Fast Cover Travel Insurance

Fast Cover

For fast and flexible travel insurance look no further than Fast Cover travel insurance! Read on to find a speedy travel insurance policy to suit your next overseas holiday.

About Fast Cover

An Australian based travel insurance provider, Fast Cover travel insurance policies are underwritten by Allianz Global Assistance, so your cover is provided by a company who has helped over 250 million Australians around the world every year. They operate in 28 countries, with specialist medical emergency assistance at the core of their policies.

Rates and fees verified as correct at 06 December, 2016. Other information correct at the time of writing.

Fast Cover travel insurance policies

At Fast Cover you can find travel insurance policies ranging from multi-trip, comprehensive policies complete with snow cover, to a bare bones cancellation and luggage policy if you just need a little extra peace of mind. Fast Cover also offer a domestic travel insurance option, but here at Mozo, we only compare international travel insurance policy options. You can learn more about these travel insurance policies in our handy table below:

  • Events

  • Limits shown apply

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health problems

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Medical Only

    • Per person

    • Unlimited ($40,000 for 80 years old or older)

    • Unlimited ($40,000 for 80 years old or older)

    • 200

    • Events
    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Medical Only including Cruise

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Standard

    • Per person

    • Unlimited ($40,000 for 80 years old or older)

    • Unlimited ($40,000 for 80 years old or older)

    • 200

    • Unlimited ($40,000 for 80 years old or older)

    • Events
    • $5,000

    • $30,000

    • $30,000

    • $3,000

    • $2,500

    • $2,000

    • $2,000

    • $2,000

    • Optional extra

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Comprehensive

    • Per person

    • Unlimited ($40,000 for 80 years old or older)

    • Unlimited ($40,000 for 80 years old or older)

    • 200

    • Unlimited ($40,000 for 80 years old or older)

    • Events
    • $7,500

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • Optional extra

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Comprehensive including Snow

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $7,500

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • Optional extra

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Standard including Cruise

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $5,000

    • $30,000

    • $30,000

    • $3,000

    • $2,500

    • $2,000

    • $2,000

    • $2,000

    • Optional extra

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Comprehensive including Cruise

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $7,500

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • Optional extra

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Comprehensive including Cruise and Snow

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $7,500

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • Optional extra

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Multi Trip (15 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $7,500

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • Optional extra

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Multi Trip (25 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $7,500

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • Optional extra

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Multi Trip (40 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $7,500

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • Optional extra

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Multi Trip (63 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $7,500

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • Optional extra

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
  • Events

  • Limits shown apply

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health problems

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Medical Only

    • Per person

    • Unlimited ($40,000 for 80 years old or older)

    • Unlimited ($40,000 for 80 years old or older)

    • 200

    • Events
    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Medical Only including Cruise

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Standard

    • Per person

    • Unlimited ($40,000 for 80 years old or older)

    • Unlimited ($40,000 for 80 years old or older)

    • 200

    • Unlimited ($40,000 for 80 years old or older)

    • Events
    • $5,000

    • $30,000

    • $30,000

    • $3,000

    • $2,500

    • $2,000

    • $2,000

    • $2,000

    • Optional extra

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Comprehensive

    • Per person

    • Unlimited ($40,000 for 80 years old or older)

    • Unlimited ($40,000 for 80 years old or older)

    • 200

    • Unlimited ($40,000 for 80 years old or older)

    • Events
    • $7,500

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • Optional extra

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Comprehensive including Snow

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $7,500

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • Optional extra

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Standard including Cruise

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $5,000

    • $30,000

    • $30,000

    • $3,000

    • $2,500

    • $2,000

    • $2,000

    • $2,000

    • Optional extra

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Comprehensive including Cruise

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $7,500

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • Optional extra

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Comprehensive including Cruise and Snow

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $7,500

    • $50,000

    • $50,000

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,400

    • $5,000

    • $5,000

    • $5,000

    • Optional extra

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
  • Events

  • Limits shown apply

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health problems

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Medical Only

    • Per group

    • Unlimited ($40,000 for 80 years old or older)

    • Unlimited ($40,000 for 80 years old or older)

    • 200

    • Events
    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Medical Only including Cruise

    • Per group

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Standard

    • Per group

    • Unlimited ($40,000 for 80 years old or older)

    • Unlimited ($40,000 for 80 years old or older)

    • 200

    • Unlimited ($40,000 for 80 years old or older)

