Pray that a relative does die while you're away
I was forced to return home after my father fell ill and subsequently past away. the claim was rejected because of a spurious 'pre existing illness' ploy put on by AAMI. I will never use them again.
Not Lucky with AAMI
I now know why there travel insurance seemed cheap because it isn't worth anything. Called to advise my travel to Bali was disrupted due to the volcano eruption on a island 150km away and before I new it I was transferred to their claims department to be told that my pre purchased travel insurance would not likely cover any aspect of my trip including if any member of my young family was got sick or injured. Totally disgusted with they way I was being treated I requested to speak with management which never happen. Aami then referred my comp...laint to their own dispute department and sent me an email some 3 weeks later that my insurance was void and that was final. I have been a customer of Aami for 16 years and always thought they were a reputable organisation. I have since cancelled car and home insurance policies and taken my business else where. If you are reading these I would avoid Aami no matter how good the deals seems.
Never buy insurance from dishonest companies
I bought a comprehensive policy for my trip to Europe. Due to technical issues and delayed flight from Amsterdam to Abu Dhabi We missed our flight from Abu Dhabi to Sydney. The airline booked us the next flight which was in 24hrs. I contacted the insurance and one of the adviser told me to book a hotel for the 24hrs that you are there and when you come back you can claim. When I came back the insurance company refused to pay any compensation. Also I lost one of my baggage which they didn't do anything for that as well. very disappointed with them. Never going to get anything from them and let all my friends know too.
Best claims process
I travelled overseas early this year, while I was on stop over I was robbed. My personal belongings were stolen the claims process was absolutely amazing! No hassles no fake customer service, very quick to pay claim amazing def go with AAMI they also replaced old for new which was even better :)
Worked as expected
frequent user of AAMI Tavel insurance but no previous claims.....my daughter had a horrendous experience with World Nomads so would advise anyone making a claim with any travel insurer to record details of every conversation, names, times, what was said.....was not expecting great things but did have a small claim for lost reading glasses with AAMI and the process worked as it should and I got a cheque within 2 weeks.
So easy to claim!
We were visiting Malaysia and Thailand and everything was fine until on the last day my Husband got extremely sick with gastro. We called the dr to the hotel who have my Husband a bunch of medicine and said he was unfit to fly. We called AAMI and they put our call onto a dr who described the medication the Thailand Dr had given him. They were really helpful over the numerous phone calls and after coming home I faxed off the documents and receipts straight away. Over two or three weeks AAMI kept in contact with us and refunded the $4000+ that it cost us to stay one extra day in Thailand and flights home. Wonderful experience. Have used them many times since and will continue :)
Excellent customer service and seamless claiming process
AAMI insurance Never again
So I paid $250 to get a full cover travel insurance for my trip overseas. Whilst being over there my phone and wallet had gotten stolen on the beach, this was completely out of my control. I did all the correct steps for me to claim back my stolen goods. I waited for 3 hours at the police station to write a report, I sent through all the right documents to claim my cover. 6 months later they call me and say it was denied "claiming" I wasn't being cautious among my surroundings and cause I didn't physically see the person steal my goods I can't claim it. Never again will I go through aami as they were very sarcastic to me over the phone and not understanding at all.
Paid $250 for nothing
The worst ever !!!
while travelling last year in the US i lost a backpack which contained my camera. I was already 8 weeks into my trip so was quite devestated about the camera & all my photos so far. AAMI refused to pay my claim as i lost my backpack in a public place (i was visiting a national park, quite a common thing to do on holidays). I spent months trying to get my claim settled but no go. The customer service was non existent, quite the opposite to when i was looking for insurance as they were so very helpful then. I was a 5 year customer with my home, c...ontents & car insurance all with them who had never made a claim. AAMI the excusses you gave me, the B/S you made me go through was horrible ! I have since taken all of my insurance business elsewhere & would never use or reccomend AAMI to anyone ever ! Horrible service.
Serious concern over AAMI
Two articles in recent press (Dec 2012). One with a 26 week pregnant woman, got a doctor's certificate to travel, went into premature labour while in Canada, hospital bill was $700,000. AAMI didn’t pay, quoting their fine print about pregnancy not being covered. Ok tough one. I searched AAMI online and the exclusion is there but as an experienced and computer-literate traveller, I would have missed it. Not surprised this couple did. The AAMI story was that pregnancy is not covered to keep premiums low, but I reckon that they should be a lot mor...e upfront about it and put that exclusion on the main part of the website. Something like “we have low premiums by excluding many common conditions like pregnant women”. Second was much worse. Two young guys went overseas for a gap year – well, 6 months to UK. Got AAMI travel insurance. One came back after 4 months, and the other want to stay longer. Mother of the other rang AAMI and asked if she could extend the insurance to 8 months. AAMI said no, 6 months is our limit which is fair enough and clear on the website. Then they said that overseas son was no longer covered because his companion had gone home. What? The premium has been paid – 2 people for 6 months. One goes home and so logically the risk reduces for the remaining traveller. In fact the remaining unused premium is now a bit excessive. Far from cancelling the insurance, logic says that AAMI should refund part of the premium and maintain the cover for the remaining person overseas (I am not expecting that of course – gracious is not a term that one usually associates with insurance companies). But – cancelling the insurance of both people ! I searched the AAMI website and found nothing at all in the finest of fine print that warned about this. Disgusting. A case for the insurance ombudsman I reckon. And I conclude the following – if AAMI can avoid paying by dragging up clauses which are not disclosed or logical, they will. Trust AAMI? Don't think so.
