Assistance

Overseas 24/7 Emergency Medical Assistance

Medical emergencies can happen anywhere - even on holidays. We’re here to help with Aussie based support when you need it most. Fast Cover’s Aussie based team of experts are available to provide 24/7 support for overseas medical emergencies wherever you are, depending on your situation and location. ^

Fast Cover’s International travel insurance policies may include access to our Australian based Emergency Assistance hotline with 24/7 support for unexpected medical emergencies overseas. Our Emergency Assistance team may be able to help arrange experienced medical support services in the event of unexpected circumstances. ^

Overseas Emergency Medical and Hospital Expenses

Overseas Emergency Medical and Hospital Expenses

An unexpected trip to a hospital overseas is the last thing you might want on your itinerary. If you’re struck with Bali Belly, break a bone in the US, or need surgery in Europe, Fast Cover may be able to help with overseas emergency medical and hospital expenses in some circumstances which are covered under your policy. ^  

Fast Cover’s International travel insurance policies are available to provide protection against the financial burden of reasonable and unexpected overseas emergency medical and hospital expenses associated with unexpected illness or injuries, incurred by you, for which you are not reimbursed, during your trip overseas. ^

Overseas Emergency Medical Evacuation and Repatriation Expenses

Overseas Emergency Medical Evacuation and Repatriation Expenses

If you become seriously injured or sick while travelling overseas, access to emergency medical care could make a huge difference. Fast Cover may be able to help with the cost of getting you to the nearest hospital for emergency medical treatment or even flying you back to Australia, in circumstances covered under your policy. ^

In case you are seriously injured or sick while on your trip overseas, Fast Cover’s International travel insurance policies are available to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover. ^

Optional Extras for your International Travel Insurance

No two trips are the same - and your cover shouldn’t be either. Fast Cover’s optional add-ons allow you to customise your travel insurance policy so you can include cover for a range of activities and adventures to fit you and your travel plans overseas. ^

Whether you’re riding a motorcycle through Southeast Asia, soaking up the sun on a cruise to Fiji, hitting the slopes in Canada or getting your friends together for a road trip across Europe, Fast Cover’s International travel insurance provides flexible cover for Aussie travellers to customise their policy to their individual needs. ^

Cover for Riding or Being a Passenger on a Motorcycle, Moped or Scooter Overseas

Cover for Riding or Being a Passenger on a Motorcycle, Moped or Scooter Overseas

Ready to explore the world’s most iconic routes on two wheels with Fast Cover’s Motorcycle Pack? Riding a motorcycle offers a unique and thrilling way to experience diverse landscapes from Vietnam’s winding Ha Giang Loop to Norway’s dramatic Troll’s Ladder and Italy’s scenic Great Dolomites Road.

Fast Cover’s Motorcycle Pack is an optional extra available under our International policies that may provide cover to you for being the rider or passenger on a:

  • Motorcycle,
  • Moped, or
  • Scooter.

The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 and under at the date of policy issue when they purchase an International travel insurance 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.

man wearing helmet riding scooter
Cover for International Cruises

Cover for International Cruises

Setting voyage on a cruise through the South Pacific, Caribbean, or Mediterranean? If your international cruise holiday is 4 nights or more, consider adding cruise cover to your International travel insurance policy for additional cover in case of unexpected emergencies on-board the cruise ship and during onshore excursions where no support or reimbursement is provided by the cruise company for these emergencies. ^

Fast Cover’s simple quote process can be completed online or over the phone to help you add cruise cover to your International travel insurance policy. Below is some of the information which may be needed to get a quote for cruise cover:

  1. Set Travel Dates: Tell us the travel dates you would like to be covered for.
  2. Select Who Needs Cover: Are you travelling solo, with a companion or with your family? Add all travellers to your policy.
  3. Going on a Cruise? Answer ‘Yes’ to ‘Going on a cruise?’

