Australian travel insurance

Chosen by over 1 million travellers

Multi-award winning cover †

Recognised for value

Rated by thousands †

on Product Review & Google

15 years of cover

Designed for how Aussies travel

Why choose an Aussie owned and operated travel insurance company?

If you're looking for travel insurance for Australians, choosing an Australian travel insurance company isn’t just about geography. It’s also about trust, understanding and accountability. Here’s why it matters.

Call us and a local picks up - every time

80% of travel insurers Australians buy from are foreign-owned. ¹

 

Learn more

Your claim never leaves Australia. Start to finish, no exceptions.

Many insurers quietly send your claim offshore.

 

Learn more

24/7 Aussie-based support that acts fast when it counts.

Medical emergencies overseas are the wrong time for language barriers.

Learn more

Designed by Australians, for Australians

Foreign-owned insurers commonly sell a one-size-fits-all policy.

 

Learn more

Good words travel fast 

See what our travellers have to say about Fast Cover Travel Insurance

Aussie owned vs foreign-owned insurers: what’s the difference?

Fast Cover is proudly 100% Australian owned. That means: 

  • All Fast Cover staff including customer service and claims are based in Australia 
  • We operate under our own Australian Financial Services Licence (538708) 
  • We don’t hide behind another company’s financial services licence  
  • We’re bound by Australian laws and regulations 
  • We’re aligned with Australian medical and legal expectations 
  • Our profits stay in Australia, and we pay tax in Australia for the benefit of all Aussies 
  • We operate here, employ here, and support Australian travellers

Travel Insurance Company 

Is the travel insurer Australian owned? 

Ownership

Fast Cover 

Yes 

100% Australian owned & operated (Fast Cover Pty Ltd). 

Cover-More 

No 

Zurich Insurance Group (Switzerland). Acquired Cover-More Group in April 2017. 

nib Travel (incl. Travel Insurance Direct, SureSave) 

Yes 

nib Holdings Ltd (ASX: NHF) — Australian listed health insurer. 

Allianz Partners / Allianz Global Assistance 

No 

Allianz SE (Germany). 

Southern Cross Travel Insurance (SCTI) 

No 

Southern Cross Medical Care Society (New Zealand) — 100% NZ-owned mutual. 

1Cover 

No 

United Kingdom owned (Coffre-Fort Pty Ltd / 1Cover Pty Ltd). Common ownership with Zoom. 

World2Cover 

No 

Tokio Marine & Nichido Fire Insurance Co. Ltd (Japan). 

InsureandGo Australia 

No 

Europ Assistance (subsidiary of Assicurazioni Generali, Italy) — acquired from MAPFRE (Spain) in Jan 2022. 

NRMA Insurance (travel) 

Partial 

Brand: Insurance Australia Group (IAG) — ASX-listed Australian general insurer. 

Product: Cover-More/Zurich 

Medibank 

Partial 

Medibank Private Ltd (ASX: MPL) — Australian listed health insurer.

Product: Cover-More/Zurich

Bupa Travel Insurance 

No 

Bupa (British United Provident Association Ltd, UK) — private company limited by guarantee. 

Tick Travel Insurance 

No 

Europ Assistance / Generali Group (Italy). 

Qantas Travel Insurance 

Partial 

Brand: Qantas Airways Ltd (ASX: QAN) 

Product: America Insurance Group (AIG) 

RAA Travel Insurance 

Partial 

Brand: Qantas Airways Ltd (ASX: QAN) 

Product: America Insurance Group (AIG) 

PassportCard Australia (TravelCard) 

No 

PassportCard Group (Israel) — 50% owned by White Mountains Insurance Group (Bermuda, NYSE: WTM). 

Budget Direct Travel Insurance 

No 

Auto & General Holdings (Australia) — ultimately owned by BHL Holdings Ltd (Guernsey), founded by South African Douw Steyn (Telesure/BHL group). 

Australian Seniors Travel Insurance 

No 

Greenstone Financial Services Pty Ltd — owned by Hollard Group (South Africa). 

Zoom Travel Insurance 

No 

United Kingdom owned — common directors/shareholders with 1Cover Pty Ltd. 

American Express Travel Insurance 

No 

American Express Co. (USA) — ultimate parent. Chubb Insurance Australia Ltd (Chubb Ltd, Switzerland/USA) is underwriter. 

Woolworths / Everyday Insurance Travel 

Yes 

Woolworths Group Ltd (ASX: WOW) — Australian listed retailer. 

HCF Travel Insurance 

Partial 

Brand: The Hospitals Contribution Fund of Australia Ltd — Australia's largest not-for-profit health fund.

Product: Allianz 

Freely 

No 

Brand of Cover-More Group — owned by Zurich Insurance Group (Switzerland). 

Travel Insurance Saver 

Yes 

Insurance Saver Pty Ltd (Victoria, Australia)

Go Insurance 

Yes 

Australian-owned underwriting agency focused on travel insurance. 

World Nomads (AU) 

No 

International Medical Group (IMG) — subsidiary of SiriusPoint Ltd (Bermuda/USA). Sale from nib Holdings announced Feb 2026. 

