Fast Cover Travel Insurance

Fast Cover Travel Insurance is an Australian travel insurance brand issued by Fast Cover Pty Ltd, underwritten by an APRA-regulated insurer (currently Certain Underwriters at Lloyd's), covering Australians travelling domestically and internationally. Products span comprehensive, essentials, basic, and standalone medical-only cover, plus optional cruise, snow sports, adventure, and cancellation add-ons. Australian travellers typically use Fast Cover for competitive comprehensive-policy pricing on family or couple trips. Buy via fastcover.com.au and activate ShopBack through the Fast Cover merchant page on ShopBack Australia to earn cashback on eligible policy purchases at the current published rate. Verify current terms with the Fast Cover PDS before purchase.

Fast Cover offers several tiers: Comprehensive (broadest cover including cancellation, luggage, medical, and 24/7 assistance), Standard Saver (mid-tier), Basic (essentials only including medical and evacuation), and Standalone Medical Only. Cruise cover is available as an add-on for cruise itineraries where standard travel insurance may not extend to the specialised cruise-medical claim scope. Adventure and snow sports also require add-ons. Verify current tier structure, cover limits, and exclusions with the Fast Cover PDS on fastcover.com.au before purchase since PDS terms drive claim outcomes.

Fast Cover typically runs promotional windows tied to AU travel booking cycles: AU school holidays (April, July, September, December), forward-book Europe summer (November to March), Black Friday (November 27, 2026), Cyber Monday (November 30, 2026), and Boxing Day. Cross-check base pricing against promotional pricing since Fast Cover's headline comprehensive premium tends to already sit competitively. Verify current promotions on fastcover.com.au before buying, and click through fresh from the ShopBack Fast Cover merchant page to keep cashback tracking clean.

The Fast Cover Product Disclosure Statement (PDS) is available at fastcover.com.au under the policy documents section for each tier. The PDS details all cover limits, exclusions, excess, pre-existing condition definitions, claim documentation requirements, and dispute processes. AU travellers should read the PDS before buying since claim outcomes depend on PDS terms not marketing summaries. Verify the applicable PDS version at time of purchase. ShopBack cashback tracks on eligible Fast Cover policy purchases regardless of PDS version.

CoverMore is Australia's largest travel insurance brand with strong distribution through Qantas, Virgin, and Flight Centre channels, and broad brand recognition. Fast Cover is a direct-to-consumer challenger typically pricing sharper on comprehensive tiers for healthy under-70 travellers. For traveller confidence and airline-integrated buying, CoverMore often wins. For pure premium sharpness on standard comprehensive family or couple policies, Fast Cover often wins. Both are cashback-eligible via ShopBack when purchased through their respective merchant pages. Compare policy limits and exclusions in each PDS before deciding.

Both Fast Cover and Freely target the AU direct-to-consumer travel insurance market. Fast Cover's tier structure is more traditional (Comprehensive, Standard, Basic, Medical Only) with cruise add-on. Freely (a nib-owned brand) offers modular pack-based cover you can toggle on and off during a trip via an app. For a set-and-forget comprehensive purchase before departure, Fast Cover often wins on simplicity. For flexible in-trip cover adjustments, Freely often wins. Both are cashback-eligible via ShopBack. Compare PDS terms before deciding since coverage triggers differ.

Standard Fast Cover policies do not automatically extend to cruises since cruise-specific medical claims (onboard treatment costs, ship-to-shore evacuation, missed port cover) exceed standard travel-medical scope. Add cruise cover as a paid add-on at time of purchase for any cruise itinerary including transit on Royal Caribbean, P&O Cruises Australia, Princess, Carnival, Celebrity, and other lines. Verify the specific cruise-cover PDS terms on fastcover.com.au before purchase, and note that adding cruise cover mid-trip is typically not possible. ShopBack cashback tracks on the total premium including add-ons.

Fast Cover applies its Existing Medical Condition definition per the PDS, which includes any condition you have received treatment or medication for in a defined lookback window. Many common conditions (stable asthma, controlled hypertension) are automatically included at no extra premium; more complex conditions require a medical assessment and may attract an additional premium or exclusion. Complete the online health screening honestly at time of purchase; misrepresentation can void a claim. Verify current definitions in the Fast Cover PDS. Cashback via ShopBack tracks on the eligible premium including any additional pre-existing loading.

Empty any pending Fast Cover quote cart, then click through fresh from the ShopBack Fast Cover merchant page to fastcover.com.au. Complete the quote and policy purchase in the same browser session, and confirm the policy documents email. Avoid pasting unofficial third-party promo codes at checkout since they can break cashback tracking. Cashback tracks on eligible policy purchases at the current published rate; see the Fast Cover page on shopback.com.au for live rates.

Yes. Any cancelled or refunded portion of your Fast Cover policy premium is voided from the ShopBack cashback total, since Fast Cover only pays commission on completed policy sales. Cooling-off period cancellations (typically 14 to 21 days from policy issue, per PDS) that trigger a full premium refund will void the corresponding cashback. Verify Fast Cover's cooling-off period in the PDS before considering a cancellation.