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.

cruise ship on ocean

 

Cover for Snow Sports

Cover for Snow Sports

Hitting the slopes in the French Alps, Canada’s Whistler Mountain, New Zealand’s Queenstown or Japan’s snow-capped mountains of Hokkiado? Unexpected events at the snow can snowball into costly expenses. If you’re planning to ski or snowboard overseas, consider applying for Fast Covers ski and snow travel insurance, called the “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 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 ski 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 policy is available at an additional premium for Aussie travellers aged 69 and under at the date of policy issue, when they purchase an International travel insurance policy. ^

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.

person skiing in the snow
Specified High Value Items

Specified High Value Items

Travelling overseas 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 specified high value items:

  • Phone
  • Laptop
  • Camera
  • Surfboard

Please note specified high value items are only available on Comprehensive, Snow Sports Plus and Frequent Traveller Saver policies. Limits and sub-limits apply. ^

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

person typing on laptop
Cover for Your Rental Vehicle Excess

Cover for Your Rental Vehicle Excess

Exploring overseas at your own pace? Whether you’re hiring a car for a road trip or enjoying retirement by touring a new country in a rental campervan or motorhome, Fast Cover may be able to provide cover for your rental vehicle insurance excess. ^

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

The 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.

van parked near the ocean
Cover for Adventure Activities

Cover for Adventure Activities

Ready for your next big overseas adventure? Fast Cover’s Adventure Pack covers 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 up to 15 nm from a land mass
  • Scuba diving up to 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 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus or Frequent Traveller Saver policy. ^

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

two women preparing for tandem skydiving

Activities Automatically Covered by our International Travel Insurance

You should consider the type of overseas holiday you’re taking, the activities that are on your itinerary and check if your international travel insurance policy will automatically provide cover for the activities that you have planned, or whether you need to take out optional add-on packs to provide cover for your planned activities. Either way, conditions for activities may apply, so make sure to read the PDS for full details.

Fast Cover’s International travel insurance policies provide cover for a list of non-contact sports and leisure activities outlined in our PDS and subject to terms and conditions of your policy. Examples of some activities that may be  automatically covered under our international travel insurance include:

  • Bicycling  
  • Bungee jumping or canyon swinging 
  • Camel riding 
  • Fishing 
  • Golf 
  • Hiking below 3,000 metres 
  • Horse riding 
  • Licensed hot air ballooning 
  • Sailing up to 10 nm off any land mass 
  • Scuba diving to 10 m and snorkelling 
  • Shark cage diving up to 10 m 
  • Sightseeing 
  • Skateboarding 
  • Surfing 
  • Kayaking 

Conditions apply for activities listed under Covered Sports and Leisure Activities so make sure to read the PDS for full T&Cs.

For more details visit our page on travel insurance for sports and leisure activities.

Please note that it is a condition of cover for all activities that you act in a reasonable way to protect yourself. The best way that you can do this is to enjoy your activities with a properly licensed outdoor pursuits or sports organisation and to follow their instructions.

Does International Travel Insurance Cover My Hospital Bills if I Get Sick Overseas?

Regardless of the international travel insurance policy that you choose for your overseas trip, one important benefit we include with all our international policies is the Overseas Emergency Medical and Hospital Expenses benefit. Here’s some important information you need to know about overseas emergency medical and hospital expenses.

Overseas Emergency Medical and Hospital Expenses

Overseas Emergency Medical and Hospital Expenses

This benefit provides reimbursement for unexpected medical emergencies that can happen on your trip overseas, from food poisoning, treatment for a broken bone or emergency surgery for appendicitis depending on your circumstances.

You should be aware that cover isn’t available for all medical expenses as it depends on the terms and conditions of your policy and some of these include (but are not limited to):  

  • medical emergencies related to your existing medical conditions which aren’t listed as covered on your certificate of insurance,   
  • planned medical procedures or other non-emergency medical treatments,  
  • routine medical or dental check-ups,   
  • injuries sustained from your participation in sport or leisure activities covered under the Adventure Pack or snow sports unless you’ve purchased additional cover for them, and   
  • your medical expenses once you’ve returned to Australia,  

so, it’s important to review your policy and PDS to understand what is and isn't covered while you're overseas and the terms and conditions that apply.

