Explore Travel Insurance

Fast Cover travel insurance at a glance

  • Fast and simple quotes and purchasing
  • For travellers up to 89 years of age
  • Fast and simple help when you need it most
  • Simple online claims service

About Fast Cover

Fast Cover only sells travel insurance, making them specialists in the travel insurance industry. They provide flexible, easy-to-understand and great-value cover with their competitive prices, variety of benefits and range of options.

What Fast Cover travel insurance covers

Fast Cover offers a range of travel insurance policies, so you can choose the policy that best suits the needs of your trip. Before purchasing your policy, you should always read the Product Disclosure Statement (PDS) to make sure you understand what your cover includes.


With a comprehensive policy from Fast Cover, you’ll find the same benefits as the lower levels of cover, with some higher claim limits as well as further benefits like:

  • Overseas hospital cash payment
  • Accidental death
  • Permanent disability
  • Loss of income
  • Theft of cash
  • Luggage delays
  • Travel delays expenses
  • Special event transport expenses

Standard saver

A step above basic, this level of cover will include everything in a basic policy, with some higher limits, as well as additional cover for:

  • Luggage expenses if it’s stolen, lost or damaged
  • Trip cancellations and disruptions (including for COVID-19 related reasons)
  • Trip resumption expenses
  • Passports, credit cards and credit card frauds


Fast Cover’s basic policy provides cover for overseas emergency medical costs, including medical assistance, medical and hospital expenses, evacuation, repatriation and emergency dental, up to the limits of the policy as listed in the PDS. Cover is also available under the basics policy for:

  • Personal liability
  • 24/7 emergency medical assistance
  • COVID-19 cover for emergency medical, hospital and evacuation expenses
  • Optional extra: Luggage and personal effects cover (must be selected when purchasing the policy)

Snow sports

For those planning to participate in snow sports, this policy includes everything in a comprehensive policy, as well as the following:

  • Snow sport equipment and replacement hire
  • Prepaid snow-related expenses
  • Snow resort closure


If you’re not planning on leaving Australia for your holiday, Fast Cover also offers domestic cover to help protect your trip, even close to home. A domestic policy includes cover for the following:

  • Trip cancellation, disruption and resumption expenses
  • Accidental death
  • Loss of luggage or personal belongings
  • Travel delays
  • Special event transport expenses
  • Personal liability
  • Rental vehicle excess
  • Snow sport equipment and replacement hire
  • Prepaid snow expenses
  • Snow resort closures
  • Trip cancellations and disruption due to COVID-19.

This is only a summary of the benefits offered by Fast Cover and doesn’t include optional extras you may be able to add to your policy. Read the PDS for the specific conditions, limits, sub-limits and exclusions that may apply to each cover type, and the Target Market Determination (TMD) to check whether a policy is suitable for you.

All information is accurate as of October 2023.

Why choose Fast Cover travel insurance?

Fast Cover pride themselves on their fast and simple process to assist travellers to select the right policy for them. All their policies are flexible, clear and easy to understand.

  • 25-day money-back guarantee
  • 48-hour price guarantee
  • Cancellation cover that starts as soon as you buy a policy (except COVID-19 cover, which has a 72-hour no-cover period)
  • 100% Australian-owned company with an Australian-based call centre manned by expert and friendly staff who take the time to listen to travellers and help them find a suitable policy for them
  • A range of optional extras to tweak your policy to suit your travel needs

Frequently asked questions

Does Fast Cover travel insurance cover pre-existing medical conditions?

Fast Cover’s travel insurance policies can provide cover for many pre-existing medical conditions, including pregnancy.

If you wish to apply for cover for any pre-existing conditions, you must complete a medical screening by declaring all your pre-existing medical conditions and whether you’re pregnant when you apply to purchase your policy, and changes to your health or pregnancy up until you depart for your trip. Approval of your pre-existing medical conditions, pregnancy or changes to your health will depend on your personal circumstances. Fast Cover may even cover your pre-existing medical condition, pregnancy or change in health for no additional premium. Read the PDS for the terms, conditions, limits, sub-limits and exclusions that apply.

When does my Fast Cover travel insurance cover start?

For basic policies, cover begins on the departure date you listed on your Certificate of Insurance. Frequent traveller policies cover trip cancellation expenses from the start date of your policy (which you choose on policy purchase), while all other policy inclusions begin on the departure date.

All other policies, including the comprehensive, standard, domestic and snow sports levels of cover offer cover for trip cancellation expenses from the policy issue date, while all other benefits begin on the date of departure, as listed on your Certificate of Insurance. For already overseas policies, cover will begin 48 hours after your travel insurance policy is issued.

How do I make a travel insurance claim with Fast Cover?

You’ll need to fill out a claim form, which you can do on their website and submit it online or by printing it to send back via email or post. You’ll typically need to include supporting evidence like medical reports, receipts, photos and police statements (if applicable). In an emergency, you should contact the relevant emergency services and, if needed, Fast Cover’s 24/7 emergency line on (02) 8320 7999 (if you’re in Australia) or +61 2 8320 7999 (if you’re overseas).

What is the excess on Fast Cover travel insurance?

Your policy excess is the amount you must pay towards any claims you make. The standard excess for Fast Cover policies is $200; however, your excess amount may vary if you’re already overseas. You may also be able to reduce your excess by increasing your premium.

Does Fast Cover travel insurance cover hire car excess?

Hire car excess (also known as rental vehicle excess) is available as an optional extra for all overseas policies, except for basic cover. For Fast Cover’s domestic policies, hire car excess is automatically included.

Does Fast Cover offer travel insurance for cruises?

Whether you’re exclusively a passenger cruising the ocean waters in style or combining it with sight-seeing on land, you can select a Fast Cover cruise policy. It includes the same benefits as non-cruise journeys plus medical, transfer and repatriation expenses should something go wrong at sea. You’ll need to select the cruise cover option at policy purchase and pay an additional premium (except if you’re travelling on a river cruise ship, a day cruise in Australian/New Zealand/South Pacific waters or less than four nights in Asia, Europe or worldwide regions).

Compare travel insurance today

When you’re planning your next trip, don’t forget to pack your travel insurance! To help make the process simple, you can compare various options, including policies from Fast Cover, through our free comparison service.

In just minutes, you can compare travel insurance by coverage, cost and excess payments, as well as optional add-ons for your journey. See what we have to offer and compare.

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