tick travel insurance google reviews

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.

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Tick Travel Insurance

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

In this guide

Get a quote with Tick travel insurance

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

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.

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Congratulations, Tick!

Tick received the following awards in the 2024 Product Awards: 'Domestic Travel Insurance' - Winner 'Comprehensive Travel Insurance' - Winner 'Value Travel Insurance' - Highly Commended

Explore Tick's past Award wins

• Winner for Travel Insurance Customer Satifaction Awards 2023

Table updated June 2024

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

What do Australians think of Tick Travel Insurance travel insurance?

• 4.45/5 overall for Customer Satisfaction — higher than the average of 4.26
• 4.64/5 for Trust — higher than the average of 4.57
• 4.41/5 for Customer Service — higher than the average of 4.2

Based on Tick Travel Insurance travel insurance scores in Finder's 2024 Customer Satisfaction Awards .

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.

"I normally get my travel insurance through my credit card, but Bali insisted that visitors have additional COVID cover in 2022 when they opened borders. As a result, I got cover for my wife and myself for $93 through Tick for the week that we were there. We didn't need to claim, but it was the cheapest option that provided COVID cover."

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 bio

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60 Responses

I have just bought travel insurance – policy 3101356377 but need to cancel as this insurance doesn’t suit my purpose of gaining a visa. Please cancel.

We’re a review and comparison site and we’re not affiliated with any travel insurers, so you will need to contact the company you bought this policy through to discuss your situation. Best of luck!

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.

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Travel insurance

Tick Travel Insurance Top review

One trip policy..

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

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

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

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

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

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

Are claims covered that arise from pregnancy or pregnancy complications?

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

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

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

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

Daily hospital cash allowance per person.

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

Limit for dental as a result of an accident.

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

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

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

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

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

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

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

Whether the policy covers you for cancellation or amendment expenses.

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

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

Limit for travel agent cancellation fees.

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

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

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

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

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

Are stolen or damaged personal belongings covered

The overall limit for stolen or damaged personal belongings.

Limit for a single unspecified item.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Is the collision damage excess for a hire car covered?

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

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

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

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

Does the policy cover claims due to COVID-19?

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

Does the policy cover claims due to natural disaster?

Does the policy cover claims due to civil unrest?

Does the policy cover claims due to terrorism?

Does the policy cover claims due to war?

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DO NOT USE THIS COMPANY

DO NOT USE THIS COMPANY. Pay a little more and use a company that will send you your actual policy. A company you will be able to contact should you need them. Took us 2 days to contact them. And a company that will honour your claim that you have already been advised is valid. If we could give no star we would

Date of experience : 14 June 2024

DO NOT PICK THIS COMPANY!!!

My partner & I went overseas for a family wedding and during our trip, a close family member unexpectedly died - ultimately causing us to cancel our return flight and loosing money. Despite having cover for cancellation of trip AND death of a relative the company REFUSED to pay out because the family member who died wasn’t an Australian citizen!? - why should that matter when my partner and I are Australian residents and we just wanted to claim for the money that we lost from cancelling the flight. They had no remorse despite us grieving the death of a family member. We showed and provided every document (including the death certificate) needed to be reimbursed only for us to be refused. Absolutely disgusting service. Discriminative company!

Date of experience : 09 September 2023

Save your time and money and pay a little extra avoid this company!

Absolutely disgusted with the outcome. I am a citizen of Australia I was on holiday in the states when I was informed that my dad who resides in the UK had perforated his bowel which required emergency surgery unfortunately after the surgery he went into organ failure and was not expected to make it, that afternoon I flew to the UK to be by his side. This was in April and I had contacted Tick insurance to advise of my trip being cut short, only today I received a decline letter to say non of my expenses or additional cost would not be covered because my father doesn't live in Australia so if you have an incident involving a relative and they aren't a resident of Australia you won't be paid. I was extremely prompt with all the information and some weeks it would take 6 days to get a reply via email my case worker was absolutely awful multiple times she said she would call me even yesterday she said she would call me that afternoon nothing. When I would follow up on information sent over a week prior she said she hadn't actioned and would only do the day I followed up. I can't see how heartless a company can be to not pay out on emergency expenses on your own dad because he doesn't live in Australia. After reading the rest of the reviews on here im shocked it's still 4 stars I would imagine most are paid reviews or people that haven't had to go through the tedious task of having to go through this process. Avoid at all cost all you'll loose is time and money and I have had two policies with them if I had known the outcome I would have cancelled before my second trip which I was expecting an outcome in May! Avoid avoid avoid

