2,853 reviews
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AI reviews summary
Fast Cover Travel Insurance receives high praise for its user-friendly digital interface and competitive pricing, particularly for seniors and cruise travellers. While the initial purchase experience is overwhelmingly positive, there is a stark divide in feedback regarding the claims process, with some users reporting rapid settlements and others highlighting significant difficulties during major disruptions.
Pros
- Efficient Onboarding: The website and application forms are frequently described as intuitive, fast, and easy to navigate, allowing users to finalise policies in minutes.
- Competitive Pricing: Users consistently report that premiums are more affordable than major competitors, specifically for cruise cover and senior travellers.
- Helpful Customer Support: Staff members (notably Hans and Monique) are frequently cited for being professional, patient, and thorough when assisting with policy customisation or medical screening over the phone.
- Flexible Medical Coverage: The process for declaring pre-existing conditions is described as straightforward, with many users noting that certain conditions were covered without additional surcharges.
Cons
- Strict Claims Adjudication: Multiple reviewers reported denied claims for "real-world" disruptions, such as airline staffing issues or specific medical diagnoses, citing restrictive fine print in the Product Disclosure Statement (PDS).
- Onerous Documentation Requests: Several users experienced significant delays in claim processing due to repeated requests for "obscure" data or hospital records, which some felt were stalling tactics.
- Inconsistent Claims Communication: While the sales team is highly rated, the claims department has been criticised for a lack of empathy and poor communication during stressful events.
- Technical Payment Glitches: Occasional issues were reported regarding the PayPal integration and discount codes failing to apply during the checkout process.
Verdict
Fast Cover is an excellent choice for travellers seeking a low-cost, easy-to-arrange policy with highly-rated pre-trip customer service. However, because some users reported significant challenges and technical exclusions during the claims process, it is essential for consumers to thoroughly review the PDS to ensure their specific risks are not excluded by narrow policy definitions.
This was the first time I bought Travel Insurance from Fast Cover Travel Insurance. Being a healthy traveller, and because my trip was only for one week, I chose only a Basic Cover. It was good value. Show details
Reviews with attachments
The staff member I dealt with made the process clear and user friendly. He answered all my questions confidently in a friendly manner. Having sought several other quotes this was a clear winner for comprehensive cover value, and online reviews were encouraging. Show details · 1
Our dog Ollie needed sudden surgery ( cruciate ligament) & we had to cancel our trip to vietnam. We were upset but Ollie comes first. We were outside the free cancellation period but put our situation to FastCover. A few emails to & fro & heard that we are getting a full refund of $449 - will help with surgery. What a great organisation -… Read more · 1
professional, emphatic & unlike many organisations today not just about the money $$$ What more can I say!!! Do you think that I will be promoting them to family, colleagues & friends
Simple, friendly and competitive. Great service. I’m happy to recommend this company. Will use them for my next trip. Show details · 1
Have used Fastcover 3 times in the last few years to cover overseas horse riding trips. I haven’t claimed but as far as the policy goes it’s great - I work in pet insurance so I knew what to look for regarding coverage, limits and excess. I found it a simple and smooth online purchase experience. Show details · 1
- +4
Don't know how they do it, but I like it. I was able to purchase 8 days travel Insurance for my wife and I, taking a Trip A Deal holiday to South Korea from Sydney, for just over $100.....for the both of us. This is fantastic value. A regular $200 excess applied, and the regular things were covered. Overseas Emergency Medical & Hospital Expenses -… Read more · 4
Unlimited Overseas 24/7 Emergency Medical Assistance - Unlimited Overseas Emergency Medical Evacuation & Repatriation - Unlimited Overseas Emergency Dental - $500 Personal Liability - $1,000,000 COVID-19 Overseas Emergency Medical, Hospital & MedicalEvacuation Expenses - Unlimited Sure, there's no skiing covered, no motorcycle coverage, and no cruising etc....but hey, I'm on holiday, not looking for thrills and spills....Of course, one can add extras, up to you, whilst other companies may cover more, but they cost more...
Latest follow-ups
Took out a fast cover insurance for a cruise last August and would you believe became ill and received an account from the cruise line for almost $3000 for using their services for less than 5 hours.Fast cover requested extra information and were… Read more · 1
more than helpful during the process and paid the over priced account.yes they are excellent and would say use them.
Follow-up · The claim was long and drawn out as illness was pneumonia and other breathing problems.fast cover requested medical reports from GP and specialists going back some years and lost a document that was needed.however they certainly were helpful and polite.
