We've got your back when you travel in New Zealand.
Important information regarding your travel
insurance click here
Great options to suit your domestic travel
Make the most out of your trip knowing you are covered for the unexpected.
Rental Car Insurance Excess
Our Domestic Plan D automatically provides up to $4,000 cover to pay for your rental insurance excess if stolen or damaged, whether it be for a car or campervan.
24/7 Emergency Assistance
You have access to our emergency assistance team. They will ensure you are safe, well, and can keep travelling.
Luggage Cover
**For 12 months, over 250km from home, including domestic travel, up to maximum number of days per journey.
Still unsure? Ask us a question
Compare our Domestic Travel Cover Plans
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Medical and dental expenses
Up to $1,500
$Unlimited+* -
Additional expenses
Up to $10,000Cover chosen(Choose the amount of cover that suits, on a per person basis) #$Unlimited+ ° -
Amendment or cancellation costs
Up to $10,000Cover chosen(Choose the amount of cover that suits, on a per person basis) #Cover chosen+^ -
Luggage and travel documents
Up to $5,000•
Up to $25,000• -
Camera and video cameras
Up to $500
Up to $3,000 -
Laptop and tablet computers
Up to $500
Up to $3,000 -
Other items
Up to $500
Up to $1,500 -
Delayed luggage allowance
Up to $1,500 -
Money
Up to $500 -
Rental car insurance excess
Up to $4,000
Up to $10,000 -
Travel delay
Up to $750
Up to $2,000 -
Resumption of journey
Up to $5,000 -
Hospital incidentals
Up to $8,000 -
Hijacking
Up to $8,000 -
Loss of income
Up to $2,250~(up to $250 per month)
Up to $9,000 +~
(up to $1,000 per month) -
Disability
Up to $10,000~
Up to $15,000+~ -
Accidental death
Up to $10,000~
Up to $15,000+~ -
Legal expenses
Up to $5,000
Up to $10,000 -
Personal liability
Up to $200,000
up to $2,500,000
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.
* 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 Plan I, inbound area.
+ For customers 70 years or over reduced maximum limits may apply. Limits will be shown
on the Certificate of Insurance.
^ Cover chosen applies per policy. See the policy
wording.
• Item limits apply. See the policy wording.
# Cover chosen applies per person. See the policy
wording.
~ The maximum liability collectively for Sections 12. Loss of income, 13. Disability and
14. Accidental death, shall not exceed $10,000 on Plan D and
$15,000 on Inbound Plan.
° Limits apply to Section 2. Additional expenses, Part 6 sub-sections 2 and 6f. See the
policy wording.
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.
Types of domestic travel insurance
The Domestic Plan D provides comprehensive travel insurance designed for domestic travel. Customise the plan to best suit you. You can add-on protection for winter sports or increase your luggage limits.
If you have a tight budget, the Domestic Cancellation Plan C offers basic travel insurance. This can protect you against the loss of pre-paid deposits and cancellation fees.
See our FAQ'sTravel New Zealand with Domestic Comprehensive Plan D
Rental Car Insurance Excess
Our Domestic Plan D automatically provides up to $4,000 cover to pay for your rental insurance excess if stolen or damaged, whether it be for a car or campervan.
Travel Delay
If you get stuck on your holiday due to bad weather, it can be stressful. We can provide you with up to $750 compensation if you’re delayed for more than six hours.
Luggage Cover
Did you arrive at your destination, but your luggage didn’t? We can cover your luggage in the event of loss or theft for up to $5,000. If you have expensive gear, you can get extra cover for specified items.
Cover for winter sports
Dust off your skis or board and hit the slopes this winter. Select Winter Cover as an add on to your policy and remember to stay on-piste.
Cancellation
Need to cancel your trip within New Zealand for an unexpected reason? We can cover amendment and cancellation costs up to $10,000.
Adventure Activities
Are you an adrenaline junkie? Our policy automatically covers you for bungy jumping, jet boating, kayaking, horse riding, white water rafting and more!
24/7 Emergency Assistance
You have access to our emergency assistance team. They will ensure you are safe, well, and can keep travelling.
15-day money back guarantee
You can cancel your policy within 15 working days and get a 100% refund. As long as you haven’t made a claim or departed on your journey.
Personal Liability
Protection if you’re unintentionally legally liable to pay compensation for property damage, or injury to someone else.
