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Medical only travel insurance

Medical only travel insurance

Go overseas with Medical only travel insurance

Go overseas with Medical only travel insurance

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 medical only travel insurance for your overseas trip

Updated on

15 July 2026

Learn more about medical only travel insurance for your overseas trip

Updated on

15 July 2026

Tatjana Growth Manager at Fast Cover

Written by

Fact checked

Tatjana Growth Manager at Fast Cover

Written by

Fact checked

No h2 headings found in #content

Medical care overseas can be costly, and in some destinations, even a short hospital visit can result in large bills. With Fast Cover’s medical only travel insurance, you may be covered for overseas emergency medical and hospital expenses if you become unexpectedly ill or injured while on your trip.*

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

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

Our Basics policy with medical only travel insurance is available to provide cover for the reasonable additional accommodation and travel expenses, cost of medical transfer, evacuation or repatriation when these services are approved under your policy. All medical evacuations and repatriations must be arranged and approved by Fast Cover before they take place.*

Even the most confident and well-prepared travellers can face unexpected medical emergencies overseas. With our Basics travel insurance, you’ll have access to our Australian-based Emergency Assistance team, available 24/7, to guide and support you.*

Fast Cover’s Basics travel insurance is designed to provide round-the-clock support when unexpected illness or injury occurs. Our 24/7 Emergency Assistance team may be able to help you with:

  • Locating and arranging overseas medical treatment or hospital admission

  • Coordinating emergency medical evacuation or repatriation if required and approved under your policy

  • Guidance on accessing local medical support services during your trip*

Sudden dental pain or an accidental tooth injury can quickly disrupt your trip. Fast Cover’s medical only travel insurance may cover some of the cost of emergency dental treatment if you suffer acute pain or damage to your sound and natural teeth while overseas.*

Medical care overseas can be costly, and in some destinations, even a short hospital visit can result in large bills. With Fast Cover’s medical only travel insurance, you may be covered for overseas emergency medical and hospital expenses if you become unexpectedly ill or injured while on your trip.*

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

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

Our Basics policy with medical only travel insurance is available to provide cover for the reasonable additional accommodation and travel expenses, cost of medical transfer, evacuation or repatriation when these services are approved under your policy. All medical evacuations and repatriations must be arranged and approved by Fast Cover before they take place.*

Even the most confident and well-prepared travellers can face unexpected medical emergencies overseas. With our Basics travel insurance, you’ll have access to our Australian-based Emergency Assistance team, available 24/7, to guide and support you.*

Fast Cover’s Basics travel insurance is designed to provide round-the-clock support when unexpected illness or injury occurs. Our 24/7 Emergency Assistance team may be able to help you with:

  • Locating and arranging overseas medical treatment or hospital admission

  • Coordinating emergency medical evacuation or repatriation if required and approved under your policy

  • Guidance on accessing local medical support services during your trip*

Sudden dental pain or an accidental tooth injury can quickly disrupt your trip. Fast Cover’s medical only travel insurance may cover some of the cost of emergency dental treatment if you suffer acute pain or damage to your sound and natural teeth while overseas.*

Lost, stolen, or damaged luggage can quickly turn a dream overseas holiday into a traveller’s nightmare. That’s why Fast Cover makes it easy to add cover for the loss, theft, or accidental damage of your luggage and personal items in situations covered under your policy for an additional cost.*

You can be covered for up to $2,000 for items such as:

  • phone

  • camera

  • or laptop.

If you need a higher level of cover, or if you wish to add cover for your high value items, you can upgrade your policy to increase your benefit limits. Limits, sub-limits, and conditions apply to how much you can claim and when cover is provided.*

For more details visit our page on travel insurance for luggage and personal effects and read our PDS on terms and conditions of cover for luggage and personal effects.

