Senior Soujourns
Step one
Single Trip|Annual Multi-Trip
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.
24/7 EMERGENCY
ASSISTANCE
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
COVER
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
OF COVER
Whether you’re after the bare essentials or fully comprehensive cover, TINZ offers a range of options forall types of travellers & budgets.
ITEMS
COVER
No doubt you’ll be taking a few expensive items away with you. Our plans provide different levels of cover for cameras phones and laptops.
TRAVEL INSURANCE OPTIONS
Don't pay more than you have to for seniors travel insurance. Whether you'revisiting old friends overseas, voyaging on a cruise or heading off ona new adventure, it's crucial you get the cover you need without paying too much for it.
DOMESTIC TRAVEL
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.
SKI INSURANCE
Looking for ski insurance? Snow problem! TINZ covers a range of winter sportsincludingskiing andsnowboarding.Simply select snow ski cover within the quote process..
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.
GROUP BOOKINGS
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...
PRE-EXISTING MEDICALCONDITIONS
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.
COMPARE OUR PLANS
Whether you’re looking for budget cover or after the full works, we have a travel insurance plan to suit your holiday.
COMPARE PLANS (Benefits are per adult)
Expand to see benefits in detail- Medical
- OVERSEAS EMERGENCY MEDICAL ASSISTANCE* 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements
- MEDICAL EXPENSES INCURRED OVERSEAS * Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.
- INLUDES DENTAL EXPENSES* Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth
- HOSPITAL CASH ALLOWANCE An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas
- ACCIDENTAL DEATH A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)
- PERMANENT DISABILITY* A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)
- Cancellation & Trip Disruption
- CANCELLATION FEES AND LOST DEPOSITS Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.
- ADDITIONAL ACCOMODATION & TRAVEL EXPENSES Covers the cost of additional travel and accommodation expenses incurred if you cannot continue on your journey because of an injury or sickness whilst overseas. (no excess applies)
- INCLUDES FAMILY EMERGENCY Cover for additional travel expenses such as your return flight to New Zealand if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)
- INCLUDES EMERGENCY COMPANION COVER Additional accommodation and travel expenses you incur to remain with your travelling companion. (no excess applies)
- RESUMPTION OF JOURNEY* Reimbursem*nt for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)
- DISTRUPTION OF JOURNEY* Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circ*mstances beyond your control. (no excess applies)
- ALTERNATIVE TRANSPORT EXPENSES* Reasonable travel expenses incurred to reach special events such as weddings, funerals, conferences and sporting events on time following transport delays beyond your control. (no excess applies)
- Luggage & Personal Items
- LUGGAGE AND PERSONAL EFFECTS Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
- TRAVEL DOCUMENTS & CREDIT CARDS* Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
- THEFT OF CASH* Cover for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey.
- LUGGAGE & PERSONAL EFFECTS DELAY EXPENSES* Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)
- Personal Liability
- PERSONAL LIABILITY Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
- Rental Vehicle Excess
- RENTAL VEHICLE EXCESS Cover for the excess payable on your rental car's insurance in the event of accidental damage or theft during the car rental period.
- Terrorism
- OVERSEAS MEDICAL EXPENSES* Hospital and medical expenses incurred overseas as a result of an injury arsing from an act of terrorism.
- CANCELLATION & REARRANGEMENT* Irrecoverable costs to cancel or rearrange your travel and accommodation following terrorist threats and a subsequent upgrade in travel advice for a planned travel destination directly affected. (no excess applies)
- EVACUATION & CURTAILMENT* Evacuation to the nearest place of safety and alternative accommodation and travel expenses for you to resume your journey or return to New Zealand.
- HIJACK AND KIDNAP* If you are kidnapped, or the aircraft or vessel you are travelling on is hijacked, we will pay for each 24-hour period that you are held captive.
- Loss of Income
- LOSS OF INCOME* Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to New Zealand. (no excess applies)
Essentials
- Unlimited
- Unlimited
- Unlimited
- $500
- Nil
- Nil
- Nil
- $10,000
- $10,000
- Nil
- Nil
- Nil
- Nil
- Nil
- Nil
- $5,000
- $5,000
- Nil
- Nil
- Nil
- $5 Million
