australia post travel insurance login

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Mastercard Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386837) arranges for the issue of the Australia Post Travel Platinum Mastercard® (“Travel Mastercard") in conjunction with the issuer, EML Payment Solutions Limited ('EML') ABN 30 131 436 532 , AFSL 404131 . Australian Postal Corporation (ABN 28 864 970 579, AR No. 338646), the card distributor, acts as an Authorised Representative of Australia Post Services Pty Ltd (ABN 67 002 599 340, AFSL 457551). You should consider the Travel Mastercard Product Disclosure Statement and Financial Services Guide before deciding to acquire the product. The Target Market Determination for this product can be found here auspost.com.au/travelcard . Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

^Pay no foreign transaction fees on purchases when travelling, when you load your Australia Post Travel Platinum Mastercard with USD or EUR currencies supported by the product, and transact in that same currency. 

Before you make a decision to acquire the card, please check auspost.com.au for the latest currencies supported. Lock in your rates means the exchange rate is locked in for the initial load only. The exchange rates for subsequent reloads will be set at the prevailing exchange rate at the time of the transaction. Mastercard Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386837) arranges for the issue of the Australia Post Travel Platinum Mastercard in conjunction with the issuer, EML Payment Solutions Limited ('EML') ABN 30 131 436 532 , AFSL 404131. Australian Postal Corporation (ABN 28 864 970 579, AR No. 338646), the card distributor, acts as an Authorised Representative of Australia Post Services Pty Ltd (ABN 67 002 599 340, AFSL 457551). You should consider the Australia Post Travel Platinum Mastercard Product Disclosure Statement and Financial Services Guide before deciding to acquire the product. These can be found together with the Target Market Determination for this product at auspost.com.au . Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you. Terms, conditions and fees apply. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Mastercard Prepaid Management Services Australia Pty Ltd (ABN 47 145 452 044, AFSL 386837) arranges for the issue of the   Australia Post Travel Platinum Mastercard   in conjunction with the issuer, EML Payment Solutions Limited ('EML') ABN 30 131 436 532 , AFSL 404131. Australian Postal Corporation (ABN 28 864 970 579, AR No. 338646), the card distributor, acts as an Authorised Representative of Australia Post Services Pty Ltd (ABN 67 002 599 340, AFSL 457551). You should consider the   Australia Post Travel Platinum Mastercard   Product Disclosure Statement   and   Financial Services Guide   before deciding to acquire the product. The Target Market Determination for this product can be found   here.  

Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider if it is appropriate for you. Terms, conditions and fees apply. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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What is travel insurance?

Travel insurance is designed to cover you for a range of unexpected events that could happen when you’re travelling overseas or in Australia. Allianz Travel Insurance can cover costs like travel delays or emergency medical treatment, or the cost of replacing items that were lost or stolen during your trip. 1

We have Basic, Comprehensive, Domestic, and Multi-Trip Plans to choose from, with varying levels of cover to help you when you need it most. Our plans are available for singles, duos or families. Read through our Product Disclosure Statement (PDS) for detailed information about our plans to see which level of cover is right for you.

Find the right cover for your trip

Basic Travel Insurance

• Overseas emergency assistance 1
• Overseas medical and hospital expenses 1
• Personal Liability 1

Comprehensive Travel Insurance

• Overseas emergency assistance, medical and hospital expenses 1
• Unexpected trip cancellation 3
• Loss of or damage to luggage and personal effects 1
• COVID-19 benefits 2

Domestic Travel Insurance

• Travel delay expenses 1
• Rental vehicle excess 1

Multi-Trip Travel Insurance

Additional cover options.

For an additional premium, you can choose to add an Adventure Pack, Cruise Pack, or Snow Pack to eligible plans. Increased Item Limits Cover can also be added to insure your luggage, personal effects or valuables should something happen to them while travelling.

You have the option to vary the base excess when you buy your policy (premium adjustment will apply depending on the excess selected). The choice is yours.

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Choose what suits your needs, single cover, family plan, ready to get started, frequently asked questions.

Without travel insurance, you run the risk of incurring some significant expenses that may take years to pay off.

If you’re travelling overseas, travel insurance is an important consideration for unexpected medical bills and hospitalisation. Other unforeseen expenses could include the replacement of lost or stolen luggage, delays or cancellations to your trip, and many other unfortunate scenarios.

We don’t cover medical expenses under our Domestic Travel Insurance policy. However, you may wish to take out insurance for domestic flight changes or cancellations, lost or stolen baggage, or rental vehicle excess. Refer to the Product Disclosure Statement (PDS) for more information.

Travel insurance may cover you for a range of unexpected events that may affect your trip, such as emergency medical assistance if you become ill or injured while travelling overseas, including arranging your evacuation if needed.

Other incidents that travel insurance may cover include costs due to unexpected delays and cancellations, rental vehicle excess, and personal liability. You also have the option to purchase additional cover for activities such as adventure sports or skiing, although this isn’t available on all plans.

Cover limits vary from insurance provider to insurance provider, as do policy terms, conditions, limits and exclusions, so it’s important to read the Product Disclosure Statement to make sure you fully understand what’s covered, the limits applying to the policy, and to make sure the policy is appropriate for your needs.

The length of your Travel Insurance policy is largely dependent on the travel dates you supply. When obtaining a quote, or buying a policy, you’ll be prompted to enter in your departure and return dates – this will be the period of cover for all benefits except the cancellation benefit, which begins from the date your policy is issued.

The period of cover is also shown on your Certificate of Insurance, which is sent to you at the time of purchase. You may want to extend the length of your holiday abroad (and therefore need an extension of your period of cover) and you may be able to do this within specified timeframes.

If you think you may travel more than once a year, you may wish to consider a Multi-Trip policy . Different start and end dates apply, refer to the Product Disclosure Statement for full details.

