Fast Cover Travel Insurance Review
With head office in Sydney and call centers in Sydney and the Gold Coast, the company underscores its commitment to local support, delivering service excellence through Australian-based specialist teams. The brand has garnered a strong reputation, reflected in its customer rating of 4.6 out of 6 from 1,875 reviews, showcasing a consistent focus on customer satisfaction.
Fast Cover was founded with a clear mission: to simplify the often cumbersome process of purchasing travel insurance. This mission is supported by their user-friendly website and streamlined Product Disclosure Statement (PDS), designed to make policy selection and purchase a hassle-free experience. Their approach prioritizes simplicity and ensures travelers feel secure with comprehensive support.
A standout feature of Fast Cover is its 24/7 Emergency Assistance team. This constant support underscores their dedication to ensuring travelers are never stranded in need. Whether dealing with medical emergencies or logistical issues, this dedicated service exemplifies Fast Cover’s customer-centric philosophy.
| 🔎 Date Established | 2010 |
| 📌 Headquartered | Level 11, 74 Castlereagh Street, Sydney NSW 2000 |
| 📍 Regulation and Compliance | Fast Cover Pty Ltd is regulated by the Australian Securities and Investments Commission (ASIC) |
| 🅰️ Type of Travel Insurance Plans Offered | Comprehensive, Standard Saver, Basics, Snow Sports Plus, Domestic Plus, Frequent Traveller Saver |
| 🅱️ Key Cover Areas | Medical cover, trip cancellation/interruption, baggage loss, personal liability, emergency evacuation |
| 🚨 Emergency Assistance Services | 24/7 emergency assistance is available, including medical and non-medical support |
| 🤒 COVID-19 Cover | Covers trip cancellations, medical costs, and quarantine expenses related to COVID-19 |
| ⬆️ Maximum Cover Limits | Medical expenses: Unlimited, Baggage: $15,000, Trip cancellation: $25,000, Personal liability: $5 million |
| ⚽ Adventure and Sports Cover | Available through optional packs (Adventure Pack, Motorcycle Pack, Bicycle Pack) |
| 🖱️ Claims Submission Process | Claims can be submitted online via the claims portal with the required documents |
| ⏰ Average Claim Settlement Time | Claims are typically settled within 10 business days |
| ❤️ Customer Support Availability | Phone support is available 9-5 pm Monday-Friday AEST |
| 📲 Mobile App and Digital Services | No native app; resources available include Travel Suitcase and online account management tools |
| ⭐ Customer Reviews and Ratings | Average customer rating of 4.6/6 based on 1,875 reviews |
| 💶 Annual Premium Range | Premiums vary; for example, Basics starting from $147.99, Comprehensive from $292.89 |
| ❌ Exclusions and Limitations | Common exclusions include pre-existing medical conditions and travel to sanctioned countries |
| 🎉 Discounts and Promotions | Family discounts, group travel discounts, and a 5% discount for couples purchasing together |
| ↪️ Policy Limits and Flexibility | Policies can be customized in terms of duration and specific cover options available |
| 🌎 Global Reach and Market Presence | Fast Cover primarily serves the Australian market with policies for both domestic and international travel |
Fast Cover Plan Comparison and Overview
| 🔎 Plan Option | 📉 Features | 📈 Min and Max Premium | 📊 Cover Limits | ❌ Exclusions | ❤️ Ideal For | 🚨 Emergency Assistance | 📲 Mobile App Offered | 🎉 Discounts Available |
| 🥇 Comprehensive | High medical cover, trip cancellation, baggage loss | International from $253.99; Domestic from $128.99 | Unlimited medical, $15,000 baggage | Pre-existing conditions | Solo travelers, families, business trips | ✅Yes | None | ✅Yes |
| 🥈 Standard Saver | Balanced cover for essentials | International from $217.99; Domestic from $260.20 | $5,000 baggage, $25,000 cancellation | High-risk activities | Backpackers, couples, students | ✅Yes | None | ✅Yes |
| 🥉 Basics | Essential medical cover only | International from $147.99; Domestic from $128.99 | Unlimited medical | Non-essential treatments | Budget travelers, students, seniors | ✅Yes | None | ✅Yes |
| 🏅 Multi-Trip | Covers multiple trips within a year | Worldwide from $1,146.90; Europe from $818.90 | 40 days per trip, unlimited trips | Not applicable for one-off trips | Frequent travelers, business travelers | ✅Yes | None | ✅Yes |
| 🎖️ One Way | Flexible cover for open-ended travel | International from $303.89; Domestic from $128.99 | Unlimited medical, $15,000 baggage | Non-specified destinations | Relocating travelers, working holidaymakers | ✅Yes | None | ✅Yes |
| 🥇 Cruise Plus | Additional cover for cruises and snow sports | From $388.59 for Comprehensive with cruise and snow | Varies based on selected options | Non-medical emergencies | Cruisers, snow sports enthusiasts | ✅Yes | None | ✅Yes |
| 🥈 Snow Sports Plus | Covers snow-related activities | From $493.39 for Comprehensive with Snow Sports | $1,500 for equipment, $750 hire costs | Activities outside of the policy | Skiers, snowboarders | ✅Yes | None | ✅Yes |
Travel Insurance Plans and Cover Options
Basics (Medical-Only) Policy
The Basics Policy has essential medical cover for international and domestic travel. It has unlimited emergency medical and hospital expenses, ensuring travelers can access critical medical support in unforeseen circumstances.
