Policy FAQs | Fast Cover

Policy FAQs

  1. Can I extend my Policy when I am already overseas?

    Yes, you can request to extend your policy while you are overseas.

     

    You can do this by:
    1) Using the 'My Policy' page on our website,
    2) Emailing info@fastcover.com.au or
    3) Calling +61 1300 409 322 and paying any additional premium.

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  2. What's the differences between Standard and Comprehensive travel insurance?

    Our Comprehensive policies provide you with more cover for your trip. You will be covered for Unlimited Medical and Cancellations, Luggage and Personal Effects, Missed Connections and Travel Delays. Our Standard Policies will cover you for Unlimited Medical and Cancellations, Luggage and Personal Effects. Both policies are also flexible and depending on which policy you take, allows you to increase cover for specific items, add on additional options like Rental Vehicle Excess, Golf Pack, Bicycle Pack and Adventure Pack.

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  3. Can I buy a policy while I am overseas?

    No, we CANNOT offer policies to travellers who are already overseas. Please contact Allianz Global Assistance on 02 9998 7854, they may be able to offer you a Travel Insurance policy for your specific travel requirements.

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  4. How will my policy be sent to me?

    You can choose how you receive your policy
    1)Email - this is the fastest way for you to get your policy as the email is sent as soon as the policy is paid for.
    2)Post - if you don't have an email address, we can post your policy documents to you.
    3)Email and post - we are happy to email and post your policy documents.

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  5. Can I change my policy from Standard to Comprehensive and vice versa?

    If your trip hasn't started, you can upgrade your policy from Standard to Comprehensive and vice versa. You will NOT be able to change your policy from Comprehensive to Standard once your trip has started. However, you can change your policy from Standard to Comprehensive if you have already started your trip. Please note, you will NOT be covered for anything that has already happened or is reasonably foreseeable to happen at the time you upgrade to Comprehensive if it wasn't already covered under your Standard cover.

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  6. Can I buy travel insurance if I have applied for Australian residency and hold an interim Medicare Card?

    Yes, if you have interim Medicare card you can purchase travel insurance from us.

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  7. What does Alternative Transport Expenses mean?

    Alternative Transport Expenses means that if your scheduled transport is cancelled, delayed, shortened or diverted and you end up missing your event or arrangements, you can claim for the cost of reasonable additional expenses to reach your planned event or arrangements on time. A planned event or arrangement is a wedding, funeral, conference, sporting event, prepaid travel or prepaid tour.

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  8. Can I increase the cover for my Wedding Ring?

    No, you CANNOT increase the cover for wedding rings or any type of jewellery.

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  9. Can I cancel my policy after the 14 Day Cooling Off Period has expired if I am no longer travelling?

    Yes, you can cancel your policy, however, we would NOT be able to refund the cost of your policy if you are outside of the 14 Day Cooling Off Period.

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  10. Am I covered if my trip/travel is affected by a natural disaster?

    Your policy provides cover towards the cost of travel arrangements if your scheduled or connecting transport is cancelled, delayed, rescheduled or diverted because of a natural disaster.

     

    Please note however cover is subject to policy terms, conditions and exclusions. Cover may depend on whether the natural disaster was unforeseen when you booked the travel and when you purchased the insurance, and whether the circumstances giving rise to any claim arose in circumstances where travel was undertaken against the advice or warning by any government or official body or where the mass media had indicated the existence or potential existence of circumstances that may affect the travel.

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  11. What happens if a country I am travelling to is assigned a 'Do Not Travel' status by the Australian Government?

    Your policy does NOT provide cover for claims arising from or associated with travel to countries or parts of a country for which a 'Do Not Travel' warning has been released by the Australian Government Department of Foreign Affairs and Trade or any other government or official body, and where you did not take appropriate action to avoid or minimise any potential claim under your policy.

     

    Whether or not any cancellation or other costs you may incur as a result of cancelling or postponing your trip following the issue of a 'Do Not Travel' warning are covered by your policy will depend on a number of factors, including (but not limited to) whether your travel arrangements are or would be affected by the event or circumstance giving rise to the warning, and whether the warning has arisen due to an event that is otherwise excluded from cover under your policy (such as an act of war, disease epidemic, etc). In deciding what action to take in response to a 'Do Not Travel' warning, you should carefully consider your policy terms, conditions and exclusions.

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  12. What is the meaning of 'Policy' in the PDS?

