Tick Travel Insurance Review
Tick Travel Insurance was launched in 2015 and focused on providing Australian travelers with affordable yet adaptable travel insurance. Underwritten by Mitsui Sumitomo Insurance Company Limited (MSI) and administered by Europ Assistance Australia Pty Ltd, Tick uses the strength of these partnerships to deliver reliable coverage.
Europ Assistance, operating under MSI’s binding authority, administers policies and manages claims on behalf of Tick.
| 🔎 Date Established | 2015 |
| 🏦 Headquartered | Sydney, Australia |
| 🛡️ Regulation and Compliance | Underwritten by Mitsui Sumitomo Insurance Company Limited, administered by Europ Assistance Australia Pty Ltd |
| 📌 Type of Travel Insurance Plans Offered | Single Trip, Domestic, International |
| 📍 Key Cover Areas | Medical expenses, trip cancellation/interruption, baggage loss, personal liability, emergency evacuation |
| 🚨 Emergency Assistance Services | 24/7 emergency assistance is available |
| 🤕 COVID-19 Cover | Covers medical expenses, trip cancellation, and quarantine costs related to COVID-19 under Standard and Top policies |
| 📊 Maximum Cover Limits | Unlimited medical expenses, up to $20,000 for cancellation, $3 million for personal liability |
| ⚽ Adventure and Sports Cover | Cover for over 90 sports and activities, winter sports cover is available as an upgrade |
| 🖱️ Claims Submission Process | Claims can be submitted online or via mail with required documentation |
| ⏰ Average Claim Settlement Time | 10-15 working days |
| ❤️ Customer Support Availability | 24/7 for emergencies, general inquiries handled within one business day |
| 📲 Mobile App and Digital Services | Online portal for policy management and claims processing |
| ⭐ Customer Reviews and Ratings | 4 out of 5 stars on ProductReview.com.au |
| 💛 Annual Premium Range | From $72.49 per month for domestic, $62.51 per month for international |
| 📊 Exclusions and Limitations | Pre-existing conditions travel against medical advice, high-risk destinations, unlawful acts, the influence of alcohol or drugs |
| 📈 Discounts and Promotions | Free cover for children traveling with parents or guardians |
| 📉 Policy Limits and Flexibility | Flexible cover levels, optional upgrades for excess waiver, and natural disaster cover |
| 🌍 Global Reach and Market Presence | Primarily serves Australian residents, covers available for international travel |
Tick Plan Comparison and Overview
| 🔎 Plan Option | 📌 Features | 📍 Min and Max Premium | 📉 Cover Limits | 📈 Exclusions | ❤️ Ideal For | 🚨 Emergency Assistance | 🚨 Mobile App Offered | 🎉 Discounts Available |
| 🥇 Basic | Medical expenses, personal liability, luggage cover | $72.49/month domestic, $62.51/month international | Medical: Unlimited, Luggage: $2,000 | Pre-existing conditions, unattended belongings, illegal acts | Budget travellers | ✅Yes | None | None |
| 🥈 Budget | Medical, trip cancellation, personal belongings | From $96.07/month international | Medical: Unlimited, Cancellation: $5,000, Luggage: $3,000 | High-risk activities, war, travel against advice | Moderate cover | ✅Yes | None | None |
| 🥉 Standard | Includes Budget features plus higher limits | From $106.19/month domestic, $142.60/month international | Medical: Unlimited, Cancellation: $10,000, Luggage: $5,000 | Adventure sports, alcohol-related incidents | Frequent flyers | ✅Yes | None | None |
| 🏅 Top | Comprehensive cover with the highest limits | From $121.23/month domestic, $169.82/month international | Medical: Unlimited, Cancellation: $20,000, Luggage: $7,500 | Terrorism, civil unrest, nuclear risks | Comprehensive cover | ✅Yes | None | None |
Travel Insurance Plans and Cover Options
Tick Travel Insurance offers a range of plans, each designed to meet different needs and budgets, with varying levels of coverage for medical emergencies, trip cancellations, personal belongings, and more.
Basic Plan
- Primary Inclusions: Essential health cover for unexpected medical emergencies, including unlimited overseas medical expenses. Provides personal liability cover of up to $1 million.
