Single Travel Insurance for Solo Travellers

Cancelled holidays can be both disappointing and expensive, especially if you have paid for flights, accommodation, or tours. If you become unexpectedly ill, injured, or experience another covered event under your policy that forces you to cancel your trip, Fast Cover’s Trip Cancellation Expenses benefit may reimburse the non-refundable costs you’ve already paid. ^

At Fast Cover, you can buy Single travel insurance up to 12 months before your departure date, allowing you to cover pre-paid trip costs even before you book your flights or accommodation.

Cover for missing, lost or accidentally damaged luggage and personal items such as laptops, cameras, and phones is automatically included with all Fast Cover policies except our Basics policy, giving solo travellers who pack light or travel on a tighter budget the option to add this cover if they need it. ^

Benefit limits and sub-limits apply to how much can be claimed for each item, and conditions set out when and how cover applies. For full details, it’s important to read the PDS to understand your entitlements and any exclusions that may apply. ^

Travel delays can happen for many reasons. If your pre-booked transport is cancelled and reschedules, or delayed due to an event covered by your policy, Fast Cover’s Travel Delay Expenses benefit is available to reimburse you for the reasonable cost of extra meals and accommodation. ^

This benefit can provide cover of up to $200 for each traveller (excluding dependants) for each 24-hour period if your scheduled transport is delayed for at least 6 hours from the time your transport was scheduled to depart, due to circumstances outside your control. ^

With Fast Cover’s Single travel insurance for overseas trips, you’ll have access to our Australian-based Emergency Assistance team, available 24/7. ^ 

Depending on your situation, Fast Cover’s Emergency Medical Assistance team may be able to assist you during unexpected medical emergencies overseas by: 

• Locating and arranging overseas medical treatment or hospital admission, 
• Coordinating approved medical evacuation or repatriation, and 
• Providing guidance on accessing local medical support services. ^ 

Medical care overseas can be costly and daunting, especially for solo travellers. Fast Cover’s Single travel insurance is designed to help with the financial impact of unexpected illness or injury while overseas. 

Fast Cover may be able to provide cover for overseas emergency medical and hospital expenses if you become unexpectedly ill or injured while on your trip. This may include reasonable medical treatment, hospitalisation costs, or related medical expenses covered under your policy that you incur during your trip and are not reimbursed elsewhere. ^ 

If you experience a serious medical emergency while travelling, you might need to be medically transported or evacuated to the nearest hospital for emergency medical treatment or even be repatriated back to Australia for treatment with appropriate medical supervision. ^ 

Our Single travel insurance policies for international travel are available to provide solo travellers with cover for the reasonable additional accommodation and travel expenses, cost of medical transfer, evacuation or repatriation when these services are approved under your policy. All medical evacuations and repatriations must be arranged and approved by Fast Cover before they take place.  ^ 

Planning to add some adventure to your solo holiday? Fast Cover’s Adventure Pack gives you the option to include an extra list of adrenaline-pumping activities to help you tick off your bucket list. ^    

 Examples of some activities that require the Adventure Pack include:   

• Abseiling   
• Outdoor rock climbing   
• Quad biking   
• Tandem parachuting and tandem skydiving   
• Sailing from 10 -15 nautical miles off any land mass    
• Scuba diving up to a depth of 30 m   
• Water skiing, jet skiing, and speedboating    

Conditions apply for activities under our Adventure Pack so make sure to read the PDS for full T&Cs.   

The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue). Please note the Adventure Pack is not available on Basics policies. ^   

For more details, visit our page on travel insurance for adventure activities.  

Exploring on two wheels is a popular choice for solo travellers, offering freedom and flexibility to explore the world at your own pace. 

Fast Cover’s Motorcycle Pack is an optional extra that you can add to your Single travel insurance policy that may provide cover to you for being the rider or passenger on a:    

• Motorcycle,    
• Moped, or   
• Scooter. ^   

The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 years and under at the date of policy issue when they purchase an international travel insurance policy. ^   

For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.  

Please note that Motorcycle Pack is not available under our Domestic Plus policy. 

