Fast Cover
The terms
- Fast Cover PDS, 22 March 2025
- Target Market Determination: A TMD page is linked from the home page but lists no document; not yet resolved to a URL.
A travel premium is priced from the trip, so for a price ask Fast Cover — through fastcover.com.au, by phone, or through whoever sells it.
Plans
Plans
Every limit for one plan: Comprehensive · Standard Saver · Basics · Snow Sports Plus · Domestic Plus · Frequent Traveller Saver
21 of these benefit names read as fragments: this document wraps a benefit’s name across lines in a way the extraction does not separate. The limits are read from the right row; it is the names that are unreliable.
| Benefit | Comprehensive | Standard Saver | Basics | Snow Sports Plus | Domestic Plus | Frequent Traveller Saver | Excess |
|---|---|---|---|---|---|---|---|
| Benefit name and number 1. Overseas 24/7 | Unlimited* | Unlimited* | Unlimited | Unlimited | No Cover | Unlimited | |
| Assistance 2. Overseas | Unlimited | Unlimited | Unlimited | Unlimited | No Cover | Unlimited | |
| and Hospital Expenses 3. Overseas | $1000 | $750 | $500 | $1000 | No Cover | $1000 | |
| Emergency Dental 4. Overseas | Unlimited | Unlimited | Unlimited | Unlimited | No Cover | Unlimited | |
| and Repatriation 5. Trip Cancellation | Unlimited* | $25,000* | No Cover | Unlimited | Unlimited | Unlimited | |
| Expenses 6. Trip Disruption | $50,000* | $30,000* | No Cover | $50,000* | $50,000* | $50,000* | |
| Expenses 7. Trip Resumption | $3,000* | $2,000* | No Cover | $3,000* | $3,000* | $3,000* | |
| Expenses 8. Overseas Hospital | $5,000* | No Cover | No Cover | $5,000* | No Cover | $5,000* | |
| Cash Payment 9. Accidental Death | $25,000* | No Cover | No Cover | $25,000* | $25,000* | $25,000* | |
| Permanent | $50,000* | No Cover | No Cover | $50,000* | No Cover | $25,000* | |
| Disability 11. Loss of Income | — | No Cover | No Cover | — | No Cover | — | |
| Benefit name and number 12. Passports, Credit | $5,000 | $2,000 | No Cover | $5,000 | No Cover | $5,000 | |
| Fraud 13. Theft of Cash | $250 | No Cover | No Cover | $250 | No Cover | $250 | |
| Luggage and | $15,000* | $5000* | — | $15,000* | $7,500* | $15,000* | |
| Delay of Luggage | $750* | No Cover | No Cover | $750* | No Cover | $750* | |
| and Personal Effects 16. Travel Delay | $2,000* | No Cover | No Cover | $2,000* | $2,000* | $2,000* | |
| Expenses 17. Special Event | $5,000 | No Cover | No Cover | $5,000 | $5,000 | $5,000 | |
| Transport Expenses 18. Personal Liability | $5 million | $2.5 million | $1 million | $5 million | $5 million | $5 million | |
| Rental Vehicle | — | — | No Cover | — | $5,000 | — | |
| Snow Sports | No Cover | No Cover | No Cover | $1,500* | $1,500* | No Cover | |
| Equipment 21. Snow Equipment | No Cover | No Cover | No Cover | $1,500 | $1,500 | No Cover | |
| Replacement Hire 22. Snow Prepaid | No Cover | No Cover | No Cover | $750 | $750 | No Cover | |
| Expenses 23. Snow Resort | No Cover | No Cover | No Cover | $1,000* | $1,000* | No Cover | |
| years of | $25,000 | $25,000 | $25,000 | $25,000 | — | — | |
| to 75 years | $25,000 | No cover | $25,000 | $25,000 | — | — | |
| to 79 years | $25,000 | No cover | $25,000 | No cover | — | — | |
| to 89 years | $20,000 | No cover | $20,000 | No cover | — | — | |
| Excess* | $0 | $0 | $0 | $0 | — | — | no |
| age and | $50,000 | $50,000 | $25,000 | — | — | — | |
| to 75 | $50,000 | No cover | $25,000 | — | — | — | |
| to 79 | $50,000 | No cover | No cover | — | — | — | |
| to 89 | $20,000 | No cover | No cover | — | — | — |
Getting a quote
- The age of every traveller to be covered, not just the eldest.
- Destination, and whether the trip includes a cruise or snow sports, which are often priced or excluded separately.
- Departure and return dates, and for an annual policy the longest single trip.
- The trip cost already paid and non-refundable, which is what a cancellation limit has to cover.
- Any pre-existing medical condition, which is assessed inside the quote and can change the price or the cover.
- Whether they already hold travel cover through a credit card or health fund.
Who stands behind it
Who carries the risk decides who pays a claim and nothing else: it does not set the price and it does not change what the plans above cover. It is here because a brand’s own site mostly does not say it, and because several of these brands turn out to share one insurer.
| Insurer | Certain Underwriters at Lloyd's |
| Register | Lloyd’s underwriters, who carry Australian risk under Lloyd’s own authorisation rather than as a company on APRA’s register |
| Sold by | not stated |
| Cooling off | 25 days |
Fast Cover Travel Insurance is promoted by Fast Cover and insured by Certain Underwriters at Lloyd’s
Data
fast-cover.json: this page as data.- Every brand and who underwrites it, and every insurer and plan.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. This dataset holds no travel insurance premiums, because no price list is published for them: it reports what travellers pay in premiums and what comes back as claims across the whole class of business, what each policy covers, and who is authorised to underwrite it. It cannot tell you what a trip would cost to insure, and a class-wide ratio says nothing about any one insurer or trip. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.