AAMI Travel Insurance

AAMI is a provider of travel insurance, car insurance, home insurance, health insurance, and life and income protection insurance.

Compare AAMI Travel Insurance policies

The table below displays a snapshot of AAMI Travel Insurance’s policies on Canstar’s database, sorted by Star Rating (highest to lowest). Please note the products and Star Ratings displayed are based on a couple travelling to the USA aged under 70.

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What types of travel insurance does AAMI Travel Insurance offer?

AAMI Travel Insurance offers only international travel insurance, with specialised policies for annual travellers, seniors, cruisers and skiers. All of these fit under AAMI’s comprehensive travel policy.

If you’re unsure as to which kind of travel insurance is most appropriate for you, or would like to better understand the differences between the different types of cover, check out our comprehensive guide on travel insurance.

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What does AAMI Travel Insurance’s international travel insurance cover?

AAMI Travel Insurance’s international comprehensive policy will cover you for:

  • Medical cover: AAMI has unlimited medical, dental and hospital cover; however, you must provide a medical practitioner’s report confirming you’re unfit to travel.
  • Loss/theft of personal items: AAMI also covers the loss or theft of personal items, including trip delays or damage. It will pay up to $6,000 for various items.
  • Travel delays/cancellation: AAMI has unlimited cancellation or travel delays with additional travel and accommodation due to strikes, natural disasters, riots or other severe weather conditions .
  • Rental car excess: If, as a result of an unexpected event, the rental vehicle you have hired is stolen or damaged during your journey, AAMI Comprehensive will reimburse you for any non-refundable excess payable to the rental vehicle company of up to $1,000.
  • 24/7 assistance: AAMI Travel’s worldwide assistance team is available 24 hours a day via phone.
  • Lost or stolen documents: AAMI will cover the cost involved in replacing important documents that have been lost or stolen.

Please note that exclusions may apply. For example, your medical cover may not pay claims for medical or dental treatment received in Australia, and will only cover losses related to pregnancy up to and including the twentieth week. Another example of an exclusion is not being covered for any delays caused by a natural disaster occurring before the start date of your insurance.

For more details about what is and isn’t covered, check out the Product Disclosure Statement on AAMI’s website.

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Yes, AAMI’s comprehensive policy has unlimited cover for overseas medical and hospital expenses under the following circumstances:

  • You need medical assistance for an unexpected illness
  • You’re seriously injured in an accident
  • You need to be evacuated for an unexpected injury

As always, various conditions and exclusions will apply. It’s highly unlikely that you will be covered if the injury you suffer is classified as a ‘pre-existing condition’, for example.

For more information on whether you’re covered or not, read AAMI Travel Insurance’s Product Disclosure Statement.

Yes, AAMI will cover you up to a certain amount for replacing or reimbursing luggage and personal effects that are lost, stolen or damaged while travelling.

Under AAMI’s comprehensive policy, up to $12,000 worth of your belongings will be covered. AAMI will also cover:

  • The cost of essential medication if its lost or destroyed
  • Up to $1,000 per item for essential items
  • $4,000 per item for laptops, tablets, cameras, etc.

Again, there are exclusions that come with AAMI Travel Insurance’s policies. For personal items and jewellery, you must specify them before applying, and all items must be approved by AAMI; otherwise they will not be covered. Ensure you check the PDS to find out more about what items and luggage are and aren’t covered.

If you’re not sure what to do when your luggage goes missing, check out our guide on travel mishaps and how to avoid them.

Yes, AAMI Travel Insurance will cover up to a certain amount for lost deposits and cancellation fees for pre-paid travel arrangements due to unforeseen circumstances outside the traveller’s control on a policy:

  • Unlimited cover if your journey was cancelled or delayed, with additional travel and accommodation due to strikes, natural disasters, riots, or other severe weather conditions.
  • AAMI will pay up to $2,000 or 10% of the cancelled journey to cover travel agent cancellation fees.
  • A reimbursement for any tickets to special events that you were unable to attend due to unforeseen circumstances.

Read the Product Disclosure Statement for more information on the various exclusions that may apply.

You can purchase an AAMI Travel Insurance policy by first comparing your options with Canstar and then generating a quote online. All you need to list is your personal details (age, length of trip, address, etc.), your pre-existing conditions and your choice of cover.

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You can lodge a claim with AAMI Travel Insurance over the phone as they provide 24/7 emergency assistance, as well as reverse charges if you’re calling internationally.

  • For a local claim, call 13 22 44
  • For an international claim, call +612 8987 1474

After that, just:

  1. Follow the prompts and enter the details of your claim
  2. Submit your claim and wait for AAMI to do the rest

Check out our guide on how to make claiming for travel insurance easier.

Founded in 1969, AAMI is one of Australia’s oldest and largest insurance providers. Today, AAMI is the trusted insurer of around 1.9 million Australian drivers. Download the AAMI Safer Driver App to track your own driving record and see if you can earn 60 points and win free Roadside Assist with your AAMI comprehensive car insurance policy.

At its founding, AAMI pledged to provide a real person to answer every quote or claims phone call, and it still does today. Its customer service team is available 24/7 with no push-button menus or voice recordings. AAMI proudly advertises that it regularly receives customer satisfaction ratings of 90% for its call centre.

AAMI’s slogan, “Lucky you’re with AAMI”, was first introduced in 1985 – over 30 years ago! The original “AAMI Girl” was the Swedish model Carin Sinfors, who first appeared in its TV ads in 1979. These days, many people know AAMI by its TV ads for the safer driver discount, including “What about me? I never claim” and the Rhonda series.

Source: AAMIInsurance

AAMI is also a real corporate citizen, contributing to its community in a number of ways, both on and off the road. It runs a Skilled Drivers course that teaches safe driving techniques to drivers under 25, which has created 85,000 safer drivers since its creation in 1982. You can even watch some of its Skilled Drivers on YouTube.

It’s also been educating young drivers about the consequences of reckless driving since 2008, though the Prevent Alcohol and Risk Related Trauma in Youth (P.A.R.T.Y.) program.

AAMI has been a long-standing partner of the Victoria State Emergency Service (SES) since 2002, and has contributed over $4.5 million towards equipment and tools to support its brave rescue work.

Written by: Regina Collins | Last updated: