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Travel insurance

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Our cover

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Budget travel insurance

Budget travel insurance

Cheap travel insurance for different budgets

Cheap travel insurance for different budgets

See why over a million chose us

Multi award-winning cover†

Recognised for value

Finder Awards 2025 Highly Commended – Comprehensive Travel Insurance; Canstar 2025 Outstanding Value – Seniors Travel Insurance; WeMoney 2025 Winner – Domestic Travel Insurance of the Year

Rated by thousands†

on Product Review

4.7 Rated

Aussie owned & operated

Feel local support

Fast Cover Australian Based Team

See why over a million chose us

Multi award-winning cover†

Recognised for value

Finder Awards 2025 Highly Commended – Comprehensive Travel Insurance; Canstar 2025 Outstanding Value – Seniors Travel Insurance; WeMoney 2025 Winner – Domestic Travel Insurance of the Year
Rated by thousands†

on Product Review

4.7 Rated
Aussie owned & operated

Feel local support

Fast Cover Australian Based Team

What customers are saying‡

Amazing! A very quick and smooth process and the coverage is easy to understand.

Annie

May, 2025

It was great, efficient, clear and easy

Gabrielle

May, 2025

We were recommended to Fastcover by a friend and wouldn't hesitate to recommend to others.

Mark

July 2026

Fast cover were very informative of what each package included.

Maddie

May, 2025

Getting a quote and purchasing my policy was quick & easy, taking just minutes.

Adem

May, 2025

What customers are saying‡

Amazing! A very quick and smooth process and the coverage is easy to understand.

Annie

May, 2025

It was great, efficient, clear and easy

Gabrielle

May, 2025

We were recommended to Fastcover by a friend and wouldn't hesitate to recommend to others.

Mark

July 2026

Fast cover were very informative of what each package included.

Maddie

May, 2025

Getting a quote and purchasing my policy was quick & easy, taking just minutes.

Adem

May, 2025

Top 3 things to know

What it covers

Optional extras

Compare benefits

Top 3 things to know

What it covers

Optional extras

Compare benefits

Learn more about budget travel insurance for your next trip

Updated on

15 July 2026

Learn more about budget travel insurance for your next trip

Updated on

15 July 2026

Tatjana Growth Manager at Fast Cover

Written by

Fact checked

Tatjana Growth Manager at Fast Cover

Written by

Fact checked

No h2 headings found in #content

When you’re travelling on a budget, every dollar counts, so it’s important to cover what you’ve already paid for. Flights, accommodation, and tours can be expensive to replace if your trip is cancelled unexpectedly.

If you or anyone on your policy become unexpectedly ill, injured, or experience another event covered under your policy that forces you to cancel your trip, Fast Cover’s Trip Cancellation Expenses benefit may reimburse the non-refundable pre-paid trip bookings you’ve already paid.*

You can buy travel insurance up to 12 months before you leave for your trip when you purchase our Standard Saver, Comprehensive, Domestic Plus, or Snow Sports Plus policies. Please note this benefit is not available with our Basics policy.

Even budget trips can come with big surprises. If you become seriously ill or injured overseas, Fast Cover’s Australian-based Emergency Assistance team is available 24/7 to help when you need it most.*

Depending on your situation, our 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 local medical services and next steps.*

Travellers covered under the policy can contact our Emergency Assistance team directly any time they need urgent help overseas.*

Medical care overseas can be costly, and in some destinations, even a short hospital visit can result in large bills. Fast Cover’s budget travel insurance, both our Basics and Standard Saver policies may be able to provide cover for overseas emergency medical and hospital expenses if you become unexpectedly ill or injured while on your trip.*

Fast Cover’s budget travel insurance is designed to help with the financial impact of unexpected illness or injury while overseas. This may include reasonable medical treatment, hospitalisation costs, or related medical expenses covered under your policy that you incur during your trip and are not reimbursed elsewhere.*

If you experience a serious medical emergency while travelling, you might need to be medically transported or evacuated to the nearest hospital for emergency medical treatment or even be repatriated back to Australia for treatment with appropriate medical supervision.*

Even our budget travel insurance options such as the Basics and Standard Saver policies may be able to provide cover for the reasonable additional accommodation and travel expenses, cost of medical transfer, evacuation or repatriation when these services are approved under your policy. All medical evacuations and repatriations must be arranged and approved by Fast Cover before they take place.

Losing your luggage or having personal items stolen can hit your travel budget hard. Budget travel insurance may include cover for your luggage and personal items such as laptops, cameras, and phones if they are lost, stolen or accidentally damaged in situations covered under your policy.*

This benefit is automatically included with our Standard Saver policy up to a limit of $5000 but is an optional extra (up to $2000) under our Basics policy for travellers on a tighter budget who might be travelling light and not require cover for luggage and personal items.

Benefit limits and sub-limits apply to how much can be claimed for each item, and conditions set out when and how cover applies. For full details, it’s important to read the PDS to understand your entitlements and any exclusions that may apply.*

Sometimes, even after your trip begins, unexpected events like natural disaster and strikes can result in cancelled or diverted transport and disrupt your trip.