Exploring a city or taking a scenic route on two wheels can be one of the most exciting ways to travel abroad. With Fast Cover’s Motorcycle Pack, you can add optional cover that may apply when you’re riding or travelling as a passenger on a:

  • Motorcycle

  • Moped

  • Scooter.*

The Motorcycle Pack is available for an additional premium to Aussie travellers aged 74 years and under at the date of policy issue, provided they have purchased 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.

If your holiday includes skiing, snowboarding, or other snow sports, it’s important to understand that these activities are not covered under our Basics policy with medical only travel insurance. If you’re planning to ski or snowboard overseas, answer yes to ‘Will you be doing any snowsports?’ during your quote application. This gives you the option to purchase a “Snow Sports Plus” policy which can provide cover for medical expenses as well as costs associated with covered snow sports.^

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

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

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

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

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

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

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

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

The Basics policy automatically provides cover for a range of sports and leisure activities, such as bungee jumping, snorkelling, and golf. However, if you plan to take part in adventure activities you’ll need to take out the Adventure Pack add-on, which is not available under the Basics policy.

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.

To be covered for these types of activities, consider upgrading your policy to a higher level of cover. 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.

If your travel plans include cruising, you can choose to add cruise cover to your Basics travel insurance policy for additional cover in case of unexpected emergencies on-board the cruise ship and during onshore excursions where no support or reimbursement is provided by the cruise company for these emergencies.*

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

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

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

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

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

If you’re planning to explore overseas at your own pace, whether it’s a road trip in a hire car or touring a new country in a rental campervan, you may want cover for the rental vehicle insurance excess charged by your car hire company. 

This cover isn’t available under the Basics policy, but you can choose one of our other policies that includes it, such as Comprehensive, Standard Saver, Frequent Traveller Saver or Snow Sports Plus. 

Fast Cover provides Rental Vehicle Insurance Excess as an optional add-on. This may help if your rental vehicle is accidentally damaged or stolen during your trip. Depending on the policy you choose, you can add cover for up to $8,000 towards the rental vehicle excess charged by your car hire company overseas.*

Lost, stolen, or damaged luggage can quickly turn a dream overseas holiday into a traveller’s nightmare. That’s why Fast Cover makes it easy to add cover for the loss, theft, or accidental damage of your luggage and personal items in situations covered under your policy for an additional cost.*

You can be covered for up to $2,000 for items such as:

  • phone

  • camera

  • or laptop.

If you need a higher level of cover, or if you wish to add cover for your high value items, you can upgrade your policy to increase your benefit limits. Limits, sub-limits, and conditions apply to how much you can claim and when cover is provided.*

For more details visit our page on travel insurance for luggage and personal effects and read our PDS on terms and conditions of cover for luggage and personal effects.

Exploring a city or taking a scenic route on two wheels can be one of the most exciting ways to travel abroad. With Fast Cover’s Motorcycle Pack, you can add optional cover that may apply when you’re riding or travelling as a passenger on a:

  • Motorcycle

  • Moped

  • Scooter.*

The Motorcycle Pack is available for an additional premium to Aussie travellers aged 74 years and under at the date of policy issue, provided they have purchased 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.

If your holiday includes skiing, snowboarding, or other snow sports, it’s important to understand that these activities are not covered under our Basics policy with medical only travel insurance. If you’re planning to ski or snowboard overseas, answer yes to ‘Will you be doing any snowsports?’ during your quote application. This gives you the option to purchase a “Snow Sports Plus” policy which can provide cover for medical expenses as well as costs associated with covered snow sports.^

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

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

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

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

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

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

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

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

The Basics policy automatically provides cover for a range of sports and leisure activities, such as bungee jumping, snorkelling, and golf. However, if you plan to take part in adventure activities you’ll need to take out the Adventure Pack add-on, which is not available under the Basics policy.

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.

To be covered for these types of activities, consider upgrading your policy to a higher level of cover. 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.

