Tick Travel Insurance

Our verdict: Competitive policies on offer, whether you’re 19 or 99 but you’ll want to read the policy wording carefully to make sure you’re covered for everything you might need.

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Cristal Dyer

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Pros

  • Tick is one of the handful of travel insurance providers that offer specific cover for COVID-19 expenses.
  • The budget option still includes some hefty benefits, including $2,000 worth of cover for baggage and $1,000,000 for personal liability.

Cons

  • There is currently no cover for cruise travel or those looking for an annual policy to cover multiple trips.

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Congratulations, Tick!

Tick received the following awards in the 2024 Product Awards and 2024 Customer Satisfaction Awards:

  • 'Travel Insurance - Domestic' - Winner
  • 'Travel Insurance - Comprehensive' - Winner
  • 'Travel Insurance - Value' - Highly Commended
  • Travel Insurance - Top Value Brand (Winner)
  • Travel Insurance - Loved Brand (Highly Commended)
  • Travel Insurance - Quality Service Brand (Highly Commended)

Summary of Tick's Top policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment Fees$20,000
Luggage and Personal Effects$7,500
Maximum Age Limit100

Table updated June 2024

Tick Travel Insurance: Covid-19

Tick Travel Insurance is one of a few providers that offer some Covid-19 cover for both overseas and domestic trips. These are some of the key benefits found in Tick's Standard and Top policies:

  • Overseas medical expenses including emergency hospital, surgical, ambulance and repatriation costs
  • Cancellation or trip disruption if the amendment of your trip is necessary and unavoidable as a result of being diagnosed with COVID-19 after you purchase the policy
  • Additional travel and accommodation costs including quarantine, excursions and activities
  • Additional travel expenses that are incurred after departure, where you need to catch up to your original schedule

If you want to know which other insurers offer pandemic cover, we've compared all the providers that cover Covid-19 expenses.

What do Australians think of Tick Travel Insurance travel insurance?

  • 4.45/5 overall for Customer Satisfaction — higher than the average of 4.26
  • 4.64/5 for Trust — higher than the average of 4.57
  • 4.41/5 for Customer Service — higher than the average of 4.2

Based on Tick Travel Insurance travel insurance scores in Finder's 2024 Customer Satisfaction Awards.

What policies do Tick offer?

Choose from four tiers of policies based on how much cover you think you'll need on holiday: Basic, Budget, Standard or Top. Here are some of the main insured events a Tick travel insurance policy can cover you for:

Luggage

Basic

Backpack

Budget

Passport

Standard

Travel plane luggage passport

Top

The insurance is issued and underwritten by Mitsui Sumitomo Insurance Company, Limited and comes with a cooling-off period and a $200 standard excess.

The cooling-off period is 14 days and allows you to cancel your policy within this period for a full refund if you decide it is no longer suitable. The excess is the amount you're required to pay when you make a claim. With Tick travel insurance, you can choose to remove the excess and pay an additional premium or double it to reduce your premium.

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Our expert says

"I normally get my travel insurance through my credit card, but Bali insisted that visitors have additional COVID cover in 2022 when they opened borders. As a result, I got cover for my wife and myself for $93 through Tick for the week that we were there. We didn't need to claim, but it was the cheapest option that provided COVID cover."

Money expert

Here's a breakdown of Tick travel insurance features

Standard features
Optional add-on
Exclusions

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Standard features

Tick Travel Insurance policies have a lot of benefits that can cover you for a wide variety of travel-related mishaps. Here are some of the key policy benefits to help you decide if Tick is the right provider for you:

  • Accidental death and permanent disability
  • Additional emergency expenses
  • Canceling your trip before departure
  • Delayed baggage
  • Loss of income
  • Overseas medical expenses
  • Passport and travel documents
  • Personal belongings and baggage
  • Personal liability
  • Pet care
  • Rental car excess waiver
  • Travel delay expenses

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Optional add-on

With Tick Travel Insurance, you can tailor your policy with add-ons based on what you'll be doing on your holiday. Make sure to review the product disclosure statement (PDS) in full, so you know exactly what you'll be covered for.

  • Additional specified items cover. You can take out up to $4,000 of cover for a single valuable item or up to $6,000 of cover for combined items.
  • Natural disaster cover. This add-on may cover you for cancelling your trip before departure, having to cut your trip short and additional emergency expenses in the event of a natural disaster. Benefits vary between the different levels of cover. If you want cover for all, though, opt for the Standard or Top cover.
  • Winter sports cover. This option provides up to $1,250 of cover when your winter sports equipment is lost, stolen or damaged. Cover is also included for winter sports equipment hire, lift passes, ski packs, piste closure and avalanches.

