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 "can i buy a policy"

  1. 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. 

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  2. Can I buy a policy if I have a Bridging Visa?

    No, you can only buy a policy if you are a resident of Australia and have an Australian Medicare card or you have a valid 457 visa.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  3. 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.

     

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  4. When should I buy my Travel Insurance?

    You can buy your Travel Insurance up to 12 months before your Departure Date.

    For the Comprehensive, Standard Saver, Domestic Plus, Frequent Traveller Plus and Snow Sports Plus policies; the Trip Cancellation Expenses benefit for cancellation fees and lost deposits starts instantly when your policy is issued. It can be best to buy your policy as early as possible to cover you for Trip Cancellation Expenses should the unexpected occur before you start your trip.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  5. I want to buy travel insurance, what do I need to do?

    It's easy: go online to get a quick quote: https://fastcover.com.au/, customise the quote to suit your holiday, pay for your policy and we'll email your policy documents to you.

    If you prefer, call our friendly travel specialists on 1300 409 322 and they can take you through the whole process.

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

    Please remember, these FAQs should be read in conjunction with our Product Disclosure Statement (PDS) so that you can make an informed choice about your travel insurance. 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 PDS to ensure that it is suitable to you.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  6. I haven't left Australia yet, but I want to buy a policy to start when I am already overseas. Can I do this?

    Yes you can purchase a policy to start after you have already left Australia, provided your policy with us follows directly on from your policy wiith another company. That is, you must be insured continuously from the time you leave Australia.

    You do not need to take out an "Already Overseas" policy if you purchase this policy before you leave Australia. If you have already left Australia and then wish to purchase a policy to start at a later date, you will need to purchase an Already Overseas* policy.

    *Other eligibility requirements apply if you are purchasing a policy when you have already left Australia.

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

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  7. Can I buy a policy if I am NOT an Australian citizen?

    If you are a permanent or temporary resident on a 457 visa of Australia, you can purchase a Travel Insurance policy. If you are NOT an Australian resident or NOT a temporary Australian resident with a 457 visa, you CANNOT buy a Travel Insurance policy. If you do, it will be INVALID.

    Please contact our affiliate Aussie Travel Cover* on 02 9998 7854 and they may be able to offer you a non-Australian resident travel insurance policy.

     

    *Fast Cover Pty Ltd receives a commission from Aussie Travel Cover for each referred policy.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  8. Can I buy a policy if I am an overseas visitor to Australia?

    If you are NOT an Australian resident or NOT a temporary Australian resident with a 457 visa, you CANNOT buy a Travel Insurance policy. If you do, it will be INVALID. Please contact our affiliate Aussie Travel Cover* on 02 9998 7854 and they may be able to offer you a non-Australian resident travel insurance policy. If you are a permanent or temporary resident with a 457 visa of Australia, you can purchase a Travel Insurance policy.

     

    *Fast Cover Pty Ltd receives a commission from Aussie Travel Cover for each referred policy.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  9. 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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  10. What happens after I buy my policy?

    After your payment has been processed, your policy documents will be emailed to you.

    Your details will be registered in the emergency assistance team's traveller database so they'll be able to provide you with emergency assistance should you need it while travelling.

    If you purchased a Comprehensive, Standard Saver, Snow Sports Plus, Domestic or Frequent Traveller Saver policy, the Cancellation benefit starts as soon as your policy is issued. The rest of your policy benefits start when you leave for your trip and ends on your return date.

    If you purchase a Basics policy, your medical benefits start when you leave for your trip and ends on your return date.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  11. Can I cancel my policy if I haven't used it and haven't travelled?

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

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  12. What visa do I need to have to be able to buy a policy?

    If you are a temporary resident of Australia travelling overseas, you must hold a 457 visa to be eligible to purchase a policy with us.

    Please check the PDS for additional eligibility criteria for cover.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  13. Can I buy a policy for one way trip?

    Yes, only if you intend to return to Australia. The policy must start on your departure date from Australia.

    If you are not sure of when you are planning to return to Australia, the return date can be a date before your actual return to Australia.