Reciprocal Health Care Agreements

Reciprocal Health Care Agreements

Some countries have a Reciprocal Health Care Agreement (RHCA) with Australia which may provide cover for some medical costs during your stay if you meet the eligibility requirements. Please check with the relevant information sources for more information. In these cases, Fast Cover’s travel insurance policy may not pay for the cost of medical care that is covered by the RHCA. However, Reciprocal Health Care Agreements may not cover every type of medical expense, so considering taking out travel insurance for your overseas destination with cover for unexpected overseas emergency medical and hospital expenses may potentially save you thousands of dollars when cover is not available under a RHCA.

If you’re travelling to an overseas destination that doesn’t have a Reciprocal Health Care Agreement with Australia, you may  likely be responsible for all your medical expenses if you unexpectedly fall sick or are injured while travelling there. Having cover for these unexpected medical situations during your travels may potentially save you thousands of dollars. Please remember to do your own research regarding this to make an informed decision based on your personal and financial circumstances.

Existing Medical Conditions and Changes in Health

Existing Medical Conditions and Changes in Health

You can apply for cover for your existing medical conditions and any changes in health and/or new medical conditions you may develop before you leave for your overseas trip through a medical screening.

Find out more about what we consider to be a medical condition and how you can apply for cover in our page on travel insurance for existing medical conditions.

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy and PDS, T&Cs  and Certificate of Insurance. Any advice is general advice only and does not take into account your individual objectives, personal and financial situation or needs. Consider the PDS as eligibility criteria, policy terms, conditions, exclusions, limits and sub-limits apply.

Cover for Existing Medical Conditions

If you have any existing medical conditions, you may be able to apply to include cover for them during your trip overseas. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be covered.

Select Who Needs Cover

Once you've added all travellers, to your policy, you can select those who wish to add cover for any existing medical conditions.

Take a Medical Screening

Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.

Choose to Add Cover

We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.

To find out more about our medical screening process, and how the policy will apply in relation to an existing medical condition, please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.

Insurance Cover Options for your Overseas Trip

At Fast Cover, we have a range of coverage options available for your overseas trip. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.

Comprehensive Travel Insurance

Comprehensive Travel Insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income. ^

Standard Saver Travel Insurance

The Standard Saver Travel Insurance policy provides many benefits similar to our Comprehensive policy, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel. ^

Basic (Medical Only) Travel Insurance

Our Basics Travel Insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000. ^

More Than One Trip? Consider Multi-Trip Travel Insurance for Frequent Travellers

If you travel overseas frequently, you can get a quote for a Frequent Traveller Saver Policy when you take out international travel insurance. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. ^

Who Can Get International Travel Insurance?

Whether you're travelling solo, with your partner or family and friends, every journey and traveller is unique. Fast Cover’s international travel insurance is designed to provide cover for a wide range of Aussie travellers around the world including:

  • Solo travellers discovering new sights abroad
  • Couples travelling for their honeymoon or anniversary
  • Friends celebrating a destination wedding overseas
  • Families flying overseas to visit family or friends
  • Aussie backpackers immersed in new cultures
  • Aussies going overseas on a working holiday
  • 18-35 year-old Aussies going to Canada for the IEC program
  • Students travelling for study or on their mid-semester break
  • Business travellers flying overseas for a conference
  • Seniors enjoying retirement on a cruise
  • Adventurers ticking off their bucket list
  • Pregnant travellers going on a babymoon

Please read and consider the PDS for eligibility criteria, terms, conditions, exclusions, limits and sub limits that apply.

Ready for Your Next Overseas Adventure?

Planning a trip overseas? Get an international travel insurance quote for your overseas destination and compare the benefits for your next holiday.

Do I Need Travel Insurance for International Travel?

Whether you plan to travel to New Zealand, Thailand or the UK, we understand that unexpected situations and factors outside of your control could change your international travel plans and leave you with out-of-pocket expenses. Travel insurance for international travel can help better prepare you to deal with unexpected and unforeseen situations that could impact your travel plans should the unexpected happen. Please consider your personal and financial circumstances and T&Cs of our PDS before you decide to get travel insurance. 

Here are some situations which you might consider when deciding if you need international travel insurance for your next trip overseas and whether your international travel insurance policy can provide cover for these situations:

Non-Refundable Expenses from Cancelling Your Trip

Non-Refundable Expenses from Cancelling Your Trip

Becoming unexpectedly sick or injured could force you to cancel your trip. Rescheduling a cancelled trip and dealing with lost deposits and non-refundable flights and accommodation can become stressful and expensive. Consider if your international travel insurance can provide cover for trip cancellation expenses.

