Fast Cover's Comprehensive policy won the 2023 Finder Award for the Value category.
With a specific Bicycle add-on, travellers heading on a cycling holiday can opt for extra protection - up to $5,000 per bike.
Fast Cover Travel Insurance offers a wide range of customisations, including specific packs for bicycles, motorcycling, adventure activities, snow sports and cruising.
Cons
Pregnancy is only covered up until the 24th week. But we found 11 brands that extend cover beyond this point.
Although cruise travel can be covered, there's no specific policy for cruising which means some cruise-specific risks may be overlooked.
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Summary of Fast Cover's Comprehensive policy
Overseas Medical and Hospital Expenses
Unlimited
Cancellation and Amendment Fees
Unlimited
Luggage and Personal Effects
$15,000
Maximum Age Limit
89
Table updated March 2024
How does Fast Cover Travel Insurance cover Covid-19?
Fast Cover is one of the few insurers that offer some cover for COVID-related claims. The three key benefits covered are:
Unlimited Covid-19 overseas emergency medical expenses, including medical evacuation and repatriation
Up to $5,000 for trip cancellation and disruption due to Covid-19
Additional expenses you might incur, including travel, accommodation and childcare costs
There are still some pandemic-related costs that are not covered at all by Fast Cover, including expenses related to lockdowns, border closures and quarantine.
What do Australians think of Fast Cover travel insurance?
4.33/5 overall for Customer Satisfaction — higher than the average of 4.26
4.61/5 for Trust — higher than the average of 4.57
4.23/5 for Customer Service — higher than the average of 4.2
Fast Cover has six levels of cover available: Domestic Plus, Snow Sports Plus, Basics, Standard Saver, Comprehensive and Frequent Traveller Saver. Here are some of the main insured events a policy can cover you for:
Domestic Plus
Snow Sports Plus
Basics
Standard Saver
Comprehensive
Frequent Traveller Saver
The insurance is issued by Lloyd's. It comes with a 25-day money back guarantee and a $200 standard excess. The excess is the amount you're required to pay when you make a claim and you can reduce this to $100 or $0 if you pay an additional premium.
"I was travelling to Las Vegas on a business trip for a few days. I was originally going to buy insurance from another provider that had scored more highly - however I read the pros and cons on Finder's review and it pointed out that I might want to check accidental death and disruption expenses. FastCover had better coverage for those so I went with them! "
Joe Waller
Finder crew member
Here's a breakdown of Fast Cover travel insurance features
A Fast Cover Travel Insurance policy has a stack of benefits that can cover you leading up to and during your trip. We've highlighted some of the main benefits included in the Comprehensive policy to help you decide if Fast Cover is the best option for you:
24/7 overseas emergency medical assistance
Accidental death
Loss of income
Luggage and personal effects
Overseas emergency medical and hospital expenses
Overseas emergency dental
Permanent disability
Special event transport expenses
Trip disruption expenses
Trip cancellation expenses
Optional add-on
When purchasing any of the insurance plans from Fast Cover, you have the chance of choosing a Single Policy, Duo Policy or Family Policy at purchase. Other optional add-ons include:
Adventure pack for additional cover on top of the standard sports and activities
Motorcycle pack covers you as a rider or passenger on a motorcycle, scooter or moped
Bicycle pack can cover any bicycles that you take on your trip
Exclusions
As with any travel insurance provider, there are certain situations when your claim may not be paid. Some of Fast Cover Travel Insurance's general exclusions include if:
If your claim is related to a pre-existing condition.
Your claim arises from you being aware at the time you bought your policy of something that would impact your ability to travel. For example, if you knew a family member may pass away during your trip, and you had the intention of using your policy to cover last minute changes to your travels, you might not be covered for those expenses.
You won’t be covered if you travel and ignore government warnings and known events in the media for reasons set out in the Product Disclosure Statement (PDS). For example, you may not be covered if you take out a policy after a volcano eruption warning is issued on the news.
Your claim arises from being denied boarding from a travel provider due to COVID-19 vaccination requirements, or from errors in any booking arrangements, failure to obtain relevant visa, passport or travel documents, or being rejected access to a country on arrival for any reason.
You won’t be covered if you travel against the advice of a doctor or medical practioner.
You won’t be coverd if your claim arises from the consumption of alcohol or illegal drugs.
Make sure you review Fast Cover's Product Disclosure Statement for a detailed breakdown of what is and isn't covered.
How to make a Fast Cover Travel Insurance claim
For emergencies, you can contact Fast Cover's emergency assistance team on +61 2 8320 7999 or emergency@fastcover.com.au.
All other claims can be completed online by following these steps:
Head to https://fastcover.com.au/claims
Enter your email address and policy number
Complete the required details
Attach any documentation to support your claim
Submit, and wait for Fast Cover to contact you
Here's the bottom line about Fast Cover Travel Insurance
Fast Cover's comprehensive policy offers an impressive range of add-on options, including specific packs for bicycles, motorbikes, adventure sports, snow sports, and hire cars. This means policies can be customised to suit a wide range of holidays and travellers.
However, there are areas where Fast Cover's Comprehensive Travel Insurance isn't as strong. Like how pregnancy cover is on the lower end of what is typically offered by insurance brands and is only covered up until the end of the 23rd week. (We found 11 brands that extend beyond this point).
