STANDARD EXCESS
All TINZ plans have a non removable standard excess of $200, except for Already Overseas, which has a $250 excess. However, we do not charge an
excess on certain benefits including accidental death, permanent disability, resumption of journey,
alternative transport expenses, delayed luggage, loss of income and more. See the table of benefits for full details.
Want to reduce your premiums?
You can reduce the cost of your policy by doubling the standard excess to $400.
Once you've received a quote from us, just check the 'double excess' box in the additional options section.
Travel insurance excess FAQs
-
Q. Does an excess apply to all claims?
-
No, we do not ask you to pay an excess if you are claiming for accidental death, permanent disability, resumption of journey, alternative transport expenses, delayed luggage or loss of income. To see a full list of benefits where excess applies, please refer to the table of benefits in our Policy Wording.
-
Q. Does my age affect how much excess I pay?
-
Yes, those over 80 years of age may be subjected to higher excesses ranging between $2,000- $5,000. This excess will be shown in the quotation process.
-
Q. Does the same excess apply to all sports and activities?
-
In most cases the standard excess will apply. However, there are a handful of activities where a higher excess is required which include: marathons, martial arts, canyoning, mountain biking, rugby and trekking.
-
q. How many times do I have to pay an excess?
-
With TINZ, excess applies per event, not per claim. For example, if you were hospitalised on holiday you would need to pay the $100 excess when making your claim, if however you needed a follow up hospital appointment for the same medical condition you would not have to pay a second excess. However, you would need to pay the excess twice if you were claiming for two separate events such as lost luggage and a trip to the doctor.
-
acne
-
Allergies
limit to arthrities, chronic sinitus, eczema, food intolerence, hay fever
-
Asthma
providing that you have no other lung disease and; are less than 60 years of age at the date of issue of the certificate of insurance.
-
acne
-
Allergies
limit to arthrities, chronic sinitus, eczema, food intolerence, hay fever
-
Asthma
providing that you have no other lung disease and; are less than 60 years of age at the date of issue of the certificate of insurance.
-
acne
-
Allergies
limit to arthrities, chronic sinitus, eczema, food intolerence, hay fever
-
Asthma
providing that you have no other lung disease and; are less than 60 years of age at the date of issue of the certificate of insurance.
-
acne
-
Allergies
limit to arthrities, chronic sinitus, eczema, food intolerence, hay fever
-
Asthma
providing that you have no other lung disease and; are less than 60 years of age at the date of issue of the certificate of insurance.
-
acne
-
Allergies
limit to arthrities, chronic sinitus, eczema, food intolerence, hay fever
-
Asthma
providing that you have no other lung disease and; are less than 60 years of age at the date of issue of the certificate of insurance.
-
acne
-
Allergies
limit to arthrities, chronic sinitus, eczema, food intolerence, hay fever
-
Asthma
providing that you have no other lung disease and; are less than 60 years of age at the date of issue of the certificate of insurance.
