racq travel insurance australia

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RACQ Travel Insurance

Our verdict: racq offers a variety of travel insurance policies to suit multiple needs and budgets..

In this guide

Summary of RACQ International Premium policy

How does racq travel insurance cover covid-19, what policies does racq offer, here's a breakdown of racq travel insurance features, standard features, optional add-ons, how to make an racq travel insurance claim, here's the bottom line about racq travel insurance, frequently asked questions, request travel insurance quotes and compare policies.

Destinations

• There's no additional premium if you want motorcycle or moped cover on your comprehensive international policy.
• RACQ's premium international policy offers unlimited emergency expenses (within reason).
• While RACQ does cover expenses related to COVID-19, claims have a combined cap of $3,500 (with the exception of medical and funeral).

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Table updated September 2023

RACQ offers a broad range of protection against unexpected costs related to COVID-19, including:

• Overseas medical, hospital and emergency costs.
• Funeral expenses, up to $20,000
• Emergency expenses if you're quarantined due to close contact of a COVID-19 case or your travelling companion is diagnosed with COVID-19.
• Cancellation fees and lost deposits due to any COVID-19 related event outside of your control.
• Additional expenses if your trip is disrupted due to any COVID-19 related event outside of your control.

However, there is a combined cap of $3,500 for all expenses, with the exception of medical hospital, emergency and funeral costs.

There are also some scenarios that are not covered by RACQ, including if you ignored medical advice or knowingly put yourself in contact with someone who had COVID-19.

RACQ offers four international policies - Premium, Standard, Saver, and Annual Multi-Trip. It also offers three domestic travel insurance policies - Domestic, Domestic Cancellation and Rental Car Excess Only.

Annual Multi-Trip

Domestic Cancellation

Rental Car Excess Only

The insurer of this product is Tokio Marine & Nichido. It comes with a cooling-off period of 21 days and choice of $250 standard excess for international plans.

These are some of the main insured events that RACQ will cover. These benefits apply across all international policies.

• Overseas medical treatment
• Lost, damaged or stolen property
• Trip cancellation or amendment
• Additional accommodation and transport
• Theft of money
• Luggage and travel delay
• Kidnap and hijack
• Personal liability
• Accidental death

RACQ also offers two add-on options so you can tailor your policy if required.

• Rental vehicle excess cover. If your rental vehicle is damaged, this benefit will cover the cost of the insurance excess. Does not apply to campervans, motorbikes or scooters.
• Ski and Winter Sports Cover. Cover in case you're injured on the slopes, plus additional risks such as equipment hire, piste closure, and avalanche.
• Cruise Cover Extends your insurance policy to cover cruises, medical treatment on board, and marine evacuation.

Unfortunately, travel insurance doesn't cover everything. Generally, RACQ will not pay your claim if it relates to:

• Unlawful, wreckless or unreasonably unsafe behaviour by you.
• Behaviour while you were drunk or under the influence of drugs
• Expenses related to a pre-existing medical condition, if not listed on your policy
• An act of war, invasion or revolution
• You being unfit to travel or travelling against medical advice
• If you travel to an area despite a Department of Foreign Affairs and Trade (DFAT) has issued a 'DO NOT TRAVEL' advisory being in place
• Childbirth or pregnancy complications before the 26th week of gestation or if you have had previous pregnancy complications
• Any errors, mistakes or omissions in booking arrangements, or failure to obtain the relevant visa, passport or travel documents
• You riding a motorcycle without a current Australian motorcycle licence
• An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
• Self-inflicted injury or illness, suicide or attempted suicide

This is not an exhaustive list. Make sure you review the RACQ PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

The quickest way to make your claim is through RACQ's 24/7 online portal. Register with the email address you used to buy your policy, and RACQ will email you with instructions.

Alternatively, you can claim on your RACQ travel insurance policy over the phone, by calling 1300 207 371 or +61 2 8055 1696.

RACQ's Premium international policy offers a great range of benefits, including an impressive $10,000 limit for insolvency, $10 million for legal liability, and unlimited emergency expenses.

Members also enjoy additional perks such as discounted pet boarding, car hire, and even movie tickets.

One of the few drawbacks for RACQ policies is the $3,500 cap on COVID-19 related claims (with the exception of medical, emergency and funeral.) While this may be more than enough for some travellers, it may fall short for others.

If you're still not sure about RACQ, you can compare other travel insurance companies here .

What if I change my mind about RACQ travel insurance?

You have 21 days from the date of issue to change your mind, as long as you haven't started your trip and don't want to make a claim. Just let RACQ know and you'll get a full refund.

Is there an age limit for RACQ travel insurance?

Cover is available to travellers over the age of 18.

Can I get a RACQ travel insurance policy as a non-resident?

Yes, temporary residents over the age of 18 can get a RACQ travel insurance policy. You'll just have to hold a current Australian visa (not a tourist, study or working holiday visa) which will remain valid throughout your entire trip. You'll also need a return ticket, have a primary place of residence in Australia, and you must purchase your policy before you leave Australia.

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Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds.

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Home > Travel Insurance > RACQ Travel Insurance Review

RACQ Travel Insurance Review

Learn more about RACQ’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.

Fact checked

Far from just providing roadside assistance to Queensland motorists, the Royal Automobile Club of Queensland (RACQ) offers banking, home, car and travel insurance to millions across Australia. The Brisbane company was founded almost 120 years ago and has more than 1.7 million members today.

