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Traveling Solo? Protection available With Travel Insurance

Travelling by yourself does not need to be difficult! Taking out single or solo travel insurance can be cost effective.

The following information applies to policies purchased from 30th October 2023 onwards. For policies purchased prior to 30th October 2023: you can find the PDS relevant to you in your policy confirmation email, by logging into MyPolicy, or you can contact us for assistance.

Travel insurance for solo travellers 

Travelling solo gives you more freedom and flexibility to travel wherever and whenever you want, but it also means you may not have someone to help you in an emergency situation.

That’s where Fast Cover’s single travel insurance has your back!

Perhaps your dream trip involves backpacking through Europe, working or volunteering in Southeast Asia, a working holiday in Canada, or island hopping in the Caribbean or Pacific Islands.

Solo travel insurance is designed to protect your prepaid travel arrangements, as well as help cover unexpected costs in emergencies such as medical and hospital expenses, replacing lost or stolen belongings, or making alternative travel arrangements to reach a special event if your flights are cancelled or delayed.

If you're flying solo, Fast Cover has travel insurance policies to suit a range of single traveller types and budgets.

Who should get Solo travel insurance?

Anyone planning to travel as an individual for the duration of their trip can get Solo travel insurance, including:

Fast Cover’s Solo travel insurance is simple and flexible. If you're aged 89 or younger, you can buy Solo travel insurance wherever you’re travelling and whether your plan is to have an adventure holiday, a relaxing getaway, or to work while you travel.

The benefits of Solo travel insurance

Solo Travel Insurance is designed to be flexible so that you can build a policy that covers your needs.

Check out the benefits tables below to compare the levels of cover available:

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.

Some of the benefits of Fast Cover travel insurance include:

Emergency Medical and Hospital Cover:

Our international policies offer 24 hour Emergency Medical Assistance as well as cover for Emergency Medical and Hospital Expenses for the duration of your trip.

Trip Cancellation Cover:

We also provide cover for flight cancellations and can cover the cost of alternative transport if you’re stuck somewhere.

Cover for Medical Conditions:

Our travel insurance can provide cover for many existing medical conditions, just in case the unexpected happens on your trip.

Check out our Medical Conditions page for more information about medical screening for your existing medical and pregnancy conditions including information about the General Exclusions that may apply*.

Cover for activities:

We cover a huge list of different sports and activities like snorkelling, bungee jumping and even shark cage diving!

Optional extra cover:

If you're feeling extra adventurous, our optional Adventure Pack add-on provides cover for even more adventure sports and activities such as quad bike riding, skydiving and zip lining.

Thinking of riding a motorcycle, moped or scooter overseas? Add our optional Motorcycle Pack add-on to your policy, to cover you in case of accidents or injuries.

If you're planning to go skiing, snowboarding or try other snow sports on your holiday, we have a Snow Sport Plus policy to cover those too. It includes cover for your snow equipment, piste closure, and can reimburse the unused portion of your ski package if you can’t use it due to sickness or an injury.

Need extra cover for your Solo trip?

We've made our policies flexible by allowing you to customise your policy with a number of additional options.

Motorcycle Pack:

Add our Motorcycle Pack add-on to your policy to cover yourself for injuries or accidents when riding a scooter, moped or motorcycle overseas (with appropriate licences).

Rental Vehicle Excess Insurance:

If you're hiring a car or campervan on your trip, you can add cover for the Rental Vehicle Excess to our Standard Saver, Comprehensive, Frequent Traveller Saver and Snow Sports Plus policies. You can select either $5,000 worth of cover or $8,000 for an additional premium.

Increased cover for High Value Items:

If you’re planning on taking some valuable items, you can purchase additional cover per valuable item (up to 3 items) by paying an additional premium. Specifying items also means the item's value is 'locked in' so there's no deduction for depreciation on these items if you need to make a claim.

Adventure Pack:

We cover a huge list of sports and activities for our travellers including bungee jumping, elephant riding, kayaking and trekking. However, for adrenaline junkies, you can also add on our Adventure Pack to do more heart-racing activities such as abseiling, skydiving, or caving.

Bicycle Pack:

If you’re a keen cyclist and want to take your own bike on your travels, you can get additional cover for your equipment in case it gets permanently lost, stolen or damaged.

Why choose Fast Cover for your next solo holiday?

Fast Cover provides specialist travel insurance for solo travellers that's fast and simple.

You can head off on your solo adventures with confidence knowing you’re not alone if something unexpected does happen during your travels.

Solo travellers have access to our 24 hour Emergency Assistance team from anywhere in the world. If you experience an emergency or need help or advice, you’re only ever a phone call away from prompt, personal and professional assistance.

Compare our travel insurance to other policies and you’ll find that we provide great cover at a price that’s hard to beat.

It's travel insurance made simple and affordable!

Example Incidents:

Ben's Busted Lens

32-year-old Ben was hiking in New Zealand when a strong gust of wind broke his camera strap and knocked over the tripod, causing damage to the equipment. After providing proof of ownership with his claim, he was reimbursed for over $1,100 AUD under the luggage and personal effects of his Fast Cover travel insurance policy.

 

Sophie's Stairway Slip


47-year-old Sophie from Adelaide was on a retreat in Bali when she fell down a flight of stairs in the dark. As well as some nasty cuts and bruises and a mild concussion, an x-ray at the local hospital revealed she had also sustained a fracture in her foot. The Fast Cover emergency assistance team managed Sophie's case, liaised with hospital staff to cover her medical expenses and organised her return home to Australia. Sophie's policy cost less than $50 and covered the total of her medical treatment and repatriation at over $23,000 AUD.
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.

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