Tick received the following awards in the 2024 Product Awards and 2024 Customer Satisfaction Awards:
| Overseas Medical and Hospital Expenses | Unlimited |
|---|---|
| Cancellation and Amendment Fees | $20,000 |
| Luggage and Personal Effects | $7,500 |
| Maximum Age Limit | 100 |
Table updated March 2025
Tick Travel Insurance is one of a few providers that offer some Covid-19 cover for both overseas and domestic trips. These are some of the key benefits found in Tick's Standard and Top policies:
If you want to know which other insurers offer pandemic cover, we've compared all the providers that cover Covid-19 expenses.
Based on Tick Travel Insurance travel insurance scores in Finder's 2024 Customer Satisfaction Awards.
What do Australians think of Tick Travel Insurance travel insurance?
Choose from four tiers of policies based on how much cover you think you'll need on holiday: Basic, Budget, Standard or Top. Here are some of the main insured events a Tick travel insurance policy can cover you for:
Basic
Budget
Standard
Top
The insurance is issued and underwritten by Mitsui Sumitomo Insurance Company, Limited and comes with a cooling-off period and a $200 standard excess.
The cooling-off period is 14 days and allows you to cancel your policy within this period for a full refund if you decide it is no longer suitable. The excess is the amount you're required to pay when you make a claim. With Tick travel insurance, you can choose to remove the excess and pay an additional premium or double it to reduce your premium.
"I normally get my travel insurance through my credit card, but Bali insisted that visitors have additional COVID cover in 2022 when they opened borders. As a result, I got cover for my wife and myself for $93 through Tick for the week that we were there. We didn't need to claim, but it was the cheapest option that provided COVID cover."
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:
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 the product disclosure statement (PDS) in full, so you know exactly what you'll be covered for.
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:
Make sure you review Tick's PDS for full details of what is and isn't covered.
Tick serves up some important benefits such as unlimited overseas medical cover and up to $20,000 for trip cancellation expenses. Some nice-to-have features such as loss of income cover and pet care expenses might be just what you're looking for in a travel insurance policy.
Where Tick might fall short for you, is when it comes to time to claim. Certain benefits don't kick in unless you meet very specific criteria. Travel delay expenses, for example, aren't claimable unless you've been delayed for more than 12 hours. Many other insurers will cover you after a 6-hour delay.
Purchasing a travel insurance policy does take a bit of pre-reading and with Tick travel insurance, this is even more important. 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.
If you're still not sure about Tick, you can compare other travel insurance companies here.
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Can I subscribe to an international travel insurance from a date when I will already be overseas? I already hold an international travel insurance cover for 3 months through my credit card, but I am traveling an extra week after the 3 months. I am looking for a policy to cover that extra week. Is that possible with Tick Insurance?
Hey Flo,
This probably won’t work the way you’d like it to. Travel insurance companies will almost always require you to start and end your trip in your home country. This is because they underwrite each trip as a whole block. Generally speaking, you won’t be able to pre-purchase a travel insurance policy that starts when you’re already overseas.
I’ll also mention that it’s possible that the length of your trip means that your credit card travel insurance won’t be able to cover your trip at all. If the T’s & C’s limit your trip to a maximum of 90 days, then you’ll likely be required to have left and be back in Australia within that 90 day window. That means that your travel insurance might not be able to cover claims you make at the start of your trip, because your whole trip doesn’t meet the policy conditions.
The first thing to do is check if this is the case, or if your credit card travel insurance is extendable to the full trip. Be prepared though – this is pretty rare with credit card travel insurance. Your credit card company should be able to provide you a phone number to find out more.
If that fails, you’ll likely need a separate policy for the whole trip. Keep in mind that for a long trip like this, you might even benefit from a more comprehensive policy than what’s available through your credit card. Complimentary credit card travel insurance tends to be a little more basic than standalone policies.
Please remember this is not personal advice, and the specifics could change dramatically between insurers and different travellers – the best person to speak to about your specific plans is a travel agent, travel insurance provider or travel insurance broker.
Best of luck, and enjoy your trip!
Hello,
I need to speak with someone as I have made a mistake on my application can I please have a phone number to ask personal questions.
Hi Margaret,
Assuming you took a policy out with Tick Travel insurance, then you can call their 24 hour assistance line on +61 2 9333 3963. We can’t speak to you out your policy, but Tick will be able to. If you took a policy out with a different fund, then you’ll need to track down their contact number.
Hope this helps!
Under the medical expenses, if a bill has been paid in cash and I need to issue a claim, can I still get my money back ? Thank you
Hi Valentina,
Regardless of how the bill was paid, you should have a receipt of payment which you can use for the claim. Hope this helps!
Hi Peta,
We’re a review and comparison site and we’re not affiliated with any travel insurers, so you will need to contact the company you bought this policy through to discuss your situation. Best of luck!
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
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.
Regards,
James