Fast Cover travel insurance review 2026: 25 days to change your mind
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P. LauroreCo-founder & Travel and Credit Card Insurance ExpertLast updated: October 23, 2026Expert rating 4.3 out of 5. Fast Cover is an Australian online travel insurance brand. Fast Cover Pty Ltd (Australian Business Number 98 143 196 098, Australian Financial Services Licence 538708) issues the certificate under a binding authority with Certain Underwriters at Lloyd’s led by Canopius Managing Agents Limited, Syndicate 4444, so the company you buy from is not the company carrying the risk. Every limit in the wording is set in Australian dollars, and the policy is sold only to people living in Australia who hold an Australian Medicare card or an equivalent visa and health cover, on a trip that starts and ends there. The headline is unusually strong for the money: overseas emergency medical, hospital, evacuation and repatriation expenses are unlimited on five of the six policies, Basics included, and the money-back guarantee runs for 25 days. The catch is how much sits outside the base price. Search and rescue is excluded on every policy, snow, adventure and motorcycle cover are separate products, and Basics carries no cancellation at all. Best for someone who wants the largest possible medical ceiling from a low-cost online brand and will read the add-on list before paying. Least suited to anyone heading somewhere remote, skiing, or buying a single product and expecting it to hold everything.
Which travelers get real value from a Fast Cover policy, and which do not?
Fast Cover travel insurance earns 4.3 out of 5 from us, on the policy wording effective October 15, 2026. It buys an unlimited medical ceiling cheaply, and asks you to buy almost everything else as a separate product.
The strength is simple to state and simple to check. Benefit 2 of the wording pays overseas emergency medical and hospital expenses with no dollar ceiling on Comprehensive, Standard Saver, Basics, Snow Sports Plus and Frequent Traveller Saver, and benefit 4 does the same for evacuation and repatriation. A Lloyd's syndicate stands behind that promise. Personal liability reaches A$5,000,000 on Comprehensive, and the 25-day money-back guarantee is the longest cooling-off window we have read on an Australian wording.
The reservation is the shape of the policy around that ceiling. General exclusion 19 removes search and rescue costs charged by a government or a private operator, on every policy, with no option to add them back. Snow sports need their own policy, adventure activities need the Adventure Pack, a scooter needs the Motorcycle Pack plus a current Australian license, and a rental excess and specified valuables are bought line by line. Basics, the cheapest door into the brand, carries no cancellation, no travel delay and no luggage unless you pay for the A$2,000 option.
Who it suits: someone who wants the biggest possible medical and evacuation number for a modest premium and is honest with themselves about which packs their trip needs. Who it does not suit: anyone whose trip is built around a mountain, a ski field, a motorbike or a non-refundable booking they would struggle to lose.
- Unlimited overseas medical, hospital, evacuation and repatriation: Benefits 2 and 4 carry no dollar ceiling on five of the six policies, Basics included.
- A 25-day money-back guarantee: A full refund on any policy if the trip has not started and no right under the policy has been used.
- A Lloyd's binder behind the certificate: The risk sits with Certain Underwriters at Lloyd's led by Canopius Managing Agents Limited, Syndicate 4444.
- Cover that is still sold at 89: The policy is available to travelers aged 89 or under at purchase, well past where most online brands stop.
- You pick your own excess: The excess is chosen at quote time and printed on the certificate, so you can trade premium against risk yourself.
- Search and rescue is excluded outright: General exclusion 19 removes government and private search and rescue bills on every policy, with no pack that adds them back.
- Basics is medical and liability only: No cancellation, no travel delay, no passports or credit cards, and luggage only if you buy the A$2,000 option.
- Four separate products for four kinds of trip: Snow Sports Plus, Domestic Plus, Frequent Traveller Saver and the Adventure, Motorcycle and Bicycle packs are bought, not included.
- Unlimited is unlimited in dollars, not in time: Benefit 2 pays treatment for a maximum of 12 months from the date the sickness or the injury started.
- Depreciation eats a luggage claim before the excess does: Electronics lose 1.75% a month to a maximum of 60% of what you paid, and the excess comes off after that.
Every year, our experts audit each plan against its binding policy wording: coverage, limits and exclusions, cross-checked with real customer feedback and live market prices. The analysis is fully independent, with zero paid placements and no insurer able to pay to influence a rating. We compare travel insurance across every country and currency, using the plans, prices and cover actually offered in your country, not a single guide translated.
Learn moreComprehensive, Standard Saver or Basics: what actually changes between them?
