FastCover has been quietly becoming one of Australia's most trusted travel insurers while the bigger brands get most of the attention. Australian owned, backed by Lloyd's of London underwriters, and rated 4.6 stars from over 24,000 reviews on ProductReview — it's a genuinely strong product that's often 10–20% cheaper than Cover-More for equivalent coverage. This review breaks down everything Australians need to know before buying.
What Is FastCover?
FastCover is an Australian-owned travel insurance company distributing directly through its website at fastcover.com.au. Policies are underwritten by certain underwriters at Lloyd's of London — the same underwriting market used by 1Cover and many other Australian travel insurers. Lloyd's backing provides genuine financial strength and claims-paying ability.
FastCover operates a 24/7 emergency assistance line staffed by Australian-based teams and has been operating since 2006. Its multiple industry award wins and consistently high ProductReview ratings reflect a claims experience that punches above its price point.
FastCover Policy Range
FastCover offers six main policy types for international travel:
| Policy | Best For | Cancellation Cover | Medical Cover |
|---|---|---|---|
| Comprehensive | Most Australian travellers | Unlimited | Unlimited |
| Standard Saver | Budget-conscious, some flexibility | Up to AUD $10,000 | Unlimited |
| Basics | Medical-only focus, minimal extras | Limited | Unlimited |
| Snow Sports Plus | Ski holidays — replaces standard policy | Unlimited | Unlimited |
| Domestic Plus | Travel within Australia | Up to AUD $5,000 | N/A (Medicare applies) |
| Frequent Traveller Saver | Multiple trips per year (annual) | Unlimited | Unlimited |
For most Australians travelling internationally, the Comprehensive policy is the right choice. The Standard Saver is worth considering for short trips with flexible or low-cost bookings where the cancellation cover difference is less important.
FastCover Comprehensive — What's Covered
| Coverage Area | FastCover Comprehensive |
|---|---|
| Overseas medical expenses | Unlimited |
| Emergency evacuation | Unlimited |
| Trip cancellation | Unlimited (up to total trip cost) |
| Trip interruption | Unlimited |
| Luggage and personal effects | AUD $10,000 (sub-limits apply) |
| Electronics per item | AUD $1,000 (AUD $3,000 with Valuable Items add-on) |
| Travel delay (per day after 6 hours) | AUD $200/day up to AUD $3,000 |
| Personal liability | AUD $5,000,000 |
| COVID-19 cover | Yes — overseas medical and cancellation |
| 24/7 emergency assistance | Yes — Australian-based team |
FastCover Add-Ons
FastCover's modular add-on system lets you customise coverage without paying for inclusions you don't need:
- Cruise Cover — cabin confinement, missed port departure, itinerary change. Essential for any cruise travel.
- Snow Sports Plus — skiing, snowboarding, ice skating, snowmobiling. Also covers instructor-accompanied off-piste, glacier snowboarding, and heli-skiing. Replaces the base policy rather than adding to it.
- Adventure Pack — covers selected high-risk activities not included in the standard policy. Check the specific activity list in the PDS.
- Motorcycle and Moped Add-On — covers riding motorbikes, mopeds, and scooters overseas with a valid licence. Essential for Bali, Thailand, and Lombok travel where scooter hire is standard.
- Rental Vehicle Insurance Excess — covers the excess charged by rental companies if the rental vehicle is damaged or stolen.
- Valuable Items Cover — increases per-item limits for cameras, laptops, and other high-value electronics above the standard AUD $1,000 per-item cap.
How Much Does FastCover Cost?
Indicative pricing for a healthy traveller with no pre-existing conditions on a Comprehensive policy:
| Destination | Trip Duration | Age 30 | Age 45 | Age 60 |
|---|---|---|---|---|
| Bali / Indonesia | 14 days | AUD $90–115 | AUD $130–165 | AUD $220–280 |
| Thailand | 14 days | AUD $95–120 | AUD $140–175 | AUD $235–295 |
| Japan | 14 days | AUD $120–150 | AUD $170–215 | AUD $290–360 |
| Europe | 21 days | AUD $145–185 | AUD $210–265 | AUD $360–450 |
| USA | 14 days | AUD $175–220 | AUD $255–320 | AUD $430–540 |
These are indicative ranges — always get a personalised quote at fastcover.com.au with your specific trip details and health declarations. Pre-existing conditions will affect pricing.
