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Post Office Travel Insurance: A Getting Started Guide from the Experts!

The Post Office is regarded as the largest retail network in the UK as well as the largest financial services chain that’s been there for more than 370 years. However, apart from that, the company also offers insurance products, one of which is the post office travel insurance.

In this article, we’re going to talk about everything you need to know which regard to this particular travel insurance. But before that, let’s have a look at the achievements of the Post Office regarding insurances.

What is the Post Office?

Post Office has been voted the “Best Travel Insurance Provider” for 9 straight years starting from 2006 to 2015. Apart from that, it also received the Silver award from the British Travel Awards in 2016 and 2017.

As a massive network, the Post Office offers a wide range of options when it comes to their insurance policies. One of them is the rudimentary budget cover through the Super Economy Travel Insurance. There’s also the Premier Plus policy which provides complete coverage.

Primary Insurance Policies Offered

There are three main types of travel insurance policies offered by the Post Office, namely annual multi-trip, backpacker travel cover, and single trip.

Let’s have a breakdown of each of these policies:

Single Trip

The single trip insurance will provide coverage depending on your age when you obtain your insurance policy. The Post Office website states that those who are below 71 will be covered 365 days per trip. Meanwhile, those who are 71-75 will be covered 90 days and individuals 76-85 are only covered for 31 days.

As the name implies, a single trip policy will cover for you if you plan to take a single trip in the near future.

Annual Multi-trip

The multi-trip policy allows you to spread your trip abroad using a voluntary add-on. You can receive coverage of around £10 million for a medical emergency. They also have a 24/7 medical emergency helpline available.

This policy is perfect if you plan to travel several times a year without having to go through the hassles of obtaining concealment every single time.

For the single and multi-trip policies, there are five different levels available.

Here’s a detail detailing these levels alongside other important details:

All of the levels come with a personal liability cover ranging from £1-3 million. However, the Super Economy comes with various extras like death, personal accident, personal money, hospital benefits, and passport cover.

Backpacker Travel

The backpacker travel insurance is designed for backpackers who are price aware. As such, the Post Office provides two coverage options for them: Economy and Super Economy.

The two policies will provide coverage for up to 18 months. Moreover, you can come back home 3 times within a span of seven days. However, you have to keep in mind that the coverage doesn’t apply if you’re in the UK.

This is often the best option if you plan an adventure trip as it covers you from sharks to safaris and more. The policy can be availed of by anyone between 18 and 60 years old. You can also avail of additional cover for business, cruise, golf, and winter sports and add any of them in the above policies but for an extra cost.

Other Policies Offered

Apart from the major insurance policies offered by the Post Office, there are also several other policies which are as follows:

This is perfect for individuals who plan to go on a golfing holiday . Through this policy, you can enjoy the following:

• Protection in case you can’t play due to injury or poor weather
• Coverage against injury personal liability cover and while playing
• Coverage for your golfing equipment against theft

Cruise Cover

If you plan to enjoy the luxury of a cruise, then this policy is for you. It protects you from any unforeseen risks that might come along with cruise holidays. It comes with the following features:

• Coverage for a delayed transport
• Coverage for damage or stolen evening dress
• Replacement of any lost or misplaced damaged

Winter Sports Cover

Winter sports do come with their own risks, but this policy will ensure that you can still have fun despite that. It comes with the following inclusions:

• 24/7 medical assistance
• Coverage for sports like ice skating and snowboarding
• Protection from any injuries
• Protection for a damaged or stolen equipment

Worldwide Cover

This policy ensures that you won’t suffer from any issues with your insurance when you go traveling around the world. It comes with the following features:

• Emergency repatriation
• 24/7 medical emergency helpline
• Replacement for lost or stolen documents
• Financial coverage for medical treatment in the event of injury or illness when traveling

Pre-Existing Medical Condition

Post Office’s coverage for a pre-existing medical condition ensures that you can get to have fun and enjoy life despite your condition. It includes the following features:

• Quick and easy repatriation
• Treatment monitoring
• Payment for any medical expenses while you’re traveling

Family Cover

This is the perfect policy if you plan to travel together with your policy. This will allow you to avoid any hassles that come with obtaining individual policies for each of your family members. It includes the following:

• Maximum of £10 million emergency medical coverage in the event of injury or illness while traveling
• Assistance during a vehicle breakdown missed departure or delayed public transport

Cost and Coverage

One of the main reasons why the Post Office travel insurance has managed to outdo most of its competitors in the market is its very cheap cost. In fact, it has the cheapest insurance quotes available on the market.

When it comes to coverage, Post Office covers all basic forms of coverage including property damage, comprehensive coverage, and bodily injury liability among others. However, you can also gain access to special kinds of coverages that are exclusive to Post Office travel insurance members.

These special coverages come in the form of emergency road service, rental reimbursement, and mechanical breakdown insurance.