    Once you confirm your actual return date, you can request to extend your policy to the actual return date.

    The maximum duration of a policy is 24 months.

    Please note that holders of a 457 visa are not eligible for one way trips. If you have a 457 visa, you must hold a return ticket to Australia.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  14. If I'm travelling domestically and then overseas, can I buy one policy to cover both?

    You can buy one policy to cover both trips if the domestic and international travel are in conjunction with one another and you will not be returning home in between the two trips.

    If you will be returning home in between the two trips, you will need to purchase two separate policies.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  15. 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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

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

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

    You can extend Your Policy:

    An additional fee may apply.

     

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  17. 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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  18. My policy has started but I haven't left yet, can I change my departure date?

    No, once your policy has started it is not possible to change your departure date. Your policy is still valid even if you depart after the departure date and before the return date stated on your policy.

    You can still upgrade or extend your policy with our agreement before the policy expires.

    Please check the PDS for details on how to request an extension of cover, the time-frames for requesting an extension and any restrictions. An additional premium may apply.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  19. What age do I enter when getting a quote or buying a policy?

    Enter the age that you will be at the time that you BUY your policy, even if you will be older when you are actually travelling.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  20. How long after my policy expires can I extend it?

    Policies CANNOT be extended after the policy has expired. You can Extend the Return Date:

    • Online when you are overseas through the 'My Policy' Tools menu; or
    • Sending us an email before your policy finishes; or
    • By calling us on +61 2 8215 7239 from overseas

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  21. Can I buy a Domestic Plus policy for any Geographical region?

    The Domestic Plus policy can only be purchased for travel within Australia. Cover for any loss you suffer must occur in this Geographical Region. There is no cover for stopovers in a higher Geographical Region.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  22. If i’m travelling with my sister and her child - can we purchase a family policy?

    No, family policies can only cover you, your spouse or partner, and dependant children travelling with you.

    Dependant children may be your children or your grandchildren under the age of 21 and not in full time employment.

    You will need to purchase your own separate travel insurance policy.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  23. Can I buy travel insurance if I'm Pregnant?

    Yes, you can buy travel insurance from Fast Cover if you are pregnant provided you are:

    a) up to and including the 23rd week for a single pregnancy OR up to and including the 19th week for twins or multiple children; and

    b) it is without complications*

    *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.

    Pregnancy is considered a 'pre existing medical condition' under the policy and you should read the PDS wording carefully before taking out cover.

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

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  24. How many people can I include in my policy?

    * A Single policy can include you and your own dependents (your children or grandchildren under 21 and not in full time employment) travelling with you on your trip.

    * For a DUO policy you can have 2 travellers on the one policy, and the travellers do not need to be related.

    * A Family policy can include you, your spouse or partner and your own dependents (your children or grandchildren under 21 and not in full time employment) travelling with you on your trip.

    If you are travelling as a group, contact us info@fastcover.com.au or on 1300 409 322 and we can assist you with your group quote.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  25. 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.

     

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  26. 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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  27. I am thinking of buying the bike pack. My bike will be over 3 years old when I travel but is currently less than 3 years old, will my bike still be covered?

    We take the age of the bike at the time of policy issue, so if your bike is less than 3 years old when you buy the policy, your bike can still be covered if you buy the Bike pack add-on.

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

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  28. Why should I buy travel insurance?

    Fast Cover travel insurance covers you for unexpected expenses you may incur on your holiday like overseas medical expenses, theft of your belongings and even cancellation of your trip if you're unable to travel due to sickness or injury. Medical expenses in some countries can cost over $100 000.

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

    Please remember, these FAQs should be read in conjunction with our Product Disclosure Statement (PDS) so that you can make an informed choice about your travel insurance. 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 PDS to ensure that it is suitable to you.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  29. Can I pay for my policy in instalments?

    At this stage, we are not able to offer instalment payment options for our policies. Policy premiums for the specified travel dates must be paid in full at the time of policy purchase.

