Buying Travel Insurance FAQs

Answers shown refer to policies purchased on or after 21st May 17. For policies purchased prior, they are a guide only and you must read the PDS for exact wording.

  1. What type of cover can I choose from?

    You can choose from the  following Policies:

    • Comprehensive
    • Standard Saver
    • Basics
    • Domestic Plus*#
    • Frequent Traveller Saver
    • Snow Sports Plus#

    Further detail about the Policies can be found in the Product Disclosure Statement (PDS).

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

    #unless you purchase the Domestic Plus or Snow Sports Plus policies, you will not have cover for any claims arising from snow sport activities - see the General Exclusions 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 contact Fast Cover via email or call us on 1300 409 322.

    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 contact Fast Cover via email or call us on 1300 409 322.

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  3. How is my premium calculated?

    The premium you pay is shown on the Certificate of Insurance. It is calculated when you purchase the policy and if you vary or extend cover. The premium is calculated based on a number of factors, including the policy you have chosen, your age, where you are going to, the length of your trip, the time between purchase and departure plus any options you have chosen. The amount you pay includes allowances for government fees, taxes and charges (including stamp duty and GST) and may include administration fees, which, if charged, will be listed on the Certificate of Insurance.

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  4. What is the Cooling Off period?

    You have a full 14 days from the purchase date of the policy (as set out in the Certificate of Insurance) to make sure you are happy with every aspect of your Fast Cover Travel Insurance policy. This is known as the “cooling off” period. During this time you may cancel the policy simply by contacting us and we will give you a full refund.

    You cannot cancel your policy if you have exercised any of your rights or powers under the policy (e.g. you have made a claim) or if the travel departure date (shown on your Certificate of Insurance) has passed within the 14 day cooling off period.

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  5. Can I buy a policy?

    Cover is only available if:

    • You are an Australian citizen, or holder of a valid Australian permanent residency visa, permanently residing at an Australian address and hold a current Australian Medicare card which is not a visitor Medicare card; and
    • You purchase your policy before you commence your trip or you satisfy all of the requirements for purchasing a policy while you are already overseas; and
    • Your trip ends in Australia.

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

    • You hold a current Australian 457 visa which will remain valid beyond the period of your trip; and
    • You have a home in Australia to which you intend to return; and
    • You hold a return ticket to Australia; and
    • Your trip ends in Australia; and
    • You are aged 74 years and under. 

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

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

    • You hold a current Australian 457 visa which will remain valid beyond the period of your trip; and
    • You have a home in Australia to which you intend to return; and
    • You hold a return ticket to Australia; and
    • Your trip ends in Australia; and
    • You are aged 74 years and under.

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

    1) You can choose one of the following cover types:

    Single

    Covers you and your dependants travelling with you.  Limits apply to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of Insurance.  

    Duo

    Covers you and your nominated travelling companion listed in the Certificate of Insurance. You must be travelling on the same itinerary for 75% of your trip. 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.  

    * Except for Benefit 19 – Rental Vehicle Excess 

    Family

    Covers you, your spouse or partner, and dependant children travelling with you.  Dependant children may be your children or your grandchildren.

    The benefit limits for Family Policies is equal to double the Single policy benefit limit*, and apply to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of Insurance. 

     

    * The benefit limit is not doubled for the following benefits and optional covers: 

    •       Benefit 13 – Theft of Cash

    •       Benefit 18 – Personal Liability

    •       Benefit 19 – Rental Vehicle Excess

    •       Benefit 23 – Snow Resort Closure

    •       Benefit 26 – Bicycle Pack

     

    2) Policies and Optional Covers you can purchase

    Comprehensive & Standard Saver

    Available to travellers of all ages if purchased before departing Australia.

    Available to travellers aged 74 years and under at time of purchase if purchased after departing Australia. 

    Basics

    Available to travellers of all ages if purchased before departing Australia.

    Domestic Plus

    Available to travellers of all ages.

    Snow Sports Plus 

    Available to travellers aged 69 years and under at time of purchase.

    Frequent Traveller Saver

    Available to travellers aged 64 years and under at time of purchase.

