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ahm Travel Insurance Review

Flexible cover limits and up to $10,000 in trip cancellation costs for a getaway in Australia are just two of the benefits of choosing ahm travel insurance.

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Our Verdict

  • ahm travel insurance was one of just a handful of travel insurance brands that we found who offer any sort of cover for coronavirus-related travel expenses. It covers medical expenses if you're travelling to New Zealand, or trip cancellation costs if you can't go on holiday because of a COVID-19 diagnosis. Remember to check the PDS to see exactly what you're covered for.
  • This insurer offers impressive flexibility with its plans. All tiers include the key basics that you'd expect like overseas medical cover and unexpected cancellation expenses with the option to increase limits and add specialised cover (for things like snow sports and motorbikes), so you only pay for what you actually need.
  • All of ahm's international policies include a standard excess of $250, which is a little high compared to brands such as InsureandGo. However, you can reduce your excess to $100 or even $0 if you're happy to pay a premium.

Review by our senior insurance writer James Martin

A leading provider in health insurance, ahm also offers simple, effective and affordable travel insurance policies where extras are options, instead of a given. Use our table below to compare its domestic and international policies and to find one that suits your wants and needs.

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Summary of ahm's International Comprehensive policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesCover chosen
Luggage and Personal Effects$8,000
Maximum Age Limit84

Table updated July 2021

How do the plans compare?

To get an idea of what each policy covers, have a look at the table below:

BenefitInternational Comprehensive Single or Annual Multi-tripInternational Medical OnlyDomestic Single or Annual Multi-trip
Overseas medical and hospital expensesUnlimitedUnlimited
Cancellation and amendment feesCover chosen
Additional expensesUnlimitedUnlimited$10,000
Luggage and personal effects$8,000
Travel documents, credit cards and travellers cheques$5,000
Delayed luggage allowance$1,100
Theft of cash$250
Rental car excess$5,000
Travel delay expenses$2,000
Alternative transport expenses$5,000
Resumption of journey$3,000
Hospital cash allowance$5,000
Loss of income, permanent disability and accidental death$25,000 total, $10,000 limit for loss of income
$10,000 total, $2,000 limit for loss of income
Personal liability$2,500,000$2,500,000$2,500,000

Table updated July 2021. Reduced limits may apply to medical and additional expenses cover for ages 70+

What will my ahm travel insurance policy cover?

When you choose an ahm policy, you access the core benefits listed in line with your policy, and can also choose from a range of extra options. Core benefits include:

  • Overseas medical and hospital expenses. Cover for medical treatments and related costs while travelling overseas.
  • Cancellation and amendment fees. Reimbursement for prepaid accommodation, tour and travel arrangements that had to be cancelled through no fault of your own.
  • Additional expenses. Extra costs related to medical treatments, including hospital accommodation and theatre fees.
  • Luggage and personal effects. Cover for luggage and other belongings that are damaged, destroyed, stolen or lost while you are travelling.
  • Delayed luggage allowance. An allowance for the purchase of essentials if your luggage is held up for more than 24 hours.
  • Theft of cash. Cover for stolen cash, currency notes and postal or money orders accidentally lost or stolen while you were carrying them.
  • Rental car excess. Covers the cost of rental car insurance excess if you are obligated to pay it.

What additional options are available?

As well as the core benefits, you can select extra options if you choose a comprehensive policy. Snow sports coverage is the only option available if you take out the medical only plan.

  • Increased cancellation cover. Cancellation cover varies across the different policies. You can increase the limit from $3,000 to $6,000/ unlimited if you choose a comprehensive policy and pay an extra premium. Typically, people look for an amount that covers their prepaid travel tickets, hotels, tours and other expenses.
  • Increased luggage cover. If you are travelling with belongings valued above the existing limits for luggage and personal items cover, you can increase the limits for individual items, up to $6,000 in total and a maximum of $4,500 for any one item.
  • Increased rental car insurance excess. Both the ahm International Comprehensive and Domestic plans come with $3,000 of rental car insurance excess cover, but you can add up to another $3,500 for an extra cost.
  • Motorcycle/ Moped riding. Whether you’re driving or riding as a pillion passenger, you are not covered for motorbike riding on a stand alone policy. You can include it as an extra and get covered for bikes up to 200cc engine capacity, as long as you’re wearing a helmet, hold a valid licence in the country you’re driving in, and are not racing or driving professionally.
  • Snow sports coverage. Snow sports include skiing and snowboarding. This covers you as long as you’re on-piste, and are not racing or competing professionally.
  • Cruise cover. This add on is mandatory with most multi-night cruises. It gives you unlimited onboard medical and dental, ship to shore medical and sea sickness cover. You'll also get $100 per day for cabin confinement (up to $1,500 in total) and cover towards missed port and missed shore excursions.

What isn't covered by my policy?

Here are some exclusions that your ahm policy will not cover;

  • claims related to elective medical procedures including tattoos and body piercings
  • claims arising if you directly/indirectly booked travel plans while unfit to travel
  • if you engage in any of the activities listed in the PDS as excluded such as polo playing, running with the bulls and moto cross
  • cruising in international waters on a private sailing vessel
  • insolvency of travel service providers
  • scuba diving without an Open Water Diving Certificate or without qualified instructor

How do I make a claim with ahm?

ahm allows you to make claims online or via post. They aim to settle within 10 working days from receiving your documentation.

Claims and contact details

Emergency phone number: +61 (0) 2 8907 5662

Making a claim online: Start the claim process at https://claims.travelinsurancepartners.com.au/ahm

Making a claim via post: Download and complete claim form from https://ahm.com.au/travel-insurance/claim and send it to:
ahm travel insurance
c/o Travel Insurance Partners
PO Box 168
North Sydney NSW 2060

General phone enquiries: 1300 617 409

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2 Responses

  1. Default Gravatar
    JacquelineFebruary 12, 2017

    I am 71 years of age and already an AHM Member of long-standing who is embarking on an overseas bus tour of Great Britain followed by a 14 day Mediterranean cruise. I will be overseas for approximately 6 weeks. I am considering taking up travel insurance with AHM and inquire as to whether I can have my fortnightly premiums suspended for the 6 week period when the travel insurance is in play? It seems to me to be duplicitous to be paying for both types of health insurance for the period I am overseas.

    • Avatarfinder Customer Care
      ZubairFebruary 14, 2017Staff

      Hi Jacqueline,

      Thank you for your inquiry.

      The minimum time requirement for suspension of health cover should be 30 days according to AHM Health Fund. You are eligible for suspension as you will be away for 42 days.

      You will Just need to send them a written or email request in advance of your holiday with a copy of your airline or travel agent-issued itinerary or tickets which includes the dates of travel. For more information and to suspend your cover, you will need to contact AHM directly.

      I hope this helps,

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