COVID-19 FAQs

It’s important to us that you have all the information you need in these uncertain times, including how COVID-19 relates to your AA Life policy. These FAQ’s will help you understand what’s covered within your policy. If you would like more clarification on this, please get in touch with us on 0800 808 234 or by emailing [email protected].

For more information on COVID-19, we recommend you refer to the Government’s COVID-19 website.  And if you are concerned about any signs and symptoms you should follow the Ministry of Health’s guidelines.

Does my Life Cover or Funeral Cover policy cover COVID-19?

The most important thing for you to know is Life Cover and Funeral from AA Life will continue to cover death, as a result of illness or injury - including COVID-19.

Please just remember that the claims process will still apply and the claim criteria still need to be met, taking into account any special terms and conditions that may have been applied to your individual policy when you took out your cover.

If I take out cover with AA Life, will I be covered for COVID-19?

If you apply and are accepted for Life Cover or Funeral Cover with AA Life, you will be covered for death as a result of COVID-19, subject to policy terms and conditions, including any special terms and conditions that may be applied to your individual policy when you apply.

Please just remember that the claims process would still apply as normal where the claim criteria still need to be met.

What if I have recently travelled overseas, or are intending to in the near future?

For Life Cover policies taken out before August 2019

Your AA Life policy includes a standard exclusion for death that occurs as a direct or indirect result of you being in a country (or region) to which the New Zealand Government has advised against travel with an 'Avoid non-essential travel' or 'Do not travel' warning. This exclusion may apply if your death (from COVID-19 or any other condition) was a result of being in one of these countries. Please refer to the policy wording or call 0800 808 234 for further details.

For Life Cover policies taken out after August 2019

A travel exclusion may have been applied to your policy if you indicated future travel plans when you applied.

This exclusion is for claims arising from events that occur at a time when you were in a country (or region) where the New Zealand Government has advised against travel with an 'Avoid non-essential travel' or 'Do not travel' warning. This exclusion may apply if you contract COVID-19 while visiting one of these countries, even if death does not occur in one of those countries. Please refer to the policy wording for further details.

Please note that as of 19 March 2020, the New Zealand Government is advising New Zealanders to not travel overseas, regardless of the destination.

If I've been financially affected by COVID-19, what should I do?

If you are experiencing financial hardship as a result of COVID-19, please call us on 0800 808 234. One of our team will talk you through the options available to you and help you explore possible solutions.

Our insurance partner

AA Life insurance policies are brought to you by the New Zealand Automobile Association Incorporated and underwritten by Asteron Life Limited.

Financial strength rating

Asteron Life Limited has been given an A+ financial strength rating by Standard & Poor’s.

Financial advice

Our website provides general information about our products and services to help you make choices when it comes to protecting the things in life that really matter. The information doesn’t 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 an adviser who’s registered under the Financial Advisers Act 2008.