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Medical Only Travel Insurance

Taking out medical coverage only allows you to claim for medical only out of pocket costs whilst travelling overseas

Medical only travel insurance 

Sometimes when you're shopping around for basic medical only travel insurance, you'll find policies loaded with things you don’t want or need.

Perhaps you’re taking only what you can carry with you on a backpacking trip, or going on a short holiday to somewhere familiar.

Why cover expensive luggage and personal belongings if you aren’t taking anything of value? Or pay extra to cover travel delays if you're flying direct and staying in one destination for your whole trip?

If you just want a medical-only policy to cover emergency medical and hospital expenses, without all the extra bells and whistles, Fast Cover has created a policy just for you.

Our Basics medical only travel insurance provides cover to protect travellers during overseas medical emergencies and hospital expenses, with the option of adding on luggage cover if you need it.

Fast and simple!

Who should get Basics travel insurance?

Accidents do happen, and medical expenses can quickly add up to the tens of thousands of dollars overseas.

The Australian Government Department of Affairs and Trade reports that a medical evacuation from Bali could set you back around $60,000 AUD, and if you get injured or sick in the United States, you can expect hospital bills starting at $5,000 USD per night!

Travellers who should consider purchasing Basics travel insurance include:

For travellers looking to supplement existing cover you have from other insurance such as through your credit card provider, for example, a medical-only policy like our Basics cover can be a good option if you’re not completely confident with what they offer.

The travel insurance can help to fill in the gaps after you've claimed what you can from your credit card insurer.

What are the benefits of Basics travel insurance?

Basics travel insurance is a simple way of protecting what’s most important in life and while you’re travelling: your personal health.

With our medical-only Basics policy, you’ll have cover for the unexpected medical and hospital expenses that can arise when you travel overseas.

No Medical Assessments

To make it fast and simple for you to get a policy, we automatically cover a set list of 43 Pre-Existing Medical Conditions without the need to complete a medical assessment.

High Quality Medical Cover

With Basics medical-only travel insurance, you get a high level of cover for medical and hospital expenses for the duration of your trip. This means that you’ll have cover for something as common as having to seek medical attention for a minor illness or injury, as well as major medical expenses like hospitalisation and medical evacuation if necessary.

Emergency dental treatment up to $500 per person is also included in our Basics policy.

Help When You Need It

When you purchase a Basics medical-only policy, you're also getting unlimited access to 24 hour Emergency Medical Assistance.

You’ll be able to contact our emergency assistance team whenever you need to. No matter where in the world you travel, you’ll only ever be a phone call away from prompt and professional help from experienced Medical Advisers who can assist you if you need emergency medical treatment while overseas.

Optional Luggage Cover

If you still need a little bit of cover for your belongings, you can choose to add on up to $2,000 worth of cover for luggage and personal items at the time of purchase. 

Compare the levels of cover in our table of benefits below:

Why choose Fast Cover for your Basics travel insurance?

Fast Cover’s Basics travel insurance provides travellers with specialist support and a high level of cover for unexpected medical expenses and emergencies overseas.

You can have peace of mind while you travel knowing that your health is covered, without paying for extra benefits you don't need on your journey. And, if you do need help, you’re only ever a phone call away from our 24 hour Emergency Assistance team.

Our Basics medical-only travel insurance provides great cover at a competitive price. It’s travel insurance made affordable and simple to understand.

Example Incidents~

Marge’s Medical Expenses

Marge visited a doctor in Dubai after her flight, suffering from pain and swelling in her thighs. She was sent for an ultrasound which revealed a superficial blood clot in her upper leg. As it was not related to a pre-existing condition, her Fast Cover policy covered the $1,300 AUD medical bill.


Warren's Watery Woes

Warren and his wife Laurel from Wollongong were on a cruise in the Pacific Islands celebrating their 50th wedding anniversary when Warren slipped on the wet decking and injured his hip. Fortunately, they had taken out a Fast Cover travel insurance policy at the same time as booking their flights and accommodation. The travel insurance policy cost less than $280 and provided cover for almost $24,000 AUD worth of medical treatment and their return home under medical supervision.


~Traveller details have been changed to protect their privacy. Claims examples are from Fast Cover travel insurance customers from 1 July 2013 to 30 June 2016.

Traveller Testimonials


First time I have ever set out a policy online and I found it very easy to set up. I am now looking forward to the cruise and am very glad I found Fast Cover Insurance.

Maria –


Best and less!

My husband was bitten by a dog while on holiday in Thailand, and one phone call solved all our questions and worries. Full support all the way and fast refund of expenses when we arrived home. I am recommending Fast Cover to all my friends.

Robo –


Cruise Travel Insurance

Was looking for cheap travel insurance for a cruise next week. I found Fast Cover on the internet and within seconds had a very affordable quote and within another minute I had the policy I wanted. Thanks Fast Cover for making this a very simple experience. You guys are awesome!