Policy Exclusions

These are the general exclusions that apply to any of Post Office’s travel insurance policies:

• Claims due to war or act of terrorism
• Traveling for the purpose of receiving treatment overseas
• Traveling without heeding the advice of a medical professional
• Personal injury caused intentionally
• Taking part in an organized sports competition

Other Important Information about the Post Office Travel Insurance

• Apart from providing coverage for any personal injury or illness sustained while traveling abroad, the Post Office will also offer guidance, assistance, and advice regarding legal proceedings and obtaining proper compensation.
• When applying for any of their travel insurance policy, you can also choose to add an Excess Waiver. This will allow you to reduce your excess to zero, thereby removing the need to contribute to the cost of your claims. However, be prepared to spend an additional cost for this.
• Even though there are only a few travel insurance providers that cover business travel, the Post Office’s policy will provide coverage for business travel that can greatly help professionals abroad. This policy will provide coverage for emergency couriers, employee replacement, equipment hire, computer equipment, and business money. This is only optional.
• Not all optional cover types can be added to every policy type. Only the Cruise cover is applicable for the Premier and Premier Plus policies. Meanwhile, the Golf and Business cover is only applicable to Standard, Premier, and Premier Plus.
• Various holiday activities and sports will be covered by the Post Office under the Standard policy. However, riskier activities like sailing and jet skiing won’t be covered for any personal accident claims.

Are there any special policy rules for pregnant women who travel?

There are certain limitations for pregnant women who want to travel.

In line with the Complications of Pregnancy and Childbirth policy, coverage for pregnant women will only include the following:

• Ectopic pregnancy
• Emergency Caesarean sections and medically necessary termination
• Gestational hypertension
• Hydatidiform mole
• Hyperemesis gravidarum
• Placental abruption
• Placenta praevia
• Pre-eclampsia
• Postpartum hemorrhage
• Retained placenta membrane
• Stillbirths and miscarriage
• Premature births more than 8 weeks before the expected delivery date

Will the policy provide cover during a war or terrorist act?

Unfortunately, you won’t be covered for any terrorist act that doesn’t involve the use of chemical agents and nuclear weapons.

How many people are included in a family?

A family can either consist of a couple or a group consisting of up to 8 travelers.

It can also include a person with his/her partner, dependent children, and dependent grandchildren below 18 years of age. Keep in mind that you will have to pay the appropriate premium for this.

Wrapping Things Up

Post Office is one of the leading health insurance companies in the UK. With their wide range of travel insurance policies, you will be able to enjoy peace of mind as you go traveling into other countries.

The best part is, the policies offered by the Post Office are one of the most affordable options currently on the market.

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Post Office Travel Insurance – Everything You Need to Know

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

We see your suitcase is packed and your passport is ready. But before you dash off to your dream destination, let’s talk about that non-negotiable travel buddy: insurance.

Not just any insurance, but Post Office Travel Insurance. Here’s everything you need to know.

In this article...

Post Office Travel Insurance: An Introduction

Post Office Travel Insurance isn’t a boring old postal service. It’s a lifeline for travelers, offering a safety net across the globe. It’s been awarded the ‘Best Travel Insurance Provider’ by the British Travel Awards for 12 consecutive years – pretty impressive, right?

Their policies are designed to cover various unexpected events during your journey, from medical emergencies to travel disruptions.

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Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

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Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Decoding the Types of Post Office Travel Insurance

Here’s the good news: Post Office Travel Insurance isn’t a one-size-fits-all policy. They offer different types of cover to suit your unique travel needs. Here’s a quick run-through:

• Single Trip Insurance: Perfect for one-off adventures, this covers you for a single holiday or business trip.
• Annual Multi-Trip Insurance: If you’ve got a severe case of wanderlust and plan multiple trips in a year, this policy has got you covered.
• Backpacker Insurance: Designed for the intrepid globetrotter, this policy covers long trips and even working holidays.
• Over 50s Travel Insurance: Tailored for travelers over 50, this policy offers comprehensive cover and no upper age limit.
• Family Travel Insurance: A policy that protects the entire family under one umbrella. It often includes free cover for children.

The Perks and Protection: What’s Covered?

A key part of choosing your travel insurance is understanding the cover provided. Post Office Travel Insurance offers protection against:

• Medical Emergencies: From sudden illness to injury, your medical expenses are covered. This includes hospital fees, transport, and even a return journey if needed.
• Cancellation and Curtailment: If you have to cancel or shorten your trip due to unforeseen circumstances, you’re protected against any financial loss.
• Baggage Loss: Say goodbye to worries about lost luggage. If your baggage goes on an adventure of its own, the Post Office has got you covered.
• Travel Delays: Stuck at the airport due to delayed or cancelled flights? You’re eligible for compensation.
• Personal Liability: If you cause harm to someone or their property, the policy has got your back.

Remember, it’s crucial to read the policy document carefully to know exactly what’s covered.

Post Office Travel Insurance vs Private Travel Insurance: Comparison

Of course, the Post Office isn’t the only game in town when it comes to travel insurance.

There are plenty of private companies offering competitive policies. So how does Post Office Travel Insurance stack up against them? Let’s have a closer look.

Post Office Travel Insurance

Post Office Travel Insurance shines in its comprehensive coverage . It’s a solid choice for many travelers, thanks to its broad variety of plans , from single trips to annual multi-trips.

