International Travel Insurance | Overseas with Fast Cover

Domestic

All of Australia including Lord Howe Island, Thursday Island, Christmas Island, Cocos Island and Norfolk Island

Not included

Pacific

Bali, Indonesia, New Zealand & South Pacific. (Choose Worldwide for Hawaii)

Not included

Asia

All Asian countries except Japan. (Choose Worldwide for Japan)

Not included

Europe

All European countries
(including Turkey) and the Russian Federation.

Not included

Worldwide

All countries including North & South America (including Hawaii), Japan, Middle East, Africa & Antarctica.

Not included
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Children under 21 covered free of additional charge* ?
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Cover for an unlimited number of trips over a 12 month period*.
Available to travellers 59 and under.

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International Travel Insurance

Overseas travel offers you an almost endless list of adventures. Shopping in Singapore, cruise to Alaska, hike through Nepal, explore ancient Egypt or wander through the streets of Rome.

Even though you’ve planned your trip well or only travel to ‘safe’ countries, as in life, we can’t plan everything and there’s always the chance that something can go wrong. And that’s why travel insurance is necessary whenever you go on holidays. If you unexpectedly become sick or are in an accident, your luggage is stolen or you have to return home due to an emergency, travel insurance can help you get the assistance you need.

Who is international cover for?

Overseas travellers of all kinds including single travellers, couples, families or friends of any age including:

  • Holiday makers
  • Backpackers
  • Working holiday makers
  • Business travellers
  • Volunteers
  • ‘One way’ travellers

We know plans can change, so we've grouped countries into regions

To make things easier, simply select your region and you’re automatically covered for every country included in that region and also all the countries in the other regions as set out in the PDS.

Region

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

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

UK
Germany
France
Greece
Spain
Russia
Australia
Pacific
Asia
Asia

Cambodia
Malaysia
Philippines
Singapore
Thailand
Vietnam
Australia
Pacific
Pacific

Bali
Fiji
New Zealand
Norfold Island
Islands in the South Pacific
Australia
Australia

Thursday Island
Lord Howe Island

Why should you get international travel insurance?

Whether you are travelling internationally to visit family or you have a passion for travel that won’t quit until you’ve seen the world, getting international travel insurance is essential before you set off. Your Medicare or private health insurance may not cover you while you’re overseas. 

Many people aren’t aware, without travel insurance, you will be the one who’ll have to pay for any unexpected complications including:

  • Overseas medical expenses
  • Sudden trip cancellations
  • Unexpected return to Australia
  • Loss or theft of travel documents
  • Damage or theft of personal items such as luggage, mobiles, tablets, laptops, etc.

What are some of the main benefits to look for in a travel insurance policy when travelling overseas?

  1. Emergency medical assistance
  2. Emergency medical and hospital expenses
  3. Cancellation cover

Fast Cover considers these as important benefits to have in your insurance policy when you travel internationally. Our Standard and Comprehensive policies both have unlimited* cover for each of the above benefits.

What does international travel insurance include?


The benefits of Fast Cover’s Standard and Comprehensive policies are shown below:

Medical Benefits

Medical Only Domestic Standard Comprehensive Comprehensive Snow Multi Trip

Overseas Emergency Medical Assistance^

sub-limits:

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

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

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas Emergency Medical Assistance^

sub-limits:

$40,000 ––– $40,000 $40,000 $40,000 –––

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

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas Emergency Medical Assistance^

sub-limits:

$30,000 ––– $30,000 $30,000 $30,000 –––

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

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas Emergency Medical Assistance^

sub-limits:

Unlimited
$40,000
––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
–––

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

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas Emergency Medical Assistance^

sub-limits:

Unlimited
$30,000
––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
–––

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

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas Emergency Medical Assistance^

sub-limits:


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

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

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

$40,000 ––– $40,000 $40,000 $40,000 $40,000

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

$30,000 ––– $30,000 $30,000 $30,000 $30,000

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

Unlimited
$40,000
––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:

