Cancellation FAQs | Fast Cover

Cancellation FAQs

  1. When should I buy my Travel Insurance?

    You can buy your Travel Insurance up to 12 months before your Departure Date.

    For the Comprehensive, Standard Saver, Domestic Plus, Frequent Traveller Plus and Snow Sports Plus policies; the Trip Cancellation Expenses benefit for cancellation fees and lost deposits starts instantly when your policy is issued. It can be best to buy your policy as early as possible to cover you for Trip Cancellation Expenses should the unexpected occur before you start your trip.

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  2. Am I covered if my International flight is delayed or cancelled coming back into Australia and I miss my Domestic flight?

    Yes, you are covered for the Domestic Flight because it is considered part of the international holiday, however it depends on the reason behind the delay or cancellation and whether or not you are able to claim.

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  3. Are my Pre-Existing Medical Conditions taken into account for Trip Cancellation Expenses cover?

    Yes, if your Pre-Existing Medical Condition is covered by your policy and is relevant to the cancellation or shortening of your trip, it will be taken into account when determining your Trip Cancellation Expenses cover.

    If you have a Pre-existing Medical Condition that is not covered by your policy, we will not pay any claims arising from, related to or associated with that condition, including with respect to cancellation expenses. We list all the Pre-Existing Medical Conditions that are covered (some restrictions apply) here.

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  4. Am I covered for Trip Cancellation Expenses if I can't get a visa to get into the country that I wish to visit?

    No, Our policies do not offer cover for Trip Cancellation Expenses if you are unable to obtain a visa for the country or countries you intend to travel to.

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  5. What is 'Trip Cancellation Expenses' cover?

    Important cover conditions 

    Cover under this benefit is subject to the following conditions:

    • Once a claim is made under this benefit, your policy ends, and another travel insurance policy will need to be purchased for a new trip.

    We will pay:

    Up to the limits set out in the Benefit Summary above, if your trip is cancelled or shortened at any time through circumstances neither expected nor intended by you and outside your control:

    • Your cancellation, rescheduling fees and lost deposits for travel and accommodation arrangements that you have paid in advance and cannot recover in any other way. We will pay the lessor of cancellation or rescheduling.
    • The travel agent’s cancellation fees up to $1,500 where all monies have been paid or the maximum amount of the deposit has been paid at the time of the cancellation. However, we will not pay more than the level of commission or service fees normally earned by the agent, had your trip not been cancelled. We will require written evidence of the travel agent’s fee.
    • You¸ your relative or travelling companion are a member of the armed forces, police, fire, nursing or ambulance services and you must stay in Australia because of an emergency or you are posted overseas unexpectedly.
    • You for loss of frequent flyer or similar air travel points you used to purchase an airline ticket following the cancellation of that airline ticket, if you cannot recover the lost points from any other source. we calculate the amount we pay you as follows:
      • the cost of an equivalent class airline ticket based on the quoted retail price at the time the ticket was issued, less your financial contribution; multiplied by:
      • the total value of the points lost, divided by the total number of points used to obtain the ticket.

    We will not pay:

    • If you were aware of any reason, before your period of insurance commenced, that causes your trip to be cancelled, abandoned or shortened.
    • As a result of the death, injury or sickness of your relative that arises from a Pre-existing Medical Condition; however, if your relative is hospitalised in or dies in Australia or New Zealand after the policy is issued and the hospitalisation or death is due to a Pre-Existing Medical Condition that at the time of policy issue you could not reasonably be aware would result in hospitalisation or death, then we will pay up to $2,000.
    • As a result of the death, injury or sickness of any person who resides outside of Australia or New Zealand.
    • As a result of you or your travelling companion changing plans or deciding not to continue with the intended trip.
    • If your claim relates to the financial collapse of any carrier or tour or accommodation provider.
    • As a result of a tour operator or wholesaler being unable to complete arrangements for any tour because there were not enough people to go on the tour.
    • For any claim or loss arising out of any business, financial or contractual obligations. This exclusion does not apply to claims where you or your travelling companion are made redundant from full-time employment in Australia provided you or they were not aware that the redundancy was to occur before you purchased your policy.
    • As a result of delays or rescheduling by a bus line, airline, shipping line or rail authority.
    • As a result of the mechanical breakdown of any means of transport.
    • As a result of an act or threat of terrorism.
    • If you can claim your additional travel and accommodation expenses from anyone else.
    • For costs which you have paid on behalf of any other person, unless that person is also an insured person named on your Certificate of Insurance. An excess will still be applied to each person who the costs relate to.
    • As a result of mental illness (including depression, anxiety, stress, mental or nervous conditions) suffered by you, a relative or another person unless:
      1) a mental illness diagnosis has been made by a medical practitioner that is a registered and certified mental health professional; and
      2) the medical practitioner certifies that the mental illness prevents you from starting or finishing your journey; and
      3) the mental illness has first occurred or first manifested during your Period of Insurance.
    • For more than the applicable limits set out in the Benefit Summary in the PDS.

    Please also read the General Exclusions that apply to all benefits in the PDS

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  6. Am I covered for Trip Cancellation Expenses if I am in the Armed Forces (army/navy/air force) and are recalled to work unexpectedly?

    Yes, we have special provisions in place for Trip Cancellation Expenses for members of the Australian Armed Forces where their pre-arranged leave is cancelled by their employer. However, if you have bought a policy where there was a high expectation of you being recalled, you may not be covered.

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  7. Is my policy still valid if I delay my departure date, lodge a claim and then begin my trip within my original travel dates?

    Yes, your policy is still valid for the original dates even if you need to make a claim for the delay. If you do not return on your original return date, you would need to pay for an Extension - you will NOT be able to claim for this cost.

    Where your trip is necessarily extended due to an event that entitles you to make a claim under this policy, we will extend your cover free of charge until you are able to travel home by the quickest and most direct route or
    for a period of six (6) months, whichever happens first.

    Please contact us (see below) to notify us of the event and extension.

     info@fastcover.com.au
     1300 409 322 (9am to 6pm Sydney time weekdays)
     +61 2 8215 7239 (from overseas)

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  8. Am I covered if I have an international policy and my Domestic Flight from my home to another city is Cancelled or Delayed which results in me missing my International Flight or Cruise?

    Yes, cover for this scenario is offered under the Alternative Transport Expenses Benefit included with the Comprehensive, Snow Sports Plus, Domestic Plus or Frequent Traveller Saver policies. In some circumstances cover is also offered under the Trip Cancellation Expenses Benefit which is included in the above policies and also the Standard Saver policy.

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  9. What is covered under 'Trip Cancellation Expenses'?

    You have this cover if you chose the Comprehensive, Standard Saver. Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies.

    Important cover conditions

    Cover under this benefit is subject to the following conditions:

    • Once a claim is made under this benefit, your policy ends, and another travel insurance policy will need to be purchased for a new trip.

    We will pay:

    Up to the limits set out in the Benefit Summary in the PDS, if your trip is cancelled or shortened at any time through circumstances neither expected nor intended by you and outside your control:

    • Your cancellation, rescheduling fees and lost deposits for travel and accommodation arrangements that you have paid in advance and cannot recover in any other way. We will pay the lessor of cancellation or rescheduling.\
    • The travel agent’s cancellation fees up to $1,500 where all monies have been paid or the maximum amount of the deposit has been paid at the time of the cancellation. However, we will not pay more than the level of commission or service fees normally earned by the agent, had your trip not been
      cancelled. We will require written evidence of the travel agent’s fee.
    • You¸ your relative or travelling companion are a member of the armed forces, police, fire, nursing or ambulance services and you must stay in Australia because of an emergency or you are posted overseas unexpectedly.
    • You for loss of frequent flyer or similar air travel points you used to purchase an airline ticket following the cancellation of that airline ticket, if you cannot recover the lost points from any other source. we calculate the amount we pay you as follows:
      o the cost of an equivalent class airline ticket based on the quoted retail price at the time the ticket was issued, less your financial contribution; multiplied by:
      o the total value of the points lost, divided by the total number of points used to obtain the ticket.

    We will not pay:

    • If you were aware of any reason, before your period of insurance commenced, that causes your trip to be cancelled, abandoned or shortened.
    • As a result of the death, injury or sickness of your relative that arises from a Pre-Existing Medical Condition; however, if your relative is hospitalised in or dies in Australia or New Zealand after the policy is issued and the hospitalisation or death is due to a Pre-Existing Medical Condition that at the time of policy issue you could not reasonably be aware would result in hospitalisation or death, then we will pay up to $2,000.
    • As a result of the death, injury or sickness of any person who resides outside of Australia or New Zealand.
    • As a result of you or your travelling companion changing plans or deciding not to continue with the intended trip.
    • If your claim relates to the financial collapse of any carrier or tour or accommodation provider.
    • As a result of a tour operator or wholesaler being unable to complete arrangements for any tour because there were not enough people to go on the tour.
    • For any claim or loss arising out of any business, financial or contractual obligations. This exclusion does not apply to claims where you or your travelling companion are made redundant from full-time employment in Australia provided you or they were not aware that the redundancy was to occur
      before you purchased your policy.
    • As a result of delays or rescheduling by a bus line, airline, shipping line or rail authority.
    • As a result of the mechanical breakdown of any means of transport.
    • As a result of an act or threat of terrorism.
    • If you can claim your additional travel and accommodation expenses from anyone else.
    • For costs which you have paid on behalf of any other person, unless that person is also an insured person named on your Certificate of Insurance. An excess will still be applied to each person who the costs relate to.
    • As a result of mental illness (including depression, anxiety, stress, mental or nervous conditions) suffered by you, a relative or another person unless:
      o a mental illness diagnosis has been made by a medical practitioner that is a registered and certified mental health professional; and
      o the medical practitioner certifies that the mental illness prevents you from starting or finishing your journey; and
      o the mental illness has first occurred or first manifested during your Period of Insurance.
    • For more than the applicable limits set out in the Benefit Summary in the PDS

    Please also read General Exclusions in the PDS that apply to all benefits.

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  10. What am I covered for if I have a Domestic policy, and my Domestic flight is cancelled at the beginning of my trip?

    If your domestic flight is cancelled due to circumstances out of your control, you may be able to claim for expenses including travel delay and alternative transport costs to catch a different flight to get to your destination, as long as the reason for the cancellation is due to an event that you can claim for under your policy.

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

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  11. Will travel insurance cover trip cancellation for any reason?

    No, travel insurance does not cover cancellation for any reason.

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

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  12. Am I covered if I have to cancel my trip due to a Terrorist attack?

    No, there is no cancellation cover for any act or threat of terrorism.

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  13. I'm going to a wedding overseas, will I be covered for cancellation if the wedding party decides to cancel the wedding?

    Yes, as long as you did not expect the wedding to be cancelled when purchasing the policy.

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

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1300 409 322

Email us

info@fastcover.com.au

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