Australia Post Travel Insurance Review
Australia Post has long been a cornerstone in Australian communities, connecting people nationwide with services beyond traditional postal delivery.
Staying committed to creating meaningful connections, Australia Post introduced travel insurance, partnering with Zurich Australian Insurance Limited (ZAIL) and Travel Insurance Partners (TIP) to ensure policyholders receive dependable cover backed by strong administrative support.
The travel insurance policies offered through Australia Post are underwritten by ZAIL, a respected name in Australian insurance. This collaboration provides policyholders robust, reliable cover suited to local and international travel needs.
TIP plays a role in administrating the policies managing everything from customer service to claims processing.
With an Australian Financial Services Licence, TIP operates under full authority from ZAIL, enabling it to handle claims and inquiries directly, ensuring consistent, regulated service across all stages of the policyholder journey.
| 🔎 Date Established | 1809 (as Australia Post), travel insurance services established more recently |
| 📌 Headquartered | Melbourne, Victoria, Australia |
| 🛡️ Regulation and Compliance | Managed by Travel Insurance Partners (TIP), holding an Australian Financial Services Licence (AFSL). Underwritten by Zurich Australian Insurance Limited (ZAIL) |
| 📍 Type of Travel Insurance Plans Offered | International Comprehensive, International Basic, Domestic, and Annual Multi-Trip. |
| 📉 Key Cover Areas | Medical expenses, trip cancellations, luggage and personal effects, personal liability, and emergency evacuation |
| 📈 Emergency Assistance Services | 24/7 emergency assistance, including medical care coordination, document replacement, travel arrangement changes, direct billing for hospitalizations |
| 📊 COVID-19 Cover | Medical expenses for COVID-19 diagnosis abroad, limited quarantine expenses, and hospitalizations under certain conditions |
| 💹 Maximum Cover Limits | Medical Expenses: Unlimited (Comprehensive and Basic Plans), Personal Liability: Up to AUD 5,000,000, Baggage: Up to AUD 12,000 (Comprehensive) |
| ⚽ Adventure and Sports Cover | Winter sports, motorcycle riding, and moped usage with additional premium. Activities must follow policy terms to cover eligibility |
| 🖱️ Claims Submission Process | Claims can be submitted online or via mail, with a 60-day timeframe from the trip end date. Required documentation includes receipts, reports, and medical certificate |
| ⏰ Average Claim Settlement Time | Within 10 business days of receipt of the complete claim package |
| 🥰 Customer Support Availability | Monday through Friday from 8 am to 6 pm. Emergency assistance is available 24/7 |
| 📲 Mobile App and Digital Services | Online claims portal and digital access for tracking claim status and managing policies. No dedicated mobile app specifically for travel insurance |
| 🌟 Customer Reviews and Ratings | Recognized by Mozo’s People’s Choice and Experts Choice for value and customer satisfaction |
| ↪️ Annual Premium Range | International Comprehensive from approximately AUD 202/month, Domestic Plan from AUD 106/month (based on age and selected excess) |
| ❎ Exclusions and Limitations | Travel against advisories, certain pre-existing conditions, professional sports, unattended belongings, and pandemics if “Do Not Travel” advisories are in place |
| 🎉 Discounts and Promotions | Dependent children are included at no extra cost on annual policies; options for policy customizations (e.g., excess choice) |
| ⬆️ Policy Limits and Flexibility | Flexible options for single-trip, annual, and family plans, options for higher excess limits for rental cars, and cover for high-value items |
| 🌎 Global Reach and Market Presence | Australia Post Travel Insurance is distributed nationwide through the Australia Post network |
Australia Post Plan Comparison and Overview
| 🔎 Plan Option | 📈 Features | 📊 Min and Max Premium | 📉 Cover Limits | ❌ Exclusions | ❤️ Ideal For | 🚨 Emergency Assistance | 📲 Mobile App Offered | 🎉 Discounts Available |
