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Tick aims to provide simple and easy to understand travel insurance policies, to suit the needs of a wide range of travellers. Its policies can cover an extensive selection of common travel risks, including cancellation fees, lost deposits and overseas medical emergencies.
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Tick Travel Insurance
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What options are available?
Tick Travel Insurance Single Trip policy provides four levels of cover: Basic, Budget, Standard and Top.
Tick Basic Travel Insurance provides cover for:
- Unlimited medical and hospital expenses outside of Australia
- Loss, theft or damage to your personal belongings and baggage
- Financial protection against trip disruption overseas
- Personal liability cover of $1 million.
A budget policy provides cover for a few "nice-to-have" benefits and an increased baggage allowance from a basic policy.
- Unlimited medical and hospital expenses overseas
- $5,000 limit for emergency expenses
- $5,000 limit for cancellation of pre-paid expenses
- $1 million in liability cover
- Increased cover for theft, lost or damaged baggage
- Increased sub limits for cover of your electronic items and valuables
Moving up to a standard policy, the level of cover and the range of benefits offered both increase. In addition to unlimited overseas medical cover, this policy also offers:
- A hospital cash allowance of up to $1,500
- Cover for the loss and theft of travel documents
- $5,000 of protection for cancellation fees and lost deposits
- Travel delay cover
- Higher limits for your personal belongings and baggage
- Legal expenses cover
- Rental vehicle excess waiver
- Accident, disability and death
- $1.5 million of liability cover.
As the name suggests, a Top Single Trip policy from Tick Travel Insurance offers comprehensive travel insurance, and includes cover for:
- Unlimited overseas medical expenses
- $20,000 cancellation cover
- $7,500 of personal belongings and baggage cover
- $3,000 of resumption of journey cover
- Cover for hijacking
- Legal expenses cover
- Rental vehicle excess waiver
- Accident, disability and death
- $3 million of liability cover
- Pet care costs.
What do these policies cover?
- Medical and hospital costs. Unlimited cover is provided for your overseas emergency medical and hospital expenses, including ambulance transportation and medical repatriation to Australia if necessary.
- Emergency costs. If you experience an emergency or your trip is disrupted while you are abroad, additional accommodation, transport and meals expenses you incur as a result can be covered.
- Cancellations, curtailments and journey resumptions. 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.
- Travel delay. When your pre-booked transport is delayed by 12 hours or more, your policy offers a benefit to cover essential costs such as food and drink.
- Baggage and valuables. If your baggage and/or belongings are lost, stolen or damaged during your trip, the cost of their repair or replacement can be covered up to a certain limit.
- Baggage delay. When your luggage is delayed by a carrier, you may receive an emergency cash allowance to help you purchase essential items like clothing and toiletries.
- Natural disaster cover. Cover is provided for losses related to unexpected and extraordinary natural phenomena including floods, earthquakes, tsunamis and landslides.
- Passports and money. Tick Travel Insurance offers cover if your passports, visas, travellers cheques or cash are lost, stolen or damaged on your trip.
- Personal accident and loss of income. In addition to death and disability benefits, Tick will also provide loss of income cover if an injury suffered during your trip keeps you off work when you return to Australia.
- Personal liability. Legal liability cover is provided, and can help when you are responsible for causing injury or property damage to a third party.
- Rental vehicle excess waiver. This benefit can cover the cost of your rental car insurance excess if the car is stolen, crashed or damaged, up the relevant limits.
- Cruises. Tick Travel Insurance is one of the few insurers that automatically cover you for all of the above features when you are on a cruise. Most other policies make you pay extra.
