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.
You have access to our emergency assistance team. They will ensure you are safe, well, and can keep travelling.
Still unsure? Ask us a question
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'sOur 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.
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.
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.
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.
Need to cancel your trip within New Zealand for an unexpected reason? We can cover amendment and cancellation costs up to $10,000.
Are you an adrenaline junkie? Our policy automatically covers you for bungy jumping, jet boating, kayaking, horse riding, white water rafting and more!
You have access to our emergency assistance team. They will ensure you are safe, well, and can keep travelling.
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.
Protection if you’re unintentionally legally liable to pay compensation for property damage, or injury to someone else.
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 storiesHere are some examples of types of claims
Medical claims*
*Pre-existing medical conditions must be declared, and extra cover purchased prior to departure
Your cancellation costs prior to travelNote: Cancellation prior to departure will result in the loss of deposits paid and in other instances full cancellation fees often apply.
Delayed travelThere'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:Other activities may be covered as an add on to your policy. See our AMI Travel Policy for full details.
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:Note: sporting and ski equipment are not covered whilst in use.
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.
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.
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
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.
See https://www.ami.co.nz/hub/covid19 for the most up to date information.
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
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.
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.
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.