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 and you need to buy your policy BEFORE you leave Australia. Unlimited Cancellation cover 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 Cancellation 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.

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

    Yes, if your Pre-Existing Medical Condition is covered by your policy and is relevant to the cancellation or shortening of your journey, it will be taken into account when determining your cancellation 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 Cancellations 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 Cancellation costs 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 Cancellation cover?

    Cancellation cover is a benefit that starts when your Certificate of Insurance is issued. If your trip is cancelled or shortened due to circumstances outside of your control, you would be covered for payments that you have already made for your trip.

     

    For example, if you unexpectedly become sick and your doctor confirms you can't travel, Cancellation Cover covers your cancellation fees and lost deposits for travel and accommodation arrangements that you have paid in advance and cannot recover in any other way.

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  6. Am I covered for Cancellation 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 Cancellations 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.

     

    Free extension of cover for your return (not your departure) only applies if a bus line, airline, shipping line or rail authority you are travelling on, or that has accepted your fare or Luggage and Personal Effects, is delayed, or the delay is due to a reason for which you can claim under your policy (subject to our written approval).

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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 Benefit included with Comprehensive Plan A, Comprehensive Snow Plan S or Multi Trip Plan M. In some circumstances cover is also offered under the Cancellation Benefit which is included in the above plans and also Standard Plan B.

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  9. What is covered under 'Cancellation Fees and Lost Deposits'?

    You have this cover if you chose Plan A, B, D, M or S.

    We will pay:

    a) We will pay your cancellation fees and lost deposits for travel and accommodation arrangements that you have paid in advance and cannot recover in any other way if your journey is cancelled or shortened at any time through circumstances neither expected nor intended by you and outside your control.

    b) We will pay the travel agent's cancellation fees up to $1,500 for Single policies, $1,500 per person for Duo policies or $3,000 for Family policies, where all monies have been paid or the maximum amount of the deposit has been paid at the time of cancellation. However, we will not pay more than the level of commission or service fees normally earned by the agent, had your journey not been cancelled. Documentary evidence of the travel agent's fee is required.

    c) We will pay you for loss of frequent flyer or similar air travel points you used to purchase an airline ticket following cancellation of that airline ticket, if you cannot recover the lost points from any other source. The cancellation must be due to unforeseen circumstances outside of your control.

    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 toward the airline ticket;

    multiplied by:

    • the total number of points lost

    divided by the total number of points used to obtain the ticket.

    d) If you cancel or shorten your journey because a relative of yours is hospitalised in Australia or New Zealand, or dies in Australia or New Zealand after the policy is issued, as a result of a pre-existing medical condition, we will not cover you unless at the time of policy issue, you were unaware of the likelihood of such hospitalisation or death. However, the most we will pay under this Section is as follows:

    • $2,000 for Single policies
    • $2,000 per person for Duo policies
    • $4,000 per person for Family policies

    We will not pay:

    a) We will not pay if you were aware of any reason, before your period of cover commenced, that may cause your journey to be cancelled, abandoned or shortened.

    Nor will we pay if your cancellation fees or lost deposits arise because of:

    b) The death, injury or sickness of your relative arising from a pre-existing medical condition, except as specified under Policy Section 1.1d of the PDS).

    c) You or your travelling companion changing plans.

    d) 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.

    e) A tour operator or wholesaler being unable to complete arrangements for any tour because there were not enough people to go on the tour.

    f ) Delays or rescheduling by a bus line, airline, shipping line or rail authority.

    g) The financial collapse of any transport, tour or accommodation provider.

    h) The mechanical breakdown of any means of transport.

    i) An act or threat of terrorism.

    j) The death, injury or sickness of any person who resides outside of Australia or New Zealand.

    k) You are a full-time permanent employee and your pre-arranged leave is cancelled by your employer unless you are a full-time member of the Australian Defence Force or of federal, state or territory emergency services.

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