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Adventure Pack
Cover for activities like abseiling, quad biking, hiking above 3000m and up to 6000m, scuba diving & more.
sub-limits:
Comprehensive Travel Insurance
Comprehensive travel insurance is Fast Cover's most popular policy option, as it provides the highest level of cover for a wide range of unexpected situations.
It’s always exciting to plan out where you’re going to go, how you’re going to get there and what you’re going to do. But whether you’re touring famous landmarks and museums in Europe, going on a road trip across the USA, sampling the culinary delights of Asia, or cruising the icy waters of Alaska, you should consider adding 'find a suitable insurance policy' to the top of your to-do travel list.
Everyone wants holidays to go smoothly, but who knows what emergencies may arise?
What if you slip over on the cobblestones in France and injure yourself, or a volcanic ash cloud results in your flights home from Bali being cancelled, or you have your bag snatched in Brazil?
Having travel insurance means that you may be able to be reimbursed for those unexpected expenses if something does go wrong on your holiday.
Why should you get Comprehensive travel insurance?
Our Comprehensive policy not only offers great cover for your cancellation costs if you can’t travel due to a medical reason, but you’ll also be covered for a wide range of different situations that can happen anywhere in the world.
The Comprehensive policy includes our highest level of cover for luggage and personal belongings, travel delays and special event transport expenses, plus a high level of income protection, cover for permanent disability and accidental death.
And if you miss your connecting flight due to natural disaster and you’re stuck in transit, or the airline misplaces your luggage and you need to buy a few essential items to tie you over, our Comprehensive policy may be able to help you out there too.
What is the difference between Comprehensive and Standard Saver cover?
Our Comprehensive travel insurance offers several unique benefits that are not included in the Standard Saver policy.
The table below will help you to compare the different benefits and limits of our Comprehensive and Standard Saver policies:
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. # These benefit limits are shared between Duo policy holders. ~ 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. ^ Cover under these benefits are excluded while travelling within Australia. 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 |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
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Overseas 24/7 Emergency Medical Assistance^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
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Funeral/cremation Overseas and/or bringing your remains back to Australia (per person) |
$20,000 | $20,000 | $20,000 | $20,000 | $20,000 | |
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Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person) |
$60,000 | ––– | $60,000 | $60,000 | $60,000 | $60,000 |
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Overseas Emergency Medical & Hospital Expenses^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
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Overseas Emergency Dental^ |
$500 | ––– | $750 | $1,000 | $1,000 | $1,000 |
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Overseas Emergency Evacuation & Repatriation^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
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Overseas Hospital Cash Payment^ sub-limits: |
––– | ––– | ––– | $5,000 | $5,000 | $5,000 |
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Daily Limit (per person) |
$50 | $50 | $50 | |||
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Accidental Death Travellers Aged 80 to 89: |
––– | $25,000 $20,000 |
––– | $25,000 $20,000 |
$25,000 $20,000 |
$25,000 $20,000 |
|
Accidental Death for travellers up to age 79 |
$25,000 | $25,000 | $25,000 | $25,000 | ||
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Accidental Death for travellers aged 80 - 89 |
$20,000 | $20,000 | $20,000 | $20,000 | ||
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Accidental Death of a Dependant (per Dependant) |
$5,000 | $5,000 | $5,000 | $5,000 | ||
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Permanent Disability^ Travellers Aged 80 to 89: |
––– | ––– | ––– | $50,000 $20,000 |
$50,000 $20,000 |
$25,000 $20,000 |
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Permanent Disability for travellers up to age 79 |
$50,000 | $50,000 | $25,000 | |||
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Permanent Disability for travellers aged 80 - 89 |
$20,000 | $20,000 | $20,000 | |||
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Permanent Disability of a Dependant (per Dependant) |
$5,000 | $5,000 | $5,000 | |||
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Loss of Income^ sub-limits: |
––– | ––– | ––– | $10,400 | $10,400 | $10,400 |
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Weekly Limit (per person) - up to 26 weeks |
$400 | $400 | $400 |
Financial Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
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Trip Cancellation Expenses sub-limits: |
––– | Unlimited | $25,000 | Unlimited | Unlimited | Unlimited |
|
Travel Agents Cancellation Fees |
$1,500 | $1,500 | $1,500 | $1,500 | $1,500 | |
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Close Relatives that do not meet Close relative conditions |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | |
|
Personal Liability~ |
$1,000,000 | $5,000,000 | $2,500,000 | $5,000,000 | $5,000,000 | $5,000,000 |
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Trip Disruption Expenses sub-limits: |
––– | $50,000 | $30,000 | $50,000 | $50,000 | $50,000 |
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Close Relatives with a Pre-existing Medical Condition |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | |
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Trip Resumption Expenses |
––– | $3,000 | $2,000 | $3,000 | $3,000 | $3,000 |
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Luggage & Personal Effects sub-limits: |
Optional up to $2,000 |
$7,500 | $5,000 | $15,000 | $15,000 | $15,000 |
|
Stand-alone personal computers, cameras and video recorders (excluding devices with integrated cameras or recording functions, such as mobile phones, Drones or similar devices) (per item) |
$3,000 | $3,000 | $3,000 | $3,000 | $3,000 | $3,000 |
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Mobile phones (per item) |
$1,500 | $1,500 | $1,500 | $1,500 | $1,500 | $1,500 |
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Tablets (per item) |
$1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 |
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All other unspecified items (per item) |
$750 | $750 | $750 | $750 | $750 | $750 |