- Exclusions: Trip cancellation, travel delay expenses, cover for delayed baggage. Limited personal belongings cover of $2,000.
| 🔎 Benefit | 📌 Cover |
| 📉 Overseas Medical Expenses | Unlimited |
| 📈 Trip Cancellation | Not Covered |
| 📊 Travel Delay Expenses | Not Covered |
| 💹 Personal Belongings and Baggage | $2,000 |
| 📉 Delayed Baggage | Not Covered |
| 📈 Passport and Travel Documents | Not Covered |
| 📊 Personal Liability | $1,000,000 |
Budget Plan
- Primary Inclusions: Adds cover for trip cancellations up to $5,000 and limited travel delay expenses. Cover for delayed baggage is excluded, but the plan includes personal belongings covering up to $2,500.
- Exclusions: Higher-tier benefits like rental vehicle excess and high-value items. Personal liability is capped at $1 million.
| 🔎 Benefit | 📌 Cover |
| 📉 Overseas Medical Expenses | Unlimited |
| 📈 Trip Cancellation | Up to $5,000 |
| 📊 Travel Delay Expenses | Not Covered |
| 💹 Personal Belongings and Baggage | $2,500 |
| 📉 Delayed Baggage | Not Covered |
| 📈 Passport and Travel Documents | Not Covered |
| 📊 Personal Liability | $1,000,000 |
Standard Plan
- Primary Inclusions: Travel-related expenses like trip cancellations up to $5,000, travel delay expenses up to $500, and personal belongings cover up to $4,000. Covers delayed baggage up to $300 and passport protection up to $2,000.
- Exclusions: High-cost events included in the Top Plan. The personal liability limit increased to $1.5 million.
| 🔎 Benefit | 📌 Cover |
| 📉 Overseas Medical Expenses | Unlimited |
| 📈 Trip Cancellation | Up to $5,000 |
| 📊 Travel Delay Expenses | Up to $500 |
| 💹 Personal Belongings & Baggage | $4,000 |
| 📉 Delayed Baggage | Up to $300 |
| 📈 Passport & Travel Documents | Up to $2,000 |
| 📊 Personal Liability | $1,500,000 |
Top Plan
- Primary Inclusions: The highest level of cover across all areas, including trip cancellation up to $20,000, travel delay expenses up to $1,000, and personal belongings cover up to $7,500. Also covers delayed baggage up to $400, passport and travel documents protection up to $4,000, and a rental car excess waiver of up to $4,000.
- Exclusions: Comprehensive, with limited exclusions compared to lower-tier plans.
| 🔎 Benefit | 📌 Cover |
| 📉 Overseas Medical Expenses | Unlimited |
| 📈 Trip Cancellation | Up to $20,000 |
| 📊 Travel Delay Expenses | Up to $1,000 |
| 💹 Personal Belongings & Baggage | $7,500 |
| 📉 Delayed Baggage | Up to $400 |
| 📈 Passport & Travel Documents | Up to $4,000 |
| 📊 Rental Car Excess Waiver | Up to $4,000 |
Trip-Related Cover
Trip Cancellation covers non-refundable expenses if a trip is canceled due to unexpected illness or other qualifying disruptions. Limits vary, and there’s coverage up to $20,000 for Top plans.
Travel Delay has financial assistance if travel is delayed beyond a set period, covering additional accommodation and meal expenses. Cover limits range from $500 in Standard plans to $1,000 in Top plans, applicable only after a delay surpasses 12 hours.
Rental Vehicle Excess Cover covers the excess costs associated with rental vehicle damage or theft, up to a maximum of $4,000 for Top plans.
Personal Belongings and Luggage
Tick’s policies include cover for personal belongings and luggage depending on the plan, with higher cover limits in Standard and Top plans. Cover protects items against loss, theft, or damage, with limits up to $7,500 for Top plans.
Key Features and Benefits of Tick Travel Insurance
Tick Travel Insurance offers several optional benefits. The Standard and Top plans include COVID-19 coverage for medical expenses, trip cancellation, and quarantine-related costs. All policyholders have access to 24-hour Emergency Assistance for medical and travel emergencies.
For rental cars, a Vehicle Excess Waiver covers up to $4,000 for damage or theft, available for rentals of 35 days or less. Winter Sports Cover is available for an additional premium, covering equipment loss and piste closure. Travelers can also opt for the Excess Eliminator to remove the $200 excess per claim for an added cost.