    If you are not able to pay the premium for the full duration of your trip, you can consider purchasing a policy for a part of your trip, and then pay for and extend your policy as you travel. For example: If you are planning to travel for 6 months, but do not wish to pay the policy premium for the full 6 months upfront, you can buy a policy for the first month, and then before your policy expires, pay for and extend your policy for another month, and so on until the full 6 months has been reached. There is no surcharge to extending your policy as you travel, and the final cost will be the same as if you had paid for the policy upfront, pending any price adjustments in that time.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  30. Can I delay the commencement of a policy because I'm delaying my trip?

    Yes, as long as:

    1) You're not planning on making a claim on the original policy, and

    2) The new policy MUST start, at the latest, 1 year after the original purchase date of the policy.

    Be aware the delayed commencement may affect the price of your policy.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  31. Can I buy the Basics policy for any Geographical region?

    For the Basics policy You must nominate the applicable Geographical Region for your journey. Please note that the Basics policy for the domestic region cannot be selected as this policy is designed for travel overseas.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  32. I have a frequent traveller saver policy for the Asia region, but for one of my trips I am going to the USA. What do I do?

    You have 2 options:
    1) Upgrade your Frequent Traveller Saver policy to the Worldwide region, OR
    2) Buy a single trip policy for the USA trip separately to your Frequent Traveller Saver policy.

    We are not able to upgrade only a portion of the Frequent Traveller Saver policy.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  33. I am buying a policy for myself and my friend, but there is only space to enter one person's address and email address. How can I enter both contact details?

    We only need one traveller's contact details on the policy.
    As long as both traveller's full names and date of birth is listed on the policy, the policy is valid.

    We would only use the contact details on the policy if we have any questions regarding your policy.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  34. 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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  35. 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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  36. Can I cancel my policy and get a full refund within 24 hours?

    You have 14 days from the purchase date of your policy (as set out in the Certificate of Insurance) to make sure you are happy with your policy (this is the Cooling off period). During these 14 days, you may cancel your policy by writing to us and we will give you a full refund, provided:
    1) You have NOT exercised or intend to excercise any of your rights or powers under the policy. E.g. you have made a claim, intend to make a claim or used the policy to obtain a visa;
    2) Your travel departure date (shown on your Certificate of Insurance) has NOT passed within the 14 day cooling off period. This means that from the purchase date of your policy, if there is less than 14 days to your departure date, the 14 day cooling off period does not apply. Your cooling off period would end on your departure date.

    If you have purchased a policy for the wrong destination, incorrect trip duration or need to make other changes to your policy, you may not need to cancel your policy. Contact us on 1300 409 322 or via email: info@fastcover.com.au and we would be happy to assist you.

    If you still wish to cancel your policy, and the above 2 points do not apply to you, we would be able to cancel your policy immediately. However, please allow 2 - 3 business days for the refund to appear in your bank statement.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  37. Can I add my partner/spouse who is 65 years of age and travelling with me, to my Frequent Traveller Saver policy?

    You can be covered under a Frequent Traveller Saver Policy if you are 64 years of age or younger at the time you buy your policy.

     

    For an additional fee, you can add your partner/spouse and/or dependants to you Frequent Traveller Saver policy.

    However, if your partner/spouse is over 64 years of age at the time you buy your policy, they CANNOT be covered under your Frequent Traveler Saver Policy and will have to obtain their own separate cover.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  38. Is it cheaper to buy travel insurance online?

    No, it makes no difference to the price of your policy, however the great thing about buying online is that you can do it in your own time, and you can always send our travel specialists a message to info@fastcover.com.au if you have a question.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  39. 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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  40. 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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  41. How can I change my policy?

    You can extend or amend the contact or traveller details by going to the Your Policy tab on our website and request a change to your policy.

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

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  42. Can I buy a multi trip policy for seniors?

    Frequent Traveller Saver policies cover travellers aged 64 years and under.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  43. Can I get a 1 year domestic policy?

    The maximum number of days you can purchase a Domestic Policy for is 92 days.

    If you will be travelling in the Domestic region for 12 months and wish to have cover for that period of time, you can purchase a Single policy for the Pacific region or a Frequent Traveller Saver policy for the Asia region. 

