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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31 Responses

  1. Staff
    AnndySeptember 7, 2017Staff

    Hi Trent,

    Thanks for your question,

    If you are the Owner of the land or building you are occupying during your travel date, and certain circumstances arise where your property has caused bodily injury or property damage to a third party during your trip, this is not covered by the policy.

    If you are a home owner looking for a legal or personal liability cover, you may compare your options here.

    I hope this helps.

    Cheers,
    Anndy

  2. Default Gravatar
    EricaAugust 11, 2017

    I will be taking a 14-day cruise around New Zealand in January 2018. I am 73 years of age. I am an Apia customer regarding other insurances – how much would the premium be for me and should I take it now?

    • Staff
      LiezlAugust 11, 2017Staff

      Hi Erica,

      Thanks for your question. You may enter your travel details on this page to compare cruise travel insurance for seniors. You may click the green “Go to Site” button of your chosen brand to get more details and to purchase. Kindly note that there’ll be no quotation from Apia on the list as we currently do not have access to this insurance company.

      Cheers,
      Liezl

  3. Default Gravatar
    FlorianoMay 1, 2017

    How much is a basic cover to Italy from September 2nd to September 28, for my husband and I. 24 years ago he suffered with angina and had quadruple bypass. His doctor has clear him of any problem. Now his 78 years old and I will be 76 in June. I have no health problems.

    • Staff
      ZubairMay 1, 2017Staff

      Hi Floriano,

      Thank you for your question. You have contacted finder.com.au, a comparison and information service and not actually Apia Travel Insurance.

      Pre-existing conditions are assessed on a case-by-case basis. You may find our travel insurance for heart article helpful. Apia Travel Insurance is not currently one of the brands in our panel of travel insurers so you will need to contact them directly. If you would like to receive a quote from the brands in our panel, please head to the travel insurance home page.

      All the best,
      Zubair

  4. Default Gravatar
    JackieApril 5, 2017

    How much is basic cover to go to England from July 7 th to Sep 2 nd 2017. I am 77

    • Staff
      ZubairApril 7, 2017Staff

      Hi Jackie,

      Thank you for your question.

      You have contacted finder.com.au, a comparison and information service and not actually Apia Travel Insurance.

      Apia Travel Insurance is not currently one of the brands in our panel of travel insurers so you will need to contact them directly. If you would like to compare policies from the travel insurance brands in our panel, please enter your travel details into the quote comparison tool.

      All the best,
      Zubair

  5. Default Gravatar
    BernadetteFebruary 28, 2017

    Does this cover rental vehicle excess

    • Staff
      ZubairMarch 1, 2017Staff

      Hi Bernadette,

      Thank you for your question.

      You have contacted finder.com.au and not actually APIA Travel Insurance, finder.com.au is a comparison and information service and don’t represent any insurance brand listed on our website.

      According to APIA’s PDS there is no mention of any cover for rental excess insurance so you will need to contact APIA directly to check if they provide cover for rental vehicle excess

      If you would like to compare policies with rental vehicle excess option from the travel insurance brands in our panel, please enter your travel details into the comparison form.

      Cheers,
      Zubair

  6. Default Gravatar
    WilliamFebruary 21, 2017

    I am travelling to the United Kingdom, do these policies cover rental cars

    • Staff
      ZubairFebruary 22, 2017Staff

      Hi William,

      Thank you for your question.

      You have contacted finder.com.au and not actually Apia Travel Insurance, finder.com.au is a comparison and information service and don’t represent any insurance brand listed on our website.

      Apia Travel Insurance is not currently one of the brands in our panel of travel insurers so you will need to contact them directly. If you would like to compare travel insurance brands in our panel, please head to our travel insurance with car hire excess cover page.

      Cheers,
      Zubair

  7. Default Gravatar
    MargaretJanuary 7, 2017

    Would APIA insurance cover our (my husband and I) return to Australia and reimbursement for tours/travel lost if something happens to my 89 year old mother or 82 year old brother in law while we are overseas?

    • Staff
      RichardJanuary 9, 2017Staff

      Hi Margaret,

      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.

      You can contact Apia by heading to their contact us page.

      I hope this was helpful,
      Richard

  8. Default Gravatar
    leslieAugust 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
      RichardAugust 22, 2016Staff

      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,
      Richard

  9. Default Gravatar
    LynJuly 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
      RichardJuly 28, 2016Staff

      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,
      Richard

  10. Default Gravatar
    July 23, 2016

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

    • Staff
      RichardJuly 25, 2016Staff

      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,
      Richard

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