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 one of three ways:
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.
Providing you have not had any seizures in the past 12 months, and you are on no more than one anticonvulsant medication
Provided you do not also suffer from a known cardiovascular disease
High Blood Pressure Provided you do not also suffer from a known cardiovascular disease and your most recent reading is less than 165/95
Glucose intolerance, pre-diabetes
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.
Our friendly team are happy to help out with any questions. Simply call 0800 699 070 to speak to one of our specialists.
We would not be able to cover your condition if the following circumstances applied to you:
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.
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.
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.
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.
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.
It will take between 24-48 working hours
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.
No, you cannot apply for cover for a medical condition once you have left New Zealand.
If more than one traveller needs to apply for cover for a medical condition each applicant will need to complete a separate application form.