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.

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.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

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).

✅ Patriot America Platinum

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:

  1. Single Trip Insurance: Perfect for one-off adventures, this covers you for a single holiday or business trip.
  2. 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.
  3. Backpacker Insurance: Designed for the intrepid globetrotter, this policy covers long trips and even working holidays.
  4. Over 50s Travel Insurance: Tailored for travelers over 50, this policy offers comprehensive cover and no upper age limit.
  5. 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:

  1. Medical Emergencies: From sudden illness to injury, your medical expenses are covered. This includes hospital fees, transport, and even a return journey if needed.
  2. Cancellation and Curtailment: If you have to cancel or shorten your trip due to unforeseen circumstances, you’re protected against any financial loss.
  3. 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.
  4. Travel Delays: Stuck at the airport due to delayed or cancelled flights? You’re eligible for compensation.
  5. 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:

  1. Range of Policies: With policies tailored to backpackers, over-50s, families, and frequent flyers, the Post Office caters to a wide demographic of travelers.
  2. Broad Coverage: They provide extensive coverage, including medical emergencies, cancellation, curtailment, lost baggage, and travel delays.
  3. 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:

  1. 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.
  2. Flexible Policies: Many private insurers offer the flexibility to extend your coverage or adjust your policy even after your journey has begun.
  3. 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.