Quick and easy claims We're here for you if something disrupts your trip. Save time and submit your claim online.
Make an online claimAMI Travel Insurance Domestic Cover FAQs
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Why buy AMI Domestic Cover
More than one third of domestic travellers experience an unexpected circumstance that can leave them out of pocket.
It doesn’t matter if you were travelling to Auckland or Amsterdam, if your child becomes unwell and you need to cancel your trip, it’s good to know you’re covered.
Here are some examples of real-life stories- An airline lost a customer's suitcase and the items were not recoverable Luggage Value: $2,500
- A customer’s rental car was written off after a third-party collision, Rental Car Insurance Excess: $4,000.
Here are some examples of types of claims
Medical claims*
- Sprained limbs or broken arm, leg, wrist due to outdoor activities
- Asthma, seizure, stroke, heart attack
- Swimmers ear/ ear infection.
*Pre-existing medical conditions must be declared, and extra cover purchased prior to departure
Your cancellation costs prior to travel- Prepaid deposits on motorhome rentals, scenic train or ferry tickets
- Prepaid fares for rail trips, adventure holidays and cruises
- Costs for cancellation due to redundancy, illness, injury and medical operations.
Note: Cancellation prior to departure will result in the loss of deposits paid and in other instances full cancellation fees often apply.
Delayed travel- Travel delays due to weather ie/ snowstorms and fog delaying connecting flights.
- Broken cameras, smartphones and electronic items
- Lost spectacles, hearing aids and damaged dentures.
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What activities are covered?
There's plenty of fun activities to do around New Zealand year round, and we have a comprehensive list of activities which are covered.
Our plans automatically include:- Abseiling
- Archery
- Ballooning
- Bungy Jumping
- Flying Fox
- Horse Riding
- Jet Boating
- Jet Skiing
- Kayaking
- Paragliding
- Parasailing
- Snorkelling
- White Water Rafting.
Other activities may be covered as an add on to your policy. See our AMI Travel Policy for full details.
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What cover is available for Skiing and
Snowboarding?
Because being on the snow and participating in winter sports activities often increases the risk of injuries or incidents, you’ll need to ensure you upgrade or amend your travel insurance policy to include snow activities like skiing and snowboarding.
If you are a New Zealand citizen ACC may cover some costs due to injury.
Purchasing a specialised winter sports travel insurance policy can help protect you against unforeseen costs should you have a mishap on the slopes and need medical assistance.
Skiing and Snowboarding can be covered at extra cost under Domestic Plan D, and Inbound Plans.
You will only be covered if:- You are skiing or snowboarding on-piste
- You are not racing
- You are not participating in a professional capacity
Note: sporting and ski equipment are not covered whilst in use.
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What if I travel frequently in NZ, do you have a multi-trip option?
Multi-trip travel insurance may save you time and money. If you are planning to travel more than twice this year and for no longer than 30 days at a time within New Zealand, consider our Domestic Plan D Annual Multi-Trip Policy.
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Can you explain the rental car excess?
This benefit only covers the rental car excess if your rental car is stolen, or damaged while you are driving, you still need to take out rental car insurance.
Our Domestic Plan D includes a $4,000 rental car excess cover, which can save you money if you need to make a claim.
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What does the medical cover provide for?
Our Domestic Plan D* can provide you with cover for unexpected medical and dental expenses up to $1,500. This is for treatment provided in New Zealand.
On the Inbound plan medical and dental cover is unlimited.
It only applies up to 12 months from when you suffered a disabling injury, sickness or disease. Travel insurance protects you from unforeseen events. Routine medical or dental treatments, prenatal visits and continuation of treatments are not covered.
*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 Plan I, Inbound Plan
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What existing medical conditions are covered?
We automatically cover a range of existing medical conditions (EMC) - including asthma, epilepsy, gastric reflux and more! Read the AMI Travel Policy Wording for a full list of the conditions we automatically cover. If your existing medical conditions are not all automatically covered, you may complete an online medical assessment to determine if cover is available. Other travel insurance benefits unrelated to your EMC still apply, even if cover cannot be provided for your specific condition/s.
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Are there restrictions due to Covid-19 for Domestic Cover?
See https://www.ami.co.nz/hub/covid19 for the most up to date information.
Where are you going?