- $5 Million
- Nil
- Nil
- $10 Million
- $10 Million
- Nil
- Nil
- Nil
- Nil
- Nil
Comprehensive
- Unlimited
- Unlimited
- Unlimited
- $1,000
- $5,000
- $15,000
- $15,000
- $25,000
- $25,000
- $25,000
- YES
- YES
- $3,000
- $1,000
- $5,000
- $15,000
- $15,000
- $2,500
- $250
- $250
- $5 Million
- $5 Million
- $6,000
- $6,000
- $10 Million
- $10 Million
- Nil
- Nil
- Nil
- $10,400
- $10,400
Comprehensive Plus
- Unlimited
- Unlimited
- Unlimited
- $2,500
- $5,000
- $25,000
- $25,000
- Unlimited
- Unlimited
- $50,000
- YES
- YES
- $3,000
- $1,000
- $5,000
- $25,000
- $25,000
- $5,000
- $250
- $1,000
- $5 Million
- $5 Million
- $6,000
- $6,000
- $10 Million
- $10 Million
- $5,000
- $5,000
- $7,500
- $10,400
- $10,400
Essentials
See benefits 
- OVERSEAS EMERGENCY MEDICAL ASSISTANCE^
- Unlimited
- MEDICAL EXPENSES INCURRED OVERSEAS ^
- Unlimited
- INLUDES DENTAL EXPENSES^
- 500
- HOSPITAL CASH ALLOWANCE
- Nil
- ACCIDENTAL DEATH
- Nil
- PERMANENT DISABILITY^
- Nil
- CANCELLATION FEES AND LOST DEPOSITS
- 10,000
- ADDITIONAL ACCOMODATION & TRAVEL EXPENSES
- Nil
- INCLUDES FAMILY EMERGENCY
- Nil
- INCLUDES EMERGENCY COMPANION COVER
- Nil
- TRAVEL SERVICES PROVIDER INSOLVENCY
- Nil
- RESUMPTION OF JOURNEY^
- Nil
- DISTRUPTION OF JOURNEY^
- Nil
- ALTERNATIVE TRANSPORT EXPENSES^
- Nil
- LUGGAGE AND PERSONAL EFFECTS
- 5,000
- TRAVEL DOCUMENTS & CREDIT CARDS
- Nil
- THEFT OF CASH^
- Nil
- LUGGAGE & PERSONAL EFFECTS DELAY EXPENSES^
- Nil
- PERSONAL LIABILITY
- 5 Million
- RENTAL VEHICLE EXCESS
- Nil
- OVERSEAS MEDICAL EXPENSES
- Unlimited
- REARRANGEMENT OR REPATRIATION
- Nil
- HIJACK AND KIDNAP^
- Nil
- LOSS OF INCOME^
- Nil
Comprehensive
See benefits
- OVERSEAS EMERGENCY MEDICAL ASSISTANCE^
- Unlimited
- MEDICAL EXPENSES INCURRED OVERSEAS ^
- Unlimited
- INLUDES DENTAL EXPENSES^
- 1,000
- HOSPITAL CASH ALLOWANCE
- 5,000
- ACCIDENTAL DEATH
- 15,000
- PERMANENT DISABILITY^
- 15,000
- CANCELLATION FEES AND LOST DEPOSITS
- 25,000
- ADDITIONAL ACCOMODATION & TRAVEL EXPENSES
- 25,000
- INCLUDES FAMILY EMERGENCY
- YES
- INCLUDES EMERGENCY COMPANION COVER
- YES
- TRAVEL SERVICES PROVIDER INSOLVENCY
- Nil
- RESUMPTION OF JOURNEY^
- 3,000
- DISTRUPTION OF JOURNEY^
- 1,000
- ALTERNATIVE TRANSPORT EXPENSES^
- 5,000
- LUGGAGE AND PERSONAL EFFECTS
- 15,000
- TRAVEL DOCUMENTS & CREDIT CARDS
- 2,500
- THEFT OF CASH^
- 250
- LUGGAGE & PERSONAL EFFECTS DELAY EXPENSES^
- 250
- PERSONAL LIABILITY
- 5 Million
- RENTAL VEHICLE EXCESS
- 6,000
- OVERSEAS MEDICAL EXPENSES
- Unlimited
- REARRANGEMENT OR REPATRIATION
- Nil
- HIJACK AND KIDNAP^
- Nil
- LOSS OF INCOME^
- 10,400
Comprehensive Plus
See benefits
- OVERSEAS EMERGENCY MEDICAL ASSISTANCE^
- Unlimited
- MEDICAL EXPENSES INCURRED OVERSEAS ^
- Unlimited
- INLUDES DENTAL EXPENSES^
- 2,500
- HOSPITAL CASH ALLOWANCE
- 5,000
- ACCIDENTAL DEATH
- 25,000
- PERMANENT DISABILITY^
- 25,000
- CANCELLATION FEES AND LOST DEPOSITS
- Unlimited
- ADDITIONAL ACCOMODATION & TRAVEL EXPENSES
- 50,000
- INCLUDES FAMILY EMERGENCY
- YES
- INCLUDES EMERGENCY COMPANION COVER
- YES
- TRAVEL SERVICES PROVIDER INSOLVENCY
- 10,000
- RESUMPTION OF JOURNEY^
- 3,000
- DISTRUPTION OF JOURNEY^
- 1,000
- ALTERNATIVE TRANSPORT EXPENSES^
- 5,000
- LUGGAGE AND PERSONAL EFFECTS
- 25,000
- TRAVEL DOCUMENTS & CREDIT CARDS
- 5,000
- THEFT OF CASH^
- 250
- LUGGAGE & PERSONAL EFFECTS DELAY EXPENSES^
- 1,000
- PERSONAL LIABILITY
- 5 Million
- RENTAL VEHICLE EXCESS
- 6,000
- OVERSEAS MEDICAL EXPENSES
- Unlimited
- REARRANGEMENT OR REPATRIATION
- 5,000
- HIJACK AND KIDNAP^
- 7,500
- LOSS OF INCOME^
- 10,400
If you claim for the same or similar services/facilities under Sections 6, 7, 7A and/or 7B, we will only pay the higher of the two amounts, not both. Sub-limits may apply, please refer to the relevant sections in the Policy Wording.
* means that the benefit is not covered while travelling in New Zealand.
FREQUENT TRAVELLER TRAVEL INSURANCE
Get comprehensive cover all year round. If you’re planning several trips this year a frequent traveller policy can save you time and money.
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 tocustomers under the age of 64.
GET A QUOTE
SENIORS TRAVELINSURANCE FAQ's
You've reached retirement and finally havethe freedom to travel and explore new
parts of the world. Before adventuring across the globe to visit the grandkids or new sights, it'simportant 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 Document for section exclusions.
Q. WHAT ITEMS DO YOU COVER?
No doubt you’ll be taking a few expensive items away with you. Our plans provide different levels of cover for cameras phones and laptops.
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 circ*mstances out of your control such as sudden illness, accidents, natural disaster and more. For more detail see our Policy Document.
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.
