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Frequently Asked Questions about "14 day Cooling Off Period"

  1. What is the Cooling Off period?

    You have a full 14 days from the purchase date of the policy (as set out in the Certificate of Insurance) to make sure you are happy with every aspect of your Fast Cover Travel Insurance policy. This is known as the “cooling off” period. During this time you may cancel the policy simply by contacting us and we will give you a full refund.

    You cannot cancel your policy if you have exercised any of your rights or powers under the policy (e.g. you have made a claim) or if the travel departure date (shown on your Certificate of Insurance) has passed within the 14 day cooling off period.

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  2. Is Off-Piste skiing within a resort's boundaries covered?

    Yes, off-piste skiing or snowboarding with a professional snow sport instructor or guide is covered as long as it is on a marked trail. This applies even if the run is not groomed.

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  3. What is the meaning of 'Off-piste'?

    'Off-piste' means areas within the boundaries of a ski resort that are not:

    • groomed terrain; or
    • marked slopes; or
    • trails that are open, maintained, monitored and patrolled by the ski resort.

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  4. Can I cancel the second year of the policy as I’ve decided to return home early?

    No, once you have used the policy, you would not be able to cancel the policy. We don’t offer partial refunds for the unused portion of the policy.

    You can't cancel your policy if you have exercised any of your rights or powers under the policy (e.g. you have made a claim) or if the travel departure date (shown on your Certificate of Insurance) has passed within the 14 day cooling off period.

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  5. What is the difference between On-Piste and Off-Piste skiing?

    On-Piste means doing snow sports on a marked ski run or path down a mountain for snow skiing and snowboarding. These are shown on a trail map and are generally marked with coloured poles on either side of the trail or ropes or signage.

    Off-Piste generally describes any areas within the resort boundaries that are not marked trails.

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  6. 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 are already overseas:
    • There is no cover under any benefit 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. The state listed on your Certificate of Insurance determines the time zone we use to determine your policy’s purchase date, departure date and end date.
    • If you return home early for any reason, cover from your policy will be suspended from the time you 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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  7. Can I get a refund for booked day tours if they're cancelled?

    You may be covered for cancellation of booked day tours, provided it is for a reason which you can claim for under your policy and none of the policy exclusions apply.

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  8. What are the things I should be aware of if I am thinking of buying a policy from Fast Cover?

    Before you buy a policy with us there are 7 things you must know.

    Travel insurance is there to protect you against unexpected circumstances like medical emergencies, trip cancellation and lost baggage.

    Each travel insurance policy is different and we want to ensure our travellers understand how our travel insurance policy works so that you can choose the right cover for your circumstances.

    1. Cover is only available if:
    • You are an Australian citizen, or holder of a valid Australian permanent residency visa, permanently residing at an Australian address and hold a current Australian Medicare card which is not a visitor Medicare card; and
    • You purchase your policy before you commence your trip or you satisfy all of the requirements for purchasing a policy while you are already overseas; and
    • Your trip ends in Australia.

    For temporary residents of Australia on a 457 visa cover is available, however, only if:
    • You hold a current Australian 457 visa which will remain valid beyond the period of your trip; and
    • You have a home in Australia to which you intend to return; and
    • You hold a return ticket to Australia; and
    • Your trip ends in Australia; and
    • You are aged 74 years and under.

    2. If you are already overseas
    If you left Australia without travel insurance or if your travel insurance policy (even if issued by another insurer) has expired, we may be able to help. You can purchase our Standard Saver, Comprehensive and Snow Sport Plus policies if you are already overseas, provided you meet all of the following requirements:
    • You have
    o been overseas for less than 14 days, or
    o have been insured under a travel insurance policy since you left Australia that has been expired for no more than 14 days; and
    • You are an Australian resident normally residing in Australia; and
    • You have a home in Australia to which you intend to return; and
    • Your trip ends in Australia; and
    • You are aged 74 years and under at time of purchase; and
    • You advise us at the time of purchase that you are already overseas (this will be noted on your Certificate of Insurance).

    You cannot purchase a Basics Policy or Frequent Traveller Saver Policy if you are already overseas.

    Policies purchased while you are already overseas are subject to:
    • a 48-hour waiting period for all benefits.
    • a $500 excess for all claims.

    3. It’s your responsibility to read this Product Disclosure Statement (PDS) and decide whether this policy suits your needs
    You should (and we rely on you to) read the PDS before purchasing this insurance. Your policy is made up of this PDS, the Certificate of Insurance and any other change to the terms of the policy otherwise advised by us in writing (such as an endorsement or Supplementary PDS) which may vary or modify the above documents. Together they form our agreement with you. All benefits are subject to the policy terms, conditions, exclusions and limits of cover described in this PDS.

