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Tick Travel Insurance

Tick Travel Insurance

Get all the nitty-gritty about what is and isn’t covered in a Tick Travel Insurance policy.

1.0 ★★★★★ (1 review) Write a review

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Our Verdict

  • Tick offers a choice of domestic travel plans with an impressive trip cancellation and amendment cover of up to $20,000 with its Top package.
  • The budget option still includes some hefty benefits including $2,000 worth of cover for baggage and $1,500 for trip cancellation.
  • Tick is one of the handful of travel insurance providers that offer specific cover for COVID-19 expenses.

Review by our senior insurance writer James Martin

Compare quotes for Tick's travel insurance policies

Name Product Cancellation and amendment fees Theft or damage to lugagge Rental car excess insurance COVID-19 expenses Standard excess
Tick Basic Domestic Travel Insurance
  • $1,500
  • $2,000
No Cover
⭐ Finder Exclusive: Save 10% on travel insurance with Tick and choose between three domestic travel plans. Ts&Cs apply.
Tick Standard Domestic Travel Insurance
  • $5,000
  • $3,000
Some cover
⭐ Finder Exclusive: Save 10% on travel insurance with Tick and choose between three domestic travel plans. Ts&Cs apply.
Tick Top Domestic Travel Insurance
  • $20,000
  • $7,500
Some cover
⭐ Finder Exclusive: Save 10% on travel insurance with Tick and choose between three domestic travel plans. Ts&Cs apply.

Compare up to 4 providers

What policies are available?

Choose from three tiers of domestic policies based on how much cover you think you’ll need on holiday.

  • Domestic Basic. $2,000 worth of cover for personal belongings and baggage, trip cancellation costs up to $1,500 and personal liability cover of $1,000,000.
  • Domestic Standard. Add in increased limits for the above plus travel delay, rental vehicle excess waiver and death and disability cover.
  • Domestic Top. Bump up your cover to include $20,000 cancellation cover, $7,500 for personal belongings and baggage cover, $3,000 for resumption of journey cover and $10,000 of curtailment cover.

Will Tick cover COVID-19?

Tick Travel Insurance does not cover claims arising from COVID-19 and it is considered a general exclusion under Tick’s policies. If COVID-19 cover is non-negotiable for you, check out our full coronavirus travel insurance guide for providers that do cover it.

Here’s a rundown of Tick Travel Insurance

Purchasing a travel insurance policy does take a bit of reading and three of the most important things you’ll need to be clear on are what’s covered, what’s not covered and what can you add on if you need it. 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.

Standard benefits

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:

  • Overseas medical cover. If you ever need medical or hospital treatment when overseas, Tick will cover the cost of your treatments
  • Emergency costs. For trip disruption or if you’re required to return home, you’ll be covered for additional accommodation, meals and travelling expenses that are above what you originally budgeted for
  • Cancellations, curtailments and journey resumptions. Cover for when you need to cancel your holiday or cut your trip short due to an unforeseen event such as an illness or injury
  • Travel delay expenses. Whether it’s bad weather, a strike or mechanical breakdown, if your travel is delayed by more than 12 hours, you’ll be reimbursed for any necessary meals and accommodation expenses
  • Baggage and valuables. If your belongings are lost, stolen or damaged during your trip, this covers the cost of repair or replacement
  • Baggage delays. For baggage that’s delayed by more than 24 hours, you’ll be covered for essential items you need to buy in the interim, including toiletries and clothes
  • Personal liability. Cover for costs you’re liable for if you’re involved in an incident overseas that causes harm to another individual or property
  • Rental vehicle excess waiver. If a hire car is on the agenda, this will cover you for any excess you might owe due to an accident or theft of the vehicle
  • Pet care. Leaving your furry friend behind? If your flight is delayed by more than 24 hours on your way home and your pet is in a kennel or cattery, you’re covered for any additional boarding costs
  • Personal accident. You’ll be paid a lump sum if an accident caused by external factors results in certain permanent disabilities

Optional extras

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 product disclosure document in full so you know exactly what you’ll be covered for.

  • 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 though, opt for the Top cover.

General 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 if:

  • You are aware of a medical condition that could lead to a claim but don’t notify your insurer when you take out cover
  • Any insured person on the policy is travelling against the advice of a medical practitioner
  • 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 arises because of you being involved in any illegal or criminal act
  • 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 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

Take the time to read the Tick Travel Insurance Product Disclosure Statement for a complete list of general exclusions.

Check out this Tick deal

Code exclusive

Get 10% off on Tick travel insurance policies

Only on Finder. Use this code to get a 10% discount. T&Cs apply.

How to make a claim on Tick Travel Insurance

  1. Head to https://quote.tickinsurance.com.au/policylogin.aspx
  2. Enter your policy number, surname and date of birth to log in
  3. Complete your claim details by answering all sections
  4. Upload any documents relevant to your claim
  5. Submit and your claim should be evaluated within 10 business days

Frequently asked questions about Tick

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58 Responses

  1. Default Gravatar
    MaryFebruary 19, 2022

    We are going on a cruise around the greek islands in September, but I cannot find a quote for overseas now. We are in Australia

    • Avatarfinder Customer Care
      JamesFebruary 24, 2022Staff

      Hi Mary,

      Travel insurance continues to change due to the pandemic. You could reach out to Tick directly to inquire about the current availability of their international policies.

      Or to explore more options, you can review the brands on our main travel insurance page.


  2. Default Gravatar
    ChristosNovember 23, 2021

    When will Tick recommence international travel insurance ( to Thailand)

    • Avatarfinder Customer Care
      JamesDecember 1, 2021Staff

      Hi Christos,

      As you’ll know, certain restrictions have been imposed on international travel and these are rapidly changing. That’s had a major impact on travel insurance policies.

      You can reach out to Tick directly to enquire about this further.

      Alternatively, compare your options on our guide to COVID travel insurance.

      I hope this helps.


  3. Default Gravatar
    VeraOctober 28, 2019

    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?

    • Avatarfinder Customer Care
      JoshuaOctober 29, 2019Staff

      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!


  4. Default Gravatar
    PatriciaOctober 26, 2019

    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?

    • Avatarfinder Customer Care
      JoshuaOctober 27, 2019Staff

      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!


  5. Default Gravatar
    KarenOctober 11, 2019

    Is ambulance cover included in your travel insurance policies?


    • Avatarfinder Customer Care
      JeniOctober 12, 2019Staff

      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!


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