| 🥇 International Comprehensive Plan | Extensive cover for medical expenses, COVID-19-related medical costs, luggage & personal effects, travel delays, and cancellation costs. Includes cover for amendment or cancellation and personal liability | Min: $202 (Single-Trip), Max: $277 (Annual Multi-Trip) | Unlimited medical, $12,000 luggage, $2,000 travel delay, $5 million liability, amendment or cancellation as selected | Excludes predictable events, unattended items, pandemic-related restrictions, high-risk sports, and elective procedures | International travelers who need more coverage, including COVID-19 medical and amendment options | 24/7 emergency assistance is available | None | The multi-trip policy offers savings for frequent travelers |
| 🥈 International Basic Plan | The core cover focuses on unlimited medical expenses, including COVID-19-related issues. Does not include amendment or cancellation benefits or delayed luggage allowance | Min: $133 (Single-Trip), Max: $183 (Annual Multi-Trip) | Unlimited medical, $2,000 dental, no luggage or cancellation, $5 million liability | Excludes amendment costs, delayed luggage allowance, and elective medical procedures | Budget-conscious travelers who want essential protection without cancellation or luggage cover | 24/7 emergency assistance is available | None | Not specified |
| 🥉 Domestic Travel Insurance | Covers essential travel incidents within Australia, including additional expenses due to sickness or natural disasters, rental car excess, and luggage protection | From $106 (Single-Trip Comprehensive) | $10,000 additional expenses, $10,000 rental car excess, $6,000 luggage | Excludes high-risk activities, elective procedures, unattended items, and delayed luggage on the return leg | Domestic travelers who want protection for essential incidents within Australia | 24/7 emergency assistance is available | None | N/A |
| 🏅 Annual Multi-Trip Travel Insurance | Covers multiple trips over the year, with cover options for international and domestic travel. Includes similar benefits to single-trip comprehensive plans with a choice of trip duration (30, 45, or 60 days) | Min: $183 (Domestic), Max: $277 (International) | As per the selected plan - the same benefits as the Comprehensive Plan | Excludes high-risk activities, predictable events, and non-emergency cancellations | Frequent travelers who want continuous cover across multiple journeys, including dependents, at no extra cost | 24/7 emergency assistance is available | None | Savings on multiple trips within the year |
Travel Insurance Plans and Cover Options
Travel insurance offers peace of mind by protecting travelers from unexpected events that may arise during their journeys, whether they are venturing abroad or exploring within their home country.
With a variety of plans tailored to different needs and destinations, travelers can choose the level of coverage that best fits their trip, from comprehensive international protection to more basic domestic coverage.
Understanding the key benefits and differences between these plans ensures travelers are equipped with the right insurance for their adventures.
International Comprehensive Plan
This plan extensively covers travelers heading abroad, including unlimited overseas medical expenses, which also applies to COVID-19-related incidents.
Additional benefits include $12,000 in luggage and personal effects cover, travel delay reimbursements up to $2,000, and personal liability cover up to $5 million.
The plan also covers amendment or cancellation costs based on the level selected by the policyholder. Here are some key benefits:
| 🔎 Cover Category | 🅰️ Benefit Description | 🅱️ Cover Amount |
| 📉 Medical and Health | Unlimited overseas medical expenses, including COVID-19-related incidents | Unlimited |
| 📈 Luggage and Personal Effects | Cover for lost, stolen, or damaged luggage and personal items | Up to $12,000 |
| 📊 Travel Delay | Reimbursement for delays exceeding six hours | Up to $2,000 |
| 💹 Personal Liability | Cover for personal liability incidents abroad | Up to $5 million |
| 💱 Amendment or Cancellation Costs | Protection for prepaid travel expenses due to unforeseen events | The level selected by the policyholder |
| 💶 Additional Expenses | Cover for unforeseen trip-related expenses like illness or natural disasters | Unlimited |
| 🎁 Special Events | Alternative travel arrangements to attend key events if delayed | Up to $5,000 |
International Basic Plan
The Basic Plan provides essential cover for international travelers and is focused on core protections like unlimited overseas medical expenses, including emergencies related to COVID-19.
