Business travellers often take personal laptops, phones, tablets or cameras on business trips. Cover may be available for the loss, theft or accidental damage of your personally owned (not company owned) luggage and personal effects including laptops, smartphones, tablets, cameras and even your glasses in situations covered under your policy.*

Please note this benefit is an optional cover under the Basics policy. Cover is not available for items owned by your employer. Limits and sub-limits apply to how much you can claim for each item. Conditions including situations in which we would provide cover apply.*

Business travellers often combine work with leisure so a cancelled trip can also be costly for business travellers who have already paid for parts of the trip themselves. If you become unexpectedly sick or injured after purchasing your policy and need to cancel before your trip begins, Fast Cover’s Trip Cancellation Expenses benefit may reimburse the non-refundable, pre-paid costs you’ve already paid, such as flights, accommodation, and tours, in the circumstances outlined in your policy.*

At Fast Cover, you can buy travel insurance for your trip up to 12 months prior to your departure date, so you can lock in cancellation cover early. This benefit is not available with our Basics policy and is only available with our Standard Saver, Comprehensive, Domestic Plus, Snow Sports Plus and Frequent Traveller Saver policies. Please note on a Frequent Traveller Saver policy, your cancellation benefit will begin from the start date you select, not the date you purchase the policy.*

Stuck at the airport on the way to your meeting or conference? If your pre-booked carrier is cancelled or delayed in situations covered under your policy, Fast Cover's Travel Delay Expenses benefit is available to reimburse you for reasonable additional meal and accommodation costs.*

This benefit can provide cover of up to $200 for each traveller (excluding dependants) if your scheduled transport is delayed for at least 6 hours from the time your transport was scheduled to depart, due to circumstances outside your control. For each subsequent full 24-hour period beyond the initial 6 hour delay until your rescheduled departure time, this benefit allows for an additional $200.*

Sometimes, unexpected events that occur after your trip has begun can disrupt your travel plans. If your scheduled or connecting transport is cancelled, delayed, shortened or diverted due to reasons covered under your policy and are outside of your control, our Trip Disruption Expenses benefit is available to provide cover for reasonable additional travel, accommodation and meal expenses that you incur whilst you are still on your trip, which you cannot recover from any other source.*

Medical care overseas can be costly in some countries, especially for business travellers who rely on their work to support their travel. Fast Cover's international travel insurance 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.*

All of Fast Cover's international policies include unlimited cover for overseas emergency medical and hospital expenses, which is designed to help with the financial impact of unexpected illness or injury while you're travelling between work overseas.*

Getting sick or injured overseas on a business trip can be stressful, particularly when you're away from home for an extended period. Fast Cover's Australian-based Emergency Assistance team is available 24 hours a day, 7 days a week to help travellers when they 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 medical evacuation or repatriation where medically necessary and first approved by us 

• 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.*

If you experience a serious medical emergency while on your overseas trip, you might need to be transported to the nearest hospital for emergency medical treatment or even be repatriated back to Australia with appropriate medical supervision. Fast Cover may be able to help with these costs in circumstances covered under your policy.*

Fast Cover's international travel insurance policies may be available to provide cover for your 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.

Conferences are a common part of business travel. If your scheduled transport is cancelled, delayed, shortened or diverted during your trip and that means you would not arrive on time your special event, Fast Cover may provide cover for the reasonable additional travel expenses to help you to get to your special event on time whether it’s a business conference or a tour package for the leisure portion of your trip, so you don’t miss the moments that matter.*

If your scheduled transport is cancelled, delayed, shortened or diverted, our travel insurance may be able to provide cover of up to $5,000 for you to book an alternative flight or other transport to help you make it to your special event on time.*

Special events include a pre-booked, pre-paid and pre-arranged:  

• Wedding  

• Funeral  

• Conference  

• Concert  

• Sporting event  

• Cruise  

• Tour package