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15% off Travel Insurance @ Tick Travel Insurance

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15% off Travel Insurance @ Tick Travel InsuranceAffiliate
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Hybroid on 18/12/2022 - 19:04 tickinsurance.com.au (2066 clicks)
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Tick Insurance are offering 15% off new policies due to recently being awarded as Canstar 2022 Award Winner for Outstanding Value.

Their Standard and Top Cover policies do cover COVID-19 and seem to have higher general inclusion values than CoverMore or World2Cover, albeit with higher $200 default excess.

Expire Date: 31/12/2022

Booked with them before as the PDS inclusions suited my needs, but haven't needed to make a claim. YMMV.

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closed Comments

  • dyziplen on 18/12/2022 - 19:16
    +3

    Get a credit card with complementary travel insurance?

    Or a debit card (NAB or Commbank, 10 per month fee) with complementary insurance.

    • dcep on 18/12/2022 - 19:32
      +8

      Need to beware on T&C of free complementary travel insurance from credit card.
      They all varies.

      Some only cover trips up to 30 days.
      Some only apply to airfares charged >$500 min.
      Some only eligible for age up to 65 years old.

      And heaps more hoops or exclusions with minimal coverage and compensations plus excess fees.

      • iNeed2Pee on 18/12/2022 - 19:47
        +1

        You need to be aware of all companies to be fair.
        Ironically with CBA credit card they still offered better travel coverage than paying with others.

        • FredAstair on 18/12/2022 - 21:01

          Keen to know more please.

        • madreece on 18/12/2022 - 23:44
          +1

          It's the only card I don't churn because of the great travel insurance, You don't even need to spend any money on the card for the travel to be covered.

          • iNeed2Pee on 19/12/2022 - 00:05

            @madreece: Has come in handy booking my Europe stuff without charging me an international fee. Fairly accurate with the currency conversion as well.
            As you can tell I’m a novice with this stuff haha

        • Robot16 on 19/12/2022 - 11:16

          Is the insurance for any specific CBA credit card? Thanks

          • madreece on 19/12/2022 - 14:47

            @Robot16: International travel insurance is included with Low Fee Gold, Low Rate Gold, Gold Awards^, Platinum Awards, Diamond Awards and Ultimate Awards CommBank credit cards and World Debit Mastercard when you activate your insurance in NetBank, the CommBank app or by contacting Cover-More.

            Then you, your spouse and up to 10 accompanied children, if they’re travelling with you for the entire journey, are protected.

      • dyziplen on 18/12/2022 - 19:52

        Thats the same thing with everyone.

        If memory serves, TID was offering travel insurance specifically excluding covid when the borders was opening up.

        • dcep on 18/12/2022 - 19:59
          +2

          True, just saying it's not as easy as simply getting a Credit Card with free travel insurance then go ahead traveling, when you thought you had it with the big FREE TRAVEL INSURANCE ads , not until reading the 50 pages T&C only to be told you're not even eligible.

          • iNeed2Pee on 18/12/2022 - 20:09
            +1

            @dcep: Yeah I was actually skeptical about credit card insurance when my partner said we should use it.

            She went through it side by side with others and only found the rental car excess to be slightly less than other but with the option of spending a few dollars to up it we did.

            Everything else marries up, but you are right in terms of making sure you read the terms and conditions!

            • jobargain on 18/12/2022 - 23:03

              @iNeed2Pee: I'm always confused about rental car excess.
              Does it actually cover the NOC (non operational cost) charge in the case of an accident and the car needs repairs

      • [Deactivated] on 18/12/2022 - 20:00
        +1

        I booked Business class flights with points, so yes some of us require travel insurance.

        • dcep on 18/12/2022 - 20:05
          +1

          I know certain CBA cards offer free travel insurance without any spending, you just have to activate it before traveling.

          But unsure if it comes with annual fees for the card itself.

        • BuyNowThinkLater on 19/12/2022 - 22:42

          are you not covered with the free travel insurance if you book with points?

          I tried checking it for 28degrees and there is a clause:

          Coverage for other trips within the 12-month period from the date of the Qualifying Transaction is provided automatically when
          the entire cost of the Common Carrier passenger fare has been charged to Your Eligible Card.

          Not sure if this means that any flights booked with points + tax is ineligible.

          • The Hobo on 20/12/2022 - 12:02

            @BuyNowThinkLater: I would think that points and tax is ineligible based on that definition.

