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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.

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

Table updated December 2023

Best Travel Insurance - Domestic finalist

Australia Post Travel Insurance came second-place in the domestic category. Out of the 23 domestic policies we analysed, it was the cheapest overall and covers rearrangement costs related to COVID, rental car excess insurance and more.

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.

If you need more comprehensive COVID-19 cover, we've compared all the providers that offer cover for COVID-19 .

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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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.

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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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Home > Travel Insurance > Australia Post Travel Insurance Review

Australia Post Travel Insurance Review

Learn more about Australia Post’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.  

Fact checked

No longer just a post office where you can send and receive mail, Australia Post has branched out into offering banking services, currency conversion and travel insurance policies. These policies are backed by Cover-More, one of the world’s largest providers of protection for holidays.

If you’ve got your eye on one of Australia Post’s travel insurance policies, comparing with Savvy lets you see how it fares against other insurers. By considering your options with us, you’re able to do a side-by-side comparison of policies to weigh up which is best for you.

Find out more about Australia Post’s travel insurance policies, get a quote and compare with Savvy today.

*Please note that Savvy doesn’t represent Australia Post for its travel insurance products.

More about Australia Post travel insurance

What travel insurance policies does australia post offer.

Australia Post offers three standalone travel insurance policies that cover you while you’re on holiday, including:

• International Comprehensive Plan: this is Australia Post’s top level of international cover and affords you protection for overseas medical and dental costs, the expense of replacing or repairing your luggage if it’s stolen or damaged, pre-trip cancellation and any travel delays. You’re also covered if the cash you’re carrying is stolen and if you need to pause your trip to return home due to an emergency.
• International Basic Plan: this type of discount travel insurance policy covers you for any medical expenses overseas and additional expenses and pays out if you become disabled, die by accident or are found personally liable for an accident or injury to another person. You won’t be covered for your bags or personal items, including if you lose your travel documents.
• Domestic: this policy covers you for any additional expenses, amending and cancelling bookings, the loss of your travel documents and the excess on a rental car. You’re also covered if you need to cancel your domestic trip due because you’ve contracted COVID-19 and are required to self-isolate.
• Annual Multi-Trip: this policy is tailored to those who are making frequent domestic or international trips over 12 months. You’re able to make an unlimited number of trips, so long as they’re at least 250km from your home.

Whether you're going on a trip to the UK or a camping trip in the Australian outback, it's important to compare quotes and policies with Savvy so you can check how Australia Post’s products stack up to other companies and potentially score a discount on your policy.

What optional extras are available through Australia Post’s travel insurance policies?

Australia Post offers a few optional extras that you can tack onto your standalone travel insurance policy. These include:

• Cruise cover: if you’re taking a cruise of more than two nights, you can purchase this optional extra which covers you for travelling on a multi-night ocean liner domestically or internationally. You’re covered for all your medical treatment onboard the vessel, emergency evacuation if you need to abandon ship and missing your port.
• Increased luggage item limits: taking valuables with you on a trip? You may wish to increase your baggage cover if the total value of those belongings exceeds the limit specified in the PDS.
• Motorcycle cover: this is protection for those who intend to either ride as a passenger or the driver of a motorbike or moped while on their vacation. In addition to having insurance, there are other requirements, such as having the proper paperwork, wearing a helmet and having an engine capacity of less than 250cc.
• Winter sports: this protects you if you plan on going skiing, snowboarding or snowmobiling during your trip.

What exclusions should I be aware of when buying through Defence Health Travel Insurance?

Some of the general exclusions on Australia Post’s travel insurance policies include:

• Breaking the law
• Accidents caused by consuming alcohol or drugs
• Attempted suicide or self-inflicted injuries
• Complications with pregnancies after the 24th week
• Travelling against the advice of your doctors
• Elective surgery or body modification procedures
• Travelling to a destination against Australian government advice

If you’ve found a travel insurance policy that draws your eye, make sure you review the Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of Australia Post’s travel insurance

What we like, hefty hire car excess cover.

Australia Post's comprehensive and domestic travel insurance policies have a $10,000 excess for rental vehicle insurance, which is higher than most insurers who offer between $4,000 and $8,000.

Longer to make a claim

Unlike many other travel insurance companies who give you just 30 days to file a claim, Australia Post allows you to take up to 60 days from the moment you return from your holiday to file a claim.

High personal liability cover

While most of their competitors offer between $1 million and $2. 5 million in personal liability coverage, Australia Post offers coverage of up to $5 million.

What we don't like

Limited covid-19 coverage.

You may want to look elsewhere for COVID-19 insurance if you're looking for the most complete coverage possible. Multi-night cruises, as well as cancellation and amendment coverage, aren’t included.

Less pregnancy cover than other insurers

If you’ve got a baby on the way, Australia Post only covers you up to the 24th week of gestation, which is less than some other providers on the market. You may also not be covered if you’ve had prior complications or are expecting twins.

