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Liability limitations

Responsibility.

We cannot accept liability for:

  • Items not packed properly
  • Loss, damage or delay due to a security search led by local, state or federal agencies
  • Missing items inside a checked bag if the bag isn't delayed or damaged
  • Items excluded from liability*

Bag liability

*Excess valuation insurance isn't available for these items

Limitations

Domestic travel.

Liability for loss, delay or damage to bags is limited to $3,800.

Liability limitations for domestic travel are governed by our Conditions of Carriage. See the complete list of conditions online or write to:

American Airlines Customer Relations Department P. O. Box 619612, MD 2400 DFW Airport, TX USA 75261-9612

Conditions of carriage

International travel

Based on the Montreal Convention and applicable international tariffs, liability limitations for international travel are 1,288 Special Drawing Rights (SDR) per ticketed passenger.

Liability for international flights

SDR is an International Monetary Fund unit of currency. SDR's will be converted to U.S. Dollars using the rate in effect on the mishandled bag settlement date.

Additional insurance

If you’re traveling with items worth more than the bag liability limitations, you can buy additional insurance for checked bags at the ticket counter.

Our excess valuation insurance guidelines are:

  • Lost bags are covered; damage to bags or contents is not
  • Insurance must be purchased for each carrier listed on your itinerary
  • If you buy insurance from multiple carriers, you must claim your bags at the connecting airport and recheck and insure the bags with the next carrier
  • Not available at Skycaps

How much does it cost?

  • $5 for every $100 worth of checked bags
  • The total valuation of checked bags cannot exceed $5,000 per passenger
  • Limit includes the standard bag liability allowance + any excess valuation insurance

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How to Find the Best Travel Insurance

Elina Geller

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards with travel insurance benefits.

Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Reserve Credit Card

on American Express' website

Chase Ink Business Preferred Credit Card

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

aa travel insurance excess

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

aa travel insurance excess

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

aa travel insurance excess

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

aa travel insurance excess

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

aa travel insurance excess

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance? How much is travel insurance? Is travel insurance worth it? What does travel insurance cover? Does travel insurance cover COVID?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Domestic Travel Insurance

  • International Travel Insurance
  • Make a Claim
  • COVID-19 FAQs

Cover for your NZ adventures

Great Kiwi adventures deserve insuring too. Whether you’re hitting the road with a caravan in tow or attending that family reunion, don’t forget to look at your cover options. 

We’ve kept things simple, with two plans to choose from. The AA Domestic Travel Insurance Comprehensive plan provides our highest level of protection against unexpected expenses like rental vehicle excess, flight cancellation fees and stolen or damaged baggage that could otherwise leave you out of pocket. There’s also an option to select a no excess plan, and to apply for pre-existing medical conditions cover. Plus, there’s cover for epidemics and pandemics (like COVID-19) in some cases ^ .

There is also a lower premium Cancellation Only plan that covers a situation where you’re forced to reschedule or cancel your trip before you go.

No matter which plan you choose, you’ll find the application process is quick and simple, so you can get back to much more exciting things – like booking that winery lunch, or bikes for a cycle trip. 

Get a quote

Plan options

Comprehensive.

The Comprehensive plan provides the highest limits and extended benefits, giving you the most protection for your Kiwi travels

Cancellation Only

The Cancellation Only plan provides cover where you're forced to reschedule or cancel your trip before you go.

Compare plans

Please note that the Domestic Comprehensive plan can only be issued for a maximum of 60 consecutive days of coverage.

^Sub-limits apply.

This table is a summary only. For all of these benefits, p lease make sure you read the  Policy Wording  to understand the terms, conditions, limits and exclusions that apply.

Comprehensive Plan Benefits

10% discount for aa members*.

AA Members can receive a discount on all policies. Simply provide your valid AA Membership number on application.

Cover for missed connections or travel delays

Cover for pre-existing medical conditions.

You can apply to get cover for your pre-existing medical conditions and if we agree to cover your pre-existing medical conditions an additional premium may apply.