    Adventure Pack

    Available to travellers aged 74 years or under at time of purchase (Check PDS for eligible policy types).

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

    You can choose one of the following Policy types:

    Single

    Covers you and your dependants travelling with you.  Limits apply to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of Insurance.  

    Duo

    Covers you and your nominated travelling companion listed in the Certificate of Insurance. You must be travelling on the same itinerary for 75% of your trip. 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.  

    * Except for Benefit 19 – Rental Vehicle Excess 

    Family

    Covers you, your spouse or partner, and dependant children travelling with you.  Dependant children may be your children or your grandchildren.

    The benefit limits for Family Policies is equal to double the Single policy benefit limit*, and apply to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of Insurance. 

     

    * The benefit limit is not doubled for the following benefits and optional covers: 

    •       Benefit 13 – Theft of Cash

    •       Benefit 18 – Personal Liability

    •       Benefit 19 – Rental Vehicle Excess

    •       Benefit 23 – Snow Resort Closure

    •       Benefit 26 – Bicycle Pack

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  9. Can I buy Comprehensive, Standard Saver or Snow Sports Plus for any Geographical region?

    Yes, You must nominate the applicable Geographical Region for your Journey.

    Please note that the Comprehensive. Standard Saver, Basics and Snow Sports Plus policies for travel solely within Australia cannot be selected as these policies are designed for travel overseas.

    However, you will have cover for certain Benefit Sections of the PDS for the Comprehensive. Standard Saver and Snow Sports Plus policies 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 (Domestic being the lowest Geographical Region, Worldwide 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 the Europe region. You will then have cover for all destinations listed under Europe.

    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 the Pacific, Asia, Europe and Worldwide regions are permitted.

    Example: If you are travelling to Bali (and have accordingly selected the Pacific as the Geographical Region), you will have cover for all destinations listed under the Pacific region, as well as up to 2 nights stopover in any of the destinations listed under the Asia, Europe and Worldwide regions.

    While you are travelling in Australia (destination must be a minimum of 200km from home), you will only have cover for certain Benefit Sections of the PDS. Refer to the PDS for more information

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  10. Can I buy the Basics policy for any Geographical region?

    For the Basics policy You must nominate the applicable Geographical Region for your journey. Please note that the Basics policy for the domestic region cannot be selected as this policy is designed for travel overseas.

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  11. Can I buy a Domestic Plus policy for any Geographical region?

    The Domestic Plus policy can only be purchased for travel within Australia. 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 a Frequent Traveller Saver policy for any Geographical region?

    For the Frequent Traveller Saver policy, You must nominate one of the following Geographical Regions for your journey: Asia, Europe or Worldwide.

    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 200km from home), you will only have cover under certain Benefit Sections 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 the Frequent Traveller Saver policies?

    • 12 month policy
    • Unlimited number of trips
    • 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 Personal Liability Benefit of the PDS) - the amount shown in the Benefit Summary of the PDS is the most we will pay for all claims combined under the Personal Liability Benefit for the 12 month policy period.
    • Automatic cover for cruising
    • Accompanying spouse/ partner and dependant children/grandchildren can be covered under the policy as an optional benefit, provided they are travelling with you for 100% of the journey. An additional premium will apply.
    • Extensions of cover are available for an additional premium.
    • Cover for snow sports is available for an additional premium.
    • Not available for travellers 65 years of age and over.
    • Cancellation cover starts on the date you have specified on your policy, not on the policy purchase date (unless you specify the purchase date as the date that you wish for the policy to commence).

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  14. Who should buy travel insurance?

    We are able to offer travel insurance to permanent residents of Australia and temporary Australian Residents who hold a current 457 visa, who are travelling domestically more than 200km from their home, or overseas.

    Your trip must commence and end in Australia.

    This is subject to eligibility.

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  15. Why should I buy travel insurance?

    Fast Cover travel insurance covers you for unexpected expenses you may incur on your holiday like overseas medical expenses, theft of your belongings and even cancellation of your trip if you're unable to travel due to sickness or injury. Medical expenses in some countries can cost over $100 000.

    Cover is subject to the policy terms, conditions, limits and exclusions.

