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If you’re planning an overseas holiday and you need some extra peace of mind, finding a travel insurance policy that suits your needs should be first on your itinerary. If you’re thinking Tick Travel Insurance might be the one for you, then keep reading because we’ve outlined some of the frequently asked questions, important details and potential exclusions on their currently available policies.

About Tick Travel Insurance

Tick Travel Insurance has recently been acquired by Europ Assistance, a travel insurance provider part of the Generali group. Tick is underwritten by the Mitsui Sumitomo Insurance company Limited.

Rates and fees verified as correct at 19 May 2022. Other information correct at the time of writing.

Tick Travel Insurance plans

Currently, Tick Travel Insurance offers domestic travel insurance and single-trip international travel insurance, including limited cover for some COVID-19 related claims. They currently offer four levels of international cover, these being the Basic, Budget, Standard, and Top policy plans. With each tier of cover, your premium increases, but what you’re covered for and the amount you are insured for will rise too. 

Check out the data table below to see an overview of the kinds of plans Tick Travel Insurance offers.

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Budget

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $5,000

    • $2,500

    • $5,000

    • $5,000

    • $1,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Basic

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $2,000

    • $5,000

    • $5,000

    • $1,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Standard

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $5,000

    • $4,000

    • $5,000

    • $10,000

    • $1,500

    • $10,000

    • $10,000

    • $5,200

    • $2,000

    • $2,000

    • $2,000

    • $1,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
    • Top

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $20,000

    • $7,500

    • $20,000

    • $20,000

    • $3,000

    • $3,000

    • $25,000

    • $25,000

    • $10,400

    • $4,000

    • $4,000

    • $4,000

    • $3,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


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:

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:

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:

Business cover

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:

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:

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 assistance@tickinsurance.com.au, or head to Tick Travel Insurance’s online claims portal.

Tick Travel Insurance customer reviews

Tick Travel Insurance travel insurance
1.4

Overall 1.4

1.7

Value for money

2.6

Policy coverage

1.7

Customer service

1.4

Claims handling

1.3

Trust

10 Reviews

Recent Tick Travel Insurance travel insurance customer reviews Recent Tick Travel Insurance travel insurance customer reviews

Tick Travel Insurance logo

Tick Travel Insurance Travel Insurance review

Overall rating   1 / 10

Legitimate claim

Tried to deny payment of legitimate claim which was covered by their PDS. Took 9 months and application to AFCA for them to finally settle.

Full review

Tried to deny payment of legitimate claim which was covered by their PDS. Took 9 months and application to AFCA for them to finally settle.

    Value for money   1 / 10

    Policy coverage   5 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Stephanie, New South Wales, reviewed 9 months ago

Tick Travel Insurance logo

Tick Travel Insurance Travel Insurance review

Overall rating   1 / 10

Scammers/thieves.

I bought cover with the option to cancel three months before COVID hit. I rang to tell them my wedding holiday was cancelled and they told me the cancellation period was 14 days after purchase. They have since told me I qualify for a refund...

Full review

I bought cover with the option to cancel three months before COVID hit. I rang to tell them my wedding holiday was cancelled and they told me the cancellation period was 14 days after purchase. They have since told me I qualify for a refund less than 43% of the purchase price because my policy did come into effect for those 14 days. If I had have gone with the policy that didn't allow cancellation they would have offered me a full refund. Avoid at all cost.

    Value for money   1 / 10

    Policy coverage   1 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Jesse, New South Wales, reviewed about 1 year ago

Tick Travel Insurance logo

Tick Travel Insurance Travel Insurance review

Overall rating   9 / 10

Easy to deal with.

Tick insurance have great rates even on the snow add on. Very easy to claim if needed, all sorted in a timely fashion. I would use them again and again.

Full review

Tick insurance have great rates even on the snow add on. Very easy to claim if needed, all sorted in a timely fashion. I would use them again and again.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   8 / 10

    Trust   9 / 10

Less

Judith, New South Wales, reviewed about 1 year ago

Tick Travel Insurance logo

Tick Travel Insurance Travel Insurance review

Overall rating   1 / 10

YOU HAVE BEEN WARNED!

We are elderly and had saved for this trip for some time. Booked and paid with Virgin, and trick Insurance last to November. Despite emailing every possible piece of information that we had been given, including bank statements, it was never...

Full review

We are elderly and had saved for this trip for some time. Booked and paid with Virgin, and trick Insurance last to November. Despite emailing every possible piece of information that we had been given, including bank statements, it was never enough. So, in frustration I asked for my money ($840) back for no service. Hell no, they are keeping it come what may, and pretend that "sorry, we just can't give it back", as though their hands are tied despite desperately wanting to do the right thing. In my honest opinion a Parisian sewer rat would have more morals than this crowd.

    Value for money   1 / 10

    Policy coverage   1 / 10

    Customer service   2 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Greg., Queensland, reviewed 11 months ago

Tick Travel Insurance logo

Tick Travel Insurance Travel Insurance review

Overall rating   1 / 10

Do Not Insure With Tick Travel Insurance!

I am in a situation of been ripped off due to "Tick insurance". I have logged a claim for a family trip to Vanuatu for a friend's wedding that was cancelled with insurance taken out in 2019 pre COVID-19 for a trip in April 2020. Got the...

Full review

I am in a situation of been ripped off due to "Tick insurance". I have logged a claim for a family trip to Vanuatu for a friend's wedding that was cancelled with insurance taken out in 2019 pre COVID-19 for a trip in April 2020. Got the wonderful news months after the claim after extremely poor communication (lack of a phone number to talk to someone, no responses to questions regarding cancellation and long timeframes) that our claim was rejected as credit was offered by the travel company. A credit is all well and good if you can use it! My wife is pregnant with our second child due in Sept 2020, so a trip to a country that has malaria problems with a newborn that cannot take preventative medication until 18 months. In addition our first child would need an extra seat incurring extra cost due to age requirements. This rules any use of these credits out and any suggestion we can use the credit is ridiculous. THIS WAS MENTIONED IN THE CLAIM sent to Tick! I have my suspicions that the claims have not been reviewed fairly or thoroughly due to generic statements in your reply and lack of correspondence. It is appalling that Tick is preying genuine claims and in my case an expecting family. I have lodged an internal dispute hoping that common sense will prevail on Tick's behalf. Unfortunately Tick has not responded within its two week commitment window. After a phone call to the call centre by us, there was a commitment by Tick that we would be contacted within 48 hours, which didn't happen. After a further follow-up call we still cannot speak to anyone but a call centre operator who cannot help us. I will be forced to pursue other means to recover my rightful insurance claim. Extremely disappointed in Tick to say the least! Tick do not have any social media pages, although I have tried to reach out to the parent company. Tick just need to do the right thing that so many other travel insurance companies are doing currently and pay up! Regards, Swindled Tick Customer

    Value for money   1 / 10

    Policy coverage   1 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Joshua, New South Wales, reviewed almost 2 years ago

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