Tick Travel Insurance logo

Tick Basic Travel Insurance

Get unlimited medical and up to $2,000 luggage cover with the Tick Basic Travel Insurance Policy.

If you want travel insurance cover for your next holiday, taking out a policy needn’t put too much pressure on your hip pocket. While comprehensive cover is available for an extensive range of potential events and incidents, it’s also possible to take out cheaper insurance protection that covers you against a few worst case scenarios.

Tick Basic Travel Insurance provides unlimited protection for overseas medical emergencies and also provides cover for lost or stolen luggage and personal liability – and it offers all of these benefits for an affordable price.

Tick Travel Insurance Tick Travel Insurance

Get 5% off all Tick travel insurance policies

Want to save more on your Tick travel insurance policy? Just enter this code to receive a 5% discount on your cover to destinations like Bali, New Zealand, USA, Europe, Thailand, Fiji, Vietnam and more.

Last verified

Receive a quote for Tick Travel Insurance and apply securely

Brands Product Product Details Apply
Tick Travel Insurance Tick Basic Travel Insurance

Unlimited overseas emergency medical assistance

$500 dental expenses

$1,500,000 personal liability

$2,000 luggage and personal effects

Get quoteMore info

Who owns Tick Travel Insurance?

Tick Travel Insurance is owned by global assistance giant MAPFRE ASISTENCIA, which has offices in 47 countries around the world and insures in excess of 100 million people.

What is covered?

Tick Basic Travel Insurance is designed to offer affordable, entry-level cover for travellers on a budget. It offers the following benefits when you head overseas:

  • Overseas medical and hospital expenses. When you experience a medical emergency while abroad, any medical and hospital costs you incur as a result will be covered by your policy. This includes medical, surgical and hospital treatment, ambulance costs, repatriation to Australia and emergency dental treatment. Benefits are also offered to cover the cost of the return of your body or ashes to Australia, and for funeral and burial expenses overseas.
  • Additional emergency expenses. When your trip is disrupted or you are forced to return to Australia due to circumstances outside your control, for example the serious illness of a travelling companion or of a relative back home in Australia, the additional costs you incur as a result will be covered up to a set limit (see table below). This includes accommodation, meal and travel expenses.
  • Personal belongings and baggage. When your luggage or personal belongings are lost, stolen or damaged on your journey, Tick Basic Travel Insurance provides cover for the cost of their repair or replacement.
  • Personal liability. If you’re involved in an accident overseas that leads to a third party suffering an injury or damage to their property, you may be found legally liable. This benefit covers the cost of your legal defence and any damages or compensation you may have to pay.
  • Natural disaster cover. Cover for any unexpected or extraordinary natural phenomena such as floods, tsunamis, volcanoes and landslides. A benefit will be paid for medical, cancellation, curtailment and travel delay expenses that are incurred as a result.
BenefitSum insured
Overseas medical and hospital expensesUnlimited
Emergency dental treatment$500
Return of body or ashes to Australia$20,000
Funeral or burial expenses outside of Australia$10,000
Additional emergency expenses$5,000
Personal belongings and baggage$2,000
Personal liability $1.5 million

What additional cover is available?

There are two additional cover options available when you take out a Tick Basic Travel Insurance policy: winter sports cover and additional specified items cover.

Winter sports insurance

Winter sports cover is designed to offer extra protection when your ski gear is lost, stolen or damaged, as well as cover you when things like ski field closures and avalanches disrupt your holiday plans.

Additional specified items

Additional specified items cover allows you to increase the single item limit for personal belongings and baggage cover from $500 up to a maximum of $4,000. This is especially useful if you are travelling with high-value items such as laptops, cameras and expensive jewellery.

Winter sports cover
BenefitSum insured
Winter sports equipment$1,250
Winter sports equipment hire$50 per 24 hours up to $500
Lift pass$500
Ski pack$150 per 24 hours up to $600
Piste closure$50 per 24 hours up to $500
Avalanche cover$600
Additional specified items cover
Specified items$4,000 for a single item, up to $6,000 for combined items

What are the general exclusions?

As you would expect from any type of insurance policy, a list of general exclusions applies to Tick Basic Travel Insurance. Your claim will not be paid if:

  • You fail to notify Tick Travel Insurance of any medical condition or other circumstances that could lead to a claim
  • Any insured person on your policy is waiting for or receiving tests or treatment for a condition which has not yet been diagnosed
  • Any insured person on the policy is travelling against the advice of a medical practitioner
  • Any insured person has in the last five years suffered from a heart-related condition, blood circulatory condition, diabetes, stroke, brain haemorrhage, epilepsy, breathing condition, anxiety, depression or cancer
  • It arises because of your suicide, attempted suicide or deliberately putting yourself in danger
  • It results from your use of alcohol or drugs, except those prescribed by a medical practitioner
  • It is caused by war, terrorism, revolution, civil riots, strikes or industrial action
  • It results from you travelling to a country or area that the Department of Foreign Affairs and Trade warns against visiting
  • It is caused by you riding a motorcycle. However, you will be covered if you are wearing a crash helmet, you hold an appropriate licence for the country you are in, and if you hold a valid licence required for riding an equivalently rated motorcycle in Australia (if it is rated 125cc or above)
  • It is for consequential loss of any kind
  • It arises because of your involvement in any reckless, criminal, illegal or malicious act
  • It is caused by you taking part in any manual labour in connection with business
  • It is a result of you taking part in missionary or humanitarian work
  • It relates to your involvement in any form of racing other than on foot
  • You fail to get the proper vaccinations before you travel
  • It is caused by any government authority seizing, detaining or destroying anything of yours
  • It results from errors or omissions in your booking arrangements.

