Travel Insurance FAQ's
Many of your general questions can be answered here.
If you have a specific question regarding your own policy, please contact us
Where am I covered?
AAMI Travel Insurance can cover overseas travel across the world that starts and ends in Australia. We categorise cover according to regions, so if you select the correct region for your travels, you could also potentially enjoy some savings on your premium.
Am I covered for travel in Australia?
AAMI's Travel Insurance only covers international travel.
While it does include cover for loss or damage to your baggage between your home and the airport, and before you return home at the end of your holiday, it doesn’t cover medical or dental expenses incurred in Australia.
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.
If you plan to spend more than 72 hours in a country you're travelling through, you should select the travel region that includes this country. For example: if 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.
Does travel insurance cover one-way overseas trips?
No, we don't insure one-way overseas trips. You must start and end your trip in Australia to be covered by AAMI Travel Insurance.
Am I covered for working overseas?
Our Travel Insurance will only cover you for paid work during your journey if:
- Your work is for your usual employer here in Australia; and
- You'd arranged to do this work before you started your journey.
We don't provide any cover (including medical expenses) during any other period of 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 English employer.
How long am I covered for?
With AAMI Travel Insurance, your cover is valid from your departure date to the policy end date, up to a maximum of 180 days.
Cancelled travel is covered from the policy issue date to policy end date.
What medical expenses do you cover?
AAMI's International Travel Insurance covers medical expenses from illness or injury sustained on your journey outside of Australia. There's no limit on the most we'll pay.
We also cover dental expenses, so long as they're necessary to repair damage from an injury sustained on your journey outside of Australia.
We don't cover medical or dental expenses that are:
- related to a pre-existing medical condition*, pregnancy or childbirth
- recoverable from Medicare or a health fund
- incurred 12 months from the date of the injury or illness
- incurred in Australia
*There are a very small number of pre-existing conditions that we do cover. Check the PDS for information.
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 replacement of lost, stolen or damaged travel documents such as passports, tickets and visas.
Are hire cars included?
While hire cars aren't insured under AAMI Travel Insurance, the cost of the excess you may have to pay if you make a claim on your hire car insurance policy is (limits apply).
If you hire a vehicle on your holiday, you should always arrange separate hire car insurance for it. Usually you can arrange this with your hire car company.
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
If in any doubt as to whether we’ll cover a certain sport, ask us when you call for a quote.
This is just a summary. For full details, check the PDS (Product Disclosure Statement) It's dry, we know, but it's essential reading.