ahm Travel Insurance

ahm has more than 40 years of health insurance experience, and currently covers more than half a million Australians. ahm’s focus is on providing simple, effective and affordable policies where extras are options, instead of always included.

ahm now offers the same advantages for travel insurance and utilises its network to provide effective overseas health cover and many other benefits to Australians overseas.

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Summary of ahm's International Comprehensive policy

^{Table updated February 2020}

What policies does ahm travel insurance offer?

ahm travel insurance aims to provide Australian travellers with flexible cover so you pay for the benefits that are important to you. They also give the option of medical only plans which can be hard to come by with most insurers.

How do the plans compare?

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

^{Table updated September 2019. 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.

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.

Any more questions?

• Who underwrites ahm travel insurance policies?

  ahm travel insurance policies are underwritten by Zurich Australian Insurance Limited.

• Am I eligible to buy ahm travel insurance?

  To be eligible to purchase a travel insurance policy from ahm

  • You must be an Australian citizen or resident over 18yrs old
  • Your journey needs to wrap up in 12 months and end in Australia
  • Some age limits may apply, please refer to Seniors Travel Insurance page for more information

• Do I get to choose my excess?

  Yes. ahm offers a choice of $0, $100 or $250 excesses.

• Is there a cooling-off period if I want to cancel my policy?

  Yes. The cooling period for ahm travel insurance policies is 15 working days. If you cancel your policy within this time frame, you can get get your money back.