Side-by-side · Policy wordings checked on 30 September 2026
AA vs Cover-More Travel Insurance
AA Travel Insurance and Cover-More have the same insurer and administrator, but they are sold under separate policy wordings with different plans and limits. This page puts the two wordings side by side so you can see where they differ and which page to read.
We do not pick a winner or say which suits you — that depends on your trip, travellers, health and activities. Nothing here is a recommendation.
The two wordings, term by term
Each cell summarises the wording and links to the page. Limits, sub-limits, conditions and exclusions apply to every benefit.
| Term | AA Travel Insurance | Cover-More |
|---|---|---|
| Insurer | Zurich Australian Insurance Limited trading as Zurich New Zealand. Cover-More (NZ) Limited acts on behalf of the insurer; the New Zealand Automobile Association promotes and distributes the policy.Source: AA wording (1 Dec 2025), p.3, 24 | Zurich Australian Insurance Limited trading as Zurich New Zealand. Cover-More (NZ) Limited arranges the insurance and acts on behalf of the insurer.Source: Cover-More wording (14 Jan 2026), p.22 |
| Plans | International Comprehensive, International Essentials (each Single Trip or Annual Multi-Trip), Domestic, Domestic Cancellation.Source: AA wording (1 Dec 2025), p.4 | International Basic (Single Trip only), Comprehensive and Comprehensive+ (Single Trip or Annual Multi-Trip); Domestic Basic, Comprehensive and Comprehensive+; Inbound.Source: Cover-More wording (14 Jan 2026), p.3–8 |
| Overseas medical expenses | Unlimited on both international plans, for no more than 12 months from onset.Source: AA wording (1 Dec 2025), p.4 | Unlimited on all three international plans, for no more than 12 months from onset.Source: Cover-More wording (14 Jan 2026), p.3 |
| Cancellation | You choose the amount. Essentials automatically includes $2,000 and Comprehensive $5,000; higher amounts can be chosen.Source: AA wording (1 Dec 2025), p.9 | International plans: you choose an amount from the options available; it applies per policy.Source: Cover-More wording (14 Jan 2026), p.3, 10 |
| Excess | You can choose the excess when travelling internationally.Source: AA wording (1 Dec 2025), p.9 | You can choose the excess when travelling internationally.Source: Cover-More wording (14 Jan 2026), p.10 |
| Rental vehicle insurance excess | International Comprehensive $10,000; International Essentials no cover; Domestic $10,000.Source: AA wording (1 Dec 2025), p.4, 6 | International Basic no cover; Comprehensive $5,000; Comprehensive+ $10,000.Source: Cover-More wording (14 Jan 2026), p.3 |
| Pre-existing medical conditions | Excluded unless automatically included (list in the wording) or approved after an online health assessment.Source: AA wording (1 Dec 2025), p.17–20 | Excluded unless approved. Conditions are grouped as cannot be covered, automatically included (list in the wording), or needing an online health assessment.Source: Cover-More wording (14 Jan 2026), p.16–17 |
| Motorcycles and mopeds | Riding up to and including 250cc included on International Comprehensive, International Essentials and Domestic; unlimited engine capacity is an add-on on International Comprehensive and Domestic.Source: AA wording (1 Dec 2025), p.11, 15 | Automatically included at 250cc or less if the conditions are met; Riding+ option for larger engines.Source: Cover-More wording (14 Jan 2026), p.15 |
| Snow sports | Not covered unless you add Snow Sports or Snow Sports Plus (Snow Sports Plus not available on Essentials).Source: AA wording (1 Dec 2025), p.16 | Excluded unless you pay an additional premium for Snow Sports or Snow Sports+.Source: Cover-More wording (14 Jan 2026), p.15 |
| Cruises | Cruise cover must be added, for an extra premium, for a sea or ocean cruise of two or more nights.Source: AA wording (1 Dec 2025), p.10–11 | Cruise cover available on the International and Inbound plans for an extra premium.Source: Cover-More wording (14 Jan 2026), p.11 |
| Membership discount | AA says AA Members can get 10% off new AA Travel Insurance policies; the discount applies to the total premium.Source: aa.co.nz travel insurance | The Cover-More wording does not describe a membership discount.Source: Cover-More wording (14 Jan 2026) |
If you hold an older AA policy
AA changed insurer on 1 December 2025. AA's policy wording page says the current wording applies if your policy number starts with 8; older policies were issued by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by Mitsui Sumitomo Insurance Company, Limited, under a different wording that is still linked on that page.Source: aa.co.nz policy wording page
How to compare the two for your trip
- Match plan levels first: AA's Essentials/Comprehensive and Cover-More's Basic/Comprehensive/Comprehensive+ are not direct equivalents.
- Quote both with the same travellers, dates, destination, excess and cancellation amount.
- Check each existing medical condition against both wordings' automatically-included lists, and complete the health assessment where needed.
- Add the options you need (snow, cruise, adventure, larger motorcycles) to both quotes before comparing.
- Read the general exclusions in each wording.
Frequently asked questions
Are AA Travel Insurance and Cover-More the same policy?
No. Both are insured by Zurich Australian Insurance Limited trading as Zurich New Zealand and administered by Cover-More (NZ) Limited, but each has its own policy wording with different plans and limits — for example, rental vehicle insurance excess and the way cancellation cover is set.
When did AA Travel Insurance move to Zurich and Cover-More?
AA says policies issued from 1 December 2025 are issued and underwritten by Zurich and administered by Cover-More. Policies issued before then were issued by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by Mitsui Sumitomo Insurance Company, Limited.
Which one is cheaper?
We do not publish price comparisons. Premiums depend on the travellers, trip, plan, excess, cancellation amount and options you choose, so compare quotes for the same cover on the day you buy.
Sources
- AA Travel Insurance policy wording (effective 1 December 2025)
- AA Travel Insurance policy wording page, aa.co.nz
- AA Travel Insurance, aa.co.nz
- Cover-More New Zealand Travel Insurance Policy Wording (effective 14 January 2026)
Checked on 30 September 2026. Insurers change their wordings; the document on the insurer's site at the time you buy is the one that applies. This page is general information, not financial advice.