            The Citi Prestige card I just got says it covers trips with points if at least 15,000 points were transferred from the card into that airline group in the 12 months prior to travel or something along those lines.

            I've booked my flights with points to NZ next month, but didn't have the above card. My other two CC's gave no allowance for points. One of them allows if you book a certain amount of accommodation, but all of my accommodation is only paid for the day before arrival at each destination. I wasn't sure if that would be work out if we had to cancel for whatever reason, so decided to just pay for tick insurance to be safe.

      • FredAstair on 18/12/2022 - 21:01

        Also, I believe, some expect you to buy your holiday with that card to be eligible for the travel insurance .

    • Ulysses31 on 18/12/2022 - 20:21

      Included insurance is rarely comparable. Even cheap insurance is something to seriously think-twice about.

    • shutuptakemymoney101 on 18/12/2022 - 20:33

      I'm a second named driver (domestic rental) policy, will be clarifying tomorrow but I think (with HSBC at least) vehicle excess coverage is for the HSBC credit card client and/or rental car policy holder), we currently don't think it extends to just 'named' drivers.

      If so $62.84 will be a cheaper option to the rental company excess waiver surcharge.

    • ariann on 18/12/2022 - 20:36
      +2

      Also Commbank travel Insurance only requires you to register your trip. No requirement to buy the ticket or spend on travel related expenses on the credit or the debit card to get the travel insurance cover.

      • Uncle Roger on 18/12/2022 - 20:50

        So I sign up for their debit card, and all I have to do is register my trip, and that covers my entire family?

        • shutuptakemymoney101 on 18/12/2022 - 20:54

          Doubtful, there is no such thing as a free lunch (especially with the Commonwealth) so it would need to be a 'credit' card and would likely come with an annual fee which may or may not be waivered under certain circumstances.

          • dyziplen on 18/12/2022 - 21:02

            @shutuptakemymoney101: Its a debit card, 10/month fee. Not the standard one.

            https://www.commbank.com.au/content/dam/commbank-assets/bank…

            So 120 per year and on par with many of the credit cards, and no points as well.

            NAB's platinum is similar, but 1% cash back up to 10 bucks to re-coup the 10 dollar monthly fee, no points as well, but up to 90 day travel.

            In short, credit cards are probably the better option. But paying 10 bucks for a couple month to get a basic travel insurance ain't bad either.

            • shutuptakemymoney101 on 18/12/2022 - 21:10

              @dyziplen: That's great if they offer something like that, with Comm Bank I'd be asking "What's the catch?" lol

            • Sweet3st on 19/12/2022 - 10:40

              @dyziplen: I thought the World debit card was by invitation only?

  • dcep on 18/12/2022 - 19:20

    This product is suitable:
    • If you are a citizen or permanent resident of Australia.
    • If you are a non-permanent resident of Australia and you have a valid Medicare, Private Health Fund or
    Overseas Student Travel Insurance in Australia.
    • If you have a medical condition or have had a medical condition in the past 5 years and you are happy
    to have a medical assessment.

  • Uncle Roger on 18/12/2022 - 19:25
    +11

    After doing much research on travel insurance over the past few weeks, Insureandgo worked out the best as far as coverage goes (for a family of 4 travelling to the UK and USA), as well as price. Used code GROUPON20 and saved 20%, paying under $350 for a 20 day trip.

    Excess is also only $100.

    For some reason when I tried using a code with Tick last week, it gave me the exact same price I got without a code…

    • freewhere on 18/12/2022 - 19:29

      Most cards give you travel insurance, and some even cover covid related expenses.

      • mac2403 on 18/12/2022 - 19:34

        Only for the card holder though right?

        • freewhere on 18/12/2022 - 19:46
          +1

          No, complete family. I use Comm bank gold credit card. Unlimited trips, can setup insurance online within 10 mins, and covers whole family. Never spent a cent on insurance, my card use makes it free, otherwise it's like $100/yr i think.

          • Xizor on 18/12/2022 - 20:04
            +1

            @freewhere: Devil is in the detail. A few of the cards I've had in the past had some pretty rotten exclusions and excesses. In the proccess of hunting at the moment for 2 trips next year and noticed some are excluding travel delays/cancellations too.

