ahm Travel Insurance Review
Ahm Travel Insurance offers flexible options for leisure and adventure travelers. Backed by the expertise and resources of Medibank, ahm takes a streamlined approach to travel insurance. The insurer’s travel cover can handle unexpected events like medical emergencies, trip cancellations, and lost or damaged belongings.
ahm’s award-winning insurance has been recognized for exceptional value. It includes unique benefits like unlimited overseas medical cover and specialized add-ons for activities like snow sports or motorcycle riding. Moreover, Medibank members enjoy a 10% discount on their travel insurance plans.
| 🔎 Headquartered | Level 2, 695 Collins St, Docklands, VIC 3008, Australia |
| 🛡️ Regulation and Compliance | Authorized representative of Zurich Australian Insurance Limited |
| 📉 Type of Travel Insurance Plans Offered | Single Trip, Annual Multi-Trip, Domestic, International Comprehensive, and International Medical Only |
| 📈 Key Cover Areas | Medical and hospital expenses, cancellation cover, luggage, and personal effects, missed connections, and rental car excess |
| 📊 Emergency Assistance Services | 24/7 emergency support with direct billing for medical expenses, medical evacuation, lost document support, and emergency travel adjustments |
| 💹 COVID-19 Cover | unlimited overseas medical costs, cancellation fees due to COVID-19 diagnosis, quarantine costs, medical evacuation |
| ⬆️ Maximum Cover Limits | Unlimited overseas medical expenses, up to $10,000 cancellation cover, and up to $8,000 for luggage and personal effects |
| 🏈 Adventure and Sports Cover | Kayaking, snow skiing (with add-ons), motorcycle riding under certain conditions, and more |
| 🖱️ Claims Submission Process | Claims submission online or by mail |
| ⏰ Average Claim Settlement Time | 10 working days |
| 🥰 Customer Support Availability | Phone support is available 8 am - 7 pm (Mon-Fri), 9 am - 4 pm (Sat), and 10 am - 3 pm (Sun). 24/7 emergency assistance |
| ☎️ Mobile App and Digital Services | ✅Yes |
| 🌟 Customer Reviews and Ratings | Multiple awards, highly rated |
| 💙 Annual Premium Range | Varies |
| ❌ Exclusions and Limitations | Pre-existing conditions, drug and alcohol dependency, pregnancy beyond 26 weeks, extreme sports, travel against government advice |
| 🎉 Discounts and Promotions | 10% discount on premiums |
| ↪️ Policy Limits and Flexibility | Flexible policy limits |
| 🌎 Global Reach and Market Presence | Australian residents traveling domestically and internationally |
ahm Plan Comparison and Overview
| 🔎 Plan Option | 📌 Features | 💵 Min and Max Premium | 💶 Cover Limits | ❌ Exclusions | ❤️ Ideal For | 🚨 Emergency Assistance | 📲 Mobile App Offered | 🎉 Discounts Available |
| 🥇 Domestic | Cancellation, rental car excess, COVID-19 benefits | Variable | Cancellation up to $10,000, rental car excess up to $5,000 | Pre-existing conditions, high-risk activities | Domestic travelers | ✅Yes | ✅Yes | ✅Yes |
| 🥈 International Multi-Trip | Unlimited medical, cancellation, luggage cover | Variable | Unlimited medical, $3,000 cancellation, luggage cover | Pre-existing conditions, high-risk activities | Frequent international travelers | ✅Yes | ✅Yes | ✅Yes |
| 🥉 Comprehensive | Unlimited medical, cancellation, luggage cover, kids covered free | Variable | Unlimited medical, $3,000 cancellation, luggage cover | Pre-existing conditions, high-risk activities | International travellers | ✅Yes | ✅Yes | ✅Yes |
| 🏅 Comprehensive (Medical-only) | Unlimited medical, emergency dental | Variable | Unlimited medical, and emergency dental up to $2,000 | Non-medical cancellations, pre-existing conditions | Travelers seeking medical coverage | ✅Yes | ✅Yes | ✅Yes |
Travel Insurance Plans and Cover Options
ahm travel insurance is divided into a framework categorized primarily into Single Trip and Annual Multi-Trip options.
