Australia Post Travel Insurance Review

Find Australia Post Travel Insurance – Compare Policies From Australia Post

Australia Post travel insurance can protect you from a range of travel related losses. Australia Post provide four travel policies to suit a diverse range of travellers. These policies protect you from costs relating to:

  • Overseas medical expenses
  • Additional expenses
  • Amendment or cancellation
  • and more ....
Continue reading to find out the various benefits and features of these policies or compare policies from providers in our panel by completing the enquiry form below.

Policies available from Australia Post
Brands Product Product Details Apply
Australia Post Travel Insurance International Comprehensive

Unlimited overseas medical expenses cover

Unlimited amendment or cancellation cost cover

$7,500 luggage and personal effects cover

$3,000 car rental excess cover

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Australia Post Travel Insurance International Basic

Unlimited overseas medical expenses cover

Unlimited additional expenses cover

$10,000 accidental death cover

$10,000 disability cover

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Australia Post Travel Insurance Domestic

$4,000 luggage and personal effects cover

$10,000 amendment or cancellation costs cover

$4,000 travel documents cover

$3,000 car rental excess cover

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Australia Post Travel Insurance Annual Multi-Trip

Choose Multi Trip for all policies

Dependent children covered for free

Choose from 30, 45, 60 day journeys

Cover applies in Australia for journeys more than 250km from home

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Australia Post Travel Insurance Company Background

The saying goes that if you can’t afford travel insurance, you can’t afford to travel. Without travel insurance cover in place, unforeseen circumstances and events can leave you significantly out of pocket and with huge debts to pay. Medical and hospital costs can be hugely expensive in foreign countries, as can the cost of medical repatriation back to Australia. Then there’s a host of other risks to consider—cancellation fees and lost deposits, travel delays, missed flights and connections, lost or delayed luggage, the loss or theft of your important travel documents or personal belongings, among many others. Having travel insurance in place guarantees that you are protected financially against all these risks. Australia Post has been around for more than 200 years and is a trusted Australian company. In recent years, Australia Post has begun offering a range of travel insurance policies to Australian travellers. There are policies designed for international and domestic travellers, while those travelling overseas can also select between basic or comprehensive cover to suit their needs and budget. An annual multi-trip policy is available for frequent travellers. Australia Post’s travel insurance policies offer the protection Australian travellers need to get out and see the world. This type of cover offers the peace of mind you need to simply enjoy your holiday without having to worry about how your finances will suffer if the unexpected happens.

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What are the different policies?

Designed for travel within Australia, this policy aims to offer affordable protection for your luggage, car hire and travel plans.

How much is covered?

  • *Accidental Death  – $10,000^
  • *Additional Expenses – $10,000
  • *Amendment or Cancellation – $10,000
  • *Disability – $10,000^
  • *Luggage and Personal Effects – $4,000
  • Personal Liability – $5,000,000
  • Rental Car Insurance Excess – $3,000
  • *Travel Delay  – $1,000
  • Travel Documents – $4,000

Domestic Conditions

*Sub-limits may apply ^ Maximum liability is $10,000
This is a premium policy that provides cover for an extensive range of travel events.

How much is covered?

  • *Accidental Death – $25,000
  • *Additional Expenses – Unlimited
  • *Amendment or Cancellation – Unlimited
  • *Delayed Luggage Allowance – $750
  • *Disability – $25,000
  • Excess Options – $0 or $100
  • *Hospital Incidentals – $5,000
  • *Loss of Income – $10,000
  • *Luggage and Personal Effects – $7,500
  • Theft of money  $250
  • Overseas Medical and Dental Expenses  Unlimited#
  • Personal Liability – $5,000,000
  • Rental Car Insurance Excess – $3,000
  • Resumption of Journey  $3,000
  • Special Events  $5,000
  • *Travel Delay – $2,000
  • Travel Documents – $5,000

Comprehensive Conditions

 # Medical cover ends after 12 months from onset of the injury or illness *Sub-limits may apply.
This is a no-frills policy designed for travellers who are on a budget and only want cover for the essentials.

How much is covered?

  • *Accidental Death – $10,000
  • *Additional Expenses – Unlimited
  • *Disability – $10,000
  • Excess Options – $0 or $100
  • Overseas Medical and Dental Expenses  Unlimited#
  • Personal Liability – $5,000,000

Basic Conditions

 # Medical cover ends after 12 months from onset of the injury or illness *Sub-limits may apply.
This cover option is designed to help frequent travellers save time and money. Rather than cover just one trip, it covers all your trips over a 12-month period. Annual cover is available with all of Australia Post’s policies and is a more cost-effective option if you are taking more than one trip.
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How much do I have to pay?

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:

  • What plan should? It depends where you're going and what you're doing. 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.
  • Does where I'm going affect the price? Some regions of the world are much riskier than others to visit. Travel to such dangerous areas will be reflected in the cost of your premium.
  • How does my age affect the cost of the policy? The older you are, the more likely you are to suffer from illness and have to make a claim. Your premium costs more as a result.
  • Which excess should I choose? You can elect to pay a higher excess in the event that you make a claim, which can let you enjoy a lower premium.
  • Is the length of my trip a factor? The longer your trip is, the more you can expect to pay.
  • I need additional cover, how much more is it going to cost me? You may decide to select extra cover options to increase the level of cover your policy provides. Of course, adding more features to your policy means that you should expect to pay more.
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I have a pre-existing condition, is it covered?

Australia Post cover many pre-existing conditions automatically. Conditions you are automatically covered for include:

  • Acne
  • Allergies
  • Asthma
  • Bowel/breast/colon/kidney/prostate cancer
  • Cataracts and glaucoma
  • Coeliac disease
  • Diabetes or glucose intolerance
  • Ear grommets
  • Epilepsy
  • Gastric reflux
  • Gout
  • Hiatus hernia
  • High cholesterol
  • Hip or knee replacement
  • Hypertension
  • Menopause
  • Peptic or gastric ulcer
  • Skin cancer (excluding melanoma)
  • Under- or over-active thyroid.
While Australia Post 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 the cancer 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'll 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 circumstances that can never be covered including:

  • Back or neck conditions
  • Conditions relating to drugs and alcohol dependency
  • Conditions that you are travelling overseas to receive treatment for
  • If you went 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 happen prior to the 26th week of pregnancy
  • Cover 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
  • you pregnancy was medically assisted, (e.g. IVF).
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I had an accident, how is my claim calculated?

If Australia Post accepts your claim, the exact amount they will pay to 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.

Taking some or all of these factors into consideration will help Australia Post decide how much to pay you.

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What isn't covered by my policy?

There are certain circumstances where your Australia Post Travel Insurance claim will not be paid. These include claims 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 you incur after the date that you had originally planned to return home
  • medical treatment, dental treatment or ambulance transportation which is provided in Australia
  • dental treatment 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 your illness, but that were incurred before a medical practitioner certified you unfit to travel
  • claims arising from 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 cancellation caused by a request of your relative or employer
  • loss or theft which 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 wilful or malicious act
  • air travel other than as a passenger with a commercial airline
  • any unlawful action committed by you.

Australia Post Travel Insurance offers a viable option when you are considering your travel insurance needs. However, make sure to compare a range of policies to ensure that you find the right one for you.

Compare travel insurance policies

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