auspost travel insurance cancellation

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..

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Summary of australia post international comprehensive policy, how does australia post travel insurance cover covid-19, what policies does australia post offer, here's a breakdown of australia post travel insurance features, standard features, optional add-ons, how to make an australia post travel insurance claim, here's the bottom line about australia post travel insurance, frequently asked questions, compare your travel insurance quotes.

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• 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.
• If you're after comprehensive COVID-19 cover, you might find these policies lacking. Cancellation and amendment cover is excluded.

Table updated June 2024

Congratulations, Australia Post!

Australia Post received the highly commended award for 'Travel Insurance - Domestic' in the 2023 Product Awards.

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.

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

Based on Australia Post travel insurance scores in Finder's 2024 Customer Satisfaction Awards .

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

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.

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).

• Accidental death or disability
• Additional accommodation and transportation expenses
• Amendment or cancellation costs
• Delayed luggage allowance
• Loss of income
• Luggage and personal effects
• Overseas medical expenses
• Theft of money
• Travel delay
• Rental car insurance excess

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.

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
• 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 .

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

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.

How long do I have to make a travel insurance claim?

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.

Can I take out a policy with Australia Post if I'm already overseas?

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 .

What is the phone number for Australia Post Travel Insurance?

You can contact Australia Post Travel Insurance on 1300 728 015.

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Cristal Dyer

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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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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14 Responses

How do I cancel my travel insurance with Australia post

You’ll need to contact them directly.

You can reach them on 1300 728 015 Monday to Friday (8am-7pm EST), Saturday (9am-4pm EST) and Sunday (10am-3pm EST).

Best of luck!

I am 90 years old and in good health, can I get travel insurance with Australia Post?

Thanks for reaching out to Finder.

Australia Post offers competitively-priced travel insurance for Seniors (people aged 60 years or over). However, please note that their policy availability is subject to age, the excess, trip duration, area of travel, existing medical conditions and extra cover options.

Policies may not be available to all travellers and reduced limits may be applied to travellers over 70 years of age.

You can go directly to their website and request for a quote or you can also call them for further assistance.

Hope this helps.

Cheers, Charisse

We are over from UK at sons are we covered if we take out travel insurance to visit Bali.

Hi Lorraine,

Thank you for getting in touch with Finder.

The cover depends on which type of travel insurance you get with Australia Post. I suggest that you contact them directly regarding your trip to Bali.

If you’re still looking around, you may check and compare your Bali travel insurance options . Travellers to Bali are advised to keep themselves updated using the Smartraveller site .

I hope this helps.

Please feel free to reach out to us if you have any other enquiries.

Thank you and have a wonderful day!

Cheers, Jeni

Do you cover seniors over 75 with pre-existing medical conditions? We are travelling to the Americas not being taken just Europe, cruising to South Africa and flying back to Australia.

Australia Post may be able to offer cover for your medical conditions, however if they cannot, they may be able to offer a standard policy with cover for things other than your medical conditions. You must attempt a quote from their official page before they can know.

If you are still looking around, you can enter your travel details from our travel insurance for seniors form . The search tools should allow you to compare policies from more than 20 Australian brands.

I am on a holiday in UK. I am having my Australian post travel insurance. Few days back I felt I am losing my hearing, so I went and check the same.so they advice me to where a hearing aid, so I happen to go for it. My Question is ? can I clam the cost of the earing aid.?

Thanks for getting in touch.

Finder is a comparison service and not Australia Post Travel Insurance. You will need to contact them through the official Australia Post website .

All the best, Richard

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Travel Insurance Cancellation Cover Explained

Published: Jul 24, 2023, 11:27am

Editorial note: Forbes Advisor Australia may earn revenue from this story in the manner disclosed here . Read our advice disclaimer here .

Table of Contents

What is cancellation cover, what is meant by unforeseen events, what is typically covered, what isn’t covered, how to make a claim under cancellation cover, frequently asked questions (faqs).

Travel insurance can help to cover the financial cost of something going wrong during a trip, such as missing a flight, losing luggage overseas, or even a medical emergency.