This table and other figures provided are based on publicly available and third-party data believed to be accurate at the time of compilation. Ownership structures may be complex and subject to change (including mergers, acquisitions, restructures, or shareholding changes), and no representation or warranty is given as to accuracy, reliability, or currency. Some figures may be an indicative estimate derived from the insurers included in this table and the methodology applied, and are not a definitive measure of the Australian travel insurance market. This material is for general informational purposes only and does not constitute legal, financial, or professional advice. Users should undertake independent verification and seek appropriate professional advice before relying on this information. To the maximum extent permitted by law, any liability for any loss or damage arising from reliance on this information is not applicable.

Not all travel insurers operate the same way

Here’s a simple comparison of how foreign-owned travel insurers may operate compared to Aussie-based Fast Cover:

Fast Cover – Aussie Owned 

Foreign-owned insurer 

Designed for Australian travellers 

May focus on multiple global markets 

Local Australia-based customer service 

Off-shore call centres 

100% of claims are processed in-house in Australia 

Off-shore claims processing by third party 

Australia-based business accountability 

Operates under foreign parent company 

Clear, plain English communication 

Corporate language may vary 

Understands Aussie travel habits 

Less local travel nuance 

Our profits stay in Australia and we pay tax in Australia 

Foreign-owned insurers send their profits back to their countries

You’ll speak to an Aussie customer service team

Our team keep things straightforward so you can make informed decisionsNo confusing corporate language. No unnecessary jargon. 

Our customer service team will help you: 

  • Get a quote for your trip details 
  • Compare policy options and cover details 
  • Complete a medical screening 
  • Add optional extras to your policy 
  • Make changes to your policy details or extend your policy 
local australian customer service

Of course, all policies are subject to terms, conditions, limits and exclusions. Always refer to the Product Disclosure Statement (PDS) for full details.

How can we help, mate?

Got a question about travel insurance? Call our Aussie-based team today.

100% of claims are handled in Australia from start to finish

Fast Cover’s Aussie based claims team handles all claims in-house in Sydney.  

When you’re dealing with unexpected events on your trip, clarity and familiarity matter. 

  • You’ll speak to a local Aussie team member, not an offshore call centre 
  • Our team guides travellers through the claims process step by step 
  • No time zone confusions

Learn more about our claims process

senior couple smiling as they hug

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.

Access to Aussie-based 24/7 emergency medical assistance

Medical emergencies can happen anywhereeven on holidays. We’re here to help with Aussie based support when you need it most.

Depending on your situation, Fast Cover’s Australia-based Emergency Medical Assistance team may be able to assist you during unexpected medical emergencies overseas by:

  • Locating and arranging overseas medical treatment or hospital admission
  • Coordinating approved medical evacuation or repatriation
  • Providing guidance on accessing local medical support services

See how our 24/7 EA team can help you

person holding globe in their hand
Dean Van Es Fast Cover CEO
Dean Van Es
Chief Executive Officer – Fast Cover Travel Insurance

 

Expert Tip: "In a foreign country, it’s hard to know who to call, where to go, or who to trust. With Fast Cover’s International travel insurance policies, you get access to experienced teams who can guide you to the right care quickly. When you're injured overseas, speed and local knowledge can make all the difference."

We understand how Australians travel

With over 15 years providing travel insurance for Aussie travellers, we know that Australians don’t just holiday, we explore the world through different kinds of travel.

  • We take long-haul flights to Europe 
  • We head to Bali for quick getaways 
  • We cruise through the Pacific 
  • We ski in Japan 
  • We backpack across continents 
  • We tick off our adventure bucket list

Trave insurance isn’t a one-size -fits-all. We design our policy options and optional extras with a wide range of Aussie travellers in mind.

Ready to travel with Aussie support?

If you’re comparing Australian travel insurance companies, choose one that understands how you travel. Get a quote in minutes and see your options.

Why buy online travel insurance with Fast Cover?

Buying online travel insurance should be easy. Fast Cover keeps it simple, from a fast online travel insurance quote to an easy claims process.

Got a question?

Yes. Fast Cover Travel Insurance is proudly 100% Australian owned and operated, supporting a wide range of Australian travellers heading overseas and travelling domestically. Our customer service team, claims team and emergency assistance team are all based locally in Australia.

Fast Cover Travel Insurance is based in Australia. Our friendly customer service, claims and emergency assistance teams are all based in Australia. When you speak to one of our travel insurance experts, you can be confident that you’re speaking to a Fast Cover team member based in Australia.

Fast Cover’s customer service, claims and emergency assistance teams are all based locally in Australia. Fast Cover Travel Insurance does not use any offshore call centres.

All of Fast Cover’s claims are processed by our in-house claims team based in Sydney, Australia.

No. 100% of Fast Cover claims are handled by our in-house claims team in Australia.

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.

# If you change your mind within 25 days of purchasing your policy, you can cancel it for a full refund if you haven’t started your trip, haven’t made or intend to make a claim, used any of your rights under your policy, or used your policy to obtain a visa. After this period, partial refunds may apply as outlined in the PDS.

¹ This table and other figures provided are based on publicly available and third-party data believed to be accurate at the time of compilation. Ownership structures may be complex and subject to change (including mergers, acquisitions, restructures, or shareholding changes), and no representation or warranty is given as to accuracy, reliability, or currency. Some figures may be an indicative estimate derived from the insurers included in this table and the methodology applied, and are not a definitive measure of the Australian travel insurance market. This material is for general informational purposes only and does not constitute legal, financial, or professional advice. Users should undertake independent verification and seek appropriate professional advice before relying on this information. To the maximum extent permitted by law, any liability for any loss or damage arising from reliance on this information is not applicable.