Finally, there is no specific cruise policy. While cover can be extended so you're protected on cruises, cover for some cruise-specific risks may be lacking, such as cabin confinement or seasickness cover.
Fast Cover insurance can be suitable for a variety of travellers, including backpackers, families and seniors. As with any insurance, it's important to review the product disclosure statement to make sure the policy suits your particular needs.
Winner for Best Travel Insurance - Value
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Thank you for your feedback!
To make sure you get accurate and helpful information, this guide has been edited by Joelle Grubb as part of our fact-checking process.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio
we want to hire a scooter in bali does Comprehensive cover, cover us thanks
Finder
JessicaJuly 25, 2019Finder
Hi Kerry,
Thanks for getting in touch with Finder.
Fast Cover’s Comprehensive policy doesn’t automatically cover you if you’re hiring a scooter overseas but they do offer a Motorcycle Pack which is available as an add-on to your policy. Just be aware that to be covered, you will need to follow Fast Cover’s conditions;
Riders:
You must wear a helmet.
For motorcycles with an engine size of 50cc or less, you must hold an Australian Drivers Licence.
For motorcycles with an engine size over 50cc, you must hold an Australian Motorcycle Licence.
You must be legally allowed to ride in the country that you are in.
Passengers:
You must wear a helmet.
The person in control of the motorcycle, moped, or scooter must be legally allowed to ride in the country that they are riding in.
Does Fast Cover cover for pre existing conditions that are either under control or been fixed?
Finder
JeniSeptember 16, 2018Finder
Hi Diane,
Thank you for getting in touch with finder.
Some pre existing conditions that are either under control or been fixed may be covered by Fast Cover, and others may be excluded. It is best to contact Fast Cover directly to discuss the matter and get a more accurate answer such as need to add cover for the cost of an additional premium.
I hope this helps.
Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni
MarianOctober 13, 2017
Request quote to cover couple cruising to New Zealand with NIL EXCESS please.
Finder
HaroldOctober 13, 2017Finder
Hi Marian,
Thank you for your inquiry.
As per checking you are already in the right page. If you need to request for quotation you can click the “Get Quote” to receive your quotation.
I hope this information has helped.
Cheers,
Harold
SandyJanuary 8, 2017
Does your policy cover if the tour company goes bankrupt
Finder
RichardJanuary 9, 2017Finder
Hi Sandy,
Thanks for getting in touch. There is no mention in the Fast Cover product disclosure statement (PDS) about financial default or insolvency with regards to tour companies. You may wish to contact Fast Cover directly for more details.
You may also want to use our quote form on this page to instantly get a quote. Simply fill out the form and select “Get my quote” button.
All the best,
Richard
MarilynApril 9, 2016
does comprehensive international travel insurance cover natural disasters
Finder
RichardApril 9, 2016Finder
Hi Marilyn,
Thanks for your question.
Most if not all of the comprehensive travel insurance covers natural disasters. Insurers will explain whether natural disasters are covered on an event-by-event basis. Our handy guide will help you find a list of insurance brands that covers natural disasters. I suggest you to read the insurers terms and conditions or speak with the insurer directly to ensure you are covered.
I hope this was helpful,
Richard
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we want to hire a scooter in bali does Comprehensive cover, cover us thanks
Hi Kerry,
Thanks for getting in touch with Finder.
Fast Cover’s Comprehensive policy doesn’t automatically cover you if you’re hiring a scooter overseas but they do offer a Motorcycle Pack which is available as an add-on to your policy. Just be aware that to be covered, you will need to follow Fast Cover’s conditions;
Riders:
Passengers:
We also have a page dedicated to motorcycle travel insurance (includes scooters), if this helps.
Kind regards,
Jessica
Does Fast Cover cover for pre existing conditions that are either under control or been fixed?
Hi Diane,
Thank you for getting in touch with finder.
Some pre existing conditions that are either under control or been fixed may be covered by Fast Cover, and others may be excluded. It is best to contact Fast Cover directly to discuss the matter and get a more accurate answer such as need to add cover for the cost of an additional premium.
I hope this helps.
Please feel free to reach out to us if you have any other enquiries.
Thank you and have a wonderful day!
Cheers,
Jeni
Request quote to cover couple cruising to New Zealand with NIL EXCESS please.
Hi Marian,
Thank you for your inquiry.
As per checking you are already in the right page. If you need to request for quotation you can click the “Get Quote” to receive your quotation.
I hope this information has helped.
Cheers,
Harold
Does your policy cover if the tour company goes bankrupt
Hi Sandy,
Thanks for getting in touch. There is no mention in the Fast Cover product disclosure statement (PDS) about financial default or insolvency with regards to tour companies. You may wish to contact Fast Cover directly for more details.
You may also want to use our quote form on this page to instantly get a quote. Simply fill out the form and select “Get my quote” button.
All the best,
Richard
does comprehensive international travel insurance cover natural disasters
Hi Marilyn,
Thanks for your question.
Most if not all of the comprehensive travel insurance covers natural disasters. Insurers will explain whether natural disasters are covered on an event-by-event basis. Our handy guide will help you find a list of insurance brands that covers natural disasters. I suggest you to read the insurers terms and conditions or speak with the insurer directly to ensure you are covered.
I hope this was helpful,
Richard