Apia Travel Insurance

Find travel insurance tailored to travellers over 50 with the Australian Pensioners Insurance Agency

Apia Travel Insurance provides comprehensive protection against a wide range of travel risks. Apia Travel Insurance covers overseas medical expenses, including hospital costs and ambulance transportation. Unlimited cover is also provided for any cancellation charges you incur when unexpected circumstances force you to cancel your trip. Cover is provided for lost or stolen baggage and travel documents, baggage delay, personal liability and more.

When you make a claim on your Apia Travel Insurance policy, you may be required to pay one of the following types of excesses:

  • Standard excess. This is the initial amount you may be required to contribute towards your claim.
  • Optional excess. Some customers opt to have a higher excess in order to reduce their premium. In such cases, the optional excess replaces the standard excess.
finder.com.au does not currently have access to this travel insurance brand. You may wish to compare options available on the travel insurance homepage.

What is covered by this policy?

Apia Travel Insurance provide comprehensive cover for over 50s. However, before choosing a travel insurance policy, it's best to ask yourself the following questions:

  • Am I covered for cancellation? In cases where circumstances beyond your control (e.g. the illness of a relative) force you to cut your trip short or cancel it altogether, Apia Travel Insurance covers the cost of any cancellation charges and non-refundable deposits for travel and accommodation.
  • Is my baggage covered? Cover is provided when your baggage is lost, stolen or damaged.
  • What happens if my baggage is delayed? If your luggage is delayed for at least 12 hours, you’ll receive an allowance to purchase emergency clothing and toiletries.
  • Are my travel documents covered? When your travel documents are lost or stolen and need to be replaced, the expense of this will be covered by your policy.
  • What about cash, travellers cheques and credit cards, are they covered? Apia offers up to $500 of protection when these are stolen or lost.
  • Am I covered for overseas medical expenses? This benefit covers the cost of your overseas medical and hospital expenses, ambulance transportation and emergency dental expenses.
  • Does the policy cover personal liability? You’ll be covered when you are liable for causing bodily injury or property damage to a third party during your trip.
  • Am I covered for accidental death? Apia Insurance pays a $10,000 (for single policies) or $20,000 (for family policies) benefit if you or anyone else named on your policy certificate dies during your journey or within 12 months of your journey as a result of injuries suffered on your trip.
  • Does Apia Travel Insurance cover emergency expenses? This covers additional travel and accommodation expenses in certain situations, such as if you have to cut your trip short and return to Australia following the death of a loved one.

How much am I covered for?

BenefitSingle policyFamily policy
Cancellation chargesUnlimitedUnlimited
Baggage $5,000$10,000
Emergency baggage$350$700
Travel documents$3,000$6,000
Cash, personal travellers cheques and credit cards$500$500
Overseas medical expensesUnlimitedUnlimited
Personal liability$2 million$2 million
Accidental death$10,000$20,000
Emergency expenses$5,000$10,000
Resumption of journey$3,000$6,000
Missed connection$3,000$6,000

Where can I travel to with this policy?

Apia offers travel insurance policies to cover the regions listed below, keeping in mind that stopovers of up to 72 hours at cities outside your region are permitted.

  • Australia
  • South Pacific and Indonesia. This covers New Zealand, Fiji, Indonesia, Norfolk Island, Papua New Guinea, Lord Howe Island, New Caledonia, Vanuatu, Cook Islands, Samoa, Solomon Islands and Nauru.
  • East Asia. Thailand, Philippines, Malaysia, Vietnam, Cambodia, China, Hong Kong, Macau, Singapore, Taiwan, Laos, Korea, Burma, Borneo, Brunei and Guam.
  • Worldwide. This covers all other countries excluding the above regions and the USA, Canada and Japan.
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What is not covered by this policy?

There are a range of circumstances where your claim will not be paid, including:

  • if you cancel your journey due to your financial circumstances
  • if your journey is cancelled as the result of a travel agent’s default
  • if it exceeds $3,000 for a camera or video recorder
  • if it exceeds $700 for any other article
  • if it is for loss or damage resulting from detention or confiscation by customs officials
  • if it is for the cost of fares or accommodation resulting from the loss or theft of your travel documents
  • if you do not report theft within 24 hours to the police or a relevant authority
  • if it is for expenses that will be covered by Medicare
  • if your personal liability claim arises out of your ownership of land or buildings
  • if your personal liability claim arises from you being under the influence of alcohol or drugs
  • if it is related to war, terrorism or the use of biological or chemical weapons
  • if it results from any unlawful act committed by you
  • if it is for consequential loss for any kind
  • if it relates to air travel of any kind other than as a paying passenger on a commercial airline
  • if it is for a pre-existing condition the insurer has not agreed to cover
  • if it is the result of your suicide or attempted suicide
  • if you undertake paid work during your journey, unless it is for your usual employer and was arranged before you left Australia
  • if it results from your participating in hunting, racing, hang gliding and a range of other adventure activities.
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How much does the policy cost?

There are a number of factors that affect your Apia Travel Insurance premiums. There are a  number of factors that can influence the cost of your premiums including:

  • the length of time for which you will be travelling
  • the countries to which you are travelling
  • whether you have pre-existing medical conditions that need to be covered
  • whether you need to increase your level of baggage cover
  • the amount of our excess.
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Can I get cover with a pre-existing condition?

If you are considering Apia Travel Insurance, it is important to note that you may not be automatically covered for a pre-existing medical conditions. If you wish to take out a policy with Apia Travel Insurance and you have a pre-existing condition, you need to fill out and submit a pre-existing medical form request. It is also compulsory to fill out this form if you are over 75 years of age.