If your travel plans include cruising, you can choose to add cruise cover to your Basics travel insurance policy for additional cover in case of unexpected emergencies on-board the cruise ship and during onshore excursions where no support or reimbursement is provided by the cruise company for these emergencies.*

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

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

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

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

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

If you’re planning to explore overseas at your own pace, whether it’s a road trip in a hire car or touring a new country in a rental campervan, you may want cover for the rental vehicle insurance excess charged by your car hire company. 

This cover isn’t available under the Basics policy, but you can choose one of our other policies that includes it, such as Comprehensive, Standard Saver, Frequent Traveller Saver or Snow Sports Plus. 

Fast Cover provides Rental Vehicle Insurance Excess as an optional add-on. This may help if your rental vehicle is accidentally damaged or stolen during your trip. Depending on the policy you choose, you can add cover for up to $8,000 towards the rental vehicle excess charged by your car hire company overseas.*

When you purchase our Basics travel insurance policy, you’ll receive a Certificate of Insurance confirming the details of your policy. You’ll also be provided with the Product Disclosure Statement, which explains the full terms and conditions, including benefit limits, sub-limits, and exclusions. Your cover begins from the start date you choose and continues for the length of your trip while you are overseas, as listed on your Certificate of Insurance.

When buying medical only travel insurance, it’s important to tell us about any existing medical conditions. You can apply for cover for your current conditions, as well as for any new conditions or changes in health that occur before your trip, by completing a medical screening. To find out more about what counts as a medical condition and how to apply for cover, take a look at our dedicated page on travel insurance for existing medical conditions.

Illnesses and injuries can happen when you least expect them, from food poisoning to a broken bone or even emergency surgery. With Fast Cover’s Basics policy with medical only travel insurance, you may be able to claim for overseas emergency medical and hospital expenses in circumstances covered under your policy.*

You should be aware that cover isn’t available for all medical expenses as it depends on the terms and conditions of your policy. Some examples of medical expenses where cover isn’t available, 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

  • 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 countries, your travel insurance medical cover may not apply to expenses already covered under the RHCA.

However, RHCA benefits are limited and won’t cover every type of medical treatment. That’s why many travellers might still choose basic travel insurance with medical only cover for added protection, helping to cover unexpected overseas medical and hospital expenses that may not fall under a reciprocal agreement.

If you’re visiting a country that does not have a Reciprocal Health Care Agreement with Australia, you will usually be responsible for all your own medical costs if something happens. In these cases, having travel insurance with medical cover could help protect you from potentially very high overseas medical bills. Always check the official information on RHCA for your destination and consider your own financial and personal circumstances when deciding on cover.

If you need to make a claim, you might be asked to provide details of what happened along with supporting documents such as medical reports, hospital invoices or receipts. The claims team will then review your claim against the terms of your policy and let you know the outcome. This process ensures that your claim is being assessed consistently and in line with the cover you purchased.

When you purchase our Basics travel insurance policy, you’ll receive a Certificate of Insurance confirming the details of your policy. You’ll also be provided with the Product Disclosure Statement, which explains the full terms and conditions, including benefit limits, sub-limits, and exclusions. Your cover begins from the start date you choose and continues for the length of your trip while you are overseas, as listed on your Certificate of Insurance.

When buying medical only travel insurance, it’s important to tell us about any existing medical conditions. You can apply for cover for your current conditions, as well as for any new conditions or changes in health that occur before your trip, by completing a medical screening. To find out more about what counts as a medical condition and how to apply for cover, take a look at our dedicated page on travel insurance for existing medical conditions.

Illnesses and injuries can happen when you least expect them, from food poisoning to a broken bone or even emergency surgery. With Fast Cover’s Basics policy with medical only travel insurance, you may be able to claim for overseas emergency medical and hospital expenses in circumstances covered under your policy.*

You should be aware that cover isn’t available for all medical expenses as it depends on the terms and conditions of your policy. Some examples of medical expenses where cover isn’t available, 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

  • 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 countries, your travel insurance medical cover may not apply to expenses already covered under the RHCA.