No one-way coverage

Australia Post doesn’t sell one-way travel insurance policies, unlike a few other providers who make them part and parcel of their standard offerings.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about Australia Post’s travel insurance

Yes – Australia Post covers the cost of medical or hospital expenses due to COVID-19 on your holiday. They’ll also provide you coverage if you need to book additional accommodation or travel because of a COVID-19 diagnosis, isolate while you get tested or die as a result of coronavirus. However, as mentioned, they don’t cover cancellations or amendments to your holiday.

If you need to make a claim on your Australia Post travel insurance, the organisation has an easy-to-use claims portal you can provide details of your claim, upload documents and submit your claim. According to Australia Post’s PDS, once your claim is lodged it can take up to ten business days for a decision to be handed down.

Unlike other aspects of your travel arrangements, travel insurance doesn’t have an average cost or one-size-fits-all price to follow. Instead, the price you’ll pay is down to a set of unique variables including:

• Destination (for example, if you’re heading to Canada , your travel insurance may be more expensive than heading to Greece because of the difference in health care)
• Level of coverage
• Optional extras you choose
• Pre-existing medical conditions
• Chosen policy excess
• Type of insurer and insurance policy you purchase

Single-trip travel insurance policies only cover you for one holiday while annual, or multi-trip, policies usually cover you for an unlimited number of holidays over 12 months. Any one trip can usually last up to 60 days when it’s protected by a yearly multi-trip coverage. On the other hand, one-way policies cover journeys taken without a confirmed return flight, lasting up to 12 months and able to be extended further.

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Disclaimer: We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Australia Post Travel Insurance Reviews

Australia Post Travel Insurance can help protect you from the unexpected, whether you're travelling the world or closer to home. They have four different levels of cover to choose from. Policies are available to those under 85. Dependants travel for free with parent or grandparent. Underwritten by Great Lakes Australia.

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Worth it for peace of mind

Having recently forked out a fortune to renew mine and my girlfriend’s passports, last thing I wanted...  Read more

Having recently forked out a fortune to renew mine and my girlfriend’s passports, last thing I wanted was to have to pay hundreds of dollars on travel insurance (just in case something happened). But after getting a 10% voucher at the bottom of my passport receipt, I figured I should look into it. I was surprised at how much cover I got for our trip to Bali for around $100. I saved around $12 with discount code: TRAVINS14.

I was robbed...buyer beware of exclusions

Anyone considering Australia Post for their travel insurance should be aware that any valuable items ...  Read more

Anyone considering Australia Post for their travel insurance should be aware that any valuable items including cameras, ipads, phones, computers, jewellery etc will NOT be covered if left secured in a motorhome. As many people are choosing to travel this way you should consider getting insurance elsewhere. Our motorhome was locked and secure, but was broken into. I lost everything of value and have been refused payment.

Australia Post FAQ

How many people can i include in my policy.

You can buy a policy to include up to 10 traveller online.

Am I covered if I go on a cruise?

Yes, you don’t even need to pick a cruise specific policy. Here’s a top tip: Even if you’re travelling in Aussie waters you still need to pick pacific.

Can I pay to reduce or cancel my excess?

Yes you can choose between the excess of $0 or $100 depending on what you choose to pay.

What additional extras are there?

You can increase your single item limit for personal effects, your rental car excess cover, Add cover for winter sports and add cover for existing medical conditions.

Am I covered if my tour company collapses?

No, they don't provide protection from insolvency.

I’m not an Australian resident- can I buy cover?

No you have to be an Australian resident.

What size moped or motorbike am I covered to ride overseas?

If you wish to be covered for riding a motorcycle as the driver or pillion passenger, you must pay an extra premium. Even if you pay the extra premium you will only be covered if the engine is less than 200cc. You also must wear a helmet, ride safely and have a valid license in Australia and the country you are riding in.

How long is their single trip cover for?

Can i extend my policy from overseas.

Having too much fun? No problem. You can buy a new policy from overseas, as long as your old policy has not yet expired.

Do they cover for my rental vehicle excess?

If you’re hiring a car whilst you’re away and you don’t wanting to pay a large excess should you have an accident, Australia Post will cover you up to $3,000. You can pay more to increase this if you wish.

What is their cooling off period?

Who underwrites them.

Great Lakes Australia.  

Our Travel Insurance Comparision Helps You

Save time, worry and loads of money.

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Your privacy is important to us.

Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590.  Located at Level 12, 338 Pitt Street, Sydney, NSW 2000 Australia.

For further information view our FSG and Terms of Use . Contact us by calling 1300 659 411.

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Australia Post Travel Insurance

Important information on terms, conditions and sub-limits.

Are you a big fan of the national postal service? If yes, you’ll be excited to hear that as well as parcels and letters, you can also get travel insurance from Australia Post. So, if you’re planning to post yourself away, you might want to check it out! Keep reading for important information you should know before signing up for an Australia Post travel insurance policy.

About Australia Post

Yes, this is the Australia Post that is in charge of getting your letters and postcards back to family and friends while you’re away. Australia Post itself has been offering insurance for nearly a decade. Its travel insurance policies are underwritten by Zurich Australian Insurance Limited.