The Single Trip plan caters to those planning one-off vacations and has robust protection against unexpected events. The Annual Multi-Trip plan is for frequent travelers and has more yearly coverage for multiple trips.
Plan Options
Here are the options under the Single and Annual Multi-Trip Options:
International Comprehensive Plan
Unlimited overseas medical expenses, cancellation coverage up to $10,000, and personal belongings protection up to $8,000.
International Medical Only Plan
Caters to medical emergencies and offers unlimited coverage but excludes cancellation benefits. Ideal for anyone who requires primarily health overseas coverage.
Domestic Plan
Covers for local trips and includes pre-trip cancellation up to $10,000 and rental car insurance excess up to $5,000.
Medical and Health-Related Cover
Ahm’s travel insurance plans have extensive medical and health-related coverage that addresses emergencies that could happen while traveling.
The International Comprehensive Plan and the International Medical Only Plan have unlimited overseas medical expenses.
Emergency dental expenses are covered up to $2,000, and medical evacuation and repatriation are included. However, travelers must disclose any pre-existing medical conditions because failure to do so will impact cover eligibility.
Trip-Related Cover
Ahm’s travel insurance protects against cancellation or amendments due to unforeseen events. The International Comprehensive Plan covers up to $10,000 for unused travel expenses.
Cover also extends to missed connections, providing up to $3,000 for additional transport expenses if a pre-booked connection is missed.
Ahm ensures that travelers are supported financially should there be any significant delays, disruptions, or cancellations, helping them manage unexpected changes to their itineraries.
Personal Belongings and Luggage
Ahm’s travel insurance has personal belongings and luggage cover to protect travelers from losses due to theft, damage, or loss.
Under the International Comprehensive Plan, travelers are covered for up to $8,000 in personal effects. However, there are item limits, such as $3,500 for cameras and $1,000 for laptops. Claims are also settled according to the item’s value, accounting for depreciation.
Adventure and High-Risk Activity Cover
Ahm’s travel insurance offers high-risk activity cover on certain activities. While standard policies cover some recreational pursuits, certain activities, such as snow skiing or motorcycle riding, require additional cover due to their inherent risks.
| 🔎 Activity Type | 🅰️ Cover Details | 🅱️ Conditions/Exclusions |
| 💧 Water Activities | Covered | Must follow safety guidelines; includes liability exclusions |
| 🎉 Adventure Activities | Covered | Must be recreational, not professional; subject to general exclusions |
| ❄️ Snow Sports | Available with additional premium | Only on-piste skiing, racing, or professional activities are excluded |
| 🚲 Motorcycle or Moped Riding | Available with additional premium | Engine capacity of 250cc or less; valid license required |
| 📌 Aerial Activities | Covered (e.g., hot air ballooning) | Subject to conditions and safety protocols |
| 📍 Exclusions | Private sailing without a commercial operator Hunting and extreme sports like BASE jumping | No cover for activities deemed too risky without proper precautions |
Key Features and Benefits of ahm Travel Insurance
Ahm Travel Insurance offers exceptional value, recognized by Mozo and WeMoney, with access to a dedicated team of medical and travel professionals for emergency support. Flexible add-ons include coverage for motorcycle or moped use, increased luggage limits, snowsport activities, cruise cover, and up to $8,000 for lost or damaged personal belongings.
It also covers up to $5,000 for rental vehicle damage, and children under 21 can be added at no extra cost when traveling with an insured adult. Additional benefits include 24/7 emergency support, direct medical expense coverage, medical repatriation to Australia if needed, and assistance with lost passports or travel documents.
Family and Group Travel Benefits
Ahm’s travel insurance offers specific benefits tailored for families and group travelers:
- Children under 21 traveling with an adult are covered at no additional cost.
- Discounts are available for multiple travelers.
Moreover, Families can easily add or modify cover for multiple travelers during purchase.