Fast Cover’s Trip Disruption Expenses benefit is available with our Standard Saver policy and may cover reasonable additional travel and accommodation expenses you incur while you’re still on your trip if the disruption occurs for reasons covered under your policy. The cost must be unrecoverable from any other source.*

When you’re travelling on a budget, every dollar counts, so it’s important to cover what you’ve already paid for. Flights, accommodation, and tours can be expensive to replace if your trip is cancelled unexpectedly.

If you or anyone on your policy become unexpectedly ill, injured, or experience another event covered under your policy that forces you to cancel your trip, Fast Cover’s Trip Cancellation Expenses benefit may reimburse the non-refundable pre-paid trip bookings you’ve already paid.*

You can buy travel insurance up to 12 months before you leave for your trip when you purchase our Standard Saver, Comprehensive, Domestic Plus, or Snow Sports Plus policies. Please note this benefit is not available with our Basics policy.

Even budget trips can come with big surprises. If you become seriously ill or injured overseas, Fast Cover’s Australian-based Emergency Assistance team is available 24/7 to help when you need it most.*

Depending on your situation, our 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 local medical services and next steps.*

Travellers covered under the policy can contact our Emergency Assistance team directly any time they need urgent help overseas.*

Medical care overseas can be costly, and in some destinations, even a short hospital visit can result in large bills. Fast Cover’s budget travel insurance, both our Basics and Standard Saver policies may be able to provide cover for overseas emergency medical and hospital expenses if you become unexpectedly ill or injured while on your trip.*

Fast Cover’s budget travel insurance is designed to help with the financial impact of unexpected illness or injury while overseas. This may include reasonable medical treatment, hospitalisation costs, or related medical expenses covered under your policy that you incur during your trip and are not reimbursed elsewhere.*

If you experience a serious medical emergency while travelling, you might need to be medically transported or evacuated to the nearest hospital for emergency medical treatment or even be repatriated back to Australia for treatment with appropriate medical supervision.*

Even our budget travel insurance options such as the Basics and Standard Saver policies may be able to provide cover for the reasonable additional accommodation and travel expenses, cost of medical transfer, evacuation or repatriation when these services are approved under your policy. All medical evacuations and repatriations must be arranged and approved by Fast Cover before they take place.

Losing your luggage or having personal items stolen can hit your travel budget hard. Budget travel insurance may include cover for your luggage and personal items such as laptops, cameras, and phones if they are lost, stolen or accidentally damaged in situations covered under your policy.*

This benefit is automatically included with our Standard Saver policy up to a limit of $5000 but is an optional extra (up to $2000) under our Basics policy for travellers on a tighter budget who might be travelling light and not require cover for luggage and personal items.

Benefit limits and sub-limits apply to how much can be claimed for each item, and conditions set out when and how cover applies. For full details, it’s important to read the PDS to understand your entitlements and any exclusions that may apply.*

Sometimes, even after your trip begins, unexpected events like natural disaster and strikes can result in cancelled or diverted transport and disrupt your trip.

Fast Cover’s Trip Disruption Expenses benefit is available with our Standard Saver policy and may cover reasonable additional travel and accommodation expenses you incur while you’re still on your trip if the disruption occurs for reasons covered under your policy. The cost must be unrecoverable from any other source.*

Exploring a destination on two wheels is often one of the most affordable ways Australians travel, from weaving through Vietnam’s Ha Giang Loop on a motorcycle, to riding a scooter in Thailand, or cruising the coastal roads of Bali on a moped.

Fast Cover’s Motorcycle Pack is an optional extra that you can add to your budget travel insurance that may provide cover to you for being the rider or passenger on a:

  • Motorcycle

  • Moped

  • Scooter.*

The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 years and under at the date of policy issue when they purchase an international travel insurance policy.*

For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.

Travelling on a budget doesn't mean skipping adventure. Fast Cover’s Adventure Pack gives you the option to include an extra list of adrenaline-pumping activities to help you tick off your bucket list.*

Examples of some activities that require the Adventure Pack include:

  • Abseiling

  • Outdoor rock climbing

  • Quad biking

  • Tandem parachuting and tandem skydiving

  • Sailing from 10 -15 nautical miles off any land mass

  • Scuba diving up to a depth of 30 m

  • Water skiing, jet skiing, and speedboating

Conditions apply for activities under our Adventure Pack so make sure to read the PDS for full T&Cs.

The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus or Frequent Traveller Saver policy.*

For more details, visit our page on travel insurance for adventure activities.

Hiring a rental vehicle is a popular way to travel on a budget, but rental vehicles often come with a high insurance excess if something goes wrong.

