When comparing Tick Travel Insurance’s pricing against cover levels in key areas, such as emergency medical expenses and trip cancellation, it is safe to argue that it’s a highly competitive player in the market. Travellers will likely appreciate the unlimited medical and $20,000 of cancellation cover available. Plus, the 24-hour medical emergency assistance line may offer added peace of mind.
However, some travellers may feel that Tick Travel Insurance’s Top Policy falls a little short on nice-to-have coverage, including lost luggage and rental car excess limits. Let’s take a closer look at Tick’s top policy offering.
Pros
- Competitive pricing
- High levels of medical and cancellation cover
- High customer service rating
Cons
- Credit card fraud not covered
- Higher levels of luggage cover elsewhere
- Missed connections not covered
Table of Contents
Featured Partners
1
Fast Cover Travel Insurance
Medical cover
Unlimited, 24/7 Emergency Assistance
Cancellations
Unlimited, (Trip Disruption $50,000)
Key Features
25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating
2
Cover-More Travel Insurance
Medical cover
Unlimited, with a $2000 limit to dental
Cancellations
Yes, amount chosen by customer
3
Southern Cross Travel Insurance
Medical Cover
Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs
Cancellations
$2,500 with option to increase to unlimited
About Tick Travel Insurance
Tick Travel Insurance is owned by Europ Assistance which is a part of the global Generali Group, and underwritten by Mitsui Sumitomo Insurance Company Limited.
Generali is a large global insurance and asset management provider, while Europ Assistance says it has a presence in over 200 countries, providing comfort and empathy to customers in emergency situations, and an immediate global response.
Tick Travel Insurance’s aim is to make travel insurance simple, covering travellers up to age 100. It offers three levels of domestic travel insurance: Basic, Standard and Top and four types of international travel insurance: Basic, Budget, Standard and Top.
This review will focus on the most comprehensive offering for international travel, being the Tick Travel Insurance Top plan.
What Does Tick Travel Insurance Cover?
Tick Travel Insurance provides domestic and international cover, offering policies for single trips and annual cover for multiple trips in a year. The provider covers adults up to the age of 100, while dependent children, up to 18-years-old at time of purchase, are insured for free on an adult’s policy.
As is typical of travel insurance, its policies cover trip cancellation or curtailment and journey resumption, due to unforeseen circumstances such as injury or illness, as standard. Cover for travel delay is available on the top policies, with a pay out of $100 per completed hour up to $1,000. Valid reasons for claiming include bad weather, a vehicle breakdown or strike, and experiencing a delay of more than 12 hours.
Tick Travel Insurance’s Top plan also includes the following standard benefits that form a part of most comprehensive travel insurance policies:
Lost Luggage
This insurer covers the cost of repairing or replacing your lost, stolen or damaged personal belongings up to $7,500. Take note of the $3,000 sublimit— individual limit— on how much you can claim for devices such as laptops, tablets, phones, video cameras and cameras.
Medical
Tick Travel Insurance offers unlimited medical cover, which includes cover for ambulance and emergency surgery, repatriation if necessary, and the death of you, or another person insured on the policy.
While the insurer can cover pre-existing conditions (medical conditions you had before taking out the policy), whether you will be eligible for this cover will depend on the details you provide, outlining the condition and its severity, in the medical screening section of the application.
Is Dental Cover Included?
This insurer also extends its cover to dental treatment, paying out up to $500. This is half of what many providers offer, and bear in mind that you can only claim for dental cover for situations where you need immediate pain relief.
Does Tick Travel Insurance Cover Me For Covid?
Yes, protection against risks in relation to Covid-19 are covered by Tick Travel Insurance’s Top policy. The insurer accepts related cancellation and disruption claims, as well as medical claims for trips outside of Australia.
What About Pregnancy?
You can claim for an extensive range of pregnancy or childbirth complications up to 31 weeks into your pregnancy with this insurer. These include toxaemia, gestational diabetes and pre-eclampsia.
What About Sports And Activities?
From abseiling, to jet skiing and motorcycling, insurance for 90 sports and activities is included automatically with Tick Travel Insurance.
