Tick Travel Insurance

Tick travel insurance review

Tick travel insurance offers some competitive domestic policy features, but compare its three plans with care as its most basic insurance won’t cover your rental vehicle.

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Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures

    Our Verdict

    • Tick offers a choice of domestic travel plans with an impressive trip cancellation and amendment cover of up to $20,000 with its premium package.
    • This insurer was one of the few providers we saw who have a sign-up deal that applies across all travel policies. Take advantage of a 10% saving on your premium (correct as of April 2021).
    • Tick wasn't one of the five travel insurers that Finder's research team found who offer specified cover for COVID-19 expenses.

    Review by our senior insurance writer James Martin

    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 more.

    Tick Travel Insurance promo code

    Code exclusive

    Get 10% off all Tick travel insurance policies

    Only on Finder. Use this code to get a 10% discount. T&Cs apply.

    Compare quotes for Tick's travel insurance policies

    Name Product Cancellation and amendment fees Theft or damage to lugagge Rental car excess insurance COVID-19 expenses Standard excess
    Tick Basic Domestic Travel Insurance
    • $1,500
    • $2,000
    No Cover
    ⭐ Finder Exclusive: Save 10% on travel insurance with Tick and choose between three domestic travel plans. Ts&Cs apply.
    Tick Standard Domestic Travel Insurance
    • $5,000
    • $3,000
    ⭐ Finder Exclusive: Save 10% on travel insurance with Tick and choose between three domestic travel plans. Ts&Cs apply.
    Tick Top Domestic Travel Insurance
    • $20,000
    • $7,500
    ⭐ Finder Exclusive: Save 10% on travel insurance with Tick and choose between three domestic travel plans. Ts&Cs apply.

    Compare up to 4 providers

    Summary of Tick's Single Trip 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 2021

    What options are available?

    • Tick Basic Travel Insurance. Unlimited medical expenses overseas, cover for personal belongings and baggage, trip disruption and personal liability cover of $1,000,000.
    • Tick Budget Travel Insurance. Unlimited medical expenses overseas, $5,000 limit for emergency expenses and cancellation of pre-paid expenses. You also get increased cover for personal belongings and baggage and $1,000,000 liability cover.
    • Tick Standard Travel Insurance. Cover for the above plus travel delay, rental vehicle excess waiver and $1,500,000 liability cover.
    • Tick Top Travel Insurance. Unlimited overseas medical expenses, $20,000 cancellation cover, $7,500 for personal belongings and baggage cover, $3,000 for resumption of journey cover and $3,000,000 of liability cover. It also comes with cover for hijacking, pet care, and accident, disability and death.

    Tick Travel Insurance review of benefits

    For an in-depth look at some of Tick's benefits, check out the table below.

    CoverSingle Trip BasicSingle Trip BudgetSingle Trip StandardSingle Trip Top
    Trip cancellation
    Overseas medical and hospital expensesUnlimitedUnlimitedUnlimitedUnlimited
    Dental treatment$500$500$500$500
    Return of remains to Australia$20,000$20,000$20,000$20,000
    Funeral or burial outside Australia$10,000$10,000$10,000$10,000
    In-hospital benefit
    Up to $1,500 Up to $3,000
    Cutting your trip short
    Additional emergency expenses$5,000$5,000$10,000$20,000
    Resumption of journey
    Travel delay
    Up to $500 Up to $1,000
    Personal belongings and baggage$2,000$2,500$4,0000$7,500
    Delayed baggage
    Passport and travel documents
    Death benefit
    Death of dependant child
    Disability benefit
    Personal liability$1,000,000$1,000,000$1,500,000$3,000,000
    Legal expenses
    Pet care
    Financial default
    Rental vehicle excess waiver
    Loss of income

    Table was last updated: June 2021

    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.
    • 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 Top cover.

    Does Tick Travel Insurance cover cruises?

    Yes. There's no need to buy a special "cruise add-on" because all of Tick Travel Insurance policies automatically cover you when you're at sea. That means you're automatically covered if the following were to happen:

    You have a medical emergency and need to be airlifted from sea to the nearest hospital

    You get gastro and the on-board medical centre charges you a fortune

    A cyclone pummels your next destination and you have to cancel your pre-paid activities

    You miss your departure because of a car accident on the way to the port so you need to fly to the next port

    Note that Tick Travel Insurance does not offer niche cruise features that you might find on a specialty cruise policy or a specially designed cruise add-on. Therefore you won't find features like cabin confinement cover, which would pay you a daily stipend if cruise authorities confine you to your cabin, or formal attire cover, which would pay to repair or replace expensive formal attire or pay you to rent some if yours is lost or damaged.

    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

    Tick Travel Insurance contact details

    • To make a claim online. You can lodge your claim at this web address – https://www.tickinsurance.com.au/claims/
    • By phone. Call +612 9333 3963 for emergencies
    • Emergencies and claims. Email assistance@tickinsurance.com.au

    Tick Travel Insurance frequently asked questions

    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.

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    54 Responses

      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 Customer Care
        JoshuaOctober 29, 2019Staff

        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!


      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 Customer Care
        JoshuaOctober 27, 2019Staff

        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!


      Default Gravatar
      KarenOctober 11, 2019

      Is ambulance cover included in your travel insurance policies?


        Avatarfinder Customer Care
        JeniOctober 12, 2019Staff

        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!


      Default Gravatar
      kenJuly 6, 2019

      I purchased tick insurance 5/7/2019 for travel Oct/Nov 14 day cruise am I covered from this date until trip end

        Default Gravatar
        NikkiJuly 6, 2019

        Hi Ken,

        Thanks for your inquiry.

        You are covered from the start to end date of your trip for as long as you let Tick Travel know of your exact travel dates.

        Hope this helps!


      Default Gravatar
      PeterJune 18, 2019

      I have Tick Travel insurance for my trip to North America, Central America and Hong Kong. I have gone to a travel specialist doctor for advice and prescription medicine associated with this trip. Can I claim any of this back on travel insurance?

        Avatarfinder Customer Care
        JeniJune 19, 2019Staff

        Hi Peter,

        Thank you for getting in touch with Finder.

        Most standard travel insurance policies do not cover loss or theft of prescription drugs. If you’ll be taking regular medication during your trip, you generally won’t be able to find cover for them as the drugs are for a pre-existing condition. However, if you are hospitalised overseas and are prescribed medication for a new ailment, you may be able to make a claim under the overseas medical section of your policy.

        Please contact Tick Travel directly regarding your prescription drugs.

        I hope this helps.

        Thank you and have a wonderful day!


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