Australia Post Travel Insurance

Australia Post

Want to buy your travel insurance from a name you know and trust? Well, what’s more reliable than the Post Office, right? Read on for all the important information and fine print you should know before choosing Australia Post as a travel insurance provider.

About Australia Post

Yes, this is the same Australia Post who might be in charge of getting your postcards back to friends and family while you’re away. They also offer travel insurance policies to cover you in case of accidents while you’re travelling. 

Australia Post travel insurance is a representative of Travel Insurance Partners and their policies are underwritten by Great Lakes Australia, which is linked back to the Munich Re group, one of the world's largest insurance groups.

Rates and fees verified as correct at 11 December, 2016. Other information correct at the time of writing.

Australia Post travel insurance policies

Australia Post offers four travel insurance policies - basic and comprehensive international cover, annual multi-trip cover and domestic cover. Here at Mozo, we don’t compare domestic travel insurance, so we’ll only be concerned with the first three. There are also a range of optional additions you can choose to tailor your travel insurance policy to your needs.
Check out the table below for the details:

  • Events

  • Limits shown apply

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health problems

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Basic

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Events
    • $10,000

    • $10,000

    • $5,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Comprehensive

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $7,500

    • Unlimited

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,000

    • $5,000

    • $5,000

    • $3,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Comprehensive Multi-Trip (30 days)

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $7,500

    • Unlimited

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,000

    • $5,000

    • $5,000

    • $3,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Comprehensive Multi-Trip (45 days)

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $7,500

    • Unlimited

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,000

    • $5,000

    • $5,000

    • $3,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Comprehensive Multi-Trip (60 days)

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Unlimited

    • Events
    • $7,500

    • Unlimited

    • $3,000

    • $5,000

    • $25,000

    • $25,000

    • $10,000

    • $5,000

    • $5,000

    • $3,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Basic Multi-Trip (30 days)

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Events
    • $10,000

    • $10,000

    • $5,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Basic Multi-Trip (45 days)

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Events
    • $10,000

    • $10,000

    • $5,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Basic Multi-Trip (60 days)

    • Per person

    • Unlimited

    • Unlimited

    • 100

    • Events
    • $10,000

    • $10,000

    • $5,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
= Covered = Not covered

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


Policy features and fine print to look out for in Australia Post travel insurance

Pre-existing medical conditions:

There are a list of 19 pre-existing medical conditions covered by your Australia Post travel insurance policy. If you have a condition that isn’t listed, you can apply online for cover, you’ll just have to have a medical examination.  

Fine print: Each condition has a timeframe attached to it (usually around 6 months) and if you’ve been hospitalised, diagnosed or treated for the condition within that time, it won’t be covered.

Travelling while pregnant:

Cover is provided for any unexpected, serious complications having to do with pregnancy up to the 26th week.

Fine print: There is no cover for childbirth or a newborn child at all and if you’ve had complications, or if your pregnancy was medically assisted, you’ll have to apply for cover and undergo a medical examination.
If you’re travelling while pregnant, you should consider the risks involved and carefully decide whether your travel insurance provides adequate cover. You can also check out our travel insurance guide for pregnancy for more information.

Age limits:

You can purchase a travel insurance policy from Australia Post for anyone up to the age of 84. Also, to make travelling with family that little bit easier, Australia Post will cover dependent children for free under your travel insurance policy.

Fine print: Age will affect how expensive your travel insurance premium is - the older you are, the more you will pay. If you’re looking for travel insurance for older travellers, check out our guide to travel insurance for over 55s.
And if you’re travelling with dependents, keep in mind the definition in your policy: children under 21 who are not employed full time and will be travelling with you for the duration of your trip.

Extending your Australia Post travel insurance:

Having too much fun? Not ready to go home just yet? That’s fine. You can call Australia Post before your original travel insurance policy runs out to apply for a new one. Or, on the other hand, if you have to extend your trip because of unforeseen circumstances (if your flight is canceled, or if a medical emergency stops you from travelling, for example) your cover will be extended free of charge, until a time when you are able to travel home.

Fine print:  If you’re buying a new policy, remember that this does count as a new policy and not strictly an extension of your old one. That means if you came down with a medical condition during the time of your first travel insurance policy, when you apply for a new one, it may be classed as pre-existing and not be automatically covered. So be sure to mention anything like that when you go to extend.

Cooling off period:

Decided Australia Post travel insurance is not for you? You have a cooling off period of 15 days in which you can cancel your policy for a full refund of your premium.

Fine print: If you have already started your trip, or if you’ve already made a claim on your insurance policy, you won’t be entitled to a refund in the cooling off period. If you decide to cancel after the 15 day period, you can, but you won’t be given a refund of any of your premium.