Savvy can help you compare RACQ's policies with those of other insurers in the market by breaking down their insurance products for you. You'll be able to weigh up factors such as inclusions and exclusions, claim limits and premiums.

Find out more about what RACQ offers by comparing with Savvy and grab a quote today.

*Please note that Savvy does not represent RACQ for its travel insurance products.

More about RACQ travel insurance

What travel insurance policies does racq offer.

RACQ offers several travel insurance policies , including:

• International Premium: RACQ’s most comprehensive international policy provides unlimited hospital and medical expense coverage, as well as coverage in other areas such as luggage and cruise insurance. You’ll also get 24/7 emergency assistance, whether holidaying in Jamaica or taking a much-needed trip to New York. This policy comes with limited coverage for COVID-19-related costs, which includes reimbursement of medical treatment and any cancellation fees or booking deposits if you need to cancel due to testing positive.
• International Standard: this policy offers fewer benefits than RACQ’s premium policy. For those who choose this option, you’ll miss out on COVID-19 benefits, but you’ll still get coverage for medical treatment, travel delays, personal liability and cancellation fees.
• International Saver: designed for those travelling on a budget, this policy covers total medical costs, some emergency expenses, loss of luggage and personal liability. However, you won’t be reimbursed for the excess on a rental car or any cancellation costs.
• Annual Multi-Trip: this type of multi-trip insurance policy will cover all your getaways within a specific 12-month period, making it ideal for frequent fliers. All the coverage of RACQ’s premium plan is included, plus you can choose a maximum trip length of up to 60 days.
• Domestic: this policy provides the broadest level of cover for those sticking close to home for their holiday. This domestic travel insurance policy covers you for some COVID-19-related expenses, such as cancellation and damage to your bags or personal items. You’re also covered if you’re on a cruise and must evacuate the ship because of a medical emergency.
• Domestic Cancellation Only: this coverage protects you for up to $1,000 per person if you’re required to alter or cancel your domestic travel plans due to unavoidable circumstances. This will cover the cost of things like cancellation fees, lost deposits and prepaid tickets.
• Rental Car Excess Only: as the name suggests, this provides you with up to $8,000 in rental car excess cover. COVID-19 coverage doesn’t apply to either of the domestic “only” policies.

When you’re shopping around for travel insurance quotes online, it can be easy to get overwhelmed by the many options available to you. That’s why, whether you’re taking a holiday to Nepal or a trip up to Broome, it’s important to compare your options with Savvy so you can get the best deal on the market.

What optional extras are available through RACQ?

Like many other travel insurance companies, RACQ offers optional extras for both international and domestic getaways. These include:

• Skiing and winter sports cover: for an extra cost, you can include this snow and winter sports package on your travel insurance policy to protect you when you’re carving up the snow-capped ski fields. The benefits of this policy include the renting of equipment, slope closure, avalanches and poor weather. You can also claim lost ski lift tickets or medical costs if you injure yourself while you’re carving up the slopes.
• Choose your excess: this add-on allows you to choose how much you pay if you need to make a claim, which could potentially make the cost of your travel insurance cheaper. You would normally have to pay an excess of $250, but you can opt for less.

What exclusions should I be aware of when buying travel insurance through RACQ?

The purpose of travel insurance may be to protect you while you’re on holiday, but policies don’t offer endless coverage. That’s why it pays to check where your policy draws the line on cover to ensure you have the right one for your trip. RACQ has a range of exclusions, including:

• Trekking at more than 3,000 metres
• The breakdown of a marriage, relationship, or friendship
• Medical treatment for an unapproved pre-existing medical condition
• Travelling for medical tourism
• Intentionally injuring yourself
• Ignoring the Australian government’s ‘do not travel’ warnings for a specific country
• Travelling against the advice of doctors
• Acts of terrorism or war

If you’ve found a policy that catches your eye, make sure you review the Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of RACQ travel insurance

What we like, $10 million personal liability cover.

RACQ offers you coverage up to $10 million if you’re found personally liable for damage of property or the injury of another person, which is almost double that of its competitors.

Competitive discounts for members

Just for being an RACQ member, you can receive a 20% discount on your travel insurance policy. This is quite competitive, given many other member organisations offer discounts of between 10% and 15%.

Ample policy options

RACQ offers up to seven different travel insurance options for international or domestic holidays which can suit travellers of most budgets.

What we don't like

Limited covid-19 coverage.

While many travel insurance providers offer COVID-19-related coverage across multiple policy levels, RACQ exclusively offers it on their premium and domestic policies.

Few optional extras

In most cases, providers offer you optional extras for motorcycle riding or adventure activities. However, RACQ only offers extra coverage for winter sports , such as skiing or snowboarding.

Acts of terrorism not covered

Some travel insurance companies will offer coverage for medical costs if your destination is struck by a terrorist attack. However, RACQ rules out cover completely for any terrorist activity.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about RACQ travel insurance

If something goes wrong while you’re on holiday, you can make a claim 24/7 through RACQ’s website or over the phone by following a few simple steps:

• Double-check with the PDS that your claim is covered
• Log onto RACQ’s online portal
• Provide ample details on your claim form
• Gather supporting evidence about your claim, such as medical or police reports and any receipts
• Submit your claim form. RACQ’s website says it will take up to ten working days for it to be assessed

Yes – RACQ offers limited coverage for those who are carrying a child on holiday . The travel insurance provider may accept claims of unexpected complications up to the 26th week of gestation or for childbirth due to an accident or injury. You will also be covered automatically for single, uncomplicated pregnancies. However, all other pregnancies require a medical assessment to be covered.

