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Accidental Death and Travel Insurance

No one wants to think about dying on a holiday but the reality is anything can happen on your trip, including passing away from an injury suffered on your trip. Your Fast Cover Travel Insurance policy may provide certain cover for accidental death, funeral, cremation and repatriation to bring your remains back to Australia.

Accidental Death and Travel Insurance

Does Travel Insurance Cover Death?

If you die unexpectedly as a result of a sickness or injury sustained during your trip, cover is available under the Fast Cover Travel Insurance Policy under the Overseas 24/7 Emergency Medical Assistance benefit for funeral or cremation overseas and/or bringing your remains back to Australia. If you are injured and die during your trip, cover is available under the Fast Cover Travel Insurance Policy under the Accidental Death benefit. Sub limits and age limits apply under these benefits. 

Any advice is general advice only and does not take into account your individual objectives, financial situation or needs. Keep in mind that each travel insurance policy has eligibility criteria, policy terms, conditions, exclusions and limits that 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.

What Does the Accidental Death Benefit Cover? 

Cover is available under the Accidental Death for payments to be made to your estate if you pass away during your trip if: 

  • You are injured during your trip and 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 Accidental Death benefit limits and sub limits for the different policy types are explained in the table below. 

 

Comprehensive

Snow Sports Plus

Domestic Plus

Frequent Traveller Saver

Benefit limit 69 years of age and under 

$25,000 

$25,000 

 

$25,000 

 

$25,000 

Benefit limit 70-75 years of age 

$25,000 

 

No Cover 

$25,000 

 

$25,000 

 

Benefit limit 76-79 years of age 

$25,000 

 

No Cover 

 

$25,000 

 

No Cover 

Benefit limit 80-89 years of age 

$20,000 

No Cover 

$20,000 

No Cover 

 

Sub limits 

Death of any one Accompanying Dependant: $5,000 

Please note cover under the Accidental Death benefit is not available with the Standard Saver and Basics policies.

What is Not Covered Under the Accidental Death Benefit?

Fast Cover’s Accidental Death benefit does not provide cover for: 

  • Death caused by suicide or for any reason other than caused by injury as defined in the PDS.  
  • Any claims related to COVID-19. 
  • Claims arising from circumstances in which General Exclusions apply under the PDS.

Am I Covered for Funeral, Cremation or Repatriation Overseas?

If you die unexpectedly as a result of an injury or sickness during your trip, cover is available under the Fast Cover Policy under Overseas 24/5 Medical Emergency Medical Assistance benefit  for the reasonable cost of either a funeral or cremation overseas and/or to bring your remains back to Australia. 

It is important to note that funeral services, cremation or bringing your remains back to must first be approved by Fast Cover. 

Cover under the Overseas 24/7 Emergency Medical Assistance benefit is only available under the following policies: 

  • Comprehensive 
  • Standard Saver 
  • Basics 
  • Snow Sports Plus 
  • Frequent Traveller Saver 

Note: 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.

Sub Limits for Funeral, Cremation and Repatriation Overseas

The sub limit for funeral or cremation overseas and/or bringing your remains back to Australia is $20,000 in total for each insured person named in the policy. 

If you have an approved and valid Schengen visa for your trip, the limit for repatriation of your mortal remains from a Schengen listed country or state back to Australia is $60,000.

How Is Injury Defined Under the PDS?  

In our PDS, we have a list of ‘Words with Special Meaning’. This means that in the context of travel insurance these certain words have a specific definition. 

‘Injure’, ‘Injured’ or ‘Injury’ means bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during your period of insurance and does not result from any illness, sickness, disease, or self-harm. 

How Is Injury Date Defined Under the PDS? 

'Injury date' means the earlier of the date: 

  • your medical practitioner reasonably diagnoses as the most likely date of the injury;  
  • our medical practitioner reasonably diagnoses as the most likely date of the injury;  
  • you first became aware of the injury or a reasonable person in the circumstances would have been aware of the injury;  
  • you first received medical treatment for the injury; or 
  • the injury is first diagnosed by a medical practitioner. 

How Is Sickness Defined Under the PDS? 

‘Sick’ or ‘Sickness’ means an illness or disease, that is not an injury. 

FAQs About Accidental Death in Travel Insurance

Depending on the travel insurance policy you take out with Fast Cover, cover is available for the reasonable cost of either a funeral or cremation overseas and/or bringing your remains back to Australia under the Overseas 24/7 Medical Emergency Assistance benefit if you die as a result of an injury or sickness during your holiday. Cover is also available under the Accidental Death benefit for a lump sum payment to your estate if you are injured during your trip and you die because of that injury within 12 months of the injury date.  

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.

The Accidental Death benefit pays a lump sum payment to your estate if: 

  • You pass away during your trip due to an unexpected injury within 12 months of the injury date; or  
  • During your trip, the mode of transport you're 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. 

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.

Below is a summary of the Benefit Limits for Accidental Death depending on your Fast Cover Travel Insurance policy and your age: 

Comprehensive: 

  • Up to age 79: $25,000 
  • Age 80 - 89: $20,000 
  • Age 90 and above: Cover is not available  

Domestic Plus: 

  • Up to age 79: $25,000,  
  • Age 80 - 89: $20,000 
  • Age 90 and above: Cover is not available  

Frequent Traveller Saver:  

  • Up to age 75: $25,000 
  • Age 76 and above: Cover is not available 

Snow Sports Plus:  

  • Up to age 69: $25,000 
  • Age 70 and above: Cover is not available 

Please note cover is not available under the Standard Saver and Basics policies. 

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. 

Your estate would not be eligible for the Accidental Death benefit, as the death must have occurred during your trip. 

Note: 

The Accidental Death Benefit is only available with the Comprehensive, Snow Sports Plus, Frequent Traveller Saver and Domestic Plus policies. 

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

'Permanent disability and permanently disabled' means:

a) total and irrecoverable loss of all your sight in one or both eyes; or total and irrecoverable loss of use and functionality of one or more of your limbs (In respect of this definition, limbs mean an entire hand, an entire foot, the entire limb between the elbow and hand for an arm, or the entire limb between the knee and foot for a leg); and

b) 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.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

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.

 

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^ Price as at 27/10/2024 compared to the price calculated today for this policy.

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