    Please note that there is no Medical cover while you are travelling in the Domestic region.

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

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  44. Can I get a policy for 2 years?

    Yes you can for overseas policies. You would need to firstly take out a policy for the initial 12 months of your trip, and then extend your policy for the another 12 months once your policy starts.

    For more information contact us via email at info@fastcover.com.au or 1300 409 322

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  45. Is Diabetes Mellitus (Type I) covered?

    Diabetes Mellitus (Type I) providing you:

    a) were diagnosed over 12 months ago, and

    b) have no eye, kidney, nerve or vascular complications, and

    c) do not also suffer from known cardiovascular disease, Hypertension, Hyperlipidaemia or Hypercholesterolaemia, and

    d) are under 50 years of age at the date of policy purchase.

    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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  46. What is a Single policy?

    A Single policy can include you and your own dependents (your children or grandchildren under 21 and not in full time employment) travelling with you on your trip.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  47. What is a DUO policy?

    A DUO policy is a policy for two travellers. You can be a couple or travelling companions and do not need to be related to be on the same policy.

    The DUO policy allows each traveller to make their own separate claims without impacting the benefit limits of the other traveller.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  48. What am I covered for if I have a Domestic policy, and my Domestic flight is cancelled at the beginning of my trip?

    If your domestic flight is cancelled due to circumstances out of your control, you may be able to claim for expenses including travel delay and alternative transport costs to catch a different flight to get to your destination, as long as the reason for the cancellation is due to an event that you can claim for under your policy.

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

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  49. What type of cover can I choose from?

    You can choose from the  following Policies:

    • Comprehensive
    • Standard Saver
    • Basics
    • Domestic Plus*#
    • Frequent Traveller Saver
    • Snow Sports Plus#

    Further detail about the Policies can be found in the Product Disclosure Statement (PDS).

    *you will not have cover under certain Policy Sections while travelling in Australia - see the 'Geographical Regions' page of the PDS for more detail.

    #unless you purchase the Domestic Plus or Snow Sports Plus policies, you will not have cover for any claims arising from snow sport activities - see the General Exclusions of the PDS for more detail.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  50. I am travelling with my mum - I have a Fast Cover policy and my mum has a travel insurance policy with another company. If my mum unexpectedly falls sick on the trip, will I still be covered under my policy if I return home with her?

    Yes, if you plan to travelling together for at least 75% of the time, you will be considered travelling companions and you will be able to claim for Trip Disruption Expenses.

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

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  51. I want a 2 year policy. When is the earliest that I can extend the policy?

    If you already have a 12 month policy, the earliest date that you can extend your policy is when your policy starts, which is the departure date as specified on your Certificate of Insurance.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  52. What happens when my policy expires?

    Your policy expiry date is the Return date that you have specified on your policy. Your policy benefits will end on that Return date, whether or not you return to your home as planned.


    Please ensure that you are aware of your policy expiry date during your trip, so that before your policy ends, you can extend your policy if you wish to stay overseas longer than planned.


    1) If you are still overseas when your policy is about to expire and it is for a reason for which you can claim under your policy, the Emergency Assistance team will automatically extend your policy for you. For example: if you are injured in an accident or you unexpectedly become seriously ill.

    2) If you are still overseas when your policy is about to expire and you are not sure if the reason is something for which you can claim under your policy: you should log into your policy online and extend your policy, or you can contact us in business hours and we can extend your policy for you (please take into account the time difference when considering this option). If you then find that the reason is for something for which you can claim under you policy, you can put in a claim for the cost of the policy extension.

    3) If you are still overseas when your policy is about to expire and it is NOT for a reason for which you can claim under your policy: you should log into your policy online and extend your policy, or you can contact us in business hours and we can extend your policy for you (please take into account the time difference when considering this option).

    4) If you are on the final day (expiry date) of your policy and it is NOT for a reason for which you can claim under your policy, you can still extend your policy: log into your policy online and extend your policy, or you can contact us in business hours and we can extend your policy for you (please take into account the time difference when considering this option).