How do I make a claim?

Tick Travel Insurance aims to make its claims process as easy and stress-free as possible. Simply log on to the Tick website and download the relevant claim form – there are forms for medical expenses claims, cancellation claims, baggage claims and more. Once you’ve filled out and signed your form, post or email it back to Tick Travel Insurance along with any supporting documents and information you may be required to provide. This could include medical reports, police reports, purchase receipts and a range of other documents.

Finally, remember that you must notify Tick of your intent to claim as soon as reasonably possible within 30 days of completing your journey.


I can’t find the relevant claim form on the Tick website?

If you can’t find a form that relates to your type of claim, contact Tick Travel Insurance via phone or email for assistance.

My baggage has been stolen – what should I do?

It’s essential that you report the theft to the police or any other relevant authority. You should then obtain a written copy of this report, or at least a police incident number, to help provide evidence for your claim.

Who can take out cover?

Tick Basic Travel Insurance is available to Australian citizens and permanent residents, as well as non-residents who have a valid Medicare card or private health insurance.

I’m 87 years old – will Tick Insurance cover me?

Yes, Tick Travel Insurance offers its cover to travellers up to 100 years of age.

I’ve already arrived at my travel destination – is it too late to take out cover?

Yes it is, unfortunately. Tick Travel Insurance requires you to take out cover before you leave, but this can be done up to 12 months in advance.

How can I find out more about the benefits and limits that apply to my policy?

The best way to do this is to read the product disclosure statement.

Does this policy cover my kids overseas?

Yes it does. Your children and dependants who are travelling with you are automatically covered under Tick Basic Travel Insurance.

Can I take out more comprehensive cover?

Yes, Tick Travel Insurance also offers Standard and Top Travel Insurance which each offer a broader range of benefits and higher coverage limits.

How can I pay for cover?

You can pay for your policy online or over the phone using a credit or debit card.

How will I get a copy of my policy?

Once you’ve paid your premium, Tick Basic Travel Insurance will email a copy of your policy to the address you provide.

What excess will I have to pay when I make a claim?

A standard $200 excess applies to Tick Basic Travel Insurance but you can choose a lower excess if you’re willing to pay a higher premium.

Apply for travel insurance with Tick

If you want travel insurance cover for the essentials, Tick Basic Travel Insurance offers plenty of attractive features. However, make sure to compare this policy with other similar policies on the market to determine which one is right for you.

Compare policies and apply for Tick Basic Travel Insurance

*$19 price is based on a 3 day trip to Bali for a 25 year old traveller. Price may be subject to change

Richard Laycock

Richard is the Insurance Editor at finder, and has been wrangling insurance Product Disclosure Statements for the last 4 years. When he’s not helping Aussies make sense of the fine print, he can be found testing the quality of Aperol Spritzes in his new found home of New York. Richard studied Journalism at Macquarie University and The Missouri School of Journalism, and has a Tier 1 certification in General Advice for Life Insurance. He has also been published in CSO Australia and Dynamic Business.

Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

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 Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

25 Responses

  1. Default Gravatar
    CarolSeptember 20, 2016

    I have just received my policy from tic for our holiday next year, I disclosed that I had a replacement heat valve 12 months ago with no complications and a clean bill of health, am I covered if something does go wrong.?

    • finder Customer Care
      RichardSeptember 21, 2016Staff

      Hi Carol,

      Thanks for your question. finder.com.au is a comparison service. You should contact Tick Travel Insurance directly about the specifics of your cover.

      All the best,

  2. Default Gravatar
    doOctober 31, 2015

    Do you have on-line reviews from former customers?

    What is your insurance rating?

    Do you cover age 79?

    Do you cover pre-existing medical condition though Dr. heartily approves of the trip.

    • Default Gravatar
      PhoenixAugust 10, 2016

      I believe Tick, and MAPFRE, endangered my health and effectively meant I gave birth to my dead son in Barcelona rather than at home. Over 200 emails back and forth, the Ombudsman is involved.

      I look forward to seeing reviews on this site; without reviews how do we know about the quality and safety of the product that is, effectively, only partly reviewed.

    • finder Customer Care
      RichardNovember 2, 2015Staff

      Hi there,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. We don’t currently have user reviews of insurance products nor do we have a ratings system. Tick Travel Insurance provides cover to travellers up to the age of 100. Tick Travel Insurance does provide cover for pre-existing conditions. However, it will depend on the condition and its severity. To find out more, please review the Tick Travel Insurance product disclosure statement (PDS).

