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What does international travel insurance cover?
Fast Cover’s international travel insurance policies are available to provide some cover under a range of benefits to help you deal with and take steps to be prepared for many unexpected and unforeseen circumstances during your overseas trip.
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.
Our international cancellation cover may help protect the non-refundable bookings you’ve already paid for if you need to cancel your overseas trip due to circumstances covered under your policy, for example, an unexpected illness or injury.*
If you’re no longer able to travel to your overseas destination due to unexpected circumstances covered under your policy, Fast Cover’s international travel insurance with cancellation cover may help protect the non-refundable bookings you've already paid for your overseas trip like flights, accommodation, cruises and tours. You can take out an International travel insurance policy with cancellation cover up to 12 months before you travel overseas.*
Travel plans on pause? If you’re stuck at the airport with no flight and need extra accommodation while you wait with no reimbursement for these from the airlines with which you are travelling, Fast Cover may be able to reimburse you for the reasonable cost of extra meals and accommodation due to travel delays if your pre-booked transport is cancelled and rescheduled or delayed in situations covered under your policy.*
Our international travel insurance can provide cover for the reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each 24-hour period if your scheduled transport is delayed for at least 6 hours from the time your transport was scheduled to depart.*
Lost, stolen or damaged luggage can turn a dream overseas holiday into a traveller’s nightmare! That’s why cover may be available for the loss, theft or accidental damage of your luggage and personal items in situations covered under your policy.*
Our international travel insurance may be able to provide cover if your luggage and personal belongings such as your phone, camera or laptop are lost, stolen or damaged during your trip overseas. Limits and sub-limits apply to how much you can claim for each item. Conditions including situations in which we would provide cover apply.*
Medical emergencies can happen anywhere - even on holidays. We’re here to help with Aussie based support when you need it most. Fast Cover’s Aussie based team of experts are available to provide 24/7 support for overseas medical emergencies wherever you are, depending on your situation and location.*
Fast Cover’s international travel insurance policies may include access to our Australian based Emergency Assistance hotline with 24/7 support for unexpected medical emergencies overseas. Our Emergency Assistance team may be able to help arrange experienced medical support services in the event of unexpected circumstances.*
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 become seriously injured or sick while travelling overseas, access to emergency medical care could make a huge difference. Fast Cover may be able to help with the cost of getting you to the nearest hospital for emergency medical treatment or even flying you back to Australia, in circumstances covered under your policy.*
In case you are seriously injured or sick while on your trip overseas, Fast Cover’s international travel insurance policies are available to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*
What does international travel insurance cover?
Fast Cover’s international travel insurance policies are available to provide some cover under a range of benefits to help you deal with and take steps to be prepared for many unexpected and unforeseen circumstances during your overseas trip.
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.
Our international cancellation cover may help protect the non-refundable bookings you’ve already paid for if you need to cancel your overseas trip due to circumstances covered under your policy, for example, an unexpected illness or injury.*
If you’re no longer able to travel to your overseas destination due to unexpected circumstances covered under your policy, Fast Cover’s international travel insurance with cancellation cover may help protect the non-refundable bookings you've already paid for your overseas trip like flights, accommodation, cruises and tours. You can take out an International travel insurance policy with cancellation cover up to 12 months before you travel overseas.*
Travel plans on pause? If you’re stuck at the airport with no flight and need extra accommodation while you wait with no reimbursement for these from the airlines with which you are travelling, Fast Cover may be able to reimburse you for the reasonable cost of extra meals and accommodation due to travel delays if your pre-booked transport is cancelled and rescheduled or delayed in situations covered under your policy.*
Our international travel insurance can provide cover for the reimbursement of reasonable additional meals and accommodation expenses up to $200 for each traveller (excluding dependants) for each 24-hour period if your scheduled transport is delayed for at least 6 hours from the time your transport was scheduled to depart.*
Lost, stolen or damaged luggage can turn a dream overseas holiday into a traveller’s nightmare! That’s why cover may be available for the loss, theft or accidental damage of your luggage and personal items in situations covered under your policy.*