Family and Group Travel Benefits
| 🍼 Free Cover for Children | Children under 18 traveling with a parent or guardian are automatically included at no additional cost. The cover is aligned with the adult’s policy level |
| 💛 Dependent Eligibility | Parents or grandparents can purchase policies for financially dependent children or grandchildren under 16 if an adult supervises them during travel |
| ⭐ Cover for Dependents Over 18 | Dependents over 18 are eligible for cover but must pay the full adult premium |
| 🫶 Policy Consistency | Children and dependents named on the policy receive the same cover level as the primary insured adult, ensuring uniform protection across family members |
COVID-19 and Pandemic-Related Cover
Tick Travel Insurance has COVID-19-related coverage under the Standard and Top plans with protection for trip cancellation, medical expenses abroad, and additional quarantine costs incurred due to a positive COVID-19 diagnosis.
Cover doesn’t extend to government-imposed travel bans or border closures unrelated to a policyholder’s COVID-19 diagnosis. Below is a detailed breakdown of the included and excluded benefits within Tick’s COVID-19 cover.
| 🔎 Cover Area | 📌 Included | 💶 Up to Amount | ❌ Excluded |
| 📊 Overseas Medical Expenses | Covers hospitalization, doctor visits, emergency treatment if diagnosed with COVID-19 abroad | Unlimited | Medical costs not directly related to COVID-19 |
| 📈 Trip Cancellation | Reimbursement for non-refundable travel expenses if diagnosed with COVID-19 before departure | Up to $20,000 (Top Plan) | Cancellations due to border closures, government-imposed bans, or concerns over COVID-19 risks |
| 📉 Trip Disruption | Covers additional accommodation and travel if COVID-19 diagnosis disrupts trip | Included under Standard and Top Plans | Disruptions due to other travelers contracting COVID-19 |
| 🤕 Quarantine-Related Expenses | Additional costs for quarantine accommodation if required due to COVID-19 diagnosis abroad | Varies by policy level | General quarantine costs not related to a positive COVID-19 test for the policyholder |
| 💊 Medical Repatriation | Emergency repatriation to Australia for severe COVID-19 symptoms | Unlimited | Repatriation requests for non-emergency reasons or as a precaution |
| 🏖️ Non-Refundable Accommodation and Tours | Cover for pre-paid accommodation, meals, and excursions if canceled due to COVID-19 diagnosis | Included under the Top Plan | Losses due to personal choice cancellations or government restrictions unrelated to COVID-19 |
| 💉 Vaccination Requirements | Adherence to COVID-19 vaccination requirements to qualify for certain benefits | Not Applicable | Costs associated with non-compliance with vaccination requirements |
Tick Travel and Health Cover Overview
Tick’s health and medical cover addresses travelers’ needs when they have medical emergencies abroad. Cover includes emergency hospital stays, medical evacuations, and repatriation to help travelers manage unexpected healthcare fees.
- Unlimited cover for hospital stays, physician fees, and emergency treatment for illnesses or injuries occurring overseas, applicable across all policy levels.
- Tick covers emergency medical evacuation to the nearest suitable medical facility and repatriation to Australia for serious health issues.
- Includes necessary accommodation and travel expenses for a companion staying with the policyholder during hospitalization, subject to policy limits.
- Cover up to $500 for immediate pain relief, applicable across all policy levels but excluding routine or elective treatments.
Cover excludes treatment for pre-existing conditions not disclosed or approved, high-risk activities without the appropriate add-on, and injuries resulting from certain excluded activities (e.g., hazardous sports).
Pricing, Premiums, and Value for Money
Tick Travel Insurance premiums are calculated based on key factors, including the traveler’s age, trip duration, and chosen policy level.
Premium rates start at approximately $72.49 per month for domestic Basic cover and $62.51 for international Basic cover. Higher cover levels, such as Top cover, are priced around $121.23 per month for domestic and $169.82 for international trips. These rates increase when you add optional covers like winter sports or excess waivers.
