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Fast Cover Travel Insurance

Fast Cover Travel Insurance

 Verifiedfastcover.com.au
Fast Cover Travel Insurance
4.7

2,850 reviews

Positive vs Negative
95%5%
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Claim Resolution Time
  • <10 minutes
  •  · 
  • <1 hour
  •  · 
  • <1 day
  •  · 
  • <1 week
  •  · 
  • 1-2 weeks
  •  · 
  • 3-4 weeks
  •  · 
  • 1-2 months
  •  · 
  • 3+ months
Claim ApprovedYes · No
Transparency ?
4.5
Customer Service
4.6
Value for Money
4.5

 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.

5 Robyn W  · this insurance was easy to do and a good price
5 Cameron S.  · Quick and easy, got the quote in no time at all, very happy.
5 Hilisha  · I absolutely found Abby such a great help and her service was second to none. Thank you.
5 Mike  · Easy and fast response they listened and were flexible with my details
5 Robert  · Easy to understand coverage and also easy to fill out application form
4 Gilbo  · Easy to obtain on line , but thank fully we did not need to use this for any claims .So can't say how any claims would be dealt with .

Reviews with attachments

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Marg
MargNSW
  Comprehensive

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

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Paul
PaulSA2 posts
  Verified Comprehensive

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

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Martin
MartinNSW
  Verified Standard Saver

Simple, friendly and competitive. Great service. I’m happy to recommend this company. Will use them for my next trip. Show details ·  1

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Veejay
VeejayNSW2 posts
  Verified Comprehensive

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

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Mikef50
Mikef50NSW301 posts
  Verified Basics

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

Nan
Nan
  Basics

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

Les
LesVIC
  Basics

Good basic policy at a fair price with website easy to use anf follow. Show details ·  1

 Follow-up  · Would recommend and definitely use again.

Gordon
Gordon
  Standard Saver

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

In-depth reviews

Dan W.
Dan W.NSW4 posts
  Verified Comprehensive

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.

Adam H.
Adam H.NSW
  Verified Domestic Plus

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.

Ross B.
Ross B.VIC2 posts
  Comprehensive

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

Positive reviews

Lyn
LynNSW3 posts
  Comprehensive

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

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Fran
Fran
  Basics

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

Kylie
Kylie9 posts
  Comprehensive

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.

Negative reviews

james
jamesSA2 posts
  Verified Comprehensive

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.

Flyingfox
FlyingfoxNSW8 posts
  Comprehensive

The Policy specifically aimed at seniors . In my opinion it is NOT suitable for males over 60 years. My Reasonable Claim was denied as a result of unavoidable surgery connected with previous diagnosis of BPH. 75% of males over 65 have BPH it’s that… Read more

common, only a small % require urgent surgery yet Fast Cover landed on the most generalised definition of the condition ignoring the fact of imminent urinary failure. I am Out of pocket over $5,500. WARNING FAST COVER is not reputable and will not meet your reasonable claim expectations! On the face their Reviews look positive but look at how many are pre claim ! Fast Cover are experts at avoiding reasonable genuine claims !!! DO NOT BUY THIS TRAVEL INSURANCE IF YOU ARE A MALE SENIOR!

 Follow-up  · The matter is now under investigation by the Australian Financial Complaints Authority. I will make no further comment until that process is completed! Suffice to say I have clear and unequivocal answers to the three questions posed above!

Fast Cover Travel Insurance
Fast Cover Travel Insurance    

Hi there, thanks for sharing this.… Read more (+2 replies)

Dianne H.
Dianne H.SA2 posts
  Frequent Traveller Saver

And yet again....you're insured until you go to claim! Buyer Beware of ALL the loop holes that allow this Insurance company to get your money for the policy until, such time, that you wish to make a claim! Never Again! Show details

Fast Cover Travel Insurance
Fast Cover Travel Insurance    

Hi Dianne, I’m sorry to hear your… Read more

Recent reviews

PETER MCBRIDElast
PETER MCBRIDElast4 posts
  Basics

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

Misti
Misti
  Comprehensive

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

john 1604
john 1604NSW33 posts
  Comprehensive

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 more than helpful during the process and paid the over priced account.yes they are excellent and would say use them. Show details ·  1

Sharon
SharonWA2 posts
  Comprehensive

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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SHEENA GREIG
SHEENA GREIGNSW6 posts
  Standard Saver

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

Audrey
AudreyVIC
  Comprehensive

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

Delicate Des
Delicate DesVIC
  Comprehensive

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

Gift Giver
Gift GiverVIC2 posts
  Comprehensive

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

John N.
John N.NSW
  Standard Saver

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

TnT
TnTQLD6 posts
  Domestic Plus

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

yogi
yogiNSW11 posts
  Basics

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

Jo L.
Jo L.3 posts
  Basics

Very easy to arrange online. Have used them before and will use Fast Cover again. Travelling with my mum, it's always good to have peace of mind when on holiday for those not so welcome ' things happen' but to know you're covered just in case, adds that extra layer of comfort when away from home enjoying ourselves. Show details ·  1

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