If your rental vehicle is in an accident, damaged or stolen during your trip overseas, Fast Cover can, depending on the policy chosen, and on payment of additional premium provide reasonable additional cover of up to $8,000 for the rental vehicle excess component of your rental vehicle insurance with your car hire company overseas.*

The rental vehicle excess benefit applies to a:

  • Sedan, hatchback, or station wagon

  • Four-wheel drive or minibus/people mover

  • Campervan or motorhome (up to 4.5 tonnes)

rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms).*

Please note this benefit is not available on our Basics policy.

For more details visit our page on rental vehicle excess cover and read our PDS for terms and conditions of cover for rental vehicle excess.

Pairing a winter holiday with snow sports? Unexpected events at the snow can snowball into costly expenses. If you’re planning to ski or snowboard overseas, answer yes to ‘Will you be doing any snowsports?' during your quote application. This will give you the option to purchase a “Snow Sports Plus” policy which can provide cover for costs associated with ski and snow sports.*

Below are some examples of things that may be covered in your snow sports benefits:

  • loss or theft of, or accidental damage to snow sports equipment

  • for hiring replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been misdirected or delayed for a period of more than 24-hours, or has been accidentally damaged, lost or stolen during your trip

  • if you are injured or become sick during your trip and are unable to utilise the full duration of your pre-booked and pre-paid lift passes, snow sports equipment hire, or lessons, we will reimburse you the percentage amount of the unused portion for each insured person

  • the cost of transport and lift passes at an alternate ski resort

in conditions and circumstances covered under your policy and as per limits and sub limits set out in our PDS.*

The Snow Sports Plus policy is available at an additional premium for Aussie travellers aged 69 and under at the date of policy issue, when they purchase an international travel insurance policy.*

For more details visit our page on travel insurance for skiing and snowboarding and read our PDS for terms and conditions of cover for Snow Sports.

Cruising can be an affordable way to see multiple destinations in one trip, but it’s important to make sure you’re covered both on board and on shore.

You can choose to add cruise cover to your budget travel insurance for additional cover in case of unexpected emergencies on-board the cruise ship and during onshore excursions where no support or reimbursement is provided by the cruise company for these emergencies.*

If you are travelling on a cruise ship and wish to be covered for it, you must specify cruise cover at the time of purchase based on your destination and length of your cruise trip:

  • If you are travelling within Australian waters, the New Zealand or the South Pacific region for 1 night or more

  • If you are travelling on a cruise within Asia, Europe or Worldwide regions for 4 nights or more

By adding this option, your existing international travel insurance benefits will extend to when you’re on a cruise. This may provide cover for unexpected emergencies on-board the cruise ship where no support or reimbursement is provided by the cruise company.*

For more details, visit our page on travel insurance for cruises and read our PDS for terms and conditions of cover for travelling on cruise ship.

Exploring a destination on two wheels is often one of the most affordable ways Australians travel, from weaving through Vietnam’s Ha Giang Loop on a motorcycle, to riding a scooter in Thailand, or cruising the coastal roads of Bali on a moped.

Fast Cover’s Motorcycle Pack is an optional extra that you can add to your budget travel insurance that may provide cover to you for being the rider or passenger on a:

  • Motorcycle

  • Moped

  • Scooter.*

The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 years and under at the date of policy issue when they purchase an international travel insurance policy.*

For more details visit our page on travel insurance for riding a motorcycle overseas and read our PDS for terms and conditions of cover for the Motorcycle Pack.

Travelling on a budget doesn't mean skipping adventure. Fast Cover’s Adventure Pack gives you the option to include an extra list of adrenaline-pumping activities to help you tick off your bucket list.*

Examples of some activities that require the Adventure Pack include:

  • Abseiling

  • Outdoor rock climbing

  • Quad biking

  • Tandem parachuting and tandem skydiving

  • Sailing from 10 -15 nautical miles off any land mass

  • Scuba diving up to a depth of 30 m

  • Water skiing, jet skiing, and speedboating

Conditions apply for activities under our Adventure Pack so make sure to read the PDS for full T&Cs.

The Adventure Pack is available at an additional premium as an optional cover for Aussie travellers aged 74 and under (at the date of policy issue) when they purchase a Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus or Frequent Traveller Saver policy.*

For more details, visit our page on travel insurance for adventure activities.

Hiring a rental vehicle is a popular way to travel on a budget, but rental vehicles often come with a high insurance excess if something goes wrong.

If your rental vehicle is in an accident, damaged or stolen during your trip overseas, Fast Cover can, depending on the policy chosen, and on payment of additional premium provide reasonable additional cover of up to $8,000 for the rental vehicle excess component of your rental vehicle insurance with your car hire company overseas.*

The rental vehicle excess benefit applies to a:

  • Sedan, hatchback, or station wagon

  • Four-wheel drive or minibus/people mover

  • Campervan or motorhome (up to 4.5 tonnes)

rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms).*

Please note this benefit is not available on our Basics policy.

For more details visit our page on rental vehicle excess cover and read our PDS for terms and conditions of cover for rental vehicle excess.

