Comprehensive
Travel Insurance
Comprehensive policy
Comprehensive offers our highest level of cover for travellers. This has higher limits and extended benefits for peace of mind while travelling. As well as all the options in our Essentials policy, Comprehensive offers the following extras – cover for pre-existing medical conditions, the ability to purchase a policy with no excess amounts, and additional cover for specified items which have a greater value than $1,500.
The Comprehensive policy allows unlimited amounts for loss of deposit/cancellation, curtailment and medical cover.
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 your policy cover details.
Schedule of benefits
| Policy option | Maximum cover |
| Cancellation/travel disruption benefits | |
| Loss of deposit/cancellation | Unlimited |
| Curtailment | Unlimited |
| Missed connection/travel delays | $15,000 |
| Frequent flyer points | $5,000 |
| Strikes/hijacks | $10,000 |
| Resumption of travel | $10,000 |
| Civil unrest | $1,500 |
| Additional expenses/terrorism | $3,000 |
| Medical benefits | |
| Medical | Unlimited |
| Medical/terrorism | $250,000 |
| Follow on treatment | $2,000 |
| Dental as a result of injury | $3,000 |
| Emergency dental - pain relief | $1,000 |
| Incidental hospital expenses | $4,000 |
| Accompanying person | $15,000 |
| Search & rescue | $20,000 |
| Life benefits | |
| Funeral | $25,000 |
| Accidental death | $50,000 |
| Accidental death terrorism | $25,000 |
| Baggage, personal effects and money benefits | |
| Personal baggage - total limit | $30,000 |
| Baggage - item limit | $1,500 |
| Electronic baggage | $2,500 |
| Emergency baggage | $1,500 |
| Replacement of travel documents | $3000 |
| Personal Money | $500 |
| Additional expenses as a result of terrorism | $3,000 |
| Personal liability | |
| Rental vehicle excess | $6,000 |
| Personal liability | $2,500,000 |
| Wrongful arrest | $10,000 |
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.
Financial advice
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.
*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.