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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.
Winner for Travel Insurance Customer Satifaction Awards 2023
Summary of Tick's Top policy
Overseas Medical and Hospital Expenses
Unlimited
Cancellation and Amendment Fees
$20,000
Luggage and Personal Effects
$7,500
Maximum Age Limit
100
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
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:
Basic
Budget
Standard
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.
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."
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
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.
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
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.
Yes, Tick Travel Insurance can be a good option for many types of travellers. You'll find some generous benefit limits and nice-to-have extras with its top-tier policies. You'll just need to make sure you review the PDS to make sure Tick will cover you for everything you've got planned on your trip.
You can contact Tick's emergency assistance line on +612 9333 3963 and general enquiries can be sent to info@tickinsurance.com.au.
Tick Travel Insurance has a 14 day cooling off period. As long as you have not begun your trip or made any claims, you can cancel your policy during this time and receive a refund.
Cancellation after this 14 days period is still possible but will be a refund of the proportion of the premium for the outstanding period of cover less any government charges and taxes that Tick cannot recover.
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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Is ambulance cover included in your travel insurance policies?
Thanks,
Karen
Finder
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
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
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
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?
Finder
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
GeorgeneMarch 25, 2019
I would like to know if quote is for both travelers
Finder
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
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?
Finder
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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Is ambulance cover included in your travel insurance policies?
Thanks,
Karen
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
I purchased tick insurance 5/7/2019 for travel Oct/Nov 14 day cruise am I covered from this date until trip end
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
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?
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
I would like to know if quote is for both travelers
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
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?
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