Finder makes money from featured partners, but editorial opinions are our own.

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.

Not enough reviews Write a review
Cristal Dyer's headshot

By

Cristal Dyer

Updated

Fact checked

Start comparing

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.

Get a quote with Tick travel insurance

Add kids under the age of 1 by typing a “0” 0 traveller(s)

By submitting this form, you agree to our Privacy & Cookies Policy and Terms of Service

Check out this Tick deal

Tick Travel Insurance
Code

Get 10% off on Tick travel insurance policies

Use this code to get a 10% discount. T&Cs apply.
Show code
Finder Awards badge

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.

Taylor Blackburn's headshot
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

Check icon

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

plus icon

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.

cross icon

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

Cristal Dyer's headshot
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

More resources on Finder

More guides on Finder

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

60 Responses

    Default Gravatar
    jacquelineDecember 14, 2018

    I need a cover

      AvatarFinder
      JohnDecember 17, 2018Finder

      Hi Jacqueline,

      Thank you for reaching out to finder.

      Tick Travel Insurance Single Trip policy provides three levels of cover: Basic, Standard and Top. You can purchase cover from the Tick Travel Insurance website. The first step in the process is obtaining a free online quote. You may use the online quote available on this page to start the process. Hope this helps!

      Cheers,
      Reggie

    Default Gravatar
    GlendaOctober 17, 2018

    Does the standard family cover, cover motorcycle accident?

      AvatarFinder
      CharisseOctober 17, 2018Finder

      Hi Glenda,

      Thanks for reaching out to finder.

      Tick standard travel insurance policies do cover travelers riding two-wheeled or three-wheeled motor vehicle however there are certain requirements that must be met to be covered for this activity:

      -As the driver or passenger, you should be wearing a crash helmet at all times
      -As the driver, you should be holding a driver license appropriate for the country you are in. If you are using a motorcycle rated 125cc or higher, you must also hold a current and valid license for driving an equivalent rated motorcycle in Australia.

      You can also contact Tick insurance directly for further information about their travel insurance policies.

      I hope this helps.

      Cheers,
      Chariss

    Default Gravatar
    janetteOctober 10, 2018

    im insured with tick insurance travel my name is Janette. I was just wondering if you could send me a copy in the mail as I cant print it

      Default Gravatar
      JoelOctober 10, 2018

      Hi Janette,

      Thanks for leaving a question on finder.

      If you are looking to print your policy but unable to, you can instead save the file in your computer and have it printed in a computer shop or a friend who has a printer. However, you can contact Tick insurance directly to request for this if you go to their website and speak to their customer service.

      Please send me a message if you need anything else. :)

      Cheers,
      Joel

    Default Gravatar
    DaveOctober 1, 2018

    If my wife is traveling with me on this trip and I have included her into the system, can you explain what emergency companion cover relates to?

      AvatarFinder
      JeniOctober 2, 2018Finder

      Hi Dave,

      Thank you for getting in touch with finder.

      Basically, your travel companion is anyone who helps you carry your bag up a flight of stairs, looks out for you and shares the wonderful experience of travelling. You and your wife can take out travel insurance cover under one policy so you have the same level of coverage. Emergency companion cover covers the cost of additional travel and accommodation expenses if your travelling companion is unable to continue her journey due to illness or injury.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

    Default Gravatar
    PrimmerJune 20, 2018

    Can I get an email for my ins policy from 21/8 to 31/8

      Default Gravatar
      JoelJune 20, 2018

      Hi Primmer,

      Thanks for leaving a question on finder. Please note that we are is a financial comparison and information website that helps consumers make better decisions. We do not represent any of the providers we feature on our website.

      You can request for you policy directly by calling Tick at +612 9333 3963.

      Cheers,
      Joel

Go to site