The plan includes emergency dental treatment, evacuation, and repatriation services but does not extend to trip cancellations or disruptions. Medical expenses are typically not covered due to Medicare’s provisions, focusing instead on personal liability and optional luggage cover.
- Premiums: From $147.99 per month for international travel.
| 🔎 Cover | ☑️ Included | ❎ Not Included |
| 📉 Emergency Medical Assistance | Unlimited | Not covered within Australia |
| 📈 Hospital Expenses | Unlimited | Not covered within Australia |
| 📊 Emergency Dental | $500 | Elective dental treatment |
| 💹 Personal Liability | $5 million | Trip cancellations or disruptions |
| 💱 Luggage and Personal Effects | Optional ($2,000 max) | Comprehensive trip benefits |
Standard Saver Policy
The Standard Saver Policy builds on the Basics plan by including additional benefits for trip cancellations and disruptions, making it a balanced choice for travelers.
It covers luggage and personal effects alongside the core medical benefits. It covers trip cancellations and resumption, luggage delays, and personal liability.
This plan is ideal for travelers by offering a mix of medical and trip-related protections without opting for the most comprehensive package.
- Premiums: From $217.99 per month for international travel.
| 🔎 Cover | ☑️ Included | ❎ Not Included |
| 📉 Emergency Medical Assistance | Unlimited | COVID-19-related disruptions |
| 📈 Trip Cancellation Expenses | $25,000 | High-value item cover |
| 📊 Luggage and Personal Effects | $5,000 | Optional extras like the Adventure Pack |
| 💹 Travel Delay Expenses | $2,000 | Comprehensive trip interruption |
| 💱 Personal Liability | $5 million | Rental vehicle excess is not standard |
Comprehensive Policy
The Comprehensive Policy is the most inclusive, covering a wide range of scenarios for both international and domestic travelers. It offers unlimited coverage for trip cancellations, emergency medical assistance, and disruptions.
High-value personal effects, rental vehicle excess, and additional features like accidental death and disability are included, ensuring extensive protection. Domestic travelers benefit from cover for trip interruptions, luggage issues, and high personal liability limits.
- Premiums: From $253.99 per month for international travel.
| 🔎 Cover | ☑️ Included | ❎ Not Included |
| 📉 Emergency Medical Assistance | Unlimited | Not applicable within Australia |
| 📈 Trip Cancellation Expenses | Unlimited | Cosmetic or elective medical costs |
| 📊 Luggage and Personal Effects | $15,000 | Specific high-risk activities |
| 💹 Rental Vehicle Excess | $8,000 | Adventure sports without add-ons |
| 💱 Accidental Death and Disability | $25,000 each | Non-emergency dental care |
Snow Sports Plus Policy
The Snow Sports Plus Policy caters to travelers who want to participate in winter sports. It includes all the benefits of the Comprehensive Policy with additional cover for snow-related activities.
The plan ensures that those enjoying skiing, snowboarding, and other snow sports are covered for equipment, prepaid expenses, and resort closures.
Notable features include cover for snow equipment up to $1,500 and reimbursement for prepaid expenses if illness or injury disrupts snow activities. This policy is excellent for winter sports enthusiasts seeking comprehensive protection on and off the slopes.
- Premiums: From $493.39 per month for international travel.
| 🔎 Cover | ☑️ Included | ❎ Not Included |
| 📉 Emergency Medical Assistance | Unlimited | Non-snow-related adventure sports |
| 📈 Snow Sports Equipment | $1,500 | Equipment used off designated paths |
| 📊 Piste Closure | $1,000 | Personal liability beyond general use |
| 💹 Accidental Death and Disability | $25,000 each | Standard non-winter activities |
| 💱 Rental Vehicle Excess | $8,000 | Comprehensive vehicle damages |
Domestic Plus Policy
Focused solely on Australian travel, this plan provides robust cover for trip cancellations, disruptions, and resumption.
