cant expect a fair outcome if you insure with AAMI
I insured via AAMI who have allianz as a parent insurer. In my claim I had claimed for a Smiths Vantage ski helmet which has a cost of $319.00 in the market. I was asked for a receipt however not having one I sent them a copy of my credit card statement where I pointed out that the transaction for 2nd Jan 2018 was for the helmet. I was not able to approach Mainpeak for a duplicate receipt as they had closed down. During my conversation with Lorraine, my case manager, I agreed that I would accept the lowest price they could find for a Smiths ...Helmet. However I was informed that as I did not have a receipt they would give me $100/- as a replacement cost. Does this mean that if you have a Samsonite or Delsey suitcase and it is damaged would they pay you the replacement cost for a bargain basement suitcase???? Avoid as the plague.
Not Surprised..Not lucky with AAMI
I am looking for travel insurance, checking out the reviews with AAMI as I have home Insurance with them. This may not go to the reviews..but I'm not going to Insure with AAMI. Their Home Insurance has gone on a steep downhill.I'm going to change Insurance Companies..looks like same with travel. Thank you for all the reviews...sooo appreciated
Unlucky your with Aami
Left items in my bag on the beach that were not waterproof - drone camera watch and they were stolen. Insurance paid but No insurance offered. Lost thousands of dollars worth of stuff. Apparantley items left "unattended" not covered. Seriously!!!!
Crap product, crap insurance! Dont waste your money your not insured!!!! Wont be purchasing ever again. CROOKS!
Unlucky if you're with AAMI
Have always purchased AAMI travel insurance, about 10 times over the past six years, and fortunate to have never needed to make a claim. Was caught up in the recent volcanic eruption in Bali and when I emailed to ask about cover for flight delays received a gleeful reply that 'as stated on their website Mt Agung volcanic eruptions are not covered as from September 2017'. Well it may be somewhere on their website but i can't find it.?.. You never know how good or bad a policy is until you need it. You live and learn and I've learned, like most...other reviewers here, that it's easy to give AAMI your cash but you've Buckleys of making a claim. I feel lucky that i found out how useless an AAMI policy is before something major happened. Will do a lot more research before buying my next travel insurance policy, and AAMI won't be on the list for consideration.
Don't even bother!
What is the point of getting travel insurance if they can't cover you for 1 Medial Consultation? Due to their excess policy of $200 (where you cannot reduce it), they do not cover any expenses under $200. Phoning up and lodging a complaint, I was advised that OTHER companies do not commonly have this excess fee. When I was overseas and confirming that everything would be covered, I was told that it would be.
Thankfully, nothing major happened because seeing all these other reviews, I'm thinking that even if something happened over $200 I wouldn't have been covered anyway.
Now I need to review my car insurance, I'm not sure AAMI is the best way to go.
Hard to give a star rating when they didn't do anything.
What is the point of having travel insurance when they can't cover 1 appointment? Absolutely ridiculous! Their policy documents do not clearly state that you need to spend over $200 to be covered. Instead they give you irrelevant words to cover their dodgy tracks. When asking the claims department whether other companies have this 'excess,' I was told that NO, there are other companies that do not have this 'excess' policy. I feel lucky that nothing major happened, according to all these negative reviews I wouldn't have been covered by anything, $200 under or over.
We missed our flights home from America due to weather. 'Thank goodness you have travel insurance', everyone said. It was an open and shut case, covered clearly in the insurance policy.
