Domestic Travel Insurance

Cover for your NZ adventures

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. The AA Domestic Travel Insurance Comprehensive plan provides our highest level of protection against unexpected expenses like rental vehicle excess, flight cancellation fees and stolen or damaged baggage that could otherwise leave you out of pocket. There’s also an option to select a no excess plan, and to apply for pre-existing medical conditions cover. Plus, there’s cover for epidemics and pandemics (like COVID-19) in some cases^.

There is also a lower premium Cancellation Only plan that covers a situation where you’re forced to reschedule or cancel your trip before you go.

No matter which plan you choose, you’ll find the application process is quick and simple, so you can get back to much more exciting things – like booking that winery lunch, or bikes for a cycle trip. 

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Plan options

The Comprehensive plan provides the highest limits and extended benefits, giving you the most protection for your Kiwi travels

The Cancellation Only plan provides cover where you're forced to reschedule or cancel your trip before you go.

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Please note that the Domestic Comprehensive plan can only be issued for a maximum of 60 consecutive days of coverage.

Table of benefits

Comprehensive Plan

Cancellation Only Plan

Cancellation & Travel Disruption Benefits

Cancellation of journey^



Additional expenses^



Alternative transport expenses



Travel delay expenses^



Epidemics and pandemics^



Medical Benefits

Medical expenses^



Emergency dental expenses



Funeral expenses



Life Benefits

Accidental death or permanent disablement



Personal Baggage Benefits

Personal baggage^
(Limit for each individual item or set of items)



Emergency baggage^



Rental Vehicle Excess

Rental vehicle excess

$6,000 Nil

Personal Liability

Personal liability

$250,000 Nil


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^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 terms, conditions, limits and exclusions that apply.

Comprehensive Plan Benefits

  • 10% discount for AA Members*

    AA Members can receive a discount on all policies. Simply provide your valid AA Membership number on application.

  • 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, meal, and travel costs.
  • Cover for pre-existing medical conditions

    You can apply to get cover for your pre-existing medical conditions and if we agree to cover your pre-existing medical conditions an additional premium may apply.

  • 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 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’ve 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. This includes costs for additional accommodation and meals.
  • 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 may apply.

^The policy still has a general exclusion for epidemics and pandemics, and it 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. The cover applies where the amount isn’t covered by the public health system, ACC, and personal health insurance. Please refer to the Policy Wording for full details.

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

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.