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The following policy benefit exclusions may be relevant to you, depending on your particular circumstances:  

Benefit 5: Trip Cancellation Expenses 

We will not pay 

As a result of cancellation, delays or rescheduling by a bus line, airline, shipping line or rail authority unless it is due to a strike, riot, hijack, civil protest, severe weather or Natural disaster. 

Benefit 6: Trip Disruption Expenses 

We will not pay 

As a result of cancellation, delays or rescheduling by a bus line, airline, shipping line or rail authority unless it is due to a strike, riot, hijack, civil protest, severe weather or Natural Disaster. 

The following policy benefit(s) may be relevant to you, depending on your particular circumstances: 

Benefit 16: Travel Delay Expenses 

This benefit reimburses You for additional expenses You incur, because Your pre-booked Carrier is cancelled and rescheduled, or delayed due to circumstances as explained below. 

We will pay  

Up to the limits set out in the Benefit Summary above, to reimburse up to $200 for each traveller (excluding Dependants travelling with their parents or grandparents on Single or Family Policies) listed on the Certificate of insurance for the reasonable additional meals and accommodation expenses if Your pre-booked Carrier has been cancelled and rescheduled, or delayed and the rescheduled departure time or delay is for at least 6 hours from the time Your Carrier was scheduled to depart, due to circumstances outside Your control. 

• Up to the limits set out in the Benefit Summary above, to reimburse up to $200 for each traveller (excluding Dependants travelling with their parents or grandparents on Single or Family Policies) listed on the Certificate of insurance for each subsequent full 24-hour period beyond the initial 6-hour delay from the time Your Carrier was scheduled to depart until Your rescheduled departure time. 

• Should you need medical advice or emergency medical assistance, please contact DFAT or alternatively you can also contact our 24/7 Emergency Assistance Team.
• Please follow the advice from local authorities and media.
• If your trip has been disrupted, we recommend getting in touch with your travel agent, airline, accommodation provider etc. They might offer you the flexibility to modify your travel arrangements without any additional costs, or even the possibility of a refund. 

In the event of a claim, we will assess each claim on a case by case basis as everyone’s situation is different. Refer to the PDS for full terms, conditions, exclusions and limits that apply. 

Please note: 

• Should you need medical advice or emergency medical assistance, please contact DFAT or alternatively you can also contact our 24/7 Emergency Assistance Team. 

• Please follow the advice from local authorities and media. 

• If your trip has been disrupted, we recommend getting in touch with your travel agent, airline, accommodation provider etc. They might offer you the flexibility to modify your travel arrangements without any additional costs, or even the possibility of a refund. 

In the event of a claim, we will assess each claim on a case-by-case basis as everyone’s situation is different. Refer to the PDS for full terms, conditions, exclusions and limits that apply. 

The following policy benefit exclusion(s) may be relevant to you, depending on your particular circumstances: 

Benefit 5: Trip Cancellation Expenses 

We will not pay 

As a result of cancellation, delays or rescheduling by a bus line, airline, shipping line or rail authority unless it is due to a strike, riot, hijack, civil protest, severe weather or Natural disaster. 

Please note

• We recommend getting in touch with your travel agent, airline, accommodation provider etc. They might offer you the flexibility to modify your travel arrangements without any additional costs, or even the possibility of a refund. 
• You can contact us via email info@fastcover.com.au or call us on 1300 409 322 to discuss your options with regards to your policy. 

In the event of a claim, we will assess each claim on a case by case basis as everyone’s situation is different. Refer to the PDS for full terms, conditions, exclusions and limits that apply. 

There is no cover under your policy in this situation. 

The following exclusions in our PDS may apply to your situation:  

1) General Exclusion 4 provides as follows:  

 "to the extent permissibly by law we will not pay under any circumstances if:   

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.” 

2) General Exclusion 41 provides that:  

"to the extent permissible by law we will not pay under any circumstances if:   

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."  

3) Benefit 5: Trip Cancellation Expenses provides as follows:  

 “We will not pay  

If you were aware of any reason, before your period of insurance commenced, that causes your trip to be cancelled or re-scheduled.” 

Why we do not provide cover in this situation

Insurance does not cover losses caused by something you were aware of when you purchased your policy. For example, this would be like trying to purchase car insurance after being involved in an accident.

Therefore, we will NOT pay any claim caused by or in any way related to this event if your policy was purchased after the above time and date.

Please note

1. If you have not purchased travel insurance yet, you are still able to, but you need to be aware the policy does not provide cover for any claims related to the event.

2. If you want to change or reschedule your trip, we suggest contacting your travel agent or travel provider (hotel, airline, cruise company, tour company etc) directly for assistance. They may offer to change your trip free of charge or for a small fee.