tick travel insurance legit

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Tick Travel Insurance Top Cover Review: Features, 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 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.

• 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 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.

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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Is Tick Travel Insurance Legit?: A Comprehensive Review

Tick Travel Insurance is one of the leading providers of travel insurance in Australia, offering a range of coverage options for domestic and international trips.

Tick Travel Insurance has been awarded the Mozo Experts Choice Award for Exceptional Value Basic Travel Insurance in 2020 and 2021 and has received over 10,000 positive reviews from satisfied customers on Trustpilot.

In this article, we will review the features, benefits, exclusions, and limitations of Tick Travel Insurance and compare it with other popular travel insurance brands in the market.

We will also share some tips and tricks on how to get the best deal and make the most of your travel insurance policy.

Assessing Tick Travel Insurance’s Legitimacy

When choosing a travel insurance provider, it is important to consider its legitimacy and effectiveness.

Registration and Authorization

Tick Travel Insurance is a trading name of Europ Assistance Australia Pty Ltd, which is a subsidiary of the global Generali Group.

Europ Assistance Australia Pty Ltd. is registered in Australia with the Australian Securities and Investments Commission (ASIC) under the Australian Business Number (ABN) 76 152 337 2671.

Europ Assistance Australia Pty Ltd is also authorized by ASIC to deal in and provide general advice on general insurance products under the Australian Financial Services Licence (AFSL) 4119131.

Tick Travel Insurance policies are underwritten by certain underwriters at Lloyd’s, which is the world’s leading insurance and reinsurance marketplace.

Lloyd’s is regulated by the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA) in the United Kingdom and is also licensed to operate in over 200 countries and territories.

Financial Stability and Underwriting

Tick Travel Insurance has strong financial backing from its parent company, Generi Group, and its underwriters, Lloyd’s.

Generic Group is one of the largest insurance groups in the world, with a total revenue of €69.7 billion and a net income of €2.1 billion in 2020.

Generic Group has a credit rating of A+ from Standard & Poor’s and A1 from Moody’s.

Lloyd’s is a well-established and respected insurance market , with a history dating back to 1688.

Lloyd’s has a credit rating of A+ from Standard & Poor’s, AA- from Fitch, and A from A.M. Best.

Lloyd’s has a strong capital position, with a central fund of £3.5 billion and a market-wide solvency ratio of 147% as of December 2020.

Customer Satisfaction and Claim Settlement

Tick Travel Insurance has received positive feedback from its customers, with over 10,000 reviews and a rating of 4.6 out of 5 on ProductReview.com.au .

Customers have praised Tick Travel Insurance for its competitive rates, easy-to-set-up process, and excellent and efficient customer service.

Tick Travel Insurance also has a simple and convenient online claims portal where customers can submit and check the status of their claims.

Alternatively, customers can also email or call Tick Travel Insurance for assistance.

According to ProductReview.com.au, Tick Travel Insurance has resolved most of the claims within 1-2 months and has approved more than half of the claims submitted

Contact information

Customer reviews.

Customer reviews and experiences can provide valuable insights into the quality and performance of a travel insurance provider.

The following are major issues raised by Tick Travel Insurance customers:

Positive Aspects :

• Many customers have praised Tick Travel Insurance for its competitive rates , easy-to-set-up process, and excellent and efficient customer service.
• Some customers have also appreciated the range of coverage options and the potential to balance costs with the coverage offered by Tick Travel Insurance .
• A few customers have reported that their claims were handled quickly and fairly and that they received their reimbursements promptly.

Negative Aspects:

• Some customers have complained about the delays, difficulties, and rejections of claims and the poor communication and transparency of the company.
• Some customers have also expressed their frustration and disappointment with the claim process, the customer service, and the policy terms and conditions of Tick Travel Insurance .
• A few customers have mentioned the problems with the online portal, the lack of response from customer support, and the exclusions and limitations of the policy.

Tick Travel Insurance claims

If you need to make a claim with Tick Travel Insurance , you have two options: you can either use the online claims portal or submit a manual claim form.

The online claims portal is the easiest and fastest way to submit and check the status of your claim.

Alternatively, you can download and complete the relevant claim form from the website, print, sign, and email it to [email protected].

Depending on the type of claim you are making, you may need to provide different documents and evidence to support your claim, such as receipts, invoices, medical reports, police reports, etc.

Retain all original documents and receipts until your claim undergoes assessment and approval.

Promptly reach out to Tick Travel Insurance in case of a claim and adhere to customer service instructions.

For further details on Tick Travel Insurance claims, visit their website or reach out via phone or email for any inquiries.

Their phone number is 1300 349 875 for general inquiries and +612 9333 3963 for emergency assistance overseas.

Their email address is [email protected].

Who owns tick travel insurance?

Tick Travel Insurance is wholly owned by Europ Assistance , which is a subsidiary of the global Generali Group.

Europ Assistance has a global presence in more than 200 countries, with a network of more than 750,000 assistance providers averaging 10 million assistance interventions every year.

Europ Assistance acquired Tick Travel Insurance in 2020.

Tick Travel Insurance policies are underwritten by certain underwriters at Lloyd’s, which is the world’s leading insurance and reinsurance marketplace

Tick Travel Insurance PDS

The product disclosure statement (PDS) is a document that contains the features, benefits, exclusions, and limitations of a travel insurance policy.

The PDS also explains the terms and conditions, the claim process, and the complaints procedure of the policy.

