tick travel insurance trustpilot

• Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

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.

• Best Comprehensive Travel Insurance
• Best Seniors Travel Insurance
• Best Cruise Travel Insurance
• Best Domestic Travel Insurance
• Travel Insurance Cost
• Pregnancy Travel Insurance Guide
• Travel Insurance For Bali
• Travel Insurance For Fiji
• Travel Insurance For The USA
• Travel Insurance For Thailand
• Travel Insurance For New Zealand
• Travel Insurance For Japan
• Travel Insurance For Europe

More from  

Best student travel insurance, travel insurance and covid: are you covered, top travel insurance tips for australians, our pick of the best comprehensive travel insurance providers in australia, do frequent flyer points expire, travel insurance for canada: what you need to know before you go.

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.

• Onlia Insurance Review: Is It Legit?
• Is 24PetWatch Pet Insurance Legit?: Unveiling the Facts and Assessing the Credibility
• Is Tivly Insurance Legit? A Comprehensive Guide
• Is Insurance Service Center Legit? A Comprehensive Guide

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.

Share this:

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.

Destinations

• 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.

Add kids under the age of 1 by typing a “0” 0 traveller(s)

Include travel deals and helpful personal finance content from Finder

By submitting this form, you agree to our Privacy & Cookies Policy and Terms of Service

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. See full profile

More guides on Finder

The best travel insurance policies are different for each individual traveller.

Compare Travel Insurance Direct policies online to save time and money. Travel Insurance Direct offers various policies including Annual multi-trip, The Works, The Basics and Domestic travel.

If time is valuable to you, Travel Insuranz may be suitable for you. With its fast online processing process, Travel Insurance provides easy access to protecting yourself for travel. Read its policy online.

Compare Travel Insurance Saver with other policies to see if they are right for you.

Find out how travel insurance for trip disruption actually works and policies from Australian brands.

Find out how travel insurance covers accidental death and what will be paid from in the event of a claim.

Beware when swimming at Byron, Ballina, Bondi and Bells.

Learn more about travel insurance brokers, how they are paid and the way they can help you find comprehensive travel cover.

Is travel insurance a worthy investment? Find out why travel insurance is an invaluable travel item.

Guide to high-risk travel insurance: What is and isn't covered.

Ask a Question

Click here to cancel reply.

You are about to post a question on finder.com.au:

• Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
• finder.com.au is a financial comparison and information service, not a bank or product provider
• We cannot provide you with personal advice or recommendations
• Your answer might already be waiting – check previous questions below to see if yours has already been asked

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

How likely would you be to recommend finder to a friend or colleague?

Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.

Important information about this website

Advertiser disclosure.

finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles

We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.

Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.

How we make money

We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.

Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.

Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money .

Sorting and Ranking Products

When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.

Terms of Service and Privacy Policy

Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

Is Tick Travel Insurance Legit? Exploring Its Legitimacy

Tick Travel Insurance stands out as a prominent player in the Australian travel insurance landscape, providing a diverse array of coverage options for both local and international journeys.

Recognized for its outstanding value, Tick Travel Insurance secured the Mozo Experts Choice Award for Exceptional Value Basic Travel Insurance in both 2020 and 2021.

Additionally, the company boasts an impressive track record with over 10,000 positive reviews from satisfied customers on Trustpilot.

This article aims to delve into the features, advantages, exclusions, and limitations of Tick Travel Insurance.

Furthermore, we will conduct a comparative analysis with other well-known travel insurance brands currently available in the market.

Alongside these evaluations, we’ll offer valuable insights and strategies on securing the most favorable deal and maximizing the benefits of your travel insurance policy.

Table of Contents

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, a subsidiary of the global Generali Group, operates under Europ Assistance Australia Pty Ltd, registered with ASIC (ABN 76 152 337 2671) and authorized to provide general advice on insurance products under AFSL 4119131.

Tick Travel Insurance policies are underwritten by underwriters at Lloyd’s, the world’s leading insurance marketplace, regulated by PRA and FCA in the UK and licensed in over 200 countries and territories.

Financial Stability and Underwriting

Tick Travel Insurance benefits from robust financial support provided by its parent company, Generi Group, and the underwriters at Lloyd’s.

Generi Group, a global insurance giant, recorded a total revenue of €69.7 billion and a net income of €2.1 billion in the year 2020, solidifying its position as one of the largest insurance groups globally.

Boasting a credit rating of A+ from Standard & Poor’s and A1 from Moody’s, Generi Group exemplifies financial stability and strength in the insurance industry.

Lloyd’s, a venerable insurance market with roots dating back to 1688, is highly regarded for its longstanding presence and reputation.

Lloyd’s maintains impressive credit ratings, including A+ from Standard & Poor’s, AA- from Fitch, and A from A.M. Best, attesting to its financial soundness and reliability.

As of December 2020, Lloyd’s demonstrates a robust capital position, featuring a central fund amounting to £3.5 billion and a market-wide solvency ratio of 147%, further reinforcing its financial resilience.

Customer Satisfaction and Claim Settlement

Tick Travel Insurance has garnered positive reviews, boasting over 10,000 with a 4.6 out of 5 rating on ProductReview.com.au.

Customers praise its competitive rates, user-friendly setup, and efficient customer service.

The online claims portal is commended for its simplicity, with a quick resolution of most claims within 1-2 months.

Additionally, over half of submitted claims have been approved, demonstrating the company’s commitment to customer satisfaction.

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:

• Customers praise Tick Travel Insurance for competitive rates, easy setup, and efficient customer service.
• Appreciation for coverage options and the ability to balance costs with coverage.
• Reports of quick and fair claims handling, with prompt reimbursements.

Negative Aspects:

• Complaints about delays, claim rejections, and poor communication.
• Frustration with the claim process, customer service, and policy terms.
• Issues with the online portal, lack of response from support, and policy exclusions.

Tick Travel Insurance claims

To file a claim with Tick Travel Insurance, choose between the online portal or a manual claim form. The online portal is the quickest option.

Download the relevant form from the website, complete, sign, and email it to [email protected] .

Include necessary documents like receipts and reports with your claim. Keep originals until approval. Contact Tick promptly for assistance, following customer service instructions .

For more details, visit their website or contact them at 1300 349 875 (general inquiries) or +612 9333 3963 (emergency assistance overseas).

Their email address is [email protected].

Who owns tick travel insurance?

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

Europ Assistance, with a presence in over 200 countries, acquired Tick Travel Insurance in 2020.

The policies are underwritten by underwriters at Lloyd’s, the world’s leading insurance and reinsurance marketplace.

Tick Travel Insurance PDS

The Product Disclosure Statement (PDS) outlines the features, benefits, exclusions, and limitations of a travel insurance policy.

It also details terms and conditions, the claims process, and the complaints procedure.

You can access Tick Travel Insurance’s PDS on their website.

Read more: Is Allianz Travel Insurance Legit?

Tick Insurance complaints

Negative feedback or experiences encountered by customers with a travel insurance provider manifest as complaints.

These grievances may encompass issues related to the policy, the claims process, customer service, or the communication practices of the provider.

The complaints often revolve around recurring themes and patterns, including:

• A sluggish, challenging, and inequitable claim process, marked by the provider’s rejection of numerous claims based on exclusions and limitations.
• Subpar customer service characterized by its lack of responsiveness and helpfulness, with the provider failing to adequately address and resolve issues.
• Inadequate coverage within the policy for unforeseen events, such as COVID-19, natural disasters, civil unrest, or personal reasons.
• Problems associated with the online portal, hindering customers from easily accessing or managing their policy or claims.

This article assesses Tick Travel Insurance, evaluating its legitimacy and effectiveness.

We compare it to competitors in terms of pricing, coverage options, customer service, and claim processing.

Additionally, we analyze customer reviews, addressing common concerns and negative experiences.

Leave a Comment Cancel reply

Save my name, email, and website in this browser for the next time I comment.

• Join CHOICE

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

Compare international travel insurance 2024 | choice.

Is Tick Travel Insurance Good? An In-Depth Review

Travel insurance is an essential consideration when planning a trip, whether for business or pleasure. Among the many options available, Tick Travel Insurance has gained popularity in recent years. But is Tick Travel Insurance good? In this article, we’ll take an in-depth look at the company’s offerings, customer reviews, and overall value to help you make an informed decision.

What Does Tick Travel Insurance Offer?

Tick Travel Insurance provides a range of coverage options to suit various travel needs. Their policies include:

• Comprehensive Plan: This plan offers the most extensive coverage, including trip cancellation, trip interruption, emergency medical expenses, baggage loss, and more.
• Domestic Plan: Designed for travellers within Australia, this plan covers trip cancellation, trip interruption, rental car excess, and personal liability.
• Basic Plan: This budget-friendly option provides essential coverage for overseas medical expenses, personal liability, and baggage loss.