It includes protection for luggage and personal effects, travel delays, and rental vehicle excess, making it a solid choice for those traveling within the country. Medical cover is not included due to Medicare’s provisions.
| 🔎 Cover | ☑️ Included | ❎ Not Included |
| 📉 Trip Cancellation Expenses | Unlimited | Medical expenses in Australia |
| 📈 Luggage and Personal Effects | $7,500 | Emergency dental care |
| 📊 Rental Vehicle Excess | $5,000 | Overseas travel benefits |
| 💹 Personal Liability | $5 million | Adventure sports without add-ons |
Frequent Traveller Saver Plan
This annual multi-trip policy is designed for frequent travelers, providing unlimited trips within a year, each up to 63 days.
It includes extensive cover for medical emergencies, trip cancellations, disruptions, and high personal liability limits. Additional benefits such as rental vehicle excess and optional add-ons like Adventure Pack make it highly adaptable for regular travelers.
- Premiums: From $1,146.90 annually for worldwide cover.
| 🔎 Cover | ☑️ Included | ❎ Not Included |
| 📉 Emergency Medical Assistance | Unlimited | Trip durations beyond 63 days |
| 📈 Trip Cancellation Expenses | Unlimited | Non-emergency elective procedures |
| 📊 Luggage and Personal Effects | $15,000 | High-risk adventure without add-ons |
| 💹 Rental Vehicle Excess | $8,000 | Specific exclusions per PDS |
| 💱 Accidental Death and Disability | $25,000 each | Adventure sports without add-ons |
One Way Plans
One Way Plans are essential for those traveling internationally or domestically without a planned return date.
These policies include all critical travel insurance benefits like emergency medical assistance, trip cancellations, and personal liability, tailored for individuals moving or embarking on indefinite journeys. This plan offers peace of mind with the flexibility to extend cover while traveling.
- Premiums: From $261.50 per month for international travel.
| 🔎 Cover | ☑️ Included | ❎ Not Included |
| 📉 Emergency Medical Assistance | Unlimited | Return trip-specific benefits |
| 📈 Trip Cancellation Expenses | Variable by plan | Non-emergency medical procedures |
| 📊 Luggage and Personal Effects | Plan-dependent | Non-essential travel costs |
| 💹 Rental Vehicle Excess | Optional | High-risk activities without add-ons |
| 💱 Personal Liability | $5 million | Cosmetic or elective services |
Key Features and Benefits of Fast Cover Travel Insurance
Fast Cover Travel Insurance has comprehensive features that address the different Australian travelers. Offering extensive cover and flexible add-ons, Fast Cover caters to different travel scenarios, ensuring robust protection for individuals, families, and groups.
Standout Features
- 24/7 Emergency Assistance: Fast Cover’s dedicated support team is available around the clock for immediate help during emergencies anywhere in the world.
- Comprehensive Medical Cover: Unlimited emergency medical assistance and hospital expenses for international trips, including specialized cover for pre-existing medical conditions after assessment.
- Pandemic-Related Cover: Fast Cover includes COVID-19 benefits, covering medical expenses and trip cancellations or disruptions due to pandemic-related issues.
Add-On Options
Fast Cover enhances its flexibility through several optional extras
- Covers high-risk activities like abseiling, scuba diving, and hiking up to 6,000 meters.
- For riders and passengers on motorcycles, mopeds, or scooters, covering both sealed and unsealed public roads (age limit 74).
- Protects bicycles valued at $1,500 or more against loss, theft, or accidental damage, with a total cover limit of $15,000.
High-Value Item Cover allows travelers to insure personal belongings with higher value, ensuring no depreciation on items like electronics and jewelry.
Family and Group Benefits
Fast Cover accommodates families and groups through pooled benefits, where policy limits are shared among all covered members. This approach offers cost savings while ensuring everyone can access essential travel coverage.
COVID-19 and Pandemic-Related Cover
Fast Cover provides robust pandemic-related protection, including Unlimited cover for COVID-19-related medical treatment overseas. Cover for cancellations or disruptions due to pandemic outbreaks, with specified sub-limits, ensuring travelers are safeguarded against unforeseen changes.
Fast Cover Travel and Health Cover Overview
Fast Cover provides extensive health-related benefits to support travelers during medical emergencies abroad.
This feature includes essential cover for hospitalization, emergency dental treatment, and specific pandemic-related expenses, ensuring travelers receive necessary medical attention when required.
Key Health Benefits
- Hospital Cash Payments: Travellers hospitalized overseas for more than 48 hours due to a covered illness or injury can receive $50 per day to cover incidental expenses such as communication and entertainment.
