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Australia Post Travel Insurance

Our verdict: Australia Post Travel Insurance allows you to customise your cover so that it's right for your trip, but its COVID-19 cover might be lacking for some travellers.

Pros

  • This well-known brand offers a strong rate of up to $5,000,000 for personal liability cover. This was only matched by 12 of the insurance companies we reviewed.
  • Australia Post Travel Insurance offers a generous rental car insurance excess of $10,000 on its comprehensive and domestic policies. Most other providers only offer up to $6,000.

Cons

  • If you're after comprehensive COVID-19 cover, you might find these policies lacking. Cancellation and amendment cover is excluded.

Get quote from Australia Post Travel Insurance

1 - 6 of 6
Name Product COVID-19 medical expenses Theft or damage to luggage Rental car excess insurance Standard excess
Australia Post - International Comprehensive
$12,000
$10,000
$250
Australia Post - International Basic
No Cover
No Cover
$250
Australia Post Domestic Annual Multi-Trip Travel Insurance
$6,000
$10,000
$50
Australia Post - International Comprehensive Annual Multi-Trip
$12,000
$10,000
$250
Australia Post Domestic Travel Insurance
$6,000
$10,000
$50
Australia Post - International Basic Annual Multi-Trip
No Cover
No Cover
$250
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Summary of Australia Post International Comprehensive policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesCover Chosen
Luggage and Personal Effects$12,000
Maximum Age Limit99

Table updated December 2023

Best Travel Insurance - Domestic finalist

Australia Post Travel Insurance came second-place in the domestic category. Out of the 23 domestic policies we analysed, it was the cheapest overall and covers rearrangement costs related to COVID, rental car excess insurance and more.

Full list of 2023 winners

How does Australia Post Travel Insurance cover COVID-19?

Australia Post has you covered if you're diagnosed with COVID-19 while on holiday in 2 main categories:

  • Overseas medical and dental costs if you are diagnosed while on your trip
  • Additional accommodation and travel expenses

There are some scenarios that are not covered by Australia Post including mandatory quarantine or isolation and government travel bans. One significant exclusion is cover for amendment or cancellation costs that are caused by or related to COVID-19.

If you need more comprehensive COVID-19 cover, we've compared all the providers that offer cover for COVID-19.

What policies does Australia Post offer?

Australia Post is a widely known Australian brand that also offers customisable travel insurance. To keep things simple, it gives you the choice of 3 plans: International Comprehensive, Basic International and Domestic.

Each policy can be purchased for a single trip, or several trips in the course of a year (Annual Multi-trip).

Travel plane luggage passport

International Comprehensive

Passport

Basic International

Australian Map Icon

Domestic

Hiking

Annual Multi-trip

The insurer of this product is Zurich Australian Insurance Limited. It comes with a cooling-off period of 21 days and choice of standard excess for international plans.

Here's a breakdown of Australia Post Travel Insurance features

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Standard features

These are some of the main insured events that Australia Post may cover you for if something does go wrong on your trip. Some of these inclusions are only available for certain levels of cover (e.g. the comprehensive policy versus the basic policy).

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Optional add-ons

As well as the benefits explained above, you can use the following options to vary your cover where necessary. Generally, these variations will attract an increased premium.

  • Cancellation cover. You can add trip cancellation cover onto your International Comprehensive plan up to a nominated amount. This means you won't be left entirely out of pocket if your trip has to be cancelled due to a coverable illness or misadventure.
  • Cruise cover. Required if you are travelling on a cruise for any or all claims related to cruises.
  • Increase luggage item limits. If you're travelling with expensive items that exceed the limit mentioned in the product disclosure statement (PDS), you might want to consider increasing your luggage cover for that item.
  • Motorcycle/moped riding. Cover if you're planning to ride a motorcycle or moped on your trip as a driver or pillion. Along with cover, there are other conditions such as needing the appropriate permits, wearing a helmet and the bike having an engine size less than 250cc, just to name a few.
  • Winter sports. Cover if you're hitting the slopes on your trip, specifically for skiing, snowboarding or snowmobiling.

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Exclusions

All insurance plans have their own set of circumstances where you won't be covered. Generally, Australia Post will not pay your claim if it relates to:

  • Participating in hunting, running with the bulls or mountaineering, along with a selection of other high-risk activities
  • Any unlawful act committed by you
  • You travelling against the advice of a medical practitioner
  • Pregnancy complications after the 24th week or when you have experienced complications prior to buying the policy
  • A multiple pregnancy or one where the conception was medically assisted
  • An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
  • Self-inflicted injury or illness, suicide or attempted suicide
  • Your impairment due to you drinking too much alcohol
  • Insolvency of a travel agent, tour operator or accommodation provider

Make sure you review Australia Post's PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.