The cost of travel insurance is based on several factors, including:

• Destination
• Level of cover
• Any optional extras you choose
• Pre-existing medical conditions you need to disclose
• The policy excess you choose
• The type of insurer and insurance policy you buy

The most notable difference between multi-trip and single-trip travel insurance policies is that one covers you for multiple holidays over 12 months and the other only covers you for a single getaway. In contrast, a one-way travel insurance policy covers you for taking a single trip without a return ticket booked. You may also be able to extend a one-way policy for an extra 12 months if you pay an additional cost.

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RACQ Travel Insurance

Important information on terms, conditions and sub-limits.

Are you considering RACQ for your next travel insurance policy? We’ve gone through the fine-print to answer your burning questions about RACQ so you can find the right policy for your needs.

RACQ (Royal Automobile Club of Queensland Limited) is a mutual organisation with approximately 1.75 million members. Founded in 1905, RACQ began as a social club for car and motorcycle owners but has grown to become Queensland’s largest provider of car insurance and the second-largest provider of home insurance. RACQ has a range of products and services, including roadside assistance, travel insurance, banking, and travel agent services. RACQ travel insurance is underwritten by the Tokio Marine & Nichido Fire Insurance Co., Ltd.

RACQ travel insurance policies

RACQ offers three tiers of domestic travel insurance , as well as three tiers of international travel insurance . These tiers range from Saver, to Standard, and up to Premium. RACQ also offers an annual multi-trip travel insurance policy, if you’re looking for cover that will sustain multiple journeys over the course of a year.

• Single Duo Family

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

Cardiovascular disease

Mental health illness

High cholesterol

High blood pressure

Blood thinning medication

Activities covered

Bungee jumping

Conservation work

Mountain biking

Mountaineering

Rock climbing

Scuba diving

Snow sports

Ocean Cruise

$10,000,000

Assessment required, may cost extra

Annual Multi-Trip (45 days)

Annual multi-trip (30 days), annual multi-trip (60 days).

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).

Does RACQ travel insurance have COVID-19 coverage?

RACQ does provide some coverage for COVID-19, however, it depends on your policy and level of coverage. Check the PDS for the full story on terms and conditions.

What other optional extras can I add to my RACQ policy?

Cruise cover

If you’re travelling on a cruise ship, then you’ll need to purchase RACQ’s cruise travel insurance on top of your policy, even if your cruise stays within Australian waters. If you do not get this optional extra, then any claims related to any part of your journey on a cruise ship will not be covered. You can pay the premium for cruise cover on any of RACQ’s policies, which will cover you for that policy’s included benefits while on the portion of your journey that takes place on a cruise ship. 

Ski and winter sports cover 

Snow travel insurance is important if you’re hitting the slopes, and without it, you may not be covered for any claims relating to snow sports. Through RACQ, the ski and winter sports cover is only available if you pay an extra premium on top of either a Premium or Standard policy, or if you have an annual multi-trip plan. 

Are pre-existing medical conditions covered under RACQ’s travel insurance?

RACQ automatically includes cover for some pre-existing medical conditions , although you must declare your pre-existing conditions and have them listed on your certificate of insurance in order to be covered. So, make sure you disclose any conditions that you do have at the time of applying. 

While you may have to pay an extra premium for your condition, some conditions are covered under your policy’s premium already. 

If your pre-existing medical condition is not eligible for automatic cover, you must apply to have a medical assessment. Contact RACQ on 1300 338 821, or complete your medical assessment online, as part of the travel insurance quote process, at http://www.racq.com.au/travelinsurance . They will then be able to tell you if your condition can be covered. 

What do I do if there’s an emergency during my trip?

If there’s an emergency, contact RACQ’s 24-hour emergency assistance and claims line on: 

+61 2 8055 1696

How do I make a claim with RACQ travel insurance?

To make a claim, head online to RACQ’s website and either register or log in to your account using the email address you used to purchase your policy. 

Alternatively, contact RACQ on:

Phone: 1300 338 821

Email: [email protected]

You will need to have supporting documents which are relevant to your claim, like receipts, police reports, or hospital invoices. RACQ will aim to notify you of the success of your claim within 10 working days. 

Is it possible to cancel my RACQ travel insurance policy?

You can cancel your policy and receive a full refund within 21 days of purchasing it, provided you have not started your journey, have not made a claim, or intend to make a claim. If you want to cancel after the 21-day cooling-off period, then you may be able to receive a partial refund, at RACQ’s discretion. 

To talk to RACQ about cancelling your policy, call them on 1300 338 821.

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Annual Multi-Trip Travel Insurance

Planning multiple getaways doesn’t mean you need separate travel policies. Stay covered on the trips you take within 12 months with RACV Annual Multi-Trip Travel Insurance.

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•   Benefits
•   Summary of cover
•   Travel alerts
•   Getting a quote
•   Policy documents

What is annual multi-trip travel insurance?

If you’ve scheduled several trips on your calendar for the next 12 months, an annual travel insurance policy could be suitable for you. RACV Annual Multi-Trip Travel Insurance gives you and your family an unlimited number of trips for a full year - on trips where you travel more than 250km from home. 