Whether you’re exploring local towns in a hire car or embracing the nomad life in a campervan, rental vehicles are popular for solo travellers, but they can come with a high insurance excess if something goes wrong. 

If your rental vehicle is in an accident, damaged or stolen during your trip overseas, Fast Cover can, depending on the policy chosen, and on payment of additional premium provide reasonable additional cover of up to $8,000 for the rental vehicle excess component of your rental vehicle insurance with your car hire company overseas.^   

Our Rental Vehicle Excess benefit applies to a:   

• Sedan, hatchback, or station wagon,      
• Four-wheel drive or minibus/people mover, or   
• Campervan or motorhome (up to 4.5 tonnes),    

rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms). ^   

For more details visit our page on rental vehicle excess cover and read our PDS for terms and conditions of cover for rental vehicle excess.   

Please note the Rental Vehicle Excess benefit is not available under our Basics policy. 

Are you travelling with high value items and worried they will get lost, stolen or damaged? If you would like to cover your valuable items for more than what they’re covered for under the standard luggage and personal effects terms and conditions, you can choose to specify them as a specified high value item for an additional premium. ^    

Below are some examples of items you may be able to specify as high value items. They will be specifically listed on your certificate of insurance to confirm cover.  

• Phone   
• Laptop  
• Camera   

For more details visit our page on travel insurance for luggage and personal effects and read our PDS on terms and conditions of cover for luggage and personal effects.   

Please note, specified high value items are not available under our Standard Saver, Basics and Domestic Plus policies. 

Pairing a winter holiday with snow sports? Unexpected events at the snow can snowball into costly expenses. If you’re planning to ski or snowboard overseas, answer yes to ‘Skiing or Snowboarding’ during your quote application. This gives you the option to purchase a “Snow Sports Plus Policy” which can provide cover for costs associated with ski and snow sports. ^ 

Below are some examples of things that may be covered in your snow sports benefits: 

• loss or theft of, or accidental damage to snow sports equipment, 
• for hiring replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been misdirected or delayed for a period of more than 24-hours, or has been accidentally damaged, lost or stolen during your trip, 
• if you are injured or become sick during your trip and are unable to utilise the full duration of your pre-booked and pre-paid lift passes, snow sports equipment hire, or lessons, we will reimburse you the percentage amount of the unused portion for each insured person, and 
• the cost of transport and lift passes at an alternate resort,  

in conditions and circumstances covered under your policy and as per limits and sub limits set out in our PDS. ^  

The Snow Sports Plus policy is available at an additional premium for Aussie travellers aged 69 and under at the date of policy issue, when they purchase an international travel insurance policy. ^  

For more details visit our page on travel insurance for skiing and snowboarding and read our PDS for terms and conditions of cover for Snow Sports.  

If your travel plans include cruising, you can choose to add cruise cover to your Single insurance policy for additional cover in case of unexpected emergencies on-board the cruise ship where no support or reimbursement is provided by the cruise company for these emergencies. ^ 

If you wish to be covered while travelling on a cruise ship, you must specify cruise cover at the time of purchase based on your destination and length of your cruise trip: 

• If you are travelling within Australian waters, the New Zealand or the South Pacific region for 1 night or more, you must specify cruise cover at the time of purchase  
• If you are travelling on a cruise within Asia, Europe or Worldwide regions for 4 nights or more, you must specify cruise cover at the time of purchase 

By adding this option, your existing Single travel insurance policy benefits will extend to when you’re on a cruise, whether it’s a domestic or international voyage. Adding cruise cover to your policy allows you to have cover both on board and on land, helping you stay covered throughout your entire trip. ^ 

For more details, visit our page on travel insurance for cruises and read our PDS for terms and conditions of cover for travelling on cruise ships. 

Please keep in mind that some existing medical conditions may require you to pay an additional cost for them to be included under your cover. You have the choice to either pay for this additional cost or not. If you choose to pay, the condition will be added to your policy and shown on your Certificate of Insurance. If you choose not to pay, that condition will not be covered.

