Policy FAQs | Fast Cover

Travel Insurance 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 extend Your Policy:

    • Online at fastcover.com.au/your-policy
    • Email us at info@fastcover.com.au
    • Call us on 1300 409 322 from within Australia or if you are already overseas on +61 2 8215 7239 (9am - 6pm Weekdays Sydney Time).

    An additional fee may apply.

     

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

    Our Comprehensive policies provide you with more cover for your trip. You will be covered for Unlimited Medical and Trip Cancellations Costs, Luggage and Personal Effects, Alternative Transport Expenses and Travel Delays. The benefit limits are also higher compared to the Standard Saver policy.

    Our Standard Saver Policies will cover you for Unlimited Medical, Trip Cancellations Costs and Luggage and Personal Effects.

    Both policies are also flexible and depending on which policy you take, allows you to increase cover for specified high value items, add on additional options like Rental Vehicle Excess, Golf Pack, Bicycle Pack and Adventure Pack.

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  3. 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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  4. Can I change my policy from Standard Saver to Comprehensive and vice versa?

    If your trip hasn't started, you can upgrade your policy from Standard Saver to Comprehensive and vice versa. You will NOT be able to change your policy from Comprehensive to Standard Saver once your trip has started.

    However, you can change your policy from Standard Saver 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 Saver cover.

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  5. 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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  6. 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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  7. 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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  8. 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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  9. 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.

    *The Basics policy does not provide this cover

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  10. 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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  11. What is the meaning of 'Policy' in the PDS?

    'Policy' means your travel insurance policy with us and includes the Certificate of Insurance, the PDS and any other change to the terms of the policy otherwise advised by us in writing (such as endorsement).

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

    You are automatically covered for a number of sports and leisure activities. If you are taking a trip that involves more adventurous activities we offer an optional Adventure Pack that includes cover for a wide range of adventurous activities.

    Automatically Covered Sports and Leisure Activities

    • Aqua zorbing
    • Archery
    • Bicycling (but not racing, motor cross, 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)
    • Hiking, trekking or tramping, peaking at altitudes below 3,000 metres, where specialist climbing equipment is not required (choose the Adventure Pack option for higher altitudes)
    • 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 10)
    • 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 leisure activities are excluded from cover under your policy, except however the adventure activities covered under the optional Adventure Pack if you paid the additional premium for the Adventure Pack and it is listed on your Certificate of Insurance.  

    From time to time we may add automatically covered activities. If you cannot see the activity you want cover for in this list check the list on our website at fastcover.com.au/activities.

    Note that it is a condition of cover for all activities that you act in a reasonable way to protect yourself. The best way that you can do this is to enjoy your activities with a properly licensed outdoor pursuits or sports organisation and to follow their instructions.

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

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  13. How long am I covered for?

    The period you are insured for is set out in the Certificate of Insurance and varies depending on the length of your trip and the policy type that you have purchased.

    If you have purchased your policy before you departed Australia: 

    • The cover for Benefit 5 – Trip Cancellation Expenses begins from the time the policy is issued.
    • Cover for all other benefits begins on the date of departure as stated on your Certificate of Insurance. If your policy was purchased while you while you are already overseas:
    • There is no cover under any section for the first 48 hours from the time the policy is issued. This is your “waiting period”. This means there is no cover arising from events that happen within the waiting period.  Cover for all benefits beings immediately following your waiting period. 

    For all policies:

    • Cover ends on the date of return set out on your Certificate of Insurance, or the time the policy otherwise ends in accordance with its terms, whichever happens first.

    If you return home early for any reason, cover from your policy will be suspended from the time your return to your home until the time you leave your home to continue your trip.  you must have 14 days remaining of the period of insurance as noted on your Certificate of Insurance.  Following the resumption of your trip your policy will remain valid until the end date shown on your Certificate of Insurance or your permanent return home, whichever comes first.  We will not pay any costs in relation to your return to Australia unless the costs are covered by this policy.

