What should I be aware of before buying a Fast Cover travel insurance policy?

Before purchasing a policy, it’s important to make sure it suits your needs, your personal and financial circumstances, travel plans, and eligibility. Here are some key things to keep in mind: 

• Eligibility requirements – You must meet residency requirements (e.g. being an Australian citizen, permanent resident, or temporary resident with valid health cover) for your policy to be valid. 
• Trip details – Your policy dates should match your planned travel dates, and for most policies, your trip must start and end in Australia. 
• Medical conditions – Existing medical and pregnancy conditions need to be declared during the application process. Cover will depend on the outcome of a medical screening. 
• Policy type – Different policies (Comprehensive, Standard Saver, Basics, Domestic Plus, Snow Sports Plus, or Frequent Traveller Saver) have different benefits and limits, so choose the one that matches your travel style and needs. 
• Add-ons – Extra cover is available for certain activities like skiing, adventure sports, or hiring a rental vehicle. 
• Cover start date – Cancellation cover (for eligible policies) begins from the day the policy is issued, while other benefits start on your departure date. 

Every claim is reviewed individually on a case-by-case basis and will only be paid if it meets the terms, conditions, limits, and exclusions in your policy. Always check the PDS carefully so you know exactly what’s included before you travel.