You can find the PDS of Tick Travel Insurance on their website

Tick Insurance complaints

The complaints are the negative feedback or experiences that customers have with a travel insurance provider.

The complaints may be about the policy, the claim, the customer service, or the communication of the provider.

Some of the common themes and patterns in the complaints are:

• The claim process is slow, difficult, and unfair, and the provider rejects many claims based on exclusions and limitations.
• The customer service is poor, unresponsive, and unhelpful, and the provider does not communicate or resolve the issues properly.
• The policy does not cover many unplanned events, such as COVID-19, natural disasters, civil unrest, or personal reasons.
• The online portal is problematic, and the customers cannot access or manage their policy or claim easily.

In this article, we have reviewed the legitimacy and effectiveness of Tick Travel Insurance

We have compared Tick Travel Insurance to some of its competitors in the market, based on factors such as

• coverage options
• customer service
• claim processing.

We have also examined the customer reviews and feedback of Tick Travel Insurance and addressed some of the recurring concerns or negative experiences raised by customers.

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I am Evans, an insurance expert with a deep-rooted passion for helping people understand the world of insurance. With about 2 years of experience, I’ve dedicated my career to simplifying complex insurance concepts and providing tailored solutions. I have the knowledge and expertise to guide individuals and businesses in making informed insurance decisions, thanks to my educational background in finance and risk management and my Bachelor’s degree in Insurance and Risk Management from Columbia University. I believe that insurance is not just about policies; it’s about safeguarding dreams and ensuring financial security. I’m committed to sharing my insights and knowledge to empower others to protect what matters most.

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Tick Travel Insurance

Our verdict: competitive policies on offer, whether you’re 19 or 99 but you’ll want to read the policy wording carefully to make sure you’re covered for everything you might need..

In this guide

Get a quote with Tick travel insurance

Check out this tick deal, summary of tick's top policy, tick travel insurance: covid-19, what policies do tick offer, here's a breakdown of tick travel insurance features, standard features, optional add-on, how to make a tick claim, here's the bottom line about tick travel insurance, frequently asked questions.

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• Tick is one of the handful of travel insurance providers that offer specific cover for COVID-19 expenses.
• The budget option still includes some hefty benefits, including $2,000 worth of cover for baggage and $1,000,000 for personal liability.
• There is currently no cover for cruise travel or those looking for an annual policy to cover multiple trips.

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Get 10% off on Tick travel insurance policies

Congratulations, Tick!

Tick won the award for 'Travel Insurance' in the 2023 Customer Satisfaction Awards.

Table updated November 2023

Tick Travel Insurance is one of a few providers that offer some Covid-19 cover for both overseas and domestic trips. These are some of the key benefits found in Tick's Standard and Top policies:

• Overseas medical expenses including emergency hospital, surgical, ambulance and repatriation costs
• Cancellation or trip disruption if the amendment of your trip is necessary and unavoidable as a result of being diagnosed with COVID-19 after you purchase the policy
• Additional travel and accommodation costs including quarantine, excursions and activities
• Additional travel expenses that are incurred after departure, where you need to catch up to your original schedule

If you want to know which other insurers offer pandemic cover, we've compared all the providers that cover Covid-19 expenses .

Choose from four tiers of policies based on how much cover you think you'll need on holiday: Basic, Budget, Standard or Top. Here are some of the main insured events a Tick travel insurance policy can cover you for:

The insurance is issued and underwritten by Mitsui Sumitomo Insurance Company, Limited and comes with a cooling-off period and a $200 standard excess.

The cooling-off period is 14 days and allows you to cancel your policy within this period for a full refund if you decide it is no longer suitable. The excess is the amount you're required to pay when you make a claim. With Tick travel insurance, you can choose to remove the excess and pay an additional premium or double it to reduce your premium.

Tick Travel Insurance policies have a lot of benefits that can cover you for a wide variety of travel-related mishaps. Here are some of the key policy benefits to help you decide if Tick is the right provider for you:

• Accidental death and permanent disability
• Additional emergency expenses
• Canceling your trip before departure
• Delayed baggage
• Loss of income
• Overseas medical expenses
• Passport and travel documents
• Personal belongings and baggage
• Personal liability
• Rental car excess waiver
• Travel delay expenses

With Tick Travel Insurance, you can tailor your policy with add-ons based on what you'll be doing on your holiday. Make sure to review the product disclosure statement (PDS) in full, so you know exactly what you'll be covered for.

• Additional specified items cover. You can take out up to $4,000 of cover for a single valuable item or up to $6,000 of cover for combined items.
• Natural disaster cover. This add-on may cover you for cancelling your trip before departure, having to cut your trip short and additional emergency expenses in the event of a natural disaster. Benefits vary between the different levels of cover. If you want cover for all, though, opt for the Standard or Top cover.
• Winter sports cover. This option provides up to $1,250 of cover when your winter sports equipment is lost, stolen or damaged. Cover is also included for winter sports equipment hire, lift passes, ski packs, piste closure and avalanches.