It’s up to you when you buy Allianz Travel Insurance, however, keep in mind these three things:

• You can buy our Travel Insurance up to 12 months in advance.
• You must buy Allianz Travel Insurance before you start your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to begin travel.
• Depending on the plan you choose you may have trip cancellation cover, which covers unexpected trip cancellation, rescheduling or shortening from the date your Certificate of Insurance is issued. So, consider buying our Travel Insurance as soon as you’ve booked and paid for some or all your trip as you may be covered for such events before you depart.

Yes, if you change your mind after you buy your Travel Insurance policy, you may cancel it within 14 days of your Certificate of Insurance being issued.

You’ll be given a full refund of the premium you’ve paid, provided you’ve not started your journey and don’t intend to make a claim or exercise any other right under your policy.

When considering which policy is right for you, make sure you consider your needs, as well as your financial situation. Reading the Product Disclosure Statement and Target Market Determination (TMD) is a good place to start as they will give you more detail, so you can decide if the plan is right for you.

Allianz Travel Insurance offers a number of travel insurance plans – Basic , Comprehensive , Domestic , Non-Medical or Multi-Trip Travel Insurance . You can see more detailed information on our Compare Cover Options page .

This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic.

However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19.

Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.

Note: There is no cover under any benefit of this policy if your claim arises because you did not follow advice or a warning that has been issued by the Australian Government or a reliable mass media source. This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

If you have any questions call us on 13 1000 .

If you need to shorten your journey while travelling, or are prevented from travelling due to a COVID-19 border closure or mandatory quarantine period, you may be entitled to receive a partial or full refund on your premium. Refer to the Product Disclosure Statement for more information.

Eligibility criteria applies. Contact us on 1800 440 806 or email us .

There is no cover under any benefit of this policy if your claim arises because you didn’t follow an advice or warning that a reasonable person would have been aware of, that has been issued by the Australian government (when a ‘reconsider your need to travel’ or ‘do not travel’ alert is in place), which can be found on Smartraveller ; or which was published in a reliable mass media source.

Before buying travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).

Note: This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

Tip: Subscribe to Smartraveller to get travel alerts and advisory updates by email.

Refer to General Exclusions in the Product Disclosure Statement for a full list of exclusions.

If you have any questions, call us on 13 1000 .

A general exclusion, sometimes referred to as a policy exclusion or exclusion, is an exclusion that applies to all policy benefits.

Should a general exclusion apply, your travel insurance policy won’t provide cover for the specified event, activities or circumstances.

Refer to General Exclusions in the Product Disclosure Statement provided at the time of purchase for a full list of exclusions.

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• Terms, conditions, exclusions, limits and applicable sub-limits apply. Refer to the Product Disclosure Statement for full details.
• Policy terms, conditions, limits, exclusions, and sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the Product Disclosure Statement to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.
• Terms, conditions, limits, exclusions and sub-limits apply. Cancellation cover is only available on Comprehensive, Domestic and Multi-Trip Plans. Refer to Cancellation and General Exclusions sections of the Product Disclosure Statement for full details.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

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Why choose Southern Cross Travel Insurance?

+ Based upon the total number of travellers we have insured across the markets where we operate for all our travel insurance products from January 1995 to June 2024.

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With Aussie travellers for over a decade

We've been providing travel insurance to Australians since 2009. During this time, we're extremely proud to be recognised both locally and internationally for our commitment to delivering quality products, value for money and dedication to customer service. 

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What is travel insurance?

Travelling is all about discovering the unknown, so it’s no surprise that there can be a few hiccups along the way!

Travel insurance is designed to better protect you from these unexpected events, from the moment you book your trip to the day you return home. Whether you have an unexpected flight delay or medical emergency, we’re here to help. Let us worry about what could go wrong, so you can start dreaming about what will go right.

How to compare travel insurance

What can travel insurance cover?°

We offer cover for unexpected events, so you can travel with peace of mind. We know each traveller and trip is different - that’s why we offer different policies and add ons so you can choose the type and level of cover you need - which may, or may not, include some of the scenarios below. As with any insurance policy, terms, conditions and exclusions apply so always make sure you read the Product Disclosure Statement  before buying your travel insurance policy to make sure it is right for you.

If you are diagnosed with COVID-19 before you leave, or while on your journey, we offer cover in some scenarios

° Please refer to the individual Product Disclosure Statements to see what your chosen policy covers.

See what's covered

We offer travel insurance that suits how you want to travel

We know how important it is to make sure you have the right type - and level - of cover, so we have different travel insurance policies to suit different types of travel, and the ability to personalise your cover to suit you with our optional add-ons. Whether you’re heading to Fiji for some R&R, London for an OE or Victoria to hit the slopes, we’re with you.

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Coral beaches, lazy palms and vivid reefs under turquoise water. Few places in the world do tropical perfection quite like Fiji.

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When it comes to travelling, there’s always room for the unexpected to happen, that’s why we provide 24/7 emergency assistance and a simple process to make a claim on our website.

With Australian travellers for over a decade

• Travel Insurance

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When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Australia Post Comprehensive Travel Insurance Review

Updated: Sep 21, 2023, 1:32pm

Editorial note: Forbes Advisor Australia may earn revenue from this story in the manner disclosed here . Read our advice disclaimer here .

Australia Post offers a comprehensive travel insurance plan that covers COVID-19, numerous activities and pre-existing medical conditions, with the offer to add more conditions or activities into your personal coverage at additional excess. It is travel insurance that is offered from a reputable Australian brand, and has received decent reviews. With its ability to cover all ages and its many optional extras, it is a worthwhile plan for Australians.