Remember to look out for conditions for claiming. For instance, you will only be covered for three bungee jumps and can only kayak in grades 1 and 2 rapids or lower. Also, some activities may require safety gear that you will need to wear to make a valid claim.
Cover for personal liability and accidental injury only apply to certain activities, as specified in the PDS.
Pricing Comparison
Compared to the competition, Tick Travel Insurance offers relatively decent to high levels of cover across the board for a super competitive price.
When comparing the price of its most comprehensive policy against those of Travel Insurance Direct and Allianz—two providers we rated highly for their comprehensive offering—it comes out on top.
The data below is based on a 28-year-old who needs insurance for Indonesia for seven days.
The above table shows how important it is to shop around for travel insurance, and weigh up your needs with your budget when comparing policies. Tick’s Travel Insurance’s Top policy is only $77, offers considerably more cancellation cover than its competitors for this price, and levies less in excess—the set portion of each claim you must pay.
However, it may not be suitable for those who need higher levels of cover in other areas such as lost luggage and rental car excess. You can find out exactly what a policy includes and excludes in its PDS, which is usually published on the insurer’s website.
You can also find out more about the comprehensive travel insurance providers Forbes Advisor Australia has independently rated the best.
Customer Service
Customers award Tick Travel Insurance a high score of 4 out of 5 stars across 2832 reviews on ProductReview, Australia’s leading consumer opinion site.
Satisfied customers were pleased with how simple they found the process of taking out insurance, and the price of their policy.
However, disgruntled customer complaints were varied. Some speak of technical difficulties with the provider taking payment and not offering a refund instead, trouble accessing their policy documents and rejected claims.
To speak to someone on Tick Travel Insurance’s customer service team, you can fill in the online query form or email: info@tickinsurance.com.au.
For 24-hour emergency assistance, you can call: +612 9333 3963, and for emergencies and claims, email: assistance@tickinsurance.com.au.
You can also send written correspondence to:
Customer Services
Tick Insurance Australia
Suite 1.04, Level 1, 19 Harris Street
Pyrmont, 2009 Sydney NSW
Additionally, you can send a complaint via post, or email: complaints@tickinsurance.com.au.
The Bottom Line
Tick Travel Insurance may be considered most suitable for those looking for reasonable to high levels of cover in key areas, for a competitive price. This includes unlimited medical cover and $20,000 for trip cancellation. In other areas cover levels are decent, but may not be suitable for all. Those taking away belongings worth over $7,500 or needing more than $4,000 in rental car excess may want to look elsewhere.
Featured Partners
1
Fast Cover Travel Insurance
Medical cover
Unlimited, 24/7 Emergency Assistance
Cancellations
Unlimited, (Trip Disruption $50,000)
Key Features
25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating
2
Cover-More Travel Insurance
Medical cover
Unlimited, with a $2000 limit to dental
Cancellations
Yes, amount chosen by customer
3
Southern Cross Travel Insurance
Medical Cover
Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs
Cancellations
$2,500 with option to increase to unlimited
Frequently Asked Questions (FAQs)
Where can I find the Tick Travel Insurance PDS?
A policy’s product disclosure statement (PDS) details what it covers, any exclusions and limitations or sublimits. It’s crucial that travellers read through this document before deciding whether to purchase the policy.
Typically, an insurer will provide a link to a policy’s PDS on its website. The PDS for Tick Travel Insurance’s policies, including its comprehensive cover, are also online.
What is Tick Travel Insurance’s phone number?
Existing customers and those with service queries can fill in Tick Travel Insurance’s online query form should they need assistance, or contact at info@tickinsurance.com.au.
For 24-hour emergency assistance customers can call: +612 9333 3963.
How good is Tick travel insurance?
We have awarded Tick Travel Insurance 3.7 out of 5 stars based on factors such as the unlimited amount of medical cover, and high level of cancellation cover, it provides. It also scores highly on customer review site productreview.com.au.
However, customers should note it does not cover you, if you fall victim to credit card fraud while away. Neither are you able to choose the amount of cancellation cover you need as with some other insurers. This may not be of concern, considering $20,000 for cancellation is automatically provided, which is a considerable amount, and Tick Travel Insurance policies are competitively priced.
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
