How to Protect Your Travel Adventure with Tick Travel Insurance

Why Buy Your Policy from Tick Travel Insurance?

  

Our policies are designed for every traveller. We offer a range of coverage options designed to suit different travel needs and budgets. When you purchase a policy from Tick, you’re also getting:

• Award-Winning Customer Service: We’re here to help, with Quality Service and Customer Satisfaction awards from Finder and Feefo.
• Award-Winning Policies: Don’t take our word for it – our products have won several awards from Canstar, Finder and WeMoney.
• Trusted by Thousands of Travellers: We’ve got more than 1,500 5-star reviews on Product Review from satisfied customers.
• 24/7 Global Assistance Network: With 24/7 emergency assistance and a friendly, knowledgeable support team, you’ll always have someone to turn to no matter where you are.
• Fast, Online Claims Process: Our online claims platform lets you lodge a claim quickly and easily. You can even lodge a claim while you’re still travelling.
• Affordable Protection: Our policies are designed to provide customisable coverage to fit your budget. No hidden fees, no surprises - just straightforward, affordable travel insurance.

What are the Key Benefits of Our Policies?

 

Our policies are designed for travellers of all kinds. Depending on the level of coverage you choose, our policies can cover you for:

• Unlimited Overseas Medical Expenses: If you get sick or injured, all of our policies include unlimited coverage for emergency medical care, hospital treatment, and ambulance services. Whether you need necessary and reasonable treatment for a minor illness or more serious care requiring medical evacuation, Tick ensures your health remains a priority without worrying about massive bills.
• Trip Cancellation: If you need to cancel your holiday due to unforeseen circumstances - such as sudden illness, family emergencies, or natural disasters - Tick’s Budget, Standard and Top policies can cover your pre-paid travel and accommodation expenses. Our Budget and Standard policies can cover you for up to $5,000, and our Top policy covers you for up to $20,000 in cancellation expenses, while cover for natural disasters is available as an add-on. That way, you’re not left out of pocket for a trip you can’t take.
• Personal Belongings and Baggage: If your luggage is lost, damaged, or stolen, our policies can cover replacement costs. We can cover to the value of $2,000 to $7,500, depending on the policy you choose. If your camera goes missing while exploring, you’ll have the support you need to get back to snapping photos of paradise.
• Travel Delay Expenses: Flight delays can disrupt your plans and leave you stranded. With Tick’s Standard and Top policies, you’re covered for additional expenses, such as accommodation, meals, and essential items while you wait. We can cover to a maximum of $500 for our Standard policy and $1,000 on our Top policy.
• Rental Vehicle Excess Waiver: Planning a road trip? Renting a vehicle is a great way to explore, but accidents can happen. Our Standard and Top travel insurance plans can pay the excess costs for rental vehicles in case of damage or an accident up to $4,000, so you won’t be left with a hefty bill at the rental desk.
• Cover for Natural Disasters: If you’re travelling somewhere that’s prone to hurricanes, cyclones, floods, earthquakes and even volcanic eruptions, we’ve got you covered. Tick Travel Insurance provides coverage for trip disruptions, cancellations, or additional expenses caused by natural disasters, available when natural disaster cover is purchased as an add-on.
• COVID-19 Medical Expenses: If you’re diagnosed with COVID-19 while travelling, our Standard and Top policies include unlimited coverage for overseas medical treatment.
• Loss of Travel Documents: Losing your passport or other essential documents can ruin a holiday. Our Standard and Top policies can cover the cost of replacements up to a maximum of $4,000. We can help you get back to your travels quickly without unnecessary hassle.
• Accidental Death and Disability: While no one wants to think about the worst, it’s important to be prepared. Tick offers financial protection in the event of accidental death or permanent disability while travelling. Our Standard and Top plans can cover up to $25,000 for death or disability. We also provide vital support for you and your loved ones during an extremely difficult time.

Extra Options and Policy Upgrades 

 

• Winter Sports Cover: Our winter sports add-on covers you while you’re on the slopes. Suffer an injury skiing and need medical help? Damaged your winter sports equipment? Can’t use your lift pass due to injury? Tick is here to help you get back to shredding as soon as possible.
• Natural Disaster Cover: Some parts of the world experience hurricanes, volcanic eruptions, flooding and other natural disasters that could impact your trip. Choosing this upgrade means we can cover you if your trip is cut short due to a natural disaster.
• Additional Specified Items Cover: Planning on taking your expensive camera set-up? You can purchase additional cover for high-value items. This provides coverage up to $4,000 per item, with a combined total limit of $6,000 for all specified items.
• Remove Excess: For a small fee, you can choose to remove excesses in the event of a claim.