Have used Fastcover numerous times but always compare 5 policies every time I travel. They always come up tops. I have claimed before and they were great during quick easy claim. Another quote was almost comparable this time but due to my previous claims, reputation and online reviews, it was a no brainer to stick with FastCover. Great service. Show details · 1
Follow-up · Have used FastCover for multiple years for travel insurance however was a bit disappointed this time around as we took out a Duo Annual Policy (domestic and worldwide) but only the main person listed could have an existing medical condition which was fine at the time (my partner - high blood pressure). Several months later I had a hip replacement… Read more
Very easy to use and advice very good and helpful Show details · 1
Follow-up · Easy to get details, easy to use and when I rang got good advise
In-depth reviews
CORPORATE CRUELTY: Being Bullied by Fast Cover and Lloyd’s During Our Family’s Darkest Days. Our family is struggling to deal with my son’s brain tumour diagnosis, and to have an Australian company like Fast Cover behave this way is beyond words. We are mentally exhausted, and their lack of compassion is pushing us even further into depression… Read more
while we try to understand how this happened to us. It is life-shattering enough without being treated like a criminal by an insurer.
The doctor has already filled out their forms and explicitly noted that this was an incidental find. My son saw this doctor for the first time on 10 January regarding stomach issues and didn't return until the 21st when the headaches started and the tumour was found. There were no visits in between, there is literally nothing to give them--yet Fast Cover is demanding "notes" for those missing days just to stall a $24,900 payout. To even imply that a father would lie about his son having a tumour is sick and disgusting. Because we have absolutely nothing to hide and dozens of family and friends to back up every fact of this ordeal, we will not be bullied by the "Lukes" of the world, Fast Cover, or Lloyd’s. I would give everything I own to make this go away, but I refuse to let these people abuse our family for profit while we are suffering.
We complained to the underwriters, Lloyd’s, but they are just as bad. These are global giants who hide behind meaningless, "humane" words while they bankroll a broken system that they know cannot hold them accountable. They are big on promises, but they allow this conduct to continue because they know they have the money and power to crush the average consumer. You must check who the underwriters are before you buy and avoid these people at all costs.
Stay far away from Fast Cover. Do not be fooled by their cheaper prices or marketing; they are cheap for a reason-they simply do not pay when a significant claim is made. My advice is to pay more with a reputable insurer for actual peace of mind. It defies logic how these people are allowed to get away with this without any recourse or penalty. It is a broken system that needs to change. No one is exempt from these life-changing events, and dealing with this is hard enough without this kind of abuse. Once my son is healthy, I will do my absolute best to expose these people for exactly what they are. No other family should ever have to endure this during their darkest moments.
I cannot speak highly enough of Fast Cover as a travel insurer. Firstly, the process for establishing the Fast Cover Domestic Plus policy was incredibly easy to understand and complete. The customer experience was the easiest of any insurance website I have used. Secondly, their approach to my claim was fast, well communicated and most… Read more · 1
importantly they did not make and already stressful situation worse by requesting onerous amounts of information, like most insurance do!
I had natural disaster claim from my family’s holiday in the Whitsundays over January 2026. We were inundated with cyclonic rain and wind and decided to leave the island for safety. There were some complicated aspects to my claim and Fast Cover were very understanding of my position. They treated me like a customer. Not an imposition.
Upon my return I lodged a claim for loss and immediately I knew this was going to be straight forward, no nonsense resolution.
There was constant contact form the loss assessor, updates on the claim (which was resolved in days, not weeks) and once the detailed assessment letter arrived in my inbox and settlement was agreed, the money was in my account the next day.
It was a seamless and fair experience. I will be using them next time.