Our international travel insurance may be able to provide cover if your luggage and personal belongings such as your phone, camera or laptop are lost, stolen or damaged during your trip overseas. Limits and sub-limits apply to how much you can claim for each item. Conditions including situations in which we would provide cover apply.*
Medical emergencies can happen anywhere - even on holidays. We’re here to help with Aussie based support when you need it most. Fast Cover’s Aussie based team of experts are available to provide 24/7 support for overseas medical emergencies wherever you are, depending on your situation and location.*
Fast Cover’s international travel insurance policies may include access to our Australian based Emergency Assistance hotline with 24/7 support for unexpected medical emergencies overseas. Our Emergency Assistance team may be able to help arrange experienced medical support services in the event of unexpected circumstances.*
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 become seriously injured or sick while travelling overseas, access to emergency medical care could make a huge difference. Fast Cover may be able to help with the cost of getting you to the nearest hospital for emergency medical treatment or even flying you back to Australia, in circumstances covered under your policy.*
In case you are seriously injured or sick while on your trip overseas, Fast Cover’s international travel insurance policies are available to provide cover for your reasonable additional accommodation and travel expenses, medical transfer, evacuation or repatriation if you must be transported to the nearest hospital for emergency medical treatment or be brought back to Australia with appropriate medical supervision. The medical transfer, evacuation or repatriation must first be approved by Fast Cover.*
Optional extras for your international travel insurance
No two trips are the same - and your cover shouldn’t be either. Fast Cover’s optional add-ons allow you to customise your travel insurance policy so you can include cover for a range of activities and adventures to fit you and your travel plans overseas.*
Whether you’re riding a motorcycle through Southeast Asia, soaking up the sun on a cruise to Fiji, hitting the slopes in Canada or getting your friends together for a road trip across Europe, Fast Cover’s international travel insurance provides flexible cover for Aussie travellers to customise their policy to their individual needs.*
Ready to explore the world’s most iconic routes on two wheels with Fast Cover’s Motorcycle Pack? Riding a motorcycle offers a unique and thrilling way to experience diverse landscapes from Vietnam’s winding Ha Giang Loop to Norway’s dramatic Troll’s Ladder and Italy’s scenic Great Dolomites Road.
Fast Cover’s Motorcycle Pack is an optional extra available under our international policies that may provide cover to you for being the rider or passenger on a:
Motorcycle,
Moped, or
Scooter.*
The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 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.
Setting voyage on a cruise through the South Pacific, Caribbean, or Mediterranean?
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.*
Fast Cover’s simple quote process can be completed online or over the phone to help you add cruise cover to your international travel insurance policy. Below is some of the information which may be needed to get a quote for cruise cover:
Set Travel Dates: Tell us the travel dates you would like to be covered for.
Select Who Needs Cover: Are you travelling solo, with a companion or with your family? Add all travellers to your policy.
Going on a Cruise? Answer ‘Yes’ to ‘Are you going on a cruise?’
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.
Hitting the slopes in the French Alps, Canada’s Whistler Mountain, New Zealand’s Queenstown or Japan’s snow-capped mountains of Hokkaido? Unexpected events at the snow can snowball into costly expenses. If you’re planning to ski or snowboard overseas, consider applying for Fast Cover's ski and snow travel insurance, called the “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 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, and
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.
Travelling overseas 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 specified high value items:
Phone
Laptop
Camera
Surfboard
Please note specified high value items are only available on Comprehensive, Snow Sports Plus and Frequent Traveller Saver policies. Limits and sub-limits apply.*
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.
Exploring overseas at your own pace? Whether you’re hiring a car for a road trip or enjoying retirement by touring a new country in a rental campervan or motorhome, Fast Cover may be able to provide cover for your rental vehicle insurance excess.*
If your rental vehicle is in an accident, damaged or stolen during your trip overseas, Fast Cover can, depending on the policy chosen, provide 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, or
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).*
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.
Ready for your next big overseas adventure? Fast Cover’s Adventure Pack covers a 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 nm off any land mass
Scuba diving up to 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 or Frequent Traveller Saver policy.*
For more details, visit our page on travel insurance for adventure activities.
