Around 40% of New Zealanders are looking to travel abroad within the next 12 months, according to Nielsen Consumer Data Insights. While relaxing and learning are key reasons to travel, going overseas can come with risks too.¹
AA, the Automobile Association in New Zealand, offers international travel insurance policies to help cover the unexpected when going abroad. Learn more about how AA international travel insurance works and if it can be a good fit for your next trip.
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AA offers international travel insurance to help protect your trip abroad. How it works is that you purchase a policy that fits the needs of your trip and pay for the policy upfront. AA will then provide you coverage in case an unfortunate incident occurs like:
Travel insurance can provide relief and save you money if something bad happens, but if you have a healthy, on-time and safe trip, you don’t get your money back.²
AA offers three main international travel insurance plans: Essential, Comprehensive and Frequent Traveller:³
For those that travel with work, AA offers a Business Cover international travel plan. It provides additional coverage for electrical equipment, personal accidents, loss of income and more.⁴
Identify the package that works best for the activities of your trip, and your budget.
The New Zealand Automobile Association (AA) travel insurance policies are issued and managed by AWP Services New Zealand Ltd as Allianz Partners. The policies themselves are underwritten by The Hollard Insurance Company, incorporated in Australia. ⁵
Here are the main benefits of choosing AA for your international travel insurance:⁶
The amount of reimbursement and coverage differs between the AA international travel insurance plans. You can get a free quote online by putting in your trip details on the AA Travel Insurance website.
AA international travel insurance coverage depends on the type of plan you choose. However, here is an example of coverage you can expect:⁷
| Essentials | Comprehensive | Frequent traveller | |
|---|---|---|---|
| Loss of deposits | $5,000 NZD | Unlimited | Unlimited |
| Travel delay | $500 NZD | $15,000 NZD | $15,000 NZD |
| Overseas medical expenses | $250,000 NZD | Unlimited | Unlimited |
| Accidental death or permanent disablement | Not available | $50,000 NZD | $50,000 NZD |
| Personal baggage | $5,000 NZD | $30,000 NZD | $30,000 NZD |
| Loss of personal money | Not available | $500 NZD | $500 NZD |
As seen on 07 October 2023
The main fees for AA New Zealand international travel insurance are the policy premium and the excess.⁸
There may be additional costs for travelling to more than one country or extra coverage for luggage.⁹
AA members can get a 10% discount on a travel insurance policy.
Certain things are not covered in your policy like cosmetic surgery or unlawful or reckless acts like riding a motorcycle without a helmet. You’ll find everything that is and isn’t covered in the AA Travel Insurance’s Policy Wordings. ¹⁰
International travel insurance is available for adults and children. Your policy only starts once you have paid the policy premium and a certificate of insurance has been issued.
There is no coverage for pre-existing medical conditions under the Essentials plan, and limited coverage with the Comprehensive plan. Speak to a Customer Care Medical Assessments representative at 0800 630 115 for more information. ¹¹
You can get an international travel insurance policy online with AA. Input your details and review the plan options. Once you’ve chosen a plan, you can make your payment at the checkout window online and receive a receipt. You can also call AA for additional assistance. ¹²
You will be sent a Certificate of Insurance.
You can submit a claim online, or download the claim form and send it in following the instructions. Make sure you submit your receipts and any reports with your form. ¹³
All three plans of AA international travel insurance provide COVID-19 coverage. Once your policy is issued, you can get reimbursed if you get COVID and can’t continue your trip or have to cancel.¹⁴
For customer service, you can reach out to AA Travel Insurance by phone at 0800 630 115, Monday through Friday between 8.30am to 5pm.
For emergency assistance, you can call the following numbers:¹⁵
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Sources:
Sources checked on: 07 October 2023
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
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