    5) If you are past the expiry date of your policy, you can purchase an Already Overseas* policy to cover you for the remaining time that you are overseas.

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

    Other eligibility requirements apply if you are purchasing a policy when you have already left Australia.

    Please refer to our PDS for more information.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  53. Your website says that your Comprehensive policy is the most popular - what does that mean?

    This means that more travellers purchase the Comprehensive policy compared to the other policies that we offer.

    The Comprehensive policy offers cover for more benefits, and the benefit limits are higher compared to the Standard Saver and Basics policies. You can purchase the Comprehensive policy online or over the phone for any international trip for travellers of any age.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  54. If I am able to come home and return overseas on my 12 month Single trip policy, what is the difference between a Frequent Traveller Saver and Single trip policy?

    A Frequent Traveller Saver policy is suitable for travellers who plan to travel a few times in a 12 month period. The policy allows you to choose the maximum number of days you will be away for, and you are also automatically covered for cruising.

    The level of cover provided by the Frequent Traveller Saver policy is equivalent to our Comprehensive policies, which is our top level of cover. However, the Cancellation cover on the Frequent Traveller Saver policy only starts on the date that you have specified on your policy, not on the policy purchase date (unless you specify the purchase date as the date that you wish for the policy to commence).

    You can tailor Frequent Traveller Saver policies to suit your trip, however, there is no option to add on Snow cover for overseas travel.

    If you have a Frequent Traveller Saver policy but one of your international trips involves snow sports, you will need to take out a separate Single trip Snow Sports policy for that holiday.

    Our Single Trip policies provide cover for one trip, allow you to return home within the period specified on your policy and there is no limit on how long you can be away for. There are 3 levels of cover available for SIngle trip policies: Comprehensive, Standard Saver and Basics. You can tailor your Single trip policy to suit the type of trip that you will be taking, including adding on Cruise or Snow cover.

    The price for the Frequent Traveller and Single trip policies vary depending on where you are travelling, how long you will be away for and the type of activities that you will be doing. You can compare the prices for our policies and find one that suits your travel by going online at fastcover.com.au or give us a call on 1300 409 322 and we would be happy to help.

    For further information on the policy that suits your type of holiday, read our PDS.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  55. I have a 457 visa, can I buy a policy?

    Yes, as long as you are aged 74 years and under at the time of taking out cover, your journey begins and ends in Australia, and the visa will still be valid after you return to Australia.

    You must hold a return ticket to Australia and have a home in Australia to which you intend to return.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  56. Can I buy luggage and cancellation insurance only?

    No, at this stage we do not offer a specific policy to just cover luggage and cancellation.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  57. What are the ways I can pay for my insurance?

    You can choose from a range of payment options. We accept payment via Credit Card (VISA or MasterCard), Direct Deposit or Cheque.

    We'll email you the Product Disclosure Statement and your Insurance Certificate to you as soon as your payment is approved.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  58. What is the Domestic Plus policy and what does it cover?

    The Domestic policy is for trips taken within Australia where you will more than 200kms from your home.

    The Domestic policy provides cover for unexpected: cancellation, lost/damaged/stolen luggage and personal effects, travel delays, rental vehicle excess cover up to $5000, accidental death and personal liability.

    The Domestic policy is not applicable if you are taking a cruise in Australian waters. For cruises in Australian waters, you will need the Comprehensive, Standard Saver, Snow Sports Plus, Basics or Frequent Traveller Saver policies.

    The Domestic policy can also be tailored to suit your trip.

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

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  59. What is the maximum amount of time that I can purchase an Already Overseas policy?

    The maximum amount of time you can purchase an Already Overseas policy is 24 months.

    You would need to firstly take out a policy for the initial 12 months of your trip, and then extend your policy for the another 12 months once your policy starts.

    Please note that policies purchased to begin when you are already overseas or while you are already overseas are subject to:
    * a 48 hour waiting period for all benefits; and
    * a $500 excess for all claims. It 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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  60. I bought a Single policy and added my kids to it. Why does my policy still say "Single"? Are my kids covered?