    Please remember, these FAQs should be read in conjunction with our Product Disclosure Statement (PDS) so that you can make an informed choice about your travel insurance. Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs. Before you make any decisions about the product, you should read the PDS to ensure that it is suitable to you.

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  16. Is it cheaper to buy travel insurance online?

    No, it makes no difference to the price of your policy, however the great thing about buying online is that you can do it in your own time, and you can always send our travel specialists a message to info@fastcover.com.au if you have a question.

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  17. Which travel insurance policy is best for me?

    You should find a policy that suits the type of trip that you are taking. Are you cruising? Hiring a rental vehicle? Concerned about travel delays or missing your flight connection? These type of questions will help you to choose the policy that's right for you.

    If you need further assistance, our FAQs may help you further, or send our travel specialists a message to info@fastcover.com.au or call us on 1300 409 355.

    Please remember, these FAQs should be read in conjunction with our Product Disclosure Statement (PDS) so that you can make an informed choice about your travel insurance. Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs. Before you make any decisions about the product, you should read the PDS to ensure that it is suitable to you

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  18. How much does travel insurance cost?

    The cost of travel insurance depends on a number of factors including: where you're going, how long you're going for, your current age, the type of activities you're planning on doing (additional options), how many people are travelling, the type of policy you select, and the amount of the excess. It's easy and quick to get a quote.

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  19. I want to buy travel insurance, what do I need to do?

    It's easy: go online to get a quick quote: https://fastcover.com.au/, customise the quote to suit your holiday, pay for your policy and we'll email your policy documents to you.

    If you prefer, call our friendly travel specialists on 1300 409 322 and they can take you through the whole process.

    Cover is subject to the policy terms, conditions, limits and exclusions.

    Please remember, these FAQs should be read in conjunction with our Product Disclosure Statement (PDS) so that you can make an informed choice about your travel insurance. Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs. Before you make any decisions about the product, you should read the PDS to ensure that it is suitable to you.

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  20. What visa do I need to have to be able to buy a policy?

    If you are a temporary resident of Australia travelling overseas, you must hold a 457 visa to be eligible to purchase a policy with us.

    Please check the PDS for additional eligibility criteria for cover.

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  21. What are the ways I can pay for my insurance?

    You can choose from a range of payment options. We accept payment via Credit Card (VISA or MasterCard), Direct Deposit or Cheque.

    We'll email you the Product Disclosure Statement and your Insurance Certificate to you as soon as your payment is approved.

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  22. What are your direct deposit details?

    Our Direct Deposit details are:

    Account Name: Fast Cover Travel Insurance

    Account Number: 439 945 377 BSB: 012 110 (ANZ)

    Deposit Reference: Your Quote Number or Last Name

     

     

    After you have made the direct deposit, please contact us on info@fastcover.com.au or 1300 409 322 with the following details:

    1) The deposit amount and deposit date

    2) The policy you would like to purchase and any additional options available for that policy type (for example: excess reduction, adventure pack, rental vehicle insurance excess pr extra cover for valuable items)

    3) Your details: full name, date of birth, address (P.O. Box is fine), email address and contact phone number)

    We can then process your policy and issue you with a policy certificate.

    Please note that policies can only be issued once the direct deposit payment has been confirmed by Fast Cover.

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  23. Do you charge for Credit Card payments?

    No, we do not charge a fee for credit card payments. We accept Visa or Mastercard.

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  24. Do you provide travel insurance for Seniors?

    Yes, we cover travellers of all ages.

    Get a quick quote: https://fastcover.com.au/ or contact us on 1300 409 322.

    Please note there are age limits on some types of travel insurance policies and activities. Refer to the Age Limits section of our PDS for more information.

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  25. Can I buy a policy for one way trip?

    Yes, only if you intend to return to Australia. The policy must start on your departure date from Australia.

    If you are not sure of when you are planning to return to Australia, the return date can be a date before your actual return to Australia.

    Once you confirm your actual return date, you can request to extend your policy to the actual return date.

    The maximum duration of a policy is 24 months.

    Please note that holders of a 457 visa are not eligible for one way trips. If you have a 457 visa, you must hold a return ticket to Australia.

