Apia Insurance Review

When it comes to well reputed and reliable insurers, Apia Travel Insurance ranks among the best.


Prominent features
What most seniors need from their travel insurance is a lifeline they can depend on when things don’t quite go to plan in a foreign and unfamiliar country, and Apia certainly provides that. Here are the main features of the travel cover policy they provide for seniors:

  • Cover for both singles and families – this feature is a given in any good travel insurer’s offering. Apia insurance lets you insure your trip whether you are a single, over 50, senior or you have family or friends with you. Note that during the interview, when applying for family insurance, you will have to answer questions about yourself, as well as your family members who are going to receive benefits from the cover.
  • 24/7 emergency travel assistance worldwide – this is a distinguishing feature of Apia’s policy and basically means that no matter where you are, no matter what kind of trouble you are in and no matter what time it is, you can depend on the fact that there will be someone to call for immediate assistance. Another benefit of this feature is that it has a reverse charge call back ability in case things have really taken a bad turn.

These are the contingencies for which this feature covers:

  • Emergency medical assistance
  • Emergency travel assistance
  • Repatriation due to medical condition
  • Hospital bill payment guarantee
  • Arranging admission to hospital and monitor of your care
  • Emergency assistance with delayed or lost baggage
  • Domestic (within Australia) / international covers – Apia has you covered whether your trip is going to be within Australia or out of the country, to an international destination.

These are the destinations (country / region you are visiting on your trip) covered by Apia insurance:
South Pacific and Indonesia which means Nauru, Solomon Islands, Samoa, Cook Islands, Vanautu, New Caledonia, Lord Howe Island, Papua New Guinea, Norfolk Island, Indonesia (inclusive of Bali), Fiji and New Zealand.
East Asia which means Guam, Brunei, Burma, Korea, Laos, Taiwan, Singapore, Macau, Hong Kong, China, Cambodia, Vietnam, Malaysia, Philippines and Thailand.
Worldwide which means every other country exclusive of the regions mentioned above and US, Japan or Canada.
Note that stopovers of a maximum of 72 hours, outside the region you have insurance for are allowed under the policy.

  • Cover for legal liability of up to $2 million – In case you run into a legal dispute in a foreign country, Apia will give you (or your travel companions covered by the policy) appropriate legal representation/defense – meaning that you will be completely safe in the event of even a serious legal crisis. This is a particularly helpful option for seniors who might have trouble finding an attorney on their own in a foreign country.

Summary of cover:
This is what you sign up for receiving in terms of cover, when you apply for insurance at Apia.

1. Cancellation chargesUnlimitedUnlimited
2. Baggage$5,000$10,000
3. Emergency baggage$350$700
4. Travel documents$3,000$6,000
5. Cash, personal travelers cheques and credit cards$500$500
6. Overseas medical expensesUnlimitedUnlimited
7. Personal liability$2,000,000$2,000,000
8. Accidental death$10,000$20,000
9. Emergency expenses$5,000$10,000
10. Resumption of journey$3,000$6,000
11. Missed connection$3,000$6,000

In their own words, they are committed to nurturing a long term relationship with their customers by listening to them carefully, being honest and accurate in describing their services and products, communicating clearly and professionally, and resolving any concerns/complaints that a client may have. How can you argue with that?