The first AAMI consultant was lovely, but lied to me about the documentation they required (deliberate or incompetent, not sure). They ignored all of my emails. The 'we process claims in 10 days' is a lie. They offered to pay a quarter of what they had to in an attempt to make me go away. This involved more lies about what they thought they should pay and I ...called them out on it by quoting their own policy back to them. The only way I could get them to respond to emails was to contact the social media team via Facebook. I sent 15 documents, made 4 phone calls (3 hours in total), and sent at least 10 emails and in the end it took 2 months and 2 days to get the money in the bank. Their baggage insurance is self defeating due to the $200 excess, that is on top of the $200 excess for the rest of the travel claim. If the initial consultant had mentioned the $200 baggage excess in the first conversation, it would have saved me a lot of time taking and uploading photos and finding proof of purchase and providing a baggage report. They are experts in procrastination and only acted when I told them I was going to the ombudsman. It would not have been worth the effort if it wasn't such a large amount I was chasing (business class airfares). I think they play a game of trying to drive people away with their carefully calculated delay tactics. They don't want to pay out big money, pure and simple. I have written apologies from them on at least 10 occasions apologising for their poor customer service, yet they continued to provide nothing but. Is it a lie to apologise for something they have no intention of improving?
Never ever again. Don't use AAMI INSURANCE. They don't care.
We recently had to cancel our 28 day cruise to the Mediterranean. My father in law had been placed in Paliative Care and would not live passed the 2 weeks prior to our cruise. I got in touch with AAMI and advised then that he was dying and we couldn't go on our trip of a lifetime. They told me to go on the cruise and if he got worse and we needed to come home they would fly us home. NOT an option at all. Who would leave a dying member of the family. I submitted my claim, waited 10 business days and called them only to be told my claim has been ...declined. He wasn't going on the holiday, his health was private and we never thought that he would die before we went away. He died of prostate cancer which we had only found out that he had it. $15k lost. I am going to fight them and if no luck I will contact A Current Affair or maybe turn up at their office and demand an answer. Everyone has a pre existing condition. We are all going to die. Come on AAMI show compassion.
Worst decision ever
After taking the time to call and speak to someone to make sure my health issues would be covered. I sent a thank you email asking for written clarification. Turns out they (despite being reassured on the phone that they would) do NOT cover already known allergy and other medical problems that may arise overseas. Lucky I checked for written confirmation first or I would've gone overseas with essentially NO coverage. Only good thing was they cancelled it within minutes of my call to cancel it. Very disappointed in the lies I was told over the phone.
Problem after problem
Numerous other complaints but here's my top three from my experience (from the one claim)
-Called the EMERGENCY assist number to have this responce "its a friday night, no body will be able to help you
-Hour long Daily calls for 2 weeks sped up the process of having my claim settled- why should a companies ignorance lead to this, when i was clearly entitled to have my claim approved. seriously pay $40more to go with another company, its worth it
-They ended up paying my claim into another persons account TWICE
If they cant even read numbers off a piece of paper you have no hope if really need assistance
My travel insurance was a waste of money
On the 2nd Day Of my Bali holiday I broke my foot at the resort I was staying at. I called AAMI insurance emergency phone number and I waited for 40 mins and then It clicked off. I was In quite alot of pain so I took some pain killers and went to sleep. The next morning I called them again this time I waited 32 mins and when I spoke to the lady she was very unhelpful and told me not to go to the hospital until she has issued me a claim number. At this point I didn't know If I had broken my foot or not, and it was all seeming a bit too hard. She...didn't get back to me with the claim number that day, so the next day which is day 3 of my Injury, the pain in my foot was much worse so I phoned again, this time spoke to a lovely lady who told me that I should go to the hospital immediately and that I had been misinformed. I had xrays which confirmed a broken foot. The hospital said I would need a moon boot which would take a few days to get here and I was going home in 2 days. They said to keep elevated and to organise with the airline so I could travel with my foot elevated on my flight home. I phoned AMMI again to see If I was covered for an upgrade and again couldn't get through to them, it would click off after 20-30 mins. By the day of my flight home I had a message to say someone has called me back, but again when I called I was waiting for so long I hung up very frustrated. When I got to the airport I was informed it would cost me $590 to upgrade to business or I could have a seat with extra room. After the terrible terrible service of AMMI I chose not to pay to upgrade as it was only a 3 hour flight. Lucky as when I got through to them in Perth, very quickly I might add, they informed me that I potentially wasn't Insured to get upgraded to business class and it would have to go through an assessment to see if I was which would take a few days. I will never never never use AMMI for any type of insurance. I have since been told of so so many horror stories about insurance claims with AMMI. Their insurance is not worth the paper it is written on. Please never give them your money
If I could give them Zero I would
The travel insurance policy hardly covers you for anything at all - definitely not for cancelled flights causing missed connections etc - be very wary! Will only cover you for natural disasters/civil unrest, not for the airlines cancelling your flights.
