aa travel insurance policy documents

Financial Strength Rating

The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia), ("Hollard"), has been given a financial strength rating of A (Strong) issued by Standard and Poor's. View the full details on the  Financial Strength Rating .

An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.

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.

More information

Contact us Policy Wording Make a claim Terms and conditions AA Traveller Member Benefits

* AA Members can receive an online exclusive 15% discount on AA Travel Insurance.  10% AA Member discount still available through AA Centres and over the phone. Simply provide each traveller’s valid AA Membership number on application. Discount applies to Base Price, including any additional pre-existing cover, but does not apply to additional cover for high value items. Discount does not apply in respect of policies purchased through quotes generated outside the relevant promotion period. View the full  T&Cs .

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Allianz Trip Insurance

Protect your travel experience

Read about Allianz Trip Insurance’s COVID-19 insurance coverage limitations and accommodations.

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Top reasons to buy trip insurance

• Financial reimbursement if you have to cancel or interrupt your trip due to a covered illness, injury, jury duty, and more
• Emergency medical benefits in and outside the U.S. – where many personal health insurance policies (like Medicare) won’t cover you
• 24-hour emergency assistance to help you solve medical and other travel-related problems on the go

Types of trip insurance plans

Allianz Trip Insurance comes in a variety of plans to fit your specific needs. Single-trip plans can protect one trip, annual plans can protect all your trips for an entire year, and rental car protection plans can keep your budget safe from accidental collision and damage to a rental vehicle.

All insurance is recommended / offered / sold by 3rd party, Allianz Global Assistance, not American Airlines. Underwriter: Jefferson Insurance Company or BCS Insurance Company. AGA Service Company is the licensed producer and administrator of these plans. AGA Service Company is a licensed producer in all 50 states plus the District of Columbia.

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Trip insurance benefits

Reimburses your prepaid, non-refundable travel expenses if you need to cancel your trip due to a covered illness, injury, and more.

Reimburses the unused, non-refundable portion of your trip and increased transportation costs it takes for you to return home early or to continue your trip due to a covered illness, injury, and more.

Reimburses expenses related to covered emergency medical or dental care incurred on your trip.

Provides benefits for medically necessary transportation to the nearest appropriate medical facility following a covered injury or illness.

Reimburses extra meals and accommodations you may need if your flight is delayed for 6 or more hours for a covered reason.

Reimburses you if your luggage is lost, damaged or stolen during your trip—keeping your travel plans on track.

Reimburses the purchase of essential items if your luggage is delayed for more than 24 hours.

Turn your trip into a VIP experience. Our travel experts can give you destination information, make restaurant reservations, find tickets to shows, and more.

Help is just a phone call away. Our team of multilingual problem solvers is available to help you with medical and other travel-related emergencies.

Provides primary coverage with no deductible.

Review period

If you’re not completely satisfied, you have 15 days (or more, depending on your state of residence) to request a refund, provided you haven’t started your trip or initiated a claim. Plans are non-refundable after this period.

Additional assistance

Coverage by country of residence.

• Frequently asked questions

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best’s 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive,Richmond, VA 23233 or [email protected]

Email [email protected]

PLEASE BE ADVISED: This plan contains insurance benefits (which may include disability and/or health insurance benefits) that only apply during the covered trip. This optional coverage may duplicate coverage already provided by your personal auto, home, renter’s, health, life, personal liability, or other insurance policy or source of coverage but may be subject to different restrictions. You should review the terms of this policy with your existing coverage. If you have any questions about your current coverage, call your insurer/health plan or insurance agent/broker. This insurance is not required to purchase any other products/services. Unless licensed, travel retailers and their employees may provide general information about the insurance, including a description of coverage and price, but are not qualified/authorized to answer technical questions about terms, benefits, exclusions, and conditions of the insurance or evaluate the adequacy of existing coverage. Plans are intended for U.S. residents only and may not be available in all jurisdictions. Rental Car Protector is not available to KS and TX residents, except when purchased as a separate policy and is not available in all countries or for all cars. This coverage does not provide liability insurance or comply with any financial responsibility law, or any other law mandating motor vehicle coverage and does not cover you for any injury to another party. Additionally:

California Residents: We are doing business in California as Allianz Global Assistance Insurance Agency, License # 0B01400. California offers a toll-free consumer hotline at 1-800-927-4357.

