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Fast Cover Travel Insurance

Fast Cover Travel Insurance

4.5 from 779 reviews

Travel insurance claim

I used Fast cover because it covers a years travel and was easy to apply for
Lodging my claim was made easy by the great people at Fast Travel
This is the first time I have used Fast Travel insurance

Value for Money
Customer Service
Insurance Cover For:Adult
DestinationAsia
Claim MadeYes
Type of ClaimMedical
Claim Resolution Time2-4 weeks
1 comment
Hi Mike, Thank you for your review. We appreciate your feedback! I am glad to hear that you are happy with your policy and lodging a claim was easy :). Let us know when you are travelling again and we can apply your loyalty discount. Happy travels! Kind regards, Margretta

Easy claim process

I use Fast Cover Travel Insurance for all my trips because the value of money is good. I have not claimed anything until my last trip to Bali. I claimed for a damaged luggage and the claim process was very easy and hassle-free.

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult and Teenager
DestinationAsia
Insurance TypeSingle Trip
Claim MadeYes
Claim Resolution Time1-2 weeks
Claim DateApril 2019
Claim ApprovedYes
1 comment
Hi Alireza, Thank you for your review! We appreciate your feedback :). I am glad to hear that you are happy with your policy purchase and that your claims experience was easy. When you are ready to travel again just let us know and we can apply your loyalty discount. Happy travels! Kind regards, Margretta

Do not use this company!

I had a policy with full unlimited medical coverage and injured myself whilst on a trip to the US. I needed surgery to fix a broken bone but fast cover wouldn't cover it because it was "too expensive". They left me waiting in hospital for several hours in agony while I waited for a response from them. They said unless the injury is life threatening they do not cover medical expenses! They then said they would try to find a cheaper hospital to do the surgery but would take at least 24 hours till they could get prices at different hospitals. I was in a regional area 3 hours from any other hospital I was by myself and had no one to help me out or any way of travelling to a different hospital so had no choice but to fly home. They were terrible to deal with and were so slow at responding. I was on a plane halfway home before they even tried to arrange an upgrade for my flight. Absolutely hopeless!

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult
DestinationNorth America
Insurance TypeSingle Trip
Claim MadeYes
Type of ClaimMedical
Claim Resolution Time<1 week
Claim DateFebruary 2019
1 comment
Hi Jodie, Thank you for your review. I'm sorry to hear about your recent injury. Our management team have made attempts to contact you regarding your experience, and would like to discuss in more detail. If you would like to talk about the matter in private, please call 1300 409 322. Regards, Tracey

Simple, Value for Money and Great Claims Experience

I decided on Fast Cover after a limited online search. The application process was simple and appeared to offer good value for money. We had only had our policy for little over a month when we needed to make a claim. Making a claim was very simple and we had our claim paid into our bank account in less than one week.

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult
DestinationAsia
Insurance TypeMulti-Trip
Claim MadeYes
Type of ClaimMedical
Claim Resolution Time<1 week
Claim DateMay 2019
Claim ApprovedYes
1 comment
Hi Darren, Thank you for your review. We appreciate your feedback! I'm glad to that you are happy with your policy and found the process easy to purchase. Please let us know when you are travelling again and we can apply your loyalty discount :). Kind regards, Margretta

So glad I bought Travel Insurance with these guys. Quick, easy claim lodgement online with follow up emails. No hassle.

Easiest of all I looked into to set up policy (able to select different regions/continents). Lost my passport and was easy to submit claim, with quick responses provided. Thank you!

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult
DestinationAsia
Insurance TypeMulti-Trip
Claim MadeYes
Type of ClaimLost/Stolen Property
Claim Resolution Time2-4 weeks
Claim DateApril 2019
Claim ApprovedYes
1 comment
Hi Biara, Thanks for taking the time to give us your review. We're thrilled you have chosen Fast Cover for your travel insurance, and so happy to hear you found our website easy to use, and the process hassle free! Just let us know when you are travelling next, and I can apply a loyalty discount to your next policy. Regards Tracey Traveller Services Manager

Fast Cover the best

Right front the start of our online to phone contact they could not be.more helpful. They responds back with several enquiries we had about our car hire in USA including motorbike hire.

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult
DestinationNorth America
Insurance TypeMulti-Trip
Claim MadeYes
Type of ClaimLost/Stolen Property
Claim Resolution Time1-2 weeks
Claim DateApril 2019
Claim ApprovedYes
1 comment
Hi David, Thank you for your review. We appreciate your feedback :). I am glad to hear you are happy with the policy you have purchased. Please let us know when you are travelling again and we can apply your loyalty discount. I hope you guys have a wonderful trip(s). Kind regards, Margretta

Great value travel insurance and simple claims process.