Optional extras for your international travel insurance
No two trips are the same - and your cover shouldn’t be either. Fast Cover’s optional add-ons allow you to customise your travel insurance policy so you can include cover for a range of activities and adventures to fit you and your travel plans overseas.*
Whether you’re riding a motorcycle through Southeast Asia, soaking up the sun on a cruise to Fiji, hitting the slopes in Canada or getting your friends together for a road trip across Europe, Fast Cover’s international travel insurance provides flexible cover for Aussie travellers to customise their policy to their individual needs.*
Ready to explore the world’s most iconic routes on two wheels with Fast Cover’s Motorcycle Pack? Riding a motorcycle offers a unique and thrilling way to experience diverse landscapes from Vietnam’s winding Ha Giang Loop to Norway’s dramatic Troll’s Ladder and Italy’s scenic Great Dolomites Road.
Fast Cover’s Motorcycle Pack is an optional extra available under our international policies that may provide cover to you for being the rider or passenger on a:
Motorcycle,
Moped, or
Scooter.*
The Motorcycle Pack is available at an additional premium for Aussie travellers aged 74 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.
Setting voyage on a cruise through the South Pacific, Caribbean, or Mediterranean?
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.*
Fast Cover’s simple quote process can be completed online or over the phone to help you add cruise cover to your international travel insurance policy. Below is some of the information which may be needed to get a quote for cruise cover:
Set Travel Dates: Tell us the travel dates you would like to be covered for.
Select Who Needs Cover: Are you travelling solo, with a companion or with your family? Add all travellers to your policy.
Going on a Cruise? Answer ‘Yes’ to ‘Are you going on a cruise?’
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.
Hitting the slopes in the French Alps, Canada’s Whistler Mountain, New Zealand’s Queenstown or Japan’s snow-capped mountains of Hokkaido? Unexpected events at the snow can snowball into costly expenses. If you’re planning to ski or snowboard overseas, consider applying for Fast Cover's ski and snow travel insurance, called the “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 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, and
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.
Travelling overseas 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 specified high value items:
Phone
Laptop
Camera
Surfboard
Please note specified high value items are only available on Comprehensive, Snow Sports Plus and Frequent Traveller Saver policies. Limits and sub-limits apply.*
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.
Exploring overseas at your own pace? Whether you’re hiring a car for a road trip or enjoying retirement by touring a new country in a rental campervan or motorhome, Fast Cover may be able to provide cover for your rental vehicle insurance excess.*
If your rental vehicle is in an accident, damaged or stolen during your trip overseas, Fast Cover can, depending on the policy chosen, provide 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, or
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).*
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.
Ready for your next big overseas adventure? Fast Cover’s Adventure Pack covers a 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 nm off any land mass
Scuba diving up to 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 or Frequent Traveller Saver policy.*
For more details, visit our page on travel insurance for adventure activities.
Activities automatically covered by our international travel insurance
You should consider the type of overseas holiday you’re taking, the activities that are on your itinerary and check if your international travel insurance policy will automatically provide cover for the activities that you have planned, or whether you need to take out optional add-on packs to provide cover for your planned activities. Either way, conditions for activities may apply, so make sure to read the PDS for full details.
Fast Cover’s international travel insurance policies provide cover for a list of non-contact sports and leisure activities outlined in our PDS and subject to terms and conditions of your policy. Examples of some activities that may be automatically covered include:
Bicycling
Bungee jumping or canyon swinging
Camel riding
Fishing
Golf
Hiking below 3,000 metres
Horse riding
Licensed hot air ballooning
Sailing up to 10 nm off any land mass
Scuba diving to 10 m
Shark cage diving up to 10 m
Sightseeing
Skateboarding
Snorkelling
Surfing
Kayaking
Conditions apply for activities listed under Covered Sports and Leisure Activities so make sure to read the PDS for full T&Cs.
For more details visit our page on travel insurance for sports and leisure activities.
Please note that it is a condition of cover for all activities that you act in a reasonable way to protect yourself. The best way that you can do this is to enjoy your activities with a properly licensed outdoor pursuits or sports organisation and to follow their instructions.
