Fast Cover Travel Insurance Reviews

This company is a total scam, so don't put your faith in them. Check out the email I received below regarding my claim.

Payment for Claim number: FCD220932
Claimant: Davendran Reddy
Payee: Davendran Reddy
Claim Item Date: 18/12/2022
Payment Type: Trip Disruption Expenses
Claimed Amount: AUD1,340.00
Excess: AUD0.00
Paid Amount: AUD0.00
Paid Currency: Australian $
Co-Payment %: 0

Claim Number: FCD220932:
SETTLEMENT DETAILS

Total claimed: AUD $1,399.07
Total accepted: AUD $0.00
Denied: AUD $1,399.07

THE POLICY

The benefits and coverage under the policy come with specific definitions, conditions, and exclusions. Here’s the relevant info:

Page 44-46

Benefit 6: Trip Disruption Expenses

This benefit is supposed to cover reasonable extra travel and accommodation costs you rack up while still on your trip if something out of your control messes it up.

We will pay:
• Up to the limits in the Benefit Summary for reasonable extra travel and accommodation expenses if your trip (domestic or overseas) gets disrupted for the following reasons:

- Your scheduled or connecting transport is canceled, delayed, shortened, or diverted due to a strike, riot, hijack, civil protest, severe weather, or natural disaster. The event must have started after we issued the Certificate of Insurance.

We will not pay:

If delays or rescheduling happen because of a bus line, airline, shipping line, or rail authority, unless it’s due to a strike, riot, hijack, civil protest, severe weather, or natural disaster.

OUR REVIEW

Looking over your claim, we see you’re asking for $1,399.07 because your original flights were canceled.

You’re also claiming for lost accommodation and extra meal & taxi costs because the airlines canceled your flights.

However, based on the policy, cancellations or disruptions caused by airlines aren’t covered unless they were due to a strike, riot, hijack, civil protest, severe weather, or natural disaster.

I had to file a claim for my luggage being late, and the online process was quick and straightforward, plus I got some assistance over the phone. I’ll definitely choose this company again for my next trip.

The buying process is straightforward, and the customer support is really nice. I've shopped with them several times now, so they're my go-to.

I've been a customer of Fast Cover for quite a while now, and honestly, I can't complain about anything. Throughout the years, I've only had to make two claims, and they were handled pretty quickly. Fingers crossed we can all hit the road again soon, and I know I'll be relying on their services again.

To be real, if you prioritize price over quality, this is the outcome you end up with. I've received a couple, maybe three emails from Fast regarding confirmed details, and then suddenly, I felt like a criminal, being referred to their agencies. I won't ever pick this company again or suggest them to anyone. I've never felt so treated like a criminal in my life just for trying to claim the insurance I actually paid for.

STAY AWAY FROM THIS COMPANY! I had a policy that promised full unlimited medical coverage, but when I got hurt on a trip to the US, they refused to cover my surgery for a broken bone because it was too pricey. I was left in the hospital for hours, in pain, just waiting for them to get back to me. They told me that unless my injury was life-threatening, they wouldn’t pay for any medical costs! Then they mentioned they’d look for a cheaper hospital for the surgery, but it would take at least a day to get quotes from different places. I was stuck in a remote area, three hours from any other hospital, all alone with no way to get to another facility, so I had no option but to fly back home. Dealing with them was a nightmare, and their response time was painfully slow. I was already on a plane halfway home when they finally attempted to arrange an upgrade for my flight. Just utterly useless!

Navigating your site was a breeze for setting up a new policy. I've been traveling a ton since 1980, always making sure I have insurance. I've been to a bunch of countries without any issues. Since I've never had to file a claim in nearly 40 years, I think it’d be nice to get some acknowledgment, like a discount, similar to what’s offered for car insurance.

SCAM ARTISTS.

My Aussie flatmate (on a 2-Year Visa) had a mishap while playing some casual baseball. The batter swung, hit the ball, and it came right at her, smashing her hand. She ended up dislocating her thumb and breaking a bit of bone. After heading to the emergency room, they told her she needed surgery pronto. They scheduled it for within a week since it was urgent. FastCover has been totally unreliable and a pain to get in touch with. They say one thing on the phone and then flip the script in emails. Now, they’re not covering the surgery costs and are telling her to fly back home, without covering the flight either. WHAT'S THE POINT OF HAVING INSURANCE THEN?!?!?! This company is a total joke, and I’ll make sure everyone knows to steer clear and find a better insurance provider.

While I was in Asia, I got really ill, and I’m super lucky to have had my coverage with Fast Cover. Their communication with the medical teams was top-notch, making it a breeze to go over the treatment details and other important decisions. I’ve never had to file an insurance claim before, but I could concentrate on getting better while the insurance folks handled everything to make sure I received the best care possible.

Exactly what the name implies, receiving a quote was super fast. It was easy to understand what I was getting, and their customer service was top-notch. I’ll definitely be coming back for more.

Total rip-off. I bought this for a special getaway I saved up for after losing my husband, wanting to take my two girls to Honolulu. My bag got snatched while we were at the beach; I just turned for a second to hand my daughter a towel, and when I looked back, it was gone. I’m not covered since I left my stuff unattended. I only took about 6 to 8 steps away from my bag. I'm really furious and wouldn’t suggest this to anyone.

Sally

It's been quick and easy up to now for a fair price given the perks provided. If there's a need to make a claim or get medical help, I really hope the same score holds. Only time will tell!

I've interacted with Fast Cover a few times before, and I gotta say, their quick service for our upcoming holiday insurance was top-notch. Much appreciated!

Fast Cover has consistently delivered top-notch service and great quotes. Luckily, I haven't needed to make a claim, but I reckon they'd maintain that same high standard of professionalism if I ever did. Cheers, Joan

I started my search online for this insurance and eventually reached out to customer service since I had some more questions that needed answering before I made a decision. The customer service team was really patient and thorough, which gave me the confidence that this was the right travel insurance for us.