ahm offers unlimited cover for 2 big features of travel insurance – overseas medical expenses and cancellation cover. For many, this should be the ultimate peace of mind both before and during your holiday.
This provider has some generous benefits that we don't see every day, like a hospital cash allowance up to $5,000 and loss of income cover up to $10,000.
Cons
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 an increased premium.
Get this discount if you're an ahm or Medibank Private member and save.
Summary of ahm's Comprehensive policy
Overseas Medical and Hospital Expenses
Unlimited
Cancellation and Amendment Fees
Cover chosen
Luggage and Personal Effects
$8,000
Maximum Age Limit
99
Table updated March 2024
How does ahm Travel Insurance cover COVID-19?
ahm is now part of a growing number of providers that offer some cover for pandemic-related expenses. Here's what you can expect under its Comprehensive policy:
COVID-19 cancellations and amendments
Overseas medical costs if you're diagnosed with COVID-19 by a qualified medical practitioner while travelling overseas
Additional COVID-19 expenses including quarantine or isolation costs
However, some exclusions do apply, including costs related to travelling to a country subject to "Do not travel" advice or travel on a multi-night cruise. In addition to your standard excess, a special excess of up to $500 will apply to certain COVID-19 claims.
Curious about what else is available? We've compared all the providers that offer cover for COVID-19 here.
What policies does ahm offer?
ahm keeps it simple with a choice of 3 travel insurance plans: International Comprehensive, International Medical Only and Domestic. If you're planning more than 1 trip for the year, an annual multi-trip policy is also an option.
International Comprehensive
International Medical Only
Domestic
Annual Multi-trip (International or Domestic)
The insurer of this product is Zurich Australian Insurance Limited. It comes with a cooling-off period and choice of standard excess.
The cooling-off period is 21 days which means if you cancel within 21 days of the date of purchase, ahm will give you your premium back. The excess is the amount you need to pay first when you claim for an insured event, and you can lower the cost of your policy by selecting a higher excess.
Here's a breakdown of ahm travel insurance features
When you choose an ahm policy, you get access to the standard features listed in line with your policy. Some of these features, like cancellation cover, can be claimed before you leave on your holiday. Standard features of ahm's Comprehensive plan include:
Additional expenses including travel or accommodation expenses
As well as the standard benefits, you can also choose from a range of extra options. These options will bump up the cost of your insurance but some are necessary if you want to be covered for certain activities.
Cruise cover. This add-on is mandatory for 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 and cover towards missed port and missed shore excursions.
Increase luggage item limits. If you're travelling with belongings valued above the existing limits for luggage and personal items cover, you can increase the limits for individual items.
Snow sports cover. Snow sports include skiing, snowboarding and snowmobiling. This option covers you as long as you're on-piste, and are not racing or competing professionally.
Motorcycle/moped riding. Whether you're driving or riding as a pillion passenger, you are not covered for motorbike riding on a standard policy. You can include it as an extra and get covered for bikes up to 250cc 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.
Exclusions
Like any type of insurance, there are a few scenarios that aren't covered under your travel insurance policy. These are usually referred to as general exclusions. Here are some exclusions that your ahm policy will not cover:
Claims arising from any unlawful act committed by you
Make sure you review ahm's Product Disclosure Statement for a detailed breakdown of what is and isn't covered.
How to make an ahm Travel Insurance claim
ahm lets you make claims online or via post. You can submit your claim by downloading a claim form online and posting it to:
ahm travel insurance c/o Travel Insurance Partners PO Box 168 North Sydney NSW 2060 Australia
Alternatively, you can submit a claim through the ahm online claim portal by following these steps:
Head to https://claims.travelinsurancepartners.com.au/ahm
Enter your full name and policy number to log in
Describe the incident and provide expenses
Upload any supporting documents relevant to your claim
Submit, and you should hear back within 10 working days
Here's the bottom line about ahm Travel Insurance
ahm has an easy-to-understand travel insurance offer that makes it clear what you are and are not covered for. Its benefits are generous and include some hard-to-find extras like cover for loss of income, permanent disability and alternative transport expenses to get you to a special event on time. Add on a 10% discount for ahm health members and you have a very competitive option.
It's not a great fit for everyone, though. ahm has clear restrictions for many types of pregnancy, including if you've experienced complications in the past, not just on your current pregnancy. Instead of having an add-on for adventure activities, ahm includes a selection as standard. You'll be covered for things like white water rafting, bungy jumping and trekking without having to pay more. The downside of this is if you're planning any high-risk activities that aren't covered then you might have to look elsewhere.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share.
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.
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.
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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.
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,
Zubair