COVID-19 and Pandemic-Related Cover
Ahm addresses pandemic-related concerns with specific cover for COVID-19. The key inclusions and exclusions are outlined below:
| 🔎 Cover Type | 📌 Details |
| 🏥 Medical and Hospital Costs | Unlimited cover for COVID-19 diagnosis and treatment overseas |
| 🅰️ Cancellation Cover | Trip cancellation fees are covered if diagnosed with COVID-19 before travel or if a close relative is critically ill |
| 🅱️ Isolation or Quarantine | Cover for additional expenses if placed in quarantine after contact with a COVID-19 case |
ahm Travel and Health Cover Overview
Ahm Travel Insurance combines travel and health coverage to protect all travelers against health-related issues. Here are some key considerations:
| 🔎 Condition Type | 📌 Cover Status | 📍 Notes |
| 📉 Automatically Included | Covered under specific criteria | Conditions like asthma (stable), high blood pressure, and anxiety if no recent changes in medication |
| 📈 Requires Assessment | Must be declared and assessed | Conditions needing recent hospitalization or ongoing treatment require a health assessment before cover is approved |
| 📊 Not Covered | Excluded from cover | Drug dependency, routine treatments, and undiagnosed conditions. |
Pregnancy Cover and Restrictions
Ahm’s travel insurance has limited coverage for pregnancy-related issues. There is a strict guideline for policyholders and the following considerations:
| 🔎 Cover Aspect | 📌 Details |
| 🍼 Normal Pregnancies | Covered with no complications; must declare any past complications |
| 👶🏼 Complications Covered | Serious unexpected complications only up to 25 weeks and 6 days |
| 🧸 Childbirth Exclusion | Costs related to childbirth and neonatal care are not covered |
| 🤍 Additional Assessment | Required for pregnancies involving complications or treatments |
Pricing, Premiums, and Value for Money
Ahm travel insurance pricing depends on certain factors like geographical area, trip duration, age of travelers, and the chosen plan type.
Premiums reflect the risk associated with these factors, ensuring travelers receive value for their investment. Below are the general considerations affecting pricing:
| 📉 Geographical Area | Higher-risk areas result in higher premiums |
| 📈 Departure Date | Premiums rise with the time until departure |
| 📊 Trip Duration | Longer trips typically incur higher costs |
| 💹 Age | Older travelers may face increased premiums |
| 🅰️ Plan Type | Different plans offer varying levels of cover |
| 🅱️ Excess Selection | Lower excess options generally lead to higher premiums |
| ↪️ Additional Covers | Adding options like Cruise Cover increases the total premium |
Comparison of Price to Cover Ratios
When applying for travel insurance, consider how the pricing correlates with the coverage you receive. Ahm aims to deliver a favorable price-to-cover ratio across its plans. Below is a comparison of the International Comprehensive and Domestic plans regarding cover limits and premiums:
| 🔎 Cover Component | 🅰️ International Comprehensive Plan | 🅱️ Domestic Plan |
| 📉 Overseas Medical Expenses | Unlimited | N/A |
| 📈 Cancellation and Amendment Fees | Cover chosen up to $10,000 | Up to $5,000 |
| 📊 Luggage and Personal Effects | Up to $8,000 | Up to $6,000 |
| 💹 Additional Expenses | Unlimited | Up to $10,000 |
| 💱 Personal Liability | $2.5 million | $2.5 million |
ahm Travel Insurance Discounts and Incentives
ahm tries to make travel insurance more affordable for policyholders by offering certain discounts. Policyholders can benefit from a 10% travel and life insurance premium discount.
This discount applies to all eligible members, making it a practical option for those who frequently purchase insurance through Ahm. Ahm also has a loyalty rewards program that offers increasing benefit limits over time for members on combined or standalone extras policies.
How Do I Apply For Travel Insurance with ahm?
There are a few channels through which potential policyholders can apply by following these steps:
- Visit the ahm Website: Go to the official ahm travel insurance page.
- Request a Quote: Enter your travel details to receive a customized quote.
- Choose Your Policy: Select from a few cover options based on your travel needs.
- Provide Personal Information: Complete the required personal and payment details.
- Review and Confirm: Check your selections and confirm the purchase.
Check Email for Confirmation: Check for the email with your Certificate of Insurance after purchasing.