Here’s a snapshot of what makes it stand out:

• Range of Policies: With policies tailored to backpackers, over-50s, families, and frequent flyers, the Post Office caters to a wide demographic of travelers.
• Broad Coverage: They provide extensive coverage, including medical emergencies, cancellation, curtailment, lost baggage, and travel delays.
• Ease of Application: The application process is user-friendly and straightforward, with the ability to apply directly through their website.

Private Travel Insurance Companies

Private travel insurance companies, like World Nomads and Allianz Travel, bring their unique strengths to the table. Here’s what they offer:

• Specialist Coverage: Some private companies specialize in certain types of coverage. For example, World Nomads is renowned for its adventure travel insurance, covering over 200 adventure activities.
• Flexible Policies: Many private insurers offer the flexibility to extend your coverage or adjust your policy even after your journey has begun.
• Additional Benefits : Some private insurers offer extra perks. For example, Allianz Travel provides coverage for rental car damage or theft as part of their policies.

In the end, the best travel insurance for you will depend on your individual needs and travel plans. It’s important to closely examine each policy’s offerings, exclusions , and price before making a decision.

While Post Office Travel Insurance offers a one-stop-shop solution with policies for every type of traveler, private insurers may provide more specialized coverage or added flexibility.

Be sure to weigh your options carefully to choose the policy that’s the perfect fit for your journey.

Easy-Peasy Application Process

Applying for Post Office Travel Insurance is as breezy as a walk in the park. Simply hop onto their website, choose your policy, fill in your travel details, and hit apply. You’ll then receive a quote. If you’re happy with it, proceed to payment. Boom! You’re insured.

The Final Word

Post Office Travel Insurance is all about taking the worry out of your wanderlust, offering a safety net that lets you savor your adventures fully. And remember, always travel insured because no trip should be a gamble.

1. Is Post Office Travel Insurance good?

With numerous awards under its belt and a wide range of comprehensive policies, Post Office Travel Insurance is certainly a strong contender in the market. However, as with any insurance, ensure it fits your personal needs before purchasing.

2. How do I make a claim with Post Office Travel Insurance?

Making a claim with Post Office Travel Insurance is straightforward. You can make a claim online on their website, or call them on their claims line. Remember, always have your policy number and relevant documents handy when making a claim.

3. Can I get a refund if I don’t use my Post Office Travel Insurance?

If you cancel your Post Office Travel Insurance within 14 days of purchase and haven’t made a claim or started your trip, you can receive a full refund. After 14 days, the refund policy may vary.

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Let your customers pay for merchandise and shipping when they receive the package. You also get insurance coverage up to $1,000 based on amount to be collected or amount of insurance coverage desired, whichever is higher.

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1. Insurance coverage is provided against lost, damage, or missing contents and is limited to a maximum liability of $100 when the pieces bear an Intelligent Mail package barcode (IMpb) or USPS retail tracking barcode and the mailer pays retail or commercial prices. For more details, see the Domestic Mail Manual Section 503.4 . Back ^ 2. Form 3818 by mail only. Back ^ 3. When purchased at the time of mailing with Certified Mail, COD, insurance (for more than $200), or Registered Mail. Restrictions apply. Back ^ 4. Available with USPS Marketing Mail packages when bulk insurance (for more than $200) is purchased at the time of mailing. Back ^ 5. When purchased at the time of mailing with COD or insurance (for more than $200). Back ^

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Post office travel insurance.

Traveling is an exciting adventure that offers numerous opportunities for discovery, exploration, and growth. However, like any journey, there are risks that come with it. That’s where travel insurance comes in. In this article, we’ll examine Post Office Travel Insurance, what it offers, and how it can benefit travelers like you.

What is Post Office Travel Insurance?

Post Office Travel Insurance is a type of insurance policy that aims to protect travelers from unexpected risks that may arise during their trip. These risks may include trip cancellations or delays, lost or stolen luggage or personal belongings, medical emergencies, and other incidents that can disrupt a traveler’s journey.

What are the Benefits of Post Office Travel Insurance?

Post Office Travel Insurance offers various benefits to travelers, including:

• Comprehensive coverage for a range of travel-related risks
• Flexibility and customizability to suit travelers’ unique needs
• A 24/7 helpline for emergency support
• Competitive prices and transparent policies

These benefits can help travelers enjoy peace of mind and confidence during their trip, knowing that they’re protected in case of unexpected events.

What Types of Travel Insurance Does Post Office Offer?

Post Office Travel Insurance offers various types of travel insurance policies, including:

• Single Trip Travel Insurance
• Annual Multi-Trip Travel Insurance
• Backpacker Travel Insurance
• Winter Sports Travel Insurance
• Family Travel Insurance
• Cruise Travel Insurance

Each policy caters to different types of travelers and their unique needs. For example, the Single Trip Travel Insurance is ideal for those taking a one-time trip, while the Annual Multi-Trip Travel Insurance is best for frequent travelers. The Backpacker Travel Insurance is designed for those taking an extended trip, while the Winter Sports Travel Insurance provides coverage for winter sports activities like skiing and snowboarding.

