FAQ Search

Answers shown refer to policies purchased on or after 21st May 17. For policies purchased prior, they are a guide only and you must read the PDS for exact wording.

Frequently Asked Questions about "adventure"

  1. Is there an Excess on the Adventure Pack?

    The Adventure Pack has no special Excess. The Policy Standard Excess applies.

    You can choose between $200, $100 or $0 Standard Excess. You choose this when you select which plan you would like to purchase.

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  2. 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.

    Note: Cover is NOT provided for claims under the Permanent Disability, Loss of Income or Personal Liability benefits.

    Please also refer to the General Exclusions in the PDS.

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  3. Can I take out the Adventure Pack Add-on pack if I am 70 years of age?

    Yes you can purchase the Adventure Pack add on, provided you are aged 74 or under at the date you purchase your policy.

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

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  4. What am I covered for if I take out an Adventure Pack?

    If you injure yourself while participating in the Adventure sports specified in our PDS, you have provision to put a claim in for the medical expenses you incur.

    You must NOT be competing or playing professionally.

    Note: Cover is NOT provided for claims under the Permanent Disability, Loss of Income or Personal Liability benefits.

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

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  5. Can I buy the Adventure pack on its own?

    No, the Adventure pack needs to be purchased as an Add on to the Comprehensive, Standard Saver, Frequent Traveller Saver, Snow Sports Plus and Domestic policies.

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  6. Am I covered for Quad Bike riding?

    You are NOT automatically covered. To be covered for Quad Bike riding, you will need to buy the Adventure Pack. You also must be a single rider and NOT racing Quad Bikes.

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

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  7. Is Abseiling covered?

    You are NOT automatically covered. To obtain cover for Abseiling you will need to buy the Adventure Pack Add-on.

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

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  8. Am I covered for riding a Segway?

    You are NOT automatically covered.

    To obtain cover for riding the Segway, you will need to buy the Adventure Pack Add-on.

    Please note that the Segway itself is not covered.

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

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  9. Is Boxing covered?

    You are NOT automatically covered.

    To obtain cover for Boxing you will need to buy the Adventure Pack Add-on and cover is only available if you are doing basic training, not sparring and not competing.

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

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  10. 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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  11. I am hiking above 3000 m, do I need to have a guide?

    You do not need to have a guide even if you are hiking above 3000 m.

    However, to be covered for hiking above 3000 m, you will need to add the Adventure Pack to your policy.

    Hiking at any altitude is only covered if specialist climbing equipment is not required.

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

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  12. Is Caving/potholing covered?

    You are NOT automatically covered.

    To obtain cover for Caving/potholing you will need to buy the Adventure Pack Add-on.

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

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  13. 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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  14. 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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  15. Am I covered for Scuba Diving?

    Yes, you are automatically covered for Scuba Diving to a depth of 10m. You must hold an open water diving licence recognised in Australia or dive with a licensed instructor. You will need to buy the Adventure Pack if you wish to Scuba Dive between 10m and 30m. Scuba Diving deeper than 30m CANNOT be covered. 

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

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  16. Is Battle re-enactment covered?

    You are NOT automatically covered.

    To obtain cover for Battle re-enactment you will need to buy the Adventure Pack Add-on, and it must NOT be done with firearms.

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

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  17. Is Cave/river tubing covered?

    You are NOT automatically covered.

    To obtain cover for Cave/river tubing you will need to buy the Adventure Pack Add-on.

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

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  18. Is Deep sea fishing covered?

    You are NOT automatically covered.

    To obtain cover for Deep sea fishing you will need to buy the Adventure Pack Add-on.

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

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  19. Are Expeditions to or on the Kokoda Track/Trail covered?

    You are NOT automatically covered.

    To obtain cover for Expeditions to or on the Kokoda Track/Trail you will need to buy the Adventure Pack Add-on.

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

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  20. Is Flying fox/zip lining covered?

    You are NOT automatically covered.

    To obtain cover for Flying fox/zip lining you will need to buy the Adventure Pack Add-on.

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

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  21. Am I covered for Kayaking?

    Yes, you are automatically covered for Kayaking up to Grade 3 ONLY. You will need to buy the Adventure Pack if you wish to do Kayaking in rivers or rapids graded 4 or 5.

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

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  22. Is Martial arts covered?

    You are NOT automatically covered.

    To obtain cover for Martial arts you will need to buy the Adventure Pack Add-on and cover is only available if you are doing basic training, not sparring and not competing.

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

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  23. Am I covered for hiking up to Everest Base Camp?

    You are NOT automatically covered.
    To obtain cover for hiking up to Everest Base Camp you will need to buy the Adventure Pack Add-on. This includes cover for altitude sickness and medical evacuation from the mountain if required.
    Cover is subject to the policy terms, conditions, limits and exclusions.

