Tick Travel Insurance Questions & Answers (page 3 of 6)

Hi Kath, thanks for reaching out - good question.

Yes, we will provide cover for medical evacuation, which will relocate you to a suitable medical facility, or back home to Australia, as long as the medical situation is assessed and it is deemed medically necessary. I hope this helps.

Thanks, Anna

Hi Elaine, thanks for reaching out.

We do provide cover in the case of financial default of any scheduled service airline, hotel, accommodation provider, motor vehicle rental or hire agency, bus line, shipping line or railway company. We provide cover if you have to re-arrange your trip, if your trip has to be cancelled because you cannot re-arrange it, or if you have to return home because of the financial default of an above company, and this causes you to incur additional expenses. However, as with any insurance, there are some exclusions, which include financial default of travel agents, tour operators or booking agents.

Thanks, Anna

Hi Elaine, I'm genuinely sorry for your friends missing out on their holiday. I'm afraid I can't comment on how your insurer handled your case, but making an exception in one case is unfair on other customers that don't get the same special allowances made. This is why we are consistent in evaluating all claims against our PDS, which seems to exclude the situation your friends are in - although I am not part of the claims team, nor am I familiar with the exact details of their claim. I feel terrible for the situation your friends find themselves in, but we aren't able to make a change to our policies for one case, as it would mean evaluating some claims differently from others. I'm very sorry your friends are going through this, and they are able to appeal the decision of their claim by emailing [email protected]. This will trigger a re-investigation of their case by a team independent of claims. I hope this helps in some way. Thanks, Anna

Hi there, thanks for reaching out.

Unfortunately, you aren't able to purchase our travel insurance for the final 30 days of your trip. The reason for this is that your policy start date must be the date you leave on your travels, and you cannot purchase travel insurance from us after you have already arrived at your destination. I would recommend seeing if our cover is right for you, and if it is, purchasing a policy from us that covers your entire 90 day journey. Alternatively, if you have already purchased, we have a 14 day cooling off period, within which you are able to get a full refund on your policy as long as you have not already used any of the benefits of your policy, or commenced travel.

I hope this helps. Thanks, Anna

Hi MariMar, thanks for reaching out.

Yes, I'm pleased to say we would be able to provide you with cover for up to 365 days at a time. I would really like to be able to provide you with a quote, but I'm not qualified to quote you, and there are too many factors that would affect your premium. It's fast and easy to get a tailored quote online by going to our website: https://www.tickinsurance.com.au/. Here you can declare any medical conditions and get a price instantly.

I hope this helps.

Thanks, Anna

Hi jsh, we consider a family as two adults who are in a partner relationship and their accompanying dependent childre. If you are travelling with you sister, you would need to select cover for individuals but you can still buy a policy together. If you have any other questions, please send us an email to [email protected]

Hi Jayne, thank you for your enquiry. Please send us an email to [email protected] with your policy details and one of our agents will get back to you shortly. Regards, Anna

Hi Girltoni, thanks for the question.

Your daughter would be covered for free, as long as you name her and enter her details on your policy. Regarding your daughter's boyfriend, he can be covered, but since he is not a relative, the free coverage for under 18 year olds doesn't apply: he can be on your policy, but he would need to pay for his coverage. Unfortunately, due to the uniqueness of this situation, this can't be done through the website, and so you would be best to email [email protected] to get a quote and purchase your policy. This will ensure you have it in writing that your daughter's boyfriend will receive coverage.

Thanks, Anna

Hi Bronz, thanks for reaching out, and thanks for the response Arthur.

If you need to see the doctor due to injury or illness, yes you will be covered, as long as you have declared your pre-existing conditions. Declaring your medical conditions is easy and fast, and can be done when your purchase your policy online, during the stage before paying for your policy.

If you don't declare your pre-existing medical conditions, you will still be covered for medical claims, but not if they are related to a pre-existing condition that you didn't declare.

Thanks, Anna

Hi Peppa, thanks for reaching out. We are two different brands. However, both are owned by the same company, Mapfre Assistance, and both are underwritten by Mitsui Sumitomo Insurance Company.

Hi Kel, Tick policies include cover for snorkelling and scuba diving. We also provide cover for Natural Disasters that are unknown at the time of purchase, you simply need to add Natural Disasters Cover in the last step of the purchase journey.

Hi Catherine, thanks for reaching out.

