Travel insurance - ahm health insurance (2024)

Because stuff happens, even when you’re on holiday!

ahm travel insurance includes unlimited^ overseas medical and hospital expenses cover, just in case you get sick or injured while you’re travelling outside of Australia.

Depending on the type of cover you choose, ahm travel insurance can also cover your luggage, valuables, cancellations and much more. †

Get a quote

Check out the Combined Product Disclosure Statement/Financial Services Guide(opens in a new tab) (PDS/FSG) which includes details of everything your cover includes and excludes. Make sure you read it so you know exactly what you’ve paid for. No one likes being caught out in the rain!

Travel insurance isn’t just for overseas trips. It can help provide financial cover for a range of unexpected incidents or accidents that can happen anywhere, even if you’re travelling our big backyard.

Find out more about domestic travel insurance.

To get cover for trip cancellation, choose either the International Comprehensive Single Trip cover or International Comprehensive Annual Multi-Trip cover. You can add an extra cancellation amount to make sure your trip is covered if things go pear-shaped.

$3,000 cancellation cover is automatically included on the International Comprehensive Single Trip and Annual Multi-Trip plans.

$10,000 cancellation cover is automatically included on the Domestic Single Trip and Annual Multi-Trip plans. To make a claim for trip cancellations, you’ll need to meet certain criteria, which you can find in the Combined PDS/FSG.(opens in a new tab)

Find more about making a claim.

You can make a travel insurance claim online or download and complete a travel insurance claim form and return it by post with any supporting documents.

Find out more about making a claim.

With ahm travel insurance, you get access to our emergency assistance team of doctors, nurses, travel agents and case managers who are available 24 hours a day, 365 days a year.

If something happens, give us a call using one of the numbers below:

New Zealand - 0800 931 760

UK - 0808 234 2686

USA - 1844 210 9967

Canada - 1844 210 9967

Any other country - +61 (0) 2 8907 5662

Never fear, cover is provided for your valuables up to a certain amount depending on the level of cover you choose. You can also get higher items cover with an additional premium for your valuables (e.g. cameras, laptops, smartphones).*

You’ll be back online and taking selfies in no time!

Lost luggage is the worst! To get cover for lost luggage, choose either Comprehensive Single Trip cover or Comprehensive Annual Multi-Trip cover.*

If you’re travelling with valuables, see “Am I covered if my phone or laptop gets lost, stolen or damaged?”.

Anything can happen when you’re on holidays, which is why having travel insurance with overseas medical and hospital expenses cover is important.

If you’re travelling overseas, ahm travel insurance offers you unlimited^ overseas medical and hospital expenses cover (subject to the conditions outlined in the Combined PDS/FSG).

If you’re sick overseas and need assistance to find the nearest medical clinic, give us a call at anytime.

New Zealand - 0800 931 760

UK - 0808 234 2686

USA - 1844 210 9967

Canada - 1844 210 9967

Any other country - +61 (0) 2 8907 5662

Riding a motorcycle or moped is not one of the activities included in your ahm travel insurance.

To get cover for motorcycle & moped riding, choose either Comprehensive Single Trip cover or Comprehensive Annual Multi-Trip cover and add it as an extra.

Conditions apply to this cover. Read the Combined PDS/FSG for more details.

Everyone’s travel plans are different. The cost of travel insurance varies depending on factors like your destination, how long you’re travelling for, and any add-on’s you might need to suit your trip. You can also choose different excess options to suit your budget.

Planning a trip? Get a quote online with ahm travel insurance.

We sure do! If your trip includes a multi-night sea or ocean cruise overseas or outside Australian coastal waters, then you'll need to add Cruise Cover to your policy to be insured for claims relating to your cruise (e.g. cancelling the cruise) or that occur while on your cruise (e.g. getting sick or injured on-board a cruise vessel). By adding cruise cover, you’ll also get a range of additional benefits like cabin confinement and sea sickness.

You don’t need to add Cruise Cover if you’re travelling on a single-night cruise, on a river cruise (e.g. European river cruise, or a Murray River cruise), only taking a ferry trip, cruising in Australia or in Australian coastal waters (e.g. a Kimberley Cruise) or are sailing. (Note: Sailing is not covered in International Waters).

It’s best to get a quote to suit your trip needs to help avoid any unforeseen sea shenanigans.

Yes - our Comprehensive International and our Domestic travel insurance policies include cover for rental car excess. This cover applies if you:

• hire a rental car;
• are the nominated driver on the rental car agreement; and
• have comprehensive motor vehicle insurance for the rental car for the hire period.

Make sure you check the PDS(opens in a new tab) for how rental car excess works on your travel insurance policy so you can have added protection when you hit the road on your vacay.

Just because you’re not overseas, doesn’t mean things can’t go wrong. Our Domestic Travel insurance cover includes things like cover for lost or damaged goods, rental car excess and pre-trip cancellations (plus heaps more).

Because even down under, adventure comes with its share of surprises. So, depending on the level of travel insurance cover you need, get a quote to find out what best suits for your local vacay.

You sure can - when you’re getting a travel insurance quote, make sure you add everyone you need on the policy, and you’re all set.

Don’t forget, with our comprehensive cover your kids are covered at no extra cost~ (if they’re under 21 and travelling with you).

~Your children or grandchildren travelling with you who are under 21 years of age, who are not in full time employment and are financially dependent on you.

Yes, you can get a travel insurance policy that gives you cover up to your 26th week of pregnancy (i.e. up to 25 weeks, 6 day). However, please note the following important points:

1. If you know about the pregnancy at the time you purchase the travel policy, you’ll need to complete an online medical assessment if either of the following apply to you:
   - there have been complications with this or any previous pregnancy;
   - you are having a multiple pregnancy (e.g. twins or triplets); or
   - the conception was medically assisted (including hormone therapies and IVF).

   Make sure you also complete any additional questions in an online medical assessment to determine that you’re eligible and can get a quote. If you have any questions about the online assessment or want to chat it through, feel free to give one of our customer service agents a call on 1300 690 138 – we’re here to help.

2. Cover is only provided for unexpected serious pregnancy complications which occur before the 26th week of pregnancy.
3. No cover is provided for childbirth or the health of a newborn child, no matter what stage of the pregnancy you are at when the child is

If you’re an expecting mother, make sure you consider everything before taking out a travel policy, especially if you’re traveling past the 20th week of the pregnancy.

Check out the Product Disclosure Statement(opens in a new tab) for all the details on pregnancy cover.