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.
At TINZ, we treat pre-existing medical conditions in two ways:
If your condition is listed above, but you do not meet the criteria for automatic cover, you can apply for cover by completing our quick online medical assessment. This can be completed after you have received quotes for your holiday. A full list of these conditions can be found within the Policy Wording.
(GLUTEN INTOLERANCE)
Providing you have not had any seizures in the past 12 months, and you are on no more than one anticonvulsant medication
HEARTBURN, INDIGESTION
(Increased ocular pressure)
Provided you do not also suffer from a known cardiovascular disease
Provided you do not also suffer from a known cardiovascular disease
Including Hashimoto's disease
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. Provided you are under 50 years of age at the date of the policy issue
Provided you do not have osteoporosis
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.
To add a Pre existing medical condition(s), you MUST let us know at the time you buy your Policy and complete the online medical assessment. We will ask you some questions about your health and then determine whether we can offer you cover and if so, on what terms.
Depending on your condition, we may decline to cover you, limit the amount of cover, exclude specific medical condition and/or agree to provide cover for an additional premium.
Each condition that we agree to cover will be noted on your Certificate of Insurance after you pay any applicable additional premium. You are not covered unless the condition is noted on your Certificate of Insurance.
We will only pay for treatment that was not expected at the time we agreed to insure you.
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 continue to assess your medical conditions online.
To receive a price to cover your medical condition, you should first obtain a travel insurance quote on the homepage and follow the prompts to apply for cover by assessment. Can't find the medical questionnaire? It's after you've entered the travellers names and addresses in the quote process.
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.
We've got rid of lengthy paper forms. Our online medical screening process is very quick. You will be asked a series of questions to assess your condition which usually takes no longer than 2-3 minutes to get an answer.
You are automatically covered up to and inclusive of the 24th week for single foetus pregnancies and up to and inclusive of 19th week for multiple pregnancies. If you have had complications of this pregnancy you MUST complete our online medical assessment. Once this happens we will assess your application and decide whether and to what extent we can offer you insurance for your pregnancy and/or journey. If you have not told us about the circumstances of your pregnancy when you were required to do so, we may refuse your claim or reduce it to the amount we would have paid had you given us the required information.
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.