​​As with any travel insurance brand, there are certain occasions when your claim may not be paid . Some of Tick Travel Insurance's general exclusions include:

• Travel to Afghanistan, Antarctica, Chad, Crimea, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, North Korea, Pakistan, Russia, Somalia, Sudan, Syria, Uganda, Venezuela, Yemen and Zimbabwe or through an area designated as "Do Not Travel" by SmartTraveller.gov.au
• Travel on a commercial cruise for longer than 2 hours
• Travellers under the age of 16 years unsupervised by an adult during the trip
• If you are or will be more than 30 weeks pregnant
• Travel against the advice of a medical practitioner, if you know you'll need medical treatment during your trip or if you're travelling to get medical treatment
• Travel for the purpose of humanitarian or missionary work, manual labour or working with animals
• Suicide, attempted suicide, self harm, self-injury or you deliberately putting yourself in danger
• The use of a two- or three-wheeled motor vehicle unless you are wearing a crash helmet (this is irrespective of the law in the country you are in)

Make sure you review Tick's PDS for full details of what is and isn't covered.

• Head to https://quote.tickinsurance.com.au/policylogin.aspx
• Enter your policy number, surname and date of birth to log in
• Complete your claim details by answering all sections
• Upload any documents relevant to your claim
• Submit and your claim should be evaluated within 10 business days

Tick serves up some important benefits such as unlimited overseas medical cover and up to $20,000 for trip cancellation expenses. Some nice-to-have features such as loss of income cover and pet care expenses might be just what you're looking for in a travel insurance policy.

Where Tick might fall short for you, is when it comes to time to claim. Certain benefits don't kick in unless you meet very specific criteria. Travel delay expenses, for example, aren't claimable unless you've been delayed for more than 12 hours. Many other insurers will cover you after a 6-hour delay.

Purchasing a travel insurance policy does take a bit of pre-reading and with Tick travel insurance, this is even more important. Take the time to read the Product Disclosure Statement in full so you'll be confident that you're getting the right amount of cover for your trip.

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

Is Tick Travel Insurance good?

Yes, Tick Travel Insurance can be a good option for many types of travellers. You'll find some generous benefit limits and nice-to-have extras with its top-tier policies. You'll just need to make sure you review the PDS to make sure Tick will cover you for everything you've got planned on your trip.

What is the Tick Travel Insurance phone number?

You can contact Tick's emergency assistance line on +612 9333 3963 and general enquiries can be sent to [email protected].

What is Tick's cancellation policy?

Tick Travel Insurance has a 14 day cooling off period. As long as you have not begun your trip or made any claims, you can cancel your policy during this time and receive a refund.

Cancellation after this 14 days period is still possible but will be a refund of the proportion of the premium for the outstanding period of cover less any government charges and taxes that Tick cannot recover.

Cristal Dyer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share.

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58 Responses

We are going on a cruise around the greek islands in September, but I cannot find a quote for overseas now. We are in Australia

Travel insurance continues to change due to the pandemic. You could reach out to Tick directly to inquire about the current availability of their international policies.

Or to explore more options, you can review the brands on our main travel insurance page.

Regards, James

When will Tick recommence international travel insurance ( to Thailand)

Hi Christos,

As you’ll know, certain restrictions have been imposed on international travel and these are rapidly changing. That’s had a major impact on travel insurance policies.

You can reach out to Tick directly to enquire about this further.

Alternatively, compare your options on our guide to COVID travel insurance .

I hope this helps.

Best, James

I’m going on a cruise to New Zealand. I declared my pre-existing medical condition but they didn’t charge me a premium for it but I got a medical number from Tick. Is this correct?

Thanks for getting in touch with Finder. I hope all is well with you. 😃

Regarding your question, Tick Travel Insurance generally assesses pre-existing medical conditions on a case by case basis. They might have considered your condition as mild and don’t need additional premium to get covered.

If you need to confirm with them, you can also get in touch with Tick just to be sure.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day!

Cheers, Joshua

I have a holiday in Fiji booked for March of next year and my friend can no longer come with me. I am 70 years old and am not able to go on that holiday alone. It looks like I will have to cancel, can I get any of my money back?

Hi Patrica,

I’m sorry to hear about your need to cancel your holiday trip.

Regarding your question, if you are asking if you can cancel your Tick Travel Insurance policy, the answer is yes. However, please note that you need to cancel your policy within the 14 day cooling off period following any purchase.

However, if you are asking if you can cancel your trip and get a refund from your bookings, that would depend on your provider. Best is to get in touch with your provider in this case. Moreover, if you cancel your trip, Tick Travel Insurance policies can cover the money you will lose as a result.

Is ambulance cover included in your travel insurance policies?

Thanks, Karen

Thank you for getting in touch with Finder.

Under Tick Travel Insurance’s Medical and Hospital benefits, they will cover ambulance cost if you need that as part of the medical treatment while overseas. For more info on what you will be covered, please reach out to Tick Travel directly.

Thank you and have a wonderful day!

Cheers, Jeni

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Tickinsurance   Reviews

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Shocking service

Shocking service. Paid for the policy on the 6th April. No documents sent. Multiple emails....two phone calls totalling over one and a half hours and still no policy. Told that I would have it within 24hrs. Still waiting. Called up to cancel. The attitude of the person on the phone should be looked at. Do not use this company! Do not waste your time or money. Now I have been told that the company will manually refund me within 7 days, but it will take up to five days after that. Asked for email confirmation, and told that a request has been sent. I have been waiting a week since the last request was sent. Do not use. Do not use. Do not use.

Date of experience : 18 April 2024

Terrible, avoid at all costs!

I took out my travel insurance for a trip from Perth to Brisbane in early January 2024. Following cancellation of my return flight from Brisbane to Perth by the airline, I contacted Tick insurance for approval to purchase a replacement ticket which was granted. On returning home, I lodged a claim and Tick have been terrible with late responses and finding excuses to not provide an outcome to my claim for the last four weeks. It is now in the fourth week and still no final decision from Tick regarding the claim and promises to return calls and provide feedback are not met at all. If there was a zero rating, I'd have given that!