What travel insurance does Australia Post offer?

Australia Post offers multiple travel insurance policy options: basic and comprehensive international travel insurance, multi-trip travel insurance and domestic travel insurance. There’s also a number of optional extras you can add on to your policy, if you’re looking for cover that is a little more tailored towards your particular trip. Below is a comparison of the international travel insurance policies Australia Post has to offer (here at Mozo we don’t compare domestic travel insurance).

• Single Duo Family Group

Limits shown apply

Covid medical cover

Covid cancellation cover

Overseas emergency hospital expense

Overseas emergency medical assistance

Maximum excess

Cancellation fees

Pay extra for no excess

Luggage and personal effects

Additional accomodation & travel

Emergency companion

Resumption of journey

Hospital cash allowance

Accidental death

Permanent disability

Loss of income

Credit Card fraud and replacement

Travellers cheques

Travel documents

Rental vehicle excess

Alternative travel expenses

Personal liability

Pre existing conditions

Cardiovascular disease

Mental health illness

High cholesterol

High blood pressure

Blood thinning medication

Activities covered

Bungee jumping

Conservation work

Mountain biking

Mountaineering

Rock climbing

Scuba diving

Snow sports

Ocean Cruise

Assessment required, may cost extra

Basic Multi-Trip

Comprehensive.

Choose $0 to unlimited

Comprehensive Multi-Trip

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

What optional extras does Australia Post’s travel insurance offer?

Australia Post’s international travel insurance offers a number of add-ons. With both the basic and comprehensive cover you can choose your excess, choose between single or multi-trip cover, and choose to add cover for existing medical conditions.

With the comprehensive international cover, you can also choose to increase your single-item limit for personal effects cover and increase your rental car excess cover. 

If you want to tailor your cover a little more, you can also add cover for winter sports, cruises, or add cover if you plan to ride a motorcycle or moped while travelling.

What pre-existing conditions does Australia Post travel insurance cover?

Australia Post offers cover for some pre-existing conditions automatically subject to the criteria defined in the PDS. For others conditions a medical assessment is required and if cover is approved, an additional premium may need to be paid.  

It is also important to note that even if there is some cover provided for certain existing medical conditions, sub-limits and other conditions may apply. Read the full product disclosure statement (PDS) to see exactly how Australia Post defines medical conditions and what terms, conditions and sub-limits apply.

Is there a cooling-off period with Australia Post’s travel insurance?

Yes, Australia Post’s travel insurance policies come with a 21-day cooling-off period. This means that if your trip has not started and you have not made a claim on your policy or intend to make a claim on your policy, you may be able to get a full refund if you cancel within 21 days of purchasing it.

Does Australia Post’s travel insurance cover COVID-19?

Australia Post Travel Insurance includes some COVID-19 benefits, this includes   emergency medical expenses coverage on its International plans. Read up on the PDS for the full terms and conditions.

How to make a travel insurance claim with Australia Post?

You can lodge a travel insurance claim with Australia Post either online via the website, or by post. If it’s an emergency, you can also call Australia Post’s travel emergency assistance provider 24/7.  

To make your claim you will need to have some information handy, including medical or dental reports, police reports, reports from the airline or transport provider, reports confirming lost or stolen luggage, as well as relevant receipts or invoices.

Is there a time limit to submit a travel insurance claim with Australia Post?

Yes, travel insurance claims must be submitted as soon as possible and within 60 days of the return date listed on your policy. If you’re waiting on supporting documents, Australia Post recommends submitting your claim anyway, as you can always update your claim with supporting documents at a later stage.

Once submitted, Australia Post will aim to process your claim within 10 business days.

Australia Post customer reviews

The Mozo community has rated Australia Post travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

Australia Post travel insurance

Overall 7.7

Value for money

Policy coverage

Customer service

Claims handling

Recent Australia Post travel insurance customer reviews Recent Australia Post travel insurance customer reviews

Australia Post Travel Insurance review

Overall rating   1 / 10

Disaster, Left in agony without treatment for week

tortured with broken leg due to refusel of immediate treatmentleft with broken leg, no pain killers no cast for 2 weeks as they wanted to send me home for treatment to avoid paining medical in America. While waiting 2 weeks for them to organize my...

Full review

tortured with broken leg due to refusel of immediate treatmentleft with broken leg, no pain killers no cast for 2 weeks as they wanted to send me home for treatment to avoid paining medical in America. While waiting 2 weeks for them to organize my trip back to Australia I was left humiliated and in agony, having to crawl on my hands and knees even just to got to the toilet, then if I made it there it was often too late by the time I had to maneuver myself up and on to the toilet. I was unable to obtain a drink or a proper meal as I had no was of carrying it back. Partially approved with transport to Australia, still waiting on claim from airport transport to home. Finally received my travel cost to get home from airport after 10 weeks of numerous submissions

Value for money   7 / 10

Policy coverage   8 / 10

Customer service   2 / 10

Claims handling   3 / 10

Trust   1 / 10

Vivienne, Victoria, reviewed 6 days ago

Overall rating   10 / 10

i have assistanss in commenwelth bank so i'm happy

Thank you I know insurance very importent to us so i'm happy .