What’s not covered

 

• Undeclared Pre-Existing Medical Conditions: Medical conditions that are pre-existing and not disclosed during the application process are not covered. 
• High-Risk Activities: Injuries or accidents from participating in high-risk or extreme sports (e.g., mountaineering or racing) are not covered. We cannot cover other activities without the appropriate coverage add-ons. 
• Travelling Against Official Advice: Travelling to destinations that are subject to “do not travel” advice from the Australian Government. Check Smartraveller for more information.
• Unattended Luggage and Belongings: Loss, theft, or damage to luggage or personal effects that were left unattended in public places or unsecured locations is not covered.
• Alcohol and Drug Use: We can't cover claims where the traveller was under the influence of alcohol or drugs, other than those prescribed by a medical professional.    

What are the Important Things to Consider When Buying Travel Insurance?

 

1. Coverage inclusions: Ensure your policy includes coverage for overseas medical expenses, trip cancellations and interruptions and baggage and personal items. These are the most common claims scenarios, so be sure your policy offers them. Ensure you are comfortable with the policy limits for coverage.
2. Service and Support: Ensure your policy provides a 24/7 global assistance network. There’s no telling when an emergency might occur, or what time zone you’ll be in. It’s also important to purchase a policy from a trusted brand with great customer service and quality policies. Awards and reviews are a good place to start.
3. Claims Process: Look for travel insurers that allow online claims submissions and quick processing. Clear, easy-to-understand guides on what documentation and information are required for a claim are also helpful.

How to Buy Travel Insurance from Tick

 

1. Simply use our quoting tool, put in your key details including the type of policy, destination, dates of travel and traveller’s age and click “get a price”.
2. From there, you can customise your policy with the level of cover and upgrades, including:
   • Remove Excess Option
   • Winter Sports Pack
   • Natural Disaster Cover 
3. Add your contact details and let us know about any pre-existing medical conditions
4. Enter your payment details and you’ll be covered. You can pay using any major credit card or PayPal with no extra fees! 

How to Submit a Claim

 

• Provide details of the incident: Describe what has happened, including dates, times and locations.
• Upload supporting documents: You’ll need to provide relevant evidence for your claim. Common documents required include medical reports, receipts and invoices, proof of travel, Property Irregularity Report and police reports.

• File Your Claim Promptly: Submit your claim as soon as possible after the incident.
• Be Detailed and Honest: Include all relevant information to avoid delays.
• Keep Originals: Retain the original copies of your documents.

What to Do in an Emergency

 

1. Prioritise Your Safety 
   1. Medical Emergencies: Seek immediate medical assistance from the nearest hospital or clinic. If it’s a serious situation, contact local emergency services. 
   2. Safety Risks: Move to a safe location as quickly as possible. 
2. Contact Tick’s 24/7 Emergency Assistance Team
   1. Tick Travel Insurance provides round-the-clock support to help you manage emergencies while travelling. 
   2. Contact us on +612 9333 3963 from anywhere in the world. Calls are free reverse charge. Our team can: 
      1. Provide advice on what to do next 
      2. Arrange medical care or evacuation if necessary 
      3. Offer support with accommodation or alternative travel arrangements 
3. Document the Incident 
   1. Keep detailed notes about what happened, including times, locations, and any actions taken. 
   2. Take photos or videos if relevant, especially for incidents involving property damage or theft. 
   3. Gather any official reports, such as police, medical, or transport documentation. Make copies if possible and keep the originals. 
4. Inform Local Authorities (if applicable) 
   1. Report the matter to local authorities and obtain a copy of their report. This is important for theft, assault or loss of belongings. 
5. Notify Your Travel Provider 
   1. If flights, accommodation, or tours are affected, contact your airline, hotel, or tour operator to explore rescheduling or refunds. Keep all receipts and documentation.

Useful Links for Aussie Travellers

 

• Tick Travel Insurance: We’re here to help you. We have travel alerts to help you understand how specific incidents might affect coverage. We also offer 24/7 emergency assistance in the event of a claim.
• Smartraveller: is the official Australian Government website for up-to-date travel alerts, including health, safety, and security risks for specific destinations. It also provides visa and entry requirement guidelines. You can register your trip with the Department of Foreign Affairs and Trade (DFAT) for added support in emergencies.
• Department of Home Affairs: provides detailed information on visa and passport requirements for Australian citizens. It also lists the rules for re-entering Australia, including quarantine and customs regulations.
• Australian Passport Office: has advice for managing passports in emergency situations, such as loss or theft while overseas.
• World Health Organisation (WHO): provides global health updates, including disease outbreaks and vaccination recommendations. They also provide travel health advice for specific destinations.

What are the Visa Requirements when Travelling 

 

• Some countries do not require Visas for Australian passport holders
• Some countries require an eVisa or ETA (Electronic Travel Authority)
• Some countries require you to apply for a Visa through the embassy or consulate before travelling
• Some countries require a Visa on arrival. 

• Passport Validity: Most countries require a passport valid for at least 6 months beyond your stay.
• Proof of Funds: Some destinations require evidence that you can financially support yourself during your trip.
• Return or Onward Ticket: You may need to show proof of return travel or onward plans.
• Vaccination Certificates: Certain countries (e.g., Yellow Fever risk areas) may require proof of vaccination.