Cancellation Cover for Existing Medical Conditions

Cancellation Cover for Existing Medical Conditions

If you need to cancel your overseas trip due to an existing medical condition, you could be left out of pocket for non-refundable pre-paid trip bookings. You may wish to check if your international travel insurance policy can provide cover for trip cancellation expenses if you need to cancel your trip due to your existing medical condition/s.

Extra Expenses Due to Travel Delays

Extra Expenses Due to Travel Delays

Bad weather and airline operational issues could cause delays and mean you might have to spend extra money on food and accommodation while you wait for a new flight. Consider if your international travel insurance can provide cover for travel delay expenses such as additional meals and accommodation.

Getting to Special Events on Time

Getting to Special Events on Time

If your scheduled transport to special events is cancelled, delayed, shortened or diverted, you could risk spending thousands of dollars on additional transport to make it to your special events on time. Worse yet, you could miss out on special events you’ve already booked and paid for. Consider if your international travel insurance can provide cover for special event transport expenses.

These are only some of the situations that you might wish to consider when deciding if you need international travel insurance. Please do your own research to consider whether travel insurance is right for your personal and financial circumstances.

Before you decide whether you need travel insurance for your trip overseas, you should read the PDS to check what our international travel insurance policies 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.

Tips for International Travel Insurance

Discover some useful travel insurance tips from travel insurance expert, Fast Cover’s CEO Dean Van Es.

Dean Van Es
Dean Van Es
Chief Executive Officer – Fast Cover Travel Insurance

Choose a Travel Insurance Provider with Emergency Assistance Support

“Our job is to get you back to Australia, to your family, safe and sound as soon as possible. Firstly, to get you healthy and stable, and then to get you home as soon as possible and there’s a whole team that works behind the scenes to do that.”

Travel insurance isn’t just about money, it’s about having a reliable team with real emergency support and a trusted network of hospitals and doctors to help in a crisis. Fast Cover’s Aussie based Emergency Assistance team is available 24/7.

When Things Get Serious, You Need the Right Help

“If you get injured, you need help, and you need it quick. You need the right help and someone like us to guide you through that.”

"Which hospital are you going to go to in Bangladesh? That’s a really good question. We know."

In a foreign country, it’s hard to know who to call, where to go, or who to trust. With Fast Cover’s International travel insurance policies, you get access to experienced teams who can guide you to the right care quickly. When you're injured overseas, speed and local knowledge can make all the difference.

Choose a Travel Insurance Provider Who Cares

"We have values, the first one is help first, that’s why we exist, and it all flows from there.”

Buying travel insurance should never be about just ticking a box. From your first quote to your final claim, Fast Cover focuses on making your experience smooth, supportive, and human. It's not just what’s covered, it’s how you're looked after when things go wrong.

What is the Best International Travel Insurance?

To get the best international travel insurance for Australian travellers heading overseas various things need to be considered, including whether it is a policy that provides cover for the type of trip that you’re taking. When looking for the best travel insurance for international travel, it’s important to choose a travel insurance policy that aligns with your specific travel needs. This might include the nature of your trip overseas, who you are travelling with, the types of activities you plan to do and other considerations that apply to you and your trip.

Here are some examples of things you may wish to consider when reviewing the best international travel insurance for your overseas trip that may also help you compare international travel insurance policies to help you decide which policy is right for you:

Consider Trip Cancellation Expenses

Consider Trip Cancellation Expenses

Have you booked a tour, accommodation or flights for your trip overseas?

You may wish to consider whether the international travel insurance policy includes cancellation cover in case you can’t travel overseas due to an unforeseen circumstance such as an unexpected illness or injury.

Consider Your Luggage and Personal Effects

Consider Your Luggage and Personal Effects

Worried your valuable personal items like your phone, camera or laptop might be lost, stolen or damaged while you travel overseas?

You may wish to consider whether the international travel insurance policy includes cover for luggage and personal effects, including any applicable limits, sub-limits and conditions.

