Australia Post travel insurance

Compare benefits and features with Australia Post travel insurance

Australia Post Travel Insurance

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.

Australia Post travel insurance discount code

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DID YOU KNOW

  • You can filter your results to customise your cover!
  • You can choose from Basic, Standard or Comprehensive Cover
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DID YOU KNOW

  • You can filter your results to customise your cover!
  • You can choose from Basic, Standard or Comprehensive Cover

Finder's favourite features:

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.

Summary of travel insurance policies

The key features of Australia Post's three types travel insurance policies are broken down below:

Passport

International Comprehensive

Snow globe

Basic International

Mountain

Domestic

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AusPost travel insurance review of benefits

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
Additional expenses Unlimited Unlimited $10,000
Amendment/cancellation costs Cover chosen
$10,000
Luggage and personal expenses $7,500
$4,000
Travel documents $5,000
$4,000
Delayed luggage $750
Rental car excess $3,000
$3,000
Travel delay $2,000
$1,000
Special events $5,000
Personal liability $5,000,000 $5,000,000 $5,000,000

Cover chosen applies per policy
Table was last updated: August 2019

What options can I add-on to my Australia Post travel insurance?

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.

  • Cruise coverage. By default, all claims related to cruises are excluded from the standard travel policies. This option allows you to take a cruise and still claim your benefits as normal.
  • Winter sports. Cover if you're skiing, snowboarding or snowmobiling as part of your trip.
  • 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, the bike having an engine size less than 200cc, just to name a few.
  • Increase luggage cover. If you're travelling with expensive items that exceed the limit mentioned in the product disclosure statement, you might want to consider increasing your luggage cover for that item.
  • Increase car rental insurance excess. The different plans offer a differing limits for car rental insurance excess. If you find that the allocated limit is not enough, you can increase the amount by paying a bit more.
  • Annual multi-trip. When you buy any of the three travel policies, you can choose to change it from a single trip to an annual multi-trip. This choice gives you cover for several journeys starting and ending at your home in the course of a year.
  • Variable excess. An excess is paid each time you make a claim so consider it an out-of-pocket expense. On international policies, you have the option to select your excess amount from $0, $100 and $250. The higher the excess, the cheaper your policy but if you have to claim your pocket might be worse off.
  • Increase cancellation cover. You can add trip cancellation cover onto your International Comprehensive plan up to a nominated amount. This doesn't leave you entirely out of pocket if your trip has to be cancelled due to illness or misadventure.

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Is cover from Australia Post expensive?

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.

The verdict:

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.

More details...

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.

How can I save on Australia Post travel insurance?

Looking to save money on your travel insurance policy from Australia Post?

  • Australia Post travel insurance coupon codes. Coupon codes are one of the most common ways to save on travel insurance and you can get 10% off travel insurance when you buy a policy with Australia Post.
  • Kids can be added to your policy at no cost. If you're travelling as a family, your children are also covered for free, provided they are under 21 and unemployed.
  • Annual multi-trip option. If you travel a lot, you can get an annual multi-trip policy for international and domestic trips if you are more than 250km from home.
  • Choose a higher excess. Australia Post also helps you reduce your premiums with a variable excess to make your policy more affordable.

What isn't covered by my policy?

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's the result of your own dangerous or reckless behaviour, or you could have reasonably predicted the incident or problem.
  • You're travelling in an aircraft run by anyone other than an airline or an air charter company.
  • You're acting illegally, criminally or dishonestly.
  • You're taking a trip with a pre-existing medical condition that Australia Post has not approved, including pregnancy.
  • It arises from your participation in a risky sport or activity, for example: hunting, motocross, mountaineering, and others.
  • It relates in any way to cruise travel (unless you purchase the cruise cover add-on).

Claims and contact details

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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12 Responses

  1. Default Gravatar
    TrevorMay 29, 2019

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

    • Avatarfinder Customer Care
      CharisseMay 30, 2019Staff

      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

  2. 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 Customer Care
      JeniDecember 6, 2018Staff

      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 travel insurance options on this page. On that page, travellers to Bali are advised to keep themselves updated with 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

  3. 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 Customer Care
      JeniSeptember 3, 2018Staff

      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.

      You may consider checking out this PAGE if you are still looking around. On that page, you’ll see seniors-friendly travel insurance policies from more than 20 Australian brands to help you find the right policy for you.

      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

  4. 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 Customer Care
      RichardSeptember 20, 2016Staff

      Hi Irs,

      Thanks for getting in touch. finder.com.au is a comparison service and not Australia Post Travel Insurance. You will need to contact them directly about claims matters.

      All the best,
      Richard

  5. Default Gravatar
    JaniceAugust 29, 2016

    My husband and I are travelling to Tasmania in Sept and wish to get a quote on Travel insurance for 2 including car hire insurance. I prefer to speak to a consultant so I can ask questions rather the on the net.

    • Avatarfinder Customer Care
      RichardAugust 29, 2016Staff

      Hi Janice,

      Thanks for your comment. finder.com.au is an online comparison service and we are not permitted to provide our users with personalised financial advice or product recommendations. If you would like to compare policies from the brands in our panel, you can do so by heading to our travel insurance home page.

      All the best,
      Richard

  6. Default Gravatar
    EdJune 19, 2014

    If I cancel my trip because I get the flu (sick) prior to the day I fly out, will my airline ticket costs be reimbursed?

    • Avatarfinder Customer Care
      ShirleyJune 20, 2014Staff

      Hi Ed,

      Thanks for your question.

      In the PDS is states that you are not covered for “any costs or expenses incurred prior to You being certified by a medical practitioner as unfit to travel”.

      For more information please see page 36 of the terms and conditions.

      Cheers,
      Shirley

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