Travel insurance policy options
We offer three types of policy, with the option to select your own excess.
You can also select increased cover for specified high value items, to be covered for civil unrest in the Pacific Islands or for terrorism and automatic free cover for some pre-existing medical conditions.
The tables below set out a summary of the cover that is provided under each plan and the most we will pay in total for all claims under each section.
Important – Please note: A maximum total limit applies for all claims by all insured persons under certain sections and other limits, sub-limits, conditions and exclusions apply. Where used, unlimited means only that where there is no capped dollar sum insured and all costs and expenses claimed must be reasonable. Refer to the general exclusions and policy cover for more details.
Compare the policies
|Policy option||Essentials||Comprehensive||Frequent traveller|
|Cancellation/travel disruption benefits|
|Loss of deposit/cancellation||$5,000||Unlimited||Unlimited|
|Missed connection/travel delays||$500||$15,000||$15,000|
|Frequent flyer points||-||$5,000||$5,000|
|Resumption of travel||-||$10,000||$10,000|
|Follow on treatment||-||$2,000||$2,000|
|Dental as a result of injury||$500||$500||$3,000|
|Emergency dental - pain relief||-||$1,000||$1,000|
|Incidental hospital expenses||-||$4,000||$4,000|
|Search & rescue||-||$20,000||$20,000|
|Accidental death terrorism||-||$25,000||$25,000|
|Baggage, personal effects and money benefits|
|Personal baggage - total limit||$5,000||$30,000||$30,000|
|Baggage - item limit||$750||$1,500||$1,500|
|Replacement of travel documents||$500||$3,000||$3000|
|Additional expenses as a result of terrorism||-||$3,000||$3,000|
|Rental vehicle excess||$5,000||$6,000||$6,000|
|Loss of deposits|
|You can also choose to buy the Loss of Deposits only cover. This protects you for up to $10,000 in cancellation costs. This cover expires when you make the final payment for your journey. Terms conditions, limits and exclusions apply as set out in your Policy Wording.|
- Policy wording – This brochure is only a summary of the policy. For full policy terms and conditions please refer to the policy wording.
- Pre-existing medical conditions - refer to our information on pre-existing medical conditions if relevant.
- Quotes – We reserve the right to amend any premium quoted prior to the issuing of any policy.
If you are not completely satisfied with the extent of cover provided by this policy you may cancel this policy within 14 days after you are issued with your Policy Certificate. You will be given a full refund of the premium you have paid, provided you have not started your Journey and you do not wish to make a claim or exercise any other right under the policy.
*Terms and conditions
- 10% AA Member discount available when you provide your valid AA Membership number on application. The discount applies to our standard pricing and any additional premium for pre-existing medical cover, but does not apply to any additional premium for specified items.
Our insurance partner
AA Travel Insurance is a partnership between The New Zealand Automobile Association Incorporated (AA) and AWP Services New Zealand Limited trading as Allianz Partners. AA Travel Insurance is issued and managed by Allianz Partners and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia). You should consider the Policy Wording before making any decisions about this travel insurance policy.
Our website provides general information about our products and services to help you make choices when it comes to protecting the things that matter. The information doesn't take into 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 an adviser who's registered under the Financial Advisers Act 2008.