Our Policies Explained

Fast Cover believes in making insurance fast and simple while providing Our travellers with great cover and value. We have put together a range of Policies that can cover a year-long adventure in Canada down to a weekend road Trip in Australia.

If You are the kind of person who likes to have broad cover, the Comprehensive Policy offers Our highest level of cover. For travellers who are more budget conscious but still want a high level of cover, Our Standard Saver Policy is a great choice. If You just want the essentials, then Our Basics Policy provides the necessary emergency assistance and medical cover with the option of adding luggage cover.

For travellers who love to ski and snowboard, Our Snow Sports Plus Policy includes cover for Advanced terrain, Off-piste, cat skiing, heli-skiing, Backcountry & snow mobiling. Some limits and conditions apply, see the Snow Sports section for a full description.

If You are travelling in Australia, Our Domestic Plus Policy covers Cancellation, Luggage and Rental Vehicle Excess cover. It also covers You for Snow sports in Australia.

If You travel multiple times a year Our Frequent Traveller Saver Policy allows You to take an unlimited number of Trips in a 12-month period up to a specified number of days for each Trip. You can choose from 15, 25, 40 or 63 days and You have the option of adding cover for Your spouse and Dependant children. Cover for travelling on a Cruise ship is automatically included with the Frequent Traveller Saver Policy.

Selecting countries You are travelling to

Enter the country You are travelling to.

Cover Types

You can choose one of the following cover types

Age Limits

This Policy is available to travellers aged 89 years or less at the time of Policy purchase, however Age-related limits may vary depending on the selected Policy type and the cover You require.

Medical conditions cover

By way of basic overview, We do not cover any claims under the Policy benefits Arising from any Medical condition or Pregnancy condition that existed during

Pregnancy cover

We cover for Your unexpected serious Complications of pregnancy and childbirth (see Table 1.1 on page 17 for Our definition of Complications of pregnancy and childbirth) that occur

Sports and leisure activities

Subject to the terms and conditions of Your Policy, You are covered for a number of non-contact sports and leisure activities.

Travelling on Cruise Ships

Cover for travelling on Cruise ships is available provided You specify this at the time You purchase Your Policy. However, cover for travelling on Cruise ships is automatically included with the Frequent Traveller Saver Policy.

Travelling only within Australia

Only certain benefits of cover are available when You travel within Australia, provided Your destination is at least 200 km from Home.

Accompanying Dependants

Cover is available for up to 10 Accompanying Dependants under the Single and Family Policies. Note that the benefit limits for Single and Family cover types apply to the combined total of all claims made by the travellers (including Dependants) listed on the Certificate of insurance.