• All ages are covered
• Includes COVID-19 in its medical cover
• 10% discount online
• Doesn’t cover cancellations that are COVID-19 related
• Some complicated inclusions, such as cruise cover that is only automatically included if it is a single-night cruise
• Reviews state the claim process is lengthy, despite the ease to submit

Table of Contents

About australia post comprehensive travel insurance, what is covered, does it cover me for covid, what about pregnancy, what if i have a pre-existing medical condition, what about sports and activities, customer service.

About Star Rankings: You will note that we have included a star rating next to the product or provider reviewed. This rating was determined by the editorial team once all of the data points were considered, and the pros and cons of each product attribute was reviewed. The star rating is solely the view of Forbes Advisor editorial staff. Commercial partners or advertisers have no bearing on the star rating or their inclusion on this list. Star ratings are only one factor to be considered, and Forbes Advisor encourages you to seek independent advice from an authorised financial adviser in relation to your own financial circumstances and investments before you decide to choose a particular financial product or service.

It’s been named as the leading services brand in the Roy Morgan Trusted Brand Awards for 2022, but what many might not know is that Australia Post’s services stray further than just post–with offerings such as self-managed super funds, banking services and insurance.

There are four different types of travel insurance covered by Australia Post, which has an average ranking of 3.2 stars out of 5 from 139 reviews on Product Review. Australia Post’s travel insurance is underwritten by Zurich Australian Insurance Limited.

Until November 30, those who take out Australia Post’s Comprehensive Travel Insurance online can receive a 10% discount with the code TRAVEL10.

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Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Australia Post’s Comprehensive Travel Insurance is for Australians travelling overseas. There is no age limit to who can take out travel insurance with Australia Post, and children up to age 21 are included with the policyholder—as long as they are financially dependent on the policyholder, are not in full time employment and they will be travelling together 100% of the time.

It covers travel to most international destinations, offers credit card fraud protection up to $5000, personal liability cover up to $5 million, and car hire excess up to $10,000.

On the Australia Post website, it says you can get a quote within minutes using its online portal, and reduce your premiums with its variable excess offerings. This includes cancellations, which are covered to the amount chosen by the customer.

While there is no cover specifically for missed connections, there is cover for travel delay up to $2000. The conditions are that travel must be delayed for more than 6 hours to claim $300, and then an additional $300 can be claimed for each full 24 hour period after that.

Lost Luggage

Australia Post covers lost luggage up to $12,000, however sub limits do apply.

There is unlimited emergency medical coverage included in Australia Post’s Comprehensive Travel Insurance Plan. This includes overseas hospital, surgical, nursing and ambulance costs.

Is Dental Cover Included in Medical?

Dental is also included in Australia Post’s emergency medical cover, however a $2000 limit applies.

Yes, COVID-19 related medical expenses and additional expenses are covered, but an additional excess fee applies.

Cancellations due to COVID-19 are not covered, and there is no cover for claims arising from COVID-19 while travelling on a multi-night cruise.

Related: Travel Insurance and Covid: Are your Covered?

Pregnancy is automatically covered by Australia Post’s Comprehensive Travel Insurance plan. This coverage is only up until week 24 of pregnancy, and childbirth is not covered.

There are 31 conditions covered in Australia Post’s comprehensive plan, such as anxiety, hip replacements and high blood pressure. Depending on the condition, there may be a medical assessment or other criteria to meet in order for it to be covered.

For additional medical conditions not listed, coverage may be included following a medical assessment and an additional excess.

Australia Post does not cover claims that arise from conditions involving drug or alcohol dependency; travel booked or undertaken against the advice of any medical practitioner; routine or cosmetic medical or dental treatment or surgery during the journey, even if your existing medical condition has been approved; or conditions for which you are travelling to seek advice, treatment or review or to participate in a clinical trial.

Australia Post’s Comprehensive Travel Insurance Plan automatically covers 15 activities, being:

• Bungy Jumping
• Horse Riding
• Jet Boating
• Paragliding
• Parasailing
• Snorkelling
• White Water Rafting
• Working Holidays

For motorcycle and snow activities, additional packs that include these activities must be purchased. For cruises of more than two nights, additional extras will also need to be added to the policy.

Australia Post offers 24/7 emergency assistance with different phone numbers and lines depending on your travel destination, which are listed on the Australia Post website .

You can also make a claim online or, appositely, by post.

Frequently Asked Questions (FAQs)

Can you get travel insurance at australia post.

Yes, Australia Post offers travel insurance for both domestic and international travellers. It has an international comprehensive plan, which is reviewed in this article; a basic international plan; a multi-trip plan; and a domestic plan available.

Does Australia Post travel insurance cover cruises?

Australia Post’s comprehensive travel insurance covers single night cruises automatically. However, for cruises of two or more nights, this must be disclosed upon purchasing the policy so that Cruise Cover can be added to your plan at an additional fee.

Is there an Australia Post travel insurance discount?

For individuals taking out a policy prior to November 30, a 10% discount is available online when using the code ‘TRAVEL10’. Australia Post regularly runs discounts which are made clear on its website, including the time frame in which an individual has to claim the discount.

The information provided by Forbes Advisor is general in nature and for educational purposes only. Any information provided does not consider the personal financial circumstances of readers, such as individual objectives, financial situation or needs. Forbes Advisor does not provide financial product advice and the information we provide is not intended to replace or be relied upon as independent financial advice. Your financial situation is unique and the products and services we review may not be right for your circumstances. Forbes Advisor encourages readers to seek independent expert advice from an authorised financial adviser in relation to their own financial circumstances and investments before making any financial decisions. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results. Forbes Advisor provides an information service. It is not a product issuer or provider. In giving you information about financial or credit products, Forbes Advisor is not making any suggestion or recommendation to you about a particular product. It is important to check any product information directly with the provider. Consider the Product Disclosure Statement (PDS), Target Market Determination (TMD) and other applicable product documentation before making a decision to purchase, acquire, invest in or apply for a financial or credit product. Contact the product issuer directly for a copy of the PDS, TMD and other documentation. Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved or otherwise endorsed by our partners. For more information, read our Advice Disclaimer here .