Thank you I know insurance very importent to us so i'm happy .

Value for money   10 / 10

Indrajeyaluxmy, New South Wales, reviewed 5 months ago

Bad service, never again

They don’t take care of their claims as they commit Ed to ( 10 days) it’s been over 35 days since we send the claim and every time we call they say they will call us back in 3-5 days but never call back. Such a disappointment from such a big...

They don’t take care of their claims as they commit Ed to ( 10 days) it’s been over 35 days since we send the claim and every time we call they say they will call us back in 3-5 days but never call back. Such a disappointment from such a big service provider

Value for money   1 / 10

Policy coverage   1 / 10

Customer service   1 / 10

Claims handling   1 / 10

Jacob, Queensland, reviewed over 1 year ago

Australia Post Home Contents Insurance review

Overall rating   7 / 10

amazing place all items have tracings

Amazing place all items have tracking so you can see where your parcel is and nice workers.

Value for money   9 / 10

Customer service   8 / 10

Claims handling   6 / 10

Trust   6 / 10

Mietta, Victoria, reviewed over 2 years ago

Policy coverage   10 / 10

Customer service   10 / 10

Claims handling   10 / 10

Trust   10 / 10

Ben, New South Wales, reviewed almost 3 years ago

Compare Australia Post travel insurance policies with other Australian insurance companies

Ready to jet set off overseas? Don’t be too hasty. Before you go, it’s well worth taking the time to compare the travel insurance options available to you, so you can find a policy that suits your budget, travel style and destination. There are a tonne of affordable, flexible options on the market, so do yourself a favour and compare them all with Mozo’s travel insurance comparison tool . Just plug in your travel dates, who will be travelling and where you’re going and we’ll do the rest! You can easily compare 237 travel insurance policies and choose the one that’s right for you.

While you’re there, hop across to our travel hub for heaps of great articles, tips and tricks on how to travel smart and save money. Be sure to drop by our Best $20 I’ve ever spent series for some tips from genuine globetrotters!

Compare Travel Insurance from major brands including:

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Who we are and how we get paid

Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising.

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• Get a quote
• Plan Options

Get a travel insurance quote

Australia Post Travel Insurance can help protect you from the unexpected, whether you're travelling the world or closer to home. To view cover options, we just need a little information from you.

About your trip

Where will you spend most of your trip, area of travel.

Where you travel to will influence your premium. You will need to choose/enter the main destination/country based on where you will spend the most time on your journey.

Travelling to the Americas or Africa? If you'll be spending 20% or more of your trip in the Americas or Africa, you must select "Anywhere in the world" or " Worldwide including the Americas or Africa" or enter and select a country of the Americas or Africa (no matter where you are going before or after).

What about a cruise?

In Australia (e.g. on the Murray River) or in Australian coastal waters (e.g. a Kimberley Cruise) - Please choose or enter "Australia"

From a port in Australia to another port or ports in Australia without any stopover at a port outside of Australia (e.g. a 'Sampler Cruise', a cruise from Sydney to Brisbane) - Please choose or enter "Domestic Cruising".

Overseas (e.g. a European river cruise, Caribbean cruise or a cruise from Hong Kong to Sydney) or from a port in Australia to another port or ports outside Australia (e.g. Sydney/Singapore) - Please choose or enter the main area or destination/country based on where you will spend the most time on your trip.

Looking for an Annual Multi-Trip policy? Please enter and select the country or region which will cover all the countries you plan on visiting over the year and where you will spend the most time taking into account the 20% rule above for the Americas and Africa. Cover includes domestic journeys if the destination is more than 250 kilometres from home or, if less than that, Your trip must include at least one night paid accommodation booked with an accommodation supplier or provider (including a hotel, Bed & Breakfast (B&B), serviced apartment or peer to peer service such as Airbnb).

• Not Sure? See region List
• Afghanistan
• All of Asia
• All of Europe
• All of the Middle East
• Czech Republic
• Faroe Islands
• Herzegovina
• Korea (south)
• Liechtenstein
• Moldova, Republic Of
• Netherlands
• Saudi Arabia
• Switzerland
• Turkmenistan
• United Arab Emirates
• Vatican City
• All of Africa
• All of North America
• All of South America
• All of the Americas
• Antarctica (Cruising)
• Antigua And Barbuda
• Anywhere in the world
• Ascension Island
• Bonaire, Sint Eustatius and Saba
• Burkina Faso
• Cape Verde Islands
• Cayman Islands
• Central African Republic
• Dominican Republic
• El Salvador
• Equatorial Guinea
• Falkland Islands
• French Guiana
• Guinea-Bissau
• Ivory Coast
• Netherlands Antilles
• Puerto Rico
• Reunion Island
• Sierra Leone
• Sint Maarten (Dutch part)
• South Africa
• St. Kitts and Nevis
• St. Vincent and Grenadines
• São Tomé and Príncipe
• Trinidad And Tobago
• United States of America
• Virgin Islands, U.S.
• Antarctica - Sightseeing Flight
• Norfolk Island
• All of South Pacific
• All of the Pacific
• American Samoa
• Australia - Domestic Cruise
• Cook Islands
• French Polynesia
• New Caledonia
• Papua New Guinea
• Solomon Islands
• South West Pacific Cruise
• Guernsey (Channel Islands)
• Jersey (Channel Island)
• Northern Ireland
• Federated States of Micronesia
• Lao People's Democratic Republic
• Marshall Islands
• Northern Mariana Islands
• Philippines
• New Zealand

When are you going?