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  14. What type of help does the Worldwide 24/7 emergency assistance team provide?

    For emergency assistance anywhere in the world at any time, the Worldwide 24/7 Emergency Assistance team 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 the Worldwide 24/7 Emergency Assistance team 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 the Worldwide 24/7 Emergency Assistance team.

    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 the Worldwide 24/7 Emergency Assistance team. Please note that we will not pay for any hospital or medical costs incurred in Australia.

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  15. What is covered under 'Trip Disruption Expenses'?

    You only 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:

    • If you need to return to Australia and did not have a return ticket booked to Australia before the circumstances giving rise to a claim under this benefit happened, 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 benefit and Benefit 5 – Trip Cancellation Expenses for cancelled or alternative travel arrangements for the same or similar expense, we will pay for the higher of the two amounts, not both.

    We will pay:

    • Up to the limits set out in the Benefit Summary of the PDS, for the reimbursement of the reasonable additional travel and accommodation expenses if a disruption to your trip (whether domestic or overseas) arises from the following reasons:
      • your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of a strike, riot, hijack, civil protest, severe weather or natural disaster. The event must have begun after we issued the Certificate of Insurance.
      • you unknowingly break any quarantine rule.
      • you lose your passport, travel documents or credit cards or they are stolen.
      • An accident occurs involving your mode of transport. You must have written confirmation of the accident from an official body in the country where the accident happened.
      • your home is rendered uninhabitable by fire, explosion, earthquake or flood.
    • Up to the limits set out in the Benefit Summary above, for the reimbursement of the reasonable additional accommodation and travel expenses if you cannot travel because of an injury or sickness which occurred or first manifested itself while on the trip and which needs immediate treatment from a medical practitioner who certifies that you are unfit to travel. We will also reimburse your reasonable additional accommodation and travel expenses for you to be with your travelling companion if they cannot continue their trip for the same reason.
    • Up to the limits set out in the Benefit Summary above, for the reimbursement of the reasonable accommodation and travel expenses of your travelling companion or a relative to travel to you, stay We will pay 38 near you or escort you if you cannot travel because of an injury or sickness which occurred or first manifested itself while on the trip. If you are in hospital suffering from a life-threatening or other serious condition, or are evacuated for medical reasons. They must travel, stay with you or escort you on the written advice of a medical practitioner and with our prior approval.
    • Up to the limits set out in the Benefit Summary of the PDS, for the reimbursement of the reasonable cost of your return to Australia if it is medically necessary for you to shorten your overseas trip. You must obtain written advice from a medical practitioner. We will only pay the cost of the fare class that you had planned to travel at (unless otherwise authorised by us) and you must take advantage of any prearranged return travel to Australia.
    • Up to the limits set out in the Benefit Summary of the PDS, for the reimbursement of the reasonable additional accommodation and travel expenses if, during your overseas trip, your travelling companion or a relative in Australia or New Zealand if 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 only pay the cost of the fare class you had planned to travel at.

    • Up to the limits set out in the Benefit Summary in the PDS, for the reimbursement of the reasonable cost of your return to Australia if you shorten your overseas trip because your relative 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, and at the time of policy issue you were unaware of the likelihood of such hospitalisation or death. The most we will pay under this benefit in total is $2,000

    We will not pay:

    • If you were aware of any reason, before your period of insurance commenced, that may cause your trip to be cancelled or disrupted or delayed.
    • If the death, injury or sickness of your relative arises from a Pre-existing Medical Condition, except as specified above.
    • 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 transport, tour or accommodation provider.
    • 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 to whom the costs relate.
    • 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, severe weather or natural disaster.
    • Any additional expenses caused by planned medical procedures, cosmetic treatments, or other non-emergency medical treatments.
    • Additional expenses relating to telephone calls and mobile data (other than calls to notify us of your emergency).
    • 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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  16. What is 'Alternative transport expenses' cover?

