Excluded destinations: TICK Travel Insurance will NOT cover any loss, injury, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Belarus, Crimea, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, Syria, Chad, East Timor, Haiti, Lebanon, Liberia, North Korea, Pakistan, Russia, Somalia, Uganda, Ukraine, Venezuela, Yemen and Zimbabwe.

Included destinations:

Pacific:

The South Pacific: Papua New Guinea, American Samoa, Cook Islands, Fiji Islands, French Polynesia (including Tahiti), Kiribati, New Caledonia, Niue, Samoa, Solomon Islands, Tonga, Tuvalu, Vanuatu, Norfolk Island, New Zealand)

Worldwide exc USA:

If your destination is "Worldwide exc USA" you are covered Worldwide excluding USA, Canada, Mexico, Central & South America and Antarctica.

Worldwide inc USA:

If your destination is "Worldwide inc USA" you are covered Worldwide including USA, Canada, Mexico, Central & South America.

Asia:

South Asia: Sri Lanka, Bangladesh, India, Nepal, Maldivas

South East Asia: Birmania, Brunei, Cambodia, Philippines, Indonesia (Including Bali and Lombok), Laos, Malaysia, Singapore, Thailand, Vietnam

East Asia: China, South Korea, Hong Kong, Japan, Taiwan

Please note:

• If you have a multiple destination itinerary, you should select the travel plan for the destination where you will spend the majority of your trip overseas except where you will spend more than 48 hours of your trip in the continents of North America, South America.
• If you will spend more than 48 hours of your trip in the continents of North America, South America, then you should select the Worldwide Including Travel Plan.

Select whether you would like to purchase an insurance policy for an "Individual(s)" (which includes a group of individuals travelling together) or a "Couple or Family" policy (which is for couples or relatives travelling together). All travellers on a "Couple or Family" policy must be departing and returning to Australia together.

Add this option and have the peace of mind that if your winter sports equipment is lost, damaged or stolen or if your enjoyment is disrupted due to Piste Closure or Avalanche you will be able to recover prepaid expenses up to the levels detailed in our Table of benefits.

Important – To have cover for any injuries incurred or caused whilst taking part in winter sports activities (e.g. skiing, snowboarding, ice skating etc) you must have purchased this option. Please see our Product Disclosure Statement for full details of the specific winter sports activities which are covered as standard under our policies.

Please note that for One trip policies this option is available on Bare Essentials, Silver and Gold levels of cover but for Annual Multi trip policies this option is only available if you have chosen the Gold level of cover.