Whether you’re travelling solo or with your family, for fun or for business, an annual travel policy can provide cover when you need it most.

RACV Members get 15% off RACV Travel Insurance

Cover designed for your busy year

We all travel for different reasons, which is why RACV Annual Multi-Trip Travel Insurance can be tailored to your needs. Start by choosing your max duration limit of 30, 45 or 60 days per trip or choice of excess.

Once each trip is complete, the sum insured under each section in the annual travel insurance policy will be reinstated automatically.

Whether you need yearly holiday insurance for separate trips with your family or annual travel insurance for a year of domestic holiday’s or business trips around the world, these policies can provide you with coverage.

Yearly worldwide travel insurance

Whether you’re soaking up the sun in Spain or enjoying your leave in Thailand, annual travel insurance gives you cover on the important things. RACV Annual Multi-Trip Travel Insurance provides cover for:

• Cancellation fees and lost deposits #
• Overseas medical, hospital and dental #^^
• Emergency expenses #

Even for domestic travelling, if your destination is further than 250km from your home, you’re covered under the RACV Annual Multi-Trip Travel Insurance policy.

#Limits and sub-limits apply. Refer to the Product Disclosure Statement  for full details

^^This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including that arising from a Terrorist Act) or illness occurring which first shows itself during your period of insurance. Benefits may be paid up to 12 months from the time you received treatment for the injury or illness, but only for reasonable expenses incurred during that time. Medical treatments must be provided by a legally qualified medical practitioner. You must notify us as soon as practicable of your admittance to hospital.

Family cover for no extra cost (1)

Family holidays are a lot of fun, but they involve more preparations to ensure everyone travelling is protected. And with more luggage to potentially lose, getting cover for the whole family should be considered.

RACV Annual Multi-Trip Travel Insurance provides cover for your Dependent(s) at no extra cost when they travel with you. You just need to list each family member on the policy. Conditions apply. 1

1. Dependents such as children, grandchildren, stepchildren, and foster children aged 25 or under at no extra cost provided they are travelling with you the whole time, are financially dependent on their parents or grandparents, not working full time and do not require a medical assessment.

Why choose RACV Annual Multi-Trip Travel Insurance?

Kids travel free.

Not all roads are travelled alone. That’s why these annual travel insurance plans keep your family covered for free when they travel with you. This includes your partner and Dependent(s). 1

Annual multi-trip benefits

These 12-month travel insurance policies seek to provide cover on your next holiday. From overseas medical, hospital and dental cover*, to insurance for luggage items* and cancellation fees*, annual multi-travel insurance provides the protection you need.

All year assistance

Travelling safely requires having reliable cover. And if you’ll be travelling regularly, annual travel insurance cover is there for you on each trip. With multiple inclusions and an international team available 24/7, you can depend on your cover all year round when you travel. 

*Limits and sub-limits apply. 

Frequent flyer? Make the most of your mileage with RACV travel tips

RACV summary of cover

RACV Annual Multi-Trip Travel Insurance provides year-long travel insurance for singles and families. Discover what’s included in the cover below.

Protect yourself and your family from the risks of travelling far from home with cover that stretches over multiple trips throughout the year. From overseas hospital fees to the costs that come from travel delays, RACV Annual Multi-Trip Travel Insurance covers you for unexpected holiday events and expenses.

Summary of Cover

Annual multi-trip (per adult).

Section 1 Cancellation Fees and Lost Deposits

1A: Unforeseen Circumstances#

$unlimited^^

1B: Death, Injury or Illness of Your Relative, Your Travelling Companion or Your Travelling Companion’s Relative#

1C: Emergency Worker Leave+ (Sub Limit)

Section 2: Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses

2A: Overseas Medical and Hospital

$unlimited**

2C: Overseas Dental#+ (Sub Limit)

2G: Funeral Expenses Overseas*+ (Sub Limit)

Section 3: Luggage and Personal Money

3B: Travel Documents+ (Sub Limit)

3C: Luggage Delay+ (Sub Limit)

3E: Personal Money+ (Sub Limit)

Section 4: Emergency Expenses

4A: Emergency Expenses

4B: Resumption of Travel+ (Sub Limit)

4C: Emergency Expenses for Death, Injury or Illness of Your Relative, Your Travelling Companion or  Your Travelling Companion’s Relative

$unlimited^^**

4D: Special Events

Section 5–24

5: Accidental Death*

6: Accidental Disability*

7: Your Legal Liability

$10,000,000

8: Rental Car Excess

9: Loss of Income

10: Financial Default

11: Domestic Pets^

12: Domestic Services ^

13: Travel Delay

Not Applicable

14: Hijack and Kidnap*

Ski and Winter Sports optional add-ons

15: Ski and Winter Sports Overseas Medical and Hospital

16: Equipment Hire^

17: Ski Pack^

18: Piste Closure^

19: Bad Weather and Avalanche^

20: Lift Pass*

COVID-19 Benefits

21: COVID-19 Overseas Medical and Hospital and Emergency Expenses#

22: COVID-19  Cancellation Fees and Lost Deposits

23: COVID-19  Additional Expenses# and Special Events

24: COVID-19 Travel Delay#

*#Limits and Sub Limits apply. See pages 10-23 for details. ^^$unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. **$unlimited means that generally there is no cap on the maximum dollar amount which may be paid out for this benefit, subject to the specific terms and conditions, sub-limits and exclusions that apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including arising from a Terrorist Act) or illness occurring which first shows itself during Your Period of Insurance. Benefits may be paid up to 12 months from the time You received treatment for the injury or illness, but only for reasonable expenses incurred during that time. All medical treatments must be provided by Your Treating Doctor or Our Consulting Medical Officer. You must notify Us as soon as practicable of Your admittance to hospital. *This cover is per person listed in Your Policy. ^This cover is per policy. +This Sub Limit is a subset of this overall policy benefit section. *** Sub Limit and Policy Limit may apply – please refer to sections 1B and 4C in the PDS The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations . For copies, visit racv.com.au . RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS . Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed.

