Important Information Regarding coronavirus (COVID-19) and Travel Insurance
First visit our ahm Travel Insurance page
Why do I need travel insurance?
Because stuff happens, even when you’re on holiday!
ahm travel insurance includes unlimited^ overseas medical and hospital expenses cover, just in case you get sick or injured while you’re travelling outside of Australia.
Depending on the type of cover you choose, ahm travel insurance can also cover your luggage, valuables, cancellations and much more.*
What type of cover does ahm provide?
We’ve kept things simple so it’s easy to choose cover.
|
You want |
Available extras |
Consider |
|
Basic cover just in case, when all you want is unlimited^ medical and hospital expenses cover |
· Snow sports cover · Cruise cover |
Medical Only Single Trip
|
|
More extensive cover that also pays benefits for things like cancellations, lost luggage and stolen or damaged valuables* |
· Snow sports cover · Increased cancellation cover · Motorcycle & moped riding cover · Increased rental car excess · Increased luggage cover · Cruise cover |
Comprehensive Single Trip |
|
Cover for more than one overseas trip in the next 12-month
|
· Snow sports cover · Increased cancellation cover · Motorcycle & moped riding cover · Increased rental car excess · Increased luggage cover · Cruise cover |
Comprehensive Annual Multi-Trip |
How do I know what I’m covered for?
The Combined Product Disclosure Statement/Financial Services Guide (PDS/FSG) which includes details of everything your cover includes and excludes. Make sure you read it so you know exactly what you’ve paid for. No one like’s being caught out in the rain!
How do I make a claim?
You can make a claim online or download and complete a claim form and return it by post with any supporting documents.
Find out more about making a claim.
How can I get help while I’m travelling?
With ahm travel insurance, you get access to our emergency assistance team of doctors, nurses, travel agents and case managers who are available 24 hours a day, 365 days a year.
If something happens, give us a call using one of the numbers below:
|
Your location |
Number to call |
|
New Zealand |
0800 931 760 |
|
UK |
0808 234 2686 |
|
USA |
1844 210 9967 |
|
Canada |
1844 210 9967 |
|
Any other country |
+61 (0) 2 8907 5662 |
Am I covered if my phone or laptop gets lost, stolen or damaged?
Never fear, cover is provided for your valuables up to a certain amount depending on the level of cover you choose. You can also get higher items cover with an additional premium for your valuables (e.g. cameras, laptops, smartphones).* You’ll be back online and taking selfies in no time.
My luggage is lost, am I covered?
Lost luggage is the worst! To get cover for lost luggage, choose either Comprehensive Single Trip cover or Comprehensive Annual Multi-Trip cover.* If you’re travelling with valuables, see “Am I covered if my phone or laptop gets lost, stolen or damaged?”.
What if my trip gets cancelled?
To get cover for trip cancellation, choose either the International Comprehensive Single Trip cover or International Comprehensive Annual Multi-Trip cover. You can add an extra cancellation amount to make sure your trip is covered if things go pear-shaped.
$3,000 cancellation cover is automatically included on the International Comprehensive Single Trip and Annual Multi-Trip plans.
$10,000 cancellation cover is automatically included on the Domestic Single Trip and Annual Multi-Trip plans. To make a claim for trip cancellations, you’ll need to meet certain criteria, which you can find in the Combined PDS/FSG.
Find out more about making a claim.
What if I get sick or injured while on my trip?
Anything can happen when you’re on holidays, which is why having overseas medical and hospital expenses cover is important.
If you’re travelling overseas, ahm travel insurance offer you unlimited^ overseas medical and hospital expenses cover (subject to the conditions outlined in the Combined PDS/FSG).
If you’re sick overseas and need assistance to find the nearest medical clinic, give us a call at anytime
|
Your location |
Number to call |
|
New Zealand |
0800 931 760 |
|
UK |
0808 234 2686 |
|
USA |
1844 210 9967 |
|
Canada |
1844 210 9967 |
|
Any other country |
+61 (0) 2 8907 5662 |
Can I ride a motorcycle or moped while I’m away?
Riding a motorcycle or moped is not one of the activities included in your ahm travel insurance.
To get cover for motorcycle & moped riding, choose either Comprehensive Single Trip cover or Comprehensive Annual Multi-Trip cover and add it as an extra.
Conditions apply to this cover. Read the Combined PDS/FSG for more details.
How much is travel insurance?
Everyone’s travel plans are different. The cost of travel insurance varies depending on factors like your destination, how long you’re travelling for, and any add-on’s you might need to suit your trip. You can also choose different excess options to suit your budget.