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  24. 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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  25. I am going on a cruise and will be swimming with dolphins. Am I covered to do this?

    You are NOT automatically covered.

    To obtain cover for swimming with dolphins, you will need to buy the Adventure Pack Add-on, and cover is only available if the activity is commercially operated and the swim is done under appropriate supervision.

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

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  26. Am I covered for White Water Rafting?

    Yes, you are automatically covered for White Water Rafting up to Grade 3 ONLY. You will need to buy the Adventure Pack if you wish to do White Water rafting in rivers or rapids graded 4 or 5.

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

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  27. Is travel on a yacht covered and do I need a Cruise policy?

    Yes, as long as the yacht (not motorised) or catamaran does not travel more than 10 nautical miles from land, if you purchase the Adventure Pack the distance extends up to 15 nautical miles from land. You only require a Cruise policy if you are travelling on a cruise vessel travelling on open sea or ocean, not a sailing yacht.

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  28. Do you cover for hiking?

    You are automatically covered for hiking to altitudes of up to 3000m where specialist climbing equipment is not required (but not expeditions to or on the Kokoda Track/Trail).

    You will need to buy the Adventure Pack Add-on if you wish to hike to an altitude of up to 6000m where specialist climbing equipment is not required, or if you wish to take an expedition to or on the Kokoda Track/Trail.

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

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  29. Is Shark cage diving covered?

    Yes, Shark cage diving is automatically covered, provided you are 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).

    You will need to buy the Adventure Pack Add-on if you wish to participate in Shark cage diving between 10m and 30m. Shark cage diving more than 30m CANNOT be covered.

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

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  30. Am I covered if I am refereeing touch football?

    You are NOT automatically covered.

    To obtain cover for refereeing competitive touch football or any type of contact sport, you will need to buy the Adventure Pack Add-on.

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

    To ensure that you select the right insurance for your holiday, you should also check the insurance requirements for the competition or tournament that you will be refereeing in.

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  31. Is Animal conservation and handling covered?

    You are NOT automatically covered.

    To obtain cover for Animal conservation and handling you will need to buy the Adventure Pack Add-on, and the activity must be done under appropriate supervision.

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

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  32. Is Shooting covered?

    You are NOT automatically covered.

    To obtain cover for Shooting you will need to buy the Adventure Pack Add-on.

    Please note that Shooting is only for a moving target, e.g. clay pigeon.

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

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  33. Is Outdoor rock climbing covered?

    You are NOT automatically covered.

    To obtain cover for Outdoor rock climbing you will need to buy the Adventure Pack Add-on and you must use ropes and appropriate safety gear. Free climbing is not covered.

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

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  34. Is Diving underwater covered?

    Yes, Diving underwater is automatically covered, provided you are 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).

    You will need to buy the Adventure Pack Add-on if you wish to Dive underwater between 10m and 30m.

    Diving underwater deeper than 30m CANNOT be covered.

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

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  35. Are Racquet and ball sports covered?

    Yes, Racquet and ball sports is automatically covered provided it does NOT involve physical contact.

    You will need to buy the Adventure Pack Add-on if you wish to participate in Contact sports (including any form of rugby, Australian Rules football or American football).

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

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  36. Are Surface water activities in rivers and rapids covered?

    Yes, Surface water activities in rivers and rapids are automatically covered in rivers or rapids graded I, II or III under the International Scale of River Difficulty, or lakes or canals.

    You will need to buy the Adventure Pack Add-on if you wish to do Surface water activities in rivers or rapids graded IV or V under the International Scale of River difficulty (but not racing).

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

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  37. Am I covered if I ride a motorcycle on public unsealed roads, and is this considered off road motorcycle riding?

    You are NOT automatically covered.

    To obtain cover for riding a motorcycle on public unsealed roads, you must ride with an organised tour group and you will need to buy the Adventure Pack Add-on.

    Riding on unsealed public roads is not considered off road motorcycle riding. There is no cover for off road motorcycle riding, and you are not covered for riding on private roads.

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

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  38. What are Additional Options or Add-ons?

    Additional options or Add-ons are extra cover you can purchase with your policy so you can tailor your policy to suit the type of holiday you're taking.

    Depending on the policy you choose, Additional Options include cover for Adventure sports, Rental Vehicle Excess, extra cover cover for valuable items, Golf pack and Bike pack.

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  39. Am I covered if I injure myself riding a hoverboard?

    No, you are NOT covered for this activity even if you have taken out the Optional Adventure Pack.

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  40. Am I covered for Cross Country Mountain biking?

    No, you are NOT covered for this activity even if you have taken out the Optional Adventure Pack.