However, it excludes amendment or cancellation benefits. It has no provision for delayed luggage allowances or cover for luggage and personal effects, making it ideal for travelers looking for a simplified policy at a lower cost. Here are some key features:
| 🔎 Cover Category | 🅰️ Benefit Description | 🅱️ Cover Amount |
| 📉 Medical and Health | Essential overseas medical expenses, including COVID-19-related incidents | Unlimited |
| 📈 Luggage and Personal Effects | No cover for personal belongings and luggage | Not included |
| 📊 Travel Delay | No cover for travel delay expenses | Not included |
| 💹 Personal Liability | Basic cover for liability issues abroad | Included |
| 💱 Amendment or Cancellation Costs | Not available for this plan | Not included |
| 💶 Additional Expenses | Basic cover for unforeseen trip-related expenses | Included |
| 🎁 Special Events | Not available | Not included |
Domestic Travel Insurance
This plan is for those traveling within Australia and offers cover for essential incidents, including up to $10,000 in additional expenses for unforeseen events like sickness or natural disasters.
It covers luggage up to $6,000, with specific sub-limits for cameras, laptops, and phones.
The Domestic Plan includes rental car excess cover up to $10,000, providing financial protection for travelers renting vehicles within Australia. Here are some key features:
| 🔎 Cover Category | 🅰️ Benefit Description | 🅱️ Cover Amount |
| 📉 Medical and Health | Cover limited to domestic incidents requiring medical attention | Not applicable (domestic only) |
| 📈 Luggage and Personal Effects | Cover for lost, stolen, or damaged luggage and personal items | Up to $6,000 |
| 📊 Travel Delay | No cover for travel delay expenses | Not included |
| 💹 Personal Liability | Liability cover for incidents within Australia | Included |
| 🚗 Rental Car Excess | Financial protection for rental car excess within Australia | Up to $10,000 |
| 💷 Additional Expenses | Cover for additional expenses due to unexpected incidents like sickness | Up to $10,000 |
Annual Multi-Trip Travel Insurance
The Annual Multi-Trip option allows for multiple trips annually, with cover options on domestic and international travel.
Travelers can choose a cover duration of 30, 45, or 60 days per trip. This plan includes comprehensive benefits similar to single-trip policies, with flexibility in cover regions and consistent protection for regular travelers. Here are a few other benefits of this plan:
| 🔎 Cover Category | 🅰️ Benefit Description | 🅱️ Cover Amount |
| 📉 Trip Frequency | Designed for multiple trips per year, applicable for both domestic and international trips | 30, 45, or 60 days per trip |
| 📈 Medical and Health | Similar benefits to single-trip International Comprehensive Plan | Unlimited (International) |
| 📊 Luggage and Personal Effects | Cover for personal items lost or damaged during trips | Comprehensive, as per the selected policy |
| 💹 Travel Delay | Cover for delays beyond six hours | Up to $2,000 |
| 💱 Personal Liability | Liability protection for incidents across covered regions | Up to $5 million |
| ❌ Amendment or Cancellation Costs | Cover for unforeseen cancellations or trip amendments | As selected by the policyholder |
Trip-Related Cover
Amendment or Cancellation Costs
Available under the International Comprehensive Plan, this benefit lets policyholders select a cover amount that protects prepaid expenses, including flights, accommodation, and tours if they need to cancel or reschedule due to unforeseen circumstances. The Basic Plan does not include this feature.
Travel Delay
The Comprehensive Plan covers up to $2,000 in accommodation and other necessary expenses for delays exceeding six hours. This benefit is not available on the Basic and Domestic Plans.
Additional Expenses
The Comprehensive Plan provides unlimited cover for expenses related to unexpected situations such as severe illness, injury, or trip disruptions due to natural events. The Domestic Plan covers these expenses up to $10,000, providing essential support for travelers facing unforeseen challenges within Australia.
Special Events
Travelers under the Comprehensive Plan can access up to $5,000 to make alternate travel arrangements for significant events if disruptions prevent timely arrival.
Choosing the right travel insurance plan depends on your travel needs, whether you’re looking for comprehensive international coverage or a more budget-friendly domestic option. Each plan offers distinct benefits, so it’s essential to assess the level of protection you require. With the right coverage, travelers can focus on enjoying their trips while knowing they are safeguarded against unexpected disruptions.
Key Features and Benefits of Australia Post Travel Insurance
Each policy is underwritten by ZAIL, a trusted Australian insurance provider, that offers reliable financial backing and adherence to high insurance standards. Claims are processed by Travel Insurance Partners (TIP), who manage customer service, claims, and compliance on behalf of Australia Post, ensuring smooth support for travelers. Policies can be conveniently purchased through Australia Post’s extensive network across Australia.
