Adventure awaits



backpacker TRAVEL INSURANCE- cheap quotes fast 

Spending several months exploring the world with nothing but a pack on your back is sure to be a life changing experience. However, having backpacker travel insurance will ensure you can focus on having fun!

Emergency assistance

24/7 Emergency 

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.



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

Travel delays


Delays are a common frustration when travelling. We provides you with compensation if you’re delayed for more than six hours.

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 trip cancellation.


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


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.

Longer cover


 That’s right, we for longer.  Most insurers limit their cover to twelve months, with TINZ you can get cover for up to 18 months with the ability to extend.

Sports and activities

and activities

We cover thrillseekers and adventure junkies! From bunjee jumping, zorbing, scuba diving and more, we support your right to live on the edge!




Get cover for the things you love. Whether you’re an avid skier, an adrenalin junkie, a
gadget freak or a high-end holiday maker, TINZ has the extra cover you’re looking for.


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.


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 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


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


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.




Taking a few big backpacking trips in the next 12 months? If you’re planning several trips this year this frequent traveller policy can save you time and money.

frequent traveller annual multi-trip frequent cruise cover

Our annual multi-trip policy covers an unlimited number of trips over a 12 month period. We give you the same level of cover as our comprehensive international plan, meaning you get full coverage for less. You can tailor your individual trip duration from 15 days up to 90 days. Please note this policy is only available for customers under the age of 64.


 backpackers travel insurance FAQ's

Although most backpackers are on a budget, the last thing you should be scrimping on is your travel insurance.
Did you know the cost of a night in intensive care can be more than $20,000 per night in some countries?
For further information, check out our FAQ’s below.

  • Q: Am I covered for activities and water sports?
  • At TINZ we cater for those with a taste for adventure. We cover a wide range of adventure sports such as bungee jumping, scuba diving (max depth 30 metres), jet skiing, kayaking and more. To see a full list of covered activities click here.

  • Q. Which activities are excluded from cover?
  • We don’t cover outdoor rock climbing, hang-gliding, boating in international waters or any kind of professional or competition sports. For a full list of excluded activities please refer to PDS.

  • Q. Are my medical fees covered if I sustain an injury while participating in an adventure sport?
  • Yes. If you were to have an unforeseen accident on holiday while participating in a listed activity, your medical expenses would be covered, so long as you were not intentionally putting yourself at risk.

  • Q. What is the cover limit on rental vehicle excess?
  • Although hiring a rental vehicle affords you plenty of freedom on your travels, there’s always the possibility that you may damage your hire car. TINZ includes a $6,000 rental vehicle excess cover as standard on our Comprehensive and Comprehensive Plus plans, saving you on exorbitant insurance excess fees when you hire a car.

  • Yes. Please be aware the rental vehicle excess benefit does not take the place of rental vehicle insurance. We will reimburse you up to $6,000 for any excess or deductible if your rental vehicle is damaged or stolen while you are driving (or while in your custody).

  • Q: Am I covered in the event of a terror attack?
  • Unlike most insurers we don’t exclude terrorism. If you’re caught up in an act of terror, we’ll pay for your flight home, cover your medical costs and in some cases, reimburse you for trip cancellation. See PDS for more information.

  • Q: How do alcohol and drugs affect my cover?
  • When it comes to alcohol we understand that for some, there’s no better way to kick off a holiday than with a poolside cocktail (or two). However, we would exclude any claims involving drugs/or alcohol. Please note this exclusion is only applicable if it was your intoxication that resulted in the claim.

  • Q: Are my SLR camera, engagement ring or laptop covered?
  • It depends. We will pay up to $1,000 for individual single items and $3,000 for personal computers, video recorders or cameras. If you have an item that exceeds either of these costs you can insure it separately up to an additional $5,000. Unfortunately, we are only able to cover an item of jewellery for up to $1,000.