The standard excess amount for claims is $200 per person per event. Travelers can remove this excess by paying an additional premium through the Excess Eliminator.
| 🔎 Factor | 📌 Details |
| 💶 Starting Premiums | Domestic: $72.49 (Basic), $121.23 (Top) per month; International: $62.51 to $169.82. |
| 💵 Excess | Standard $200 per claim, per person. |
| 💷 Excess Waiver Option | Excess can be removed entirely by paying an additional premium. |
| 📊 Influencing Factors | Age, trip length, policy level, and selected add-ons (e.g., winter sports cover). |
Comparison of Price to Cover Ratios
The following table compares the cover limits against the premium for each Tick Travel Insurance plan, demonstrating how the value of cover aligns with the cost.
| 🔎 Plan Level | 💷 Monthly Premium (Starting) | 💵 Overseas Medical | ❌ Trip Cancellation | 🧸 Baggage and Personal Belongings | 📉 Personal Liability | 📈 Rental Car Excess |
| 🥇 Basic | Domestic: $72.49; International: $62.51 | Unlimited | Not Covered | $2,000 | $1,000,000 | Not Covered |
| 🥈 Budget | Domestic: Varies; International: From $96.07 | Unlimited | $5,000 | $2,500 | $1,000,000 | Not Covered |
| 🥉 Standard | Domestic: From $106.19; International: $142.60 | Unlimited | $5,000 | $4,000 | $1,500,000 | $2,000 |
| 🏅 Top | Domestic: $121.23; International: $169.82 | Unlimited | $20,000 | $7,500 | $3,000,000 | $4,000 |
Tick Travel Insurance Discounts and Incentives
Tick Travel Insurance provides select incentives primarily through benefits for families. Children under 18 are covered for free when traveling with a parent or guardian, saving families from paying additional premiums. If dependents over 18 are included, they must pay the full adult premium rate.
Tick doesn’t offer specific discounts on policy premiums or price reductions for additional cover options. Instead, policyholders can access incentives based on the plan level, such as choosing add-ons like winter sports or excess waivers for tailored protection.
Eligibility for free child cover requires that the child is included in the policy and travel under adult supervision.
How Do I Apply For Travel Insurance with Tick?
Get a Quote from the Tick Travel Insurance website by clicking the “Get a Quote” option.
- Enter your destination, travel dates, the number of travelers, and their ages to receive an estimated premium.
- Review the cover options (Basic, Budget, Standard, or Top for International travel and Basic, Standard, and Top for domestic) and select an appropriate one.
- Consider optional add-ons, like winter sports or excess waivers.
- Provide the name, age, and relevant health information for each traveler covered under the policy.
- Tick might need more information about pre-existing conditions depending on the cover level selected, subjecting the policyholder and/or dependents to a health assessment.
- Review the information to ensure everything is accurate before proceeding.
Enter payment details and complete the transaction. Once payment is processed, Tick will confirm your coverage and send your policy documents via email.
Key Documentation Required When Applying for Tick Travel Insurance
- Personal Identification: Names, dates of birth, and contact details for all travelers.
- Travel Details: Information on destinations, travel dates, and trip duration.
- Health Declarations: Disclosure of pre-existing medical conditions for assessment if needed.
- Payment Information: Credit or debit card details to complete the transaction.
How Can I Claim For Travel Insurance with Tick?
Go to the Tick Travel Insurance website and the “Claims” section, where you can either submit your claim online or download a claim form.
- Complete the claim form with details about the incident and any related expenses.
- Upload the supporting documentation (receipts, medical, and police reports, as applicable to your claim).
- Submit the completed form and supporting documents online using the claims portal or by mailing them to Tick’s claims department as directed on the website.
If you need assistance or have any questions, contact the Tick Travel Insurance claims team using the contact details on the claim form or available from the website.
Supporting Documentation and Evidence Required with Claims
- Proof of Purchase: Receipts or invoices for items or services claimed.
- Medical Records: Medical reports or documentation if claiming for health-related expenses.
- Police Report: Required for claims involving theft, loss, or accidents.
- Travel Itinerary: Flight tickets or booking confirmations as proof of travel dates.
- Other Relevant Receipts: Itemized receipts for meals, accommodation, or additional expenses incurred due to trip disruption.
How Long Does Tick Travel Insurance Take to Process My Claim?
Tick Travel Insurance processes claims within a standard time frame of 10 to 15 business days once they’ve received the complete documentation. Follow-ups might be necessary if additional information is required, and policyholders should respond to these quickly to avoid delays.