When is your trip .

Enter the dates you leave home and arrive home. Consider time differences/zones and travel times.

If you've already left home and are on your trip, this cover is subject to a 3-day no-cover period.

Current age of travellers

Do all travellers:

Currently live in Australia and hold a valid Australian Medicare card or visa allowing them to live, work or study in Australia?

Check our travel alerts and advisories for known world events that may affect the cover.

COVID-19 Cover for Overseas Medical Expenses. Further terms and conditions apply, including:

• $Unlimited ~medical cover is included under Section 1: Overseas Medical Expenses (including emergency repatriation/evacuation) if you're diagnosed with COVID-19 overseas. (~ Cover will not exceed 12 months from onset of the illness)
• Includes 24/7 Overseas medical and emergency assistance.
• This policy does not cover any claims for amendment or cancellation costs caused by, or related to, COVID-19.
• There is no COVID-19 cover for travel to a country on Smart Traveller's Do Not Travel list , border closures or travel bans.

You have a duty to take reasonable care not to make a misrepresentation when entering this contract of insurance.

By continuing, you acknowledge and understand the above.

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Visiting Australia? Consider Travel Insurance

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Table of Contents

Different types of travel insurance

Do you need travel insurance for australia, which credit cards offer australia travel insurance, other ways to get travel insurance, if you want to get travel insurance for australia.

Now open to tourists after two years of pandemic-related closures, Australia is back on many travelers’ wish lists, and for good reason. Whether you’re interested in surfing on the Gold Coast, taking a road trip through the Outback or diving along the Great Barrier Reef, there are a lot of options to consider. But with so many adventurous — and potentially dangerous — activities, you may also want to think about purchasing travel insurance.

Let’s take a look at the different types of travel insurance for Australia, which credit cards provide complimentary coverage and other ways you can acquire insurance for added peace of mind.

A must-have for many, travel insurance can help cover unexpected costs related to travel mishaps, medical incidents or evacuations. However, not all travel insurance is created equal. There are a variety of types available for every kind of situation, and you’ll need to do some research to understand what’s worth purchasing and what might not be necessary.

Here are some common types of travel insurance:

Trip cancellation insurance . Used to recoup costs when you cancel a trip due to something unanticipated, like a medical issue.

Trip interruption insurance . Reimburses you for travel costs when you need to cut a trip short and return home unexpectedly.

Baggage loss insurance . Provides reimbursement when your baggage is lost, damaged or stolen.

Emergency evacuation insurance . Covers costs related to evacuating you to a different location, either for medical or safety reasons.

Travel medical insurance . Used to cover medical costs while traveling, either as a primary or secondary insurer, depending on the type of coverage you purchase.

Cancel for Any Reason insurance . A supplemental insurance that provides partial reimbursement of nonrefundable travel costs when you cancel a trip for any reason.

Rental car insurance . Covers costs related to damage or repair of a rental vehicle. This can be especially useful when renting a car in another country.

Accidental death insurance. Similar to life insurance, this coverage provides payment to a person of your choosing in case of death while you’re traveling.

You may also want to consider finding insurance that covers COVID quarantine costs. Not all policies include this coverage, so you’ll want to be sure it’s included if it’s important to you.

» Learn more: The best travel insurance companies, according to Nerds

While it’s not required for entry, it may be a good idea. Travel insurance can come in useful just about anywhere, especially because it’s difficult to anticipate things like travel delays and accidents.

If you’re fairly confident about your travel plans, you may be comfortable with the insurance provided by your credit cards, though be aware that they may have lower limits than you’d like.

Otherwise, purchasing a travel insurance policy is always an option. Keep in mind that rates will vary according to your travel destination, dates of travel, ages and total trip cost.

» Learn more: What you need to know before shopping for travel insurance

Even if you’ve decided not to buy travel insurance, you may already have some coverage. Plenty of travel cards include some form of complimentary travel insurance, though the types — and limits — you receive will vary depending on which card you hold.

Many Chase credit cards offer primary rental car insurance, which will cover you in the event of an accident without needing to involve your personal auto insurance company. You’ll need to decline the rental car company’s coverage and pay with your eligible Chase card .

You can find trip delay insurance, emergency medical evacuation, lost baggage coverage and more among the different protections offered by these cards. Here are some of the more common travel cards that provide complimentary travel insurance.

