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New Zealand travel insurance

Kiwi travelling in NZ? Cover the unexpected, like emergencies, delays, or cancellations1.  

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Call us on 0800 500 425

Already with AMI? Get 30% off.

If you’re already an AMI insurance customer, use promo code AMICUST30 to get 30% off your travel insurance policy2.

Cover for moments that matter1

Trip cancellation

If you have to cancel your trip, you can claim to get non-refundable costs back.   

Rental vehicle insurance excess

We cover up to $10,000 for eligible damage and theft. Driving your own car? We can cover your insurance excess up to $2,500, if your vehicle has comprehensive cover.

Travel delays

If things get in the way of your getaway or special event, like flight cancellations, delays, or bad weather, you may be able to claim.

Extreme sports

We automatically cover NZ activities like bungy jumping, jet boating, kayaking, and white-water rafting. Plus, we offer optional cover variations for more activities.

Choose a plan to suit your needs

You’ll choose between these options in our online quote process.

Domestic single trip

For NZ residents going on a one-off trip within New Zealand.

Domestic annual multi-trip

For NZ residents who travel locally often3. Get cover for unlimited trips within 12 months (up to the maximum trip duration chosen). Enjoy less admin and more savings.

Domestic cancellation

For NZ residents who want to cover key costs if your trip is cancelled due to unforeseen events. Plus, some cover for additional costs incurred on trip for coverable reasons.

Get a travel quote

Domestic travel insurance benefits1

Select cover option:

Domestic

Domestic

For a single trip or annual multi-trip

Maximum limit per adult

Medical and emergency dental expenses

$1,5004

Additional expenses

$10,0005

Amendment or cancellation costs

$10,0005

Luggage and travel documents

$5,0005

Delayed luggage allowance
Money
Rental Vehicle insurance excess

$10,000

Bonus cover for self-drive holidays in New Zealand - personal vehicle insurance excess

$2,5007

Domestic Cancellation

Domestic Cancellation

For a single trip

Maximum limit per adult

Medical and emergency dental expenses
Additional expenses

Your chosen amount6

Amendment or cancellation costs

Your chosen amount6

Luggage and travel documents
Delayed luggage allowance
Money
Rental Vehicle insurance excess
Bonus cover for self-drive holidays in New Zealand - personal vehicle insurance excess

Domestic

Domestic

For a single trip or annual multi-trip

Maximum limit per adult

Domestic Cancellation

Domestic Cancellation

For a single trip

Maximum limit per adult

Medical and emergency dental expenses

$1,5004

Additional expenses

$10,0005

Your chosen amount6

Amendment or cancellation costs

$10,0005

Your chosen amount6

Luggage and travel documents

$5,0005

Delayed luggage allowance
Money
Rental Vehicle insurance excess

$10,000

Bonus cover for self-drive holidays in New Zealand - personal vehicle insurance excess

$2,5007

Select cover option:

Domestic

Domestic

Travel delay

$7505

Resumption of journey
Missed connections

$3,0005

Special events

$2,000

Hospital incidentals
Hijacking
Loss of income

$2,2508

Disability

$10,0008

Accidental death

$10,0008

Legal expenses

$5,000

Personal liability

$200,000

COVID-19 benefits

See policy wording

Domestic Cancellation

Domestic Cancellation

Travel delay
Resumption of journey
Missed connections
Special events
Hospital incidentals
Hijacking
Loss of income
Disability
Accidental death
Legal expenses
Personal liability
COVID-19 benefits

See policy wording

Domestic

Domestic

Domestic Cancellation

Domestic Cancellation

Travel delay

$7505

Resumption of journey
Missed connections

$3,0005

Special events

$2,000

Hospital incidentals
Hijacking
Loss of income

$2,2508

Disability

$10,0008

Accidental death

$10,0008

Legal expenses

$5,000

Personal liability

$200,000

COVID-19 benefits

See policy wording

See policy wording

See more policy benefits

Policy document

This is a summary only. For a full list of the benefits as well as exclusions and other terms, read the policy wording.

  1. Cover will not exceed 12 months from onset of the illness, condition or injury.
  2. Sub-limits apply. Refer to the policy wording.
  3. Cover chosen applies per policy. Refer to the policy wording.
  4. If covered under comprehensive vehicle insurance.
  5. Liability collectively for Sections Loss of Income, Disability and Accidental Death is $10,000 on the Domestic plan.

For policies bought before 17 September 2025 refer to policy wording.

Cover even more

Check your policy wording to see what’s automatically covered and get a cover variation if you need a bit more cover.

High value items

Increase your cover for items like jewellery, laptops, or cameras.

Adventure

Cover more extreme activities like skydiving, rock climbing, scuba diving, or high-altitude trekking.

Motorcycles or mopeds

Cover driving or being driven with an engine over 250cc.

Snow sports

Cover on-piste or off-piste skiing, snowboarding and heli-skiing.

Ways we're on your side

24/7 emergency
assistance

Claim online, anytime, anywhere

New Zealand-based customer service

Easy online claims

We're here for you if something disrupts your trip. Save time and submit your claim online through Cover-More. You can save and return to complete a claim for up to 28 days.

Make an online claim

Travelling overseas?

Explore international insurance

Terms and conditions

1. This is a summary only. Benefits may vary by plans. Adding extra cover to your base policy will incur additional costs. Limits, sub-limits, conditions, exclusions, and a standard excess may apply. Before deciding to buy this insurance, consider the policy wording.

2. Discount applies to new AMI Travel insurance policies taken out by existing AMI insurance customers only, using the promo code AMICUST30. New policies must be quoted and paid for between 11 March and 22 September 2026 to be eligible. Not available with any other offer. The discount applies to the total premium paid, inclusive of any add-on or variations to cover made and is applied before taxes. T&Cs apply. 

3. Your destination must be more than 100 kilometres or more from Home, or Your trip must include at least one night paid accommodation booked with an accommodation supplier or provider (including a hotel, Bed & Breakfast (B&B), serviced apartment or peer to peer service such as Airbnb).

Insurance Disclaimer

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.