Useless customer service!
I had to cancel my travel insurance policy with AAMI after realising it did not cover me for certain things I did not see in the fine print. I was within the grace period so this was fine. I made a phone call to Aami and was advised that, although I paid with credit card, the refund would be made by cheque. I would need to wait up to 10 days for the cancellation to be processed, then another 10 days for the cheque to arrive.
I let 4 weeks go by and no cheque. I emailed AAMI and was advised that the policy had not been cancelled properly, but...that it would be done now. I replied that I hoped it would be done immediately as I was already inconvenienced in having to wait so long for the cheque that didn't arrive, now I would have to wait another 10 days. The consultant emailed back saying I could get a refund to my credit card if I prefer, I would just need to call them. So I that day and spoke to another consultant who said she would cancel the cheque and process my refund to credit card. I waited 2 days and no refund, so emailed back the consultant who originally emailed me asking if my credit card refund had been processed. A different consultant again emailed back, saying yes it had been done. Another day passed and no refund, so I emailed back asking to make sure it had been done. A different consultant, again, emailed to say no sorry the cheque was posted there is no record of a credit card refund being requested. So again, I got on the phone and was told they couldn't locate that consultant for me to speak to. So I had to tell the entire story to the different one on the phone. She eventually told me that credit card refunds could not be made. So I said, have the two other people I spoke to saying it could been lying to me?? I will see now if the cheque is actually coming and has not been cancelled. 5 different people I have spoken to, never the same person and so much of my time wasted all over getting a refund. No idea what they would be like making a claim but if this experience was anything to go by, I will never use AAMI insurance in the future. Ridiculous experience.
Do Not Book With AAMI - Massive Fail!
We booked our travel insurance through AAMI and unfortunately half way through our European trip my fiance's father passed away whilst we were overseas. Naturally we jumped on the next available flight home to be back with family during this tough time. We made a claim with AAMI, which has been denied 3 times through what they call their so called 'internal dispute centre' all because he had a pre-existing medical condition which we were not aware of. We now have to dispute with the Ombudsman.
Not only are we having to deal with the death of...my father-in-law, AAMI have made this an even more awful time for us. Dispute staff are nothing but rude to you. See, where they try to get you is in their PDS which doesn't make sense if you don't work in the travel insurance industry. They are not up front with their fine print. Other travel insurances ask if any family member have a pre-existing medical condition before you may proceed, it makes you stop and think. They only ask if you or those travelling with you have a pre-existing medical condition, NOT FAMILY. Before booking travel insurance with AAMI, check if anyone in your family has a pre-existing medical condition and ask if they think they might pass away whilst you're travelling. That's pretty much what AAMI expect you to do. Not worth it!!!
My father died while i was travelling. I came home - AAMI won't cover any costs
I was notified of my late father's death whilst travelling throughout Germany in September 2015 and organised emergency flights home, leaving behind a booked cruise trip, hotel room in Rome, and our pre purchased return flights home.
The death of my late Father was sudden and completely unforseen. He was not under care at all, was in good health, playing live music with this band on that same day as his death and in a well condition. A sudden heart attack in the night took my father away.
At the time when the contract of travel insurance...was entered into between myself and AAMI insurance, and up until my fathers sudden death in September 2015, I was not aware of and ANY reasonable person in my circumstances could not have been aware of the sickness which lead to his death (heart attack, my dad didn't disclose anything to anyone about his health and was very private). AAMI have denied my claim, which is in excess of $9,000, due to Dad dying of a pre existing medical condition. You don't think this can happen to you - even if your mum or dad dies when you are travelling, you are better off staying there because these crooks won't cover you for anything. Disgusting. Don't trust AAMI with anything guys....they won't pay you a cent..
|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
ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.