Travel Insurance Covid-19 FAQs

All countries that do not appear on the Level 4 warning “Do not travel” advisory listed on SafeTravel.

SafeTravel houses all warnings inclusive of non-Covid-19 advisories which are issued by the Ministry of Foreign Affairs and Trade (MFAT).

Cover is in place, providing that the country you are travelling to does not have a MFAT, SafeTravel or New Zealand Government Level 4 warning “Do not travel” in place.

Cover is in place, providing that the countries you are travelling to do not have a MFAT, SafeTravel or New Zealand Government Level 4 warning “Do not travel” in place.

Cover is in place; however, this is dependent on the countries you plan on travelling to. If there is a MFAT, SafeTravel or New Zealand Government Level 4 warning “Do not travel” in place, then selected cover^ for epidemic and pandemic diseases cover is excluded and is not covered under our policies.

Cover is in place as there is no requirement to be vaccinated/boosted under our policy. However, if the destination country requires an inbound traveller to be vaccinated, then the traveller must be able to meet these entry requirements. This also applies to the condition of carriage for example of the airline they are travelling. There is no cover if denied boarding or entry to a country due to not meeting the carrier or country vaccination requirements.

Many countries, even before the pandemic, had compulsory health and travel insurance requirements, but many more have since added rules – typically around Covid-19 medical expenses and the associated costs. The coverage type and amount varies by vaccination status and country.  Prior to travelling, check with the nearest embassy, consulate or immigration department of the destination.

AA Travel Insurance policies provide cover for cancellation and medical expenses if you contract an epidemic or pandemic disease such as Covid-19 after purchasing your policy. If you contract an epidemic or pandemic disease after purchasing your policy and can no longer travel, you will be able to make a claim for the cost of flights and hotel accommodation. The policies also provide cover for medical claims directly related to an epidemic or pandemic disease which will apply after you commence your journey if you contract that disease.

AA Travel Insurance policies provide cover for your trip cancellation only if:

• you or your Travelling Companion are diagnosed with an Epidemic or Pandemic disease and cannot commence or complete your travel; or

• you or your Travelling Companion are specifically ordered by name into mandatory quarantine or isolation by the New Zealand Government or any government or local authority, based on their suspicion that either you or your Travelling Companion have been exposed to an Epidemic or Pandemic disease.

It does not cover general travel disruption, including government mandated lockdowns, as a result of Covid-19. There is no cover for claims arising from any lockdowns or mandatory isolation that applies generally or broadly to some or all of a population, vessel or geographical area or that applies based on where you or your Travelling Companion are travelling to, from, or through.

There is no cover for epidemic and pandemic diseases for your Travelling Companion under your policy unless the Travelling Companion is named on your Certificate of Insurance.

The policy provides you with cover if:

• your Travelling Companion contracts Covid-19 and you can no longer travel; or
• the Travelling Companion is specifically ordered by name into quarantine on the suspicion of having Covid-19.

Travelling Companion is defined in the Policy Wording as follows: 

Means a person with whom You have made arrangements before Your policy was issued, to travel with You for at least 75% of Your Journey.

There is no cover for Covid-19 tests taken as a precaution or as part of a procedure to arrange flights and visas.

The selected cover for epidemic and pandemic diseases is not available as an add-on.

No, the policies have a General Exclusion for government intervention and do not provide cover in the event that the government calls for border closures.

At the time of purchasing your policy if you have previously had Covid-19 and are now testing negative, are feeling well with no symptoms at all, then you do not need to declare this as a Pre-existing Medical Condition. A Covid-19 positive test result at a later date would be considered a new infection.

However, if you are:

• still testing positive; or
• still displaying Covid-19 signs and symptoms; or
• have been diagnosed with 'long Covid';

and you wish to have cover, you need to disclose the condition as a Pre-existing Medical Condition and an additional premium may be payable.

AA Travel Insurance policies provide cover for the cancellation of a trip, if you or your Travelling Companion are quarantined or ordered into mandatory isolation by the New Zealand Government based on their suspicion that you or your Travelling Companion have been exposed to an epidemic or pandemic disease. However, there is no cover for claims arising from any lockdowns or mandatory isolation that applies generally or broadly to some or all of a population, vessel or geographical area or that applies based on where you or your Travelling Companion is travelling to, from, or through.

Read the Policy Wording and check whether there are benefits related to Epidemics and Pandemics and refer to the following sections in particular: 

AA International Leisure Cover Policy Wording:

• Section 1k: Epidemics and Pandemics

AA Business Cover Policy Wording:

• Section 1j: Epidemics and Pandemics

AA Domestic Cover Policy Wording:

• Section 1.5: Epidemics and Pandemics