one tick travel insurance

Tick Travel Insurance

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

In this guide

Get a quote with Tick travel insurance

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

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

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Congratulations, Tick!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Is Tick Travel Insurance good?

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

What is the Tick Travel Insurance phone number?

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

What is Tick's cancellation policy?

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

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

Cristal Dyer

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

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58 Responses

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

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

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

Regards, James

When will Tick recommence international travel insurance ( to Thailand)

Hi Christos,

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

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

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

I hope this helps.

Best, James

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

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

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

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

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

Have a wonderful day!

Cheers, Joshua

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

Hi Patrica,

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

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

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

Is ambulance cover included in your travel insurance policies?

Thanks, Karen

Thank you for getting in touch with Finder.

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

Thank you and have a wonderful day!

Cheers, Jeni

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Cheap Travel Insurance

Tick Travel Insurance is all about offering you affordable travel insurance without compromising on the benefits. Our cover^ is ideal for a range of overseas travellers, whether you’re treating yourself to a luxury holiday in Europe, a skiing trip in Canada or simply popping to Bali or Bangkok.

Just how cheap is Tick’s travel insurance^?

Our policies^ start from as little as $19. 1

To give you more of an idea, you can cover a week-long trip to Thailand for just $39 2   with Tick’s Standard Cover, and an entire two-week stint in Rio de Janeiro for as little as $50 3   How awesome is that?

See for yourself – grab a Tick quote below!

Considering covering your trip with Tick Travel Insurance? It’s cheap on price*, but not on the benefits. Here’s what you get:

Why get travel insurance with Tick?

At Tick, we believe that insuring your holiday shouldn’t cost you a fortune. We know what it’s like to travel on a budget and we understand that lots of Aussies out there still want top-value travel insurance without having to break the bank.

That’s where Tick comes in! We’ve designed our travel insurance packages to be comprehensive but not costly. We offer great perks and we give you the option to choose from 4 different levels of cover (Basic, Budget, Standard and Top) so that you can find the best policy for your trip.

1   Based on 4 nights in Bali for travellers aged 30

2   Based on 7 nights in Thailand for one traveller, aged 30, with Standard Cover

3   Based on 2 weeks in South America for one traveller, aged 25, with Basic Cover

* We offer 4 tiers of policy (Basic, Budget, Standard and Top) to suit every budget. Our policies provide the cover you need, without the extras that you don’t, to make finding the right policy easy.

• Join CHOICE

Travel insurance

Tick Travel Insurance Top review

One trip policy..

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

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

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

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

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

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

Are claims covered that arise from pregnancy or pregnancy complications?

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

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

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

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

Daily hospital cash allowance per person.

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

Limit for dental as a result of an accident.

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

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

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

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

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

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

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

Whether the policy covers you for cancellation or amendment expenses.

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

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

Limit for travel agent cancellation fees.

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

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

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

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

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

Are stolen or damaged personal belongings covered

The overall limit for stolen or damaged personal belongings.

Limit for a single unspecified item.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Is the collision damage excess for a hire car covered?

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

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

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

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

Does the policy cover claims due to COVID-19?

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

Does the policy cover claims due to natural disaster?

Does the policy cover claims due to civil unrest?

Does the policy cover claims due to terrorism?

Does the policy cover claims due to war?

Average rating

Compare international travel insurance 2024 | choice.

Is Tick Travel Insurance 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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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?

Our travel insurance comparision helps you, save time, worry and loads of money.

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Your privacy is important to us.

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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• Best overall
• Best for cruises
• Best for reputation
• Best for preexisting conditions
• Best for digital nomads
• Best low-cost
• Best for road trips
• How we reviewed travel insurance companies

Ultimate Guide to Choosing the Best Travel Insurance in June 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this guide to the best travel insurance, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.

Our Picks for the Best Travel Insurance Companies

Best overall: nationwide travel insurance.

• Runner-Up: AXA Assistance USA
• Best for Cruises: Travel Guard
• Best Reputation:  C&F Travel Insured
• Best for Pre-existing Conditions:   Tin Leg Travel Insurance
• Best for Digital Nomads:   WorldTrips Travel Insurance
• Best Low-Cost Option:   Trawick International Travel Insurance

Best for Road Trips: Travelex Travel Insurance

How we rate travel insurance »

Compare the Best Travel Insurance Companies

The best travel insurance companies offer comprehensive coverage options for a wide range of people and needs. For this guide, we looked at coverage options, customizability, and the best companies for specific situations, such as pre-existing conditions.

Here are Business Insider's picks for the best travel insurance companies in 2024. 

• Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
• con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
• con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer

Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.

• Cancel for any reason coverage available

Nationwide Travel Insurance is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.

Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.

Read our Nationwide Travel Insurance review here.

Best Travel Insurance Runner-Up: AXA Assistance USA

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

AXA Assistance USA  offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.

While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.

Read our AXA Assistance USA Travel Insurance review  here.

Best for Cruises: AIG Travel Guard

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.

While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.

Read our AIG Travel Guard review here.

Best for Reputation: C&F Travel Insured

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
• con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
• con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
• C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.

While every travel insurance company has negative reviews about its claims process, C&F Travel Insured 's claims process has a consistent stream of positive reviews. One customer wrote that C&F processed a claim within 48 hours. Additionally, C&F regularly responds to customer reviews within one business week, making reviews a consistent way to reach the company.

Additionally, in C&F's fine print, it mentions that any claims that take more than 30 days to pay out will begin to accrue interest at 9% APY.

C&F's reputation isn't the only thing to speak highly of. It offers an array of add-ons uncommon in the travel insurance industry, such as Interruption for Any Reason insurance and CFAR coverage for annual plans. C&F also offers discounts for children on its Protector Edge plan and free coverage on its Protector plan.  

Read our C&F Travel Insured review  here. 

Best for Pre-Existing Conditions: Tin Leg Travel Insurance

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
• con icon Two crossed lines that form an 'X'. Limited add-on coverage options
• con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors

Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.

• Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.

Tin Leg Travel Insurance is a great fit for travelers with medical issues in particular. Seven of Tin Leg's eight travel plans include coverage for pre-existing conditions as long as you purchase your policy within 15 days of your initial trip payment.

Thanks to coverage for pre-existing medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.

Read our Tin Leg Travel Insurance review here.

Best for Digital Nomads: WorldTrips Travel Insurance

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable base plans that can be customized with add-ons including rental car, pet care, hunting and fishing, and vacation rental coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Insurance plans available for international student travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage benefit that kicks in after just five hours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Pre-existing conditions waiver can be purchased within 21 days of initial trip payment
• con icon Two crossed lines that form an 'X'. Lower medical, evacuation and accidental death limits
• con icon Two crossed lines that form an 'X'. Limited, secondary baggage loss coverage although baggage protection can be upgraded at a low cost
• con icon Two crossed lines that form an 'X'. No special coverages for pets, sports equipment, etc.

WorldTrips has been a reputable travel insurance provider for more than 20 years. Unsurprisingly, it boasts an A+ rating from the Better Business Bureau and positive reviews from thousands of customers.

• Travel medical insurance (Premium, Group, Annual, and International Student options)
• Trip cancellation insurance
• Trip protection insurance

WorldTrips Travel Insurance has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.

However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.

Read our WorldTrips Travel Insurance review here.

Best for Affordability: Trawick International Travel Insurance

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
• con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
• con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
• con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims

Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.

• Travel medical insurance
• Trip protection and cancellation
• International student insurance
• Visitor medical insurance (for traveling to the US)

Trawick International Travel Insurance is another insurance provider with robust medical travel insurance that can help higher-risk and anxious travelers find peace of mind while on the road. This company offers one of the most generous medical evacuation policies in the market, although travelers will need to remember to add on rental car coverage if they need it.

Read our Trawick Travel Insurance review here.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
• con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
• con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
• con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
• con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage

Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.

• Optional CFAR insurance available with the Travel Select plan
• Trip delay insurance starting at $500 with the Travel Basic plan
• Emergency medical and dental coverage starting at $15,000

Travelex Travel Insurance  offers three plans:

• Travel Basic
• Travel Select
• Travel America

The Travelex America plan is meant for trips limited to the U.S., but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.

While your standard auto insurance does extend to car rentals within the U.S. for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.

Read our Travelex Travel Insurance review  here.