I purchased travel insurance with Fast Cover because it was great value and also the company was very well reviewed. I unfortunately had to make a claim for a stolen mobile phone and found their staff to be very helpful and their online claims process straight forward. I’m very happy with the service I’ve received and I wouldn’t hesitate to use Fast Cover again in future.

Value for Money
Transparency
Customer Service
Insurance Cover For:Teenager
DestinationAsia
Insurance TypeSingle Trip
Claim MadeYes
Type of ClaimLost/Stolen Property
Claim Resolution Time2-4 weeks
Claim DateApril 2019
Claim ApprovedYes
1 comment
Hi Chris, Thanks for taking the time to submit your review. I'm so glad we were able to help you when your mobile phone was stolen, and you found the whole process hassle free :-) Just let us know when you are travelling next, and I can apply a loyalty discount to the next time you travel. Kind regards Tracey Traveller Services Manager

Not even sure about this company

*Prior to purchase read this*
Don't take into account 5 star reviews about the purchase process or price, that's what I did but my claims experience has been rubbish.

Was overseas in Thailand, my partner got extremely ill to the point she couldn't get out of bed. I contacted the '24/7' emergency medical team on a Good Friday and explained the situation and wanted to see if we could get her back early. She informed me that it was a public holiday and they would have to confirm that her acute condition was not a pre-existing medical condition and most GP's wouldn't be open until Tuesday so she could look into it and get back to me Tuesday. So yes they have someone answering the phones 24/7, they can't actually do most things outside of business hours. We were due to fly home Monday.... she actually KNEW this when she suggested getting back to me Tuesday. Then the case manager got in contact with me via email to say only 'acute' conditions were covered. Her medical report literally used the word 'acute' but I was informed she wasn't covered to come home early. He provided me details to lodge a claim for medical expenses.

Annoyed we waited it out through a pretty rough couple days (if not for my partner insisting I would have just paid for additional flights) then I come home, submit my medical documents using the email address provided by the Case Manager. Call them up after not hearing anything back for a few days and am told that it was the wrong email address.

Will never purchase with these guys again.

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult
Insurance TypeSingle Trip
Claim MadeYes
Claim ApprovedNo
4 comments
Hi Adrian, Thanks for taking the time to submit your review. I'm sorry to hear of your experience. I hope your partner is feeling much better! This sounds like an unusual situation, and I'd like to get to the bottom of things. I'm going to contact the claims team to try and get a bit more information, and will be in touch again shortly. Regards Tracey Traveller Services ManagerThank youHi Adrian, Thanks for your patience. I have spoken to the Claims team, and they have not received any claim from you as yet. They acknowledge receiving some documentation, however there isn't a claim in the system. Should you decide to claim, you can submit your claim online, on the following page: https://fastcover.com.au/claims. You may want to check your policy for any applicable excesses. The claims team will assess each claim they receive. Regards, Tracey Traveller Services Manager

Can't travel withput it

My policy was extremely affordable and good value.Unfortunately i was unable to travel this time so the claim was easy.. Will not hesitate to use them again next opp time i travel.

Value for Money
Transparency
Customer Service
Insurance Cover For:Adult
DestinationAsia
Insurance TypeSingle Trip
Claim MadeYes
Type of ClaimMedical
Claim Resolution Time1-2 weeks
Claim DateApril 2019
Claim ApprovedYes
1 comment
Hi Karen, Thanks for taking the time to give us your review. I'm so happy to hear you found our prices competitive, and that claiming was hassle free. Although you weren't able to travel this time, just let us know when you are travelling next, and I can apply a loyalty discount to the next time you travel. Kind Regards Tracey Traveller Services Manager

Disappointing that a common occurrence is not covered. Would not use again.

**Attention, please read before you take out a cover so you're aware**
I am someone that has gone through the claim process for a very common claim, generally.
I had taken out a Comprehensive Policy (many times before) however, due to my misreadings I, unfortunately, fell into the trap of reading the positive reviews and having never gone through a claim.

After my experience I can now say that I will never buy a Fast Cover insurance again, as under their Trip Cancellation/Trip Delay section, they DO NOT cover "For Delays or reschedule by a bus line, airline, shipping line or rail authority unless it is due to a strike, riot, hijack, civil protest, severe weather or natural disaster." I had contacted emergency services to ask for advice and they said given the circumstances, I should submit a claim with a letter from the airline confirming the cancellation and inability from the airline to get me on another flight for another 5 days. When I had submitted my claim upon my return I was then told, that they wouldn't cover it, only when I said I was advised otherwise (provided proof) did they then do so.

