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.
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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.
|Overseas medical and hospital expenses||Unlimited|
|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|
|Winter sports equipment||$1,250|
|Winter sports equipment hire||$50 per 24 hours up to $500|
|Ski pack||$150 per 24 hours up to $600|
|Piste closure||$50 per 24 hours up to $500|
|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.
*$19 price is based on a 3 day trip to Bali for a 25 year old traveller. Price may be subject to change