Worldwide including the Americas, the Caribbean and Antarctica: Antarctica (Cruising), Antigua and Barbuda, Argentina, Bahamas, Barbados, Belize, Bermuda, Bolivia, Brazil, Canada, Cayman Islands, Chile, Colombia, Costa Rica, Cuba, Dominica, Dominican Rep, Ecuador, El Salvador, Falkland Islands, French Guiana, Greenland, Grenada, Guadeloupe, Guatemala, Guyana, Haiti, Honduras, Jamaica, Martinique, Mexico, Netherlands Antilles, Nicaragua, Panama, Paraguay, Peru, Puerto Rico, St. Kitts and Nevis, St. Lucia, St. Vincent and Grenadines, Suriname, Trinidad and Tobago, United States of America, Uruguay, Venezuela, Virgin Islands.
Africa, Middle East, Indian Sub-Continent and Asia (other): Afghanistan, Algeria, Angola, Azores, Azerbaijan, Bahrain, Bangladesh, Benin, Bhutan, Botswana, Burkina Faso, Burundi, Cameroon, Canary Islands, Cape Verde, Chad, China, Central African Republic, Comoros, Congo (Dem. Rep), Djibouti, Egypt, Eritrea, Ethiopia, Equatorial Guinea, Gabon, Gambia, Ghana, Guinea, Guinea Bissau, India, Israel, Iran, Iraq, Ivory Coast, Jordan, Kazakhstan, Kenya, Korea (north), Korea (south), Kuwait, Kyrgyzstan, Lebanon, Lesotho, Liberia, Libya, Macau, Madagascar, Mauritius, Mauritania, Mozambique, Maldives, Malawi, Mali, Mongolia, Morocco, Namibia, Nepal, Nigeria, Niger, Oman, Pakistan, Qatar, Reunion, Rwanda, São Tomé and Príncipe, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, South Korea, South Sudan, Sri Lanka, Sudan, Swaziland, Syria, Taiwan, Tajikistan, Tanzania, Togo, Tunisia, Turkey, Turkmenistan, Uganda, United Arab Emirates, Uzbekistan, Yemen, Zambia, Zimbabwe.
Europe: Albania, Andorra, Armenia, Austria, Belarus, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Herzegovina, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Maderia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, Vatican City.
UK: Channel Islands, England, Northern Ireland, Scotland, United Kingdom, Wales.
South East Asia, Hong Kong, Japan: Brunei, Cambodia, East Timor, Federated States of Micronesia, Guam, Marshall Islands, Micronesia, Hong Kong, Indonesia, Japan, Kiribati, Laos, Malaysia, Myanmar (Burma), Nauru, Northern Marianas, Palau, Papua New Guinea, Philippines, Singapore, Thailand, Vietnam
South Pacific and Norfolk Island: Cook Islands, Fiji, French Polynesia, New Caledonia, Niue, Norfolk Island, Samoa, Solomon Islands, Tokelau, Tonga, Tuvalu, Vanuatu, Western Samoa.
Australia
New Zealand Only: New Zealand domestic travel
New Zealand Inbound Travellers: New Zealand
Dates of Travel
Departure date (Travel start date)
Single Trip - The date you depart New Zealand
Cover under the Amendment or Cancellation Costs benefit begins from the time you buy your policy. Cover under all other sections begins from the Travel Start Date you select.
Annual Multi-Trip - The date your policy will commence
Cover under the Amendment or Cancellation Costs benefit begins from the time you buy your policy. For further information, we recommend you read the definition of "Relevant Time" in the Policy Wording.
Return date - (Travel end date)
Single Trip - The date you return to your home
Cover under the Amendment or Cancellation Costs benefit begins from the time you buy your policy. Cover under all other sections begins from the Travel Start Date you select.
Annual Multi-Trip
Regardless of what you enter as the Return date, you will be quoted for a 12 month Annual Multi-Trip policy.
For further information we recommend that you read the definition of "Relevant Time" in the Policy Wording.
Traveller Details
Age of each traveller at issue date
Simply enter the age of each traveller including children.
Only use as many boxes as you have travellers.
Do all travellers live in New Zealand?
New Zealand resident travellers are able to purchase Travel Insurance policies from us to any area of travel and any country/destination.
Non-New Zealand resident travellers are only able to purchase a Travel Insurance policy if travelling inbound to New Zealand.
For Non-New Zealand resident travellers wanting to purchase Travel Insurance to travel to any other part of the world other than travel to New Zealand, please contact us as we may still be able to offer cover to you.