Activities automatically covered by our international travel insurance
You should consider the type of overseas holiday you’re taking, the activities that are on your itinerary and check if your international travel insurance policy will automatically provide cover for the activities that you have planned, or whether you need to take out optional add-on packs to provide cover for your planned activities. Either way, conditions for activities may apply, so make sure to read the PDS for full details.
Fast Cover’s international travel insurance policies provide cover for a list of non-contact sports and leisure activities outlined in our PDS and subject to terms and conditions of your policy. Examples of some activities that may be automatically covered include:
Bicycling
Bungee jumping or canyon swinging
Camel riding
Fishing
Golf
Hiking below 3,000 metres
Horse riding
Licensed hot air ballooning
Sailing up to 10 nm off any land mass
Scuba diving to 10 m
Shark cage diving up to 10 m
Sightseeing
Skateboarding
Snorkelling
Surfing
Kayaking
Conditions apply for activities listed under Covered Sports and Leisure Activities so make sure to read the PDS for full T&Cs.
For more details visit our page on travel insurance for sports and leisure activities.
Please note that it is a condition of cover for all activities that you act in a reasonable way to protect yourself. The best way that you can do this is to enjoy your activities with a properly licensed outdoor pursuits or sports organisation and to follow their instructions.
Does international travel insurance cover my hospital bills if I get sick overseas?
Regardless of the international travel insurance policy that you choose for your overseas trip, one important benefit we include with all our international policies is the Overseas Emergency Medical and Hospital Expenses benefit. Here’s some important information you need to know about overseas emergency medical and hospital expenses.
This benefit provides reimbursement for unexpected medical emergencies that can happen on your trip overseas, from food poisoning to treatment for a broken bone or emergency surgery for appendicitis depending on your circumstances.
You should be aware that cover isn’t available for all medical expenses as it depends on the terms and conditions of your policy and some of these include (but are not limited to):
medical emergencies related to your existing medical conditions which aren’t listed as covered on your certificate of insurance,
planned medical procedures or other non-emergency medical treatments,
routine medical or dental check-ups,
injuries sustained from your participation in sport or leisure activities covered under the Adventure Pack or snow sports unless you’ve purchased additional cover for them, and
your medical expenses once you’ve returned to Australia.
So, it’s important to review your policy and PDS to understand what is and isn't covered while you're overseas and the terms and conditions that apply.
Some countries have a Reciprocal Health Care Agreement (RHCA) with Australia which may provide cover for some medical costs during your stay if you meet the eligibility requirements. Please check with the relevant information sources for more information. In these cases, Fast Cover’s travel insurance policy may not pay for the cost of medical care that is covered by the RHCA. However, Reciprocal Health Care Agreements may not cover every type of medical expense.
If you’re travelling to an overseas destination that doesn’t have a Reciprocal Health Care Agreement with Australia, you may likely be responsible for all your medical expenses if you unexpectedly fall sick or are injured while travelling there. So considering taking out travel insurance for your overseas destination with cover for unexpected overseas emergency medical and hospital expenses may potentially save you thousands of dollars when cover is not available under a RHCA.
Please remember to do your own research regarding this to make an informed decision based on your personal and financial circumstances.
You can apply for cover for your existing medical conditions and any changes in health and/or new medical conditions you may develop before you leave for your overseas trip through a medical screening.
Find out more about what we consider to be a medical condition and how you can apply for cover in our page on travel insurance for existing medical conditions.
Does international travel insurance cover my hospital bills if I get sick overseas?
Regardless of the international travel insurance policy that you choose for your overseas trip, one important benefit we include with all our international policies is the Overseas Emergency Medical and Hospital Expenses benefit. Here’s some important information you need to know about overseas emergency medical and hospital expenses.
This benefit provides reimbursement for unexpected medical emergencies that can happen on your trip overseas, from food poisoning to treatment for a broken bone or emergency surgery for appendicitis depending on your circumstances.
You should be aware that cover isn’t available for all medical expenses as it depends on the terms and conditions of your policy and some of these include (but are not limited to):
medical emergencies related to your existing medical conditions which aren’t listed as covered on your certificate of insurance,
planned medical procedures or other non-emergency medical treatments,
routine medical or dental check-ups,
injuries sustained from your participation in sport or leisure activities covered under the Adventure Pack or snow sports unless you’ve purchased additional cover for them, and
your medical expenses once you’ve returned to Australia.
