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 click here
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, hotel 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 car insurance excess, personal liability and more!
Travel Cover
During Covid-19
Planning an adventure around Australia or the Cook Islands? Check out our scenario-based FAQs explaining how we could cover you if Covid-19 plays havoc wih 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
**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 Travel Cover Plans
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Single Trip or Annual Multi-Trip
Maximum benefit limits (per adult)Single Trip Maximum benefit limits (per person) -
Medical and dental expenses
$Unlimited+*Up to $1,500
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Additional expenses
$Unlimited+ °Up to $10,000Cover chosen(Choose the amount of cover that suits, on a per person basis) # -
Amendment or cancellation costs
Cover chosen+^Up to $10,000Cover 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•
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Delayed luggage allowance
Up to $1,500
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Money
Up to $500
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Rental car insurance excess
Up to $10,000Up to $4,000
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Travel delay
Up to $2,000Up to $750
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Resumption of journey
Up to $5,000
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Hospital incidentals
Up to $8,000
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Hijacking
Up to $8,000
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Loss of income
Up to $9,000+~up to $1,000 per monthUp to $2,250~up to $250 per month
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Disability
Up to $15,000+~Up to $10,000~
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Accidental death
Up to $15,000+~Up to $10,000~
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Legal expenses
Up to $10,000Up to $5,000
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Personal liability
Up to $2,500,000Up 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.
* 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.
No cover for trip cancellation costs for trips commencing within 21 days of policy purchase date if you test positive to COVID-19 and cannot travel.
If your COVID-19 related cancellation claim is approved, then the maximum we will pay per policy is $5,000 for
international trips and $2,500 for Domestic trips. Cover chosen applies per policy.
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.
Before you travel
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Travel tips
Our team of intrepid Kiwi travelers has come up with a list of handy travel tips to help make your holiday even better.
AMI Travel insurance is underwritten by Zurich Australian Insurance Limited ("ZAIL") incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. IAG New Zealand Limited (“IAG”), of which AMI is a business division, is not the insurer. IAG receives a commission for the issue of AMI-branded travel policies arranged through Cover-More (NZ) Limited (“Cover-More”). Cover-More administers the policy and acts on behalf of Zurich New Zealand. 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 claimWhere 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.