Get unlimited medical and up to $7,500 luggage cover with Tick Top Travel Insurance
An unexpected event or inconvenience can turn a long-awaited holiday into an ordeal you’d rather forget and end up leaving you significantly out of pocket. But if you have travel insurance cover, you can enjoy protection against a wide range of potentially expensive risks.
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Who owns Tick Travel Insurance?
Tick Travel Insurance is owned by global assistance and specialty risk provider, MAPFRE ASISTENCIA, which insures more than 100 million people around the world. If you’re looking for comprehensive cover for your next journey, Tick’s Top Travel Insurance policy has been designed with you in mind.
What is covered?
Top Travel Insurance from Tick provides the following benefits for single trips:
- Medical and hospital benefits. This policy provides cover for any emergency medical and hospital costs you incur while overseas. This includes ambulance transportation and repatriation back to Australia, as well as emergency dental costs and a cash allowance for every day you are in hospital.
- Emergency costs. If you experience an emergency or your trip is interrupted when you are overseas, Tick Travel Insurance covers the cost of any additional flight, accommodation, meal and phone call expenses you incur as a result.
- Cancellations, curtailments and journey resumption. Sometimes you may be forced to cancel your trip before you leave because of an emergency, such as a close relative’s death or illness, or you may even have to cut it short to return home. When this happens, money you would lose in the form of non-refundable deposits and cancellation fees are covered by your travel insurance policy. Cover is also included for the cost of resuming your journey at a later date.
- Travel delays. If your travel is delayed for more than 12 hours by circumstances out of your control, for example due to bad weather or industrial action by airline employees, Tick Top Travel Insurance provides a benefit to cover the necessary costs of food, drink and other expenses.
- Natural disaster cover (Optional upgrade). You will be covered for medical, cancellation, curtailment and travel delay expenses incurred in the event of unexpected and extraordinary natural phenomena such as floods, earthquakes, tsunamis.
- Baggage and valuables. If your luggage or personal belongings are lost, stolen or damaged during your journey, the cost of repairing or replacing them is covered by your insurance.
- Baggage delay. When an airline misplaces your luggage, you will receive emergency funds to help you purchase important items like clothing and toiletries.
- Passports and money. This policy benefit covers you when passports, travellers cheques, money and visas are lost, stolen or damaged.
- Personal accident and loss of income. If you suffer an accidental injury on your journey that leads to permanent disability, Tick offers a lump sum benefit. If that injury prevents you from working when you return home, cover is also provided for the resulting loss of income.
- Personal liability. If you’re involved in an accident that causes injury or property damage to someone else, your policy covers your legal defence and any compensation you may be required to pay.
- Pet care. If you find yourself in the situation where your flight home is delayed and you must pay extra boarding costs for your cat or dog, Top Travel Insurance covers this expense.
- Rental vehicle excess waiver. The excess charged by car rental companies when your rental is crashed, stolen or damaged is quite expensive, so this policy ensures you don’t have to worry about paying the exorbitant excess.
|Overseas medical and hospital expenses||Unlimited|
|Return of body or ashes to Australia||$20,000|
|Funeral or burial expenses outside Australia||$10,000|
|Hospital cash allowance||$75 for every 24 hours up to $3,000|
|Cutting your trip short||$15,000|
|Additional emergency expenses||$20,000|
|Resumption of journey||$3,000|
|Travel delay||$100 per 12 hours up to $1,000|
|Personal belongings and baggage||$7,500|
|Passport and travel documents||$4,000|
|Personal accident resulting in death||$25,000|
|Death of dependant child||$15,000|
|Personal liability||$3 million|
|Rental vehicle excess waiver||$4,000|
|Loss of income||$10,400|
What additional cover is available?
The following extras can be added to your policy for an additional cost:
- Winter sports cover. This benefit provides cover when your winter sports equipment is lost, stolen or damaged, while it also covers the cost of hiring replacement equipment. In addition, cover is included for avalanches, piste closure, lift passes and ski packs.