Debbie – Compare Travel Insurance


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

FAQs Medical Only Travel Insurance

Contact the Worldwide 24/7 Emergency Assistance team straight away and provide the details as to why you need medical assistance. 

The Worldwide 24/7 Emergency Assistance team can assess the situation and work out what would need to be done and if required, assist you to find ways to pay any amount.

Read more about travelling with medical conditions:

Cover is only available if:

  • You are an Australian citizen or permanent resident of Australia, who has resided in Australia for at least 200 days of the 12 months immediately preceding your trip, and hold a current Australian Medicare card which is not a visitor Medicare card; and 
  • You purchase your policy before you commence your trip or you satisfy all of the requirements for purchasing a policy while you are already overseas; and 
  • Your trip ends in Australia; and 
  • You are aged 89 years and under.

For temporary residents of Australia, cover is available, however, only if: 

  • You are a non-permanent resident who holds a valid Medicare card or are covered by an Australian Private Health Insurance policy that satisfies the government health insurance requirements for your visa type; and 
  • You have a home in Australia to which you intend to return; and 
  • Your trip starts and ends in Australia; and 
  • You hold a return ticket to Australia; and 
  • You are aged 89 years and under. 
  • In the event of a medical repatriation from overseas, we will return you to Australia. 
  • Medical expenses incurred once you have returned to Australia are not covered on this policy. 
  • It is therefore important that you ensure you have access to long term medical care in Australia.
  • If you are not an Australian resident or do not satisfy the above conditions, you cannot buy a Travel Insurance policy. If you do, it will be INVALID. Please contact our affiliate Aussie Travel Cover* on 02 9998 7854 and they may be able to offer you a non-Australian resident travel insurance policy.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

*Fast Cover Pty Ltd receives a commission from Aussie Travel Cover for each referred policy.

We CANNOT cover Pre-Existing Medical Conditions that are NOT on our list of Automatically covered Pre-Existing Medical Conditions.

Please contact our affiliate Aussie Travel Cover* on 02 9998 7854, they may be able to take you through a medical assessment over the phone and create a travel insurance policy for your specific condition.

Please note that Aussie Travel Cover:

1) Policies can ONLY be done over the phone.

2) Medical assessments can ONLY be done by the person requiring the insurance (unless they have given you authority over the phone) or for their dependent.

3) They will need your medical history detailing the condition that you have and the medication you are on.

*Fast Cover Pty Ltd receives a commission from Aussie Travel Cover for each referred policy.

You are free to choose your own medical practitioner or we can appoint an approved medical practitioner to see you, unless you are treated under a Reciprocal Health Agreement. 

You must, however, advise us of your admittance to hospital or your early return to Australia based on written medical advice. 

If you do not get the medical treatment you expect, we can assist you, however we (the Insurer) and the agents of the insurer, are not liable for any problems that result from you choosing your own medical practitioner.

For emergency assistance anywhere in the world at any time, the Worldwide 24/7 Emergency Assistance team is only a telephone call away.

The team will help with medical problems, locating nearest medical facilities, your evacuation home, locating nearest embassies and consulates, as well as keeping you in touch with your family and work in an emergency.

If you are hospitalised, you or a member of your travelling party, MUST contact the Worldwide 24/7 Emergency Assistance team as soon as possible. If you do not, then to the extent permissible by law, we will not pay for these expenses or for any evacuation or airfares that have not been approved or arranged by the Worldwide 24/7 Emergency Assistance team.

If you are not hospitalised but you are being treated as an outpatient and the total cost of such treatment will exceed $2,000, you MUST contact the Worldwide 24/7 Emergency Assistance team. 


We will not pay for any hospital or medical costs incurred in Australia.

For more information, refer to our Product Disclosure Statement (PDS).

Excess is the initial amount that you would have to pay if you were to make a claim.  The excess on claims depends on the Standard Excess level you chose at the time that you purchased your policy.

For example, if you selected the $200 Excess for your policy, and you made a claim for medical expenses for $1000, you would get back $800. If you had a NIL excess on your policy, you would get back the full $1000.

For policies purchased BEFORE you have departed Australia:
You can choose between $200, $100 or $0 Standard Excess. It may also depend on the section of the policy you make a claim under.

For policies purchased AFTER you have already left Australia:
The excess for already overseas policies is $500. It is NOT possible to reduce or remove this excess.

Medical Excess:
For travellers aged 80 - 89, a $2,000 medical excess applies for all claims arising from, related to or associated with an injury or sickness.

It is NOT possible to reduce or remove the medical excess for travellers aged 80 - 89.

For more information, refer to our Product Disclosure Statement (PDS).

Read more about travel insurance excess:

A $2,000 excess applies for all claims arising from, related to or associated with an injury or sickness.

A $200 excess applies to claims which are not related to an injury or sickness, unless you have paid the additional premium for excess reduction. 

Refer to the 'Age Limits' section of the Product Disclosure Statement (PDS) for the terms and conditions relating to travellers 80-89 years of age.

Things you need to know

* 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, limits and excesses 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.