If your health changes after purchasing your policy but before you travel, you will need to contact Fast Cover for a medical re-screening. This process may adjust your premium and will determine whether your condition can continue to be covered

Most trips require paying deposits or upfront costs for flights, accommodation, or tours. If you become unexpectedly ill or injured and need to cancel your plans, you could lose a significant amount of money if you’re travelling solo and not splitting the cost with anyone.

Travel insurance for solo travellers such as Fast Cover’s Single travel insurance can provide cover for trip cancellation expenses, helping to reimburse non-refundable pre-paid costs so you don’t have to absorb the financial loss yourself. ^

One of the biggest concerns for solo travellers and solo parents travelling with children is what would happen if they became unexpectedly ill or injured overseas.  

Fast Cover’s Single international travel insurance policies include cover for overseas medical and hospital expenses helping solo travellers and individual parents travelling children cover these costs overseas. ^ 

Even with careful planning, travel can be unpredictable. Flights can be delayed, connections missed, or plans changed by severe weather. Those moments can quickly add unexpected costs for extra nights of accommodation, last-minute meals, or rebooked transport, cutting into your budget.

With Single travel insurance, you may be covered for some of the reasonable additional expenses that come from travel delays and trip disruptions, depending on your circumstances and what’s covered under your policy. ^

Lost, stolen or damaged luggage and personal items can create ongoing hassles during your solo adventure. Replacing essentials like your laptop, camera, or travel gear can be costly.

Cover for luggage and personal items is automatically included with all Fast Cover policies except our Basics policy, giving solo explorers travelling light or on a budget the option to include this cover if they need it. ^

Travelling with children or dependants can make a trip even more special, but it can also mean a few extra details to keep track of. From bookings to bags and travel insurance policies, there’s a lot to manage before you even leave home.

With Fast Cover, you can include up to ten dependants on your Single travel insurance policy with benefit limits applying to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of Insurance. It keeps things simple with one policy, shared trip details, and clear cover for everyone listed so you can focus on enjoying your trip.

These are only some of the situations that you might wish to consider when deciding if you need Single travel insurance.  

Before you decide whether you need Single travel insurance for your next trip, you should read the PDS to check what our travel insurance will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. 

The right travel insurance policy for your solo trip should match your destination, trip type, and budget. Fast Cover offers several levels of cover so you can choose what fits your journey best, from Basics with medical-only protection to Comprehensive cover that includes cancellations, luggage and more.

When comparing options, check what’s included and what the benefit limits are for each policy. For example, Fast Cover’s Single travel insurance can cover solo travellers, as well as an adult travelling with dependants. However, limits apply to the combined total of all claims made by all travellers. Understanding the scope of cover can help you find the best travel insurance for your needs.

Solo trips don’t always follow a fixed plan. You might decide to extend your stay, visit another country, or change your return date. When comparing policies, check whether you can extend or adjust your cover mid-trip without the cost or hassle of starting a new policy each time your itinerary changes. 

Fast Cover gives you flexibility to extend your policy for up to 24 months or adjust your departure date before you leave Australia. You can also choose to have cover by region instead of listing every individual country, perfect for multi-country trips, solo backpacking adventures, or cruises with multiple stops. Fast Cover offers cover for six regions including Worldwide, Europe, Asia, South Pacific, New Zealand and Domestic. ^ 

The type of activities you plan on doing during your trip can impact the level of cover you need. Some travellers are simply sightseeing or relaxing, while others might be heading overseas for adventure like quad biking, hiking at high altitudes, or riding a motorcycle.

When comparing policies, check if they include cover for these activities or allow you to add optional extras to provide cover for these activities. Depending on the policy you choose with Fast Cover, you may be able to add optional extras for an additional premium to provide cover for a wide range of activities and adventures.

Sometimes, even the best-planned trip can take an unexpected turn. Natural disasters like floods, earthquakes, and volcanic eruptions can disrupt travel plans with little notice, leaving travellers stranded, rerouted, and facing unexpected costs for additional travel and accommodation.

