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.

Medical declaration form

Senior medical declaration form (over 80 years)



At TINZ, we treat pre-existing medical conditions in one of three ways:


Conditions automatically covered at no cost

Travel Insurance New Zealand provides cover for 36 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 assessment. 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.
  • Bells palsy

  • Benign positional vertigo

  • Bunions

  • Carpal tunnel syndrome

  • Cataracts

  • Coeliac disease

  • Congenital blindness

  • Congenital deafness

  • Dry eye syndrome

  • Diabetes mellitus Type I

    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.
  • Diabetes mellitus Type 2

    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

  • Graves disease

  • Hiatus hernia

  • Hypercholesterolemia (high cholesterol) and Hyperlipidaemia (high blood lipids)

    Provided you do not also suffer from a known cardiovascular disease

  • Hypothyroidism

  • 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

  • Incontinence

  • Insulin resistance


  • nOcturnal cramps

  • OsteopeniA

  • 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. These conditions should be declared even if you are no longer affected by the condition or currently receiving treatment for it.

To declare your conditions and get started on the assessment process, download our Medical Declaration Form.  If you are over the age of 80, you will need to complete our Seniors Medical Declaration Form. Once you have completed the medical declaration form please email it to [email protected]

Our friendly team are happy to help out with any questions. Simply call 0800 699 070 to speak to one of our specialists.



Conditions we don’t cover

We would not be able to cover your condition if the following circumstances applied to you:

  • You require home oxygen therapy or will require oxygen for the journey; or
  • You have chronic renal failure treated by haemodialysis or peritoneal dialysis;
  • You have aids or an aids defining illness or any condition or treatment causing immunosuppression; or
  • You have been given a terminal or palliative prognosis for any condition with a shortened life expectancy;
  • You have had, or are on a waiting list for an organ transplant.

If you have one of the medical conditions listed above, unfortunately there is no cover under certain sections of the policy. However, your TINZ policy will still cover you for a range of other benefits such as travel delays or lost luggage. Please refer to the policy wording (PDS) for section exclusions.



 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 download and complete our Medical Declaration Form.

  • 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 process my medical form?
  • It will take between 24-48 working hours

  • q. I am pregnant – do I have to disclose this?
  • If you conceived naturally, without fertility treatment, then you are automatically covered up to the 24th week of your pregnancy, no fuss. If you conceived through assisted reproductive services or have experienced any complications of pregnancy, you can apply for cover by completing our Medical Declaration Form.

  • 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.

  • Q. Where should I send my completed medical declaration form?
  • Please return a signed copy of your completed medical declaration form to [email protected]