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International Travel Insurance

Travel insurance when you are travelling internationally 

International travel insurance should be considered 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 what you consider to be ‘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.

 

What benefits does our international travel insurance include?

The benefits of Fast Cover’s policies are shown in the tables below:

Medical Benefits

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

Overseas 24/7 Emergency Medical Assistance^

sub-limits:

 Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains home (per person)

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

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 $7,500 $5,000 $15,000 $15,000 $15,000

Personal computers,video recorders or cameras (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 Optional Optional Optional

Return of Rental Vehicle

 $500 $500 $500 $500 $500

Travel Delay Expenses

sub-limits:

 ––– $2,000 ––– $2,000 $2,000 $2,000

Daily Limit (per person)

(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)

 $200 $200 $200 $200

Delay of Luggage and Personal Effects^

 ––– ––– ––– $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 home (per person)

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

COVID-19 Trip Cancellation & Disruption

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

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.

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, you should consider purchasing international travel insurance before you set off.

Not only does it provide you with access to 24 hour Emergency Assistance, but it can also help 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.

The Australian government won't pay your bills, and 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. If you're in a country with a Reciprocal Health Care Agreement with Australia, you may have access to subsidised health care, but keep in mind that they won't cover the cost if you require emergency repatriation back to Australia if you're seriously sick or injured.

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:

  • Backpacker
  • Flashpacker
  • Senior
  • Business traveller
  • Volunteer
  • Student on exchange
  • Holidaymaker
  • Gap Year traveller
  • Adventurer
  • Cruiser
  • Frequent traveller

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 & 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.

How do I choose my travel destination?

Just enter the country or countries that you're planning on travelling to. And if you need to add other countries after you've bought your policy? Just contact us and we'll add it for you - depending on the country or countries you want to add, you may not need to pay an extra charge!

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.

Find out more information on how to choose your travel destination, including the countries that we can't provide cover for, in our Which country or travel insurance region do I choose? page.

Check the table below to find the appropriate region for your trip:

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

Why choose Fast Cover for your international travel insurance?

Fast Cover provides specialist travel insurance for international travellers heading to almost 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 may have an international travel insurance policy to suit your age, traveller type and budget. 

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:

  • 25 Day Money Back Guarantee
  • Optional cover for up to 10 dependants under 21 years of age
  • Medical screening available for your medical conditions.
  • 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 High Value Items
  • Flexible Excess options

With Fast Cover travel insurance, you can set off on your international adventure knowing our emergency assistance team is available 24 hours a day, 7 days a week, 365 days a year to provide you with assistance if you need it.

Example Incidents:

Missed Connections in Venice

Judith was on her way to Europe via a stopover in Dubai when a delayed flight meant she missed her prepaid train connection in Venice. Stranded until the following day, she called the Fast Cover Emergency Assistance team who helped to arrange accommodation nearby so she could catch the same train and get back on her journey. Her Comprehensive policy covered her additional accommodation and meal expenses as well as the taxi fares to and from the station.

Carl's Cancellation Costs

Carl and his wife had planned and pre-paid for a trip to attend a 100-year birthday celebration and family reunion, followed by a homeward cruise from Southampton. Unfortunately, a few months before their departure, an unexpected medical diagnosis meant they were forced to cancel their holiday. Thankfully they had purchased travel insurance well in advance and were completely covered for their cancellation costs and lost deposits. After submitting a claim online and providing all the required documentation, they received a payment of over $10,000 AUD within the week.

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.

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.