AA Travel Insurance
Travel insurance promoted by the New Zealand Automobile Association, administered by Cover-More (NZ) Limited and underwritten by Zurich.
Who provides this policy
Read from the insurer's own website and the Financial Service Providers Register on 30 September 2026.
- Issuer and underwriter
“AA Travel Insurance policies are issued and underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640) trading as Zurich New Zealand, distributed, arranged and administered by Cover-More (NZ) Limited (NZBN: 9429038789373: FAP FSP26184), and promoted and distributed by The New Zealand Automobile Association (Incorporated).”
source: aa.co.nz- FSP registration
- FSP26184 — Zurich Australian Insurance Limited (trading as Zurich New Zealand) source: fsp-register.companiesoffice.govt.nz
- FSP39781 — Cover-More (NZ) Limited source: fsp-register.companiesoffice.govt.nz
- FSP41189 — The New Zealand Automobile Association Incorporated source: fsp-register.companiesoffice.govt.nz
- Official website
- aa.co.nz/insurance/travel-insurance
- Phone
- 0800 808 203source: aa.co.nz
- Policy wording
- AA Travel Insurance policy wording
- The AA page prints "FAP FSP26184" next to Cover-More (NZ) Limited. On the FSP register, FSP26184 belongs to Zurich Australian Insurance Limited; Cover-More (NZ) Limited is FSP39781. source: fsp-register.companiesoffice.govt.nz
Insurer profile · Policy details checked against the published wording on 30 September 2026
AA Travel Insurance: Who Issues It and What the Policy Wording Says
This page summarises AA Travel Insurance from the documents AA and its insurer publish. It does not rate the product or say whether it suits you — we do not rank insurers. The policy wording is the contract, so use this page to know what to look for, then read the relevant sections of the wording yourself.
Who issues AA Travel Insurance
For policies issued from 1 December 2025, AA Travel Insurance is issued and underwritten by Zurich Australian Insurance Limited trading as Zurich New Zealand. It is distributed, arranged and administered by Cover-More (NZ) Limited, and promoted and distributed by The New Zealand Automobile Association (Incorporated).Source: AA Travel Insurance policy wording page, aa.co.nzSource: AA Travel Insurance policy wording (effective 1 December 2025), p.3, 24
AA changed insurer on that date. Policies issued before 1 December 2025 were issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by Mitsui Sumitomo Insurance Company, Limited, under a different wording. AA's policy wording page says the current wording applies if your policy number starts with 8. If you hold an older policy, the older wording on that page is the one that applies to you.Source: AA Travel Insurance policy wording page, aa.co.nz
The same insurer and administrator (Zurich and Cover-More) also sell travel insurance under the Cover-More brand, but AA's wording is a separate document with its own plans and limits. Do not assume the two policies are identical.
Key terms in the current policy wording
Each row is a short summary of what the wording says, with the page to read. Limits, sub-limits, conditions and exclusions apply to every benefit.
| Term | What the wording says |
|---|---|
| Plans | Four plans: International Comprehensive, International Essentials, Domestic and Domestic Cancellation. The international plans are sold as Single Trip or Annual Multi-Trip.Source: AA Travel Insurance policy wording (effective 1 December 2025), p.4 |
| Overseas medical expenses | Unlimited on both International Essentials and International Comprehensive. Cover is for no more than 12 months from the onset of the illness, condition or injury.Source: AA Travel Insurance policy wording (effective 1 December 2025), p.4 |
| Cancellation | You choose the amount of cancellation cover. International Essentials automatically includes $2,000 and International Comprehensive $5,000; you can choose a higher amount.Source: AA Travel Insurance policy wording (effective 1 December 2025), p.9 |
| Excess | When travelling internationally you can choose the excess. The premium may be higher if you choose not to have an excess. The wording does not print a standard excess amount — it is shown in the quote and on your Certificate of Insurance.Source: AA Travel Insurance policy wording (effective 1 December 2025), p.9 |
| Rental vehicle insurance excess | $10,000 on International Comprehensive and on Domestic. No cover on International Essentials.Source: AA Travel Insurance policy wording (effective 1 December 2025), p.4, 6 |
| Pre-existing medical conditions | Excluded unless the condition is automatically included (a list in the wording) or approved by the insurer after an online health assessment.Source: AA Travel Insurance policy wording (effective 1 December 2025), p.17–20 |
| Snow sports | Not covered unless you add Snow Sports or Snow Sports Plus and pay the extra premium. On International Essentials, Snow Sports is available but Snow Sports Plus is not.Source: AA Travel Insurance policy wording (effective 1 December 2025), p.16 |
| Cruises | For a cruise of two or more nights on a sea or ocean you must add Cruise cover and pay an extra premium. Cruise cover is available on the international plans.Source: AA Travel Insurance policy wording (effective 1 December 2025), p.10–11 |
The AA Member discount
AA says AA Members can get a 10% discount on new AA Travel Insurance policies by giving a valid AA Membership number when they apply, and that the discount applies to the total premium.Source: AA Travel Insurance, aa.co.nz
A percentage discount tells you nothing about how the final price compares with another insurer's quote for the same trip. If you are comparing, get quotes with the same travellers, dates, destinations, excess and cancellation amount, and compare what each plan covers as well as the total premium.