Introduction to Travel Insurance

Why travel insurance is a must-have.

The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.

Understanding Different Types of Travel Insurance

Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.

Key Features to Look for in Travel Insurance Coverage

Travel insurance for medical emergencies.

Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about how much emergency medical care while traveling will cost, even in the most remote corners of the globe. This coverage will often come in tandem with emergency medical evacuation coverage.

Trip Cancellation and Interruption Benefits

Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short. You may also look for cancel for any reason and interruption for any reason options, which will reimburse you for a percentage of your nonrefundable fees, but expands the covered reasons you can cancel a trip. You can find our guide on the best CFAR travel insurance companies here.

Coverage for Personal Belongings and Baggage Loss

Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.

Support and Assistance Services

In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away. Also, check websites that field customer reviews like Trustpilot, the Better Business Bureau, and InsureMyTrip , to see how well a company responds to customer requests.

Choosing the Best Travel Insurance

Reputation and reliability of the travel insurance provider.

A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.

Understanding the Policy's Fine Print

The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.

Customer Reviews and Feedback

In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering. While the ratings are important, you should also look at whether or not a company responds to customer complaints.

How to Get the Most Out of Your Travel Insurance

Knowing your policy inside out.

Familiarize yourself with every aspect of your policy – what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared. 

Steps to Take When a Problem Arises

If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Keep important contacts and your policy details handy, and remember, your insurance provider is there to assist you.

How to Pick the Best Travel Insurance Company for You

There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.

That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own. 

An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.

How We Reviewed the Best Travel Insurance Companies

To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:

Guide Methodology: What We Considered

Policy Types

Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award five stars to companies offering all standard coverages and additional options like pet and sports equipment protection.

Our 2023 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.

According to the U.S. Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.

Convenience and Flexibility

Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.

Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.

Claims Handling

Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.

Ease of Use and Support

When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.

You can read our full insurance rating methodology for even more details.

Best Travel Insurance FAQs

There isn't a one-size-fits-all solution for every traveler. Determine the benefits that are most important to you, like baggage delay coverage, medical coverage, and trip delay coverage, then look for a company with solid customer ratings, especially when it comes to processing claims.

Travel insurance will pay out if you experience a covered event, such as a travel delay or delayed or lost baggage. If you're looking to get travel insurance for a specific reason, such as needing to potentially cancel your trip due to work reasons, make sure your policy will cover you in that situation before purchasing it. You should also check customer reviews to see other travelers' claims experiences, as it varies wildly from company to company.

The average cost of travel insurance is 4% to 8% of your total trip cost, so it could vary widely depending on where you're traveling and the length of your trip. Your age, the number of people in your group, and other factors can also influence how much you'll pay.

Most comprehensive travel insurance policies include travel medical coverage that can come in handy if an emergency occurs and you need medical evacuation. Some travel insurance plans offer more specialized coverage for travelers with pre-existing conditions , so shop around if medical coverage is a top priority for you. 

$100,000 should be a sufficient medical coverage limit for travel insurance. If you're planning on doing extreme sports or anything particularly risky on your trip, you may want to increase your coverage level. A high medical coverage limit is especially useful when you're purchasing cruise travel insurance, since medical evacuations are more involved at sea.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Travel insurance

Best travel insurance companies of June 2024

Amy Fontinelle

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 2:16 p.m. UTC June 7, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best travel insurance company of 2024 , based on our in-depth analysis of travel insurance policies. Its Atlas Journey Elevate plan gets the top score in our rating because of the extensive coverage it provides for the price. It offers best-in-class emergency medical and evacuation benefits, as well as high limits for baggage insurance.

Best travel insurance of 2024

• WorldTrips : Best travel insurance.
• Travel Insured International : Best for emergency evacuation.
• TravelSafe : Best for missed connections.
• Aegis : Cheapest travel insurance.
• Travelex : Best for families.
• AIG : Best for add-on coverage options.
• Nationwide : Best for cruise itinerary changes.

Why trust our travel insurance experts

Our travel insurance experts evaluate hundreds of insurance products and analyze thousands of data points to help you find the best trip insurance for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best travel insurance companies

Best travel insurance.

Top travel insurance plans

Average cost, medical limit per person, why it’s the best.

If you’re looking for the best travel insurance for international travel , WorldTrips’ Atlas Journey Elevate plan gives you $250,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage. 

See our full WorldTrips travel insurance review .

Pros and cons

• $250,000 in primary medical coverage.
• $1 million per person in medical evacuation coverage.
• Primary damage or loss baggage coverage of $500 per item, up to $2,500.
• 5 optional upgrades, including pet care, adventure sports and rental car damage and theft.
• No non-medical evacuation coverage.

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 428 reviews of policies purchased through the travel insurance comparison site since 2008. 

Heidi’s expert take:   “WorldTrips offers primary coverage for emergency medical expense and for baggage damage or loss. This means the insurer will pay for your claim first and then seek recovery from any responsible third party, such as your health insurance provider, airline or homeowners insurance company (if your belongings are stolen). Travel insurance with secondary medical coverage might be cheaper, but then you’d have to file claims with third parties yourself, before you could turn to your travel insurance for help.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for emergency evacuation

Travel insured international.

Top travel insurance plan

If you’re traveling to a remote area, consider Travel Insured International’s Worldwide Trip Protector. It has the best travel insurance for emergency evacuation of travel insurance policies in our rating. This top travel insurance plan provides up to $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits.

• Only plan in our rating that offers $150,000 in non-medical evacuation coverage.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person is only available for cruises and tours.

Travel Insured International has a rating of 4.39 stars out of 5 on Squaremouth, based on 3,402 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “The Worldwide Trip Protector plan provides rare non-medical evacuation benefits of up to $150,000. If you’re traveling to an area at risk of a political, security or national disaster, this emergency evacuation coverage could help get you back to safety.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for missed connections

TravelSafe offers good travel insurance for missed connections , with $2,500 in missed connection coverage for each person on the plan.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of our best-rated travel insurance plans.
• No “interruption for any reason” coverage option.
• Weak baggage delay coverage of $250 per person after 12 hours.

TravelSafe has a rating of 4.3 stars out of 5 on Squaremouth, based on 1,506 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you miss out on prepaid vacation plans because you didn’t make a connecting flight, you’ll be glad for the $2,500 missed connection coverage. Some policies only provide missed connection coverage for cruises and tours, but TravelSafe Classic doesn’t impose that restriction.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Cheapest travel insurance

Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. This is based on the average cost of seven international trips of varying lengths and values for travelers of different ages.

See our full Aegis travel insurance review .

• Cheapest of our best trip insurance plans.
• Pet care benefit of $500 under travel delay benefits.
• Low emergency medical and evacuation limits.
• Low missed connection benefit of $500 per person for cruises and tours only.
• Low baggage and personal items loss benefit of $500 per person.

Aegis has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,111 reviews of policies purchased on the travel insurance comparison site since 2013.

Heidi’s expert take:   “If you’re looking for a  budget travel insurance policy , Go Ready Choice may fit the bill. It has comparably low coverage limits, but if you have health insurance that will cover you on your trip, its $50,000 in secondary medical coverage may be sufficient.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for families

Top-scoring plan

Travelex Insurance Services has the best travel insurance for families because you can add kids aged 17 and younger to your Travel Select plan at no additional charge.

See our full Travelex travel insurance review .

• Free coverage for children 17 and under on the same policy.
• Robust travel delay coverage of $2,000 per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Low emergency medical coverage of $50,000 per person.
• Non-medical evacuation is not included.
• Low baggage delay coverage of $200 requires a 12-hour delay.

Travelex has a rating of 4.43 stars out of 5 on Squaremouth, based on 2,048 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you’re traveling with kids, a Travelex policy will cover them, too. The number of children you can add to your policy is unlimited and they’ll get travel protection at no additional cost.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, making it the best traveler insurance for add-on options . These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

See our full AIG travel insurance review .

• Bundle upgrades allow you to customize your travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Heidi’s expert take: “You can add riders to your AIG travel insurance policy to maximize your coverage. Choose from these bundles: adventure sports, medical, pet, quarantine, security and wedding. You may also want to add “cancel for any reason” coverage and rental vehicle damage coverage.”  Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for cruise itinerary changes

Nationwide’s Choice Cruise is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Choice Cruise also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

See our full Nationwide travel insurance review .

• Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” upgrade available.

