What is couples travel insurance?
Whether you’re exploring the outback with your partner, city-hopping with a friend, or visiting family overseas with your sibling, couples travel insurance lets you both enjoy the same cover while keeping things straightforward. At Fast Cover, for insurance policy purposes, the terms “couples” and “Duo” mean the same thing, but that doesn’t mean the cover is only for romantic couples. Any adult couple can take out a Duo policy as long as you meet our eligibility criteria.
Here’s how couples travel insurance works under Fast Cover’s Duo policy:
Any two adults: Both travellers listed on the same Certificate of Insurance must be adults. The Duo policy does not cover dependants.
Shared itinerary: You’ll need to be travelling together on the same itinerary for at least 75% of the trip.
Same level of cover: Both travellers are insured with the same level of cover under one of our policy types (Comprehensive, Standard Saver, Basics, Snow Sports Plus or Domestic Plus).
Individual benefit limits: Each traveller has their own individual benefit limits under the Duo policy, except for the Rental Vehicle Excess benefit, which is shared.
What is couples travel insurance?
Whether you’re exploring the outback with your partner, city-hopping with a friend, or visiting family overseas with your sibling, couples travel insurance lets you both enjoy the same cover while keeping things straightforward. At Fast Cover, for insurance policy purposes, the terms “couples” and “Duo” mean the same thing, but that doesn’t mean the cover is only for romantic couples. Any adult couple can take out a Duo policy as long as you meet our eligibility criteria.
Here’s how couples travel insurance works under Fast Cover’s Duo policy:
Any two adults: Both travellers listed on the same Certificate of Insurance must be adults. The Duo policy does not cover dependants.
Shared itinerary: You’ll need to be travelling together on the same itinerary for at least 75% of the trip.
Same level of cover: Both travellers are insured with the same level of cover under one of our policy types (Comprehensive, Standard Saver, Basics, Snow Sports Plus or Domestic Plus).
Individual benefit limits: Each traveller has their own individual benefit limits under the Duo policy, except for the Rental Vehicle Excess benefit, which is shared.
What does couples travel insurance cover?
Fast Cover’s Duo policy provides travel insurance for couples and offers a range of benefits that can help couples deal with and take steps to be prepared for many unexpected circumstances during their travels. While the exact level of cover depends on the policy you choose, here are examples of benefits that may be included in a Duo policy.
This is a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
Cancelled holidays can be both disappointing and expensive, especially if you have paid for flights, accommodation, or tours. If one or both travellers become unexpectedly ill, injured, or experience another covered event under your Duo policy that forces you to cancel your trip, Fast Cover’s Trip Cancellation Expenses benefit may reimburse the non-refundable costs you’ve already paid.*
At Fast Cover, you can buy couples travel insurance up to 12 months before your departure date, allowing you to cover pre-paid trip costs even before you book your flights or accommodation.
With Fast Cover’s couples travel insurance, both travellers have access to our Australian-based Emergency Assistance team, available 24/7.*
Depending on your situation, Fast Cover’s 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 accessing local medical support services
An unexpected trip to a hospital overseas is the last thing you might want on your itinerary. If you’re struck with Bali Belly, break a bone in the US, or need surgery in Europe, Fast Cover may be able to help with overseas emergency medical and hospital expenses in some circumstances which are covered under your policy.*
Fast Cover’s International travel insurance policies are available to provide protection against the financial burden of reasonable and unexpected overseas emergency medical and hospital expenses associated with unexpected illness or injuries, incurred by you, for which you are not reimbursed, during your trip overseas.*
If you or your partner experiences 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.*
Our international policies are available to provide couples with 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.*
When your luggage goes missing or valuable personal items are damaged or stolen overseas, it can cause inconvenience and additional costs. Couples travel insurance may include cover for your luggage and personal items such as jewellery like wedding or engagement rings, laptops, cameras, and phones if they are lost, stolen or accidentally damaged in situations covered under your policy.*
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.*
Travel delays can happen for many reasons, from severe weather to civil protests. If your pre-booked and pre-paid transport is cancelled or delayed due to an event covered by your policy, Fast Cover’s Travel Delay Expenses benefit is available to reimburse you for the reasonable cost of extra meals and accommodation.*
Our Travel Delay Expenses benefit may be able to provide cover for the reimbursement of reasonable additional meals and accommodation expenses. This has a limit of up to $200 for each of the two adult travellers for each 24-hour period, only 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.*
What does couples travel insurance cover?