Chase Sapphire Preferred® Card .

Chase Sapphire Reserve® .

The Platinum Card® from American Express . Terms apply.

Capital One Venture X Rewards Credit Card . (Benefits may change over time.)

United℠ Explorer Card .

You’ll want to read each card’s benefits guide very carefully before deciding which card to use. For example, both the The Platinum Card® from American Express and the Chase Sapphire Reserve® offer lost luggage insurance. Terms apply.

However, insurance from the The Platinum Card® from American Express only applies in the event that you’ve either paid for the full fare with your AmEx card or have redeemed your AmEx points for the flight. Using your card to pay the taxes and fees on an award flight you’ve booked elsewhere — such as redeeming Delta SkyMiles for your flight — does not mean that you’ll receive insurance coverage benefits. Terms apply.

This is in contrast to the Chase Sapphire Reserve® , whose lost luggage benefit is much more generous. In the event that your luggage is lost, you need only have paid the remainder of the charges for the flight after redeeming reward miles, points, coupons or other certificates. This means that charging just the taxes and fees on your card renders you eligible for benefits.

Aside from American Express and Chase cards, you may also want to consider the Capital One Venture X Rewards Credit Card .

Capital One’s offering includes a plethora of travel insurance benefits, including primary rental car insurance, travel accident insurance, trip cancellation and interruption insurance, lost luggage reimbursement, trip delay reimbursement, travel and emergency assistive services and more. Of course, in order to qualify for these benefits, you’ll need to have charged the trip to your card. Benefits may change over time.

» Learn more: The best credit cards with travel insurance

Even if your card provides complimentary travel insurance, you may also want to consider acquiring an additional policy — especially if you’re planning on some of the more adventurous activities you’ll find within Australia, such as camping in the Outback.

Health insurance benefits provided by credit cards such as the Chase Sapphire Reserve® max out at relatively low levels, which may mean you end up paying out of pocket in the event of an emergency.

If you’re looking for a supplemental policy, you’ll want to check quotes from a variety of providers. You can do this manually, but websites such as Squaremouth will compare multiple policies at once, making it much easier to peruse offerings. You can also filter your search according to the type of coverage you’d like.

» Learn more: Is travel insurance worth it?

Travel insurance can provide peace of mind to the wary traveler. Whether or not you’re interested in purchasing travel insurance, a variety of credit cards offer complimentary coverage for incidents such as trip delays, emergency medical care, rental car collisions and lost luggage.

Otherwise, you may want to consider buying an additional policy to ensure that you’re covered. If this is what you’re looking to do, make sure to acquire quotes from a variety of providers in order to find the best deal possible.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

I'm a financial planner, and I'd recommend annual travel insurance to anyone who loves to travel abroad

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Frequent and spontaneous travelers will likely benefit from annual travel insurance policies.
• Your credit card may come with some travel protections, but it may not be enough.
• When choosing a policy, look at what it covers, not just what's cheapest.

Summer is just a few months away — and if you're planning a vacation this year, the last thing you want is an unexpected event to derail your plans (and cost you hundreds).

Flights get delayed or canceled constantly. Luggage disappears into the ether. Medical emergencies occur in remote destinations. Yet many jetsetters simply cross their fingers and hope for the best rather than prepare for the worst.

That's why, as a financial planner, I believe it's crucial to consider protecting your trips with the right insurance coverage. One option often overlooked, particularly by frequent travelers, is annual travel insurance .

Annual travel insurance covers all your trips within 365 days. Unlike stand-alone travel insurance, which only covers you for a specific trip, an annual policy covers any trips you take within the year.

That's why I tell clients who travel frequently that an annual policy is a good choice for their needs. By opting for an annual plan, you don't have to go through the hassle of booking multiple policies and potentially save money compared to purchasing individual trip coverage. Here's how it works.

What to look for in a policy

While specifics may vary depending on the insurer and plan tier, most include the following key benefits:

• Trip cancellations or interruptions: You may be able to get reimbursed for expenses (even nonrefundable ones!) related to an illness, injury, or natural disaster that forced you to cancel or cut your trip short.
• Emergency medical and dental care: If you fall ill or get injured while traveling, your insurance can help cover the cost of medical treatment.
• Emergency evacuation: In a serious medical emergency or security situation, your policy will arrange and pay for transportation to a hospital or back to your home country.
• Lost, delayed, or damaged baggage: If your luggage is lost, delayed, or damaged during your trip, you can get financial coverage for essential items while you wait for your stuff to be recovered or replaced.
• Trip delays and missed connections: When your travel plans are disrupted due to issues like mechanical problems or severe weather, you may get reimbursement for additional expenses incurred, like meals, lodging, and transportation.

It's important to note that annual travel insurance plans have limitations. Certain high-risk activities, pre-existing medical conditions, and travel to specific regions may be restricted or require additional coverage.

