Australia Post travel insurance allows you to customise your cover so that it’s right for your trip. Enjoy added flexibility on excess payments, trip cancellation cover, car rental insurance and luggage cover.
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Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
Some policies may not be available through Finder at this time
It’s unlikely that your policy will cover expenses from border closures
This well-known brand offers a strong rate of up to $5,000,000 for personal liability cover. Out of ten insurance companies that we reviewed, only three others matched this amount.
Australia Post Travel Insurance offers a generous rental car insurance excess of $3,000 on its comprehensive and domestic policies. It's flexibility also allows you to increase this amount, should you need it.
We found six travel insurance providers that offer some kind of cover for travel impacted by coronavirus-related events, but Australia Post wasn't one of them.
Australia Post is a widely known Australian brand that also offers customisable 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, they also offer various add ons such as cruise cover and flexible limits for trip cancellation.
Australia Post travel insurance is not currently available via finder. You can visit their website at www.auspost.com.au/travel-insurance for more information or compare alternative options available below.
Compare your travel insurance quotes
Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘 Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance. International travel insurance is limited and sometimes unavailable at this point.
Australia Post travel insurance is underwritten by Zurich Insurance Australia Limited, which provides insurance to customers in about 210 countries around the world.
Summary of Australia Post's Comprehensive Policy
Overseas Medical and Hospital Expenses
Cancellation and Amendment Fees
Luggage and Personal Effects
Maximum Age Limit
Table updated February 2020
Summary of travel insurance policies
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.
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.
Overseas medical/dental expenses
Luggage and personal expenses
Rental car excess
Resumption of Journey
Cover chosen applies per policy Table was last updated: June 2020
Overseas medical/dental expenses. When you're on a trip and you get ill or have a medical emergency, Australia Post can cover you for your medical bills which can be hefty when you're abroad.
Amendment/cancellation costs. If you're forced to cancel or rearrange your travel plans by circumstances outside your control, either before you leave or while you're on your trip, Australia Post may cover you for your losses.
Additional expenses. If you suffer an injury or illness, your insurance will cover additional hotel accommodation and transportation expenses for your travelling companion, who will remain with you until you are able to return home. It will also cover hotel accommodation and transportation expenses if a relative travels to be with you while you are hospitalised. In the eventuality that the worst happens and you die due to an injury or illness overseas, your insurance policy will cover the cost of your burial or cremation, or the cost of returning your remains to Australia.
Luggage and personal expenses. It's possible that your luggage could be damaged, delayed or stolen while you're out travelling. When this happens, Australia Post can reimburse you for your stolen goods up to a certain limit for each item. Just keep in mind that some items may be subject to depreciation.
Delayed luggage. If, for some reason, your luggage gets held up for longer than 24 hours after it was meant to arrive, you'll be provided up to $375 to purchase essential items you may need in the meantime. After 72 hours of delay, this amount is doubled.
Rental car excess. If a car gets damaged or stolen while you're renting it, Australia Post can help pay the excess that you owe to the rental company for the accident.
Special events. A big part of your trip might be attending a wedding, funeral, concert or other ticketed event. If your scheduled transport to the event gets cancelled or delayed, Australia Post can help foot the bill for alternative public transport there.
Personal liability. While travelling, you may end up in an accident that leaves you owing big legal fees or compensation to somebody else. This is where personal liability kicks in to assist you.
Travel delays. If you pre-booked your transport and it's delayed for a minimum of six hours due to unforeseen circumstances, you will be reimbursed up to a certain amount based on your insurance plan. Thereafter, you will receive the same amount for every additional delay of 24 hours.
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.
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.
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.
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.
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
Jessica Prasida is an associate publisher for Finder specialising in travel and home insurance. She loves travelling and is a wannabe dumplings master. Jess has a Bachelor of Business from the University of Technology Sydney and a Tier 1 General Insurance qualification. She is currently studying a Master of Marketing.
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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