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

  Heidi’s expert take: “This plan has protections for cruisers when it comes to prepaid expenses. But its emergency medical coverage is secondary, which means you’d have to file medical claims with your health insurance company first. Since U.S. health insurance won’t help you at sea, you may want to look for cruise travel insurance with primary medical coverage instead.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Compare the best travel insurance plans

Via Compare Coverage’s website

Heidi’s expert take: “Here are my tips on how to buy travel insurance that gets you the most coverage for the lowest price: Buy early . Getting travel insurance within two weeks of making your first trip deposit may qualify you for coverage of pre-existing medical conditions, and it won’t cost you any extra.  Look for primary emergency medical coverage . If you buy a plan with secondary coverage, you’ll have to file a claim with your health insurance first, even if you know it will be denied.  Don’t overinsure . Calculate the value of only your prepaid, nonrefundable trip expenses that are not already covered by other insurance (like credit card travel insurance or health insurance, if your coverage extends to where you are traveling). Even if this value is $0, you can still buy travel insurance for the travel medical insurance benefits, and you’ll only be paying for the insurance you need.  Understand exclusions . If you are planning to go scuba diving, for instance, make sure this adventure activity is not excluded from a policy’s coverage. If so, you may need to pay for a rider or shop for another plan that offers the coverage you need.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

• Best cruise travel insurance
• Best COVID travel insurance
• Best “cancel for any reason” travel insurance
• Best senior travel insurance

Best travel insurance for cruises

The best cruise travel insurance is Atlas Journey Preferred sold by WorldTrips . This plan offers solid travel insurance for cruises for a low rate.

Best travel insurance for COVID-19

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners . It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

Best travel insurance for “cancel for any reason” 

The best “cancel for any reason” (CFAR) travel insurance is Seven Corners’ Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg . It is an affordable travel insurance plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your prepaid, nonrefundable trip costs . 

How much you pay for travel insurance will depend on:

• The cost of your trip.
• Your destination.
• The length of your trip. 
• The ages of travelers being insured.
• Your state of residence.
• The travel insurance policy you choose.
• The total coverage amounts in your policy.
• Any travel insurance add-ons you select. 

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance. 

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel: 

• Emergency medical coverage: At least $50,000. 
• Medical evacuation coverage: At least $100,000. 

If you’re going on a cruise, or to a remote location, Squaremouth recommends: 

• Emergency medical coverage: At least $100,000. 
• Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance policies to have at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage. 

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. 

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits: 

• You may be able to add on “ cancel for any reason” (CFAR) coverage , an upgrade that is typically only available for a limited time after you’ve started paying for your trip. 
• You may qualify for a pre-existing medical conditions exclusion waiver, meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.
• You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters. 

Expert tip: You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing conditions exclusion waiver or to buy a “cancel for any reason” upgrade.

Where can I buy travel insurance?

You can buy a travel insurance plan:

• Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth or Travelinsurance.com to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
• In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Travel insurance trends in 2024

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise , travelers have more to lose if their plans are disrupted. 

Based on travel insurance quote requests on the Squaremouth website last month, these are the main benefits travelers are looking for in a travel insurance policy.

*Source: Squaremouth.com. Travel insurance quote filter usage from April 28 to May 28, 2024.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• $3,000, 8-day trip to Mexico for two travelers age 30.
• $3,000, 8-day trip to Mexico for two travelers age 70.
• $6,000, 17-day trip to Italy for two travelers age 40.
• $6,000, 17-day trip to Italy for two travelers age 65.
• $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

If you’d like to dig in deeper, head over to our travel insurance ratings methodology page.

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Explore and Atlas Journey Elevate — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages:

• Trip cancellation . With trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business. 
• Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation. 
• Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home. 
• Travel medical . Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling. 
• Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling. 
• Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200. 
• Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.  

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said James Clark, spokesperson for Squaremouth. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems: 

• Bankruptcy of a travel insurance company, such as your airline or tour operator. 
• Dangerous weather conditions.
• Delayed and lost luggage.
• Illness or death in your family that requires you to stay home or cut your trip short.
• Illness that needs medical attention.
• Injury requiring medical evacuation.
• Jury duty. 
• Travel delays and missed connections.
• Theft of your personal belongings while traveling.
• Unexpected job loss. 

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

• Accidents or injuries caused by drinking or drug use.
• Canceling your trip because you changed your mind.
• Ending your trip early because you changed your mind.
• Losses caused by intentional self harm, including suicide.
• Losses due to war, civil disorder or riots.
• Medical tourism.
• Medical treatment for pre-existing conditions.
• Mental health care.
• Natural disasters that begin before you buy travel insurance.
• Non-medical evacuation.
• Normal pregnancy. 
• Medical treatment related to high-risk activities.
• Routine medical care, such as physicals or dental care.
• Search and rescue.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically. 

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits. 

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department. 

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events. 

Some credit cards , such as the Chase Sapphire Preferred® Card , offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation .

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

• Travel Insured International — Rental car damage and theft coverage of $50,000.
• WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible. 

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations. 

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill. 

Wondering if travel insurance is worth it? What travel insurance covers

Editor’s Note: This article contains updated information from previously published stories:

• Spirit Airlines scrubs 60% of its Wednesday flights, says cancellations will drop ‘in the days to come.’
• 'Just a parade of incompetency': Spirit Airlines passengers with 'nightmare' stories want more than apology, $50 vouchers
• ‘This is not our proudest moment’: Spirit Airlines CEO says more flight cancellations expected this weekend
• Hurricane Irma: Flight cancellations top 12,500; even more expected
• Is an annual travel insurance policy right for you?
• How 2020 and COVID-19 changed travel forever – and what that means for you
• COVID-19 or delta variant have you ready to scrap your trip? Here’s how to cancel like a pro
• Sunday: Snow is over, but flight cancellations top 12,000
• After nearly 13,000 Harvey cancellations, Irma is new threat to airline flights
• What’s the difference between travel insurance and trip ‘protection’?
• How to choose the right travel insurance for your next vacation
• Travel insurance can save the day
• Angry passengers brawl after Spirit cancels flights
• What to do when travel insurance doesn’t work
• How lockdowns, quarantines and COVID-19 testing will change summer travel in 2021
• Travelers will pay and worry more on summer vacation this year. But they won’t cancel
• How to find a hotel with COVID testing and quarantine facilities wherever you travel
• Yearning to travel in 2022? First, figure out your budget – then pick a destination
• Pro tips for surviving a long flight during a pandemic: Get the right mask, bring a pillow
• Want to steer clear of contracting COVID-19 on your next vacation? Follow these guidelines
• Post-pandemic travel: Is it OK to ask another passenger’s vaccine status or request they mask up?
• These days, forgetting these important travel items could cost you thousands of dollars
• International travel hacks: When to book flights and hotels, how to deal with COVID-19 rules
• Traveling post-coronavirus: How do you book your next trip when so much remains uncertain?
• The COVID-19 guide to holiday travel – and the case for why you shouldn’t go this year
• Should you travel during the holidays? Americans struggle with their decision
• ‘There’s still pent-up demand’: What you should know about fall travel
• Planning for life after coronavirus: When will we know it’s safe to travel again?
• ‘Busiest camping season’: Travelers choose outdoor recreation close to home amid COVID-19 pandemic
• Considering a camping trip this summer? Tips to make sure your gear is good to go
• RVing for the first time? 8 tips for newbies I wish I’d known during my first trip
• Five myths about travel agents
• Should I buy travel insurance?
• Is travel insurance stacked against you?
• Five myths about travel insurance and terrorism
• These eight things could get your travel insurance claims rejected
• There’s a good chance that your credit card already gives you some kind of travel insurance coverage
• How to avoid a hotel cancellation penalty
• Change fees and travel insurance continue to rise

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Tick Travel Insurance

Important information on terms, conditions and sub-limits.

If you’re planning an overseas holiday and you need some extra peace of mind, finding a travel insurance policy that suits your needs should be first on your itinerary. If you’re thinking Tick Travel Insurance might be the one for you, then keep reading because we’ve outlined some of the frequently asked questions on their currently available policies.

About Tick Travel Insurance

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

Tick Travel Insurance plans

Currently, Tick Travel Insurance offers domestic travel insurance and single-trip international travel insurance , including limited cover for some COVID-19 related claims. They currently offer four levels of international cover, these being the Basic, Budget, Standard, and Top policy plans. With each tier of cover, your premium increases, but what you’re covered for and the amount you are insured for will rise too. 

