Do you really need travel insurance?

Lost luggage, flight delays, overbooked hotels, these are some of the common inconveniences that travellers face. Travel insurance can cover these, but is it worth the expense? After all, you can buy new clothes wherever you are and arrange alternative transport and accommodation, and not be too much out of pocket. It would be annoying, certainly, but not financially disastrous to deal with such situations.

However, the single biggest reason for getting travel insurance is medical cover. If you've ever been overseas and required medical aid, you'll know just how valuable travel insurance is. Without it, you are personally liable for covering medical expenses - and the cost could be exorbitant depending on your situation.

No one wants to fall sick or require hospitalisation while they're holidaying, but it happens. Accidents and illnesses are often unavoidable, so having the right level of travel insurance can give you peace of mind and ease financial burdens.

Each year, the Australian government handles over 20,000 cases involving Australians in difficulty overseas, including those requiring hospitalisation or evacuation. However, they will not pay medical expenses incurred overseas, and neither will Medicare.

According to the Department of Foreign Affairs and Trade (DFAT), the cost of medical evacuations from the United States regularly range from $75,000 to $95,000 and sometimes up to $300,000. In Southeast Asia, a favourite destination for Australians, daily hospitalisation costs can exceed $800. Medical evacuations from Bali have exceeded $60,000. Imagine having to pay these bills out of your own pocket.

The government's view is that travel insurance is as essential as your passport. They have dealt with cases where families have been forced to sell assets, including superannuation or family homes, so that they could bring loved ones back to Australia.

Given this risk, it makes sense to buy travel insurance and get yourself covered for the duration of your trip. With Australia Post's affordable travel insurance policies, you'll have cover for a wide range of possibilities plus have access to a 24-hour emergency assistance team.

This advice is general in nature, and doesn't consider your needs or personal situation. You should consider your own needs and the Product Disclosure Statement (PDS) before making a decision to buy the product.

Limits, conditions, exclusions and fees apply. Policies may not be available to all travellers. Australian Postal Corporation ABN 28 864 970 579 (AR No 338646) is the distributor of Australia Post Travel Insurance and is an Authorised Representative of Australia Post Services Pty Ltd ABN 67 002 599 340 (AFSL No. 457551). Insurance products are issued by Great Lakes Australia ARBN 127 740 532, ABN 18 964 580 576, AFSL No. 318603. Review your own needs and the relevant Product Disclosure Statement before deciding to buy this insurance. Download a copy of the combined FSG/PDS (548kb) here, or for our In-store international Travel Insurance policy download a copy of the $6 a day Travel Insurance Product Disclosure Statement (388kb) here or the $10 a day Travel Insurance Product Disclosure Statement (444kb) here, or contact us on 1300 728 015 or email auspost@travelinsurancepartners.com.au

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    • Area of Travel

      Where you travel will influence your premium.

      Single Trip

      Select an area of travel based on where you will spend the most time on your journey.

      Note: If you plan to spend more than 20% of your time in the Americas or Africa, you must select the area that includes these countries.

      Annual Multi-Trip

      Select an area which will cover all the countries you plan on visiting over the year. Cover includes domestic journeys provided the destination is more than 250 km from your home in Australia.

      Note: If you plan to spend more than 20% of any single journey in the Americas or Africa, you must select the area that includes these countries.

    • Travel Start Date
      Single tripsAnnual multi-trips

      The date you depart Australia

      Cover under the Amendment or Cancellation Costs Benefit begins from the time you buy your policy.

      Cover under all other sections begins from the Travel Start Date you select.

      The date your policy will commence

      Cover under the Amendment or Cancellation Costs Benefit begins from the time you buy your policy.

      For further information, we recommend you read the definition of 'Relevant Time' in the Product Disclosure Statement.

      Travel End Date
      Single tripsAnnual multi-trips

      The day you arrive back at Australia

      Regardless of what you enter as the Travel End Date, you will be quoted for a 12 month Annual Multi-Trip.

      For further information we recommend that you read the definition of 'Relevant Time' in the Product Disclosure Statement.

    • Age of adult travellers

      Enter the current age of all travellers, except accompanied children.

      Accompanied children are your children or grandchildren who are travelling with you, provided they are not in full-time employment and they are under the age of 21 years.

      See the Product Disclosure Statement for more information.

    • Age of all accompanied children

      Accompanied Children are your children or grandchildren who are travelling with you, provided they are not in full-time employment and they are under the age of 21 years. See the Product Disclosure Statement for more information.

      Enter the number of accompanied children who are on the policy in the box below.

    • Do all travellers live in
      Australia? Help(?) - All live in Australia?

      Please note that policies can only be issued to Australia citizens and permanent residents who will be returning to Australia at the completion of the period of insurance and within 12 months of the journey commencing; and who have not yet commenced their journey.