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  26. Your website says that your Comprehensive policy is the most popular - what does that mean?

    This means that more travellers purchase the Comprehensive policy compared to the other policies that we offer.

    The Comprehensive policy offers cover for more benefits, and the benefit limits are higher compared to the Standard Saver and Basics policies. You can purchase the Comprehensive policy online or over the phone for any international trip for travellers of any age.

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  27. Can I get a 1 year domestic policy?

    The maximum number of days you can purchase a Domestic Policy for is 92 days.

    If you will be travelling in the Domestic region for 12 months and wish to have cover for that period of time, you can purchase a Single policy for the Pacific region or a Frequent Traveller Saver policy for the Asia region. 

    Please note that there is no Medical cover while you are travelling in the Domestic region.

    Cover is subject to the policy terms, conditions, limits and exclusions in the PDS.

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  28. I want to buy an already overseas policy - is there an age limit?

    To be eligible for an already overseas policy, you need to be aged 74 or younger at the time you buy your policy.

    Policies purchased while you are already overseas are subject to:
    * a 48 hour waiting period for all benefits; and
    * a $500 excess for all claims. Please note that is not possible to reduce this excess.

    Other eligibility requirements apply if you are purchasing a policy when you have already left Australia.
    Please refer to our PDS for more information.

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  29. If i’m travelling with my sister and her child - can we purchase a family policy?

    No, family policies can only cover you, your spouse or partner, and dependant children travelling with you.

    Dependant children may be your children or your grandchildren under the age of 21 and not in full time employment.

    You will need to purchase your own separate travel insurance policy.

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  30. Do I choose a DUO policy for a husband and wife?

    Yes, DUO policies cover any two travellers who will be travelling together for at least 75% of the time.

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  31. Can I buy a multi trip policy for seniors?

    Frequent Traveller Saver policies cover travellers aged 64 years and under.

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  32. I'm doing the IEC program - how do I get a 2 year policy?

    As long as you meet the eligibility criteria to buy travel insurance from us, we can provide a policy for up to two years through extension of your policy.

    Initially we are only able to issue you with a 12-month policy. Then, from your policy start date, you can login to the Your Policy section of our website and extend it up to the full two years. The date changes are instantaneous and you'll be able to download your updated certificate immediately showing your new cover dates.

    You can also contact us via phone or reply to your policy email to arrange this extension for you.

    For more information, please refer to our IEC page.

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  33. What are the things I should be aware of if I am thinking of buying a policy from Fast Cover?

    Before you buy a policy with us there are 7 things you must know.

    Travel insurance is there to protect you against unexpected circumstances like medical emergencies, trip cancellation and lost baggage.

    Each travel insurance policy is different and we want to ensure our travellers understand how our travel insurance policy works so that you can choose the right cover for your circumstances.

    1. Cover is only available if:
    • You are an Australian citizen, or holder of a valid Australian permanent residency visa, permanently residing at an Australian address and hold a current Australian Medicare card which is not a visitor Medicare card; and
    • You purchase your policy before you commence your trip or you satisfy all of the requirements for purchasing a policy while you are already overseas; and
    • Your trip ends in Australia.

    For temporary residents of Australia on a 457 visa cover is available, however, only if:
    • You hold a current Australian 457 visa which will remain valid beyond the period of your trip; and
    • You have a home in Australia to which you intend to return; and
    • You hold a return ticket to Australia; and
    • Your trip ends in Australia; and
    • You are aged 74 years and under.

    2. If you are already overseas
    If you left Australia without travel insurance or if your travel insurance policy (even if issued by another insurer) has expired, we may be able to help. You can purchase our Standard Saver, Comprehensive and Snow Sport Plus policies if you are already overseas, provided you meet all of the following requirements:
    • You have
    o been overseas for less than 14 days, or
    o have been insured under a travel insurance policy since you left Australia that has been expired for no more than 14 days; and
    • You are an Australian resident normally residing in Australia; and
    • You have a home in Australia to which you intend to return; and
    • Your trip ends in Australia; and
    • You are aged 74 years and under at time of purchase; and
    • You advise us at the time of purchase that you are already overseas (this will be noted on your Certificate of Insurance).