Some travelers may assume that their credit card's built-in travel protections are enough. While many travel rewards credit cards offer perks like rental car insurance, trip cancellation, and baggage reimbursement, the coverage limits are often much lower than a dedicated annual travel insurance plan.

Credit card coverage for emergency medical care is also particularly limited — capped at a few thousand dollars — which may not be enough in the face of a major international medical emergency.

How much travel justifies an annual plan?

For the occasional traveler who takes one or two trips a year, single-trip policies will probably work for you. But if you fall into any of these buckets, you may want to consider an annual policy:

• Regular international travelers (three or more trips abroad yearly)
• Road warriors frequently away for work
• Adventurers engaging in high-risk activities like heli-skiing, scuba diving, or mountain climbing
• Cruisers and tour group travelers
• Students or retirees taking extended trips throughout the year
• Those visiting developing countries with limited medical care

Annual plans cover all of your trips within a 365-day period after purchasing. They're basically a bundle of multiple policies into one package deal. This means you only have to buy one policy to manage, locking in your coverage for the year.

How to decide if an annual policy makes sense for you

Start by reviewing your travel plans this year — and your risk tolerance. Calculate how much buying individual travel insurance policies would cost you over the next year and compare it to the price of an annual plan.

Don't just focus on the premium — carefully evaluate coverage limits, exclusions, and deductibles to ensure you have enough protection for your needs.

An annual policy gives you the flexibility to take spontaneous trips without the hassle of obtaining last-minute insurance. More importantly, it provides peace of mind, knowing that you're covered for a wide range of travel disruptions and emergencies.

As the busy summer travel season ramps up, definitely explore protecting your trips with insurance, especially if you're jetting off internationally. Spending hours on the phone trying to rebook canceled flights or worrying about affording an overseas medical emergency is no way to vacation.

• Main content

Compare travel insurance plans

Compare our plans

More information.

Learn more about:

• International Comprehensive
• Basic International

For a detailed travel insurance comparison , download our  Product Disclosure Statement and Financial Services Guide (PDF 696kb) . 

Do you have an existing medical condition ?  Find out if you're covered

Frequently asked questions

1 Medical and dental cover will not exceed 12 months from onset.

2 Sub-limits apply. 

3 Maximum liability collectively for Loss of income, Accidental Death and Disability is $25,000 on the International Comprehensive Plan.

4 Maximum liability collectively for Accidental Death and Disability is $10,000 on the Domestic Plan.

5 Cover chosen applies per policy.

6  Limits, sub-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 457551). Travel insurance products are underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Consider your financial situation, needs and objectives and read the relevant Product Disclosure Statement before deciding to buy this insurance. For information on the Target Market and Target Market Determination for these products, please contact us on 1300 728 015, email [email protected] .

Australia Post acknowledges the Traditional Custodians of the land on which we operate, live and gather as ​a team. We recognise their continuing connection ​to land, water and community. We pay respect to Elders ​past, present and emerging.

• Travel Insurance

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Travel Insurance For Singapore: The Complete Guide

Updated: Apr 4, 2024, 12:29pm

Table of Contents

Featured Partners

Singapore Travel Insurance

What does travel insurance for singapore cover, can i tailor my travel insurance for singapore, what does travel insurance for singapore exclude, how much does travel insurance for singapore cost, how can i compare travel insurance for singapore, frequently asked questions (faqs).

Singapore has long been a holiday favourite for Australians, either as a stop-over city on the way to Europe or the Middle East or as base for exploring Asia. According to the latest figures from data portal, Statista, 566,000 Australians visited the country in 2022.

If you’re also planning to visit, travel insurance for Singapore can safeguard your trip against a number of potential mishaps, such as falling ill while away, losing your luggage and belongings or even needing to cancel the trip before it’s even begun. Singapore is a safe country, but the cost of medical care is high.  Find out more about how travel insurance for Singapore works below.

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Cancellations

Unlimited, (Trip Disruption $50,000)

Rental Vehicle Excess

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

Medical cover

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance (Comprehensive)

Option of Cruise Cover

Unlimited medical

Yes (some sub limits apply)

There are three main types of travel insurance policy for Singapore. These are:

• Single trip: for a one-off trip in the space of 12 months to Singapore
• Annual multi-trip : for more than one trip in the space of 12 months to Singapore or various destinations. This type of cover can work out more cost-effective than buying multiple single trip policies but not always so it’s best to compare both types of cover.
• Long-stay/backpacker : for an extended stay in Singapore, of typically 60 or 90 days, or 12 or 18 months. Cover for 24 months may be available, from certain providers.

When applying for travel insurance online, you’ll first be asked to enter your holiday destination. Depending on the insurer, you’ll need to click on Singapore, Asia or Worldwide travel excluding the US and nearby destinations such as Mexico, the Caribbean, Canada and Greenland. The latter option excludes a part of the world where medical costs are the highest, which in turn, bumps up the cost of cover. If you’re also planning to travel to the US, for example, there are separate worldwide policies that include it as a destination.

Insurers usually offer at least two or more types of travel insurance policy from basic or comprehensive cover and anything in between. Comprehensive policies offer the highest cover levels and widest range of benefits.

