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Fast Cover Travel Insurance - Basics (page 4 of 4)
Reviewer Photos & Videos
Justin
- 2 reviews
- Travel Insurance - Basics
- Verified customer
My pick of the bunch.
I'm always travelling and I'm constantly changing travel insurance companies as they tend to become greedy and increase their premiums. This company is the latest I've used and I like it the most of the half dozen I've used over the years. Firstly, it's one of the cheapest. The cheapest was Budget, but if you go through their PDS ( Product Disclosure Statement, or "The Rules") you'll see that it's full of hidden 'trap door' clauses which enable them to get out of paying up. When I went through the reviews it was full of people who had been ripp...Read more
ed off by them. When I contacted them about these 'trap-door' clauses in their PDS, first they started trying to lie and cover it up, then they broke off communication with me.So that's when I went looking for an alternative and found Fast Cover. Their PDS is in plain English and upfront about what they will and won't cover.There is no hidden 'trap-door' clauses. The best thing about them is that if you are unsure how long you will be away you can just take out a short period of insurance and easily extend it via their website while you are away. Even if you extend it monthly for a year, it won't cost you any more than if you had taken out a years worth of cover before you left. Each extension price is proportionalised so it gets cheaper each extension. I also really like their countdown reminders that they send you when your policy is due for extension.This is important because if it expires while you are away you would have to get a whole new policy and new policies taken out while already overseas are more expensive ( some companies don't even allow you to take out a new policy if you are already overseas). I haven't had to make a claim yet but from the reviews and the upfront nature of their PDS ( the rules), I'm not worried about this. There is one complaint I have though. They offer you a 5% discount if you are a returning customer. But when you get on their website there's no easy way to tell them you are a return customer while taking out a new policy. I had to contact them, and they applied the discount, but if I had one complaint it is that they should have a 'return customer' option built into the quote and purchase process on their website. Now just a word of warning on ALL travel insurance companies which I almost learned the hard way. If you take out a long period of insurance, say a year, and then make a visit home during that year, YOU ARE NOT COVERED WHEN YOU RESUME YOUR TRIP UNLESS YOU HAVE TAKEN OUT A MULTI TRIP POLICY. It doesn't matter if you have paid for a year; if you go home at any stage your policy finishes. There are plenty of people out there who are uncovered and don't even realise it. Also, with ALL travel insurance companies, always shop around because the one you used that was cheap and good one year may be expensive and crap the next year. Also, when you are shopping around, look at reviews and look for companies that take the time to respond to negative reviews; it's a sign that they take customer service seriously, like Fast Cover does. And lastly, ALWAYS TAKE THE TIME TO READ THE PDS !!! Fast Cover has an easy to understand PDS and is upfront about their terms, but others like Budget hide things in there which they'll use to not pay up. So in closing, this company has good value for money, has a great website which is easy to use and is full of handy features, their PDS is honest and easy to understand, they allow you to extend your cover while overseas at no extra cost, and they are good at customer service. Bottom line, DON'T JUST GO FOR THE CHEAPEST COMPANY (like Budget). You may save a few bucks, but they may not pay up, leaving you with the bill. Remember, when you buy insurance you are also buying peace of mind, and you won't have peace of mind if you're not sure if your company is going to pay up or not. Last word, DO NOT GO OVERSEAS WITHOUT TRAVEL INSURANCE. I've caught Dengue Fever overseas from one little mosquito bite which turned into a 'life and death' situation and the hospital bill was $70,000 AUD. Lucky I had travel insurance. You NEVER know what is going to happen. Like the old saying goes; "If you can't afford travel insurance, you can't afford to travel".
2 comments
Wow, even better still (about being able to have the cover suspended for a trip home). That's handy to know. I know people who have found themselves un-covered after making a brief trip home then resu... Read more
ming their trip. There aren't too many insurance companies that enable you to make a visit home during the period of cover without it voiding your policy. Good on Fastcover for offering it!Similar opinion? Write a review on ieatwords.com.au!
PatriciaMelbourne
Great Insurance Plans that suit everyone's need
I love how Fastcover have a variety of plans that suits everyone's need! In my case, I did not have to pay for the whole thing that covers a lot of things that I don't need. Hence I got the basics one that automatically includes sport activities which is what I am after.
Policy covers worlwide. And only got it for less than $50
Have not made a claim yet but purchasing it was very quick and easy! Very happy!
Would 100% recommend this to family and friends.
1 comment
Fast Cover T.Fast Cover Travel Insurance
Hi Patricia!
Thank you for your review! We appreciate your feedback :).... Read more
We are very glad that you found our products and service good for you! If you have any questions please don't hesitate to contact us and we would be happy to assist. Don't forget to let us know when you are travelling next so we can add apply your loyalty discount. Have a great holiday! Kind regards, MargrettaSimilar opinion? Write a review on ieatwords.com.au!
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Fast Cover T.Fast Cover Travel Insurance
Hi Justin, thanks for taking the time to leave us your review - we really appreciate it!
You are absolutely right - having that peace of mind when travelling is so important. I'm glad you've found o... Read more
ur website easy to use and our PDS easy to understand. We know that most people don't read the terms and conditions of most products so we've worked really hard to make our PDS easy to understand to encourage travellers like yourself to read up on the product that you have just purchased. Travel insurance can be tricky so it's important to know what is covered and what is not.