The Importance of Comprehensive Coverage

When choosing a travel insurance provider, it’s crucial to ensure that you have adequate coverage for your specific needs. Tick Travel Insurance’s Comprehensive Plan is an excellent choice for travellers who want peace of mind knowing they’re protected against a wide range of potential issues. 

Consider these statistics:

• Unexpected Events:   According to the Department of Foreign Affairs and Trade, approximately 25% of Australians encounter unforeseen events while travelling abroad. This high incidence highlights the importance of having robust travel insurance that can handle unexpected situations, from medical emergencies to trip cancellations.
• Medical Emergency Costs:  Medical emergencies while traveling can be substantial. For instance, the average cost of an overseas medical emergency can reach AUD 10,000. This figure underscores the significance of having unlimited medical coverage, which Tick Travel Insurance provides in its Comprehensive Plan, ensuring that unexpected medical expenses do not financially burden travellers.
• Luggage Issues:  Travel complications often involve luggage issues. Statistics indicate that around 20% of travellers experience lost or stolen luggage during their trips. Tick Travel Insurance addresses this concern by offering up to AUD 7,500 coverage for lost, stolen, or damaged luggage under its Top Policy, providing significant relief in such stressful situations.

Benefits of Tick Travel Insurance:

• Comprehensive coverage options with 4 cover levels—Basic, Budget, Standard , and Top—allow travellers to select a policy that suits their needs and budget.
• All plans cover unlimited overseas medical expenses, including ambulance costs, emergency surgery, medical repatriation, and coverage in the event of death overseas.
• All pre-existing medical conditions are considered when you apply online, especially under the top levels of cover.
• Baggage cover for lost, stolen or damaged luggage up to $7,500 on the Top plan.
• Free coverage for children under 18 when they travel with an insured parent.
• Trip cancellation coverage is up to $20,000 on the Top plan for unforeseen events.
• Coverage for travel delays, trip interruption, rental car excess, and pregnancy up to 30 weeks.
• Affordable premiums start as low as $19 for basic coverage, with the ability to tailor coverage by destination and duration.
• 24-hour emergency assistance for policyholders.
• Simple online claims process with the ability to track claims.

Drawbacks of Tick Travel Insurance:

• Difficult claims process with excessive paperwork requirements.   Customers have reported that Tick requires all original receipts as proof to make a claim, which can be challenging. The claims process involves “so much paperwork” and “they take ages.”
• Poor communication and customer service.  Some reviews mention that Tick is “non-contactable” with “poor communication”. Emails from customers have bounced back, and it can be hard to get in touch with the company.
• Reluctance to pay out legitimate claims.  Despite marketing itself as a budget-friendly option, multiple customers have alleged that Tick is a “scam” and “will not pay you out if you decide to make a claim.” One review states that Tick took over five weeks to reject a simple claim.
• High excesses of $200 on all policies   mean customers need to pay the first $200 of any claim before insurance kicks in, which can raise the real cost more than expected.
• Cheaper policies like Basic and Budget  do not include any COVID-19-related coverage for medical costs or cancellations. Customers need to purchase the more expensive Standard or Top plans for this.
• Some reviews mention difficulty printing policy documents , determining cruise coverage, and getting clear information about pre-existing condition coverage.

Is Tick Travel Insurance Good?

Tick Travel Insurance offers competitive pricing and a range of coverage options suitable for various travellers, including specific coverage for COVID-19 expenses. However, there are notable drawbacks, such as no cover for cruise travel or annual policies, and some customers have reported difficulties with the claims process and customer service . 

While Tick Travel Insurance may be appealing for its affordability and the breadth of its coverage, potential customers should weigh these benefits against the reported service and claims handling issues before making a decision.

Frequently Asked Questions:

Can i purchase a policy if i’ve already started my trip.

Yes, you can purchase a policy after your trip has begun, but there may be a waiting period before coverage takes effect.

Does Tick Travel Insurance cover pre-existing medical conditions?

Some pre-existing medical conditions may be covered, subject to assessment and approval by Tick Travel Insurance.

How do I make a claim with Tick Travel Insurance?

You can make a claim online through the Tick Travel Insurance website or by contacting their claims team directly.

Award-Winning Results

Team of 11+ experts, 10,000+ page #1 rankings on google, dedicated to smbs, $175,000,000 in reported client revenue.

Up until working with Casey, we had only had poor to mediocre experiences outsourcing work to agencies. Casey & the team at CJ&CO are the exception to the rule.

Communication was beyond great, his understanding of our vision was phenomenal, and instead of needing babysitting like the other agencies we worked with, he was not only completely dependable but also gave us sound suggestions on how to get better results, at the risk of us not needing him for the initial job we requested (absolute gem).

This has truly been the first time we worked with someone outside of our business that quickly grasped our vision, and that I could completely forget about and would still deliver above expectations.

I honestly can't wait to work in many more projects together!

Related Articles

View All Post

Career , Featured , Lifestyle

15 of the Best Side Hustles Australia has to Offer in 2024!

What is Lifestyle Marketing?

How has Airbnb affected the Housing Market?

*The information this blog provides is for general informational purposes only and is not intended as financial or professional advice. The information may not reflect current developments and may be changed or updated without notice. Any opinions expressed on this blog are the author’s own and do not necessarily reflect the views of the author’s employer or any other organization. You should not act or rely on any information contained in this blog without first seeking the advice of a professional. No representation or warranty, express or implied, is made as to the accuracy or completeness of the information contained in this blog. The author and affiliated parties assume no liability for any errors or omissions.

What is travel insurance?: How to choose the best cover for a stress-free vacation

If you’ve been longing for a sun-drenched beach holiday or yearning for a cultural city break, then it might be worth considering travel insurance .

Investing in good travel insurance can bring welcome peace of mind and could save you thousands in the long run, not to mention time and stress if the unexpected happens.

Whether you're planning a work trip, solo excursion, or big family adventure, choosing from the wealth of travel insurance companies and plans on offer can be daunting. Here we breakdown:

What travel insurance covers

When you might need it and what type to choose

How cost is calculated and how to pay only what you need

Tips for the best experience with travel insurance companies

Before you pack those bags for your getaway, let’s take an in-depth look at what you need to know about travel insurance.

What is travel insurance?

Travel insurance is a billion-dollar industry where companies fiercely compete to win the top spot. From flight cancellation, delays and property loss to medical and other expenses, the major areas typically covered by travel insurance are:

Trip cancellation: Life throws curve balls at us, and having trip cancellation insurance from an insurer like Mexiplas International could be the crucial safety net you need. It can cover unexpected illness, injury, family sickness and bereavement, potentially reimbursing you 100% on prepaid, non-refundable deposits with ''cancel for any reason’’ coverage.

Medical: This is important insurance for overseas travel as your local health plan may not cover medical treatment. These policies often include limitations and exclusions for preexisting conditions, but cover doctors, hospital, and ambulance bills.

Emergency evacuation or repatriation: Crucial if you're off the grid or traveling to remote locations (think trekking through the Amazon Jungle or climbing Mount Kilimanjaro) where medical care might be hard to find. If you're injured or get sick you’ll need to get to an adequate medical facility ASAP, or a flight home for treatment.

Car hire insurance: Renting a car can bring significant financial risk. Car rental insurance allows you to enjoy your trip worry-free. Check whether insurance includes liability protection. This will pay for damage to other vehicles or medical treatment for others if there’s an accident.

Loss of property: This coverage reimburses you for baggage or personal belongings that are lost, stolen, or damaged during a trip.

Travel delays: Mammoth flight delays and cancellations can mean missed connections or leave you stranded. With insurance, you can be reimbursed for meals, accommodation, and transport expenses.

Accidental death: A worst-case scenario, this insurance pays your beneficiaries a lump sum, supporting them should the worst happen.

COVID-19 travel: A newer type of insurance on offer is COVID-19 travel insurance. Some policies cover you if you contract the virus right before the trip, during your trip, or on your return. Check the small print to ensure you’re getting what you've been promised from your provider.

What travel insurance doesn’t usually cover

Now that we know what your plan can cover, it's just as important to know what isn't covered. Much depends on the policy and insurer you go for. Some features may only be available at an extra cost. Generally, plans don’t cover:

Adventure and extreme sports such as hand gliding, bungee jumping, whitewater rafting, and skydiving. You'll need to buy a special travel policy if you're an adrenaline junkie

Alcohol or drug-related incidents

Carelessness with possessions e.g., leaving them unattended or in plain sight

Recklessness (varies from company to company)

Pre-existing health conditions

Lost or stolen cash

Civil unrest that makes staying in a country unsafe, but your government hasn't announced an evacuation

Pandemics, earthquakes, and acts of terrorism

How much is it?

First things first, think about your destination - what are the risks? Will there be appropriate health care? These are areas that affect the cost of your travel insurance:

Length and cost of the trip: the longer and more expensive the trip, the higher the policy cost.

Cost of local healthcare: high costs at your destination can drive up the price of trip insurance.

Medical conditions: conditions you already have will increase the cost of travel insurance coverage.

Amount and scale of coverage: the more risks a policy covers, the more it will cost.