Date of experience : 12 June 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

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

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

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! 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, 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

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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Tick Insurance

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 Europ assistance and they are underwritten by Mitsui Sumitomo Insurance Company.

Overall Rating

Verified Review

DONT USE TICK

This insurance is useless do not purchase, avoid this company, do not use this company, tick travel insurance is a scam, they will not honour your cail, misleading beyond excusable, disappointing experience, worst insurance ever do not use them, do not use tick - terrible, tick insurance is a scam.

How many people can I include in my policy?

Am I covered if I go on a cruise?

Am I covered for skiing and my equipment?

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Am I covered if my tour company collapses?

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

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

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Can I extend my policy from overseas?

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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. Get free travel insurance quotes from Australia’s most trusted brands in just one search, including 1Cover, Fast Cover Travel Insurance, InsureandGo, Ski-Insurance, Travel Insurance Saver, Tick, Zoom Travel Insurance. Compare online and save today! The directors and shareholders are common with companies 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.

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Tick Travel Insurance customer reviews

Overall rating, tick travel insurance product reviews.

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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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• Travel Insurance
• Best Comprehensive Travel Insurance Providers In Australia

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Our Pick Of The Best Comprehensive Travel Insurance Providers In Australia

Published: Sep 2, 2024, 3:30pm

Editorial note: Forbes Advisor Australia may earn revenue from this story in the manner disclosed here . Read our advice disclaimer here .

Australians are well-known for their love of travel, with many of us eager to make up for years spent in lockdown with epic European vacations, winter breaks in Bali or luxury cruises.

In fact, data from the Australian Bureau of Statistics’ (ABS) revealed that travel activity in December 2022 was at the same level as February 2019, before lockdowns and Covid restrictions, and this trend has continued at this pace for much of 2023 and the first half of 2024. The ABS recorded some 1.3 million departures in January, an increase of 294,990 compared with January of 2023. In its latest update in mid-year 2024, the ABS recorded 1.76 million departures in June—an increase of 13.2% on one year earlier. For residents returning from overseas in June 2024,  some 863,950 short-term trips were recorded, which was 2.6% higher than the pre-COVID level in June 2019.

Interestingly, Indonesia (Bali) was the most popular destination country, accounting for 17% of all resident returns and surpassing New Zealand as the most-frequented destination.

Key to peace of mind when travelling is adequate insurance, and it’s also paramount to find an insurance provider who will cover not only Covid-19 related claims, such as being diagnosed with Covid-19 while travelling or cancellations and delays due to Covid-19, but all of the other potential mishaps that could go wrong while overseas—whether it be missing a connecting flight, falling ill, event cancellation, theft or luggage going missing. Alarmingly, a recent study by Smartraveller and the Insurance Council of Australia (ICA) found that one in six Australians are still travelling overseas without travel insurance, with younger travellers, those from lower-income households, and culturally and linguistically diverse backgrounds all more likely to travel without insurance.

To help Australians find the best option suitable for their needs, Forbes Advisor combed through the leading players to determine our pick of the best comprehensive travel insurance providers for those looking to travel overseas in 2024 and beyond.

Note: the below list represents a selection of our top category picks, as chosen by Forbes Advisor Australia’s editors and journalists. The information provided is purely factual and is not intended to imply any recommendation, opinion, or advice about a financial product. Not every product or provider in the marketplace has been reviewed, and the list below is not intended to be exhaustive nor replace your own research or independent financial advice. For more information on how Forbes Advisor ranks and reviews products, including how we identified our top category picks, read the methodology selection below. 