This is a very general and common occurrence with airlines and I was deeply disappointed to find out that when my flights were cancelled by the airline with no rebooking for another 5 days I was left with no choice but to utilise my insurance and with the added stress. Added to that, my partner was using his default credit card insurance and was covered with no problems. A credit blanket insurance covered such a common occurrence vs the Fast Cover paid for Comprehensive Insurance. Shocking, really.
I have learned my lesson and will not be repurchasing the Fast Cover insurances ever again nor recommending it to anyone anymore. This is such a common occurrence that I would hope my insurance like MANY OTHERS do actually cover and give me peace of mind while overseas. I was always so focused on reading the medical side of insurances that I missed this and thought it was common practice.
I warn everyone that wants peace of mind to use another insurance company unless you are willing to accept that you are not covered.

TLDR: Fast Cover do not cover for Trip Cancellations or Delays by an airline (a very common occurrence) whereas default credit card insurances do, there are better insurance covers out there. Be warned.
*pro tip- also worth it to pay a little more to remove excess as that helps when it comes to these claim matters.

Value for Money
Customer Service
Insurance Cover For:Adult
DestinationAsia
Insurance TypeSingle Trip
Claim MadeYes
Type of ClaimTravel Delays/Cancellations
Claim Resolution Time1-2 weeks
Claim DateFebruary 2019
Claim ApprovedYes
1 comment
Hi Cindy, Thank you for your feedback. I'm glad to hear that your claim was paid. Whilst I am unable to comment on the card provider's policy, we can confirm that we paid your claim. We do not provide cover for circumstances within the airline's control - The airline is responsible for putting the traveller on the next available flight and/or reimbursing with vouchers after certain delays (each airline is different and has their own policy regarding the matter). Our policy, however does provide cover for trip disruption expenses when these circumstances are outside the airline control, such as "strike, riot, hijack, civil protest, severe weather or natural disaster". Our PDS clearly states on pages 38 - 40, what we will and will not pay. : We will pay - if your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of a strike, riot, hijack, civil protest, severe weather or natural disaster. The event must have begun after we issued the Certificate of Insurance. All our policies are subject to terms and Conditions, limitations and General Exclusions, as set out in our PDS, which is provided on all policies, which all travellers should read prior to taking out a policy. We welcome any questions, should you not understand the policy, or require further clarification. All policies come with up to 14 days cooling off period** to make sure you're happy with the policy. During this time you may cancel the policy simply by contacting us and we will give you a full refund. **You cannot cancel your policy if you have exercised any of your rights or powers under the policy (e.g. you have made a claim) or if the travel departure date (shown on your Certificate of Insurance) has passed within the 14 day cooling off period. Kind regards Tracey Traveller Services Manager

Peace of Mind

The policy met our couple's travel requirements, was easy to extend when we extended our travel plans across several countries and the claim process from abroad was thorough and fair.

Value for Money
Customer Service
Insurance Cover For:Senior
DestinationAfrica, Asia, Europe and North America
Insurance TypeSingle Trip
Claim MadeYes
Type of ClaimMedical
Claim Resolution Time2-4 weeks
Claim DateMarch 2019
Claim ApprovedYes
1 comment
Hi AlanP, thanks for your lovely review! Sorry to hear that you've had to put in a claim but I'm glad you had a smooth claims process. If you require any assistance, please don't hesitate to contact us. Kind regards, Lindy

I will continue to use Fast Cover

My policy was the best valu on offer. The claim seemed to take a while to sort out but in recent years I have only usd Fast Cover when Travelling specially when cruising.

Value for Money
Customer Service
Insurance Cover For:Senior
Insurance TypeSingle Trip
Claim MadeYes
Type of ClaimLost/Stolen Property
Claim Resolution Time1-2 months
Claim DateFebruary 2019
Claim ApprovedYes
1 comment
Hi Patricia, Thank you for your review! We appreciate your feedback :). I am sorry to hear you needed to put in a claim! We hope your trip went by smoothly regardless. Let us know when you are going on another holiday and we can apply your loyalty discount again. Happy travels! Kind regards, Margretta

Garbage

Not worth the paper it's written on. My son was bitten by a dog in a 3rd world country requiring rabies injections both in the country we visited and when we got back amounting to approx $400 in costs, they exclude costs once you are back home even if it relates to the injury suffered whilst away and the excess is more than the rest of the costs. Useless.

