Australia Post offers a comprehensive travel insurance plan that covers COVID-19, numerous activities and pre-existing medical conditions, with the offer to add more conditions or activities into your personal coverage at additional excess. It is travel insurance that is offered from a reputable Australian brand, and has received decent reviews. With its ability to cover all ages and its many optional extras, it is a worthwhile plan for Australians.
Pros
- All ages are covered
- Includes COVID-19 in its medical cover
- 10% discount online
Cons
- Doesn’t cover cancellations that are COVID-19 related
- Some complicated inclusions, such as cruise cover that is only automatically included if it is a single-night cruise
- Reviews state the claim process is lengthy, despite the ease to submit
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About Australia Post Comprehensive Travel Insurance
It’s been named as the leading services brand in the Roy Morgan Trusted Brand Awards for 2022, but what many might not know is that Australia Post’s services stray further than just post–with offerings such as self-managed super funds, banking services and insurance.
There are four different types of travel insurance covered by Australia Post, which has an average ranking of 3.2 stars out of 5 from 139 reviews on Product Review. Australia Post’s travel insurance is underwritten by Zurich Australian Insurance Limited.
Until November 30, those who take out Australia Post’s Comprehensive Travel Insurance online can receive a 10% discount with the code TRAVEL10.
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What is Covered
Australia Post’s Comprehensive Travel Insurance is for Australians travelling overseas. There is no age limit to who can take out travel insurance with Australia Post, and children up to age 21 are included with the policyholder—as long as they are financially dependent on the policyholder, are not in full time employment and they will be travelling together 100% of the time.
It covers travel to most international destinations, offers credit card fraud protection up to $5000, personal liability cover up to $5 million, and car hire excess up to $10,000.
On the Australia Post website, it says you can get a quote within minutes using its online portal, and reduce your premiums with its variable excess offerings. This includes cancellations, which are covered to the amount chosen by the customer.
While there is no cover specifically for missed connections, there is cover for travel delay up to $2000. The conditions are that travel must be delayed for more than 6 hours to claim $300, and then an additional $300 can be claimed for each full 24 hour period after that.
Lost Luggage
Australia Post covers lost luggage up to $12,000, however sub limits do apply.
Medical
There is unlimited emergency medical coverage included in Australia Post’s Comprehensive Travel Insurance Plan. This includes overseas hospital, surgical, nursing and ambulance costs.
Is Dental Cover Included in Medical?
Dental is also included in Australia Post’s emergency medical cover, however a $2000 limit applies.
Does it Cover Me for Covid?
Yes, COVID-19 related medical expenses and additional expenses are covered, but an additional excess fee applies.
Cancellations due to COVID-19 are not covered, and there is no cover for claims arising from COVID-19 while travelling on a multi-night cruise.
What about Pregnancy?
Pregnancy is automatically covered by Australia Post’s Comprehensive Travel Insurance plan. This coverage is only up until week 24 of pregnancy, and childbirth is not covered.
What if I Have a Pre-existing Medical Condition?
There are 31 conditions covered in Australia Post’s comprehensive plan, such as anxiety, hip replacements and high blood pressure. Depending on the condition, there may be a medical assessment or other criteria to meet in order for it to be covered.
For additional medical conditions not listed, coverage may be included following a medical assessment and an additional excess.
Australia Post does not cover claims that arise from conditions involving drug or alcohol dependency; travel booked or undertaken against the advice of any medical practitioner; routine or cosmetic medical or dental treatment or surgery during the journey, even if your existing medical condition has been approved; or conditions for which you are travelling to seek advice, treatment or review or to participate in a clinical trial.
What about Sports and Activities?
Australia Post’s Comprehensive Travel Insurance Plan automatically covers 15 activities, being:
- Abseiling
- Archery
- Ballooning
- Bungy Jumping
- Flying Fox
- Horse Riding
- Jet Boating
- Jet Skiing
- Kayaking
- Paragliding
- Parasailing
- Skydiving
- Snorkelling
- White Water Rafting
- Working Holidays
For motorcycle and snow activities, additional packs that include these activities must be purchased. For cruises of more than two nights, additional extras will also need to be added to the policy.
Customer Service
Australia Post offers 24/7 emergency assistance with different phone numbers and lines depending on your travel destination, which are listed on the Australia Post website.
You can also make a claim online or, appositely, by post.
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Frequently Asked Questions (FAQs)
Can you get travel insurance at Australia Post?
Yes, Australia Post offers travel insurance for both domestic and international travellers. It has an international comprehensive plan, which is reviewed in this article; a basic international plan; a multi-trip plan; and a domestic plan available.
Does Australia Post travel insurance cover cruises?
Australia Post’s comprehensive travel insurance covers single night cruises automatically. However, for cruises of two or more nights, this must be disclosed upon purchasing the policy so that Cruise Cover can be added to your plan at an additional fee.
Is there an Australia Post travel insurance discount?
For individuals taking out a policy prior to November 30, a 10% discount is available online when using the code ‘TRAVEL10’. Australia Post regularly runs discounts which are made clear on its website, including the time frame in which an individual has to claim the discount.
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