So, it’s important to review your policy and PDS to understand what is and isn't covered while you're overseas and the terms and conditions that apply.
Some countries have a Reciprocal Health Care Agreement (RHCA) with Australia which may provide cover for some medical costs during your stay if you meet the eligibility requirements. Please check with the relevant information sources for more information. In these cases, Fast Cover’s travel insurance policy may not pay for the cost of medical care that is covered by the RHCA. However, Reciprocal Health Care Agreements may not cover every type of medical expense.
If you’re travelling to an overseas destination that doesn’t have a Reciprocal Health Care Agreement with Australia, you may likely be responsible for all your medical expenses if you unexpectedly fall sick or are injured while travelling there. So considering taking out travel insurance for your overseas destination with cover for unexpected overseas emergency medical and hospital expenses may potentially save you thousands of dollars when cover is not available under a RHCA.
Please remember to do your own research regarding this to make an informed decision based on your personal and financial circumstances.
You can apply for cover for your existing medical conditions and any changes in health and/or new medical conditions you may develop before you leave for your overseas trip through a medical screening.
Find out more about what we consider to be a medical condition and how you can apply for cover in our page on travel insurance for existing medical conditions.
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.*
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.*
If you are travelling frequently, you can get a quote for a Frequent Traveller Saver policy when you take out travel insurance. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. Your accompanying spouse and dependants may also be covered when travelling with you.*
Please note, when travelling within Australia on a Frequent Traveller Saver policy, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. However, if you are travelling on a cruise within Australia, benefits including Overseas 24/7 Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, and Overseas Emergency Medical Evacuation and Repatriation may be available.*
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.*
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.*
Frequent Traveller Saver
If you are travelling frequently, you can get a quote for a Frequent Traveller Saver policy when you take out travel insurance. We can provide cover for an unlimited number of trips in a 12-month period up to a specified number of days each trip. Your accompanying spouse and dependants may also be covered when travelling with you.*
Please note, when travelling within Australia on a Frequent Traveller Saver policy, the domestic portion of your trip will only be covered by policy benefits that apply to domestic travel. However, if you are travelling on a cruise within Australia, benefits including Overseas 24/7 Emergency Medical Assistance, Overseas Emergency Medical and Hospital Expenses, and Overseas Emergency Medical Evacuation and Repatriation may be available.*
Who can get international travel insurance?
Whether you're travelling solo, with your partner or family and friends, every journey and traveller is unique. Fast Cover’s international travel insurance is designed to provide cover for a wide range of Aussie travellers around the world including:
Solo travellers discovering new sights abroad
Couples travelling for their honeymoon or anniversary
Friends celebrating a destination wedding overseas
Families flying overseas to visit family or friends
Aussie backpackers immersed in new cultures
Aussies going overseas on a working holiday
18-35 year-old Aussies going to Canada for the IEC program
Students travelling for study or on their mid-semester break
Business travellers flying overseas for a conference
Seniors enjoying retirement on a cruise
Adventurers ticking off their bucket list
Pregnant travellers going on a babymoon
Who can get international travel insurance?
Whether you're travelling solo, with your partner or family and friends, every journey and traveller is unique. Fast Cover’s international travel insurance is designed to provide cover for a wide range of Aussie travellers around the world including:
Solo travellers discovering new sights abroad
Couples travelling for their honeymoon or anniversary
Friends celebrating a destination wedding overseas
Families flying overseas to visit family or friends
Aussie backpackers immersed in new cultures
Aussies going overseas on a working holiday
18-35 year-old Aussies going to Canada for the IEC program
Students travelling for study or on their mid-semester break
Business travellers flying overseas for a conference
Seniors enjoying retirement on a cruise
Adventurers ticking off their bucket list
Pregnant travellers going on a babymoon
Do I need travel insurance for international travel?
Whether you plan to travel to New Zealand, Thailand or the UK, we understand that unexpected situations and factors outside of your control could change your international travel plans and leave you with out of pocket expenses. Travel insurance for international travel can help better prepare you to deal with unforeseen situations that could impact your travel plans should the unexpected happen. Please consider your personal and financial circumstances and T&Cs of our PDS before you decide to get travel insurance.
