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Travel Insurance FAQs
You’ll find many answers to the most common questions about AAMI’s travel policies here. If you can’t find what you’re looking for or have a specific question regarding your own policy, please contact us.
Am I covered for stopovers?
Yes! You're covered for the first 72 hours of each stopover in a country outside of the region you've selected in your policy. If you plan to spend more than 72 hours in a country you're travelling through, you should select that travel region to make sure it’s a part of your Travel Insurance policy.
For example, say you’re flying from Melbourne to Singapore and spending a week there before flying to London. You should select our Region Two – ‘All countries except the USA, Canada, Japan and countries in Africa’, to make sure you’re covered in both Singapore and London.
What pre-existing medical conditions am I covered for?
While AAMI doesn’t cover losses or expenses arising from most pre-existing medical conditions, there are a few we do:
- Breast cancer/prostate cancer
- Coeliac Disease
- Diabetes/glucose intolerance
- Ear grommets
- Gastric reflux
- Hay fever (allergic rhinitis)
- Hiatus hernia
- Hip/knee replacement
- Hypercholesterolemia (high cholesterol)
- Hypertension (high blood pressure)
- Peptic Ulcer
- Underactive thyroid
Under certain circumstances we may not cover these pre-existing medical conditions; make sure you read our PDS to see exactly what you’re covered for before you hit the road.
What medical expenses do you cover?
With AAMI’s Travel Insurance, we cover the costs of all medical expenses from illness or injury sustained on your journey outside of Australia, with no maximum limit. We also have you covered for dental expenses, as long as they’re needed to repair damage from an injury you’ve sustained through your international travels.
Keep in mind, we don’t cover medical or dental expenses that are:
- Related to most, although not all, pre-existing medical conditions, pregnancy, or childbirth
- Recoverable from Medicare or a health fund
- Incurred 12 months from the date of the injury or illness
- Incurred in Australia
Where am I covered?
AAMI Travel Insurance covers you throughout your international travels, as long as your journey starts and ends in Australia. It doesn’t cover you while you’re in Australia.
Our travel insurance policies are categorised by regions, so you can make sure you’re covered exactly where your travels take you. Setting specific regions can also help you save on your premium.
Do I need to get separate insurance for my hire car?
Yes, you’ll need to take out insurance on your hire car as it’s not included in your Travel Insurance policy. If you do find yourself making a claim with your hire car insurance during your travels, AAMI will cover the excess cost (up to a certain limit).
All you have to do is lodge your claim with your hire car insurer (as you normally would), and provide us with a written report from them that shows you have to pay the excess.
What sports do you cover?
Our Travel Insurance covers some sporting activities but not others.
The ones we don't cover are:
- Professional sport (including training for that professional sport)
- Racing of any kind (other than on foot)
- Football of any kind
- Flying or other aerial activity except as a passenger in a scheduled, commercial power-driven aircraft
- Rodeo riding
- Running with the bulls
- Mountain or rock climbing using ropes or guides
- Diving using breathing apparatus (if you don't hold an open water diving licence)
- Competitive snow and ice sports
Am I covered for working overseas?
You can work overseas covered by your AAMI Travel Insurance if:
- Your work is for your usual employer here in Australia; and
- You'd arranged to do this work before you started your journey.
Outside of this, we don’t provide any cover (including medical expenses) for paid work on your journey.
For example, if after arriving in England you decide to spend two weeks working in a pub in London, your cover is suspended for the entire period you're doing paid work for your British employer.
Are my credit cards, travellers' cheques or cash covered?
No, we don't cover credit/debit cards, travellers' cheques or cash.
However, you are covered up to $500 on a single person policy or up to $1,000 on a multi-person policy for the replacement of lost, stolen or damaged travel documents such as passports, tickets and visas.
Does Travel Insurance cover one-way overseas trips?
Because our Travel Insurance covers trips that start and end in Australia, we don’t insure one-way trips overseas.
This is just a summary. For full details, check the PDS (Product Disclosure Statement) It's dry, we know, but it's essential reading.