Australia Post Travel Insurance

Our verdict: Australia Post Travel Insurance allows you to customise your cover so that it's right for your trip. Its also got generous COVID-19 cover and the option to increase cover if you’re travelling with expensive items.

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By

Cristal Dyer

Edited by

Moira Daniels

Updated

Fact checked
Australia Post

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 planning on travelling as a family, keep in mind that Australia Post Travel Insurance does not allow children to travel for free. Other insurers include children in their coverage at no extra cost.

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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 October 2025

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 3 main categories:

  • Overseas medical and dental costs if you are diagnosed while on your trip
  • Amendment or cancellation prior to or during your journey
  • 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.

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

Standard features
Optional add-ons
Exclusions

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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 from the start of the 24th week (cover ends at 23 weeks, 6 days), or when you have experienced complications prior to buying the policy
  • A multiple pregnancy or one where the conception was medically assisted, unless you apply for cover and it's approved
  • 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, cancellations and amendments expenses that arise before or during your trip, additional accommodation and travel expenses or if you are diagnosed while on a cruise. 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 will be 24 weeks pregnant or more while you travel.

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

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To make sure you get accurate and helpful information, this guide has been edited by Moira Daniels as part of our fact-checking process.
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Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio

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14 Responses

    Janice's avatar
    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.

      Richard Laycock's headshotFinder
      RichardAugust 29, 2016Finder

      Hi Janice,

      Thanks for your comment. Finder is an online comparison service and we are not permitted to provide our users with personalized 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

    Ed's avatar
    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?

      Shirley Liu's headshotFinder
      ShirleyJune 20, 2014Finder

      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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