great cover getaways!




Regardless of whether you travel regularly or are planning the trip of a life time, travel is unpredictable. Comprehensive travel insurance gives you the freedom to focus on the fun stuff. Don’t worry. Just travel.

24/7 emergency assitance


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


Don’t lose out if you have to cancel your trip. Our Comprehensive Plus policy covers unlimited  costs if you can no longer travel or have to return home early.

travel delays


Airport delays are a common frustration when travelling. Our high level travel insurance 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 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


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

luggage cover


Rest assured with top notch cover your luggage is covered in the event of loss or theft, whether you’re near or far from home. Phew!

cruise insurance


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.




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


There are always risks when you travel, even in your home country. Protect your New Zealand holiday with comprehensive domestic travel insurance.  You 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.




Get comprehensive cover all year round. If you’re planning several trips this year our frequent traveller policy could save you time and money.

annual travel insurance annual travel insurance annual cruise insurance

Our annual multi-trip policy covers an unlimited number of trips over a 12 month period. You get the the same level of cover as our comprehensive plus international plan, meaning you get top cover for less. You can tailor your individual trip duration from 15 days up to 90 days.


Comprehensive cover FAQ's

Travelling can be an exciting, eye-opening adventure. It can also be unexpectedly expensive - especially if you
have an accident, get sick, lose your passport, or are stuck in an airport for days on end. 
That’s why comprehensive travel insurance is essential for your next getaway.

  • Q. What is the maximum level of cover I can purchase?
  • TINZ's Comprehensive Plus policy is the highest level of cover available to purchase. It includes unlimited cover for medical emergencies, unlimited cover for cancellation, $25,000 for luggage and personal items, $5 Million for personal liability, $6,000 for rental vehicle excess, $10 Million for terrorism, $10,400 for loss of income and much more. Compare our plans in more detail here.

  • Q. Are there age limits with comprehensive cover?
  • Persons of any age can buy a policy, however trip limits do apply. Those under 69 years can purchase a policy for a maximum trip duration of 18 months only. Those over 70 can purchase a policy for a maximum trip duration of 6 months only. Our frequent traveller policy is only available to travellers aged 64 and under. 

  • Q. Are all adventure activities covered by comprehensive travel insurance?
  • Take note, you may not be covered for certain sports and activities automatically if you don't opt for the 'sports & activities’ add-on. Learn more about our adventure activities cover here.

  • Q. Does comprehensive insurance cover my medical conditions?
  • TINZ automatically covers 35 pre-existing medical conditions at no cost. This includes conditions such as acne, asthma, cataracts, diabetes and osteoporosis. Click here to see a full list of conditions that are automatically covered. 

  • Q. Does a comprehensive policy cover for my high value items?
  • If you’re a tech-head you’ll be glad to hear that our luggage insurance covers personal computers, video recorders and cameras for up to $3,000 per item. All other items, including mobile phones and tablets are covered for up to $1,000. If you have an item that exceeds either of these costs you can insure it separately up to an additional $5,000. Learn more about our high value items add on.

  • Q. Does a comprehensive policy cover me when I go on a cruise?
  • Yes, all our policies cover you whether your trip is on land or out at sea. We’re on board with you and don’t charge any extra if you’re heading on a cruise. 

  • Q. Does comprehensice cover for pregnancy?
  • We cover pregnancy up to and inclusive of 24 weeks provided it is a single foetus, uncomplicated pregnancy. Multiple pregnancies up to and inclusive of the 19th week of gestation are covered. Learn more on travelling while pregnant.

  • Q. Are kids covered for free?
  • All of TINZ's travel insurance policies cover kids at no additional cost. Your child is eligible if they are financially dependent, under twenty one (21) years, travelling together with a parent or grandparent for 100% of the holiday, and are named on the Certificate of Insurance.