Pairing a winter holiday with snow sports? Unexpected events at the snow can snowball into costly expenses. If you’re planning to ski or snowboard overseas, answer yes to ‘Will you be doing any snowsports?' during your quote application. This will give you the option to purchase a “Snow Sports Plus” policy which can provide cover for costs associated with ski and snow sports.*

Below are some examples of things that may be covered in your snow sports benefits:

  • loss or theft of, or accidental damage to snow sports equipment

  • for hiring replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been misdirected or delayed for a period of more than 24-hours, or has been accidentally damaged, lost or stolen during your trip

  • if you are injured or become sick during your trip and are unable to utilise the full duration of your pre-booked and pre-paid lift passes, snow sports equipment hire, or lessons, we will reimburse you the percentage amount of the unused portion for each insured person

  • the cost of transport and lift passes at an alternate ski resort

in conditions and circumstances covered under your policy and as per limits and sub limits set out in our PDS.*

The Snow Sports Plus policy is available at an additional premium for Aussie travellers aged 69 and under at the date of policy issue, when they purchase an international travel insurance policy.*

For more details visit our page on travel insurance for skiing and snowboarding and read our PDS for terms and conditions of cover for Snow Sports.

Cruising can be an affordable way to see multiple destinations in one trip, but it’s important to make sure you’re covered both on board and on shore.

You can choose to add cruise cover to your budget travel insurance for additional cover in case of unexpected emergencies on-board the cruise ship and during onshore excursions where no support or reimbursement is provided by the cruise company for these emergencies.*

If you are travelling on a cruise ship and wish to be covered for it, you must specify cruise cover at the time of purchase based on your destination and length of your cruise trip:

  • If you are travelling within Australian waters, the New Zealand or the South Pacific region for 1 night or more

  • If you are travelling on a cruise within Asia, Europe or Worldwide regions for 4 nights or more

By adding this option, your existing international travel insurance benefits will extend to when you’re on a cruise. This may provide cover for unexpected emergencies on-board the cruise ship where no support or reimbursement is provided by the cruise company.*

For more details, visit our page on travel insurance for cruises and read our PDS for terms and conditions of cover for travelling on cruise ship.

Cover for existing medical conditions

If you have any existing medical conditions, you may be able to apply to include cover for them. Our simple medical screening process can be completed online or over the phone to help you find out if your condition can be covered.

Select who needs cover

Once you've added all travellers, to your policy, you can select those who wish to add cover for any existing medical conditions.

Take a medical screening

Answer a few questions online or over the phone about your health history. This helps us determine if your condition can be covered.

Choose to add cover

We'll let you know if we can provide cover for any existing medical conditions. You can then choose to add it to your policy.

Insurance cover options

At Fast Cover, we have a range of coverage options available for your overseas trip. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.

Insurance cover options

At Fast Cover, we have a range of coverage options available for your overseas trip. The options below are a summary of some of the benefits available under the various policies, please see the PDS for full details.

Standard Saver

Basics (medical only)

When you’re travelling on a limited budget, every dollar counts. Even small, unexpected expenses can have a big impact on your trip savings. Fast Cover’s budget travel insurance options including our Basics and Standard Saver policies are designed to help you manage the financial risks that can arise while travelling without paying for benefits you may not need.*

This type of cover is ideal for travellers who want cover for the essentials like overseas medical emergencies but still want to keep overall trip costs low. Choosing budget travel insurance means you can stay within your budget while reducing the risk of large, unexpected bills if something goes wrong.

One of the biggest concerns for travellers is what would happen if they became unexpectedly ill or injured overseas. Medical and hospital expenses can be very costly, and in some countries, even basic care requires upfront payment.

If one of your main concerns is how you would manage unexpected healthcare costs abroad, Fast Cover's budget travel insurance options including our Basics and Standard Saver policies include a number of overseas medical benefits that provide cover for overseas a number of medical benefits. Always check your Certificate of Insurance and the Product Disclosure Statement (PDS) to understand exactly what is and isn’t included.*

Travellers looking to save money often book early or take advantage of non-refundable deals. While these can reduce costs upfront, they can also leave you out of pocket if something unexpected happen. For instance, if you become unexpectedly ill or injured and must cancel your plans, you could lose a significant amount of money.

Our Standard Saver policy is a budget travel insurance option that provides cover for eligible Trip Cancellation Expenses, helping to reimburse your non-refundable pre-paid trip bookings so you don’t have to absorb the financial loss yourself.*

When you are travelling on a budget, lost, stolen or damaged luggage and personal items could leave you with out-of-pocket expenses to replace your personal items like your laptop, camera, or favourite travel gear.

Fast Cover’s Standard Saver policy includes the Luggage and Personal Effects benefit, available to provide cover for the loss, theft, or accidental damage to your luggage and personal belongings during your trip subject to limits and sub-limits. Our Basics policy includes this benefit as optional cover, allowing travellers to purchase a cheaper travel insurance option and add on this cover if they decide it fits their needs.*

Travelling often means extended travel with flexible plans. You might start in one country and end up exploring many more along the way.

