Travel Insurance Cover While You Are Travelling | Fast Cover

What We Cover - While you're travelling

While you're travelling

Getting sick

Your accommodation and travel expenses are covered if you’re too sick to continue on your travels. We'll even cover the travel and accommodation costs of a relative or travelling companion to be with you too if the situation requires it.

Applies to:

Comprehensive
Standard Saver
Snow Sports Plus
Domestic Plus
Frequent Traveller Saver

Family emergencies and relatives becoming seriously ill

If you have an unexpected family emergency back home and need to return, we'll pay for the extra cost of returning home to be with them. And depending on the circumstances, we'll cover the cost for you to resume your holiday.

Applies to:

Comprehensive
Standard Saver
Snow Sports Plus
Domestic Plus
Frequent Traveller Saver

Your holiday is cut short

Things happen. There may be a strike in the country you're visiting, or bad weather stops you from being able to continue your travels. You may lose your passport or your home is affected by a natural disaster. We'll help you with the extra expenses to get you home.

Applies to:

Comprehensive
Standard Saver
Snow Sports Plus
Domestic Plus
Frequent Traveller Saver

*See Product Disclosure Statement (PDS) for full terms, conditions, limits and exclusions that apply.
Benefit limits shown are for Single and Duo (per person) policies. 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 table of benefits in the PDS for full details.

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. 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 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. 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.

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