Fast Cover’s Duo policy provides travel insurance for couples and offers a range of benefits that can help couples deal with and take steps to be prepared for many unexpected circumstances during their travels. While the exact level of cover depends on the policy you choose, here are examples of benefits that may be included in a Duo policy.
This is a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.
Cancelled holidays can be both disappointing and expensive, especially if you have paid for flights, accommodation, or tours. If one or both travellers become unexpectedly ill, injured, or experience another covered event under your Duo policy that forces you to cancel your trip, Fast Cover’s Trip Cancellation Expenses benefit may reimburse the non-refundable costs you’ve already paid.*
At Fast Cover, you can buy couples travel insurance up to 12 months before your departure date, allowing you to cover pre-paid trip costs even before you book your flights or accommodation.
With Fast Cover’s couples travel insurance, both travellers have access to our Australian-based Emergency Assistance team, available 24/7.*
Depending on your situation, Fast Cover’s 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 accessing local medical support services
An unexpected trip to a hospital overseas is the last thing you might want on your itinerary. If you’re struck with Bali Belly, break a bone in the US, or need surgery in Europe, Fast Cover may be able to help with overseas emergency medical and hospital expenses in some circumstances which are covered under your policy.*
Fast Cover’s International travel insurance policies are available to provide protection against the financial burden of reasonable and unexpected overseas emergency medical and hospital expenses associated with unexpected illness or injuries, incurred by you, for which you are not reimbursed, during your trip overseas.*
If you or your partner experiences 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.*
Our international policies are available to provide couples with 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.*
When your luggage goes missing or valuable personal items are damaged or stolen overseas, it can cause inconvenience and additional costs. Couples travel insurance may include cover for your luggage and personal items such as jewellery like wedding or engagement rings, laptops, cameras, and phones if they are lost, stolen or accidentally damaged in situations covered under your policy.*
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.*
Travel delays can happen for many reasons, from severe weather to civil protests. If your pre-booked and pre-paid transport is cancelled or delayed due to an event covered by your policy, Fast Cover’s Travel Delay Expenses benefit is available to reimburse you for the reasonable cost of extra meals and accommodation.*
Our Travel Delay Expenses benefit may be able to provide cover for the reimbursement of reasonable additional meals and accommodation expenses. This has a limit of up to $200 for each of the two adult travellers for each 24-hour period, only 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.*
Optional extras for couples travel insurance
No two duos are the same and your duo travel insurance shouldn’t be either. Whether you’re planning a new adventure with your bestie, celebrating your engagement on a cruise, or hiring a car for a road trip with your sibling, Fast Cover’s add-ons let you customise your Duo policy to match the way you and your travel buddy explore.
Planning an epic adventure with your sidekick? Fast Cover’s Adventure Pack gives couples 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.
For more details, visit our page on travel insurance for adventure activities.
Exploring a destination on two wheels is a popular activity for couples travelling together, 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 Duo policy that may provide cover to you and your travelling partner 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.
Please note that Motorcycle Pack is not available under Domestic Plus policy.
Road-tripping together is one of the best ways to explore. Whether you’re hiring a small car to explore local towns or renting a campervan for an adventure through New Zealand, rental vehicles are a popular way to travel, but they 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 limit is shared between both people listed on the Certificate of Insurance. 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.
Are you and your partner travelling with high value items and worried they will get lost, stolen or damaged?
If you would like to cover your valuable items for more than what they’re covered for under the standard luggage and personal effects terms and conditions, you can choose to specify them as a specified high value item for an additional premium.*
Below are some examples of items you may be able to specify as high value items, they will be specifically listed on your certificate of insurance to confirm cover.
phone
camera
or laptop.
If you need a higher level of cover, or if you wish to add cover for your high value items, you can upgrade your policy to increase your benefit limits. Limits, sub-limits, and conditions apply to how much you can claim and when cover is provided.*
For more details visit our page on travel insurance for luggage and personal effects and read our PDS on terms and conditions of cover for luggage and personal effects.