New York Residents: The licensed producer represents the insurer for purposes of the sale. Compensation paid to the producer may depend on the policy selected, or the producer’s expenses, volume of business, or profitability. The purchaser may request and obtain information about the producer’s compensation, except as otherwise provided by law.

Maryland Residents: The purchase of travel insurance would make the travel insurance coverage primary to any other duplicate or similar coverage. The Commissioner may be contacted to file a complaint at: Maryland Insurance Administration, ATTN: Consumer Complaint Investigation Property/Casualty, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202.

Texas Residents: Before deciding whether to purchase this insurance plan, you may wish to determine whether your own automobile insurance or credit card agreement provides you coverage for rental vehicle damage or loss and determine the amount of deductible under your own insurance coverage. The purchase of this insurance plan is not mandatory. This coverage is not all inclusive, which means it does not cover such things as personal injury, personal liability, or personal property. It does not cover you for damages to other vehicles or property. It does not cover you for any injury to any other party.

Plan charge includes the cost of insurance benefits and assistance services. See your Plan Details for more information, or call Allianz Global Assistance at 800-284-8300.

AGA Service Company dba Allianz Global Assistance (AGA) compensates their suppliers or agencies for allowing AGA to market or offer products to customers of the supplier or agency.

*Terms, conditions, and exclusions apply, including for pre-existing conditions. Plans may not be available to residents of all states. Insurance benefits are underwritten by either BCS Insurance Company or Jefferson Insurance Company, depending on insured’s state of residence. AGA Service Company is the licensed producer and administrator of these plans.

Car Insurance

Travel insurance, home insurance.

AA Membership

• Van Insurance
• Car Service
• EU Breakdown

Policy Documents

Select the AA Insurance Policy Booklet document that relates to the type of insurance you have:

• Policy Booklet (AXA, Allianz, Aviva & RSA)
• Liberty Policy Booklet
• Zurich Policy Booklet
• KennCo Unique Policy Booklet
• KennCo Choice Policy Booklet
• Personal Accident Booklet
• Legal Expenses Booklet
• Value Policy Booklet
• Essential Policy Booklet 
• Extra Policy Booklet
• Terms & Conditions. From 5th February 2024
• Terms & Conditions. From 1st October 2023 till 5th February 2024
• Terms & Conditions. From July 1st 2023 till 30th September 2023
• Terms & Conditions. From November 30th 2021 till June 30th 2023
• Terms & Conditions. From July 1st 2023
• Policy Booklet (Aviva & RSA)
• Liberty Home Insurance Policy Booklet
• Allianz Home Insurance Policy Booklet
• AXA Owner Occupied Standard & Value
• AXA Owner Occupied Privilege
• AXA Landlord
• AXA Holiday Home

Life Insurance

• Life Insurance With Aviva
• Life Insurance With Royal London

Mortgage Protection

• Mortgage Protection With Aviva
• Mortgage Protection With Royal London

European Breakdown Cover

• Policy Booklet
•   Policy Booklet

Emergency Home Rescue

Quick Links

• Make a claim
• Cancel Policy

International Comprehensive

Policy wording, for policies issued on or after 31 january 2024.

You should read this policy document before buying this travel insurance policy to make sure it is right for you. You will find full information about all the key benefits that are included with the International Comprehensive policy.

Download International Comprehensive policy document

Download International Comprehensive Covid-19 endorsement

This endorsement provides information about how events related to COVID-19 are covered by your policy. While you can use it to help you decide if this policy is right for you, you’ll need to read the rest of this endorsement and your policy document to understand what else you are — and are not — covered for.

For policies issued prior to 31 January 2024

• International Comprehensive policy document effective 16 March 2023
• International Comprehensive Covid-19 endorsement effective 16 March 2023
• TravelCare policy document effective 27 May 2021
• TravelCare Covid-19 endorsement effective 17 November 2021
• TravelCare Covid-19 endorsement effective 11 August 2021

• Travel insurance Compare our plans Popular benefits COVID-19 benefits International plans Domestic plans Comprehensive insurance Annual multi-trip Inbound plan Business Cruise Adventure activities Medical conditions
• Travel alerts Cover-More app
• Emergency assistance

Is our travel insurance right for you? Read the Cover-More Policy Wording

We want to cover you, not ourselves. Take a tour of the Cover-More travel insurance Policy Wording to find out if we have the cover you want for the trip you’ve got planned.