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Luggage and Personal Effects stolen from a Locked Storage Compartment of an unattended vehicle during daylight hours. We will pay up to $200 for each item and $2,000 in total for all stolen items. |
$2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 |
|
Passports, Credit Cards & Credit Card Fraud^ |
––– | ––– | $2,000 | $5,000 | $5,000 | $5,000 |
|
Special Event Transport Expenses |
––– | $5,000 | ––– | $5,000 | $5,000 | $5,000 |
|
Rental Vehicle Excess#~ sub-limits: |
––– | $5,000 | Optional up to $8,000 |
Optional up to $8,000 |
Optional | Optional |
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Return of Rental Vehicle |
$500 | $500 | $500 | $500 | $500 | |
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Travel Delay Expenses sub-limits: |
––– | $2,000 | ––– | $2,000 | $2,000 | $2,000 |
|
Daily Limit (per person) (we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay) |
$200 | $200 | $200 | $200 | ||
|
Delay of Luggage and Personal Effects^ |
––– | ––– | ––– | $750 | $750 | $750 |
|
Theft of Cash^~ |
––– | ––– | ––– | $250 | $250 | $250 |
Snow Sports Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
Snow Sport Equipment |
––– | $1,500 | ––– | ––– | $1,500 | ––– |
|
Snow Equipment Replacement Hire |
––– | $1,500 | ––– | ––– | $1,500 | ––– |
|
Snow Prepaid Expenses |
––– | $750 | ––– | ––– | $750 | ––– |
|
Snow Resort Closure~ sub-limits: |
––– | $1,000 | ––– | ––– | $1,000 | ––– |
|
Daily Limit (per person) |
$100 | $100 |
COVID-19 Benefits |
Basics | Domestic Plus | Standard Saver | Comprehensive | Snow Sports Plus | Frequent Traveller Saver |
|---|---|---|---|---|---|---|
|
COVID-19 Overseas Emergency Medical, Hospital & Medical Evacuation Expenses^ |
Unlimited | ––– | Unlimited | Unlimited | Unlimited | Unlimited |
|
Funeral/cremation Overseas and/or bringing your remains back to Australia (per person) |
$20,000 | ––– | $20,000 | $20,000 | $20,000 | $20,000 |
|
Repatriation of your mortal remains from a Schengen listed country back to Australia (only if you have an approved and valid Schengen visa)(per person) |
$60,000 | ––– | $60,000 | $60,000 | $60,000 | $60,000 |
|
COVID-19 Trip Cancellation & Disruption |
––– | $3,500 | $3,000 | $5,000 | $5,000 | $5,000 |
Who should purchase Comprehensive travel insurance?
Fast Cover’s Comprehensive travel insurance policy has the largest variety of benefits and our highest dollar amount of cover for each benefit compared to the Standard Saver and Basics policies.
It's designed for travellers who want to make sure that they have a high level of cover for their holiday and can be suitable for:
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No matter where you're headed, our Comprehensive travel insurance may be able to provide you with the cover that you need.
Optional extras for Comprehensive insurance
However you plan to travel, our travel insurance policies are designed to be flexible so you can customise the level of cover to best suit your trip.
Some of options the Comprehensive policy allows you to add on, include:
Motorcycle Pack
Cover for riding or being a passenger on a Motorcycle, moped or scooter.
Rental Vehicle Excess Insurance
Cover for the excess payable if your rented vehicle is in an accident.
High Value Items
Separately insure high value items up to $5,000. Depreciation is not applied to these items.
Why get Comprehensive travel insurance with Fast Cover?
We understand that buying travel insurance is not exactly the most thrilling part of planning a holiday, so we've made it as fast and simple as possible so you can get back to more exciting things like booking your tours and activities!
You can list all the countries that you're travelling to, but if you're headed off on a worldwide cruise or backpacking adventure across multiple continents, you don't need to list every single country on your itinerary. We've simplified things by categorising all countries into several regions, so all you have to do is select the highest region that suits your trip and you can have cover for travel to the countries within that region, plus the regions below it. Find out more information on how to choose your travel destination, including the countries that we can't provide cover for, in our Which country or travel insurance region do I choose? page.
Planning to travel but have an existing medical condition? We may be able to help - our travel insurance can provide cover for many existing medical conditions, just in case the unexpected happens on your trip.
Check out our Medical Conditions page for more information about medical screening for your existing medical and pregnancy conditions including information about the General Exclusions that may apply*.
We also offer a money back guarantee on every Fast Cover policy if you contact us to cancel your policy within 25 days of the purchase date, as long as you haven't started your trip and you don't need to use the policy to make a claim.
Compare our Comprehensive travel insurance to other similar policies and you may find that we can provide you with great cover at a competitive price.
It's high-quality Comprehensive travel insurance made simple and affordable.
Things you need to know
^ Price as at 27/10/2024 compared to the price calculated today for this policy.
* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.
^ Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply to all policies. Make sure you consider the PDS and TMD at fastcover.com.au prior to deciding whether travel insurance is right for you and which policy is right for you and your individual needs.
† Fast Cover has a referral arrangement with this company. Awards are only one factor to be taken into account when deciding whether this product is right for you. Check Product Review, Canstar and Finder for current awards.
# We offer a money back guarantee up to 25 days if you have not started your trip and have not used any of your rights under the Policy (e.g. you have not made a claim or used your policy to obtain a visa). You have a full 25 days from the purchase date of the Policy (as set out in the Certificate of insurance) to make sure you are happy with every aspect of your Fast Cover Travel Insurance Policy and in accordance with our regulatory obligations. This is known as the “cooling off” period. During this time, you may cancel the Policy simply by contacting us and we will give you a full refund. If you decide to cancel your policy outside of this cooling off period, you may be eligible for a partial refund as described in PDS.
° Ratings are only one factor to be taken into account when deciding whether this product is right for you. The star rating is accurate as of 13/08/25. Check Product Review and Google for current ratings.
~ These are only some of the resources, please do your own research to find out more information as per your specific needs and circumstances and to confirm whether the information provided in these resources is correct and current.