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Medical Only Travel Insurance

Taking out medical only cover allows you to claim for your out of pocket medical costs whilst travelling overseas

Medical only travel insurance 

Sometimes when you're shopping around for basic medical only travel insurance, you'll find policies loaded with things you may not want or need.

Perhaps you’re taking only what you can carry with you on a backpacking trip, or going on a short holiday to somewhere familiar.

Why cover expensive luggage and personal belongings if you aren’t taking anything of value? Or pay extra to cover travel delays if you're flying direct and staying in one destination for your whole trip?

If you just want a medical-only policy to cover emergency medical and hospital expenses without all the extra bells and whistles, Fast Cover has created a policy just for you.

Our Basics medical only travel insurance can provide cover to protect you during your overseas trips for your overseas emergency medical and hospital expenses, including for example:

  • Unexpected sickness or injury during your trip,
  • Medical conditions you’re already aware of at the time you purchase your policy, and which are listed as covered conditions on your Certificate of insurance,
  • Any changes to your health and/or new medical conditions you may develop after you buy your policy and before you leave for your trip, and which are listed as covered conditions on your Certificate of insurance.

Personal liability cover is also included with our Basics policy, and you have the option of adding on luggage cover if you need it.

Basics travel Insurance for pre-existing medical conditions

Our medical-only travel insurance can provide cover for many medical conditions.

You can complete a medical screening for:

  1. Your existing medical conditions including pregnancy conditions that you have or have had, for the 3 years prior to your policy purchase date,

  2. Any changes to your existing medical conditions including pregnancy conditions, which are listed as covered conditions on your Certificate of insurance, after you buy your policy and before you leave for your trip,

  3. New medical conditions including pregnancy conditions you develop after you buy your policy and before you leave for your trip.

If we agree to provide you with cover for your medical conditions including pregnancy conditions following your medical screening, you may need to pay an additional premium.

IMPORTANT: If you have had a medical or pregnancy condition within the 3 years prior to your policy purchase date, and you have not completed a medical screening for those conditions, or you have not notified us of a change in health or new medical condition as mentioned above, there is no cover for any claims under the policy arising from any of those medical or pregnancy conditions. You should also be aware of the General Exclusions that apply to all benefits, in particular General Exclusion 20 and 22 of the PDS.

What is a medical condition?

We consider a medical condition to be any bodily or physical injury, physical defect, illness, disease or other medical or dental condition or sign or symptom of these things, which you and anyone listed on your policy (including dependants travelling with you):

  • required prescription medication for or has been prescribed medication from a medical practitioner in writing for,
  • sought or received medical advice from a medical practitioner or other health care professional for,
  • had tests, investigations, care, treatment or medical attention including surgery for,
  • been admitted to hospital for (including emergency department or day surgery procedure), or
  • became aware of or which a reasonable person in the circumstances would have been aware of.

It includes but is not limited to:

  • the suffering or treatment of mental illness,
  • a brain, heart (such as any cardiovascular or coronary heart disease or any condition related to a heart or blood vessels), kidney, liver, respiratory, circulatory (such as high blood pressure, stroke, or transient ischaemic attack), cancer or cancerous condition,
  • reduced or deficient immune system,
  • a sign or symptom of the above matters,
  • an allergy or food intolerance,
  • a persistent and lasting health condition such as constant pain or long-suffering pain or pain with a pattern of relapse and remission, or 
  • any conditions related to previous and current pregnancy as detailed in “What is a Pregnancy Condition” and “Pregnancy Cover” in our PDS. 

We consider a pregnancy condition to be as listed below: 

  • You are experiencing complications with the pregnancy (see our Complications of Pregnancy and Childbirth table in PDS for further details on what we consider a Complication of Pregnancy and Childbirth), or
  • You experienced complications with any previous pregnancy (see our Complications of Pregnancy and Childbirth table in our PDS for further details on what we consider a Complication of Pregnancy and Childbirth), or
  • You are having multiple children (e.g. twins, triplets or more), or
  • Your conception was medically assisted (e.g. hormone therapy or IVF).  

If any of the above applies to you, you will need to complete a medical screening so that we can assess whether or not we can provide you with cover for your medical condition.

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

Please refer to our Product Disclosure Statement for eligibility criteria, and policy terms, conditions, exclusions and limits that apply.

Who should get Basics travel insurance?

Accidents can happen when you’re travelling, and you may end up in a hospital overseas whether you want to or not, and that’s where it can get expensive. Did you know that Medicare will only cover your medical expenses if you have a medical emergency in Australia? And unless you’re travelling overseas in a country with a Reciprocal Health Care Agreement with Australia (which can give you access to subsidised health care), you’ll be liable for the full amount of your overseas medical expenses, because the Australian government won’t pay your overseas medical bills? This is where a Basics travel insurance policy can come in handy when you’re travelling overseas.

Travellers who should consider purchasing Basics travel insurance include:

Our Basics medical only policy may be able to supplement existing cover from other insurance such as credit card providers. You should read the relevant PDS to check the covers provided and whether they suit your needs.

What are the benefits of Basics travel insurance?

Basics travel insurance is a simple way to help protect you against the unexpected overseas medical and hospital expenses that can arise when you travel overseas.

 

Compare the levels of cover in our table of benefits below:

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^

sub-limits:

 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
Medical cover just in case you need it

With Basics medical-only travel insurance, cover is available under the benefits of a policy with Fast cover for overseas emergency medical and hospital expenses for the duration of your trip. This means that cover is available for unexpected situations overseas as common as having to seek medical attention for a minor illness or injury, as well as major medical expenses like hospitalisation and medical evacuation if necessary.

Our Basics policy benefits also include:

  • Emergency dental treatment up to $500 per person
  • Personal liability cover up to $1,000,000 per person 

The limits above are doubled for Family policies, and apply to the combined total of all claims made by all travellers (including dependants) listed on the certificate of insurance.

As always, terms, conditions, exclusions and limits apply to each policy, therefore, you should read the PDS to decide whether the policy is right for you and what you require on your travels.

Help when you need it

When you purchase a Basics medical-only policy, you're also getting unlimited access to 24 hour Emergency Medical Assistance.

You’ll be able to contact our emergency assistance team whenever you need to. No matter where in the world you travel, you’ll only ever be a phone call away from prompt and professional help from experienced medical advisers who can provide you with assistance while you're overseas.

Optional luggage cover

If you still need a little bit of cover for your belongings, you can choose to add on up to $2,000 worth of cover for your luggage and personal items at the time of purchase. 

Why choose Fast Cover for your Basics travel insurance?

Fast Cover’s Basics travel insurance can provide travellers with cover for unexpected medical expenses and emergencies overseas without paying for extra benefits you may not need on your journey. And, if you do need help, you’re only ever a phone call away from our 24 hour Emergency Assistance team.

Our Basics medical-only travel insurance provides great cover at a competitive price that's also simple to understand.

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.