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Exclusions

​​As with any travel insurance brand, there are certain occasions when your claim may not be paid. Some of Tick Travel Insurance's general exclusions include:

  • Travel to Afghanistan, Antarctica, Chad, Crimea, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, North Korea, Pakistan, Russia, Somalia, Sudan, Syria, Uganda, Venezuela, Yemen and Zimbabwe or through an area designated as "Do Not Travel" by SmartTraveller.gov.au
  • Travel on a commercial cruise for longer than 2 hours
  • Travellers under the age of 16 years unsupervised by an adult during the trip
  • If you are or will be more than 30 weeks pregnant
  • Travel against the advice of a medical practitioner, if you know you'll need
    medical treatment during your trip or if you're travelling to get medical treatment
  • Travel for the purpose of humanitarian or missionary work, manual labour or working
    with animals
  • Suicide, attempted suicide, self harm, self-injury or you deliberately putting yourself in danger
  • The use of a two- or three-wheeled motor vehicle unless you are wearing a crash helmet (this is irrespective of the law in the country you are in)

Make sure you review Tick's PDS for full details of what is and isn't covered.

How to make a Tick claim

  • Head to https://quote.tickinsurance.com.au/policylogin.aspx
  • Enter your policy number, surname and date of birth to log in
  • Complete your claim details by answering all sections
  • Upload any documents relevant to your claim
  • Submit and your claim should be evaluated within 10 business days

Here's the bottom line about Tick Travel Insurance

Tick serves up some important benefits such as unlimited overseas medical cover and up to $20,000 for trip cancellation expenses. Some nice-to-have features such as loss of income cover and pet care expenses might be just what you're looking for in a travel insurance policy.

Where Tick might fall short for you, is when it comes to time to claim. Certain benefits don't kick in unless you meet very specific criteria. Travel delay expenses, for example, aren't claimable unless you've been delayed for more than 12 hours. Many other insurers will cover you after a 6-hour delay.

Purchasing a travel insurance policy does take a bit of pre-reading and with Tick travel insurance, this is even more important. Take the time to read the Product Disclosure Statement in full so you'll be confident that you're getting the right amount of cover for your trip.

If you're still not sure about Tick, you can compare other travel insurance companies here.

Frequently asked questions

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Written by

Writer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio

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60 Responses

    Default Gravatar
    KarenOctober 11, 2019

    Is ambulance cover included in your travel insurance policies?

    Thanks,
    Karen

      AvatarFinder
      JeniOctober 12, 2019Finder

      Hi Karen,

      Thank you for getting in touch with Finder.

      Under Tick Travel Insurance’s Medical and Hospital benefits, they will cover ambulance cost if you need that as part of the medical treatment while overseas. For more info on what you will be covered, please reach out to Tick Travel directly.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

    Default Gravatar
    kenJuly 6, 2019

    I purchased tick insurance 5/7/2019 for travel Oct/Nov 14 day cruise am I covered from this date until trip end

      Default Gravatar
      NikkiJuly 6, 2019

      Hi Ken,

      Thanks for your inquiry.

      You are covered from the start to end date of your trip for as long as you let Tick Travel know of your exact travel dates.

      Hope this helps!

      Best,
      Nikki

    Default Gravatar
    PeterJune 18, 2019

    I have Tick Travel insurance for my trip to North America, Central America and Hong Kong. I have gone to a travel specialist doctor for advice and prescription medicine associated with this trip. Can I claim any of this back on travel insurance?

      AvatarFinder
      JeniJune 19, 2019Finder

      Hi Peter,

      Thank you for getting in touch with Finder.

      Most standard travel insurance policies do not cover loss or theft of prescription drugs. If you’ll be taking regular medication during your trip, you generally won’t be able to find cover for them as the drugs are for a pre-existing condition. However, if you are hospitalised overseas and are prescribed medication for a new ailment, you may be able to make a claim under the overseas medical section of your policy.

      Please contact Tick Travel directly regarding your prescription drugs.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

    Default Gravatar
    GeorgeneMarch 25, 2019

    I would like to know if quote is for both travelers

      AvatarFinder
      JeniMarch 26, 2019Finder

      Hi Georgene,

      Thank you for getting in touch with Finder.

      The quotes are for the number of travellers you entered under the “Who is travelling?”. If you enter just your age then the quote will just be for one traveller – you.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

    Default Gravatar
    TaniaMarch 20, 2019

    Do you cover natural disaster such as volcanoes. I understand that some insurers do not cover active volcanoes but what about the non active ones?

      AvatarFinder
      JeniMarch 21, 2019Finder

      Hi Tania,

      Thank you for getting in touch with Finder.

      As with other natural disasters, volcanoes are typically included in natural disaster cover but you need to purchase the policy before the eruption becomes a “known event.” Experts can detect tremors months before a volcano actually erupts and many insurers will consider it a known event at the first possible detection. So it is important to purchase your travel insurance as soon as you’ve booked your trip.

      If you consider getting a travel insurance with Tick, kindly enter all details asked on the table then click on the green get quote button to start comparing your options. Once you have decided which to go with, please click on the Go to site button and you’ll be redirected to Tick’s official page where you may learn more about their products and even start applying for a travel insurance.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

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