Everyone loves curling up with a good Policy Wording, right?

OK, maybe not, but the information this document contains is super important – especially when it comes to knowing whether our travel insurance is the best choice for your amazing holiday.

We know we’ve got great cover, but is it right for you?

Before you hit that big ol’ ‘buy’ button, you’ve got to read the relevant Policy Wording from top to toe. (We’re being serious.) It’s got everything you need to know to help you make a good decision when it comes to buying a policy from us.

If we’ve got the goods you’re looking for, you can either get a quote and buy a policy on this very website or call us on (0800) 500 225 during business hours to get one over the phone. Easy.

Already got yourself a Cover-More travel insurance policy? You can (re)read the relevant Policy Wording whenever you fancy it.

Our current plans (AKA the ones we’re selling right now):

You can download the Policy Wording for the plan you want to buy here.

Comprehensive+ (issued on or after 9pm NZST, 29 May 2024)

→ View the  Cover-More Policy Wording

This is our ‘more is more’ plan. (Yes, it’s a bit like ordering the ice cream sundae with all the trimmings.) That’s because it’s our most comprehensive travel insurance plan with our best benefits and highest benefit limits, plus a bunch of cover options to help you match your policy to your trip.

This plan is available for:

• Single trip policies
• Annual multi-trip policies
• International trips
• Domestic trips  

Good to know: This plan includes some COVID-19 benefits , because this virus is still lurking.

Comprehensive (issued on or after 9pm NZST, 29 May 2024)

This is our most popular plan, and for good reason: it offers more cover and higher benefit limits than our Basic plan, which means you can worry less. It provides all the essential cover you need, plus much more (including some great cover options).

Basic (issued on or after 9pm NZST, 29 May 2024)

This plan does what it says on the tin – it offers budget-friendly cover for the essentials. It’s our base-level travel insurance plan for value-conscious travellers, and has cover for the all-important basics. (Think: unexpected overseas medical costs and unforeseen additional expenses.)

Good to know: This plan includes some COVID-19 benefits , because this virus is still lurking.  

Inbound (issued on or after 9pm NZST, 29 May 2024)

Do you live outside of New Zealand and want to travel to New Zealand with our cover in tow? This is our comprehensive international plan designed for non-New Zealand residents who are travelling to and around New Zealand from an overseas destination.

Business*  (issued on or after 18 October 2023)

→ View the  Cover-More Business Policy Wording

Travel a lot for work? Lucky you! This is our travel insurance plan for business travellers (and their families who like to tag along and turn it into a ‘bleisure’ trip).

For more information or to buy this policy, please speak to our travel agent partners or call our team on (0800) 500 225 (You can’t buy it online.)

Got a policy that was issued before the ones above?

Keep scrolling… we’ve got a bunch of older Policy Wordings below for you to flick through.

For policies issues between 18 October 2023 and up to 9pm NZST, 29 May 2024, use this:

• Options Plan (Online)

For policies issued between 6 September 2023 and up to 9pm NZST, 29 May 2024, use this:

• Essentials Plan (Phone)
• Your Cover Plan (Phone)
• Essentials Plan (Online)

For policies issued between 9 September 2022 and 17 October 2023, use this:

• Business Plan - Individual Travellers (Phone)

For policies issued between 27 July 2022 and 17 October 2023, use this:

• Options Plan - Comprehensive (Online)

For policies issued between 27 July 2022 and 5 September 2023, use this:

• YourCover Plan (Phone)

For policies issued between 26 April 2022 and 5 September 2023, use this:

For policies issued between 27 july and 8 september 2022, use this:.

• Business Plan – Individual Travellers (Phone)

For policies issued between 27 April and 26 July 2022, use this:

• Options Plan – Comprehensive (Online)
• Essentials Plan – Budget (Online)
• YourCover Plan – Premium (Phone)
• Essentials Plan – Budget (Phone)

For policies issued between 9 February and 26 April 2022, use this:

• Essentials Plan – Budget (Online)

Did you buy one of our travel insurance policies before 26 April 2022 and want to get your hands on a copy of the  Policy Wording? Our customer service team can help – call us on  (0800) 500 225.

Ready to plan, pack, and go?!

Choose the right travel insurance for you, today.   

*Our Business product is currently available only through our agents or by calling our customer service centre on (0800) 500 225. 

Any advice is general advice only. Consider the Policy Brochure and wording therein before deciding to buy this product.