Check out the data table below to see an overview of the kinds of plans Tick Travel Insurance offers.

• Single Duo Family

Limits shown apply

Covid medical cover

Covid cancellation cover

Overseas emergency hospital expense

Overseas emergency medical assistance

Maximum excess

Cancellation fees

Pay extra for no excess

Luggage and personal effects

Additional accomodation & travel

Emergency companion

Resumption of journey

Hospital cash allowance

Accidental death

Permanent disability

Loss of income

Credit Card fraud and replacement

Travellers cheques

Travel documents

Rental vehicle excess

Alternative travel expenses

Personal liability

Pre existing conditions

Cardiovascular disease

Mental health illness

High cholesterol

High blood pressure

Blood thinning medication

Activities covered

Bungee jumping

Conservation work

Mountain biking

Mountaineering

Rock climbing

Scuba diving

Snow sports

Ocean Cruise

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

What other optional extras can I add to my Tick Travel Insurance policy?

There are a few optional extras you can add to your Tick Travel Insurance policy if you need to tailor your package to the kind of holiday or tip you’re going on. These include winter sports cover, natural disaster cover, business cover, and golf cover. 

These add-ons will come at an extra premium, but without them, you may not be covered for anything that happens related to these sorts of activities. Always be sure to check out the PDS to find details regarding limits on cover amounts and general exclusions. 

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

Tick Travel Insurance does not automatically cover any medical conditions in their international travel insurance policy. However, you can gain coverage for pre-existing medical conditions by calling Tick Travel Insurance and discussing your situation with them. They will let you know if they can cover you for your medical condition and related claims that could result from it.

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

If there’s an emergency during your overseas trip, call Tick Travel Insurance on their emergency assistance line. The number is +61 2 9333 3963 and is available 24/7 if you need it. Tick Travel Insurance’s team will be able to help you out with things like finding medical facilities and medical evacuation, among other things. 

How do I make a claim with Tick Travel Insurance? 

You must register a claim with Tick Travel Insurance within 30 days of returning home. You will need to have all the relevant documentation to support your claims, such as receipts for valuables, or invoices from hospitals and doctors if you incurred medical costs. Tick Travel Insurance asks that you provide these documents in English, or get them officially translated into English. 

To get access to claims forms, or if you have any enquiries about making a claim, contact Tick Travel Insurance at 02 9333 3965, email them at [email protected] , or head to Tick Travel Insurance’s online claims portal.

Tick Travel Insurance customer reviews

Tick travel insurance travel insurance.

Overall 1.3

Value for money

Policy coverage

Customer service

Claims handling

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

Tick Travel Insurance Travel Insurance review

Overall rating   1 / 10

Green Tick Travel Insurance: Disastrous Experience

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

Full review

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

Value for money   1 / 10

Policy coverage   1 / 10

Customer service   1 / 10

Claims handling   1 / 10

Trust   1 / 10

Jarrod, Victoria, reviewed 6 months ago

Don't fall for the Tick scam!!

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

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

Mario, Victoria, reviewed 10 months ago

Terrible experience with tick insurance

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

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

Value for money   8 / 10

Customer service   4 / 10

Claims handling   5 / 10

Chris, South Australia, reviewed 11 months ago

Discourage, Delay , Deny was my Travel Insurance

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

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

Customer service   2 / 10

Peter, Western Australia, reviewed 11 months ago

AVOID THIS COMPANY

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

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

Natasha, Victoria, reviewed almost 2 years ago

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Tick Travel Insurance Review: My Honest Thoughts

G’day, mates! Today, I’m excited to share my honest thoughts and experiences with Tick Travel Insurance . As an avid traveler, I understand the importance of having reliable and comprehensive travel insurance coverage. So, let’s dive into my review and see if Tick Travel Insurance ticks all the boxes.

Tick Travel Insurance offers a wide range of policies to suit different needs and budgets. Whether you’re planning a short holiday or an extended adventure, they’ve got you covered. With their reputation for excellent customer service and efficient claims processing, it’s no wonder they’re a popular choice among Aussie travelers.

Throughout this review, I’ll discuss various aspects of Tick Travel Insurance, including policy coverage, customer service, claim processing, and more. By the end, you’ll have a clear picture of whether Tick Travel Insurance is the right choice for your travel needs.

Table of Contents

Key Takeaways:

• Tick Travel Insurance offers a wide range of policies to suit different travel needs and budgets.
• They are known for their excellent customer service and efficient claims processing.
• Throughout this review, we will explore policy coverage, customer experiences, and more.
• By the end, you’ll have an informed decision on whether Tick Travel Insurance is the best option for you.

Introduction to Tick Travel Insurance

Welcome to my review of Tick Travel Insurance! In this section, I will provide an introduction to Tick Travel Insurance and give you an overview of what they offer. Whether you’re planning a relaxing vacation or an adventurous trip, having the right travel insurance is essential for peace of mind.

Tick Travel Insurance is a reputable insurance provider that specializes in offering travel insurance policies to individuals and families. With their extensive experience in the industry, they understand the unique needs of travelers and strive to provide comprehensive coverage.

When it comes to travel insurance, Tick Travel Insurance offers a range of policies tailored to meet different travel requirements. Whether you’re embarking on a short domestic trip or planning an international adventure, they have policies to suit your needs.

With Tick Travel Insurance, you can expect benefits such as coverage for trip cancellations, medical expenses, lost baggage, and more. They aim to provide travelers with financial protection against unexpected events that could potentially disrupt their travel plans.

Tick Travel Insurance is committed to delivering exceptional customer service. Their team of knowledgeable professionals is available to assist you throughout the entire process, from purchasing your policy to filing a claim. Their goal is to ensure that you have a smooth and hassle-free experience when it comes to travel insurance.

So, whether you’re a frequent traveler or planning a one-time trip, Tick Travel Insurance offers policies that can provide you with the coverage and peace of mind you need. In the upcoming sections of this review, I will delve deeper into their policy coverage and benefits, as well as assess their customer service and claims processing efficiency.

Assessing the Value for Money

When it comes to travel insurance, value for money is a key consideration. After all, you want to ensure that your hard-earned money is well-spent on a policy that offers comprehensive coverage and peace of mind. In this section, I will assess the value for money that Tick Travel Insurance provides, taking into account their pricing and the benefits included in their policies.

One important aspect to consider is the pricing of Tick Travel Insurance. Their policies are competitively priced, making them an attractive option for budget-conscious travelers. However, it’s crucial to remember that the cost should not be the sole determining factor when choosing travel insurance. It’s essential to evaluate the coverage and benefits offered in relation to the price to determine if it truly represents value.

Tick Travel Insurance offers a range of policies to cater to different travel needs. They provide comprehensive coverage for medical emergencies, trip cancellations, lost baggage, and more. By reviewing the policy details, you can assess the extent of coverage provided and determine if it aligns with your specific requirements.

In addition to coverage, Tick Travel Insurance also offers additional benefits that can enhance the value of their policies. These may include coverage for pre-existing medical conditions, 24/7 emergency assistance, and access to a global network of medical providers. Understanding these additional benefits and how they align with your travel needs is crucial in evaluating the overall value.

By comparing the pricing, coverage, and benefits of Tick Travel Insurance against other insurance providers, you can gain a clearer understanding of their value for money. Keep in mind that value is subjective and may vary based on individual preferences and travel requirements. It’s always recommended to carefully assess your own needs and compare multiple insurance options before making a decision.

Policy Coverage and Benefits

In this section, I will dive into the coverage and benefits provided by Tick Travel Insurance. Tick Travel Insurance offers comprehensive coverage to ensure peace of mind during your travels. Let’s take a closer look at both the standard policy inclusions and any additional coverage options available.

Understanding the Standard Policy Inclusions

When you purchase a Tick Travel Insurance policy, you can expect a range of coverage that safeguards you against unexpected events. The standard policy includes coverage for medical expenses, emergency medical evacuation, trip cancellation or interruption, lost or stolen baggage, travel delay, and personal liability. These essential coverage options ensure that you are protected in case of illness, accidents, or unforeseen circumstances that may arise during your trip.

