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Domestic travel insurance

Cover for your NZ adventures
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Call us 0800 808 203

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 and you can apply to have your existing medical conditions covered on each.

The Domestic plan provides our highest level of protection with benefits included for rental vehicle insurance excess, flight cancellation fees and stolen or damaged baggage, where unexpected events could otherwise leave you out of pocket.  You can also personalise your cover with optional cover variations.

If you're on a tighter budget, the Domestic Cancellation plan provides protection against the loss of prepaid deposits and cancellation fees, as well as certain additional expenses whilst travelling.

Select the level of cancellation cover you need when purchasing your policy (cover chosen per person, max $1,500).

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Cover options

The Domestic plan provides the highest limits and extended benefits, giving you the most protection for your New Zealand travels.

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The Domestic Cancellation Plan provides protection against the loss of prepaid deposits and cancellation fees, as well as certain additional expenses whilst travelling.

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If you travel within New Zealand multiple times a year and want to avoid the hassle of taking out a new policy each time, an Annual Multi-Trip policy could be a great option. This can be chosen alongside our Domestic plan.

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AA Travel Insurance Domestic Plan benefits^

  • AA Member discount*

AA Members can get a 10% discount on new AA Travel Insurance policies. Simply provide your valid AA Membership number at time of purchase.

  • Cover before you depart

If you purchase your policy before you start your trip, it's protected from unforeseen cancellation and loss of deposits the moment your cover is confirmed.

  • Cover for missed connections or travel delay

If you unexpectedly miss a connection or experience travel delays, you can claim up to the benefit limit of the plan. You could be covered for alternative travel arrangement costs such as flights and accommodation, or for other related expenses incurred due to the delay such as meals.

  • 24/7 emergency assistance

With AA Travel Insurance, you’ll have 24/7 emergency assistance at your fingertips. Just one call connects you with a specialist who can help with all kinds of travel related setbacks.

  • Rental vehicle insurance excess

Rental vehicle insurance excess cover up to $10,000 is included, along with cover for the vehicle insurance excess on your personal vehicle up to $2,500.

  • Cover variations available

You can choose from a range of cover variations, including Cancellation Plus Cover, Adventure Cover, Adventure Plus Cover (for activities not already included in the plan), Snow Sports Cover, Snow Sports Plus Cover, Motorcycle/Moped Riding Plus Cover and the Business Pack (for work-related travel). You can also choose to increase your luggage item limits. An additional cost will apply.

^This is only a summary and relates to the current on sale product (Policy Wording with a start date of 1 December 2025). Adding extra cover to the base policy will incur an additional cost. Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply. These are set out in the Policy Wording which you should read before making any decisions about an AA Travel Insurance policy. 

Have a question?

Check out our frequently asked questions, give one of our friendly New Zealand-based team a call Monday to Friday 8.30am - 5.15pm, Saturdays 10am - 1.45pm or pop into one of our AA Centres to speak to a consultant.

Call: 0800 808 203

Cover more underwriter

Our insurance partner

AA Travel Insurance policies are issued and underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640) trading as Zurich New Zealand, distributed, arranged and administered by Cover-More (NZ) Limited (NZBN: 9429038789373: FAP FSP26184), and promoted and distributed by The New Zealand Automobile Association (Incorporated).  For further information see Zurich New Zealand’s financial strength rating. Consider the Policy Document before deciding to buy this product. Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply.

Financial strength rating

Zurich Australian Insurance Limited (ABN 13 000 296 640) trading as Zurich New Zealand has a financial strength rating of AA- from S&P Global Ratings. This rating shows that the company has very strong financial security characteristics. This is reviewed annually and may change from time to time. View the full and current 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.

QUICK LINKS    

AA Travel Insurance homepage

Business travel insurance

Policy Wording

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FAQs

AA Member benefit

10% AA Member discount available for new policies.

Terms and conditions apply.*

More information

Contact us

Policy Wording

About us

Terms and conditions

AA Traveller Member Benefits

*Provide a valid AA Membership number at time of purchase. Discount applies to the total premium.