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How to use Fast Cover Travel Insurance

Below is your fast and simple guide to travel insurance with Fast Cover. From getting a quote, finding out what you are and aren't covered for, how to change your policy, reduce your risk of something going wrong on your holiday, what to do in an emergency, how to make a claim and more.*

Getting a quote

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Do I qualify for a policy?

Our policies are only available if you meet our Can I buy a policy criteria which includes but is not limited to:

  • You currently reside in Australia and you hold a valid Australian Medicare card;
  • You are a non-permanent resident who holds a valid Medicare card or are covered by an Australian Private Health Insurance policy that satisfies the government health insurance requirements for your visa type;
  • You purchase your policy before you commence your trip unless you satisfy our “if you are already overseas” eligibility criteria;
  • Your trip ends in Australia;
  • You are aged 89 years and under.

Every traveller, including temporary residents of Australia or currently overseas, can check the 'Can I buy a policy' eligibility criteria here.

 

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Have a pre-existing medical condition?

Existing medical conditions and pregnancy in certain circumstances are not automatically covered.

We need you to tell us about any medical or pregnancy conditions that you have had in the 3 years prior to policy issue date, or, for changes in health which includes new medical conditions, the period between the time of policy purchase and the date of departure for your trip.

You can complete a medical screening for your medical condition or pregnancy condition when you apply for cover. If we approve cover for your medical condition or pregnancy condition, you may need to pay an additional premium.

48 Hour Price Guarantee
48 hour 'Price Guarantee'

Get a travel insurance quote, email the quote to yourself and your quote price is locked in for 48 hours.

To buy a policy with the locked in price, simply click the 'Select' button in your quote email and you'll be taken back to your quote on the website to buy your policy. 

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Going on a cruise?

Say YES to 'Going on a cruise?', even in Australian Waters so you'll have cover for cruises. 

If you're going on an inland river cruise only, you can say 'No'.

Read about Cruise Travel Insurance here.

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Skiing or snowboarding?

Say YES to 'Skiing or snowboarding?' & buy a Snow Sports Plus policy for cover if something happens when you go skiing or snowboarding. 

Maximum age for a policy covering snow sports is 69.

Read about Skiing & Snowboarding cover here.

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Doing adventure activities?

Some adventure activities you may do on your trip are covered under our policies, such as bungee jumping or horse riding.

You’ll need the Adventure Pack add-on (maximum age is 74) to be covered for other activities such as abseiling or water skiing. 

Check your holiday activities here.

Am I covered?

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PLEASE read the PDS

The PDS is like a rule book for us and you to follow. PLEASE don't assume you'll just be covered for everything.

PLEASE read our PDS and know what you're covered for and what you're NOT covered for.

We know the PDS is quite long, but we've included everything you have cover for, things you are not covered for, made it simple to read and made sure there's 'no fine print'.

So again, PLEASE READ THE PDS here.

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General Exclusions

You should be aware all policies come with General Exclusions that apply to all benefits, regardless of when you buy your policy. Some of these exclusions include but are not limited to:

  • 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.
  • Your claim arises from or is related to or associated with an actual, likely or threat of a new epidemic or pandemic like COVID-19 (note our policies provide certain cover for COVID-19 under COVID-19 Benefits)
  • Your claim arises from or is in respect of travel booked or undertaken against the advice of any medical practitioner
  • Your claim arises from an event where a Travel Alert for that event was issued by us prior to the issue of your certificate of insurance. Events include (but is not limited to): strike, riot, hijack, civil protest, severe weather, natural disaster or contagious disease.

Please view the General Exclusions stated in the PDS and be aware that these General Exclusions apply to all benefits on the policy and therefore there is no cover under any benefits where these exclusions apply.

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Change in health?

After you buy your policy and before you leave for your trip, contact us as soon as possible if there is a change to your existing medical condition, pregnancy, you develop a new medical condition or find out you are pregnant (and your circumstances meet our pregnancy condition defined under words with special meaning in our PDS), as you will be required to complete another medical screening for the medical condition.

If we approve cover for the medical conditions or pregnancy condition, and you pay the additional premium (if applicable), it will be listed on your Certificate of Insurance as a covered condition. If we are unable to cover the medical condition or pregnancy condition, or you decide that you do not want the cover for them, then you can still purchase a policy, however, they will be listed as an 'excluded condition” on your policy and there will be no cover for any claims arising from those medical or pregnancy conditions.

You may be able to submit a claim for your trip cancellation or rescheduling expenses if you have chosen a policy with the trip cancellation expenses benefit and your trip has not started.

We will not be able to cover the existing medical conditions during your trip if you do not contact us to complete a medical screening.

Buying a policy

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Buy for 2, Save 5%.

If you're travelling with another person (friend, family member, work colleague, partner etc) on the same itinerary for at least 75% of your itinerary, you can buy a duo policy & save yourselves 5% compared to the price of buying 2 single policies.

Get a quote for 2 travellers.

