Hunger to holiday?




Do you have a thirst for travel? Those with a strong desire for wanderlust have come to the right place! Long term travel insurance gives you the freedom to focus on your trip. Don’t worry. Just travel.

longer cover


That’s right, we cover for longer! Most insurers limit their cover to 12 months, with TINZ you can get cover for up to 18 months.

cancellation cover


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

travel delays


Airport delays are a common frustration when travelling long term. Our policies 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.

24/7 emergency assitance

24/7 emergency

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.

gadget cover


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

choice of 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!

flexible cover


You can add on extras after you’ve left the country. You can even extend your policy from overseas if you’re having too much fun.




Get cover for the things you love. Whether you’re a skier, adrenalin junkie, gadget freak or a high-end holiday maker, TINZ has the right level of cover for your extended stay away.


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.




Get comprehensive cover all year round. If you’re planning several trips this year, rather than one extended break 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 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.


Long term travel insurance FAQ's

Globetrotting can be an exciting, eye-opening adventure. It can also be unexpectedly expensive without proper cover!
Whether you're taking a gap year, going backpacking, or working overseas it's important to get top cover for your long stay trip. 

  • Q. how long am i covered for with tinz?
  • Most insurers limit their cover to twelve months, with TINZ you can get cover for up to 18 months allowing you to globetrot worry-free. Yippee!

  • Q. Are any countries off-limits?
  • No, technically you can purchase a policy for any country with TINZ. However, our policies do not cover claims for losses caused by something that you were aware of at the time of purchasing your policy. For this reason it's important to keep up-to-date with the Government's travel warnings Safe Travel advice.

  • 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?
  • 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. Can i buy travel insurance even after i've left home?
  • Yes, you most definitely can. If you’re a New Zealand resident already overseas, you can purchase travel insurance away from home, no matter where in the world you are.  Simply use the quote box above to purchase our Already Overseas plan or contact our friendly customer service team on +64 9887 8477.

  • Q. Can i extend my cover from overseas?
  • Having too much fun on your long trip and want to extend your cover for longer? No worries, you can extend your policy but you will need to apply with us at least 48 hours before your current policy expires. Unfortunately, we cannot extend policies for more than 18 months in duration. 

  • Q. Are all adventure activities covered?
  • 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. Do you 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. Do you cover 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. Do you cover me 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. 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, are travelling together with a parent or grand-parent for 100% of the holiday, and are named on the Certificate of Insurance.

  • Q. How long does it take to apply for travel insurance?
  • How quickly can you talk? It only takes a few minutes. Taking out travel insurance is a very straight forward process, with only about four questions to answer unlike car or home insurance applications.