Date of experience : 19 February 2024

Beware, claim process and condtions =worthless

Never Again, Policy effectively Worthless. Bought policy and have used them some 7 times but never made a claim. Unfortunately, my trip was cancelled due to lack of numbers and consequently made a claim for my airfares and hotel accomodation. My travel provider gave me my deposit back and Singapore airlines refunded all taxes and admin .charges. I made a claim on the policy and provided all the necessary documentation. Told it would take 2/5 days. Then the fun started and I spelt a rat, no response, so I stared to chase things up ,but was fed information was going to assessor, then later management . I kept querying and no immediate answer. After feeling frustrated I sent off another polite and accomodating email asking ( 14 March 24) for a time line or asking if my documentation was sufficient or lacking. This afternoon , 15 March 2024, I received an email with an attachment dated "26th February 2024' rejecting my claim under certain provisions of the PDS. Simply you need to be either dead, accident, family death....... before any payment. It does provide for cancellation even though the Web sign up provides the appearance of cover. The lack of professionalism and business practice with regards to timing , what was the hold up, I made many enquires but you left me like a cat sitting on a hot tin roof. Never again with Tick Travel Insurance and as we all know with car and household insurance the fighting one has to do is endless to make a claim. After many months/years many unfortunates never have a satisfactory resolution. I have learnt my lesson but I hope my experience will educate others of Tick Travel Insurance.

Date of experience : 15 March 2024

Warning ⚠️ this company will accept your…

Warning ⚠️ this company will accept your money and then not accept liability. 5 weeks so far for our claim to be rejected 3 times. It cost us thousands of dollars to get back to Australia from Bali after I collapsed from double pneumonia and now we are in financial trouble. They process the claim overseas (apparently) and now say I don't qualify!!! Or don't have enough documentation to prove my claim...or..get this.. purchased it overseas ...can't find our policy etc, etc.

Date of experience : 31 October 2023

Waste of money

Avoid this insurance - genuine claim made for cancelled flight, claim denied for car hire expenses that were necessary to get home. Read the PDS - you will find it doesn't cover most unplanned events. Waste of time, waste of money, Will never purchase again.

Date of experience : 07 July 2023

Very poor and slow communication. They denied my claim on a technicality which was valid strictly reading the PDS. but it meant that the insurance was effectively worthless. Our flights were delayed >12 hours and we needed to get home for work. After calling the Tick helpline and them confirming I should be able to “make a claim” (note the weasel words), I rebooked onto more expensive flights to get us home on time. Claim denied. Avoid Tick.

Date of experience : 05 January 2023

Terrible! Don’t go there.

Terrible. Bought insurance. Can’t get into my account to review documents. They won’t respond to my emails. Sent a complaint in- no response. Don’t go there people!

Date of experience : 30 September 2023

Why bother having insurance?

Tick refused to cover cancelled transport tickets on the basis that I was stuck in Norway but our government had declared it a No Travel zone! Errr..hello?! I was travelling when the pandemic struck, that's what travel insurance is supposed to be for. Their letter said (and yes, the poor grammar is repeated in their very confusing policy wording too, which makes no mention of pandemics...): "Your original trip was through a country or area included on the list of countries not recommended by the Australian Government through the smart traveller website on 18 March, your claim falls under the general exclusion applicable to all sections of the policy. Therefore, we unfortunately cannot cover your prepaid expenses."

Date of experience : 09 November 2020

Beware of the Tick scam!!!!

I found this travel policy which I purchased with Tick to be a total waste of money. My luggage was recently lost by the airline whilst travelling. I had originally purchased the most premium of Tick's insurance policies, however when I contacted their claims department, the only items that they told me that they are prepared to reimburse me for is for essential clothes and toiletries. The stipulation was that all non-English receipts need to be officially translated. The thing is that I can buy some basic clothing for less than $100 Euros but will spend 3 times as much in getting all invoices translated. So basically it will cost me more money to lodge a claim. I will also not be reimbursed for the laptop which I kept in my suitcase. I am therefore cutting my losses and will cut short my trip and return early as it's simply going to be too expensive to both holiday and replace my lost items. By the way, Tick will not cover the cost associated with my change of ticket request. Despite having top cover and being insured for delayed baggage, personal belongings, and cutting my trip short, Tick have simply broken all the rules and not interested in looking at looking at my claim. I will not use Tick again and I don't recommend them. Please avoid at all costs. The Tick brand has no value and seems to be a complete scam

Date of experience : 07 August 2023

Avoid at all cost! REVIEWS ARE FAKE!!!

Avoid at all cost, online claim form did not work. Manual application through emails back and fourth for 1-2 months over 100 emails. No response, they try not to pay you out or help you. Multiple claims officer working on your claim, confusing and purposely mixing it up. About 5 people replying to your email with no clue, trying to confuse you so you can back out. Asking for extra extra documents when you're already back in your country. While it was happening i've asked them to send me a list of documentations i need to fill out or have to process this claim. I've submitted everything on the list and they're still avoiding me!!! I am still fighting my case, will not rest until my claim has been processed. DODGY!!! Dad was in hospital, they hung up on me didn't return my calls, didn't help or even show their concern. Please avoid!! It's all fake reviews. This is a real review, please stick to the 3 big names !!! I made a mistake and i regret it so much.