Can I add more than one person to my Tick Travel Insurance Policy?
Policyholders can add family members or dependents to their travel insurance when purchasing or later. However, requirements based on age and travel arrangements must be considered.
Dependents under 18 are eligible for free cover when they travel with a parent or guardian. Anyone over 18 must pay the full adult premium. Parents or grandparents can purchase policies for children under 16 if an adult supervises the children during the trip.
- Eligibility: Children under 18 traveling with parents/guardians are covered at no additional cost.
- Dependents Over 18: Must pay the adult premium rate.
- Cover Consistency: All added family members receive the same cover level as the primary insured.
- Requirements: Children under 16 must be accompanied by an adult during travel.
Tick Travel Insurance Upgrades and Downgrades
Tick Travel Insurance policyholders can boost their cover with upgrades. Upgrades include the Excess Eliminator, which removes the standard $200 excess on claims, Winter Sports Cover for travelers, and Natural Disaster Cover for added protection against events like natural disasters.
These upgrades can be selected for travel insurance but for an additional premium. While upgrades increase protection levels, downgrades let you switch to lower-tier cover levels if fewer features are needed.
If you downgrade, limitations apply according to the cover level and when you downgrade or remove any upgrades.
| 🔎 Upgrade Option | 📌 Description | 📍 Additional Premium |
| 📊 Excess Eliminator | Removes the standard $200 excess per claim, covering out-of-pocket costs for most claims. | ✅Yes |
| ❄️ Winter Sports Cover | Provides cover for winter sports-related activities, including equipment protection and piste closure. | ✅Yes |
| 🙈 Natural Disaster Cover | Covers trip cancellations and additional expenses due to natural disasters. | ✅Yes |
Downgrade Option: Policyholders can request a downgrade to a lower cover level should they find the additional features unnecessary.
The downgrade option is flexible but can be restricted according to when the downgrade is done and policy terms. Downgrades should be requested before the trip start date to avoid restrictions.
Tick Digital Tools and Apps
Tick Travel Insurance doesn’t have a dedicated mobile app but the website contains a few functionalities to help policyholders manage their insurance digitally.
Using the Tick online portal, policyholders can get quotes, purchase policies, submit claims, and track the status of their claims without needing to contact customer support directly.
Travelers can also get important policy documents and receive travel alerts using Tick’s online platform, making it easier to remain informed and manage insurance details.
| 🔎 Digital Tool | 📌 Functionality |
| 🖱️ Online Quote and Purchase | Provides instant quotes and allows policy purchase directly through the Tick website |
| 📊 Policy Management Portal | Enables users to view, manage, and update their policies, including accessing documents and cover details |
| 💻 Claims Submission | Allows claim submissions directly through the website, eliminating the need for physical paperwork |
| 📈 Claims Tracking | Provides real-time tracking of claim status, giving users updates on the progress of their claims |
| ✈️ Travel Alerts | Offers relevant travel alerts to inform users of potential risks or advisories affecting their destinations |
Tick Travel Insurance Additional Services and Benefits
Tick Travel Insurance supports travelers by offering additional services and benefits. These add-ons boost cover and address scenarios beyond the standard trip cover, such as rental car use or pet care. Each service has conditions and limitations that policyholders should familiarize themselves with.
Pet Care
Covers additional boarding costs if a traveler’s return flight is delayed by more than 24 hours and their pet is in a kennel or cattery. Cover is capped at policy-specified limits, applicable only if the delay affects the final leg of the return journey to Australia.
Rental Vehicle Excess Cover
Covers up to $4,000 in excess fees for damages or theft of a rental car, provided it is rented for less than 35 days. Policyholders must adhere to terms such as not driving off public highways and ensuring the rental vehicle has fewer than nine seats.
How to Switch to Tick Travel Insurance
Because Tick Travel Insurance doesn’t facilitate the switching process on your behalf, you must follow these steps to cancel your current insurance and sign up with Tick:
- Contact your current insurer to cancel your travel insurance policy. Ensure you’re aware of their cancellation policy regarding cooling-off periods that apply for refunds.
- Go to the Tick Travel Insurance website to apply for a new policy.
- Use the “Get a Quote” feature to indicate your destination, travel dates, and the number plus age of travelers. Based on this preliminary info, you’ll get an idea of your premiums and benefits.