Fast Cover’s budget travel insurance can provide cover for trips lasting up to 24 months, giving you flexibility to visit as many countries as your itinerary allows within your chosen region.*

This can be helpful if you want to stay longer in one place, take spontaneous detours, or explore multiple regions without needing separate policies. Choosing the right regional cover at the time of purchase ensures you are protected across all the destinations included in your policy.

This is a summary only and does not cover all situations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD to determine whether travel insurance is right for you before buying.

When you’re travelling on a limited budget, every dollar counts. Even small, unexpected expenses can have a big impact on your trip savings. Fast Cover’s budget travel insurance options including our Basics and Standard Saver policies are designed to help you manage the financial risks that can arise while travelling without paying for benefits you may not need.*

This type of cover is ideal for travellers who want cover for the essentials like overseas medical emergencies but still want to keep overall trip costs low. Choosing budget travel insurance means you can stay within your budget while reducing the risk of large, unexpected bills if something goes wrong.

One of the biggest concerns for travellers is what would happen if they became unexpectedly ill or injured overseas. Medical and hospital expenses can be very costly, and in some countries, even basic care requires upfront payment.

If one of your main concerns is how you would manage unexpected healthcare costs abroad, Fast Cover's budget travel insurance options including our Basics and Standard Saver policies include a number of overseas medical benefits that provide cover for overseas a number of medical benefits. Always check your Certificate of Insurance and the Product Disclosure Statement (PDS) to understand exactly what is and isn’t included.*

Travellers looking to save money often book early or take advantage of non-refundable deals. While these can reduce costs upfront, they can also leave you out of pocket if something unexpected happen. For instance, if you become unexpectedly ill or injured and must cancel your plans, you could lose a significant amount of money.

Our Standard Saver policy is a budget travel insurance option that provides cover for eligible Trip Cancellation Expenses, helping to reimburse your non-refundable pre-paid trip bookings so you don’t have to absorb the financial loss yourself.*

When you are travelling on a budget, lost, stolen or damaged luggage and personal items could leave you with out-of-pocket expenses to replace your personal items like your laptop, camera, or favourite travel gear.

Fast Cover’s Standard Saver policy includes the Luggage and Personal Effects benefit, available to provide cover for the loss, theft, or accidental damage to your luggage and personal belongings during your trip subject to limits and sub-limits. Our Basics policy includes this benefit as optional cover, allowing travellers to purchase a cheaper travel insurance option and add on this cover if they decide it fits their needs.*

Travelling often means extended travel with flexible plans. You might start in one country and end up exploring many more along the way.

Fast Cover’s budget travel insurance can provide cover for trips lasting up to 24 months, giving you flexibility to visit as many countries as your itinerary allows within your chosen region.*

This can be helpful if you want to stay longer in one place, take spontaneous detours, or explore multiple regions without needing separate policies. Choosing the right regional cover at the time of purchase ensures you are protected across all the destinations included in your policy.

This is a summary only and does not cover all situations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD to determine whether travel insurance is right for you before buying.

When you’re travelling on a budget, it’s tempting to choose the cheapest travel insurance policy available. But the best budget travel insurance isn’t always the lowest price, it’s the one that provides the right balance between affordability and cover for your trip.

Fast Cover offers several cover levels so you can choose the one that best suits your journey, from essential medical-only cover with our Basics policy, to mid-level cover under our Standard Saver policy, and our Comprehensive policy which includes a wider range of benefits to help more unexpected situations.

When comparing options, always read the PDS, check what’s included and what the benefit limits are for each policy. Understanding the scope of cover can help you find the best cheap travel insurance for your needs.

Budget trips don’t always follow a fixed plan. You might decide to extend your stay, visit another country, or change your return date.

Some travel insurance policies can be restrictive once purchased, leaving you uncovered if your plans change, Fast Cover’s budget travel insurance gives you flexibility, you can extend your policy for up to 24 months or adjust your departure date before you leave Australia. If you add new destinations, you may also be able to extend your regional cover for an additional cost.*

When comparing policies, check whether you can extend or adjust your cover mid-trip. Choosing a policy that adapts to your plans helps you stay protected without the cost or hassle of starting a new policy each time your itinerary changes.

Budget travellers often look for affordable ways to explore multiple destinations in one trip. But not every travel insurance policy automatically covers multiple countries, and buying a new policy each time can quickly add up.

Fast Cover offers six regional options: Worldwide, Europe, Asia, South Pacific, New Zealand, and Australia so you can select the one that best matches your route.

When comparing travel insurance options, look for policies that offer regional flexibility and allow you to travel freely within your chosen region, ideal for budget travellers with flexible or evolving itineraries.*

Travelling on a budget doesn’t mean missing out on adventure. Whether it’s high-altitude hiking, quad biking or renting a scooter to explore a new city, it’s important to know if your travel insurance covers these activities.

Many budget travel insurance policies may not automatically provide cover for adventure or motorbike-related activities, which could leave you paying out of pocket if something goes wrong.