Key Documentation Required When Applying for ahm Travel Insurance
When applying for travel insurance with ahm, you must have these documents. These documents must be uploaded to verify any details you provide during the application.
- A valid form of identification, such as a driver’s license or passport.
- A Certificate of Insurance will be emailed to you upon successful purchase as proof of cover.
- Information related to the payment method used for purchasing the policy.
Important for potential claims on lost or damaged items; documents may include purchase receipts or bank statements.
How Can I Claim Travel Insurance with ahm?
Ahm has an easy claims process to help policyholders navigate any unexpected incidents during travels.
- Policyholders can choose between two primary methods to start a claim: online submission using Ahm’s dedicated travel insurance portal or mailing a completed claim form.
- Supporting documents such as receipts, medical reports, or police statements should accompany the claim. Online submissions are encouraged to streamline processing, with scanned copies of necessary documentation uploaded directly.
- Once a claim is lodged, Ahm will review and respond in 10 working days.
- ahm reserves the right to request additional details or conduct investigations according to the information provided.
If claimants need to mail their documents, they must keep copies for their records, as original documents could be requested during the review process.
How to Submit a Claim with ahm Travel Insurance
Policyholders can submit their claims online via the Ahm website or download and complete a claim form to send by mail.
- Collect all necessary supporting documents, including police reports, proof of purchase, and medical certificates.
- Completed claims can be submitted online or mailed to Ahm’s claim processing address.
For online submissions, policyholders can log in to track the status of their claims.
Supporting Documentation and Evidence Required with Claims
The required documents for travel insurance claims with ahm include:
- Police Report for claims involving theft or loss of property.
- Original purchase receipts, invoices, or bank statements for lost or damaged items.
Medical Reports from healthcare providers if claiming for medical expenses.
How Long Does ahm Take to Process My Claim?
The average processing time for claims with ahm is approximately 10 working days from the date the complete claim form is received. However, factors could impact processing, including the claim complexity and whether additional information and documents are needed.
The claim status will be communicated within 10 days and includes approval, settlement, investigation, or claim declining.
Can I add more than one person to my ahm Travel Insurance Policy?
ahm lets you add multiple travelers to a single travel insurance policy at the time of application. When you go online to ahm for a quote, you can include all necessary travelers by entering their details.
Key Points Regarding Adding Additional Travellers
Kids or grandchildren traveling with you who are under 21, not in full-time employment, and financially dependent on you can be added at no extra cost. This feature enhances the value of ahm’s comprehensive cover.
For other adults or older children, you must provide their details during the policy setup, which may result in an adjustment to your premium. After the policy is approved, changes such as adding new travelers can be managed through the ahm online portal or by contacting customer support.
How to Add More Than One Person
Visit the ahm website and initiate the quote process for travel insurance by clicking on the purple “Get a quote” banner anywhere from the homepage.
- During the quote, enter the information for each traveler, including their names, ages, and any other required details. Also, remember to disclose any pre-existing conditions.
- Choose an ideal cover option for all travelers included in the policy.
- Finalize the application and payment process to secure the policy for all listed travelers.
If you need to add more travelers later, log into the ahm online portal or contact customer support for assistance.
ahm Travel Insurance Upgrades and Downgrades
ahm travel insurance policyholders can upgrade or downgrade their policies. Upgrades provide enhanced cover or additional benefits, while downgrading can be an option to reduce costs if travel plans change.
Key Points on Upgrading or Downgrading:
During the initial 30 days after cover starts, you can review and change your policy without penalties if no claims have been made.
- Thus, you can upgrade and downgrade your policy; refunds are available for any difference in premiums if you choose to downgrade.
- Upgrading your cover requires paying the premium difference from the upgrade date.
- New or increased benefits could be subject to waiting periods and exclusions related to the new plan.
- You can downgrade to a lower level of cover, reducing your premium.
- However, changes will take effect from the modification date if made outside the cooling-off period, altering your benefits.
- Policy changes can be managed using the ahm self-service portal.
You can update trip dates, adjust policy inclusions, and modify traveler information by logging in with your policy details.
ahm Digital Tools and Apps
Ahm doesn’t provide a native app dedicated solely to its travel insurance. However, the ahm app is available for travel insurance policyholders to use.