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

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Australia Post Travel Insurance

Our verdict: australia post travel insurance allows you to customise your cover so that it's right for your trip, but its covid-19 cover might be lacking for some travellers..

In this guide

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Summary of australia post international comprehensive policy, how does australia post travel insurance cover covid-19, what policies does australia post offer, here's a breakdown of australia post travel insurance features, standard features, optional add-ons, how to make an australia post travel insurance claim, here's the bottom line about australia post travel insurance, frequently asked questions, compare your travel insurance quotes.

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• This well-known brand offers a strong rate of up to $5,000,000 for personal liability cover . This was only matched by 12 of the insurance companies we reviewed.
• Australia Post Travel Insurance offers a generous rental car insurance excess of $10,000 on its comprehensive and domestic policies. Most other providers only offer up to $6,000.
• If you're after comprehensive COVID-19 cover, you might find these policies lacking. Cancellation and amendment cover is excluded.

Table updated June 2024

Congratulations, Australia Post!

Australia Post received the highly commended award for 'Travel Insurance - Domestic' in the 2023 Product Awards.

Australia Post has you covered if you're diagnosed with COVID-19 while on holiday in 2 main categories:

• Overseas medical and dental costs if you are diagnosed while on your trip
• Additional accommodation and travel expenses

There are some scenarios that are not covered by Australia Post including mandatory quarantine or isolation and government travel bans. One significant exclusion is cover for amendment or cancellation costs that are caused by or related to COVID-19.

What do Australians think of Australia Post travel insurance?

• 4.29/5 overall for Customer Satisfaction — higher than the average of 4.26
• 4.72/5 for Trust — higher than the average of 4.57
• 4.15/5 for Customer Service — lower than the average of 4.2

Based on Australia Post travel insurance scores in Finder's 2024 Customer Satisfaction Awards .

Australia Post is a widely known Australian brand that also offers customisable travel insurance. To keep things simple, it gives you the choice of 3 plans: International Comprehensive, Basic International and Domestic.

Each policy can be purchased for a single trip, or several trips in the course of a year ( Annual Multi-trip ).

International Comprehensive

Basic International

Annual Multi-trip

The insurer of this product is Zurich Australian Insurance Limited. It comes with a cooling-off period of 21 days and choice of standard excess for international plans.

These are some of the main insured events that Australia Post may cover you for if something does go wrong on your trip. Some of these inclusions are only available for certain levels of cover (e.g. the comprehensive policy versus the basic policy).

• Accidental death or disability
• Additional accommodation and transportation expenses
• Amendment or cancellation costs
• Delayed luggage allowance
• Loss of income
• Luggage and personal effects
• Overseas medical expenses
• Theft of money
• Travel delay
• Rental car insurance excess

As well as the benefits explained above, you can use the following options to vary your cover where necessary. Generally, these variations will attract an increased premium.

• Cancellation cover. You can add trip cancellation cover onto your International Comprehensive plan up to a nominated amount. This means you won't be left entirely out of pocket if your trip has to be cancelled due to a coverable illness or misadventure.
• Cruise cover. Required if you are travelling on a cruise for any or all claims related to cruises .
• Increase luggage item limits. If you're travelling with expensive items that exceed the limit mentioned in the product disclosure statement (PDS), you might want to consider increasing your luggage cover for that item.
• Motorcycle/moped riding. Cover if you're planning to ride a motorcycle or moped on your trip as a driver or pillion. Along with cover, there are other conditions such as needing the appropriate permits, wearing a helmet and the bike having an engine size less than 250cc, just to name a few.
• Winter sports. Cover if you're hitting the slopes on your trip, specifically for skiing, snowboarding or snowmobiling.

All insurance plans have their own set of circumstances where you won't be covered. Generally, Australia Post will not pay your claim if it relates to:

• Participating in hunting, running with the bulls or mountaineering, along with a selection of other high-risk activities
• Any unlawful act committed by you
• You travelling against the advice of a medical practitioner
• Pregnancy complications after the 24th week or when you have experienced complications prior to buying the policy
• A multiple pregnancy or one where the conception was medically assisted
• An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
• Self-inflicted injury or illness, suicide or attempted suicide
• Your impairment due to you drinking too much alcohol
• Insolvency of a travel agent , tour operator or accommodation provider

Make sure you review Australia Post's PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

You can submit your claim by downloading a claim form online and posting it to the Australia Post Travel Insurance claim team at:

Australia Post Claims Travel Insurance Partners PO Box 168 North Sydney NSW 2060

Alternatively, you can submit a claim online by following these steps:

• Head to https://claims.travelinsurancepartners.com.au/auspost
• Enter your full name and policy number to log in
• Describe the incident and provide expenses
• Upload any documents to support your claim
• Submit, and you should hear back within 10 working days

Australia Post's travel policies are nothing to sneeze at. You'll find generous limits that rival even our best travel insurance picks, especially if you're looking for comprehensive cover when hiring a car. Its flexible plans allow you to tailor your policy not just with optional add-ons but also your choice of cancellation cover and excess.

Once you look under the bonnet, though, you might find reasons to think twice. Australia Post's COVID-19 cover will cover you for overseas medical expenses and additional accommodation and travel expenses, but if you want cover for cancellation costs or cruise travel, you're out of luck. Pregnant travellers should read the fine print as well, as there are certain exclusions that could mean you're not covered, especially if you're having twins or travelling after your 23rd week of pregnancy.

How long do I have to make a travel insurance claim?

You have 60 days from your return date to submit your travel insurance claim. If you're still waiting on documentation to support your claim but worried you won't make the deadline, you can start the process and submit the additional documentation later.