A key component of all travel insurance policies is emergency medical cover. You’ll find a comprehensive policy for Singapore will often offer an unlimited amount.

The standard of medical facilities and care in Singapore is similar to, or higher than in Australia, and the cost often much higher, so medical cover can prove a vital resource should you fall ill, or get injured, while away.

Note that in the case of an emergency, you’ll likely need to pay up-front first, and then reclaim the costs from your insurer, or confirm payment from your insurer with a hospital before it will provide treatment.

As standard, travel insurance for Singapore can also cover repatriation and emergency rescue, in severe medical cases, the loss or theft of your baggage and belongings and trip cancellation if you can no longer travel for reasons such as falling ill, suffering a bereavement or losing your job.

They will also likely include an array of other forms of protection, providing the most at comprehensive level. This includes cover for lost or stolen money, passports and documentation, missed departures, online fraud, and travel delay. The types of cover on offer, and cover limits, will vary between providers. You can find exactly what a policy includes in its product disclosure statement (PDS), which is usually found on an insurer’s website.

There are a number of ways you can ensure your policy fits your needs. Many insurers offer optional add-ons that you can purchase if you need specialised cover. These include insurance for gadgets (such as a smartphone or laptop), a cruise and playing golf.

If you’re thinking of participating in more high-octane activities, check your policy’s PDS. Many cover around 100 or so sports automatically. Cover for what an insurer classes as high-risk activities, such as skydiving, bungee jumping, outdoor rock climbing, and activities requiring a set of wheels, such as quad biking, may require purchasing an additional ‘sports pack’ for your policy.

While reading through a policy’s PDS, it’s crucial to also take note of any limitations of cover. These can differ between policies, but generally you can expect most insures to refuse claims relating to a pre-existing condition. This is a medical condition you had before taking out the policy. The insurer may not cover such conditions, or may refuse your claim if you did not declare your condition on applying for the policy.

An insurer is also unlikely to accept claims for an injury caused by taking part in a sport or activity where you did not wear the appropriate safety gear, such as a helmet, knee pads or a harness. Claims resulting from disorderly behaviour or being under the influence of drink or drugs will also likely be rejected.

It’s best to regularly check government advice for your destination, which it publishes on its Smartraveller website. This includes warnings about natural disasters, terrorism threats and pandemics. Visiting Singapore, or a part of the country, if the government puts it on its “do not travel” list, could invalidate your policy.

The amount you’ll need to pay for your travel insurance policy will depend on a range of factors. An insurer will consider your holiday destination, associated costs when travelling there and the length of time you’ll be travelling.

The price of a policy can rise for mature travellers and those with pre-existing conditions, as insurers view these travellers as more likely to claim on their policy.

To provide an idea of how much travel insurance for Singapore can cost, we ran quotes on the sites of the insurers we’ve rated the top five for travel insurance.

We used the profile of a family of four, aged 42, 40, 14 and 12, spending 13 to 26 May in the country, and assumed they have no pre-existing conditions, (although these providers do offer cover for pre-existing conditions should you need it).

We found basic cover ranged from around $106 to $202, while comprehensive cover started at around $241, with the most expensive policy costing just under $304.

Before choosing a policy, it’s important to shop around. An easy way to do this is to run quotes on the websites of various insurers and compare factors such as the type of cover a policy includes and cover levels against price.

To help you with your search, we’ve conducted some research and found our pick of the best comprehensive travel insurance policies .

Is travel insurance for Singapore worth it?

While travel insurance for Singapore isn’t mandatory, it can be considered a travel essential if you have no other means of covering emergency costs while away.

Emergency medical fees can easily stack up to thousands of dollars alone, and without travel insurance in place, you would have to cover them out of pocket. Travel insurance also can cover a number of eventualities that we often fail to consider, such as an airline, transport company, or accommodation provider going bust.

What is ‘excess’ in insurance?

An excess is a set amount you’ll be expected to pay on each approved claim. It’s usually levied per person on the policy, per event, per claim, but you can check the PDS for the specifics concerning your insurer. You usually can pick from a range of excess amounts, from $50 to $250 on average, when taking out a policy.

The more you choose to pay in excess, the lower your policy premium—the cost of your policy—typically will be, while paying less in excess will raise the cost. An excess is usually deducted from a claim amount, so you won’t need to pay for it out of pocket. However, it’s still crucial that you make sure it’s affordable.

Can I buy a policy while I’m in Singapore?

Some providers won’t cover a holiday if it’s already started. Others may cover you, but apply a waiting period of around 72 hours before you can claim.

The best time to take out travel insurance is as soon as you’ve booked your holiday, as you’ll be immediately covered for trip cancellation. Insurers are highly unlikely to consider claims resulting from something that happened before you took out the policy.

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• Fast Cover Travel Insurance Review
• Travel Insurance Saver Review
• Allianz Comprehensive Travel Insurance Review
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• Australia Post Comprehensive Travel Insurance Review

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I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.