How to buy travel insurance online

Researching travel insurance online can be fast, efficient and less expensive than visiting a travel agent. However, finding the best travel insurance policy for you requires you to be well informed to ensure you get the right coverage.

Step 1 - Before you start

Before you buy travel insurance, you have to decide what kind of coverage you need. Research the basics; this will help narrow your search right away, and find policies that fit your criteria and budget.

Finding a travel insurance policy is not about separating the 'good' companies from the 'bad' ones - it's about finding the best coverage and price that's right for you.

Familiarise yourself with the types of coverage available and the terminology travel insurance companies use to differentiate their products.

Research websites with useful information such as The Australian Government's Smart traveller website, which has a lot of good general information on travel insurance.

Step 2 - Searching for providers

Many travel insurance companies offer multiple policies with different levels of coverage. These policies range from domestic travel insurance, which may cover luggage and travel arrangements, to comprehensive international travel insurance, which may cover everything from overseas medical expenses to property and itinerary insurance.

Your preliminary research will help craft web searches that get you relevant results. For example, you'll know whether you need to search for domestic travel insurance or international travel insurance, whether you need to include a premium for 'extreme' activities, and whether you want to purchase a policy that includes things like lost luggage or trip interruption coverage.

Step 3 - The best travel insurance policy for you

Don't be afraid to review the policy details or review extra cover options for any specific activities you will participate in while travelling, and always ensure the medical cover offered will be adequate for any possible expenses in the country you are travelling to.

Read all the fine print, anticipate the worst case scenario and these steps may help in making sure the policy will cover things you need and be valid for the duration of your trip. In some cases, you can pay an additional premium which could cover expensive items such as jewellery and laptops.

Ensure you declare any pre-existing medical conditions you're aware of, and make sure you've read the coverage description carefully as there may be an exclusion or missing element of that policy.

Step 4 - Getting a quote

Getting an online quote for travel insurance is usually quick and easy. Most websites, like the Australia Post website, only need your destination, dates of your trip, number of people travelling, their ages, and whether they live in Australia in order to give you an estimate.

If you've found a number of similar policies with similar prices, customer service can help you make your selection. The more understandable a policy is, the easier time you will have filing a claim should you need to use your insurance.

If you have any issues or questions, you can get clarification from an agent over the phone. Australia Post has three different single-trip insurance policies, as well as a policy that will cover multiple trips during the course of a year.

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

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

Get a quote

    • 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.