When comparing policies, check if they already cover these activities or have the option to add extra cover for them.

Fast Cover’s Standard Saver policy is considered a budget option that offers optional extras such as the Adventure Pack and Motorcycle Pack, so you can tailor your cover and only add extras when you need them.*

Getting sick or injured while travelling can be stressful and costly especially when you’re on a tight budget. Even a short hospital visit or doctor’s consultation overseas can add up quickly, and in some countries, you may need to pay in full before receiving treatment.

When comparing budget travel insurance, look at the medical benefits included, their limits, and whether 24/7 emergency medical assistance is included. Choosing a policy that offers reliable medical help when you need it most can save you both money and stress during your trip.

Both of Fast Cover’s budget travel insurance options including the Basics medical-only policy and Standard Saver policy provides unlimited cover for:

  • overseas 24/7 emergency medical assistance

  • overseas emergency medical and hospital expenses

  • overseas emergency medical evacuation and repatriation

in circumstances covered under the policy.*

This is a summary only and does not cover all considerations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD before buying.

When you’re travelling on a budget, it’s tempting to choose the cheapest travel insurance policy available. But the best budget travel insurance isn’t always the lowest price, it’s the one that provides the right balance between affordability and cover for your trip.

Fast Cover offers several cover levels so you can choose the one that best suits your journey, from essential medical-only cover with our Basics policy, to mid-level cover under our Standard Saver policy, and our Comprehensive policy which includes a wider range of benefits to help more unexpected situations.

When comparing options, always read the PDS, check what’s included and what the benefit limits are for each policy. Understanding the scope of cover can help you find the best cheap travel insurance for your needs.

Budget trips don’t always follow a fixed plan. You might decide to extend your stay, visit another country, or change your return date.

Some travel insurance policies can be restrictive once purchased, leaving you uncovered if your plans change, Fast Cover’s budget travel insurance gives you flexibility, you can extend your policy for up to 24 months or adjust your departure date before you leave Australia. If you add new destinations, you may also be able to extend your regional cover for an additional cost.*

When comparing policies, check whether you can extend or adjust your cover mid-trip. Choosing a policy that adapts to your plans helps you stay protected without the cost or hassle of starting a new policy each time your itinerary changes.

Budget travellers often look for affordable ways to explore multiple destinations in one trip. But not every travel insurance policy automatically covers multiple countries, and buying a new policy each time can quickly add up.

Fast Cover offers six regional options: Worldwide, Europe, Asia, South Pacific, New Zealand, and Australia so you can select the one that best matches your route.

When comparing travel insurance options, look for policies that offer regional flexibility and allow you to travel freely within your chosen region, ideal for budget travellers with flexible or evolving itineraries.*

Travelling on a budget doesn’t mean missing out on adventure. Whether it’s high-altitude hiking, quad biking or renting a scooter to explore a new city, it’s important to know if your travel insurance covers these activities.

Many budget travel insurance policies may not automatically provide cover for adventure or motorbike-related activities, which could leave you paying out of pocket if something goes wrong.

When comparing policies, check if they already cover these activities or have the option to add extra cover for them.

Fast Cover’s Standard Saver policy is considered a budget option that offers optional extras such as the Adventure Pack and Motorcycle Pack, so you can tailor your cover and only add extras when you need them.*

Getting sick or injured while travelling can be stressful and costly especially when you’re on a tight budget. Even a short hospital visit or doctor’s consultation overseas can add up quickly, and in some countries, you may need to pay in full before receiving treatment.

When comparing budget travel insurance, look at the medical benefits included, their limits, and whether 24/7 emergency medical assistance is included. Choosing a policy that offers reliable medical help when you need it most can save you both money and stress during your trip.

Both of Fast Cover’s budget travel insurance options including the Basics medical-only policy and Standard Saver policy provides unlimited cover for:

  • overseas 24/7 emergency medical assistance

  • overseas emergency medical and hospital expenses

  • overseas emergency medical evacuation and repatriation

in circumstances covered under the policy.*

This is a summary only and does not cover all considerations. Any advice is general only and does not consider your personal circumstances. Read the PDS and TMD before buying.

If you are injured while breaking the law overseas, your travel insurance policy is unlikely to cover the incident. For example, this may include situations such as riding a motorcycle without the required licence or helmet, driving without the correct permit, or being under the influence of alcohol or drugs while operating a vehicle.

Laws vary significantly between countries. What may be legal in Australia could be restricted or prohibited elsewhere. For example, in some destinations, riding a scooter without the correct international licence may result in fines or loss of insurance cover. Always check local laws before your trip, especially if your family plans to hire vehicles overseas.

If you are injured in an accident while, for example, riding a motorcycle, and you didn’t add the Motorcycle Pack to your travel insurance policy, you may be responsible for paying your medical and hospital expenses because you did not choose to include cover for that under your policy.

It is important to think about what activities your family will be participating in so that you have the right cover for the activities you plan to do overseas.