Tick Travel Insurance provides coverage for a variety of travel-related mishaps. Whether it’s a sudden illness or injury, a cancelled or interrupted trip, or even lost or stolen baggage, their policies have you covered. It’s essential to review the specific policy details to understand the extent of coverage and any exceptions that may apply.

Additional Coverage for Peace of Mind

In addition to the standard policy inclusions, Tick Travel Insurance offers optional additional coverage for extra peace of mind. These additional coverage options allow you to customize your policy to suit your specific needs and preferences. Some common additional coverage options include:

• Adventure Sports Coverage: Tick Travel Insurance offers coverage for a wide range of adventure sports activities, including skiing, snowboarding, scuba diving, and more. This ensures that you are protected while engaging in thrilling activities during your trip.
• High-Value Item Coverage: If you are planning to carry valuable items such as electronics, jewelry, or cameras, Tick Travel Insurance offers additional coverage to protect these possessions against theft, loss, or damage.
• Rental Vehicle Excess: Tick Travel Insurance provides coverage for the excess fees associated with rental vehicle damage or theft. This can save you from incurring unexpected expenses while renting a car during your trip.

By opting for additional coverage, you can tailor your travel insurance policy to meet your specific needs and ensure comprehensive protection throughout your journey.

Tick Travel Insurance is dedicated to providing extensive coverage and benefits to their policyholders. Understanding the standard policy inclusions and considering additional coverage options can help you make an informed decision when selecting your travel insurance policy. The next section will focus on reviewing the customer service experiences provided by Tick Travel Insurance.

Tick Travel Insurance Review: Experiences with Customer Service

When it comes to travel insurance, a key aspect to consider is the level of customer service provided by the company. I wanted to know if Tick Travel Insurance lives up to its promise of exceptional customer support, so I delved into my own experiences as well as gathered information from customer reviews.

One of the first things I noticed about Tick Travel Insurance is their dedication to customer satisfaction. Their support team was responsive and helpful throughout my interactions with them. Whether I had questions about policy coverage or needed assistance with a claim, their representatives were knowledgeable and went the extra mile to address my concerns.

What stood out to me was the speed at which Tick Travel Insurance responded to inquiries. It’s frustrating when you have a pressing issue and have to wait days for a response. However, with Tick Travel Insurance, I always received prompt replies, allowing me to resolve any concerns quickly.

The level of customer service I experienced with Tick Travel Insurance truly exceeded my expectations. Their team treated me with respect and professionalism, and I felt valued as their customer.

But don’t just take my word for it – customer reviews further reinforce the positive experiences with Tick Travel Insurance’s customer service. Many customers express their satisfaction with the support they received, emphasizing the responsiveness and helpfulness of the team.

It’s important to note that exceptional customer service doesn’t just end with the purchase of a policy. Tick Travel Insurance continues to provide support throughout the entire policy period, whether it’s assisting with policy changes, answering questions about coverage, or guiding customers through the claims process.

When it comes to choosing a travel insurance provider, having reliable customer service can make all the difference. Tick Travel Insurance’s commitment to delivering top-notch support and satisfying their customers’ needs is evident in both their actions and the positive feedback they receive.

Next, let’s delve into the efficiency and transparency of Tick Travel Insurance’s claim processing in Section 6.

Claim Processing Efficiency and Transparency

When it comes to travel insurance, one of the most crucial aspects is the smooth and efficient processing of claims. As a customer, you want to be sure that your claims are processed quickly and fairly, allowing you to receive the benefits you are entitled to.

At Tick Travel Insurance, claim processing efficiency is a top priority. The company understands that travel emergencies can be stressful, and they strive to provide a hassle-free claims experience for their customers. From the moment you submit your claim, you can expect prompt and professional service.

The comprehensive online claim submission system makes the process simple and convenient. You can easily upload all the necessary documentation and track the progress of your claim in real-time. This transparency ensures that you are always aware of the status of your claim.

Tick Travel Insurance also prides itself on its claims team, who are experienced and knowledgeable in handling travel insurance claims. They work diligently to review and process claims efficiently, minimizing any delays or complications.

Furthermore, the company maintains clear and transparent communication throughout the claims process. You can expect timely updates and effective communication from the claims team, ensuring that you are well-informed every step of the way.

In addition to efficiency, Tick Travel Insurance places a strong emphasis on claims transparency. They believe in being upfront and honest about their claim procedures, coverage limitations, and any necessary documentation. This transparency helps customers understand what to expect and avoids any confusion or surprises during the claims process.

Overall, Tick Travel Insurance strives to provide a seamless and transparent claims experience for their customers. Their commitment to claim processing efficiency and transparency sets them apart and ensures that you can rely on their travel insurance coverage when you need it most.

The Claims Experience: From Lodgement to Resolution

One of the most important aspects of any travel insurance policy is the claims experience. After all, the true test of an insurance provider is how they handle claims and support their customers in times of need. In this section, I will provide an overview of the claims experience with Tick Travel Insurance, focusing on the process of claim lodgement and the overall resolution of claims.

When it comes to lodging a claim with Tick Travel Insurance, the process is straightforward and efficient. The company offers a user-friendly online platform where policyholders can easily submit their claims and provide all the necessary documentation. This streamlined process ensures that claims are lodged promptly and accurately, minimizing any unnecessary delays or complications.

Tick Travel Insurance understands that time is of the essence when it comes to claims, especially during emergencies or unexpected situations. They are committed to providing prompt and responsive support to their customers throughout the claims process. Policyholders can reach out to their dedicated claims team via phone or email for any assistance or queries they may have.

Customer satisfaction is at the forefront of Tick Travel Insurance’s claims handling process. They aim to create a hassle-free experience for their customers by efficiently processing claims and providing timely resolution.

When it comes to claim resolution, Tick Travel Insurance strives to ensure fair and prompt outcomes. They have a dedicated team of claims professionals who assess and evaluate each claim on an individual basis, taking into account the policy terms and conditions. This personalized approach ensures that claims are resolved fairly and in accordance with the policy coverage.

Furthermore, Tick Travel Insurance is committed to maintaining transparency throughout the claims resolution process. They provide clear communication to policyholders regarding the progress of their claims, ensuring that customers are kept informed every step of the way. This transparency helps build trust and confidence in the company’s commitment to customer satisfaction.

Overall, the claims experience with Tick Travel Insurance is characterized by efficiency, responsiveness, and transparency. Policyholders can expect a smooth and streamlined process when lodging a claim, with a dedicated claims team providing support and guidance along the way. The company’s commitment to fair and prompt claim resolution ensures that customers can rely on Tick Travel Insurance when they need it most.

Pre-existing Medical Condition Coverage

When it comes to travel insurance, one important aspect to consider is coverage for pre-existing medical conditions. Tick Travel Insurance understands the unique needs of individuals with pre-existing conditions and offers specific coverage options to provide peace of mind during your travels.

Tick Travel Insurance’s pre-existing medical condition coverage ensures that if you have a pre-existing condition that requires medical attention while you are abroad, you will have access to the necessary medical treatment without worrying about financial burden. It is essential to disclose your pre-existing conditions accurately when purchasing your travel insurance policy to ensure that you are adequately protected.

The terms and conditions surrounding pre-existing medical condition coverage may vary depending on the specific policy you choose. You will need to carefully review Tick Travel Insurance’s policy documents to understand the details of the coverage and any limitations or restrictions that may be applicable.

Tick Travel Insurance aims to provide comprehensive coverage for a wide range of pre-existing medical conditions. Whether you have a chronic illness, require ongoing medication, or have recently received medical treatment, Tick Travel Insurance’s policies are designed to cater to your specific needs.

To find out more about pre-existing medical condition coverage and how it can benefit you during your travels, consult Tick Travel Insurance’s policy documents or reach out to their customer support team. They are dedicated to helping you make informed decisions and providing the assistance you need to ensure a worry-free trip.

For more information, visit the Tick Travel Insurance website or call their customer support hotline to speak with a representative. Don’t let pre-existing medical conditions hold you back from enjoying your travels with peace of mind.

Issues and Concerns Raised by Customers

When it comes to travel insurance, customers often have specific concerns and face various issues. Tick Travel Insurance is no exception, and it’s important to address these concerns to provide a well-rounded review. Two common problems that customers have raised include experiences of denied claims and challenges with customer support.