But sometimes, the unexpected happens and you may be forced to reschedule your journey or cancel your holiday altogether. For instance, a death in the family or an injury may prevent you from travelling.

Such circumstances are not only disappointing, but they can also turn out to be expensive because your travel insurance may not cover them since the event occurred before the actual trip.

This is where a cancellation cover proves to be really handy.

Related: Best Travel Insurance for Australian Seniors

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“Cancellation cover is a type of coverage that offers financial protection in the event that you need to cancel your trip before departure, due to certain unforeseen circumstances,” says Jonathan Etkind, chief commercial officer at travel insurance provider, InsureandGo.

This type of cover will generally provide protection for the cost of lost deposits and cancellation fees for pre-paid holiday arrangements, such as airline tickets, visa fees or hotel bookings if the trip is delayed or does not go ahead.

The level of cancellation cover will vary depending on the travel insurance policy but typically this cover is only available as part of comprehensive insurance . Most basic or essentials-only policies do not include a cancellation cover (except for some domestic policies).

Cancellation cover kicks in from the time you purchase the travel insurance policy until the time you actually start your journey. Insurers therefore pay particular attention to the phrase ‘unforeseen event’ while deciding your claims.

“Unforeseen events are circumstances that are outside of your control, and that a reasonable person in your situation would not have known or could know about at the time of purchasing their policy,” says Etkind.

The level of cancellation cover will vary depending on the travel insurance policy but typically this cover is only available as part of comprehensive insurance. Most basic or essentials-only policies do not include a cancellation cover

This could include events such as the sudden death of a relative or travelling companion who is a resident in Australia at the time the event occurs. It can also include the insured person falling ill or suffering an accidental injury that forces them to cancel their trip due to medical advice.

Cancellation cover is designed to cover cancellations due to unavoidable circumstances. Some broad examples of unforeseen events that are commonly covered include:

• Natural disasters:  If your flight or cruise is canceled due to bad weather or a natural disaster, such as floods, tornado, or bushfire. Similarly, most policies will reimburse for cancellations if your place of residence in Australia is damaged due to a fire, storm, flood or similar for 48 hours before your departure.
• Civil unrest:  If a strike, civil unrest, or riot directly affects your flights or accommodation, forcing the cancellation of your trip, it may be claimed.
• Injury or illness: It includes events such as the unforeseeable death, injury or illness, related to you or a relative, business associate or travelling companion who is resident in Australia and who is in Australia at the time the event occurs.
• Delays or disruption:  Cancellation cover may also allow you to recover costs if you need to cancel a trip as a result of being asked to appear as a court witness or are involved in an accident involving the vehicle you were intending to travel in.
• Pregnancy: If you fall pregnant after purchasing the travel policy, and where you will be more than 30 weeks pregnant at the time of your trip or where your doctor advises you are unfit to travel due to complications of pregnancy and childbirth.

Typically, with cancellation cover you will be able to get reimbursement for some or all prepaid, non-refundable expenses that you incurred for your trip such as for flights, meals, accommodation, and tours.

Not every event leading to cancellation is covered by travel insurance policies.

Generally, customers won’t be covered for cancellation if, at the time of purchasing their policy, they were aware, or a reasonable person in their circumstances would be aware, of something that was likely to result in them cancelling their trip.

Common examples of events not covered under cancellations include:

• Change of mind:  Cancellation of travel due to a change of mind, for any reason, is not covered for a cancellation claim.
• Travel documents:  Failing to get the necessary passports, visas or being denied leave to take your holiday by your employer before a trip, are generally not covered under cancellation cover.
• Undeclared pre-existing medical conditions:  Cancellation costs due to pre-existing medical conditions that were not declared and accepted by the insurer at the time the policy was purchased are typically also not covered.
• Terrorism/political unrest:  Situations involving political unrest, war, terrorism-related activity will generally not be covered by most insurers because the risk of such events is deemed too great. However, many insurers still provide medical cover in the event of a terror attack.

“It is always recommended that customers check the product disclosure statement of their travel insurance provider to understand the details of their cancellation coverage, including scenarios not covered by cancellation cover and any other limits, exclusions and conditions, before they decide to purchase,” says Etkind.