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

    We will pay:

    • Your reasonable additional travel expenses, up to the limits set out in the Benefit Summary above, 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 during your trip and that means you would not arrive on time.
    • Cover is limited to $5,000.

    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.
    • If your claim arises from an act or threat of terrorism.
    • 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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  17. What is 'Personal liability' cover?

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

    Important cover conditions

    Cover under this benefit is subject to the following conditions: You must not admit fault or liability for the claim, or incur any legal costs without our prior written approval.

    We will pay:

    • Your legal liability, up to the limits set out in the Benefit Summary above, for payment of compensation in respect of: o death or bodily injury; and/or o physical loss of, or damage to, property which is caused by an accident or a series of accidents attributable to one source or originating cause that occurs during your trip.
    • Your reasonable legal expenses, up to the limits set out in the Benefit Summary above, for settling or defending the above claim made against you where the claim is covered by the policy.
    • Cover limits are: Basics $1,000,000; Standard Saver $2,500,000; Comprehensive, Snow Sports Plus, Domestic Plus & Frequent Traveller Saver $5,000,000.

    We will not pay:

    For anything you have to pay because of a legal claim against you for causing bodily injury, death or loss or damage to, or of, property, if the claim arises out of or is for:

    • Injury to you, your travelling companion, or to a relative or employee of either of you.

    • 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.

    • The ownership, custody or use of any firearm or weapon, aerial device, watercraft or mechanically propelled vehicle.

    • The conduct of a business, profession or trade.

    • 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.

    • Any fine or penalty or aggravated, punitive, exemplary, liquidated damages and any other damages resulting from the multiplication of compensatory damages.

    • Disease that is transmitted by you.

    • Any relief or recovery other than monetary amounts.

    • A contract that imposes on you a liability which you would not otherwise have;

    • Assault and/or battery committed by you or at your direction.

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

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

    The following general exclusions apply to all Policy Benefits under Your Policy. These are in addition to any exclusion listed under the individual Policy Benefits of cover.

     

    General Exclusions That Apply To All Benefits

    To the extent permissible 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.

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

    3. Your claim arises from consequential loss of any kind, including but not limited to financial loss, loss of enjoyment, or the devaluation or depreciation of currency.

    4. Your claim arises from you being aware at the time of purchasing the policy of something that would give rise to you making a claim under this policy.

    5. Your claim arises from a loss which is recoverable by compensation under any workers compensation or transport accident laws or by any government sponsored fund, plan, or medical benefit scheme, or any other similar type 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 relevant visa, passport or travel documents.

    7. Your claim arises from you acting illegally or breaking any government prohibition, laws or regulation including visa requirements.

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

    9. Your claim arises from the use of a two-wheeled or three-wheeled motor vehicle unless you as the driver or a passenger are wearing a crash helmet (this is irrespective of the law in the country you are in).

    10. Your claim arises from a you being in control of a motor vehicle without a current Australian driver licence.

    11. Your claim arises from a you being in control of a motorcycle, moped or scooter without a current Australian motorcycle or driver license or you are a passenger travelling on a motorcycle, moped or scooter that is in the control of a person who does not hold a current motorcycle or driver’s licence valid for the country you are travelling in.

    12. Your claim arises from you being in control of a recreational all-terrain vehicle (including but not limited to quad-bikes, trikes and buggies) or are a passenger on a recreational all-terrain vehicle unless you:

    • are under the direct supervision of a properly licensed recreational organisation, and;
    • are obeying all relevant safety codes; and
    • are wearing protective gloves and a motorcycle rider’s helmet

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

    • an actual or likely epidemic or pandemic; or
    • the threat of an epidemic or pandemic. Refer to who.int and smartraveller.gov.au for further information on epidemics and pandemics.

