Buy Travel Insurance FAQs | Fast Cover

Buying Travel Insurance FAQs

  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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  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 you have started the trip within the 14 day cooling off period.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  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. 

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  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 (see page 59 for eligible policy types).

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  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

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  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

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  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 Benefit 18 Personal Liability of the PDS) - the amount shown in the Benefit Summary of the PDS is the most we will pay for all claims combined under Benefit 18 for the 12 month policy period.
    • Automatic cover for cruising
    • Accompanying spouse/ partner and dependant children/grandchildren can be covered under the policy 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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

Still have questions?

Ask us

Submit online

Call us

1300 409 322

Email us

info@fastcover.com.au

Travel Alerts

Before you purchase your policy and before you travel, read the latest travel alerts that may effect your travel.

Travel Guides

We’ve put together a series of country and city guides to help you with your travel plans.

Travel Suitcase

Be inspired and come along for the ride as we bring you the world before your experience it for yourself.

Please refer to the Product Disclosure Statement for full terms and conditions including limits and exclusions of the insurance policy.

?