AA Members can get a 10% discount on new AA Travel Insurance policies. Simply provide your AA Membership number when you apply.
Great Kiwi adventures deserve insuring too. Whether you’re hitting the road with a caravan in tow or attending that family reunion, don’t forget to look at your cover options.
We’ve kept things simple, with two plans to choose from. The AA Domestic Travel Insurance Comprehensive plan provides our highest level of protection against unexpected expenses like rental vehicle excess, flight cancellation fees and stolen or damaged baggage that could otherwise leave you out of pocket. There’s also an option to select a no excess plan, and to apply for pre-existing medical conditions cover. Plus, there’s cover for epidemics and pandemics (like COVID-19) in some cases^.
There is also a lower premium Cancellation Only plan that covers a situation where you’re forced to reschedule or cancel your trip before you go.
No matter which plan you choose, you’ll find the application process is quick and simple, so you can get back to much more exciting things – like booking that winery lunch, or bikes for a cycle trip.
Plan options
The Comprehensive plan provides the highest limits and extended benefits, giving you the most protection for your Kiwi travels
The Cancellation Only plan provides cover where you're forced to reschedule or cancel your trip before you go.
Compare plans
Please note that the Domestic Comprehensive plan can only be issued for a maximum of 60 consecutive days of coverage.
| Table of benefits | Comprehensive | Cancellation Only |
|---|---|---|
| Cancellation & Travel Disruption Benefits | ||
| Cancellation of journey^ | $15,000 | $600 |
| Additional expenses^ | $15,000 | Nil |
| Alternative transport expenses | $5,000 | Nil |
| Travel delay expenses^ | $2,000 | Nil |
| Epidemics and pandemics^ | $15,000 | $600 |
| Medical Benefits | ||
| Medical expenses^ | $2,500 | Nil |
| Emergency dental expenses | $1,000 | Nil |
| Funeral expenses | $5,000 | Nil |
| Life Benefits | ||
| Accidental death or permanent disablement | $15,000 | Nil |
| Personal Baggage Benefits | ||
| Personal baggage^ (Limit for each individual item or set of items) | $6,000 ($1,000) | Nil |
| Emergency baggage^ | $450 | Nil |
| Rental Vehicle Excess | ||
| Rental vehicle excess | $6,000 | Nil |
| Personal Liability | ||
| Personal liability | $250,000 | Nil |
^Sub-limits apply.
This table is a summary only. For all of these benefits, please make sure you read the Policy Wording to understand the terms, conditions, limits and exclusions that apply.
Comprehensive Plan Benefits
- AA Member discount*
- Cover for missed connections or travel delay
If you miss connections or have any travel delays because of an unexpected situation, you’ll be able to claim up to the benefit limit of your chosen policy. That means cover for extra costs to make alternative travel arrangements or additional delay costs.
- Cover for pre-existing medical conditions
You can apply to get cover for your pre-existing medical conditions and if we agree to cover your pre-existing medical conditions an additional premium may apply.
- 24/7 Emergency Assistance
With AA Travel Insurance, you’ll have access to the Allianz 24/7 Emergency Assistance Team. A single call will put you in touch with a specialist who will be able to help you.
- Cover for some COVID-related situations^
All plans include selected cover for epidemic and pandemic diseases, like COVID-19 in some situations:
- If you're diagnosed with the disease and you can't go on your trip or have to go home early
- If you’re quarantined or put into self-isolation by the NZ Government if you’ve been exposed to the disease
- If you’re denied boarding on any scheduled public transport service based on the suspicion that you have the disease. This includes costs for additional accommodation and meals.
- Cover before you depart
Your trip is protected from unforeseen cancellation and loss of deposits the moment your cover is confirmed.
For all of these benefits, please make sure you read the Policy Wording to understand the benefit limits, terms or exclusions that may apply.
^The policy still has a general exclusion for epidemics and pandemics, and it does not cover disinclination to travel due to fear or change of mind. Cover is only provided if you have not commenced your journey against the New Zealand Government’s advice not to travel. There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. The cover applies where the amount isn’t covered by the public health system, ACC, and personal health insurance. Please refer to the Policy Wording for full details.
Have a question?
Our friendly New Zealand-based team are here to help. Give them a call anytime from 8am to 6pm Monday to Friday. Or pop into one of our AA Centres to speak to a consultant.
Call: 0800 630 115
Our insurance partner
AA Travel Insurance policies are issued and managed by AWP Services New Zealand Limited trading as Allianz Partners (NZBN 9429035270157), underwritten by Mitsui Sumitomo Insurance Company, Limited (NZBN 9429039809810, FSP Number 20661) (Incorporated in Japan) and distributed by The New Zealand Automobile Association (Incorporated).
Before purchasing, you should read the Policy Wording to ensure that the policy meets your needs. Terms, conditions, limits, sub-limits and exclusions apply.
Financial Strength Rating
Mitsui Sumitomo Insurance Company, Limited (NZBN 9429039809810, FSP Number 20661) (Incorporated in Japan), has a financial strength rating of A+ (Stable) given by S&P Global Ratings. View the full details on the Financial Strength Rating.
Financial Advice
The New Zealand Automobile Association provides general information about AA Travel Insurance products and services so that you can make a choice that best meets your needs. Information provided does not take into account your personal circumstances, needs or goals and is not intended to be financial advice. If you'd like to receive financial advice, you can get professional advice from a registered financial adviser.
10% AA Member discount available for new policies.
Terms and conditions apply.*
More Information
*AA Members can receive a 10% discount on AA Travel Insurance. Simply provide each traveller’s valid AA Membership number on application. Discount applies to the premium for each AA Member on standard policy and any additional pre-existing medical cover, but does not apply to additional cover for high value items.