How Much Does Post Office Travel Insurance Cost?

The cost of Post Office Travel Insurance depends on various factors, such as the type of policy, the duration of the trip, the traveler’s age, and the destination. Typically, policies start from as low as £4.20 for Single Trip Travel Insurance and £42.00 for Annual Multi-Trip Travel Insurance, making Post Office Travel Insurance an affordable option for many travelers.

How to Buy Post Office Travel Insurance?

Buying Post Office Travel Insurance is quick and easy. Interested travelers can purchase a policy online, over the phone, or in selected Post Office branches. They just need to provide some basic information about their trip, destination, and personal details, and they’ll receive a quote and policy instantly.

Post Office Travel Insurance is a valuable investment for travelers who want to protect themselves from unexpected risks during their trip. With comprehensive coverage, competitive prices, and flexible policies, it’s a reliable option for many types of travelers. By choosing Post Office Travel Insurance, you can enjoy peace of mind and confidence during your adventures, knowing that you’re protected.

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

2  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 PDS and TMD before deciding to buy this insurance. For more information on 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.

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Help and support Travel Insurance FAQs

Common questions about our cover and optional add-ons.

• About our travel insurance
• Flight cancellations, delays and missed departures
• Medical Assistance Plus and Flight Delay Assistance Plus
• Gadget Cover optional add-on
• Claims, cancellations, renewals and complaints

Buying travel insurance 

Can i buy travel insurance at my local post office branch.

Yes, you can buy our travel insurance at over 3,800 Post Office branches. If your nearest branch can’t issue travel insurance, you can buy travel cover online . Or call 0330 123 3690 (1)

I don't live in the UK. Can I take out a Post Office Travel Insurance policy?

We’re sorry, but no. Our policies cover UK residents only (including those in the Channel Islands and Isle of Man).

My partner and I live at separate addresses. Can we still buy family cover?

Family cover is available on Post Office Travel Insurance single-trip and annual multi-trip policies.

It covers a person and their husband, wife, civil partner or Common Law Partner (who must be residing with them). It also covers any dependent, adopted or fostered children or grandchildren aged under 18.

Family cover is not available on our backpacker policies.

Is there an age limit for single-trip and annual multi-trip travel insurance policies?

There’s no upper age limit for single-trip policies. For annul multi-trip policies you need to be 75 or under.

Is there an age limit for backpacker travel insurance policies?

Yes, you must be aged between 18 and 60 years of age when your policy starts.

Backpacker policies are only available on our economy level cover.

Covid-19 cover and trip durations

Does post office travel insurance include coronavirus cover.

All new Post Office Travel Insurance policies include a degree of cover against Covid-19 related disruptions, such as cancellation, curtailment and medical costs in some circumstances.

You can find out more about what's covered for coronavirus on our policies on our travel insurance Covid-19 FAQs page.

We also offer a trip disruption cover option that provides protection in other scenarios. These include missed departures or changes in testing and quarantine rules.

How long can I travel for on my Post Office Travel Insurance policy?

It depends on the level of cover.

Policies sold from 31 March 2022 to 27 March 2024

Single-trip travel insurance covers you for trips of up to:

• 365 days (for persons aged up to and including 70 years)
• 90 days (aged 71 to 75)
• 31 days (aged 76 and above).

Annual multi-trip policies cover you for: 

• 17 days per trip (with economy and standard cover levels)
• 31 days per trip (premier cover).

If you pay the appropriate extra premium, this can be extended to:

• 31, 45 or 60 days (economy, standard) 
• 45 or 60 days (premier)

You can take as many trips as you like as long as you’re not away for more than 183 days in the policy year.

Our backpacker travel insurance policy covers you for trips lasting anything from 31 days to 18 months.

Policies sold from 28 March 2024

Trip durations for policies sold from 28 March 2024 are the same as for those sold before that date.

The maximum trip duration annual multi-trip policies will cover is 31 days. This can be extended to 45 or 60 days with optional trip extension upgrades.

How long must a UK trip be to be covered by my travel insurance?

For your Post Office Travel Insurance policy to cover you for trips in England, Scotland, Wales or Northern Ireland, the following rules apply.

• For multi-trip policies, 1 nights’ pre-booked accommodation must be in place, and can’t be a stay with family or friends, or your stay must be at least 100 miles from your home, or you must have at least 1 sea crossing

For example, if you fly from Scotland to Cornwall to stay with friends and family in their home or second home and your baggage was lost or damaged on the way it wouldn’t be covered. Similarly, if you have a second home of your own this doesn’t class as pre-booked.

This doesn’t apply to trips taken overseas, outside your country of residence.

Having flight problems?

This section covers flight disruptions that are not related to Covid-19. If your question relates to the impact of coronavirus on your trip and whether it’s covered, please check our travel insurance Covid-19 FAQs .

Are flight cancellations covered on my policy?

There’s no cover for flight cancellation on your Post Office Travel Insurance policy if you have not already started your trip. If the airline cancels your flight before you arrive at your departure point you should always discuss this with your airline or travel provider to see what options are available to you.

