AHM Travel Insurance Review - Your guide to coverage, pricing, claims and more

Travel insurance should be considered an essential part of any trip, providing financial protection and peace of mind against life’s unexpected events. Whether it’s a medical emergency, a missed flight or your bag going missing, having the right coverage can make a big difference.

ahm is a well-known insurance provider, offering various policies to Australian consumers. In this guide, we’ll explore AHM’s travel insurance policies, breaking down coverage, cost, and exclusions of their international plans. We’ll also touch on Wise, a useful travel companion that can help your money go further overseas by saving on foreign transaction fees.

What is ahm travel insurance Australia?

ahm is an Australian insurance provider that offers coverage for various aspects of life including ahm car insurance, health insurance, pet insurance, home insurance and of course travel insurance.¹ As a company they’re owned and backed by Medibank Private, one of the country's leading private health insurers.

ahm travel insurance eligibility

To hold an ahm travel insurance policy, you must meet one of these sets of eligibility criteria.²

• Australian resident with a valid Medicare card
• Have a visa to live, work or study in Australia and will be returning to your home in Australia after the Period of Insurance

At the time of buying a policy you must also not be aware of any circumstances that could be likely to give rise to a claim.

If you’re buying an Annual Multi-Trip policy there’s a few additional criteria in place for a trip to be eligible for coverage.

• The destination is more than 250 km away from home
• There’s at least one night’s paid accommodation booked with an accommodation supplier or provider
• The length of each trip can’t exceed the limit on the Certificate of Insurance

Types of ahm insurance packages available

When it comes to their international travel insurance, ahm only has two policies available.²

• International Medical Only (Single Trip)
• International Comprehensive (Single Trip or Multi Trip)

ahm travel insurance plans

Choosing the right travel insurance plan comes down to your specific needs, including where you're travelling, how much coverage you want, your budget, and any policy exclusions that might affect you. To help you decide, let’s take a closer look at AHM’s international travel insurance options, focusing on the main benefits and coverage limits, pricing, and key exclusions.

ahm travel insurance medical coverage

First let’s explore the medical coverage AHM offers international travellers while they’re overseas.²

ahm travel insurance travel-related coverage

Aside from medical coverage, travel insurance can also provide coverage for unexpected events that impact your journey like cancellations and theft. Let’s see how ahm’s two plans compare, and whether International Medical Only covers anything else.²

When reviewing the policy limits keep in mind there may be sub-limits that apply. You can find out exactly what these are by reading the current PDS.

ahm travel insurance price

Travel insurance prices are variable, often changing based on your age, pre-existing conditions, destinations, trip duration and the insurance policy, add ons and excess you choose.

To give you an idea of ahm’s pricing, this is what a 35 year old would be charged for while visiting these destinations for two weeks, based on a $250 excess.³

To get a realistic idea of what insurance for your travel plans would cost, you can get a real time quote from the AHM website.

ahm travel insurance policy exclusions

When buying any travel insurance it’s wise to check the PDS for any exclusions that might impact your plans. Like many insurers, AHM has a list of general exclusions that outlines situations where you wouldn’t be covered, with these being some of the things on the list.²

• Loss or damage caused by detention, destruction or confiscation by Customs
• Pregnancy after the 26th week
• Claims related to you drinking too much alcohol
• Participating in certain activities including free BMX riding, off-piste skiing, running with the bulls
• Motorcycling without additional Motorcycle/Moped cover
• Scuba diving without a qualified instructor or holding an Open Water Diving Certificate
• Not following “Do not travel” advice issues on the Australian government SmartTraveller website

Add-ons for ahm insurance plans

AHM offers three activity add-ons to expand the coverage offered by their insurance policies.²

• Cruise Cover
• Motorcycle/Moped riding
• Snow Skiing, Snowboarding and Snowmobiling

These conditions for when you need to buy each add-on are included in the AHM travel insurance PDS.

Is there ahm cruise travel insurance?

If you're heading off on a cruise then you need to make sure you’re insured for that. With ahm, you don’t need to buy Cruise Cover for these trips:²

• River cruise
• 1 night cruise
• Cruising in Australian coastal waters
• Are sailing (not in international waters)

For any other cruises you will need to buy ahm Cruise Cover which can be purchased with the International Comprehensive and International Medical Only plans. These are the benefits you gain by having Cruiser Cover.

Is there ahm travel insurance cover for rental cars?

ahm provides rental car insurance to International Comprehensive policy holders.² It covers the rental car insurance excess or repairs cost, whichever is lower, if it’s damaged or stolen while in your control. To take advantage of this you need to be the nominated driver and have comprehensive vehicle insurance for the rental period.

Making an ahm travel insurance claim

There are two ways to make a claim with ahm, online or by post.⁴

To make a claim online you need to head to the online portal and follow the prompts to enter your claim details and provide copies of any supporting documents, like receipts, medical certificates and police reports.

If you’d prefer to mail your claim in, you need to complete a claim form and send that along with original copies of the supporting document to their office.

How to cancel an ahm insurance claim

If for whatever reason you need to cancel your travel insurance claim, it’s best to reach out to ahm directly using the up to date contact details on the claim page of their website.

Travelling somewhere? Safeguard yourself from hidden fees with Wise.

Traveling with peace of mind starts with the right insurance. Once you’ve got your travel insurance lined up, it’s time to work out the best way to spend when you’re overseas. Meet the Wise account and card.

Open a Wise account online or in the Wise app, add money in AUD right from your bank account, and switch to any of the supported 40+ currencies with the mid-market exchange rate. That can mean you save significantly compared to using your bank, as you’ll avoid foreign transaction fees and rest assured you’re getting one of the fairest exchange rates out there along with low, transparent fees. You’ll also be able to get a linked Wise card to use for contactless payments, add your card to a wallet like Apple Pay, or make ATM withdrawals when you need cash.

No matter where you’re headed, take Wise with you, and save up to 7x when you spend internationally.

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Savings claim based on our rates vs. selected Australian banks and other similar providers in Jan 2025. To learn more, please visit https://wise.com/au/compare

Please see Terms of Use and product availability for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.

Sources last checked on date: 7 March 2025