Excess FAQs | Fast Cover

Excess FAQs

  1. What is Excess?

    Excess is the initial amount that you would have to pay if you were to make a claim. For example, if you selected the $200 Excess for your policy, and you made a claim for medical expenses for $1000, you would get back $800. If you had a NIL excess on your policy, you would get back the full $1000.

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  2. Why is there a $2000 Medical Excess for travellers 80-89 years old and a $5000 Medical Excess for travellers 90 years old or older?

    The Medical Excess is based on the age of the travellers and ONLY applies to injury or sickness claims. A $200 excess applies to claims which are not related to an injury or sickness for 80+ travellers. We do not require a medical form when you buy a policy. Unfortunately we are unable to reduce or remove the medical excess for 80+ travellers.

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  3. Can I remove the $2000 Medical Excess for travellers 80-89 years old or $5000 Medical Excess for travellers 90 years old or older?

    Unfortunately we are unable to remove the Medical Excess for 80+/90+ travellers. Please note that only a $200 excess applies to claims which are not related to an injury or sickness.

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  4. Why can't I reduce the Excess for a Domestic policy?

    There is No Excess on Domestic policies.

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  5. What is the meaning of 'Excess' in the PDS?

    'Excess' means the amount which you must first pay for each claim arising from the one event before a claim can be made under your policy.

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  6. Can I remove the Standard Excess?

    Removal of Standard Excess You can remove the standard $200 excess or reduce the excess amount to $100 on Plans A, B, C, M, or S by paying an additional premium.

    This Additional Option is not available under Plan D.

    Please contact us for details on additional premiums.

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  7. What is the excess for Plans A (Comprehensive), B (Standard), C (Medical Only), M (Multi Trip) & S (Comprehensive with Snow Cover)?

    Plans A, B, C,, M & S

    We will not pay the first $200 for any one event under the following Policy Sections* of the PDS:

    • Section 1 - Cancellation Fees & Lost Deposits
    • Section 3 - Overseas Emergency Medical & Hospital Expenses
    • Section 9 - Travel Documents, Transaction Cards & Travellers Cheques
    • Section 11 - Luggage & Personal Effects
    • Section 15 - Personal Liability
    • Section 16 - Rental Vehicle Insurance Excess
    • Section 18 - Snow Sport Overseas Emergency Medical & Hospital Expenses
    • Section 19 - Own Snow Sport Equipment
    • Section 20 - Snow Sport Equipment Hire
    • Section 21 - Snow Ski Pack
    • Section 22 - Piste Closure
    • Section 23 - Bad Weather & Avalanche Closure
    • Section 24 - Own Golf Equipment
    • Section 25 - Golf Equipment Hire

    A NIL excess applies to all other Policy Sections.

    *Refer to the 'Table of Benefits' (pages 14 to 20) of the PDS for details of which Policy Sections are available under each Plan

    You can remove the standard $200 excess or reduce the excess amount to $100 by paying an additional premium (see 'Additional Options' page 21 of the PDS for more details).

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  8. What is the excess for Plan D (Domestic)

    A NIL excess applies to all Policy Sections.

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  9. What is the excess for travellers 80 - 89 years of age?

    A $2,000 excess applies for all claims arising from, related to or associated with an injury or sickness.

    Refer to the 'Age Limits' heading on pages 8 to 9 of the PDS for the terms and conditions relating to travellers 80-89 years of age.

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