Your age: generally, the older you are, the higher the price.

How to get the best insurance coverage for you

Before you launch into travel insurance research and sign on the dotted line, check to see if you’re covered already:

Credit cards: Booked a trip or rental car with your credit card? Trip cancellation and car insurance are sometimes included in your purchase. You might need to take out additional insurance to guarantee you’re fully covered for your trip.

Homeowner insurance: See if your renters’ or homeowners’ insurance covers loss of property while on vacation.

Life insurance: Speaking of insurance, dig out your life insurance policy (if you have one) to see if you're already covered for accidental death.

If you’re not already covered then here are some good places to start: 

Travel agents and reservation sites: When you book a flight, hotel, or car through an agent or reservation site you can often add travel insurance. Note though that you usually can't customize it to suit your needs.

Travel insurance companies You could try travel insurance companies like Traveler Assistant Services to find a policy to fit your trip requirements. Check out multiple websites to compare coverage and pricing.

Comparison sites: Using your trip criteria, compare travel insurance policies, provider, and pricing in one place. These sites often show the best travel insurance deals with customer reviews .

Tips for making a claim on travel insurance

Where you go and what you intend to do affect the type of insurance you’ll need. These are common mistakes to avoid to get a quick turnaround when placing a claim:

Don’t exaggerate your claim: Whatever your claim, you want to be reimbursed pronto. Don't embellish the details, it's travel insurance fraud and you don't want to land in hot water. Keep to the facts and get your claim accepted, not denied.

Documentation for loss: Keep all official documentation safe (resort invoices, flight tickets, receipts, medical bills etc.) as you'll need it to back up any claim.

Maximum limits and small print: Sometimes plans aren't as beneficial as they initially appear. Every plan has specific limits for each benefit shown in detail. Triple check them to be on the safe side.

Don't wait to file a claim: Fill in your claim quickly and correctly making sure all copies of your documentation are included, or you may miss out.

How to decide which is best?

Finding the right travel insurance company tailored to your specific vacation requirements can take time. Most claims are paid out with no issue, but it can be easy to fall foul of the small print. You might wind up being palmed off with delay tactics, taking up precious time and energy. So much so, you eventually give up – as some companies hope you will. It’s essential to identify a reputable travel insurance company, one that doesn’t give you confusing messages or the runaround. Seek advice from friends, family, and read reviews like those left on Trustpilot to make sure you find a trustworthy provider.

Travel insurance gives you peace of mind and confidence to experience all this wonderful world has to offer. So dig out your glossy travel guides, and book that trip or adventure of a lifetime. Start planning all the fabulous things you’ve waited so to see and do. Once you’ve researched travel insurance companies and found one that ticks all your boxes, share your experience with other intrepid folk and leave a review on Trustpilot .

Trustpilot is a review platform that is open to all. The companies and profile pages referenced in this article are provided for informational purposes only and are not recommended, endorsed by, or representative of the views of Trustpilot. The Trustpilot companies linked in this post are expected to abide by Trustpilot’s Guidelines , but have not been reviewed for compliance.

Related articles

Understanding auto insurance: Comprehensive, full coverage, and liability explained

Disability insurance: Short-term, long-term, and everything in between

Tick Travel Insurance Travel insurance customer reviews

Overall rating, recent tick travel insurance travel insurance customer reviews.

Tick Travel Insurance Travel Insurance

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 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.

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 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

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 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.

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 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

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 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.

Legitimate claim

Tried to deny payment of legitimate claim which was covered by their PDS. Took 9 months and application to AFCA for them to finally settle.

Scammers/thieves.

I bought cover with the option to cancel three months before COVID hit. I rang to tell them my wedding holiday was cancelled and they told me the cancellation period was 14 days after purchase. They have since told me I qualify for a refund less than 43% of the purchase price because my policy did come into effect for those 14 days. If I had have gone with the policy that didn't allow cancellation they would have offered me a full refund. Avoid at all cost.

Easy to deal with.

Tick insurance have great rates even on the snow add on. Very easy to claim if needed, all sorted in a timely fashion. I would use them again and again.

YOU HAVE BEEN WARNED!

We are elderly and had saved for this trip for some time. Booked and paid with Virgin, and trick Insurance last to November. Despite emailing every possible piece of information that we had been given, including bank statements, it was never enough. So, in frustration I asked for my money ($840) back for no service. Hell no, they are keeping it come what may, and pretend that "sorry, we just can't give it back", as though their hands are tied despite desperately wanting to do the right thing. In my honest opinion a Parisian sewer rat would have more morals than this crowd.

Do Not Insure With Tick Travel Insurance!

I am in a situation of been ripped off due to "Tick insurance". I have logged a claim for a family trip to Vanuatu for a friend's wedding that was cancelled with insurance taken out in 2019 pre COVID-19 for a trip in April 2020. Got the wonderful news months after the claim after extremely poor communication (lack of a phone number to talk to someone, no responses to questions regarding cancellation and long timeframes) that our claim was rejected as credit was offered by the travel company. A credit is all well and good if you can use it! My wife is pregnant with our second child due in Sept 2020, so a trip to a country that has malaria problems with a newborn that cannot take preventative medication until 18 months. In addition our first child would need an extra seat incurring extra cost due to age requirements. This rules any use of these credits out and any suggestion we can use the credit is ridiculous. THIS WAS MENTIONED IN THE CLAIM sent to Tick! I have my suspicions that the claims have not been reviewed fairly or thoroughly due to generic statements in your reply and lack of correspondence. It is appalling that Tick is preying genuine claims and in my case an expecting family. I have lodged an internal dispute hoping that common sense will prevail on Tick's behalf. Unfortunately Tick has not responded within its two week commitment window. After a phone call to the call centre by us, there was a commitment by Tick that we would be contacted within 48 hours, which didn't happen. After a further follow-up call we still cannot speak to anyone but a call centre operator who cannot help us. I will be forced to pursue other means to recover my rightful insurance claim. Extremely disappointed in Tick to say the least! Tick do not have any social media pages, although I have tried to reach out to the parent company. Tick just need to do the right thing that so many other travel insurance companies are doing currently and pay up! Regards, Swindled Tick Customer

Not good, very bad

They don't pay on your policy. Don't waste your money.

go else where

Don't waste your money go with some one else they are no go. They don't pay up on a policy.

They are hopeless, don't go there

Don't trust them, they don't pay up when you claim. They give you a heap of lies as to why. It's a waste of money. Just stay away and money go else where. Don't waste your money.

Poor customer service and hiding behind policy

Spend each week trying to get hold of their customer services only to be promised a call back or email response. Having brought their comprehensive travel insurance I was told they would honour any cancellation claims however, I have found out that their requirements are designed to make any claim almost impossible. The travel agents and accommodation places are not responding to emails and according Tick I need them to provide a cancellation certificate. GotoGate and MyTrips have even disconnected their hot line. I also had a boat trip in Colombia booked and they are not responding. Airlines such as Copa and Interjet will not provide any information saying I need to go travel agents I booked through. It's a vicious circle where travel agents do not respond and Tick Insurance (after getting a response) refuse to pay out on any claim unless they have a formal cancellation certificate. There is no compassion or understanding of the impacts of COVID and being able to get cancellation certificates. I have provided my credit card and bank statements sowing payment, airfare tickets and accommodation bookings all clearly labelled non refundable. Think twice before purchasing Tick Insurance You may think you are covered however, this assumes you are able to get all the information required under their policy which may not be attainable in extreme events such as the COVID pandemic. ---- Since writing the above, TICK Insurance have completely and utterly attempted to frustrate things further with the same requests. The most recent is to get a cancellation notice from the US Department of Immigration to say my Visa application is cancelled. Similar to hotels with a non refundable non cancellation policy, the US Dept of Immigration are not going to cancel nor provide a cancellation notice yet TICK are refusing to cover the costs. I would add TICK customer service could not be this poor. They have made a decision to frustrate claims in the hope their customers give up and go away. Very poor given the circumstances. All I want to be reimbursed for out of travel expenses which are covered under my comprehensive travel policy. How can this be unreasonable? Please re-consider TICK if you are looking at travel insurance. It's a Policy thwart with exceptions and terms which make it impossible claim.

Called me a liar.

I tried to reschedule my insurance today as it was no longer needed due to coronavirus but got told by a customer service rep that I had called the day before to confirm I needed it and it is now too late. Considering I was at work the whole day and have no recollection of doing this they assure me I did, however they can't tell me when I called, who took the message or why I would need insurance for a trip I had cancelled five days earlier. Tried to speak with a manager but they were all too busy so I'm not expecting any joy from this mob. Price is pretty cheap but you get what you pay for I suppose, I won't be using them again and can't recommend them as an insurer.

About Mozo community reviews

Mozo gives you the inside story on the best banking, energy and insurance products as rated by thousands of real customers around Australia. We don't make subjective judgments, nor do advertisers influence our ratings. Although our reviews may be moderated to improve quality standards, they are moderated independently of any of Mozo’s commercial relationships.