Luggage item limits

Insuring your luggage items with RACV Annual Multi-Trip Travel Insurance covers them for up to $15,000. Whether you’re travelling with your prized golf clubs or your laptop, these travel insurance policies take the sting out of losing expensive items. Discover the amounts for specific luggage items below.

Policy benefits

Annual multi-trip.

Medical Devices

RACV policy options and add-ons

When choosing your annual holiday insurance, the best cover will be tailored to your needs and situation. RACV Annual Multi-Trip Travel Insurance offers a range of policy options and extra benefits that you can add onto your plan – giving you the chance to create the cover that suits you best.

Whether you have medical conditions or are preparing for an adrenaline-filled ski trip, choosing the right add-ons can take a big risk out of your worldwide adventures. Find out what you can add to your yearly travel insurance policy below.

Cover for medical conditions

Travelling with medical conditions doesn’t mean you miss out on annual travel insurance cover. Check out the different conditions that are covered by RACV Travel Insurance policies  here , for all other conditions you can complete an online assessment to see if we can cover them as well.

Ski and winter sports cover

A ski holiday is a great way to cool off and get your blood pumping. If you’re planning a winter trip, the right add-on will keep you covered from injuries related to winter sports. Find out more about ski and winter sports and activities cover  here . 

Excess options

You can choose to vary your Excess, which is the amount you must pay if you have a claim. The Excess you choose will either increase or reduce your Premium. The Plan Type you select has the following Excess ranges:

• Annual Multi-Trip policy has a choice of $0, $100 or $250

Cruise cover

If you require cover for a Cruise, please select the Cruise option when purchasing a policy. This will determine the Premium you pay.

Cover for international river cruising is included automatically and you do not need to select the Cruise option.

Cruise Cover is required for all Ocean Voyages of more than one night.

Travel alerts, claims and policy documents

Travel alerts.

RACV Travel Insurance won't cover you for countries/regions with a DFAT travel advisory of "Do Not Travel".

• Smart traveller
• Recent travel alerts
• COVID-19 travel advice & FAQs

Review or manage your policy

For full details on how you’re covered, read the RACV Travel Insurance Product Disclosure Statement.

• Make a claim
• Find a policy document
• Contact us on 13 13 29

Save more as an RACV Member

International Sim Card

Airport Parking

International Driving Permit

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations . For copies, visit racv.com.au. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS.

Travel Insurance Sales 13 13 29

Emergency assistance 02 8055 1699

Claims 1300 207 387

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Register your trip in our app for access to your travel insurance policy details, as well as up-to-date travel advice, real-time safety alerts and 24/7 emergency assistance, all in the palm of your hand.

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International Basic

Essential cover designed for Australian travellers on a budget.

Pre-trip cover if you're diagnosed with COVID-19

On-trip cover if you're diagnosed with COVID-19^##

Unlimited~ overseas emergency medical expenses^

Up to $5,000 luggage cover

Existing medical conditions cover available

Optional cancellation cover

Single Trip policies

Annual Multi-Trip policies^

Rental vehicle insurance excess

International Comprehensive

Extensive cover and benefit limits to provide extra financial protection.

Pre-trip cover if you're diagnosed with COVID-19#

On-trip cover if you’re diagnosed with COVID-19 while travelling^##

Up to $15,000 luggage cover*

Optional cancellation cover with Cancellation Extensions

Single Trip or Annual Multi-Trip^^ policies

Rental vehicle comprehensive cover

International Comprehensive +

Everything our Comprehensive Plan includes and more + higher benefit limits.

Pre-trip cover if you’re diagnosed with COVID-19 before travelling#

Up to $25,000 luggage cover*

Business trip benefits

* Item limits apply.

~ Cover will not exceed 12 months from onset of the illness, condition, or injury.

^ For cruise-related expenses, Cruise Cover must be included in the policy. There is no cover for cabin confinement related to COVID-19.

^^ Policy availability subject to age, trip duration and area of travel. Policies may not be available to all travellers.

# Up to $5,000 per policy (or the amount chosen if this is less) applies to International Comprehensive Plan and Comprehensive+ Plan policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply.

## Up to $5,000 per policy (or the amount chosen if this is less) applies per policy for policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply. A special excess applies.

Searching for COVID-19 cover?

To help you explore the world with confidence, our travel insurance provides cover for COVID-19-related:

Overseas medical costs*~#

Amendment and cancellation costs*^

Additional expenses*#^

*Limits, sub-limits, conditions, and exclusions apply.

~Medical cover will not exceed 12 months from onset.

#Cover for medical costs related to COVID-19 is not available on our Domestic Plans.

^A special excess will apply.

Holiday hasn't  gone to plan?