FastCover Claims Experience — What Real Australians Say
FastCover's claims reputation is genuinely one of its strongest selling points. ProductReview shows over 24,000 reviews averaging 4.6 stars — an unusually high volume of reviews for a travel insurer, suggesting a large customer base with a generally positive experience.
Patterns from customer reviews:
- Claims speed is consistently praised — multiple reviewers report claims settled within 24–72 hours for straightforward cases
- Overseas support is rated highly — Australian-based emergency team is accessible and responsive during genuine emergencies
- Medical emergency handling — strong reviews for major medical events including overseas surgery, with proactive follow-up after return to Australia
- Natural disaster claims — positive reviews for claims related to the January 2026 Whitsundays weather event, suggesting responsive handling of weather-related disruption
Genuine criticisms from reviews:
- Phone support quality varies — some reviews note inconsistent experiences with specific representatives
- Documentation requirements can be extensive for complex claims
- Some older travellers have reported difficulty with the online-only claims process
FastCover vs Cover-More
| FastCover Comprehensive | Cover-More Comprehensive | |
|---|---|---|
| Overseas medical | Unlimited | Unlimited |
| Cancellation | Unlimited | Unlimited |
| Luggage | AUD $10,000 | AUD $10,000 |
| Price (14-day Bali, age 35) | AUD $95–125 | AUD $120–155 |
| Price difference | ~15–20% cheaper | — |
| Underwriter | Lloyd's of London | Zurich Insurance |
| Emergency assistance | Australian-based, 24/7 | Australian-based, 24/7 |
| Cruise cover | Add-on required | Add-on required |
| Snow sports | Snow Sports Plus policy | Add-on available |
| Scooter cover | Motorcycle add-on required | Included with valid licence |
| Brand recognition | Strong but newer | Market leader since 1986 |
Verdict: FastCover is genuinely competitive with Cover-More. For most standard trips, the coverage is equivalent and FastCover is meaningfully cheaper. Cover-More has the edge in brand recognition and the scooter coverage not requiring a separate add-on. FastCover wins on price and claims speed reputation.
FastCover vs World Nomads
| FastCover Comprehensive | World Nomads Standard | |
|---|---|---|
| Overseas medical | Unlimited | Unlimited |
| Cancellation | Unlimited | Up to total trip cost |
| Adventure activities | Adventure Pack add-on | 150+ activities included |
| Price (14-day Bali, age 35) | AUD $95–125 | AUD $155–195 |
| Skiing | Snow Sports Plus policy | Not included (Explorer tier) |
| Buy after departure? | No | No |
| Long-term travel | Annual multi-trip option | Per-trip only |
Verdict: FastCover is better value for standard trips where you don't need the full breadth of World Nomads' adventure activity coverage. World Nomads Standard is the better choice for adventure-heavy trips — it includes 150+ activities in the base policy without needing to add specific packs.
FastCover vs 1Cover
These two are the most direct competitors — both Lloyd's backed, both online-first, both competitively priced for Australian travellers.
- Pricing: Very similar — compare both directly for your specific trip as the better value varies by destination, age, and trip length
- Family policies: 1Cover has slightly stronger family pricing with children often included free. FastCover's Family policy covers up to 10 dependants under 21
- Claims reputation: Both rated highly on ProductReview — FastCover has a larger review volume
- Annual policies: Both offer Frequent Traveller annual options — compare directly for your travel frequency
Verdict: Compare both for your specific trip. FastCover and 1Cover are the most directly comparable products in the Australian market. Run a quote on each and compare the Comprehensive tier — whichever is cheaper with equivalent coverage terms is the right answer.