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  41. Are Contact sports covered?

    You are NOT automatically covered.

    To obtain cover for Contact sports (including any form of rugby, Australian Rules football or American football) you will need to buy the Adventure Pack Add-on.

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

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  42. Is Kick boxing covered?

    You are NOT automatically covered.

    Kick boxing is considered a martial art. To obtain cover for Kick boxing you will need to buy the Adventure Pack Add-on and cover is only available if you are doing basic training, not sparring and not competing.

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

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  43. Is Tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding covered?

    You are NOT automatically covered.

    To obtain cover for Tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding you will need to buy the Adventure Pack Add-on, and you must do this in tandem with an instructor licensed for these activities.

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

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  44. Is hiking, trekking or tramping covered?

    Yes, hiking, trekking or tramping is automatically covered, provided it is at altitudes up to 3,000 metres where specialist climbing equipment is not required (but not expeditions to or on the Kokoda Track/Trail).

    You will need to buy the Adventure Pack Add-on if you wish to do do hiking, trekking or tramping, peaking at altitudes from 3,000 metres up to 6,000 metres, where specialist climbing equipment is not required.

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

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  45. 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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  46. 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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  47. What are your direct deposit details?

    Our Direct Deposit details are:

    Account Name: Fast Cover Travel Insurance

    Account Number: 439 945 377 BSB: 012 110 (ANZ)

    Deposit Reference: Your Quote Number or Last Name

     

     

    After you have made the direct deposit, please contact us on info@fastcover.com.au or 1300 409 322 with the following details:

    1) The deposit amount and deposit date

    2) The policy you would like to purchase and any additional options available for that policy type (for example: excess reduction, adventure pack, rental vehicle insurance excess pr extra cover for valuable items)

    3) Your details: full name, date of birth, address (P.O. Box is fine), email address and contact phone number)

    We can then process your policy and issue you with a policy certificate.

    Please note that policies can only be issued once the direct deposit payment has been confirmed by Fast Cover.

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  48. Am I covered under a Cruise policy if I sail for 7 nights on a 'Tall Ship'?

    No, a cruise policy will NOT cover you if you are not travelling on a cruise ship.

    1) If you are sailing on a large yacht or 'Tall Ship' (with masts, sails and motorised) further than 15 nm from a land mass, our policies do NOT cover you should something go wrong on the boat whether or not you have a cruise policy. You will need to find a specialised insurance provider for such trips.

    2) If you are sailing on a large yacht or 'Tall Ship' (with masts, sails and motorised) between 11 - 15 nm from a land mass, you need to take out the Adventure Pack to be covered.

    3) If you are sailing on a large yacht or 'Tall Ship' (with masts, sails and motorised) less than 10 nm from a land mass, our policies will automatically cover you.

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

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  49. 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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  50. What are my choices regarding cover for my holiday?

    Under the policy, you choose the cover you require based on your travel arrangements and your cover type depends on the type of cover you want and are eligible to purchase.

    1) You can choose one of the following cover types:

    Single

    Covers you and your dependants travelling with you.  Limits apply to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of Insurance.  

    Duo

    Covers you and your nominated travelling companion listed in the Certificate of Insurance. You must be travelling on the same itinerary for 75% of your trip. Duo policies do not provide cover for dependants. We issue one Certificate of Insurance, however, you both have cover as if you are each insured under separate policies with Single benefit limits* per insured person.  

    * Except for Benefit 19 – Rental Vehicle Excess 

    Family

    Covers you, your spouse or partner, and dependant children travelling with you.  Dependant children may be your children or your grandchildren.

    The benefit limits for Family Policies is equal to double the Single policy benefit limit*, and apply to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of Insurance. 

     

    * The benefit limit is not doubled for the following benefits and optional covers: 

    •       Benefit 13 – Theft of Cash

    •       Benefit 18 – Personal Liability

    •       Benefit 19 – Rental Vehicle Excess

    •       Benefit 23 – Snow Resort Closure

    •       Benefit 26 – Bicycle Pack

     

    2) Policies and Optional Covers you can purchase

    Comprehensive & Standard Saver

    Available to travellers of all ages if purchased before departing Australia.

    Available to travellers aged 74 years and under at time of purchase if purchased after departing Australia. 

    Basics

    Available to travellers of all ages if purchased before departing Australia.

    Domestic Plus

    Available to travellers of all ages.

    Snow Sports Plus 

    Available to travellers aged 69 years and under at time of purchase.

    Frequent Traveller Saver

    Available to travellers aged 64 years and under at time of purchase.

    Adventure Pack

    Available to travellers aged 74 years or under at time of purchase (Check PDS for eligible policy types).

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  51. 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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1300 409 322

Email us

info@fastcover.com.au

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