    'Policy' means your travel insurance policy with us covering you and is made up of the Product Disclosure Statement, your Certificate of Insurance and any other document we tell you forms part of the policy. Together these documents make up your contract with us.

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  13. What sports and activities are automatically covered in my policy?

    Your policy provides cover for claims arising directly from your participation in the following amateur sports and amateur recreational activities, subject to the terms, conditions, limits and exclusions that apply to the section under which your claim is made and the GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS of the PDS:

    • Aqua zorbing;
    • Archery;
    • Bicycling (but not bicycle motorcross (BMX) or downhill mountain biking);
    • Bungee jumping or canyon swinging;
    • Camel, donkey or elephant riding (under appropriate supervision);
    • Dancing;
    • Dog sledding;
    • Diving underwater using an artificial breathing apparatus at a depth no greater than 10 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities);
    • Fishing (on land or within 2 nautical miles of a land mass);
    • Go-karting;
    • Golf;
    • Gym activities (but not powerlifting);
    • Gymnastics (but not competitions);
    • Horse riding (but not competitions, equestrian events, steeple chasing, jumping, or polo);
    • Ice skating on a rink (but not including competitive skating, racing, speed skating, and tour skating);
    • Indoor rock climbing (under appropriate supervision);
    • Leisure activities (meaning any activities involving minimal physical exertion that is undertaken for relaxation or pleasure. For example, sight-seeing, picnics, photography and museum or art gallery visits);
    • Motorcycle, scooter or moped riding (restrictions apply - refer to General Exclusion 9 of the PDS);
    • Orienteering;
    • Paintball (with eye protection);
    • Racing on foot for distances up to and including full marathon (42.2 kilometres or 26.2 miles);
    • Racquet and ball sports not involving physical contact;
    • Regulated or licensed ballooning;
    • Safari (under appropriate supervision) but not hunting;
    • Sailing up to 10 nautical miles off any land mass;
    • Shark cage diving (subject to diving restrictions listed above);
    • Shooting (fixed target only);
    • Skateboarding, roller skating, inline skating (but not including vert skating or acrobatics);
    • Snorkelling;
    • Soccer;
    • Surface water activities in rivers or rapids graded I, II or III under the International Scale of River Difficulty, or lakes or canals;
    • Surface water activities (other than sailing) up to 2 nautical miles off any land mass
    • Track and field athletics;
    • Walking, hiking, trekking or tramping, peaking at altitudes up to 3,000 metres where specialist climbing equipment is not required (but not expeditions to or on the Kokoda Track/Trail).
    • All other sports and activities are excluded from cover under your policy, subject to any additional options that have been purchased and are listed on your Certificate of Insurance.

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  14. How long am I covered for?

    Period of cover

    You are not covered until we issue a Certificate of Insurance. That Certificate forms part of your policy. The period you are insured for is set out on the Certificate.

    However:

    • The cover for cancellation fees and lost deposits (Policy Section 1) begins from the time the policy is issued
    • Cover for all other Policy Sections begins on the date of departure (Start Date) as stated on the Certificate of Insurance
    • Cover ends when you return to your home or on the date of return set out on your Certificate of Insurance (End Date), whichever happens first.

    Under Plan A (Comprehensive) and Plan S (Comprehensive with Snow Cover), if you need to return home unexpectedly during your journey (other than as provided under Sections 4.1 d] or 4.1 e] of the PDS) cover provided by your policy will be suspended from the time you return to your home until the time you leave your home to continue your journey. You must however have more than 14 days remaining of the period of cover, as noted on your Certificate of Insurance. Following resumption of your journey your policy will remain valid until the end date shown on your Certificate of Insurance or your permanent return to your home, whichever happens first. We will not pay any costs in relation to your return to Australia (unless these costs are covered by the policy) or for your expenses to travel overseas to resume your journey.

    Cover under Policy Sections 17, 18, 21, 22 and 23 of the PDS is available provided the resort you are at is open and has sufficient snow for normal skiing activities

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  15. What type of help does the emergency assistance team provide?

    For emergency assistance anywhere in the world at any time, Allianz Global Assistance is only a telephone call away.

    The team will help with medical problems, locating nearest medical facilities, your evacuation home, locating nearest embassies and consulates, as well as keeping you in touch with your family and work in an emergency.

    If you are hospitalised you, or a member of your travelling party, MUST contact Allianz Global Assistance as soon as possible. If you do not, then to the extent permissible by law, we will not pay for these expenses or for any evacuation or airfares that have not been approved or arranged by Allianz Global Assistance.