Key Features of the AHM App
Access and Update Policy Information
Users can check their policy details and review important information about their travel insurance. This feature ensures that travelers have quick access to their cover while traveling.
Manage Your Claims
The app lets policyholders process claims related to their cover and view their claims history. Although detailed claims require additional information, the app facilitates initial management and inquiries.
Customize Policy Inclusions
Travelers can update their insurance details by adding new travelers, modifying trip dates, and adjusting policy inclusions directly through the app, offering flexibility to adapt to changing plans.
Customer Support and Assistance
If issues arise during travel, such as lost luggage or medical emergencies, users can quickly contact AHM’s support team or access essential emergency contact information through the app.
ahm Travel Insurance Additional Services and Benefits
Ahm offers several additional services that enhance the travel experience, going beyond standard coverage. These include COVID-19 coverage for medical expenses, trip cancellations, and quarantine costs, along with rental car excess coverage for damage or theft. Cruise cover includes on-board medical expenses, ship-to-shore transport, and missed port benefits.
Policyholders also have 24/7 access to emergency assistance for medical issues, lost documents, or travel disruptions. Travel delay benefits compensate for extra accommodation and travel costs, while high-risk activities like scuba diving and skiing can be covered.
Personal belongings, including electronics, are protected against loss, theft, or damage, and a hospital cash allowance helps cover incidental expenses. Trip cancellation and amendment fees are also covered, along with access to travel information and health updates for destinations.
How to Switch to Ahm Travel Insurance
You can switch your travel insurance from another insurer to ahm by following these steps:
- Before making the switch, collect your policy information and documents from your existing travel insurance policy, including your policy number, insurer name, and relevant cover information.
- When applying with Ahm, provide your current policy information during the application process. This allows Ahm to request the transfer of your details from your previous insurer, facilitating a more efficient switch.
- If you have already served waiting periods for benefits under your old policy, and if the cover with Ahm is comparable, Ahm typically acknowledges those waiting periods. This helps avoid additional delays in accessing benefits.
After switching to Ahm, you can manage your new travel insurance policy through their online portal or mobile app. This lets you update policy details, adjust traveler information, and review cover inclusions conveniently.
Exclusions and Limitations of ahm Travel Insurance
Like most travel insurance providers, ahm has exclusions, limits, waiting periods, and policies that all policyholders must familiarize themselves with.
These exclusions outline scenarios and conditions under which claims will not be paid in full or where they might not be paid at all.
Major Exclusions
| 🔎 Exclusion Type | 📌 Description |
| 📉 Pre-Existing Conditions | Claims related to medical conditions known or diagnosed before purchasing the policy |
| 📈 Drug or Alcohol Dependency | Claims associated with drug or alcohol dependency or related behaviors |
| 📊 Travel Against Medical Advice | Claims denied if travel is booked or undertaken against medical professional advice |
| 💹 Routine or Cosmetic Medical Treatment | Excludes cover for routine or elective cosmetic procedures or treatments undertaken during the trip |
| ✈️ Conditions Requiring Travel for Treatment | Travel undertaken to seek medical advice or participate in clinical trials is excluded |
| 💊 Undiagnosed Medical Conditions | Claims related to conditions that were undiagnosed or under investigation at the time of travel |
| 🍼 Pregnancy with Known Complications | Any pregnancy-related claims beyond the 26th week or involving known complications at the time of cover |
| 🥺 Terminal Illnesses | Claims related to terminal conditions known before travel are excluded |
| 📉 Consequential Losses | Losses following an event not covered under the policy, such as lock replacements after losing keys |
| 📈 Failure to Exercise Reasonable Care | Claims may be denied if loss, theft, or damage occurs due to the policyholder’s negligence |
| 📊 Non-Passenger Air Travel | Cover does not extend to air travel unless the policyholder is a passenger on a licensed airline |