You will need to phone Apia Travel Insurance and obtain a quote for cover, before you can then submit the form to Apia. You  need to get your medical practitioner to complete the pre-existing medical condition form and return it along with your quote number to Apia within 10 days.

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How do I make a claim?

If you need to make a claim, you should contact Apia Travel Insurance as soon as possible by phone. Staff are available 24/7 to provide assistance, so make sure you have your policy documents handy.

Once Apia has been notified, it’s quick and easy to lodge your claim online. To make sure your claim runs smoothly remember:

  • to provide your policy details and information about the nature of your claim
  • to act quickly and take any reasonable steps to minimise your loss
  • if you’re the victim of malicious damage, theft or burglary, report it to the police and obtain a written record of this
  • don’t admit any liability and remember to keep any damaged goods so that they can be assessed by your insurer.
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Tell me a little about Apia

Apia Travel Insurance provides affordable and flexible cover for Australians over the age of 50 for both domestic and overseas travel.

Apia has been looking after the insurance needs of Australians aged 50 and older for more than 25 years. With more than 700,000 customers, a nationwide network of branches and some 450 staff, Apia is committed to offering the best insurance and customer service to Australian seniors. In addition to Apia Travel Insurance, it offers home and contents insurance, landlord insurance, car insurance, health insurance and much more.

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18 Responses to Apia Travel Insurance

  1. Default Gravatar
    leslie | August 22, 2016

    would like a quote on travel insurance, 2 adults, 70 years old, to united states of america, from 1st sept to 18th sept 2016
    regards les

    • Staff
      Richard | August 22, 2016

      Hi Les,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. If you would like to compare policies from the brands in our panel, please head to our travel insurance home page.

      All the best,

  2. Default Gravatar
    Lyn | July 27, 2016

    Please could you quote for leaving AUSTRALIA 7/9/2016 returning 22/9/2016. Cruising 7/9/2016 to 19/92016, calling at Italy, Greece and Turkey. Ages 76 and 75. Quote for pre existing for Parkinson’s and no cover for this
    Thanks Lyn

    • Staff
      Richard | July 28, 2016

      Hi Lyn,

      Thanks for your question. finder.com.au is a comparison service and Apia Travel Insurance is not currently one of the brands we compare. If you would like to get a quote from Apia, you will need to contact them directly.

      However, if you would like to compare the travel insurance brands in our panel, please enter your travel details into the quote comparison tool on the travel insurance home page.

      I hope this was helpful,

  3. Default Gravatar
    | July 23, 2016

    could you please give me a quote for 2 weeks travel to Cambodia and Singapore?

    • Staff
      Richard | July 25, 2016

      Hi Elisabeth,

      Thanks for your enquiry. finder.com.au is a comparison service and Apia Travel Insurance is not one of the brands we compare. If you would like to compare quotes from the brands in our panel, please enter your travel details into the quote comparison tool.

      I hope this was helpful,

  4. Default Gravatar
    Franck | July 18, 2016

    Have you heard of RACV Travel Insurance?
    Any general feedback on what is and isn’t included?
    Appears very cheap for long term members

    • Staff
      Richard | July 19, 2016

      Hi Franck,

      Thanks for your question. finder.com.au is a comparison service and we are not permitted to make personalised recommendations. However, you may find our RACV Travel Insurance review useful.

      I hope this was helpful,

  5. Default Gravatar
    Cathy | July 9, 2016

    Why is it so difficult to get a quote online. I am going to Bali from 25/7 to 31/7/16. I would like a travel insurance quote please. I am 66 years of age.

    • Staff
      Richard | July 11, 2016

      Hi Cathy,

      Thanks for your comment. finder.com.au is a comparison service and Apia travel insurance is not part of the panel of insurance brands we have access to. If you would like to compare the travel insurance brands in our panel, please enter your travel details into the comparison engine on the travel insurance home page.

      I hope this was helpful,

  6. Default Gravatar
    Ranjit | June 4, 2016

    I do have osteo arthritis can I still get cover

    • Staff
      Richard | June 6, 2016

      Hi Ranjit,

      Thanks for your question. finder.com.au is a comparison service and Apia travel insurance is not currently part of the panel of insurers we compare. There is no mention of osteoarthritis in the product disclosure statement.

      You may find our travel insurance for seniors article useful.

      I hope this was helpful,

  7. Default Gravatar
    james | May 4, 2016

    I left my laptop in a taxi after leaving the marina bay sands in Singapore on 14th of april which i reported to the taxi company
    but no damage was done as it was locked and i changed all my bank passwords.
    Do i have any chance of a claim.

    Hoping you can help

    • Staff
      Richard | May 4, 2016

      Hi James,

      Thanks for your question. You actually contacted finder.com.au, an Australian financial comparison service. You will need to contact Apia directly about claims, which you can do so by going to their contact us page.

      All the best,

  8. Default Gravatar
    Robert | March 29, 2016

    Does the overseas comprehensive policy cover damage to or theft of a motor home/

    • Staff
      Richard | March 29, 2016

      Hi Robert,

      Thanks for your question. You’ve contacted financial comparison service finder.com.au, APIA is not one of the travel insurance brands in our panel of insurers. If you would like to find out more about cover from Apia, you can get in touch by heading to their Contact Us page.

      I hope this was helpful,

  9. Default Gravatar
    James | November 6, 2015

    can i get cancellation insurance only,thank you.

    • Staff
      Richard | November 9, 2015

      Hi James,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. If you would like to know more about policies that offer travel insurance without medical cover, please consult our travel insurance without medical page.

      I hope this was helpful,

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