Pairing a winter holiday with snow sports together? 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.
Celebrating retirement, an engagement or an anniversary on a couple's cruise?
If your travel plans include cruising, you can choose to add cruise cover to your couples travel insurance policy 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 ships.
Optional extras for couples travel insurance
No two duos are the same and your duo travel insurance shouldn’t be either. Whether you’re planning a new adventure with your bestie, celebrating your engagement on a cruise, or hiring a car for a road trip with your sibling, Fast Cover’s add-ons let you customise your Duo policy to match the way you and your travel buddy explore.
Planning an epic adventure with your sidekick? Fast Cover’s Adventure Pack gives couples 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.
For more details, visit our page on travel insurance for adventure activities.
Exploring a destination on two wheels is a popular activity for couples travelling together, 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 Duo policy that may provide cover to you and your travelling partner 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.
Please note that Motorcycle Pack is not available under Domestic Plus policy.
Road-tripping together is one of the best ways to explore. Whether you’re hiring a small car to explore local towns or renting a campervan for an adventure through New Zealand, rental vehicles are a popular way to travel, but they 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 limit is shared between both people listed on the Certificate of Insurance. 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.
Are you and your partner travelling with high value items and worried they will get lost, stolen or damaged?
If you would like to cover your valuable items for more than what they’re covered for under the standard luggage and personal effects terms and conditions, you can choose to specify them as a specified high value item for an additional premium.*
Below are some examples of items you may be able to specify as high value items, they will be specifically listed on your certificate of insurance to confirm cover.
phone
camera
or laptop.
If you need a higher level of cover, or if you wish to add cover for your high value items, you can upgrade your policy to increase your benefit limits. Limits, sub-limits, and conditions apply to how much you can claim and when cover is provided.*
For more details visit our page on travel insurance for luggage and personal effects and read our PDS on terms and conditions of cover for luggage and personal effects.
Pairing a winter holiday with snow sports together? 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.
Celebrating retirement, an engagement or an anniversary on a couple's cruise?
If your travel plans include cruising, you can choose to add cruise cover to your couples travel insurance policy 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 ships.
Who can buy couples travel insurance?
Fast Cover’s Duo travel insurance is designed for two travellers who’ll be sharing most of their trip together. If you’re travelling together on the same itinerary for at least 75% of the trip, you may be eligible to take out a Duo policy, keeping things simple with one policy for two people including:
Friends travelling overseas together
Fiancés enjoying their engagement
Married couple celebrating their anniversary
Newlyweds enjoying a romantic honeymoon
Adventure buddies heading on a ski trip
Senior couple enjoying retirement on a cruise
Siblings on a family visit or group tour
Cousins attending a destination wedding
Expecting couple travelling for a babymoon
Colleagues travelling for work or conferences
A Duo policy with couples travel insurance can apply to any two travellers who meet the eligibility criteria, not just those in a romantic relationship. It’s an inclusive way for Aussies to travel together while sharing the simplicity of one easy policy.
Who can buy couples travel insurance?
Fast Cover’s Duo travel insurance is designed for two travellers who’ll be sharing most of their trip together. If you’re travelling together on the same itinerary for at least 75% of the trip, you may be eligible to take out a Duo policy, keeping things simple with one policy for two people including:
Friends travelling overseas together
Fiancés enjoying their engagement
Married couple celebrating their anniversary
Newlyweds enjoying a romantic honeymoon
Adventure buddies heading on a ski trip
Senior couple enjoying retirement on a cruise
Siblings on a family visit or group tour
Cousins attending a destination wedding
Expecting couple travelling for a babymoon
Colleagues travelling for work or conferences
A Duo policy with couples travel insurance can apply to any two travellers who meet the eligibility criteria, not just those in a romantic relationship. It’s an inclusive way for Aussies to travel together while sharing the simplicity of one easy policy.
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.
