Question 1

What COVID-19 benefits are included in ahm travel insurance?

Accepted Answer

See all our common questions regarding COVID-19 and ahm travel insurance.

Question 2

Why do I need travel insurance?

Accepted Answer

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

Question 3

How do I know what I’m covered for?

Accepted Answer

Check out the Combined Product Disclosure Statement/Financial Services Guide (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!

Question 4

Do I need insurance if I’m travelling in Australia?

Accepted Answer

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.

Question 5

What if my trip gets cancelled?

Accepted Answer

International Comprehensive Single trip and Annual Muti Trip plans include $3,000 Cancellation Cover per policy (option to increase cover is available at an additional cost)*.​
Domestic Single trip and Annual Multi Trip plans include $5,000 Cancellation Cover per policy (option to increase to $10,000 cover at an additional cost).​
To make a claim for trip cancellations, you’ll need to meet certain criteria, which you can find in the Combined PDS/FSG.​
Find more about making a claim.

Question 6

How do I make a travel insurance claim?

Accepted Answer

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.

Question 7

How can I get help while I'm travelling?

Accepted Answer

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

Question 8

Am I covered if my phone or laptop gets lost, stolen or damaged?

Accepted Answer

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!

Question 9

My luggage is lost, am I covered?

Accepted Answer

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?”.

Question 10

What if I get sick or injured while on my trip?

Accepted Answer

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

Question 11

Can I ride a motorcycle or moped while I’m away?

Accepted Answer

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.

Question 12

How much is travel insurance?

Accepted Answer

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.

Question 13

Does ahm travel insurance cover cruises?

Accepted Answer

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.

Question 14

Does ahm travel insurance cover for rental cars?

Accepted Answer

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 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.

Question 15

Do I need travel insurance for domestic travel in Australia?

Accepted Answer

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.

Question 16

Can I add more than one person to my policy?

Accepted Answer

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.
Kids covered at no extra cost. If they're travelling with you, identified on the certificate of insurance and under 18.

Question 17

Does ahm travel insurance cover skiing or snowboarding?

Accepted Answer

If you’re planning on hitting the slopes while on holidays, which includes snow skiing, snowboarding, and snowmobiling, you can add-on our Snow Sports Cover option when getting a travel insurance quote.

Question 18

Do I get a discount on ahm travel insurance being a health member?

Accepted Answer

You sure do! Both ahm and Medibank health members get 10% off travel insurance policies.

Question 19

What happens after I complete my ahm travel insurance quote?

Accepted Answer

Once you’ve finished your ahm travel insurance quote and purchased your travel insurance policy online, you’ll get email confirmation straight away with your Certificate of Insurance plus the info and important documents you might need, like your PDS.

Question 20

Does ahm travel insurance cover me if I’m pregnant?

Accepted Answer

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:
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.

Cover is only provided for unexpected serious pregnancy complications which occur before the 26th week of pregnancy.
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 born
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 for all the details on pregnancy cover.

Question 21

Travel alerts for Bali

Accepted Answer

When travelling to Bali, it’s important to be aware of potential natural disasters like earthquakes, floods, tsunamis and volcanic eruptions that may cause flight disruptions or delays. There are three main volcanoes (Agung, Batur, Bratan) in Bali and more than 139 active ones that may impact your flight plans. Make sure to check travel alerts for Bali so you have the most up-to-date information.

Question 22

Do I need a visa for Bali?

Accepted Answer

As an Australian tourist, you are eligible for a visa on arrival or an online visa (available up to 14 days before travel). This tourist visa lasts up to 30 days from when you land in Bali. Make sure your passport is also valid for at least 6 months from the date you plan to return to Australia. Find out more visa related information via Bali’s official website.

Question 23

What is the best time to visit Bali?

Accepted Answer

Bali is a popular destination all-year-round, but most travellers will visit between May to October – the dry season. During this time, the weather is warm and humid with less chance of rain.

Bali Travel insurance

ahm’s award winning travel insurance!

Travel insurance for Bali

Medical & Hospital

Cancellation cover*

Cover for lost or damaged goods±

Kids covered at no extra cost

COVID-19 Travel Insurance Benefits

Pet boarding

Choose cover that works for you

Comprehensive travel international

Annual multi-trip travel insurance

Medical only travel insurance

Domestic travel insurance

Add-ons for Bali

Motorcycle or moped cover

Increased luggage limit

Increase cancellation cover

Cruise cover

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Common questions

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