    If you are not hospitalised but you are being treated as an outpatient and the total cost of such treatment will exceed $2,000, you MUST contact Allianz Global Assistance. Please note that we will not pay for any hospital or medical costs incurred in Australia.

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  16. What is covered under 'Additional Expenses'?

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

    We will pay:

    a) We will reimburse any reasonable additional accommodation and travel expenses if you cannot travel because of an injury or sickness which needs immediate treatment from a medical adviser who certifies in writing that you are unfit to travel.

    b) We will also reimburse your reasonable additional accommodation and travel expenses for you to be with your travelling companion if he or she cannot continue their journey for the same reason.

    c) We will also reimburse the reasonable accommodation and travel expenses of your travelling companion or a relative to travel to you, stay near you or escort you, if you are in hospital suffering from a life threatening or other serious condition, or are evacuated for medical reasons. He or she must travel, stay with you or escort you on the written advice of a medical adviser and with the prior approval of Allianz Global Assistance.

    d) If you shorten your journey and return to Australia on the written advice of a medical adviser approved by Allianz Global Assistance, we will reimburse the reasonable cost of your return to Australia. We will only pay the cost of the fare class that you had planned to travel at and you must take advantage of any pre- arranged return travel to Australia.

    e) If, during your journey, your travelling companion or a relative of either of you:

    • dies unexpectedly;
    • is disabled by an injury; or
    • becomes seriously sick and requires hospitalisation (except arising out of a Pre- existing Medical Condition), we will reimburse the reasonable additional cost of your return to Australia. We will only pay the cost of the fare class you had planned to travel at.

    f) We will reimburse you for airfares for you to return to the place you were when your journey was interrupted, if you return to your home because:

    • during your journey, a relative of yours dies unexpectedly or is hospitalised following a serious injury or a sickness (except arising from a pre-existing medical condition); and
    • it is possible for your journey to be resumed; and
    • there is more than 14 days remaining of the period of cover, as noted on your Certificate of Insurance; and
    • you resume your journey within 12 months of your return to Australia.

    The most we will pay under this benefit is as follows:

    • $3,000 for Single policies
    • $3,000 per person for Duo policies
    • $6,000 for Family policies

    g) If, as a result of a pre-existing medical condition, a relative of yours is hospitalised in Australia or New Zealand or dies in Australia or New Zealand after the policy is issued, and at the time of policy issue you were unaware of the likelihood of such hospitalisation or death, the most we will pay for the reasonable additional cost of your return to Australia and/or the cost of airfares for you to return to the place you were when your journey was interrupted is as follows:

    a) $2,000 for Single policies

    b) $2,000 per person for Duo policies

    c) $4,000 for Family policies

    h) In addition, we will reimburse your reasonable additional travel and accommodation expenses if a disruption to your journey arises from any of the following reasons:

    • Your scheduled or connecting transport is cancelled, delayed, rescheduled or diverted because of a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport;
    • You unknowingly break any quarantine rule;
    • You lose your passport, travel documents or transaction cards or they are stolen;
    • Your home is rendered uninhabitable by fire, explosion, earthquake or flood.

    If you do not have a return ticket booked to Australia before you were injured or became sick, we will reduce the amount of your claim by the price of the fare to Australia from the place you planned to return to Australia from. The fare will be at the same fare class as the one you left Australia on.

    Wherever claims are made by you under this Policy Section and Policy Section 1 (Cancellation Fees & Lost Deposits) of the PDS for cancelled services/ facilities or alternative arrangements for the same or similar services/facilities, we will pay for the higher of the two amounts, not both.

    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, disrupted or delayed.

    b) We will not pay if the death, injury or sickness of your relative arises from a pre-existing medical condition, (except as specified under Policy Section 4.1g of the PDS).

    c) We will not pay if you can claim your additional travel and accommodation expenses from anyone else.

    d) We will not pay if your claim relates to the financial collapse of any transport, tour or accommodation provider

    e) We will not pay for delays or rescheduling by a bus line, airline, shipping line or rail authority unless it is due to a strike, riot, hijack, civil protest, weather or natural disaster.

    f) We will not pay if you operate a rental vehicle in violation of the rental agreement.

    g) We will not pay as a result of you or your travelling companion changing plans.

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  17. What is 'Travel delay expenses' cover?

