Student Travel Insurance

Why do you need to buy student travel insurance?

Insurance is all about protecting you against risk and potential downfalls. With each traveller comes each unique risk. Students are no different.

Travelling to a whole new country for months on end by yourself can be a daunting experience, especially if it is your first time. This is what Fast Cover can offer – a peace of mind while travelling. Though you will be full of excitement and wonder, it can be a shock to the system when staying in a place you are unfamiliar with. Having the right insurance cover could potentially save you thousands on unexpected medical bills.

What does student travel insurance include?

Student life is a mixture of study, work and travel. Fast Cover is proud to offer discounted Student Travel Insurance to support Australian students on overseas study exchanges, internships and of course those well-earned semester breaks!

At Fast Cover, we understand student life is unpredictable and exciting. If you are looking for student travel insurance get a quote with us and see the difference. Fast Cover offers affordable and inclusive cover with added benefits to minimise the stress while you are travelling. Whether it is the IEC program or just backpacking from continent to continent, you can purchase cover with us for student travel insurance as you learn and work your way through the world. Within minutes, you can get your child covered with student travel insurance!

You can tailor our policies to include the things that are most important to you, like cover for Overseas emergency medical expenses and Luggage and Personal Effects, without blowing out your entire holiday budget.

Taking out student travel insurance with us can help cover unexpected expenses such as:

  • Overseas emergency medical and hospital expenses if you get sick or injured overseas.
  • Emergency medical evacuation if you need to be airlifted to hospital.
  • Repatriation expenses to fly you home to Australia for treatment if required.
  • Alternative transport expenses if your scheduled flight is delayed or cancelled.
  • Loss or theft of personal items like bags, headphones, mobile phones, laptops, cameras, etc.
  • Lost, damaged or stolen travel documents and credit cards.
  • Unexpected trip disruption costs if you have to cut your trip short for a medical reason.

Travel insurance for students from Fast Cover has great cover at competitive prices. Get comprehensive cover for your student travel plans with a quote!

Who can get Fast Cover student travel insurance?

Going on an overseas study exchange, taking a gap year break from study to mull over your career options, or just enjoying a well-deserved semester holiday?

Fast Cover has a travel insurance policy to suit all ages and types of Australian students:

  • School students
  • University students
  • TAFE students
  • School leavers
  • Gap Year students
  • Apprentices
  • Interns
  • Volunteers
  • Mature age students
  • Work placement students
  • Exchange students

Whether you study full-time or part-time, on campus or online, Fast Cover has a policy to fit all student travel types and budgets.

Why do you need student travel insurance?

No one plans to lose their luggage, miss a connecting flight or get sick while on holidays, but it does happen!

Wherever you plan to go and for however long, travel insurance provides 24hour emergency assistance and cover for unexpected medical expenses if you do run into trouble over seas.

Many students don't realise that you're not covered by Medicare or private health insurance while you’re travelling overseas. This means that if something went wrong on your trip and you didn't already have travel insurance, you (or your family) would have to bear the costs!

If you don't think this is bad, please keep in mind that a hospital stay in the United States could set you back around $5, 000 USD per night, and if you need to be medically evacuated home you could expect to pay a staggering $300, 000 AUD.

DFAT (Department of Fair Trading) also handled medical evacuations from Bali in which costs have exceeded $60, 000 AUD.

Those student loans don't seem so bad, right?

Why get travel insurance with us?

Fast Cover provides specialist travel insurance to students of all ages and budgets. Our policies automatically cover 43 Pre-Existing Medical Conditions, so there's no need to submit a complicated medical evaluation when you purchase a policy with us.

We also cover a huge list of sports and activities automatically, including riding a moped or motorcycle (with appropriate licenses), bungee jumping and Go-Karting! If you’re seeking even more of an adrenaline hit, we also offer an Adventure Pack option to cover extra thrilling activities like ziplining, tandem sky diving with a licensed instructor, single rider quad biking with no jumping, racing or competition and many more.

If you're having too much fun overseas and decide to keep travelling, you can easily jump online or call us and extend your policy. This is subject to our written approval and payment of an additional premium. All of our policies also put you in touch with a 24-hour emergency assistance team, so you can head off on your awesome adventure with the confidence of knowing that help is available 24 hours a day, 7 days a week, 365 days a year.

What is on your travel insurance checklist?

In our everyday language we easily speak about ‘the best this’ and ‘the best that’, but is there such a thing as the best student travel insurance? To put in bluntly, the answer is no. That is because each one of us has wildly different needs and wants when it comes to travelling and travel insurance. Someone who has asthma or diabetes will be looking at a different sort of travel insurance than someone planning on taking a whole lot of electronic equipment with them. The best student travel insurance will be the one that best caters to your unique needs and wants at just the right price!