Optional additions to your Australia Post travel insurance policy

A travel insurance policy should be as unique as your holiday will be! That means tailoring your cover so that it includes everything you need it to and nothing you don’t. Australia Post offer a range of optional extras that you can add to your policy, including:

Choose an excess - the higher your excess, the lower your premium. You can choose between a $0 excess, or a $100 excess.

Increase your luggage cover - if you’re carrying valuables that are worth over the ordinary limit on your policy you can increase the cover on that item.

Increase your rental vehicle cover - going on a road trip? For a little extra peace of mind, you can increase your rental vehicle cover by paying an extra premium.

Cover for moped/motorcycles - You’ll have to pay an extra premium for cover if you want to ride a motorcycle or moped during your journey, either as driver or passenger. Keep in mind that there are conditions, even if you pay the premium, for example, you aren’t covered if you were racing when your claim arose.

Cover for snowsports - hitting the slopes? You’ll need to pay an extra premium to be covered, but again, special conditions still apply. If you’re looking for travel insurance to cover your winter getaway, check out our guide on snow travel insurance.

How to make a claim with Australia Post travel insurance

If you need to make a claim with Australia Post travel insurance, you can submit online, or download a claims form from their website and then send it in, along with all your supporting documentation, via post, email or fax. You should hear from them within 10 business days.
There are some important details you should keep in mind when making a claim, like:

Need some more information? Have a look at our travel insurance claims guide for all the ins-and-outs of making a successful travel insurance claim.

Australia Post customer reviews

The Mozo community has rated Australia Post travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

Australia Post travel insurance

Overall 7.8*

Value for money

Trust

65 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Australia Post travel insurance reviews Recent Australia Post travel insurance reviews

Australia Post

Australia Post travel insurance review

Overall rating   5 / 10

Thank you.

I am very very lucky.

Full review

I am very very lucky.

    Value for money   8 / 10

    Trust   10 / 10

Less

Gurubazar (NSW), reviewed about 1 year ago

Australia Post

Australia Post travel insurance review

Overall rating   10 / 10

Feel very comfortable with the product & provider

Very reasonable rate and for a little extra covers me for a year!

Full review

Very reasonable rate and for a little extra covers me for a year!

    Value for money   10 / 10

    Trust   10 / 10

Less

Robert (VIC), reviewed about 1 year ago

Australia Post

Australia Post travel insurance review

Overall rating   9 / 10

Very user friendly

Australia Post insurance was easy to purchase with highly competitive rates. It was clear and easy to understand.

Full review

Australia Post insurance was easy to purchase with highly competitive rates. It was clear and easy to understand.

    Value for money   9 / 10

    Trust   7 / 10

Less

Sue (NSW), reviewed about 1 year ago

Australia Post

Australia Post travel insurance review

Overall rating   8 / 10

The premiums were cheap, the coverage was good.

The premiums were cheap, the coverage was good. Service was solid too.

Full review

The premiums were cheap, the coverage was good. Service was solid too.

    Value for money   9 / 10

    Trust   8 / 10

Less

Liam (SA), reviewed about 1 year ago

Australia Post

Australia Post travel insurance review

Overall rating   10 / 10

Found these guys to be competitive, great service

My recent experience with Australia Post Travel Insurance was great, easy to apply, competitive rates, excellent cover, value for money and online application. On our recent trip to Thailand we unfortunately found on returning home our samsung...

Full review

My recent experience with Australia Post Travel Insurance was great, easy to apply, competitive rates, excellent cover, value for money and online application. On our recent trip to Thailand we unfortunately found on returning home our samsung galaxy 6 mobile phone was damaged in the luggage. I rang the insurer we were asked to get a report & cost for repairs or replacement which we did. On forwarding these to the insurer within a couple of weeks we had a replacement phone posted to us. I would use them again next time we travel overseas and I like the idea of being able to do everything with the one business. We also purchased our load & go visa card from Australia Post, I have no hesitation in recommending their products.

    Value for money   10 / 10

    Trust   10 / 10

Less

Debbie (QLD), reviewed over 1 year ago

Hide reviews

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Compare Australia Post travel insurance policies with other Australian Insurers

Ready to jet set off overseas? Don’t be too hasty. Before you go, it’s well worth taking the time to compare the travel insurance options available to you, so you can find a policy that suits your budget, travel style and destination. There are a tonne of affordable, flexible options on the market, so do yourself a favour and compare them all with Mozo’s travel insurance comparison tool. Just plug in your travel dates, who will be travelling and where you’re going and we’ll do the rest! You can easily compare 237 travel insurance policies and choose the one that’s right for you.

While you’re there, hop across to our travel hub for heaps of great articles, tips and tricks on how to travel smart and save money. Be sure to drop by our Best $20 I’ve ever spent series for some tips from genuine globetrotters!

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