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

    We will pay:

    We will reimburse the cost of your reasonable additional meals and accommodation expenses if a delay to your journey, for at least 6 hours, arises from circumstances outside your control.

    We will pay up to $200 at the end of the initial 6 hour period. In addition, we will pay up to $200 for each full 24 hour period that the delay continues beyond the initial 6 hour delay.

    We will not pay:

    We will not pay if a delay to your journey arises from any of the following reasons:

    a) the financial collapse of any transport, tour or accommodation provider;

    b) an act or threat of terrorism nor will we pay if:

    c) you can claim your additional meals and accommodation expenses from anyone else.

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  18. What is 'Alternative transport expenses' cover?

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

    We will pay:

    We will pay your reasonable additional travel expenses to reach a wedding, funeral, conference, sporting event or prepaid travel/ tour arrangements on time if your scheduled transport is cancelled, delayed, shortened or diverted, and that means you would not arrive on time.

    We will not pay:

    a) We will not pay if the cancellation, delay, shortening or diversion of your scheduled transport arises from the financial collapse of any transport, tour or accommodation provider.

    b) We will not pay if your claim arises from an act or threat of terrorism.

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  19. What is 'Personal liability' cover?

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

    We will pay:

    We will cover your legal liability for payment of compensation in respect of:

    • death or bodily injury, and/or
    • physical loss of, or damage to, property, occurring during your journey which is caused by an accident or a series of accidents attributable to one source or originating cause.

    We will also pay your reasonable legal expenses for settling or defending the claim made against you.

    You must not admit fault or liability for the claim, or incur any legal costs without our prior written approval.

    We will not pay:

    We will not pay for any amount you become legally liable to pay if the claim arises directly or indirectly from, or is in any way connected with, or is for:

    a) bodily injury to you, your travelling companion or to a relative or employee of either of you;

    b) damage to property belonging to you, or in your care or control, or belonging to, or in the care or control of, your relative or your travelling companion, or to an employee of either of you;

    c) your ownership, custody, control or use of any firearm or weapon, aerial device, watercraft or motorised vehicle; d) your conduct of, or employment in any business, profession, trade or occupation;

    e) any loss, damage or expenses which are covered or should have been covered under a statutory or compulsory insurance policy, statutory or compulsory insurance or compensation scheme or fund, or under Workers' Compensation legislation, an industrial award or agreement, or Accident Compensation legislation;

    f) any fine or penalty, or aggravated, punitive, exemplary or liquidated damages;

    g) disease that is transmitted by you;

    h) any relief or recovery other than monetary amounts;

    i) a contract that imposes on you a liability which you would not otherwise have;

    j) assault and/or battery committed by you or at your direction; or

    k) conduct intended to cause bodily injury, property damage or liability with reckless disregard for the consequences of you or any person acting with your knowledge, consent or connivance.

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  20. What are the General Exclusions which apply to all policies?

    To the extent permitted by law we will not pay under any circumstances if:

    1. You do not act in a responsible way to protect yourself and your property and to avoid making a claim.

    2. You do not do everything you can to reduce your loss as much as possible.

    3. Your claim is for consequential loss of any kind, including loss of enjoyment.

    4. At the time of purchasing the policy, you were aware of something that would give rise to you making a claim under the policy.

    5. Your claim is for a loss which is recoverable by compensation under any workers compensation or transport accident laws, government sponsored fund, plan, or medical benefit scheme, or any other similar type of legislation required to be effected by or under a law.

    6. Your claim arises from errors or omissions in any booking arrangements, or failure to obtain the relevant visa, passport or travel documents.

    7. Your claim arises because you act illegally or break any government prohibition or regulation including visa requirements.

    8. Your claim arises from a government authority confiscating, detaining or destroying anything.

    9. Your claim arises directly or indirectly from, or is in any way connected with:

    • you driving a motor vehicle or riding a moped or scooter without a current Australian drivers licence or drivers licence valid for the country you are driving or riding in. This applies even if you are not required by law to hold a licence in the country you are driving or riding in;
    • you riding a motorcycle without a current Australian motorcycle licence or motorcycle licence valid for the country you are riding in. This applies even if you are not required to hold a motorcycle licence because you hold a drivers licence, or a motorcycle licence is not required by law in the country you are riding in;
    • you travelling as a passenger on a motorcycle, moped or scooter that is in the control of a person who does not hold a current motorcycle or drivers licence valid for the vehicle being ridden and for the country you are riding in;
    • you riding, or travelling as a passenger, on a quad bike except as provided under the Additional Option - Adventure Pack and you have paid the additional premium for Adventure Pack;
    • you riding, or travelling as a passenger, on a motorcycle, moped, scooter or quad bike without wearing a helmet.