    You cannot purchase a Basics Policy or Frequent Traveller Saver Policy if you are already overseas.

    Policies purchased while you are already overseas are subject to:
    • a 48-hour waiting period for all benefits.
    • a $500 excess for all claims.

    3. It’s your responsibility to read this Product Disclosure Statement (PDS) and decide whether this policy suits your needs
    You should (and we rely on you to) read the PDS before purchasing this insurance. Your policy is made up of this PDS, the Certificate of Insurance and any other change to the terms of the policy otherwise advised by us in writing (such as an endorsement or Supplementary PDS) which may vary or modify the above documents. Together they form our agreement with you. All benefits are subject to the policy terms, conditions, exclusions and limits of cover described in this PDS.

    4. Your medical history affects your cover
    Please consider your medical history carefully. This includes any condition at any time in your entire life that you (including your dependants travelling with you) have:
    • been diagnosed with, or
    • taken or take medication for, or
    • seen a medical practitioner for (GP, physiotherapist, nutritionist, etc.), or
    • had an operation/procedure for, or
    • had a test for (x-ray, blood test, scan, etc.), or
    • received or currently receive any form of treatment.

    Travel insurance policies provide cover for unexpected sudden illnesses or injuries. Our travel insurance includes cover for 43 Pre-existing Medical Conditions but only if you have not been hospitalised for the condition in the past 24 months and your medications for the condition have remained unchanged for the past 6 months prior to purchase and departure. The 43 Pre-existing Medical Conditions that we cover are listed in our PDS.

    If you have a Pre-existing Medical Condition that is not included in this list then it is not covered and we will not pay for any claims where your medical history is a contributing factor.
    Refer to “Pre-existing Medical Conditions” in our PDS for guidelines on cover for Pre-existing Medical Conditions.

    5. You must take all care to protect your possessions
    There are times when we will not pay if you have not looked after your luggage and personal effects. For example, we will not pay if you transport your jewellery, computer or certain other items in the cargo hold of the airplane or other modes of transportation. Similarly, we will not pay if your items are left unsupervised in a public place or in a motor vehicle overnight. This is not a complete list of times when we will not pay if you do not protect your possessions. See Benefit 14 – Luggage and Personal Effects in our PDS for other ways you must protect your possessions.


    You must report a theft within 24 hours to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the theft occurred. You must prove that you made a report by providing us with a written statement from whoever you reported it to.

    6. Money Back Guarantee: You can cancel your policy within 14 days and receive a full refund
    You have a full 14 days from the purchase date of the policy (as set out in the Certificate of Insurance) to make sure you are happy with every aspect of your policy. This is known as the “cooling off” period. During this time, you may cancel the policy simply by writing to us and we will give you a full refund.

    You cannot cancel your policy if you have exercised any of your rights or powers under the policy (e.g. you have made a claim) or if the travel departure date (shown on your Certificate of Insurance) has passed within the 14-day cooling off period.

    7. Your policy is issued by Hollard Insurance
    The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL 241436 (Hollard) is the insurer and the
    issuer of this PDS. Hollard is also responsible for the assessment and payment of all claims.

    Hollard is a part of the Hollard Insurance Group, one of the world’s leading insurance companies, protecting customers with more than 7 million policies throughout Australia, the United States, Africa, Europe, India, and
    China.

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  34. Does the return date on my Fast Cover policy have to be the date that I return to Australia? I want to buy an already overseas policy to cover a part of my trip.

    No, we would not be able to offer you a policy for this type of travel. For your policy to be valid, the return date on your Certificate of Insurance MUST be the date that you return to Australia. If you do purchase an already overseas policy for this type of trip, your policy would be deemed invalid and any claims you make on your policy may be denied.

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  35. Do I need travel insurance when travelling to Lady Elliot Island?

    You should purchase a travel insurance policy for the Pacific region if you are planning on travelling to Lady Elliot Island. Medical facilities are limited on the island and in the event of an emergency, you may need to be evacuated off the island.

    We recommend that you also contact the relevant authorities on the island for more information on what the procedure is should you require medical or hospital treatment.

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  36. Can i buy travel insurance if I have a visa?