Can I take out a policy with Australia Post if I'm already overseas?

Yes, you can buy travel insurance if you are already overseas with Australia Post. If you purchase an Australia Post Travel Insurance policy on your trip after leaving Home, the cover is subject to a 3 day no-cover period. For other options, you can read our guide on Travel insurance for Australians already overseas .

What is the phone number for Australia Post Travel Insurance?

You can contact Australia Post Travel Insurance on 1300 728 015.

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Compare other products from Australia Post

• Australia Post home insurance
• Australia Post car insurance

Cristal Dyer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio

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Australia Post offers a variety of financial products, including three travel insurance policies for Australian residents travelling locally or abroad. Customers can apply for and claim from policies online.

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14 Responses

How do I cancel my travel insurance with Australia post

You’ll need to contact them directly.

You can reach them on 1300 728 015 Monday to Friday (8am-7pm EST), Saturday (9am-4pm EST) and Sunday (10am-3pm EST).

Best of luck!

I am 90 years old and in good health, can I get travel insurance with Australia Post?

Thanks for reaching out to Finder.

Australia Post offers competitively-priced travel insurance for Seniors (people aged 60 years or over). However, please note that their policy availability is subject to age, the excess, trip duration, area of travel, existing medical conditions and extra cover options.

Policies may not be available to all travellers and reduced limits may be applied to travellers over 70 years of age.

You can go directly to their website and request for a quote or you can also call them for further assistance.

Hope this helps.

Cheers, Charisse

We are over from UK at sons are we covered if we take out travel insurance to visit Bali.

Hi Lorraine,

Thank you for getting in touch with Finder.

The cover depends on which type of travel insurance you get with Australia Post. I suggest that you contact them directly regarding your trip to Bali.

If you’re still looking around, you may check and compare your Bali travel insurance options . Travellers to Bali are advised to keep themselves updated using the Smartraveller site .

I hope this helps.

Please feel free to reach out to us if you have any other enquiries.

Thank you and have a wonderful day!

Cheers, Jeni

Do you cover seniors over 75 with pre-existing medical conditions? We are travelling to the Americas not being taken just Europe, cruising to South Africa and flying back to Australia.

Australia Post may be able to offer cover for your medical conditions, however if they cannot, they may be able to offer a standard policy with cover for things other than your medical conditions. You must attempt a quote from their official page before they can know.

If you are still looking around, you can enter your travel details from our travel insurance for seniors form . The search tools should allow you to compare policies from more than 20 Australian brands.

I am on a holiday in UK. I am having my Australian post travel insurance. Few days back I felt I am losing my hearing, so I went and check the same.so they advice me to where a hearing aid, so I happen to go for it. My Question is ? can I clam the cost of the earing aid.?

Thanks for getting in touch.

Finder is a comparison service and not Australia Post Travel Insurance. You will need to contact them through the official Australia Post website .

All the best, Richard

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• Travel insurance Compare Our Plans Popular Benefits COVID-19 Benefits International Plans Domestic Plans Comprehensive Insurance Annual Multi-Trip Inbound Plan Cruise Ski & Snowboard Motorcycle & Moped Adventure Activities Seniors Medical Conditions
• Emergency assistance
• Travel alerts Cover-More App
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Holiday more, worry less – pack our travel insurance

• Not sure? See full destination list.

Did you know we have an award-winning app?

It's as good at getting you out of a tight spot as it is at giving out travel tips.

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How do I find the best travel insurance plan for my next adventure?

Budget or blowout, high-end or low-key, only you can know which level of cover is right for your trip – we just want to help you have fun while you travel, safely. Bag packed? Let’s go!

International Basic

Does what it says on the tin – budget-friendly cover when you just want to cover the essentials.

Pre-trip cover if you’re diagnosed with COVID-19

On-trip cover if you’re diagnosed with COVID-19^##

Unlimited~ overseas emergency medical expenses^

Up to $5,000 luggage cover

Existing medical conditions cover available

Optional cancellation cover

Single trip policies

Annual multi-trip policies^

Rental vehicle insurance excess

International Comprehensive

More cover and higher benefit limits so you can worry less. It’s our most popular plan for a reason.

Pre-trip cover if you’re diagnosed with COVID-19#

On-trip cover if you’re diagnosed with COVID-19 while travelling^##

Up to $15,000 luggage cover*

Single trip or annual multi-trip^^ policies

Rental vehicle comprehensive cover

Our ‘more is more’ plan. Think of it as ordering the ice cream sundae with all the trimmings.

Up to $25,000 luggage cover*

Business trip benefits

Compare what’s covered

Important bits for you to know:

* Item limits apply.

~ Cover will not exceed 12 months from onset of the illness, condition, or injury.

^ For cruise-related expenses, Cruise Cover must be included in the policy. There is no cover for cabin confinement related to COVID-19.

^^ Policy availability subject to age, trip duration and area of travel. Policies may not be available to all travellers.

# Up to $5,000 per policy (or the amount chosen if this is less) applies to International Comprehensive Plan and Comprehensive+ Plan policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply.

## Up to $5,000 per policy (or the amount chosen if this is less) applies per policy for policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply. A special excess applies.

Still thinking about COVID-19?

Gone but not forgotten – in case COVID-19 joins your trip despite not being invited, you’ll have cover for:

Unforeseen overseas emergency medical costs*~#

Unanticipated amendment or cancellation costs*^

Unexpected additional expenses*#^

Discover our COVID-19 Cover

*Limits, sub-limits, conditions, and exclusions apply.

▵Pre-trip Amendment or Cancellation Costs cover is only available on our Comprehensive Plan and Comprehensive+ Plan.

~Medical cover will not exceed 12 months from onset.

#Cover for medical costs related to COVID-19 is not available on our Domestic Plans.

^A special excess will apply.

