ahm Travel Insurance Review

Learn more about ahm’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.

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, updated on June 26th, 2023       

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For more than 40 years, ahm has provided more than 700,000 Australians with insurance for their health, their home, and their travel plans. The travel insurance provider is backed by another big-name company, Medibank, and is headquartered in Melbourne.

If you’re looking for the best travel insurance for your needs, make sure you compare ahm’s plans with Savvy to see how they stack up against other policy providers. This allows you to weigh up benefit limits and excesses and see what is and isn’t included.

Find out more about ahm’s policies, compare them with Savvy and get a quote today.

*Please note that Savvy does not represent ahm for its travel insurance products.

More about ahm travel insurance

What travel insurance policies does ahm offer?

ahm offers several different travel insurance policies, including:

  • Domestic Comprehensive: this type of domestic travel insurance policy gives you coverage for pre-trip cancellation, the excess on a rental car and lost or stolen luggage if you’re taking a holiday anywhere throughout Australia.
  • International Comprehensive: this top-tier international travel policy covers unlimited medical and hospital expenses, cancellation and stolen or missing baggage. You’re also able to include children or grandchildren under the age of 21 in your policy.
  • International Medical-Only: this medical-only plan exclusively covers you for any medical treatment you require while you’re travelling overseas.
  • Comprehensive Annual Multi-Trip: a policy tailored to those taking more than one holiday in the coming 12 months, this multi-trip opens allows you to take unlimited holidays so long as your holiday is more than 250km from your home. You must have also booked at least one night’s paid accommodation.
International Comprehensive International Medical-Only Domestic Comprehensive
Overseas medical
Chosen limit
Chosen limit
Additional expenses
Luggage and personal items
Personal liability
$2.5 million
$2.5 million
$2.5 million
Hospital cash allowance
Accidental death

However, comparing quotes with Savvy allows you to simplify your decision-making process and narrow your choices, no matter if you’re taking a trip to the Middle East or the middle of Australia.

What optional extras are available through ahm?

ahm provides optional coverage to cover travellers taking a range of different domestic and international holidays. Some of the options you get include:

  1. Snow sports cover: this optional extra covers you for accidents and injuries when you’re skiing, snowboarding, and snowmobiling. It also covers you for the closure of ski slopes, bad weather and avalanches.
  2. Increased luggage cover: this add-on is designed for people toting around highly-valuable items on their holidays, such as expensive mobile phones or laptops. You can increase the individual limits on your valuables up to $4,500, but the overall value of the items you’re taking can’t exceed $6,000 if you want to be fully covered.
  3. Motorcycle and moped riding cover: if you’re thinking about tackling your holiday destination on two wheels and still purchase coverage with ahm, you’ll need to take out this additional package to be covered if the unforeseen happens while riding a motorcycle or moped.
  4. Cruise cover: this add-on allows you to extend your coverage to a domestic or international cruise holiday and get protection for incidentals such as onboard medical costs and needing to evacuate your cruise liner due to a medical emergency.

What exclusions should I be aware of when buying travel insurance through ahm?

ahm has a list of general exclusions, which include the following:

  1. Losses caused by terrorist attacks or acts of war
  2. Competing in a competitive sport, such as professional rugby
  3. Breaking the law
  4. Accidents caused because you intentionally put yourself in danger
  5. Ignoring government warnings and travelling to a restricted country
  6. Accidental death claims if you die by suicide
  7. Travelling against medical advice
  8. Accidents caused by alcohol or drug consumption

If you’ve found a policy that draws your eye, ensure you review ahm’s Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of ahm travel insurance

What we like

Discounts for ahm members

ahm is one of a few organisations to offer a discount on travel insurance policies if you’re a member. This allows you to get up to 10% off your policy when you buy it online.

Cover for COVID-19-related costs

ahm offers cover for COVID-19-related costs, whether it’s cancelling your holiday due to a positive diagnosis or needing medical treatment due to being struck down by the coronavirus.

Flexible cancellation cover

While ahm includes $3,000 for cancellation-related cover in its policies, it allows you to opt for more if you need it, making their plans quite flexible no matter if you’re heading to Belgium or Broome.

What we don't like

High excesses

Compared to some of its competitors who offer travel insurance excesses of between $150 and $200, ahm makes you pay $250 if you need to file a claim. However, you can reduce it for a higher premium.

Limited travel delay coverage

For travel delays, ahm provides up to $2,000 in coverage, which is lower than what’s offered by many other travel insurance companies.

Low luggage claim limits

While some providers allow you to claim back up to $15,000 if your bags are stolen, go missing or are damaged, ahm only allows you to be reimbursed up to $8,000.

Types of travel insurance

Why compare travel insurance with Savvy?

Frequently asked questions about ahm travel insurance

What types of activities are automatically included in ahm’s policies?

ahm’s policies automatically include coverage for:

  • Abseiling
  • Kayaking
  • Archery
  • Trekking
  • Surfing
  • Jet skiing
  • Jet boating
  • Flying foxing
  • Snorkelling
  • Parasailing
  • White water rafting
How do I make a claim through ahm?

Making a claim is pretty straightforward with ahm, as they allow you to complete the whole process online. You’ll need to follow these steps once you log in to their portal:

  • Provide ample information about the claimable incident
  • Detail what expenses you’re claiming
  • Upload the documentation you need for them to back up your claim
  • Provide your financial details for your reimbursement
  • Review your application and submit it

ahm says it can take up to ten days for applications to be processed and you have 28 days to return and amend your application after you’ve submitted it. However, altering your application will slow the process.

How much will my ahm travel insurance cost?

Travel insurance premiums vary from one person to the next based on several factors, including:

  • Your date of birth
  • Your chosen destination
  • The level of coverage you buy
  • Any optional extras you need
  • Pre-existing medical conditions you need to disclose
  • The policy excess you choose
  • The type of insurer and insurance policy you buy
What are the difference between single, annual and one-way trip travel insurance?

Single-trip policies only cover one trip to a destination and back. Annual multi-trip policies cover many trips annually (often up to 60 travel days per trip). If you are taking a one-way journey without the option of returning home, you may get travel insurance that will cover you for the whole length of your trip (up to a year). It's relatively uncommon to get an additional year of coverage.

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