Optional Add-Ons
Winter Sports Cover
Offers up to $5,000 in cover specifically for designated snow activities like skiing and snowboarding, tailored for those visiting winter destinations.
Motorcycle and Moped Riding
Cover for motorcycle and moped riding is available, with certain conditions, including engine capacity limits and helmet requirements.
Cruise Cover
Essential for multi-night ocean cruises, this add-on protects travelers in case of cruise-related incidents, such as sickness or travel disruption while onboard.
Family and Group Travel Benefits
Under the annual multi-trip plan, dependent children traveling with the insured adult are automatically covered, ensuring family members under 21 can travel worry-free without additional premiums.
Partners can receive coverage under annual plans, creating a straightforward insurance solution for couples frequently traveling together.
COVID-19 and Pandemic-Related Cover
Australia Post Travel Insurance policies provide coverage for COVID-19-related incidents, mainly through the International Comprehensive and Basic Plans. The International Comprehensive Plan covers unlimited overseas medical expenses for COVID-19, including hospital stays and emergency transport, along with up to $5,000 for accommodation if isolation is required.
In the event of a COVID-related death, the plan covers repatriation or funeral costs. The International Basic Plan also offers unlimited overseas medical expenses for COVID-19 but does not cover amendment or cancellation costs. The Domestic Plan offers limited cover for isolation expenses if the traveler contracts COVID-19, covering accommodation costs up to $5,000 but excluding meals and incidentals.
Australia Post Travel and Health Cover Overview
Australia Post Travel Insurance has health-related protection to safeguard travelers during their journey, including comprehensive medical expense cover and emergency assistance features.
- The policy covers unlimited medical expenses for unexpected treatment needs abroad, from emergency hospital stays to specialist care.
- The Comprehensive Plan includes up to $2,000 for urgent dental care, limited to procedures that alleviate pain or restore function. This benefit can cover emergencies like temporary fillings or urgent repairs to damaged teeth, ensuring access to immediate dental relief.
In serious cases where repatriation is necessary, the policy allows for emergency transport back to Australia when deemed medically appropriate.
Additional Health-Related Provisions
If a traveler is hospitalized, the policy covers accommodation for a companion to stay with the traveler or for a relative to join them abroad. While the policy doesn’t automatically cover pre-existing conditions, travelers can apply for an assessment to determine eligibility. Approved conditions can be included for an extra premium.
Pricing, Premiums, and Value for Money
Below is a summary of the premiums for Australian Post Travel Insurance plans, showing how costs differ by cover type and excess options.
| 🔎 Cover Type | 💶 Premium (Monthly) | 📌 Plan Type | 📍 Excess |
| 🥇 International Comprehensive | $202 | Single-trip | $250 |
| 🥈 International Comprehensive (Annual) | $277 | Multi-trip | $250 |
| 🥉 Basic International | $133 | Single-trip | $250 |
| 🏅 Basic International (Annual) | $183 | Multi-trip | $250 |
| 🎖️ Domestic Comprehensive | $106 | Single-trip | $50 |
| 🥇 Annual Multi-Trip (Domestic) | $143 | Multi-trip (30 days) | $50 |
| 🥈 Annual Multi-Trip (International) | $277 | Multi-trip | $250 |
Premiums are influenced by destination, travel duration, and chosen excess. Selecting a higher excess can reduce the premium, allowing travelers to adjust their out-of-pocket expenses when making a claim.
Comparison of Price to Cover Ratios
The International Comprehensive Plan offers extensive cover, including unlimited overseas medical expenses and $12,000 for luggage and personal effects, with premiums reflecting these higher limits.
The Basic International Plan provides essential protection at a more budget-friendly rate, with fewer inclusions like limited luggage cover, making it a suitable choice for travelers who need international cover without additional options.
The Domestic Plan covers rental car excess up to $10,000, balancing costs with practical benefits for travelers in Australia.
Australia Post Travel Insurance Discounts and Incentives
Australia Post does not have any specific travel-related discounts or incentives but offers the following benefits:
- Frequent travelers can benefit from the annual multi-trip option. It covers multiple journeys over the year and is cost-effective compared to purchasing separate single-trip policies for each journey.