    4. Your medical history affects your cover
    Please consider your medical history carefully. This includes any condition at any time in your entire life that you (including your dependants travelling with you) have:
    • been diagnosed with, or
    • taken or take medication for, or
    • seen a medical practitioner for (GP, physiotherapist, nutritionist, etc.), or
    • had an operation/procedure for, or
    • had a test for (x-ray, blood test, scan, etc.), or
    • received or currently receive any form of treatment.

    Travel insurance policies provide cover for unexpected sudden illnesses or injuries. Our travel insurance includes cover for 43 Pre-existing Medical Conditions but only if you have not been hospitalised for the condition in the past 24 months and your medications for the condition have remained unchanged for the past 6 months prior to purchase and departure. The 43 Pre-existing Medical Conditions that we cover are listed in our PDS.

    If you have a Pre-existing Medical Condition that is not included in this list then it is not covered and we will not pay for any claims where your medical history is a contributing factor.
    Refer to “Pre-existing Medical Conditions” in our PDS for guidelines on cover for Pre-existing Medical Conditions.

    5. You must take all care to protect your possessions
    There are times when we will not pay if you have not looked after your luggage and personal effects. For example, we will not pay if you transport your jewellery, computer or certain other items in the cargo hold of the airplane or other modes of transportation. Similarly, we will not pay if your items are left unsupervised in a public place or in a motor vehicle overnight. This is not a complete list of times when we will not pay if you do not protect your possessions. See Benefit 14 – Luggage and Personal Effects in our PDS for other ways you must protect your possessions.


    You must report a theft within 24 hours to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the theft occurred. You must prove that you made a report by providing us with a written statement from whoever you reported it to.

    6. Money Back Guarantee: You can cancel your policy within 14 days and receive a full refund
    You have a full 14 days from the purchase date of the policy (as set out in the Certificate of Insurance) to make sure you are happy with every aspect of your policy. This is known as the “cooling off” period. During this time, you may cancel the policy simply by writing to us and we will give you a full refund.

    You cannot cancel your policy if you have exercised any of your rights or powers under the policy (e.g. you have made a claim) or if the travel departure date (shown on your Certificate of Insurance) has passed within the 14-day cooling off period.

    7. Your policy is issued by Hollard Insurance
    The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL 241436 (Hollard) is the insurer and the
    issuer of this PDS. Hollard is also responsible for the assessment and payment of all claims.

    Hollard is a part of the Hollard Insurance Group, one of the world’s leading insurance companies, protecting customers with more than 7 million policies throughout Australia, the United States, Africa, Europe, India, and
    China.

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  9. What time does my cover start? At the time I actually board my plane, or on 12 am of the actual day of my policy?

    The certificate of insurance sets out the period of cover. The cover for Trip Cancellation Expenses begins from the time the policy is issued.

    Cover for all other policy sections begins on the date of departure as stated on the certificate of insurance.

    Your cover starts from the time you leave your home to go directly to the place you depart from on your travels.

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  10. How do I find out about my policy and its important terms and conditions?

    To properly understand the policy's significant features, benefits and risks you need to carefully read the PDS for more detail:

    • 'Before you buy this policy there are 7 things you must know' - this contains important information on who can purchase the policy, age limits and the choice of policies and cover types available to you;
    • The benefit limits provided under each policy in the 'Benefit Summary' table, when we will pay a claim under each Benefit section applicable to the cover you choose and any endorsements under the 'Optional Cover' section (remember, certain words have special meanings - see the 'Words with Special Meanings' section in the PDS);
    • 'Important Matters' - this contains important information on Your Certificate of Insurance, the period of insurance and extensions of cover, your Duty of Disclosure (including how the Duty applies to you and what happens if you breach the Duty), cooling off period, Financial Claims Scheme and the dispute resolution process;
    • When we will not pay a claim under each Benefit section applicable to the cover you choose and the General Exclusions that apply to all Benefits (this restricts the cover and benefits); and
    • 'What You need to do when making a Claim' - this details what to need to do when making a claim and sets out certain obligations that you and we have. If you do not meet them we may refuse to pay a claim.

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  11. What does 'Snow Sport' mean in the PDS?

    'Snow Sports' means:

    • Recreational skiing and snowboarding
    • Big foot skiing and snowboarding
    • Cat skiing and snowboarding
    • Cross-country skiing and snowboarding (along a designated cross country ski route only)
    • Glacier skiing and snowboarding
    • Heli-skiing and snowboarding (provided by a commercial operator and available to the general public only)
    • Ice hockey (not competitive)
    • Ice skating
    • Lugeing (on ice) (provided by a commercial operator and available to the general public only)
    • Mono skiing
    • Off-piste skiing or snowboarding with a professional snow sport instructor or guide
    • Snowmobiling
    • Snowshoeing
    • Tobogganing

     

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  12. I have a policy - can I return home within my travel dates and then go overseas again?