How to make an Australia Post Travel Insurance claim

You can submit your claim by downloading a claim form online and posting it to the Australia Post Travel Insurance claim team at:

Australia Post Claims
Travel Insurance Partners
PO Box 168
North Sydney NSW 2060

Alternatively, you can submit a claim online by following these steps:

  1. Head to https://claims.travelinsurancepartners.com.au/auspost
  2. Enter your full name and policy number to log in
  3. Describe the incident and provide expenses
  4. Upload any documents to support your claim
  5. Submit, and you should hear back within 10 working days

Here's the bottom line about Australia Post Travel Insurance

Australia Post's travel policies are nothing to sneeze at. You'll find generous limits that rival even our best travel insurance picks, especially if you're looking for comprehensive cover when hiring a car. Its flexible plans allow you to tailor your policy not just with optional add-ons but also your choice of cancellation cover and excess.

Once you look under the bonnet, though, you might find reasons to think twice. Australia Post's COVID-19 cover will cover you for overseas medical expenses and additional accommodation and travel expenses, but if you want cover for cancellation costs or cruise travel, you're out of luck. Pregnant travellers should read the fine print as well, as there are certain exclusions that could mean you're not covered, especially if you're having twins or travelling after your 23rd week of pregnancy.

If you're still not sure about Australia Post, you can compare other travel insurance companies here.

Frequently asked questions

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More guides on Finder

  • Australia Post travel insurance promo code and deals

    Australia Post offers a variety of financial products, including three travel insurance policies for Australian residents travelling locally or abroad. Customers can apply for and claim from policies online.

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14 Responses

    Default Gravatar
    AngelaMarch 14, 2023

    How do I cancel my travel insurance with Australia post

      AvatarFinder
      SarahApril 6, 2023Finder

      hi Angela,

      You’ll need to contact them directly.

      You can reach them on 1300 728 015 Monday to Friday (8am-7pm EST), Saturday (9am-4pm EST) and Sunday (10am-3pm EST).

      Best of luck!

    Default Gravatar
    TrevorMay 29, 2019

    I am 90 years old and in good health, can I get travel insurance with Australia Post?

      AvatarFinder
      CharisseMay 30, 2019Finder

      Hi Trevor,

      Thanks for reaching out to Finder.

      Australia Post offers competitively-priced travel insurance for Seniors (people aged 60 years or over). However, please note that their policy availability is subject to age, the excess, trip duration, area of travel, existing medical conditions and extra cover options.

      Policies may not be available to all travellers and reduced limits may be applied to travellers over 70 years of age.

      You can go directly to their website and request for a quote or you can also call them for further assistance.

      Hope this helps.

      Cheers,
      Charisse

    Default Gravatar
    LorraineNovember 29, 2018

    We are over from UK at sons are we covered if we take out travel insurance to visit Bali.

      AvatarFinder
      JeniDecember 6, 2018Finder

      Hi Lorraine,

      Thank you for getting in touch with Finder.

      The cover depends on which type of travel insurance you get with Australia Post. I suggest that you contact them directly regarding your trip to Bali.

      If you’re still looking around, you may check and compare your Bali travel insurance options. Travellers to Bali are advised to keep themselves updated using the Smartraveller site.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

    Default Gravatar
    JudySeptember 3, 2018

    Do you cover seniors over 75 with pre-existing medical conditions? We are travelling to the Americas not being taken just Europe, cruising to South Africa and flying back to Australia.

      AvatarFinder
      JeniSeptember 3, 2018Finder

      Hi Judy,

      Thank you for getting in touch with Finder.

      Australia Post may be able to offer cover for your medical conditions, however if they cannot, they may be able to offer a standard policy with cover for things other than your medical conditions. You must attempt a quote from their official page before they can know.

      If you are still looking around, you can enter your travel details from our travel insurance for seniors form. The search tools should allow you to compare policies from more than 20 Australian brands.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

    Default Gravatar
    IrsSeptember 17, 2016

    I am on a holiday in UK. I am having my Australian post travel insurance. Few days back I felt I am losing my hearing, so I went and check the same.so they advice me to where a hearing aid, so I happen to go for it.
    My Question is ? can I clam the cost of the earing aid.?

      AvatarFinder
      RichardSeptember 20, 2016Finder

      Hi Irs,

      Thanks for getting in touch.

      Finder is a comparison service and not Australia Post Travel Insurance. You will need to contact them through the official Australia Post website.

      All the best,
      Richard

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