Buying Travel Insurance

  1. What type of cover can I choose from?

    You can choose from 6 Plans which range from comprehensive cover to Standard, Medical Only, Domestic Travel, Cancellation & Luggage, Multi Trip and Comprehensive with Snow Cover.

    Further detail about the 6 Plans can be found in the following sections of the Product Disclosure Statement:

    • Plan A - Comprehensive Policy

    Sections* 1 to 16 and 24 to 28 of the PDS for more detail

    • Plan B -  Standard Policy

    Sections* 1 to 5, 9, 11, 15 and 24 to 28 of the PDS for more detail

    • Plan C - Medical Only

    Policy Sections 2, 3 and 15 of the PDS for more detail

    • Plan D - Domestic#

    Policy Sections 1, 4, 6, 11, 13, 15, 16 and 19 to 28 of the PDS for more detail

    • Plan M - Multi Trip

    Policy Sections* 1 to 16 and 24 to 28 of the PDS for more detail

    • Plan S - Comprehensive with Snow Cover#

    Policy Sections* 1 to 28 of the PDS for more detail

    *you will not have cover under certain Policy Sections while travelling in Australia - see 'Geographical Regions' pages 12 to 13 of the PDS for more detail.

    #unless you purchase Plan D or Plan S, you will not have cover for any claims arising from snow sport activities - see General Exclusion 30 on page 52 of the PDS for more detail.

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  2. What happens when I apply for a travel insurance policy?

    When you apply for the policy, we will confirm with you things such as the period of cover, your premium, what cover options and excesses will apply, and whether any standard terms are to be varied (this may be by way of an endorsement).

    These details will be recorded on the Certificate of Insurance issued to you.

    If we are unable to offer you the cover you seek, it will be because the particular product offered is not designed to cover a particular risk or risks including, but not limited to, some geographical regions, some pre-existing medical conditions or some ages. In such a case if you would like to discuss your options please use the contact details on the back cover of the PDS.

    The PDS sets out the cover we are able to provide you with. You need to decide if the benefit limits, type and level of cover are appropriate for you and will cover your potential loss.

    If you have any queries, want further information about the policy or want to confirm a transaction, please use the contact details on the back cover of the PDS.

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  3. How is my premium calculated?

    You will be told the premium payable for your policy when you apply. In calculating the premium, we take into account a number of factors including your destination(s), length of journey, the number of persons and age of persons to be covered under the policy and the plan type you select. The amount of any excess payable, cover for additional options and cover for agreed pre-existing medical conditions is also included in the calculation of your premium.

    Your total premium reflects the amount we calculate to cover these factors as well as any relevant government charges, taxes or levies (such as stamp duty or GST) in relation to your policy. These amounts are included in the total amount payable by you as shown in your Certificate of Insurance.

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  4. What is the Cooling Off period?

    If you decide that you do not want the policy, you may cancel it within 14 days after you are issued your Certificate of Insurance and PDS, and you will be given a full refund of the premium you paid, provided you have not started your journey or you do not want to make a claim or to exercise any other right under the policy.

    After this period you can still cancel your policy but we will not refund any part of your premium if you do.

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  5. Can I buy a policy?

    Cover is only available if:

    • you are a resident of Australia
    • you purchase your policy before you commence your journey; and
    • your journey commences and ends in Australia.

    For temporary residents of Australia on a 457 visa cover is available, however:

    • you must purchase your policy in Australia before you commence your journey; and
    • your journey must commence and end in Australia.

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  6. Can I get cover if I'm a temporary resident of Australia temporarily travelling overseas?

    Cover is available to temporary residents of Australia temporarily travelling overseas and who, at the date the Certificate of Insurance is issued:

    • are aged 74 years and under; and
    • hold a return ticket to Australia; and
    • have a home in Australia to which they intend to return, and
    • hold a current Australian 457 visa which will remain valid beyond the period of their journey.

    Under Section 2 (Overseas Emergency Medical Assistance) of the PDS, if you injure yourself or become sick or die while overseas and it is necessary to repatriate you or your remains, we will, at our option, pay the lesser of the cost of returning you to your home in Australia, or to the international airport nearest to where you normally live overseas. At that point, you will be responsible for all further costs, and cover under all sections of this product will end.

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  7. What are my choices regarding cover for my holiday?

    Under the policy, you choose the cover you require based on your travel arrangements.

    Whether you choose:

    • A Single, Duo or Family policy
    • Plans A, B, C, D, M or S

    depends on the type of cover you want and are eligible to purchase.

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  8. What policy type do I need to take out for my holiday?

    You can choose one of the following cover types:

    Single

    Covers you and your dependants travelling with you.

