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
Congratulations, Fast Cover!
Fast Cover is a 'Value Brand' in the Travel Insurance category in the 2024 Customer Satisfaction Awards.
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
Thanks for your question. If you hold a motorcycle license here in Australia, you will be covered. You will not have cover if your claim arises from you as a driver or a passenger on a motorcycle, moped, or scooter in the control of someone without a current Australian motorcycle license. You may find more information on Motorcycle travel insuranceand which travel insurance brands cover overseas motorcycle use.
I hope this was helpful,
Richard
BernieJanuary 28, 2016
I booked and payed domestic flight on the country I am visiting but the low budget airline decided to changed the flight date and time of my return. Can you claimed for this cancelation or making changes of flights?
Finder
RichardJanuary 28, 2016Finder
Hi Bernie,
Thanks for your question. It will depend on both the insurer and the policy you have. You should contact the insurer directly as they will be able to advise you on this matter.
All the best,
Richard
JanineDecember 11, 2015
Hi,
My husband and I have secured travel insurance with you for a trip to Bali in January 2016. We missed the cut off date for inclusion of coverage for cancellation due to volcanic ash by 3 days.
I notice some insurance companies have now lifted this restriction eg Easy Travel Insurance and Travel Insurance Saver. Is Fast Cover contemplating doing the same thing in the future?
Thank you.
Finder
RichardDecember 14, 2015Finder
Hi Janine,
Thanks for your question. finder.com.au is a comparison service and not an insurer. You’ll need to contact Fast Cover directly about their claims conditions. You can do so by calling 1300 409 322 or by emailing enquiries@fastcover.com.au.
I hope this was helpful,
Richard
OzanJuly 14, 2015
My son is anaphylactic (allergic to certain nuts). Is his condition covered under the Fast Cover Single Trip comprehensive plan?
Finder
RichardJuly 14, 2015Finder
Hi Ozan,
Thanks for your question. According to the Fast Cover Pre-existing Medical Conditions that are covered (some restrictions apply) section of the PDS, You have cover if your Pre-existing Medical Condition is described below, provided that you have not been hospitalised (including Day Surgery or Emergency Department attendance) for that condition in the past 24 months:
Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever
If you have any further queries about your cover, it may be best to contact Fast Cover directly.
I hope this was helpful,
Richard
WilliamFebruary 26, 2015
am 77 years old going to Sri Lanka on the 5thMay and Return 4th June 2015 Kind send me your quotation and your street address for me to call over
Finder
RichardFebruary 26, 2015Finder
Hi William,
Thanks for your question.
You may get your quote from available policies from Fast Cover travel insurance by filling out your travel details on the form. You may also get quotes from different insurance brands from our travel insurance home page.
Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this was helpful,
Richard
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Can I ride a moped/ small motorcycle?
Hi Gordon,
Thanks for your question. If you hold a motorcycle license here in Australia, you will be covered. You will not have cover if your claim arises from you as a driver or a passenger on a motorcycle, moped, or scooter in the control of someone without a current Australian motorcycle license. You may find more information on Motorcycle travel insuranceand which travel insurance brands cover overseas motorcycle use.
I hope this was helpful,
Richard
I booked and payed domestic flight on the country I am visiting but the low budget airline decided to changed the flight date and time of my return. Can you claimed for this cancelation or making changes of flights?
Hi Bernie,
Thanks for your question. It will depend on both the insurer and the policy you have. You should contact the insurer directly as they will be able to advise you on this matter.
All the best,
Richard
Hi,
My husband and I have secured travel insurance with you for a trip to Bali in January 2016. We missed the cut off date for inclusion of coverage for cancellation due to volcanic ash by 3 days.
I notice some insurance companies have now lifted this restriction eg Easy Travel Insurance and Travel Insurance Saver. Is Fast Cover contemplating doing the same thing in the future?
Thank you.
Hi Janine,
Thanks for your question. finder.com.au is a comparison service and not an insurer. You’ll need to contact Fast Cover directly about their claims conditions. You can do so by calling 1300 409 322 or by emailing enquiries@fastcover.com.au.
I hope this was helpful,
Richard
My son is anaphylactic (allergic to certain nuts). Is his condition covered under the Fast Cover Single Trip comprehensive plan?
Hi Ozan,
Thanks for your question. According to the Fast Cover Pre-existing Medical Conditions that are covered (some restrictions apply) section of the PDS, You have cover if your Pre-existing Medical Condition is described below, provided that you have not been hospitalised (including Day Surgery or Emergency Department attendance) for that condition in the past 24 months:
If you have any further queries about your cover, it may be best to contact Fast Cover directly.
I hope this was helpful,
Richard
am 77 years old going to Sri Lanka on the 5thMay and Return 4th June 2015 Kind send me your quotation and your street address for me to call over
Hi William,
Thanks for your question.
You may get your quote from available policies from Fast Cover travel insurance by filling out your travel details on the form. You may also get quotes from different insurance brands from our travel insurance home page.
Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this was helpful,
Richard