You can submit a Cover-More travel insurance claim online at any time – and from anywhere.

Get emergency support, fast. We're here 24/7.

When adventure awaits... we can help provide cover.

Setting sail for two or more nights? You'll need to let us know and Cruise Cover will be added to your policy.

Snow Sports

Hitting the slopes? Consider protecting your winter getaway with one of our two levels of Snow Sports Cover.

Adventure Activities

Planning on engaging in extreme activities? We've got two additional Adventure Activities Cover options for you.

Motorcycle & Moped

Want to take to the road on two wheels? See if one of our Motorcycle/Moped Riding Cover options is right for your trip.

We're by your side when you need us most

We've been protecting Australian travellers for over 35 years. Read our customers' Cover-More travel insurance reviews to discover how our expert team provides exceptional care during uncertain times.

Mosquito bite in Bali

Shannon was bitten by a mosquito in Bali, which caused Dengue Fever.

"Cover-More were absolutely fantastic. I wasn't responding well to medical treatment, so they flew in a specialist from Singapore to accompany me all the way home. I'm so glad I had Cover-More travel insurance."

Boat crash in Thailand

Natalie was involved in a speedboat crash in Thailand, which resulted in a fractured pelvis and a brain haemorrhage.

"Luckily I had Cover-More insurance. They took care of everything and made sure we had the best medical treatment available."

Accidental fall in Poland

Irene was visiting family in Poland when she had a fall, which resulted in a bad fracture and extensive medical costs.

"Amazing. I can't praise them highly enough. Wonderful, wonderful people... Nobody should travel without insurance."

Protect your trip with us - get a free travel insurance quote now.

How can we help you travel smarter.

Whether you’re a seasoned traveller or a first-timer, we’re here to help you feel empowered to travel further, safely.

Finding cover for Existing Medical Conditions (EMCs)

Have an EMC? We can provide cover for various conditions to help keep you exploring, safely.

7 ways COVID-19 has changed the way we travel

Worried about travel risks during COVID-19? Discover how you can help ensure a safer trip.

What you should know before you hit the slopes

Planning a ski trip at home or abroad? Don't depart without reading our expert advice.

Got a question about travel insurance? We're here to help

What is travel insurance.

Travel insurance is a specific type of insurance that helps cover several costs and disruptions when travelling both domestically and overseas. Levels of cover differ per plan; however, travel insurance typically protects against trip cancellation, delays, lost luggage and personal belongings, overseas medical expenses and repatriation, and personal liability.

Most travel insurance providers offer single or multi-trip policies, which can cover multiple countries within a specific timeframe. Things like the destination, length of trip, optional additional cover for specific activities and pre-existing medical conditions all help determine the cost of a travel insurance policy.

How much does travel insurance cost?

The cost of a travel insurance policy varies from traveller to traveller because various factors affect the amount payable.

At Cover-More, we consider a number of factors when calculating the total amount payable. The following is a guide on these key factors, how they combine and how they may impact the assessment of risk and therefore the premium paid:

• Area: higher risk areas cost more.
• Departure date and trip duration: the longer the period until you depart and the longer your trip duration, the higher the cost may be.
• Age: higher risk age groups cost more.
• Plan: International Comprehensive+, which provides more cover, costs more than International Comprehensive or Domestic.
• Excess: the higher the excess the lower the cost.
• Cruise cover: additional premium applies.
• Cancellation cover: on some policies you can choose your own level of cancellation cover. The more cancellation cover you require, the higher the cost may be.
• Adding cover for Existing Medical Conditions and pregnancy (where available): additional premium may apply if a medical assessment is completed and cover is accepted by us.
• Options to vary cover (where available): additional premium applies.

While a cheaper policy cost upfront may seem appealing, always read the Product Disclosure Statement to ensure your needs are adequately covered should an incident occur.

How does travel insurance work?

Travel insurance protects you when travelling domestically or internationally by providing coverage against unforeseen circumstances that may impact your travel plans. By purchasing travel insurance with cancellation cover prior to departure, your policy can help by providing cover for the costs of trip cancellations should you no longer be able to travel, as well as the costs of overseas medical treatment, lost passports, and personal items while you’re travelling.

The customer usually pays for these costs upfront, before being reimbursed by the travel insurer upon claim approval. To approve a claim, travel insurers require documentation such as medical reports, itemised medical bills or police reports to confirm the incident occurred.

However, at Cover-More, if our customer becomes ill overseas, they can also contact our 24-Hour Emergency Assistance team for support and to seek approval for expensive medical bills to be paid directly by us to the medical care provider/s instead.

Always read the Product Disclosure Statement before purchasing a travel insurance policy to ensure it provides adequate coverage for your circumstances.

What does – and doesn’t – travel insurance cover?

Unfortunately, travel insurance can’t cover absolutely everything. This highlights the importance for travellers to read the  Product Disclosure Statement  before purchasing to avoid becoming frustrated if claims are unsuccessful. It will contain details on the situations you likely won’t be covered in, including cancellation, pre-existing medical conditions, theft or loss of belongings, adventure sports, COVID-19 scenarios and more.

For full details of the exclusions within our Cover-More travel insurance plans, consult the  Product Disclosure Statement  .

When is the best time to purchase travel insurance?

