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Australia Post Travel Insurance
Our verdict: Australia Post Travel Insurance allows you to customise your cover so that it's right for your trip, but its COVID-19 cover might be lacking for some travellers.
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 after comprehensive COVID-19 cover, you might find these policies lacking. Cancellation and amendment cover is excluded.
Summary of Australia Post International Comprehensive policy
Overseas Medical and Hospital Expenses
Unlimited
Cancellation and Amendment Fees
Cover Chosen
Luggage and Personal Effects
$12,000
Maximum Age Limit
99
Table updated October 2024
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 2 main categories:
Overseas medical and dental costs if you are diagnosed while on your trip
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. One significant exclusion is cover for amendment or cancellation costs that are caused by or related to COVID-19.
If you need more comprehensive COVID-19 cover, we've compared all the providers that offer cover for COVID-19.
What do Australians think of Australia Post travel insurance?
4.29/5 overall for Customer Satisfaction — higher than the average of 4.26
4.72/5 for Trust — higher than the average of 4.57
4.15/5 for Customer Service — lower than the average of 4.2
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).
International Comprehensive
Basic International
Domestic
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
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).
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.
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.
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 after the 24th week or when you have experienced complications prior to buying the policy
A multiple pregnancy or one where the conception was medically assisted
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:
Head to https://claims.travelinsurancepartners.com.au/auspost
Enter your full name and policy number to log in
Describe the incident and provide expenses
Upload any documents to support your claim
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 and additional accommodation and travel expenses, but if you want cover for cancellation costs or cruise travel, you're out of luck. 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 travelling after your 23rd week of pregnancy.
You have 60 days from your return date to submit your travel insurance claim. If you're still waiting on documentation to support your claim but worried you won't make the deadline, you can start the process and submit the additional documentation later.
Yes, you can buy travel insurance if you are already overseas with Australia Post. If you purchase an Australia Post Travel Insurance policy on your trip after leaving Home, the cover is subject to a 3 day no-cover period. For other options, you can read our guide on Travel insurance for Australians already overseas.
You can contact Australia Post Travel Insurance on 1300 728 015.
Finalist for Best Travel Insurance - Domestic 2023
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
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.
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.
Finder
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
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?
Finder
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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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.
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
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?
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