Six policies share one medical promise and differ on everything else. Comprehensive is the full benefits list, Standard Saver trims cancellation to a fixed amount and drops eight benefits, and Basics keeps medical, dental, evacuation and liability and nothing more. The other three are written for one kind of trip each.
Policy | Who it is written for | Age limit at purchase | The condition that catches people |
Comprehensive Single trip, overseas | An ordinary overseas vacation, with every benefit except the four snow ones | 89 or under | Snow sports are still outside it: they need the Snow Sports Plus policy, not a pack |
Standard Saver Single trip, overseas | A budget overseas trip that still wants cancellation cover | 89 or under | Eight benefits disappear, including hospital cash, accidental death, travel delay and luggage delay |
Basics Single trip, overseas | Medical, dental, evacuation and liability only | 89 or under | No cancellation at all, travel delay and luggage both sit outside it, and luggage comes back only as a paid option |
Snow Sports Plus Single trip, snow | Skiing and snowboarding, with the Comprehensive benefits alongside | 69 or under | It is a separate policy, so you cannot add snow cover to a Comprehensive certificate |
Domestic Plus Single trip, inside Australia | Travel within Australia, more than 200 km from home | 89 or under | No medical cover of any kind, because Medicare and private health insurance are expected to pay |
Frequent Traveller Saver Annual multi-trip | Repeated overseas trips across 12 months | 75 or under | Cover for accompanying dependents is optional here, not automatic as it is on Single and Family |
Two rules sit outside that table and decide more cases than the benefits do. The policy is sold only to Australian citizens and permanent residents living in Australia with a valid Medicare card, or to temporary residents with a Medicare card or compliant private health insurance, a valid visa, a home in Australia and a return ticket, and the trip must start and end in Australia. And if you have already left, only Standard Saver, Comprehensive and Snow Sports Plus can be bought, by citizens and permanent residents aged 65 or under who have been away less than 14 days, with a 48-hour no-cover period on every benefit and a fixed A$500 excess you cannot reduce.
How far do the Fast Cover numbers go once the excess comes off?
The wording numbers 28 benefits and prints a limit for each one against each policy. Overseas emergency medical, hospital, evacuation and repatriation are unlimited on five of the six; everything with a dollar figure beside it is where the policies genuinely separate.
Benefit | Comprehensive | Standard Saver | Basics | Snow Sports Plus |
Overseas emergency medical and hospital Benefit 2 | Unlimited | Unlimited | Unlimited | Unlimited |
Evacuation and repatriation Benefit 4 | Unlimited | Unlimited | Unlimited | Unlimited |
Overseas emergency dental Benefit 3 | A$1,000 | A$750 | A$500 | A$1,000 |
Trip cancellation Benefit 5 | Unlimited | A$25,000 | No cover | Unlimited |
Trip disruption Benefit 6 | A$50,000 | A$30,000 | No cover | A$50,000 |
Luggage and personal effects Benefit 14 | A$15,000 | A$5,000 | Optional, A$2,000 | A$15,000 |
Travel delay expenses Benefit 16 | A$2,000 | No cover | No cover | A$2,000 |
Passports and credit cards Benefit 12 | A$5,000 | A$2,000 | No cover | A$5,000 |
Personal liability Benefit 18 | A$5,000,000 | A$2,500,000 | A$1,000,000 | A$5,000,000 |
Accidental death Benefit 9 | A$25,000 | No cover | No cover | A$25,000 |
Permanent disability Benefit 10 | A$50,000 | No cover | No cover | A$50,000 |
Overseas hospital cash Benefit 8 | A$5,000 | No cover | No cover | A$5,000 |
Rental vehicle excess Benefit 19 | Optional, A$8,000 | Optional, A$8,000 | No cover | Optional, A$8,000 |
COVID-19 cancellation and disruption Benefit 28 | A$5,000 | A$3,000 | No cover | A$5,000 |
Search and rescue General exclusion 19 | Excluded | Excluded | Excluded | Excluded |
Unlimited is a dollar statement, not a time one: benefit 2 pays overseas treatment and hospital accommodation for a maximum of 12 months from the date the sickness started or the injury happened. You have to call the assistance service if you are admitted to hospital, and also if outpatient treatment will pass A$2,000, or the policy can decline what that service would not have approved. If Fast Cover reasonably decides you should fly home for treatment and you refuse, it pays only what returning you to Australia would have cost, and you carry the rest. And repatriation means repatriation to Australia: medical expenses incurred once you are back there are not covered by this policy.