You can travel more, do more, smile more – and we’ll Cover-More

More control

You choose the right plan and cover options for your trip. (You holiday your way, we’ll do the rest.)

More confidence

Access to an award-winning 24/7 assistance team. (They know how to get you out of a pickle.)

More laughs

Get automatic cover for 80+ activities. (Novices or experts – everyone’s welcome.)

More wisdom

We’ve been doing this for more than 35 years. (Yes, we know what we’re doing.)

Had a holiday hiccup?

Don’t worry – you can submit a Cover-More travel insurance claim online at any time, from anywhere.

Need emergency support, fast? We’re here for you, 24/7

More ways to make your cover yours.

Doing more than simply sitting under a beach umbrella on your upcoming trip? We can help you vary your cover, so you travel your way, safely

Setting sail?

Are you heading out onto the ocean or the sea for two nights or more? Then you’ll need to include our Cruise Cover.

Hitting the slopes?

Before you set foot on the snow at home or overseas, choose one of our two levels of Snow Sports Cover.

Adrenaline junkie?

If you like raising your heart rate, you might want to consider one of our two levels of Adventure Activities Cover.

Love two wheels?

Planning to travel on a motorcycle or moped as the driver or passenger? Check out our Motorcycle/Moped Cover.

True travel claims stories: our Cover-More travellers share their tales

When it comes to unexpected incidents, we’ve seen it all (and then some). But this is good news for you: when you travel with a Cover-More travel insurance policy, you can worry less knowing you’ve got a caring team by your side, 24/7.

Mosquito bite in Bali

For a small insect, mosquitos are might powerful… Shannon was bitten by a one in Bali and got Dengue Fever, but we were there to help her get the care she needed.

"Cover-More were absolutely fantastic. I wasn't responding well to medical treatment, so they flew in a specialist from Singapore to accompany me all the way home. I'm so glad I had Cover-More travel insurance."

Boating mishap in Thailand

Natalie went to Thailand for a good time but ending up being involved in a speedboat crash (ouch!). We were there to help her get the care she needed for her fractured pelvis and brain haemorrhage.

"Luckily I had Cover-More insurance. They took care of everything and made sure we had the best medical treatment available."

Broken bones in Poland

Irene didn’t plan to end up falling and getting a bad fracture in Poland when she was there visiting family… but lucky she had us to help cover her extensive medical costs.

"Amazing. I can't praise them highly enough. Wonderful, wonderful people... Nobody should travel without insurance."

More care, less worry - try our Cover-More travel insurance for your holiday

Caring is sharing… useful travel tips.

Whether you’re about to get your first passport stamp or you’ve been collecting them for years, every day can be a school day. What will you learn about travelling today?

9 common travel insurance myths

We separate fact from fiction so you can get the truth about the benefits of travel insurance.

3 ways our assistance team can help you

We’re not just here to help you with catastrophic situations, we can help with the small stuff, too.

7 ways our app can help you travel smarter

You’ll be trip-ready with travel tips, safety advice and more, all in the palm of your hand.

Cover-More travel insurance FAQs

We want you to have a fantastic holiday. But if something goes wrong? Don’t worry – we’ll be here for you. Discover more about our cover and how we can help you on your next holiday now.

What does Cover-More travel insurance cover?

Like you, we know how exciting travel can be, but we also know every traveller is different and has different needs. You might be a backpacker on a tight budget or a senior spending the kids’ inheritance on a bucket list trip (go you!), which is why we cover lots of things.

Whoever you are, and however you like to travel, we offer cover for more than 80 fun-packed activities in all our base plans, from abseiling to archery, camel riding to canyoning, and snorkelling to sandboarding, and many more. We’ve also got optional cover for cruises, snow holidays, and motorcycling!

And, while we hope you’ll never need to ask, we’re also here to help if something goes wrong. You can contact us 24/7 for assistance, which means you’ll never be on your own if your plans go a little pear-shaped.

We also have cover for less exciting things like flight delays, losing a bag, dropping a laptop, and much more. Plus, cover for emergency medical and dental costs overseas and COVID-19 (yes, it’s still lurking around…), and other unforeseen expenses that crop up while you’re away.

Want to know more? Have a poke around in our Cover-More travel insurance benefits page to learn more about our cover. You can also find the full details on all the benefits and benefit amounts included in our travel insurance plans in the PDS.

Ready to choose the right plan for you? You can compare our plans now or get a quote.

How do I get a Cover-More travel insurance quote?

It’s easy and fast, promise. Just fill in the quote box at the top of our Cover-More homepage (or any page across the entire site – take your pick!) with all your trip details and hit the big orange ‘Get quote’ button.

You’ll then see the plan(s) we have that are suitable for your trip based on the details you’ve shared, plus have the chance to vary your policy with extra cover options and declare any existing medical conditions.

To make sure you get the best quote for you, use our travel insurance checklist to help you through the process.

It should be walk in the park, which is hopefully the vibe of your upcoming trip, too.

Does Cover-More have an app?

Of course we do – we're quite modern, you know – and it’s award-winning!

Our Cover-More app not only provides you with your policy in your pocket, but it also offers tips about your destination, can send you real-time safety alerts about incidents nearby as you’re travelling, and gives you tap-to-call access to our brilliant 24/7 emergency assistance team.

You can download it here. You’ll love it. (We do.)

Can I cancel my Cover-More travel insurance policy after I’ve bought it?

Absolutely! You are free to go... but do know we’ll miss you.

We offer a 21-day cooling-off period if you decide not to take us with you on your trip.

To be eligible to cancel your travel insurance policy during this period, you’ll need to still be at home (i.e. you haven’t started your trip yet) and not have made a claim or intend on making a claim.

If you want to find our more, take a peek inside the PDS.

Where can I find the Cover-More travel insurance PDS?

