International Business Cover
Even when you are travelling overseas on a business trip, it’s important to consider taking out travel insurance. We offer International Business Cover to insure your travel and includes benefits for things like trade samples and tools, loss of income and alternative staff to step in if you were forced to return home early. We offer 24/7 support, no matter where you are in the world.
Choose from our two plans, Gold or Platinum - which offer different benefits and levels.
International Business Cover is not available online. To apply, please call our Contact Centre on 0800 630 115 or visit your nearest AA Centre.
Table of benefits
|
|
Platinum |
Gold |
|
Cancellation & Travel Disruption Benefits |
Maximum Benefits (in NZ$) |
|
|
Loss of deposits* |
Unlimited |
Unlimited |
|
Cancellation of journey paid in full |
Unlimited |
Unlimited |
|
Curtailment |
Unlimited |
Unlimited |
|
Missed connection |
Unlimited |
$10,000 |
|
Travel delay |
Unlimited |
$10,000 |
|
Frequent flyer points |
$10,000 |
$5,000 |
|
Costs of resumption of travel/alternative staff |
$20,000 |
$10,000 |
|
Strikes and hijacks |
$10,000 |
$10,000 |
|
Additional expenses as a result of an act of terrorism |
Covered within above limits |
$3,000 |
|
Epidemics and pandemics* |
Unlimited |
Unlimited |
|
Medical Benefits |
Maximum Benefits (in NZ$) |
|
|
Overseas medical expenses* |
Unlimited |
Unlimited |
|
Overseas medical - as a result of terrorism |
Unlimited |
$250,000 |
|
Emergency dental expenses - as a result of an injury |
$3,000 |
$2,000 |
|
Emergency dental expenses - pain relief not accident related |
$3,000 |
$1,000 |
|
Incidental hospital expenses* |
$5,000 |
$4,000 |
|
Accompanying person |
$15,000 |
$15,000 |
|
Search and rescue - natural disaster |
$20,000 |
$20,000 |
|
Personal Accident and Loss of Income |
Maximum Benefits (in NZ$) |
|
|
Accidental death or permanent disablement |
$50,000 |
$50,000 |
|
Accidental death or permanent disablement as a result of an act of terrorism |
$50,000 |
$25,000 |
|
Travel accident - resulting in death |
$100,000 |
$100,000 |
|
Loss of income |
$15,000 |
$10,000 |
|
Funeral expenses |
$25,000 |
$20,000 |
|
Baggage, Personal Effects and Money Benefits |
Maximum Benefits (in NZ$) |
|
|
Personal baggage - total limit |
$40,000 |
$30,000 |
|
General item limit |
$3,000 |
$2,000 |
|
Electronic equipment item limit |
$5,000 |
$3,000 |
|
Trade samples & tools |
$20,000 |
$5,000 |
|
Emergency baggage* |
$2,500 |
$1,500 |
|
Travel documents |
$3,000 |
$3,000 |
|
Personal money |
$2,000 |
$1,000 |
|
Additional expenses as a result of an act of terrorism |
Covered within above limits | $3,000 |
|
Personal Liability Benefits |
Maximum Benefits (in NZ$) |
|
|
Rental vehicle excess |
$6,000 |
$6,000 |
|
Personal liability |
$2,500,000 |
$2,500,000 |
|
Defence costs - including wrongful arrest |
$500,000 |
$500,000 |
|
Other Benefits |
Maximum Benefits (in NZ$) |
|
|
Kidnap and ransom |
$250,000 | No cover |
|
Political evacuation |
$10,000 | No cover |
*Sub-limits apply - please read the Policy Wording in full for details.
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 Business Cover Benefits
-
Cover for some COVID-related situations^
All of our policies include selected cover for epidemic and pandemic diseases, like COVID-19 in some situations:
- If you or your travelling companion are diagnosed with the disease and you can't go on your trip or have to go home early.
- If you or your travelling companion are quarantined or put into isolation by the NZ Government if you’re suspected of having been exposed to the disease.
- If you or your travelling companion are 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 and provides cover for $200 per day up to a maximum of $1,400.
-
24/7 Emergency Assistance
With AA Business Travel Insurance, you’ll have access to the Allianz Partners 24/7 Emergency Assistance Team. A single call will put you in touch with a travel specialist who will be able to help you.
-
Cover for some pre-existing medical conditions
This policy provides automatic cover for certain pre-existing medical conditions. Cover for conditions outside of those listed for automatic covered pre-existing medical conditions may be available following a medical assessment.
-
Rental vehicle excess cover
Cover is in place for the insurance excess you are required to pay, as a result of loss or damage to a rental vehicle you have hired, up to $6,000.
-
10% discount for AA Members*
AA Members can receive a discount on all policies. Simply provide your valid AA Membership number on application.
-
Additional benefits
The cover provides additional benefits for your business journey including cover for trade samples and tools, loss of income, alternative staff to provide cover if you were forced to return home early, and kidnap and ransom.
For all of these benefits, please make sure you read the Policy Wording to understand the terms, conditions, limits, sub-limits and 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.
Have a question?
Our friendly New Zealand-based team are here to help. Give them a call anytime from 8:30am to 5.00pm Monday to Friday, or pop into one of our AA Centres to speak to a consultant.
Call: 0800 630 115