The best time to purchase travel insurance is as soon as a trip is booked, as this can increase protection. When purchased ahead of time, a Cover-More customer can cancel their travel insurance policy for a full refund within the 21-day cooling-off period. If the policy is purchased before departing on the trip, claims for rearrangements and cancellations caused by unforeseen circumstances can also be made where cancellation cover is added to the policy.

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If you're going overseas, travel insurance is just as essential as your passport. Use our free comparison tool to narrow down international single trip and annual multi-trip policies from 27 insurers, offering cover for COVID-19, existing medical conditions, car rental and more.

Travel insurance is a portable version of health, home, contents, life, public liability, and car rental excess insurance all packaged in one to take on holidays with you. But with all those insurances piled into one product, navigating your way through the terms and conditions to find the loopholes can be very challenging.

Use our travel insurance comparison to narrow down your options and make sure you're getting the best cover for your needs when on holiday.

List of brands we tested in this review.

• Battleface 2
• Cover-More 5
• FastCover 4
• Flight Centre 4
• Go Insurance 4
• InsureandGo 3
• Southern Cross Travel Insurance (SCTI) 3
• Tick Travel Insurance 4
• Travel Insurance Direct 3
• Virgin Australia 5
• WAS Insurance 2
• World Nomads 2
• World2Cover 4

The average cost of the policy compared to other policies of the same type (single trip or annual multi-trip). One $ sign is the cheapest through to five $$$$$ the most expensive. NA means the policy wasn't included in the price rating.

enter value/s in increments of 1 between 0 and 0

Policy type

• One trip 65
• Policy age limit

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Does the policy cover international cruises?

• Optional 71

Medical expenses for COVID-19

Whether the policy covers you for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from COVID-19. Cover is assessed on individual circumstances.

Cancellation expenses for mental health

Whether the policy covers you for cancellation expenses for claims arising directly from recognised mental health disorders experienced for the first time such as depression, anxiety, schizophrenia, bipolar disorder or PTSD. Cover is assessed on individual circumstances.

• Cancellation for insolvency of a travel services provider

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Cancellation expenses for a natural disaster

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from a natural disaster. Cover is assessed on individual circumstances.

Cancellation expenses for civil unrest

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from civil unrest such as political protests, riots and strikes. Cover is assessed on individual circumstances.

• Baggage cover

Are stolen or damaged personal belongings covered

• Limit for baggage expenses

The overall limit for stolen or damaged personal belongings.

• Limit for a smartphone

Limit for a smartphone. Cover is assessed on individual circumstances.

• Limit for a laptop or tablet

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

• Limit for rental car excess

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

• Scuba diving

Does the policy cover scuba diving if you are appropriately certified or diving with a qualified instructor?

Skiing and snowboarding on-piste

Does the policy cover skiing and snowboarding on-piste?

• Optional 82

Skiing and snowboarding off-piste

Does the policy cover skiing and snowboarding off-piste withing the resort boundaries?

• Optional 72

Tobogganing

Does the policy cover tobogganing on snow?

• Optional 50

Does the policy cover riding a moped with an engine capacity 50cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 32

Moped 125cc

Does the policy cover riding a moped with an engine capacity 125cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 28

Does the policy cover riding a motorcycle with an engine capacity above 125cc with an Australian motorcycle license and a helmet?

• Optional 34

Included in this comparison

• Price rating
• Dependant age limit
• Cancellation
• Pregnancy stage covered
• Childbirth costs
• Pre-existing conditions covered without application
• Pre-existing conditions covered on application
• Time period for existing conditions
• Medical expenses
• Expenses for a person to accompany a sick policyholder
• Daily hospital cash allowance
• Hours of hospitalisation before receiving allowance
• Dental expenses for accident or injury
• Dental expenses for acute pain
• Overseas funeral costs
• Additional travel expenses for injury or sickness
• Additional expenses for interrupted travel
• Travel insurance extension for a delayed trip
• Additional expenses for a lost passport
• Additional expenses for a sick relative
• Additional expenses for resumption of journey interrupted for a relative
• Cancellation covered
• Cancellation expenses
• Cancellation for frequent flyer points
• Cancellation expenses for travel agent fees
• Cancellation for insolvency of a travel agent
• Cancellation expenses for redundancy
• Cancellation expenses for defence and emergency workers
• Cancellation expenses for cancellation of work leave
• Cover for transport incidents
• Cover for strikes
• Cover for mental health
• Cover for COVID-19
• Cover for pandemics
• Cover for natural disasters
• Cover for civil unrest
• Cover for terrorism
• Cover for war
• Additional expenses for a special event
• Additional expenses for pre-paid travel arrangements
• Limit for travel delay expenses
• Hours before travel delay covered
• Limit per 24 hours for travel delay
• Limit for a single unspecified item
• Limit for a video or photo camera
• Limit for prescribed medications
• Overall limit for specified items
• Cover for baggage in a car during the day
• Cover for baggage in a car overnight
• Cover for valuables in a car
• Cover for lost or stolen cash
• Limit for baggage lost temporarily
• Hours before cover applies for baggage lost temporarily
• Rental car excess
• Snow sports
• Mopeds and motorcycles
• Bungee jumping
• Horse riding
• High altitude hiking
• White water rafting
• Paragliding
• Hot air ballooning
• Hang gliding

Displaying all 91 products

• Brand (A-Z)

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

Your filters

This overall score is based on our expert assessment of what the policy covers, price and how easy it is to understand and buy. A higher score is better.

