Sunglasses, swimming togs, phone charger… you’ll travel a little freer this summer when you remember to pack the essentials for your trip.
Don't forget to pack AA Travel Insurance before 30 November 2025 for 5x entries into the draw to win $5,000 cash! For 1x additional entry, simply fill in our online entry form.1
That’s because AA Travel Insurance policies can cover for cancellation and loss of deposits before you even go. So if something happens in the lead-up to your trip, we can be there to help you. With International Travel Insurance, you’ll be supported 24/7 no matter where you are in the world, with help just a phone call away.
Our three plans - Essentials, Comprehensive, and Frequent Traveller, have been designed with flexibility in mind, and provide different benefits and limits. Get an instant online quote.
The Essentials plan has been designed for those who only need limited travel insurance cover.
The Comprehensive plan provides the highest level of cover, offering all the benefits under the Essentials plan and more.
Designed for those who travel regularly, the Frequent Flyer plan can cover all trips taken during a 12-month period (up to 60 days duration per trip).
Cover for you when the main intention of your trip is for business purposes.
Offers additional business benefits.
| Table of benefits | Comprehensive | Essentials | Frequent Flyer (per trip) |
|---|---|---|---|
| Cancellation & Travel Disruption Benefits | |||
| Loss of deposits^ | Unlimited | $5,000 | Unlimited |
| Cancellation of journey paid in full | Unlimited | $5,000 | Unlimited |
| Curtailment | Unlimited | $5,000 | Unlimited |
| Missed connection | $15,000 | $500 | $15,000 |
| Travel delay | $15,000 | $500 | $15,000 |
| Frequent flyer points | $5,000 | Nil | $5,000 |
| Resumption of Travel | $10,000 | Nil | $10,000 |
| Strikes and hijacks | $10,000 | Nil | $10,000 |
| Evacuation - civil unrest Pacific Islands | $1,500 | Nil | $1,500 |
| Additional expenses as a result of an act of terrorism | $3,000 | Nil | $3,000 |
| Epidemics and pandemics^ | Unlimited | $5,000 | Unlimited |
| Medical Benefits | |||
| Overseas medical expenses^ | Unlimited | $250,000 | Unlimited |
| Terrorism - overseas medical expenses | $250,000 | Nil | $250,000 |
| Emergency dental expenses - pain relief | $1,000 | Nil | $1,000 |
| Emergency dental expenses - as a result of an injury | $3,000 | $500 | $3,000 |
| Incidental hospital expenses^ | $4,000 | Nil | $4,000 |
| Accompanying person | $15,000 | Nil | $15,000 |
| Search and rescue - natural disaster | $20,000 | Nil | $20,000 |
| Life benefits | |||
| Funeral expenses | $25,000 | $10,000 | $25,000 |
| Accidental death or permanent disablement | $50,000 | Nil | $50,000 |
| Accidental death or permanent disablement as a result of an act of terrorism | $25,000 | Nil | $25,000 |
| Personal baggage benefits | |||
| Personal baggage - total limit for all baggage benefits | $30,000 | $5,000 | $30,000 |
| Personal baggage item limit | $1,500 | $750 | $1,500 |
| Personal baggage - special limit (electronic equipment, video, and camera equipment) | $2,500 | $750 | $2,500 |
| Emergency baggage^ | $1,500 | $250 | $1,500 |
| Specified high value items - maximum value per item | $10,000 | Nil | $10,000 |
| Specified high value items - maximum total value | $20,000 | Nil | $20,000 |
| Specified high value items - maximum total value | $20,000 | Nil | $20,000 |
| Travel documents | $3,000 | $500 | $3,000 |
| Personal money | $500 | Nil | $500 |
| Additional expenses as a result of an act of terrorism | $3,000 | Nil | $3,000 |
| Personal Liability benefits | |||
| Rental vehicle excess | $6,000 | $5,000 | $6,000 |
| Personal liability | $2,500,000 | $500,000 | $2,500,000 |
| Defence costs - including wrongful arrest | $10,000 | Nil | $10,000 |
^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.
AA Members can get a 10% discount on new AA Travel Insurance policies. Simply provide your AA Membership number when you apply.
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.
Under the Comprehensive plan, you can apply to get your pre-existing medical conditions covered. If accepted, this can give you that extra peace of mind during your holiday.
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 and travel costs.
All plans include selected cover for epidemic and pandemic diseases, like COVID-19 in some situations:
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 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.
Our friendly New Zealand-based team are here to help. Give them a call anytime from 8am to 6pm Monday to Friday. Or pop into one of our AA Centres to speak to a consultant.
Call: 0800 630 115
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:
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.
AA Travel Insurance policies are issued and managed by AWP Services New Zealand Limited trading as Allianz Partners (NZBN 9429035270157), underwritten by Mitsui Sumitomo Insurance Company, Limited (NZBN 9429039809810, FSP Number 20661) (Incorporated in Japan) and distributed by The New Zealand Automobile Association (Incorporated).
Before purchasing, you should read the Policy Wording to ensure that the policy meets your needs. Terms, conditions, limits, sub-limits and exclusions apply.
Mitsui Sumitomo Insurance Company, Limited (NZBN 9429039809810, FSP Number 20661) (Incorporated in Japan), has a financial strength rating of A+ (Stable) given by S&P Global Ratings. View the full details on the Financial Strength Rating.
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.
*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 does not apply to additional cover for high value items.
1All new policies taken out between 12:01am 1 November and 11:59pm 30 November 2025 will automatically be in the draw to win $5,000 NZD cash. An additional entry can be earned by filling in the online entry form. See the full T&C’s.
