Travel Insurance

Travel a little freer knowing we're on the journey with you

Win back the cost of your trip!

Just imagine how you could travel a little freer knowing your trip is on us. Maybe you’d seek adventure, traversing the road less travelled or dial up the luxury element of your trip? Simply purchase an AA Travel Insurance policy to enter and you're automatically entered into the draw to win 1 of 3 $15,000 cash prizes^ - it's that easy!HF Rome popup

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AA Travel Insurance

Travel is part of the Kiwi DNA, but even the best laid travel plans can go unexpectedly wrong. That’s why we offer AA Travel Insurance plans - so you can travel a little freer here in NZ or overseas, knowing help is only a phone call away.

With AA Travel Insurance, your trip can be protected from unforeseen cancellation and loss of deposits before you even depart. So if something happens in the lead-up to your trip, we can be there to help you.

To understand what cover AA Travel Insurance provides for epidemic and pandemic diseases, like COVID-19, check out our FAQs

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Why choose AA Travel Insurance


Get a quote online in minutes, so you can get back to planning your adventure. All you need are your travel dates, destination and any companions.


We’ve made the process simple, with domestic and international plans to choose from.


With AA Travel Insurance being one of NZ’s trusted travel insurance brands, we are proud to take care of Kiwis’ insurance needs.


We’re backed by the Allianz Worldwide Emergency Assistance programme, ready to help you no matter where you are in the world.

Playing at home or away?

Whether you're hitting the ski slopes or ticking a Great Walk off your list, make sure your trip is covered from unexpected costs like cancellation, travel disruption, and rental vehicle excess.

With three plans to choose from, our International Insurance cover is designed to make sure you can still enjoy your holiday even if something goes south.

AA Travel Insurance Benefits:

  • AA Member discount
    • AA Members can get a 10% discount* on new AA Travel Insurance policies. Simply provide your AA Membership number when you apply.

  • 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.

  • Free cover for dependent children
    • Dependent children travelling with someone covered under a policy can be covered at no additional charge (for Domestic Cover – that's up to 18 years, and for International Cover – up to 21 years).

  • Cover for some COVID-related situations^
    • Both domestic and international options include selected cover for epidemic and pandemic diseases, like COVID-19. So if you’re diagnosed on your trip and need medical assistance or need to change your plans, you’ll be covered.

  • Cover before you depart
    • Your trip is protected from unforeseen cancellation and loss of deposits the moment your cover is confirmed.

  • Cover for recreational activities
    • Some recreational sports are automatically covered under our policies, including leisure skiing and snowboarding, hot air ballooning, parasailing and paragliding, bungee jumping, and white-water rafting in grade 4 rivers (or less).

For all of these benefits, please make sure you read the Policy Wording to understand the terms, conditions, limits, and exclusions that may 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.

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Have a question?

Our friendly New Zealand-based team are here to help. Give them 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

Frequently asked questions

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 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.

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.

Our insurance partner

AA Travel Insurance policies are brought to you by the New Zealand Automobile Association Incorporated (AA), are issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia) ("Hollard"). You should consider the Policy Wording before making any decisions about this insurance policy. Terms, conditions, limits, sub-limits and exclusions apply. 

Financial Strength Rating

The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia), ("Hollard"), has been given a financial strength rating of A (Strong) issued by Standard and Poor's. View the full details on the Financial Strength Rating.

An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.

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.

More information

Contact us
Policy Wording
Make a claim
Terms and conditions
AA Traveller Member Benefits

*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 doesn’t apply to additional cover for high value items.

^All new policies taken out between 7am 13 May and 11:59pm 30 June 2024 will automatically be in the draw to win 1 of 3 $15,000 NZD cash prizes. See the full T&Cs here.