Common travel insurance benefits FAQs | Fast Cover

Travel insurance benefits FAQs

  1. Are domestic flights covered under my Domestic Plus policy?

    Yes, cover is offered for domestic flights under the Trip Cancellation Expenses, Alternative Transport Expenses & Travel Delay Expenses Benefits.

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  2. Do any policies provide cover if I move to alternative accommodation due to bed bugs or other insect infestations?

    No, cover is NOT provided for alternative accommodation expenses.

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  3. How much am I covered for Trip Cancellation Expenses?

    Benefit Limits for Trip Cancellation Expenses:

    Comprehensive: Up to age 79: Unlimited*, 80 - 89: $40 000*, 90 - 99: $30 000*

    Standard Saver: Up to age 79: $15 000*, 80 - 89: $15 000*, 90 - 99: $15 000*

    Basics: No cover

    Domestic: Up to age 79: Unlimited*, 80 - 89: $40 000*, 90 - 99: $30 000*

    Frequent Traveller Saver: Up to age 64: Unlimited*, 65 and above: Not applicable

    Snow Sports Plus: Up to age 69: Unlimited*, 70 and above: Not applicable

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  4. How much am I covered for Overseas 24/7 Emergency Medical Assistance?

    Benefit Limits for Overseas 24/7 Emergency Medical Assistance:

    Comprehensive: Up to age 79: Unlimited*, 80 - 89: $40 000*, 90 - 99: $30 000*

    Standard Saver: Up to age 79: Unlimited*, 80 - 89: $40 000*, 90 - 99: $30 000*

    Basics: Up to age 79: Unlimited*, 80 - 89: $40 000*, 90 - 99: $30 00*

    Domestic Plus: No cover when travelling within Australia.

    Frequent Traveller Saver: Up to age 64: Unlimited*, 65 and above: Not applicable

    Snow Sports Plus: Up to age 69: Unlimited*, 70 and above: Not applicable

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  5. How much am I covered for Overseas Emergency Medical & Hospital Assistance?

    Benefit Limits for Overseas Emergency Medical & Hospital Assistance:

    Comprehensive: Up to age 79: Unlimited*, 80 - 89: $40 000*, 90 - 99: $30 000*

    Standard Saver: Up to age 79: Unlimited*, 80 - 89: $40 000*, 90 - 99: $30 000*

    Basics: Up to age 79: Unlimited*, 80 - 89: $40 000*, 90 - 99: $30 00*

    Domestic Plus: No cover when travelling within Australia.

    Frequent Traveller Saver: Up to age 64: Unlimited*, 65 and above: Not applicable

    Snow Sports Plus: Up to age 69: Unlimited*, 70 and above: Not applicable

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  6. How much am I covered for Overseas Emergency Dental?

    Benefit Limits for Overseas Emergency Dental:

    Comprehensive: $1000

    Standard Saver: $750

    Basics: $500

    Domestic Plus: No cover when travelling within Australia.

    Frequent Traveller Saver: $1000

    Snow Sports Plus: $1000

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  7. How much am I covered for Overseas Emergency Evacuation?

    Benefit Limits for Overseas Emergency Evacuation:

    Comprehensive: Up to age 79: Unlimited*, 80 - 89: $40 000*, 90 - 99: $30 000*

    Standard Saver: Up to age 79: Unlimited*, 80 - 89: $40 000*, 90 - 99: $30 000*

    Basics: Up to age 79: Unlimited*, 80 - 89: $40 000*, 90 - 99: $30 00*

    Domestic Plus: No cover when travelling within Australia.

    Frequent Traveller Saver: Up to age 64: Unlimited*, 65 and above: Not applicable

    Snow Sports Plus: Up to age 69: Unlimited*, 70 and above: Not applicable

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  8. How much am I covered for Trip Disruption Expenses?

    Benefit Limits for Trip Disruption Expenses:

    Comprehensive: Single & DUO policies: $50 000*, Family policies: $100 000*

    Standard Saver: Single & DUO policies: $30 000*, Family policies: $60 000*

    Basics: No cover

    Domestic Plus: Single & DUO policies: $50 000*, Family policies: $100 000*

    Frequent Traveller Saver: $50 000*

    Snow Sports Plus: Single & DUO policies: $50 000*, Family policies: $100 000*

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  9. How much am I covered for Trip Resumption Expenses?

    Benefit Limits for Trip Resumption Expenses:

    Comprehensive: Single & DUO policies: $3000*, Family policies: $6000*

    Standard Saver: Single & DUO policies: $2000*, Family policies: $4000*

    Basics: No cover

    Domestic Plus: Single & DUO policies: $3000*, Family policies: $6000*

    Frequent Traveller Saver: $3000*

    Snow Sports Plus: Single & DUO policies: $3000*, Family policies: $6000*

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  10. How much am I covered for Overseas Hospital Cash Payment?