Here are some situations which you might consider when deciding if you need international travel insurance for your next trip overseas and whether your policy can provide cover for these situations:
Becoming unexpectedly sick or injured could force you to cancel your trip. Rescheduling a cancelled trip and dealing with lost deposits and non-refundable flights and accommodation can become stressful and expensive. Consider if your international travel insurance can provide cover for trip cancellation expenses.
If you need to cancel your overseas 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 international travel insurance policy can provide cover for trip cancellation expenses if you need to cancel your trip due to your existing medical condition/s.
Bad weather and other covered events could cause delays and mean you might have to spend extra money on food and accommodation while you wait for a new flight. Consider if your international travel insurance can provide cover for travel delay expenses such as additional meals and accommodation.
If your scheduled transport to special events is cancelled, delayed, shortened or diverted, you could risk spending thousands of dollars on additional transport to make it to your special events on time. Worse yet, you could miss out on special events you’ve already booked and paid for. Consider if your international travel insurance can provide cover for special event transport expenses.
Do I need travel insurance for international travel?
Whether you plan to travel to New Zealand, Thailand or the UK, we understand that unexpected situations and factors outside of your control could change your international travel plans and leave you with out of pocket expenses. Travel insurance for international travel can help better prepare you to deal with unforeseen situations that could impact your travel plans should the unexpected happen. Please consider your personal and financial circumstances and T&Cs of our PDS before you decide to get travel insurance.
Here are some situations which you might consider when deciding if you need international travel insurance for your next trip overseas and whether your policy can provide cover for these situations:
Becoming unexpectedly sick or injured could force you to cancel your trip. Rescheduling a cancelled trip and dealing with lost deposits and non-refundable flights and accommodation can become stressful and expensive. Consider if your international travel insurance can provide cover for trip cancellation expenses.
If you need to cancel your overseas 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 international travel insurance policy can provide cover for trip cancellation expenses if you need to cancel your trip due to your existing medical condition/s.
Bad weather and other covered events could cause delays and mean you might have to spend extra money on food and accommodation while you wait for a new flight. Consider if your international travel insurance can provide cover for travel delay expenses such as additional meals and accommodation.
If your scheduled transport to special events is cancelled, delayed, shortened or diverted, you could risk spending thousands of dollars on additional transport to make it to your special events on time. Worse yet, you could miss out on special events you’ve already booked and paid for. Consider if your international travel insurance can provide cover for special event transport expenses.
What is the best international travel insurance?
To get the best international travel insurance for Australian travellers heading overseas various things need to be considered, including whether it is a policy that provides cover for the type of trip that you’re taking. When looking for the best travel insurance for international travel, it’s important to choose a policy that aligns with your specific travel needs. This might include the nature of your trip overseas, who you are travelling with, the types of activities you plan to do and other considerations that apply to you and your trip.
Here are some examples of things you may wish to consider when reviewing the best international travel insurance for your overseas trip:
Have you booked a tour, accommodation or flights for your trip overseas?
You may wish to consider whether the international travel insurance policy includes cancellation cover in case you can’t travel overseas due to an unforeseen circumstance such as an unexpected illness or injury.
Worried your valuable personal items like your phone, camera or laptop might be lost, stolen or damaged while you travel overseas?
You may wish to consider whether the international travel insurance policy includes cover for luggage and personal effects, including any applicable limits, sub-limits and conditions.
Will you be riding or be a passenger on a motorcycle, moped or scooter while overseas?
You may wish to check whether the policy provides cover for injuries resulting from those activities, and what conditions (such as licensing requirements or helmet use) may apply.
Perhaps you’ll be renting a vehicle while overseas?
You may wish to check whether the international travel insurance policy provides cover for the rental vehicle excess component of the rental vehicle insurance with your car hire company overseas in case your rental vehicle is in an accident, damaged or stolen during your trip abroad.
Are you planning to do any adventurous activities while overseas?
You may wish to check whether the international travel insurance policy provides cover for the types of adventure activities you plan to do in your destination. Cover for adventure activities may require an additional cover to be added and may incur an additional premium and may have different age limits to standard terms.
Are you planning a solo adventure, a family trip during the school holidays, or perhaps a romantic getaway to celebrate your anniversary overseas?
You may wish to check whether the international travel insurance policy provides cover for singles, couples and families or groups. Consider how the policy benefits and benefit limits apply to all travellers listed on the Certificate of Insurance.
What is the best international travel insurance?
To get the best international travel insurance for Australian travellers heading overseas various things need to be considered, including whether it is a policy that provides cover for the type of trip that you’re taking. When looking for the best travel insurance for international travel, it’s important to choose a policy that aligns with your specific travel needs. This might include the nature of your trip overseas, who you are travelling with, the types of activities you plan to do and other considerations that apply to you and your trip.
Here are some examples of things you may wish to consider when reviewing the best international travel insurance for your overseas trip:
Have you booked a tour, accommodation or flights for your trip overseas?
You may wish to consider whether the international travel insurance policy includes cancellation cover in case you can’t travel overseas due to an unforeseen circumstance such as an unexpected illness or injury.
Worried your valuable personal items like your phone, camera or laptop might be lost, stolen or damaged while you travel overseas?
You may wish to consider whether the international travel insurance policy includes cover for luggage and personal effects, including any applicable limits, sub-limits and conditions.
Will you be riding or be a passenger on a motorcycle, moped or scooter while overseas?
You may wish to check whether the policy provides cover for injuries resulting from those activities, and what conditions (such as licensing requirements or helmet use) may apply.
Perhaps you’ll be renting a vehicle while overseas?
You may wish to check whether the international travel insurance policy provides cover for the rental vehicle excess component of the rental vehicle insurance with your car hire company overseas in case your rental vehicle is in an accident, damaged or stolen during your trip abroad.
Are you planning to do any adventurous activities while overseas?
You may wish to check whether the international travel insurance policy provides cover for the types of adventure activities you plan to do in your destination. Cover for adventure activities may require an additional cover to be added and may incur an additional premium and may have different age limits to standard terms.
Are you planning a solo adventure, a family trip during the school holidays, or perhaps a romantic getaway to celebrate your anniversary overseas?
You may wish to check whether the international travel insurance policy provides cover for singles, couples and families or groups. Consider how the policy benefits and benefit limits apply to all travellers listed on the Certificate of Insurance.
What is not covered in our international travel insurance?
It’s important to know not just what your international travel insurance covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits 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 become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, this may include riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol.
Remember that possession of certain drugs is illegal and different countries will have different laws. Using drugs or selling them can land you in trouble with the law overseas.
If you’re injured in an accident while, for example, riding a motorcycle, and you didn’t add the Motorcycle Pack to your international 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 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.
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 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 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 international travel insurance after an event is deemed 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 trip overseas has shaped up, your international 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 international travel insurance?
It’s important to know not just what your international travel insurance covers, but also what it doesn’t, so you can choose the right policy for your needs. As with all policies, many situations and activities will have terms, conditions, exclusions, limits and sub limits 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 become injured while breaking the law, there are various conditions and exclusions that may apply which means you may not be covered. For example, this may include riding a motorcycle without the required helmet, or while under the influence of drugs or alcohol.
Remember that possession of certain drugs is illegal and different countries will have different laws. Using drugs or selling them can land you in trouble with the law overseas.
If you’re injured in an accident while, for example, riding a motorcycle, and you didn’t add the Motorcycle Pack to your international 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 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.
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 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 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 international travel insurance after an event is deemed 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 trip overseas has shaped up, your international 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.
Tips for international travel insurance
Discover useful travel insurance tips from travel insurance expert, Fast Cover’s CEO Dean Van Es.
Choose a travel insurance provider with emergency assistance support
“Our job is to get you back to Australia, to your family, safe and sound as soon as possible. Firstly, to get you healthy and stable, and then to get you home as soon as possible and there’s a whole team that works behind the scenes to do that.”
Travel insurance isn’t just about money, it’s about having a reliable team with real emergency support and a trusted network of hospitals and doctors to help in a crisis. Fast Cover’s Aussie based Emergency Assistance team is available 24/7.