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25 Day Money Back Guarantee

Our policies come with a 25 day cooling off full refund period, which starts from when you buy a policy and you have not started your trip, made a claim or used your policy to obtain a visa.

The 25 day cooling off period does not apply:

  • If your Depart Date is less than 25 days from your purchase date. You have up until your departure to cancel in this case. 
  • To policy extensions.

To cancel your policy & get a full refund:

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Accepted payments

To make it simple for you, we accept:

Policy changes

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Extend your policy

If you've decided to travel longer than you originally planned, you can apply to extend your policy by changing your Return Date subject to conditions listed in the PDS. This may attract an additional charge. 

The maximum combined period that we can offer cover for under our policy is 24 months.

Login to Your Policy to extend your policy.

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Change policy details

You can update your:

  • Traveller details (name & DOB)
  • Contact details (address, phone & email)

Login to 'Your Policy' to update.

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Upgrade your policy

Want to upgrade your policy to Comprehensive or Snow Sports Plus, add-on a pack such as Rental Vehicle or Adventure sports or add another traveller to your policy?

Reducing your risk of the unexpected

Doctor
Visit & follow Dr's orders

6-8 weeks before you depart, especially on a longer trip, it's a good idea to visit your doctor for a check up, have tests done, get vaccinated and get prescriptions and medication for the length of your trip.

You should also get an extra 2 weeks worth in case you extend your travels or lose some of your medication.

When travelling, ensure you follow the doctor's prescription and don't miss taking your medication because of time zones or being in transit.

 

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Eat & drink safely

At home, we don't give tap water, ice and food preparation much thought, but when you've experienced food poisoning, you certainly will. Don't let Bali Belly or food poisoning ruin your holiday:  

  • Eat at reputable, busy and recommended restaurants.
  • Drink bottled water & avoid ice.
  • Brush your teeth with bottled water.
  • Eat peelable fruits such as oranges and bananas rather than ones that would need to be washed like apples.
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Keep your luggage close

Lost or stolen luggage and personal items (mobiles, wallets, sunglasses etc) are a common occurrence when travelling.

  • Always keep your bags in reach and sight at all times.
  • Avoid putting luggage in taxi boots so they can't drive off with it.
  • Make sure you check, double check and triple check you have everything (phones, handbags, jackets, passports, wallets etc) when you leave a restaurant, hotel or mode of transport.

It's a good idea to leave your expensive stuff at home and only take what you need. Do you really need a mobile, tablet, laptop, gaming console, go pro, kindle and camera?

Emergency or visiting a medical centre/hospital

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Emergencies

In an emergency situation, contact our 24/7 Emergency Assistance Team:

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Going to hospital in the USA

If you need to go to a hospital in the USA, call our 24/7 Emergency Assistance hotline immediately so we can help you navigate the USA health system.

Going to a Dr/Medical Centre (i.e. not hospitalised) in the USA and the cost is over AUD$2000? Contact us immediately 24/7.

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Dr, medical centre or hospital visits

Make sure you present your Medicare card & passport before you receive any treatment at Dr’s, medical centres & hospitals in these Reciprocal Health Care Agreement (RHCA) countries:

Belgium, England, Finland, Italy, Malta, Netherlands, New Zealand, Northern Ireland, Norway, Republic of Ireland, Scotland, Slovenia, Sweden and Wales.

There may be some assistance with cover for overseas Dr's visits for essential care for unexpected injury or sickness that cannot  wait until you get home such as fevers or a cold, but there is no cover for routine visits such as a check up or for a contraception prescription.

Make a claim

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Something claimable happens

To help us pay your claim:

  • Get a police/airline/hotel report within 24 hours of the incident
  • Collect receipts and invoices
  • Take photos
  • Make notes whilst it's fresh in your mind
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Make a claim

Did something unexpected happen to you on your trip which you can claim for as listed in the PDS under one of the benefits included on the policy you purchased?

You can make an online claim here.

Please note: The excess listed on your policy is for each claimable incident. 

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Feedback & complaints

If you have any suggestions for Fast Cover or aren't satisfied with your claim, please:

Love Fast Cover

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Refer friends or family

When you buy a policy, you can give a $5 OFF travel insurance voucher to a friend. Better still, when they buy a policy, we'll give you $5 back via the payment used to purchase your policy. Maximum refund is the lesser amount of the value of your policy or $100.ˆ Read more about the Friend Referral Program here.

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Leave a helpful review

If you've liked your experience with Fast Cover, you can leave a public review to help your fellow travellers on any of the below sites:

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Things you need to know

^ Price as at 20/03/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

˜Fast Cover Pty Ltd may receive a commission from Aussie Travel Cover for each referred policy.

ˆ$5 discount applies to standard premiums on referred policies purchased via the shared link. Fast Cover reserves a right to terminate the campaign at anytime. If neither policy is cancelled within the 25-day Cooling Off Period. $5 will be refunded via the payment method used for the purchase of the original policy. Traveller name(s) on referred policy must be different to the original policy. Maximum refund is the lesser amount of the value of your policy or $100. Not to be used in conjunction with any other offer.