Qualifying for Travel Insurance

Travel insurance policies are here to cover you for the unexpected. There are some qualifiers to taking out a policy with us. Read below to find out more.

Qualifying for Travel Insurance

Do I qualify for Travel Insurance?

When taking out Travel Insurance, it is important that you adhere to the prerequisites in the Product Disclosure Statement (PDS).

Our PDS states there are 11 things that you need to know before taking out a policy with us. As Travel Insurance is here to cover you in case of the unforeseen and the unexpected, we issue policies with benefits, inclusions and exclusions.

Some qualifiers include:

  • Your residential status
  • Your age
  • Where you are travelling to
  • Pre-existing medical conditions
  • Failure to comply with Your Duty to take reasonable care not to make a Misrepresentation

Cover is only available if you fulfill the below requirements:

  • You currently reside in Australia
  • You hold a valid Australian Medicare card (if you are a temporary visitor, then you must be covered in Australia by a private health insurance policy that satisfies the Australian government health insurance requirements for your visa type);
  • You purchase your policy before you commence your trip or you satisfy all of the requirements for purchasing a policy while you are already overseas;
  • For temporary visitors, your visa remains valid beyond the period of your return; and
  • Your trip starts and ends in Australia; and
  • You are aged 89 years and under.

For temporary residents of Australia, cover is available, however, only if:

  • 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; and
  • You have a home in Australia to which you intend to return; and
  • Your trip starts and ends in Australia; and
  • You hold a return ticket to Australia; and
  • You are aged 89 years and under.

For all travellers on this policy:

  • In the event of a medical repatriation from overseas, we will return you to Australia.
  • Medical expenses incurred once you have returned to Australia are not covered on this policy.
  • It is therefore important that you ensure you have access to long term medical care in Australia

Can I still get Travel Insurance if I’m Already Overseas?

If you have left Australia without a policy with us but are still insured by another travel insurance company, we have a policy to suit your needs. This means you are able to take out a policy with us even if you have already left the country. The prerequisites to take an Already Overseas policy are:

You have:

  • been overseas for less than 14 days, or
  • have been insured under a travel insurance policy since you left Australia that has been expired for no more than 14 days; and
    • You are an Australian citizen or resident normally residing in Australia; and
    • You hold a valid Australian Medicare card; and
    • You have a home to which you intend to return; and
    • Your trip ends in Australia; and
    • You are aged 74 years and under at time of purchase; and
    • You advise us at the time of purchase that you are already overseas (this will be noted on your Certificate of Insurance).

You cannot purchase a Basics or Frequent Traveller Saver Policy if you are already overseas.

If you do purchase a policy while you are overseas, there are some conditions that apply. Policies purchased while you are already overseas are subject to a:

  • 48-hour no-cover period, which applies to all benefits (there is no cover under any section of the policy for any event that arises within the first 48 hours of purchasing your policy).
  • $500 fixed, non-reducible excess for all claims.

Does a Pre-existing Medical Condition count as a qualifier for Travel Insurance?

Another requirement is Pre-existing medical conditions. Whether you have had this from birth or years after, we consider a Pre-existing medical condition any condition that had occurred at any point in your life. This will also apply to your dependents who are travelling with you. If either of you travelling on a policy has the following, it would be considered a ‘Pre-existing Medical Condition:

  • You have been diagnosed with, or
  • You have taken or take medication for, or
  • You have seen a medical practitioner (GP, physiotherapist, nutritionist, etc.), or
  • You had an operation/procedure, or
  • You had a test for (xray, blood test, scan, etc.), or
  • You have received or currently receive any form of treatment.

Travel insurance policies provide cover for unexpected sudden illnesses or injuries. Our travel insurance includes cover for 43 pre-existing medical conditions, but only if you:

  • Have not been hospitalised for that condition in the past 24 months; and
  • Your medications for the condition have remained unchanged for the past 6 months.

Another thing to remember…

If we find that you are not an Australia resident or not on the Visa specified, then we can cancel the policy at our discretion. If we don’t believe you have been forthright with the information that you have given, we can also choose to deny your claim and void your policy.

If you are unsure about whether you qualify, please give us a call on 1300 409 322 or email us on enquiries@fastcover.com.au and our friendly Customer Service Specialists will be happy to help. Always read the Product Disclosure Statement to ensure you understand your duties and the product you are purchasing. Please also check with us for any travel  alerts before you travel.

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Fast Cover - Margretta

About the author

Margretta is a content writer at Fast Cover. Having a background in Design and Fashion, Mags uses her unique flair to educate customers on travel and insurance. You can trust her. She's a 'writer'.

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