If your belongings are stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your wallet and passport inside it on the beach while you go for a swim, this may be considered leaving your belongings unattended, in which case you may not be covered.

Make sure you keep your belongings with you at all times or keep them in a secure location or take reasonable measures to secure them at all times and at all places.

Budget travel insurance doesn’t cover routine check-ups, dental cleanings, or repeat prescriptions that could have been arranged before leaving Australia. If you take medication for asthma, allergies, or other regular treatments, bring enough for the whole trip. Only unexpected medical emergencies may be covered, depending on your policy.*

Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase.

Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.

Known events are considered as serious situations, from natural disasters like earthquakes and volcanic eruptions, to disease outbreaks, which can affect your holiday plans and also the cover on your overseas travel insurance policy.

If you buy your budget travel insurance after an event is a known event, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for your overseas travel destination as well as information on the official government Smartraveller website so you know where you stand with regards to the cover that you will have on your international travel insurance policy.

Perhaps the weather was bad, the tourist attractions were too crowded, or your accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your budget trip has shaped up, your travel insurance policy is not intended to compensate you because you didn’t enjoy your time there.

If you are injured while breaking the law overseas, your travel insurance policy is unlikely to cover the incident. For example, this may include situations such as riding a motorcycle without the required licence or helmet, driving without the correct permit, or being under the influence of alcohol or drugs while operating a vehicle.

Laws vary significantly between countries. What may be legal in Australia could be restricted or prohibited elsewhere. For example, in some destinations, riding a scooter without the correct international licence may result in fines or loss of insurance cover. Always check local laws before your trip, especially if your family plans to hire vehicles overseas.

If you are injured in an accident while, for example, riding a motorcycle, and you didn’t add the Motorcycle Pack to your travel insurance policy, you may be responsible for paying your medical and hospital expenses because you did not choose to include cover for that under your policy.

It is important to think about what activities your family will be participating in so that you have the right cover for the activities you plan to do overseas.

If your belongings are stolen while unattended or unsupervised, you may not be able to claim for the stolen item. For example: If you leave your bag with your wallet and passport inside it on the beach while you go for a swim, this may be considered leaving your belongings unattended, in which case you may not be covered.

Make sure you keep your belongings with you at all times or keep them in a secure location or take reasonable measures to secure them at all times and at all places.

Budget travel insurance doesn’t cover routine check-ups, dental cleanings, or repeat prescriptions that could have been arranged before leaving Australia. If you take medication for asthma, allergies, or other regular treatments, bring enough for the whole trip. Only unexpected medical emergencies may be covered, depending on your policy.*

Should the Australian Government release a warning on official government Smartraveller website that certain areas overseas are no longer safe to travel to and you still choose to travel there anyway, there may be exclusions that will apply such as if you do not follow advice in the mass media where a travel advisory risk rating of Do Not Travel was issued after policy purchase.

Note: We are unable to offer travel insurance to international destinations that have a Do Not Travel warning on official government Smartraveller website. To check which countries we may cover, enter your destination country in the quote box on our website.

Known events are considered as serious situations, from natural disasters like earthquakes and volcanic eruptions, to disease outbreaks, which can affect your holiday plans and also the cover on your overseas travel insurance policy.

If you buy your budget travel insurance after an event is a known event, the cover on your policy may be affected. You should check for any Travel Alerts that may have been issued for your overseas travel destination as well as information on the official government Smartraveller website so you know where you stand with regards to the cover that you will have on your international travel insurance policy.

Perhaps the weather was bad, the tourist attractions were too crowded, or your accommodation didn’t live up to the pictures online. Whatever the reason you’re unhappy with how your budget trip has shaped up, your travel insurance policy is not intended to compensate you because you didn’t enjoy your time there.

Compare budget travel insurance benefits

Depending on the level of cover you choose, Fast Cover’s budget travel insurance gives you access to a range of benefits designed to fit your trip and your budget. Each policy offers different levels of cover to help you prepare for and manage unexpected medical or financial events while you’re away. Compare our travel insurance policies and benefits below.

Benefits
Basics
Standard Saver
Comprehensive
Important information

The table below is only a summary of benefits.

Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website.

Benefit limits shown apply per person for both Singles and Duo policies.

1 Cover under these benefits are excluded while travelling within Australia.

2 These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately.

3 These benefit limits are shared between Duo policy holders.

If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.

