Australia Post Travel Insurance
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Australia Post is a widely known Australian brand that also offers travel insurance. To keep things simple, they give the choice of three plans, international comprehensive, basic international and domestic. To make sure you have the right level of cover for your trip, they also offer various add ons such as cruise cover and chosen limits for cancellation.
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1. Simple choice of three different policies
2. More flexibility with loads of additional options available such as winter sports and cruise cover
3. Specified cover for Schengen visa requirements such as urgent medical attention and up to 30,000EUR for overseas funeral expenses.
The key features of Australia Post's three types travel insurance policies are broken down below:
Australia Post's most complete policy. Not only includes staples like unlimited medical cover, but all the extras like travel delay and travel document cover, luggage delay and replacement, and more.
The bare minimum you need when travelling overseas. Includes cover only for overseas medical and dental cover, disability and accidental death, additional expenses and personal liability.
Intended for people travelling inside Australia. Doesn't include medical cover, but has some other features such as trip amendment, travel delay, and a few others.
With Australia Post, you have access to three different travel plans, each with their own set of benefits and features. Each policy can be purchased for a single trip, or several trips in the course of a year (Annual Multi-trip), as laid out in the table below.
|Benefits||International Comprehensive||International Basic||Domestic|
|Overseas medical/dental expenses||Unlimited||Unlimited|
|Amendment/cancellation costs||Cover chosen||$10,000|
|Luggage and personal expenses||$7,500||$4,000|
|Rental car excess||$3,000||$3,000|
Cover chosen applies per policy
Table was last updated: August 2019
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.
Working out if a travel insurer is expensive is not the easiest task. Your costs vary greatly depending on where you're going, your age and more. We looked at a range of quotes for a 30-year-old traveller going to 5 regions (North America, Europe, Asia, The Pacific and Africa) for 2 weeks.
We found that on average, Australia Post policies cost about 20% (21.69%) more than the average policy using the Finder comparison tool. While a bit more expensive, Australia Post policies scored a Finder rating of 13.44% higher than the average policy.
However, this is a tale of two policies. Australia Post offers 2 international travel insurance policies: Comprehensive and Basic. There is a 20% difference between the cost of the 2 policies but the Basic policy only covers 9 of the 24 (37.50%) benefits offered by the Comprehensive option. Even when both the Comprehensive and Basic options are covering the same benefits, 3 out of 9 times (33%) the amount covered is significantly lower.
When comparing these 2 policies to others in the Finder comparison engine, the Basic policy did not fare well, costing about 7.87% more than the average policy but with a Finder score 47.14% lower than the average.
Australia Post's Comprehensive policy did far better. While this policy cost 35.52% more than the average policy, its value for money was reflected with its Finder rating, which was 74.01% above the average policy.
Looking to save money on your travel insurance policy from Australia Post?
All insurance plans have their own set of circumstances where you won't be covered. Generally, Australia Post will not pay your claim if:
Emergency assistance: +61 (2) 8907 5647.
Claim online: Start the claim process here https://claims.travelinsurancepartners.com.au/auspost
Claim by mail: Download and complete the claims form here https://auspost.poweredbycovermore.com/files/documents/auspost_claimform.pdf
Then post the form and supporting documentation to this address:
Australia Post Claims
Travel Insurance Partners
PO Box 168
North Sydney NSW 2060
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