Fast Cover’s travel insurance policies can provide cover for many pre-existing medical conditions, including pregnancy.
If you wish to apply for cover for any pre-existing conditions, you must complete a medical screening by declaring all your pre-existing medical conditions and whether you’re pregnant when you apply to purchase your policy, and changes to your health or pregnancy up until you depart for your trip. Approval of your pre-existing medical conditions, pregnancy or changes to your health will depend on your personal circumstances. Fast Cover may even cover your pre-existing medical condition, pregnancy or change in health for no additional premium. Read the PDS for the terms, conditions, limits, sub-limits and exclusions that apply.
For basic policies, cover begins on the departure date you listed on your Certificate of Insurance. Frequent traveller policies cover trip cancellation expenses from the start date of your policy (which you choose on policy purchase), while all other policy inclusions begin on the departure date.
All other policies, including the comprehensive, standard, domestic and snow sports levels of cover offer cover for trip cancellation expenses from the policy issue date, while all other benefits begin on the date of departure, as listed on your Certificate of Insurance. For already overseas policies, cover will begin 48 hours after your travel insurance policy is issued.
You’ll need to fill out a claim form, which you can do on their website and submit it online or by printing it to send back via email or post. You’ll typically need to include supporting evidence like medical reports, receipts, photos and police statements (if applicable). In an emergency, you should contact the relevant emergency services and, if needed, Fast Cover’s 24/7 emergency line on (02) 8320 7999 (if you’re in Australia) or +61 2 8320 7999 (if you’re overseas).
Your policy excess is the amount you must pay towards any claims you make. The standard excess for Fast Cover policies is $200; however, your excess amount may vary if you’re already overseas. You may also be able to reduce your excess by increasing your premium.
Hire car excess (also known as rental vehicle excess) is available as an optional extra for all overseas policies, except for basic cover. For Fast Cover’s domestic policies, hire car excess is automatically included.
Whether you’re exclusively a passenger cruising the ocean waters in style or combining it with sight-seeing on land, you can select a Fast Cover cruise policy. It includes the same benefits as non-cruise journeys plus medical, transfer and repatriation expenses should something go wrong at sea. You’ll need to select the cruise cover option at policy purchase and pay an additional premium (except if you’re travelling on a river cruise ship, a day cruise in Australian/New Zealand/South Pacific waters or less than four nights in Asia, Europe or worldwide regions).