AHM Travel Insurance

Choose from 3 different policies and a stack of optional extras with AHM travel cover

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. Travellers can find a cost-effective core policy and then tailor it to their needs.

AHM travel insurance policies

  • International Comprehensive: This policy can cover you anywhere in the world, delivering a high level of cover with additional benefits.
  • International Medical Only: Save money by getting only essential cover for medical treatments, additional expenses and personal liability.
  • Domestic: Get affordable non-medical cover for travel within Australia, for added financial protection and convenience.
  • Annual Multi-Trip: Convert the international comprehensive or domestic plans into an annual multi-trip policy to cover multiple trips throughout the year.
BenefitInternational ComprehensiveInternational Medical OnlyDomestic
Overseas medical and hospital expensesUnlimitedUnlimited-
Cancellation and amendment feesAs chosen-$10,000
Additional expensesUnlimitedUnlimited$10,000
Luggage and personal effects$6,000-$6,000
Travel documents, credit cards and travellers cheques$5,000--
Delayed luggage allowance$750--
Theft of cash$250--
Rental car excess$3,000-$3,000
Travel delay expenses$2,000-$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$2.5 million$2.5 million$2.5 million
  • Reduced limits may apply to medical and additional expenses cover for ages 70+

What will I be covered for?

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.
  • Travel documents, credit cards and travellers cheques. Cover for these valuable items if they are stolen or lost.
  • 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.
  • Travel delay expenses. Reimbursement for additional accommodation costs if your pre-booked transport arrangements are delayed for more than 6 hours.
  • Resumption of journey. If you were forced to return to Australia due to the sudden injury, illness or poor health of a relative or business partner, cover is provided for the cost of a return economy class ticket to fly you back out to complete the rest of your trip.
  • Loss of income. If you are unable to work upon your return due to injuries sustained on your trip, you will be covered for loss of income.
  • Permanent disability. If you become permanently disabled due to injuries sustained on your trip, you can claim benefits.
  • Accidental death. Should you pass away due to accidental injuries while on your trip, benefits are paid to your estate.
  • Personal liability. If you are legally liable for the costs of property damage or someone’s personal injury, this policy can cover both costs.

Additional options available on AHM travel insurance policies

As well as the core benefits you receive you can select extra options including:

  • Cancellation cover. $10,000 of cancellation cover is included in the Domestic plan; there is no cancellation cover with the Medical Only plan; and you are free to choose your own amount of cover if you select the International Comprehensive plan. Typically, people look for an amount that covers their prepaid travel tickets, hotels, tours and other expenses.
  • Choose your own excess. Domestic plans come with a flat $50 excess per claim, but the other plans let you choose your own excess from a range of options, all the way down to no excess at all. Lower excesses come at the cost of higher premiums.
  • Extra cover for valuables. 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 $8,000 in total and a maximum of $4,500 for any one item.
  • Extra 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 cover. Whether you’re driving or riding as a pillion passenger, you are not by default covered for motorbike riding. 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.
  • Optional snow cover. If you require cover for skiing, snowboarding or snowmobiling you will need to get the optional snowsports addition. This covers you as long as you’re on-piste, and are not racing or competing professionally.

What activities are and are not covered?

AHM travel insurance policies do cover:

  • abseiling
  • kayaking
  • archery
  • paragliding
  • ballooning
  • parasailing
  • bungee jumping
  • snorkelling
  • flying fox
  • surfing
  • horseriding
  • trekking
  • jet boating
  • white water rafting
  • jet skiing
  • working holidays
AHM travel insurance policies do not cover:

  • hunting
  • racing (other than on foot)
  • polo playing
  • hang-gliding
  • off-piste snow skiing or snowboarding
  • rodeo riding
  • BASE jumping, motocross
  • freestyle BMX riding
  • running with the bulls
  • professional sports
  • mountaineering or rock climbing using ropes or other equipment
  • scuba diving without an Open Water Diving Certificate or without qualified instructor

How do I claim with AHM?

You can make AHM travel insurance claims online. This will get you the fastest response, and has options for uploading receipts and other supporting documentation.

Alternatively, you can download a claims form and post it to the AHM claims team at:

AHM travel insurance

c/o Travel Insurance Partners

PO Box 168

North Sydney, NSW, 2059

  • The theft of money, luggage, personal effects and travel documents must be reported to police or other relevant authorities within 24 hours, and a written report obtained at the time.
  • If you are admitted to hospital, or expect your medical expenses to exceed $2,000, you must contact the AHM emergency assistance team as soon as possible.
  • After making a claim you will hear from AHM within 10 days of its receipt.

Who is eligible for AHM travel insurance?

Eligibility requirements may vary between AHM products and services, but they are generally intended for Australian residents aged 16 years and older.


Frequently asked questions about AHM travel insurance

Yes. There is a 15-day cooling down period for AHM travel insurance policies. As long as you have not yet departed or made a claim you can get a full refund, minus applicable fees, within 15 days of purchase.

Yes. For Single Trip policies you need to select the destination where you will spend most of your time. For Multi-Trip policies you need to choose an option which covers all your intended destinations for the coming year. If you will be spending more than 20% of your trip in Africa or the Americas you are required to select this region.

AHM travel insurance is underwritten by Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507.

There are no destination restrictions, but your premiums may be affected by selecting dangerous regions.

Maybe. You may be declined cover if you have previously or are currently experiencing pregnancy complications, or if the conception was medically assisted such as with hormone therapies or IVF. Your cover will only pay for unexpected serious complications up to the 26th week of pregnancy.

Yes. Pre-existing conditions are excluded in general, so the only way to get them covered is by raising them with your insurer.

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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.

    • Staff
      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,
      Zubair

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