Value for Money
Customer Service
Insurance Cover For:Adult and Child
DestinationAsia
Insurance TypeSingle Trip
Claim MadeYes
Type of ClaimMedical
Claim Resolution Time<1 week
Claim DateApril 2019
Claim ApprovedNo
4 comments
Hello Jade, I'm very sorry to hear about the incident with your son. I understand that's an extremely alarming situation to have to face, both emotionally and financially. I'm going to look into this further and get back to you. Kind regards, Tracey Traveller Services ManagerHi Jade, I'm hoping you received my voicemail. I'd really like to talk to you about this. If you can please call me back on 1300 409 322, so we can discuss this further. Kind regards, Tracey Traveller Services ManagerHi Tracey, I left a return message at approx 12.30 and was told you'd call back in about 5mins

Easy to take out insurance but not so easy to get paid for a medical claim

Taking out insurance with FastCover was easy and they offered great coverage compared to other insurance companies.

When I was overseas hiking I unfortunately got very bad altitude sickness and was medi vacced off the mountain I was climbing. The company who provided evacuation and all medical care has not heard from fast cover in over a month regarding reimbursement for their costs which is quite a lot. They have provided everything as requested to FastCover. I also am awaiting a related claim to be paid and found that the extra documentation required was over the top. Even with a receipt being provided by my travel company showing my tour costs, I also had to provide bank statements showing payment of my trip. Every time something new is requested your claim goes to the back of the line and you are told it’s another 10 business day before you will receive a response. My claim experience has not been good so far.

Value for Money
Customer Service
Insurance Cover For:Adult
DestinationAfrica
Insurance TypeSingle Trip
Claim MadeYes
Type of ClaimMedical
Claim ApprovedNo
5 comments
Hi Anje, I'm very sorry to hear that your hiking experience didn't end well. When our tavellers submit their claims, its importantl that our team does their due diligence, and some of the more complex claims may take a while longer than most. However in saying that, thanks for your feedback. I'll make some enquiries and see if we can expedite your request. Kind regards, Tracey Traveller Services ManagerHi Tracey. Thank you for the reply. I would appreciate any assistance to expedite the claim. AnjeHi Anje, Great news, the claim has been approved and settlement confirmation has been emailed to you. I hope we've been able to put a smile on your face, and that you choose Fast Cover again for your travel insurance. Just let us know when you are travelling next, and I can apply a loyalty discount to the next time you travel. Please contact me directly if you require further assistance. Kind Regards, Tracey Traveller Services Manager

All easy. Just hope it's as easy if I need to make a claim!

I am well and active. I just hope that should anything go wrong and I need to make a claim, the ease and goodwill will remain the same. Being older means being penalised by insurance, always have to pay more.

Value for Money
Customer Service
Insurance Cover For:Senior
DestinationAsia
Insurance TypeSingle Trip
Claim MadeNo
2 comments
Hi! We're glad you found it easy to purchase a policy with us. Please contact us next time you travel and we'd be happy to give you a loyalty discount on your quote. And thank you for taking the time to give us your feedback! Kind regards, SallyHi Fullpont, Thank you for your review. We appreciate your feedback :). I am glad to hear that you are happy with the policy you have purchased. I can assure you we would love to assist with helping you should you need to make a claim. Let us know when you will be travelling again and we can apply your loyalty discount :). Kind regards, Margretta

Value for money

I am a first time user and was surprised at how many hoops I had to jump through when making a claim for stolen goods. The policy allowed a max claim up to $5000, but I did not realise that I had to show purchase receipts for every item I was claiming. This included receipts for goods that I received as presents and goods purchased many moons ago. In the end (after 6 months) my claim was honoured, even without the receipts, but it took a bit of convincing. This has been a learning curve for me and once again it all comes down to reading all the fine print. Next time I will make sure that I have documented all the items I am travelling with prior to departure. I assume all insurance companies have similar policies therefore, I would recommend Fast Cover for travel insurance, as my ignorance is no excuse and they did honour my claim in the end.

