Compare Tick Travel Insurance policies and find the cover that's right for you.
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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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 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.
| Cover | Basic | Standard | Top |
|---|---|---|---|
| Trip cancellation | Nil | $5,000 | $20,000 |
| Overseas medical and hospital expenses | Unlimited | Unlimited | Unlimited |
| 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 benefit | Nil | $75 per 24 hours up to $1,500 | $75 per 24 hours up to $3,000 |
| Cutting your trip short | Nil | $5,000 | $15,000 |
| Additional emergency expenses | $5,000 | $10,000 | $20,000 |
| Resumption of journey | Nil | Nil | $3,000 |
| Travel delay | Nil | $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 baggage | Nil | $200 | $400 |
| Passport and travel documents | Nil | $2,000 | $4,000 |
| Money | Nil | $200 | $300 |
| Death benefit | Nil | $10,000 | $25,000 |
| Death of dependant child | Nil | $7,500 | $15,000 |
| Disability benefit | Nil | $10,000 | $25,000 |
| Personal liability | $1.5 million | $1.5 million | $3 million |
| Legal expenses | Nil | $10,000 | $25,000 |
| Hijack | Nil | Nil | $2,500 |
| Pet care | Nil | Nil | $600 |
| Financial default | Nil | $1,000 | $1,000 |
| Rental vehicle excess waiver | Nil | $2,000 | $4,000 |
| Loss of income | Nil | $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 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.
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 generally assesses pre-existing medical conditions 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 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.
Can I get an email for my ins policy from 21/8 to 31/8
Hi Primmer,
Thanks for leaving a question on finder. Please note that we are is a financial comparison and information website that helps consumers make better decisions. We do not represent any of the providers we feature on our website.
You can request for you policy directly by calling Tick at +612 9333 3963.
Cheers,
Joel
What is meant by “Pet Care” and what does it cover?
Hi Peter,
Thank you for getting in touch with finder.
As a friendly reminder, while we do not represent any company we feature on our pages, we can offer you general advice.
Do you have pets that you leave at home while traveling?
If your flight is delayed by more than 24 hours on your final flight home and your pet is in a kennel or cattery, they’ll cover vet fees if your pet is injured during that time and the additional boarding costs up to the limits in the policy.
I hope this helps.
Have a great day!
Cheers,
Jeni
I have a tick travel insurance policy for a recent holiday in Bali when we got to the villa we had booked and paid for it wasn’t safe and in disgusting filthy conditions and with 2 babies I just couldn’t stay there and had to find alternate emergency accommodation can I claim this?
Hi Kylie,
Thanks for reaching out to us. Please note that we are not affiliated with Tick Travel Insurance or any company we feature on our site and so we can only offer you general advice.
With Tick Travel Insurance, you will be covered for additional accommodation, transport and meals expenses you incur as a result an emergency or if your trip is disrupted while you are abroad. Please contact Tick Travel Insurance directly to explain your situation and further inquire to see what they can do for you.
Best regards,
Rench
Do you currently cover delay and or cancellation related expenses in bali and lombok if volcano erupts? We travel there on january 21
Hi Lana,
Thanks for your inquiry. Please note that we are not affiliated with Tick Travel Insurance or any company we feature on our site and so we can only offer you general advice.
For Tick Travel Insurance, 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.
You may contact Tick Travel insurance directly to further inquire if it will also be cover your Bali trip.
At the moment, the Mount Agung volcano in Bali has begun erupting, and cover restrictions regarding the elevated threat posed by the eruption are starting to trickle in. You may get more info on this page.
Best regards,
Rench
Is cover available for motor cycle hire and use ? In Phuket.
Hi Bob,
Thank you for your inquiry.
Regarding motorcycle insurance, we have a guide here where you can check and review the possible options.
I hope this information has helped.
Cheers,
Harold
when i take out a top policy cover am i covered for dying overseas such as heart attack or getting sick and dying .i will be declaring high blood pressure and the medication i take Will this be covered
Hello Karen,
Thank you for reaching out to us for your query.
It is understandable to want clarification on what you will actually be covered for with your travel insurance policy.
Most insurance providers would include cover for hypertension
Please visit this page to see your options.
Depending on the provider, you may have to meet one or more of these conditions:
* You were not hospitalised in the last 24 months
* Your hypertension must be stable and managed by your doctor
* You are not taking more than two medications for the condition
* You must have no known heart or cardiovascular conditions
* You must have not had any changes to your medication within the past 12 months
* You have not been a smoker in the last 18 months
* You must not be suffering any symptoms of, or be undergoing investigations into, your high blood pressure
* You must not also suffer from diabetes
* Your current blood pressure reading must be within acceptable ranges
Ultimately, it will still be best if you get in touch with the insurer you have in mind to gain assurance and clarification on this.
Hope this helped.
Cheers,
Gru
My question is in regard to my 2 grandchildren who are travelling with us on a cruise for 3 days. We received insurance ourselves free through the company that the holiday was booked through but in their case it does not cover them. I have used Tick before as you could probably see from our records and wonder if you can assist us in this regard. They are 4 and 7 year olds and we leave on Friday 28th April and return early Monday morning 3 nights in total. The ship does not go into port it is at sea for the duration of the trip. Look forward to your comments and your assistance.
Hi Mary,
Thank you for your question.
You have contacted finder.com.au, a comparison and information service and not actually Tick Travel insurance.
If you would like to compare policies from Tick Travel Insurance and the rest of the brands in our panel, please enter your travel details into the comparison tool on the travel insurance home page.
All the best,
Zubair
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.
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,
Zubair
Do you cover pre existing – small CVA.?
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.
Cheers,
Richard
I purchased travel insurance with Tick today I cannot down load my policy I have policy number and reference number available
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,
Richard