    Benefit Limits for Overseas Hospital Cash Payment:

    Comprehensive: Single & DUO policies: $5000*, Family policies: $10 000*

    Standard Saver: No cover

    Basics: No cover

    Domestic Plus: No cover

    Frequent Traveller Saver: $5000*

    Snow Sports Plus: Single & DUO policies: $5000*, Family policies: $10 000*

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  11. How much am I covered for Accidental Death?

    Benefit Limits for Accidental Death:

    Comprehensive: Up to age 79: $25 000*, 80 - 89: $20 000, 90 - 99: $15 000*

    Standard Saver: No cover

    Basics: No cover

    Domestic Plus: Up to age 79: $25 000*, 80 - 89: $20 000, 90 - 99: $15 000*

    Frequent Traveller Saver: Up to age 64: $25 000*, 65+: Not applicable

    Snow Sports Plus: Up to age 69: $25 000*, 70+: Not applicable

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  12. How much am I covered for Permanent Disability?

    Benefit Limits for Permanent Disability:

    Comprehensive: Up to age 79: $25 000*, 80 - 89: $20 000, 90 - 99: $15 000*

    Standard Saver: No cover

    Basics: No cover

    Domestic Plus: No cover

    Frequent Traveller Saver: Up to age 64: $25 000*, 65+: Not applicable

    Snow Sports Plus: Up to age 69: $25 000*, 70+: Not applicable

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  13. How much am I covered for Loss of Income?

    Benefit Limits for Loss of Income:

    Comprehensive: Single & DUO policies: $10 000*, Family policies: $20 000*

    Standard: No cover

    Basics: No cover

    Domestic Plus: Single & DUO policies: $10 000*, Family policies: $20 000*

    Frequent Traveller Saver: $10 000*

    Snow Sports Plus: Single & DUO policies: $10 000*, Family policies: $20 000*

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  14. How much am I covered for Passports, Credit Cards & Credit Card Fraud?

    Benefit Limits for Passports, Credit Cards & Credit Card Fraud:

    Comprehensive: Single & DUO policies: $5000*, Family policies: $10 000*

    Standard Saver: Single & DUO policies: $2000*, Family policies: $4000*

    Basics: No cover

    Domestic Plus: No cover

    Frequent Traveller Saver: $5000*

    Snow Sports Plus: Single & DUO policies: $5000*, Family policies: $10 000*

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  15. How much am I covered for Theft of Cash?

    Benefit Limits for Theft of Cash:

    Comprehensive: Single, DUO & Family policies: $250*

    Standard Saver: No cover

    Basics: No cover

    Domestic Plus: No cover

    Frequent Traveller Saver: $250*

    Snow Sports Plus: Single, DUO & Family policies: $250*

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  16. How much am I covered for Luggage and Personal Effects?

    Benefit Limits for Luggage and Personal Effects:

    Comprehensive: Single & DUO policies: $10 000*, Family policies: $20 000*

    Standard Saver: Single & DUO policies: $5000*, Family policies: $10 000*

    Basics: Optional $2000

    Domestic Plus: Single & DUO policies: $7500*, Family policies: $15 000*

    Frequent Traveller Saver: $10 000*

    Snow Sports Plus: Single & DUO policies: $10 000*, Family policies: $20 000*

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  17. How much am I covered for Delay of Luggage and Personal Effects?

    Benefit Limits for Delay of Luggage and Personal Effects:

    Comprehensive: Single & DUO policies: $500*, Family policies: $1000*

    Standard Saver: No cover

    Basics: No cover

    Domestic Plus: No cover

    Frequent Traveller Saver: $500*

    Snow Sports Plus: Single & DUO policies: $500*, Family policies: $1000*

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  18. How much am I covered for Travel Delay Expenses?

    Benefit Limits for Travel Delay Expenses:

    Comprehensive: Single & DUO policies: $2000*, Family policies: $4000*

    Standard Saver: No cover

    Basics: No cover

    Domestic Plus: Single & DUO policies: $2000*, Family policies: $4000*

    Frequent Traveller Saver: $2000*

    Snow Sports Plus: Single & DUO policies: $2000*, Family policies: $4000*

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  19. How much am I covered for Alternative Transport Expenses?

    Benefit Limits for Alternative Transport Expenses:

    Comprehensive: Single & DUO policies: $5000*, Family policies: $10 000*

    Standard Saver: No cover

    Basics: No cover

    Domestic Plus: Single & DUO policies: $5000*, Family policies: $10 000*

    Frequent Traveller Saver: $5000* Snow Sports Plus: Single & DUO policies: $5000*, Family policies: $10 000*

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  20. How much am I covered for Personal Liability?

