Pre-Existing Medical Conditions
Our medical screening provides an option for travellers to apply to include cover for many pre-existing medical conditions before they travel to the UK.^
sub-limits:
Whether you’re visiting the Big Ben in London, wandering through the Titanic Quarter in Northern Ireland, exploring the Loch Ness in Scotland or admiring the rugged coastline of Wales, Fast Cover’s travel insurance for the UK offers different levels of cover to suit a wide range of travel plans to the UK.
What Does Fast Cover’s Travel Insurance for the UK Cover?
Fast Cover’s UK travel insurance policies can provide you with certain cover under a range of benefits for your trip to the UK. Every traveller has unique needs, so it is important to consider the Product Disclosure Statement (PDS) prior to deciding which policy is right for you and your individual needs.
Below is a brief summary of some of the benefits and options available to customers travelling to the UK with Fast Cover, however, each policy and benefit includes specific terms, conditions, exclusions, limits and sub limits and not all policies will include all of the benefits mentioned below, therefore, it is important that you understand the PDS before making your decision.
Any advice or content on this page, including frequently asked questions and answers, is general advice only and has not taken into account your individual objectives, financial situation or needs.
24 Hour Emergency Medical Assistance
Fast Cover’s Australian-based emergency assistance hotline provides 24/7 support for unforeseen overseas medical emergencies with access to experienced medical support services arranged by our Emergency Assistance team, who you can call wherever you are in the UK, at any time. ^
Overseas Emergency Medical and Hospital Expenses in the UK
This benefit includes certain protection against the financial burden of unexpected overseas emergency medical and hospital expenses associated with unexpected illness or injuries, incurred by you during your trip to the UK.^ Before you travel to the UK, refer to Smartraveller to learn what Australia’s Reciprocal Health Care Agreement with the UK provides cover for.
Overseas Emergency Medical Evacuation and Repatriation Expenses in the UK
In case of an unexpected medical emergency whilst in the UK, this benefit can provide certain cover for the costs associated with your medical transfer, evacuation and repatriation to get to the nearest hospital for emergency medical treatment or brought back to Australia with appropriate medical supervision.^
Trip Cancellation Expenses
You can take out a UK travel insurance policy with cancellation cover up to 12 months before you travel. This benefit can help protect the non-refundable bookings you’ve already paid, like flights, accommodation, cruises and tours, if you’re not able to travel to the UK due to an unexpected emergency that is covered under the policy. ^
Travel Delay Expenses
The UK is known for it’s cool, wet winters and warm, wet summers so wet weather conditions and airline operational issues can throw a spanner in the works on your UK holiday. This benefit can provide certain cover for reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each 24 hour period if your scheduled transport is cancelled, re-scheduled or delayed for at least 6 hours from the time your transport was scheduled to depart. ^
Luggage and Personal Effects
Fast Cover offers certain protection for loss, theft or damage to your luggage and personal belongings such as phones, cameras and laptops while you travel around the United Kingdom. Conditions including maximum cover limits, sub-limits on how much you can claim for each type of item and the situations in which we would provide cover apply. ^
Special Event Transport Expenses
Are you travelling to the UK for a booked special event? Perhaps you’ve paid and booked tickets to watch your favourite football club play in an English Premier League sporting event. If your flight is cancelled, delayed, shortened or diverted and you may not get there on time, this benefit can provide certain cover for you to book, for example, an alternative flight or other transport to help you make it to your special event on time. ^
Sports and Leisure Activities in the UK
From sightseeing and visiting historical monuments like Stonehenge, to playing Scotland’s national sport golf, your UK travel insurance policy automatically includes cover for many sports and leisure activities so you can make the most of the activities England, Northern Ireland, Scotland and Wales have to offer on your UK holiday. ^
Optional Extras for your UK Travel Insurance
We know every trip to the UK is different. So Fast Cover’s optional add-ons let you customise your travel insurance policy to include certain coverage for various activities and adventures, so that you know you have some protection in place whilst you experience UK’s diverse landscapes - from cross country motorcycle trips to cruising through the British Isles.
