Snow Travel FAQs | Fast Cover

Snow FAQs

  1. What is the age limit for snow cover?

    There are no age limits for Snow Cover if you are ONLY travelling in Australia. If you are travelling overseas and are aged 69 and under, you are eligible for Snow Cover. If you are travelling overseas and are 70 years of age or older, we CANNOT provide you with snow cover.

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

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

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

    Yes, as long as it is on a marked trail. This applies even if the run is not groomed.

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  4. If we are unsure whether we are going skiing or snowboarding, can we upgrade to a ski policy whilst we are travelling?

    Yes, you can upgrade to the Comprehensive Snow Plan S policy while you are travelling buy paying the difference in price.

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  5. What is the meaning of 'Backcountry' in the PDS?

    'Backcountry' means areas outside the boundaries of a ski resort.

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  6. What is the meaning of 'Heli-skiing' in the PDS?

    'Heli-skiing' means downhill skiing or snowboarding from locations accessible by helicopter.

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  7. What is the meaning of 'Off-piste' in the PDS?

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

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

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  8. What does 'Snow Sport Activities' mean in the PDS?

    'Snow Sport Activities' means the following amateur activities that do not involve any form of racing, acrobatics, jumping, aerial, stunting or freestyle:

    • skiing, snowboarding, sledding, tobogganing, or tubing conducted on groomed ski slopes within ski resort boundaries;
    • skiing or snowboarding off-piste (but not backcountry);
    • heli-skiing;
    • snowcat skiing;
    • cross country skiing on groomed and marked trails;
    • glacier walking with hiking equipment under appropriate supervision;
    • snow shoeing on groomed and marked trails;
    • snowmobile riding on groomed and marked trails under appropriate supervision;
    • ice sailing.

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  9. What does 'Snow Sport Equipment' mean in the PDS?

    'Snow Sport Equipment' means skis, poles, boots, bindings, snowboards or ice skates.

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  10. What is 'Snow sport overseas emergency medical assistance' cover?

    You only have this cover if you chose Plan S.

    PLEASE NOTE: You will not have cover under this Policy Section while travelling in Australia.

    We will pay:

    Allianz Global Assistance will arrange for the following assistance services if you suffer an injury or become sick overseas, and the injury or sickness arises from snow sport activities:

    a) Access to a medical adviser for emergency medical treatment while overseas.

    b) Any messages which need to be passed on to your family or employer in the case of an emergency.

    c) Provision of any written guarantees for payment of reasonable expenses for emergency hospitalisation while overseas.

    d) Your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment overseas, or bringing you back to Australia with appropriate medical supervision.

    e) The return to Australia of your dependants if they are left without supervision following your emergency hospitalisation or evacuation.

    f) If you die as a result of an injury or sickness that arises from snow sport activities during your journey, we will pay for the reasonable cost of either a funeral or cremation overseas and/or of bringing your remains back to your home. The maximum amount we will pay is $15,000 per person. Please note that we will not pay for any costs incurred in Australia.

    We will not pay:

    a) We will not pay for any expenses for medical evacuation, funeral services or cremation or bringing your remains back to Australia, unless it has been first approved by Allianz Global Assistance.

    b) We will not pay if you decline to promptly follow the medical advice we have obtained, and we will not be responsible for subsequent medical, hospital or evacuation expenses.

    c) We will not pay for medical evacuation or the transportation of your remains from Australia to an overseas country.

    d) We will not pay for any claims arising from activities not defined as snow sport activities.

    e) We will not pay for any claims arising outside the period 15th December to 31st March in Northern Hemisphere resorts, and 15th June to 30th September in Southern Hemisphere resorts. This exclusion will not apply to those resorts which are open outside these time periods and have sufficient snow for normal skiing activities.

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  11. What is 'Snow sport overseas emergency medical and hospital expenses' cover?

    You only have this cover if you chose Plan S.

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

    We will pay:

    a) We will reimburse the reasonable medical or hospital expenses you incur until you get back to Australia if you injure yourself overseas, or become sick there, and the injury or sickness arises from snow sport activities. The medical or hospital expenses must have been incurred on the written advice of a medical adviser. You must make every effort to keep your medical or hospital expenses to a minimum.

    If we determine, on medical advice, that you should return home for treatment and you do not agree to do so, we will pay you an amount up to the limit shown in the TABLE OF BENEFITS of the PDS, which we reasonably consider to be equivalent to:

    • your medical expenses and/or related costs incurred overseas to the date we advise you to return to Australia; plus
    • the amount it would cost us to return you to Australia; plus
    • the amount of any cancellation fees and lost deposits you would have incurred had you followed our advice.

    We will only pay for treatment received and/or hospital accommodation during the 12 month period after the sickness first showed itself or the injury happened.

    b) We will also pay the cost of emergency dental treatment which arises from snow sport activities up to a maximum amount of $500 per person for dental costs incurred, which the treating dentist certifies in writing is for the relief of sudden and acute pain to sound and natural teeth.

    Please note that we will not pay for any costs incurred in Australia.

    We will not pay:

    We will not pay:

    a) For expenses arising from pre-existing medical conditions, except as specified under the 'Pre-existing Medical Conditions' section see pages 23 to 25 of the PDS for more detail.

    b) When you have not notified Allianz Global Assistance as soon as practicable of your admittance to hospital.

    c) For expenses after 2 weeks treatment by a chiropractor, physiotherapist or dentist, unless approved by Allianz Global Assistance.

    d) If you do not take the advice of Allianz Global Assistance.

    e) If you have received medical care under a reciprocal health care agreement.

    f) For expenses for damage to dentures, dental prostheses, bridges or crowns.

    g) For expenses relating to dental treatment involving the use of precious metals or for cosmetic dentistry.

    h) For any claims arising from activities not defined as snow sport activities.

    i) For any claims arising outside the period 15th December to 31st March in Northern Hemisphere resorts, and 15th June to 30th September in Southern Hemisphere resorts. This exclusion will not apply to those resorts which are open outside these time periods and have sufficient snow for normal skiing activities.