Make sure your student travel insurance covers you for cancellations and flight delays. Consider having personal liability cover in your travel insurance policy. While you may not be planning to damage property, these things can unfortunately happen at any time. Having insurance means that you have cover for payment of compensation for any injury or property damages to others in an accepted claim.

Before you travel, there are things that need to be sorted out. This includes researching both the destination you are planning on visiting, and the eligibility requirements you will need to meet in order to study overseas. 

Preparing For Your Trip

There are many requirements that the university you may be travelling to needs before entry and admission is granted. You may need to have a minimum grade average, be enrolled in specific classes or courses, have completed a minimum portion of your degree or classes, and/or have any necessary language skills. It’s a good idea to attend an information session or speak with a relevant advisor before you apply to increase your change of getting into your desired course.

The best thing you can do is research your destination so that you are with the culture, climate and geography of the area. Understanding their particular customs is a must to avoid any trouble. Researching your accommodation options will give you a better scope of your financial needs for your trip.

Apply Early

Applications for students travelling overseas vary from country to country, institution to institution. It is best to start early so you are well prepared for your trip.

Passport and Visas

Having a valid passport and visa is paramount to preparing for your study trip. Some countries will require that you hold a student visa and that may take up to 6 weeks to process. Make sure you have researched and submitted your application as soon as possible.

Visit Your Doctor

Going to the doctor before going overseas is highly recommended for any relevant vaccinations. Your doctor will be able to tell you if you need any additional medications or vaccinations for your country of choice. Booking in an appointment at least a month before will give you enough time to adjust to any medication or vaccinations they give you.

Organise Your Finances

Having a realistic budget including your expected expenditure will alleviate some of the stress of travelling. Researching the cost of living for your country of study will give you a good idea of the budget you need to enjoy your trip comfortably. Be aware of the exchange rates, conversion fees and ATM access fees. You can also open a bank account in the country you are visiting, which may be a better option to avoid fees altogether. Some universities and schools will provide scholarships, grants or loans to assist students with funding their exchange trip – talk to your exchange advisor to find out if there are any financial assistance options available to you.

Register Your Travel Plans

You can also visit the Smartraveller website to register your travel plans with the Department of Foreign Affairs and Trade. This will make it easy for the Australian Government to contact and find you in an emergency situation, as well as advise you if you are in an affected area and provide you with relevant safety information and updates.

Know what is important to you

Travel insurance comes in many shapes and forms and can contain cover for everything from hijacking and snow sports, down to a bare bones medical evacuation policy. When you start looking for student travel insurance for your trip, it pays to do some research before purchasing any insurance policy. To help you along, here are a few points to help guide you to the best possible insurance policy for your student travels:

Spend your money wisely

For many student travellers, budget is definitely an issue. While saving on expensive accommodations or choosing cheaper forms of transport are good options to save a  little money, skimping on travel insurance may not be the best choice. Sometimes, cheaper policies may come with endless lists of exclusions. Before signing up for the cheapest travel insurance on the market, check out some customer reviews on the customer reviews!

What is most important to you?

Most travel insurance policies are offered as packages that cover various aspects of your journey. From lost deposit and cancellation cover to overseas medical cover, from medical evacuation cover to personal liability – there are many different categories to keep in mind. When it comes to finding the right student travel insurance for your trip and budget, be clear on what is most important to you. It is generally recommended to have at least medical cover and medical evacuation cover! Otherwise, lost deposit and cancellation cover can come in very handy, as does luggage cover – though it really depends on the journey you have in mind and what type of things you are taking with you. Perhaps all you are taking are old clothes in which case, luggage and personal effects cover may not be all that important. If, however, you bring a new digital SLR camera, perhaps you should consider specifying that in your policy.  

Where are you going?

Every holiday trip has its own considerations to take into account: Where are you going? Is your chosen destination close to Australia or far away? Are you planning on visiting just one country or many? The final question regarding your destination is: is it geo-politically stable and safe? If, for example, you want to visit the beautiful country of Pakistan, it is worth finding out whether your travel insurance covers you on either our Travel Alerts page or through Smart Traveller.

What are you planning to do?

The last question to consider is what are you planning to do? Cultural tourism that involves spending lots of time in museums, art galleries, and walking around cities to admire the architecture is very different from adventure tourism that includes bungee jumping and white-water rafting. Not all insurance companies insure adventure holidays in their standard policies, however they may offer additional cover options at an additional premium. Some don’t cover adventure holidays at all, and some cover it from the get go as part of their standard insurance policies. Do find out if you are insured before you commit to any adventure sports.

We understand you are young and free...

The best student travel insurance really depends on your needs. After a bit of researching, you will surely find the best insurance for your budget!