Adventure Pack
Travellers aged 74 and under at the date of policy issue embarking on adventures in the UK can apply to add on the Adventure Pack for an additional premium to cover an extra list of adrenaline-pumping activities such as outdoor rock climbing, shooting moving targets like clay pigeons, segway tours and sailing from 10-15 nautical miles off land, and more. ^
Motorcycle Pack
Riding a motorcycle could be a great way to explore the UK’s scenery from historic country towns to city skylines. Travellers aged 74 and under at the date of policy issue and want to ride or be a passenger on a scooter, moped or motorcycle, will need to add the Motorcycle Pack to their UK travel insurance policy. ^
Cruise Cover
If you’re setting sail on a cruise off the coast of the UK’s British Isles for 4 nights or more, add our cruise cover to your UK travel insurance policy for additional cover in case of unexpected emergencies on-board the cruise ship and during onshore excursions. ^
Ski and Snow Sports Cover
The UK’s snow fall provides popular destinations for Winter ski and snow sports. Travellers aged 69 and under at the date of policy issue planning to ski or snowboard in the UK can apply for Fast Cover’s ski and snow travel insurance, called the “Snow Sports Plus Policy”, which can provide certain cover for costs associated with ski and snow sports. ^
Bicycle Pack
Cycling holidays are a popular way to enjoy the diverse scenery of the UK at your own pace. Avid cyclists riding through the UK’s scenic landscapes can choose to add the Bike Pack to include certain cover for the costs to help protect their personal bicycles against loss, theft or damage. ^
Specified High Value Items
We know you might be travelling to the UK with valuable items including phones and cameras. If you would like to cover your valuable items for more than what they’re currently covered for in the Product Disclosure Statement, you can specify the item and we won’t apply depreciation to it. Not all items can be specified, check out the PDS for what can and cannot be specified. ^
Rental Vehicle Insurance Excess
Renting a car is a great way to explore the UK and get from one country to another. If your rental vehicle is in an accident, damaged or stolen during your trip throughout the UK, Fast Cover can, depending on the policy chosen, provide additional cover of up to $8,000 for the rental vehicle insurance excess component of your rental vehicle insurance with your car hire company. ^Multi Award Winning Insurance
The Fast Cover team always strives to deliver the best Travel insurance we can for all our travellers. We're very thankful for the Travel Insurance Awards we've received recognising our efforts.
Winner Travel Insurance Award
2022, 2023, 2024 & 2025 Travel Insurance Award †
Canstar Outstanding Value Award
2024 Canstar Outstanding Value Winner for International and Seniors Travel Insurance †
2024 Finder Value for Money Award
2024 Finder Value for Money Award †
Insurance Cover Options for your Trip to the UK
At Fast Cover, we have a range of coverage options available for your trip to the UK.
Comprehensive Travel Insurance
Comprehensive Travel Insurance is Fast Cover's most popular policy option. It provides the highest level of cover for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, trip cancellation and disruption accidental death, loss of income and more. ^
Standard Saver Travel Insurance
The Standard Saver Travel Insurance policy provides many benefits similar to our comprehensive policy but usually lower limits, such as trip cancellation and trip disruption, as well as certain cover relating to your health whilst in the UK, and luggage and personal belongings when you travel. ^
Basic (Medical Only) Travel Insurance
Our Basic Travel Insurance policy type is a simple way of taking measures to ensure there is some coverage for what's most important in life, such as your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000.^
Multi-Trip Insurance for Frequent Travellers
If you travel from Australia to the UK frequently, you can get a quote for a Frequent Traveller Saver Policy when you take out travel insurance for the UK. We can provide cover for an unlimited number of trips in a 12 month period up to a specified number of days each trip. ^
The Benefits of Travel Insurance for the UK
Depending on the level of cover you take out with our UK travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected medical and financial circumstances.
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.
