How long am I covered for?

The period of coverage under your Fast Cover Travel Insurance is specified in your Certificate of Insurance and varies depending on the type of policy you have purchased and the duration of your trip. 

Cover Period for Policies Purchased Before You Depart Australia: 

For Comprehensive, Snow Sports Plus, Standard Saver, and Domestic Plus Policies: 

• The cover for Benefit 5: Trip Cancellation Expenses begins from the time the policy is issued. 
• Cover for all other benefits begins on the departure date specified on your Certificate of Insurance. 

For Basics Policies: 

• Cover for all benefits begins on the date of departure as stated on your Certificate of Insurance. 
• There is no Trip Cancellation Expenses coverage before the departure date under a Basics policy. 

For Frequent Traveller Saver Policies: 

• The cover for Benefit 5: Trip Cancellation Expenses begins from the start date specified on your Certificate of Insurance. 
• Cover for all other benefits begins on the date of departure for each trip. 

Cover Period for Policies Purchased while already Overseas: 

• There is no cover under any benefit for the first 48 hours from the time the policy is issued. This is known as your "no-cover period." This means there is no cover arising from events that happen within the 48 hour no-cover period for all benefits under the policy, , except under: 
• Benefit 27: COVID-19 Overseas Emergency Medical, Hospital, and Medical Evacuation Expenses, where there isa a 72 hour no-cover period from the time the policy is issued; and 
• Benefit 28: COVID-19 Trip Cancellation and Disruption, where there isa a 72 hour no-cover period from the time the policy is issued. 
• Coverage for all benefits begins immediately following the no-cover period and continues until the return date specified on your Certificate of Insurance. 

For All Policies: 

• Cover ends on the date of return set out on your Certificate of Insurance or when the policy otherwise ends in accordance with its terms, whichever happens first. 
• The state listed on your Certificate of Insurance determines the time zone used to determine your policy's purchase date, departure date, and end date. 
• If you return home early for any reason: 
• Coverage is suspended from the time you return home until you leave home to continue your trip. 
• You must have at least 14 days remaining of the period of insurance as noted on your Certificate of Insurance to resume your trip. 
• Following the resumption of your trip, your policy will remain valid until the end date shown on your Certificate of Insurance or your permanent return home, whichever comes first. 
• Fast Cover will not pay any costs for your return to Australia unless the costs are covered by your policy. 

It is important to review the Product Disclosure Statement before making any decisions to ensure the policy is suitable for your needs.  

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.