The process for making a claim for travel cancellations varies from insurer to insurer. While some providers recommend customers get in touch over the phone helpline as soon as they know that they need to cancel or amend the trip, others also allow customers to submit a claim online.

Generally, the process of making a claim will involve filling out the form available on your insurer’s claims web page, and uploading the relevant documents.

These will include copies of your tour itineraries, proof of payments, proof of the un-recoverable costs such as receipts, proof of the reason for your trip cancellation, for example any medical reports, etc.

Keep in mind that you are only eligible to claim the irrecoverable portion of the forfeited trip. So, for example, if your airfares are 60% refundable, you can only claim the balance, or 40% ,which is not refunded by the airline.

Also, how much money you can claim under cancellation will depend on the limits in your specific travel insurance policy.

Can you buy travel insurance with cancellation cover only?

Most travel insurance providers will not offer cancellation cover as a stand-alone product. It is generally available as part of comprehensive insurance, although some insurers also allow it as an add-on option with any other travel insurance policy. It is also available within some domestic policies.

Does travel insurance cover any cancellation?

Travellers often wrongly believe that all cancellations and delays are covered by travel insurance, but this is not the case. Cancellation cover only covers events that happens from the time you purchase the policy until the time you actually start your journey, and it must meet the travel insurer’s criteria.

Can you buy travel insurance with cancellation cover for Covid?

Yes, many insurers provide cover for cancellation or trip disruption due to Covid-19. Customers may be reimbursed if they or their travelling companion are diagnosed with Covid-19 after they purchase the policy. Some even allow reimbursement if a close relative is diagnosed with Covid-19 and the treating doctor confirms in writing that the level of infection is life threatening.

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Trip Cancellation Insurance Explained

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What is trip cancellation insurance?

Covered reasons for trip cancellation, what is not covered by trip cancellation insurance, cancel for any reason trip insurance, is trip cancellation insurance expensive, different ways to get trip cancellation insurance, which insurance coverage is best for me.

When booking travel, particularly expensive trips consisting of nonrefundable reservations, it makes sense to consider trip cancellation insurance since it can protect your deposit if your plans do not materialize due to unforeseen events. However, not every reason for canceling a trip will qualify for coverage, so you’ll want to familiarize yourself with the basics of trip cancellation insurance.

Trip cancellation coverage can be purchased as part of a comprehensive travel insurance policy , or you can receive it for free when you hold certain premium credit cards. The benefit is designed to protect prepaid, nonrefundable reservations, including flights, hotel reservations and other bookings if the trip is canceled due to an extraordinary circumstance. Each policy will state exactly which events are considered valid reasons for cancellations.

With COVID-19 still affecting travel plans, you’ll want to pay close attention to which reasons for cancellation due to the pandemic are valid. For example, wanting to cancel a trip you booked a while ago because your destination now has rising COVID-19 numbers and you’re afraid to travel is not likely a valid reason.

If you want to be able to cancel a trip for truly any reason, consider the Cancel For Any Reason supplemental upgrade when purchasing your insurance policy. CFAR will allow you to get up to 75% of your trip investment back as long as the trip is cancelled at least two days before departure.

» Learn more: Does my travel insurance cover the coronavirus?

Imagine you’ve booked a two-week vacation to Italy costing $5,000 ($1,000 flight, $3,500 hotel and $500 excursions), all of which is nonrefundable. Then, a week before your departure date, you fall and break your leg.

So, what does trip cancellation insurance cover?

If you have trip cancellation insurance, you’ll be able to get your entire prepaid, nonrefundable trip cost back (as long as the entire amount was insured), since injuries that necessitate medical treatment and prevent you from taking your trip qualify as a covered reason.

Other covered reasons include death of your traveling companion, inclement weather that results in disrupted service, jury duty, terrorist incident, job termination and other extraordinary events.

Although this is not an entire list of all the covered reasons, generally the cancellation must be due to unforeseen circumstances to qualify for a reimbursement. Review the fine print of your policy for the details of exactly which reasons are covered. When seeking reimbursement, you’ll need to submit claims to the insurance provider to substantiate your claim.