Who we are and how we get paid

Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.

We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.

'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.

'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.

Important information on terms, conditions and sub-limits

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Best in Travel Insurance Company

Compare the best companies in this category

1 - 20 of 58 results

What does sorting by relevance mean? Read more

Sorting by relevance shows all companies that are best in a category, ordered by TrustScore and review count. To be eligible, they must actively ask for reviews and have received 25+ in the last 12 months.

TrustScore 4.9 | 24,562 reviews

TripInsure101

TrustScore 4.9 | 3,123 reviews

MexiPass International Insurance Services

TrustScore 4.9 | 1,591 reviews

Travel Defenders

TrustScore 4.9 | 1,211 reviews

CruiseInsurance 101

TrustScore 4.9 | 434 reviews

VisitorsCoverage Inc.

TrustScore 4.8 | 6,055 reviews

Hop! Insurance: Travel, Medical, and Assistance

TrustScore 4.8 | 228 reviews

TrustScore 4.8 | 116 reviews

Golden Rule Travel

TrustScore 4.8 | 43 reviews

Visitors Insurance - Community Insurance Agency, Inc.

TrustScore 4.7 | 966 reviews

Faye Travel Insurance

TrustScore 4.7 | 632 reviews

TrustScore 4.6 | 11,070 reviews

Arch RoamRight

TrustScore 4.4 | 1,688 reviews

Allianz Partners USA

TrustScore 4.2 | 76,507 reviews

Seven Corners

TrustScore 4.2 | 5,221 reviews

Heymondo Travel Insurance

TrustScore 4.2 | 2,138 reviews

TrustScore 4.2 | 555 reviews

Travelex Insurance Services

TrustScore 4.1 | 490 reviews

Travel Insured International

TrustScore 4.1 | 423 reviews

Insured Nomads

TrustScore 4.1 | 141 reviews

Related categories Show all

Recently reviewed companies.

4.2  |  76,507 reviews

I haven't heard from them. I paid for a car , The rental company cancelled the car. They didn't have anymore to rent

4.9  |  24,562 reviews

12 minutes ago

Sylvia and George understood the request, provided clear explanations and were knowledgeable and efficient.

4.9  |  3,123 reviews

2 hours ago

The agent was courteous, professional, and very helpful. Her knowledge of the products was outstanding.

4.1  |  423 reviews

Easy Process

4.7  |  632 reviews

37 minutes ago

I had a great vacation and never had to use the medical insurance that I purchased from Faye.

4.6  |  11,070 reviews

3 hours ago

EASY to use!

4.9  |  434 reviews

5 hours ago

helpful agent and clarity of plans

4.8  |  6,055 reviews

well designed website

4.2  |  555 reviews

10 hours ago

Very good service highly recommended

4.2  |  2,138 reviews

10 minutes ago

Got hurt in Thailand but luckily the clinic I went to had agreements with HeyMondo. Incredibly quick and easy management, no other concerns or issues besides getting better.

Newest companies

4.8  |  228 reviews

Orlando ,  United States

WeatherPromise

4.1  |  15 reviews

Morristown ,  United States

VIP Luxury Travel Advisor

3.6  |  3 reviews

New York ,  United States

LODGE ME - SIÈGE SOCIAL

4  |  22 reviews

Albuquerque ,  United States

INF Insurance

4.9  |  423 reviews

4.9  |  90 reviews

Lisboa ,  Portugal

4.3  |  9 reviews

Portland ,  United States

Elite Turkey Tours

4.2  |  6 reviews

Booking Assistance

4.3  |  23 reviews

Bogota ,  Colombia

Aon Affinity Travel Practice

4.5  |  67 reviews

Garden City ,  United States

Click  here  for our travel alert about the Israel – Gaza conflict.

Due to the current conflict in Ukraine, our policies exclude coverage for any trips to Russia, Ukraine or Belarus. Check out latest travel alerts here before buying a policy.

Covid-19 Benefits Available for One-Trip Domestic and International Policies (Standard and Top). Find out more here

Cheap Travel Insurance | Canstar Award Winner | Tick Insurance

If you’ve got a lot to organise before your trip, you can tick one thing off your list right now – and that’s travel insurance!

At Tick Travel Insurance, covering your holiday is a no-brainer. It’s fast, comprehensive, and best of all – it won’t cost you heaps of cash.

We’ve made the Tick Travel Insurance process as simple as possible so that you can get cover instantly and be ready for your holiday.

Why Buy With Tick Travel Insurance?

Your Benefits

¹ We offer 3 tiers of domestic policies (Basic, Budget, Standard and Top) to suit every budget. Our policies provide the cover you need, without the extras that you don’t, to make finding the right policy easy.

*Price derived from a single trip of 5 days, Individual, age 30, to New Zealand, Pacific & Bali region. Cover for pre-existing medical may require an extra premium.

Tick Insurance reviews

• Awesome 165
• Terrible 90
• Awesome 195
• Terrible 73
• Terrible 89
• date reviewed
• overall score
• customer experience
• value for money
• claims experience

This insurance is useless ...

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

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...

Do not use Tick - terrible...

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

They DO NOT PAY when somet...

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

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...

Travel Insurance

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

Helpful staff and good val...

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

Avoid at all costs!

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

Shouldn't be able to conti...

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

AVOID, PROVIDE FALSE INFOR...

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

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

AVOID THIS COMPANY

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

Don’t use them , will not ...

I hand cancellation insurance , flights cancelled because of weather , they say so can’t pay claim be...

Complete rip-off

I paid for top level cover but when they sent me a link to my policy it was budget cover and useless....

Will not respond to emails...

Tried to move policy dates, several emails, no response. Tried to cancel, need to email. Do not u...

The Tick Experience! Avoid like the plague! Tick will use every tactic to avoid paying a claim. My fa...

Trip to Bali last year

We were going on cruise to Japan then a trip to Bali, we haven’t heard from them at all about our ins...

Will not chose Tick again

I highly doubt the staff has any experience in all, dealing with claims and customer service in gener...

Not worth the paper it was...

Refused to pay on the basis that I was stuck in Norway but our government had declared it a No Travel...

Poor service and under han...

Even after the COVID event occured they will take your money and not honour there emails. During my c...

Our trip was cancelled, not able to claim, ok so refund/credit offered. Accepted and advised by text ...

Unbelievably bad company. Extremely poor customer service, they never return phone calls. They always...

If I could give a negative...

Insurance purchased last year - took 2 months to get a refusal. Happy to take your money, but won...

Poor customer service and ...

I spend each week trying to get hold of their customer services only to be promised a call back or em...

Thanks for nothing,TICK. No refund for cancelled cruise due to the convid virus. How come other tra...

wont give refund for un us...

cannot contact them emails bounce back all the time if you ring you get disconnected.. buyer beware. ...

Our cruise has been cancelled through no fault of ours, can we try to claim the rest of our deposit o...

Feel Cheated

This company has kept my payment for travel insurance even though they are not providing me a service...

Lack of compassion

Amid Caronavirus most insurance companies are refunding travel nsurance policies due to it not being ...

Bunch of crooks!

Wasn't aware that I wasn't covered for covid and they won't even refund the money for the...

Rip off merchants

Aren't prepared to postpone my policy in wake of airline cancelling my flights (COVID-19) let alo...

Full settlement of Tick In...

I’ve purchased Tick Travel insurance on several occasions for overseas travel. Their insurance is rea...

Shocking Customer Service

I tried to reschedule my insurance today as it was no longer needed due to corona virus but got told ...

Avoid this company

Tick will decline your claim, after a 6 week wait,with a ridiculous reason. They do not deliver what ...

It concerns me with the lack of customer service at this time, it is taking nearly 2 weeks to reply b...

NO COMPASSION

Due to what is going on in the world at the moment, with most countries banning oversea's travel....

Affordable insurance with ...

Comparing insurers and coverage Tick stack up very well. On line always helps to reduce costs. I woul...

Best Cost Effective Insura...

After much due diligence I can say Tick Travel Insurance is the most cost effective product I could f...

Easy access

We have used Tick Insurance for many years but thankfully we have never needed to make a claim. The ...

great company to deal with...

Insurance software is easy to follow - you can see exactly what you are covered for - best prices &am...

Great travel insurance com...

I have used Tick Travel Insurance several times and also claimed. The claims were paid promptly and ...

Best travel insurance

We have used Tick travel insurance several times now. Such an easy way to apply for travel insurance....

Value for money

I chose Tick Travel Insurance through Compare Insurance and was the best value for money. The process...

Pleasant and easy way to g...

I haven’t been on my trip yet, so unless I make a claim I’m not the right person to ask how easy it w...

Excellent value compared w...

Easy premium set up!We have had 4 policies with Tick,with no claims.Assume they will deal with any cl...

Website does not recognois...

I have tried to print out my documents but the policy document reference number is not recognised. Ca...

One of the cheapest travel...