Great question! You can access the PDS here →

We like to think of the PDS as your travel insurance guru – it tells you everything you need to know, including what you’re covered for and what you’re not. Yes, it’s got all the information we could possibly tell you about your cover, so reading it means you ensure you’ve got the right cover for your trip before you’ve even let home.

Even though it sounds a bit dull (it is a bit), keeping it handy when you travel is also something to consider. But don’t worry – we make this easy for you. Once you’re a Cover-More customer, you’ll receive your policy details via email, but if you download our app, it’s super easy to access your policy detail and the PDS in there, too.

How can I contact Cover-More?

Whether it’s via our app, email, or phone, we'd love to hear from you.

If you’re already travelling and it’s an emergency, please contact our emergency assistance team on +61 2 8907 5619 from anywhere in the world. If you’ve got our app, open it and tap the assistance button at the bottom and follow the prompts to connect with us.

If you’re still in Australia and have a question about your Cover-More travel insurance policy, our cover, or anything that isn’t an emergency, our customer service team can help on 1300 72 88 22. If you’ve got a question about a claim, our claims team can chat to you on 1300 36 26 44. Both teams will be around to answer your call during these hours:

• Monday-Friday: 8am – 7pm AEDT
• Saturday: 9am – 4pm AEDT
• Sunday: 10am – 3pm AEDT

Does Cover-More travel insurance cover pre-existing medical conditions?

The answer is yes! We don't think a medical condition should stop you exploring the world, and neither should you.

We're rather proud of our travel insurance plans, even more so because we provide cover for many existing medical conditions in our base plans. (Our existing medical conditions cover page has lots of useful information about this – including the conditions you’ll need to meet for this cover to apply.)

Some medical conditions are a bit complex (and some travellers have more than one), which is why we have an online medical assessment that allows you to easily declare all your conditions so we can quickly tell you if we can provide you with cover.

Good to know: After you take the assessment, including cover in your policy for some conditions may mean you’re charged an extra premium, while some we can include in your policy for no additional cost. To find out, get a quote and take the assessment.

Want to learn more about our cover for medical conditions? We share all our helpful information on our existing medical conditions cover page.

How do I make a Cover-More travel insurance claim?

We’re sorry you've had a travel mishap, but the good news is this: we’ve made it super easy for you to make a travel insurance claim online using our online claims tool. It’s available 24/7, so you can submit your claim from anywhere, at any time. (Just make sure you lodge it within 60 days of arriving home!)

Our travel insurance claims page explains all the information you’ll need, including what documentation you’ll need to support your claim and when to let us know about any incident that leads to your claim. But, if you need us, we’re here to help on 1300 36 26 44.

How long do I have to lodge a Cover-More travel insurance claim?

Don’t keep it to yourself – if something goes wrong on your trip, let us know ASAP. All you need to do is fill out an online claim form within 60 days of the return date shown on your Certificate of Insurance.

Worried you might miss the 60-day deadline because you’re waiting for or missing documentation? Don’t stress – just contact our claims team on 1300 36 26 44 to let them know, and then submit the elements of your claim you do have while you’re waiting.

Got more questions? You’ll find everything you need to know about making a claim here.

How many children are allowed to travel on a Cover-More travel insurance policy?

Bring the whole gang – we don’t care! Actually, we do care – the more, the merrier.

The maximum number of accompanying children on our leisure and business policies is 10, they just have to be your own children or grandchildren and have the same itinerary as you.

Because we like to show you the ‘big print’, all the children must be:

• travelling with you
• financially dependent on you and
• not in full-time employment.

Does Cover-More travel insurance have an age limit?

What do they say, ‘You’re only as old as you feel!’? We think you’re never too old to explore the world. (Well, maybe at 100 you need to pop your feet up…)

We cover travellers up to 99 years old – right up until you get your letter from King Charles III. We value our senior travellers, and you can find out more about our travel insurance cover for seniors here.

Can I buy a Cover-More travel insurance policy if I’m already overseas?

Too busy jumping on your suitcase trying to get the zip closed to buy travel insurance? Don’t worry – you can still buy our Cover-More travel insurance once you’re on the road, but you’ll have to wait three days until your cover kicks into gear, so be good during that time!

The PDS is the font of truth and will explain all – check it out if you want to know more.

Can I edit my Cover-More travel insurance policy after I’ve bought it?

You betcha. You can make changes right up until the trip start date on your Certificate of Insurance, and you can amend details including traveller names, contact details, travel dates, your cover, and more’ (although there are a few details that are unable to be changed – sorry!).

Our Manage My Policy portal is your one-stop shop for making changes to your travel insurance policy. You’ll need to have your Certificate of Insurance and your mobile phone number handy to access it. Our FAQs will help if you need to know more.

Don’t want to change your policy details online? Not able to make the changes you want to online? Call our friendly team on 1300 72 88 22 – they can also help.

What company owns Cover-More travel insurance?

Are you sitting comfortably? Yes? Then we’ll begin…

Cover-More Group is the parent company of Cover-More travel insurance, and Cover-More Group is owned by Zurich Insurance.

Oh, and the underwriter for Cover-More Australia is Zurich Australian Insurance Limited.

Keeping up? Well, you did ask.

Why should I consider buying Cover-More travel insurance?

Ahem, shouldn’t you be asking why shouldn’t I consider buying Cover-More travel insurance?

We know we’re great at what we do, but here’s why you can feel good about travelling with us:

• We’ve taken care of more than 15 million travellers since 1986, providing them with quality travel insurance and help before, during, and after their trips
• We understand it’s important for you to feel safe and cared for while you travel so you can worry less, which is why we’re here for you 24/7
• We offer domestic, international, and inbound plans, so we can cover practically any trip and any traveller
• We provide cover for 80+ activities in our base plans so you can ditch the sun lounger to raise your heartbeat, safely
• You can access our global emergency assistance support no matter when or where you need our help. If you don’t believe us, ask Irene
• We’ve won (lots and lots of) awards
• We’re not afraid to talk about (OK, brag) about all the trips we’ve taken. We can’t stop travelling and we won’t stop travelling – it’s our passion.

