Compare policies from Australia Post to find the travel insurance cover that's right for you.
Australia Post Travel Insurance can protect you from a wide range of travel-related risks. Australia Post provides four travel insurance policies to suit a diverse range of travellers. These policies can protect you from costs relating to:
Read on to find out whether one of Australia Post's Travel Insurance policies is right for you.
Policies available from Australia Post
What are the different policy options?
How much is covered?
How much is covered?
How much is covered?
How much does it cost?
Just like with most other forms of insurance, there are a number of factors that will influence exactly how much your Australia Post Travel Insurance policy will cost. These include:
- The plan you choose. A comprehensive international policy provides broader coverage than a basic policy, so it costs more. You have to decide whether the short-term saving is worth the potential risk.
- Where you are travelling to. Some regions of the world are much riskier than others to visit. Travelling to dangerous areas will be reflected in the cost of your premium.
- Your age. The older you are, the more likely you are to suffer from illness and to have to make a claim. Your premium costs more as a result.
- The excess you choose. You can elect to pay a higher excess in the event of a claim, in exchange for a lower premium.
- The length of your trip. The longer your trip is, the more you can expect to pay.
- Additional cover. You may decide to select extra cover options to increase your level of cover. Of course, adding additional features to your policy means that you should expect to pay more.
I have a pre-existing condition. Is it covered?
Australia Post covers many pre-existing conditions automatically, including:While Australia Post Travel Insurance covers all of these conditions automatically, it is important to consult the PDS and read the conditions of cover. For example, you are covered for bowel/breast/colon/kidney/prostate cancer, provided you were diagnosed with the cancer more than six months ago and it has not spread in the last six months.
What if my condition isn't listed?
If your condition is not listed above, you will need to go to the Australia Post Travel Insurance website and complete an online medical assessment. Note: if you have ever been diagnosed with a heart condition, experienced reduced immunity, or have a lung condition (not including asthma), you must complete a medical assessment form if you're heading to Africa or the Americas.
What conditions are not covered?
Australia Post Travel Insurance also has a list of conditions and circumstances that won't be covered, including:
- Back or neck conditions
- Conditions relating to drugs and alcohol dependency
- Conditions that you are travelling overseas to receive treatment for
- Travelling against the advice of a doctor or medical professional
I'm pregnant, can I get cover?
Yes. If you're pregnant you can get Australia Post Travel Insurance. However, these restrictions apply to all pregnancies:
- Cover is only provided for complications that occur prior to the 26th week of pregnancy
- Cover is not provided for childbirth or the health of the newborn, regardless of the stage of pregnancy
You will need to complete a medical assessment if either:
- You have experienced complications with any pregnancy including this one
- Your pregnancy was medically assisted (eg, IVF)
I had an accident. How is my claim calculated?
If Australia Post accepts your claim, the exact amount they will pay you will be influenced by a number of factors. These often include:
- The amount of the loss, damage or liability in question
- The excess that applies to your policy
- The maximum benefit limits and sub-limits that apply to your policy
- Reasonable depreciation
- The terms and conditions that apply to your policy
What isn't covered by my policy?
There are certain circumstances in which your Australia Post Travel Insurance claim will not be paid. These include claims that arise as a result of:
- The insolvency of any travel agent, tour wholesaler, tour operator or booking agent
- War, terrorism, rebellion, insurrection or civil uprising
- Accommodation expenses that you incur after the date that you had originally planned to return home
- Any medical treatment, dental treatment or ambulance transportation that is provided in Australia
- Dental issues caused by the deterioration or decay of teeth or associated tissue
- The continuation of treatment started prior to your journey
- Any additional hotel or accommodation expenses incurred as a result of an illness, but that were incurred before a medical practitioner certified you as being unfit to travel
- Avian influenza
- Cancellations, delays or rescheduling caused by transport providers (other than strikes)
- Your decision to change plans
- Any contractual or business obligation
- The failure of your travel agent to pass on money to travel operators
- Trip cancellations caused by the request of your relative or employer
- Loss or theft that is not reported to the police or the responsible transport provider within 24 hours
- Items left unattended in motor vehicles
- Items left unattended in a public place
- Sporting equipment while in use
- Damage or theft arising from the operation of a rental car in violation of your rental agreement
- Damage to a rental car while it is being driven on an unsealed surface
- Your liability to someone you are related to or someone you employ
- Liability arising out of any willful or malicious act
- Air travel other than as a passenger of a commercial airline
- Any unlawful action committed by you
Australia Post is a viable option for travellers considering their travel insurance needs. However, make sure you compare a range of available policies to ensure that you find the right one for you.