Consider How You Will Get Around

Consider How You Will Get Around

Will you be riding or be a passenger on a motorcycle, moped or scooter while overseas?

You may wish to check whether the policy provides cover for injuries resulting from those activities, and what conditions (such as licensing requirements or helmet use) may apply.

Perhaps you’ll be renting a vehicle while overseas?

You may wish to check whether the international travel insurance policy provides cover for the rental vehicle excess component of the rental vehicle insurance with your car hire company overseas in case your rental vehicle is in an accident, damaged or stolen during your trip abroad.

Consider the Activities You Will Be Doing

Consider the Activities You Will Be Doing

Are you planning to do any adventurous activities while overseas?

You may wish to check whether the international travel insurance policy provides cover for the types of adventure activities you plan to do in your destination. Cover for adventure activities may require an additional cover to be added and may incur an additional premium and may have different age limits to standard terms.

Consider Who You Will Be Travelling With

Consider Who You Will Be Travelling With

Are you planning a solo adventure, a family trip during the school holidays, or perhaps a romantic getaway to celebrate your anniversary overseas?

You may wish to check whether the international travel insurance policy provides cover for singles, couples and families or groups. Consider how the policy benefits and benefit limits apply to all travellers listed on the Certificate of Insurance.

These are just some of the considerations that you might wish to consider when reviewing the best travel insurance for international travel, so you know what cover is available to you before and during your trip overseas. Please remember to do your own research regarding this to make an informed decision based on your personal and financial circumstances.

Before you decide on the best international travel insurance for your overseas 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, personal or financial situation or needs.

Multi-Award Winning Travel Insurance

The Fast Cover team always strives to deliver the best travel insurance we can for all our travellers. We're very thankful for the Travel Insurance Awards we've received recognising our efforts.

Winner Travel Insurance Award

2022, 2023, 2024 & 2025 ProductReview.com.au Travel Insurance Award†

Value for Money

2024 Finder Customer Service Satisfaction Awards†

Travel Insurer of the Year

2023 WeMoney Awards†

The Benefits of Travel Insurance for International Travel

Depending on the level of cover you take out with our international travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected medical and financial circumstances. Compare our international travel insurance policies below.

Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that 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.


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 back to Australia (per person)

 $20,000 $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

Overseas Emergency Medical & Hospital Expenses^

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Dental

 $500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation & Repatriation

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Hospital Cash Payment^

sub-limits:

 ––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

 $50 $50 $50

Accidental Death

Travellers Aged 80 to 89:
 ––– $25,000
$20,000		 ––– $25,000
$20,000		 $25,000
$20,000		 $25,000
$20,000

Accidental Death for travellers up to age 79

 $25,000 $25,000 $25,000 $25,000

Accidental Death for travellers aged 80 - 89

 $20,000 $20,000 $20,000 $20,000

Accidental Death of a Dependant (per Dependant)

 $5,000 $5,000 $5,000 $5,000

Permanent Disability^

Travellers Aged 80 to 89:
 ––– ––– ––– $50,000
$20,000		 $50,000
$20,000		 $25,000
$20,000

Permanent Disability for travellers up to age 79

 $50,000 $50,000 $25,000

Permanent Disability for travellers aged 80 - 89

 $20,000 $20,000 $20,000

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

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

Trip Cancellation Expenses

sub-limits:

 ––– Unlimited $25,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

 $1,500 $1,500 $1,500 $1,500 $1,500

Close Relatives that do not meet Close relative conditions

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

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

Close Relatives with a Pre-existing Medical Condition

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

Trip Resumption Expenses

 ––– $3,000 $2,000 $3,000 $3,000 $3,000

Luggage & Personal Effects

sub-limits:

 Optional
up to $2,000		 $7,500 $5,000 $15,000 $15,000 $15,000

Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (per item)

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

Mobile phones (per item)

 $1,500 $1,500 $1,500 $1,500 $1,500 $1,500

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 unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items.

$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

Special Event Transport Expenses

 ––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Excess

sub-limits:

 ––– $5,000 Optional
up to $8,000		 Optional
up to $8,000		 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^

 ––– ––– ––– $750 $750 $750

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

COVID-19 Benefits

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

COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains back to Australia (per person)

 $20,000 ––– $20,000 $20,000 $20,000 $20,000

Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person)

 $60,000 ––– $60,000 $60,000 $60,000 $60,000

COVID-19 Trip Cancellation & Disruption

––– $3,500 $3,000 $5,000 $5,000 $5,000

What is Not Covered in our International Travel Insurance?