    • Events
    • $10,000

    • $60,000

    • $60,000

    • $3,000

    • $5,000

    • $4,000

    • $4,000

    • $4,000

    • Optional extra

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Comprehensive

    • Per group

    • Unlimited ($40,000 for 80 years old or older)

    • Unlimited ($40,000 for 80 years old or older)

    • 200

    • Unlimited ($40,000 for 80 years old or older)

    • Events
    • $15,000

    • $100,000

    • $100,000

    • $3,000

    • $10,000

    • $50,000

    • $50,000

    • $20,800

    • $10,000

    • $10,000

    • $10,000

    • Optional extra

    • $10,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Comprehensive including Snow

    • Per group

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $15,000

    • $100,000

    • $100,000

    • $3,000

    • $10,000

    • $50,000

    • $50,000

    • $20,800

    • $10,000

    • $10,000

    • $10,000

    • Optional extra

    • $10,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Standard including Cruise

    • Per group

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $10,000

    • $60,000

    • $60,000

    • $3,000

    • $5,000

    • $4,000

    • $4,000

    • $4,000

    • Optional extra

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Comprehensive including Cruise

    • Per group

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $15,000

    • $100,000

    • $100,000

    • $3,000

    • $10,000

    • $50,000

    • $50,000

    • $20,800

    • $10,000

    • $10,000

    • $10,000

    • Optional extra

    • $10,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Comprehensive including Cruise and Snow

    • Per group

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $15,000

    • $100,000

    • $100,000

    • $3,000

    • $10,000

    • $50,000

    • $50,000

    • $20,800

    • $10,000

    • $10,000

    • $10,000

    • Optional extra

    • $10,000

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
= Covered = Not covered

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


What should I know about Fast Cover travel insurance

What your policy covers

Obviously, this will depend on the plan and cover type you elect to purchase. Some of the benefits you can expect to have covered in most Fast Cover travel insurance policies include:

This excludes Fast Cover’s luggage and cancellation travel insurance policy, which only covers - you guessed it, your luggage and cancellation costs.

What pre-existing medical conditions are covered

Your Fast Cover travel insurance policy will automatically cover 43 pre-existing medical conditions as long as you haven’t been hospitalised, including a trip to the ER, for that condition in the last 24 months. The Fast Cover PDS has a full list of these conditions, which include all the usual suspects, such as allergies, epilepsy and coeliac disease. It also covers both types of diabetes, however, if you have cardiovascular disease, this isn’t covered, and will mean cover for diabetes is also excluded.
Also, a little bit of fine print to be noted here: there is no cover for any pre-existing medical conditions under Fast Cover multi-trip travel insurance policies.
If you’re travelling with a pre-existing medical condition, Mozo have put together a guide to answer some of your questions about finding a travel insurance policy that’s right for you.

What medical assistance you will receive

Allianz Global, who Fast Cover travel insurance works with, have an international network of over 1600 medical specialists and can offer services ranging from emergency rescue, to interpreting for you at a hospital. Under most Fast Cover travel insurance policies, you will be entitled to:

Allianz will also relay messages to family members and your employer should it be necessary.

The age limit

For Fast Cover multi-trip travel insurance policies, an age limit of 59 years applies.
Any other policy can be bought by persons of any age, although special conditions do apply for seniors. If you’re over the age of 80:

a $2,000 excess applies to medical related claims and for many benefits your claims are capped at a combined value of $40,000.

If you’re 90 or over, the excess bumps up to $5,000 and the benefits are capped at $30,000.

Travelling with dependents

If you’re travelling with family, your children or grandchildren could be classed as dependents and covered for free if they meet the requirements of Fast Cover travel insurance. This means they’ll need to be:

If you’re travelling with dependents you can choose between two Fast Cover travel insurance cover types: single and family. Single cover is for 1 adult and up to 10 dependents, while family cover is for 2 adults and up to 10 dependents. Family cover is not available on multi-trip or luggage and cancellation policies.

Cancelling your Fast Cover travel insurance policy

Fast Cover offer a cooling off period of 14 days, during which you can cancel your travel insurance policy for a full refund. So if you decide the travel insurance policy you’ve chosen is not right for you or decide not to travel for any reason, you can cancel it, as long as you haven’t started your trip or made any claims on the policy.
You can still cancel after the 14 day period, but you won’t be refunded any part of your premium.

What optional travel insurance cover does Fast Cover travel insurance offer?