    For NEW policies and policy numbers starting with FCH: 
    Yes you can, your policy will be suspended when you return home, and reinstated when you return overseas, provided you have at least 14 days remaining on your period of insurance as stated on your Certificate of insurance.

    For policy numbers starting with FST: 
    Yes you can if you have a Comprehensive policy. Your policy will be suspended when you return home, and reinstated when you return overseas, provided you have at least 14 days remaining on your period of insurance as stated on your Certificate of insurance.

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  13. Is my policy still valid if I come home to Australia in the middle of my trip and then go back overseas?

    Yes, 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. Can I buy a policy while I am overseas?

    Yes, Australian residents already overseas are eligible to purchase cover provided.

    If you left Australia without travel insurance or if your travel insurance policy (even if issued by another insurer) has expired, we may be able to help.

    You can purchase our Standard Saver, Comprehensive and Snow Sport Plus policies if you are already overseas, provided you meet all of the following requirements:

    • You have
       o been overseas for less than 14 days, or
       o have been insured under a travel insurance policy since you left Australia that has been expired for no more than 14 days; and
    • You are an Australian resident normally residing in Australia; and
    • You have a home in Australia to which you intend to return; and
    • Your trip ends in Australia; and
    • You are aged 74 years and under at time of purchase; and
    • You advise us at the time of purchase that you are already overseas (this will be noted on your Certificate of Insurance).

    You cannot purchase a Basics Policy or Frequent Traveller Saver Policy if you are already overseas.

    Policies purchased while you are already overseas are subject to:
    • a 48-hour waiting period for all benefits.
    • a $500 excess for all claims.

     

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  15. What happens to my policy if my return home is delayed?

    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.

    Cover cannot be extended:
    • for any Pre-existing Medical Condition, unless it is listed under the heading “Automatically Covered Pre-Existing Medical Conditions” on pages 26 to 28 and you have not been hospitalised (including Day Surgery or Emergency Department attendance) for that condition in the past 24 months; or
    • for conditions you suffered during the term of your original policy; or
    • where you have not advised us of any circumstances that have given (or may give) rise to a claim under your original policy; or
    • where at the time of extension you are aged 80 years or over.

    Where we have agreed to extend cover, we will issue you with a new Certificate of Insurance. The period of insurance on your new Certificate of Insurance cannot exceed a maximum combined period of 24 months.

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

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

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  16. If I don't take out snow cover and just go skiing for a few hours or just a day, am I covered if I injure myself on the ski fields?

    No, there is no cover for medical expenses if you do not have a Snow Sports Plus policy and you injure yourself whilst participating in any snow sports. You must take out a Snow Sports Plus policy to be covered for participation in any snow sports.

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  17. Can I do a policy extension?

    Yes, you can extend your travel dates by going to the "Your Policy" tab on our website or you can send an email to info@fastcover.com.au to request an extension for your policy.

    Extension of cover is subject to our written approval and your payment of the additional premium.

    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 to notify us of the event and extension.

    Cover cannot be extended:

    a) for any Pre-existing Medical Condition, unless it is listed under the heading 'Automatically Covered Pre-Existing Medical Conditions' in our PDS and you have not been hospitalised (including Day Surgery or Emergency Department attendance) for that condition in the past 24 months; or

    b) for conditions you suffered during the term of your original policy; or

    c) where you have not advised us of any circumstances that have given (or may give) rise to a claim under your original policy; or

    d) where at the time of extension you are aged 80 years or over.

    Where we have agreed to extend cover, we will issue you with a new Certificate of Insurance. The period of insurance on your new Certificate of Insurance cannot exceed a maximum combined period of 24 months.

    Note: The maximum duration for a Comprehensive, Standard Saver, Snow Sports Plus and Basics policy is 24 months. The maximum duration for a Domestic Plus policy is 3 months.

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  18. Is Sailing covered?

    Yes, Sailing is automatically covered up to 10 nautical miles off any land mass.

    You will need to buy the Adventure Pack Add-on if you wish to participate in Sailing from 11 to 15 nautical miles off any land mass, but racing is NOT covered.

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

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  19. What pre-existing medical conditions are covered?

    Travel insurance only provides cover for emergency overseas medical events that are unforeseen.

    The following 43 Pre-existing Medical Conditions are automatically covered, provided that:

    • You have not been hospitalised (including Day Surgery or Emergency Department attendance) for that condition in the past 24 months and
    • Your medications for that condition have remained unchanged for the past 6 months.

