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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.
Travel Insurance - Quality Service Brand (Highly Commended)
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
Compare Travel Insurance Direct policies online to save time and money. Travel Insurance Direct offers various policies including Annual multi-trip, The Works, The Basics and Domestic travel.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
What is meant by “Pet Care” and what does it cover?
Finder
JeniMay 22, 2018Finder
Hi Peter,
Thank you for getting in touch with finder.
As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.
Do you have pets that you leave at home while traveling?
If your flight is delayed by more than 24 hours on your final flight home and your pet is in a kennel or cattery, they’ll cover vet fees if your pet is injured during that time and the additional boarding costs up to the limits in the policy.
I hope this helps.
Have a great day!
Cheers,
Jeni
KylieJanuary 26, 2018
I have a tick travel insurance policy for a recent holiday in Bali when we got to the villa we had booked and paid for it wasn’t safe and in disgusting filthy conditions and with 2 babies I just couldn’t stay there and had to find alternate emergency accommodation can I claim this?
Finder
RenchFebruary 1, 2018Finder
Hi Kylie,
Thanks for reaching out to us. Please note that we are not affiliated with Tick Travel Insurance or any company we feature on our site and so we can only offer you general advice.
With Tick Travel Insurance, you will be covered for additional accommodation, transport and meals expenses you incur as a result an emergency or if your trip is disrupted while you are abroad. Please contact Tick Travel Insurance directly to explain your situation and further inquire to see what they can do for you.
Best regards,
Rench
LanaJanuary 10, 2018
Do you currently cover delay and or cancellation related expenses in bali and lombok if volcano erupts? We travel there on january 21
Finder
RenchJanuary 10, 2018Finder
Hi Lana,
Thanks for your inquiry.
For Tick Travel Insurance, when an emergency forces you to cancel your trip before you go away or cut it short while you’re overseas, Tick Travel Insurance policies can cover the money you will lose as a result. Journey resumption cover can also allow you to resume your trip at a later date.
You may contact Tick Travel insurance directly to further inquire if it will also be cover your Bali trip.
At the moment, the Mount Agung volcano in Bali has begun erupting, and cover restrictions regarding the elevated threat posed by the eruption are starting to trickle in. You may get more information from our guide on Bali Travel Insurance.
Best regards,
Rench
BobNovember 27, 2017
Is cover available for motor cycle hire and use ? In Phuket.
Finder
HaroldNovember 27, 2017Finder
Hi Bob,
Thank you for your inquiry.
Tick Travel Insurance provides rental vehicle excess waiver on their standard and top cover. According to our review, basic travel insurance policies cover medical and property loss but exclude risky activities such as adventure sports. If you’re undertaking motorcycle or moped riding in Thailand, you may like to consider adding an extra cover to your policy such as car hire excess and motorcycle travel insurance. Check out our guide on Travel insurance for Thailand for more details.
I hope this information has helped.
Cheers,
Harold
karenOctober 7, 2017
when i take out a top policy cover am i covered for dying overseas such as heart attack or getting sick and dying .i will be declaring high blood pressure and the medication i take Will this be covered
GruOctober 7, 2017
Hello Karen,
Thank you for reaching out to us with your query.
It is understandable to want clarification on what you will actually be covered for with your travel insurance policy.
Most insurance providers would include cover for hypertension. You may compare your options with our list of travel insurance for high blood pressure. Depending on the provider, you may have to meet one or more of these conditions:
* You were not hospitalised in the last 24 months
* Your hypertension must be stable and managed by your doctor
* You are not taking more than two medications for the condition
* You must have no known heart or cardiovascular conditions
* You must have not had any changes to your medication within the past 12 months
* You have not been a smoker in the last 18 months
* You must not be suffering any symptoms of, or be undergoing investigations into, your high blood pressure
* You must not also suffer from diabetes
* Your current blood pressure reading must be within acceptable ranges
Ultimately, it will still be best if you get in touch with the insurer you have in mind to gain assurance and clarification on this. Also, make sure to review the relevant Product Disclosure Statements/Terms and Conditions before purchasing.
Hope this helped.
Cheers,
Gru
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What is meant by “Pet Care” and what does it cover?
Hi Peter,
Thank you for getting in touch with finder.
As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.
Do you have pets that you leave at home while traveling?
If your flight is delayed by more than 24 hours on your final flight home and your pet is in a kennel or cattery, they’ll cover vet fees if your pet is injured during that time and the additional boarding costs up to the limits in the policy.
I hope this helps.
Have a great day!
Cheers,
Jeni
I have a tick travel insurance policy for a recent holiday in Bali when we got to the villa we had booked and paid for it wasn’t safe and in disgusting filthy conditions and with 2 babies I just couldn’t stay there and had to find alternate emergency accommodation can I claim this?
Hi Kylie,
Thanks for reaching out to us. Please note that we are not affiliated with Tick Travel Insurance or any company we feature on our site and so we can only offer you general advice.
With Tick Travel Insurance, you will be covered for additional accommodation, transport and meals expenses you incur as a result an emergency or if your trip is disrupted while you are abroad. Please contact Tick Travel Insurance directly to explain your situation and further inquire to see what they can do for you.
Best regards,
Rench
Do you currently cover delay and or cancellation related expenses in bali and lombok if volcano erupts? We travel there on january 21
Hi Lana,
Thanks for your inquiry.
For Tick Travel Insurance, when an emergency forces you to cancel your trip before you go away or cut it short while you’re overseas, Tick Travel Insurance policies can cover the money you will lose as a result. Journey resumption cover can also allow you to resume your trip at a later date.
You may contact Tick Travel insurance directly to further inquire if it will also be cover your Bali trip.
At the moment, the Mount Agung volcano in Bali has begun erupting, and cover restrictions regarding the elevated threat posed by the eruption are starting to trickle in. You may get more information from our guide on Bali Travel Insurance.
Best regards,
Rench
Is cover available for motor cycle hire and use ? In Phuket.
Hi Bob,
Thank you for your inquiry.
Tick Travel Insurance provides rental vehicle excess waiver on their standard and top cover. According to our review, basic travel insurance policies cover medical and property loss but exclude risky activities such as adventure sports. If you’re undertaking motorcycle or moped riding in Thailand, you may like to consider adding an extra cover to your policy such as car hire excess and motorcycle travel insurance. Check out our guide on Travel insurance for Thailand for more details.
I hope this information has helped.
Cheers,
Harold
when i take out a top policy cover am i covered for dying overseas such as heart attack or getting sick and dying .i will be declaring high blood pressure and the medication i take Will this be covered
Hello Karen,
Thank you for reaching out to us with your query.
It is understandable to want clarification on what you will actually be covered for with your travel insurance policy.
Most insurance providers would include cover for hypertension. You may compare your options with our list of travel insurance for high blood pressure. Depending on the provider, you may have to meet one or more of these conditions:
* You were not hospitalised in the last 24 months
* Your hypertension must be stable and managed by your doctor
* You are not taking more than two medications for the condition
* You must have no known heart or cardiovascular conditions
* You must have not had any changes to your medication within the past 12 months
* You have not been a smoker in the last 18 months
* You must not be suffering any symptoms of, or be undergoing investigations into, your high blood pressure
* You must not also suffer from diabetes
* Your current blood pressure reading must be within acceptable ranges
Ultimately, it will still be best if you get in touch with the insurer you have in mind to gain assurance and clarification on this. Also, make sure to review the relevant Product Disclosure Statements/Terms and Conditions before purchasing.
Hope this helped.
Cheers,
Gru