Medical Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Overseas 24/7 Emergency Medical Assistance^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Funeral/cremation Overseas and/or bringing your remains back to Australia (per person) |
$20,000 | $20,000 | $20,000 | $20,000 | $20,000 | |
|
Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person) |
$60,000 | ––– | $60,000 | $60,000 | $60,000 | $60,000 |
|
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 up to $2,000 |
$7,500 | $5,000 | $15,000 | $15,000 | $15,000 |
|
Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (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 up to $8,000 |
Optional up to $8,000 |
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 back to Australia (per person) |
$20,000 | ––– | $20,000 | $20,000 | $20,000 | $20,000 |
|
Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person) |
$60,000 | ––– | $60,000 | $60,000 | $60,000 | $60,000 |
|
COVID-19 Trip Cancellation & Disruption |
––– | $3,500 | $3,000 | $5,000 | $5,000 | $5,000 |
What is Not Covered in our UK Travel Insurance?
As with all insurance policies, it is important to be aware of what your travel insurance covers but also what it doesn’t or may not cover, to ensure that you are choosing the best policy for you and your individual circumstances. There are also conditions that you are required to comply with for many situations and activities, as well as limits and sub limits that apply.
Below, we have provided some situations where cover may not be available under Fast Cover policies, so it is important to think about your individual needs and what policy terms, conditions, exclusions and limits may apply to you and your trip. These are only examples of some of the situations that our policies may not cover, therefore, it is important to consider the PDS and TMD at fastcover.com.au to ensure that you understand the policy and choose the right policy for you and your individual needs.
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
If you become injured while breaking the law in the UK
If you become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. This could include riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol. Remember that possession of certain drugs are illegal in the UK. Using drugs or selling them can land you in trouble with the law in the UK. ^
If you are intoxicated or have taken illicit drugs in the UK
It’s not illegal to have a drink while holidaying in the UK, but if you’ve drunk alcohol excessively, there are certain exclusions that will likely apply. That means if you’re under the influence of alcohol and you stumble and hurt yourself, you may not have cover under your policy. Certain drugs are illegal in the UK and you may not be covered by your UK travel insurance policy when you’ve taken drugs. Keep in mind that the legal drinking age in the UK is 18. ^
If you do an activity in the UK that isn’t covered by your policy
If you’re injured in an accident while for example, riding a moped or sailing between 10-15 nautical miles from land mass, and you didn’t add the Motorcycle Pack or Adventure Pack respectively to your UK travel insurance policy, you’ll likely be responsible for paying your 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 in the UK. ^
Unsupervised belongings
If something of yours is stolen while unattended or unsupervised on your trip to the UK, 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, or if you leave your laptop unattended while you order food at a café, this will likely 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. ^
Regular medical or dental check-ups
There are exclusions that 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 UK holiday before you leave Australia. ^
Ignoring official warnings for travel to the UK
Should the Australian Government release a warning on Smartraveller that certain areas in the UK, whether they are in England, Northern Ireland, Scotland or Wales, 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. ^
Known events
Known events are serious situations, from natural disasters like floods and hurricanes, to disease outbreaks, which can affect your holiday plans and also the cover on your travel insurance policy for the UK.
If you buy your UK insurance after an event is deemed a “Known event”, the cover on your policy may be affected. The UK is known for cool, wet Winters and warm, wet Summers, with the potential for heavy rainfall and flooding. You should check for any Travel Alerts that may have been issued for the UK so you know where you stand with regards to the cover that you will have on your UK travel insurance policy. ^
Disappointing holidays
Perhaps the weather in the UK was unpleasant, the traffic was bad, or your accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your holiday to the UK has shaped up, your travel insurance policy for the UK is not intended to compensate you because you didn’t enjoy your time there. ^
For further information relating to policy terms, conditions, exclusions, limits and sub limits that apply, consider the PDS & TMD at fastcover.com.au.
Why Choose Fast Cover?
25 Day Cooling Off Period
Get a full refund if you cancel for any reason within 25 days from when you buy your policy and you haven’t started your trip, made or intend to make a claim or used the policy such as to obtain a visa.
Australian-Based Customer Service
Fast Cover is Australian owned and operated. When you contact us, you’ll speak with our Australian-based travel insurance specialist sales and claims team.