Related: How to Find the Best Travel Insurance for you

Our Pick of the Best Comprehensive Travel Insurance Providers 2024

• Travel Insurance Direct (Comprehensive)
• Allianz (Comprehensive)
• Bupa Travel Insurance (Comprehensive)
• InsureandGo (Comprehensive)
• insure4less (Comprehensive)
• Cover-More Travel Insurance (Comprehensive)
• 1Cover (Comprehensive)
• Fast Cover (Comprehensive)

Tick Travel Insurance

• Qantas Travel Insurance (Comprehensive)
• Australia Post (Comprehensive)

What Methodology Did We Use?

Covid-19 travel rules and restrictions, what if i have a pre-existing medical condition, types of travel insurance policies, what about seniors, frequently asked questions (faqs).

• Best Seniors Travel Insurance
• Best Domestic Travel Insurance
• Best Cruise Travel Insurance
• Best Family Travel Insurance
• Best Student Travel Insurance
• Travel Insurance Cost
• Pregnancy Travel Insurance
• Travel Insurance And Covid: Are You Covered?
• Travel Insurance For Bali
• Travel Insurance For Fiji
• Travel Insurance For The USA
• Travel Insurance For Thailand
• Travel Insurance For New Zealand
• Travel Insurance To India

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

Freely Travel Insurance

On Freely’s Secure Website

24/7 Emergency Assistance

Flexibility to adjust your coverage even when you’re away in real-time.

In-app travel safety alerts to keep you safe

Unlimited, with a $1000 limit to dental

Despite the WHO declaring the pandemic over, Covid continues to interrupt our travel plans, and compared with other policies, Travel Insurance Direct offers very thorough Covid-19 cover, including both medical expenses and trip cancellations. Furthermore, some 43 medical conditions are automatically covered, however, additional conditions are not considered.

Where the policy really stands out is in its coverage of a broad range of 93 activities, with travellers able to add on extra coverage for certain higher-risk activities, such as snow sports. Plus, there are more than 2,500 reviews of the policy on Product Review, with an average of 4.2 stars.

• 93 sports and activities are automatically covered
• Lost luggage coverage up to $12,000, with the ability to increase item limits
• Online discounts are only available for multiple policies or group policies
• Certain pre-existing medical conditions cannot be covered

Yes, overseas medical expenses related to Covid-19 are included in the unlimited medical cover, as well as additional travel expenses up to $2,500.

Cancellations due to Covid-19 are covered for you and travelling party.

Unlimited, including dental

$2,000 is included, with the option to increase at a higher premium

Allianz has a generous medical policy, and unlike many competitors, includes unlimited coverage for both hospital and dental. The top-tier policy also covers pre-existing medical conditions, however, assessments are required and conditions need to be met. Some 38 activities are included and listed in the PDS, and there is no age limit to coverage.

There’s also the option to increase certain limits (luggage, cancellations, etc) for higher levels of coverage depending on the individual traveller’s needs.

• All ages are covered
• Dental is included in unlimited medical expenses
• Personal liability cover does not include additional activity packs, such as snow.
• No cover for missed connecting flights

Yes, Covid-19 is covered under medical expenses.

Cancellations due to Covid-19 are covered if the cancellation is due to a government-enforced border closure or due to the policy holder having to complete a quarantine due to Covid-19. As this is less of an issue these days, this policy feature is likely to be less important to travellers.

Bupa travel insurance is underwritten by Allianz, and its comprehensive travel insurance policy is almost identical to Allianz’s branded offering.

Along with unlimited medical, hospital and dental cover, Bupa offers 24/7 emergency assistance with Australian-based doctors and nurses available. As with Allianz, credit card fraud is covered up to $5,000 and lost luggage tops out at $10,000 (sub-limits apply). It’s worth noting, however, that Bupa scores slightly lower on Product Review—an average of 3.9 stars compared to Allianz’s 4.

• 15% discount for Bupa health insurance policy holders
• All pre-existing conditions need to be assessed to determine if they will be covered
• Reviews state lengthy waits for claim payments

Cancellations due to Covid-19 are covered if the cancellation is due to a government-enforced border closure or due to the policy holder having to complete a quarantine. As this is less of an issue these days, this policy feature may not be as important to travellers.

Unlimited, with a $500 limit to dental

InsureandGo is an ideal choice for families, with 90 activities included and the option to add additional extras, such as snow cover. Children are covered up to the age of 18 if they are travelling with parents or grandparents, and the maximum age for a policy-holder is 100 years old—although if you’re heading on a cruise the maximum age is 79.

Lost luggage is covered up to $15,000—sub limits apply—and there is unlimited cancellation cover.

The company’s comprehensive offering, known as Gold, was rated an average of 4 stars from more than 6,000 reviews.

• Regular discounts with promo codes on Facebook page
• Coverage up to 100 years
• No credit card fraud coverage
• Dental tops out at $500

Yes, overseas medical expenses related to Covid-19 are covered, as are cancellations for the policy holder and their travelling companions

Yes, up to $7500 per person

Insure4less offers policyholders coverage for a wide range of activities—more than 120 are listed in PDS—while additional, high-risk sports can also be added. The comprehensive policy, known as Excel Plus, covers medical expenses of Covid-19, along with any additional expenses required for you to return early to Australia if necessary.

It also covers lost luggage up to $5,000 (sub limits apply), cancellations up to $7,500 per person, connecting flights up to $1,000 and personal liability up to $7.5 million—the latter of which is at the higher end of what is generally offered. Coverage for pre-existing medical conditions are subject to the completion of an online medical questionnaire.

Read more:  insure4less Review: Pros and Cons

• More than 100 activities are included in the policy, with the option to add on additional cover for other high-risk activities such as snow cover for snowboarding and skiing
• Unlimited medical
• Luggage only covered up to $5,000

Mostly. Overseas medical expenses related to covid-19 are covered, as well as additional expenses for you to return early due to Covid if necessary. However, cancellations due to Covid are not covered.

Cover-More’s travel insurance not only covers Covid-19 medical expenses overseas, but also provides $2,500 for additional related expenses. Lost luggage is also covered up to $15,000, as are dependent children up to 21 provided they are financially dependent and not in full-time employment.

Travellers up to 99 years of age can travel on the Cover-More policy, however senior travellers must meet certain criteria.

Despite these stand-out features, what prevented us from giving Cover-More a higher score was its negative reviews: it scored an average of 3.3 stars out of almost 3,000 reviews on Product Review. (Forbes Advisor pays little attention to reviews when there are fewer than 100, and always takes into account that reviews tend to skew negative).

• Pregnancy is automatically covered for single-child pregnancy
• $3,000 for connecting flights
• Senior travellers need to meet acceptance criteria
• No online discounts

Mostly. Covid-19 related medical expenses are covered, with additional expenses up to $2,500.

There is up to $5,000 for cancellations related to Covid-19, but only on the Comprehensive Plus policy.

Unlimited, but dependent on conditions

From more than 4500 reviews on Product Review, 1Cover has received an average rating of 4.3 stars by consumers.

The comprehensive policy covers more than 100 sports and activities, and includes the option to add additional packs for high-risk activities. The rest of the policy can also be personalised, allowing policyholders to add or increase cover to suit the traveller’s habits

Credit card fraud is covered up to $5,000, as is disruption of journey when the delay is for more than six hours.

• Flexibility to add and increase cover to suit individual travellers
• Pregnancy cover up to week 24 of the pregnancy
• Travellers over the age of 80 incur a $3,000 excess
• Dental limited to $1,000.

Partially. Medical expenses for Covid-19 are covered, but cancellations are not.

Unlimited, with a $1,000 limit to dental

Fast Cover offers unlimited cover for both medical expenses and cancellations, however, it no longer offers automatic coverage for a range of pre-existing conditions, but instead provides the option of online medical screening up to the age of 89. This means if you want to ensure you’re covered for your existing medical condition, you can complete an online form and your condition will be assessed to determine if Fast Cover will include it in your policy.

The policy offers good Covid-19 coverage, including listing Covid-19 as a medical expense and including it as a reason for cancellation, however dental is capped at $1,000. Additional add-ons such as adventure or snow packs   are not available to travellers over a certain age , and if you booked through a travel agent, cancellation cover for travel agent fees tops out at $1,500.

Read more:   Fast Cover Review: Features, Pros and Cons

• Discounts available for more than one person
• Online medical assessment
• Adventure pack not available to travellers over 74
• Snow pack not available to travellers over 69

Yes, overseas medical expenses due to Covid-19 are covered, as are cancellations for those named on the insurance certificate.

Yes, up to $20,000

Tick Travel Insurance’s Top plan includes unlimited medical coverage, emergency dental to the tune of $500 and is open to travellers up to the age of 100.

Missed connections are not insurable but there is cover for travel delay expenses resulting from poor weather, a strike, industrial action or mechanical breakdown. Cover is for up to $100 per completed hour with a total limit of $1,000.

Most impressive of all is Tick’s positive customer reviews, with the company receiving an average of four stars out of more than 2,800 reviews on Product Review. We also like the $20,000 cancellation cover, which is more than a lot of its competitors.

• High cancellation cover
• Positive reviews
• Covers elderly travellers up to 100
• Rental excess coverage is lower than competitors
• Credit card fraud not covered

The good news is that under Tick Travel Insurance’s Top Plan, you will be covered for covid-related cancellations, medical expenses or trip disruptions when overseas.

Qantas Comprehensive Travel Insurance offers unlimited medical expenses, including coverage for Covid-19 diagnoses. It also automatically covers 43 pre-existing medical conditions (pending certain criteria), but requires a medical assessment, in the form of an online form, for any conditions not listed.

There is unlimited cover for cancellations and missed connections, as well as coverage for emergency dental for acute pain of up to $2,500.  Note: the standard comprehensive policy is for those aged up to 69; there is a seperate policy for 70+ years.

Related: Our pick of the best travel insurance for seniors .

• Lost luggage covered up to $15,000
• Good Covid-19 cover
• Some poor reviews albeit from a small number (257)
• Fraudulent credit card activity is not covered

Yes, overseas medical expenses includes if you are diagnosed with Covid-19. Cancellations due to a positive Covid-19 diagnosis are also covered, as well as ‘reasonable’ additional expenses (such as if you are required to quarantine).

Australia Post’s Comprehensive Travel Insurance offers coverage for credit card fraud of up to $5,000, lost luggage insurance up to $12,000 (sub-limits apply on certain items) and no age limit on policies. There is unlimited emergency medical, which we would expect for a comprehensive policy, with a $2,000 limit for dental, which is also pretty good. There is no cover specifically for missed connections but there is cover for travel delay up to $2,000

However, cruises of more than two nights will not be covered and need to be added as an additional pack to the policy.

• No age limit
• High coverage for dental
• Need to purchase an additional cruise pack if going on a cruise of longer than two nights
• Only 15 activities included, with additional packs required to be purchased for snow sports and motorcycling

Partially. Covid-19 related medical expenses and additional expenses are are covered, but an additional excess applies. Cancellations due to Covid-19 are not covered, and there is no cover for claims arising from Covid-19 while travelling on a cruise.

To find our list of the top travel insurance providers, we performed an in-depth analysis of more than 30 of the most popular local travel insurance providers. This included an evaluation of their current product ratings online and reviews from previous customers; a comparison of necessary offerings; and in-depth research into their individual product disclosure statements (PDS).

Through the analysis, the following coverage offerings and conditions were compared:

• Underwriter: an underwriter is the company which evaluates an applicant’s claim for approval and payment, and therefore should always be a reputable company;
• The average product review rating: found via Australia’s independent consumer review site, Product Review, where policyholders rate their experience with the specific travel provider;
• Conditions of age: including whether there is a maximum age cut-off to take out the policy, or whether children up to a certain age can be included with the main policy holder;
• Coverage of personal liability, credit card fraud, car hire excess and lost luggage: including any additional fees, conditions, and value limits;
• Medical cover, including dental, pregnancy and Covid-19: specifying what is included in the medical cover, any excess limits for dental, what weeks of pregnancy are covered (if any), and whether Covid-19 is included as a medical claim;
• Whether cancellations, delays or connecting flights were covered: including whether cancellations due to COVID-19 are claimable and any conditions with travel delay coverage or connecting flights;
• The inclusion of pre-existing medical conditions: from how many pre-existing medical conditions are included to whether there are conditions that need to be met, and any medication conditions that are automatically excluded;
• The inclusion of sports and activities: how many sports and activities were included in the policy; any sports and activities that are not covered; the availability of additional packages to cover certain sports and activities (such as winter sports or cruises);
• Emergency assistance and customer service: the availability of assistance and the level of customer service provided to a policyholder; and
• Discounts: whether there were any online discounts available from the provider.

In all, there were 19 different variables we compared and considered to find the overall ranking of each comprehensive travel insurance provider. Rankings were then made between 1-5, with the leading providers–all ranked 3 and above–included in the best-of list.

You will note that we did not evaluate policies on the metric of price: this is because the cost of travel insurance is highly dependent on the circumstances, health, age and destination of the person travelling.

A Note on Star Rankings

You will note that we have included a star rating next to each product or provider. This rating was determined by the editorial team once all of the data points above were considered, and the pros and cons of each product attribute was reviewed. The star rating is solely the view of Forbes Advisor editorial staff. Commercial partners or advertisers have no bearing on the star rating or their inclusion on this list. Star ratings are only one factor to be considered, and Forbes Advisor encourages you to seek independent advice from an authorised financial adviser in relation to your own financial circumstances and investments before you decide to choose a particular financial product or service.

It’s certainly easier to travel now than post-lockdowns when travellers required vaccine passports, QR codes and health checks to visit, as well as leave, certain destinations.

Nevertheless, with the virus still circulating in the community, and some nations possessing higher vaccination rates than others, Covid still has the power to disrupt travel plans. At the time of writing, you do not need to provide proof of a negative Covid-19 test to meet Australia’s travel requirements, nor do you need proof of a Covid-19 vaccination to travel to and from Australia.

Masks are also no longer necessary on international flights. However, as per the Australian government’s health and aged care department, Australians are still encouraged to consider wearing a mask to reduce potential risk.

The rules and regulations surrounding Covid-19 travel overseas vary by country and region. Before you travel, be sure to check your destination country’s local public health orders for Covid-19 vaccination requirements, and to see if there are any isolation or quarantine orders upon your arrival.

You can check the government’s Smartraveller Destination guide to find the latest updates for your destination, along with the Australian government’s advice for travelling to that destination.

The advice levels are: exercise normal safety precautions; exercise a high degree of caution; reconsider your need to travel; and do not travel. Smartraveller explains the level of advice in attribution to each destination and the reason for such, which could include terrorist threats, high levels of violent crime, security risks and/or health measures.

If you have, or have had, a medical condition, you may need to ensure your travel insurance has specialist coverage for pre-existing medical conditions. The same applies if you are recovering from serious injury.

Most Australian travel insurance providers do include a wide range of pre-existing medical conditions in their policies, such as cancer, heart problems, respiratory ailments, Crohn’s disease and diabetes. They can also include more common complaints such as asthma and hay-fever, as well as Covid-19.