| Cover | Basic | Budget | Standard | Top |
|---|---|---|---|---|
| Trip cancellation | Nil | $5,000 | $5,000 | $20,000 |
| Overseas medical and hospital expenses | Unlimited | Unlimited | Unlimited | Unlimited |
| Dental treatment | $500 | $500 | $500 | $500 |
| Return of remains to Australia | $20,000 | $20,000 | $20,000 | $20,000 |
| Funeral or burial outside Australia | $10,000 | $10,000 | $10,000 | $10,000 |
| In hospital benefit | Nil | Nil | $75 per 24 hours | $75 per 24 hours |
| Cutting your trip short | Nil | Nil | $5,000 | $15,000 |
| Additional emergency expenses | $5,000 | $5,000 | $10,000 | $20,000 |
| Resumption of journey | Nil | Nil | Nil | $3,000 |
| Travel delay | Nil | Nil | $50 per completed 12 hours | $100 per completed 12 hours |
| Personal belongings and baggage | $2,000 | $2,500 | $4,000 | $7,500 |
| Delayed baggage | Nil | Nil | $300 | $400 |
| Passport and travel documents | Nil | Nil | $2,000 | $4,000 |
| Money | Nil | Nil | $300 | $300 |
| Death benefit | Nil | Nil | $10,000 | $25,000 |
| Death of dependant child | Nil | Nil | $7,500 | $15,000 |
| Disability benefit | Nil | Nil | $10,000 | $25,000 |
| Personal liability | $1 million | $1 million | $1.5 million | $3 million |
| Legal expenses | Nil | Nil | $10,000 | $25,000 |
| Hijack | Nil | Nil | Nil | $2,500 |
| Pet care | Nil | Nil | Nil | $600 |
| Financial default | Nil | Nil | $1,000 | $1,000 |
| Rental vehicle excess waiver | Nil | Nil | $2,000 | $4,000 |
| Loss of income | Nil | Nil | $5,200 | $10,400 |
Does Tick Travel Insurance cover cruises?
Yes. There's no need to buy a special "cruise add-on" because all of Tick Travel Insurance's policies automatically cover you when you're at sea. That means you're automatically covered if the following were to happen:
- You have a medical emergency and need airlifted from sea to the nearest hospital.
- You get gastro and the on-board medical centre charges you a fortune.
- A cyclone pummels your next destination and you have to cancel your pre-paid activities.
- You miss your departure because of a car accident on the way to the port so you need to fly to the next port.
Note that Tick Travel Insurance does not offer niche cruise features like you might find on a specialty cruise policy or a specially designed cruise add-on. Therefore you won't find features like cabin confinement cover, which would pay you a daily stipend if cruise authorities confine you to your cabin or formal attire cover, which would pay to repair or replace expensive formal attire or pay you to rent some if yours is lost or damaged.
What additional cover is available?
- 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.
- Additional specified items cover. If you add this optional extra to your Tick Travel Insurance policy 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 through, opt for the Top cover.
What are the general exclusions?
Your Tick Travel Insurance claim may not be paid if:
- You are aware of a medical condition that could lead to a claim but do not notify your insurer when you take out cover, or are awaiting treatment for an undiagnosed condition
- Any insured person on the policy is travelling against the advice of a medical practitioner
- Any insured person on the policy has in the last five years suffered from or received medical advice, treatment or medication for a heart condition, blood circulatory condition, diabetes, stroke, brain haemorrhage, epilepsy, anxiety or depression
- It arises from your suicide, attempted suicide or deliberately putting yourself in danger
- It arises from the use of alcohol or drugs
- It is caused by war, riot, civil unrest or industrial action
- It arises due to your travel through a region for which the Department of Foreign Affairs and Trade has issued a travel advisory
- It is for consequential loss of any kind
- It arises because of you being involved in any illegal or criminal act
- It arises because of you taking part in missionary work, humanitarian work or manual labour associated with any business or trade
- It arises from you being involved in any form of racing other than on foot
- It arises because you fail to get the right vaccinations or inoculations for travel
- It arises due to a government authority seizing, withholding or destroying anything of yours
- It is for a tour being cancelled due to insufficient numbers
- It arises due to errors or omissions in your travel arrangements made by you, your travel agent or anyone acting on your behalf
How do I make a claim?
Claiming with Tick Travel Insurance can be done by sending in a claims form. Once you’ve downloaded the relevant claim form from the Tick website, complete all fields on the form, print it out, sign it and post it back to Tick Travel Insurance.
You’ll also need to include any other supporting information or documentation that may be required, such as receipts, proof of ownership, police reports or medical reports. All claims should be registered within 30 days of the completion of your journey.
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If you want simple, easy to understand travel insurance that covers you against a broad range of risks, Tick Travel Insurance may be able to help. Just make sure to compare Tick’s cover features with other policies on the market before deciding on which insurer and policy is right for your needs.
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Ask an Expert
I’m going on a cruise to New Zealand. I declared my pre-existing medical condition but they didn’t charge me a premium for it but I got a medical number from Tick. Is this correct?
Hi Vera,
Thanks for getting in touch with Finder. I hope all is well with you. 😃
Regarding your question, Tick Travel Insurance generally assesses pre-existing medical conditions on a case by case basis. They might have considered your condition as mild and don’t need additional premium to get covered.