What to check in the wording before you buy
- Which plan you are quoted. International Essentials and International Comprehensive have different limits — for example, rental vehicle insurance excess is covered on Comprehensive but not on Essentials.
- Your existing medical conditions. Check whether each condition is on the automatically included list; if not, complete the health assessment and keep the outcome with your policy.
- Activities you plan to do. Snow sports, cruises and some adventure activities need an option added and an extra premium. Motorcycle and moped cover has its own conditions.
- The excess and cancellation amount you choose. Both are set when you buy and appear on your Certificate of Insurance.
- The general exclusions. Read them in full — they apply to every section of the policy.
See how other New Zealand travel insurers set out the same terms, or ask for help with a quote.
What to check in the AA Travel Insurance wording
SafeTravel, the Government's travel advice service, recommends checking that a policy covers the activities you have planned, your destinations and the needs of everyone travelling (SafeTravel — Travel insurance). These are the points worth comparing between any two policies:
| Feature to check | Where to find it in the wording | Why it matters |
|---|---|---|
| Overseas medical and evacuation | Table of benefits; the overseas medical and emergency expenses section | Treatment and evacuation overseas can be expensive, and the New Zealand Government will not pay these costs (SafeTravel). Check whether the limit is stated as a dollar amount or unlimited, and any sub-limits. |
| Pre-existing medical conditions | Pre-existing conditions section, and the insurer's medical assessment process | Some conditions may be covered automatically, some need an assessment and some are excluded. An undeclared condition can put a claim at risk. |
| Cancellation and amendment | Cancellation section and the list of covered reasons | Only the reasons listed are covered, usually only for events after you bought the policy. Check the limit against what you have prepaid. |
| Excess | Schedule / certificate of insurance and the excess clause | The amount you pay towards each claim. A higher excess usually lowers the premium, and some sections may carry their own excess. |
| Luggage and personal items | Luggage section; item and category limits in the table of benefits | Per-item limits are often much lower than the section total. Phones, cameras and jewellery may have their own limits or conditions. |
| Activities and sports | Activities list, general exclusions, and any add-on options | SafeTravel advises buying a policy that covers the activities you have planned. Skiing, diving, scooter or motorbike riding and cruises often have conditions or need an add-on. |
| Destinations and travel advisories | Region definitions on the schedule; general exclusions | Many policies will not cover travel to countries or regions SafeTravel advises against visiting. The region on your quote must match your trip. |
| Age and trip-length limits | Eligibility section; annual multi-trip conditions | Insurers set their own maximum ages and trip lengths, which can differ by plan. |
| Rental vehicle excess | Rental vehicle section (sometimes an option) | Covers the excess charged by a rental company after damage or theft, within the policy's conditions. |
| General exclusions | General exclusions section | Applies across the whole policy — for example alcohol or drug-related events, unlicensed driving, or known events at the time you bought cover. |
Frequently Asked Questions
Who issues and underwrites AA Travel Insurance?
For policies issued from 1 December 2025, AA Travel Insurance is issued and underwritten by Zurich Australian Insurance Limited trading as Zurich New Zealand, and arranged and administered by Cover-More (NZ) Limited. The New Zealand Automobile Association promotes and distributes it. Policies issued before that date were issued by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by Mitsui Sumitomo Insurance Company, Limited. The insurer's own website states: "AA Travel Insurance policies are issued and underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640) trading as Zurich New Zealand, distributed, arranged and administered by Cover-More (NZ) Limited (NZBN: 9429038789373: FAP FSP26184), and promoted and distributed by The New Zealand Automobile Association (Incorporated)."
Where can I read the AA Travel Insurance policy wording?
The insurer publishes it at https://www.aa.co.nz/insurance/travel-insurance/policy-wording/. The policy wording, together with your certificate of insurance, sets out exactly what is covered, the limits and excesses, and the exclusions. Read it before you buy, and check that the version matches the date you are buying.
How do I contact AA Travel Insurance?
The insurer's website lists 0800 808 203. Its website is https://www.aa.co.nz/insurance/travel-insurance/. For emergencies while travelling, use the emergency assistance number printed in your policy documents.
Is this page a recommendation of AA Travel Insurance?
No. This page is general information about who provides the policy and where to read its wording. To request a quote through this site, use the quote form: your details go to Evolve Group Limited (FSP711891), who will contact you.
Do AA Members get a discount on travel insurance?
AA says AA Members can get a 10% discount on new AA Travel Insurance policies by providing a valid AA Membership number at the time of purchase, and that the discount applies to the total premium.
Does AA Travel Insurance cover pre-existing medical conditions?
The policy wording excludes existing medical conditions unless the condition is on the automatically included list or is approved by the insurer after an online health assessment. Read the list and the assessment section in the wording before you buy.
Is overseas medical cover unlimited on AA Travel Insurance?
The policy wording shows overseas medical expenses as unlimited on both international plans, with cover for no more than 12 months from the onset of the illness, condition or injury. Exclusions and conditions in the wording still apply.
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
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.
Request a quote
This page is general information about who provides AA Travel Insurance; it is not a recommendation. To request a quote, send your trip details through the quote form; they go to Evolve Group Limited (FSP711891), who will contact you.