- Fast Cover provides up to $1,000 for emergency dental treatment for sudden and acute pain relief. This benefit ensures that travelers can manage dental emergencies without significant out-of-pocket expenses.
Cover Conditions
To access these benefits, travelers must adhere to specific conditions:
- All claims for medical expenses must be supported by appropriate documentation from a qualified medical practitioner.
- Benefits for hospital cash payments are available only after the initial 48-hour hospital stay.
COVID-19 Specific Cover
COVID-19 Trip Cancellation and Disruption pays up to $5,000 under the Comprehensive Policy for non-refundable trip costs if a trip is canceled or disrupted due to a COVID-19 diagnosis. This benefit is subject to a $200 excess.
Pricing, Premiums, and Value for Money
Fast Cover Travel Insurance offers premium structures for travel types and risk levels. Premiums will vary according to the policy type, destination, travel duration, and the traveler’s age, with options to reduce or remove the standard $200 excess by paying an additional fee.
Travelers already overseas pay an excess of $500. Fast Cover has a 25-day money-back guarantee on all policies, which is especially beneficial for those uncertain about travel dates or cover needs.
| 🔎 Plan | 📌 Cover Type | 💶 Starting Monthly Premium | 💵 Excess |
| 🥇 Comprehensive | International | From $253.99 | $200 |
| 🥈 Comprehensive | Domestic | From $128.99 | $200 |
| 🥉 Comprehensive | Cruise Cover (International) | From $388.59 | $500 |
| 🏅 Comprehensive | Snow Sports Plus (International) | From $493.39 | $500 |
| 🎖️ Standard Saver | International | From $217.99 | $200 |
| 🥇 Standard Saver | Domestic (Small Ship Cruise) | From $260.20 | $200 |
| 🥈 Standard Saver | Cruise Cover (International) | From $343.89 | $500 |
| 🥉 Basics (Medical-Only) | International | From $147.99 | $200 |
| 🏅 Basics (Medical-Only) | Domestic | From $128.99 | $200 |
| 🎖️ Multi-Trip | Worldwide (up to 40 days/trip) | From $1,146.90 annually | $200 |
| 🥇 Multi-Trip | Europe (up to 40 days/trip) | From $818.90 annually | $200 |
| 🥈 Multi-Trip | Asia & South Pacific (up to 40 days) | From $727.90 annually | $200 |
| 🥉 One-Way | International | From $303.89 | $500 |
| 🏅 One-Way | Domestic | From $128.99 | $500 |
| 🎖️ Snow Sports Plus | International | From $493.39 | $500 |
Fast Cover Travel Insurance Discounts and Incentives
Fast Cover Travel Insurance enhances its appeal through different discounts for policyholders. These special offers, often time-limited, offer travelers value and flexibility.
Duo Policy Discount
Travelling as a pair? Fast Cover offers a Duo Policy Discount, allowing couples or friends to save 5% or more on travel insurance when purchasing a joint policy.
By combining their policies, they save on premiums and reduce the cost of any excess adjustments, offering significant financial benefits over individual policies.
Family Plan with Pooled Benefits
Families can enjoy comprehensive coverage under a single policy with Pooled Benefits. This option lets parents and up to 10 dependents share policy limits, providing extensive protection without purchasing separate policies.
The shared limits ensure each family member benefits equally, making it a cost-effective solution for family travel.
Frequent Traveller Saver Perks
The Frequent Traveller Saver plan includes an option to add a spouse and up to 10 dependants under the same policy. This policy is an excellent choice for families who travel frequently, ensuring peace of mind with every trip.
Promotional Codes and Coupons
Fast Cover periodically offers promo codes and coupons, allowing travelers to reduce their premiums or excess costs. Current promotions include:
- Apply the code “COUPON5” at checkout to get an instant discount.
- Using the code “5EXCESS” can help lower the cost of your excess, making claims even more affordable.
These codes can be found on Fast Cover’s website or through partnered deal sites, offering straightforward savings for savvy travelers.
Affiliate Program Incentives
The Affiliate Program provides a lucrative opportunity for anyone interested in partnering with Fast Cover. Affiliates can earn competitive commissions with no cap on earnings.
The program offers tools such as real-time tracking, marketing resources, and customized links to help affiliates maximize their referrals, all while promoting a trusted travel insurance brand.
How Do I Apply For Travel Insurance with Fast Cover?
Applying for travel insurance with Fast Cover requires careful preparation and adherence to specific steps to ensure a smooth process. Here’s a detailed guide to help you through the application:
- Go official Fast Cover website to start your application.
- Choose a plan, whether a Comprehensive policy or a specific add-on like the Adventure Pack.
- Complete the form by entering your name, date of birth, and contact information.
- Enter your travel destinations, dates, and any additional travelers.
