golden year getaways





seniors travel insurance

Now that you’re a roaming retiree, you can finally take the time to explore all those dream destinations. No matter your age, TINZ offers seniors comprehensive travel insurance for maximum peace of mind.  

emergency cover

24/7 emergency

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.

pre existing conditions


Don’t let a pre-existing medical condition hinder your travels. We cover 35 existing medical conditions automatically for free.

Age limits


What age limits? We don’t discriminate. Persons of any age can buy a policy from TINZ. Sometimes trip duration restrictions apply.

cruise insurance


Planning a cruise?  We’re on board with you and don’t charge any extra if you’re heading on a cruise. With TINZ, you’re covered from ship to shore

Travel delays


Delays are a common frustration when travelling.  Our travel insurance provides you with compensation if you’re delayed for more than six hours

cancellation cover


Don’t lose out if you have to cancel your trip. We offer cover if you can no longer travel or have to return home early due to unforeseen events.

Choice for Seniors


Whether you’re after the bare essentials or fully comprehensive cover, TINZ offers a range of options for all types of travellers & budgets.

grandchildren free


Yep that’s right folks! Grandchildren under 21 and not in full time employment are covered under your policy for no additional cost.



Don't pay more than you have to for seniors travel insurance. Whether you're visiting old friends overseas, voyaging on a cruise or heading off on a new adventure, it's crucial you get the cover you need without paying too much for it.


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 including skiing and snowboarding. Simply select snow ski cover within the quote insurance

Adventure Activities

If you are feeling young at heart and looking for adventure on your holiday, be sure to add our sports and activities pack to your cover.


Are you travelling with a group of friends, 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 precious valuables as separate items to ensure that you're fully covered...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 a frequent traveller policy can save you time and money.

frequent traveller seniors annual multi trip seniors senior cruise cover

Our annual multi-trip policy covers an unlimited number of trips over a 12 month period. We give you the same level of cover as our comprehensive international plan, meaning you get full coverage for less.
You can tailor your individual trip duration from 15 days up to 90 days.
Please note this policy is only available to customers under the age of 64.





 seniors travel insurance FAQ's

You've reached retirement and finally have the freedom to travel and explore new
parts of the world. Before adventuring across the globe to visit the grandkids or new sights, it's important to get the right cover.

  • q. Are there any 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. Those over 70 can purchase a policy for a maximum trip duration of six months only.

  • Q. Can I buy a policy if I have pre-existing medical conditions?
  • Yes, of course. Having a pre-existing condition shouldn’t stop you from travelling and seeing the world! Some conditions are automatically covered, while others will require some further detail from you before we can proceed. Please visit our pre-existing medical conditions page to get started.

  • Q. Are there any conditions you do not cover?
  • Regretfully there are some conditions we do exclude from cover. If you require oxygen for your holiday, are suffering from chronic renal failure, have been diagnosed with aids, are awaiting organ transplant or have a terminal prognosis we will not be able to cover your condition. However, you can still purchase a policy that will cover you for a range of additional benefits such as travel delays or lost luggage. Please refer to the policy wording (PDS) for section exclusions.

  • Q. Are my grandchildren really covered for free? 
  • Yes they sure are! At TINZ your ‘dependant’ grandchildren are insured for no additional cost as long as they are under 21 and not in full time employment.

  • Q: Do I need to purchase separate cruise cover? 
  • No, we don’t charge any extra if you’re heading on a cruise. With TINZ, you’re covered from ship to shore.

  • Q) Am I covered if I am travelling on a cruise liner within New Zealand waters?
  • Travellers on domestic cruises in New Zealand Waters must purchase an international travel insurance plan to ensure cover is available for emergency assistance and medical and hospital expenses when onboard.

  • Q: Am I covered if I fall over and break a hip?
  • Yes, all our policies cover for unlimited medical benefits. If you were to have an unforeseen accident on holiday your medical expenses would be covered.

  • Q. Am I covered if I want to cancel my holiday?
  • Think hard before booking your trip as you are not covered for change of mind. Our cancellation benefits will cover you for transport and accommodation expenses if you experience delays or cancellation of your travel plans due to unforeseen reasons. For instance, you would be covered for circumstances out of your control such as sudden illness, accidents, natural disaster and more. For more detail see our PDS.

  • Q. Is my luggage covered?
  • Yes! Provided you look after luggage and do not leave it unattended we cover you for theft, damage, delay and loss of your luggage and personal items.