However, RHCA benefits are limited and won’t cover every type of medical treatment. That’s why many travellers might still choose basic travel insurance with medical only cover for added protection, helping to cover unexpected overseas medical and hospital expenses that may not fall under a reciprocal agreement.

If you’re visiting a country that does not have a Reciprocal Health Care Agreement with Australia, you will usually be responsible for all your own medical costs if something happens. In these cases, having travel insurance with medical cover could help protect you from potentially very high overseas medical bills. Always check the official information on RHCA for your destination and consider your own financial and personal circumstances when deciding on cover.

If you need to make a claim, you might be asked to provide details of what happened along with supporting documents such as medical reports, hospital invoices or receipts. The claims team will then review your claim against the terms of your policy and let you know the outcome. This process ensures that your claim is being assessed consistently and in line with the cover you purchased.

Please keep in mind that some existing medical conditions may require you to pay an additional cost for them to be included under your cover. You have the choice to either pay for this additional cost or not. If you choose to pay, the condition will be added to your policy and shown on your Certificate of Insurance. If you choose not to pay, that condition will not be covered.

If your health changes after purchasing your policy but before you travel, you will need to contact Fast Cover for a medical re-screening. This process may adjust your premium and will determine whether your condition can continue to be covered.

Please keep in mind that some existing medical conditions may require you to pay an additional cost for them to be included under your cover. You have the choice to either pay for this additional cost or not. If you choose to pay, the condition will be added to your policy and shown on your Certificate of Insurance. If you choose not to pay, that condition will not be covered.

If your health changes after purchasing your policy but before you travel, you will need to contact Fast Cover for a medical re-screening. This process may adjust your premium and will determine whether your condition can continue to be covered.

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.

Some countries have much higher medical costs than others. For example, the United States is one of the most expensive places in the world for healthcare, so policies for travelling to the US are usually more expensive than for trips to nearby destinations like Bali or Thailand.

Longer trips usually increase the premium, because the longer you’re away, the higher the chance of something unexpected happening overseas like a medical emergency.

As age increases, so does the likelihood of experiencing a medical emergency or needing medical treatment while overseas. That’s why your age may impact the cost of your medical only policy.

Some existing medical conditions may require you to pay an additional cost for it to be covered under your policy which may affect your premium.

While the Basics policy focuses on medical cover, you can choose to add optional extras such as cover for luggage and personal effects or the Motorcycle Pack for an additional premium. Adding these options will increase the cost of your Basics policy.

Some countries have much higher medical costs than others. For example, the United States is one of the most expensive places in the world for healthcare, so policies for travelling to the US are usually more expensive than for trips to nearby destinations like Bali or Thailand.

Longer trips usually increase the premium, because the longer you’re away, the higher the chance of something unexpected happening overseas like a medical emergency.

As age increases, so does the likelihood of experiencing a medical emergency or needing medical treatment while overseas. That’s why your age may impact the cost of your medical only policy.

Some existing medical conditions may require you to pay an additional cost for it to be covered under your policy which may affect your premium.

While the Basics policy focuses on medical cover, you can choose to add optional extras such as cover for luggage and personal effects or the Motorcycle Pack for an additional premium. Adding these options will increase the cost of your Basics policy.

One of the biggest concerns for travellers is what would happen if they became unexpectedly ill or injured overseas. Medical and hospital expenses can be very expensive, and in some countries, even basic care requires upfront payment. Medical only travel insurance is designed to cover reasonable overseas medical and hospital expenses, and in some cases emergency medical evacuation or repatriation if approved under your policy.