    Your policy is still considered a Single policy, even if you have added your children* to your policy. This is because your children do not get additional benefits outside what is covered under a single policy. Any claims that you need to make on their behalf would be subject to the benefit limits and exclusions under your Single policy.

    * Your children must be under the age of 21 and not in full-time employment

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  61. How do I login to my account

    You can login to your account by going to the Your Policy tab on our website.

    You will need to enter your policy number, surname and date of birth to be able to access your policy details.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  62. How will my policy be sent to me?

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

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  63. Do we have to travel at the same time if we are on the same policy?

    Yes, travellers on the same policy MUST leave and arrive as specified on the policy. You need to have the same itinerary and be together at least 75% of the time, otherwise you MUST buy single policies.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  64. 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 Personal Liability Benefit of the PDS) - the amount shown in the Benefit Summary of the PDS is the most we will pay for all claims combined under the Personal Liability Benefit for the 12 month policy period.
    • Automatic cover for cruising
    • Accompanying spouse/ partner and dependant children/grandchildren can be covered under the policy as an optional benefit, 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.
    • Cancellation cover starts on the date you have specified on your policy, not on the policy purchase date (unless you specify the purchase date as the date that you wish for the policy to commence).

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  65. Which travel insurance policy is best for me?

    You should find a policy that suits the type of trip that you are taking. Are you cruising? Hiring a rental vehicle? Concerned about travel delays or missing your flight connection? These type of questions will help you to choose the policy that's right for you.

    If you need further assistance, our FAQs may help you further, or send our travel specialists a message to info@fastcover.com.au or call us on 1300 409 355.

    Please remember, these FAQs should be read in conjunction with our Product Disclosure Statement (PDS) so that you can make an informed choice about your travel insurance. 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 PDS to ensure that it is suitable to you

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  66. 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.

     

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  67. Can i buy travel insurance if I have a visa?

    We are only able to provide travel insurance to travellers who are Australian residents who have access to Medicare or who have a 457 visa.

    If you have a 457 visa, you would be eligible for a policy provided:
    * Your visa will remain valid beyond the period of the 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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  68. 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.

    If you have a Comprehensive, Standard Saver, Domestic Plus, Snow Sports Plus or Frequent Traveller Saver policy, 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.

    If you have a Basics policy, your cover starts from the time you depart for your trip.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  69. What happens when I apply for a travel insurance policy?

    When you apply for the policy, we will confirm with you things such as the period of cover, your premium, what cover options and excesses will apply, and whether any standard terms are to be varied (this may be by way of an endorsement).

    These details will be recorded on the Certificate of Insurance issued to you.

    If we are unable to offer you the cover you seek, it will be because the particular product offered is not designed to cover a particular risk or risks including, but not limited to, some geographical regions, some pre-existing medical conditions or some ages. In such a case if you would like to discuss your options please contact Fast Cover via email or call us on 1300 409 322.

    The PDS sets out the cover we are able to provide you with. You need to decide if the benefit limits, type and level of cover are appropriate for you and will cover your potential loss.

    If you have any queries, want further information about the policy or want to confirm a transaction, please contact Fast Cover via email or call us on 1300 409 322.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  70. My brother is over the age of 21, I am under the age of 20 and not in full time employment. Can my brother take out a Single policy and can I be covered for free under his policy as a dependant?

    In this situation, a Single policy would only be valid if your brother is your legal guardian (that is, he has legal authority to care for your personal and property interests) and is travelling together with you for 100% of the trip.

    If your brother is not your legal guardian, you can take out a DUO policy which will cover both of you on your trip.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

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

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

    However, you can change your policy from Standard Saver to Comprehensive if you have already started your trip.

    Please note, you will NOT be covered for anything that has already happened or is reasonably foreseeable to happen at the time you upgrade to Comprehensive if it wasn't already covered under your Standard Saver cover.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  72. Can a policy holder's family or friend make enquiries for the policy holder?

    Family or friends of the policy holder can only make specific enquiries or changes to their policy IF they are listed as an authorised 3rd party.