Experiences of Denied Claims

One of the most frustrating experiences for travelers is having their insurance claim denied. Unfortunately, some customers have reported facing this issue with Tick Travel Insurance. While the specifics of each denied claim may vary, it is a concern that should be taken into consideration when choosing an insurance provider.

It is important to note that travel insurance policies typically have specific terms and conditions that outline the situations in which a claim can be denied. However, customers have expressed dissatisfaction with the clarity and communication around these terms, leading to confusion and disappointment.

“The claim process with Tick Travel Insurance was straightforward, but I was disappointed when my claim got denied due to a technicality that wasn’t clearly explained in the policy.” – Emma, Tick Travel Insurance customer

While denied claims can be a significant concern, it is essential to thoroughly review the policy terms and conditions and seek clarification from the insurer if needed to ensure a clear understanding of what is covered and what is not.

Challenges with Customer Support

Another issue that customers have raised relates to the challenges faced when dealing with Tick Travel Insurance’s customer support. Prompt and efficient customer support is crucial, especially during stressful situations while traveling. However, some customers have expressed frustration with the level of support they received.

Customers have reported difficulties in reaching a representative, delays in response times, and unsatisfactory resolutions to their queries or concerns.

“I had to wait on hold for a long time when I called the customer support helpline. Additionally, the response to my emails was delayed, and I found it challenging to get a satisfactory resolution to my issue.” – James, Tick Travel Insurance customer

Challenges with customer support can significantly impact a traveler’s experience, especially in stressful situations that require immediate assistance. It is important to consider the experiences of other customers and their feedback on customer support when evaluating a travel insurance provider.

Tick Insurance Reviews: Positive Outcomes and Praise

In this section, I want to showcase the positive feedback and reviews Tick Travel Insurance has received from satisfied customers. It’s always good to hear from those who have had positive experiences with the company and have had their travel insurance needs met.

I have gathered testimonials from various sources, including customer reviews and feedback on trusted platforms. These reviews highlight the positive outcomes and praise Tick Travel Insurance has received. Let’s take a look at what customers have to say.

“I recently had to make a claim with Tick Travel Insurance, and I must say that their service exceeded my expectations. The claim was processed quickly and efficiently, and the customer support team was friendly and helpful throughout the entire process. I highly recommend Tick Travel Insurance to anyone in need of reliable travel coverage!” – Sarah M.

“I have been using Tick Travel Insurance for years, and they have always provided excellent coverage and support. Their policies are comprehensive and reasonably priced, and their claims process is straightforward. I feel confident traveling knowing that I have Tick Travel Insurance by my side.” – Peter L.

These positive reviews and testimonials are a testament to the high level of service and satisfaction that Tick Travel Insurance provides to its customers. It’s always reassuring to know that other travelers have had positive experiences with their policies and claims process.

If you’re looking for reliable travel insurance backed by positive customer reviews, Tick Travel Insurance is definitely worth considering. Let their satisfied customers’ experiences speak for themselves.

Comparing Tick Travel Insurance to Other Providers

When it comes to choosing the right travel insurance provider, it’s important to evaluate your options carefully. Tick Travel Insurance may have caught your attention, but how does it measure up against other providers in the market? In this section, I will compare Tick Travel Insurance to its competitors, considering factors such as offerings, benefits, and pricing.

One of the key advantages of Tick Travel Insurance is its comprehensive coverage options. Whether you’re looking for basic coverage or more extensive protection, Tick Travel Insurance offers a variety of policies to suit your needs. Their policies include coverage for medical emergencies, trip cancellations, lost baggage, and more.

However , it’s always a good idea to compare Tick Travel Insurance with other providers to ensure you’re getting the best value for your money. When comparing insurance options, consider factors such as the level of coverage, policy benefits, and the overall cost.

One alternative to Tick Travel Insurance is XYZ Travel Insurance. XYZ Travel Insurance offers similar coverage options and benefits, making it a worthy contender for your travel insurance needs. By comparing the coverage and prices of both providers, you can make an informed decision that suits your individual requirements.

Another alternative worth considering is ABC International Insurance. ABC International Insurance has gained recognition for its competitive pricing and extensive coverage options. By comparing the benefits, coverage, and pricing of ABC International Insurance to Tick Travel Insurance, you can find the best fit for your travel insurance needs.

Ultimately, the decision between Tick Travel Insurance and other providers comes down to your specific requirements and budget. Comparing the offerings, benefits, and pricing of different providers will help you make an informed decision.

After thoroughly reviewing Tick Travel Insurance and analyzing its policies, coverage, customer service, and claims process, I have formed my final thoughts on whether it is a good choice for travel coverage.

Overall, I have found Tick Travel Insurance to be a reliable and reputable provider. Their policies offer comprehensive coverage, including additional options for peace of mind, such as rental car excess and trip cancellation. The pricing is competitive, and the value for money is evident considering the benefits provided.

Furthermore, Tick Travel Insurance demonstrates a commitment to excellent customer service. Their support team is responsive and knowledgeable, ensuring a smooth and satisfactory experience for policyholders. The claim processing efficiency is commendable, with transparent communication and timely resolution of claims.

Based on my assessment, I confidently recommend Tick Travel Insurance for travel coverage. It is a trustworthy option that encompasses essential coverage and delivers a positive claims experience, giving travelers the peace of mind they need while exploring the world. So, when considering your travel insurance needs, Tick Travel Insurance should be on the top of your list.

How does Tick Travel Insurance protect my trip?

Tick Travel Insurance offers a range of policies designed to protect you and your trip. Their coverage includes benefits such as overseas medical and dental expenses, trip cancellation and interruption, lost luggage, personal liability, and more.

What types of travel insurance policies does Tick Travel Insurance offer?

Tick Travel Insurance offers various policies to suit different travel needs. These include single trip policies, annual multi-trip policies, and specific policies for seniors, families, and business travelers.

Can I purchase travel insurance from Tick Travel Insurance if I have a pre-existing medical condition?

Tick Travel Insurance provides coverage for certain pre-existing medical conditions. However, there are conditions and limitations that apply. It is essential to review the terms and conditions of the policy to ensure your condition is covered.

How do I make a claim with Tick Travel Insurance?

To make a claim with Tick Travel Insurance, you can visit their website or contact their claims department. You will need to provide the necessary documentation, such as receipts and proof of travel, to support your claim.

How efficient is the claims processing with Tick Travel Insurance?

Tick Travel Insurance aims to process claims efficiently and promptly. However, the time it takes to process a claim can vary depending on the complexity of the case and the availability of the required documentation.

What happens if my claim is denied by Tick Travel Insurance?

If your claim is denied by Tick Travel Insurance, it is essential to review the reasons provided in the denial letter. You may be able to provide additional information or appeal the decision if you believe it was unjustified.

How satisfied are customers with Tick Travel Insurance’s customer service?

Tick Travel Insurance is committed to providing excellent customer service. While individual experiences may vary, many customers have reported positive experiences with the company’s responsive and helpful customer support team.

How does the pricing of Tick Travel Insurance compare to other providers?

Tick Travel Insurance offers competitive pricing for their policy coverage. It is recommended to compare their prices with other insurance providers to ensure you are getting the best value for your money.

What additional coverage options does Tick Travel Insurance offer?

Tick Travel Insurance offers additional coverage options such as adventure sports coverage, rental car excess insurance, and coverage for high-value items. These options can provide added protection and peace of mind during your travels.

Are there any common issues or concerns raised by customers about Tick Travel Insurance?

While Tick Travel Insurance strives to provide excellent service, some customers have reported issues with denied claims or challenges with customer support. It is important to address any concerns directly with the company to seek resolution.

How do customers rate their experiences with Tick Travel Insurance?

Many customers have shared positive reviews and testimonials about their experiences with Tick Travel Insurance. These reviews highlight the company’s efficient claims processing, helpful customer support, and overall satisfaction with the coverage provided.

How does Tick Travel Insurance compare to other insurance providers in the market?

Tick Travel Insurance offers competitive coverage and benefits compared to other insurance providers. It is recommended to compare their offerings, benefits, and pricing with other providers to determine the best option for your travel needs.

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When to Buy Travel Insurance

After spending seven years in the U.S. Air Force as an Arabic linguist, Carissa is now a freelance writer using points and miles to fund a four-year (and counting!) adventure. She previously worked as a reporter for The Points Guy. Her writing has since been featured in numerous publications, including Forbes, Business Insider, and The Balance. When she's not flying, you'll usually find her in a Priority Pass lounge somewhere, sipping tea and cursing slow Wi-Fi.

