Apia Travel Insurance
Find travel insurance tailored to travellers over 50 with the Australian Pensioners Insurance Agency.
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Important:Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
- If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
- If your travel plans go against government advice, your policy will most likely be voided and you won't be covered
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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?
|Benefit||Single policy||Family policy|
|Cash, personal travellers cheques and credit cards||$500||$500|
|Overseas medical expenses||Unlimited||Unlimited|
|Personal liability||$2 million||$2 million|
|Resumption of journey||$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.
- 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.
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.
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.
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.
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.Back to top
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.
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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