Luggage is where the printed limit and the paid amount drift furthest apart. Whatever your policy total, a single unspecified item is capped at A$3,000 for a stand-alone computer, camera or video recorder, A$1,500 for a phone, A$1,000 for a tablet and A$750 for anything else, and items stolen from an unattended vehicle are capped at A$200 each and A$2,000 in total. Depreciation then applies before the excess: 1.75% a month to a maximum of 60% on electronics, 1.75% a month to a maximum of 80% on clothing, shoes and suitcases, and 3% a month to a maximum of 80% on toiletries and medication. A two-year-old laptop bought for A$2,400 is therefore assessed at around A$1,392, and the excess you chose comes off that figure, not off the A$2,400.
Which Fast Cover products exist beyond a single overseas trip?
Six policies are only half the range. The brand also sells four optional packs and three add-on covers that change what a certificate includes, and each one has to be selected before you pay: none of them can be bought once the trip has started.
Product line | What it is | Who needs it |
Adventure Pack Optional on five policies | Adds abseiling, caving, zip lining, tandem parachuting, water skiing, grade IV and V rafting, contact sports, the Kokoda Track and trekking above 3,000 meters | Anyone whose activity is not printed on the closed list of covered sports; not available on Basics, and you must be 74 or under |
Motorcycle Pack Optional on five policies | Adds riding a motorcycle, moped or scooter as rider or passenger | Anyone renting a scooter abroad; it still requires a current Australian license for the engine size and a helmet, and racing or off-road riding stays excluded |
Bicycle Pack Optional, up to A$15,000 | Cover for your own bicycle, which the base luggage benefit does not carry at that level | Cycling trips; not available on Basics |
Rental Vehicle Excess Optional, A$5,000 or A$8,000 | Pays the excess on the rental company's own insurance after a crash | Anyone hiring a car, unless the hire contract already waives the excess |
Cruise cover Specified at purchase | Extends medical cover on board and to evacuation off a ship | One night or more in Australian waters, New Zealand or the South Pacific, or four nights or more in Asia, Europe or worldwide; river cruises need nothing |
Specified high value items A$10,000 total, A$5,000 per item | Declares valuables above the automatic single-item sub-limits | Camera kit, jewelry or instruments; available on Comprehensive, Snow Sports Plus and Frequent Traveller Saver only |
Duo and Family cover Pricing structure, not a benefit | Duo applies the limits to each traveler; Family doubles most limits for the household and covers up to 10 accompanying dependents | Couples and families; the brand publishes a 10% saving on duo cover against two single policies |
Which claims does this wording turn down, whatever you paid for?
Forty-nine general exclusions apply to every benefit on every policy, and no pack switches them off. Six of them refuse claims that buyers routinely assume are covered.
- Search and rescue: General exclusion 19 removes any search and rescue cost charged by a government, a regulated authority or a private organization. There is no pack, no policy and no upgrade that adds it.
- Riding without the right license: General exclusion 11 refuses any claim arising while you were in control of a motor vehicle without a current Australian driver's license, and exclusion 12 adds the Motorcycle Pack, the correct class of license and a helmet as conditions for any scooter claim.
- Racing, competition and off-road: General exclusion 10 refuses motocross, off-road riding, jumping, racing and competition of any sort, explicitly including when you have bought the Adventure Pack or the Motorcycle Pack.
- Epidemics and pandemics: General exclusion 14 removes anything related to an actual or threatened epidemic or pandemic, apart from the two named COVID-19 benefits.
- Traveling against an official warning: General exclusion 15 refuses claims where you ignored mass-media or government advice, including a Department of Foreign Affairs and Trade Do Not Travel rating issued after you bought.
- Missed boarding and entry refusals: General exclusion 6 removes being denied boarding over vaccination rules, booking errors, a missing visa or passport, and being refused entry to a country on arrival for any reason.
This is the one gap on a Fast Cover policy with no price attached to it, because nothing in the range covers it. A helicopter extraction from a trekking route is routinely billed to the walker by the operator or the national park, and the bill is the whole bill. For the reference trip priced on this page, one traveler aged 42 on 21 days in Japan, Go Explore + carries about US$6,844 of search and rescue, and WorldSecure Platinum, World Travel and Go Explore each carry about US$5,703. Those are HelloSafe catalog ceilings captured on October 19, 2026.
How much does Fast Cover travel insurance cost, and what moves the quote?
