AAMI Travel Insurance
Traveling is an important part of everyone’s life. Each person has to travel one or more times in their lives for different purposes. People travel for business needs or mostly for holidays. So, if you travel frequently and looking for a travel insurance company then AAMI Travel Insurance is a good option.
You can read about AAMI insurance features, travel policies, and other details. This article will guide you regarding the selection of a travel insurance agency. Keep on reading!
What is AAMI?
It is one of the oldest Australian Insurance companies. It is working since 1969. AAMI is able to gain much respect and trust from its customers over the last 48 years. It not only offers car insurance but you can also get home, business, life, and landlord insurance.
The following information is to be true at the time of article writing. It may be very in the future if AAMI changes its company policies or rate.
Benefits of AAMI Travel Insurance
It provides various types of coverage and benefits.
- Medical expenses include dental covers, injuries, illnesses, or accidents.
- Baggage, travel documents, or personal effects are also added. If any of the mentioned stuff gets lost, stolen, or damaged then the company will cover the cost to you in a reasonable manner.
- Legally liable accidents are also covered in this insurance. Sometimes you may find yourself in trouble by owing to any oversea so this type of mishaps is also looked after by the company.
- Cancellation, interruption, and delayed charges are also covered by AAMI insurance.
- Flexible single or group coverage so that you can save a lot of money as you are dealing with insurance. Additionally, you are not dealing with any third party so your commission cost will also reduce to zero.
- You will also get new luggage if your old language needs to be replaced. So AAMI will provide you with new luggage items but it’s in limited supply.
AAMI Plans
AAMI travel insurance offers 2 basic plans. One is for a single person and the other is for a group. These plans are for international traveling. They do not cover local traveling insurance.
AAMI Single Plan
Events
The insurance is valid for the following events.
- Personal Liability covers up to 5,00,000$
- Rental vehicle excesses up to 4,000$
- Travel documents cover up to 100$
- Permanent disability will cover up for 25,000$
- Accidental death up to 50,000$
- Resumption of your journey up to 4,000$
- Unlimited emergency campaigns
- Unlimited travel accommodations
- Personal and luggage effects cover up to 12,000$
- Unlimited cancellation fee
- The maximum excess is 200$
- Unlimited oversea medical assistance
- Unlimited oversea hospital expense
Pre-Existing Conditions
- High blood pressure
- High cholesterol
- Epilepsy
- Diabetes
- Cancer
- Asthma
Covered Activities
- Ocean cruise
- Snow ports
- Trekking
- Surfing
- Scuba diving
- Mountain biking
- Conservation work
- Bungee jumping
AAMI Group Plan
Events
- Personal Liability covers up to 5,00,000$
- Rental vehicle excesses up to 2,000$
- Travel documents cover up to 500$
- Permanent disability will cover up for 10,000$
- Accidental death up to 25,000$
- Resumption of your journey up to 2,000$
- Unlimited emergency campaigns
- Unlimited travel accommodations
- Personal and luggage effects cover up to 6,000$
- Unlimited cancellation fee
- The maximum excess is 200$
- Unlimited oversea medical assistance
- Unlimited oversea hospital expense
Pre-Existing Condition
- High blood pressure
- High cholesterol
- Epilepsy
- Diabetes
- Cancer
- Asthma
·Covered Activities
- Ocean cruise
- Snow ports
- Trekking
- Surfing
-
Scuba diving
- Mountain biking
- Conservation work
- Bungee jumping
How to Claim AAMI Travel Insurance
You can get their emergency assistance by daily their 24/7 emergency number.
You can also claim online on their website.
They also have a separate phone line for general queries so if you have any confusion or want more detail then you can call their support team.
How to Make a Strong AAMI Insurance Claim
Well, you can make the process of claiming your insurance pretty smooth by providing the right information. The following documents are required:
- Medical certificates, and reports from your local doctor or specialist.
- Transportation reports.
- Police report.
- Airline, bus, train tickets, invoices, and receipts.
- Any communication document regarding the claim of your insurance.
- Damage report and accident circumstances.
- Lost, damaged value items and their ownership details.
- Liability or loss incurred.
If you fail to provide this information then your chances of getting a claim reduce drastically.
Final Words – AAMI Travel Insurance
AAMI is an Australian 48 years old trusted insurance company. You can get yourself travel insurance if you travel on a frequent basis. It covers a lot of expenses along with amazing benefits. AAMI has a single and group plan. The insurance claim process is also very easy. It has a lot of satisfied customers all over the country. You can definitely consider AAMI Travel Insurance before going next time on an international trip.
Frequently Asked Questions
Following are some of the most commonly asked questions about AAMI insurance.
Who can apply for AAMI travel insurance?
Any permanent Australian resident aged between 18-64 can apply for themselves and their under 18 children.
How long is AAMI travel insurance covered?
The cover period starts from the very day you leave Australia and ends according to the policy date. The AAMI travel insurance provides 180 days coverage plan.
Does AAMI provide cover for pregnant women?
No, AAMI does not cover any accidents related to pregnancy and childbirth.
Can AAMI extend my existing cover?
Yes, you can extend your existing cover up to 180 days. It is possible if your cover is not already expired.
What sports activities are not covered by AAMI travel insurance?
Following support activities are not allowed:
- Competitive ice and snow sports
- Diving using oxygen apparatus
- Abseiling
- Rock or mountain climbing
- Sailing
- Running with bulls
- Rodeo riding
- Flying
- Football
- Any kind of race
- Hunting
Does AAMI insurance company cover one-way oversea trip?
No, it does not cover one-way trips. As per company policy, you must end your trip to Australia to get travel insurance.
Will AAMI cover for stopovers?
Yes, for each stopover you got 72 cover hours outside of your travel destination. If you want to spend more than 72 hours at a stopover then you must add it to your destination point to claim the insurance.