When things get serious, you need the right help
“If you get injured, you need help, and you need it quick. You need the right help and someone like us to guide you through that.”
"Which hospital are you going to go to in Bangladesh? That’s a really good question. We know."
In a foreign country, it’s hard to know who to call, where to go, or who to trust. With Fast Cover’s International travel insurance policies, you get access to experienced teams who can guide you to the right care quickly. When you're injured overseas, speed and local knowledge can make all the difference.
Choose a travel insurance provider who cares
"We have values, the first one is help first, that’s why we exist, and it all flows from there.”
Buying travel insurance should never be about just ticking a box. From your first quote to your final claim, Fast Cover focuses on making your experience smooth, supportive, and human. It's not just what’s covered, it’s how you're looked after when things go wrong.

Tips for international travel insurance
Discover useful travel insurance tips from travel insurance expert, Fast Cover’s CEO Dean Van Es.
Choose a travel insurance provider with emergency assistance support
“Our job is to get you back to Australia, to your family, safe and sound as soon as possible. Firstly, to get you healthy and stable, and then to get you home as soon as possible and there’s a whole team that works behind the scenes to do that.”
Travel insurance isn’t just about money, it’s about having a reliable team with real emergency support and a trusted network of hospitals and doctors to help in a crisis. Fast Cover’s Aussie based Emergency Assistance team is available 24/7.
When things get serious, you need the right help
“If you get injured, you need help, and you need it quick. You need the right help and someone like us to guide you through that.”
"Which hospital are you going to go to in Bangladesh? That’s a really good question. We know."
In a foreign country, it’s hard to know who to call, where to go, or who to trust. With Fast Cover’s International travel insurance policies, you get access to experienced teams who can guide you to the right care quickly. When you're injured overseas, speed and local knowledge can make all the difference.
Choose a travel insurance provider who cares
"We have values, the first one is help first, that’s why we exist, and it all flows from there.”
Buying travel insurance should never be about just ticking a box. From your first quote to your final claim, Fast Cover focuses on making your experience smooth, supportive, and human. It's not just what’s covered, it’s how you're looked after when things go wrong.

How do I choose my travel destination?
Enter the country or countries that you're planning on travelling to into the quote box. Alternatively, you can choose one of our 6 regions: Worldwide, Europe, Asia, South Pacific, New Zealand or Australia (domestic). Check the table below to find the appropriate region for your trip. If you're going to be visiting many different countries, or haven't finalised your itinerary, you can also select the region that you want to be covered for.
Region | Popular Destinations for this region | Automatically includes cover for these regions |
|---|---|---|
Worldwide | North, Central & South America | Australia |
Europe | UK | Australia |
Asia | Bali | Australia |
South Pacific | Fiji | Australia |
New Zealand | New Zealand | Australia |
Australia | Thursday Island |
If you need to add other countries after you've bought your policy, contact us to add it to your policy for you. Depending on the country or countries you want to add, you may not need to pay an extra charge!*
Find out more information on how to choose your travel destination, including the countries that we can't provide cover for, in our travel insurance guide on selecting countries or regions for your policy.
How do I choose my travel destination?
Enter the country or countries that you're planning on travelling to into the quote box. Alternatively, you can choose one of our 6 regions: Worldwide, Europe, Asia, South Pacific, New Zealand or Australia (domestic). Check the table below to find the appropriate region for your trip. If you're going to be visiting many different countries, or haven't finalised your itinerary, you can also select the region that you want to be covered for.
Region | Popular Destinations for this region | Automatically includes cover for these regions |
|---|---|---|
Worldwide | North, Central & South America | Australia |
Europe | UK | Australia |
Asia | Bali | Australia |
South Pacific | Fiji | Australia |
New Zealand | New Zealand | Australia |
Australia | Thursday Island |
If you need to add other countries after you've bought your policy, contact us to add it to your policy for you. Depending on the country or countries you want to add, you may not need to pay an extra charge!*
Find out more information on how to choose your travel destination, including the countries that we can't provide cover for, in our travel insurance guide on selecting countries or regions for your policy.