Comprehensive travel insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income.*
The Standard Saver travel insurance policy provides mid-level cover, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel.*
Our Basics travel insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000.*
Aussies travelling within Australia for local getaways may be able to purchase the Domestic Plus policy, offering benefits such as Trip Cancellation Expenses, Luggage and Personal Effects, Rental Vehicle Excess cover and more for domestic trips.*
The Snow Sports Plus policy may be suitable for travellers heading to the snow overseas to participate in covered snow sports with benefits for snow sports equipment, snow replacement equipment hire, snow prepaid expenses and snow resort closure.*
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.
Comprehensive
Comprehensive travel insurance is considered as Fast Cover's most popular policy option. It provides the highest level of cover amongst our existing products for the widest range of unexpected situations like overseas emergency medical and hospital expenses, overseas emergency medical assistance, accidental death and loss of income.*
Standard Saver
The Standard Saver travel insurance policy provides mid-level cover, such as benefits relating to your health as well as many similar benefits with lower limits like trip cancellation, trip disruption and luggage and personal effects when you travel.*
Basics (medical only)
Our Basics travel insurance policy type is a simple way of taking steps to obtain cover for one of the most important things in life - your health. You can also apply to customise your policy and include cover under the luggage and personal effects benefit up to $2000.*
Domestic Plus
Aussies travelling within Australia for local getaways may be able to purchase the Domestic Plus policy, offering benefits such as Trip Cancellation Expenses, Luggage and Personal Effects, Rental Vehicle Excess cover and more for domestic trips.*
Snow Sports Plus
The Snow Sports Plus policy may be suitable for travellers heading to the snow overseas to participate in covered snow sports with benefits for snow sports equipment, snow replacement equipment hire, snow prepaid expenses and snow resort closure.*
Do I need couples travel insurance?
Whether you’re planning a honeymoon, anniversary getaway, best mates’ road trip, or long-awaited overseas adventure together, travelling as a duo can mean sharing everything - from the experiences, the bookings, and sometimes the setbacks. Even well-planned trips can take an unexpected turn.
Here are some situations to consider when deciding if you need travel insurance for duos or couples, and how it can provide cover for some situations on your next trip together:
Lost, stolen or damaged luggage and personal items may create ongoing hassles for couples travelling together. Replacing your personal items like your engagement ring or wedding ring, laptop, camera, or favourite travel gear can be costly and stressful.
With Fast Cover’s Luggage and Personal Effects benefit, cover is available to protect against loss, theft, or accidental damage to your luggage and personal belongings on your couple’s trip. Please take special note of the limits and sub-limits in the PDS for this benefit as the total replacement cost might not be available.
Losing or damaging your engagement ring or wedding ring on your trip could be devastating, especially on a special trip to celebrate your honeymoon, engagement or anniversary. Consider if your policy provides travel insurance for engagement rings or wedding rings.
Fast Cover’s Luggage and Personal Effects benefit can provide travel insurance for your engagement ring or wedding ring, with cover of up to $750 per item, depending on your chosen policy.*
Most trips for two involve paying deposits or upfront costs for flights, hotels, or shared tours. If one of you becomes unexpectedly ill or injured and you have to cancel, both travellers could lose significant amounts of money, especially when everything’s booked together.
Consider if your couples travel insurance policy can provide trip cancellation cover, helping to reimburse non-refundable prepaid costs so you and your partner or travel buddy don’t have to absorb the financial loss yourselves.
If you or your travelling partner need to cancel your trip due to an existing medical condition, you could be left out of pocket for non-refundable pre-paid trip bookings. You may wish to check if your couples travel insurance policy can provide cover for trip cancellation expenses if you need to cancel your trip due to your existing medical condition/s.
With Fast Cover, you can apply for cover for existing medical conditions through a medical screening. In some cases, there may be an additional cost if you want your condition covered under your policy.*
Many duos plan travel around special events from destination weddings, conferences, concerts, cruises or tour packages.
If your scheduled transport to special events is cancelled, delayed, shortened or diverted, you might need to spend thousands of dollars on additional transport to make it to your special events on time. Or you might miss out on special events you’ve already booked and paid for.
Consider if your couples travel insurance can provide cover for special event transport expenses. Fast Cover’s couples travel insurance includes Special Event Transport Expenses cover, which may help with reasonable additional travel costs to get you there on time.*
Unexpected events like severe weather, and natural disasters could delay or disrupt your couple’s trip and mean you might have to spend extra money on food and accommodation while you wait for a new flight. Consider if your couples travel insurance can provide cover for travel delay expenses such as reasonable costs of additional meals and accommodation up to limits as specified in the PDS.