- Evaluate the optional extras like the Rental Vehicle Excess or High-Value Item Cover.
- Choose any relevant add-ons you might be interested in.
- Finalize your policy by reviewing all entered information.
Proceed to payment using a valid credit or debit card.
How Can I Claim For Travel Insurance with Fast Cover?
To file a claim with Fast Cover, you must do so immediately after returning from your trip. Here’s a simple guide to help you through the process:
Notify Fast Cover
Contact their claims team via the website, email, or phone as soon as you return home.
Complete the Claim Form
Fill out the required fields with accurate and detailed information.
Attach Necessary Documents
Ensure you attach the relevant documents based on the type of claim
- Medical, Hospital, or Dental Claims: Medical reports and certificates from treating doctors, plus original receipts for medical expenses.
- Theft or Loss of Luggage and Personal Effects: A police report filed within 24 hours, proof of ownership, and receipts for lost or stolen items.
- Damage or Misplacement: Written reports from the transport operator or accommodation provider, and photos of the damaged items.
- Liability Claims: Do not admit fault. Provide incident details and any relevant third-party communications.
Processing Time
Fast Cover typically processes claims within 10 to 15 business days. Delays may occur if documentation is incomplete or additional information is required. Make sure all documents are included for quicker processing and to avoid any delays.
Can I add more than one person to my Fast Cover Travel Insurance Policy?
When you apply for travel insurance with Fast Cover, you can add additional dependents to your policy under Duo and Family plans. Here’s a detailed step-by-step guide on adding more travelers, from getting a quote to completing the purchase.
- Visit the Fast Cover website and click on “Get a Quote.”
- Enter basic trip details like the destinations, travel dates, and the number of travelers.
- Choose Single, Duo, or Family.
- If you need a family policy, ensure it accommodates up to two adults and 10 dependents.
- Enter the personal details of each traveler.
- Review optional extras like Adventure Pack or High-Value Item Cover.
- Include any additional features relevant to the group’s travel activities.
- Double-check all information and travel details.
- Verify that all dependants are listed and meet the policy criteria.
- Proceed to the payment section.
- Enter your payment details and finalize the purchase.
Wait to receive your Certificate of Insurance.
Fast Cover Travel Insurance Upgrades and Downgrades
Policyholders can easily boost or reduce their cover by adding or removing optional extras, depending on what they’re planning for their journey. Fast. Cover policyholders can easily modify their policies to include adventure sports or rental vehicle excess.
Upgrade Options
Policyholders can add the following options:
- Adventure Pack: Covers high-risk activities such as bungee jumping, scuba diving, and hiking above 3,000 meters.
- Motorcycle Pack: Provides protection for riding or being a passenger on motorcycles, mopeds, or scooters.
- Bicycle Pack: Offers cover for bicycles taken on trips.
- Snow Sports Pack: Extends cover for snow-related activities beyond the standard Snow Sports Plus Policy.
- Rental Vehicle Excess Insurance: Covers the excess payable on a rental vehicle insurance claim.
- Before Departure: You can upgrade your policy from Standard Saver to Comprehensive or add optional extras.
- After Departure: Upgrades to add Comprehensive benefits are allowed, but additional cover applies only to unforeseen events occurring after the upgrade.
Downgrade Options
- Before departing for your trip: Downgrades from Comprehensive to Standard Saver are allowed if you decide on less extensive cover.
- After Departure: Downgrading a policy is prohibited once the trip starts.
Eligibility and Timing
- Upgrades must be completed before departure or can be added mid-trip for new, unforeseen events.
- Downgrades are only allowed before the trip starts.
Fast Cover Digital Tools and Apps
Fast Cover Travel Insurance doesn’t have a native mobile app but a few online resources to assist travelers in managing their policies, accessing travel information, and staying informed during their trips.
Digital Features and Resources
Travel Suitcase This resource compiles extensive travel guides and insurance information to help travelers prepare for their journeys. It includes:
Comprehensive travel insurance guides
- Information on cover for overseas medical expenses.
- Tips for protecting luggage and personal effects.
- Emergency medical assistance details.
- Insights into personal liability cover.
- FAQs on qualifying for travel insurance.
- Guidance on choosing suitable travel insurance benefits.
- Travel safety tips for various destinations.
Blog
Tips and Hacks Fast Cover’s blog provides practical advice and insights on travel preparation and insurance. Key topics include:
- Common travel mistakes and how to avoid them.
- Cost-saving tips for travel insurance.
- Preparation checklists for travel.
- Destination-specific travel tips.
Media Centre
A platform for media and PR inquiries, the Media Centre serves:
- Journalists and travel writers who require expert commentary.
- Bloggers and photographers sharing travel stories.
