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Travelling the world or staying closer to home? To see our cover options we just need a little bit of info from you.

  1. What country will you spend most of your trip in? Help(?) - Where is your trip?

    Not sure? See region list

    What country will you spend most of your trip in?

    Area of Travel
    Where you travel to will influence your premium.

    You will need to choose/enter the main destination/country based on where you will spend the most time.

    Travelling to the Americas or Africa?
    If you'll be spending 20% or more of your trip in the Americas or Africa, you must select "Anywhere in the world" or " Worldwide including the Americas or Africa" or enter and select a country of the Americas or Africa (no matter where you are going before or after).

    What about a cruise?

    • In Australia (e.g. on the Murray River) or in Australian coastal waters (e.g. a Kimberley Cruise) - Please choose or enter "Australia".

    • From a port in Australia to another port or ports in Australia without any stopover at a port outside of Australia (e.g. a 'Sampler Cruise', a cruise from Sydney to Brisbane) - Please choose or enter "Domestic Cruising".

    • Overseas (e.g. a European river cruise, Caribbean cruise or a cruise from Hong Kong to Sydney) or from a port in Australia to another port or ports outside Australia (e.g. Sydney/Singapore) - Please choose or enter the main area or destination/country based on where you will spend the most time on your trip.

    Looking for an Annual Multi-Trip policy?
    Please enter and select the country or region which will cover all the countries you plan on visiting over the year and where you will spend the most time taking into account the 20% rule above for the Americas and Africa. Cover includes domestic journeys if the destination is more than 250 kilometres from home or, if less than that, Your trip must include at least one night paid accommodation booked with an accommodation supplier or provider (including a hotel, Bed & Breakfast (B&B), serviced apartment or peer to peer service such as Airbnb).

  2. When is your trip?

    Enter the date you leave home and arrive home. Consider time differences/zones and travel times.

    When is your trip?

    The date you enter here will be different for Single Trip and Annual Multi-Trip policies.

     

    Single Trip

    The date that you start your travel (i.e. the date you leave home) and the date you complete your travel (i.e. arrive back at your home).

    Remember to take into account time differences / time zones and travel times.

    Cover for any cancellation or amendment costs (where available depending on the plan selected) begins from the time you buy the policy. If you want to include cover in case you have to amend or cancel your trip, select a plan that includes the appropriate level of cancellation cover for your needs.

    Cover under all other sections begins from the start date you enter.

     

    Annual Multi-Trip

    The start date is today's date and the end date is the date one year later.

    The Annual Multi-Trip policy is not available on an International Medical Only Plan.

    Please read the definition of “Period of Insurance” and “Relevant Time” in the PDS for further information.

  3. Number of travellers

    Select the number of travellers to be covered by this policy from the dropdown box then enter the age of each traveller including accompanied children.

    "Accompanied Children" means your children or grandchildren who are identified on the Certificate of Insurance and travelling with you on the journey, provided they are not in full-time employment and they are under the age of 21 years.

  4. Current ages of travellers

  5. Are all travellers currently living in Australia, and:

    • are they Australian citizens with a valid Australian Medicare card, or

    • do they hold a visa allowing them to live, work or study in Australia?

    If any traveller has already left their home in Australia and are on their trip this cover is subject to a 3 day no-cover period. This means there is no cover under any section for any event that has occurred already or that arises within the first 3 days of buying the policy.

    Do all travellers live in AU?

    Please note that policies can only be issued to Australian citizens and permanent residents who will be returning to Australia at the completion of the period of insurance and within 12 months of the journey commencing; and who have not yet commenced their journey.

  6. I'm an ahm member

    A 10% discount will be offered to ahm members.