Do I need couples travel insurance?
Whether you’re planning a honeymoon, anniversary getaway, best mates’ road trip, or long-awaited overseas adventure together, travelling as a duo can mean sharing everything - from the experiences, the bookings, and sometimes the setbacks. Even well-planned trips can take an unexpected turn.
Here are some situations to consider when deciding if you need travel insurance for duos or couples, and how it can provide cover for some situations on your next trip together:
Lost, stolen or damaged luggage and personal items may create ongoing hassles for couples travelling together. Replacing your personal items like your engagement ring or wedding ring, laptop, camera, or favourite travel gear can be costly and stressful.
With Fast Cover’s Luggage and Personal Effects benefit, cover is available to protect against loss, theft, or accidental damage to your luggage and personal belongings on your couple’s trip. Please take special note of the limits and sub-limits in the PDS for this benefit as the total replacement cost might not be available.
Losing or damaging your engagement ring or wedding ring on your trip could be devastating, especially on a special trip to celebrate your honeymoon, engagement or anniversary. Consider if your policy provides travel insurance for engagement rings or wedding rings.
Fast Cover’s Luggage and Personal Effects benefit can provide travel insurance for your engagement ring or wedding ring, with cover of up to $750 per item, depending on your chosen policy.*
Most trips for two involve paying deposits or upfront costs for flights, hotels, or shared tours. If one of you becomes unexpectedly ill or injured and you have to cancel, both travellers could lose significant amounts of money, especially when everything’s booked together.
Consider if your couples travel insurance policy can provide trip cancellation cover, helping to reimburse non-refundable prepaid costs so you and your partner or travel buddy don’t have to absorb the financial loss yourselves.
If you or your travelling partner need to cancel your trip due to an existing medical condition, you could be left out of pocket for non-refundable pre-paid trip bookings. You may wish to check if your couples travel insurance policy can provide cover for trip cancellation expenses if you need to cancel your trip due to your existing medical condition/s.
With Fast Cover, you can apply for cover for existing medical conditions through a medical screening. In some cases, there may be an additional cost if you want your condition covered under your policy.*
Many duos plan travel around special events from destination weddings, conferences, concerts, cruises or tour packages.
If your scheduled transport to special events is cancelled, delayed, shortened or diverted, you might need to spend thousands of dollars on additional transport to make it to your special events on time. Or you might miss out on special events you’ve already booked and paid for.
Consider if your couples travel insurance can provide cover for special event transport expenses. Fast Cover’s couples travel insurance includes Special Event Transport Expenses cover, which may help with reasonable additional travel costs to get you there on time.*
Unexpected events like severe weather, and natural disasters could delay or disrupt your couple’s trip and mean you might have to spend extra money on food and accommodation while you wait for a new flight. Consider if your couples travel insurance can provide cover for travel delay expenses such as reasonable costs of additional meals and accommodation up to limits as specified in the PDS.
What is the best duo and couples travel insurance?
The best couples travel insurance is the one that fits you individually, your plans, your destination, and how you like to travel. To get the best couples travel insurance for Aussies travelling together, it’s important to consider a policy that aligns with your specific travel needs. This might include the nature of your trip, the types of activities you plan to do and other considerations that apply to you, your partner and your trip.
Here are some important factors to consider when comparing travel insurance options for duos and deciding which couples travel insurance is the best for you and your partner.
When buying couples travel insurance, the best policy might not necessarily be the most expensive, you might consider the best policy to be the one that gives you and your partner the level of cover that matches your trip and personal requirements.
If you’re comparing options, start by looking at what the policy includes, from emergency medical expenses and cancellation benefits to luggage and disruption cover and more. Understanding the range and limit of benefits will help you decide which policy is the most suitable option for your duos trip.
Fast Cover strives to give you the flexibility to choose from a range of cover levels, so you can find the right balance between price and benefits. Whether you’re planning an overseas honeymoon, a ski trip with a friend, or a local weekend getaway, you can select the policy that fits your plans and your budget.