We have used TICK travel insurance over the past 10 years, and have found them to be one of the cheap...

Review Tick Insurance

It is always easy to work through the application process on the internet and to work out just what l...

No problems on line...easy navigation on the website. Value for money. I have not made a claim and ...

Found it to be cheap.

I did use Tick insurance on a previous occasion but didn't use them as I forgot and other trips. ...

Only important when you ne...

Travel insurance is a necessity, however you only know how good it is when you need to make a claim. ...

Reasonably priced and easy...

Would have rated higher but found it difficult to determine if Insurance covers cruises. Eventually ...

Best value for money trave...

A friend referred me to Tick Insurance. I compared Tick to other online travel insurance providers an...

find them very good

Have dealt with Tick insurance before and found them to be very competitive with others as yet have h...

Recommend Tick for travel ...

I did quite a bit of researching online, then I was told to look at Tick for my travel insurance. ...

great protection at the ri...

the simple application for a great travel policy to suit all your needs and will not cost you an arm ...

Great customer service - f...

Great customer service - fixed a mistake (mine) very quickly. I received a phone call not a reply to ...

Tick insurance gives u the...

Great value for money with Tick travel and it also has car rental cover (depends on the cover you cho...

Great value Insurance

Great value for insurance easy to manage website, plenty of good choice for cover options always use...

Booked cruise insurance, not worth a cent flight home from sydney at end of cruise was cancelled. Stu...

will never pay you but wil...

tick travel insurance is the worst - do not pay them a cent because they will not even return a cent ...

Great overall experience

Referred by my sister as the cheapest and easiest travel insurance. Applied and no problem overall ex...

The only feature that was disconcerting when purchasing the policy was the various prices for the sam...

Fantastic Company

We always use Tick Insurance as it’s easy cheap and we have never had a problem . We use Tick for...

Trying out new brand . Bit...

happy with the affordable premiums and ease of completing quote and final purchase, but a bit frustr...

Not covered for event in 2...

Seems you are covered for natural disasters just not if it happened 2 years ago. So read everything c...

Purchasing travel insuranc...

Very easy to do, an questions answered as filling in application through chat.. have had many quotes ...

So easy to do online

We booked with Tick for our last trip to Bali. It was so easy to get the amount of coverage that we n...

If you are going on a cruise this is a good product, and if you have preexisting conditions the incr...

Better than many others

Happy with the insurance but not happy that i paid extra for an ongoing back problem for which there ...

Online experience

Tick was recommended by a friend, so we gave it a go, an easy to navigate web page, process was very ...

easy to follow fantastic v...

i normally get my travel insurance through American express and it is always fairly expensive but thi...

travel england.

I am very happy with Tick travel insurance. may our smooth relationship continue. you guys give me w...

Not worth it, absolute sca...

This insurance company will not pay you out if you decide to make a claim, save yourself the time, mo...

Every Easy to apply on lin...

First time with TICK Insurance don't like to bother with Travel Insurance however your Team made ...

Affordable Travel Insuranc...

After comparing numerous policies, decided to go with Tick. It would appear I have covered all that I...

I used Tick insurance last year it was good value then and it is good value again would recommend the...

Too early to tell

We have not left on our trip do not know what service / claim might be required so can not comment ye...

very competitive pricing

very competitive pricing, dollar for dollar comparison. Its a no brainer when chosing travel insuranc...

Buying of travel insurance...

Firstly this is the first time I have used Tick Insurance.I found compared to other companies it offe...

Claim for Additional Emerg...

Did not cover Additional Emergency Expenses claimed for change in flight to Brisbane due to ship late...

Impressive service

I was very pleased to find that this insurance company actually does give good service when you make ...

Good priced

Good priced. Don’t know about claims as I didn’t have to claim. Easy access to information and easy t...

No cover prior to departur...

I was in the unfortunate situation recently where Jetstar had cancelled my international flight. Alth...

They are very shady. Avoid...

Avoid at all cost, online claim form did not work. Manual application through emails back and f...

Will try this insurance on...

Had previously made a claim and after a lengthy process of supplying information was told it did not ...

Good value easy site

I have used Tick insurance for quite a few years now, the online application is easy to use especiall...

Very reasonable price; exc...

In 2017 our flight home was delayed for 3 days. The airline were uncooperative in providing the requi...

Tick is No.1

We've used Tick Travel Insurance now on several occasions. We have found their overall all operat...

Frustrating but helpful

Had terrible time trying to communicate as emails kept bouncing back fortunately I kept a phone numbe...

Simple to purchase

The purchase was simple through Compare the market. I am yet to go on the trip will complete the re...

handled claim efficiently

Very good work by the team at Tick Insurance Every hing was handled very quickly. Will use them next ...

Worst insurer I’ve ever us...

Bought travel policy on Choice recommendation. Big mistake. Claim process for stolen baggage an absol...

Tick Insurance travel insurance reviews

Shop for Car Insurance

Other Insurance Products

Types of mortgages

Calculators

Find & Compare Credit Cards

Cards with Rewards

Cards for a Purpose

Cards for Building Credit

Credit Card Reviews

Understanding Credit & Score

Student Loans

Paying for College

Personal Finance for College Students

Life Events

Our Review of the Top 10 Travel Insurance Providers for Any Destination

Reviews of the Top 10 Best Travel Insurance Companies

Quality Verified

Updated: October 27, 2022

• Top 10 Travel Insurance Providers

Our Methodology

Before you buy.

Advertising & Editorial Disclosure

Whether you're planning your honeymoon, a family trip to Hawaii or a business trip to meet new clients, travel insurance can provide protection when your plans go astray. There are generally three main types of travel insurance: travel cancellation and disruption; medical assistance and evacuation; and baggage loss and delay. We researched dozens of travel insurance companies to pick the best in the industry. The right plan for you may depend on the nature of your travels, who is traveling and your budget. But whatever your needs, these 10 picks are financially stable, reliable companies with a good track record and comprehensive coverage.

Our Top 10 Travel Insurance Providers

Best : Overall, and for families with kids Travelex Insurance Services is a leading travel insurance provider based in Omaha, Neb. Its parent company, Travelex, has been a worldwide leader in foreign currency exchange for decades, and Travelex Insurance was started in 1996. The company's travel insurance policies are underwritten by Old Republic Insurance Company and Transamerica Casualty Insurance company, which has a financial rating of A+ from A.M. Best, and TransAmerica Casualty Insurance Company, which has A.M. Best ratings of A. The company has won the international luxury travel network Virtuoso's Best Travel Insurance Provider award for eleven years in a row. It is accredited by the Better Business Bureau, which gives it an A+ rating.

Coverage: Travelex offers two main coverage plans - basic and select (family-friendly) - and two flight insurance opt-ins. They offer protection for both leisure and business travelers. Like many companies here, they cover younger children (17 and under) at no additional cost. The company boasts a high claims paid rate (previously reported at 94 percent).

Website/mobile apps: The Travelex mobile website allows you to shop and purchase policies, get emergency assistance, and access trip-related documents from your phone. You can initiate a claim and check the status of your claim online.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Basic $377, Select $333, Max $895

Best for : Frequent travelers Allianz Travel Insurance is part of the giant multinational corporation Allianz, which has over 140,000 employees on five continents. Allianz insures over 80 million customers worldwide. The company has been around for over 100 years. In fact, Allianz insured the Wright Brothers' first flight in 1903. Today Allianz is accredited with the Better Business Bureau, which gives them an A+ rating. Its financial rating from A.M. Best is A+.

Coverage: Allianz offers a handful of distinct plans including those for frequent travelers. If you travel for business, for example, it might be worth investing in an annual plan that covers both medical and lost baggage expenses for all your trips throughout the year.

Website/mobile apps: Back in 2013 Allianz won an award for its TravelSmart mobile app, which connects travelers to approved hospitals in over 120 countries. The app also allows travelers to check on flight statuses, get emergency international assistance, and access their policy while on the road.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $304.

Best for : Luxury Travel TravelGuard is a subsidiary of AIG. Its policies are underwritten by National Union Fire Insurance Company of Pittsburgh, which has an A.M. Best financial rating of A. The company is accredited with the Better Business Bureau and has a rating of A+.

Coverage: TravelGuard includes trip assistance - including dealing with lost bags, cancelled flights, or medical emergencies - via agents who are available 24 hours a day. They offer three basic plan levels - Deluxe, Preferred, Essential - as well as numerous additional upgrades and packages. Upgrades can cover things like last-minute trips where cancellation isn't a factor. TravelGuard stands out in its overage levels - it will insure a trip coverage up to $500,000, higher than the average industry coverage. All of its plans include concierge service and 24-hour emergency assistance.

Website/mobile apps: TravelGuard has an online Claims tool that allows clients to easily file a claim from a computer or mobile device. The tool speeds up the claims process while allowing users to upload photos and documents, electronically sign claims forms, and check the status of a claim from their phones.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Silver $252/Gold $309 / Platinum $655

Best for : Traveling with pets San Diego-based Generali Global Assistance has provided travel insurance since 1991. The insurance division has previously been known as CSA Travel Protection. Generali Global is accredited by the Better Business Bureau and has an A+ rating and an A financial rating from A.M. Best.