For the reference trip used throughout this page, one traveler aged 42 spending 21 days in Japan, real quotes on our own shelf ran from US$105.63 to US$139.12 for the whole trip on October 19, 2026, plus one plan quoted at a US$5.16 a day catalog rate. Fast Cover publishes no equivalent figure: on October 19, 2026 neither its international travel insurance page nor its plan comparison page carried a premium or a from-price, and the only published saving was 10% on duo cover.
What the wording does tell you is how the number is built, and the list is longer than most buyers expect. The premium is calculated from the policy you choose, your age, where you are going, the length of the trip, the time between purchase and departure, any medical or pregnancy condition accepted at screening and the options you add, plus government fees, taxes and charges including stamp duty and the goods and services tax, and any administration fee printed on the certificate. The excess is the lever buyers forget: you choose it at quote time, a higher one lowers the premium, and it is deducted from every accepted claim after depreciation and after the benefit limit have already been applied.
What you are paying for | Fast Cover Comprehensive | Best equivalent on our shelf |
A published starting price | None, quoted per trip only | US$5.16 a day catalog rate, Smart Travel Protection |
The cost of these 21 days | Only visible after a quote | US$105.63 for Go Explore, US$139.12 for Go Explore + |
Cancellation inside the base price | Yes, with no ceiling | Yes, up to US$40,000 of trip cost, Smart Travel Protection |
Search and rescue | Excluded on every policy | About US$6,844 per insured person, Go Explore + |
Adventure activities inside the base price | A closed list only, the rest needs the Adventure Pack | Extreme sports written into the wording, WorldSecure Platinum |
Snow sports inside the base price | Its own policy, bought instead of Comprehensive | Depends on the plan, read the wording for your resort |
Who is allowed to buy it | Residents of Australia with a Medicare card, trip starting and ending there | Priced from your own residence, whichever country that is |
Currency you are paid in | Australian dollars, into an Australian bank account | The currency of the plan you bought |
Two published Fast Cover figures are worth knowing before you click buy. A policy bought while you are already overseas carries a fixed A$500 excess that cannot be reduced, on top of a 48-hour no-cover period. And every claim is paid in Australian dollars into an Australian bank account you nominate, converted at the exchange rate of the day you incurred the expense rather than the day you are reimbursed, so a falling currency between the hospital and the payment is your risk, not the insurer's.
What happens to a condition you were treated for before you bought?
Nothing arising from a medical or pregnancy condition that existed in the three years before your policy issue date is covered, unless that condition is listed as covered on your certificate of insurance after a medical screening and you have paid any extra premium. Three years is a longer lookback than most wordings use.
The screening window also closes earlier than buyers assume. You can complete a screening from the moment you buy until the day you depart, but after the date of departure Fast Cover will not add a condition to the certificate at all. Worse, a listed condition stops being listed by itself: if your health changes between the issue date and departure, cover for those conditions is automatically excluded from the moment the change happened, unless you screen again and Fast Cover agrees to re-list them. A change in diagnosis, prognosis, treatment or even dosage counts, and so does an unexpected hospital admission.
General exclusion 22 then removes several things a screening never rescues: routine medical, dental, chiropractic, physiotherapy and prenatal check-ups, cosmetic treatment, planned procedures and non-emergency treatment, travel undertaken to seek medical advice or treatment, and undiagnosed symptoms you were aware of, including persistent cough, chest pain, shortness of breath or unexplained bleeding. A close relative's condition is only ever considered under the cancellation, disruption and resumption benefits, and only if that relative is 84 or younger, lives independently in Australia and is not waiting on surgery or tests. If your own history is the reason you are shopping, read what pre-existing condition travel insurance actually has to clear before you compare premiums.
What does Fast Cover need from you before a claim is settled?
Fast Cover commits to processing a claim within 10 business days of receiving a completed claim form and all supporting documents, and to writing to you inside those same 10 business days if it needs more. The deadlines that sit before that commitment are yours to meet.
- Call before you spend on anything medical. The emergency line runs 24 hours a day on +61 2 8320 7999 from overseas, and prior contact is required for a hospital admission and for outpatient treatment that will pass A$2,000.
- Report a theft or loss to the police as soon as practicable, preferably within 24 hours, and get the written report. Airline or hotel damage goes to an official of that company on the same timetable.
- Notify every non-medical claim within 30 days of your return, in writing, with full details. The wording lets Fast Cover reduce what it pays by the amount of any prejudice a late or incomplete file causes it.
