Important Information

Keeping you safe is our top priority

As of 20 March 2020, TINZ is temporarily ceasing to issue new Travel Insurance policies based on the Ministry of Foreign Affairs and Trade (MFAT) travel advice being upgraded to Do Not Travel (Level 4) for all overseas destinations.
 

 

 
TRAVEL ALERTS: View the latest travel information that may affect your trip. 

Travel Insurance

Travelling is one of the greatest thrills in life and we want you to enjoy the ride without the worry.
At TINZ, we're passionate about providing Kiwi's with the best travel insurance money can buy.
Let TINZ worry about the unexpected stuff. Don't worry, just travel.

 

lloyds logo

24/7 emergency assitance

24/7 EMERGENCY
ASSISTANCE

At TINZ your health is our number one priority. Our emergency assistance experts are just a phone call away 24 hours a day, seven days a week.

cancellation cover

CANCELLATION
COVER

Don’t lose out if you have to cancel your trip. We offer cover for cancellation costs if you can no longer travel or have to return home early due to unforeseen events.

travel delays

TRAVEL
DELAYS

Airport delays are a common frustration when travelling. Our travel insurance provides you with compensation if you’re delayed for more than six hours.

terrorism cover

TERRORISM
COVER

 If you’re caught up in an act of terror, we’ll pay for your flight home, cover medical costs and in some cases provide you with reimbursement for trip cancellation.

riding a motorbike

RIDING A MOTORBIKE
OR SCOOTER

You’re covered on two wheels, so long as you’re wearing a helmet and the driver holds a valid licence recognised in the country you are travelling.

gadget cover

GADGET
COVER

No doubt you’ll be taking a few gadgets away with you. Our plans provide different levels of cover for phones, iPads, cameras and laptops.

choice of cover

CHOICE
OF COVER

Whether you’re after the bare essentials or fully comprehensive cover, TINZ offers a range of options to suit all types of travellers and budgets.

cruise insurance

CRUISE
COVER

Planning a cruise?  We’re on board with you and don’t charge any extra if you’re heading on a cruise. With TINZ, you’re covered from ship to shore.

 

 

 

TRAVEL INSURANCE OPTIONS

Get cover for the things you love. Whether you’re travelling in New Zealand or overseas, you're an avid skier, an adrenalin junkie, a gadget freak or a high-end holidaymaker, TINZ has the extra cover you’re looking for.

DOMESTIC TRAVEL

There are always risks when you travel, even in your home country. Protect your New Zealand holiday with domestic travel insurance and get cover for rental car excess, luggage, personal effects, lost deposits and more.

SKI INSURANCE

Looking for ski insurance? Snow problem! TINZ covers a range of winter sports from skiing, snowboarding to heli-skiing & cat skiing. Simply select snow ski cover within the quote process.ski insurance

ADVENTURE ACTIVITIES

Are your travel plans packed with thrills and spills? Without proper cover, your heart-pounding adventure could leave you with a headache.adventure activities

GROUP BOOKINGS

Are you travelling with a group of friends, school or club? TINZ offers special rates that can save you significant time and money!

SPECIFIC ITEMS

Do you have expensive items that you just can’t leave behind? You can add your tech toys, high-end cameras, or designer handbags to your policy as high-value items..high value items

PRE-EXISTING MEDICAL
CONDITIONS

Don’t let a pre-existing medical condition get in the way of your travels.  We cover 35 existing medical conditions automatically for free. You can also apply to cover additional conditions by assessment.

LATEST ARTICLES

 

TRAVEL INSURANCE - THE COMPLETE GUIDE

You've been dreaming about your holiday, the perfect break, the dream trip, what could go wrong? The truth is, on holiday, things often do. Perhaps the airline loses your luggage, or you're unlucky enough to get injured or become sick. Either way, taking the time to choose the best travel insurance is a worthwhile investment. Our complete guide to travel insurance has you covered!

5 STAR TRAVEL
INSURANCE

It's not just our customers that love us, our travel insurance products have been independently rated with five stars by Canstar.

CANCELLATION
COVER

Cancellation cover can trip up many a conscientious traveller. Keep reading to get the low-down on TINZ's cancellation cover.

TERRORISM
COVER

Most travel insurers exclude terrorism. However, Travel Insurance New Zealand covers you for cancellation, medical expenses and more. 

 

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. Whether you’re travelling domestically or internationally, no two trips are the same, so what is right for you, may not be the best for someone else. Firstly, 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. At TINZ, we’re passionate about travel insurance and have policies for all types of holidays and budgets. We’ve channelled our energy into providing Kiwis with high-quality cover at affordable prices. So if you’re looking for award winning cover that comes with exceptional customer service when you need it most, compare our plans or contact our friendly customer service team today. .

  • Q. Can I buy a policy if I have already departed New Zealand?
  • Yes, you can. If you’re a New Zealand resident and forgot to buy travel insurance, don’t worry, you can buy TINZ’s Already Overseas policy while you’re out of the country. There is a 72-hour waiting period from the policy start date on your Certificate of Insurance and some limitations apply. You can read more, get answers to some commonly asked questions or get a quote for our Already Overseas travel insurance.

  • Q. I am currently still on my trip and my policy ended, can I extend my policy?
  • If the return date on your policy has past, we cannot extend your existing policy. You can however purchase an Already Overseas policy but keep in mind that a 72 hour waiting period will apply before your cover begins.

  • Q. Does TINZ cover natural disasters?
  • Yes, you are covered if your travels are cancelled or disrupted due to severe weather or natural disasters provided that the event begun after we issued you your certificate of insurance. In the event of a natural disaster, you must have done everything reasonably possible to avoid the expenses, and you must obtain written confirmation from any relevant travel service provider to support your claim.

  • Q. Am I covered for riding a motorbike overseas?
  • Yes, you’re covered to ride a motorbike provided that:
    - You are licensed to ride a motorbike in New Zealand.
    - You hold a valid motorbike licence for the country you are in.
    - You wear a helmet at all times while riding.

    You can ride a motorcycle that is the same capacity you are licensed to ride in Australia. If your licence restricts the engine size you can ride, then you will need to stick to that when you are away. Learn more in our guide to riding motorbikes and scooters overseas.
  • Q. What doesn’t travel insurance cover?
  • It's important to be aware that all travel insurance policies have 'exclusions'. So, there are some things that we just can't cover you for. These certainly aren’t secret and can be found in our policy wording, but we want to highlight some of the things you’re unlikely to be covered for so that you can make smart decisions when heading on holiday.
    - You are generally not covered for reckless behaviour or deliberately putting yourself in harms way.
    - Not taking care of your personal belongings, such as leaving your things behind in public places.
    - You’rer not covered if you were drunk and the consumption of alcohol contributed to your loss. As for illegal recreational drugs, you're definitely not covered.
    - We have a general exclusion in relation to pandemics and epidemics.
    - You are not covered for pre-existing medical conditions that you failed to tell us about or take cover for.
    - You are not covered for events already known in the mass media at the time of purchasing your policy.

    Even though our policies have these exclusions, all TINZ customers are entitled to lodge a claim for review, which would be assessed based on individual facts and circumstances.
  • 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 TINZ’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.

 

 

TRAVEL FACTS

Extortionate overseas medical fees, missed flight fails and holidays hurdles - these travel facts
will convince you to never go abroad without a travel insurance policy again!

medical

$50,000
is what it costs for 14 days of medical treatment in Thailand

missed flight

25%
of travellers admit to missing a flight

cruise

112,000
Kiwis chose to cruise each year

food

60%
of travellers say they gain at least two kilos on holiday

missed flight

28%
of people fail to protect themselves on holiday