Avoid! Excuse given by senior mgr is "We have to look after our shrholdrs, we can't pay evry claim"
Fair enough, the 200 dollar excess is clearly stated.
We had a medical doctor visit for 100 dollars and a phone that was lost/or stolen on the plane.
Called the health number from the states, and they were incompetent, did not understand the US health system. Which is pay first. And a visit to emergency is around 2 to 3 grand. They insisted we go to emergency. Which was unnecessary, it was non-life-threatening. Then the nurse asked us why we didn't want to pay up front? Didn't we have that kind of money? Why don't we?
Well, the answer was:...
Do not use AAMI Travel Insurance!
I have had good experiences with Aami for car insurance in the past and assumed they'd be trustworthy. My phonecall from America to explain the accident we'd been in went very well, but on our return back to Australia things started to go downhill. Every time I called I had to repeat the story as they didn't seem to have any record of it.
They'd say they'd been trying to call me, yet I'd have no missed calls or messages. They even said they'd called my work number and left messages, but nothing was received there either. Replies took foreve...r and it never seemed to get anywhere. Eventually after 2 months of trying to get it sorted they said they wouldn't cover any of it. That's fine! I understand that they can't pay out every claim, but the way they treated me was not acceptable! It was one of the cheaper companies
We chose this insurance product as we thought AAMI were a reputable organisation - we were wrong.
We were in the unfortunate situation to have a family member pass away whilst we were on holidays. When I initially placed the came, my experience was positive with a friendly and helpful representative. Once I was assigned my handler, the experience became abhorrent. I supplied information as requested. My follow up phone calls to check on the status of the claim were not returned and I could not receive a straight answer when I did speak to othe...
An Insurance company is only as good as its claims history
AAMI travel insurance will issue a new policy rather then change the existing policy for minor things like date changes or any other minor change. By doing this they can void insurance because of the minor change as if the old policy didn't exist. Our case insurance taken out in March with a change of date to the policy in June meant an injury incurred during this time became a pre existing condition thus avoiding coverage for the condition that other wise would have been covered. An insurance company is only as good as it's claims record and AAMI failed ours.
We did to speak to people for several hours mostly on hold but eventually went round in circles
Frustration that a change of date can change a policy completely
Poor service, unsatisfied customer
I had two claims - one for my illness and the other for stolen baggage. I submitted the claim and never heard from them again. I then received a cheque for the medical expense but was paid short. I had to follow up again and again on the baggage claim only to be given incorrect information as how I could be reimbursed. I paid $200 premium and have now been stiffed $200 in excesses.
Easy to get online cover. They are quick to take your money.
Poor customer management, no follow up at all. Incorrect information. It was almost not worth me even making the claim. Very dissatisfied with the experience and will never consider them for ANY insurance EVER!
Still waiting for my claim reimbursement!
After 3 months and hiddeous amounts of paperwork - still waiting for my money back for a Sinus Infection! Look out if staff go away on holidays - it appears it will be left until they return. Then, they want more paperwork! Ridiculous & time-wasting.
Too long for re-imbursement
|Other Insurance Types Offered||Business, Car, Life and Pet|
|Maximum Age Covered||65 years old|
|Overseas Emergency Assistance||Unlimited|
|Pregnancy (max weeks)||Not Included|
|Resumption of Journey||$2,000|
|Hospital Cash Allowance||$100 per day, up to $6,000|
|Overseas Emergency Medical & Hospital Expenses||Unlimited|
|Loss of Income||Not Included|
|Luggage & Personal Effects|
|Theft of Cash||Not Included|
|Delayed Luggage||$450 after 12 hours|
|Credit Card Fraud||Not Included|
|Travel Documents / Passport||$500|
|Maximum Single Item Limit||$3,000 (Electronic Equipments)|
|Luggage & Personal Effects||$6,000|
|Rental Vehicle Excess||$2,000|
|Motorbike / Moped Coverage||Included up to 200cc|
|Domestic Pet Care||Not Included|
|Special Activities Packages|
|Snow / Ski||Not Included|
Other Travel Insurance
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