- Choose from the plans (Basic, Budget, Standard, or Top) and consider optional add-ons you might require.
- Complete the application and ensure all details are accurate before submission.
Pay your premium according to your plan and any additional features you added. Once processed, Tick will confirm your coverage and email your policy documents.
Exclusions and Limitations of Tick Travel Insurance
Tick Travel Insurance has exclusions that impact coverage. Policyholders must understand these exclusions to manage their expectations regarding claims and coverage.
| 🔎 Exclusion | 📌 Details |
| 🅰️ Pre-existing Conditions | Medical conditions not disclosed at the time of application or not listed |
| 🅱️ Hazardous Activities | High-risk activities such as skydiving, bungee jumping, rock climbing, and motor racing |
| 📉 Government Travel Warnings | Claims related to travel to destinations where the Australian government has issued travel warnings |
| 📈 Illegal Activities | Incidents arising from engaging in illegal activities or while under the influence of drugs or alcohol |
| 📊 Mental Health Conditions | Claims related to mental health issues or conditions diagnosed before travel |
| 📌 Self-inflicted Injuries | Injuries resulting from self-harm or suicide attempts |
| 📍 Pregnancy and Childbirth | Expenses related to pregnancy, childbirth, or related complications if they occur within the 12 weeks before the expected delivery date |
| 🚩 Traveling Against Medical Advice | Claims related to travel undertaken against the advice of a medical practitioner |
| 🅰️ War and Terrorism | Claims arising from acts of war, terrorism, or civil commotion |
| 🅱️ Natural Disasters | Incidents related to natural disasters, if traveling to areas known to be affected by such events |
| 📉 Disputes | Any claims arising from contractual disputes or legal proceedings |
| 📈 Non-Disclosure | Failure to disclose relevant personal information |
Policy Limits on Claims
The maximum limits for claims under Tick Travel Insurance depend on the plan level. Below is a comprehensive comparison of the claim limits across the Basic, Budget, Standard, and Top plans.
| 🔎 Claim Type | 🥇 Basic | 🥈 Budget | 🥉 Standard | 🏅 Top |
| 📉 Overseas Medical Expenses | Unlimited | Unlimited | Unlimited | Unlimited |
| 📈 Trip Cancellation | Not Covered | Up to $5,000 | Up to $5,000 | Up to $20,000 |
| 📊 Trip Interruption | Not Covered | Not Covered | Up to $5,000 | Up to $10,000 |
| 💹 Baggage and Personal Belongings | $2,000 | $2,500 | $4,000 | $7,500 |
| 📉 Delayed Baggage | Not Covered | Not Covered | Up to $300 | Up to $400 |
| 📈 Personal Liability | $1,000,000 | $1,000,000 | $1,500,000 | $3,000,000 |
| 📊 Rental Vehicle Excess | Not Covered | Not Covered | $2,000 | $4,000 |
| 💹 Natural Disaster Cover | Not Covered | Not Covered | Not Covered | Included |
Waiting Periods and Claim Conditions
Tick Travel Insurance policies include standard waiting periods and claim conditions that affect cover eligibility:
- Waiting Period for Pre-existing Conditions: Claims related to pre-existing medical conditions are subject to a 12-month waiting period, which is standard on health and travel insurance policies.
- Claims Submission Deadline: Claims must be submitted within 30 days after an incident occurs to be considered valid.
- Medical Treatment Requirement: Policyholders must get medical treatment immediately after an incident because delays can influence claim approval.
- Proof of Loss Requirement: Policyholders must provide sufficient evidence, like police reports or receipts, for claims involving loss or theft.
- Trip Delay Requirement: Travellers must provide proof of the delay from the airline or travel provider for travel delay claims.
How Do I Contact Tick Travel Insurance Customer Support?
Tick Travel Insurance has flexible and dedicated customer support options to help policyholders with inquiries about their policies, claims, and emergencies.