- Additional specified items cover. This allows you to increase the level of cover for high-value items such as laptops and jewellery. Up to $4,000 of cover is available for single items, and up to $6,000 of cover for combined items.
What are the general exclusions?
A claim under your Top Travel Insurance policy will not be paid if:
- You take out cover without informing the insurer of any pre-existing medical conditions which may lead to a claim
- Any insured person is travelling against the advice of a medical practitioner
- Any insured person is waiting for medical tests or treatment for undiagnosed symptoms or conditions
- Any insured person has suffered from a heart condition, blood circulatory condition, diabetes, stroke, brain haemorrhage, epilepsy, anxiety, depression or cancer in the past five years
- It arises from suicide, attempted suicide or you deliberately putting yourself in danger
- It arises from your use of alcohol or drugs (unless they are medically prescribed)
- It relates to an act of war, civil commotion, industrial action or terrorism
- It arises because you travel to a region for which the Department of Foreign Affairs has issued a travel advisory
- It arises because you are riding on a two or three-wheeled vehicle – unless you are wearing a crash helmet, hold a valid licence for the country you are in, and if the bike is 125cc or higher you must have a valid licence to ride an equally powerful motorcycle in Australia
- It is for consequential loss
- It is caused by a deliberate, malicious, criminal or illegal act by you
- It arises because you take part in manual labour in connection with business or a trade, or if you engage in humanitarian or missionary work
- It relates to any form of racing other than on foot
- It arises because you fail to get the right vaccinations or inoculations in order to travel
- It arises because of errors or omissions in your booking arrangements caused by you, your travel agent or someone else acting on your behalf.
How do I make a claim?
Making a claim with Tick Travel Insurance is easy. All you have to do is download the relevant claim form from the Tick website, print it out, complete it, sign it and then post it back to the insurer.
You will also need to include any supporting documentation or information along with your form, which may include receipts, valuations, proof of ownership, medical reports or police reports. It’s also worth remembering that you should notify Tick Insurance of your claim as soon as possible within 30 days of returning home from your trip.
Where can I find a claim form?
These are available for download from the Tick Travel Insurance website. Make sure you download the form that applies to your particular claim category.
Are my kids covered under this policy?
Yes, any children and dependants who travel with you on your journey are automatically covered for no extra cost.
How much excess will I need to pay when I claim?
Tick’s standard excess is $200, but you can opt to choose a lower excess when you apply for cover – you will receive a slightly higher premium in exchange.
How do I know if my pre-existing medical condition will be covered?
You will need to contact Tick Travel Insurance and provide full details of your condition and your treatment history. This can be done by phoning Tick or filling out an online questionnaire.
I’m 85 years old – can I still take out a policy?
Yes, Tick Travel Insurance provides cover for people up to 100 years of age.
In which countries will Tick provide cover?
Tick Top Travel Insurance provides cover for journeys to more than 100 countries around the world. You can find a full list of these destinations in the PDS.
How long can I travel for?
Top Travel Insurance provides cover for trips of up to 365 days.
I’ve already taken out cover but I’ve now been diagnosed with a medical condition – what should I do?
You will need to contact Tick by phone to update your policy immediately.
When should my policy start providing cover and stop?
Your cover should start on the day you depart and end when you return to Australia.
How can I pay for cover?
You can pay for your policy online via credit or debit card, or you can call Tick Travel Insurance to have your payment processed over the phone.
Can I cancel my policy after I buy it?
Yes, a 14-day cooling-off period applies after you purchase a policy, and if you cancel cover during this time you will receive a full refund of any premium you have paid.
Can I extend my policy?
Yes you can. Top Travel Insurance policies can be extended up to a total length of 365 days, so phone Tick if you wish to amend the duration of your cover.
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Top Travel Insurance from Tick Insurance is worth considering if you want comprehensive coverage for your next journey. Compare it with a range of other policies on finder.com.au to find the best policy for your needs.