For pre-existing medical conditions that aren’t automatically included, you may need to purchase extra coverage. To find out whether your condition is listed on the policy, you will need to read the travel insurance provider’s product disclosure statement. If your condition is not automatically included, it may still be covered upon meeting certain conditions or by undertaking a medical assessment.

Some conditions may never be covered by some providers and are excluded, even pending a medical assessment. Most often, these are pre-existing medical conditions that are the result of alcohol or drug dependency.

When comparing travel insurance providers, you’ll see many different policy types and therefore need to consider which best suits your needs. These policy types include:

• Single cover: cover for an individual traveller
• Family cover
• Single trip: providing cover for one trip, for a specific destination over a fixed time
• Annual multi-trip: designed for those planning to take more than two holidays or business trips a year to multiple destinations.
• Worldwide: allowing you to travel to destinations across the globe, however certain high-risk areas or those that are expensive for medical cover may not be included

There are often ‘packs’ or ‘additional extras’ that can be added on to these standard policy types, to include specific activities or travel types. This includes cruise coverage, designed to provide cover for the activities and risks associated with cruise holidays; winter sports packs, designed to provide cover if you plan to take part in high-risk activities, such as skiing and snowboarding; or backpacker coverage, which covers individuals on longer trips overseas that may span numerous countries.

Those over 55 years need to ensure they are covered by their travel provider and insurance policy. Some policies have a maximum age cut off, while others do not. Meanwhile, some policies may include all ages, but incur a higher premium for those aged over specific cut offs.

Seniors should also consider the level of cover provided for medical and hospital expenses. While accidents and illnesses can happen at any age, it is a fact of life that seniors are more susceptible.

When taking out an insurance policy–at any age–it is essential that you read the insurance provider’s PDS and ask to clarify any questions that you have, so that you can ensure you are covered in the way you expect to be if a claim does arise. You can read more in our pick of the best travel insurance for seniors.

Data Research:  Mia Dunn

What does most travel insurance cover?

When searching for travel insurance, it’s important to find a policy that suits your individual needs. Ideally a travel insurance policy will include medical cover, lost luggage cover, and other emergencies or accidents that may occur while you are overseas.

Insurance providers may have different limits or higher excess required for certain coverage, so it’s essential that you read the product disclosure statement before taking out a policy.

Which is the best travel insurance for over 70s?

Travel insurances often have a maximum age that they are willing to cover, largely due to the high-risk of elderly individuals. These cut-off ages vary by policy provider, and through our analysis, we found the providers that offered travel insurance for over 70s that was also highly regarded in other factors were Australia Post, Allianz, and InsureandGo. You can read more in our pick of the best travel insurance providers for seniors .

Which is the best travel insurance for Covid-19?

According to our analysis, among the best Australian travel insurance with Covid-19 cover is Cover-More’s Comprehensive Travel Insurance Plan. The policy covers Covid-19-related medical expenses as included in its unlimited medical expenses cover, additional expenses up to $2,500, and up to $5,000 for cancellations related to Covid-19. Of course, this is a guide only, and we did not analyse all of the providers on the market, so you may find another Covid policy that is better suited to your needs.

Who is the best company for travel insurance?

It’s important to remember that rather than one travel insurance company being better than the other, you need to find the perfect match for you: if you’re over 65, then you will want a company that caters to seniors, if you are an adrenaline junky then you will want a company that offers generous activity coverage. In our analysis the following companies scored above-average ratings:

Is it worth buying travel insurance at the moment?

It’s always worth buying travel insurance, even if you don’t intend on undertaking any extreme sports or risky activities. Travel insurance may protect you if your flight is delayed or cancelled, you experience a medical emergency overseas or you lose your belongings. With so many providers on the market these days, competition is fierce so you can find reasonably priced travel insurance for as little as $2 a day in some cases.