Coverage: CSA offers three plans: Standard, Preferred and Premium. It covers telemedicine services with its plans and medical costs if a person becomes sick or injured during their trip. It also reimburses medical costs if you pay out of pocket. As with most travel insurance companies, CSA offers 24/7 emergency assistance, concierge services, identity theft resolution services and a 10-day "free look" period. If you change your mind within 30 days of purchasing the insurance and before you start your trip, the company will provide a full refund. It offers pet relocation services: If you have a medical emergency and cannot take care of your pet while on vacation, it will return your pet home. It also has a Pet Service Locator to help you find vets or other pet services on your travels. For pre-existing medical conditions, you would need to purchase the Premium plan before or at least 24 hours in advance of your final trip payment. You will also need to be medically able to travel, and your prepaid expenses are insured.

Website/mobile apps: They walk you through the claim-filing process step-by-step on their website .

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $298.52 Standard / $346.28 Preferred / $398 Premium

Best for : Budget Adventure Travel World Nomads has targeted its insurance at independent travellers and adventure-seekers. If your vacation includes activities like kite sailing, snowboarding, or bungee jumping, this might be the company for you. The company is recommended by Lonely Planet and National Geographic Adventure... But you don't have to be an adventure seeker to benefit from the very competitive rates offered by World Nomads. The company's policies are underwritten by Lloyd's, which has an A financial rating from A.M. Best.

Coverage: World Nomad offers two levels of insurance plans, which include all of the typical coverage options. In addition, it offers coverage for cameras, laptops, digital gear, and all sorts of travel activities.

Website: World Nomads has an interactive website that allows you to ask questions related to travel and receive both informative articles and blog posts from fellow travelers. It has also developed language apps for iPhones. And you can purchase policies and file claims online from anywhere in the world.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $185 to $255. World Nomad doesn't ask the cost of your trip for the online quote, or the number of travelers, but does distinguish between single, couple, and family groups. The quote tool offers an option to donate to a cause in your destination as well.

Best for : Workaholics In addition to providing travel insurance, AXA offers trip other assistance through its network of over 9,000 staff members in over 30 offices around the world. The company has a financial rating of A from A.M. Best. American Modern Home Insurance - which has an A+ financial rating from A.M. Best - underwrites AXA travel policies. AXA Assistance has an A+ rating from the Better Business Bureau.

Coverage: AXA offers three plans (gold, silver, platinum). It offers an additional "cancel for any reason" policy, which will cover up to 75 percent of your pre-paid non-refundable trip costs. This option must be purchased within 14 days of your first trip payment, but it's a good option for people whose jobs are unpredictable.

Website/mobile app: The website provides a clear chart outlining the three levels of service and their coverage, and it is fast and easy to get an online quote.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $342 Silver / $395 Platinum / $492 Gold

Best for : Study abroad/Expats HTH Travel Insurance is a leader in providing medical coverage for international students and expatriates. The company's policies are underwritten by Nationwide, which has an A+ financial rating from A.M. Best. HTH is not rated by the Better Business Bureau, but it is a member of the U.S. Travel Insurance Association (USTIA) and has signed on to its Code of Ethics.

Coverage: In addition to providing traditional comprehensive trip insurance, HTH specializes in providing medical coverage for students, faculty, and expats living abroad. The long-term overseas coverage only covers medical issues, not trip cancellation or lost baggage. The plan will pay up to $1,000,000 for a medical evacuation and contains no lifetime limit.

Website/mobile apps: The website offers a lot of information about overseas travel and living and provides straightforward quotes. The mPassport app gives you access to thousands of doctors around the world who speak English.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Economy $389, Classic $456, Preferred $546.

Best for : Mobile app aficionados Warren Buffet's Berkshire Hathaway is not known for travel insurance, but it is rapidly gaining recognition in the market for its technological advances in the field. It launched its travel protection program in 2014 and has been winning over customers with its fast claims payments. Berkshire Hathaway has an A.M. Best financial rating of A++. It is accredited with the Better Business Bureau and has an A+ rating.

Coverage: BHTP offers six distinct plans tailored to meet your specific travel needs. Options are available for adrenaline junkies, low-budget fliers, family vacationers, business travelers, and even those looking to relax on a cruise.

Website/mobile apps: Berkshire Hathaway is a leader in providing mobile apps to facilitate rapid claims and payments. You can file a claim online or via the mobile app, which also allows you to track flights, get help finding lost luggage, rebook flights and purchase policies. Getting an online quote is also possible, but the process isn't quite as smooth.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: ExactCare Family: $249; ExactCare: $346.

Best for : International volunteers or employees The Indiana-based Seven Corners began offering international medical insurance in 1993. Today Seven Corners offers a wide range of travel insurance to U.S. residents and foreigners visiting the U.S. It also offers group plans to companies, non-profits and U.S. government agencies seeking to protect their staff and volunteers when traveling. It is the travel insurance provider for the Peace Corps and other U.S. government agencies. Different plans are underwritten by different companies. The popular RoundTrip comprehensive plans are underwritten by Nationwide, with an A+ financial rating from A.M. Best. Other plans are underwritten by Lloyds of London or U.S. Fire Insurance Company, both of which have A ratings from A.M. Best.

Plans: Seven Corners offers a wide range of plans for almost every conceivable coverage option. Its RoundTrip plans provide comprehensive trip coverage (including trip cancellation, medical treatment, and lost property). The RoundTrip Elite plan allows you to cancel for any reason (with 75% reimbursement) and covers pre-existing conditions as long as you purchase the plan within 20 days of your trip deposit and fully insure your trip.

Website/mobile app: In 2016, Seven Corners launched a new mobile website that allows consumers to purchase plans, get 24-assistance and learn about travel insurance from their smartphones.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: Economy $416, Choice $441, Elite $462.

Best for : Hassle-free claims Founded in 1988 in France, April International now operates in 33 countries. April has an A+ financial rating from A.M. Best. Its U.S. travel insurance policies are underwritten by American Modern Home Insurance, which also has an A.M. Best rating of A+. The company is accredited with the Better Business Bureau and has an A+ rating, and it's a member of the U.S. Travel Insurance Association.

Coverage: April provides traditional comprehensive travel insurance, but it also offers an annual plan designed for people who travel at least three times per year. For fairly low prices, you can get basic coverage for trip interruption or delay, medical expenses, and baggage delay or loss. These are plans designed for frequent travelers who don't want to sweat the many small complications that can add up to big expenses. April prides itself on its Stress Less Benefits, which often allows policyholders to avoid a claims process and instead just call in their issue while traveling. If a claims report is needed, the company seeks to get it paid within 30 days.

Website/mobile apps: April has an easy to use website (though some reimbursements require the old-fashioned way) as well as a fully functional "Easy Claim" app.

Sample online quote: Family of four, going on a 10-day, $10,000 trip: $482.

We reviewed dozens of travel insurance providers to come up with this list of top companies. Our criteria for inclusion included:

Experts recommend you do your homework before buying a travel insurance policy. The industry is known for excessive exclusions and confusing language in small print. The National Consumer League recommends that you:

Check to see if you're already covered through another policy. Lots of insurance policies (including home, auto, and life) and credit cards offer partial coverage for trip interruption or medical emergencies.

Read the fine print - especially regarding exclusions. Things like pre-existing conditions, pregnancy-related issues, job loss or travel in a country that has reported a high threat of terrorism may be excluded.

Remember that you can get your money back. Lots of travel insurance companies allow you to get your money back if you cancel the plan within ten days (before travel).

Don't purchase travel insurance through airlines. Airlines aggressively push these cancellation insurance plans and pay commissions of 10 to 40 percent to the travel agents who sell them.

Consumer Reports recommends that you use an online travel insurance broker to search for a good match for your travel. Sites like Squaremouth , InsureMyTrip.com , or QuoteWright.com all allow you to shop and compare quotes. Even if you use such a service, however, Consumer Reports recommends contacting the carrier directly to go over the coverage and fine print before purchasing a policy.

U.S. Travel Insurance Association (USTIA) This professional association represents travel insurance companies and promotes ethical and professional industry standards. You can search its database for member organizations.

National Association of Insurance Commissioners (NAIC) Provides information and advice for consumers regarding when and how to purchase travel insurance.

Insurance Information Institute (III) The III is dedicated to promoting a public understanding of insurance. It has a page providing travel insurance facts.

Your state Insurance Commissioner All insurance is regulated at the state level. NAIC provides an interactive map so that you can click on your state and be directed to your state's Insurance Commissioner.

Better Business Bureau (BBB) The BBB allows you to search its vast online database to check on the reputation and any complaints that have been filed against a company.

