What happens to my policy if my return home is delayed?

The following is general advice only and does not take into account your individual needs, objectives or financial situation. Consider the PDS prior to deciding whether this policy is appropriate for you and your trip.

The following information applies to policies purchased from 30th October 2023 onwards. For policies purchased prior to 30th October 2023: you can find the PDS relevant to you in your policy confirmation email, by logging into MyPolicy, or you can contact us for assistance.


Where your trip is necessarily extended due to an event that entitles you to make a claim under this policy, we will extend your cover free of charge until you are able to travel home by the quickest and most direct route or for a period of six (6) months, whichever happens first.

For example: You have been injured in an accident overseas and your doctor has advised that you cannot return home on the return as specified on your certificate of insurance.

Where your trip is necessarily extended for a reason for which you are NOT able to make a claim under your policy, you should contact us before your policy expires, to extend your policy.

For example: You wish to remain overseas past the return date as specified on your policy.

Unless approved by us, cover will not be extended: 

  • For any new medical condition you suffered during the term of your existing policy or change to any medical condition which is listed on your certificate of insurance as a covered medical condition, or pregnancy condition, if we reasonably determine that you should return to Australia for treatment (based on the information that is available to us at the time) and you do not agree to do so, or; 
  • For any new medical condition you suffered during the term of your existing policy or change to any medical condition which is listed on your certificate of insurance as a covered medical condition, or pregnancy condition, unless:  
  • you agree to take a further screening process, we agree to provide cover and you pay the additional premium (if applicable), and; 
  • you agree that any ongoing medical treatment/advice, medication, test, investigation and or related expense beyond the original return date that you or a reasonable person is aware of, will not be covered as listed in General Exclusion 22 (e) in our PDS, 
  • Where you have not advised us of any circumstances that have given (or may give) rise to a claim under your original policy; or 
  • Where at the time of extension you are aged 90 years or over. 
  • Where we have agreed to extend cover, we will issue you with a new certificate of insurance. The period of insurance on your original certificate of insurance and your new certificate of insurance cannot exceed a maximum combined period of 24 months.

Please contact us (see below) to notify us of the event and extension:

Website www.fastcover.com.au/your-policy
Email info@fastcover.com.au
Call us from Australia 1300 409 322 (9am to 5pm Sydney time weekdays)
Call us from overseas +61 2 8215 7239