- Travelers can choose their excess amount based on international policies. Selecting a higher excess can reduce the premium, allowing more balance between upfront costs and potential claim expenses.
Australia Post also offers add-on options such as increased rental car excess and higher limits for personal effects.
How Do I Apply For Travel Insurance with Australia Post?
You can apply for travel insurance with Australia Post by following these steps:
- Go to the Australia Post website to explore available travel insurance plans.
- Review the plan options like the International Comprehensive, Basic International, and Domestic. Each plan has cover limits and features that fit different travel needs.
- Select your preferred plan and generate a personalized quote based on your destination, travel duration, and any additional cover options you want to include.
- Before proceeding, review the Product Disclosure Statement (PDS) and Financial Services Guide (FSG) to understand your policy’s terms, inclusions, and exclusions.
- Some policies allow you to select an excess amount, which can adjust your premium to fit your budget better. Set the excess according to your budget.
After confirming your cover details, continue with payment to finalize your travel insurance policy. Once payment is complete, you will receive confirmation and the Certificate of Insurance and other essential policy documents.
How Can I Claim For Travel Insurance with Australia Post?
If you’re a current policyholder with Australia Post, you can submit claims by following these steps:
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Visit the claims portal at claims.travelinsurancepartners.com.au for faster processing, where you can upload documents directly.
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If you prefer a physical form, download it from auspost.com.au/travelinsurance, complete the form, and gather all supporting documents.
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Collect the necessary evidence, such as medical or dental reports, police reports for theft or loss, transport provider reports for lost or delayed luggage, and receipts for related purchases.
To submit your claim:
-
Online: Log into the claims portal and complete your submission.
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By Mail: Send the completed form and original documents to: Australia Post Travel Insurance Claims
c/o Travel Insurance Partners
PO Box 168
North Sydney NSW 2060
Australia
After submission, Australia Post aims to respond within ten business days and will notify you of any additional requirements.
Supporting Documentation and Evidence Required with Claims
- Police Reports: Required if theft or loss of belongings has occurred.
- Receipts and Invoices: Proof of purchase for claimed items, especially for luggage and personal effects.
- Valuations or Repair Quotes: Required for high-value items to substantiate the repair or replacement cost.
- Transport Provider Reports: Needed for lost or delayed luggage claims, detailing the incident and any compensation offered.
- Medical and Dental Reports: Provide detailed reports from a medical professional for health-related claims.
How Long Does Australian Post Travel Insurance Take to Process My Claim?
Once a claim is submitted, Australia Post typically provides an update within ten business days. This initial response time applies to each stage if additional information is requested, helping keep you informed on your claim’s progress.
Can I add more than one person to my Australia Post Travel Insurance Policy?
Australian Post Travel Insurance lets policyholders include family members, like partners and dependent children, under a single policy.
- Partners can be added to single-trip and annual multi-trip policies. Dependent children under 21, who are financially reliant on the policyholder and traveling with them, are covered at no additional cost.
- Children or grandchildren included in the policy must reside with the policyholder, be financially dependent, and not hold full-time employment.
Policies with family inclusions provide the same level of cover for all members, covering incidents like medical emergencies, cancellations, and lost luggage.
Australia Post Travel Insurance Upgrades and Downgrades
Australia Post Travel Insurance provides options for policyholders to adjust their cover, allowing for upgrades to more comprehensive protection or downgrades for essential cover only.
- Upgrading from Basic to Comprehensive cover expands benefits such as unlimited overseas medical expenses, higher cover for cancellation fees, and broader luggage protection.
- Travelers can add cover for specific activities like skiing or cruise trips.
- These add-ons protect incidents unique to these activities.
- Increasing the rental car excess cover can be beneficial for those renting vehicles, especially with high-value rental agreements.
Downgrading to a Basic plan reduces premium costs and limits cover areas, excluding benefits like cancellation fees and some personal item protections.
Australia Post Digital Tools and Apps
Australia Post Travel Insurance has limited digital tools that relate to travel insurance. However, they do offer the following:
Online Claims Management
Policyholders can submit and manage claims remotely using the online portal. The portal lets users upload documents, check the status of their claims, and save progress during submission.
