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Luzon, The Philippines Earthquake 22 April 2019

Important travel insurance information for Fast Cover Travellers regarding the recent earthquake in Luzon, The Philippines on 22 April 2019.

Luzon, The Philippines Earthquake 22 April 2019

Information about Luzon, The Philippines Earthquake 

22/04/2019

This advice applies to Customers who are affected by the 6.1 magnitude earthquake which occurred on Luzon, Philippines at 5:11pm local time on 22/04/2019 (7:11pm AEST)

If you are in The Philippines and need emergency assistance call us on +61 2 8320 7999 or email us at emergency@fastcover-assist.com.au

Media reports are advising that 8 people have died, and 20 people have been injured in the earthquake following the collapse of a commercial building.

The earthquake has caused disruption to air, rail and road transport and caused damage to buildings and infrastructure.

DFAT have not issued a warning at this time. Please stay up to date with the advice issued by DFAT at https://smartraveller.gov.au/Countries/asia/south-east/Pages/philippines.aspx

 

Australian Government Advice

The Department of Foreign Affairs and Trade (DFAT) is advising travellers to exercise a high degree of caution in the Philippines. Higher levels apply in some parts of the country.

Avoid the area and follow the instructions of local authorities (government, police, military, etc.) and keep an eye on local media (TV, radio, newspapers, etc.) for updates.

Please visit the Smart Traveller website to stay up to date with the latest advice issued by DFAT.

 

Do you need Emergency Help?

If you need emergency help, contact our Worldwide Emergency Assistance team.

The Australian Government also offers 24-Hour Consular Assistance for travellers overseas:

  • Phone: +61 2 6261 3305
  • SMS: +61 421 269 080

 

 


IF your Policy was purchased
BEFORE the 21st May 2017
IF your Policy Number starts with
FST
THEN your Policy is Underwritten by
See below
IF your Policy was purchased
ON OR AFTER the 21st May 2017
IF your Policy Number starts with
FCH
THEN your Policy is Underwritten by
See below

Important travel insurance information for Fast Cover policies underwritten by Allianz.

 

If you need assistance or advice, contact our 24 hour Emergency Global Assistance team on the numbers listed on our website or on your certificate of insurance.

Select from the options below to find the information for your current situation:

I’m already overseas, what do I do?

▼
▲

If you purchased your travel insurance policy before the above time and date and your travel plans are affected by the event, follow these steps.

Steps to follow if you are already overseas:

  1. Your wellbeing should be your first priority.
        - Stay safe.
        - Follow the direction of local authorities and media.
        - Contact us immediately if you need medical assistance or advice.
  2. Contact your travel agent or travel provider (airline, cruise line, hotel, tour company, etc.) and ask about amending your trip route, transport or dates. Some travel providers may amend your trip free of charge under these circumstances.
  3. Keep receipts and any other supporting documentation (boarding passes, booking confirmations, itineraries, etc.) that may be required for your claim.
  4. Visit our Claims page for more information about submitting your claim.

I’ve already purchased travel insurance but haven’t left home yet.

▼
▲

If you purchased your policy before the above time and date and your prepaid travel arrangements (flights, cruise, accommodation or tours) are affected by the event, you may be able to claim for the expenses involved in cancelling or rearranging your travel plans.

Steps to follow if you have not left home:

  1. Contact your travel agent or travel provider (airline, cruise line, hotel, tour guide, etc.) and ask if you can reschedule your trip dates, destination, accommodation, route or transport.
  2. Gather your receipts and any other supporting documentation (booking confirmations, tickets, itineraries, etc.) that may be required for your claim.
  3. Visit the Claims page on our website to submit a claim online or contact the claims team on 1300 409 322 if you need help or advice.

I purchased travel insurance AFTER the above time & date.

▼
▲

After this time and date, we would expect that any policy was purchased with an awareness of the event.

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 this time and date.

Steps to follow:

  1. If you have not yet departed and wish to postpone your trip, contact us to discuss changing your travel insurance policy dates.
  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.

I haven’t purchased travel insurance yet.

▼
▲

After the time and date above, we would expect that any policy was purchased with an awareness of the event.

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 this time and date.

Steps to follow:

  1. If you have not yet departed and wish to postpone your trip, contact us to discuss changing your travel insurance policy dates.
  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.

How do I make a claim?

If you need to make a claim, you can submit your claim in one of several ways:

  • Online: Submit your claim online at www.travelclaims.com.au
  • Phone: 1300 725 154
  • Email: travelclaims@allianz-assistance.com.au

All claims are assessed individually in accordance with the Product Disclosure Statement and your Certificate of Insurance.

Any updated travel insurance advisories will be published on the Allianz website: www.allianzworldwidepartners.com.au

Questions?

If you have any questions or need help with your travel insurance, please:

Useful Links for Travellers

For regular updates, download the Smartraveller app and register your travel itinerary with Smart Traveller.

For new or existing claim or policy enquiries, please contact us on 1300 409 322 or info@fastcover.com.au between 9am and 6pm (AEST) Monday to Friday.

Important travel insurance information for Fast Cover policies underwritten by Hollard.

The below information was issued on 23rd April 2019 and applies to Fast Cover travel insurance policies underwritten by Hollard.

If you need assistance or advice, contact our 24 hour Emergency Assistance team on the numbers listed on our website or on your certificate of insurance.

DFAT are advising travellers to avoid the area and follow local instructions. Please stay up to date with the advice issued on the Smart Traveller website.