    14. Your claim arises from a you not following advice in the mass media or any government or other official body’s warning:

    • of a strike, riot, bad weather, civil protest or contagious disease (including an epidemic or pandemic); or
    • against travel to a particular country or parts of a country, including where an advice or warning has been released by the Australian Government Department of Foreign Affairs and Trade indicating “Do not travel” or warning to “Reconsider your need to travel” or otherwise advising against all non-essential travel to or in that location or advising against specific transport arrangements or participation in specific events or activities; and
    • 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 warning). Refer to who.int and smartraveller.gov.au for further information.

    15. 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.

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

    17. Your claim arises from a 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.

    18. Your claim arises from any search and rescue costs charged to you by a government, regulated authority or private organisation connected with finding and rescuing an individual.

    19. Your claim arises from or is related to or is associated with any Pre-existing Medical Condition, except as described under the heading “Pre-existing Medical Conditions” on pages 24 to 27 of the PDS or to the extent specifically contemplated under Benefit 5 – Trip Cancellation Expenses, Benefit 6 – Trip Disruption Expenses, or Benefit 7 – Trip Resumption Expenses.

    20. Your claim arises from you taking a blood-thinning prescription medication, including but not limited to Warfarin (also known under the brand names Coumadin, Jantoven, Marevan, and Waran).

    21. Your claim arises from or is in respect of travel booked or undertaken against the advice of any medical practitioner.

    22. Your claim arises from any injury or sickness where a diagnosis of metastatic cancer (spreading malignant cancer) was given or terminal prognosis was made prior to the issue of the Certificate of Insurance.

    23. Your claim arises from or is associated with pregnancy, childbirth or related complications except as specified under “Pregnancy” on page 27 of the PDS.

    24. Your claim arises from or 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.

    25. Your claim arises from or involves the cost of medication in use at the time the trip began or the cost for maintaining a course of treatment you were on prior to the trip.

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

    27. Your claim arises from:

    • your, your spouse or partner, relative or your travelling companion’s suicide or attempted suicide; or
    • your, your spouse or partner, relative or your travelling companion injuring yourself deliberately or putting yourself in danger (unless you are trying to save a human life).

    28. Your claim arises from a sexually transmitted disease.

    29. Your claim arises directly or indirectly from you, your partner, or your travelling companion using alcohol or drugs (unless the drugs have been prescribed by your medical practitioner).

    30. You, your partner, or your travelling companion are affected by Acquired Immune Deficiency Syndrome (AIDS)or AIDS related complex (ARC) or Human Immunodeficiency Virus (HIV).

    31. Despite our advice otherwise following your call to us, you received private hospital or medical treatment where public funded services or care is available in Australia or under any Reciprocal Health Agreement between the Government of Australia and the government of any other country.

    32. Your claim arises from any medical procedures in relation to AICD/ICD insertion during overseas trip. We will exercise our right to organise a repatriation to Australia for this procedure to be completed 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 insurance and it is not directly or indirectly related to a Pre-existing Medical Condition.

    33. Your claim arises from or is any way related to the death or hospitalisation of any person aged 85 years and over (other than the insured), regardless of the country in which they live.

    34. Your claim arises from or relates to any event or occurrence where providing such cover would result in us contravening the Health Insurance Act 1973 (Cth), the Private Health Insurance Act 2007 (Cth) or the National Health Act 1953 (Cth) (as amended or superseded).

    35. Your claim arises from you racing or participating in any race or timed activity (other than on foot).

    36. Your claim arises from you participating in any snow sports unless you have purchased the Snow Sport Plus Policy if travelling internationally or the Domestic Plus Policy if travelling within Australia.

    37. Your claim arises from you participating in any sports or recreational activities not listed in the Automatically Covered Sports and Leisure Activities list (page 14 of the PDS), except as provided under the Adventure Pack (page 20 of the PDS) if you have purchased the Adventure Pack option.

    38. Your claim arises from you participating in professional sport in a professional capacity of any kind.

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