TRAVEL INSURANCE FAQ'S

We understand that travel insurance can be confusing, here are some of our most common questions.

• Q. Which is the best travel insurance in New Zealand?

• There are many factors that go into finding the right policy for your holiday. No two trips are the same, so what is right for you, may not be the best policy for someone else. For starters, you need to think about your holiday and what you want to cover. For example, are you taking high-value items away with you, are you doing any adventure activities, or do you have any medical conditions to declare.

• Q. Who has the cheapest travel insurance in New Zealand?

• You may have already realised that travel insurance policies vary dramatically in product choice and price. TINZ has three levels of cover to compare so you can find an affordable policy for your holiday. A Comprehensive policy for a 7-day trip to Fiji can cost as little as $4 a day. A small price to pay for peace of mind. TINZ doesn’t charge you for the things you won't need and have included some extras as standard so that you can confidently travel with spontaneity.

• Q. How much does it cost for travel insurance?

• The price of travel insurance really depends on where you’re going, how long for and how many travellers are in your party. A 7-day trip to Australia for one person aged 30 can be as little as $3 a day, a Comprehensive policy for a 3-week trip to the UK for a family of four can be less than $200 *example prices. Prices can increase if you have pre-existing medical conditions, have high-value items or you are participating in adventure activities. Get a quote with TINZ to see how much our cover is for your trip.

• Q. What does travel insurance cover?

• A comprehensive policy will cover a range of benefits including overseas medical expenses, trip cancellation, luggage and belongings, family emergencies, travel delays, personal liability and much more.

• Q. What is not covered by travel insurance?

• There are certain things that is rarely covered which includes things like lost or stolen items when left unattended, undeclared pre-existing illnesses, epidemics, pandemics and acts of war. All insureds are entitled to make a claim regardless and your case will be assessed on a case by case basis.

• Q. Does TINZ cover pre-existing medical conditions?

• Yes, don't let an existing medical condition get in the way of your travels.  We cover 35 medical conditions automatically for free. Any other conditions need to be declared through our easy online medical assessment. See more information about pre-existing illnesses here.

• Q. Am I covered for A family emergency?

• Both TNZ’s Comprehensive & Comprehensive plans cover for additional travel expenses such as your return flight to New Zealand if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)

• Q. What sports activities are covered by TINZ travel insurance?

• TINZ gives you the freedom to take that heart-pounding leap - worry free! Our optional Sports & Activities Cover provides you with cover for a range of more adventurous activities not covered under a standard policy. We cover things like cycling, snorkelling (depth limits apply) and water skiing for free. We offer extra cover for activities like canyoning, abseiling, trekking above 3000 meters. See our sports adventure activities page for more information.

• Q. What is TINZ’s terrorism cover?

• While many travel insurers exclude cover for cancellation fees and lost deposits in the event of terrorism, under our Frequent Traveller and Comprehensive Plus plans we allow you to cancel in the event that MFAT travel warnings restrict you from travel. We provide $10 million worth of medical cover if you’re injured in a terror attack. Conditions apply. See more information about our terrorism cover here.