     

    1. Acne
    2. Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever
    3. Asthma, providing that you:
      • have no other lung disease, and
      • are less than 60 years of age at the date of policy purchase
    4. Bell’s Palsy
    5. Benign Positional Vertigo
    6. Bunions
    7. Carpal Tunnel Syndrome
    8. Cataracts
    9. Coeliac Disease
    10. Congenital Blindness
    11. Congenital Deafness
    12. *Diabetes Mellitus (Type I), providing you:
      • were diagnosed over 12 months ago, and
      • have no eye, kidney, nerve or vascular complications, and
      • do not also suffer from a known cardiovascular disease, Hypertension, Hyperlipidaemia or Hypercholesterolaemia, and
      • are under 60 years of age at the date of policy purchase
    13. *Diabetes Mellitus (Type II), providing you:
    • were diagnosed over 12 months ago, and
    • have no eye, kidney, nerve or vascular complications, and
    • do not also suffer from a known cardiovascular disease, Hypertension, Hyperlipidaemia or Hypercholesterolaemia 14. Dry Eye Syndrome
    1. Epilepsy, providing there has been no change to your medication regime in the past 12 months, and you are not on more than one anti-convulsant medication
    2. Folate Deficiency
    3. Gastric Reflux
    4. Goitre
    5. Glaucoma
    6. Graves’ Disease
    7. Hiatus Hernia
    8. *Hypercholesterolaemia (High Cholesterol), provided you do not also suffer from a known cardiovascular disease and/or Diabetes
    9. *Hyperlipidaemia (High Blood Lipids), provided you do not also suffer from a known cardiovascular disease and/or Diabetes
    10. *Hypertension (High Blood Pressure), provided you do not also suffer from a known cardiovascular disease and/or Diabetes
    11. Hypothyroidism, including Hashimoto’s Disease
    12. Impaired Glucose Tolerance
    13. Incontinence
    14. Insulin Resistance
    15. Iron Deficiency Anaemia
    16. Macular Degeneration
    17. Meniere’s Disease
    18. Migraine
    19. Nocturnal Cramps
    20. Osteopenia
    21. Osteoporosis
    22. Pernicious Anaemia
    23. Plantar Fasciitis
    24. Raynaud’s Disease
    25. Sleep Apnoea
    26. Solar Keratosis
    27. Trigeminal Neuralgia
    28. Trigger Finger
    29. Vitamin B12 Deficiency

    * Diabetes (Type I and Type II), Hypertension, Hypercholesterolaemia and Hyperlipidaemia are risk factors for cardiovascular disease. If you have history of cardiovascular disease, and it is a Pre-existing Medical Condition, cover for these conditions are also excluded.

    If you have a Pre-existing Medical Condition that is not included in this list of 43 conditions then it is not covered and we will not pay for any claims where your medical history is a contributing factor.

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  20. Can I claim for something and also change the dates for my trip?

    No, you CANNOT do both. Under your policy, if you make a claim, you CANNOT change the period of cover (your travel dates). If you need a longer period of cover, you can apply for an extension of the period of cover. An additional fee may apply.

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  21. Are Surface water activities covered?

    Yes, Surface water activities (other than Sailing) is automatically covered up to 2 nautical miles off any land mass.

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

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  22. Am I covered for wakeboarding?

    You are NOT automatically covered.

    To obtain cover for wakeboarding you will need to buy the Adventure Pack Add-on and cover is only available if the activity is done with a licensed operator, you are not competing or racing and you are not doing stunts or jumping off ramps.

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

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  23. Am I covered for jetskiing?

    You are NOT automatically covered.

    To obtain cover for jetskiing you will need to buy the Adventure Pack Add-on and cover is only available if the activity is done with a licensed operator, you are not competing or racing and you are not doing stunts or jumping off ramps.

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

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  24. Am I covered for waterskiing?

    You are NOT automatically covered.

    To obtain cover for waterskiing you will need to buy the Adventure Pack Add-on and cover is only available if the activity is done with a licensed operator, you are not competing or racing and you are not doing stunts or jumping off ramps.

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

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  25. Can I buy Snow cover just for the time that I am skiing?

    No, we aren't able to provide Snow cover just for the period that you are skiing. Snow cover needs to be purchased for the entire duration of your trip.

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  26. 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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  27. What is the Maximum trip duration?

    For Single trip overseas policies (Comprehensive, Standard Saver, Snow Sports Plus and Basics) you can be covered up to a maximum of 2 years.

    For Domestic Plus policies you can be covered up to a maximum of 3 months.

    For Frequent Traveller Saver policies the maximum period for any one journey is shown on your Certificate of Insurance. You can choose from a maximum period of 15, 25, 40 or 63 days for each journey.

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  28. Can you tell me more about the Frequent Traveller Saver policies?

    • 12 month policy
    • Unlimited number of trips
    • Maximum period for any one journey is shown on your Certificate of Insurance. You can choose from a maximum period of 15 days, 25 days, 40 days or 63 days
    • Benefit limits and sub-limits reinstated on the completion of each journey (except for Benefit 18 Personal Liability of the PDS) - the amount shown in the Benefit Summary of the PDS is the most we will pay for all claims combined under Benefit 18 for the 12 month policy period.
    • Automatic cover for cruising
    • Accompanying spouse/ partner and dependant children/grandchildren can be covered under the policy provided they are travelling with you for 100% of the journey. An additional premium will apply.
    • Extensions of cover are available for an additional premium.
    • Cover for snow sports is available for an additional premium.
    • Not available for travellers 65 years of age and over.