    Benefit Limits for Personal Liability:

    Comprehensive: Single, DUO & Family policies: $5 000 000*

    Standard Saver: Single, DUO & Family policies: $2 500 000*

    Basics: Single, DUO & Family policies: $1 000 000*

    Domestic Plus: Single, DUO & Family policies: $5 000 000*

    Frequent Traveller Saver: $5 000 000*

    Snow Sports Plus: Single, DUO & Family policies: $5 000 000*

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  21. How much am I covered for Rental Vehicle Excess?

    Benefit Limits for Rental Vehicle Excess:

    Comprehensive: Option of Rental Vehicle Excess cover up to $5000 or $8000 for extra fee

    Standard Saver: Option of Rental Vehicle Excess cover up to $5000 or $8000 for extra fee

    Basics: No option to add Rental Vehicle Insurance Excess

    Domestic Plus: Up to $5000

    Frequent Traveller Saver: Option of Rental Vehicle Excess cover up to $5000 or $8000 for extra fee

    Snow Sports Plus: Option of Rental Vehicle Excess cover up to $5000 or $8000 for extra fee

    *Exclusions, limits and sub-limits may apply. See our PDS for details.

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  22. How much am I covered for Snow Sports Equipment?

    Benefit Limits for Snow Sports Equipment:

    Comprehensive: No cover

    Standard Saver: No cover

    Basics: No cover

    Domestic Plus: Single & DUO policies: $1500*, Family policies: $3000*

    Frequent Traveller Saver: No cover

    Snow Sports Plus: Single & DUO policies: $1500*, Family policies: $3000*

    *Exclusions, limits and sub-limits apply. See our PDS for details.

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  23. How much am I covered for Snow Equipment Replacement Hire?

    Benefit Limits for Snow Equipment Replacement Hire:

    Comprehensive: No cover

    Standard Saver: No cover

    Basics: No cover

    Domestic Plus: Single & DUO policies: $1500*, Family policies: $3000*

    Frequent Traveller Saver: No cover

    Snow Sports Plus: Single & DUO policies: $1500*, Family policies: $3000*

    *Exclusions, limits and sub-limits apply. See our PDS for details.

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  24. How much am I covered for Snow Prepaid Expenses?

    Benefit Limits for Snow Prepaid Expenses:

    Comprehensive: No cover

    Standard Saver: No cover

    Basics: No cover

    Domestic Plus: Single & DUO policies: $750*, Family policies: $1500*

    Frequent Traveller Saver: No cover

    Snow Sports Plus: Single & DUO policies: $750*, Family policies: $1500*

    *Exclusions, limits and sub-limits apply. See our PDS for details.

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  25. How much am I covered for Snow Resort Closure?

    Benefit Limits for Snow Resort Closure:

    Comprehensive: No cover

    Standard Saver: No cover

    Basics: No cover

    Domestic Plus: Single & DUO policies: $1000*, Family policies: $2000*

    Frequent Traveller Saver: No cover

    Snow Sports Plus: Single & DUO policies: $1000*, Family policies: $2000*

    *Exclusions, limits and sub-limits apply. See our PDS for details.

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  26. How much am I covered for the Golf Pack?

    Benefit Limits for the Golf Pack:

    This Golf cover is only available if you purchase the Golf Pack for an additional fee.

    Comprehensive: Single & DUO policies: $2500*, Family policies: $5000*

    Standard Saver: Single & DUO policies: $2500*, Family policies: $5000*

    Basics: No option to add Golf Pack

    Domestic Plus: Single & DUO policies: $2500*, Family policies: $5000*

    Frequent Traveller Saver: $2500*

    Snow Sports Plus: Single & DUO policies: $2500*, Family policies: $5000*

    *Exclusions, limits and sub-limits apply. See our PDS for details.

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  27. How much am I covered for the Bicycle Pack?

    Benefit Limits for the Bicycle Pack:

    Cover for your Bicycle is only available if you purchase the Bike Pack for an additional fee.

    Comprehensive: Single, DUO & Family policies: Any one bike is covered up to $5000 and $15 000* for all claims combined.

    Standard Saver: Single, DUO & Family policies: Any one bike is covered up to $5000 and $15 000* for all claims combined.

    Basics: No option to add Bike Pack

    Domestic Plus: Single, DUO & Family policies: Any one bike is covered up to $5000 and $15 000* for all claims combined.

    Frequent Traveller Saver: Any one bike is covered up to $5000 and $15 000* for all claims combined.

    Snow Sports Plus: Single, DUO & Family policies: Any one bike is covered up to $5000 and $15 000* for all claims combined.

    *Exclusions, limits and sub-limits apply. See our PDS for details.

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