- Marketing agencies interested in travel insurance content.
Fast Cover Travel Insurance Additional Services and Benefits
Policyholders can expect additional services and benefits that could easily enhance their overall experience with Fast Cover like reimbursements, extras, and features tailored for different travelers.
Additional Services
Fast Cover’s policies include the following:
- Trip Cancellation Expenses to cover pre-paid trip costs, frequent flyer points, and travel agent fees if the trip is canceled due to unforeseen events like illness or emergency duty.
- Trip Disruption Expenses for reimbursement for additional travel and accommodation costs caused by transport cancellations or natural disasters.
- Overseas Hospital Cash Payment of up to $5,000 if the insured is hospitalized for more than 48 hours overseas, covering incidental expenses.
- Credit Card Fraud covers up to $5,000 for losses due to fraudulent use of stolen credit or debit cards.
Moreover, Theft of Cash covers up to $250 for cash stolen through force or threat during the trip.
Customizable Options
Policyholders can enhance their cover with optional extras:
- Adventure Pack: Covers high-risk activities like skydiving and bungee jumping.
- Motorcycle Pack: Provides cover for riding motorcycles, mopeds, or scooters.
- Bicycle Pack: Protects bicycles up to a total value of $15,000.
- Snow Sports Pack: Extends cover for snow sports equipment and prepaid snow-related expenses.
Furthermore, Rental Vehicle Excess Insurance Covers up to $8,000 for excess payable on a rental vehicle insurance claim.
Exclusive Benefits
- Money-Back Guarantee: A 25-day cooling-off period allows for a full refund if the policy is canceled within this time and no claims have been made.
- Flexible Adjustments: Policyholders can adjust their cover before the trip begins to include or exclude optional extras.
How to Switch to Fast Cover Travel Insurance
Switching to Fast Cover Travel Insurance involves canceling your current policy and purchasing a new one directly from Fast Cover. Here’s a step-by-step guide to help you make the transition smoothly.
- Before switching, check the terms of your existing travel insurance policy regarding cancellation terms and conditions and any fees associated with ending the cover early if you’re not within a cooling-off period.
- Determine the best time to switch before your current policy expires or during its renewal period to avoid any lapse in cover.
- Visit the Fast Cover website and select a travel insurance plan ideal for your travel needs.
- Complete the application by providing your travel details and required documentation to validate your identification and information on pre-existing medical conditions.
- Your Fast Cover policy must be active before you cancel your current insurance to prevent coverage gaps and ensure continuous protection.
- Contact your current provider to cancel the policy. You must follow their cancellation procedures to avoid penalties or missed refunds.
Fast Cover offers a 25-day cooling-off period. If you decide the policy isn’t right for you and haven’t started your trip or made a claim, you can cancel for a full refund.
Exclusions and Limitations of Fast Cover Travel Insurance
There are many major exclusions, but these are the most common ones that most travel insurance providers have:
- Claims for undisclosed or unapproved pre-existing conditions.
- Pregnancy complications unless specified under covered conditions.
- Losses are recoverable from other sources, including refunds or credits.
- Claims for delays or cancellations due to border closures or travel restrictions not covered by policy terms.
- Claims arising from using motorcycles or scooters without proper licensing or the Motorcycle Pack.
- Losses from professional sports or hazardous pursuits not covered by the relevant add-ons.
- Claims due to war, civil unrest, or terrorism-related events.
- Alcohol or drug-related incidents where the insured fails to comply with local laws.
- Incidents involving legal violations or failure to comply with government regulations.
- Elective or cosmetic surgeries are not deemed medically necessary.
- Participation in high-risk activities like bungee jumping or scuba diving without the Adventure Pack.
- Financial losses due to the collapse of travel service providers.
- Consequential losses, including financial loss, loss of enjoyment, or depreciation.
- COVID-19-related claims are not specified under the designated benefits.
- Travel to sanctioned countries such as Cuba, Iran, or North Korea.
- Claims due to the inability to use electronic devices or software.
