About Travel Insurance for seniors
Australia Post offers a range of basic and comprehensive travel insurance policies to cover you during your overseas trip. The general benefits and cover options vary depending on the selected policy. Choose from our range of travel insurance plans below to suit your travel needs.
Benefits
-
A number of existing medical conditions automatically included (subject to meeting all of the criteria outlined in the PDS)
-
Unlimited1,3 medical for both comprehensive and basic insurance
-
Optional cruise cover
-
COVID-19 benefits1,2
-
Luggage items including medical devices2,3
Benefit | International Comprehensive | Basic International | Domestic |
|---|---|---|---|
Overseas medical expenses (including if diagnosed with COVID-19 overseas)1 |
$unlimited1 |
$unlimited1 |
No |
| Overseas dental expenses |
$2,000 |
$2,000 |
No |
| Additional expenses2 (including if hospitalised with COVID-19) |
$unlimited3 |
$unlimited3 |
$10,000 |
| Additional expenses2 (if unfit to travel due to being diagnosed with COVID-19) |
$5,000 |
$5,000 |
$5,000 |
Amendment or cancellation costs2 |
$cover chosen4 |
No |
$10,000 |
Luggage and personal effects2 |
$12,0002 |
No |
$6,0002 |
Travel documents |
$5,000 |
No |
$4,000 |
Delayed luggage allowance2 |
$1,100 |
No |
No |
Theft of money |
$250 |
No |
No |
| Rental car insurance excess |
$10,000 |
No |
$10,000 |
| Travel delay2 |
$2,000 |
No |
$1,000 |
| Resumption of journey |
$3,000 |
No |
No |
| Special events |
$5,000 |
No |
No |
| Hospital incidentals2 |
$5,000 |
No |
No |
| Loss of income2 |
$10,0005 |
No |
No |
| Accidental death2 |
$25,0005 |
$10,000 |
$10,0006 |
| Disability2 |
$25,0005 |
$10,000 |
$10,0006 |
| Personal liability |
$5,000,000 |
$5,000,000 |
$5,000,000 |
Frequently asked questions
Yes, under the International Comprehensive and Domestic travel insurance plans, these items are all covered, but individual limits apply.
You can increase your individual item limits when you take out your policy (additional premiums apply).
See the Product Disclosure Statement for full details.
When considering travel insurance options, an “existing medical condition” has its own special meaning in our travel insurance policy.
“Existing Medical Condition” means a disease, illness, medical or dental condition or physical defect that, at the Relevant Time*, You were aware of or a reasonable person in Your circumstances could be expected to have been aware of, by reference to all relevant factors including whether it meets any one of the following:
- Has required an emergency department visit, hospitalisation or day surgery procedure within the last 12 months.
- Requires:
- prescription medication from a qualified medical practitioner;
- regular review or check-ups;
- ongoing medication for treatment or risk factor control; or
- consultation with a specialist.
- Has:
- been medically documented involving the brain, circulatory system, heart, kidneys, liver, respiratory system or cancer;
or
- required surgery involving the abdomen, back, brain, joints or spine that required at least an overnight stay in hospital.
- Is:
- chronic or ongoing (whether chronic or otherwise) and medically documented;
- under investigation;
- pending diagnosis; or
- pending test results.
“Relevant Time” in respect of:
- Single Trip policies means the time of issue of the policy.
- Annual Multi-Trip policies means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.
To make a claim, submit your claim form online or by mail within 60 days of your return date. If you're still waiting on supporting documents, you can submit the form first, then send the additional paperwork later.
We'll aim to process your claim within 10 business days of receiving it. If you miss the 60-day deadline, include a cover letter to explain why, and we'll review it.
For any questions or help, call us on 1300 728 015. If you're unhappy with the outcome of your claim, you can escalate it to our Customer Relations Team and, if needed, to the Australian Financial Complaints Authority.
We'll process your travel insurance claim as quickly as possible - you'll hear from us within 10 business days of receiving your claim.
Still need help? Call us on 1300 728 015.
Please contact us on 1300 728 015, 7 days a week (8am - 7pm Mon-Fri, 8am-7pm Sat, 10am – 3pm Sun)
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 the product.
Limits, sub-limits, conditions, exclusions and fees apply.
1 Medical and dental cover will not exceed 12 months from onset of the illness or injury.
2 Sub-limits apply.
3 Limits apply to subsections point 2 and 5f. Refer to PDS.
4 Cover chosen applies per policy.
5 Maximum liability collectively for Sections Loss of Income, Accidental Death and Disability is $25,000 on the International Comprehensive plan.
6 Maximum liability collectively for Sections Loss of Income, Accidental Death and Disability is $10,000 on the Domestic plan.
Limits, sub-limits, conditions, exclusions, and fees apply. Travel insurance policies may not be available to all travellers. Australian Postal Corporation (ABN 28 864 970 579, AR No 338646) (Australia Post) as an Authorised Representative of Australia Post Services Pty Ltd (ABN 67 002 599 340 AFSL 457551) distributes the travel insurance policies.
Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507) underwrites policies. Any advice provided is general in nature. Consider your financial situation, needs and objectives and read the relevant Product Disclosure Statement and Target Market Determination before deciding to buy travel insurance policy. For more information, please contact 1300 728 015 or email auspost@travelinsurancepartners.com.au.