Duo & Couples Travel Insurance ++

A Duo policy can be taken out by two travellers who are travelling together on the same itinerary for at least 75% of the trip who are both listed in the Certificate of Insurance. It doesn’t matter if you live in different states of Australia, what matters is that your departure and return dates line up and you’re travelling together on the same journey. 

This type of policy is commonly chosen by couples, relatives, or friends who want to share one policy instead of buying two separate Single policies. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

With a Duo policy, both travellers are normally covered for the same trip dates and itinerary. If one traveller decides to return home while the other wants to stay travelling, a new policy will need to be issued for the extended period of travel. 

To arrange this, contact Fast Cover for assistance: 

• Email: info@fastcover.com.au 
• Phone (Australia): 1300 409 322 
• Phone (Overseas): +61 2 8215 7239 

Important things to know about extensions 

• Extensions cannot cover new or changed medical conditions that arise during the original policy, unless approved after further medical screening and payment of any additional premium. 
• Ongoing medical treatment, tests, or related expenses beyond the original return date are generally excluded (see General Exclusion 22(e) in the PDS). 
• You must notify Fast Cover of any circumstances that may give rise to a claim under your original policy. 
• Extensions are not available if you are aged 90 years or over at the time of extension. 
• Where approved, a new Certificate of Insurance will be issued. The original and extended policies combined cannot exceed 24 months in total. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

Whether your partner is covered depends on the type of policy you have: 

• Duo policy: If your partner is listed on the policy, they are covered for the same travel dates, provided you are travelling together for at least 75% of the trip. 
• Frequent Traveller Saver policy: You can choose to add cover for your spouse (and dependants if applicable) by paying an additional premium. To be covered, they must be listed on your policy and travel with you for 100% of each trip. 
• Separate Single policy: If your partner has their own Single policy, or a policy with another provider, the cover depends on the terms shown on their own Certificate of Insurance and Product Disclosure Statement (PDS). 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

A Duo policy is designed for two travellers who are going on the same trip. It can be used by a husband and wife, partners, friends, or relatives, as long as both people are listed on the policy and travelling together for at least 75% of the trip. 

For couples who want to be covered under the same policy, a Duo option is often chosen instead of taking out two separate Single policies. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

A Duo policy provides cover for two travellers on the same trip. Both travellers must be listed on the policy and travel together for at least 75% of the journey. If the original trip ends early, the policy cannot be split for separate trips. Each person will need to purchase their own policy if they plan to travel independently afterwards. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

When you request a Duo quote, the price shown is for both travellers combined, not per person. The premium is based on various factors such as your destination, trip duration, ages, and the type of cover selected. 

This makes Duo policies a way for two travellers on the same itinerary to be covered under one policy, instead of buying two separate Single policies.