If you need to confirm with them, you can also get in touch with Tick just to be sure.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
I have a holiday in Fiji booked for March of next year and my friend can no longer come with me. I am 70 years old and am not able to go on that holiday alone. It looks like I will have to cancel, can I get any of my money back?
Hi Patrica,
Thanks for getting in touch with Finder. I hope all is well with you. 😃
I’m sorry to hear about your need to cancel your holiday trip.
Regarding your question, if you are asking if you can cancel your Tick Travel Insurance policy, the answer is yes. However, please note that you need to cancel your policy within the 14 day cooling off period following any purchase.
However, if you are asking if you can cancel your trip and get a refund from your bookings, that would depend on your provider. Best is to get in touch with your provider in this case. Moreover, if you cancel your trip, Tick Travel Insurance policies can cover the money you will lose as a result.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
Is ambulance cover included in your travel insurance policies?
Thanks,
Karen
Hi Karen,
Thank you for getting in touch with Finder.
Under Tick Travel Insurance’s Medical and Hospital benefits, they will cover ambulance cost if you need that as part of the medical treatment while overseas. For more info on what you will be covered, please reach out to Tick Travel directly.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
I purchased tick insurance 5/7/2019 for travel Oct/Nov 14 day cruise am I covered from this date until trip end
Hi Ken,
Thanks for your inquiry.
You are covered from the start to end date of your trip for as long as you let Tick Travel know of your exact travel dates.
Hope this helps!
Best,
Nikki
I have Tick Travel insurance for my trip to North America, Central America and Hong Kong. I have gone to a travel specialist doctor for advice and prescription medicine associated with this trip. Can I claim any of this back on travel insurance?
Hi Peter,
Thank you for getting in touch with Finder.
Most standard travel insurance policies do not cover loss or theft of prescription drugs. If you’ll be taking regular medication during your trip, you generally won’t be able to find cover for them as the drugs are for a pre-existing condition. However, if you are hospitalised overseas and are prescribed medication for a new ailment, you may be able to make a claim under the overseas medical section of your policy.
Please contact Tick Travel directly regarding your prescription drugs.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
I would like to know if quote is for both travelers
Hi Georgene,
Thank you for getting in touch with Finder.
The quotes are for the number of travellers you entered under the “Who is travelling?”. If you enter just your age then the quote will just be for one traveller – you.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
Do you cover natural disaster such as volcanoes. I understand that some insurers do not cover active volcanoes but what about the non active ones?
Hi Tania,
Thank you for getting in touch with Finder.
As with other natural disasters, volcanoes are typically included in natural disaster cover but you need to purchase the policy before the eruption becomes a “known event.” Experts can detect tremors months before a volcano actually erupts and many insurers will consider it a known event at the first possible detection. So it is important to purchase your travel insurance as soon as you’ve booked your trip.
If you consider getting a travel insurance with Tick, kindly enter all details asked on the table then click on the green get quote button to start comparing your options. Once you have decided which to go with, please click on the Go to site button and you’ll be redirected to Tick’s official page where you may learn more about their products and even start applying for a travel insurance.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
Cruise to South pacific Islands is not accepted. What to do ?
‘Where are you travelling to” Needs to add: Cruise and South Pacific Islands”. or else the quote is void. I have been trying in vain to put ‘cruise to South pacific Inlands “but it is not accepted. What to do ??
Hi Annie,
Thanks for getting in touch! You have to put the countries you’ll be in when you add the countries and it cannot be just South Pacific Islands. Hope this clarifies!
Best,
Nikki
I am trying to get travel insurance for my sister in law but not having much success.
Hi Marrianne,
Thanks for getting in touch with Finder. I hope all is well with you. :)
I understand you’re looking for travel insurance for your sister-in-law. Are you interested in Tick Travel Insurance? If yes, please directly get in touch with them and be sure to use promo code above to obtain a special discount.
Alternatively, if you are still exploring other options, please go to this page. On that page, you will see a form. Fill out the form with the correct details. Click on the “Get my quote” green button and you should receive a list of policies and their accompanying description and price. Once you’re done comparing, you can then click on the “Go to site” green button to be redirected to your chosen provider.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
How do I make contact with an actual, live person with whom I can discuss my needs?
Hi Ray,
Thanks for getting in touch with finder. I hope all is well with you. :)
If you want to get in touch with Tick Travel Insurance, you can visit their website and go to their contact us page. From there, you should be able to know how to speak to one of their representatives.
Moreover, you can also chat with us live by clicking the “Want to chat?” button found on the lower right corner of our page. Though we don’t represent Tick, we can offer information to further help you make a better decision.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua