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

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 (FSP758611) and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia). Read AWP Services New Zealand Limited Disclosure statement here. Terms, conditions, limits, sub-limits and exclusions apply. These are set out in the Policy Wording , which you should read before making any decisions about an AA Travel Insurance Policy.

Financial Strength Rating

The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia), (“Hollard”), Level 26, 188 Quay Street, Auckland 1010 has been given a financial strength rating of A- (Excellent) issued by A.M. Best Company Inc. To see full details on the Financial Strength Rating please click here.

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.