Can I buy a policy?

To be eligible for cover under a Fast Cover travel insurance policy, you must meet the specific requirements based on your residency and the timing of your purchase.

For Australian citizens and permanent residents of Australia, if:

• You currently reside in Australia; and 
• You hold a valid Australian Medicare card beyond the period of your policy; and
• 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; and
• Your trip starts and ends in Australia; and
• You meet any other eligibility criteria we apply in the application process.

For temporary residents of Australia, cover is available 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 remains valid beyond the period of your policy; and
• Your visa remains valid beyond the period of your return; 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 meet any other eligibility criteria we apply in the application process

For travellers already overseas:

• You have been overseas for less than 14 days, or have been insured under a travel insurance policy since you left Australia that is current or has been expired for no more than 14 days; and
• You are an Australian citizen or permanent resident normally residing in Australia. Individuals on an Australian temporary resident visa including those on a working holiday visa or temporary visitors including those on a tourist visa, are not eligible to purchase this policy after departing 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 65 years and under at time of purchase; and
• You declare to us at the time of purchase that you are already overseas; and
• We agree to issue you a policy and specify your status as already overseas in the Certificate of Insurance.

Conditions for Already Overseas policies:

• You cannot purchase a Basics Policy or Frequent Traveller Saver Policy if you are already overseas. 
• Temporary visitors (i.e. on a tourist visa) or individuals on an Australian temporary residence visa including those on a working holiday visa are not eligible to purchase this policy after departing Australia. 
• Policies purchased while you are already overseas are subject to: 
  • A 48-hour no-cover period 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). 
  • A $500 excess for all claims. 

Eligibility criteria, policy terms, conditions, exclusions, limits, and sub-limits apply. Refer to the Product Disclosure Statement (PDS) to determine if the policy suits your needs.

Any advice provided is general in nature and does not take into account your individual objectives, financial situation, or needs. Please consider the PDS before deciding on any travel insurance purchase.