Accidental Death and Travel Insurance

If you pass away during your trip, your travel insurance may provide benefits such as: 

• A lump sum payment under the Accidental Death benefit, if the conditions in the PDS are satisfied. 
• Cover for the repatriation of your remains to Australia, or funeral expenses overseas, up to the limits in your policy. 

The exact benefit will depend on the policy you hold and the circumstances of your death, as outlined in the PDS. Deaths caused by illness or excluded events are usually not covered under the Accidental Death benefit. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

The Accidental Death Benefit provides a lump sum payment to your estate if you die as a direct result of a covered circumstances as listed in our PDS during your trip or you die because of that injury within 12 months of the injury date; or 

During your trip, the mode of transport you are travelling on disappears, sinks or crashes and you are presumed dead, and your body is not found within 12 months. However, any such payment shall be refunded to us if it is later demonstrated that you did not die as a result of the event. 

.The benefit amount payable depends on the type of policy you hold and the limits outlined in the PDS. This cover is designed to provide financial support to your family or estate in the event of an unexpected, fatal accident during your trip. 

It’s important to note that this benefit only applies to accidents, it does not apply to deaths caused by illness, existing medical conditions, or excluded activities. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

The maximum cover for Accidental Death depends on your policy type and age: 

• Comprehensive: $25,000 (to age 79), $20,000 (ages 80–89), no cover (90+) 
• Domestic Plus: $25,000 (to age 79), $20,000 (ages 80–89), no cover (90+) 
• Frequent Traveller Saver: $25,000 (to age 75), no cover (76+) 
• Snow Sports Plus: $25,000 (to age 69), no cover (70+) 
• Standard Saver: No cover 
• Basics: No cover 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

No, the Accidental Death benefit only applies if you die as the direct result of an injury that occurs during your trip. If you pass away before your journey begins, this benefit is not payable. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

The Permanent Disability benefit provides a lump sum payment if you are injured due to circumstances listed in our PDS, during your overseas trip and, as a direct result of that injury, within 12 months of the injury date, you suffer: 

• Permanent loss of sight in one or both eyes, or 
• Permanent loss of use of one or more limbs. 

and in the opinion of an appropriate medical practitioner specialising in the relevant field, with medical evidence, that the loss will last for at least 12 consecutive months from the Injury date, and that the loss will continue indefinitely without any hope of improvement. 

The benefit amount payable will depend on the level of cover in your policy and is outlined in the Benefit Limits section of the PDS. This cover is designed to provide financial support for serious, life-changing injuries that occur during your trip. We may at our option, engage an appropriate medical practitioner specialising in the relevant field (at our expense) to examine you and assess your circumstances, to provide their opinion and to confirm if you are permanently disabled due to an Injury. 

It’s important to note that cover only applies if the disability results from an unexpected and sudden accident during your overseas trip, and not from illness or existing medical conditions. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel. 

Cover is available under the Fast Cover’s Basics policy for the reasonable cost of either a funeral or cremation overseas and/or of bringing your remains back to Australia (repatriation) if you die as a result of an injury or a sickness during your trip overseas under the Overseas 24/7 Emergency Medical Assistance benefit.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.  

As each individual’s circumstances are different, we will assess each claim on a case-by-case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.

If Fast Cover’s Emergency Assistance team deem it necessary, they will organise for you to be repatriated back to Australia only.  

Eligibility criteria, policy terms, conditions, exclusions and limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.  

As each individual’s circumstances are different, we will assess each claim on a case-by-case basis and in accordance with your specific circumstances, policy terms and Certificate of Insurance.