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

*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.

Important information regarding your travel insurance Important information: The Policy Wording and our Covid-19 Hub includes specific information on how AMI Travel Insurance will respond to claims related to Covid-19.

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.**

Find out more

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!

Find out 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

Stay up to date with new developments affecting Travel cover via our Covid-19 information hub: https://www.ami.co.nz/hub/covid19#travel

Find out more


*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.

Get a quote now See policy wording

Still unsure? Ask us a question





Compare our Travel Cover Plans

International
Domestic
Domestic Cancellation
  • Single Trip or Annual Multi-Trip
    Maximum benefit limits (per adult) unless stated otherwise
    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 $4,000
    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

Get a travel quote now

Download policy wording Download policy wording

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 https://www.ami.co.nz/blog/covid19 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 and are unable to travel, you can claim cancellation or amendment costs for your prepaid trip up to a benefit limit of $5,000 per policy on an international Plan or $2,500 per policy on a Domestic Plan or if applicable, up to the level of cover purchased for cancellation (whichever is lower). However please be mindful that if you buy your policy within 21 days before your scheduled departure date, we will only cover travel costs that you paid for in the 48-hour period before buying your policy and travel costs paid for after buying the policy. 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


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.

Quick and easy claims We're here for you if something disrupts your trip. Save time and submit your claim online.

Make an online claim

Where are you going?

If you are travelling to North, Central and South America, the Caribbean or Antarctica for more than 20% of your journey, you must enter the country that you are spending the most time in as the destination.

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.