Regulation EU261

This is a regulation that protects passengers in the event of inconvenience caused by long flight delays or cancellations of European flights. It allows up to £520 compensation per passenger in the event of such disruptions.

Entitlements are only in force if the delay or cancellation is within the airline’s control and has not been deemed an “extraordinary circumstance.”

However, if you’re delayed at the airport on your outbound or inbound journey, several of our cover levels provide cover for the delay, any missed departure it causes and, if the delay is of a longer duration, abandoning your trip if you decide to do so. Please read the answers below for details.

What flight delay scenarios aren’t covered?

We will be unable to process claims for delayed flights if:

• You don’t arrive at your departure point in the recommended time for your scheduled departure
• You claim for delays having already made a claim for missed departure
• You’ve travelled against a non-essential travel advisory from the FCDO – and the cause of the delay is related to that advice
• You claim for a delay less than 4 hours
• You haven’t provided written confirmation from your travel provider of the duration of and reason for the delay
• You were aware of the strike/industrial action (or any other listed peril) prior to buying your travel insurance policy or booking your trip
• You haven’t provided any written confirmation of the vehicle breakdown/traffic delays

While at the airport my departure from the UK was delayed. Is that covered?

If you bought our standard, premier, max or extra cover levels, you’re covered if you arrive at the airport and your flight is delayed due to one of the following – including if this will impact a further connecting flight or flights to your final destination:

• Industrial action
• Bad weather not including anything listed as a natural catastrophe
• Technical fault of transportation including bird strikes
• Shortage of crew

If a flight you’re booked on is delayed for 4 hours or more for one of these reasons and you have a standard, premier, max or extra policy, you can claim for each 4-hour delay, up to a maximum of 12 hours, upon your return to the UK. Please check the policy wording for the delay benefit amount depending on the level of cover chosen.

If it’s a premier policy, you can also make use of Flight Delay Assistance Plus if you’ve registered for it. This means that, upon a delay of 1 hour or more, you can receive either a lounge access voucher or a £25 payment into your PayPal account. (For policies sold from 31 March 2022 to 27 March 2024 the amount was £50.)

All flights must be registered in advance. Please check your emails for confirmation and the link/web address needed to register your flights.

You must plan to leave enough time between arriving at your connection point and departing for the next leg of your journey, which should be at least the minimum time recommended for transfer by your transport provider.

If your flight delay totals 12 or more hours and you abandon your trip you can make a claim – see the question on abandoning your trip below.

What if delayed departure leads to me abandoning my trip?

If you’re a standard, premier, extra or max policy holder, we provide abandonment cover if you arrive at the airport and your flight is delayed by 12 hours or more due to:

If that happens, and you aren’t offered an alternative flight within 12 hours or provided with a refund, and you hold one of the cover levels listed, then cover is provided for your unused travel and accommodation costs.

This policy is designed to provide a refund of your unused travel and accommodation costs, at the point we are satisfied that these expenses cannot be refunded elsewhere. If your trip has been booked or paid for via one or more of the following, you must contact them to discuss a refund before claiming from us: a tour operator; an airline; any other travel, accommodation, or service provider; a credit or debit card provider or other payment providers such as PayPal.

There is no cover for delay or abandonment for trips taken solely within the UK

Am I covered if I miss a departure from the UK?

If you have our Standard, Premier, Extra or Max level cover and are delayed on your way to your departure point in the UK due to one of the following reasons, and this causes you to miss your pre-booked transportation (such as an outbound flight), we’ll cover it:

Delay or cancellation of public transport due to:

• Bad weather not including anything listed as a natural catastrophe 
• The vehicle you are travelling in is involved in an accident, breaks down, or is delayed by an incident that causes traffic jams or road closures
• The flight you are travelling on is diverted 

Please note:  Public transport includes flights

You’ll be covered up to the sum insured for either additional travel and accommodation costs to get you to your destination. Or, if the only reasonable alternative transport means you’ll lose more than 50% of your trip, you can claim for unused travel and accommodation costs.

Am I covered for travel delay outside of the UK?

You are at the airport abroad, and there is a delay in your flight leaving to return to the UK.

On Standard, Premier, Extra and Max policies, there’s cover if you arrive at the airport abroad and your flight back to the UK is delayed or cancelled due to:

• Mechanical fault of transportation including bird strikes

If you’re delayed by at least 24 hours beyond your original return date, there is cover for additional transport costs to return you home when these aren’t paid for by your travel provider, up to the limit for your level of cover.

We’ll pay a delay benefit for each full 4-hour delay up to a maximum of 12 hours for the sum insured for your level of cover.

If your trip has been booked or paid for via one or more of the following, you must contact them to discuss a refund before claiming from us: a tour operator; an airline; any other travel, accommodation, or service provider; a credit or debit card provider or other payment providers such as PayPal.

Am I covered if I miss a departure from outside the UK?

What if you are delayed on your way to the airport abroad and miss your pre-booked return flight home, or you have no travel documents and are delayed in obtaining them, so are unable to make your flight?

