Travel insurance when you are travelling internationally
International travel insurance is essential no matter where you're headed or how tight your budget may be!
Every year thousands of travellers set off to explore new locations and cultures around the world.
Shopping in Singapore, island hopping in the Pacific, cruising to Alaska, hiking to Machu Picchu in Peru, or simply wandering the streets of Paris or Rome in search of the most authentic cuisine. Overseas travel offers an unlimited variety of new experiences and adventures!
But even if you’ve thoroughly researched your destination, or only travel to ‘safe’ countries, you can never be absolutely certain that something won't go wrong along the way.
An international travel insurance policy can provide cover for a wide variety of situations. You may get sick or injured in an accident, or have your bag lost by the airline. You may even find yourself stranded due to a natural disaster, or have to unexpectedly return home early because of a family emergency.
Who should get international travel insurance?
Any traveller heading overseas should consider purchasing international travel insurance before they depart.
This includes singles, couples, families, and friends, whether you're a:
- Business traveller
- Student on exchange
- Gap Year traveller
- Frequent traveller
Why should you get international travel insurance?
Whether you're travelling internationally to visit family, taking a break from work or study, or simply want to see the world, purchasing international travel insurance is essential before you set off.
Not only does it provide you with access to 24 hour Emergency Assistance, but also helps to cover unexpected expenses in a wide variety of situations.
Some common complications of overseas travel include:
- Overseas medical and hospital expenses
- Unexpected trip cancellations
- Unexpectedly having to return to Australia
- Loss or theft of travel documents
- Damage or theft of personal items such as luggage, mobile phones, cameras, laptops, etc.
- Travel delays
Many people don't realise until it's too late that they'll be the one who has to fork out for emergency medical treatment or other expenses if anything goes wrong on their travels.
Medicare and private health insurance generally doesn't cover you while you’re travelling internationally, so it will be up to you (or your family) to cover the costs if you run into trouble overseas.
Which region do I choose as my travel destination?
To make things faster and easier, we've grouped every country into a region, so there's no need to list every single destination you plan to travel to.
Simply select the highest region you need for your trip and you’re automatically covered for every country included in that region, as well as all the countries in the lower regions as well.
For example, if you select Asia as your region of travel, you'll be covered for travel to anywhere in Asia plus the Pacific, New Zealand and Domestic regions as well.
Check the table below to find the appropriate region for your trip:
What are some of the main benefits to look for in an international travel insurance policy?
Every traveller has different priorities when they travel internationally, but some of the main benefits you might want to look for in a travel insurance policy include:
- Worldwide 24 Hour Emergency Assistance
- Cover for Emergency Medical and Hospital Expenses
- Cover for Cancellation Costs
- Cover for Travel Delays
- Cover for Luggage and Personal Belongings
Remember that it's important to compare the different benefit limits and exclusions when shopping around for a travel insurance policy, not just the price.
What benefits does our international travel insurance include?
The benefits of Fast Cover’s policies are shown in the tables below:
Why choose Fast Cover for your international travel insurance?
Fast Cover provides specialist travel insurance for international travellers heading to every corner of the globe.
Whether you're trekking across South America on a solo backpacking expedition, celebrating retirement with a luxury cruise around the Caribbean islands, or taking the family on a tour of Europe, we have an international travel insurance policy to suit all ages, traveller types and budgets.
Our policies are simple and straightforward, but flexible enough that you can tailor the benefits to cover the things that are most important to you.
- No Medical Assessments required at time of purchase
- 14 Day Money Back Guarantee
- Free cover for up to 10 dependants under 21 years of age
- Automatic cover for 43 Pre-existing Medical Conditions
- Automatic cover for a huge list of sports and activities
- An optional Adventure Pack add-on to cover extra adventure activities
- An optional Motorcycle Pack add-on to cover motorcycle, moped or scooter riding
- Optional cover for Skiing, Snowboarding and other Snow Sports
- Optional Rental Vehicle Excess Insurance
- Optional cover for your bicycle
- Optional cover for other High Value Items
- Flexible Excess options
With Fast Cover travel insurance, you can set off on your international adventure with confidence knowing our emergency assistance team is available 24 hours a day, 7 days a week, 365 days a year.
|Trip Cut Short
John and his wife were on a round-the-world cruise from Sydney to New York, and had planned to spend four weeks in the USA afterwards. However, their plans were unexpectedly cut short when John broke his leg on cobblestones in Amsterdam. The on-board doctor fitted a surgical boot, but the couple decided to fly straight home for treatment after disembarking in New York. They were able to claim for their cancelled train journey to Washington, as well as the pre-paid accommodation, domestic flights within the USA and the return flights home.
|Sandra's Sickness at Sea
70-year-old Sandra from Canberra could have been left with medical bills totalling more than $29,000 AUD if she hadn’t purchased travel insurance. Sandra was on a 60 day cruise in Asia with her husband Jacob when she picked up a severe respiratory infection and needed to be evacuated from the ship. Fast Cover's Emergency Assistance team helped coordinate her medical transport and treatment as well as organising accommodation for Jacob to stay nearby while she recovered in hospital. They also arranged alternative flights home under medical supervision with oxygen once Sandra was declared fit to fly.
|Easy, great rates and excellent service
Used Fast Cover many times and very good value for money. Very easy to get a quote and policy online and excellent customer service. Have had to claim twice without any hassles.
Alitas – Productreview.com.au
|Excellent response and outcome, will use again
After being robbed of passports, credit cards and basically everything we needed on the morning we due to fly home, we were devastated and worried what our insurance would cover. We needn't have! We were reimbursed for almost everything: new passports, taxi fares, extra two days living expenses and best of all full reimbursement of our airfares home including our upgrade to business class which we bought just a few days before we were due to fly home.
Ross – Productreview.com.au
|Easy to get travel insurance
I have had several trips covered by Fast Cover and have only just obtained another policy for my next trip. Being a Senior and over the age of 80 years, I find it is extremely easy to obtain a policy without having to apply each time to my doctor for health details. As I enjoy great health I have had no worries at all with my coverage, and the pricing was good value. Extremely happy with customer support.
Noel – Productreview.com.au
~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.
↟Based on 365 day Basics policy to New Zealand region for a single traveller 50 years old or younger with $200 excess.
^ For travellers aged 80 - 89, 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.
2 5% 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.
3 Children or dependants under 21 years old and not in full time employment covered for free when travelling with an insured adult. Excludes Duo policies.
4 Price based on an 18 day Basics policy to Pacific region for Single traveller aged 50 years old or younger with $200 excess.
5 Additional terms and conditions, limits and excesses apply to travellers aged 80-89.
6 Must be accompanied by a professional instructor or guide.