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AAMI Travel Insurance Review

AAMI offers up some competitive limits on its international travel insurance plans, but you won’t find any policies that cover staycations in Australia.

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Cristal Dyer
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Our Verdict

  • Enjoy unlimited cover on overseas medical expenses and trip cancellation costs when you choose a single or group policy with AAMI travel insurance.
  • This brand offers a competitive rate of up to $5,000,000 for personal liability cover. Out of ten brands that our research team compared, this generous limit was second to only World2Care travel insurance.
  • AAMI doesn't provide any cover for coronavirus-related travel expenses, nor does it offer an insurance policy for domestic travellers holidaying in Australia.

Review by our senior insurance writer James Martin

Established in 1969, AAMI has been equipping Aussies with home, car, life and business insurance for more than 50 years. With AAMI travel insurance you can get customised international insurance policies for single travellers or groups at reasonable prices. Check out what's on offer below.

AAMI travel insurance is not currently available via Finder. You can head to the AAMI website or compare alternative options available below.

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Summary of AAMIs travel insurance

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesUnlimited
Luggage and Personal Effects$6,000 for single and $12,000 for multi-person policies
Maximum Age Limit65

Table updated January 2022

Why Take Out Cover with AAMI travel insurance?

If you choose cover from AAMI travel insurance you will enjoy a range of benefits including:

  • Flexible coverage: You can choose a single or multi-person cover and because you are dealing directly with the insurers you can save a lot of money as you won't be paying any commissions to a third party.
  • Unlimited medical cover: You're covered for unlimited medical expenses when you travel overseas, as well as cover for lost or stolen baggage.
  • New for old baggage replacement: If your luggage or other personal belongings need to be replaced as a result of a claim, AAMI International Travel Insurance covers the new for old replacement of those items (cover limits apply).

AAMI travel insurance benefits explained

AAMI travel insurance provides different types of cover for an array of situations. These benefits include:

  • Medical expenses and additional expenses. AAMI covers the reasonable costs of medical and dental expenses from injury or illness sustained on your journey outside of Australia.
  • Baggage, personal effects and travel documents. If your stuff goes missing, gets stolen or gets damaged while travelling, AAMI will pay the reasonable cost for repairs or replacement.
  • Cancelled, interrupted or delayed journey. You'll be covered for the reasonable cost of travel and accommodation that is cancelled because of an unforeseen situation that was outside your control.
  • Accidents for which you are legally liable. Sometimes trouble overseas can end up with you owing compensation or legal expenses to somebody else. AAMI may cover your legal liability if this situation arises.

You should refer to the Product Disclosure Statement to view the benefits in detail.

What isn't covered by my policy?

No matter how robust an insurance policy is, there are certain situations where insurance providers will refuse to pay a claim. For AAMI, it will not cover you for damage, loss, cost or liability caused by or involving:

  • Any sexually transmitted disease or virus
  • Acts of terrorism
  • Pregnancy, childbirth or the health of a child under one month of age
  • Any elective medical, dental, surgical or cosmetic procedure
  • The use or effect of alcohol or drugs
  • Intentional self-injury, suicide or attempted suicide
  • Motorcycling unless the motorcycle has an engine capacity of 200 cc or less, is hired and the driver holds a valid motorcycle licence if required
  • Any unlawful act committed by you
  • Professional sport, hunting, racing of any kind (other than on foot), football
  • Flying except as a passenger in a scheduled commercial power-driven aircraft
  • Activities that could be considered dangerous including running with the bulls, mountain or rock climbing and abseiling
  • Scuba diving if you do not hold an open water diving licence
  • Competitive snow and ice sports

Claim and contact details for AAMI travel insurance

  • Emergency Assistance (24/7 help): +61 3 8520 1290
  • Make a claim online: Start your claim process online at aami.com.au
  • General phone enquiries: ​​13 22 44

Helping the company to pay your claim

When you provide AAMI with the information it needs, you help them make speedy and accurate decisions regarding your claim. This information includes:

  • The original medical certificate, dental certificate and a medical report from the doctor or specialist
  • Police reports and transportation providers' reports
  • Receipts, invoices, travel itineraries, and airline, train or bus tickets
  • Any court documents or other communication you receive in relation to your claim.

The company may require information such as:

  • The circumstances of and the extent of the damage
  • Loss or liability incurred
  • The ownership and value of any lost, damaged or stolen items.

If you are unable to provide this type of information, they may reduce or refuse to pay your claim.

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