      I hope this was helpful,

  3. Default Gravatar
    FaizOctober 14, 2015

    I have saved a quote of $195.78 and I was wondering if I could get a discount on this quote firstly, as a couple and secondly, being seniors (I’m 73 and my wife is 64).
    Much appreciated. Thanks.

    • finder Customer Care
      RichardOctober 14, 2015Staff

      Hi Faiz,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. If you would like to compare the quote you got from Tick Travel Insurance with quotes from other insurance brands in our panel, please enter your travel details into the quote comparison tool on the Travel Insurance Home Page.

      Not only will you be able to compare the policies from the providers in our panel, you may be able to find discounts.

      I hope this was helpful,

  4. Default Gravatar
    TinaSeptember 14, 2015

    I am already overseas, my policy ended on the 9th of September so I bought another policy from 9th till 20th. during this time my brother had an emergency trip to the hospital and stayed there from around the 6th till the 14th. Am I still covered after the 9th?

    Thank you

    • finder Customer Care
      RichardSeptember 15, 2015Staff

      Hi Tina,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. If you would like to know more about the claims process with Tick Travel Insurance, you’ll need to contact them directly.

      I hope this was helpful,

  5. Default Gravatar
    joseAugust 26, 2015

    could you please send me the documents,b cause i have no printer and also i want to pay in cash thanks jose

    • finder Customer Care
      RichardAugust 27, 2015Staff

      Hi Jose,

      Thanks for your question. finder.com.au is an online comparison service and not an insurer. To discuss your payment options and the policy specifics, you’d need to contact your insurer directly.

      I hope this was helpful,

  6. Default Gravatar
    MicheleAugust 18, 2015

    My son is due to fly to Bangkok on Saturday as a stopover to Hanoi. There is no direct flight to Hanoi.
    can he claim rescheduling expenses due to the unrest – the Bombings in Bangkok today.
    He has been advised by the airline that he can reschedule and fly via Singapore but this will incur and extra $1000 expense.
    can this be claimed?

    • finder Customer Care
      RichardAugust 18, 2015Staff

      Hi Michele,

      Thanks for your question. Generally, travel insurance policies exclude cover for claims that are the result of “terrorism”. Additionally for flight changes, these generally need to be the result of an unforeseen circumstance as stated in the PDS. However, it never hurts to ask. Contact your insurer and see if this is a claimable event.

      I hope this was helpful,

  7. Default Gravatar
    TanyaAugust 17, 2015

    I purchased travel insurance yesterday and received text confirmation with the policy number etc but have realised there was a typo in the email address i entered. How do i fix this so i can receive my actual policy

    • finder Customer Care
      RichardAugust 17, 2015Staff

      Hi Tanya,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. If you would like to get in touch with Tick Travel Insurance, you can call them on 1300 235 444 Monday to Thursday (8.30am to 9pm), by email info@tickinsurance.com.au or by using the live chat on the Tick Travel Insurance website.

      I hope this was helpful,

  8. Default Gravatar
    August 11, 2015

    I have just booked for travel insurance from 22 September to 25th October, paid and have my certificate. Unfortunately, our return date is the 26th, not the 25th. How do I change this?

    • finder Customer Care
      RichardAugust 11, 2015Staff

      Hi David,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. If you need to amend your policy, you’ll need to contact your insurer directly.

      I hope this was helpful,

  9. Default Gravatar
    magsJuly 8, 2015

    have just bought a policy on line from you guys am going to Sri Lanka then bali policy is for asia does it cover both countries

    • finder Customer Care
      RichardJuly 8, 2015Staff

      Hi Mags,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. The destinations you’re covered for should be listed on you certificate of insurance and you should also have a confirmation email detailing when and where you’re covered. For more information about your policyyou can follow this link to their homepage, once there you’ll be able to speak with a Tick Travel Insurance representative who will have access to the specifics of your policy.

      I hope this was helpful,

  10. Default Gravatar
    ChrisJuly 1, 2015

    Just wondering about cover while skiing in NZ. i have looked into winter sports option & it appears to only cover equipment and loss of funds due to slopes being closed due to avalanche etc. am i covered under normal travel insurance (without winter sports coverage) if i break my leg while snowboarding?

    • Default Gravatar
      darrenJuly 6, 2015

      i have travel insurance

      I have just been robbed not a great amount of money what is the excess and how much is covered ?

    • finder Customer Care
      RichardJuly 6, 2015Staff

      Hi Darren,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. If your policy is with Tick Travel Insurance, you can follow this link to their claims page.

      I hope this was helpful,

    • finder Customer Care
      RichardJuly 1, 2015Staff

      Hi Chris,

      Thanks for your question. Generally, as long as the policy covers winter sports and you are within the boundaries of the ski resort and not going cross-country or off-piste, you’ll generally be covered. However, if you have any questions it is always a good idea to check with the provider prior to purchase.

      I hope this was helpful,

Ask a question
Go to site