Policy Limits on Claims
| 🔎 Benefit | 🥇 Comprehensive | 🥈 Standard Saver | 🥉 Basics | 🏅Snow Sports Plus | 🎖️ Domestic Plus | 🥇 Frequent Traveller Saver |
| 📉 Medical Cover | Unlimited | Unlimited | Unlimited | Unlimited | Not applicable | Unlimited |
| 🅰️ Personal Belongings | $15,000 | $5,000 | Optional | $15,000 | $7,500 | $15,000 |
| 🅱️ Personal Liability | $5 million | $5 million | $5 million | $5 million | $5 million | $5 million |
| ❌ Trip Cancellation Expenses | Unlimited | $25,000 | No cover | Unlimited | Unlimited | Unlimited |
| 📌 Trip Disruption Expenses | $50,000 | $30,000 | No cover | $50,000 | $50,000 | $50,000 |
| 📍 Luggage Delay | $2,000 | $2,000 | No cover | $2,000 | No cover | $2,000 |
| 📈 Travel Delay Expenses | $2,000 | $2,000 | No cover | $2,000 | No cover | $2,000 |
| 📊 Rental Vehicle Excess | Up to $8,000 | Up to $8,000 | No cover | Up to $8,000 | $5,000 | Up to $8,000 |
| 💹 Hospital Cash Payment | $5,000 | No cover | No cover | $5,000 | No cover | $5,000 |
Cancellation Policies
| 🔎 Cancellation Period | 🅰️ Basics Policy Refund | 🅱️ Other Policies Refund |
| 📉 Within 25 days | 100% | 100% |
| 📈 26 to 90 days (before the trip starts) | 70% | 60% |
| 📊 91 to 180 days (before the trip starts) | 50% | 40% |
| 💹 181 to 366 days (before the trip starts) | 30% | 20% |
| 💱 After trip starts | No refund | No refund |
How Do I Contact Fast Cover Travel Insurance Customer Support?
You can reach Fast Cover through several contact methods. For general inquiries and policy questions, call Australia: 1300 409 322 or international: +61 2 8215 7239, available from 9 am to 5 pm, Monday to Friday (AEST).
For claims, use the same contact numbers during the same hours. For emergency assistance, check the Emergency Contacts page for 24/7 support. You can also email general inquiries to [email protected] or media-related questions to [email protected].
For submitting inquiries and claims, use the online contact forms available on the Fast Cover website. Additionally, you can interact with Fast Cover on social media platforms like Facebook, Pinterest, X (formerly Twitter), and Instagram. For immediate help, use the live chat feature or the “Answers” bot on their website.
Customer Reviews and Satisfaction
🥇 Fast and Effective Claim Resolution.
A medical emergency forced me to file a claim while on vacation. Fast Cover responded quickly and effectively. The customer care crew was helpful and resolved all my problems. The claim was completed easily and refunded quickly.
🥈 Affordable and Reliable Cover.
Fast Cover’s full cover was affordable. Given their advantages, their insurance is a good bargain. It’s comforting to know that a decent cover is affordable.
🥉 Excellent Experience with Fast Cover.
My Fast Cover Travel Insurance experience was excellent. Their application procedure and claims process exceeded my expectations. I recommend them for trustworthy and reasonable travel insurance.
How Do I Submit Feedback or Complaints?
Fast Cover Travel Insurance provides specific channels for customers to submit feedback or lodge complaints about their experiences with the company.
Feedback Process
Customers can provide feedback through several direct channels:
- Feedback Forms are available on the Fast Cover website for general comments.
- Send feedback to [email protected].
- Call 1300 409 322 during business hours (9 am – 5 pm, Monday to Friday AEST).
- Use the “Answers” bot or connect with a live agent on the Fast Cover website.
- Share feedback via Facebook, Pinterest, X, or Instagram.
Complaint Submission
For lodging complaints, follow these steps:
Contact Fast Cover
Submit your complaint via email at [email protected], phone, or the online contact form. Fast Cover will acknowledge the complaint within one business day.
Resolution Process
Fast Cover aims to resolve complaints within 10 business days. If more time is needed, they will inform you of the delay and the next steps.
Escalation Options
If unresolved, escalate to Lloyd’s Australia for a review and final decision within 30 days. If dissatisfied, refer the complaint to the Australian Financial Complaints Authority (AFCA) within two years of the final decision. AFCA provides a free, independent dispute resolution service.
Fast Cover Travel Insurance Awards and Recognition
Fast Cover Travel Insurance has received prestigious awards that reflect its overall standing in the travel insurance sector. Here are the most recent awards:
- 2024 Travel Insurance Awards: Winner Travel Insurance Award
- 2024 ProductReview.com.au Awards: Best Travel Product
- 2024 Mum Central Awards: Nominee for Best Travel Insurance Company Australia
- 2024 Finance Derivative Awards: Travel Insurance Initiative of the Year – Australia
- 2024 Insurance Asia Awards: Value for Money
and many more!
Who Should Consider Fast Cover Travel Insurance?
Cover-More offers a range of travel insurance policies tailored to different types of travelers. The Comprehensive Policy is perfect for solo travelers, families, business travelers, retirees, and adventurers who require high-level protection, especially for high-risk activities.
The Standard Saver Policy is ideal for backpackers, couples, volunteers, and students looking for affordable coverage. The Basics Policy suits budget-conscious travelers, seniors, and families needing basic medical protection. For frequent flyers, the Frequent Traveller Saver (Multi-Trip) provides cost-effective cover for those making multiple trips a year.
