ahm Travel Insurance

Flexible cover limits and 10% off premiums for ahm health members are 2 big drawcards but you'll want to read the fine print before you hit "Buy".

Not enough reviews Write a review
Cristal Dyer's headshot

By

Cristal Dyer

Edited by

Moira Daniels

Updated

Fact checked

Key takeaways

  • ahm health members receive a 10% discount on travel insurance premiums.
  • Policies provide unlimited cover for overseas medical expenses and trip cancellation.
  • International policies have a $250 standard excess which can be reduced for an increased premium.

Our Verdict

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.

Pros

  • 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.

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.

Compare your travel insurance quotes

Compare travel insurance quotes from 17 brands – that’s more than any other site in Australia.

Add kids under the age of 1 by typing a "0" 0 traveller(s)

By submitting this form, you agree to our Privacy & Cookies Policy and Terms of Service . By entering an email address you agree to create a Finder account. We will send you an email to setup your password.

Current ahm Travel Insurance deals

1 of 1 result
Updated regularly
Name
ahm

ahm and Medibank members get 10% off travel insurance

ahm is offering 10% off travel insurance for ahm and Medibank Private members. To claim the discount, buy your policy on the ahm website as an eligible ahm or Medibank Private member. T&Cs apply.

Get deal
Get deal
loading
Showing 1 of 1 result

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.

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

Standard features
Optional add-ons
Exclusions

Check icon

Standard 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:

plus icon

Optional add-ons

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 up to $1,500 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.

cross icon

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
  • Elective medical or dental treatment or surgery, a cosmetic procedure
    or body modification, including tattoos and piercings
  • Participating in BASE jumping, hunting or running with the bulls
  • Substance abuse, drug abuse or ingestion of any non-prescription drug
  • Travel against the advice of a medical practitioner
  • An existing medical condition not approved by ahm
  • Travel to seek or obtain medical or dental advice, treatment or review
  • Claims arising from pregnancy after the start of the 26th week, where conception was medically assisted or when complications have occurred
  • Self-inflicted injury or illness
  • Insolvency of a travel agent, accommodation provider or tour operator

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:

  1. Head to https://claims.travelinsurancepartners.com.au/ahm
  2. Enter your full name and policy number to log in
  3. Describe the incident and provide expenses
  4. Upload any supporting documents relevant to your claim
  5. Submit, and you should hear back within 10 working days

<

Frequently asked questions

Compare other products from ahm

To make sure you get accurate and helpful information, this guide has been edited by Moira Daniels as part of our fact-checking process.
Cristal Dyer's headshot
Written by

Writer
Add to Preferred Sources

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. See full bio

More resources on Finder

Get rewarded $$ for switching with Finder Rewards

Find a better deal, save on your bills and get a free gift card. Sign up to be the first to hear about new Finder Rewards.

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

2 Responses

    Jacqueline's avatar
    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.

      Zubair Hassan's avatarFinder
      ZubairFebruary 14, 2017Finder

      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

More guides on Finder

  • AllClear Travel Insurance

    Our verdict: AllClear Travel Insurance covers globetrotters of any age and more than 1,300 pre-existing medical conditions, including heart complications and diabetes.
  • Teachers Health Travel Insurance

    Learn more about Teachers Health Travel Insurance
  • Travel insurance with insolvency cover

    Will you get your money back if your travel agent goes bust before processing your booking? Here's what you need to know.
  • Tick Travel Insurance

    Tick Travel Insurance offers competitive single trip insurance to suit a range of travellers with three levels of cover to choose from.
  • Medibank Travel Insurance

    Medibank is a leading travel insurance provider in Australia offering cover for international comprehensive, international medical only cover and more. Read the finder.com.au review for a breakdown of the policy and more.

  • Westpac Travel Insurance

    Compare Westpac Travel Insurance, see features, and more.
  • nib Travel Insurance

    NIB Travel Insurance: No age limit and cover for 40+ pre-existing medical conditions.
  • Allianz Travel Insurance

    If you are looking for adequate travel cover from a renown provider, then Allianz Travel Insurance may right for you.

  • COTA Travel Insurance

    Compare benefits for COTA Travel Insurance.
Go to site