International Travel Insurance
Cover for your overseas adventures
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Whether you picture your next travel adventure - home or abroad - travel a little freer with AA Travel Insurance, one of NZ's trusted travel insurance brands.
Don't forget, you can currently get an online exclusive 15% discount on AA Travel Insurance with your AA Membership. Valid until 30 November 2024. T&Cs apply.**
Even when you’re in the early planning stages of your trip, it’s important to consider taking out travel insurance. That’s because AA Travel Insurance policies can cover for cancellation and loss of deposits before you even go. So if something happens in the lead-up to your trip, we can be there to help you. With International Travel Insurance, you’ll be supported 24/7 no matter where you are in the world, with help just a phone call away.
Our three plans - Essentials, Comprehensive, and Frequent Traveller, have been designed with flexibility in mind, and provide different benefits and limits. Click here for an instant online quote.
Cover for some COVID-related situations^
All plans include some cover for epidemic and pandemic diseases, like COVID-19, in some situations:
- If you're diagnosed with the disease after you purchase your policy and 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 because you’re suspected of having been exposed to the disease and can’t go or continue on your trip
- If you’re denied boarding on any scheduled public transport service based on the suspicion that you have the disease.
^The policy still has a general exclusion for epidemics and pandemics and 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.
Terms, conditions, limits, sub-limits and exclusions apply and these are set out in the Policy Wording. Please refer to the Policy Wording for full details.
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|
Table of benefits |
Comprehensive Plan |
Essentials Plan |
Frequent Flyer Plan (per trip) |
|---|---|---|---|
|
Cancellation & Travel Disruption Benefits |
|||
|
Loss of deposits^ |
Unlimited |
$5,000 |
Unlimited |
|
Cancellation of journey paid in full |
Unlimited |
$5,000 |
Unlimited |
|
Curtailment |
Unlimited |
$5,000 |
Unlimited |
|
Missed connection |
$15,000 |
$500 |
$15,000 |
|
Travel delay |
$15,000 |
$500 |
$15,000 |
|
Frequent flyer points |
$5,000 |
Nil |
$5,000 |
|
Resumption of Travel |
$10,000 |
Nil |
$10,000 |
|
Strikes and hijacks |
$10,000 |
Nil |
$10,000 |
|
Evacuation - civil unrest Pacific Islands |
$1,500 |
Nil |
$1,500 |
|
Additional expenses as a result of an act of terrorism |
$3,000 |
Nil |
$3,000 |
|
Epidemics and pandemics^ |
Unlimited |
$5,000 |
Unlimited |
|
Medical Benefits |
|||
|
Overseas medical expenses^ |
Unlimited |
$250,000 |
Unlimited |
|
Terrorism - overseas medical expenses |
$250,000 |
Nil |
$250,000 |
|
Emergency dental expenses - pain relief |
$1,000 |
Nil |
$1,000 |
|
Emergency dental expenses - as a result of an injury |
$3,000 |
$500 |
$3,000 |
|
Incidental hospital expenses^ |
$4,000 |
Nil |
$4,000 |
|
Accompanying person |
$15,000 |
Nil |
$15,000 |
|
Search and rescue - natural disaster |
$20,000 |
Nil |
$20,000 |
|
Life benefits |
|||
|
Funeral expenses |
$25,000 |
$10,000 |
$25,000 |
|
Accidental death or permanent disablement |
$50,000 |
Nil |
$50,000 |
|
Accidental death or permanent disablement as a result of an act of terrorism |
$25,000 |
Nil |
$25,000 |
| Personal baggage benefits | |||
|
Personal baggage - total limit for all baggage benefits |
$30,000 |
$5,000 |
$30,000 |
|
Personal baggage item limit |
$1,500 |
$750 |
$1,500 |
|
Personal baggage - special limit (electronic equipment, video, and camera equipment) |
$2,500 |
$750 |
$2,500 |
|
Emergency baggage^ |
$1,500 |
$250 |
$1,500 |
|
Specified high value items - maximum value per item |
$10,000 |
Nil |
$10,000 |
|
Specified high value items - maximum total value |
$20,000 |
Nil |
$20,000 |
|
Travel documents |
$3,000 |
$500 |
$3,000 |
|
Personal money |
$500 |
Nil |
$500 |
|
Additional expenses as a result of an act of terrorism |
$3,000 | Nil | $3,000 |
|
Personal Liability benefits |
|||
|
Rental vehicle excess |
$6,000 |
$5,000 |
$6,000 |
|
Personal liability |
$2,500,000 |
$500,000 |
$2,500,000 |
|
Defence costs - including wrongful arrest |
$10,000 |
Nil |
$10,000 |
|
|
Get a quote | Get a quote | Get a quote |
^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 definitions, terms, conditions, limits and exclusions that apply.
AA International Travel Insurance Benefits
-
AA Member discount*
Online exclusive 15% AA Member discount available for new policies. 10% AA Member discount still available through AA Centres and over the phone.
-
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 pre-existing medical conditions
Under the Comprehensive plan, you can apply to get your pre-existing medical conditions covered. If accepted, this can give you that extra peace of mind during your holiday.
-
Cover for missed connections or travel delays
If you miss connections or have any travel delays because of unexpected situations, you will be able to claim up to the maximum benefit limit based on your policy type. This includes additional hotel and travel costs.
-
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’re suspected of having 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.
-
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 apply.
^The policy still has a general exclusion for epidemics and pandemics, and 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. Please refer to the Policy Wording for full details.
^Terms, conditions, limits, sub-limits and exclusions apply and these are stated in the Policy Wording. Customers considering the purchase of a travel insurance policy should read the Policy Wording to check what is and isn’t covered.
Have a question?
Our friendly New Zealand-based team are here to help. Give us a call anytime from 8:30am to 5pm Monday to Friday, or pop into one of our AA Centres to speak to a consultant.
Call: 0800 630 115