Unfortunately, I'm not qualified to give you price estimate, but if you visit our website you can get a quote in a few minutes. The online quote system will give you an exact price for your policy, and you are able to enter any pre-existing medical conditions online too. If you need any help with this, just let me know. I hope this helps.

Thanks, Anna

Hi JAE,

Good question, thanks for reaching out.

If you need any type of medical assistance at all, I would urge you to call our 24/7 assistance line on: +612 9333 3963.

This is because our assistance team will be able to provide recommendations and advice on your specific situation, rather than give a general answer. They can also liaise directly with the hospital.

In some circumstances, if it is reasonable and medically necessary to do so, we may guarantee payment to a hospital on your behalf, meaning you do not have to pay up front and claim back later. But this is evaluated on a case by case basis, and I cannot comment on whether your situation would be dealt with in this way.

However, if the medical cost is less the $500, we ask the insured to pay up front and claim when you return home.

Thanks, Anna

Hi JAE,

Because the content of your question here is so similar to the one you asked just before, I have added the same answer to both questions.

If you need any type of medical assistance at all, I would urge you to call our 24/7 assistance line on: +612 9333 3963.

This is because our assistance team will be able to provide recommendations and advice on your specific situation, rather than give a general answer. They can also liaise directly with the hospital.

In some circumstances, if it is reasonable and medically necessary to do so, we may guarantee payment to a hospital on your behalf, meaning you do not have to pay up front and claim back later. But this is evaluated on a case by case basis, and I cannot comment on whether your situation would be dealt with in this way.

However, if the medical cost is less the $500, we ask the insured to pay up front and claim when you return home.

Thanks, Anna

Hi Vince, good question.

If you were to hire anything over 125cc, you would need to hold a license that would be needed for driving the equivalent rated motorcycle/scooter in Australia (e.g. motorcycle license).

But since yours will be a 110cc, you just need to hold a driving license (e.g. car license) that is appropriate for the country you are in. Also, you must wear a crash helmet, regardless of whether it's the law to do so in Bali, and irrespective of whether you are the driver or a passenger. Hope this helps.

Thanks, Anna

Hi Roy, good question, and thanks for your comments Sue.

I can confirm that we would cover the cost of an air ambulance helicopter, if it was medically necessary to do so. Also, when purchasing your policy, you should declare any pre-existing health conditions during the buying process, or your coverage will be affected. I hope this helps.

Thanks, Anna

Hi Joan, great question. And thank you Margaret for replying so fast!

We consider all pre-existing health conditions, although we cannot guarantee we will cover every condition. You can quickly and easily log all of your pre-existing health conditions by filling in the 'Get a Quote' form, and then entering your details on our website here: https://www.tickinsurance.com.au/. We offer 24/7 phone support for emergency assistance so we can help you when you're travelling, but unfortunately, we don't sell or edit policies over the phone. Hope this helps.

Thanks, Anna

Hi Jill P, good question.

We've had many, many customers who've made claims with us. Some of them have reviewed us on Product Review. To see feedback from customers who've made a claim here on Product Review, simply check the 'claim made' field associated with each review.

Thanks, Anna

Hi Steve,

You can add Natural Disasters cover on your policy in the last step of the journey. This includes cover for Volcanos according to the level of cover selected. If you refer to Mount Agung, please note this is a known event and we are currently not covering any claims arising from this event.

Let us know if you have any questions.

Regards,

Anna

Hi Alison, thanks for being patient, it appears this question was missed initially, my apologies.

As you say, the phone number is for emergency assistance use only. If you are trying to amend your policy, or you have any questions, I would encourage you to email [email protected], as we don't amend policies over the phone. If you have a specific question about coverage, and don't want to email it, you can ask me on here and I'll give you an answer.

Thanks, Anna

Hi Narelle,

The way we charge the excess is per person, per section per event. I can confirm that for your family of 4 (including you) all claimed for cancelling your trip before departure, your excess would be $200 per person, $800 in total. When claiming pre-trip cancellation, you wouldn't be charged an excess for every flight segment you had in your trip. Alternatively, you do have the option removing your excess entirely. This is called an excess eliminator, and means you won't pay the standard excess, although this will increase the price of your premium. If you want to do this, I recommend you email [email protected] as soon as possible to allow them to apply this to your policy. Hope this helps.

Thanks, Anna