Below is a summary of the available contact methods, including their purposes and availability.
| 🔎 Contact Method | 📍 Details | ⏰ Hours of Availability | 🔖 Average Response Time | ❤️ Purpose |
| ☎️ Phone Support | 1300 306 049 | Monday to Friday, 8 AM - 8 PM AEDT | 1-2 business days | General inquiries and claims support |
| 💌 Email Support | [email protected] | 24/7 | 2-3 business days | General inquiries and support |
| 🖱️ Claims Email | [email protected] | 24/7 | 2-5 business days | Claims submissions and inquiries |
| 📌 Postal Address | PO Box 155, Collins Street West, Melbourne VIC 8007 | N/A | N/A | Written correspondence and claims |
Customer Reviews and Satisfaction
🥇 Positive Experience with Domestic Travel
I used Tick Travel Insurance for my domestic trip. The policy was affordable and comprehensive. After my flight was delayed, I easily claimed additional charges. The claims procedure was quick, and I got reimbursed.
🥈 Peace of Mind for Regular Travelers
Travel insurance gives me peace of mind as a regular traveler. Tick’s full medical cover was essential throughout my vacation. My insurance covered medical care overseas without a problem. Throughout, customer service was attentive and helpful.
🥉 Disappointing Experience with Claim Process
I was disappointed by Tick Travel Insurance. My vacation was canceled due to unforeseen circumstances; thus, I claimed the non-refundable fees. I received many requests for further paperwork during the protracted process. My claim was dismissed, leaving me angry and out of cash.
How Do I Submit Feedback or Complaints?
Submitting feedback or filing complaints with Tick Travel Insurance involves the following steps:
- Outline the issue or feedback, your policy number, and a description of the concern or feedback.
- Send your feedback using the online contact form or complaints to [email protected].
- Include your contact information and supporting documentation to assist in the resolution process.
- Tick will acknowledge receipt of your complaint within five business days. The response timeline for resolution depends on the complexity of the issue.
If you don’t receive a response within 5 days, follow up using the same email addresses or call customer support at 1300 306 049.
Tick Travel Insurance Awards and Recognition
Tick Travel Insurance has received awards and recognitions that reflect its customer satisfaction, affordability, and comprehensive cover options. The following table shows the most recent awards:
| 🔎 Award Name | 🏆 Awarding Organization | 📌 Year Received | 📍 Category/Criteria |
| 1️⃣ Best Travel Insurance – Comprehensive | Finder Travel Insurance Awards | 2024 | Comprehensive cover for travelers |
| 2️⃣ Best Travel Insurance – Domestic | Finder Travel Insurance Awards | 2024 | Best options for domestic travel insurance |
| 3️⃣ Highly Commended - Best Travel Insurance – Value | Finder Travel Insurance Awards | 2024 | Recognized for affordability |
| 4️⃣ Top Value – Travel Insurance | Finder Customer Satisfaction Award | 2024 | Outstanding value as perceived by customers |
| 5️⃣ Highly Commended - Loved Brand | Finder Customer Satisfaction Award | 2024 | Brand loyalty and customer appreciation |
| 6️⃣ Highly Commended - Quality Service | Finder Customer Satisfaction Award | 2024 | Exceptional service delivery |
| 7️⃣ Best for Value – International Travel Insurance | WeMoney Awards | 2024 | Value in international travel cover |
Who Should Consider Tick Travel Insurance?
- Families traveling with children can benefit from free cover for children under 18 when accompanied by a parent or guardian.
- Adventure Travellers participating in adventure activities like skiing, snowboarding, or hiking can use the optional winter sports cover and high-risk activity options.
- Budget-conscious travelers who want affordable options can opt for Basic or Budget plans that provide essential cover, including unlimited overseas medical expenses, at competitive prices.
- Long-term travelers who plan extended trips can benefit from comprehensive medical cover and other protections tailored for longer journeys.