            • Ulysses31 on 18/12/2022 - 20:23
              +2

              @Xizor: The first condition they used to make: vast majority (or all) travel related costs must be spent on that card.

    • mac2403 on 18/12/2022 - 19:39

      Looks like both have the same underwriter but higher coverage amounts with insureandgo.

      • Uncle Roger on 18/12/2022 - 19:42
        +1

        Right…. and lower excess… and better discount :D

    • Bargainated on 18/12/2022 - 21:40

      Thanks for sharing the code. Just used it to purchase for me and the Mrs and they even covered a pre existing Medical condition for no extra cost! Coverage seems pretty decent also.

  • Herb Utsmellz on 18/12/2022 - 19:41
    +2

    Damn no cruise cover…

    • Pobman on 18/12/2022 - 23:02

      Cover More with code TRIPS15 was the best value cruise with basic C19 cover for us, though it was still way more than we’ve normally paid. Qantas was surprisingly good value in their quote too.

      • Herb Utsmellz on 19/12/2022 - 07:38
        +1

        Bit confusing, did a quote for family of four with the code and was $229. Then progressed to enter details adding no other inclusions and the "plan total" was $425…

        • corgicorgi on 19/12/2022 - 08:53

          Same. Now I have to cancel it as Allianz was $50 cheaper even without the code

        • Pobman on 19/12/2022 - 14:37

          Priced up for a new quote for same dates and it's gone up considerably compared to last month. Checked Qantas insurance and they were still same price, so cheaper now.

        • Pobman on 19/12/2022 - 15:20

          It goes up because even though you specify 'cruise' on the first page the additional amount they charge for cruise cover does not actually get added until you progress. This amount basically doubles the costs of the insurance now.

          It seems anything with the magic combination or cruise and covid cover is being heavily loaded now.

  • stralya on 18/12/2022 - 19:58
    +7

    The last time I had to claim with Tick, it was a nightmare. They tried to nickel and dime us to try to reduce the payout. They had a different payout for delays less than a day and delays more than a day. Our scheduled flight was moved by 23 hours, and in reality was about 26 hours because it ended up taking off 3 hours late. They would only consider 'scheduled departure time' for calculating delay. All this to avoid a genuine payout of less than $100 (after excess). Never using them again. But then, YMMV.

  • shutuptakemymoney101 on 18/12/2022 - 20:29

    Thanks OP, came at a good time to cover rental vehicle excess for a domestic trip I will be taking shortly.

  • Utsav23 on 18/12/2022 - 20:41

    How does this travel insurance compare with Freely (available now at a discount of 20%)

    • sidoz on 18/12/2022 - 21:07
      +2

      Only way to know is to compare the PDS. I looked into Freely the other day and it excluded travel/transport (think flights) delays and cancellations which i thought was pretty darn rotten. Show stopper for me.

      • sidoz on 28/12/2022 - 10:23

        Update on this… travel delay is now showing up as a booster for Freely. Wasn't there a few weeks ago when i tried, so that is something positive.

  • dynaflow on 18/12/2022 - 21:07
    +3

    Oh dear,possibly one of the oldest chestnuts on this Forum,so at the risk of reiteration (and as some have already mentioned) do NOT rely on the "free" travel insurance offered by most banks.Tick is a reliable insurer with a good underwriter and I have used them without issues a few times.You heard it here.

    • dyziplen on 18/12/2022 - 21:31

      NAB travel insurance is underwritten by Allianz

      • imurgod on 18/12/2022 - 21:40
        +1

        FWIW it makes no difference who the policy is underwritten by as the PDS is written by the bank. The underwriter merely pays the claims.

        Banks have the worst policies for everything with the worst claims paying experience.

        This is amplified when you're stuck overseas.

    • treebytheriver on 18/12/2022 - 22:11

      AMEX travel insurance was excellent. Just saying

    • KanTakahashi on 19/12/2022 - 15:58

      AMEX Travel Insurance (Chubb) is quite good though

  • Synticulous on 18/12/2022 - 21:43

    Funny, they wouldn't take the airline announcement that the flight was cancelled for maintenance despite plane maintenance being one of the insured terms. Back and forth and they wanted the airline to call them.

    Twisted their arm a little and got their licencee involved to get a resolution, but I felt it more so that the person on the phone was a bit clueless.

    Really cheap tho. Just be prepared to know the PDS and push on it.

