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Is Tick Travel Insurance Legit?: A Comprehensive Review

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

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

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

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

Assessing Tick Travel Insurance’s Legitimacy

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

Registration and Authorization

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

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

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

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

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

Financial Stability and Underwriting

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

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

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

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

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

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

Customer Satisfaction and Claim Settlement

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

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

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

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

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

Contact information

Customer reviews.

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

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

Positive Aspects :

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

Negative Aspects:

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

Tick Travel Insurance claims

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

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

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

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

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

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

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

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

Their email address is [email protected].

Who owns tick travel insurance?

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

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

Europ Assistance acquired Tick Travel Insurance in 2020.

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

Tick Travel Insurance PDS

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

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

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

Tick Insurance complaints

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

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

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

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

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

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

• coverage options
• customer service
• claim processing.

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

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

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Tick Travel Insurance customer reviews

Overall rating, tick travel insurance product reviews.

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Recent Tick 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.

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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.

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Travel insurance

Tick Travel Insurance Standard review

One trip policy..

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

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

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

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

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

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

Are claims covered that arise from pregnancy or pregnancy complications?

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

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

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

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

Daily hospital cash allowance per person.

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

Limit for dental as a result of an accident.

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

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

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

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

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

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

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

Whether the policy covers you for cancellation or amendment expenses.

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

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

Limit for travel agent cancellation fees.

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

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

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

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

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

Are stolen or damaged personal belongings covered

The overall limit for stolen or damaged personal belongings.

Limit for a single unspecified item.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Is the collision damage excess for a hire car covered?

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

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

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

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

Does the policy cover claims due to COVID-19?

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

Does the policy cover claims due to natural disaster?

Does the policy cover claims due to civil unrest?

Does the policy cover claims due to terrorism?

Does the policy cover claims due to war?

Average rating

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

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

Worldwide means anywhere in the world

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

Europe means all European countries, including UK

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

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

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

New Zealand means domestic travel within New Zealand only

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

Tick Insurance Reviews Reviews

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

Customer Experience

Claims experience, value for money.

This insurance is useless Do Not Purchase

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

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

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DO NOT use this company

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

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

1 comment on this review

Do not use Tick - terrible

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

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

They DO NOT PAY when something happens

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

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

TICK INSURANCE IS A SCAM

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

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

Travel Insurance

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

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

Helpful staff and good value cover

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

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

Avoid at all costs!

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

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

Shouldn't be able to continue business

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

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

AVOID, PROVIDE FALSE INFORMATION AND DENY CLAIM

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

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

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

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

AVOID THIS COMPANY

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

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

Tick Insurance FAQ

How many people can i include in my policy.

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

Am I covered if I go on a cruise?

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

Am I covered for skiing and my equipment?

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

Can I pay to reduce or cancel my excess?

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

Am I covered if my tour company collapses?

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

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

No, only available to residents.

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

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

How long is their single trip cover for?

Can i extend my policy from overseas.

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

Do they cover for my rental vehicle excess?

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

What is their cooling off period?

Who underwrites them.

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

Where are they based?

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

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

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

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

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Have read up and phoned this company, sounds good, anyone heard of them or used them?

Have used them when I went to Spain, the assistance company is a big spanish insurance company,I believe they are the same company as insure and go, however I never had to make a claim

Thanks, did book with them ~ $34 for 3 weeks basic cover (medical mainly).

Lesson learnt is to pay more for a better policy and reputable insurance provider.

This post has been removed at the author's request.

Going on some of the reviews, I have decided not to insure with them, they seem uncertain??

I'm not sure why anyone wouldn't pay a bit extra to go with a reputable insurance agent. Especially when it comes to medical. For less than $100, you'll be certain you're in safe hands. What's your health in an overseas country worth?

Worst insurance company ever

They are useless

Never use them

Read this.... TICK INSURANCE are nothing but murderers

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Tickinsurance   Reviews

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Shocking service

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

Date of experience : 18 April 2024

Terrible, avoid at all costs!

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

Date of experience : 19 February 2024

Beware, claim process and condtions =worthless

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

Date of experience : 15 March 2024

Warning ⚠️ this company will accept your…

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

Date of experience : 31 October 2023

Waste of money

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

Date of experience : 07 July 2023

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

Date of experience : 05 January 2023

Terrible! Don’t go there.

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

Date of experience : 30 September 2023

Why bother having insurance?

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

Date of experience : 09 November 2020

Beware of the Tick scam!!!!

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

Date of experience : 07 August 2023

Avoid at all cost! REVIEWS ARE FAKE!!!

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

Date of experience : 28 December 2019

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

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

Date of experience : 20 September 2023

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