On the fence and not sure which provider to go with? If you’re toying between
Southern Cross Travel Insurance and TINZ, our handy guide makes it easy to help you find the right cover for your trip.
Deciding which travel insurer to go with is always tough. With so many options in the market, it's hard to be confident that your chosen insurer is right for your holiday. A good way to be sure is to compare a few policies to make sure you are getting the most cover for your money. To help you out, we've highlighted the biggest differences between TINZ & Southern Cross to help you find the right cover for your holiday.
Cover types: Southern Cross have one plan available called TravelCare, TINZ has three. With TINZ you can choose between Essentials, Comprehensive or Comprehensive Plus to tailor the appropriate level of cover for your trip. Compare our plans to get a feel on the different levels of cover available.
Cancellation cover: TINZ offers unlimited cancellation cover. If you need to cancel your holiday for a covered, unforeseen sickness, injury or natural disaster (for example) your pre-paid expenses would be covered. Southern Cross offers limited cancellation cover of $2,500 if you need to cancel before your trip has started, however you have the option to pay an additional premium and increase cover to $5,000, $10,000 or unlimited.
Terrorism cover: Should a terror attack affect your trip TINZ will cover you to cancel your holiday and be reimbursed for all your out-of-pocket expenses. *Conditions apply. Southern Cross do not have any travel insurance benefits relating to terrorism at all.
Family holidays: Southern Cross provide policies for 2 adults, whereas TINZ allows group of up to 25 travellers.
Pregnancy: If you’re looking for that last minute babymoon, make sure you select the right insurer that will cover you to your gestation limit. Southern Cross covers mums-to-be to 20 weeks (single pregnancy) and TINZ is 24 (single pregnancy).
Riding a bike or moped: Even if you're adequately licensed, Southern Cross do not cover for any form of motorbike riding over 200cc. Whereas with TINZ, if you are fully licensed in New Zealand and the country you are travelling to, we do not stop you from riding a bike of whatever engine size you are licenced to ride.
Visitors: Southern Cross cover non-residents on working holidays, guardian visas, and more, TINZ does not cover any one other than permanent residents of NZ.
Domestic cover: Southern Cross does not have a domestic plan for travel purely within New Zealand. TINZ's domestic policy covers travellers for trips of up to 92 days domestically at a time.
Already overseas: If you forgot to buy cover before you departed for your trip, you can rely on TINZ's already overseas cover. Southern Cross require you to have a start date and end date in NZ in order to purchase a policy.
(Cover limits shown are per person)
Award winning
Five Stars for Outstanding Value International Travel Insurance 2018
Five Stars for Outstanding Value International Travel Insurance 2018
Accidental death
$25,000
$25,000
Age limits
100 years
No age limit (Comprehensivie Plus, Comprehensive, Essentials, Domestic, Frequent Traveller plans only)
Alternative transport
$3,000
$5,000
Annual multi-trip Limits
30, 60, 90 days
15 or 30 day options (64 and under) Trips must be more than 100k from home
Already overseas
No cover
Yes available to travellers aged 64 and under with a $250 excess
Cancellations before you leave
$2,500
Unlimited
Cancellations/changes after you've left
$50,000
Unlimited
Climbing
3,000 max altitude, no cover if oxygen or ropes are needed
5,000 altitude
Cooling off period
14 days (if you cancel after cooling off, but before your holiday you will be charged $35 cancellation premium)
14 days
Cruising
Automatically covered
Automatically covered
Domestic trips
No stand alone domestic policy available
92 day trip limits
Dependants
Under 21 years
Under 19 years
Excess
$0, $100, $250
$200, can double to $400
Groups
2 adults
25 travellers
Hijack & kidnap
No
$7,500
Insolvency
No
No
Loss of income
$6,500 (for a maximum of 13 weeks)
$10,400 (for a maximum of 26 weeks)
Luggage, theft damage
$25,000
$25,000
Luggage delay
$1,000 (after 12 hours)
$1,000 (after 12 hours)
Medical
Unlimited
Unlimited
Mopeds, scooters
Must buy moped and motorbike cover in order to be covered. Only cover up to 200cc
Automatic cover and no engine size restrictions so long as policyholder holds appropriate license in NZ and overseas. You can only ride a 50cc bike if you don't have a motorbike licence
Non-residents
For overseas travel if you have a visa which gives access to publicly funded health and disability services in NZ
Only cover for NZ citizens or permanent visa holders
Natural events
Only cover once holiday has started
Covered from the time you buy your policy
One way cover
Their working overseas cover is available if you have a one way ticket
Only available for one way travel back to NZ from overseas
Permanent disability
$25,000
$25,000
Personal liability
$1,000,000
$5,000,000
Pregnancy
20 weeks (single, multiple, IVF)
24 weeks (single pregnancy) 19 weeks (multiple pregnancy). IVF pregnancy are treated the same as a non-assisted pregnancy.
