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Policy Wording

Be confident in knowing what you are or aren't covered for

AA Travel Insurance Policy Wording

We want to make sure you’re confident in knowing what you are or aren’t covered for. That means reading the Policy Wording to understand the benefits as well as your responsibilities, and the cover limits and exclusions of your policy.

AA Travel Insurance - effective 1 December 2025. 

Our insurance partner

AA Travel Insurance policies are issued and underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640) trading as Zurich New Zealand, distributed, arranged and administered by Cover-More (NZ) Limited (NZBN: 9429038789373: FAP FSP26184), and promoted and distributed by The New Zealand Automobile Association (Incorporated).  For further information see Zurich New Zealand’s financial strength rating. Consider the Policy Document before deciding to buy this product. Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply.

Financial strength rating

Zurich Australian Insurance Limited (ABN 13 000 296 640) trading as Zurich New Zealand has a financial strength rating of AA- from S&P Global Ratings. This rating shows that the company has very strong financial security characteristics. This is reviewed annually and may change from time to time. View the full and current financial strength rating

AA Travel Insurance Domestic Cover Policy Wording - effective 1 April - 30 November 2025.

Includes both the Comprehensive and Cancellation Only plans.

AA Travel Insurance International Leisure Cover Policy Wording - effective 1 April - 30 November 2025.

Includes the Essentials, Comprehensive and Frequent Flyer plans.

AA Travel Insurance International Business Cover Policy Wording - effective 1 April - 30 November 2025.

AA Travel Insurance Country Plans

Leisure Travel Insurance Country Plans

Policies issued prior to 1 December 2025

AA Travel Insurance policies issued before 1 December 2025 were 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). 

Financial strength rating

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.

Financial Advice

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.

AA Member benefit

10% AA Member discount available for new policies.

Terms and conditions apply.*

More information

*Provide a valid AA Membership number at time of purchase. Discount applies to the total premium.