24/7 Emergency Assistance

With AA Travel Insurance, you’ll have access to the Allianz 24/7 Emergency Assistance Team. A single call will put you in touch with a specialist who will be able to help you.

Cover for some COVID-related situations^

All plans include selected cover for epidemic and pandemic diseases, like COVID-19 in some situations:

  • If you're diagnosed with the disease and you can't go on your trip or have to go home early
  • If you’re quarantined or put into self-isolation by the NZ Government if you’ve been exposed to the disease
  • If you’re denied boarding on any scheduled public transport service based on the suspicion that you have the disease. This includes costs for additional accommodation and meals.

Cover before you depart

Your trip is protected from unforeseen cancellation and loss of deposits the moment your cover is confirmed.

For all of these benefits, please make sure you read the Policy Wording to understand the benefit limits, terms or exclusions that may apply.

^The policy still has a general exclusion for epidemics and pandemics, and it does not cover disinclination to travel due to fear or change of mind. Cover is only provided if you have not commenced your journey against the New Zealand Government’s advice not to travel. There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. The cover applies where the amount isn’t covered by the public health system, ACC, and personal health insurance. Please refer to the Policy Wording for full details.

Have a question?

Our friendly New Zealand-based team are here to help. Give us a call anytime from 8:30am to 5pm Monday to Friday, or pop into one of our AA Centres to speak to a consultant.

Call: 0800 630 115

Our insurance partner

AA Travel Insurance policies are brought to you by the New Zealand Automobile Association Incorporated (AA), are issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia) ("Hollard"). You should consider the  Policy Wording  before making any decisions about this insurance policy. Terms, conditions, limits, sub-limits and exclusions apply.

Financial Strength Rating

The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia), ("Hollard"), has been given a financial strength rating of A (Strong) issued by Standard and Poor's. View the full details on the  Financial Strength Rating .

An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.

Financial advice

The New Zealand Automobile Association provides general information about AA Travel Insurance products and services so that you can make a choice that best meets your needs. Information provided does not take into account your personal circumstances, needs or goals and is not intended to be financial advice. If you'd like to receive financial advice, you can get professional advice from a registered financial adviser.

More information

Contact us Policy Wording Make a claim Terms and conditions AA Traveller Member Benefits

*AA Members can receive a 10% discount on AA Travel Insurance. Simply provide each traveller’s valid AA Membership number on application. Discount applies to AA Member cover premium, including any additional pre-existing cover, but does not apply to additional cover for high value items.

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

AA Travel Reviews

AA Travel reviews

The AA has played an active role in New Zealand's domestic tourism since the 1920s. Policies are available to those under 100 years who are residents of New Zealand. Dependents travel for free with parent or grandparent. Their 24/7 emergency assistance is provided by Allianz Global Assistance and they are underwritten by Allianz Australia Insurance Limited.

plus

Customer Experience

Claims experience, value for money.

AA Travel Logo

The Absolute worst experience - STAY AWAY

My claim is only 2000$ and my premium with excess is close to 1000$ , ridiculously small claim - yet ...  Read more

My claim is only 2000$ and my premium with excess is close to 1000$ , ridiculously small claim - yet the claims process was an absolute nightmare. I provided evefry single thing they wanted, then they ask you for additional Documentation and then when you provide it, you wait 20 days and then they ask for more doc which was never asked before and irrelevant just to stall the claim. I am have been waiting almost 3 months for my lousy 2000$ payout, still nothing!

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Took travel insurance out to visit terminally ill parent who died whilst I was there. Tried to claim ...  Read more

Took travel insurance out to visit terminally ill parent who died whilst I was there. Tried to claim $500 for change of ticket. Provided death certificate and copies of original flights etc. Wanted a whole medical review of parent from an overseas medical team. No discussion, just refused to look at claim until 'paperwork' done. I pay $400 per month for AA house/car insurance but they made me feel like I am ripping them off. Have withdrawn the claim and will suck it up but just be warned their customer service is cold and inflexible.