  • dynaflow on 18/12/2022 - 21:46

    It's primarily due to the exclusions that always put Bank travel policies into question….well that and the fact that many either don't read the PDS or don't understand it if they do.I'm not questioning the integrity of Alliance….and always make sure your policy covers "Emergency Medical Evacuation".This means repatriation back to Australia and our first class medical facilities and practitioners.

  • pkjames on 18/12/2022 - 21:57

    can't edit cover, only very limited cover on delays (think ShitStar), almost no cover on snow. Useless IMO.

  • treebytheriver on 18/12/2022 - 22:10

    Does this cover for travel in Australia?
    I'm dumb, there is a "domestic" option.

  • steve0123 on 18/12/2022 - 22:55
    +1

    I could not discourage you from using this company any further. I put in a claim for a broken phone in July, it's was finally approved this week (There was no issues with the claim it's self). It takes two-three weeks to receive a response and lots of multiple's of the same emails/questions/requests for info they already had. It appeared they were deliberately stalling but that's only speculation because if it wasn't that, they have dreadful service. 0 stars.

  • edumacation on 18/12/2022 - 23:05

    Damn I bought with 10% a few days ago, ah well would have only saved $5 or less

    • The Hobo on 19/12/2022 - 14:17

      Yup same, would have saved $12. You can cancel your original policy in 14 days and get a new one - though I can't find an easy way to cancel online.

      • edumacation on 19/12/2022 - 14:39
        +1

        Not really worth my time if anything screws up along the way

  • BlueSky84 on 19/12/2022 - 00:45

    No cruise cover though…..

  • CMH on 19/12/2022 - 04:12

    Bought this. Just wanted the cheapest Covid cover to enter the Pacific Islands on my cruise. Bought the Standard package.

    • Herb Utsmellz on 19/12/2022 - 09:19

      But it doesn't include cruise cover?

      • CMH on 19/12/2022 - 10:52

        Didn't want cover for the cruise. Like I said, just to enter the Pacific islands.

        They require covid insurance for you to step foot onto land.

        • Herb Utsmellz on 19/12/2022 - 12:53

          Ok well different cruise company than im going on then. They required it.

          • CMH on 19/12/2022 - 14:23

            @Herb Utsmellz: I'm going with RCI. I just checked their website and confirmed there that the insurance required is only COVID cover to enter New Caledonia, not the cruise itself.

            • Herb Utsmellz on 19/12/2022 - 14:32

              @CMH: Fair enough, we are going with carnival. For $230 its not too bad for 12 nights for 4 gold cover.

              • CMH on 19/12/2022 - 15:00

                @Herb Utsmellz: I paid about $90 total for 2 people.

                Cover is different obviously but was looking for the cheapest. I don't anticipate making any claims and wouldn't have bought it if it wasn't required.

  • antheads on 19/12/2022 - 06:34
    +1

    check out the PDS tho. Seems they can deny every claim on spurious grounds. would avoid.

    "We will not cover claims if you or any insured
    person on your policy:
    a) Has in the last 5 years suffered from or
    received medical advice, treatment or
    medication for:
    - any heart related, blood circulatory or
    diabetic condition; or
    - any neurological condition (including stroke,
    brain haemorrhage or epilepsy); or
    - any breathing condition; or
    - any arthritic condition, back pain or
    osteoporosis; or
    - any bowel condition (including Crohn’s
    disease or IBS); or
    - any psychiatric or psychological condition
    (including anxiety or depression); or
    - any cancerous condition.
    b) has been referred to or seen by a hospital
    doctor, specialist or surgeon (other than an
    accident and emergency doctor), or needed
    inpatient treatment in hospital in the last 12
    months.
    This is unless you
    a) select a Standard or Top cover, and;
    b) have told Tick Travel Insurance about your
    condition and we have accepted it. "

  • lalala1111 on 19/12/2022 - 08:15

    Thanks OP just got it for a trip interstate tomorrow, mostly to cover for car rental excess

  • Dick10 on 19/12/2022 - 08:19

    Pre existing Medical exclusions are prohibitive as mentioned.

  • Dick10 on 19/12/2022 - 08:32

    Insureandgo quote $200 for breathing issues on top of $362 premium for pre-existing medical condition. Typical insurance company pricing strategy.

  • Dick10 on 19/12/2022 - 08:54

    Tick quotes have been jacked from quote late last week.

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