Digital Access to Customer Support
Policyholders can access support directly using the Australia Post website. Customers can get help with policy questions, claim submissions, and travel-related issues.
Australia Post Travel Insurance Additional Services and Benefits
| 🔎 Service Category | 📌 Service Description |
| 💶 Currency and Money Services | Foreign Currency Exchange at several locations for purchasing popular currencies |
| 💵 Currency and Money Services | International Money Transfers using Western Union while abroad |
| 📉 Passport and Identification Services | Full passport services, including applications, renewals, and photo services |
| 📈 Passport and Identification Services | Professional photos for visas or IDs, meeting international standards |
| 🅰️ Document and Security Services | Mail services with tracking and optional insurance for packages or documents |
| 🅱️ Document and Security Services | Hold or redirect mail while traveling for security and accessibility |
How to Switch to Australia Post Travel Insurance
Australia Post requires policyholders to cancel their current travel insurance and sign up through the website. Here are the steps to follow:
- Review the Australia Post website PDS to understand the cover options, limits, and applicable exclusions.
- Visit the Australia Post Travel Insurance section online to request a quote based on your travel needs. You can choose from International Comprehensive, Basic International, or Domestic plans here.
- If you decide to switch, take note of Australia Post’s cooling-off period, which allows you to cancel the policy within 21 days for a full refund, provided no travel has started or claims have been made.
Australia Post doesn’t offer a direct transfer service from other providers. Instead, you must cancel your travel insurance policy independently to avoid duplicate coverage. If you have questions or require guidance through the switching process, contact an Australia Post representative through the contact details provided on their website.
Exclusions and Limitations of Australia Post Travel Insurance
Australian Post Travel Insurance policies specify several exclusions, detailing circumstances where cover will not apply:
- Conditions were present before the policy start date and not disclosed or approved for cover.
- Activities such as skydiving, mountaineering, or professional sports without additional cover.
- When traveling to areas with official advisories against travel.
- Any issues related to pregnancy complications past the 24th week, childbirth, and neonatal care.
- Claims related to self-harm, suicide attempts, or substance abuse.
- Any claims arising from war, terrorism, or civil conflict.
Moreover, Quarantines, sanctions, or restrictions imposed by government authorities, including detainment or confiscation of property. Unless specifically covered in the policy, claims are directly caused by pandemics or related disruptions.
Policy Limits on Claims
Australian Post Travel Insurance applies specific limits per incident across different types of claims, providing clarity on maximum benefits:
- Accidental Death: Up to $25,000 under the Comprehensive Plan.
- Permanent Disability: Capped at $25,000 for injuries resulting in total loss of sight or limb function under the Comprehensive Plan.
- Loss of Income: Provides a maximum monthly benefit for up to six months following a travel-related accident that prevents work upon return.
Finally, Luggage and Personal Belongings. Limited cover per item and total cover cap vary by plan type, such as $12,000 under the Comprehensive Plan.
How Do I Contact Australia Post Travel Insurance Customer Support?
For general inquiries and claims support, you can contact:
Phone: 1300 728 015
Email: [email protected]
Mail: Australia Post Travel Insurance, c/o Travel Insurance Partners, PO Box 168, North Sydney, NSW 2060
For 24/7 Emergency Assistance during travel, reach out to the dedicated team of medical and travel professionals:
Canada/USA: 1-855-802-3393
New Zealand: 0800-284-343
United Kingdom: 0800-096-8819
Other Countries: +61 (0) 2 8907 5647
For any further assistance or inquiries, don’t hesitate to reach out to the support team, ensuring you’re always taken care of during your travels.
Customer Reviews and Satisfaction
🥇 Smooth Claim Process for European Vacation
For my Europe vacation, I bought Australia Post Travel Insurance. Unexpected events forced me to cancel. The claim procedure was easy, and I got my reimbursement quickly. Customer service was kind and accommodating.
🥈 Helpful 24/7 Support During Illness in Asia
I became sick in Asia and required medical treatment. Australia Post Travel Insurance handled my medical bills easily. The 24/7 support saved me by directing me to the nearest hospital and guaranteeing adequate care.