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

Planning a trip involves a lot of moving parts, and while you want everything to go smoothly, the truth is that unexpected things can happen. In these cases, travel insurance can help make those issues easier to deal with — whether it’s by paying for your hospital bills in another country or reimbursing you for lost luggage.

However, the types of travel insurance that are available to you depend on when you purchase your policy. Let’s look at when to buy travel insurance, how late you can buy travel insurance and what different policies can offer.

The different types of travel insurance

There are many different kinds of travel insurance coverage depending on your needs. Here are some of the most common.

Trip cancellation insurance . Will reimburse nonrefundable costs when your trip is canceled due to a covered event. 

Trip interruption insurance . Pays costs incurred when a trip is cut short for a covered reason. 

Trip delay insurance . Provides financial assistance in case your flight is delayed beyond a certain amount of time.

Travel medical insurance . Covers medical costs for illness or accidents that arise during your travels.

Emergency evacuation insurance . Pays for the cost to evacuate you elsewhere (reasons can vary from medical to extreme weather).

Accidental death and dismemberment (AD&D) insurance . Like life insurance, it provides a payout to a beneficiary in the event of death or dismemberment during travels. 

Baggage loss insurance . Will reimburse you if your bag is lost, stolen or damaged.

Rental car insurance . Provides insurance for collision and damage to a rental car.

Cancel for Any Reason insurance (CFAR). An optional add-on that covers a portion of nonrefundable costs if you choose to cancel your trip for any reason.   

» Learn more: What does travel insurance cover?

How early can you buy travel insurance?

Understanding when to get travel insurance can make a big difference in the policies you’re able to purchase. Typically, you can’t buy one before knowing some details about your trip.

While it’s possible to purchase a policy before you’ve booked your flights or made other travel plans, many insurers ask you for information about your trip to help you find the correct insurance. This means you’ll need to at least know where you’re going, when you’re going and the cost of your trip before purchasing travel insurance.

Multi-trip or annual travel insurance can cover you for a year with a single purchase. This is convenient if you travel frequently or take last-minute trips.

When to purchase travel insurance

So if you can’t buy travel insurance before doing some preliminary trip planning, you might be wondering “When should I buy travel insurance?” The answer to that is that it depends on what you want covered.

This is because not all types of coverage are available at all times. Two notable examples include CFAR insurance and pre-existing medical conditions.

CFAR insurance is a supplement to your existing policy that allows you to cancel your plans for any reason. Standard trip cancellation or interruption insurance requires that you cancel for a covered reason to receive reimbursement. Covered reasons may include sickness, death, job loss or financial insolvency, but CFAR insurance faces none of these limitations.

Many insurance companies only give you a short window to purchase a CFAR add-on. This will generally be within two to three weeks of your initial trip deposit, but the deadline varies by insurer so be sure to double-check if you’re interested in this type of coverage.

Likewise, many travel medical policies specifically exclude coverage of pre-existing health conditions — unless you take some additional steps in a timely manner. Some policies will cover acute re-occurrence of the pre-existing condition, provided you complete a waiver within a specific time period, usually within two weeks of your first trip payment.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

When is it too late to buy travel insurance?

It’s a good idea to purchase travel insurance sooner rather than later, especially if you’re interested in any time-sensitive add-ons. However, running late on buying insurance doesn’t mean that you’re out of luck.

While you’ll likely get better coverage if you buy a policy soon after making an initial payment on your trip, it’s still possible to buy a plan if your trip is days away — or if you’ve already departed. Typically, these plans may include things like trip interruption, emergency medical and baggage delay coverage, but they won’t provide trip cancellation or other pre-departure benefits.

Credit cards that offer travel insurance

It’s tempting to purchase a travel insurance policy when planning a trip, but before you do, you’ll want to do some research. Many travel credit cards offer complimentary travel insurance. To qualify, you’ll need to pay for your trip with your card. Keep in mind that different cards have different coverage limits.

The Chase Sapphire Reserve® card, for example, is a premium travel credit card that provides a wide range of coverage:

Trip cancellation, interruption and delay insurance. 

Baggage delay and lost luggage insurance. 

Emergency medical and evacuation insurance. 

Travel accident (AD&D) insurance. 

Rental car insurance. 

The coverage offered by the Chase Sapphire Reserve® isn’t limited to just the cardholder; immediate family members are also included in this policy. They don’t even need to be traveling with the cardholder to receive coverage as long as the trip was charged to the card.

» Learn more: The best credit cards for travel insurance benefits

When should you buy travel insurance?

Purchasing travel insurance isn’t mandatory for a good vacation, but it can certainly come in handy if your plans go awry. While it’s possible to buy travel insurance up until just before — or even after — you depart, the best time to do so is shortly after you begin booking the trip. This allows you to provide the information required to buy a policy while also remaining eligible for time-sensitive add-ons and benefits like trip cancellation.

Before you purchase travel insurance, however, you’ll want to take a look at any travel credit cards you own to see what types of complimentary insurance they offer.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

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

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

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

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

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Tick Travel Insurance: Evaluating the Pros and Cons in this Review

Embarking on a journey to new destinations brings excitement, adventure, and unforgettable experiences.

However, amidst the anticipation lies the responsibility of safeguarding oneself against unforeseen circumstances. This is where travel insurance becomes a crucial aspect of travel planning. In our quest to uncover the finest travel insurance options, we delve into the world of Tick Travel Insurance, a company that promises simplicity and tailored coverage for every traveler\’s needs.

With a firm belief that acquiring and comprehending travel insurance can often be a tedious process, Tick Travel Insurance has set out to redefine the insurance landscape. In this article, we explore the company\’s core values, its parent company EUROP ASSISTANCE, and the extensive benefits it offers to travelers around the globe.

Join us as we navigate through the intricate details, services, and customer-centric approach of Tick Travel Insurance, shedding light on why they are a noteworthy player in the insurance industry. Whether you\’re a frequent flyer or embarking on a once-in-a-lifetime journey, understanding the ins and outs of Tick Travel Insurance will equip you with the knowledge necessary to make an informed decision when protecting your travels.

So, fasten your seatbelts, and let\’s embark on a captivating exploration of Tick Travel Insurance, unraveling the simplicity, reliability, and efficiency they bring to the world of travel insurance.

Table of Contents

About Tick Travel Insurance

Tick Travel Insurance is a wholly owned subsidiary of EUROP ASSISTANCE, which is a part of the global Generali Group. With a presence in over 200 countries, EUROP ASSISTANCE boasts a vast network of more than 750,000 assistance providers. Every year, they handle an average of 10 million assistance interventions, supporting travelers worldwide. In 2019 alone, EUROP ASSISTANCE provided aid to 1.2 million travelers, according to the official website.

As a subsidiary of the Generali Group, EUROP ASSISTANCE is part of one of the largest global insurance and asset management providers. Established in 1831, Generali operates in 50 countries worldwide, with over 72,000 dedicated employees serving 65.9 million customers.

Tick Travel Insurance understands that searching for travel insurance and trying to comprehend its intricacies can often be a tedious task. That\’s why we prioritize simplicity. Our goal is to eliminate the confusion and complexity surrounding travel insurance, providing you with coverage that suits your needs and holiday plans.

