Travel insurance add-ons: cover options to suit your trip

Every trip’s a little different. Maybe you’re heading to the snow, cruising the coast, or travelling with gear you’d rather not lose. If your plans go beyond the usual, it might be worth looking at travel insurance add-ons.

That’s why ahm travel insurance offers a range of add-on options - so you can customise your cover to suit your trip, not the other way around.

Before you go: what are travel insurance add-ons?

Add-ons are options you can add to your travel insurance policy for an extra cost. They give you protection for specific activities, belongings or situations that a standard travel policy might not cover.

When add-ons might be worth considering

1. You’re hitting the slopes 
Standard travel insurance often excludes snow sports. If you’re heading to the mountains, ahm’s snow sports add-on can help with: 

• Injuries on the slopes
• Piste closures or avalanche delays

Tip: Some policies may require helmets or limit cover to certain resorts or countries - it might be worth checking before you go.

2. You’re going on a cruise 
Cruises come with their own set of surprises - from missed port stops to unexpected medical needs onboard. 

ahm's cruise add-on can help cover:

• Medical treatment at sea
• Cabin confinement due to illness
• Missed shore excursions

Tip: Even short, local cruises might need a bit of extra cover. Check out the Combined PDS/FSG for all the nitty-gritty or give us a call on 1300 574 042 if you’re unsure.

3. You’re hiring a car or motorbike 
If your rental vehicle gets damaged or stolen, the excess charges from the hire company can really add up.

ahm’s rental vehicle insurance excess add-on may help cover those insurance excess costs- depending on your policy and situation.

Tip: Some car hire companies charge a daily fee to reduce the excess. It might be worth checking how that compares with what’s included in your travel insurance. For full details, see the Combined PDS/FSG.

4. You’re packing more than just the basics 
If you’re travelling with extra luggage - like sporting equipment, gifts, or gear for a longer trip? 

ahm’s increased luggage add-on can help cover higher-value items if they’re lost or stolen±. 

Tip: It may be helpful to check the per-item and total limits, especially if you’re packing for multiple people or special occasions. 

You’ve got big plans (and big bookings) 
If your trip includes non-refundable bookings or higher costs, ahm’s cancellation cover upgrade may help protect your investment.

This add-on can help cover things like higher trip costs.

Tip: ahm travel insurance policies include up to $3,000 cancellation cover*. If your trip’s costing more like big bookings or early plans - you can bump up your cover with an upgrade!

Wrapping it up: custom cover for custom trips

Add-on options can give you the flexibility to tailor your travel insurance to match your travel plans - whether you’re cruising, skiing, or travelling with gear you can’t afford to lose. It’s all about picking cover that best fits your trip, so you can focus on the fun and adventures ahead.

So, if you’re looking to customise your policy, ahm travel insurance could be worth exploring.

For all the details, check out the Combined PDS/FSG or get in touch with the ahm travel insurance team if you’ve got questions.