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Tick Travel Insurance

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.

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Cristal Dyer

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Pros

  • Tick is one of the handful of travel insurance providers that offer specific cover for COVID-19 expenses.
  • The budget option still includes some hefty benefits, including $2,000 worth of cover for baggage and $1,000,000 for personal liability.

Cons

  • There is currently no cover for cruise travel or those looking for an annual policy to cover multiple trips.

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Tick won the award for 'Travel Insurance' in the 2023 Customer Satisfaction Awards.

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Summary of Tick's Top policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment Fees$20,000
Luggage and Personal Effects$7,500
Maximum Age Limit100

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 policies do Tick offer?

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:

Luggage

Basic

Backpack

Budget

Passport

Standard

Travel plane luggage passport

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.

Here's a breakdown of Tick travel insurance features

Standard features
Optional add-on
Exclusions

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Standard features

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

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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.

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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
  • If you are or will be more than 30 weeks pregnant
  • 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.

If you're still not sure about Tick, you can compare other travel insurance companies here.

Frequently asked questions

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Writer

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

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58 Responses

    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
      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

    Default Gravatar
    ChristosNovember 23, 2021

    When will Tick recommence international travel insurance ( to Thailand)

      AvatarFinder
      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.

      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

    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
      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

    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
      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

    Default Gravatar
    KarenOctober 11, 2019

    Is ambulance cover included in your travel insurance policies?

    Thanks,
    Karen

      AvatarFinder
      JeniOctober 12, 2019Finder

      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!

      Cheers,
      Jeni

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