Understanding Apa Insurance and Its Member Program

Apa Insurance is a comprehensive insurance program designed to provide financial protection to its members in the event of accidents or injuries.

The program is open to all employees of the American Postal Workers Union (APWU), offering a range of benefits that include medical, hospital, and surgical coverage.

Members can choose from various coverage options, including medical and hospital coverage, surgical coverage, and even accidental death and dismemberment benefits.

To be eligible for Apa Insurance, one must be an active APWU member, and applications can be submitted online or through the mail.

Discover more: Apa Insurance Medical Cover

In 2025, the APA Member Insurance is making some significant changes to improve your experience. The insurance will now be supported by AAI Ltd trading as Vero Insurance (Vero), a local insurer with over 180 years of experience providing quality insurance products.

Your policy will automatically extend to worldwide cover, excluding the USA, for overseas work and jurisdictional limits. This means you'll have more flexibility when working abroad.

The policy changes also include the automatic inclusion of telehealth for all in-scope practices. This means you can provide services remotely without worrying about your insurance coverage.

Here are the key changes to your APA Member Insurance policy in 2025:

Your APA Entity Insurance policy will also see some changes, including the automatic inclusion of telehealth for in-scope practices and the extension of overseas work coverage to worldwide cover, excluding the USA.

The APA Member Insurance Program is a valuable benefit for members, offering protection and support to practice at their best. It's a partnership between the APA and BMS, providing an enhanced member insurance program.

With this program, individual professional indemnity and public and products liability insurance is included in the membership fee for most categories of APA membership, offering a $20,000,000 limit of indemnity per claim for Professional Indemnity, Public and Products Liability.

Additional benefits include $100,000 additional cover to support inquiries and investigations relating to allegations of abuse, including sexual misconduct, and run-off cover when you retire.

Suggestion: Coverage a Commercial General Liability

You'll get $20,000,000 limit of indemnity per claim for Professional Indemnity, Public and Products Liability.

This insurance program offers a wide range of benefits to meet your professional needs and protect your hard-earned reputation.

You'll also get $100,000 additional cover to support inquiries and investigations relating to allegations of abuse, including sexual misconduct.

This cover is included in the membership fee for most categories of APA membership.

You can download the full policy wording (PDF) for a complete list of cover and sub-limits.

The program provides run-off cover when you retire, so you're protected even after you're no longer practicing.

You'll also get cover for Telehealth (if within your scope of practice), giving you peace of mind when working remotely.

Exclusive access to an experienced insurance and claims service and specialist legal support is also included.

For practice owners, individual professional indemnity and public and products liability insurance provides cover for you as an individual, but does not include professional indemnity and public liability insurance for your practice.

To cover your practice's legal liability to third parties, you can purchase APA Entity Insurance from APA’s insurance partner, BMS, via the member-only BMS Online Portal.

A different take: Business Property and Liability Insurance

To access the APA Member Insurance program, you must be a current Australian Physiotherapy Association (APA) member.

You can find the insurance policy documentation for each year, including the current and previous years, on the APA website in PDF format.

To view the policy documentation, simply click on the relevant year's link, such as the 2024-25 APA Member Insurance Policy.

The APA Member Insurance FAQs are also available in PDF format, providing answers to frequently asked questions about the insurance program.

If your APA membership ceases, you will not be offered renewal when your policy expires.

The insurance is issued by BMS under authority with the insurer, with BMS acting as agent for the insurer and not as your agent.

APA may receive a percentage of the commission paid to BMS by the insurer and/or a fee per policy in offering this insurance to members.

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