Date of experience : 28 December 2019

Two family members died but insurer still refused to reimburse additional expenses

We bought the most comprehensive (and expensive) single trip top cover travel insurance from Europ Assistance Australia (trading as Tick Travel Insurance) for our June/July 2023 trip to Budapest, Hungary and the Azores, Portugal. When one family member suddenly died in June we cancelled our non-refundable Brussels Airlines flight to the Azores and made a claim for curtailment (cutting short your trip) and additional emergency expenses. However, the insurer refused to reimburse $1254.99 in lost airfares. A second family member suddenly died in July, forcing us to cancel and postpone our non-refundable Finnair return flight to Brisbane, Queensland. We once again claimed for curtailment (cutting short your trip) and additional emergency expenses. However, the insurer once again declined to reimburse our $3149 in unused flights. As it stands we lost $4403.99 due to unexpected deaths in our family. However, neither Europ Assistance Australia nor its head office in Paris, France reimbursed us. This happened despite their product disclosure statement (PDS) promising to pay accommodation, meal, phone and travel expenses above what we originally budgeted for if a relative dies in Australia at the time of trip interruption. In this case we should have been reimbursed $4897.81 in extra Lufthansa flight expenses between Budapest and Lisbon as well as $1920 in additional Finnair airfare rebooking fees. Europ Assistance still owes us $6817.81. We raised the matter to internal dispute resolution but the insurer refused to settle. We then escalated the complaint to the Australia head of insurance, and entire executive committee, but they all declined our claim. We finally brought the matter to the Europ Assistance head office in Paris, France but neither the Asia CEO nor entire media relations team ever responded. Throughout the whole claims process we were repeatedly provided with the wrong claim forms, incorrect/misleading information and even ignored. This was definitely not what we expected after paying top-dollar for the best possible travel insurance money can buy with all of the bells and whistles included. The level of service Europ Assistance delivered was extremely disappointing in our tragic circumstances. We are shocked to learn the Australia head of insurance still has his job. We are also surprised that the Paris head office never launched a formal investigation into the handling of our claim numbers M058682.15 and M059027.49 and M061360.39 and M058989.58. We would like a written apology from Europ Assistance and to receive the $6817.81 it still owes us according to the insurer's own PDS.

Date of experience : 20 September 2023

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Travel insurance

Tick Travel Insurance Top review

One trip policy..

This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how common it is for consumers to bring a travel insurance dispute to AFCA about them.

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

Maximum age for dependants listed on the policy. In years (up to and including the number stated).

Does the policy list pre-existing medical conditions that are automatically covered.

Does the policy cover pre-existing medical conditions that are not listed as automatic cover on the policy (on application and subject to approval)

The lower the number, the better. It's the time period before booking your trip that a medical condition would be covered if you've had no symptoms,  medication or treatment (as long as that condition isn't specifically excluded). If for example, your condition last showed symptoms 18 months ago, but the time period here is 12 months, then you'll be covered subject to the other conditions of the policy.

Are claims covered that arise from pregnancy or pregnancy complications?

Until which stage pregnancy is covered for single births (up to and including).

Are medical costs covered for the mother if childbirth occurs up to the maximum pregancy stage

Limit for medical and emergency evacuation and repatriation expenses for illness or injury.

Expenses for an accompanying person such as a member of the travelling party, a friend or a close relative (not necessarily listed as insured on the certificate of insurance) to travel to the sick policyholder overseas, remain with them in hospital and accompany them home during an emergency repatriation.

Daily hospital cash allowance per person.

Minimum number of hours the insured must be continuously hospitalised before receiving the hospital cash allowance.

Limit for dental as a result of an accident.

Limit for dental as a result of sudden and acute pain.

Limit for overseas funeral costs and the return of mortal remains per deceased person, in the event of the death of the policy holder. There may be a separate limit for 'return of mortal remains' and 'overseas funeral costs', so check the policy terms for more details.

Limit for additional accommodation and travel expenses if the policy holder cannot travel due to injury or sickness.

The limit for additional travel expenses per person if travel is interrupted by an insured event (not including injury or sickness as that is covered separately under 'Additional travel expenses for injury or sickness'). Cover is assessed on individual circumstances.

Whether the policy covers you for additional travel expenses per person if travel is interrupted due to a lost or stolen passport or travel documents. Cover is assessed on individual circumstances.

Whether or not the policy covers you for additional accommodation and travel expenses if you need to curtail travel due to the serious illness or injury of a relative at home. May be subject to assessment of pre-existing conditions for the relative.

Limit for resumption of a journey interrupted due to the serious illness, injury or death of a relative. May be subject to assessment of pre-existing conditions for the relative. Check the policy terms for more details. 'Cancellation cover chosen' means variable cover options are available.

Whether the policy covers you for cancellation or amendment expenses.

Limit for cancellation or amendment expenses. 'Cover chosen' means variable cover options are available.

Limit for cancellation expenses for transportation bought using frequent flyer points.

Limit for travel agent cancellation fees.

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.

Whether the policy covers you for cancellation expenses due to insolvency of a travel agent. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to unexpected/involuntary retrenchment. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for members of the Defence Force and Federal, State or Territory Emergency Services. Cover is assessed on individual circumstances.

Whether the policy covers you for cancellation expenses due to cancellation of pre-arranged leave from work for non-emergency services occupations. Cover is assessed on individual circumstances.

Are stolen or damaged personal belongings covered

The overall limit for stolen or damaged personal belongings.

Limit for a single unspecified item.

Limit per item for a video or photo camera. Cover is assessed on individual circumstances.