Tick Travel Insurance vs Nib Travel Insurance vs Budget Direct Travel Insurance – A Comparison
| 🔎 Provider | 🥇 Tick Travel Insurance | 🥈 Nib Travel Insurance | 🥉 Budget Direct Travel Insurance |
| 📉 Plan Name | Single Trip, Domestic, International | Essentials, Comprehensive, Annual Multi-Trip | Comprehensive, Essential, Basic, Domestic |
| 📈 Premium Range (Trip-Based or Annual) | From $72.49 per month for domestic, $62.51 per month for international | From $67/month for Essentials, $135/month for Comprehensive | Single-trip from $125.68/month; Multi-trip from $449.81/month for Essential |
| 📊 Cover Limits | Unlimited medical expenses, up to $20,000 for cancellation, $3 million for personal liability | Unlimited medical expenses, up to AUD 12,000 for personal effects, AUD 5,000 for rental excess | International Comprehensive up to $30,000 for certain benefits; Domestic up to $25,000 |
| 💹 Key Cover Areas | Medical expenses, trip cancellation/interruption, baggage loss, personal liability, emergency evacuation | Medical, cancellations, travel delays, personal liability, rental vehicle excess | Medical, luggage/personal effects, cancellation/amendment, travel delay, rental vehicle excess |
| ❌ Exclusions | Pre-existing conditions travel against medical advice, high-risk destinations, unlawful acts, the influence of alcohol or drugs | Pre-existing conditions without approval, elective treatments, high-risk activities without cover | Unlawful acts, high-risk sports, pre-existing conditions not disclosed, travel against advice |
| 🤕 COVID-19 Cover | Medical expenses, trip cancellation, and quarantine costs related to COVID-19 under Standard and Top policies | Medical expenses and some trip changes for COVID-19 | COVID-19 medical expenses, isolation costs up to $2,500, optional trip cancellation add-on |
| ❤️ Ideal For | Domestic and international travelers, family plans, adventure add-ons | Budget-conscious travelers needing essential, flexible cover | Domestic and international travelers, family plans, adventure add-ons |
| ⚽ Adventure Sports Cover | 90+ sports and activities, winter sports cover available as an upgrade | Optional add-on available | Optional add-ons for motorcycle, moped, and snow sports cover |
| 📌 Emergency Assistance | 24/7 emergency assistance | 24/7 emergency support | 24/7 assistance with access to global medical providers |
| 📲 Digital Access and Mobile App | No app for travel insurance; an online portal for policy management, claims, etc. | Online access, no dedicated app | Online claims portal, no exclusive mobile app |
| 🫶 Special Features | Affordable plans, child dependents <18 travel for free, flexible plan options | Covers dependent children automatically, flexible cancellation cover | Budget Direct Rewards, 15% discount online, $100 hotel gift voucher |
| ⏰ Average Claim Settlement Time | 10-15 working days | Generally, within 10 business days | 10 working days |
Pros and Cons
| ✅ Pros | ❌ Cons |
| Free cover for children <18 traveling with parents | Does not offer multi-trip insurance options |
| COVID-19 cover in Standard and Top plans | No cover for high-risk activities without specific upgrades |
| Rental vehicle excess cover up to $4,000 | Unattended belongings not covered |
| Four cover levels: Basic, Budget, Standard, Top | Limited discounts, mainly occasional promotions |
| Online portal for managing policies and claims | Does not offer a native app for managing policies remotely |
| Covers over 90 sports and activities | Claims require extensive documentation |
In Conclusion
Tick Travel Insurance provides affordable single-trip coverage for Australian travelers, both domestically and internationally. Known for competitive pricing, it offers comprehensive protection, including unlimited medical expenses, rental vehicle excess cover, and free coverage for children traveling with parents.
Underwritten by Mitsui Sumitomo Insurance and administered by Europ Assistance, Tick also covers sports and activities. However, pre-existing medical conditions are excluded unless declared, and high-risk sports require costly upgrades. Claims can be cumbersome due to extensive documentation, and Tick doesn’t offer an app or multi-trip options.
Despite these limitations, Tick is a good choice for healthy travelers seeking affordable coverage without extreme activities.
You might also like:
- Southern Cross Travel Insurance
- Travel Direct Travel Insurance
- World Nomads Travel Insurance
- World2Cover Travel Insurance
Frequently Asked Questions
Does Tick Travel Insurance cover travel to the United Kingdom, Germany, and France?
Yes, Tick Travel Insurance covers visits to the UK, Germany, France, and several other global destinations except North and South America, and Antarctica.
Does Tick Travel Insurance cover travel delays?
Yes, but only on Standard and Top plans, up to $50 per 12 hours and a maximum of $500 overall.
Can Tick Travel Insurance be acquired for a last-minute trip?
Yes, Tick Travel Insurance lets you purchase insurance for last-minute trips.
Does Tick Travel Insurance cover travelers in their 60s?
Yes, Tick Travel Insurance covers travelers in their 60s on all plans. The age restriction is 100 on the Standard and Top Plans, 79 on Budget, and 69 on Basic.
