What is included in a Tick Travel Insurance international travel insurance policy?
At the time of writing, Tick Travel Insurance only offers a single-trip international policy. As opposed to an international multi-trip insurance policy, the cover you’ll receive will only be valid for the nominated destinations and time frame.
Here’s what you can expect from Tick Travel Insurance’s Basic policy tier:
If you opt for the Budget tier of coverage, you can expect increased sub-limits on some sections of the policy, such as personal belongings and baggage, and added cover for your electronics (like laptops and cameras). You could also be covered for:
If you opt for the Standard tier of coverage, you can expect some further sub-limit increases, as well as benefits like:
Hospital cash allowance
Cutting your trip short
Travel and baggage delay expenses
Cover for laptops, tablets, mobile phones, and cameras
Passport and travel documents
Accidental death and permanent disability
Rental car excess waiver
Loss of income
COVID-19 related cancellation of trip, medical expenses, repatriation, and funeral or burial expenses outside Australia
Finally, their Top tier of coverage may also include increased sub-limits and could cover you for:
But remember: check Mozo’s data fields or the Tick Travel Insurance product disclosure statement (PDS) for details on pay-out limits and general exclusions for specific parts of their travel insurance policy across the Bare Essentials, Silver, and Gold cover levels.
Does Tick Travel Insurance travel insurance have COVID-19 cover?
Like almost all travel insurance providers at the moment, they will not provide cover for COVID-19 related claims if you are travelling to a destination that has a Smartraveller ‘Do Not Travel’ warning in place. With Tick Travel Insurance, there is no coverage if there are government directed border closures, mandatory quarantines, or self-isolation requirements.
Also, keep in mind that in the cases where COVID-19 is covered by Tick Travel Insurance, it does not apply to those who have taken out the Basic or Budget policies, only those with Standard or Top tier policies are eligible.
Cancellations or amendments
Tick Travel Insurance provides cover for cancellations and amendments of your trip, if:
Tick Travel Insurance could cover your expenses (up to the relevant limits) for:
Pre-paid meal expenses
Pre-paid excursions tours, and activities
Additional necessary travel and accommodation expenses incurred while returning to Australia
Overseas medical expenses
Tick Travel Insurance could cover overseas medical costs like:
Other COVID-19 related benefits
Tick Travel Insurance also provide the following COVID-19 related benefits:
What other optional extras can I add to my Tick Travel Insurance policy?
There are a few optional extras you can add to your Tick Travel Insurance travel insurance policy if you need to tailor your package to the kind of holiday or tip you’re going on. These include winter sports cover, natural disaster cover, business cover, and golf cover.
These add-ons will come at an extra premium, but without them you may not be covered for anything that happens related to these sorts of activities. Always be sure to check out the PDS to find details regarding limits on cover amounts and general exclusions.
Winter sports cover
Snow insurance cover is vital if you’re hitting the ski fields. Tick Travel Insurance’s coverage includes recreational skiing and snowboarding, cat skiing, cross-country skiing, heli-skiing, ice skating, and off-piste skiing with professional instructors, among other modes of snow sport. If you add on winter sports cover, you can expect coverage for:
Lost, stolen, or damaged winter sports equipment
Replacement winter sports hire equipment if you own equipment is delayed, lost, damaged or stolen
Loss or theft of list passes during your trip
Unused ski lessons, lift passes, or winter sports equipment due to illness or injury
If you’re going on a business trip, chances are you’ll be bringing a laptop, as well as important documents. Tick Travel Insurance’s business cover option can help you get back to business in the event that something goes wrong. Business cover includes:
Lost stolen, or damaged business equipment, like phones, electrical devices, computers, photographic equipment, tablets, and clothing
Emergency courier expenses if you need to replace your business equipment in a hurry
The cost of hiring replacement business equipment
Loss or theft of business money (like cash or traveller’s cheques)
The cost of replacing staff due to accidental illness or injury, including reasonable travel and accommodation costs
Natural disaster cover
Natural disasters, like cyclones, volcanic eruptions, tsunamis, and avalanches happen all the time across the globe. Adding this sort of protection, if you feel where you’re going warrants it, could give you peace of mind on your journey. You’re automatically covered for medical expenses related to natural disasters, but not things like cancellations.
This add-on is available on all policy tiers, but on the Basic policy, it only covers additional emergency expenses. On the Budget policy, it covers additional expenses and cancelling your trip before you leave. On the Standard and Top tiers, it will also cover cutting your trip short.
Are pre-existing medical conditions covered under Tick Travel Insurance’s travel insurance?
Tick Travel Insurance defines a pre-existing medical condition as any diagnosed medical condition which, in the last 5 years, you (or any person on your certificate of insurance) has suffered from or received medical treatment, advice, or medication for.
Tick Travel Insurance does not automatically cover any medical conditions in their international travel insurance policy. However, you can gain cover for pre-existing medical conditions by calling Tick Travel Insurance and discussing your situation with them. They will let you know if they can cover you for your medical condition and related claims that could result from it.
What exclusions are there to look out for in a Tick Travel Insurance travel insurance policy?
If you’re looking for cruise travel insurance, unfortunately you won’t find it with Tick Travel Insurance. So, any claims relating to your cruise holiday will not be covered.
Unless you have already had your pre-existing medical condition approved for coverage with Tick Travel Insurance, they will not cover you for claims related to a pre-existing medical condition. This includes trip cancellations prior to departure due to your medical condition, and medical expenses incurred.
If the country you are travelling to, or choose to remain in, has a ‘Do Not Travel’ warning issued by the Australian government’s Smartraveller website, then you will not be covered under Tick Travel Insurance’s policies.
A brief list of general exclusions also includes, but isn’t limited to, claims relating to:
Incidents prior to you leaving home on your trip
Deliberately putting yourself, or if any covered person puts themself, in danger
The consumption of alcohol or drugs (unless prescribed by a medical professional)
War, civil war, protests, industrial action, revolution, and overthrown governments, among others
Biological or chemical warfare
The use of a motor vehicle by an unlicensed driver, or not following local safety laws
Any involvement in illegal acts
Always make sure to check the PDS for details relating to general exclusions.
What do I do if there’s an emergency during my trip?
If there’s an emergency during your overseas trip, call Tick Travel Insurance on their emergency assistance line. The number is +61 2 9333 3963, and is available 24/7 if you need it. Tick Travel Insurance’s team will be able to help you out with things like finding medical facilities and medical evacuation, among other things.
How do I make a claim with Tick Travel Insurance travel insurance?
You must register a claim with Tick Travel Insurance within 30 days of returning home. You will need to have all the relevant documentation to support your claim, such as receipts for valuables, or invoices from hospitals and doctors if you incurred medical costs. Tick Travel Insurance asks that you provide these documents in English, or get them officially translated into English.
To get access to claims forms, or if you have any enquiries about making a claim, contact Tick Travel Insurance on 02 9333 3965, email them at firstname.lastname@example.org, or head to Tick Travel Insurance’s online claims portal.