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Travel insurance

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International travel insurance

International travel insurance

Go with international travel insurance

Adventuring in South America
Skiing in Japan
Riding a scooter in Bali (Motorcycle Pack required)

Go with international travel insurance

Adventuring in South America
Skiing in Japan
Riding a scooter in Bali (Motorcycle Pack required)

See why over a million chose us

Multi award-winning cover†

Recognised for value

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

Rated by thousands†

on Product Review

4.7 Rated

Aussie owned & operated

Feel local support

Fast Cover Australian Based Team

See why over a million chose us

Multi award-winning cover†

Recognised for value

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

on Product Review

4.7 Rated
Aussie owned & operated

Feel local support

Fast Cover Australian Based Team

What customers are saying‡

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

Annie

May, 2025

It was great, efficient, clear and easy

Gabrielle

May, 2025

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

Mark

July 2026

Fast cover were very informative of what each package included.

Maddie

May, 2025

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

Adem

May, 2025

What customers are saying‡

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

Annie

May, 2025

It was great, efficient, clear and easy

Gabrielle

May, 2025

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

Mark

July 2026

Fast cover were very informative of what each package included.

Maddie

May, 2025

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

Adem

May, 2025

Top 3 things to know

What it covers

Optional extras

Compare benefits

Top 3 things to know

What it covers

Optional extras

Compare benefits

Learn more about international travel insurance for your overseas trip

Updated on

15 July 2026

Learn more about international travel insurance for your overseas trip

Updated on

15 July 2026

Dean Van Es CEO of Fast Cover

Written by

Kanika COO at Fast Cover

Reviewed by

Fact checked

Dean Van Es CEO of Fast Cover

Written by

Kanika COO at Fast Cover

Reviewed by

Fact checked

No h2 headings found in #content

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.*

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.*

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:

  1. Set Travel Dates: Tell us the travel dates you would like to be covered for.

  2. Select Who Needs Cover: Are you travelling solo, with a companion or with your family? Add all travellers to your policy.

  3. 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.

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:

  1. Set Travel Dates: Tell us the travel dates you would like to be covered for.

  2. Select Who Needs Cover: Are you travelling solo, with a companion or with your family? Add all travellers to your policy.

  3. 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.

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.

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.

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

Standard Saver

Basics (medical only)

Snow Sports Plus

Frequent Traveller Saver

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.

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

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.

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

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.

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

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.

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

If you 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.

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.

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.

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.

Compare international travel insurance benefits

Depending on the level of cover you take out with our international travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected medical and financial circumstances. Compare our international travel insurance policies below.

Benefits
Basics
Standard Saver
Comprehensive
Important information

The table below is only a summary of benefits.

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

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

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

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

3 These benefit limits are shared between Duo policy holders.

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

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

Compare international travel insurance benefits

Depending on the level of cover you take out with our international travel insurance policy, Fast Cover can provide you with different benefits to suit your travel plans, helping you to better prepare for and deal with unexpected medical and financial circumstances. Compare our international travel insurance policies below.

Basics
Standard Saver
Important information

The table below is only a summary of benefits.

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

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

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

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

3 These benefit limits are shared between Duo policy holders.

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

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

Ready for your next overseas trip?

Ready for your next overseas trip?

Where are you travelling to next?

From a relaxing week in Southeast Asia to a month backpacking across Europe, discover travel insurance for your next overseas destination.

Where are you travelling to next?

From a relaxing week in Southeast Asia to a month backpacking across Europe, discover travel insurance for your next overseas destination.

Got a question?

How much does international travel insurance cost?

When should I buy travel insurance for international travel?

How long before my departure can I buy a travel insurance policy?

Does international travel insurance cover natural disasters?

Can kids be covered under my policy?

How do I choose travel insurance?

Got a question?

How much does international travel insurance cost?

When should I buy travel insurance for international travel?

How long before my departure can I buy a travel insurance policy?

Does international travel insurance cover natural disasters?

Can kids be covered under my policy?

How do I choose travel insurance?

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

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Coverholder at

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

Coverholder at

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

Coverholder at

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