Although a wide range of reasons allow you to receive your prepaid, nonrefundable travel expenses back in the event of a trip cancellation, there are important exclusions to know about.

Trip cancellation insurance will not cover losses arising from self-harm, foreseeable events, acts of war, taking part in activities considered dangerous (e.g., skydiving, bungee jumping, endurance races, etc.), a felony, childbirth, dental treatment and more.

» Learn more: How to find the best travel insurance

So what if you want the flexibility to cancel your trip for reasons other than those covered by your policy? For that, you're going to need the CFAR insurance mentioned above.

CFAR is often available as an add-on to travel insurance policies, and while it can come in handy if you want to cancel your trip just because, you're not likely to get all your money back.

Most CFAR policies will only reimburse 75% of your nonrefundable travel expenditures.

» Learn more: Best travel insurance with Cancel For Any Reason Coverage

The price of trip cancellation insurance can vary based on the traveler’s age, destination, length of trip, cost of trip and insurance company.

Using the same $5,000, two-week trip to Italy as mentioned above, a search of policies on SquareMouth (a NerdWallet partner) ranged from $115 to $470, representing 2.3% to 9.4% of the total trip cost.

» Learn more: How much is travel insurance?

All policies provide 100% coverage of the trip cost, however the more expensive plans usually have higher limits on benefits like medical evacuation.

If you’re only looking for trip cancellation coverage and no other protections, a policy equating to 2.3% of the total trip expenses seems reasonable.

On your travel credit card

Trip cancellation coverage can be included as part of a comprehensive travel insurance plan or offered as a benefit on premium travel credit cards.

For example, the Chase Sapphire Reserve® will reimburse you or your immediate family members up to $10,000 per trip. The Business Platinum Card® from American Express and many other American Express cards also offer up to $10,000 in trip cancellation coverage. Terms apply.

These premium cards also offer other insurance benefits like trip interruption coverage, emergency assistance services, trip delay and more.

If you travel often and typically purchase trip cancellation coverage, consider applying for one of the cards that offer complimentary travel insurance . Not only will you get trip insurance benefits, but you will also get other travel perks and statement credits that can partly offset the annual fee.

Supplement by purchasing policies out-of-pocket

If the coverage limits offered on the cards aren’t sufficient or you’re looking for more protections (e.g., coverage for emergency medical expenses), you’d be better off with a travel insurance . Although you’d incur an additional cost for purchasing a comprehensive plan, you’d have many more benefits not commonly found in the insurance policies offered by the credit cards.

A comprehensive trip cancellation policy is likely to cover canceled flights so long as the flight or flights are nonrefundable and are a part of the total, prepaid expenses covered by your policy. Insurance provided by travel cards typically includes trip delay or cancellation coverage so long as you used that card to pay for your flight reservations.

If you're forced to cancel your trip due to extraordinary circumstances beyond your control, travel insurance will provide coverage for some or all of your nonrefundable travel expenditures, depending on your policy. Covered events will vary, so be sure to review the terms of any plan you intend to purchase.

Trip cancellation insurance is available for purchase from a wide range of companies and is often included as a benefit on travel credit cards. Under certain circumstances, it provides coverage for prepaid travel expenses in the event that you cannot complete your trip as planned.

A comprehensive trip cancellation policy is likely to cover canceled flights so long as the flight or flights are nonrefundable and are a part of the total, prepaid expenses covered by your policy.

Insurance provided by travel cards

typically includes trip delay or cancellation coverage so long as you used that card to pay for your flight reservations.

If you’re going on a trip consisting of costly flights, hotel reservations and excursions and would like to protect your prepaid, nonrefundable deposit but do not need any other coverage, a minimally priced trip cancellation insurance policy is a good choice.

If you have a premium travel credit card , check if you already have trip cancellation insurance as a benefit before you purchase a policy.

However, if you’re looking for additional coverage like travel medical insurance , and/or a basic plan doesn’t have adequate limits, consider a comprehensive travel insurance policy from providers such as AAA , Allianz , and AIG . Read NerdWallet's full analysis of the best travel insurance companies here .

