Can I see a doctor, physiotherapist or chiropractor while I'm on my overseas trip?
If you are unexpectedly sick or injured while overseas, your Fast Cover Travel Insurance policy may provide cover for your medical expenses under the medical expenses related benefits Depending on the expenses that you are claiming for, the medical expenses and related benefits can reimburse you for the reasonable costs of medical treatment you receive while overseas if you become unexpectedly sick or injured, which can include consultations with a doctor, physiotherapist, or chiropractor. Cover is subject to the terms, conditions, exclusions, and limits outlined in the Product Disclosure Statement (PDS).
If you become unexpectedly sick or injured while overseas, you may see a doctor for consultation and treatment. Generally, you will need to pay for the consultation upfront and submit a claim for reimbursement with the necessary supporting documents, including receipts and a detailed medical report for your claim to be reviewed.
If you are unexpectedly injured and require physiotherapy or chiropractic care, you can claim for up to two weeks of treatment. The treatment must be related to a claimable event as listed in the Product Disclosure Statement and confirmed in writing by a medical practitioner. If you need more than two weeks of treatment, you must contact our Emergency Assistance team for approval.
Please note that there are specific situations where medical expenses may not be covered under your policy. It is important that you read the relevant PDS and are aware of the terms and conditions, exclusions, limit and sub limits that may apply. Some examples of situations that are not covered under our policies include but are not limited to:
- Routine medical, dental, physiotherapy, or chiropractic check-ups, even if your medical condition is approved for cover by us following a medical screening
- Elective medical, dental, or cosmetic surgery or for any complications or other claims arising from such procedures or treatments. Even if your medical condition is approved for cover by us following a medical screening. Whether performed overseas or in Australia. This means that if you have elective medical or dental or cosmetic surgery, you would not be able to claim for any medical, cancellation or trip disruption expenses if you experience any direct or indirect complications from the surgery.
- Any medical expenses incurred in Australia
- Medical expenses once you return to Australia, even if the medical issue occurred overseas and we have approved your medical repatriation back to Australia
Eligibility criteria, policy terms, conditions, exclusions, limits and sub limits apply. Consider the PDS prior to deciding on which policy is right for you and your needs.
Any advice is general advice only and does not take into account your individual objectives, financial situation, or needs. Please consider the PDS before making any decisions regarding the purchase of travel insurance.
As each individual’s circumstances are different, we will assess each claim on a case-by-case basis in accordance with your specific circumstances, policy terms, and Certificate of Insurance.