The Department of Foreign Affairs Trade (DFAT) and Insurance Council of Australia’s (ICA) joint Travel Insurance Survey of 2023 found that one in six Australians were not covered by insurance on their most recent trip. The most common reason given for travelling without insurance was “travelling somewhere I knew I’d be safe” (29%), followed by “I wasn’t sure if it was needed” (27%) and “I just didn’t think of it” (25%).

What doesn't travel insurance cover?

Each policy is different so make sure that you read the product disclosure statement to determine whether you’re covered for Covid-related incidents or delays. As a general rule, however, you won’t be covered for mental health emergencies overseas or for incidents that occur when you are under the influence of drugs or heavy intoxication.

Is Allianz good travel insurance?

In our assessment, we found Allianz to have many positive features as a travel insurance provider, not least of which is the generous unlimited medical and dental in its comprehensive offer. While the company covers travellers for lost luggage, there is no cover for missed connecting flights.

Is Bupa good for travel insurance?

In our Forbes Advisor Australia assessment, Bupa’s comprehensive travel insurance is a solid choice. It is underwritten by Allianz, so its comprehensive travel insurance policy is almost identical to Allianz’s branded offering.

Along with unlimited medical, hospital and dental cover, Bupa offers 24/7 emergency assistance with Australian-based doctors and nurses.

How many days before should you buy travel insurance?

You should buy travel insurance as soon as you purchase your tickets, that way you are covered if your trip is cancelled. While there is cover available once you have left Australia, it is much more limiting than had you purchased insurance beforehand.

Who does Qantas use for travel insurance?

Qantas travel insurance is underwritten by AIG Australia Limited.

Why is Australian travel insurance so expensive?

There is no doubt that travel insurance has become more expensive as Australians took to the skies in a post-pandemic booking frenzy. This has resulted in a higher rate of claims, which in turn leads to premium increases. Inflation, too, has played a part, with insurers pointing to the increase in the cost of goods and services as justification for rising premiums.

The information provided by Forbes Advisor is general in nature and for educational purposes only. Any information provided does not consider the personal financial circumstances of readers, such as individual objectives, financial situation or needs. Forbes Advisor does not provide financial product advice and the information we provide is not intended to replace or be relied upon as independent financial advice. Your financial situation is unique and the products and services we review may not be right for your circumstances. Forbes Advisor encourages readers to seek independent expert advice from an authorised financial adviser in relation to their own financial circumstances and investments before making any financial decisions. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results. Forbes Advisor provides an information service. It is not a product issuer or provider. In giving you information about financial or credit products, Forbes Advisor is not making any suggestion or recommendation to you about a particular product. It is important to check any product information directly with the provider. Consider the Product Disclosure Statement (PDS), Target Market Determination (TMD) and other applicable product documentation before making a decision to purchase, acquire, invest in or apply for a financial or credit product. Contact the product issuer directly for a copy of the PDS, TMD and other documentation. Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved or otherwise endorsed by our partners. For more information, read our Advice Disclaimer here .

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

Tick Insurance reviews

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

They will NOT honour your ...

DO NOT Buy!! THEY WILL NOT HONOUR YOUR CLAIM!!! Do not buy even if they sell for $1. Looks like every...

DONT USE TICK

Stranded in airport after cancelled flight, forced to stay an extra 3 days in destination at our expe...

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Travel Insurance Scam

I purchased Insurance Cover from Tick a week after the pandemic was declared. With travel bans in pl...

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Don't waste money on this insurance!! It's a complete scam. The insurance PDS is written to e...

Misleading beyond excusabl...

It's apparent their entire claims assessment procedure is designed to intentionally prevent direc...

Disappointing experience

Total waste of money. We had to cancel 2 trips due to a serious health condition, insurance was not u...

WORST INSURANCE EVER! DO N...

Never ever again will I use tick insurance!! I should have known when it was impossible to contact th...

joke of a company didnt he...

had a legitimate emergency overseas where i could have died and no choice to have surgery which cost ...

I had a massive stroke while I was in Canada and I was in hospital recovering for 2 1/2 months the ho...

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

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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...

Tick Insurance travel insurance reviews