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

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

Limit for any prescribed medications. Cover is assessed on individual circumstances.

Overall limit for specified items, available for an extra premium. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight during the day. Cover is assessed on individual circumstances.

Cover for belongings locked in a luggage compartment of a car out of sight overnight. Cover is assessed on individual circumstances.

Cover for valuables such as laptops, tablets, mobile phones, jewellery or cameras locked in the luggage compartment of a car. Cover is assessed on individual circumstances.

Cover limit per person for lost or stolen cash. Cover is assessed on individual circumstances.

Overall limit for a single person for baggage lost temporarily. Cover is assessed on individual circumstances.

The minimum period of time in hours before which cover applies for temporarily lost baggage. Cover is assessed on individual circumstances.

Limit for additional travel expenses to reach a special event such as a wedding, conference or sporting event on time if the scheduled transport is cancelled or delayed.

Limit for additional travel expenses to reach pre-paid travel arrangements on time if the scheduled transport is cancelled or delayed. Cover is assessed on individual circumstances.

Whether the policy is automatically extended if your journey is extended due to unforeseen circumstances.

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

The minimum number of hours before transport delay is covered. Cover is assessed on individual circumstances.

Limit per person per 24-hour period for this transport delay. Cover is assessed on individual circumstances.

Is the collision damage excess for a hire car covered?

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

Does the policy cover cancellation and additional expenses for claims due to transport incidents like mechanical breakdown and accidents?

Does the policy cover cancellation and additional expenses for claims due to strikes?

Does the policy cover claims due to mental health illness experienced for the first time on the trip, and not classified as an ongoing or existing medical condition?

Does the policy cover claims due to COVID-19?

Does the policy cover claims due to pandemics other than COVID-19?

Does the policy cover claims due to natural disaster?

Does the policy cover claims due to civil unrest?

Does the policy cover claims due to terrorism?

Does the policy cover claims due to war?

Average rating

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Tick Insurance Reviews Reviews

Tick Travel Insurance provides fast, affordable travel insurance, so you can tick one thing off your list when it comes to planning your next holiday. Policies are available to Australian residents under 100 years of age. Dependants travel for free with parent or grandparent. Their 24/7 emergency assistance is provided by Mapfre assistance and they are underwritten by Mitsui Sumitomo Insurance Company.

Customer Experience

Claims experience, value for money.

This insurance is useless Do Not Purchase

After 40 yrs of worldwide travel I finally needed it when I collapsed in Bali from double pneumonia. ...  Read more

After 40 yrs of worldwide travel I finally needed it when I collapsed in Bali from double pneumonia. They are refusing to pay and I am still 'being reviewed '. After 5 weeks and much distress we are out close to $20 thousand AUD...I bought it through Insureandgo.com. don't buy online..... [email protected]

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DO NOT use this company

We used this company recently and had to use their services ( never had to in the past) the process t...  Read more

We used this company recently and had to use their services ( never had to in the past) the process took so long, there was never any understanding to any of what we had informed them and wanted a receipt for every item missing. This is not usually possible as some items were gifts, one item we had purchased from duty free on the flight over and the receipt was in the bag. Absolute waste of time and money, be warned they're not in it to help at all but for themselves. NEVER again.

1 comment on this review

Do not use Tick - terrible

Tick Travel Insurance took over 5 weeks to reject a simple delay of travel claim. Reasonable expectat...  Read more

Tick Travel Insurance took over 5 weeks to reject a simple delay of travel claim. Reasonable expectation that if your flight is delayed/cancelled it would be covered but fine print says only return trips covered and cutting a trip short does not cover this either.

They DO NOT PAY when something happens

To make a claim, you need "ALL ORIGINAL receipts as a proof of ownership/value for the items that you...  Read more

To make a claim, you need "ALL ORIGINAL receipts as a proof of ownership/value for the items that you intend to claim - Unfortunately, as per the PDS we cannot accept photographs". I don't think many people would have ALL ORIGINAL receipts of their luggage

TICK INSURANCE IS A SCAM

it may seem like a cheap insurance- but it is so much paper work, they take ages and its a $200 exces...  Read more

it may seem like a cheap insurance- but it is so much paper work, they take ages and its a $200 excess!!! Absolutely not worth it!

Travel Insurance

We had a good experience with Tick travel Insurance, made a small claim on our last trip with no prob...  Read more

We had a good experience with Tick travel Insurance, made a small claim on our last trip with no problems and have used Tick travel insurance again for our next trip coming up.

Helpful staff and good value cover

I had to postpone my travel back to Australia due to getting sick in the US. Once I got in touch with...  Read more

I had to postpone my travel back to Australia due to getting sick in the US. Once I got in touch with Tick and telling them about my changed travel plans, they were kind enough to extend my cover by a week and told me to get a medical certificate that proves my condition. After getting back to Australia, I lodged a claim to recover some of the extra hotel/flights costs that I had to pay for myself, whilst being sick overseas. To my surprise, I almost got a full refund minus the excess obviously ($200). The claiming process took a bit long as it's all paper based and sort of manual via emails, but overall, I am very happy with Tick and I will arrange a cover with them next time again.

Avoid at all costs!

I took out a policy with Tick, went to hospital in Thailand in July & made a claim. They wanted a...  Read more

I took out a policy with Tick, went to hospital in Thailand in July & made a claim. They wanted a ridiculous amount of paperwork (flights, accommodation, expenses etc.). I provided them with everything & in late August they approved my claim. It’s now mid September & they never sent me a refund. They are now not replying to my emails anymore. These guys are a complete scam. Avoid at all costs!