24/7 Emergency Assistance
Wherever you’re travelling and whenever you need us, our 24/7 worldwide expert emergency assistance team is ready and waiting to help.
Fast and Simple Claims Process
Our claims process is fast and simple. Call our Aussie claims team or use our online claims form to submit your claim for assessment.
What Our Travellers Are Saying
FAQs
United Kingdom is in the Europe region.
Depending on the policy chosen, travel insurance for the UK can help to better prepare you to deal with unexpected and unforeseen circumstances such as injury or sickness as well as trip cancellation and disruption expenses. One way to prepare for this is by making international travel insurance for the UK a priority.
Without travel insurance, you may have limited recourse and may be left with large out of pocket expenses. When travelling through a land as vast as the UK, robust travel insurance policies can be incredibly helpful in helping you prepare to deal with the unexpected.
Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.
Australian citizens travelling to the UK for less than six months as a tourist usually won’t need a visa. Australian tourists now require an Electronic Travel Authorisation (ETA) to visit Britain (England, Scotland, and Wales) and Northern Ireland, for visits up to six months. Generally, you can visit the UK as a Standard Visitor for tourism, business, study (courses up to 6 months) and other permitted activities for a period of up to 6 months.
You may need a visa to enter the UK to visit, study or work, depending on the nature and duration of your trip. As visa and entry requirements for the UK may change over time, it is your responsibility to verify visa requirements from a UK embassy or consulate or the UK government website. To check if you need a UK visa, visit the UK Government website.
For more information about Australian’s visa requirements for European travel, including the UK, read our guide on Europe visa requirements.
The cost of travel insurance for the UK will vary depending on a person-to-person basis. This is because of various factors, including but not limited to the type of policy you choose for your trip to the UK, specific destinations you are travelling, the length of your trip, the time between purchase and departure, personal characteristics such as pre-existing medical conditions and age, as well as any add-ons that you choose such as the Adventure Pack or Cruise cover.
To determine the cost of travel insurance for your upcoming trip to the UK, request a quote today.
Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.
Australia has a Reciprocal Health Care Agreement (RHCA) with the UK, meaning you may have some cover for medical costs in the UK public health system, the National Health Service (NHS) through the agreement. Fast Cover’s travel insurance policy will not pay for the cost of medical care that is covered by the RHCA between Australia and the UK. However, the RHCA does not cover every type of medical expenses, so taking out a Fast Cover travel insurance policy for the UK with medical cover for unexpected overseas emergency medical and hospital expenses, overseas emergency dental, and overseas emergency medical evacuation and repatriation may provide you with cover if you unexpectedly fall sick or become injured while travelling in the UK, where cover is not available under the RHCA. Having cover for these unexpected medical situations during your travels can potentially save you thousands of dollars.
The benefit of overseas emergency medical and hospital expenses provides certain protection against the financial burden of unexpected medical emergencies that can happen on your trip to the UK, from food poisoning, treatment for a broken bone or emergency surgery for appendicitis, particularly if this occurs after 6 months of your arrival to the UK. You should be aware that cover isn’t available for all medical expenses, and some of these may include (but are not limited to):
- medical emergencies related to your pre-existing medical conditions which aren’t listed as covered on your certificate of insurance,
- planned medical procedures or other non-emergency medical treatments,
- routine medical or dental check-ups,
- injuries sustained from your participation in sport or leisure activities covered under the Adventure Pack or snow sports unless you’ve added them to your policy and paid an additional premium to include cover for them, and
- your medical expenses once you’ve returned to Australia,
so it’s important to review your policy to understand what is and isn't covered while you're in the UK and the terms and conditions that apply.
You can apply for cover for your pre-existing medical conditions and any changes in health and/or new medical conditions you may develop before you leave for the UK through a medical screening. Find out more about what we consider to be a medical condition and how you can apply for cover in our Travel Insurance for Pre-existing Medical Conditions page. ^
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. Consider the PDS as eligibility criteria, policy terms, conditions, exclusions and limits apply.
