Travel insurance
Whether it's near or far, you can tailor your cover to suit your travel.
A range of options to suit your travel
Overseas cover
When you're overseas, you want to know that everything will be taken care of if things go wrong. Our travel cover includes all the important stuff, like medical and hospital treatment, lost luggage, personal liability and getting you and your family home in an emergency.
Domestic cover for
travel in NZ
Domestic Cancellation (Plan C)
If your plans change unexpectedly, you’ll be covered for the cost of cancelling or amending your flight, hotel or rental car bookings. From $200 up to $1,500.
Domestic Comprehensive (Plan D)
This plan covers you for the cost of cancelling or amending your flight, hotel or rental car bookings and additional expenses, up to $10,000.
Annual multi-trip cover
If you travel two or more times a year, our annual multi-trip cover can save you time and money. Take it out once and you’re covered for as many trips as you like, for 12 months, over 250 km from home, including domestic travel, up to a maximum number of days per journey.
The policy type you choose changes what you are covered for.
Compare cover optionsGet more from your travel insurance
24-hour assistance
24/7 access to a team of experts with a global network of doctors, nurses and logistical staff. Cover for emergency accommodation and transport expenses if a disaster like a volcano, tsunami, earthquake or flood disrupts your journey.
Overseas medical cover
Includes hospital, medical, surgical, emergency dental and ambulance costs. Plus help to arrange treatment and medical evacuation.
Fly Buys™ or Airpoints™
Collect Fly Buys™ or Airpoints™ dollars on every policy you have with State.
Get 15% off when you buy online
*Discount applies to existing AMI customers and to premiums for standard policies net of Government levies and GST (if applicable). Discounts do not apply to premiums for cover additional to standard policies or to any minimum premium.
Quick online claims
You can claim online while you are travelling.
Claim online
What is covered?
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Medical and dental expenses
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$unlimited+* |
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Additional expenses
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$unlimited+o |
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Amendment or cancellation costs
|
cover chosen+^ |
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Luggage and travel documents
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up to $25,000- |
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Delayed luggage allowance
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up to $1,500 |
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Money
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up to $500 |
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Rental car insurance excess
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up to $10,000 |
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Travel delay
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up to $2,000 |
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Resumption of journey
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up to $5,000 |
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Hospital incidentals
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up to $8,000 |
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Hijacking
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up to $8,000 |
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Loss of income
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up to $9,000+~
(up to $1,000 per month) |
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Disability
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up to $15,000+~ |
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Accidental death
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up to $15,000+~ |
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Legal expenses
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up to $10,000 |
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Personal liability
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up to $2,500,000 |
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Exclusions and limitations apply. Talk to us about these or refer to the full policy document.
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Importantly, please note that conditions, exclusions, limits and sub-limits apply and this summary of benefits table may change at any time.
* Medical cover will not exceed 12 months from onset of the medical condition. 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 Area 9.
+ 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 page 7 of the Policy Wording.
- Item limits apply. See page 7 of the Policy Wording.
# You can choose $200, $400, $600, $800 or $1,500.
~ The maximum liability collectively for Sections 12, 13 and 14, shall not exceed $15,000 on Plan I and $10,000 on Plan D.
0 Limits apply under part 6, section 2, sub-sections 2 and 6f of the Policy Wording. See pages 26–27 of the Policy Wording.
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 Great Lakes Reinsurance (UK) SE trading as “Great Lakes New Zealand”. AMI insurance(“AMI”), a business division of IAG New Zealand Limited, is not the insurer. AMI 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 Great Lakes New Zealand. AMI does not guarantee Great Lakes New Zealand or Cover-More.