International Travel Insurance

Cover for your overseas adventures

Even when you’re in the early planning stages of your trip, it’s important to consider taking out travel insurance. 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. Click here for an instant online quote. 

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Cover for some COVID-related situations^

All plans include some cover for epidemic and pandemic diseases, like COVID-19, in some situations:

  • If you're diagnosed with the disease after you purchase your policy and 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 because you’re suspected of having been exposed to the disease and can’t go or continue on your trip
  • If you’re denied boarding on any scheduled public transport service based on the suspicion that you have the disease.

^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.

Terms, conditions, limits, sub-limits and exclusions apply and these are set out in the Policy Wording. Please refer to the Policy Wording for full details.

FAQs

Cover Options

Essentials

The Essentials plan has been designed for those who only need limited travel insurance cover.

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Comprehensive

The Comprehensive plan provides the highest level of cover, offering all the benefits under the Essentials plan and more.

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Frequent Flyer

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)

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Business Cover

Cover for you when the main intention of your trip is for business purposes.

Offers additional business benefits.

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Table of benefits

Comprehensive Plan

Essentials Plan

Frequent Flyer Plan

(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 

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

 

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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 definitions, terms, conditions, limits and exclusions that apply.

AA International Travel Insurance Benefits

  • 10% discount for AA Members*

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

  • 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 pre-existing medical conditions

    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.

  • 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 and travel costs.

  • 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’re suspected of having 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.

  • 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 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.

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

Frequently asked questions

Expand all Collapse all

What countries does my selected cover^ for epidemic and pandemic diseases (including Covid-19) cover?

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).

If I contract Covid-19 prior to travelling do I have selected cover^ for epidemic and pandemic diseases?

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.

If I contract Covid-19 in transit to my destination country do I have selected cover^ for epidemic and pandemic diseases?

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.

Does selected cover^ for epidemic and pandemic diseases still apply if I am unvaccinated?

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.

Are there any mandatory epidemic and pandemic insurance requirements to enter certain countries?

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.

If I had Covid-19, should I declare this as a Pre-existing Medical Condition?

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:

  • still testing positive; or
  • still displaying Covid-19 signs and symptoms; or
  • have been diagnosed with 'long Covid';

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.

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.