About Mary Purcell, MA

Mary Purcell is a freelance writer and health and finance researcher in Piedmont, Calif., with expertise in policy analysis. She is fluent in Spanish and has a master's degree in Latin American studies from Georgetown University. Her articles have appeared on LimeHealth, Narrative, Consumer Health Interactive, and other outlets.

Suggested companies

Admiral insurance, explorer travel insurance, leisureguardinsurance.

TravelTime Travel Insurance   Reviews

In the Travel Insurance Company category

Visit this website

Company activity See all

Write a review

Reviews 4.5.

Most relevant

Competitive cost for pre-existing health conditions

We have used TravelTime twice now and have our next holiday insured with them too. My husband has pre-existing conditions which are all covered at a very competitive price. Thankfully we have never had to make a claim, (always a bonus). On our return, we get a welcome back email, which I think is a lovely touch. I highly recommend.

Date of experience : 13 November 2023

Always use TravelTime for our holiday…

Always use TravelTime for our holiday insurance. Great value, feel the policy is tailored to our needs. Also love the communication e-mails that keep us informed of any travel changes we may need to know. We don't bother shopping around for travel insurance just head straight for TravelTime.

Date of experience : 12 May 2023

Good Service

I used TravelTime insurance last year (2023) having found them through Confused.com. Imagine how surprised I was to find they were based in my home city. Fortunately I did not need to make a claim so cant comment on that side of things. Phoning their customer services I got to speak with a real person in 1 minute 30 seconds, which I thought was good. We have found TravelTime to be very competitively priced and have bought our holiday insurance through them again this year. We recommended TravelTime to relatives who are holidaying with us this year and they have purchased a policy as well.

Date of experience : 08 May 2024

Travel Time Travel Insurance simply the best

Travel Time Travel Insurance was a perfect choice for me as a transplant recipient with additional health needs. It was by far the cheapest and clearest policy to use for my holiday in Portugal. Really impressed with the service. Thank you . Highly recommend. Will use again

Date of experience : 21 October 2023

So much experience

Really helpful, honest advice. Went the extra mile. So much expertise. Would really recommend you give them a try. Definitely use them next time we travel.

Competitive pricing. Bought from this company before and…

Bought from this company before and again for my next holiday. Customer service contact is excellent, haven't needed yet but good to know they keep in touch.

Date of experience : 16 January 2024

Give the small businesses a chance

Love that the business is quite local. No ridiculous extra cost for me with a disclosed health condition. Have used them for last three years and really pleased so far!

Used this travel insurance a few times

Used this travel insurance a few times. Their service and prices are great. Willing definitely use them again and would highly recommend them.

Date of experience : 09 May 2024

Highly recomend

This is my second year running with TravelTime. Great, quick and efficient service. Great value, even with pre-existing health issues.

Reasonably priced insurance and great service.

This is a great travel insurance company. It is very straightforward to get a quote,tailored to your own requirements. Had to make a claim on it and this was settled quickly.

Date of experience : 12 January 2024

Straight forward and easy to book,very…

Straight forward and easy to book,very competitive price too will buy again 👍

I have got travel insurance from…

I have got travel insurance from TravelTime Travel Insurance on numerous occasions and have always found them informative,helpful and very friendly explaining everything in simple terminology. I would highly recommend they for all travel insurance

Date of experience : 25 March 2024

Excellent cover for a very reasonable…

Excellent cover for a very reasonable price. Package covered all my requirements. Would certainly recommend it to anyone looking for cover of medical insurance

A fully comprehensive policy at a very…

A fully comprehensive policy at a very competitive price. I shall renew before next holiday.

Date of experience : 23 April 2024

Easy to buy and very friendly staff thanks to a great all round experience.

Date of experience : 01 May 2024

Great value for money travel insurance

Great value for money, half the price of some of the larger companies

Date of experience : 09 May 2023

We took out travel insurance through…

We took out travel insurance through these and were unfortunate enough for my partner who is on the policy also to get food poisoning whilst on holiday. The claims process is impossible they divert us to csal who will not pay out even on a valid claim. All we get is we need more information which even though they have the information they requested twice they say the email came through blank. I believe this is a rip off. Please avoid unless you don’t like your money any longer

Date of experience : 18 November 2023

Reply from TravelTime Travel Insurance

Thank you for your Review. We have spoken to you and confirmed that your claim is being handled correctly and within the claims company's agreed service levels. You should receive your claim payment very shortly.

Excellent Company

Had this travel insurance now for 3/4 years had no trouble at all even had to make a claim about 2 years ago when my wife fell in lanzarote and had all the help i needed after a phone call while my wife was in hospital getting scans and they even spoke to the receptionist at the hospital in spanish so everyone understood what was happening only had to pay £99 excess at hospital and insurance sorted all the rest just what we needed while abroad so will always use this excellent firm and always recommend to other people after our bad experience on holiday and how smoothly and quickly travel time sorted the insurance

Fab value form money

Fab value form money. Quick and easy. Have used several times for my travel cover.Thanks

Do not get travel insurance with this company…

Do not get travel insurance with this company! Our son contracted impetigo on holiday and the doctor advised and gave us evidence that he must not go to the pool / communal areas. This is definitely a travel insurance claim but of course they found a way to get out of paying! Avoid at all costs!! You will not be covered!

Date of experience : 06 October 2023

Your claim sounds like it was for ‘loss of enjoyment’ which I’m afraid isn’t covered by our policies or by any travel insurance provider in the UK. If I’m wrong then please contact me via the office so that I can investigate this further. Kind regards, Darren @ TravelTime

Personal Finance

Lemonade insurance review 2024: reliable, affordable products for renters and pet owners.

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created independently from TIME’s editorial staff. Learn more about it.

Lemonade is an insurance company with a focus on offering affordable products and giving back. Consumers can rely on Lemonade for homeowners insurance, renter’s insurance, auto insurance, coverage for pets, and life insurance. In addition, the insurance company gives a percentage of premiums to various charities that support the environment, LGBTQ+ rights, and more.

While all insurance products offered through Lemonade are trustworthy and reputable, the company's renter’s insurance has the best ratings across Lemonade products.

TIME’s Take

Lemonade promises affordable rates and transparency when it comes to its insurance products, although customers who choose this company give up the personalized insurance experience they can get with other providers. Instead of having agents price out policies and give advice on its insurance offerings, Lemonade has its customers choose coverage, file claims, and deal with customer service issues over the phone or using the Lemonade app.

Who is Lemonade Insurance for?

Due to the mostly digital experience Lemonade offers, it's best for people who are comfortable using technology and don't necessarily need access to a dedicated insurance agent. Lemonade plans are also made for individuals and families who are interested in basic insurance without all the bells and whistles.

Individuals who like the idea of giving back or working with companies who have a heart may also be impressed with Lemonade's business model.

Lemonade renter’s insurance

Lemonade Renter's Insurance Money

‌ Lemonade renter’s insurance earned the third spot in J.D. Power's 2023 U.S. Home Insurance Study for customer satisfaction with 854 out of 1,000 possible points. This means Lemonade earned better marks than every provider in this category other than Erie Insurance and American Family Insurance.

Individuals can get renter’s insurance through Lemonade in as little as 90 seconds according to the company, and it promises to pay out claims in record time. Premiums start at just $5 per month, and consumers can easily get a quote for coverage online or through the Lemonade mobile app.

Note that Lemonade renter’s insurance is offered in 28 states plus Washington, D.C., so it may or may not be available where you live. Coverages offered in these plans include protection for personal property, temporary living expenses, and personal liability and medical bills.

Pros and cons

• Get covered online in minutes
• High ratings for customer satisfaction
• Rates start at $5 per month
• Replacement cost standard with these policies
• Not available in all states
• No option to work with an agent
• Fewer discounts offered compared to other providers

‌ Lemonade renter’s insurance starts at just $5 per month and goes up from there. Consumers can easily get a quote for their own coverage online or through the Lemonade mobile app.

How does Lemonade renter’s insurance compare?

Lemonade home insurance.

Lemonade offers homeowners insurance policies online and through the company's mobile app. However, this coverage is only available in 23 states at present. Customers can pay their homeowners insurance premiums through an escrow account connected to their mortgage just as they can with other insurance companies, and Lemonade makes it easy to switch since they take care of the communication about your new plan on your behalf.

Lemonade homeowners insurance comes with the included coverages you would expect, such as dwelling coverage, protection for other structures, personal liability coverage, loss of use coverage, protection for your personal property, and coverage for medical bills.

• Easy to get coverage online or through the Lemonade mobile app
• Premiums start at $25 per month
• Can pay through an escrow account or directly
• No "agent experience" with this company
• Fewer available discounts than some providers

Lemonade says its homeowners insurance policies start at $25 per month. However, rates for coverage will depend on where you live, the age and size of your home, the replacement cost of your home, and other factors.

How does Lemonade home insurance compare?

Lemonade car insurance.