    10. Your claim arises from, is related to or associated with:

    • an actual or likely epidemic or pandemic; or
    • the threat of an epidemic or pandemic.

    Refer to www.who.int and www.smartraveller.gov.au for further information on epidemics and pandemics.

    11. Your claim arises from, or is associated with, travel to countries or parts of a country for which:

    1 a]. an advice or warning has been released by the Australian Government Department of Foreign Affairs and Trade or any other government or official body, and

    1 b]. the advice or warning risk rating is 'Reconsider your need to travel' or 'Do not travel' (or words to that effect) or the advice or warnings advise against all non-essential travel to or in that location or advise against specific transport arrangements or participation in specific events or activities, or

    2. the mass media has indicated the existence or potential existence of circumstances (including circumstances referred to in 1 a] and 1 b] above) that may affect your travel;

    And

    3. you did not take appropriate action to avoid or minimise any potential claim under your policy (including delay of travel to the country or part of the country referred to in the relevant advice(s), warning(s) and/or mass media statement(s) ). Circumstances, in this case, include but are not limited to strike, riot, weather event, civil protest or contagious disease (including an epidemic or pandemic).

    12. Your claim arises from any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military.

    13. Your claim arises from a nuclear reaction or contamination from nuclear weapons or radioactivity.

    14. Your claim arises from biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose to harm or to destroy human life and/or create public fear.

    15. Your claim arises from, is related to or associated with any pre-existing medical condition, except as provided under the section 'Pre-existing Medical Conditions' (pages 23 to 25), Policy Section 1.1 d) (page 32) and Policy Section 4.1 g) (page 35) of the PDS.

    16. Your claim arises from complications of any injury or sickness, or side effects, caused by you taking any blood thinning prescription medication.

    17. Your claim is in respect of travel booked or undertaken against the advice of any medical adviser.

    18. Your claim arises from any injury or sickness where a metastatic or terminal prognosis was made prior to the issue of the Certificate of Insurance.

    19. Your claim arises directly or indirectly out of pregnancy, childbirth or related complications unless it is a single, uncomplicated pregnancy up to and including 23 weeks. In any event we will not pay medical expenses for:

    • regular antenatal care;
    • childbirth at any gestation; or
    • care of the newborn child.

    20. Your claim involves a hospital where you are being treated for addiction to drugs or alcohol, or are using it as a nursing, convalescent or rehabilitation place.

    21. Your claim involves the cost of medication in use at the time the journey began, or the cost for maintaining a course of treatment you were on prior to the journey.

    22. Your claim arises from or is in any way related to depression, anxiety, stress, any mental illness or nervous conditions.

    23. Your claim arises from suicide or attempted suicide.

    24. Your claim arises from a sexually transmitted disease.

    25. You were under the influence or addicted to intoxicating liquor or drugs, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions.

    26. Despite their advice otherwise following your call to Allianz Global Assistance, you received private hospital or medical treatment where public funded services or care is available in Australia or under any reciprocal health care agreement between the Government of Australia and the government of any other country.

    27. Your claim arises from any medical procedures in relation to AICD/ICD insertion during overseas travel. If you, your travelling companion or a relative (as listed on your Certificate of Insurance) requires this procedure, due to sudden and acute onset which occurs for the first time during your period of cover and not directly or indirectly related to a pre-existing medical condition, we will exercise our right to organise a repatriation to Australia for this procedure to be completed.

    28. Your claim arises from or is any way related to the death or hospitalisation of any person aged 85 years and over, regardless of the country in which they may live.

    29. Your claim arises from travel in any air- supported device, other than as a passenger in a fully licensed aircraft operated by an airline or charter company. This exclusion does not apply to regulated or licensed ballooning.

    30. Your claim arises from snow sport activities, except as provided for under Plan D (Domestic) or Plan S (Comprehensive with Snow Cover), and your Certificate of Insurance shows that you have purchased cover under Plan D or Plan S.

    31. Your claim arises from, or is in any way connected with you participating in any sports or recreational activities not listed in the Automatically Included Sports And Activities list in the Purchasing this Product section, except as provided under the Additional Option - Adventure Pack and you have paid the additional premium for Adventure Pack.

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