Australia’s Reciprocal Health Care Agreement (RHCA) with the UK provides cover for certain medical costs.
In order for the RHCA to cover your medical costs in the UK, medical care must be:
- Medically necessary care that can’t wait until you get home to Australia,
- In the National Health Service (NHS) system
- Within 6 months after you arrive to the UK.
The RHCA covers the following types of medical costs:
- Care from an NHS doctor or nurse at a GP surgery (you need to register there as an NHS patient)
- Care in a public ward of an NHS hospital
- Out-patient care at an NHS hospital
- Ambulance travel to an NHS hospital or other NHS facilities
- Prescription medicine if the doctor treats you as an NHS patient (there is a small fee for this)
The RCHA does not cover the following types of medical costs:
- Non-subsidised medicine from pharmacies
- Prescription medicines if you’re not an NHS patient
- Any dental services
To learn more about what is and isn’t covered by the Reciprocal Health Care Agreement with the UK, visit the Service Australia website.
If you are only in transit through the UK, you automatically have cover for up to 48 hours. Cover is only available for the countries or region you have selected at the time of purchase and listed on your Certificate of Insurance. If you change your travel plans and decide to legally enter the UK, you may not be covered under your policy if the UK was not selected at the time of purchase and listed on your Certificate of Insurance. You can apply to Fast Cover to add the UK to your policy to include cover and pay an additional premium.
Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.
The UK is known for being cold and wet somewhat daily, however you should be prepared for when the UK’s weather starts to border on extreme. As such, weather events can range from droughts and flooding to storms and extreme cold or heat. So, if you’re planning a trip to the UK, consider taking out a travel insurance policy as soon as you pay for your flights or accommodation in case you are forced to cancel your trip due to a natural disaster. Keep an eye on our Travel Alerts for the UK, travel advisories from Smarttraveller and travel warnings from the Australia government.
If you take out a travel insurance policy after the event has occurred, it is unlikely that there will be cover under the policy as the natural disaster will be a known event. The event must have begun after we issued the Certificate of insurance.
Our trip cancellation expenses benefit can provide certain cover for cancellation, delays or rescheduling by a bus line, airline, shipping line or rail authority due to natural disaster.
Our trip disruption expenses benefit can also provide certain cover for reimbursement of your additional travel, accommodation and meal expenses when your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of a natural disaster.
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.
To find the best travel insurance for your trip to the UK, you should look for a policy that suits the type of holiday that you're taking and consider the types of activities you will be doing in the UK and who you will be travelling with. You may need to add on coverage for certain activities such as cruising and motorcycle riding for an additional premium.
Before you decide on your UK travel insurance, 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.
Consider purchasing travel insurance for the United Kingdom when you book or pay for your flights, accommodation and tours. Fast Cover’s cancellation cover allows you to make a claim for trip cancellation expenses for non-refundable bookings you’ve already paid, like flights, accommodation, cruises and tours, if you’re not able to travel to the UK due to an unexpected emergency that is covered under your policy.
Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.
UK river cruises along the Thames and Avon rivers among others are automatically included under your UK travel insurance policy so you won’t need to choose Cruise cover, for this type of cruise. Similarly, short day cruises along UK lakes like the Loch Ness and Derwentwater are also automatically included under your Fast Cover travel insurance policy.
Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.
UK Travel Hub
Discover travel resources, advice and tips for your next holiday to the UK, including England, Northern Ireland, Scotland and Wales.
UK Travel Guide
The United Kingdom is one of the most popular tourist destinations in the world. While millions flock to the UK to visit iconic landmarks and residences associated with the Royal family, millions more arrive to take in the breath-taking scenery and history.
Scotland Travel Guide
Planning a trip to Scotland? Explore the land of kilts, bagpipes & the world-famous arts & music festival in Edinburgh! Scotland is one of the best countries to visit in Europe.
Digital Nomad Guide UK
With the rise of remote work, the UK has become one of the best destinations in the world to be a digital nomad. Learn more about the nomad lifestyle, co-working spaces and the associated travel insurance options for digital nomads in the UK.
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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