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International travel insurance

Travel the world with cover for surprises, like emergencies, cancellations, and more1. 

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Call us on 0800 500 425
Illustration of travel discount 20% off

Already with AMI? Get 20% off.

If you’re already an AMI insurance customer, use promo code AMICUST to get 20% off your next travel insurance policy2.

Cover for moments that matter1

Illness or injury

Get unlimited3 cover to help get you well or get you home. Plus, we cover a range of pre-existing medical conditions.   

Trip cancellation

You choose the amount of cancellation cover you need. If you have to cancel your trip, you can claim to get your non-refundable costs back.

Rental vehicle insurance excess4

We can cover up to $10,000 in rental vehicle excess for eligible damage or theft claims.

Travel essentials

If you lose your suitcase or your passport’s stolen, we can help with replacements to get your trip back on track.

Kids are covered

Kids, grandkids, plus one of their friends are included at no extra cost when travelling with each covered adult5.

Travel delays

If unexpected delays or disruptions leave you out of pocket while traveling, we can cover accommodation, meals and transport costs6.

Choose a plan to suit your needs

We offer two types of international travel insurance for New Zealand residents. Purchase either one as a single trip policy, or an annual multi-trip policy.

YourCover (comprehensive)

Our most comprehensive, giving you flexibility.

Essentials

Cover for the essentials at a lower cost.

Single trip

If you’re going on one trip overseas, to one or more locations.

Annual multi-trip

For unlimited trips overseas and within New Zealand (up to the maximum trip length you choose) within 12 months. Perfect if you have family or do business overseas.

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International insurance key benefits1

Select cover option:

International YourCover (comprehensive)

International YourCover (comprehensive)

Single trip or annual multi-trip

Maximum limit per adult

Overseas medical expenses

Unlimited7

Overseas emergency dental expenses

$1,5007

Continued medical expenses in New Zealand

$1,5007

Additional expenses

Unlimited8

Amendment or cancellation costs

Your chosen amount9

Luggage and travel documents

$25,00010

Delayed luggage allowance

$1,50010

Money

$500

Rental vehicle insurance excess

$10,000

International Essentials

International Essentials

Single trip or annual multi-trip

Maximum limit per adult

Overseas medical expenses

Unlimited7

Overseas emergency dental expenses

$1,5007

Continued medical expenses in New Zealand

$1,5007

Additional expenses

Unlimited8

Amendment or cancellation costs

Your chosen amount9

Luggage and travel documents

$4,00010

Delayed luggage allowance

$60010

Money

$250

Rental vehicle insurance excess

International YourCover (comprehensive)

International YourCover (comprehensive)

Single trip or annual multi-trip

Maximum limit per adult

International Essentials

International Essentials

Single trip or annual multi-trip

Maximum limit per adult

Overseas medical expenses

Unlimited7

Unlimited7

Overseas emergency dental expenses

$1,5007

$1,5007

Continued medical expenses in New Zealand

$1,5007

$1,5007

Additional expenses

Unlimited8

Unlimited8

Amendment or cancellation costs

Your chosen amount9

Your chosen amount9

Luggage and travel documents

$25,00010

$4,00010

Delayed luggage allowance

$1,50010

$60010

Money

$500

$250

Rental vehicle insurance excess

$10,000

Select cover option:

International YourCover (comprehensive)

International YourCover (comprehensive)

Travel delay

$2,00010

Resumption of journey

$5,000

Missed connections

$3,00010

Special events

$2,000

Hospital incidentals

$8,00010

Hijacking

$8,00010

Loss of income

$9,00011

Disability

$25,00011

Accidental death

$25,00011

Legal expenses

$10,000

Personal liability

$3,000,000

Cruise cover

Add-on required

COVID-19 benefits

See policy wording

International Essentials

International Essentials

Travel delay

$1,00010

Resumption of journey
Missed connections

$1,50010

Special events

$1,500

Hospital incidentals
Hijacking

$2,00010

Loss of income

$4,50011

Disability

$5,00011

Accidental death

$5,00011

Legal expenses
Personal liability

$2,500,000

Cruise cover

Add-on required

COVID-19 benefits

International YourCover (comprehensive)

International YourCover (comprehensive)

International Essentials

International Essentials

Travel delay

$2,00010

$1,00010

Resumption of journey

$5,000

Missed connections

$3,00010

$1,50010

Special events

$2,000

$1,500

Hospital incidentals

$8,00010

Hijacking

$8,00010

$2,00010

Loss of income

$9,00011

$4,50011

Disability

$25,00011

$5,00011

Accidental death

$25,00011

$5,00011

Legal expenses

$10,000

Personal liability

$3,000,000

$2,500,000

Cruise cover

Add-on required

Add-on required

COVID-19 benefits

See policy wording

See more policy benefits

Policy documents

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 to section 2 and 5f.
  3. Cover chosen applies per policy. Refer to the policy wording.
  4. Sub-limits apply. Refer to the policy wording.
  5. Liability collectively for Sections Loss of Income, Disability and Accidental Death is $25,000 on the International YourCover and $5,000 on the International Essentials plan.

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

Cover even more

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

Cruise cover

Extend your policy benefits to multi-night sea cruises. This is required if you’re travelling on an ocean or sea cruise for two or more nights.

High value items

Increase your cover for items like jewellery or video equipment.

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 an incomplete claim for up to 28 days.

Make an online claim

Travelling within New Zealand?

Explore domestic 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 AMICUST. 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. Cover will not exceed 12 months from onset of the illness, condition or injury.

4. Only available on the International YourCover plan.

5. Children must be named on the Certificate of Insurance and must be travelling with you on the journey. They must be under 21 years of age, not in full-time employment, and financially dependent on their usual guardian.

6. Sub-limits apply. Refer to the policy wording.

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.