- Send proof of ownership with the file. Without receipts, valuations or equivalent evidence, the claim may not be processed at all, and translations into English can be required at your expense.
- Expect the decision in 10 business days from a complete file, and expect the settlement method to be the insurer's choice between repair, replacement and the purchase price less depreciation.
- Take a disagreement to the internal complaints process first, then to the Australian Financial Complaints Authority at info@afca.org.au, free of charge and within two years of the decision.
How does a 4.8 Trustpilot score square with what the wording says?
Fast Cover scores 4.8 out of 5 from 1,152 reviews on Trustpilot, read on October 19, 2026, with 794 of them posted in the last 12 months: 84% are five-star, 11% four-star and 4% one-star. The separate rating on comparetravelinsurance.com.au, whose Fast Cover page was updated on June 1, 2026, is 4.1 out of 5 from 119 reviews.
Read the two numbers together and the pattern is consistent with the wording. The praise is overwhelmingly about the purchase: a fast quote flow, documents written in plain English and staff who answer the phone. Very little of it describes a settled claim, which is what you would expect from a brand selling a product most buyers never use. The complaints cluster in three places, and each has a clause behind it: age limits that block older travelers from certain policies, extra documentation requested at claim time, and the discovery that Comprehensive still needed add-ons. None of that makes the score dishonest; it means the score measures the shop, not the settlement.
Which number do you dial from a hospital bed overseas?
One number matters more than the others: +61 2 8320 7999, the 24-hour emergency assistance line, reachable from anywhere in the world. Calling it before treatment is a condition of the medical benefit, not a courtesy.
What you need | From overseas | Inside Australia | Online |
Emergency assistance 24 hours, every day | +61 2 8320 7999 | (02) 8320 7999 | emergency@fastcover.com.au |
Claims Lodge or chase one | +61 2 8215 7239 | 1300 409 322 | fastcover.com.au/claims, claims@fastcover.com.au |
Sales and policy changes Quotes, dates, extensions | +61 2 8215 7239 | 1300 409 322 | info@fastcover.com.au |
A complaint that is going nowhere External, free of charge | Australian Financial Complaints Authority | Australian Financial Complaints Authority | info@afca.org.au |
Which plans close the gaps a Fast Cover policy leaves open?
The useful question is not which brand is cheaper, because Fast Cover publishes no price and only sells inside Australia. It is which plan covers the thing your trip actually turns on. If that thing is a mountain, a ski field, a scooter or a non-refundable booking, the answer is rarely the base policy you were about to buy.
Two sibling reviews are worth reading next to this one if you are shortlisting Australian brands: our 1Cover travel insurance review covers a range built the same way, with a closed sports list and the same search and rescue exclusion, and our Cover-More travel insurance review covers the brand that sells unlimited medical with five separate add-ons. If the gap you are trying to close is a non-refundable trip rather than a hospital bill, start from what travel cancellation insurance has to pay before you compare premiums, and if it is the hospital bill itself, travel medical insurance is the ceiling to read first.
Which of these we would put in front of a Fast Cover quote
Start from the one thing no Fast Cover policy will pay, because that is where the real difference sits. Go Explore + is the answer if your trip goes anywhere remote: it carries the largest medical ceiling on this shortlist at about US$570,320, repatriation at actual cost with no number to run out of, and around US$6,844 of search and rescue, which is the exact benefit Fast Cover excludes on every policy. Smart Travel Protection is the pick when the money at risk is the trip rather than the hospital: cancellation is already inside the policy, up to US$40,000 of trip cost. WorldSecure Platinum is the middle road when the activity has to be written into the wording instead of bought as a pack, and it still refunds up to about US$10,266 of a canceled trip. Two honest caveats: neither Go Explore plan refunds a canceled trip at all, and every ceiling here should be judged on your own dates, destination and age rather than on ours. The cards below show today’s price for your dates.
Included coverage
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Quotes captured on 19 October 2026 on hellosafe.com for the reference trip used throughout this page: one traveler aged 42, 21 days in Japan (10 February to 3 March 2027), residence United States, no cancellation option added, in US dollars. Read the two kinds of figure differently. Smart Travel Protection shows a per-day catalog rate its partner returns unchanged whatever the age, the destination or the trip length, so treat it as a starting point and take the real premium from the quote. Go Explore +, WorldSecure Platinum, World Travel and Go Explore price the trip itself, so their figures are the full cost of these 21 days. Ceilings for the pan-European plans are shown in US dollars at the same live exchange rate these cards use. Fast Cover is not part of this comparison and is not sold on HelloSafe.