Value for Money
Customer Service
Insurance Cover For:Adult
Insurance TypeSingle Trip
Claim MadeYes
Type of ClaimLost/Stolen Property
Claim Resolution Time3+ months
Claim DateOctober 2018
Claim ApprovedYes
1 comment
Hi David, Thank you for your message! We appreciate your review. I am sorry to hear about your items being stolen! That is one of the most inconvenient things to happen when travelling. You probably purchased a Standard Saver with the Luggage and Personal Effects limit of $5000 with sublimits. When putting in a claim - for any company - you would need to provide all the receipts for proof of purchase. Though we would love to take things at face value the claims team need to do their due diligence. I am glad this matter had been solved for you :). Let us know when you will be travelling again and I can apply your loyalty discount. Kind regards, Margretta

Have yet to go on our holiday but so far it seems to cover what we need.

Good value and easy to set up.
Not travelled yet so not had to lodge claim.
Will be easier to say more after we return from our holiday which won’t be for another two months

Insurance Cover For:Senior
Insurance TypeSingle Trip
Claim MadeNo
1 comment
Hi Jane, Thank you for review. We appreciate your feedback :). I'm glad this process was easy for you! I hope you enjoy your trip! Let us know when you are travelling again and we can apply your loyalty discount. Have a great holiday! Kind regards, Margretta

great value for money and fast claims process

it was very simple to take out travel cover and the pricing was the best on the market at the time for premium cover but the best part was we actually did have a claim and they acted very fast and paid out the claim easily

Value for Money
Customer Service
Insurance Cover For:Adult and Child
DestinationAustralia/Oceania
Claim MadeYes
Type of ClaimMedical and Other
Claim Resolution Time<1 week
Claim ApprovedYes
1 comment
Hi Alan, Thank you for your review. We appreciate your feedback :). Glad to hear purchasing the cover was simple and easy for you - that's what we aim to do! We hope that you had a wonderful previous trip and let us know when you are travelling again so we can apply your loyalty discount. Kind regards, Margretta

Perfect Policy for Me

Good value and easy to set up. I have used it once before for travel so far I have not made a claim but all information received with the policy is very straightforward

Insurance TypeSingle Trip
Claim MadeNo
1 comment
Hi Nancy, Thank you for your review! We appreciate your feedback :). Glad to hear it was straightforward for you and easy to apply for coverage. Let us know when you are travelling again and we can apply your loyalty discount :). Kind regards, Margretta

Customer service.

The customer service was excellent, the operator who took my call was friendly (but not so friendly as to be over the top) and was very quick and efficient processing my insurance requirement. Confirmation of my insurance was received via email before I got off the phone to the operator.

Claim MadeNo
1 comment
Hi Matt, Thanks for your great review! We like to think we're a friendly team, who enjoys helping customers with their travel insurance needs. Let me know when you are travelling next, and I can apply a loyalty discount to the next time you travel. Kind regards Tracey

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Questions & Answers

We are trekking to Machu Picchu this year on an organised trek. Does Fast Cover travel cover altitudes of up to 4600 metres and evacuation?
2 answers
They do up to a certain altitude and provided no climbing equipment is used. Machu Picchu is definitely covered. This info is explained on tge fastcover website in the PDSHi Catherine, Thank you for your question! We sure do :). To be covered for trekking at altitudes of 3000metres to 6000metres (not higher) but only where specialist climbing equipment is not required. You will need to add on the Adventure Pack to either a Comprehensive or a Standard Saver policy. I hope that helps! Kind regards, Margretta

Is the River Cruise in Europe(Budapest to Amsterdam) classified as a cruise or just Ocean cruises
3 answers
Hi Dawn, Thank you for your message! The easiest way to know whether your river cruise is considered a 'cruise' which you will need travel insurance for is whether your cruise has a medical team on board. If your river cruise has a medical team on board then you will need to choose the cruise option for your trip. If there is no medical team then you do not need to specify cruise on your quote :). I hope that helps! Kind regards, MargrettaThank you Margretta. That clarifies my question clearlyHi Dawn, Not a problem :). I hope you enjoy your trip! Kind regards, Margretta

3 months ago I hurt my back at work as a volunteer with Red Cross. Had scan and having physio and all going well but not sure how this will effect my travel insurance policy.
1 answer
Hi Cavalierskye, thanks for your enquiry. Our policies cover a list of 43 Pre-Existing Medical Conditions which you view here: https://fastcover.com.au/what-we-cover/pre-existing-medical-conditions If you have a condition that is outside of this list, you would not be covered for any claims related to that particular condition. In the context of travel insurance, your back injury is considered a pre-existing condition and unfortunately it is something that is NOT covered under the insurance policy. However, you can still take out the policy with us and you would still receive medical benefits for claims that are unrelated to the pre-existing medical condition. If you have any further questions, please don't hesitate to contact us. Kind regards, Lindy

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