Are you and your travel partner planning to do any adventurous activities on your trip? You may wish to check whether your policy provides cover for the types of adventures and activities you plan to do.
Cover for adventure activities may require an additional optional benefit to be added and may incur an additional premium and may have different age limits to standard terms.
When comparing travel insurance policies for couples, check whether the policy allows you to add optional cover for the types of activities and adventure you both plan to do.
Fast Cover allows you to customise your Duo policy with optional extras for an additional premium to provide cover for a wide range of activities and adventures for you and your partner.*
Natural disasters like floods, earthquakes, and volcanic eruptions can disrupt travel plans with little notice, leaving couples stranded, trips rerouted, or couples facing sudden expenses for new flights and accommodation.
Understanding how a policy responds to these situations can help ensure you’re choosing the right duo travel insurance. For example, Fast Cover’s Duo policy may help with reasonable additional costs, such as alternative accommodation and transport, when your trip is interrupted due to a covered event such as a natural disaster.*
It's worth checking the benefit limits on a couples travel insurance policy to understand how a shared policy works so you can make sure both of you have the right level of cover for your trip.
At Fast Cover, even though our Duo policy is one policy, both travellers have their own benefit limits (except for Rental Vehicle Excess Benefit) under the Certificate of Insurance. This means that if one person’s trip is disrupted, their luggage is lost, or they need emergency medical treatment overseas, they can make a claim for their part of the trip without affecting the other traveller’s benefit limits.*
Some travel insurance policies offer cover for extended or multi-destination travel, so you’re covered under a single policy for the duration of your journey.
With Fast Cover, you can include multiple destinations under your Duo policy for up to 24 months, allowing you to move between countries without buying separate policies. Reviewing how long your cover lasts and how it applies across destinations helps ensure your insurance matches the full length and scope of your trip.
When comparing options, check how long your cover lasts, whether it includes all your destinations, and whether you can extend it mid-trip if your plans change.
What is the best duo and couples travel insurance?
The best couples travel insurance is the one that fits you individually, your plans, your destination, and how you like to travel. To get the best couples travel insurance for Aussies travelling together, it’s important to consider a policy that aligns with your specific travel needs. This might include the nature of your trip, the types of activities you plan to do and other considerations that apply to you, your partner and your trip.
Here are some important factors to consider when comparing travel insurance options for duos and deciding which couples travel insurance is the best for you and your partner.
When buying couples travel insurance, the best policy might not necessarily be the most expensive, you might consider the best policy to be the one that gives you and your partner the level of cover that matches your trip and personal requirements.
If you’re comparing options, start by looking at what the policy includes, from emergency medical expenses and cancellation benefits to luggage and disruption cover and more. Understanding the range and limit of benefits will help you decide which policy is the most suitable option for your duos trip.
Fast Cover strives to give you the flexibility to choose from a range of cover levels, so you can find the right balance between price and benefits. Whether you’re planning an overseas honeymoon, a ski trip with a friend, or a local weekend getaway, you can select the policy that fits your plans and your budget.
Are you and your travel partner planning to do any adventurous activities on your trip? You may wish to check whether your policy provides cover for the types of adventures and activities you plan to do.
Cover for adventure activities may require an additional optional benefit to be added and may incur an additional premium and may have different age limits to standard terms.
When comparing travel insurance policies for couples, check whether the policy allows you to add optional cover for the types of activities and adventure you both plan to do.
Fast Cover allows you to customise your Duo policy with optional extras for an additional premium to provide cover for a wide range of activities and adventures for you and your partner.*
Natural disasters like floods, earthquakes, and volcanic eruptions can disrupt travel plans with little notice, leaving couples stranded, trips rerouted, or couples facing sudden expenses for new flights and accommodation.
Understanding how a policy responds to these situations can help ensure you’re choosing the right duo travel insurance. For example, Fast Cover’s Duo policy may help with reasonable additional costs, such as alternative accommodation and transport, when your trip is interrupted due to a covered event such as a natural disaster.*
It's worth checking the benefit limits on a couples travel insurance policy to understand how a shared policy works so you can make sure both of you have the right level of cover for your trip.