Understanding how a policy responds to these situations can help ensure you’re choosing the right insurance for your trip, particularly if you’re travelling to an area with active seismic or volcanic activity.

Depending on the policy you choose, Fast Cover may be able to help with reasonable additional expenses for accommodation, meals and transport, when your trip delayed or disrupted due to natural disaster in circumstances covered under your policy. ^

If you’re a single adult travelling with dependants such as children or grandchildren, adding them to your travel insurance policy makes managing your trip easier and ensures everyone on the policy has clear, consistent cover.

When comparing policies, check if they allow you to add dependants, and confirm how benefit limits apply per person. Fast Cover’s Single travel insurance allows you to include up to ten dependants on your policy although benefit limits apply to the combined total of all claims made by the travellers. ^

Getting sick or injured while travelling can be stressful and costly especially when you’re travelling solo. When comparing travel insurance for solo travellers, look at the medical benefits included, their limits, and whether 24/7 emergency medical assistance is included. Choosing a policy that offers reliable medical support when you need it most can save you both money and stress during your trip. 

All Fast Cover’s international Single travel insurance option provides unlimited cover for: 

• overseas 24/7 emergency medical assistance,  
• overseas emergency medical and hospital expenses, and 
• overseas emergency medical evacuation and repatriation 

in circumstances covered under the policy. ^ 

These are just some of the factors you might wish to consider when choosing the best travel insurance for solo travel, so you know what cover is available to you before and during your trip and under what conditions. 

Before you decide on the best travel insurance for your solo trip, you should read the PDS to check what the policy will and won’t cover you for, any conditions and exclusions that might apply to you and whether the policy provides the cover that you’re looking for. Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. 

If you’re injured while breaking the law overseas, your Single travel insurance policy is unlikely to cover the incident. This includes scenarios such as riding a motorcycle without wearing a helmet, driving without the proper licence, or operating a vehicle under the influence of alcohol or drugs.

Local laws vary significantly between countries and what may be legal in Australia could be prohibited elsewhere so you should always check local regulations before you travel. For example, in some destinations even riding a scooter without the correct international licence is illegal and could leave you without cover if an accident occurs. Engaging in illegal drug use or carrying prohibited substances could also result in both criminal charges overseas and the denial of any related insurance claim.

Whilst it may not be illegal to have a drink overseas, alcohol consumption laws vary from country to country, and between regions within some countries. Make sure to research your travel destinations and follow the local laws. Keep in mind that if you’ve drunk alcohol excessively, there are certain exclusions that may likely apply to your travel insurance policy. As an example, if you’re under the influence of alcohol and you stumble and hurt yourself, you may not have cover under your policy.

If you’re injured in an accident while, for example, riding a motorcycle, and you didn’t add the Motorcycle Pack to your Single travel insurance policy, you may be responsible for paying your overseas medical and hospital expenses because you did not choose to include cover for that under your policy.

It is important to think about what activities you will be participating in so that you have the right cover for the activities you plan to do overseas.

If your belongings are stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example, if you leave your bag with your wallet and passport inside it on the beach while you go for a swim, this may be considered leaving your belongings unattended, in which case you may not be covered.

Make sure you keep your belongings with you at all times or keep them in a secure location and take reasonable measures to secure them at all times and at all places.

There are exclusions that may apply for regular or routine check-ups or filling regular prescriptions as they are not considered medical emergencies. If you require regular medication, bring enough of what you’ll need for your holiday overseas before you leave Australia.

Should the Australian Government release a warning on the government’s official Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase.

Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.

Known events are usually considered as serious situations from natural disasters like earthquakes and volcanic eruptions, to disease outbreaks, which can affect your holiday plans and the cover on your travel insurance policy.  

If you buy your travel insurance after an event is a known event, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for your travel destination as well as information on the government’s official Smartraveller website so you know where you stand with regards to the cover that you will have on your travel insurance policy.

Perhaps the weather was bad, the tourist attractions were too crowded, or your accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your solo trip has shaped up, your travel insurance policy is not intended to compensate you because you didn’t enjoy your holiday.