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Are my children and/or grandchildren covered under my Australia Post Travel Insurance policy?
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Yes, your children and grandchildren are covered under your policy for no additional charge, as long as they are not in full time employment, are less than 21 years of age and are travelling with you on the journey.
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If I'm 75 years or older, can I buy Australia Post Travel Insurance?
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Yes, but you may need to pay a higher premium to ensure any existing medical conditions are covered. You may also need to complete a medical assessment form.
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I might have an "existing medical condition" - how do I tell?
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An existing medical condition means:
- Any physical defect, condition, illness or disease for which treatment, medication or advice has been received or prescribed by a medical or dental adviser in the 90 days prior to the Relevant Time
- Any chronic or ongoing medical or dental condition, illness or disease medically documented prior to the Relevant Time.
"Relevant Time" means:
- the time of issue of the policy for Single Trip policies, or
- the first time any part of the relevant trip is paid for, or the time at which the policy is issued (whichever occurs last), for Annual Multi-Trip policies. If you are unsure whether you have an Existing Medical Condition, please phone us.
This definition applies to you and your travelling companion.
You must read the "Pre-existing Medical Conditions" section of the Product Disclosure Statement for full details.
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Can an existing medical condition be covered?
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Australia Post Travel Insurance automatically covers certain existing medical conditions, at no additional cost to you. Other conditions can be covered if you pay an additional premium. Please read the "Existing Medical Conditions" section of the Product Disclosure Statement for full details.
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How do I get a medical assessment?
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You can complete a medical assessment at the same time as obtaining an online quote or call 132 331 for additional assistance.
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What happens if I get sick while I'm overseas?
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Our International Plans include unlimited cover for overseas emergency medical expenses. In addition our 24 hour Emergency Assistance team can help you locate appropriate medical treatment. If your treatment is at a hospital, they can also pay any large bills directly for you so you won't be out of pocket.
Always refer to the Product Disclosure Statement for full details of the cover available.
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What happens if I'm injured overseas and have to be evacuated back to Australia?
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Our International Comprehensive and International Basic Plans includes cover for medical transfers or evacuations if required and approved by our 24-hour emergency assistance team. This includes transportation to the nearest hospital for emergency medical treatment overseas, or bringing you back to Australia with appropriate medical supervision.
Cover is also available under these plans for the return to Australia of your dependants if they are left without supervision following your hospitalisation or evacuation.
All expenses for medical evacuation must first be approved by our Emergency Assistance team.
There is no cover for medical, hospital or dental expenses under the Australia Post Domestic Plan.
Always refer to the Product Disclosure Statement for full details of the cover available.
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Why don't you cover medical expenses within Australia?
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Australia Post Travel Insurance does not cover any medical, hospital or dental costs incurred within Australia because you are already entitled to treatment under Medicare or your private healthcare plan.
Always refer to the Product Disclosure Statement for full details of the cover available.
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What happens if my luggage is damaged or stolen?
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Australia Post International Comprehensive and Domestic Plans cover your luggage for loss, damage and theft. Remember that you must take all reasonable precautions to safeguard your luggage, and that you should file a police report or obtain a written statement about your loss or damage within 24 hours of it happening.
Individual cover limits apply depending on the travel insurance plan selected.
Always refer to the Product Disclosure Statement for full details of the cover available.
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Do you cover expensive items such as laptops, iPads, Smartphones and cameras?
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Yes, under the International Comprehensive and Domestic Plans these items are all covered. However, individual limits do apply. If you would like to increase your individual item limits, you can do so when you take out your policy but an additional premium will apply.
Always refer to the Product Disclosure Statement for full details of the cover available.
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What is rental vehicle excess cover?
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Rental vehicle excess cover provides cover in the event you need to pay the car insurance excess following damage or the theft of a rental car. This benefit saves you the cost of purchasing excess waiver cover from your rental vehicle company when you collect your car.
Always refer to the Product Disclosure Statement for full details of the cover available.