Shouldn't be able to continue business

This so called insurance outfit are no good, I've had no correspondence in regards to my claim. RIP ...  Read more

This so called insurance outfit are no good, I've had no correspondence in regards to my claim. RIP OFF! Business needs to be audited and shut down

AVOID, PROVIDE FALSE INFORMATION AND DENY CLAIM

Airline stranded us due to cancelled flights, spoke to Tick insurance who confirmed I can book altern...  Read more

Airline stranded us due to cancelled flights, spoke to Tick insurance who confirmed I can book alternative flights and they will cover these. Submitted claim once got home using alternative flights and all they covered was 20% of meals and accomm. Absolute disgrace, no chance am I ever using TICK again. Will be reporting them to AFCA

I got a quote online. Received an email with price and link. Top international insurance with extras....  Read more

I got a quote online. Received an email with price and link. Top international insurance with extras. Link was valid for 2 weeks (from their email). Next day clicked on the link to pay- price is over $100 higher! Emailed them, they said- oh, well... Called- same answer. Escalated, spoke to a 'manager'- no explanation why is it, no desire to rectify... Very dissapointing!!! Of course went with some other insurance....

AVOID THIS COMPANY

This company screams dodgy. I purchased travel insurance through them and then received an email...  Read more

This company screams dodgy. I purchased travel insurance through them and then received an email asking to submit a review on my experience. (you literally haven't done anything, but explains how they have some good reviews on here) One of my flights got cancelled etc, so I logged in to submit a claim. Portal just goes to an error message page. this kept happening for the new few days. I finally emailed them on two occasions and have not heard a peep back. AVOID this company.

Tick Insurance FAQ

How many people can i include in my policy.

The more the merrier right? Tick allows you to buy a policy up to 10 adults online.

Am I covered if I go on a cruise?

Yes you are. Here’s a top tip: Even if you’re travelling in Aussie water you still need to pick pacific.

Am I covered for skiing and my equipment?

Yes as long as you pay for their winter sports package. You’re covered for unlimited medical evacuation from the slopes, $600 for your pre-booked Lift Passes and Ski Packs and $1,250 cover for damage to your winter sports equipment.

Can I pay to reduce or cancel my excess?

Yes if you pay an additional premium with their excess eliminator when you purchase your policy.

Am I covered if my tour company collapses?

Yes, they cover for the financial default of a travel insurance service provider. T&C's apply.

I’m not an Australian resident- can I buy cover?

No, only available to residents.

What size moped or motorbike am I covered to ride overseas?

No limit on bike engine size, however different conditions apply to bikes over 250cc and more.

How long is their single trip cover for?

Can i extend my policy from overseas.

Having too much fun? No problems! You can extend your policy as long as your initial policy has not expired. Just give them a call on 0293333964.

Do they cover for my rental vehicle excess?

Yes, for up to $4000 in their Top policy.

What is their cooling off period?

Who underwrites them.

This insurance is underwritten by Mitsui Sumitomo Insurance Company, Limited, ABN 49 000 525 637, AFSL 240816. Mitsui Sumitomo has appointed Mapfre Insurance Services Australia Pty Ltd, ACN 140 219 594 (Tick Travel Insurance) as its authorized Representative to deal with this insurance product.

Where are they based?

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590.  Located at Level 12, 338 Pitt Street, Sydney, NSW 2000 Australia.

For further information view our FSG and Terms of Use . Contact us by calling 1300 659 411.

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11 Best Travel Insurance Companies in April 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

Tick Travel Insurance

Important information on terms, conditions and sub-limits.

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 on their currently available policies.

About Tick Travel Insurance

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

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.

• 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

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 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 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. 

Are pre-existing medical conditions covered under Tick Travel Insurance’s travel insurance?

Tick Travel Insurance does not automatically cover any medical conditions in their international travel insurance policy. However, you can gain coverage 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 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? 

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 claims, 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 at 02 9333 3965, email them at [email protected] , or head to Tick Travel Insurance’s online claims portal.

Tick Travel Insurance customer reviews

Tick travel insurance travel insurance.

Overall 1.3

Value for money

Policy coverage

Customer service

Claims handling

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

Tick Travel Insurance Travel Insurance review

Overall rating   1 / 10

Green Tick Travel Insurance: Disastrous Experience

My recent encounter with Green Tick Travel Insurance has left me deeply disappointed and frustrated. Despite purchasing top cover, including 24-hour medical assistance, the company has not only failed to pay our claim over two months after the...