It’s important to know not just what your international travel insurance covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits that you need to be aware of and consider before buying travel insurance. 

Here are some examples of when cover may not be available. Always check the PDS and TMD to understand the policy terms, conditions, exclusions, limits and sub limits before making your decision to buy.

If you become injured while breaking the law

If you become injured while breaking the law

If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, this may include riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol.

Remember that possession of certain drugs is illegal and different countries will have different laws. Using drugs or selling them can land you in trouble with the law overseas.

If you are intoxicated or have taken illicit drugs or prohibited substances

If you are intoxicated or have taken illicit drugs or prohibited substances

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 under the influence of alcohol and you stumble and hurt yourself, you may not have cover under your policy.

Certain drugs are illegal in some countries, and you may not be covered by your international travel insurance policy when you’ve consumed drugs or been involved in drug related activities.

If you do an activity that isn’t covered by your policy

If you do an activity that isn’t covered by 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 international travel insurance policy, you may be responsible for paying your 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.

Unsupervised belongings

Unsupervised belongings

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 or take reasonable measures to secure them at all times and at all places.

Regular medical or dental check-ups

Regular medical or dental check-ups

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.

Ignoring official warnings

Ignoring official warnings

Should the Australian Government release a warning on official government 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 will 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

Known events

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

If you buy your international travel insurance after an event is deemed 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 overseas travel destination as well as information on the official government Smartraveller website so you know where you stand with regards to the cover that you will have on your international travel insurance policy.

Disappointing holidays

Disappointing holidays

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 overseas has shaped up, your international travel insurance policy is not intended to compensate you because you didn’t enjoy your time there.

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.

Where Are You Travelling To Next?

From a relaxing week in Southeast Asia to a month backpacking across Europe, discover travel insurance for your next overseas destination.
 
 
 
 
 
 
 
 
 
 
 
 

How do I Choose My Travel Destination?

Enter the country or countries that you're planning on travelling to into the quote box. Alternatively, you can choose one of our four (4) regions: South Pacific, Asia, Europe and/or Worldwide. Check the table below to find the appropriate region for your trip. If you're going to be visiting many different countries, or haven't finalised your itinerary, you can also select the region that you want to be covered for.

Region

 Popular Destinations for this region Automatically includes cover for these regions
Worldwide

 North, Central & South America
Hawaii
Africa
Middle East
Antartica		 Australia
New Zealand
South Pacific
Asia
Europe
Europe

 UK
Germany
France
Greece
Spain
Russia		 Australia
New Zealand
South Pacific
Asia
Asia

 Bali
Indonesia
Japan
Cambodia
Malaysia
Philippines
Singapore
Thailand
Vietnam		 Australia
New Zealand
South Pacific
South Pacific

 Fiji
New Zealand
Islands in the South Pacific		 Australia
New Zealand
New Zealand

 New Zealand Australia
Australia

 Thursday Island
Lord Howe Island
Norfolk Island

If you need to add other countries after you've bought your policy, contact us to add it to your policy for you. Depending on the country or countries you want to add, you may not need to pay an extra charge! ^ 

Find out more information on how to choose your travel destination, including the countries that we can't provide cover for, in our travel insurance guide on selecting countries or regions for your policy.

Why Choose Fast Cover for your Overseas Trip?

Australian-Based Customer Service

24/7 Emergency Assistance

25 Day Cooling Off Period#

Fast and Simple Claims Process

Chosen by over
501,284
travellers and counting

4.6
From over 2,527 reviews°
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4.6
From over 2,291 reviews°
Image

What Our Travellers Are Saying

How Can We Help, Mate?