Medical benefits
4 benefits
4 benefits
8 benefits
Overseas 24/7 Emergency Medical Assistance1Sub limits apply
Unlimited
Unlimited
Unlimited
Overseas Emergency Medical & Hospital Expenses1
Unlimited
Unlimited
Unlimited
Overseas Emergency Dental1
$500
$750
$1,000
Overseas Emergency Evacuation & Repatriation1Sub limits apply
Unlimited
Unlimited
Unlimited
Overseas Hospital Cash Payment1Sub limits apply
$5,000
Accidental DeathSub limits apply
$25,000
Permanent Disability1Sub limits apply
$50,000
Loss of Income1Sub limits apply
$10,400
Financial benefits
2 benefits
7 benefits
11 benefits
Snow sports benefits
No cover
No cover
No cover
COVID-19 benefits
1 benefits
2 benefits
2 benefits

Compare budget travel insurance benefits

Depending on the level of cover you choose, Fast Cover’s budget travel insurance gives you access to a range of benefits designed to fit your trip and your budget. Each policy offers different levels of cover to help you prepare for and manage unexpected medical or financial events while you’re away. Compare our travel insurance policies and benefits below.

Basics
Standard Saver
Important information

The table below is only a summary of benefits.

Each level of cover is subject to full policy terms, conditions, limits, sub-limits, and exclusions as per our PDS available on our website.

Benefit limits shown apply per person for both Singles and Duo policies.

1 Cover under these benefits are excluded while travelling within Australia.

2 These benefit limits are shared between travellers under a Family policy. This means the benefit amount is for the whole family to be used together, not for each person separately.

3 These benefit limits are shared between Duo policy holders.

If you hold a Frequent Traveller Saver policy, the benefit limits apply to the combined total of all claims made by all covered travellers (including an accompanying spouse/partner and dependants) listed on the Certificate of Insurance.

Medical benefits
Overseas 24/7 Emergency Medical Assistance1Sub limits apply
Unlimited
Unlimited
Overseas Emergency Medical & Hospital Expenses1
Unlimited
Unlimited
Overseas Emergency Dental1
$500
$750
Overseas Emergency Evacuation & Repatriation1Sub limits apply
Unlimited
Unlimited
Overseas Hospital Cash Payment1Sub limits apply
Accidental DeathSub limits apply
Permanent Disability1Sub limits apply
Loss of Income1Sub limits apply
Financial benefits
Snow sports benefits
COVID-19 benefits

Travelling on a budget?

Travelling on a budget?

Where is your next budget trip?

Exploring Bali, Thailand, or Europe on a shoestring budget? Fast Cover’s budget travel insurance is made for travellers who want affordable travel insurance.

Where is your next budget trip?

Exploring Bali, Thailand, or Europe on a shoestring budget? Fast Cover’s budget travel insurance is made for travellers who want affordable travel insurance.

Got a question?

What is the Basics policy and what does it cover?

Is medical only travel insurance enough for international trips?

Does medical only travel insurance cover cancellation?

Can I upgrade from Basics to Comprehensive later?

What is Standard Saver Travel Insurance?

How much does Standard Saver travel insurance cost?

Does Fast Cover offer Buy Now Pay Later (BNPL) travel insurance?

Got a question?

What is the Basics policy and what does it cover?

Is medical only travel insurance enough for international trips?

Does medical only travel insurance cover cancellation?

Can I upgrade from Basics to Comprehensive later?

What is Standard Saver Travel Insurance?

How much does Standard Saver travel insurance cost?

Does Fast Cover offer Buy Now Pay Later (BNPL) travel insurance?

Things you need to know
Things you need to know
Things you need to know

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save more

Sign up for subscriber only discounts, early access & more

By submitting, you accept our Privacy Policy. Phone number may be used to contact you by telephone call, SMS and WhatsApp.

Coverholder at

Fast Cover Pty Ltd ABN 98 143 196 098, AFSL 538708 (Fast Cover) arranges travel insurance as Coverholder under the binder issued by Certain Underwriters at Lloyd's, led by Canopius Managing Agents Limited (Syndicate 4444). Any advice is general only and does not consider your personal circumstances. Coverage is subject to eligibility criteria, terms, conditions, limits and exclusions. Fast Cover receives a portion of the insurer's premium as remuneration, included in the price you pay. Read the Combined FSG/PDS and TMD at fastcover.com.au before deciding to buy.

Coverholder at

Fast Cover Pty Ltd ABN 98 143 196 098, AFSL 538708 (Fast Cover) arranges travel insurance as Coverholder under the binder issued by Certain Underwriters at Lloyd's, led by Canopius Managing Agents Limited (Syndicate 4444). Any advice is general only and does not consider your personal circumstances. Coverage is subject to eligibility criteria, terms, conditions, limits and exclusions. Fast Cover receives a portion of the insurer's premium as remuneration, included in the price you pay. Read the Combined FSG/PDS and TMD at fastcover.com.au before deciding to buy.

Coverholder at

Fast Cover Pty Ltd ABN 98 143 196 098, AFSL 538708 (Fast Cover) arranges travel insurance as Coverholder under the binder issued by Certain Underwriters at Lloyd's, led by Canopius Managing Agents Limited (Syndicate 4444). Any advice is general only and does not consider your personal circumstances. Coverage is subject to eligibility criteria, terms, conditions, limits and exclusions. Fast Cover receives a portion of the insurer's premium as remuneration, included in the price you pay. Read the Combined FSG/PDS and TMD at fastcover.com.au before deciding to buy.