Seasoned travellers of any age live by this mantra: if you cannot afford the travel insurance, you cannot afford the trip. That is not only because they know how quickly things can go wrong, but also the wide range of things that can go wrong on a trip. While everything may be peachy for 99% of your holiday, once your computer breaks, your camera gets stolen, or you miss the next connecting flight, the realities of travel set in and suddenly your cheaply planned trip becomes a lot more expensive. That is why student travel insurance should be on your checklist before leaving on any long or short holiday!

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)

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

Overseas 24/7 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 24/7 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 24/7 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 24/7 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 24/7 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^

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Medical & Hospital Expenses^

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

Overseas Emergency Medical & Hospital Expenses^

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

Overseas Emergency Medical & Hospital Expenses^

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

Overseas Emergency Medical & Hospital Expenses^

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

Overseas Emergency Medical & Hospital Expenses^


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

Overseas Emergency Dental

$500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Evacuation

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

Overseas Emergency Evacuation

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

Overseas Emergency Evacuation

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

Overseas Emergency Evacuation

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

Overseas Emergency Evacuation


$40,000
$30,000
–––
$40,000
$30,000

$40,000
$30,000

$40,000
$30,000
–––

Overseas Hospital Cash Payment^

sub-limits:

––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

$50 $50 $50

Accidental Death

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

Accidental Death

––– $20,000 ––– $20,000 $20,000 $20,000

Accidental Death

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

Accidental Death

––– $25,000
$20,000
––– $25,000
$20,000
$25,000
$20,000
$25,000
$20,000

Accidental Death

––– $25,000
$15,000
––– $25,000
$15,000
$25,000
$15,000
$25,000
$15,000

Accidental Death

–––
$20,000
$15,000
–––
$20,000
$15,000

$20,000
$15,000

$20,000
$15,000

Death of a Dependant (per Dependant)

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

Permanent Disability^

––– ––– ––– $25,000 $25,000 $25,000

Permanent Disability^

––– ––– ––– $20,000 $20,000 $20,000

Permanent Disability^

––– ––– ––– $15,000 $15,000 $15,000

Permanent Disability^

––– ––– ––– $25,000
$20,000
$25,000
$20,000
$25,000
$20,000

Permanent Disability^

––– ––– ––– $25,000
$15,000
$25,000
$15,000
$25,000
$15,000

Permanent Disability^

––– ––– –––
$20,000
$15,000

$20,000
$15,000

$20,000
$15,000

Permanent Disability of a Dependant (per Dependant)

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

Loss of Income^

sub-limits:

––– $10,000 ––– $10,000 $10,000 $10,000

Weekly Limit (per person) - up to 25 weeks

$400 $400 $400

Financial Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Trip Cancellation Expenses

sub-limits:

––– Unlimited $15,000 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

Trip Cancellation Expenses

sub-limits:

––– $40,000 $15,000 $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

Trip Cancellation Expenses

sub-limits:

––– $30,000 $15,000 $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

Trip Cancellation Expenses

Travellers Aged 80 to 89:

sub-limits:

––– Unlimited
$40,000
Unlimited
$15,000
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

Trip Cancellation Expenses

Travellers Aged 90 and above:

sub-limits:

––– Unlimited
$30,000
Unlimited
$15,000
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

Trip Cancellation Expenses

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

sub-limits:

–––
$40,000
$30,000

$15,000
$15,000

$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

$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

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 $10,000 $10,000 $10,000

Personal computers,video recorders or cameras (per item)

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

Mobile phones and 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 unoccupied vehicle during daylight hours

$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

Alternative 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^

––– ––– ––– $500 $500 $500

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

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. 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.

Traveller Testimonials

Such a good insurance company

After having insured with Fast Cover many times I find the policy is of excellent value, and so easy to set up online. I have recommended this company to many of my friends as I am extremely satisfied with how friendly and helpful they are.

Mim – Productreview.com.au

 

Comprehensive travel insurance

We have used Fast Cover many times and find this company in particular good value for money and cover all the items we need as senior travellers.

Rainy – Productreview.com.au

 

Helpful service

The policy was very well priced and options were available so I could tailor what I purchased to my needs. I set it up online, paid and had confirmation and printable paperwork in less than 15 minutes. On the occasion I needed to make a claim, this was dealt with quickly and satisfactorily by helpful telephone assistants. I continue to buy my travel insurance from Fast Cover.

Sandy – Productreview.com.au

 

14 day cooling off

Buy with confidence! Get a full refund if you cancel for any reason within 14 days from when you buy your policy and you haven't travelled.

48 hour price

The price on your quote is 'Locked In' for 48 hours.

24-7 assistance

Wherever you're travelling and whenever you need us, our 24/7 worldwide expert assistance team are ready and waiting to help.

immediate cover

Buy today and your cover starts today for the money you've spent on hotels, flights or tours in the event of unexpected sickness, injury, family emergencies or natural disasters.

 

 
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