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  12. What is 'Own snow sport equipment' cover?

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

    We will pay:

    a) We will pay the repair cost or value of snow sport equipment owned by you, which is stolen or accidentally damaged, or is permanently lost.

    When calculating the amount payable we will apply depreciation due to age, wear and tear. The amount of such depreciation will be determined by us. No depreciation will be applied to snow sport equipment purchased duty free prior to your departure, or snow sport equipment purchased during your journey.

    We will not pay more than the original purchase price of any item. We have the option to repair or replace the snow sport equipment instead of paying you.

    b) Snow sport equipment owned by you and left in a motor vehicle is only covered during daylight hours and must have been left in a concealed storage compartment of a locked motor vehicle, and forced entry must have been made.

    No cover applies if snow sport equipment is left unattended in the passenger compartment of the motor vehicle, or if the Snow Sport Equipment has been left in the motor vehicle overnight.

    The most we will pay if snow sport equipment owned by you is stolen from the locked boot or from a concealed storage compartment of an unoccupied motor vehicle during daylight hours is $200 for each item, and $1,000 in total for all stolen items.

    We will not pay:

    To the extent permitted by law we will not pay a claim in relation to snow sport equipment owned by you if:

    a) You do not report the loss, theft or damage 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 loss, theft or damage occurred. You must prove that you made such report by providing us with a written statement from whoever you reported it to.

    b) The loss, theft or damage is to, or of, snow sport equipment left behind in any hotel or motel room after you have checked out, or snow sport equipment left behind in any aircraft, ship, train, tram, taxi or bus.

    c) The snow sport equipment was being sent unaccompanied or under a freight contract.

    d) The loss or damage arises from any process of cleaning, repair or alteration.

    e) The loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin.

    f) The snow sport equipment was left unsupervised in a public place.

    g) The snow sport equipment was left unattended in a motor vehicle, unless it was left in a concealed storage compartment of a locked motor vehicle.

    h) The snow sport equipment was left overnight in a motor vehicle, even if it was left in a concealed storage compartment of a locked motor vehicle.

    i) You are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft or damage occurred. However, if you are not reimbursed the full amount of your claim, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of your cover (allowing for depreciation due to age, wear and tear).

    j) The loss or damage is to, or of, snow sport equipment while it is in use.

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  13. What is 'Snow sport equipment hire' cover?

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

    We will pay:

    We will reimburse you for the costs of hiring alternative snow sport equipment following:

    a) accidental loss, theft of, or damage to, snow sport equipment owned by you, for which a claim has been accepted by us under Policy Section 19 (Own Snow Sport Equipment) of the PDS; or

    b) the misdirection or delay, for a period of more than 24 hours, of snow sport equipment owned by you.

    We will not pay:

    YOU MUST CHECK 'GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS' PAGES 50 TO 52 OF THE PDS FOR REASONS WHY WE WILL NOT PAY.

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  14. What is 'Snow ski pack' cover?

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

    We will pay:

    If, as a result of your injury or sickness during your journey, you are unable to utilise the full duration of your prebooked and pre-paid ski passes, ski hire, tuition fees or lift passes, we will reimburse you the irrecoverable cost of the unused portion for each insured person. You must obtain a medical certificate from a medical adviser in support of your claim for your injury or sickness.

    We will not pay:

    a) We will not pay for any claims arising from activities not defined as snow sport activities.

    b) We will not pay for any claims arising outside the period 15th December to 31st March in Northern Hemisphere resorts and 15th June to 30th September in Southern Hemisphere resorts. This exclusion will not apply to those resorts which are open outside these time periods and have sufficient snow for normal skiing activities.

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  15. What is 'Piste closure' cover?

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

    We will pay:

    We will pay up to $100 per 24 hour period if, as a result of not enough snow, bad weather or power failure in your prebooked holiday resort, all lift systems are closed for more than 24 hours.

    We will pay for either:

    a) the cost of transport to the nearest resort; or

    b) the cost of additional ski passes.

    We will not pay:

    a) We will not pay for any claims relating to resorts that do not have skiing facilities greater than 1,000 metres above sea level.

    b) We will not pay for any claims arising outside the period 15th December to 31st March in Northern Hemisphere resorts and 15th June to 30th September in Southern Hemisphere resorts. This exclusion will not apply to those resorts which are open outside these time periods and have sufficient snow for normal skiing activities.

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  16. What is 'Bad weather and avalanche closure' cover?

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

    We will pay: 

    We will pay the reasonable extra travel and accommodation expenses that you need to pay if your pre-booked outward or return journey is delayed for more than 12 hours from your scheduled departure time because of an avalanche or bad weather.

    We will not pay:

    a) We will not pay unless you obtain a written statement from the appropriate authority confirming that the reason for the delay was related to either an avalanche or bad weather, and how long it lasted.

    b) We will not pay for any claims relating to resorts that do not have skiing facilities greater than 1,000 metres above sea level.

    c) We will not pay for any claims arising outside the period 15th December to 31st March in Northern Hemisphere resorts and 15th June to 30th September in Southern Hemisphere resorts. This exclusion will not apply to those resorts which are open outside these time periods and have sufficient snow for normal skiing activities.

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