Repatriation & funeral expenses
$15,000
$15,000
Rental vehicle excess
$5,000 ( no more than 8 people per vehicle)
$6,000
Single trip limits
12 months
18 months (under 69 yrs)
Sailing
12 nautical miles
Not racing
Skiing
With ski pack
With ski pack
Terrorism (medical)
$100,000
$10 Million
Terrorism (trip cancellation before you've left)
No
Yes, if one week before you are due to travel the NZ government upgrades it’s travel advisory warning to advise against travel
Theft of cash
$1,000
$250
Underwriter
Southern Cross Benefits Limited Trading
HDI Global Specialty SE - New Zealand
Unrest, riots (before you leave)
No
Yes
Unspecified items (laptops, tablets, cameras)
$3,000
$3,000
Unspecified items (all other items)
$1,500
$1,000
Visitors to NZ
Yes
No
| BENEFIT | SOUTHERN CROSS | TINZ |
|---|---|---|
| Accidental death | $25,000 | $25,000 |
| Age limits | 100 years | No age limit |
| Alternative transport | $3,000 | $5,000 |
| Annual multi-trip Limits | 30, 60, 90 days | 15 or 30 day options (64 and under) Trips must be more than 100k from home |
| Already overseas | No cover | Yes available to travellers aged 74 and under |
| Cancellations before you leave | $2,500 | Unlimited |
| Cancellations/changes after you've left | $50,000 | Unlimited |
| Climbing | 3,000 max altitude, no cover if oxygen or ropes are needed | 5,000 altitude |
| Cooling off period | 14 days (if you cancel after cooling off, but before your holiday you will be charged $35 cancellation premium) | 14 days |
| Cruising | Automatically covered | Automatically covered |
| Domestic trips | No stand alone domestic policy available | 3 month policy, no age limits |
| Dependants | Under 21 years | Under 19 years |
| Excess | $0, $100, $250 | $200, can reduce to $100 |
| Groups | 2 adults | 25 travellers |
| Hijack & kidnap | No | $7,500 |
| Insolvency | No | No |
| Loss of income | $6,500 (after 90 days of suffering injury, for a maximum of 13 weeks) | $10,400 (after 30 days of suffering injury, for a maximum of 26 weeks) |
| Luggage, theft damage | $25,000 | $25,000 |
| Luggage delay | $1,000 (after 12 hours) | $1,000 (after 12 hours) |
| Medical | Unlimited | Unlimited |
| Mopeds, scooters | Must buy moped and motorbike cover in order to be covered. Only cover up to 200cc | Automatic cover and no engine size restrictions so long as policyholder holds appropriate license in NZ and overseas. You can only ride a 50cc bike if you only hold a driving license |
| Non-residents | For overseas travel if you have a visa which gives access to publicly funded health and disability services in NZ | Only cover for NZ citizens or permanent visa holders |
| Natural events | Only cover once holiday has started | Covered from the time you buy your policy |
| One way cover | No | Only available for one way travel back to NZ from overseas |
| Permanent disability | $25,000 | $25,000 |
| Personal liability | $1,000,000 | $5,000,000 |
| Pregnancy | 20 weeks (single, multiple, IVF) | 24 weeks (single, IVF) 19 weeks (multiple, IVF) |
| Repatriation & funeral expenses | $15,000 | $15,000 |
| Rental vehicle excess | $5,000 (no more than 8 people per vehicle) | $6,000 |
| Single trip limits | 12 months | 18 months (under 69 yrs) |
| Sailing | 12 nautical miles | Not racing, inside territorial waters |
| Skiing | With ski pack | With ski pack |
| Terrorism (medical) | $100,000 | Unlimited |
| Terrorism (trip cancellation before you've left) | No | Yes, if one week before you are due to travel the NZ government upgrades it’s travel advisory warning to advise against travel |
| Theft of cash | $1,000 | $250 |
| Underwriter | Southern Cross Benefits Limited Trading | HDI Global Specialty SE - New Zealand |
| Unrest, riots (before you leave) | No | Yes |
| Unspecified items (laptops, tablets, cameras) | $3,000 | $3,000 |
| Unspecified items (all other items) | $1,500 | $1,000 |
| Visitors to NZ | Yes | No |
The founders of TINZ are pioneers of the online travel insurance industry and have been selling insurance for 20+ years. All TINZ travel insurance plans are underwritten by HDI Global Specialty SE – New Zealand. A global company who provides a broad range of insurance solutions in more than 175 countries. We at TINZ, are a passionate, energetic breed with a deep understanding of insurance and travel patterns. We understand that everyone has a unique journey with varying needs. Which is why our products have 3 levels of cover to choose from with optional extras that allow you to tailor your insurance to your trip.
TINZ prices are competitive. We’re passionate about providing the best travel insurance that money can buy. We only charge you for extras, meaning you can get more cover for less. Get a quote at the top of the page to get a specific quote for your holiday.
We have a money back guarantee! You can cancel your policy for any reason within 14 days if haven’t started your journey. You will receive a full refund. No questions asked.
Whether you’re after the bare essentials or fully comprehensive cover, TINZ offers a range of options for all types of travellers & budgets. 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.
We automatically cover 35 pre-existing medical conditions for free. We also cover many more conditions, assessed on a case by case basis. Complete our medical assessment during the quote process to see if we can cover your condition.