    Duo

    Covers you and your travelling companion. Duo policies do not provide cover for dependants. We issue one Certificate of Insurance, however, you both have cover as if you are each insured under separate policies with Single benefit limits* per insured person.

    Duo Cover option is not available under Plan M (Multi Trip).

    Family

    Covers you and the members of your Family travelling with you. The benefit limits for Family policies apply to the total of all claims combined, regardless of the number of persons the claims relate to.

    Family Cover is not available under Plan M (Multi Trip).

    * Except for Policy Section 16 (Rental Vehicle Insurance Excess) of the PDS  if you have paid an additional premium for cover under Plan A, B, M or S for Section 16, the amount shown on your Certificate of Insurance is the most we will pay for all claims combined, regardless of the number of persons the claims relate to. Under Plan D, the amount shown in the Table of Benefits of the PDS is the most we will pay for all claims combined, regardless of the number of persons the claims relate to.

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  9. Can I buy Plan A (Comprehensive), Plan B (Standard) or Plan S (Comprehensive with Snow Cover) for any Geographical region?

    You must nominate the applicable Geographical Region for your Journey.

    Please note that under Plans A, B & S Region 1 cannot be selected as these Plans are designed for travel overseas.

    However, you will have cover for certain Policy Sections of the PDS under Plans A, B & S while travelling in Australia - see below for details. Please contact us if there is any uncertainty as to which Geographical Region applies.

    If you are travelling to multiple destinations which are in different Geographical Regions, you must select the highest Geographical Region (Region 1 being the lowest Geographical Region, 9 the highest), as this will cover travel in each of the lower Geographical Regions.

    Example: If you are travelling to Papua New Guinea, Philippines and Europe, you must select Region 6. You will then have cover for all destinations listed under Regions 1 to 6.

    Cover for any loss you suffer must occur in the Geographical Region (or any lower Geographical Region) you have selected. However, stopovers of 2 nights in Regions 4, 6 and 8 are permitted (stopovers in Regions 3, 5 and 7 are not permitted).

    Example: If you are travelling to Bali (and have accordingly selected Region 2 as the Geographical Region), you will have cover for all destinations listed under Regions 1 & 2, as well as up to 2 nights stopover in any of the destinations listed under Regions 4, 6 and 8.

    While you are travelling in Australia (destination must be a minimum of 250km from home), you will only have cover under Policy Sections 1, 4, 6, 11, 13, 14, 15 & 16 of the PDS. If you have purchased Plan S, you will also have cover under Policy Sections 19 to 23 of the PDS while travelling in Australia (destination must be a minimum of 250km from home).

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  10. Can I buy Plan C (Medical Only) for any Geographical region?

    Plan C (Medical Only) You must nominate the applicable Geographical Region for your journey. Please note that under Plan C Region 1 cannot be selected as this Plan is designed for travel overseas.

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  11. Can I buy Plan D (Domestic) for any Geographical region?

    Plan D (Domestic) Geographical Region is fixed at Region 1 - Domestic. Cover for any loss you suffer must occur in this Geographical Region. There is no cover for stopovers in a higher Geographical Region.

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  12. Can I buy Plan M (Multi Trip) for any Geographical region?

    Plan M (Multi Trip) You must nominate one of the following Geographical Regions for your journey: Region 5 - Asia Cruise, Region 7 - Europe Cruise or Region 9 - Worldwide Cruise.

    Cover for any loss you suffer must occur in this Geographical Region (or any lower Geographical Region).

    While you are travelling in Australia (destination must be a minimum of 250km from home), you will only have cover under Policy Sections 1, 4, 6, 11, 13, 14, 15 & 16 of the PDS.

    The maximum period for any one journey is shown on your Certificate of Insurance. You can choose from a maximum period of 15 days, 25 days, 40 days or 63 days.

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  13. Can you tell me more about Multi Trip policies?

    • 12 month policy
    • Unlimited number of journeys
    • Maximum period for any one journey is shown on your Certificate of Insurance. You can choose from a maximum period of 15 days, 25 days, 40 days or 63 days
    • Benefit limits and sub-limits reinstated on the completion of each journey (except for Section15 Personal Liability of the PDS) - the amount shown in the Table of Benefits of the PDS is the most we will pay for all claims combined under Section 15 for the 12 month policy period.
    • Accompanying spouse/ partner and dependant children/grandchildren can be covered under the policy provided they are travelling with you for 100% of the journey. Additional premium may apply.
    • Extensions of cover are not available.
    • Not available for travellers 60 years of age and over.

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Still have questions?

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Call us

1300 409 322

Email us

info@fastcover.com.au

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1300 409 322
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Fax: (02) 8252 4710

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