A terrible experience

I had a comprehensive policy (no excess)with AA Travel (which by thew way is Allianz so don;'t th...  Read more

I had a comprehensive policy (no excess)with AA Travel (which by thew way is Allianz so don;'t think it actually has anything to do with AA) I spent two months trying to claim and only ever received a partial payment. Their reasons for denying payment on the remainder made no sense whatsoever but they would not engage in further explanation. It was impossible to actually speak to anyone. Stay away from this company.

check

Very disappointed at a time l needed support l was alone

Its an insult to use the AA name, trusted it and was let down. I had to haggle with the company who m...  Read more

Its an insult to use the AA name, trusted it and was let down. I had to haggle with the company who made a 'payment of good will' as it was put for a legitimate claim l will never recommend AA travel insurance.

Claim wasnt paid because policy was purchased 1 day after

This is absolutely frustrating, I bought AA travel insurance on 20th Dec after finishing all the trav...  Read more

This is absolutely frustrating, I bought AA travel insurance on 20th Dec after finishing all the travel arrangements on 19th Dec. On 21st my daughter fallen sick and on 22nd I had to cancel the entire trip, so put up a claim. My claim was rejected because I didn't purchase policy while doing the travel arrangements...fuming!

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Summary of cover

Schedule of benefits, limits and excesses, have a question get in touch with our customer service 👌, 0818 227 228.

RelAAx, Yellow & Black have got your back

IMAGES

  1. What is an excess waiver on a travel insurance

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  2. Excess in Travel Insurance

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  3. What is Excess in Insurance?

    aa travel insurance excess

  4. What does excess mean in travel insurance

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  5. AA Travel Insurance: Reviews, Voucher Code & Policy Information

    aa travel insurance excess

  6. What Does the Excess Mean on Travel Insurance

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COMMENTS

  1. Allianz Trip Insurance − Plan travel − American Airlines

    Allianz Trip Insurance comes in a variety of plans to fit your specific needs. Single-trip plans can protect one trip, annual plans can protect all your trips for an entire year, and rental car protection plans can keep your budget safe from accidental collision and damage to a rental vehicle. All insurance is recommended / offered / sold by ...

  2. AA Travel Insurance

    Our insurance partner. AA Travel Insurance policies are brought to you by the New Zealand Automobile Association Incorporated (AA), are issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia) ("Hollard").

  3. AAA Travel Insurance Review: Is it Worth It?

    The next three Annual Executive Plans ($500-$785) are tiered based on the amount of trip cancellation and interruption coverage provided ($5,000, $7,500 or $10,000). All the other protections ...

  4. Travel insurance

    Cover for all your trips over the year, up to 62 days at a time. Personal accident cover up to £25,000 per trip. Cancellation cover up to £5,000 per person per trip. Cover for all the trips you take, up to 62 days each. Emergency assistance 24/7, 365 days a year. Medical expenses up to £15 million.

  5. Liability limitations − Travel information − American Airlines

    Domestic travel. Liability for loss, delay or damage to bags is limited to $3,800. Liability limitations for domestic travel are governed by our Conditions of Carriage. See the complete list of conditions online or write to: American Airlines. Customer Relations Department. P. O. Box 619612, MD 2400.

  6. AAA Travel Insurance Review 2024: Pros and Cons

    AAA offers travel insurance policies in partnership with Allianz. The more robust policies include coverage for a missed port of call and free coverage for children under age 17.

  7. AA travel insurance review

    The excess on an AA travel insurance policy is £150 for Bronze AA travel insurance policyholders, £80 for AA Silver travel insurance members and £50 for AA Gold travel insurance members. The policy excess is payable per person but if more than one person insured on a policy is making a claim it will be limited to 2 excess amounts.

  8. How to Find the Best Travel Insurance

    Nerdy takeaways. Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more. Cost is affected by trip length, pre-existing medical conditions ...

  9. Annual multi-trip travel insurance

    Enhanced benefits for AA Members, including excess waiver and UK rehabilitation cover (Silver or Gold cover only - not Bronze).*. Emergency medical expenses up to £15 million. Emergency assistance available 24 hours a day, 365 days a year. Cover for multiple trips worldwide up to 62 days each (dependent on age and location).