Lemonade auto insurance promises fair prices that are "based on the way you drive." The company uses location-based technology to set auto insurance premiums, and customers get emergency crash assistance and free roadside assistance included in their plans. Because of the way Lemonade prices its auto insurance policies, people who drive less pay less. Individuals with EV and hybrid vehicles can also pay lower auto insurance rates overall.

Interestingly, Lemonade uses its technology to assess the environmental impact of its drivers. From there, it plants trees to help mitigate impacts to the environment and clean up the air. Note that Lemonade auto insurance is only available in Arizona, Illinois, Ohio, Oregon, Tennessee, Texas, and Washington.

• Pay less when you drive less
• Special discounts for EV and hybrid vehicles
• Includes free roadside assistance
• Only available in 7 states
• Cannot be used to drive for Uber or Lyft
• Location tracking cannot be disabled

Lemonade says its auto insurance rates start at $30 per month and vary based on your driving profile. You may also pay higher premiums than average based on the car you drive, where you live, and other factors.

How does Lemonade car insurance compare?

Lemonade pet insurance, lemonade pet insurance money.

‌ Lemonade also offers pet insurance via its website or mobile app, which can include coverage for diagnostics, procedures, and medication your furry friend needs. These plans also come with optional coverage for routine care, which can help pay for wellness exams, heartworm tests, bloodwork, routine dental care, and more.

‌ Pet insurance from Lemonade allows you to use any licensed veterinarian in the United States. However, this coverage is only available in 37 states, plus Washington D.C.

• Several discounts offered
• Available for dogs and cats up to age 14
• High maximum coverage amounts available
• Rates based on past claims history

Lemonade Insurance promises affordable pet insurance rates with discounts available for bundling policies, having multiple pets and paying a year's worth of premiums upfront. You can get a free price quote online in a matter of minutes, and the company says policies for most cats or dogs start at $10 per month.

How does Lemonade pet insurance compare?

Lemonade life insurance.

Lemonade also offers term life insurance only, with no requirement to have a medical exam. The entire process takes place digitally, and potential customers can get coverage by answering some basic medical questions.

Customers ages 18 to 60 can apply for term coverage from Lemonade. Policies last from 10 to 30 years, and the death benefit can be in amounts up to $1.5 million. Lemonade also says its policies start at just $9 per month.

• Term coverage with no medical exams
• Policies start at $9 per month
• Apply and get covered entirely online
• Term coverage only (no permanent policies available)
• Not available to everyone based on medical history
• Cannot purchase after the age of 60

Lemonade says its term life insurance policies start at just $9 per month. However, costs for coverage will vary based on the age of the insured, the length of the policy, and the chosen death benefit.

How does Lemonade life insurance compare?

Company history.

Originally founded in 2015, Lemonade claims to be the first "peer-to-peer insurance company" in the world. The firm bases this claim on its unique business model that charges users a flat fee for services and uses the rest of company funds to pay claims and run their business. Lemonade also forks over a percentage of customer premiums to various charitable organizations.

While Lemonade originally started as a homeowners insurance provider, the company has since launched additional insurance products including pet insurance and auto insurance. Lemonade has received a Financial Stability Rating® of A-Exceptional from Demotech Inc., and the company is reinsured by huge leading insurance brands such as Swiss Re, Munich Re, and Hannover Re.

Customer satisfaction

Lemonade has received accolades for its renter’s insurance and positive customer experience. In fact, renter’s insurance from Lemonade earned the third spot for customer satisfaction in J.D. Power's 2023 U.S. Home Insurance Study .

Customer complaints

Lemonade Insurance had 56 registered complaints within the NAIC's National Complaint Index Report in 2022. This led to the company having a complaint index score of 4.89, which means it had more complaints than average for its size.

The company's Better Business Bureau (BBB) profile also shows nearly 400 customer complaints closed within the last three years. Over the last 12 months, 180 customer complaints have been filed against Lemonade with the BBB.

Ratings & reviews

Lemonade receives a range of positive reviews for its products online. This includes an average star rating of 4.3 out of 5 stars across more than 1,500 customer reviews on Trustpilot.

Also note that the Lemonade app has an average star rating of 4.9 out of 5 stars in the App Store and 4.4 out of 5 stars on Google Play.

Policies offered

Lemonade may have started as a homeowners insurance company, but the brand now offers five types of insurance coverage:

• Homeowners insurance : Lemonade homeowners insurance is available in 23 states and includes essential protections such as dwelling coverage, protection for other structures, personal liability coverage, loss of use coverage, protection for your personal property, and coverage for medical bills.
• Renter’s insurance : Highly-rated renter’s insurance from Lemonade is offered in 28 states, plus Washington, D.C. Consumers can get all the coverages you would expect from these policies, including for personal property, temporary living expenses, personal liability, and medical bills. See more companies here .
• Car insurance : Auto insurance from Lemonade is available in only 7 states, and it can be tailored to suit your needs. Coverages offered in these plans include collision and comprehensive insurance, bodily injury protection, property damage protection, temporary transportation coverage, and extended glass coverage. See more companies here .
• Pet insurance : Pet insurance from Lemonade is for puppies and kittens, and for adult pets up to age 14. Plans can include maximum coverage amounts from $5,000 to $100,000. See more companies here .
• Life insurance : Lemonade also offers term life insurance with no medical exam required. Coverage can last from 10 to 30 years and a death benefit of up to $1.5 million is available. See more companies here .

Methodology

For the this review, we pored over policy information at the Lemonade Insurance website and the websites of competing companies. Prices for premiums were collected directly from insurance companies, and ratings and reviews were gathered through third parties including the Better Business Bureau (BBB), the National Association of Insurance Commissioners (NAIC), and Trustpilot.

Bottom line

If you're looking for a new type of insurance that can be bought and managed entirely online, Lemonade should be on your list. This technology-based company offers home insurance, renter’s insurance, car insurance, pet insurance, and term life insurance, all of which can be priced out and purchased online or through the company's highly-rated mobile app.

Just remember that Lemonade policies aren't available in every state. Also make sure to compare coverage you receive along with premiums, deductibles, and other details to make sure you're getting the best deal for the protections you need.

Frequently asked questions (FAQs)

How to file a claim with lemonade.

Customers can file a claim with Lemonade using the company's mobile app. The company says that, once you're on the app, you can start the process by clicking on the pink ‘File a Claim’ button in the top right-hand corner.

Is Lemonade a trustworthy insurance company?

Lemonade is a trustworthy insurance company that has received positive ratings from a range of third-party companies. The company is reinsured by huge leading insurance brands like Swiss Re, Munich Re, and Hannover Re.

Why is Lemonade insurance so cheap?

Lemonade insurance coverage can be more affordable since the company focuses on offering basic protections without all the bells and whistles you can get with other plans. Also note that Lemonade charges a flat fee for its services and uses the rest of the premiums paid in to cover claims and keep the company in operation.

What is the Lemonade insurance controversy?

In 2021, Lemonade faced a class action lawsuit based on claims that it collected and stored biometric data from its customers without their consent. In 2022, it settled the case for $4 million .

Does Lemonade pay claims?

Lemonade is known for its speedy claims process, which can be initiated on the company's mobile app.

Lemonade vs. Trupanion

Trupanion is another company that offers pet insurance specifically, and its policies feature unlimited payouts for life. Pet insurance from Trupanion is made to cover hereditary and congenital conditions, illnesses, injuries, and more. Coverage from Trupanion also pays your vet bills directly instead of having you request reimbursement after the fact (unlike Lemonade), and it offers one simple plan that intends to cover all your pet's healthcare needs when they become hurt or sick.

One major difference between Trupanion and Lemonade is the fact that Trupanion made the decision not to cover routine wellness care. This means you cannot upgrade a Trupanion plan to get coverage for wellness checkups, flea and tick control, or regular exams. In contrast, Lemonade offers optional wellness and routine care packages that pay for regular vet care that keeps your pet in the best possible health.

Lemonade vs. Spot

Spot is another pet insurance company that offers coverage similar to what you get with Lemonade. Spot policies offer up to 90% back on veterinary bills, and customers can visit any licensed veterinarian in the U.S. or Canada. Customers can choose from accident and illness coverage or accident-only coverage, and preventative care plans are also available.

Other standout features that come with Spot include a 30-day money back guarantee on coverage and unlimited telehealth visits in every plan. Like Lemonade, however, Spot has customers pay their vet bills directly then apply for reimbursement after care has been received.

Lemonade vs. State Farm

State Farm is an iconic insurance brand that offers most types of coverage consumers and businesses can buy. For example, individuals can turn to State Farm for homeowners insurance, renters insurance, auto insurance coverage, life insurance, boat insurance, RV insurance, small business insurance, and more. The company even offers pet insurance through a partnership with Trupanion.

State Farm also offers various financial products including home loans, checking and savings accounts, and personal loans . With these details in mind, it's easy to see how State Farm can be a better choice for customers who want to have all their insurance coverages with one company. However, prices for coverage from State Farm may not necessarily be as affordable as you'll find with Lemonade, so you'll still want to price shop policies and compare.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.