Our verdict: Competitive policies on offer, whether you’re 19 or 99 but you’ll want to read the policy wording carefully to make sure you’re covered for everything you might need.
Travel Insurance - Quality Service Brand (Highly Commended)
Winner for Travel Insurance Customer Satifaction Awards 2023
Summary of Tick's Top policy
Overseas Medical and Hospital Expenses
Unlimited
Cancellation and Amendment Fees
$20,000
Luggage and Personal Effects
$7,500
Maximum Age Limit
100
Table updated June 2024
Tick Travel Insurance: Covid-19
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:
Overseas medical expenses including emergency hospital, surgical, ambulance and repatriation costs
Cancellation or trip disruption if the amendment of your trip is necessary and unavoidable as a result of being diagnosed with COVID-19 after you purchase the policy
Additional travel and accommodation costs including quarantine, excursions and activities
Additional travel expenses that are incurred after departure, where you need to catch up to your original schedule
If you want to know which other insurers offer pandemic cover, we've compared all the providers that cover Covid-19 expenses.
What do Australians think of Tick Travel Insurance travel insurance?
4.45/5 overall for Customer Satisfaction — higher than the average of 4.26
4.64/5 for Trust — higher than the average of 4.57
4.41/5 for Customer Service — higher than the average of 4.2
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.
Our expert says
"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:
Accidental death and permanent disability
Additional emergency expenses
Canceling your trip before departure
Delayed baggage
Loss of income
Overseas medical expenses
Passport and travel documents
Personal belongings and baggage
Personal liability
Pet care
Rental car excess waiver
Travel delay expenses
Optional add-on
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.
Additional specified items cover. 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 Standard or Top cover.
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.
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:
Travel to Afghanistan, Antarctica, Chad, Crimea, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, North Korea, Pakistan, Russia, Somalia, Sudan, Syria, Uganda, Venezuela, Yemen and Zimbabwe or through an area designated as "Do Not Travel" by SmartTraveller.gov.au
Travel on a commercial cruise for longer than 2 hours
Travellers under the age of 16 years unsupervised by an adult during the trip
Travel against the advice of a medical practitioner, if you know you'll need medical treatment during your trip or if you're travelling to get medical treatment
Travel for the purpose of humanitarian or missionary work, manual labour or working with animals
Suicide, attempted suicide, self harm, self-injury or you deliberately putting yourself in danger
The use of a two- or three-wheeled motor vehicle unless you are wearing a crash helmet (this is irrespective of the law in the country you are in)
Make sure you review Tick's PDS for full details of what is and isn't covered.
How to make a Tick claim
Head to https://quote.tickinsurance.com.au/policylogin.aspx
Enter your policy number, surname and date of birth to log in
Complete your claim details by answering all sections
Upload any documents relevant to your claim
Submit and your claim should be evaluated within 10 business days
Here's the bottom line about Tick Travel Insurance
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.
Yes, Tick Travel Insurance can be a good option for many types of travellers. You'll find some generous benefit limits and nice-to-have extras with its top-tier policies. You'll just need to make sure you review the PDS to make sure Tick will cover you for everything you've got planned on your trip.
You can contact Tick's emergency assistance line on +612 9333 3963 and general enquiries can be sent to info@tickinsurance.com.au.
Tick Travel Insurance has a 14 day cooling off period. As long as you have not begun your trip or made any claims, you can cancel your policy during this time and receive a refund.
Cancellation after this 14 days period is still possible but will be a refund of the proportion of the premium for the outstanding period of cover less any government charges and taxes that Tick cannot recover.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio
Find out how to get travel insurance for children/under 18s travelling without the supervision of their parents and learn the terms and conditions for getting free child cover for your dependent child.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
I have just bought travel insurance – policy 3101356377 but need to cancel as this insurance doesn’t suit my purpose of gaining a visa.
Please cancel.
Finder
SarahAugust 8, 2024Finder
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!
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
Finder
JamesFebruary 24, 2022Finder
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
ChristosNovember 23, 2021
When will Tick recommence international travel insurance ( to Thailand)
Finder
JamesDecember 1, 2021Finder
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.
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?
Finder
JoshuaOctober 29, 2019Finder
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
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?
Finder
JoshuaOctober 27, 2019Finder
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
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I have just bought travel insurance – policy 3101356377 but need to cancel as this insurance doesn’t suit my purpose of gaining a visa.
Please cancel.
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
When will Tick recommence international travel insurance ( to Thailand)
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.
Best,
James
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