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  29. What is the meaning of Injure', Injured' or 'Injury' in the PDS?

    'Injure', 'Injured' or 'Injury' means bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during Your Period of Insurance and does not result from any illness, Sickness, disease, or self-harm.

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  30. I am 65, why can't I take out a Frequent Traveller Saver policy?

    Our Frequent Traveller Saver policies are only available to travellers aged 64 years and younger.

    Contact us if you are 65 or over and wish to take more than 1 trip in a 12 month period via email info@fastcover.com.au or call our travel specialists on 1300 409 322 who will be able to assist.

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  31. Am I covered for Depression?

    No, there is no cover for depression or mental illness UNLESS:

    a) the diagnosis for the depression has been made by a medical practitioner that is a registered and certified mental health professional; and

    b) the medical practitioner certifies that the depression prevents you from starting or finishing your journey; and

    c) the depression has first occurred or first manifested during your Period of Insurance.

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  32. How do I get a 12 month quote?

    You can go on our website (https://fastcover.com.au) to get a 12 month quote.

    Enter the dates of travel for either a Single trip policy, or if you are planning on travelling multiple times within a 12 month period and are aged 64 years and under, you can get a quote for a Frequent Traveller Saver policy.

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  33. Can I buy a Frequent Traveller Saver policy for any Geographical region?

    For the Frequent Traveller Saver policy, You must nominate one of the following Geographical Regions for your journey: Asia, Europe or Worldwide.

    Cover for any loss you suffer must occur in this Geographical Region (or any lower Geographical Region).

    While you are travelling in Australia (destination must be a minimum of 200km from home), you will only have cover under certain Benefit Sections of the PDS.

    The maximum period for any one journey is shown on your Certificate of Insurance. You can choose from a maximum period of 15 days, 25 days, 40 days or 63 days.

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  34. Does the Worldwide 24/7 Emergency Assistance number have a call-back facility if I don't want to stay on hold because I'm calling from overseas and my mobile phone is about to run out of credit?

    No, there is NO call-back facility for the Worldwide 24/7 Emergency Assistance Team. If you need assistance, please remain on hold or find a landline.

    You can also contact the Worldwide 24/7 Emergency Assistance team via email: emergency@fastcover-assist.com.au. This email address is monitored 24 hours a day, 7 days a week.

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  35. Can I buy extra cover for my valuable items?

    Specified High Value Items Cover

    Additional cover can be purchased under the Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies for Specified High Value Items (specified items) luggage and personal effects (excluding jewellery, fragile or brittle items, bicycles and watercraft other than surfboards) up to $5,000 for any single item and $10,000 in total for all Specified High Value Items combined.

    Depreciation and the standard item limits under Benefit 14 of the PDS will not apply to these specified items.

    The amount of additional cover you purchase will be shown on your Certificate of Insurance.

    Your nominated limit for 'Specified High Value Items' cover will be shown on your Certificate of Insurance. Receipts and/or valuations must be provided in the event of a claim.

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

     

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  36. What is 'Loss of income' cover?

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

    We will pay:

    If You are Injured during Your Trip and become disabled within 30 days of the Injury Date because of the Injury, and the disablement continues for more than 30 days after Your return to Your Home (Your “waiting period”), We will pay You up to $400 per person, per complete week of continued disability following the waiting period for a period of up to 26 weeks to replace Your lost income. We will only pay if You cannot perform Your normal or suitable alternative work and You lose all Your income.

    You must:

    • Obtain a medical report from Your treating doctor overseas during Your trip where the injury occurred confirming the disablement.
    • Provide Us satisfactory evidence of Your lost income.

    Cover is limited to $10,000.

    We will not pay:

    • For the first 30 days of Your disablement from the time You return to Your Home.
    • For the loss of income of Dependants.

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  37. What is the Adventure Pack?

    You can purchase the Adventure Pack under the Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies by paying an additional premium. 

    You must be aged 74 and under at the date of policy issue to purchase the Adventure Pack.

    In addition to the Automatically Covered Sports and Leisure Activities that are automatically covered (see the PDS), the following listed amateur sports and activities are covered if you select this option.