Select from the options below to find the information for your current situation:

Policy Coverage

The below information was issued on 23rd April 2019 and applies to your travel insurance policy with Fast Cover, underwritten by Hollard.

For policies issued prior to 07:11pm AEST 22 April 2019 there is provision for cover as set out below under ‘How does this affect me?’

For policies issued after 7:11pm AEST 22 April 2019 there is no cover for any claims arising from this event.

How does this affect me?

There is provision for cover under the following benefits of the policy subject to the policy terms and conditions, limits, Benefit exclusions and General Exclusions:

  • Benefit 5 – Trip Cancellation Expenses.
  • Benefit 6 – Trip Disruption Expenses
  • Benefit 16 – Travel Delay Expenses
  • Benefit 17 – Alternative Transport Expenses

Note there is no cover for the above benefits unless your travel has been directly affected by the earthquake.

TIPS:

  • If you are claiming additional expenses, make sure you keep a copy of all your receipts.
  • If your travel was cancelled or delayed by a transport provider, you may be able to claim some of your meal and accommodation costs through them. Please check the terms and conditions of your transport provider’s ticket, and keep a copy of all their communication with you.
  • The Fast Cover PDS gives you all the information you need to make a travel claim. You can find a copy of the PDS at www.fastcover.com.au/pds

I’m already overseas, what do I do?

▼
▲

If you purchased your travel insurance policy before the above time and date and your travel plans are affected by the event, follow these steps.

Steps to follow if you are already overseas:

  1. Your wellbeing should be your first priority.
        - Stay safe.
        - Follow the direction of local authorities and media.
        - Contact us immediately if you need medical assistance or advice.
  2. Contact your travel agent or travel provider (airline, cruise line, hotel, tour company, etc.) and ask about amending your trip route, transport or dates. Some travel providers may amend your trip free of charge under these circumstances.
  3. Keep receipts and any other supporting documentation (boarding passes, booking confirmations, itineraries, etc.) that may be required for your claim.
  4. Visit our Claims page for more information about submitting your claim.

I’ve already purchased travel insurance but haven’t left home yet.

▼
▲

If you purchased your policy before the above time and date and your prepaid travel arrangements (flights, cruise, accommodation or tours) are affected by the event, you may be able to claim for the expenses involved in cancelling or rearranging your travel plans.

Steps to follow if you have not left home:

  1. Contact your travel agent or travel provider (airline, cruise line, hotel, tour guide, etc.) and ask if you can reschedule your trip dates, destination, accommodation, route or transport.
  2. Gather your receipts and any other supporting documentation (booking confirmations, tickets, itineraries, etc.) that may be required for your claim.
  3. Visit the Claims page on our website to submit a claim online or contact the claims team on 1300 409 322 if you need help or advice.

I purchased travel insurance AFTER the above time & date.

▼
▲

After this time and date, we would expect that any policy was purchased with an awareness of the event.

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 this time and date.

Steps to follow:

  1. If you have not yet departed and wish to postpone your trip, contact us to discuss changing your travel insurance policy dates.
  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.

I haven’t purchased travel insurance yet.

▼
▲

After the time and date above, we would expect that any policy was purchased with an awareness of the event.

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 this time and date.

Steps to follow:

  1. If you have not yet departed and wish to postpone your trip, contact us to discuss changing your travel insurance policy dates.
  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.

How do I make a claim?

If you don’t need emergency assistance, you can make a claim online at fastcover.com.au/claims,  or when you get back home. Contact us at claims-fch@fastcover.com.au or on 1300 409 322.

Remember:

  • Take reasonable steps to minimise your claim. Contact your airline or Travel provider for assistance if you need to rearrange your travel plans.
  • Keep your receipts and any other supporting documentation e.g. travel provider cancellation letters. If you are claiming for additional meal, accommodation, and travel costs, please ensure you retain copies of all of your expense receipts.

Policy benefits and exclusions for terrorism-related events

Please note that there are there are some General Exclusions for claims that arise from or are related to a threat or act of terrorism.

See the table below for further details:

 

fast cover green tick symbol Benefits Covered*
red x cross symbol Benefits NOT Covered (Exclusions)*
  • 24/7 Emergency Medical Assistance
  • Overseas Emergency Medical and Hospital Expenses
  • Overseas Emergency Evacuation
  • Trip Disruption Expenses
  • Trip Resumption Expenses whilst overseas
  • Luggage and Personal Effects
  • Delay of Luggage and Personal Effects
  • Loss of Income
  • Permanent Disability
  • Accidental Death
  • Trip Cancellation Expenses
  • Travel Delay Expenses
  • Alternative Transport Expenses

 

*Limits, conditions and exclusions may apply under your policy. Please refer to your Certificate of Insurance and the Product Disclosure Statement for more information about each benefit and any conditions which may apply.

General Advice

For details about what your policy covers, please refer to your Product Disclosure Statement. Limits, conditions and exclusions may apply under your policy.

We will assess all claims in accordance with your Product Disclosure Statement (PDS) and your Certificate of Insurance. Your cover will depend on the type of plan you purchased and your particular circumstances.

Questions?

If you have any questions or need help with your travel insurance, please:

Useful Links for Travellers

For regular updates, download the Smartraveller app and register your travel itinerary with Smart Traveller.

For new or existing claim or policy enquiries, please contact us on 1300 409 322 or info@fastcover.com.au between 9am and 6pm (AEST) Monday to Friday.

 

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