1Cover Comprehensive

1Cover Frequent Traveller

1Cover Medical Only

AANT Annual Multi-Trip

AANT Basics

AANT Essentials

AANT Premium

AHM Comprehensive

AHM Comprehensive Multi-Trip

AHM Medical Only

Battleface Covid Essentials

Battleface Discovery

Cover-More Basic

Cover-More Comprehensive

Cover-More Comprehensive Multi-Trip

Cover-More Comprehensive Plus

Cover-More Comprehensive Plus Multi-Trip

FastCover Basics

FastCover Comprehensive

FastCover Frequent Traveller Saver

FastCover Standard Saver

Flight Centre Multi-Trip YourCover Essentials

Flight Centre Multi-Trip YourCover Plus

Flight Centre YourCover Essentials

Flight Centre YourCover Plus

Go Insurance Go Basic

Go Insurance Go Basic Annual Multi-Trip

Go Insurance Go Plus

Go Insurance Go Plus Annual Multi-Trip

InsureandGo Bare Essentials

InsureandGo Gold

InsureandGo Silver

Jetstar Comprehensive

Medibank Comprehensive

Medibank Medical Only

Medibank Multi-Trip Comprehensive

NIB Annual Multi-Trip

NIB Comprehensive

NIB Essentials

NRMA Comprehensive

NRMA Comprehensive Multi-Trip

NRMA Essentials

Qantas Annual Multi-Trip

Qantas International Comprehensive

RAA Essentials

RAA Multi-Trip

RAA Premium

RAC Annual Multi-Trip

RAC Comprehensive

RAC Essentials

RAC Medical Only

RACQ Annual Multi-Trip

RACQ Premium

RACQ Standard

RACT Annual Multi-Trip

RACT Comprehensive

RACT Essentials

RACV Annual Multi-Trip

RACV Basics

RACV Comprehensive

RACV Essentials

Southern Cross Travel Insurance (SCTI) Annual Multi-Trip

Southern Cross Travel Insurance (SCTI) Comprehensive

Southern Cross Travel Insurance (SCTI) Medical Only

Tick Travel Insurance Basic

Tick Travel Insurance Budget

Tick Travel Insurance Standard

Tick Travel Insurance Top

Travel Insurance Direct Annual Multi-Trip

Travel Insurance Direct Basics

Travel Insurance Direct The Works

Virgin Australia International Plan (bought with flight purchase)

Virgin Australia Travel Safe International

Virgin Australia Travel Safe International Multi-Trip

Virgin Australia Travel Safe Plus International

Virgin Australia Travel Safe Plus International Multi-Trip

WAS Insurance Covid Essentials

WAS Insurance Discovery

Webjet Travel Safe International

Webjet Travel Safe International Multi-Trip

Webjet Travel Safe Plus International

Webjet Travel Safe Plus International Multi-Trip

World Nomads Explorer

World Nomads Standard

World2Cover Annual Multi-Trip

World2Cover Basics

World2Cover Essentials

World2Cover Top

• Insurance provider

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• Travel Insurance

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Tick Travel Insurance Top Cover Review: Pros and Cons

Published: Apr 24, 2024, 1:46am

When comparing Tick Travel Insurance’s pricing against cover levels in key areas, such as emergency medical expenses and trip cancellation, it can be considered a highly competitive player in the market. Travellers will likely appreciate the unlimited medical cover and $20,000 of cancellation cover available. Plus, the 24-hour medical emergency assistance line may offer added peace of mind. However, whether Tick Travel Insurance Top Policy will be suitable for you, will likely come down to whether cover levels across other areas of need will be high enough.

• Competitive pricing
• High levels of medical and cancellation cover
• High customer service rating
• Credit card fraud not covered
• Higher levels of luggage cover elsewhere
• Missed connections not covered

Table of Contents

About tick travel insurance, what does tick travel insurance cover, does tick travel insurance cover me for covid, pricing comparison, customer service, the bottom line.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

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

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

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.

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 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.

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.

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.

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.

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: [email protected] .

For 24-hour emergency assistance, you can call: +612 9333 3963, and for emergencies and claims, email: [email protected] .

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: [email protected] .

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.

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 [email protected].

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.

I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.

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RACQ appoints new Chief Executive Banking

RACQ has appointed Barney Burke to lead the Club’s banking arm as Chief Executive Banking.

Mr Burke has been acting in the position for the past few months and has now been permanently appointed to the role following Michelle Winzer’s departure.

RACQ Managing Director and CEO David Carter said Mr Burke brought a wealth of experience having worked across the globe in the finance sector for more than 25 years.

“Barney’s passion and commitment for our members has never been more clear and I know he will continue to lead with determination through the next phase of banking, as we focus on our risk uplift and strategic goals,” he said.

“Barney joined RACQ in 2021 and has been crucial in supporting our Group Finance and Banking executive teams in his role as General Manager Bank Finance and Group Performance. 

“It was great to see the bench strength of our internal talent pool and how our succession planning efforts have paid off.

“I look forward to watching the Bank further grow and prosper under his leadership.”

Mr Burke said he was proud to be appointed to this position at a Bank that is dedicated to serving its members and the Queensland community.

“I am truly honoured to be appointed as Chief Executive Banking and to continue building on the incredible reputation and achievements of RACQ Bank,” he said. 

“We know it has been a challenging time for many Australians, especially with ongoing cost of living pressures, and RACQ Bank will remain committed to offering exceptional value and service to our members.”

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