Essentials

Travel Insurance

Buy your travel insurance online now.

Primary destination is where you intend to spend most of your time. For cruises, choose one of the cruise options

Please select your destination

Please select start and end dates

Number of adults + children cannot exceed 10 people

Please specify the age of each adult travelling

* Dependant children, under the age of 21, who are travelling with an adult are covered free of charge.

Essentials policy

Just because you are travelling on a budget, doesn't mean you cannot afford travel insurance. Essentials covers you for the things that are most important – your health, safety and personal items.

The Essentials policy covers the risks faced by a traveller with restricted benefits and lower policy limits. It even covers recreational sports coverage and a no excess option.

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 uder 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.

Schedule of benefits

Policy option Maximum cover
Cancellation/travel disruption benefits
Loss of deposit/cancellation $5,000
Curtailment $5,000
Missed connection/travel delays $500
Medical benefits
Medical $250,000
Dental as a result of injury $500
Life benefits
Funeral $10,000
Baggage, personal effects and money benefits
Personal baggage - total limit $5,000
Baggage - item limit $750
Electronic baggage $750
Emergency baggage $250
Replacement of travel documents $500
Personal liability
Rental vehicle excess $5,000
Personal liability $500,000

Contact Us

General enquiries 0800 630 115

We are experiencing higher call volumes than usual. If your query is non-urgent, please email [email protected]

Emergency Assistance

New Zealand Toll Free 0800 486 686

Worldwide Collect +64 9 486 6868

Australia Toll Free 1 800 554 114

UK Toll Free 0808 589 3893

USA Toll Free 1 800 326 1543

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.

10% AA Member discount available on new policies.

Terms and conditions apply*