    Additional Activities Covered by the Adventure Pack

    • Abseiling
    • Animal conservation and handling (under appropriate supervision)
    • Battle re-enactment (not with firearms )
    • Cave/river tubing
    • Caving/potholing
    • Contact sports (including any form of rugby, Australian Rules football or American football )
    • Deep sea fishing
    • Diving underwater using an artificial breathing apparatus at a depth no greater than 30 metres (you must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities)
    • Expeditions to or on the Kokoda Track/Trail
    • Flying fox/zip lining
    • Hiking, trekking or tramping, peaking at altitudes between 3,000 metres up to 6,000 metres (not higher), but only where specialist climbing equipment is not required
    • Martial arts (basic training only, no sparring, no competition)
    • Off road motorcycle riding (only single rider and no jumping, racing or competition)
    • Outdoor rock climbing (with ropes and appropriate safety gear)
    • Quad biking (only single rider and no jumping, racing or competition)
    • Rafting or kayaking in rivers or rapids graded IV or V under the International Scale of River Difficulty (but no competition or racing)
    • Sailing from 11 to 15 nautical miles (but not farther) off any land mass (no competition or racing)
    • Shooting moving targets (e.g. clay pigeons)
    • Tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (you must be in tandem with an instructor licensed for these activities)
    • Water skiing, wakeboarding & tubing (must be with a licensed operator; no competition or racing; no stunts or jumping off ramps )

    From time to time we may add additional 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.

    Activities are not covered by your policy unless listed here or listed in the Automatically Covered Sports and Activities in the PDS or on our website at fastcover.com.au/activities. P

    lease also refer to the General Exclusions in the PDS.

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  38. Can I get cover if I'm a temporary resident of Australia temporarily travelling overseas?

    For temporary residents of Australia on a 457 visa cover is available, however, only if:

    • You hold a current Australian 457 visa which will remain valid beyond the period of your trip; and
    • You have a home in Australia to which you intend to return; and
    • You hold a return ticket to Australia; and
    • Your trip ends in Australia; and
    • You are aged 74 years and under.

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  39. Is mental illness covered?

    Mental illness (including depression, anxiety, stress, mental or nervous conditions) suffered by you, a relative or another person is covered ONLY if:
    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.

    Please refer to the General Exclusions that apply to all benefits in our PDS.

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  40. I've put in the wrong travel dates, what do I do?

    You can change your travel dates by going to the Your Policy tab on our website and request a change to your travel dates.

    Alternatively you can send an email to info@fastcover.com.au or call our travel specialists on 1300 409 322.

    You are not covered for the revised travel dates until we issue a new Certificate of Insurance outlining the period of cover.

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  41. Can I extend my policy if I am 80 years of age and already overseas?

    No, policy extensions are NOT available to travellers over the age of 80 unless 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.

    Extension of cover is subject to our written approval

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  42. If I return home early, can I get a refund for the unused part of my policy?

    No, if you return home early, you would NOT get a refund for the unused portion of your policy.

    If you don't know how long you'll be travelling for, you should buy a policy for the period of time you know you will be definitely away for.

    Cover can generally be extended with our agreement but please refer to the PDS for further details including the time-frame for requesting an extension of cover . An additional premium may apply.

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  43. What is a Frequent Traveller Saver Policy?

    A Frequent Traveller Saver policy allows the traveller to travel as many times as they like within a 12 month period.

    Frequent Traveller Saver policies are available to travellers aged 64 years of age and under at time of policy purchase.

    For an additional fee, you can also cover your spouse and dependant children/grandchildren when they travel with you for 100% of the time.

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  44. Can you cover me if I work and study overseas?

    Yes, our policies may provide cover if you are working and studying overseas. Please check the eligibility criteria regarding residency in Australia.

    The maximum duration of the policy is 12 months, with the option to extend the policy for an additional 12 months.

    If you take out a Frequent Traveller Saver policy there are limits as to the maximum period for any one trip.

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  45. I want to buy an already overseas policy - is there an age limit?

    To be eligible for an already overseas policy, you need to be aged 74 or younger at the time you buy your policy.

    Policies purchased while you are already overseas are subject to:
    * a 48 hour waiting period for all benefits; and
    * a $500 excess for all claims. Please note that is not possible to reduce this excess.

    Other eligibility requirements apply if you are purchasing a policy when you have already left Australia.
    Please refer to our PDS for more information.

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  46. Is Acne covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  47. Is Bell's Palsy covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  48. Is Benign Positional Vertigo covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  49. Are Bunions covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  50. Is Carpal Tunnel Syndrome covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  51. Are Cataracts covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  52. Is Coeliac disease covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  53. Is Congenital blindness covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  54. Is Congenital deafness covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  55. Is Dry Eye Syndrome covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  56. Is Folate deficiency covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  57. Is Gastric Reflux covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  58. Is my Goitre covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  59. Is Glaucoma covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  60. Is Grave's disease covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  61. Is Hiatus Hernia covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  62. Is Hypothyroidism, including Hashimoto's Disease covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  63. Is Impaired Glucose Tolerance covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  64. Is Incontinence covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  65. Is Insulin Resistance covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

     

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  66. Is Iron Deficiency Anaemia covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  67. Is Macular Degeneration covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  68. Is Meniere's disease covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  69. Are Migraines covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  70. Are Nocturnal cramps covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  71. Is Osteopaenia covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  72. Is Osteoporosis covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  73. Is Pernicious Anaemia covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  74. Is Plantar Fasciitis covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  75. Is Raynaud's Disease covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  76. Is Sleep Apnoea covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  77. Is Solar Keratosis covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  78. Is Trigeminal Neuralgia covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  79. Is Trigger Finger covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  80. Is Vitamin B12 Deficiency covered?