    If the family or friend is not listed on the policy as an authorised 3rd party, they can only make a general enquiry. We would not be able to give them information specific to the policy holder or make any changes to the policy at their request.

    You can nominate for a family/friend to be an authorised 3rd party who can make enquiries and changes to your policy. Send us an email at info@fastcover.com.au or call us on 1300 409 322 to nominate an authorised 3rd party.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  73. I'm doing the IEC program - how do I get a 2 year policy?

    As long as you meet the eligibility criteria to buy travel insurance from us, we can provide a policy for up to two years through extension of your policy.

    Initially we are only able to issue you with a 12-month policy. Then, from your policy start date, you can login to the Your Policy section of our website and extend it up to the full two years. The date changes are instantaneous and you'll be able to download your updated certificate immediately showing your new cover dates.

    You can also contact us via phone or reply to your policy email to arrange this extension for you.

    For more information, please refer to our IEC page.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  74. Can I get a policy that covers me for the Pre-Existing Medical Conditions that are not listed?

    We CANNOT cover Pre-Existing Medical Conditions that are NOT on our list of Automatically covered Pre-Existing Medical Conditions.

    Please contact our affiliate Aussie Travel Cover* on 02 9998 7854, they may be able to take you through a medical assessment over the phone and create a travel insurance policy for your specific condition.

    Please note:

    1) These policies can ONLY be done on over the phone.

    2) Medical assessments can ONLY be done by the person requiring the insurance or for their dependent.

    3) They will need your medical history detailing the condition that you have and the medication you are on.

     

    *Fast Cover Pty Ltd receives a commission from Aussie Travel Cover for each referred policy.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  75. Can I get a policy if I am going on a working holiday to Canada?

    Yes, our policies will cover you for a working holiday in Canada for a maximum of 24 months. You would need to purchase your policy for an initial 12 months, and extend the policy for another 12 months when your policy begins.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

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

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

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  77. When is my policy valid?

    If you purchase a Comprehensive, Standard Saver, Snow Sports Plus, Domestic and Frequent Traveller Saver policy, the Trip Cancellation Expenses benefit starts as soon as your policy is issued.

    The rest of your policy benefits start when you leave for your trip and ends on your return date.

    If you purchase a Basics policy, your medical benefits start when you leave for your trip and ends on your return date.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  78. Do I choose a DUO policy for a husband and wife?

    Yes, DUO policies cover any two travellers who will be travelling together for at least 75% of the time.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  79. 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.

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

  80. Can I take out of policy if I'm between the ages of 80 - 89?

    If you purchase a Comprehensive, Standard Saver Policy, Basics Policy or Domestic Plus Policy and are between 80-89 years of age at the time of policy purchase, your policy is subject to the following conditions:

    • A $2,000 excess applies for all claims arising from, related to or associated with your injury or sickness. For claims not related to your injury or sickness a $200 excess applies unless you reduce it.
    • Cover is limited to $40,000 in total for all claims related to or associated with an injury or sickness under all (not each) of the following Benefits that apply to your policy type:
      • Benefit 1 – Overseas 24/7 Emergency Medical Assistance
      • Benefit 2 – Overseas Emergency Hospital & Medical Expenses
      • Benefit 3 – Overseas Emergency Dental
      • Benefit 4 – Overseas Emergency Evacuation
      • Benefit 5 – Trip Cancellation Expenses
      • Benefit 6 – Trip Disruption Expenses
      • Benefit 7 – Trip Resumption Expenses

    Was this answer helpful?

    Yes
    No

    Thanks, glad we could help.

    We're sorry to hear that. What could we have done better?


    Thanks for your feedback.

Still have questions?

Ask us

Submit online

Call us

1300 409 322

Email us

info@fastcover.com.au

Alert Icon

Travel Alerts

Before you purchase your policy and before you travel, read the latest travel alerts that may effect your travel.

Travel Guides Icon

Travel Guides

We’ve put together a series of country and city guides to help you with your travel plans.

Travel Suitcase

Be inspired and come along for the ride as we bring you the world before your experience it for yourself.

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

?