Who FastCover Suits Best
- Australian mainstream travellers heading to Asia (Bali, Thailand, Japan) or Europe wanting comprehensive coverage at competitive pricing
- Families — the Family policy structure is well-designed and competitively priced
- Cruise travellers — the Cruise Cover add-on is comprehensive and specific
- Skiers — the Snow Sports Plus policy is one of the more comprehensive ski-specific options available from an Australian insurer
- Frequent travellers — the Frequent Traveller Saver annual policy is competitive for 3+ trips per year
Who FastCover Suits Less Well
- Adventure travellers needing broad activity coverage — World Nomads Standard covers 150+ activities in the base policy without add-ons; FastCover requires the Adventure Pack for non-standard activities
- Long-term travellers without fixed return dates — SafetyWing's monthly subscription model is better suited to open-ended travel
- Travellers who prefer phone-first purchasing and support — FastCover is digital-first; those who want extensive phone-based guidance may prefer Cover-More's more established support infrastructure
How to Get a FastCover Quote
Get a personalised quote directly at fastcover.com.au. Enter your destination, travel dates, traveller ages, and any pre-existing medical conditions during the quote process. Policy documents are issued immediately after purchase by email. The 24/7 emergency assistance number is on your policy certificate — save it in your phone before departure.
For comparison, also see our Complete Travel Insurance Comparison for Australians which covers FastCover alongside Cover-More, World Nomads, 1Cover, SafetyWing and Southern Cross.
Our Verdict
FastCover is a genuinely strong travel insurance option for Australian travellers — not a compromise or a budget second choice. Unlimited medical, unlimited cancellation on the Comprehensive tier, Lloyd's-backed underwriting, Australian-based support, and a claims reputation that consistently outperforms larger competitors. The price advantage over Cover-More (typically 15–20% cheaper for equivalent coverage) makes it the first comparison most Australians should run.
The modular add-on system is both a strength and a consideration — it means you pay for exactly what you need, but it also means scooter riders, skiers, and adventure travellers need to remember to add the relevant packs at purchase. Don't forget these if they apply to your trip.
Recommended for: Most Australian travellers on standard international trips, families, cruise passengers, and skiers.
Consider alternatives for: Adventure-heavy travel needing broad activity coverage without add-ons (World Nomads Standard), long-term open-ended travel (SafetyWing).
Frequently Asked Questions
Is FastCover travel insurance good for Australians?
Yes. FastCover is Australian owned, backed by Lloyd's of London underwriters, and holds a 4.6-star rating from over 24,000 reviews on ProductReview. It's particularly strong for claims handling speed and Australian-based customer support, and is typically 15–20% cheaper than Cover-More for equivalent comprehensive coverage.
How much does FastCover travel insurance cost?
A FastCover Comprehensive policy for a healthy 35-year-old on a 14-day trip to Bali costs approximately AUD $95–125. For Japan, approximately AUD $120–150. For Europe (21 days), approximately AUD $145–185. Always get a personalised quote as prices vary by age, destination, trip length, and declared health conditions.
Does FastCover cover scooter riding in Bali and Thailand?
Yes, with the Motorcycle and Moped Add-On. A valid motorcycle licence and helmet are required. The add-on must be purchased at the time of policy purchase — it cannot be added retrospectively after an incident. This is standard across all major Australian travel insurers.
Does FastCover cover pre-existing conditions?
Yes — FastCover's online medical screening tool assesses pre-existing conditions during the quote process. Many stable, well-managed conditions are automatically covered at no extra cost. More complex conditions are individually assessed and may result in a premium loading or specific exclusion. Always declare all conditions at purchase — non-disclosure voids your policy.
How does FastCover compare to Cover-More?
FastCover is typically 15–20% cheaper than Cover-More for equivalent comprehensive coverage. Both offer unlimited overseas medical and cancellation, Australian-based support, and Lloyd's or Zurich-backed underwriting. Cover-More has longer operating history and scooter coverage without a separate add-on. FastCover is rated higher for claims speed by many reviewers.
Does FastCover have an annual multi-trip policy?
Yes — the Frequent Traveller Saver policy covers unlimited international trips within a 12-month period. Competitive with Cover-More and 1Cover annual policies for Australians making 3+ trips per year. Compare the per-trip equivalent cost against individual policies for your specific travel frequency.