| 💹 War or Hostilities | Claims arising from war, invasion, civil war, or similar events are excluded |
| 📌 Nuclear and Radiation Risks | Claims linked to nuclear materials or radiation contamination are not covered |
| 🦠 Biological and Chemical Risks | Claims involving harmful biological or chemical substances used to cause harm are excluded |
| 📍 Government Actions | Loss or damage caused by actions taken by customs or authorities is not covered |
| ▶️ Unlawful Acts | Claims arising from unlawful acts committed by the policyholder are excluded |
| ⏹️ Government Interventions | Claims caused by sanctions, regulations, restrictions, or court orders are not covered |
| ⏸️ Known Circumstances | Events known to the policyholder at the time of insurance purchase are excluded |
| 🌡️ Medical Issues Under Investigation | Claims related to undiagnosed symptoms or conditions awaiting further investigation are excluded |
| 🚗 Unfit for Travel | Claims denied if the policyholder traveled knowing they were unfit to do so |
Policy Limits on Claims
| 🔎 Cover Type | 📌 Maximum Benefit Limit | 📍 Notes |
| 🌍 International Comprehensive Plan | Varies based on specific cover details and selected benefits | Details outlined in the Certificate of Insurance |
| 🗺️ Domestic Plan | Up to $10,000 for cancellation cover | Subject to policy-specific limits |
| 💶 Medical Expenses | Unlimited cover for overseas medical expenses | Excludes routine treatments and pre-existing conditions |
| 🧸 Luggage and Personal Effects | Specific item limits apply (e.g., $1,000 for phones, $3,000 for laptops) | Depreciation is considered based on age and condition |
| ❌ Cancellation Cover | Limits vary by plan; International Comprehensive has higher limits | Caps for specific incidents apply |
| ↪️ Additional Services (e.g., Cruise Cover) | Specific benefits and limits outlined within the policy | Enhanced cover for cruise-related incidents |
Waiting Periods and Claim Conditions
| ⏰ Waiting Period Type | 🅰️ Duration | 🅱️ Conditions |
| ⌛ Standard Waiting Period for New Cover | 30 days | Typically applies to certain benefits under new policies |
| ⏲️ Specific Condition Waiting Periods | Varies (e.g., 12 months) | For certain high-risk activities or conditions that need assessment |
| ⌚ Upgrade Waiting Periods | Applicable upon upgrade | May apply to new or increased benefits with the upgraded plan |
Cancellation Benefits
- If you need to cancel your trip, Ahm will cover the non-refundable costs associated with unused prepaid travel arrangements, such as accommodation and other travel expenses.
- If you booked your trip through a travel agent, you can receive compensation for their commission up to a maximum of $4,000 or the amount earned by the agent—whichever is less.
- If you lose frequent flyer points or similar rewards due to cancellation and can’t be recovered, Ahm compensates you based on the cost of an equivalent booking minus any cash payments you made.
Policy-Specific Limits
- International Comprehensive Plan: The maximum cancellation benefit you can claim is based on the level of coverage you chose at the time of purchase, as stated in your Certificate of Insurance.
- Domestic Plan: This plan has a cancellation cover limit of $10,000 for eligible costs.
- International Medical Only Plan: This plan does not offer cancellation coverage.
Exclusions and Specific Conditions
Policyholders must be aware of certain exclusions that apply to the cancellation cover:
- Government Travel Warnings: Costs will not be covered if you need to cancel due to government-issued travel bans or mandatory quarantines.
- Transport Provider Cancellations: Claims arising from cancellations or schedule changes by transport providers (except in the case of strikes) are also not covered. However, unused accommodation costs could be eligible for reimbursement if your transport is delayed by more than 90 minutes.
Cancellations made only due to changing plans or reluctance to travel aren’t covered.
COVID-19 Related Benefits
Ahm understands that COVID-19 might still pose some challenges and has specific provisions in place:
- If you or a traveling companion are diagnosed with COVID-19 before your trip, and a qualified medical professional deems you unfit to travel, the policy will cover the resulting cancellation costs.
If a diagnosis occurs during your trip, the policy extends cover to losses from cancellations due to the illness.
How Do I Contact ahm Travel Insurance Customer Support?
Contacting ahm is easy, with several available channels for policyholders and non-policyholders. For general inquiries, you can reach them by phone at 1300 690 097, available Monday to Friday from 8 am to 7 pm, Saturday from 9 am to 4 pm, and Sunday from 10 am to 3 pm (AEDT).