HelloSafe is available as an app inside ChatGPT. Install it from ChatGPT’s Apps tab, then type @HelloSafe and pick “HelloSafe Travel Insurance”: give your destination and dates to compare travel insurance, or ask what your bank card covers.
Fast Cover travel insurance: the answers buyers look for before they pay
We rate it 4.3 out of 5. The medical side is genuinely strong: overseas emergency medical, hospital, evacuation and repatriation expenses are unlimited on five of the six policies, Basics included, and personal liability reaches A$5,000,000 on Comprehensive. The reservations are search and rescue, excluded outright by general exclusion 19 on every policy, and the number of covers sold separately, from snow sports to the Adventure Pack. Buyers rate it 4.8 out of 5 from 1,152 Trustpilot reviews and 4.1 out of 5 from 119 reviews on comparetravelinsurance.com.au.
Certain Underwriters at Lloyd’s, led by Canopius Managing Agents Limited, Syndicate 4444. Fast Cover Pty Ltd, Australian Business Number 98 143 196 098, Australian Financial Services Licence 538708, issues the certificate under a binding authority from those underwriters, which lets it enter into, cancel or vary the policy without referring back to them. The wording states plainly that Fast Cover acts for the underwriters and not for you.
Only if you declare the condition, complete the medical screening and it is listed as covered on your certificate of insurance, with any extra premium paid. The lookback is three years before the policy issue date, which is longer than most wordings. A change in your health between buying and departing automatically removes that listing unless you screen again, and after the date of departure Fast Cover will not add a condition at all.
Fast Cover publishes no starting price. Checked on October 19, 2026, neither its international travel insurance page nor its plan comparison page carried a premium, so the only way to see a figure is to run a quote. The wording lists what the number is built from: the policy chosen, your age, your destination, the trip length, the gap between purchase and departure, any screened medical condition, the options you add, and government fees, taxes and charges including stamp duty and the goods and services tax.
The only discount the brand publishes itself is 10% off duo cover, which applies to two travelers on the same itinerary for at least 75% of the trip, against the cost of two single policies. There is no published promo code. A discount on an unpublished price is hard to evaluate, so compare what the policy includes before you weigh the saving: cancellation, snow, adventure and rental excess are priced separately here.
The policy is available to travelers aged 89 or under at the date of purchase, which is higher than most online brands. Three products stop earlier: the Snow Sports Plus policy needs you to be 69 or under at policy issue, the Frequent Traveller Saver policy stops at 75, and the Adventure Pack needs you to be 74 or under. Buying a policy once you are already overseas is restricted to travelers aged 65 or under. All age limits are measured when you buy, not when you travel.
Not on Comprehensive, Standard Saver or Basics. Recreational skiing and snowboarding are covered by the separate Snow Sports Plus policy, which you buy instead of a Comprehensive policy rather than as an add-on to it, and which is only sold to travelers aged 69 or under. That policy also carries A$1,500 of snow sports equipment cover, A$1,500 of replacement hire, A$750 of prepaid expenses and A$1,000 for a resort closure.
Sometimes, and on worse terms. Only Standard Saver, Comprehensive and Snow Sports Plus can be bought from overseas, only by Australian citizens and permanent residents aged 65 or under who have been away less than 14 days or have been continuously insured, and who hold a Medicare card and a home to return to. A 48-hour no-cover period then applies to every benefit, and the excess is fixed at A$500 and cannot be reduced. Working holiday and tourist visa holders cannot buy after departure at all.
Fast Cover commits to processing a claim within 10 business days of receiving a completed claim form and all supporting documents, or to writing to you within those 10 business days if more is needed. You have to notify non-medical claims within 30 days of your return, and medical claims should be raised through the assistance line before you spend. Payment is made in Australian dollars into an Australian bank account you nominate.
Yes, within 25 days of the purchase date, for a full refund, provided the trip has not started and you have not used any right under the policy. Between 26 and 366 days a Basics policy returns 70% of the premium and every other policy 60%. Three things end the right to a refund: making or intending to make a claim, starting the trip even inside the 25 days, and using the certificate of insurance to obtain a visa or entry to a country.
Last updated on October 19, 2026. Every Fast Cover figure on this page comes from the Combined Financial Services Guide and Product Disclosure Statement effective October 15, 2026, read in full on that date; HelloSafe prices and ceilings were captured on October 19, 2026 for one traveler aged 42 on a 21-day trip to Japan from a United States residence.
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