    Yes, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  81. What is the excess for the Comprehensive, Standard Saver, Basics, Frequent Traveller Saver & Snow Sports Plus policies?

    For the Comprehensive, Standard Saver, Basics, Frequent Traveller Saver & Snow Sports Plus policies:

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

    • Benefit 1 - 24/7 Emergency Medical Assistance
    • Benefit 2 - Emergency Medical & Hospital Expenses
    • Benefit 3 - Emergency Dental
    • Benefit 4 - Overseas Emergency Evacuation
    • Benefit 5 - Trip Cancellation Expenses
    • Benefit 6 - Trip Disruption Expenses
    • Benefit 7 - Trip Resumption Expenses
    • Benefit 14 - Luggage and Personal Effects
    • Benefit 15 - Delay of Luggage and Personal Effects
    • Benefit 17 - Alternative Transport Expenses
    • Benefit 18 - Personal Liability
    • Benefit 19 - Rental Vehicle Insurance Excess
    • Benefit 20 - Snow Sport Equipment
    • Benefit 21 - Snow Equipment Replacement Hire
    • Benefit 22 - Snow Prepaid Expenses
    • Benefit 23 - Snow Resort Closure
    • Benefit 24 - Adventure Pack
    • Benefit 25 - Golf Pack
    • Benefit 26 - Bicycle Pack

    A NIL excess applies to all other Policy Sections.

    *Refer to the 'Benefit Summary' of the PDS for details of which Benefits are available under each Policy.

    You can remove the standard $200 excess or reduce the excess amount to $100 by paying an additional premium.

    A Medical Excess applies to travellers aged 80 and over.

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  82. Are food allergies and intolerances covered?

    Food INTOLERANCES are automatically covered (subject to your policy limits and exclusions).

    Food intolerances include: 

    • Coeliac Disease
    • Lactose Intolerance
    • Non-Coeliac Gluten Intolerance

     

    Food ALLERGIES are NOT covered if you were aware of the allergy at the time of policy purchase.

    If you are not aware you have a food allergy at the time of policy purchase and you suffer an allergic reaction for the first time during your trip and period of cover, then there is provision for cover for that allergy (subject to your policy limits and exclusions).

    Food allergies include: 

    • Eggs
    • Fish
    • Milk protein
    • Tree Nuts (hazelnuts, walnuts etc)
    • Peanuts
    • Shellfish
    • Soya
    • Gluten (e.g wheat etc)
    • Sesame

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  83. When can't I extend my policy?

    Cover cannot be extended:

    • for any Pre-existing Medical Condition, unless it is listed under the heading “Automatically Covered Pre-Existing Medical Conditions” on pages 26 to 28 and you have not been hospitalised (including Day Surgery or Emergency Department attendance) for that condition in the past 24 months; or
    • for conditions you suffered during the term of your original policy; or
    • where you have not advised us of any circumstances that have given (or may give) rise to a claim under your original policy; or
    • where at the time of extension you are aged 80 years or over.

     

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  84. Is Asthma covered?

    Yes, provided that you:

    a) have no other lung disease

    b) are less than 60 years of age at the date of policy purchase

    c) have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  85. Is Epilepsy covered?

    Yes, provided that:

    a) providing there has been no change to your medication regime in the past 12 months, and you are on no more than one anti-convulsant medication, and

    b) you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  86. Is Hypercholesterolaemia (High Cholesterol) covered?

    Yes, provided:

    a) you do not also suffer from a known cardiovascular disease and/ or Diabetes, and

    b) you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  87. Is Hyperlipidaemia (High Blood Lipids) covered?

    Yes, provided:

    a) you do not also suffer from a known cardiovascular disease and/ or Diabetes, and

    b) you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  88. Is Hypertension (High Blood Pressure) covered?

    Yes, provided:

    a) you do not also suffer from a known cardiovascular disease and/ or Diabetes, and

    b) you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue. 

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  89. Are Allergies covered?

    Yes, however cover is limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance and Hay Fever and provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

    Food allergies are NOT covered.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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  90. 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. Expeditions to or on the Kokoda Track/Trail are not automatically covered. Choose the Adventure Pack option (page 21) for higher altitudes and Kokoda expeditions.
    • 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 Exclusions in 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
    • Rafting or kayaking in rivers or rapids graded I, II or III under the International Scale of River Difficulty, or lakes or canals (choose the Adventure Pack option (page 21) for rives or rapids graded IV or V under the International Scale of River Difficulty)
    • 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) (chose the Adventure Pack option for shooting moving targets)
    • Skateboarding, roller skating, inline skating (but not including vert skating or acrobatics)
    • Snorkelling
    • Soccer
    • Surface water activities (other than sailing) up to 2 nautical miles off any land mass
    • Track and field athletics

    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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  91. What is 'Golf equipment hire' cover?