Full review

My recent encounter with Green Tick Travel Insurance has left me deeply disappointed and frustrated. Despite purchasing top cover, including 24-hour medical assistance, the company has not only failed to pay our claim over two months after the event but has also shown a complete lack of assistance during our time of need. This review aims to shed light on the abysmal service provided by Green Tick Travel Insurance, cautioning potential customers to think twice before entrusting their travel safety to this company. Unfulfilled Promises: One of the main reasons we chose Green Tick Travel Insurance was their promise of comprehensive coverage and round-the-clock medical assistance. However, when I found myself in a dire situation, their response was far from what we expected. I required timely medical assistance, needing to access urgent services, including a medical evacuation. We had requested preauthorisation and, it became evident that their claims of providing assistance were nothing more than empty words. Could not get a timely response and therefore had to pay significant costs upfront for potentially lifesaving treatments. We were fortunate to have access to a credit card and funds via family back in Australia to cover up front costs. Lack of Payment:To add insult to injury, Green Tick Travel Insurance has not yet paid out our claim, despite the fact that we held what we believed to be top cover. Their lack of transparency and failure to pay out our claim in a timely manner is not only disheartening but also raises serious questions about their integrity as an insurance provider. It is clear that their commitment to their customers’ well-being is nothing more than a façade. We have since been asked to fill out form after form and answer not applicable questions. Unhelpful Customer Service:When we finally managed to reach their customer service department, we were met with unhelpful and dismissive attitudes. Instead of addressing our concerns and providing the assistance we desperately needed, they seem more interested in deflecting blame and avoiding responsibility and have since stopped replaying to emails and despite numerous requests have not returned out calls. This complete disregard for customer satisfaction is utterly unacceptable and reflects a lack of professionalism on their part. Conclusion:My experience with Green Tick Travel Insurance has been nothing short of a nightmare. Their failure to fulfill their promises, refusal to pay our claim, and unhelpful customer service have left me with a bitter taste in my mouth. I strongly advise potential customers to steer clear of this company and explore other options for their travel insurance needs. Green Tick Travel Insurance has proven itself to be unreliable, unworthy of our hard-earned money and untrustworthy to take care of travel insurance needs.

Value for money   1 / 10

Policy coverage   1 / 10

Customer service   1 / 10

Claims handling   1 / 10

Trust   1 / 10

Jarrod, Victoria, reviewed 4 months ago

Don't fall for the Tick scam!!

I found the travel insurance policy which I purchased with Tick to be a total waste of money. My luggage was recently lost by the airline whilst travelling. I had originally purchased the most premium of Tick's insurance policies, however when I...

I found the travel insurance policy which I purchased with Tick to be a total waste of money. My luggage was recently lost by the airline whilst travelling. I had originally purchased the most premium of Tick's insurance policies, however when I contacted their claims department, the only items that they told me that they are prepared to reimburse me for is for essential clothes and toiletries. The stipulation was that all non-English receipts need to be officially translated. The thing is that I can buy some basic clothing for less than €100 Euros but will spend 3 times as much in getting all invoices translated. So basically it will cost me more money to lodge a claim. I will also not be reimbursed for the laptop which I kept in my suitcase. I am therefore cutting my losses and will cut short my trip and return early as it's simply going to be too expensive to both holiday and replace my lost items. By the way, Tick will not cover the cost associated with my change of ticket request. Despite having top cover and being insured for delayed baggage, personal belongings, and cutting my trip short, Tick have simply broken all the rules and not interested in looking at looking at my claim. I will not use Tick again and I don't recommend them. Please avoid at all costs. The Tick brand has no value and seems to be a complete scam

Mario, Victoria, reviewed 9 months ago

Terrible experience with tick insurance

My father in law passed away in Germany 5 days prior to my flight back to Australia. Tick insurance rejected my claim for cancelled airfares - which I had to cancel for obvious reasons - due to the death being in Germany, not Australia. This feels...

My father in law passed away in Germany 5 days prior to my flight back to Australia. Tick insurance rejected my claim for cancelled airfares - which I had to cancel for obvious reasons - due to the death being in Germany, not Australia. This feels like a loophole they are using to avoid a very legitimate claim. I shouldn't be surprised, I guess, but this is not what I would have hoped for with the top level of cover and is certainly not what I needed at this time.

Value for money   8 / 10

Customer service   4 / 10

Claims handling   5 / 10

Chris, South Australia, reviewed 9 months ago

Discourage, Delay , Deny was my Travel Insurance

Tick Insurance has it covered ..... you sort of. For example be aware that if you make a lost baggage claim you will require proof of ownership, which means a receipt for each and every item in your baggage that you wish to claim for and then...

Tick Insurance has it covered ..... you sort of. For example be aware that if you make a lost baggage claim you will require proof of ownership, which means a receipt for each and every item in your baggage that you wish to claim for and then these items are subject to a depreciation schedule.. In your PDS page 50 " proof of ownership" to be read in conjunction with page 27 section E1 personal baggage Medical Claim be aware you will need to provide a copy of your outward and inward flight itineary, medicare number, receipts for medical expenses claimed along with a copy of bank credit card statement showing payment for items claimed. Most importantly you will need a medical certificate from your doctor ouitlining your "exact" diagnosis and without this your claim will be rejected as in my case and this took 29 days from when the claim was lodged until I was advised of my rejected claim. Worth asking about alchohol tolerance if any as this information is available to your insurer via hospital blood test so worth knowing if your insurance is still with you. Tick unbelievably has award winning rating mainly based on competitive pricing and the level of apparent inclusions.... how would your baggage claim work for you

Customer service   2 / 10

Peter, Western Australia, reviewed 10 months ago

AVOID THIS COMPANY

AVOID THIS COMPANY This company screams dodgy. I purchased travel insurance through them and then received an email asking to submit a review of my experience. (you literally haven't done anything, but explains how they have some good reviews...

AVOID THIS COMPANY This company screams dodgy. I purchased travel insurance through them and then received an email asking to submit a review of my experience. (you literally haven't done anything, but explains how they have some good reviews on here) One of my flights got cancelled etc, so I logged in to submit a claim. The Portal just goes to an error message page. this kept happening for the new few days. I finally emailed them on two occasions and have not heard a peep back. AVOID this company.

Natasha, Victoria, reviewed over 1 year ago

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