🥉 Reliable Coverage for Family Vacation
I chose Australia Post’s Comprehensive Travel Insurance for my family vacation. Our insurance covered essentials while our stuff was delayed. Effective claims processing and prompt reimbursement.
How Do I Submit Feedback or Complaints?
Initial Complaint Submission:
Phone: Contact customer service at 1300 728 015 to speak directly with a representative.
Email: Send a detailed message to [email protected].
Mail: Write to the Customer Relations Manager at PO Box 168, North Sydney, NSW 2060.
Escalation and Internal Dispute Resolution (IDR):
If the initial response does not resolve the issue, customers may request an internal review through the IDR process. This process provides a thorough examination of the complaint for a fair resolution.
External Dispute Resolution:
Policyholders can contact the Australian Financial Complaints Authority (AFCA) at 1800 931 678 or visit afca.org.au for free, independent dispute resolution services if the complaint remains unresolved.
Australia Post Travel Insurance Awards and Recognition
Australia Post Travel Insurance has received recognition for its service quality and value. In 2023 and 2024, Australia Post received prestigious awards from MOZO, showing a commitment to delivering accessible and reliable cover:
MOZO People’s Choice Award
This award recognized Australia Post Travel Insurance as a top choice among consumers, highlighting high customer satisfaction and being the most recommended provider. This award indicates strong approval from policyholders for its dependable cover and responsive service.
MOZO Expert’s Choice Award for Exceptional Value
Australia Post received the Expert’s Choice Award for its medical-only cover, recognized for exceptional value in the industry.
This award shows Australian Post’s competitive positioning in providing high-quality cover for essential medical needs at an affordable price point, making it attractive for travelers focused on securing medical protection abroad.
Australia Post Travel Insurance vs Nib Travel Insurance vs Allianz Travel Insurance – a Comparison
| 🔎 Metric | 🥇 Australia Post Travel Insurance | 🥈 Nib Travel Insurance | 🥉 Allianz Travel Insurance |
| 📌 Plan Name | International Comprehensive, International Basic, Domestic, Annual Multi-Trip | Essentials, Comprehensive | Comprehensive, Basic, Domestic |
| 📍 Premium Range | From $133/month (Basic) to $277/month (Annual Multi-Trip) | Starting at $67/month (Essentials) and $135/month (Comprehensive) | From $218 (Basic) to $306 (Comprehensive, monthly estimate) |
| 📊 Cover Limits | Unlimited overseas medical expenses (Comprehensive), up to $12,000 luggage cover | Unlimited medical, up to $12,000 for personal effects | Up to $20 million in medical and emergency cover (Comprehensive) |
| 📉 Key Cover Areas | Medical, cancellation, luggage, liability, travel delay, rental car excess | Medical, cancellation, luggage, liability | Medical, personal liability, trip cancellation, rental vehicle excess |
| 📈 Exclusions | Pre-existing conditions, high-risk activities without add-ons, pandemic-related government restrictions | Pre-existing conditions without approval, elective treatments, activities without cover | Self-harm, reckless activities, travel to “Do Not Travel” areas, pandemics without specific provisions |
| 🤒 COVID-19 Cover | Includes medical and hospitalization costs; no cancellation cover due to COVID-19-related restrictions | Medical and additional costs due to COVID-19; restrictions apply based on government advice | Medical and emergency expenses for COVID-19 under specific policies |
| 🧡 Ideal For | Travelers needing extensive medical cover abroad, families, frequent travelers | Budget-conscious travelers, those needing essential cover | Travelers seeking high cover limits, including medical and liability protection |
| 🏈 Adventure Sports Cover | Optional add-ons for winter sports, motorcycling, cruising | In snow sports, some restrictions apply | Additional packs for extreme sports; exclusions apply to professional sports |
| 🚨 Emergency Assistance | 24/7 worldwide assistance through a team of doctors, case managers, and travel agents | 24/7 assistance hotline | 24/7 emergency support for medical and non-medical situations |
| 📲 Digital Access and Mobile App | Online claim management portal, accessible through Australia Post’s site; no dedicated app | Claims are managed via an online portal; no specific mobile app | No dedicated app but online claim submission options are available |
| 🚩 Special Features | Cover for certain pre-existing conditions, rental car excess, Schengen Visa-compliant (Comprehensive) | Flexible excess, referral rewards | Option to adjust item limits choose excess, additional adventure packs |
| ⏹️ Average Claim Settlement Time | Varies by case complexity | Typically within a few weeks, based on documentation | Standard processing times, expedited for emergency cases |
Who Should Consider Australia Post Travel Insurance?