Fast Cover’s Aussie based emergency assistance team are available to provide support when you need it, wherever you are. ^

Overseas 24/7 Emergency Assistance

Emergency Assistance Team: +61 2 8320 7999

Emergency Consular Services

Travel Alerts and Advisories

Fast Cover Travel Alerts

Official Smartraveller Government Website

Travel Advisories Explained

Customer Service

Customer Service: +61 2 8215 7239

9am-5pm AEST Monday - Saturday

Manage Your Policy

Login to Update Policy Details

Find a Policy Document

Make a Claim Online

FAQs about International Travel Insurance

The cost of international travel insurance for your overseas trip will vary depending on a person-to-person basis. This is because of various factors, including but not limited to the type of policy you choose for your trip overseas, where you are travelling, the length of your trip, the time between purchase and departure, personal characteristics such as existing medical conditions and age, as well as any add-ons that you choose. When you are applying for insurance, make sure to share all relevant information honestly and completely. 

To determine the cost of international travel insurance for your upcoming overseas trip, request an international travel insurance quote today. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on whether travel insurance is right for you and which policy is right for you and your needs.

Natural disasters may occur in many countries all over the world. So, if you’re planning a trip overseas, consider taking out a travel insurance policy as soon as you pay for your flights or accommodation in case you are forced to cancel your trip due to a natural disaster. Keep an eye on our Travel Alerts for your overseas travel destination, travel advisories from the official govenment website Smartraveller and travel warnings from the Australia government.  

If you take out a travel insurance policy after the event has occurred, it is unlikely that there will be cover under the policy as the natural disaster will be a known event. The event must have begun after we issued the Certificate of insurance.  

Our Trip Cancellation Expenses benefit may provide cover for cancellation, delays or rescheduling by a bus line, airline, shipping line or rail authority due to natural disaster.  

Our Trip Disruption Expenses benefit may also provide cover for when your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of a natural disaster.   

As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on whether travel insurance is right for you and which policy is right for you and your needs. 

You might want to consider purchasing travel insurance online for international travel when you book or pay for your flights, accommodation and tours. Fast Cover’s cancellation cover allows you to make a claim for trip cancellation expenses for non-refundable bookings you’ve already paid, like flights, accommodation, cruises and tours, if you’re not able to travel overseas due to an unexpected emergency that is covered under your policy.

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on whether travel insurance is right for you and which policy is right for you and your needs.

You can purchase a policy anytime from 12 months prior to departure right up to the date of departure. You might consider whether you should buy it as early as possible as it may give you the longest period of cancellation cover for any pre-purchased accommodation, transport or ticket costs. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding which policy is right for you and your needs.

Kids can be covered under a Family or Single policy for both domestic and international trips if they are your children or grandchildren or children or grandchildren for whom you are the legal guardian who are aged 20 and under and not in full-time employment. They (dependant/s) must travel with at least one of the adults listed on the certificate of insurance for 100% of the person travelling’s itinerary. 

Other children travelling with you and without their parents or grandparents cannot be covered under your Family or Single policy. They will need to take out their own policy, or have their parent or guardian take out a policy to cover them. 

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on whether travel insurance is right for you and which policy is right for you and your needs. 

International Travel Hub

Discover travel resources, advice and tips for your next holiday overseas.

world globe

Travel Guides

We’ve created travel guides for many destinations to help you learn about local safety, health tips, laws and customs, tourist advice, what to pack, transport options, contact details, and seasonal activities before you go. ~

person holding world globe in their hand

Travel Tips and Trends

From packing tips to tech and helping you chose a safe travel destination, Fast Cover’s travel tips and trends can help you plan and prepare for your next trip overseas. ~

australian passports on envelope

Visa and Entry Requirements

Check our visa and entry guides on key travel destinations to help you understand visa and entry requirements, and the travel documents you'll need before you head overseas.~

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.

^ Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply to all policies. Make sure you consider the PDS and TMD at fastcover.com.au prior to deciding whether travel insurance is right for you and which policy is right for you and your individual needs.  

# 25-day money back guarantee applies provided your trip has not started and you have not exercised any rights under the policy (e.g. made a claim or used the policy to obtain a visa).  

° Ratings and awards are only one factor to be taken into account when deciding whether this product is right for you. The star rating is accurate as of 13/08/25, check Product Review and Google for current ratings. 

~ These are only some of the resources, please do your own research to find out more information as per your specific needs and circumstances and whether the information provided in these resources is correct and current.