The service and attention to detail provided by your company as a result of my accident and subsequent hospitalisation in a foreign country, including medically assisted flights home to Australia were second to none. Your people who handled my case and dealt mainly with my son, who was travelling with me, could not have been more helpful. The… Read more · 1
immediate and prompt responses to our queries and follow up on all things to do with the hospital and medical costs, as well as the organising of the medically assisted flights, were courteous, respectful, succinct and detailed, to the point where we knew exactly where we stood and what was being provided to us at all times. I cannot thank your organisation enough for your excellent service and fulfilling everything that was expected of you in the policy as stated. In an era where insurance companies are bearing the wrath of consumers for not delivering on what is stated in their policies, or are finding ‘loopholes’ to not payout on those policies, your company’s response to our queries and where we stood was exemplary. I have no hesitation in recommending your company and its’ services to anyone wishing to cover their future travel requirements. I remain available at any time to discuss further should you wish. Kindest Regards, Ross Bowden
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Recent reviews
I was unable to pay via PayPal. After clicking on it, I was not re-directed to PayPal payment. After numerous attempts, I was forced to enter credit card details & pay with Visa. Show details
Again have signed up with fast cover. Happy with the sign up experience very easy and simple process. So far we have not been required to claim however have use fast cover for all our trips since first sign up and luckily have had no need for any insurance claims which means my family had a wonderful holiday but return to fast cover based on reviews suggesting if we should have a problem this cover is best in market. Show details · 1
We had a small medical claim with the medical centre at Changi airport. The claim was settled quickly and efficiently. Even though it was small it inspires confidence in the product. Show details · 1
I have booked travel insurance for my daughter’s first trip overseas with her friend. Abegail has assisted me all the way through from finding the right insurance, answering all my questions and ensuring I have peace of mind while my daughter has an amazing time. Abegail has responded quickly to all my questions and offered some light heartedness… Read more · 1
along the way knowing I’m anxious about my daughter going. I hope my daughter doesn’t have to use the insurance but if she does I feel reassured that she will be provided with excellent help if everyone is like Abegail! Thank you
This is my second policy with Fast Cover. As yet we have not travelled so do not know how Fast Cover actioned any claims. I was assisted with the completion of my second policy by a staff member from Fast Cover the process went well as the staff member completed everything online verifing the details in a quick and acurate maner. I was 100% happy with the outcome. Show details · 1
Awful experience with Fast Cover. I travelled to South America and had to urgently return to Australia after my mum required emergency life-threatening surgery. It has now been over three months since my first contact regarding the claim and I still have not received a proper outcome. The communication and handling of the situation has been… Read more
extremely disappointing during what was already a very stressful and emotional time. After losing around $8,000 due to the interrupted trip, they have only offered $1,700 back. I would not recommend based on my experience.
Hans was absolutely wonderful to deal with. He went out of his way to help me with my travel insurance. I was going to get another quote but didn't bother as the service was excellent. Can highly recommend Hans for all your travel needs Show details · 1
I chose Fast Cover for my upcoming cruise. The cruise is up the Australian east coast. Fast Cover gave me the option of having international cover which I need to have for medical and cancellation. The online application process was very easy to follow and when I did have a question the lady at Fast Cover was very helpful with answering my… Read more · 1
questions, she also assisted me with completing the payment while i was on the phone. I have done a lot of research and quotes for travel insurance Fast Cover stood out for its ease of application, customer service and competitive pricing. I haven't had to make a claim so I am not able to comment or review that process. Fingers crossed I don't need to but I feel better and will enjoy my trip more knowing I am covered.
Your consultant was knowledgeable and professional. The explanations were succinct and easy to understand. I feel the policy was good value and your company was recommended to me by the friend I am travelling with as I have not used your company before. Show details · 1
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The website was easy to use and I liked the competitive pricing it provided. I was also able to advise of my pre-existing conditions and what I liked most was that I had the option of deciding whether to have these conditions covered or have a policy noting the conditions but not covering them. Show details · 1
Best experience I’ve had purchasing travel insurance. Was so quick and straightforward. All the disclaimers are in clear language and medical questions weren’t too invasive either. Show details · 1
I dealt with Hans in customer service and he was fantastic in arranging the right pricing, refund percentage and feedback. There were changes to an existing policy and Fast Cover management responded straight away with a good result. Couldn’t have been better. Building loyalty with existing customers seems to be a thing of the past, but this has been a great exception. Show details · 1
Quote and purchase process was simple. Cover provided was competitively priced. I liked the feature of being able to add the policy to my Apple Wallet. Travel isn’t until 2027. Show details · 1
After a phone call to clarify some details about the policies available i wax able to choose the right product for us while keeping it affordable. A little daunting as a first time traveller which worked out well without too much stress. Show details · 1
I've been a NIB member for several years, so you know my medical history. Thus, I trust in worst case I'd be medevacked back to Australia, meantime getting best of care. Show details
Follow-up · I paid this in error, please $refund
Taking out the policy was quick and easy online. Even the medical declaration sections were simple to complete. The policy cost looks to be good value for money the the level of cover we selected. Show details · 1
As a retired man, I didn't have to worry about loss of income and many other items. At my age, I was only thinking of medical insurance. Fast cover was the company which gave that insurance. It was affordable compared to other insurances. After COVID, I didn;t travel much. I used Fast Cover last year when I visited Sri Lanka last year Show details · 1
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