Unlimited
$30,000
––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
–––

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Overseas Emergency Medical & Hospital Expenses^

sub-limits:


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

Emergency Dental Expenses (per person)

$500 $500 $500 $500 $500

Hospital Cash Allowance^^

sub-limits:

––– ––– $2,500 $5,000 $5,000 $5,000

Daily Limit (per person)

$50 $50 $50 $50

Accidental Death

sub-limits:

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

Death of a Dependant (per Dependant)

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

Permanent Disability^^

sub-limits:

––– ––– ––– $25,000 $25,000 $25,000

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

Medical Only Domestic Standard Comprehensive Comprehensive Snow Multi Trip

Cancellation Fees & Lost Deposits

sub-limits:

––– Unlimited Unlimited Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

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

Relatives with a Pre-existing Medical Condition

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

Cancellation Fees & Lost Deposits

sub-limits:

––– $40,000 $40,000 $40,000 ––– –––

Travel Agents Cancellation Fees

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

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Cancellation Fees & Lost Deposits

sub-limits:

––– $30,000 $30,000 $30,000 ––– –––

Travel Agents Cancellation Fees

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

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Cancellation Fees & Lost Deposits

Travellers Aged 80 to 89:

sub-limits:

––– Unlimited
$40,000
Unlimited
$40,000
Unlimited
$40,000
––– –––

Travel Agents Cancellation Fees

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

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Cancellation Fees & Lost Deposits

Travellers Aged 90 and above:

sub-limits:

––– Unlimited
$30,000
Unlimited
$30,000
Unlimited
$30,000
––– –––

Travel Agents Cancellation Fees

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

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Cancellation Fees & Lost Deposits

Travellers Aged 80 to 89:
Travellers Aged 90 and above:

sub-limits:

–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
––– –––

Travel Agents Cancellation Fees

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

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $1,500 $1,500

Personal Liability

$2,500,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Additional Expenses

sub-limits:

––– $50,000 $30,000 $50,000 $50,000 $50,000

Resumption of Journey

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

Relatives with a Pre-existing Medical Condition

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

Luggage & Personal Effects

sub-limits:

––– $7,500 $5,000 $7,500 $7,500 $7,500

Personal computers,video recorders or cameras (per item)

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

Mobile phones (including PDAs and any items with phone capabilities) (per item)

$1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

$750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unoccupied vehicle during daylight hours (limit of $200 per item applies)

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

Travel Documents, Credit Cards & Travellers Cheques^^

––– ––– $2,000 $5,000 $5,000 $5,000

Alternative Transport Expenses

––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Insurance 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

Luggage & Personal Effects Delay Expenses^^

––– ––– ––– $250 $250 $250

Theft of Cash^^

––– ––– ––– $250 $250 $250

Snow Sports Benefits

Medical Only Domestic Standard Comprehensive Comprehensive Snow Multi Trip

Snow Sport Overseas Emergency Medical Assistance

sub-limits:

––– ––– ––– ––– Unlimited –––

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

$15,000

Snow Sport Overseas Emergency Medical & Hospital Expenses^^

sub-limits:

––– ––– ––– ––– Unlimited –––

Emergency Dental Expenses (per person)

$500

Own Snow Sport Equipment

––– $1,500 ––– ––– $1,500 –––

Snow Sport Equipment Hire

––– $1,500 ––– ––– $1,500 –––

Snow Ski Pack

––– $750 ––– ––– $750 –––

Piste Closure

sub-limits:

––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

$100 $100

Bad Weather & Avalanche Closure

––– $750 ––– ––– $750 –––

Please note: This is only a summary of benefits. Exclusions and sub-limits apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. 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 table of benefits in the PDS for full details.

 

^There is no cover under these Policy Sections while travelling in Australia. There is cover under these Policy Sections while travelling on a domestic cruise in Australian waters where you have purchased Plans A, S or B (selecting Region 3) or Plan M. Refer to the "Geographical Regions" section of this PDS for details (pages 12 to 13). ^^ There is no cover under these Policy Sections while travelling in Australia - refer to the "Geographical Regions" section of this PDS for details (pages 12 to 13).