Benefits of using Tick Travel Insurance

• Medical & Hospital Benefits : Tick Travel Insurance provides coverage for medical expenses and hospitalization while traveling. This ensures that you are financially protected in the event of an unexpected illness, injury, or medical emergency during your trip.
• Emergency Costs : In case of unforeseen emergencies such as natural disasters, accidents, or political unrest, Tick Travel Insurance covers the additional expenses incurred for emergency accommodation, transport, and alternative travel arrangements.
• Cancellations, Curtailments & Journey Resumptions : Tick Travel Insurance offers coverage for trip cancellations or curtailments due to unforeseen circumstances such as illness, injury, or other valid reasons. They also provide assistance in resuming your journey if it was interrupted.
• Pre-Existing Medical Conditions : Tick Travel Insurance understands the importance of addressing pre-existing medical conditions. Depending on the policy, they may provide coverage for certain pre-existing medical conditions, ensuring peace of mind while traveling.
• Travel Delay Expenses : If your trip is delayed due to reasons beyond your control, such as flight cancellations or severe weather conditions, Tick Travel Insurance covers additional expenses like accommodation and meals during the delay.
• Baggage & Valuables : Tick Travel Insurance provides coverage for loss, theft, or damage to your baggage and personal belongings while traveling. This ensures that you are financially protected if your belongings are lost or damaged during your trip.
• Baggage Delays : In case your checked-in baggage is delayed for a certain period of time, Tick Travel Insurance offers reimbursement for essential items such as clothing and toiletries, providing temporary relief until your baggage is delivered.
• Passports & Money : Tick Travel Insurance offers assistance and coverage in case of lost or stolen passports, as well as coverage for loss or theft of money while traveling.
• Personal Accident & Loss of Income : Tick Travel Insurance provides coverage for personal accidents resulting in injury, disability, or loss of life during your trip. They may also offer coverage for loss of income due to an accident while traveling.
• Personal Liability : In the event that you accidentally cause injury to someone else or damage their property while traveling, Tick Travel Insurance offers coverage for personal liability claims, protecting you from potential financial burdens.
• Pet Care : If you are traveling with a pet and require emergency veterinary treatment or additional expenses for pet care, Tick Travel Insurance may provide coverage for such situations.
• Excesses : Tick Travel Insurance may have excesses or deductibles that apply to certain sections of your policy. This means that you may be responsible for a certain amount of the claim before the insurance coverage comes into effect.
• Rental Vehicle Excess Waiver : If you plan to rent a vehicle during your trip, Tick Travel Insurance may offer a rental vehicle excess waiver, which covers the excess or deductible amount you would be liable for in case of damage or theft of the rental vehicle.
• Children & Dependents : Tick Travel Insurance understands the importance of family travel. They may provide coverage specifically tailored to children and dependents, ensuring their well-being and protection during the trip.

Tick Travel Insurance Reviews: Pros and Cons

• Affordable : Tick Travel Insurance offers competitive pricing, making it an affordable option for travelers seeking comprehensive coverage without breaking the bank. This ensures that you can protect your trip without straining your budget.
• Comprehensive coverage : Tick Travel Insurance provides extensive coverage options that encompass various aspects of travel, including medical expenses, trip cancellations, baggage protection, personal liability, and more. This comprehensive coverage gives travelers peace of mind, knowing that they are financially protected against unforeseen circumstances.
• 24/7 claims hotline : Tick Travel Insurance offers a dedicated claims hotline that operates 24 hours a day, seven days a week. This ensures that you can reach out for assistance and file claims at any time, regardless of your location or time zone, providing convenience and prompt support when needed.
• Good customer service : Tick Travel Insurance prides itself on providing excellent customer service. Their knowledgeable and friendly staff are trained to assist customers with any inquiries, concerns, or claims throughout their travel insurance journey. This ensures a positive and hassle-free experience for policyholders.
• Can be slow to process claims : One potential downside of Tick Travel Insurance is that the claims process may sometimes take longer than expected. Delays can occur due to various factors, including the need for additional documentation or verification. While they strive for efficient claims processing, some customers may experience delays.
• Some exclusions may apply : Like any insurance policy, Tick Travel Insurance has certain exclusions and limitations outlined in the terms and conditions. It\’s important for travelers to carefully review these exclusions to fully understand the scope of coverage. Some specific scenarios or activities may not be covered, and it\’s essential to be aware of these limitations.
• Not available in all countries : Tick Travel Insurance may not be available in every country worldwide. Travelers should check if the coverage is applicable to their specific destination before purchasing a policy. It\’s recommended to verify the availability and terms of coverage for the intended travel location to ensure suitability.

How To Use Tick Travel Insurance

Here are the steps on how to use Tick Travel Insurance:

• Go to the Tick Travel Insurance website and create an account.
• Select the type of travel insurance you need.
• Enter your travel details, including your destination, dates of travel, and mode of transportation.
• Choose the level of coverage you want.
• Pay for your policy.
• Download and print your policy.
• Once you have purchased your policy, you will be covered for any unforeseen events that may occur during your trip. If you need to make a claim, you can do so by contacting Tick Travel Insurance\’s 24/7 claims hotline.

Tick Travel Insurance Contact

Website : tickinsurance.com.au Email : [email protected] (Complaints), [email protected] (Emergencies & Claims) Phone : +612 9333 3963 Address : Tick Insurance Australia Suite 1.04, Level 1, 19 Harris Street Pyrmont, 2009 Sydney NSW

Tick Travel Insurance stands out as a reliable and affordable option for travelers seeking comprehensive coverage and peace of mind during their journeys. With competitive pricing, extensive coverage options, and a dedicated 24/7 claims hotline, they strive to provide excellent customer service and support.

While there may be some drawbacks, such as potential delays in claims processing and certain exclusions, Tick Travel Insurance\’s commitment to customer satisfaction remains strong. By thoroughly reviewing the policy terms and conditions and understanding the coverage limitations, travelers can make well-informed decisions and tailor their insurance plans accordingly.

If you have had experience with Tick Travel Insurance, we encourage you to share your thoughts and feedback by leaving a review in the comments section below. Your valuable insights can assist fellow travelers in making informed decisions and provide valuable feedback to the company.

Remember, travel insurance is an essential aspect of trip planning, offering protection and financial security when unforeseen circumstances arise. Consider Tick Travel Insurance as a viable option, and don\’t forget to share your experiences to help others in their insurance decision-making process. Safe travels!

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Can you add travel insurance after booking a flight?

June 20, 2024 | 3 min read

Unexpected events can happen when you’re traveling, whether you’re seeing the bright lights of New York City or the ancient ruins of Rome. Travel insurance can help protect you from financial losses when the unexpected happens.

Learn more about travel insurance, including how to add it after you book your flight.

What you'll learn:

Travel insurance can cover canceled flights, lost luggage, unexpected medical expenses and more.

It’s common to buy travel insurance for a flight soon after it’s booked. Travel insurance can typically be added later as well, closer to a flight’s departure. 

Travel insurance is offered to some Capital One Venture and Venture X cardholders through Visa® and Mastercard®.

Earn 75,000 bonus miles

Redeem your miles for flights, vacation rentals and more. Terms apply.

Quick overview: What is travel insurance?

Travel insurance is designed to help protect people from financial losses related to travel. 

Travel insurance policies can be bought in several ways including online, from a travel insurance company or through a tour operator. Some credit cards offer travel insurance as well—often through credit card networks like Visa and Mastercard. For more information about your card’s benefits, check out its benefits guide .

The cost of travel insurance varies by policy. So does the coverage. For example, comprehensive travel insurance typically includes major events as part of a single plan. There may also be policies to cover specific events.

Major events that might be covered by travel insurance include: 

Trip delay or cancellation

Lost luggage or personal belongings

Medical expenses incurred during travel

Some insurance plans may also cover expenses related to lost passports, rebooked flights and cash wires.

When to buy travel insurance

Planning a trip can come with a long to-do list. There’s everything from putting together your packing checklist to deciding on the best time to book a flight . You may also decide to get travel insurance. Before you do, you may want to check your credit card’s guide to benefits since some cards offer travel insurance as a benefit.

When it comes to timing, one option is to buy travel insurance soon after you’ve booked your flight. 

Depending on your card, you may be able to add travel insurance later, closer to your flight’s departure. One potential benefit of waiting is added flexibility. You’ll likely have more details about your trip then and could better match the insurance you buy to the needs of your travels. But keep in mind that buying close to your flight could affect your coverage options.

Other ways to add flexibility when you’re planning a trip

While you’re thinking about timing and flexibility, it may help to know that Capital One cardholders can take advantage of flexible booking options when they book through Capital One Travel . For example, you can add the option to cancel a flight for any reason. 1 You can also add the option to quickly rebook a delayed or canceled flight on any airline we offer—or, if you’re not satisfied with your rebooking options, get back 100% of your original ticket cost and keep your flight with the airline. 2

Key takeaways: when to buy travel insurance

Travel insurance can help protect you financially from unexpected events that can happen with travel.

Some travel credit cards come with travel insurance when you book using that card. Check your card’s benefits guide for more information. And if you’re a new Venture or Venture X cardholder, you have the opportunity to earn 75,000 bonus miles that you can redeem for flights, hotels, vacation rentals and more.

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