  10. AA International Travel Insurance

    Rental vehicle excess. $6,000. $5,000. $6,000. Personal liability. $2,500,000. $500,000. $2,500,000. Defence costs - including wrongful arrest. $10,000. Nil. ... AA Travel Insurance policies are brought to you by the New Zealand Automobile Association Incorporated (AA), are issued and managed by AWP Services New Zealand Limited trading as ...

  11. What is an insurance excess?

    Make a claim. We like to make claim time as easy and stress-free as possible, simply select the product you need to claim on in the drop-down box below. Start a claim. We've been voted New Zealand's most trusted general insurer 11 years in a row so you can trust us to protect what's important to you. Learn more or get a quo...

  12. Travel Insurance Excess Explained

    In simple terms, the excess is the amount you're obliged to pay towards a claim you make on your travel insurance. If you have a $100 excess and make a claim for $500, your insurance company will subtract your excess from the claim, which means they'll pay out $400. But if you have multiple "events", meaning different problems where claims ...

  13. Understanding your excess

    An excess is the amount you pay when you make a claim - you pay a contribution towards the claim and your insurer pays the rest of the costs. When you first take out your policy and each year upon renewal, you can choose an excess to suit your situation. Most insurers will offer a range of options. You can choose to set a higher excess, which ...

  14. Compare AA Travel Insurance

    AA travel insurance includes emergency assistance available 24/7, 365 days per year, and free GP support through the Doctor please! app available 24/7. It also includes Covid-19 cover as standard in its policies which will pay out in certain circumstances, for instance if you're denied boarding at the airport because you have coronavirus ...

  15. AA Domestic Travel Insurance

    The AA Domestic Travel Insurance Comprehensive plan provides our highest level of protection against unexpected expenses like rental vehicle excess, flight cancellation fees and stolen or damaged baggage that could otherwise leave you out of pocket. There's also an option to select a no excess plan, and to apply for pre-existing medical ...

  16. Car Hire Excess Insurance Explained

    The AA Car Hire Excess policy covers excesses of up to €3,000 for any single incident during any one period of insurance. Who can take out a Car Hire Excess Policy? Anyone who already has travel insurance with the AA or is looking at getting travel insurance with us can avail of the Car Hire Excess policy, which is a new add-on we offer on ...

  17. Travel Insurance with Covid-19 Cover

    0818 227 228. RelAAx, Yellow & Black have got your back. Call us Email us Routeplanner Help. Get cheaper annual holiday Insurance from as low as €17 with Covid-19 cover when you get a quick quote for AA Travel Insurance.

  18. Multi Trip Travel Insurance

    AA Travel Insurance Features And Benefits 🏝. Annual Multi Trip. Get cover before, during and after your holiday the whole year. Cancellation Cover. Cover up to €6,000 for any lost travel and accommodation costs if cancelling your trip is unavoidable. Medical Cover. Emergency medical and repatriation cover up to €10,000,000.

  19. Single trip travel insurance

    Coronavirus Advice for our customers. You can tailor our single trip travel insurance to suit your holiday, so you get even more peace of mind. Enhanced benefits for AA Members, including excess waiver and UK rehabilitation cover.*. Emergency medical expenses up to £15 million. Emergency assistance available 24 hours a day, 365 days a year.

  20. AA Travel

    AA Travel Reviews. The AA has played an active role in New Zealand's domestic tourism since the 1920s. Policies are available to those under 100 years who are residents of New Zealand. Dependents travel for free with parent or grandparent. Their 24/7 emergency assistance is provided by Allianz Global Assistance and they are underwritten by ...

  21. Summary of AA Travel Insurance

    0818 227 228. RelAAx, Yellow & Black have got your back. Call us Email us Routeplanner Help. Summary of AA Travel Insurance, including a Schedule of Benefits, Limits and Excesses for specific elements of your cover.