Can I buy a policy?

Cover is only available if:

  • 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 travellers already overseas:

You can purchase our Standard Saver, Comprehensive and Snow Sport Plus policies if you are already overseas, provided you meet all of the following requirements: 

  • 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 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). 

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. 

Note:

  • 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.
  • If you are not an Australian resident or do not satisfy the above conditions, you cannot buy a Travel Insurance policy. If you do, it will be INVALID. Please contact our affiliate Aussie Travel Cover* on 02 9998 7854 and they may be able to offer you a non-Australian resident travel insurance policy.

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

*Fast Cover Pty Ltd receives a commission from Aussie Travel Cover for each referred policy.

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