If your main concern is how you would manage unexpected healthcare costs abroad, depending on your situation, medical only travel insurance may provide cover specifically for this. Always check your Certificate of Insurance and the Product Disclosure Statement (PDS) to understand exactly what is and isn’t included.*

If you’re heading on a trip with just a backpack or essentials, protecting your belongings may not be your top concern. Medical only travel insurance keeps your cover simple, focusing on medical expenses without including cover for luggage. However, if you decide that you’d like cover for your luggage, Fast Cover allows you to add cover for your luggage and personal effects for an additional cost.*

Some travellers such as seniors and students, or those on a budget may find Comprehensive travel insurance more costly than they expected, especially if they don’t feel they need all of the benefits. By excluding benefits such as trip cancellation and trip disruption, a basic travel insurance policy with medical only cover may be more affordable while still providing cover for overseas medical expenses, which can be the most expensive part of travel.*

It’s common for Australians to wonder whether travel insurance will cover their health conditions while travelling overseas. Not having clarity can be stressful. With Fast Cover, you can apply for cover for existing medical conditions through a medical screening. In some cases, there may be an additional cost if you want your condition covered under your policy. This process helps ensure you know exactly what you’re covered for before you travel. Check if your medical only travel insurance can provide cover for your existing medical conditions.

Travelling overseas also brings the possibility of accidents that affect others. If you unintentionally cause injury to another person or damage someone else’s property, you may be held legally responsible. Some medical travel insurance policies include personal liability cover, which can help with some legal costs or compensation payments depending on the situation. This type of cover doesn’t apply in every case, so it’s important to read the PDS to understand the limits, sub-limits, and exclusions that apply to your policy.

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

One of the biggest concerns for travellers is what would happen if they became unexpectedly ill or injured overseas. Medical and hospital expenses can be very expensive, and in some countries, even basic care requires upfront payment. Medical only travel insurance is designed to cover reasonable overseas medical and hospital expenses, and in some cases emergency medical evacuation or repatriation if approved under your policy.

If your main concern is how you would manage unexpected healthcare costs abroad, depending on your situation, medical only travel insurance may provide cover specifically for this. Always check your Certificate of Insurance and the Product Disclosure Statement (PDS) to understand exactly what is and isn’t included.*

If you’re heading on a trip with just a backpack or essentials, protecting your belongings may not be your top concern. Medical only travel insurance keeps your cover simple, focusing on medical expenses without including cover for luggage. However, if you decide that you’d like cover for your luggage, Fast Cover allows you to add cover for your luggage and personal effects for an additional cost.*

Some travellers such as seniors and students, or those on a budget may find Comprehensive travel insurance more costly than they expected, especially if they don’t feel they need all of the benefits. By excluding benefits such as trip cancellation and trip disruption, a basic travel insurance policy with medical only cover may be more affordable while still providing cover for overseas medical expenses, which can be the most expensive part of travel.*

It’s common for Australians to wonder whether travel insurance will cover their health conditions while travelling overseas. Not having clarity can be stressful. With Fast Cover, you can apply for cover for existing medical conditions through a medical screening. In some cases, there may be an additional cost if you want your condition covered under your policy. This process helps ensure you know exactly what you’re covered for before you travel. Check if your medical only travel insurance can provide cover for your existing medical conditions.

Travelling overseas also brings the possibility of accidents that affect others. If you unintentionally cause injury to another person or damage someone else’s property, you may be held legally responsible. Some medical travel insurance policies include personal liability cover, which can help with some legal costs or compensation payments depending on the situation. This type of cover doesn’t apply in every case, so it’s important to read the PDS to understand the limits, sub-limits, and exclusions that apply to your policy.

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

What if you get sick or injured overseas and require medical assistance? Medical costs overseas can be much higher than at home, and even a short hospital stay may become expensive. Medical only travel insurance can include cover for medical expenses and emergency medical evacuation if required and approved.

Looking at how medical cover applies to your trip can help you compare policies and decide whether basic travel insurance is the right level of cover for your destination and plans.

Even if your main focus is on medical cover, you may later decide that you’d like cover for your luggage, or activities such as motorcycle riding. Some insurers allow you to add these extras for an additional premium.

When comparing the “best” medical only travel insurance, think about whether you want the option to customise your policy.

