Already with AMI? Take 10% off your travel insurance.*

*Use promo code AMICUST

Discount applies to existing AMI customers and to premiums for the standard policies net of Government levies and GST (if applicable). Discounts do not apply to premiums for cover additional to standard policies or to any minimum premium.

Great options to suit your travel within New Zealand or overseas

Overseas cover & annual multi-trip cover

Our overseas travel covers medical, dental and hospital treatment*, lost luggage, and personal liability, and can get you and your family home in certain emergencies.

Travel a lot? Take out our annual multi-trip option and you’re covered for as many trips as you like, for 12 months.**

Domestic Cover

If your plans while travelling in New Zealand change unexpectedly, we can cover the cost of cancelling or amending your flight, accommodation or rental car bookings and other expenses, up to $10,000.

Inbound Cover - Visiting NZ

Are you a non-resident visiting friends and family in NZ, or on a working holiday? Our Inbound plan can cover medical and dental expenses, luggage and travel documents, rental vehicle insurance excess, personal liability and more!

Travel Cover During Covid-19

Planning an adventure? Check out our scenario-based FAQs explaining how we could cover you if Covid-19 plays havoc with your trip: AMI Travel Cover and Covid-19 FAQs

Find out before you go – our Covid-19 Benefits Destination Guide explains how AMI Travel cover applies when travelling to different international destinations: Covid-19 Benefits Destination Guide

*Medical cover will not exceed 12 months from onset. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to the Inbound Plan.
**For 12 months, over 100km from home, including domestic travel, up to maximum number of days as selected by you.

Still unsure? Ask us a question

Compare our Travel Cover Plans

Select

International

International

Single Trip or Annual Multi-Trip
Maximum benefit limits (per adult) unless stated otherwise

Medical and dental expenses
$Unlimited*

Up to $1,500 for emergency dental expenses

Additional expenses
$Unlimited
Amendment or cancellation costs
Cover chosen^
Luggage and travel documents
Up to $25,000•
Delayed luggage allowance
Up to $1,500
Money
Up to $500
Rental vehicle insurance excess
Up to $10,000
Travel delay
Up to $2,000
Resumption of journey
Up to $5,000
Missed connections
Up to $3,000
Special events
Up to $2,000
Hospital incidentals
Up to $8,000
Hijacking
Up to $8,000
Loss of income
Up to $9,000~

Up to $1,000 per month

Disability
Up to $15,000~
Accidental death
Up to $15,000~
Legal expenses
Up to $10,000
Personal liability
Up to $2,500,000

Domestic

Domestic

Single Trip or Annual Multi-Trip
Maximum benefit limits (per adult) unless stated otherwise

Medical and dental expenses
Up to $1,500*
Additional expenses
Up to $10,000
Amendment or cancellation costs
Up to $10,000
Luggage and travel documents
Up to $5,000•
Delayed luggage allowance
Money
Rental vehicle insurance excess
Up to $10,000

Up to $2,500 for personal vehicle insurance excess

Travel delay
Up to $750
Resumption of journey
Missed connections
Up to $3,000
Special events
Up to $2,000
Hospital incidentals
Hijacking
Loss of income
Up to $2,250~

Up to $250 per month

Disability
Up to $10,000~
Accidental death
Up to $10,000~
Legal expenses
Up to $5,000
Personal liability
Up to $200,000

Domestic Cancellation

Domestic Cancellation

Single Trip Maximum benefit limits (per person)

Medical and dental expenses
Additional expenses
Cover chosen

(Choose the amount of cover that suits, on a per person basis) #

Amendment or cancellation costs
Cover chosen

(Choose the amount of cover that suits, on a per person basis) #

Luggage and travel documents
Delayed luggage allowance
Money
Rental vehicle insurance excess
Travel delay
Resumption of journey
Missed connections
Special events
Hospital incidentals
Hijacking
Loss of income
Disability
Accidental death
Legal expenses
Personal liability

Policy benefits

Policy benefits

International

International

Single Trip or Annual Multi-Trip
Maximum benefit limits (per adult) unless stated otherwise

Domestic

Domestic

Single Trip or Annual Multi-Trip
Maximum benefit limits (per adult) unless stated otherwise

Domestic Cancellation

Domestic Cancellation

Single Trip Maximum benefit limits (per person)

Medical and dental expenses
$Unlimited*

Up to $1,500 for emergency dental expenses

Up to $1,500*
Additional expenses
$Unlimited
Up to $10,000
Cover chosen

(Choose the amount of cover that suits, on a per person basis) #

Amendment or cancellation costs
Cover chosen^
Up to $10,000
Cover chosen

(Choose the amount of cover that suits, on a per person basis) #

Luggage and travel documents
Up to $25,000•
Up to $5,000•
Delayed luggage allowance
Up to $1,500
Money
Up to $500
Rental vehicle insurance excess
Up to $10,000
Up to $10,000

Up to $2,500 for personal vehicle insurance excess

Travel delay
Up to $2,000
Up to $750
Resumption of journey
Up to $5,000
Missed connections
Up to $3,000
Up to $3,000
Special events
Up to $2,000
Up to $2,000
Hospital incidentals
Up to $8,000
Hijacking
Up to $8,000
Loss of income
Up to $9,000~

Up to $1,000 per month

Up to $2,250~

Up to $250 per month

Disability
Up to $15,000~
Up to $10,000~
Accidental death
Up to $15,000~
Up to $10,000~
Legal expenses
Up to $10,000
Up to $5,000
Personal liability
Up to $2,500,000
Up to $200,000

This is only a summary of benefits provided. Please refer to AMI Travel Policy Wording for full details of the cover provided. Please read the entire document carefully to understand what this policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply.

Specific terms, conditions and exclusions apply to Covid-19. See the policy wording for the most up to date information.

* Cover will not exceed 12 months from the onset of the illness or injury. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to our Inbound Plan.
^ Cover chosen applies per policy. See the policy wording.
• Item limits apply for any one item, set or pair of items including attached or unattached accessories. You may increase these item limits if you wish. See the policy wording.
# If you or your travelling companion are diagnosed with Covid-19 by a qualified medical practitioner and are unable to travel, you can claim cancellation or amendment costs for your prepaid trip up to a benefit limit of $10,000 per policy on an international Plan or $5,000 per policy on a Domestic Plan or if applicable, up to the level of cover purchased for cancellation (whichever is lower). There is also no cover if symptoms or diagnosis occurred prior to buying your policy.
~ The maximum liability collectively 14, 15, and 16 is $15,000 International Plan, and $10,000 on a Domestic Plan

This is only a summary of the benefit provided. Please refer to the policy wording. For details of the cover provided. Please read the entire document carefully to understand what the relevant policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply, and this summary of benefits table may change at any time.

Before you travel

Travel tips

Our team of intrepid Kiwi travellers has come up with a list of handy travel tips to help make your holiday even better.

Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply.

AMI Travel insurance is administered by Cover-More NZ Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. For further information see Zurich New Zealand's financial strength rating.

Any advice is general advice only. Consider the AMI Travel Policy Brochure and wording therein before deciding to buy this product. IAG receives a commission for the issue of AMI branded travel policies arranged through Cover-More (NZ) Limited ("Cover-More").

IAG New Zealand Limited ("IAG"), of which AMI is a business division, is not the insurer. IAG does not guarantee Zurich New Zealand or Cover-More.