Despite my claim being processed in a swift manner, I was dumbfounded by the settlement I received. For context, whilst holidaying in NZ I sadly received news that my father had passed away. I had to make my way back to Perth in a speedy manner to organise the funeral etc. all in all I was out of pocket about $2000 for the unfortunate experience. Fast forward a month, I had all my documents and receipts in order which I sent off. About a week later I received a settlement of $455. My excess was $200 and the cost for the insurance cover was $100. So Fast Cover paid $255 into my account. After the cost of the insurance I am left with $155. The following is what I received in a letter regarding the settlement: "As your father resides in a nursing home, he did not meet the criteria of the close relative condition. Therefore, the maximum amount we will pay is 25% of the claimed expenses."Let that sink in. Because of my fathers living conditions they refused to pay the full amount. Travel insurance is there to help people in situations which are out of their control. I would consider a parent passing away (despite their living conditions) a significant life event and one that is entirely out of ones control. Untimely is untimely and a persons worth is not based on whether they live at home or in a nursing home. I am utterly disgusted with Fast Cover's lack of moral compass and will be taking this matter up with consumer affairs.
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