    We are only able to provide travel insurance to travellers who are Australian residents who have access to Medicare or who have a 457 visa.

    If you have a 457 visa, you would be eligible for a policy provided:
    * Your visa will remain valid beyond the period of the trip, and
    * You have a home in Australia to which you intend to return, and
    * You hold a return ticket to Australia, and
    * Your trip ends in Australia, and
    * You are aged 74 years and under.

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  37. I haven't left Australia yet, but I want to buy a policy to start when I am already overseas. Can I do this?

    Yes, you will need to purchase an already overseas policy. You also need to be aged 74 or younger at the time you buy your policy

    Please note that policies purchased to begin when you are already overseas or while you are already overseas are subject to:
    * a 48 hour waiting period for all benefits; and
    * a $500 excess for all claims. It is not possible to reduce this excess.

    Other eligibility requirements apply if you are purchasing a policy when you have already left Australia.

    Please refer to our PDS for more information.

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  38. Are there any countries for which you don't cover for?

    We would be unable to provide cover for countries where a ‘Reconsider your need to travel’ or ‘Do not travel’ warning has been issued by smartraveller.

    Please ensure that you check smartraveller for the destinations/s that you plan on travelling to.

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  39. I am buying a policy for myself and my friend, but there is only space to enter one person's address and email address. How can I enter both contact details?

    We only need one traveller's contact details on the policy.
    As long as both traveller's full names and date of birth is listed on the policy, the policy is valid.

    We would only use the contact details on the policy if we have any questions regarding your policy.

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  40. What is the maximum amount of time that I can purchase an Already Overseas policy?

    The maximum amount of time you can purchase an Already Overseas policy is 24 months.

    You would need to firstly take out a policy for the initial 12 months of your trip, and then extend your policy for the another 12 months once your policy starts.

    Please note that policies purchased to begin when you are already overseas or while you are already overseas are subject to:
    * a 48 hour waiting period for all benefits; and
    * a $500 excess for all claims. It is not possible to reduce this excess.

    Other eligibility requirements apply if you are purchasing a policy when you have already left Australia.

    Please refer to our PDS for more information.

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  41. Why are your Already Overseas policies more expensive than policies which start in Australia?

    Our policies are priced depending on your age, where you're travelling to, how long you're travelling for and the type of activities that you'll be doing. From our experience, a traveller who buys a policy after they have already left Australia is more likely to make a claim, so the premium of an Already Overseas policy also reflects that risk.

    Other eligibility requirements apply if you are purchasing a policy when you have already left Australia.


    Please refer to our PDS for more information.

    Accidents can happen to anyone and anytime, and the cost of medical cover in some countries can run in the tens of thousands of dollars. If something does go wrong on your holiday, having a travel insurance policy to cover for the unexpected may far exceeed the cost of the policy itself.

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs. Before you make any decisions about the product, you should read the PDS to ensure that it is suitable to you.

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  42. Can I pay for my policy in instalments?

    At this stage, we are not able to offer instalment payment options for our policies. Policy premiums for the specified travel dates must be paid in full at the time of policy purchase.

    If you are not able to pay the premium for the full duration of your trip, you can consider purchasing a policy for a part of your trip, and then pay for and extend your policy as you travel. For example: If you are planning to travel for 6 months, but do not wish to pay the policy premium for the full 6 months upfront, you can buy a policy for the first month, and then before your policy expires, pay for and extend your policy for another month, and so on until the full 6 months has been reached. There is no surcharge to extending your policy as you travel, and the final cost will be the same as if you had paid for the policy upfront, pending any price adjustments in that time.

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  43. Do you issue policies for people who are relocating?

    We are only able to offer travel insurance policies to travellers who are planning on returning to Australia. If you are relocating overseas and are not planning on returning to Australia, we would not be able to offer you a travel insurance policy.

    Please contact Aussie Travel Cover* on 02 9998 7854, who may be able to offer you a travel insurance policy to cover your relocation.

    *Fast Cover Pty Ltd receives a commission from Aussie Travel Cover for each referred policy.

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Call us

1300 409 322

Email us

info@fastcover.com.au

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