    You only have this cover if you purchased the Golf Pack under the Comprehensive, Standard Saver, Snow Sports Plus, Domestic Plus and Frequent Traveller Saver policies. 

    We will pay:

    If we have agreed to pay a claim under Benefit 25 (Golf Pack) of the PDS:

    • for accidental loss, theft of, or damage to, golf equipment owned by you; or
    • following the misdirection or delay, for a period of more than 24 hours, of golf equipment owned by you;

    we will reimburse you for the costs of hiring alternative golf equipment.

    We will also reimburse the golf equipment hire insurance excess if you have chosen and paid for golf equipment hire cover from the hire company or agency and you are charged an excess following the loss of, or damage to the golf equipment hired by you.

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  92. 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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  93. What is 'Snow Equipment Replacement Hire' cover?

    You only have this cover if you chose the Snow Sports Plus and Domestic Plus policies.

    We will pay:

    Up to the limits set out in the Benefit Summary in the PDS, for hiring replacement snow sports equipment that is necessary to continue with your original itinerary if snow sports equipment owned by you has been misdirected or delayed for a period of more than 24-hours. 

    We will not pay:

    • Unless we accept a claim by you under Benefit 20 – Snow Sports Equipment for accidental loss, theft of, or damage to snow sports equipment owned by you.
    • For more than the applicable limits set out in the Benefit Summary in the PDS.

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

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  94. What does 'Sick' or 'Sickness' mean in the PDS?

    'Sick' or 'Sickness' means a medical condition, not being an Injury, which first occurs or first manifests during Your Period of Insurance.

    Sickness includes mental illness.

    For the purposes of this definition a Sickness that first manifests itself on the earlier of:

    • the date Your Medical Adviser reasonably diagnoses as the most likely date the Sickness or symptoms of the Sickness, first occurred or manifested, whichever is the earlier;
    • the date our Medical Adviser reasonably diagnoses as the most likely date the Sickness or symptoms of the Sickness, first occurred or manifested, whichever is the earlier;
    • the date You first became aware of the Sickness or symptoms of the Sickness, whichever is the earlier;
    • the date a reasonable person in the circumstances would have been aware of the Sickness or symptoms of the Sickness, whichever is the earlier; or
    • the date the Sickness or symptoms of the Sickness, were first diagnosed by a Medical Adviser, whichever is the earlier.

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  95. What is the 'Hospital Cash Payment'?

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

    PLEASE NOTE: You will not have cover under this Policy Benefit of the PDS while travelling in Australia.

    We will pay:

    • Up to the limits set out in the Benefit Summary in the PDS, if you suffer an injury or sickness on an overseas trip, $50 for each 24-hour period you are in hospital after you are in hospital for more than 48 continuous hours
    • The maximum amount we will pay under this benefit is $5,000.

    We will not pay:

    • For the first 48 continuous hours you are in hospital.
    • If you cannot claim for overseas medical expenses in Benefit 2 (Overseas Emergency Medical and Hospital Expenses).
    • For more than the applicable limits set out in the Benefit Summary listed in the PDS.

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

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  96. Can I buy a policy?

    Cover is only available if:

    • You are an Australian citizen, or holder of a valid Australian permanent residency visa, permanently residing at an Australian address and hold a current Australian Medicare card which is not a visitor Medicare card; and
    • You purchase your policy before you commence your trip or you satisfy all of the requirements for purchasing a policy while you are already overseas; and
    • Your trip ends in Australia.

    For temporary residents of Australia on a 457 visa cover is available, however, only if:

    • You hold a current Australian 457 visa which will remain valid beyond the period of your trip; and
    • You have a home in Australia to which you intend to return; and
    • You hold a return ticket to Australia; and
    • Your trip ends in Australia; and
    • You are aged 74 years and under. 

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  97. Is Pregnancy covered?

    Yes, provided it is:

    a) up to and including the 23rd week provided it is single OR up to and including the 19th week for twins or multiple children; AND without complications**, and

    b) you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 24 months prior to the time of policy issue.

    **Complications mean any secondary diagnosis occurring prior to, during the course of, concurrent with, or as a result of the pregnancy, which may adversely affect the pregnancy outcome.

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

    Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs.

    Before you make any decisions about the product you should read the Product Disclosure Statement (PDS) to ensure that it is suitable to you.

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Please refer to the Product Disclosure Statement for full terms and conditions including limits and exclusions of the insurance policy.

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