• Join CHOICE

Travel insurance

Australia Post Domestic review

Zurich insurance provider..

This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how likely consumers were to bring a travel insurance dispute to AFCA about them.

In years (up to and including given number).

Limit per person for cancellation or amendment expenses.

No means 'not covered'. Cover is assessed on individual circumstances.

The limit for additional travel expenses per person if travel is interrupted by an insured event (not including injury or sickness as that is covered separately under 'Additional travel expenses for injury or sickness').

Cover limit for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if the scheduled transport is cancelled or delayed.

Cover limit for additional travel expenses to reach pre-paid travel arrangements on time if the scheduled transport is cancelled or delayed.

Cover is assessed on individual circumstances.

Limit per person for additional meal and accommodation expenses if scheduled transport is delayed.

The minimum number of hours before transport delay is covered.

Limit per person per 24 hour period for this transport delay. No means 'not covered'. Cover is assessed on individual circumstances.

The overall limit per person for stolen or damaged personal belongings.

Limit for a single unspecified item.

Limit per item for a video or photo camera.

Limit for a laptop or tablet.

Limit for a smartphone.

Overall limit for a single person for baggage lost temporarily.

No means 'Not covered'. Cover is assessed on individual circumstances.

Overall limit for a family for baggage lost temporarily.

The minimum period of time in hours before which cover applies for temporarily lost baggage.

Cover collision damage excess for a hire car.

Limit for collision damage excess for a hire car.

Average rating

Compare domestic travel insurance | choice, everything you need to know about travel insurance.

RACQ Travel Insurance

Members save 15% on travel insurance

Get your quote

Enjoy happy holidays with RACQ Travel Insurance

Enjoy the freedom of trekking around New Zealand, witness the beauty of Japan's cherry blossoms or cruise the South Pacific. Finally go on that epic outback adventure or visit family or friends overseas. RACQ Travel Insurance can help protect from the unexpected when you’re away from home. See more of the world knowing that you’re covered with RACQ.

• Our members can enjoy 15% discount on policies
• We’re chosen by over 70,000 travellers each year*
• We’re available to help 24/7, wherever you are in the world
• We offer a choice of excess from $0 to $1,000 depending on your plan type
• We provide coverage for the important things like lost, stolen, or damaged luggage, smartphone, tablets, and computers^^

Be prepared for the unexpected with RACQ Travel Insurance.

International travel insurance

• Feel prepared when you adventure overseas

Unlimited** overseas medical and hospital cover Unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit.

Domestic travel insurance

• Experience uninterrupted enjoyment Australia-wide

Lodge your claim or request the answers you need online.

Choose from a range of excess options and add optional extras to your travel insurance.

RACQ Travel Insurance won the 2023 and 2024 Mozo Experts Choice Award for Exceptional Quality.

Manage your insurance

Get more out of your next trip with racq member perks ~ ~, explore more with racq.

Travel insurance FAQs

Need help or would like to know more? RACQ offers many convenient ways for you to get in touch with us.

Things to note

*Figure based on 70,435 passengers on new policies issued in FY23.

^^Limits (including sub-limits), conditions and exclusions apply. This insurance is issued by Tokio Marine & Nichido Fire Insurance Co., Ltd (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548. Please read the Product Disclosure Statement (PDS) and any applicable Supplementary PDS before making a decision about this product and read the Target Market Determinations (TMDs)  before determining whether this product is suitable for your circumstances. 

** ‘$Unlimited’ means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including that arising from a terrorist act) or illness occurring which first shows itself during your period of insurance. Benefits may be paid up to 12 months from the time you received treatment for the injury or illness, but only for reasonable expenses incurred during that time. Medical treatments must be provided by a legally qualified medical practitioner. You must notify us as soon as practicable of your admittance to hospital.

Specific terms and conditions, limits (including sub-limits) and exclusions apply to each of our policies and the different benefits. Please read the ' RACQ Travel Insurance- Combined Financial Services Guide and Product Disclosure Statement ' for full details. 

RACQ Operations Pty Ltd (ABN 80 009 663 414 AR 000234978) and Members Travel Group Pty Ltd (ABN 45 144 538 803 AR 000432492) are acting as an Authorised Representative of the issuer of the insurance, Tokio Marine & Nichido Fire Insurance Co., Ltd. (ABN 80 000 438 291 AFSL 246 548). Any advice set out above is general in nature only, and does not take into account your objectives, financial situation or needs. Before purchasing any travel products, please consider the RACQ Travel Insurance Product Disclosure Statement (PDS)  and the Target Market Determinations (TMDs)  that apply to these products. Whilst the PDS outlines the Terms and Conditions of these products, the TMDs outline the intended class of customers that comprise the target market for these travel products. This will allow you to consider which products best suit your objectives, financial situation and needs and consider the products appropriateness to your personal circumstances. TMDs also outline matters involving the distribution and the review of these products. The PDS, Supplementary PDS and TMDs for each travel product can be found  here .

Banking and loan products issued by Members Banking Group Limited ABN 83 087 651 054 AFSL/Australian credit licence 241195 trading as RACQ Bank. Terms, conditions, fees, charges and lending policies apply. This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents  for your selected product or service, including the Financial Services Guide and the Terms and Conditions, and consider if appropriate for you before deciding.

Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.

~~ Terms and conditions apply to all offers. View the individual offer for full details. Offer is subject to availability and may be withdrawn at any time without notice.

# Conditions apply. Offer available at participating Caltex and Puma Energy service stations. Visit racq.com/caltex for details.