Planning a trip? Get a quote online with ahm travel insurance.
Does ahm travel insurance cover cruises?
We sure do! If your trip includes a multi-night sea or ocean cruise overseas or outside Australian coastal waters, then you'll need to add Cruise Cover to your policy to be insured for claims relating to your cruise (e.g. cancelling the cruise) or that occur while on your cruise (e.g. getting sick or injured on-board a cruise vessel). By adding cruise cover, you’ll also get a range of additional benefits like cabin confinement and sea sickness.
You don’t need to add Cruise Cover if you’re travelling on a single-night cruise, on a river cruise (e.g. European river cruise, or a Murray River cruise), only taking a ferry trip, cruising in Australia or in Australian coastal waters (e.g. a Kimberley Cruise) or are sailing. (Note: Sailing is not covered in International Waters).
It’s best to get a quote to suit your trip needs to help avoid any unforeseen sea shenanigans.
Does ahm travel insurance cover for rental cars?
Yes - our Comprehensive International and our Domestic policies include cover for rental car excess. This cover applies if you:
- hire a rental car;
- are the nominated driver on the rental car agreement; and
- have comprehensive motor vehicle insurance for the rental car for the hire period.
Make sure you check the PDS for how rental car excess works on your policy so you can have added protection when you hit the road on your vacay.
Do I need travel insurance for domestic travel in Australia?
Just because you’re not overseas, doesn’t mean things can’t go wrong. Our Domestic Travel cover includes things like cover for lost or damaged goods, rental car excess and pre-trip cancellations (plus heaps more). Because even down under, adventure comes with its share of surprises. So, depending on the level of cover you need, get a quote to find out what best suits for your local vacay.
Can I add more than one person to my policy?
You sure can - when you’re getting a quote, make sure you add everyone you need on the policy, and you’re all set.
Don’t forget, with our comprehensive cover your kids are covered at no extra cost~ (if they’re under 21 and travelling with you).
~Your children or grandchildren travelling with you who are under 21 years of age, who are not in full time employment and are financially dependent on you.
Does ahm travel insurance cover skiing or snowboarding?
If you’re planning on hitting the slopes while on holidays, which includes snow skiing, snowboarding, and snowmobiling, you can add-on our Snow Sports Cover option when getting a quote.
Do I get a discount on ahm travel insurance being a health member?
You sure do! Both ahm and Medibank health members get 10% off travel insurance policies.
What happens after I complete my quote?
Once you’ve finished your quote and purchased your travel insurance policy online, you’ll get email confirmation straight away with your Certificate of Insurance plus the info and important documents you might need, like your PDS.
Does travel insurance cover me if I’m pregnant?
Yes, you can get a travel insurance policy that gives you cover up to your 26th week of pregnancy (i.e. up to 25 weeks, 6 day). However, please note the following important points:
1. If you know about the pregnancy at the time you purchase the travel policy, you’ll need to complete an online medical assessment if either of the following apply to you:
· there have been complications with this or any previous pregnancy;
· you are having a multiple pregnancy (e.g. twins or triplets); or
· the conception was medically assisted (including hormone therapies and IVF).
Make sure you also complete any additional questions in an online medical assessment to determine that you’re eligible and can get a quote. If you have any questions about the online assessment or want to chat it through, feel free to give one of our customer service agents a call on 1300 617 409 – we’re here to help.
2. Cover is only provided for unexpected serious pregnancy complications which occur before the 26th week of pregnancy.
3. No cover is provided for childbirth or the health of a newborn child, no matter what stage of the pregnancy you are at when the child is
If you’re an expecting mother, make sure you consider everything before taking out a travel policy, especially if you’re traveling past the 20th week of the pregnancy.
Check out the Product Disclosure Statement for all the details on pregnancy cover.
Still got questions?
Give us a call on 1300 617 409.
Things you should know
Limits, sub-limits, exclusions and conditions apply.
This is general advice only. This product is distributed by Australian Health Management Group Pty Limited (ABN 96 003 683 298, AR 266711) and administered by Travel Insurance Partners Pty Limited (ABN 73 144 049 230, AFSL 360138). Travel insurance is underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit ahm.com.au/travel-insurance/forms-and-guides.
* Comprehensive plans only. Item and aggregate limits apply.
^ Medical cover will not exceed 12 months from the onset of the illness or injury. Only applies to international policies. Reduced limits may apply for customers 70 years or over.