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Australia Post Travel Insurance Review

By David Jones

Last updated on March 3rd, 2022

Read Here for Our Australia Post Travel Insurance Review:

Australia Post is a trusted name in the insurance industry. They have flexible offerings to cover all your needs. Enjoy your trip with Australia Post’s Travel Insurance.

Why Choose Australia Post?

Australia Post keeps it simple with only 3 policies. Optional add-ons make policies better-suited for your activities. All Australian travellers until 84 years old are eligible.

Australia Post Travel Insurance Policies

To protect your travels, here are Australia Post’s product offerings:

International Comprehensive

This policy is a complete package. Cover for medical or dental and additional expenses are unlimited. Choose a cover for cancellations. Other benefits include:

• $750 for delayed luggage
• $5,000 for hospital incidents
• $7,500 for luggage and personal expenses
• $250 for money
• $5M for personal liability
• $ 3,000 for rental car excess
• $3,000 for the resumption of journey
• $5,000 for special events
• $2,000 for travel delays
• $5,000 for travel documents

Basic International

Australia Post covers for just your basic travelling needs. You still get unlimited cover for overseas medical or dental and additional expenses. A benefit of up to $5M is available for any personal liability.

Get a travel insurance policy for local travels. This policy covers cancellation, luggage, personal liability, rental cars, travel documents, and travel delays.

Benefits and Add-Ons

Here are the benefits in detail:

• Additional Expenses: The policy will cover hotel accommodation and transportation expenses for your companion until you recover from illness or injury. Additional expenses also include funeral costs and repatriation to Australia in case of death.
• Cancellation Costs: When things don’t go as planned before or during your trip, expect cover for losses. Cancellations or changes should be out of your control.
• Delayed Luggage: This allows you to purchase essentials when your luggage doesn’t arrive within 24 hours. Receive twice the benefit when the delay lasts more than 72 hours.
• Luggage and Personal Expenses: The insurance policy reimburses you for stolen goods.
• Overseas Medical or Dental Expenses: Medical bills abroad may not be as affordable here in Australia. This benefit is essential because you carry your medical conditions even when travelling.
• Personal Liability: Accidents happen – even abroad. Protect yourself from hefty compensation with benefits for personal liability.
• Rental Car Excess: Australia Post covers the sum you owe for any damage to or theft of the rental car.
• Special Events: Australia Post pays for alternative transportation for any delays or cancellations on booked transportation to events.
• Travel Delays: Six hours of delay in your pre-booked transport is reimbursable. For every 24 hours of delay, you get the same amount.

Customise your cover with these optional add-ons:

• Annual Multi-Trip: Save more with this option if you have several trips in a year.
• Cruise Coverage: Unless you get this add-on, no payment for cruise-related claims.
• Increases in Luggage, Car Rental, and Cancellation Cover: If your needs exceed the limits, pay a bit more to receive increases.
• Motorcycle/Moped Riding: This covers your motorcycle travels. This requires safety precautions when riding.
• Variable Excess: You pay an excess for every claim. Select the excess of $0, $100, or $250.
• Winter Sports: This is perfect for winter activities on your trip.

Making Claims

Claim forms are available online. You can submit the form online or via post. There shall be no payment of claims if you:

• Were on a plane not run by an airline
• Were on a cruise without the add-on
• Went with unapproved pre-existing medical conditions
• Were acting dishonestly, illegally, or recklessly

Helpful Tips to Save on Travel Insurance Policies

• Choose an annual multi-trip cover if you travel regularly.
• Add children aged 20 and below to your travel policy, for free.
• Wait for any coupon codes and get discounts.
• Select a higher excess and pay lower premiums.

Compare different policies from different insurers. Makes Cents’ comparison tool helped many Australian travellers decode their decisions. As your partner, trust that Makes Cents will help you identify the right cover at the most affordable price. Start comparing today!

Our Australia Post Travel Insurance Review is just one of many. You can also read many more Travel Insurance Reviews at MakesCents .

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