The One-Way Policy caters to individuals relocating or traveling long-term without a set return date. Lastly, the Adventure Pack Add-On offers coverage for high-risk activities like bungee jumping, skydiving, hiking, and scuba diving, making it perfect for thrill-seekers.
Fast Cover Travel Insurance vs Southern Cross Travel Insurance vs Medibank Travel Insurance – A Comparison
| 🔎 Provider | 🥇 Fast Cover Travel Insurance | 🥈 Southern Cross Travel Insurance | 🥉 Medibank Travel Insurance |
| 🅰️ Plan Name | Comprehensive, Standard Saver, Basics, Multi-Trip, One-Way, Cruise Plus, Snow Sport Plus | International Comprehensive, Annual Multi-Trip, Medical Only, Domestic, Working Overseas | International, Domestic, Multi-Trip |
| 🅱️ Premium Range (Trip-Based or Annual) | From $147.99 | From $121.81/month for Domestic, from $175.88/month for Medical Only | From $145 per month (Medical-Only, no discount) |
| 📉 Key Cover Areas | Medical, trip cancellation, personal liability | Medical, trip cancellation, baggage loss, personal liability, evacuation | Medical, cancellation, luggage, delays |
| 📈 Exclusions | Pre-existing conditions, high-risk activities | Pre-existing conditions, high-risk sports, travel to high-risk areas | Pre-existing conditions, unlicensed travel, war-related events |
| 📊 COVID-19 Cover | Yes, includes medical and cancellations | Medical, cancellations, quarantine expenses | Medical, trip cancellation, quarantine expenses |
| ❤️ Ideal For | Frequent travelers, families, adventurers | International, and domestic travelers, frequent flyers, working abroad | Families, frequent travelers, adventure seekers |
| ⚽ Adventure Sports Cover | Optional Adventure Pack | Optional for skiing, snowboarding, motorbike riding | Optional add-on for skiing, snowboarding, moped riding |
| 🚨 Emergency Assistance | 24/7 access, unlimited medical support | 24/7 worldwide emergency support | 24/7 global support, medical evacuation |
| 🖱️ Digital Access and Mobile App | No app; online portal available | Yes, mobile app for claims, policy management | My Medibank app, policy management, claims filing |
| ⏰ Average Claim Settlement Time | 10 business days | Typically 5 working days | 10 business days |
Pros and Cons
| ✅ Pros | ❌ Cons |
| Comprehensive medical cover, including overseas expenses | Premiums are higher compared to some competitors |
| High personal liability limits | Not all policies cover trip cancellations |
| Strong reputation backed by multiple industry awards | Limited cover for high-risk activities without add-ons |
| Flexible multi-trip options for frequent travellers | Cover limits vary between policies |
| Extensive range of policies for different traveler types | Higher premiums for older travelers |
| 25-day cooling-off period for refunds | Some customer complaints about response times |
In Conclusion
According to our research, Fast Cover Travel Insurance stands out for its policy options, which have extensive medical cover and additional benefits that make it a compelling choice for many travelers.
The pricing is transparent and competitive, with a comprehensive quote tool that allows you to view all pricing details upfront. The live chat option on the website and active social media presence provide accessible support, while the affiliate program offers incentives, particularly beneficial for couples and families traveling together.
The absence of a dedicated mobile app and other digital tools limits convenience. Furthermore, some plans’ excess amounts can be higher than other insurers, potentially leading to out-of-pocket costs during claims.
However, there are notable drawbacks. The complexity of the sheer range of options could overwhelm some customers, making it difficult to choose the best policy.
Despite this, Fast Cover offers a combination of features that align well with industry standards, though potential customers must carefully consider the complexities and excess costs associated with their policies.
You might also like:
- InsureandGo Travel Insurance
- Medibank Travel Insurance
- Nib Travel Insurance
- NRMA Travel Insurance
- Zoom Travel Insurance
Frequently Asked Questions
Which types of travel insurance cover does Fast Cover provide?
Fast Cover offers Comprehensive, Standard Saver, Domestic Plus, and Snow Sports Plus insurance plans.
When should I buy travel insurance?
You should get travel insurance as soon as you arrange your trip to ensure cover before departure.
What is the maximum age for cover?
Fast Cover provides plans for travelers up to 89 years old, with age restrictions ranging by policy type.
Can I buy a policy when I’m already overseas?
Yes, Fast Cover covers travelers abroad, if their requirements are satisfied. Eligibility requirements include being an Australian citizen or permanent resident and having been abroad for fewer than 14 days without insurance.
