cover your conditions




pre-existing medical conditions 

We want you to enjoy every moment of your journey, which is why we cover a wide range of travel situations. If you unexpectedly become ill or sustain an injury during your travels overseas, we will cover your overseas medical costs.  However, when it comes to pre-existing medical conditions it is important to note that you may not be automatically covered.



At TINZ, we treat pre-existing medical conditions in two ways:


Conditions automatically covered at no cost

Travel Insurance New Zealand provides cover for 35 pre-existing medical conditions automatically for free, even if you don’t tell us about them. If your medical condition is in this list you’re covered provided:
  • The condition has been stable for more than 12 months;
  • You do not intend to have surgery, treatment or a specialist review; and
  • You have not attended hospital for treatment for the condition in the past 12 months.

If your condition is listed above, but you do not meet the criteria for automatic cover, you can apply for cover by completing our quick online medical assessment. This can be completed after you have received quotes for your holiday. A full list of these conditions can be found within the Product Disclosure Statement.

  • acne

  • Allergies,

    Limited to rhinitis, chronic sinusitis, eczema, food intolerance, 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. NB: If you have asthma and do not meet the criteria for automatic cover, you MUST declare by doing our online medical assessment. 
  • Bells palsy

  • Benign positional vertigo

  • Bunions

  • Carpal tunnel syndrome

  • Cataracts

  • coeliac disease

    (Gluten intolerance)

  • Congenital blindness

  • Congenital deafness

  • Dry eye syndrome

  • Diabetes mellitus Type I & II

    Providing you were diagnosed over 12 months ago, have no eye, kidney, nerve or vascular complications, do not also suffer from a known cardiovascular disease, hypertension or hypercholesterolaemia, and are under 50 years of age at the date of policy issue.
  • Epilepsy

    Providing you have not had any seizures in the past 12 months, and you are on no more than one anticonvulsant medication

  • Folate deficiency


  • Gastric reflux

    Heartburn, indigestion

  • Goitre


  • Glaucoma

    (Increased ocular pressure)

  • Graves disease


  • Hiatus hernia

  • Hypercholesterolemia (high cholesterol) 

    Provided you do not also suffer from a known cardiovascular disease

  • Hyperlipidaemia (high blood lipids)

    Provided you do not also suffer from a known cardiovascular disease

  • Hypothyroidism

    Including Hashimoto's disease

  • Hypertension

    (High Blood Pressure) Provided you do not also suffer from a known cardiovascular disease and your most recent reading is less than 165/95

  • Impaired glucose tolerance

    Glucose intolerance, pre-diabetes. Provided you are under 50 years of age at the date of the policy issue

  • Incontinence

  • insulin resistance


  • menopause

    Provided you do not have osteoporosis

  • nOcturnal cramps

  • osteopaenia

  • pernicious anaemia

  • Raynaud's disease

  • Sleep apnoea

  • Trigeminal neuralgia

  • trigger finger

  • Vitamin B12 deficiency


Conditions requiring assessment

We need to know about all other medical conditions which are not listed above so that we can evaluate whether we can provide you with cover.

To add a Pre existing medical condition(s), you MUST let us know at the time you buy your Policy and complete the online medical assessment. We will ask you some questions about your health and then determine whether we can offer you cover and if so, on what terms.

Depending on your condition, we may decline to cover you, limit the amount of cover, exclude specific medical condition and/or agree to provide cover for an additional premium.

Each condition that we agree to cover will be noted on your Certificate of Insurance after you pay any applicable additional premium. You are not covered unless the condition is noted on your Certificate of Insurance.

We will only pay for treatment that was not expected at the time we agreed to insure you.


 Pre-existing medical conditions FAQ's

  • Q. What is a pre-existing medical condition?
  • In short, a pre-existing medical condition is any medical or dental health condition that you are aware of; or have sought professional advice for in the past whether ongoing or not. It is any condition that you take prescribed medication for, have had surgery for, or see a medical specialist for.

  • Q. What conditions are covered?
  • At TINZ, we automatically cover 35 medical conditions at no additional cost, whether you tell us about them or not.  If your condition is not in this list, you may still be able to obtain cover.  Please refer to the policy wording (PDS) to fully understand the circumstances that apply to you.

  • Q. How do I get cover for my condition?
  • As part of our purchase process you will be asked if anyone travelling on the policy has any pre-existing conditions. After getting a quote, you will be asked a series of questions regarding pre-existing conditions.  If you answer NO when asked whether your pre-existing medical condition is automatically covered in the list shown, you will be prompted to continue to assess your medical conditions online.

  • Q. CAN I get a quote for my medical condition separately?
  • To receive a price to cover your medical condition, you should first obtain a travel insurance quote on the homepage and follow the prompts to apply for cover by assessment. Can't find the medical questionnaire? It's after you've entered the travellers names and addresses in the quote process.

  • Q. How much does it cost to cover medical conditions?
  • If you have a pre-existing medical condition that is not automatically covered, an additional premium may be applied to cover your condition.  Whether or not a premium is applied and whether we can provide you with cover for your condition and/or journey, (and to what extent) will depend on the severity of your condition, how recent it is and the extent to which it is being controlled by medication. To receive a quote to cover your medical condition, you should obtain a travel insurance quote and follow the prompts to apply for cover by assessment.

  • Q. How long will it take to ASSESS MY CONDITION?
  • We've got rid of lengthy paper forms. Our online medical screening process is very quick. You will be asked a series of questions to assess your condition which usually takes no longer than 2-3 minutes to get an answer. 

  • q. I am pregnant – do I have to disclose this?
  • You are automatically covered up to and inclusive of the 24th week for single foeus pregnancies and up to and inclusive of 19th week for multiple pregnancies. If you have had complications of this pregnancy you MUST complete our online medical assessment. Once this happens we will assess your application and decide whether and to what extent we can offer you insurance for your pregnancy and/or journey. If you have not told us about the circumstances of your pregnancy when you were required to do so, we may refuse your claim or reduce it to the amount we would have paid had you given us the required information.

  • q. Can I apply for pre-existing medical cover once i'm overseas?
  • No, you cannot apply for cover for a medical condition once you have left New Zealand.

  • q. What if there is more than one traveller?
  • If more than one traveller needs to apply for cover for a medical condition each applicant will need to complete a separate application form.