You can also email [email protected] or mail them to Ahm Travel Insurance, c/o Travel Insurance Partners, PO Box 168, North Sydney NSW 2060. For 24-hour emergency assistance, call 0800 931 760 in New Zealand, 0808 234 2686 in the UK, 1844 210 9967 in the USA and Canada, or +61 (0) 2 8907 5662 from other countries (charges may apply).
Key Features of Emergency Assistance Services
| 🔎 Service | 📌 Description |
| 📉 Locating Medical Facilities | Helps policyholders find suitable medical care and monitors their treatment |
| 📈 Direct Billing | Major medical expenses can be billed directly to hospitals, relieving the financial burden for policyholders |
| 📊 Medical Repatriation | Coordinates transport for medical repatriation to bring the policyholder home or to another facility |
| 💹 Lost Document Support | Assists with recovering lost passports, travel documents, or credit cards by contacting relevant authorities |
| 🌎 Travel Plan Adjustments | Assists in changing travel plans in emergencies, especially when travel consultants are unavailable |
Customer Reviews and Satisfaction
🥇 Positive Experience with Ahm Travel Insurance
I’m delighted I purchased Ahm Travel Insurance for my recent abroad vacation. Online claim filing was easy and saved me time. Customer support was helpful, and I received my compensation a week after making the claim. I traveled with peace of mind.
🥈 Simple and Supportive Cancellation Process
I had to cancel a vacation due to a family issue, and the cancellation claim procedure was simple. I felt encouraged and guided by Ahm’s team. Their openness and communication were appreciated.
How Do I Submit Feedback or Complaints?
Policyholders who want to provide feedback or lodge complaints regarding ahm Travel Insurance can do so by following these steps. Policyholders should first contact the customer service team through any of the following channels:
- Phone: Call the customer service number.
- Email: Send an email to the designated complaints address.
- Mail: Write to the Customer Relations Manager at the specified mailing address.
Complaints will be acknowledged within 24 hours or as soon as possible. If the issue is not resolved in the initial response, policyholders can escalate it to the internal dispute resolution team for further review. Additional information on the process is available upon request.
If the complaint remains unresolved or isn’t covered by ahm’s internal dispute resolution, policyholders may contact the Australian Financial Complaints Authority (AFCA).
ahm Travel Insurance Awards and Recognition
Ahm Travel Insurance has earned notable awards for its exceptional value in travel insurance products. Recently, it received the Mozo Expert Choice Award for 2022, 2023, and 2024 in the category of Exceptional Value Annual Multi-Trip Travel Insurance, recognizing its outstanding value in annual travel coverage.
ahm Travel Insurance vs Bupa Travel Insurance vs Allianz Travel Insurance – A Comparison
| 🔎 Metric | 🥇 ahm | 🥈 Bupa Travel Insurance | 🥉 Allianz Travel Insurance |
| 📉 Plan Name | International Comprehensive, International Medical Only, Domestic | International Plus, International Essentials, Domestic, Annual Multi-Trip | Comprehensive, Basic, Domestic, Multi-Trip |
| 📈 Premium Range | Varies by area, duration, age, plan type | From $36/month for Essentials, $50/month for Plus | Basic Single Plan from $218; Comprehensive Single Plan from $306 |
| 📊 Cover Limits | Unlimited medical, up to $10,000 cancellation, $8,000 belongings | Up to unlimited medical overseas, up to $12,000 luggage, $10,000 rental car excess | Medical: Unlimited; Luggage: Up to AUD 10,000; Liability: AUD 5 million |
| 💹 Key Cover Areas | Medical, cancellations, belongings, rental car excess | Medical, cancellations, personal liability, emergency assistance, COVID-19 benefits | Emergency medical expenses, trip cancellation, baggage loss, personal liability, rental vehicle excess |
| ❌ Exclusions | Pre-existing conditions, drug/alcohol dependency, elective treatments | Excludes high-risk activities without add-on, pregnancy-related past 24 weeks | War, terrorism, pandemics without policy endorsement, high-risk activities without add-ons |
| 🦠 COVID-19 Cover | Unlimited medical, cancellation for diagnosis, quarantine costs | Medical costs and trip disruptions for COVID-19 | Medical expenses, trip cancellation, additional quarantine expenses if diagnosed |
| 🩷 Ideal For | International, frequent domestic, and adventure travelers | Travelers seeking flexible add-ons for adventure activities and high cover limits | Customizable cover, frequent travelers |
| 🏈 Adventure Sports Cover | Optional add-ons for snow sports, motorcycle, and water activities | Add-on available for high-risk sports like skiing and diving | Available via add-on packs |
| 🚨 Emergency Assistance | 24/7 support, direct billing, repatriation, lost documents | 24/7 emergency support | 24/7 assistance |
| 📲 Digital Access and App | Policy management, claims tracking, and support via the ahm app | Access via the myBupa app and online portal | Online portal, app availability |
| 📌 Special Features | Discounts, free cover for kids under 21, flexible add-ons | Discounts for Bupa health members, flexible limits on baggage and cancellations | Add-ons for sports, cruise; adjustable excess |
| ⏰ Claim Settlement Time | ~10 working days | 10 business days | 10 business days |
Who Should Consider ahm Travel Insurance?