Why choose Fast Cover?

Fast Cover has a wide range of insurance options so you can get the right cover for your international trip.

More than that:

  • Fast Cover is underwritten by Allianz with 24/7 emergency support operating in 28 countries globally
  • 14 Day ‘no questions asked' Money Back Guarantee
  • We don’t require you to fill out a medical assessment when you take out your policy.
  • 44 pre-existing medical conditions are automatically covered.

Travel with confidence knowing your travel insurance policy is underwritten by Allianz.

Uncapped medical & hospital cover. 3 *

Wherever you’re travelling and whenever you need us, our Global Assistance Team are ready and waiting to help.

When you need us most, wherever you are in the world, our expert assistance is available 24 hours a day, 7 days a week. *

Ready to get a quote?

Frequently Asked Questions about International Travel Insurance

  1. Am I covered if I go on a Working Holiday?

    Yes, you are covered for both your working and non-working hours. You would NOT be covered for Loss of Income or any loss which is recoverable by compensation under any workers for an overseas job.

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  2. Am I covered if I am doing Volunteer Work overseas?

    Yes, as long as you are not performing any dangerous activities. You should always follow the Australia Governments warning regarding traveling to unsafe places.

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  3. When should I buy my Travel Insurance?

    You can buy your Travel Insurance up to 12 months before your Departure Date and you need to buy your policy BEFORE you leave Australia. Unlimited Cancellation cover for Cancellation Fees and Lost Deposits starts instantly when your policy is issued. It can be best to buy your policy as early as possible to cover you for Cancellation should the unexpected occur before you start your trip.

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  4. Do I need a return ticket for my policy to be valid?

    No, you don't need a return ticket for your 'Return Date'. Select the date that you plan to arrive back home. You can Extend the Return Date online when you are overseas through the 'My Policy' Tools menu.

     

    However, you CANNOT shorten the duration of your policy. If you have to shorten your trip and return home on medical advice and do not already have a return ticket, the amount of the claim will be reduced by the price of the fare to Australia from the place you planned to return to Australia from.

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  5. If I get sick or injured and go to hospital, do I have to pay the hospital fees first and then make a Claim?

    If you are hospitalised, please contact Allianz Global Assistance as soon as possible. If you are too ill to do this, give your Policy details to your medical team, who will be able to contact Allianz Global Assistance on your behalf.

     

    If the cost of the treatment is significant (more than $2000), Allianz Global Assistance will communicate with your medical team as to your condition and treatment. If approved, Alliance Gloabal Assistance will be your guarantor and pay the hospital directly for your hospital bills.

     

    If the cost of the treatment is under $2,000, you may need to pay for your costs upfront and make a claim at a later date.

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Australia's most
popular destination
is NZ +

60% of overseas travel was for a holiday +

2/3 of overseas spending was for holiday +

*See Product Disclosure Statement for full terms and conditions and exclusions and limits that 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

1The premium paid is refunded within 14 days after you are issued your Certificate of Insurance provided you have not started your Journey and you do not want to make a claim or to exercise any other right under the policy. 3Emergency Medical & Hospital Expenses. 4Emergency Medical Assistance. 5The cover for cancellation fees and lost deposits begins from the time the policy is issued. 6Buy a Duo policy and save 5% versus the cost of two single policies. Excess reduction discount is based on the cost of excess reduction under a Duo policy versus the cost under two single policies. Duo policies do not provide cover for any dependant children. 7Your children or grandchildren not in full time employment who are under the age of 21 and travelling with you on the Journey are included at no extra charge. 8Spouse (or legally recognised de facto) and Dependants covered for free when accompanying primary policyholder. 9Based on a 0-59 year old travelling to the Pacific region for 4 weeks, Plan E Standard with an excess of $200. 10Provided you have not been hospitalised (including any day surgery or emergency department attendance) for the condition in the 24 months prior to the time of policy issue.

Need a hand?

1300 409 322
enquiries@fastcover.com.au
Fax: (02) 8252 4710

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