At Fast Cover, even though our Duo policy is one policy, both travellers have their own benefit limits (except for Rental Vehicle Excess Benefit) under the Certificate of Insurance. This means that if one person’s trip is disrupted, their luggage is lost, or they need emergency medical treatment overseas, they can make a claim for their part of the trip without affecting the other traveller’s benefit limits.*
Some travel insurance policies offer cover for extended or multi-destination travel, so you’re covered under a single policy for the duration of your journey.
With Fast Cover, you can include multiple destinations under your Duo policy for up to 24 months, allowing you to move between countries without buying separate policies. Reviewing how long your cover lasts and how it applies across destinations helps ensure your insurance matches the full length and scope of your trip.
When comparing options, check how long your cover lasts, whether it includes all your destinations, and whether you can extend it mid-trip if your plans change.
What is not covered in our couples travel insurance?
When comparing travel insurance, it’s just as important to know what isn’t covered as it is to know what is. Like all insurance products, Fast Cover’s Duo policy has terms, conditions, exclusions, limits and sub-limits that apply that you need to be aware of and consider before buying travel insurance.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
If you’re injured while breaking the law overseas, your Duo policy is unlikely to cover the incident. This may include scenarios such as riding a motorcycle without wearing a helmet, driving without the proper licence, or operating a vehicle under the influence of alcohol or drugs.
Local laws vary significantly between countries and what may be legal in Australia could be prohibited elsewhere. For example, in some destinations, even riding a scooter without the correct international licence could leave you without cover if an accident occurs. Engaging in illegal drug use or carrying prohibited substances could also result in both criminal charges overseas and the denial of any related insurance claim.
Since laws differ across countries, you should always check local regulations before you travel.
If you’re injured in an accident while, for example, riding a motorcycle, and you didn’t add the Motorcycle Pack to your Duo 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 you will be participating in so that you have the right cover for the activities you and your partner 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 under your direct supervision or keep them in a secure location or take reasonable measures to secure them at all times and at all places.
There are exclusions that may apply for regular or routine check-ups or filling regular prescriptions as they are not considered medical emergencies. If you require regular medication, bring enough of what you’ll need for your holiday overseas before you leave Australia.
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 or where a travel advisory risk rating of Do Not Travel was issued on the Smartraveller website 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 usually 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 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 couple's trip has shaped up, your Duo travel insurance policy is not intended to compensate you because you didn’t enjoy your time there.
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.
What is not covered in our couples travel insurance?
When comparing travel insurance, it’s just as important to know what isn’t covered as it is to know what is. Like all insurance products, Fast Cover’s Duo policy has terms, conditions, exclusions, limits and sub-limits that apply that you need to be aware of and consider before buying travel insurance.
These are examples only. Read the PDS and TMD before buying. Claims are assessed individually in accordance with your policy, PDS and Certificate of Insurance.
If you’re injured while breaking the law overseas, your Duo policy is unlikely to cover the incident. This may include scenarios such as riding a motorcycle without wearing a helmet, driving without the proper licence, or operating a vehicle under the influence of alcohol or drugs.
Local laws vary significantly between countries and what may be legal in Australia could be prohibited elsewhere. For example, in some destinations, even riding a scooter without the correct international licence could leave you without cover if an accident occurs. Engaging in illegal drug use or carrying prohibited substances could also result in both criminal charges overseas and the denial of any related insurance claim.
Since laws differ across countries, you should always check local regulations before you travel.
If you’re injured in an accident while, for example, riding a motorcycle, and you didn’t add the Motorcycle Pack to your Duo 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 you will be participating in so that you have the right cover for the activities you and your partner 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 under your direct supervision or keep them in a secure location or take reasonable measures to secure them at all times and at all places.
There are exclusions that may apply for regular or routine check-ups or filling regular prescriptions as they are not considered medical emergencies. If you require regular medication, bring enough of what you’ll need for your holiday overseas before you leave Australia.
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 or where a travel advisory risk rating of Do Not Travel was issued on the Smartraveller website 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 usually 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 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 couple's trip has shaped up, your Duo travel insurance policy is not intended to compensate you because you didn’t enjoy your time there.
As each individual’s circumstances are different, we will assess each claim on a case by case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.