Here’s a detailed look at the groups that can benefit from ahm’s offerings based on their unique needs.
International Comprehensive Plan
- Australian residents planning international trips.
- Those with pre-existing medical conditions are eligible for additional coverage.
- Travelers who want protection against emergency medical expenses.
- Pregnant travelers (less than 26 weeks) with low-risk pregnancies.
- Individuals wanting trip cancellation cover for non-refundable expenses.
- Travelers engaging in high-risk activities (e.g., motorcycle riding, winter sports).
International Medical Only Plan
- Australian residents traveling internationally.
- Individuals with pre-existing conditions (with additional premium).
- Travelers who need cover for emergency medical expenses abroad.
- Pregnant travelers (less than 26 weeks) with low-risk pregnancies.
- Participants in high-risk activities requiring cover.
Domestic Plan
- Australian residents traveling domestically.
- Individuals with existing medical conditions may need cover.
- Pregnant travelers (less than 26 weeks) seeking cover for complications.
- Those who require trip cancellation cover for non-refundable costs.
- Travelers engaging in high-risk activities like motorcycle riding.
Pros and Cons
| ✅ Pros | ❌ Cons |
| Comprehensive coverage options | Exclusions for pre-existing conditions |
| Flexible add-ons for high-risk activities | Limited pregnancy-related cover |
| 24/7 emergency assistance | Higher premiums for certain policies |
| Covers children under 21 at no extra cost | Requires full medical disclosure |
| Recognized for value (Mozo Award) | Not all destinations covered equally |
In Conclusion
ahm Travel Insurance stands out with comprehensive coverage, including unlimited medical expenses, personal belongings protection up to $8,000, and generous cancellation limits. Add-ons for high-risk activities and 24/7 emergency support make it family-friendly.
However, exclusions for pre-existing conditions and certain activities, along with limitations on pregnancy coverage, may affect some travelers. Overall, ahm offers strong, flexible coverage with clear limits, ideal for Australians seeking robust protection.
You might also like:
- Allianz Care Travel Insurance
- Australia Post Travel Insurance
- Budget Direct Travel Insurance
- Bupa Travel Insurance
- Cover-More Travel Insurance
Frequently Asked Questions
Does Ahm cover medical emergencies abroad?
Yes, Ahm’s comprehensive plans cover limitless international medical and hospital bills, including hospital stays, surgeries, and emergency medical evacuation.
Does Ahm cover skiing and snowboarding?
Yes, Ahm provides an optional Snow Sports Cover for recreational, non-competitive, and on-piste activities such as skiing and snowboarding.
How does Ahm cover COVID-19?
Ahm’s COVID-19 benefits cover medical expenses for travelers diagnosed overseas as well as trip cancellations caused by the virus. If you go against official advice, you will not be insured.
What happens if I lose my luggage?
Ahm ensures lost, stolen, or damaged luggage, including travel papers and valuables. Item restrictions apply based on your insurance option.