Specified Luggage and Personal Effects Cover

For a little extra cover for your luggage and personal items, you can choose this optional addition to your Fast Cover travel insurance policy. You’ll pay an additional premium and your benefit limit will be displayed on your insurance certificate. The catch is, this extra cover can not be applied to standard or luggage and cancellation travel insurance policies, and it doesn’t cover snow sports equipment or jewellery.

Removal of Standard Excess

You can pay an additional premium to remove or reduce your excess on all Fast Cover’s international travel insurance policies.

A quick guide to the fine print of Fast Cover travel insurance policies

Keep an eye on the fine print of your Fast Cover travel insurance policy so that you have a clear idea of what is included and excluded from your policy. Some of these exclusions can mean the difference between your claim being denied or approved. Here’s a few quick tips for what to look out for when choosing your policy:

How do I make a claim with Fast Cover travel insurance?

Now that you know the finer points of making a claim on your Fast Cover travel insurance policy, you should also keep in mind the steps to make a claim should it become necessary.
To make a claim with Fast Cover you can either call them and have your claim processed over the phone, download a claims form on their website and send it via post, or submit a claims form online. If you’re submitting online or filling in a postal form, make sure you have these things close by:

An online or postal claim will be assessed within 10 days of Fast Cover receiving it, but if more information is needed as evidence of your claim, it may take longer to process. Claims made over the phone can usually be processed immediately, unless more documentation is required as evidence to your claim.

For more information on making travel insurance claims, check out our handy guide.

How does the Mozo Community rate Fast Cover travel insurance?

Read how the Mozo community has rated Fast Cover travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

Fast Cover travel insurance

Overall 8.8*

Value for money

Trust

9 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Fast Cover travel insurance reviews Recent Fast Cover travel insurance reviews

Fast Cover

Fast Cover travel insurance review

Overall rating   8 / 10

Competitive premiums.

Much cheaper than what was offered by my travel agent - I checked the fine print and the level of cover was the same.

Full review

Much cheaper than what was offered by my travel agent - I checked the fine print and the level of cover was the same.

    Value for money   8 / 10

    Trust   8 / 10

Less

Sharon (QLD), reviewed about 1 year ago

Fast Cover

Fast Cover travel insurance review

Overall rating   9 / 10

Competitive premiums and great customer service.

Have been a satisfied customer for the past 4 years.

Full review

Have been a satisfied customer for the past 4 years.

    Value for money   8 / 10

    Trust   9 / 10

Less

Martin (VIC), reviewed about 1 year ago

Fast Cover

Fast Cover travel insurance review

Overall rating   10 / 10

Peace of mind for senior travellers .

As a senior traveller Fastcover gave me peace of mind. Staff were most helpful & I was agreeably surprised at reasonable premium. I have already & will continue to recommend this product.

Full review

As a senior traveller Fastcover gave me peace of mind. Staff were most helpful & I was agreeably surprised at reasonable premium. I have already & will continue to recommend this product.

    Value for money   10 / 10

    Trust   10 / 10

Less

Averil (NSW), reviewed about 1 year ago

Fast Cover

Fast Cover travel insurance review

Overall rating   8 / 10

Best premiums and communication actually enjoyable

Fast cover always give a very competitive price, their sales and consultants team are always helpful with great communicational skills.

Full review

Fast cover always give a very competitive price, their sales and consultants team are always helpful with great communicational skills.

    Value for money   8 / 10

    Trust   8 / 10

Less

John (NSW), reviewed over 1 year ago

Fast Cover

Fast Cover travel insurance review

Overall rating   8 / 10

Very competitive

Easy to set up and quick response.

Full review

Easy to set up and quick response.

    Value for money   8 / 10

    Trust   -1 / 10

Less

Graham (WA), reviewed about 2 years ago

Hide reviews

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Compare Fast Cover travel insurance policies with other Travel Insurers

There are so many companies offering travel insurance policies these days, so don’t make a hasty decision when it comes to your next overseas trip! Check out the options available to you and find a policy that fits your needs with Mozo’s easy to use travel insurance comparison tool. All you have to do is fill in the dates of your travel, your destination and how many people you’ll be travelling with for a quick and easy comparison of the best travel insurance policies available to Australians.

You can also check out Mozo’s guide to travel insurance for some tips on making your travel insurance policy work for you, and remember to drop by our travel hub for some helpful articles, tips and tools to plan a money savvy holiday.

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