In some cases, natural disasters such as earthquakes, floods, or volcanic eruptions may create serious medical emergencies. Not all medical only travel insurance policies provide cover in these situations.

With Fast Cover’s Basics policy with medical only travel insurance, you may have cover for overseas medical and hospital expenses if you are injured or become ill as a direct result of an unexpected natural disaster while travelling.*

Looking closely at how a policy treats natural disasters can give you a clearer picture of whether it meets the needs of your trip.

Whether you’re travelling solo, heading away with your partner, or organising a family holiday, it’s important to check how cover applies to everyone listed on your Certificate of Insurance. A medical only travel insurance policy may apply benefits and limits differently depending on whether you’re a single traveller, couple, or family.

Are you planning to do any adventurous activities while overseas?

You may wish to check whether your basic 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.

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.

What if you get sick or injured overseas and require medical assistance? Medical costs overseas can be much higher than at home, and even a short hospital stay may become expensive. Medical only travel insurance can include cover for medical expenses and emergency medical evacuation if required and approved.

Looking at how medical cover applies to your trip can help you compare policies and decide whether basic travel insurance is the right level of cover for your destination and plans.

Even if your main focus is on medical cover, you may later decide that you’d like cover for your luggage, or activities such as motorcycle riding. Some insurers allow you to add these extras for an additional premium.

When comparing the “best” medical only travel insurance, think about whether you want the option to customise your policy.

In some cases, natural disasters such as earthquakes, floods, or volcanic eruptions may create serious medical emergencies. Not all medical only travel insurance policies provide cover in these situations.

With Fast Cover’s Basics policy with medical only travel insurance, you may have cover for overseas medical and hospital expenses if you are injured or become ill as a direct result of an unexpected natural disaster while travelling.*

Looking closely at how a policy treats natural disasters can give you a clearer picture of whether it meets the needs of your trip.

Whether you’re travelling solo, heading away with your partner, or organising a family holiday, it’s important to check how cover applies to everyone listed on your Certificate of Insurance. A medical only travel insurance policy may apply benefits and limits differently depending on whether you’re a single traveller, couple, or family.

Are you planning to do any adventurous activities while overseas?

You may wish to check whether your basic 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.

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.

Fast Cover’s travel insurance policies are designed to cover unexpected overseas emergency medical situations such as overseas emergency medical and hospital expenses, emergency overseas dental, and overseas emergency medical evacuation and repatriation.

None of our policies provide cover for non-emergency or elective medical care, including planned medical procedures, cosmetic treatments, routine check-ups, or ongoing treatment for conditions that existed before you left Australia, or any complications or other claims arising from such procedures or treatment.

Unlike our Standard Saver and Comprehensive policies, our Basics policy provides medical only travel insurance and does not include cover for trip cancellation expenses, trip disruption expenses, or travel delay expenses. If you would like cover for prepaid trip bookings, cancellations, or travel interruptions, consider upgrading your policy to a different level of cover.

If you’re injured while taking part in activities not automatically covered by your policy, such as extreme adventure sports or riding a motorcycle without the appropriate add-on, your medical travel insurance coverage may not apply. If you’re injured in an accident while, for example, riding a motorcycle, and you didn’t add the Motorcycle Pack to your Basics 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. Always check the PDS to understand which activities are included and which require additional cover.

The Basics policy does not automatically include luggage or personal effects cover. Even if you add this optional extra, you may not be covered if belongings are left unattended in public areas, for example, leaving your bag on the beach while swimming.

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.

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.

Certain large-scale events, such as natural disasters or disease outbreaks, may be declared as known events. If you purchase your policy after a known event has been announced, your Basics policy with medical only travel insurance will not cover overseas medical or hospital expenses related to that event. For example, if there is a declared outbreak of a particular illness before you buy your policy, treatment for that illness during your trip will not be included.

Always check the latest Travel Alerts and updates on the Smartraveller website before purchasing a policy, so you understand how a known event could affect your international travel medical insurance.

Fast Cover’s travel insurance policies are designed to cover unexpected overseas emergency medical situations such as overseas emergency medical and hospital expenses, emergency overseas dental, and overseas emergency medical evacuation and repatriation.

None of our policies provide cover for non-emergency or elective medical care, including planned medical procedures, cosmetic treatments, routine check-ups, or ongoing treatment for conditions that existed before you left Australia, or any complications or other claims arising from such procedures or treatment.

Unlike our Standard Saver and Comprehensive policies, our Basics policy provides medical only travel insurance and does not include cover for trip cancellation expenses, trip disruption expenses, or travel delay expenses. If you would like cover for prepaid trip bookings, cancellations, or travel interruptions, consider upgrading your policy to a different level of cover.

If you’re injured while taking part in activities not automatically covered by your policy, such as extreme adventure sports or riding a motorcycle without the appropriate add-on, your medical travel insurance coverage may not apply. If you’re injured in an accident while, for example, riding a motorcycle, and you didn’t add the Motorcycle Pack to your Basics 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. Always check the PDS to understand which activities are included and which require additional cover.

The Basics policy does not automatically include luggage or personal effects cover. Even if you add this optional extra, you may not be covered if belongings are left unattended in public areas, for example, leaving your bag on the beach while swimming.

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.

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.

Certain large-scale events, such as natural disasters or disease outbreaks, may be declared as known events. If you purchase your policy after a known event has been announced, your Basics policy with medical only travel insurance will not cover overseas medical or hospital expenses related to that event. For example, if there is a declared outbreak of a particular illness before you buy your policy, treatment for that illness during your trip will not be included.

Always check the latest Travel Alerts and updates on the Smartraveller website before purchasing a policy, so you understand how a known event could affect your international travel medical insurance.

Compare medical only travel insurance benefits

The benefits you receive from your travel insurance will depend on the level of cover you choose. At Fast Cover, our Basics travel insurance policy focuses on medical only cover. Comparing different levels of travel insurance benefits can help you decide whether a medical only travel insurance policy suits your trip or if a higher level of cover is a better fit for your plans. Compare the benefits included in our Basics, Standard Saver, and Comprehensive 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 medical only travel insurance benefits

The benefits you receive from your travel insurance will depend on the level of cover you choose. At Fast Cover, our Basics travel insurance policy focuses on medical only cover. Comparing different levels of travel insurance benefits can help you decide whether a medical only travel insurance policy suits your trip or if a higher level of cover is a better fit for your plans. Compare the benefits included in our Basics, Standard Saver, and Comprehensive 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

Need international travel insurance with medical only cover?

Need international travel insurance with medical only cover?

Where is your next destination?

Medical costs and access to care vary worldwide, so our Basics travel insurance policy is designed to help protect what matters most – your health.*

Where is your next destination?

Medical costs and access to care vary worldwide, so our Basics travel insurance policy is designed to help protect what matters most – your health.*

Got a question?

What is the Basics policy and what does it cover?

Does the Basics policy cover for sports?

Is the Basics travel insurance policy available for domestic and international trips?

Do I have a medical condition for travel insurance purposes?

Is medical only travel insurance enough for international trips?

Is medical only cover suitable for seniors?

Is medical only travel insurance cheaper than comprehensive travel insurance?

Does medical only travel insurance cover cancellation?

Can I upgrade from Basics to Comprehensive later?

Can I get a medical only policy for my domestic cruise?

Got a question?

What is the Basics policy and what does it cover?

Does the Basics policy cover for sports?

Is the Basics travel insurance policy available for domestic and international trips?

Do I have a medical condition for travel insurance purposes?

Is medical only travel insurance enough for international trips?

Is medical only cover suitable for seniors?

Is medical only travel insurance cheaper than comprehensive travel insurance?

Does medical only travel insurance cover cancellation?

Can I upgrade from Basics to Comprehensive later?

Can I get a medical only policy for my domestic cruise?

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.