Australia Post Travel Insurance offers a variety of cover options tailored to meet the specific needs of different types of travelers. Here’s a breakdown of who might benefit most from these policies:
International Travellers Seeking Extensive Cover
Those traveling abroad who want high limits on medical expenses, trip cancellations, and cover for lost or damaged belongings will find the International Comprehensive Plan aligns well with their needs.
Travelers who want essential protection abroad at a more affordable rate can consider the International Basic Plan.
Domestic Travellers
Anyone exploring destinations within Australia will find that the Domestic Plan offers cover for trip cancellations, travel delays, and luggage issues tailored for protection within the country.
Frequent Travellers
Travelers who make multiple trips in a year can benefit from an Annual Multi-Trip Policy, which provides ongoing cover without needing a new policy for each journey.
Families with Dependents
Families traveling with children under 21 can include dependents on a single policy, ideal for those seeking to cover everyone under one plan, especially if traveling internationally or within Australia.
Adventure Seekers Engaging in Leisure Activities
Anyone planning activities like cruising or winter sports can opt for additional cover suited to these pursuits, including motorcycle covers for travelers looking to explore by bike.
Individuals with Pre-Existing Conditions
Travelers with pre-existing medical conditions that meet specific eligibility criteria can apply for cover, often with an additional premium, ensuring they have support for new, unexpected health issues that arise during travel.
Travelers Protecting Financial Investments
Anyone who wants to secure their travel investment against unexpected events, such as illness or travel delays, can benefit from trip cancellation and amendment cover, which applies to domestic and international plans.
Pros and Cons
| ✅ Pros | ❌ Cons |
| Free inclusion for children under 21 in family policies | Limited cover for pre-existing medical conditions |
| 24/7 emergency assistance is available for support in terms of medical, logistical, and document replacement requirements | Doesn’t cover amendment or cancellation costs under the International Basic Plan |
| The annual Multi-Trip option provides year-round cover for frequent travelers, with selectable trip durations of 30, 45, or 60 days | Excludes high-risk activities without additional cover |
| Partnered with Travel Insurance Partners for claims processing | Excludes certain predictable events (e.g., severe weather known before travel) |
| Covers unlimited overseas medical expenses under the International Comprehensive Plan, including COVID-19-related incidents | Routine or elective medical treatments and ongoing care are not covered |
| Includes rental car excess cover up to $10,000 in Domestic Plan | Delayed luggage cover is only available in the International Comprehensive Plan |
Frequently Asked Questions
Australia Post Travel Insurance is a reliable option for travelers who want structured, straightforward coverage across different journey types. Underwritten by Zurich Australian Insurance Limited (ZAIL) and managed by Travel Insurance Partners (TIP), this insurance offers a strong support system, including 24/7 emergency assistance.
Key benefits include robust medical cover on international policies and added cover options for activities like winter sports and cruising, which can be tailored to individual needs.
However, certain exclusions, such as those for unapproved adventure activities and limitations on cover for pre-existing medical conditions without prior assessment, are important considerations.
This travel insurance is well-suited for anyone who wants flexible yet dependable coverage within clearly defined terms.
You might also like:
- ahm Travel Insurance
- Allianz Care Travel Insurance
- Budget Direct Travel Insurance
- Bupa Travel Insurance
- Cover-More Travel Insurance
Frequently Asked Questions
Are pre-existing conditions covered?
Yes, some pre-existing conditions are automatically covered if certain conditions are satisfied. An online medical assessment is required to determine eligibility for conditions that are not automatically covered.
How can I file a claim with Australia Post Travel Insurance?
Claims can be made online, via mail, or the emergency helpline.
Does the policy cover travel delays?
Yes, some plans compensate for travel delays that last longer than a specific time.
Are adventurous activities covered?
No, Standard policies don’t cover high-risk activities. You can add optional cover for winter sports or motorcycle riding activities by selecting additional perks.
