Tick Travel Insurance

Tick Travel Insurance

Compare Tick Travel Insurance policies and find the cover that's right for you

Tick Travel Insurance aims to provide simple and easy to understand travel insurance policies, to suit the needs of a wide range of travellers. Its Single Trip policy covers an extensive selection of common travel risks, including everything from cancellation fees and lost deposits to overseas medical emergencies.


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Brands Product Product Details Apply
Tick Travel Insurance Tick Basic Travel Insurance

Unlimited overseas emergency medical assistance

$500 dental expenses

$1,500,000 personal liability

$2,000 luggage and personal effects

Get quoteMore info
Tick Travel Insurance Tick Standard Travel Insurance

Unlimited overseas medical expenses

$10,000 alternative travel expenses

$5,000 cancellation fees and lost deposits

$4,000 luggage and personal effects

Get quoteMore info
Tick Travel Insurance Tick Top Travel Insurance

Unlimited overseas medical expenses

$20,000 alternative travel expenses

$15,000 cancellation fees and lost deposits

$7,500 luggage and personal effects

Get quoteMore info
Tick Travel Insurance Ski cover extension

Winter sports over upgrade

Winter sports equipment

Winter sports equipment hire

Lift pass

Ski pack

Piste closure

Avalanche cover

Get quoteMore info

Who is Tick Travel Insurance underwritten by?

Tick is underwritten by MAPFRE ASISTENCIA which in turn is part of the global MAPFRE Group. MAPFRE ASISTENCIA is a global assistance, service and specialty risk provider, which insures more than 100 million people around the world.

What options are available?

Tick Travel Insurance Single Trip policy provides three levels of cover: Basic, 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 $1.5 million.

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 the highest level of cover available and includes cover for:

  • Unlimited overseas medical expenses
  • $15,000 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 is covered by these policies?

  • 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 will 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 covers the money you will lose as a result. Journey resumption cover also allows 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 will be covered up to a certain limit.
  • Baggage delay. When your luggage is delayed by a carrier, you’ll 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 when you are responsible for causing injury or property damage to a third party.
  • Rental vehicle excess waiver. This benefit covers the cost of your rental car insurance excess if the car is stolen, crashed or damaged.
CoverBasic StandardTop
Trip cancellationNil$5,000$15,000
Overseas medical and hospital expensesUnlimitedUnlimitedUnlimited
Dental treatment$500$500$500
Return of remains to Australia$20,000$20,000$20,000
Funeral or burial outside Australia$10,000$10,000$10,000
In hospital benefitNil$75 per 24 hours up to $1,500$75 per 24 hours up to $3,000
Cutting your trip shortNil$5,000$15,000
Additional emergency expenses$5,000$10,000$20,000
Resumption of journeyNilNil$3,000
Travel delayNil$50 per completed 12 hours up to $500$100 per completed 12 hours up to $1,000
Personal belongings and baggage$2,000$4,000$7,500
Delayed baggageNil$200$400
Passport and travel documentsNil$2,000$4,000
Death benefitNil$10,000$25,000
Death of dependant childNil$7,500$15,000
Disability benefitNil$10,000$25,000
Personal liability$1.5 million$1.5 million$3 million
Legal expensesNil$10,000$25,000
Pet careNilNil$600
Financial defaultNil$1,000$1,000
Rental vehicle excess waiverNil$2,000$4,000
Loss of incomeNil$5,200$10,400

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.

What are the general exclusions?

Your Tick Travel Insurance claim will 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
  • Any insured person is awaiting treatment for an undiagnosed condition
  • Any insured person is travelling against the advice of a medical practitioner
  • Any insured person 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
  • You are 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 is simple and straightforward. 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.

Tick Travel Insurance FAQs

Can I extend my cover?

Yes, your cover can be extended up to 365 days of travel. Of course, depending on your circumstances, this could raise the cost of your premium.

Is cover available for my phone and laptop?

Yes, a Standard policy or a Top policy will cover these items up to certain sub-limits. However, no valuables cover is available with a Basic policy.

Can I purchase a policy online?

Yes, you can purchase cover from the Tick Travel Insurance website. The first step in the process is obtaining a free online quote.

Are sports and leisure activities covered?

Yes, Tick Travel Insurance provides cover for up to 90 sports and leisure activities, including abseiling, basketball, mountain biking, parasailing, canoeing and more. Read the PDS for a full list of covered sports.

How are pre-existing medical conditions treated by Tick?

Tick Travel Insurance assesses each pre-existing medical condition on an individual basis. You can complete an online questionnaire or phone the insurer directly to find out whether or not they will cover your condition.

Is cover provided for my children?

Yes, dependant children (those under the age of 18) are covered for free as part of your Tick Travel Insurance policy.

What is the maximum trip length Tick will cover?

The maximum length of a trip that you can cover under one policy is 365 consecutive days.

Can my travelling companion and I obtain cover under the same policy?

Yes, you and a friend can take out travel insurance cover under one policy.

I’ve already departed from my trip - is it too late to take out a Tick Travel Insurance policy?

Yes it is. You need to apply for cover before you depart for your journey, but cover can be brought 12 months in advance or just one day before you travel.

How old can I be and still be eligible for cover?

Tick Travel Insurance provides cover for travellers up to 100 years of age.

What excess will I have to pay when I make a claim?

Tick’s standard excess is $200 but you can decide on your excess amount when you apply for cover.

Apply for Tick Travel Insurance Today

If you want simple, easy to understand travel insurance that covers you against a broad range of risks, Tick Travel Insurance can help. Just make sure to compare Tick’s cover features with other policies on the market before deciding on the best insurer and policy for you.

Compare Tick Travel Insurance policies and apply online

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8 Responses to Tick Travel Insurance

  1. Default Gravatar
    Jeanette | March 16, 2017

    If a family member (eg sons daughters sisters or brother) becomes seriously ill while we are abroad and we have to return, would Tick cover this type of claim.

    • Staff
      Zubair | March 17, 2017

      Hi Jeanette,

      Thank you for your question.

      Tick Travel insurance covers you for the unexpected death, sudden injury or illness of a relative. However, Tick Travel Insurance won’t cover you if you are aware of any pre-existing medical condition before the policy started or if during the 90 days before the policy they needed any treatments, consultation, required medication or had been diagnosed with a terminal condition.

      You may find our travel insurance for non-travelling relatives article helpful.

      All the best,

  2. Default Gravatar
    Joyce | February 3, 2017

    Do you cover pre existing – small CVA.?

    • Staff
      Richard | February 3, 2017

      Hi Joyce,

      Thanks for getting in touch. Generally, pre-existing conditions are assessed on case-by-case basis. To find out more please head over to our travel insurance and pre-existing conditions article.


  3. Default Gravatar
    Rod | July 27, 2016

    I purchased travel insurance with Tick today I cannot down load my policy I have policy number and reference number available

    • Staff
      Richard | July 28, 2016

      Hi Rod,

      Thanks for your comment. finder.com.au is a comparison service. You will need to contact Tick directly for a copy of your policy, which you can do by calling 1300 235 444 or emailing info@tickinsurance.com.au.
      I hope this was helpful,

  4. Default Gravatar
    David | July 23, 2015

    I have had to cancel a trip due to illness. What is the next step please

    • Staff
      Richard | July 23, 2015

      Hi David,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. To make a claim with Tick Travel Insurance, you’ll need to fill out their cancellation form. You can find this from and other claims information by following this link.

      I hope this was helpful,

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