If you are delayed on your way to the airport and subsequently miss your return flight home, stranding you abroad, for  Standard, Premier, Extra and Max policy holders, we provide cover for delay or cancellation of public transport due to:

We’ll also cover if you’re delayed travelling home if:

• The vehicle you’re travelling in is involved in an accident, breaks down or is delayed by an incident that causes traffic jams or road closures
• Your flight gets diverted
• Your travel documents are lost or stolen while you’re outside the UK

Please note: Public transport includes flights

You’re also covered if you arrive at the airport and a delay to your flight for one of these reasons will impact a further connecting flight/s to return back home to the UK.

You must have a pre-booked return journey for cover to apply. And you must plan to leave enough time between arriving at your connection point and departing for the next leg of your journey, which should be at least the minimum time recommended for transfer by your transport provider.

Medical Assistance Plus

Does my policy include medical assistance plus.

If you bought your Post Office Travel Insurance on or after 3 July 2023 it includes Medical Assistance Plus.

How much does Medical Assistance Plus cost?

Nothing. Medical Assistance Plus is included in all policies sold from the 3 July 2023, no matter the type or level of Post Office Travel Insurance you’ve purchased. It applies whether you bought your insurance on the Post Office website, in branch, via our contact centre, on the app, or even through a comparison website.

How do I access the Medical Assistance Plus service?

Within 48 hours we'll send you an email with a unique link to launch the service. This has all of your details. Just enter your date or birth to validate and the service will launch for you.

If you’re traveling within 48 hours of purchase you can launch the service directly from our Medical Assistance Plus page on the Post Office website, then choose to continue in browser or open in app on your mobile device.

As an extra reminder, we’ll also send you a reminder SMS message the day before you travel (for single-trip and backpacker insurance) or the day before your start date of your policy (for annual multi-trip insurance). This will include links to launch the Medical Assistance Plus service.

What illnesses and situations can I use Medical Assistance Plus for?

Medical Assistance Plus is for outpatient medical care only. This includes any non-emergency medical services, including:

• GP (general Practitioner)
• Orthopaedist
• Paediatrician
• Gynaecologist

If an online or in-person consultation concludes that in-patient care is required, your medical case will then be handed over to the Emergency Medical team in the UK to be managed for wherever you are.

When shouldn’t I use the Medical Assistance Plus service?

If you require immediate emergency care, you should go directly to a hospital or an emergency clinic.

You can get further support by calling our emergency medical assistance line any time, 24/7.

If your policy number starts with TA or TC call 0208 865 3074 . If you’re calling from abroad dial 44 in place of the first zero.

There is no cover for trips taken within the UK.

Are there any limitations to the service?

This service is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person and for each medical event up to 3 appointments per person listed on the policy.

I’m having trouble registering my policy for the service. What should I do?

If you’re having difficulty registering your policy, please check:

• Your policy number is entered correctly
• You’ve entered all the verification details needed

If you’re still having trouble, please go to the “Contact us” section in the app. Here you can get help from our customer care team.

How can I contact Medical Assistance Plus customer support?

The customer care team is available 24 hours a day, 7 days per week, 365 days per year and offers multi-lingual support.

The customer care team can provide assistance via phone, email, WhatsApp, and live chat – available online or via app.

What languages can I receive my medical care in?

The global network has over 20,000 doctors in 75 countries, including the most popular destinations such as the US, UK, France, Germany, Italy, China, Japan, Canada, India, Australia, New Zealand, Israel, Thailand, and Nepal.

The doctors in the network speak a wide range of languages, so travellers can find one locally who speaks either their native language or one in which they are comfortable conducting a consultation.

When browsing for doctors in the app, simply filter your search by your preferred language. When scheduling video consultations, you can also select your preferred language when you make the appointment request.

If you’re unable to find a doctor who speaks your preferred language, please head to the “Contact Us” section in the app to get assistance from our customer care team.

Will I have to pay for any support or treatment I receive while I'm away?

No, Medical Assistance Plus is covered by your Post Office Travel Insurance policy. There are no upfront fees or extra payments required. You automatically get access to Medical Assistance Plus, no matter what type or level of insurance you’ve purchased from us. All appointment charges are covered by your travel insurance policy under Medical Assistance Plus. You won’t need to pay any excess fees for this service. For any online appointments or where the appointment was held at your accommodation, where a prescription is issued, you’ll need to pay for any medication and claim upon your return home.

No excess will be applied for any prescription charges. If your appointment takes place at a clinic and they have a dispensing chemist, you won’t need to pay for your prescription and all charges will be covered by your policy at the point of appointment.

If there’s no dispensing chemist at the clinic, you’ll either be given a prescription or the prescription will be sent to a chemist by the treating doctor and you’ll need to pay for any medication and claim upon your return home.

If your medical situation needs to be handed over from an outpatient case to an inpatient case and requires hospital admission, you will be handed over to our emergency medical assistance team in the UK. For any inpatient cases, no excess will apply.

Is my electronic prescription valid anywhere in the world?

You’ll be able to check with your doctor if they can prescribe a valid prescription in your current location. Make sure with the selected doctor before your consultation if they can provide a prescription based on your electronic prescription.

There’s no cover for trips made in the UK and you should see your GP practise you’re registered with in the UK for any appointments or prescriptions.

Flight Delay Assistance Plus

Registering your flights, how do i register a flight.

We'll send you an email with details of how to register for the service online as soon as you buy our premier travel insurance. If you arranged your policy in a Post Office branch or don't have an email address, all the information you need will be in your policy confirmation pack.

To register your flight you’ll need to set up self-service for your account and add your flight details there.

Can all flights be registered?

Flight Delay Assistance Plus is built to track almost all major commercial airline flights, but there are limitations against airlines/airports that do not report data regularly. You can register any flight where the airline accurately reports the announcement to FlightStats. If you try to register a flight that does not meet these conditions, the system will inform you of this and you will not be able to register.

Where the flight is departing from an airport with a lounge that's part of the  LoungeKey network you’ll be offered the choice of a lounge voucher, or PayPal payout in the event of a delay Not every airport has a lounge and if this is the case the PayPal option will be selected for you.

Can I register more than one person?

Yes, you can include up to four additional passengers who are named on your Post Office Travel Insurance policy when you register. Make sure the names you register match exactly those included on your flight booking or boarding passes and travel insurance.

Why has my flight registration failed?

Registering your flights could fail for two reasons:

• You’re attempting to register less than 24 hours before your scheduled departure time
• Not all airlines provide timely and accurate flight tracking data which is necessary for us to trigger compensation and issue your benefit

As such, we restrict registrations for airlines that do not provide reliable tracking data. This is done to ensure the best possible experience for customers.

Can I cancel a flight registration?

Yes, you can cancel a flight registration up to two hours before your scheduled departure time. Please do this via the link in your registration confirmation email.

LoungeKey lounge access

What is loungekey.

It's a global network of  over 1,100 airport lounges .

How will I know if free lounge access is available to me?

During your flight registration you’ll be provided with the lounge access option at the "Select Your Benefit" stage. If you have selected this option and a qualifying delay is met, we'll send an SMS text and email message with a PDF voucher attached, so you'll need a mobile device with you that can accept them. These messages are sent if:

• You register the flight online at least 24 hours before its scheduled departure time
• There's an announcement about a minimum one-hour delay (either a single delay or an accumulation of multiple shorter delays amounting to two or more hours)
• You selected lounge as your benefit option

How will I receive free LoungeKey access?

You'll need a mobile device that can receive SMS texts and emails with PDF attachments. If your flight's delayed by one hours or more, we'll automatically send you:

• A text notification, which includes a link to your PDF LoungeKey voucher
• An email with a PDF attachment containing your free LoungeKey voucher
• The SMS and emails will also contain the vouchers for any other passengers you registered

Please see our  terms of use .

How do I find the lounge at the airport?

We'll let you know how to locate your lounge when we email your access information. The voucher itself will also contain a link to the lounge finder and access information.

Other lounge access questions

Are children welcome in the lounges.

Not all lounges are open to younger passengers. You can check out the lounge policies at  your departure airport .

Why can't I gain access to a lounge?

There are a number of reasons why you might not be able to access a lounge, even if you have a valid voucher:

• If the lounge is closed when the delay occurs – during the night, for instance
• If the lounge is at full capacity
• If the passenger names on the boarding passes don't exactly match those on the LoungeKey voucher
• If you or a member of your group doesn't meet the lounge terms and conditions, such as dress code or minimum age

How can I find out about lounge policies and other services?

Although lounges at different airports have their own policies and services, most have free Wi-Fi. Discover more about the lounge at your departure airport.

About PayPal

What is paypal.

PayPal is a payment platform for payments and money transfer. It’s a secure way to send and receive money online.

PayPal allows any individual with an email address to securely send and receive payments online without having to enter your financial details.

You can use PayPal to shop online, or to send money quickly to anyone with an email address or transfer money to your bank account. You can also use PayPal on the high street where the number of shops accepting PayPal is growing.

Once you’ve linked your card or bank account to your PayPal account, you won’t need to provide all of your card details every time you shop online. PayPal remembers all your financial details, so you don’t have to, and they do not share them with sellers.

PayPal is available worldwide and in all major currencies.

How does PayPal work?

If you’ve selected PayPal as your benefit during the registration journey, in the event that you experience a qualifying flight delay, we’ll compensate you with a PayPal payout to use at your leisure.

We’ll pass your email address to PayPal, who will then instantly credit your wallet with your compensation.

If you don’t have a PayPal account linked to the email address you used for registration, PayPal will send you a link to register for an account.

Do I need to have an existing PayPal account?

You don’t need to have an existing PayPal account. A wallet will be credited with your compensation and an email will be sent to you with a link to PayPal to register and create an account. Your PayPal account will need to be linked to the email address you used to register your flight.

How can I get in contact with PayPal?

You can contact PayPal by text, email, on the phone or via the PayPal help page .

About PayPal payouts

How much will i receive.

We’ll provide a compensation payment of £25 per passenger into your PayPal account.

Will additional passengers receive a payout?

All eligible additional passengers that were registered will also receive a PayPal payout, but the payout will be made to the main customer.

Will I be notified before the PayPal payout is sent to me?

Yes, we’ll send you an email and SMS to let you know the PayPal payout has been issued.

What we share with PayPal

When will my information be shared with paypal.

We’ll pass your email address to PayPal when we trigger the PayPal payout request. 

What information will be shared with PayPal?

We’ll send PayPal the email address you used to register your flight. They will use your email address as the account to credit with the payout. PayPal will also send out communications to this address to confirm the payout.

Do you cover mobile or smart phones within a travel insurance policy?

Mobile and smartphones are covered under the personal possessions of our travel insurance policies up to £100.

If you need more cover for your phone, you could add our gadget cover add on for an extra premium and increase the cover up to £1,000 per policy for theft, damage or loss during your trip

Cover for mobile phones is now up to the single-article limit:

Economy: £150

Standard: £250

Premier: £400

If you need more cover for your phone, you could add our gadget cover add on for an extra premium and increase the cover up to £2,000 per person per policy for theft, damage, or loss during your trip.

What gadgets do you cover within the gadget cover extension?

Mobile phones, smart phones, tablets, computers, laptops, smart watches, drones, games (including handheld) consoles, all accessories of these items, plus wearable activity trackers. Cover is up to £1,000 per policy.

Mobile phones, smart phones, laptops (including custom-built), tablets, digital cameras, games consoles, video cameras, camera lenses, Bluetooth headsets and speakers, satellite navigation devices, e-readers, head/earphones, smart watches and wrist-worn health and fitness trackers. Cover is up to £2,000 per person, per policy.

Claims and emergency medical assistance

How do i make a claim on my travel insurance policy.

The easiest way is to make a claim online . It’s secure and available 24/7. There’s a handy checklist of everything you’ll need. And, for some claims, you’ll get a decision straight away. You can also call us 0333 333 9702 (1).

What should I do if I need emergency medical assistance while on a trip my policy covers?

Please call the emergency medical assistance line that’s correct for your policy as soon as possible. It’s open 24/7. The number to call is 0203 865 3074 .

How do I renew or cancel the renewal of my Travel Insurance policy?

When you buy an annual multi-trip policy, it’s your reassurance of continuous cover for all the trips you’ll take in a year. For reassurance that extends beyond that, your policy can be renewed automatically or manually. You can also make sure your policy doesn’t renew if you don’t need it to. Whatever you choose, we’ll write to you around 28 days before your current policy’s end date with details of any changes we’ll make should you wish to renew it and a quote for the next year’s cover.

Automatic renewal: if you buy an annual multi-trip policy, it will be set to renew automatically at the end of its term to keep you covered. If you prefer to opt out of this, you can do so then or any time during the policy. You can also turn auto renewal on later. Just call our contact centre. If you’ve declared medical conditions for anyone listed on the policy, it can’t be set to auto renew.

Manual renewal: if you’ve opted out of auto renewal, you can opt in manually later, such as when we send your renewal reminder or by calling our contact centre to set this up. It’s easy to renew through your online account or by calling our contact centre. If you miss the renewal date, you can still take out a new policy later. You’ll need to start a new quote, as the renewal quote is only valid until your current policy’s expiry date. This may also mean a gap in your cover until the new policy starts.

Turning off auto-renewal: if your policy’s set to renew automatically but you change your mind later, you can turn it off at any point during the life of the policy. You can do this yourself in your online account or call our contact centre team. If you’re within the last 8 days of your policy, you’ll need to call our contact centre to do so. The later you do this the greater the chance a renewal payment will be taken by the bank. If this happens before your renewal cancellation is processed, we’ll make sure your payment is refunded.

What if I have a complaint about my travel insurance?

For complaints about the sales literature or information about your policy, how it was sold to you on the phone or online, or the Medical Screening Service, please call 0330 123 1382 (1), e-mail [email protected] or write to:

Post Office Travel Insurance 67 Hope Street Glasgow G2 3AE

Please head any written correspondence 'COMPLAINT' and include copies of supporting material.

For complaints about a claim or assistance you received while travelling, please email [email protected] or write to:

Quality Department Collinson Insurance Services Limited Sussex House Perrymount Road Haywards Heath West Sussex RH16 1DN

If you’re still not satisfied or don’t get a final answer from us within eight weeks of us receiving your complaint, you may have the right to refer your complaint to the Financial Ombudsman Service (FOS) for consideration. You can contact the FOS here:

Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR

Call: 0800 0234 567 or 0300 1239 123 (1) Email: [email protected]

• Other sections:

Need more help and support with travel insurance?

If you didn’t find what you need these other pages may help.

For emergency assistance, to make a claim, complaint or manage your policy online: Visit our travel insurance support page

For questions about the coronavirus cover on our policies: Visit our travel insurance Covid-19 FAQs page

(1) Calls to 03 numbers will cost no more than calling a standard geographic number starting with 01 or 02 from your fixed line or mobile and may be included in your call package dependent on your service provider. Calls may be monitored or recorded for training and compliance purposes.