Tick Travel Insurance Questions & Answers (page 4 of 6)

Hi Dominic, good question.

In order to have medical costs related to your preexisting conditions covered under your travel insurance policy, you are required to declare all of your preexisting medical conditions. This is any condition you've been diagnosed with or treated for in the past 5 years. The process of declaring your conditions is often called a health screening. But it's not the kind of health test that requires you to visit the doctor: if you go to our website (https://www.tickinsurance.com.au) you can do your medical screening all online a couple of minutes. Hope this helps.

Thanks, Anna

Hi David, thanks for the question, it's a very important one.

We cover cancellation to some degree on all of our policies, with the exception of Basic policies. I would really appreciate it if you could let me know on which comparison site you saw the claim that we do cover cancellation on Basic policies, so we can get this fixed. I’ve sent you a private message, just reply to this with the name of the site.

Thanks, Anna

Hi David, glad I could clarify that.

In terms of the comparison site, not to worry, we'll try to track it down. I can confirm that booking as a couple or a family will save you 10%. Regarding pre-existing medical conditions, during the 4th stage of the online quote and buying screen, click 'Add Medical Conditions'. From this screen, you are able to individually declare your medical conditions. Along with any other pre-existing conditions, yes, you should add your Diabetes Type 2, and answer the associated questions on the medical screening to declare it. Alternatively, you can purchase your policy over the phone, by calling 1300 401 177, and when asked, let the customer service member know about your pre-existing medical conditions.

Hope this helps. Thanks, Anna

Hi Deb,

We would encourage you to call us on +612 9333 3963 - our 24/7 emergency assistance line - as soon as you feel you need access to medical services. This allows us to provide assistance and guidance on how to best help you.

Regarding payment up front vs us paying the medical bill at the time of the incident, this completely depends on the situation. There are many factors that affect this, including whether or not you are able to pay up front or not, and whether the hospital will accept our involvement at that time. This is why, should you require any medical services, you should call us immediately to get the right advice for your specific situation, so we can help you.

In terms of claiming back a medical expense you paid for at the time of the incident, if the medical expense is less than $500, you can go ahead and pay for it on the spot without contacting us, and get reimbursed upon your return, providing you show us a receipt and medical certificate. But if the amount is more than $500, you must contact us prior.

Hope this helps.

Thanks, Anna

Hi K. Seneviratne, thanks for reaching out. I've arranged for a copy of this answer to be sent to your email too.

In order to remove the excess on your policy, enter your basic trip details on www.tickinsurance.com.au and click 'Get a price'. Then, on the compare page, simply click 'Remove your excess', and you'll be able to see the reduction in price.

In answer to your second question, I'm happy to confirm that you would be covered for all medical expenses relating to your pre-existing condition, so long as you’ve declared it during the health screening process, and it has been accepted.

Thanks, Anna

Hi Jose, good question.

If you email [email protected] with your name and policy number, they will be able to send this to you.

Thanks, Anna

Hi Jose, I've requested one of our team email your policy to the email address we have on record for you. Thanks, Anna

Hi Steve, good question.

Yes, you would be covered, as long as you wear a helmet, even if it isn't mandated by law in Thailand.

Thanks, Anna

Hi Stefanus, thank you for reaching out.

Unfortunately, there isn’t a list of automatically covered conditions. All medical conditions can be declared in our customer journey online or over the phone. You will automatically get an answer if your conditions are covered and if there are any additional premium to cover them. Please note the medical screening process is done in the last step of the purchase journey and no medical certificates are required upfront. I hope this helps, and if you need anything else just let me know or call us on 1300 401 177 to discuss further.

Thanks, Anna

Hi Jose, thank you for your message. You can request a printed copy by emailing your policy number to our team to [email protected]

Regards,

Anna

Hi Heather, thanks for asking, and thanks for helping out Maureen.

I'm happy to report that Maureen is right, we don't charge an extra excess for elderly travellers. Should you make a claim for an event, you will just have the standard excess, applied per claim section, per person.

There is an exception here - if you are taking part in certain sports or leisure activities e.g. mountain biking, playing amateur rugby, or taking part in martial arts, you would pay a higher excess - the higher excesses here range from $250-$500. But this is dependent on the activity, not your age.

Hope this helps.

Thanks, Anna

Hi Nannankat, thanks for getting in touch.

Yes, we would cover the cost of a helicopter to bring you to hospital and any other repatriation expenses, if it was medically necessary and a reasonable requirement in the situation. All our policies cover unlimited overseas medical expenses.

If you have any pre-existing medical conditions, please make sure you declare all of them in the last step of the journey to make sure we provide you with the right level of cover.

Thanks, Anna

My pleasure Nannakat, let me know if there's anything else I can help you with. Thanks, Anna

Hi Marilynn,

Tick Insurance covers travellers up to the age of a 100. You can easily get a quote online or send us an email to [email protected] if you have any questions.

Cheers,

Tick Insurance

Hi Nannakat, I just want to confirm that your question has been addressed in your question above. I hope the information helped.

Thanks, Anna

Hi Marilyn, if you want to get 24 hour emergency assistance, you can call us on 02 9333 3963. If you’re looking to buy a policy, you can buy direct online, where we offer live chat support on our website. But unfortunately, Tick policies can only be purchased online.

Hi Eddie, great question.

Yes you will. As long as you purchase your policy before you commence your travel, you can still buy a policy on the same day as you start your travels, and it will be valid. For example, if your holiday starts with a flight overseas, you can purchase your policy any time before your flight.

Thanks, Daniel

Hi Elise,

Our policies provide cover for unlimited overseas medical expenses. If an accident happens and this is related to a pre-existing medical condition which has been declared and accepted in our website, there are not issues when claiming. If an accident happens (which is not related to a pre-existing medical condition), all overseas medical expenses are covered following our PDS. So in your example if you declare anxiety and depression and we accept the declaration you will be covered for any costs related to that condition. Likewise if you break your leg and the cause or costs do not relate to an undeclared pre-existing condition then you will be covered for those costs too.

If you have any questions, feel free to email [email protected] or visit our website to get Livechat support.

Regards,

Daniel

Hi Gloria,

Sorry for the late response. If you need any help with your policy, please send us an email to [email protected].

Cheers,

Nick

Hi Junior, yes you can. Simply email [email protected] with the new dates and one of our agents will change your policy.

Regards,

Sara

Hi Catherine, you can add Natural Disasters cover to your policy in the last step of the customer journey. Natural Disasters add-on covers you for any claims arising from an unknown event. Mount Agung is currently excluded but any other events that are unknown at the time of purchase are covered.

If you want to discuss this in more detail, feel free to give us a call on 1300 401 177.

Regards,

Sarah

Hi Sienna,

Sorry for the inconvenience. We are currently updating our system to allow multiple first names. If you don't mind, please just put the full name with no spaces. If you still have issues, please email us on [email protected]

Thank you,

Daniel

Hi Jo,

Thank you for your enquiry. Cancellation cover starts from the moment you purchase your policy (If the policy you selected includes cover for cancellation). We will pay your unrecoverable travel costs and expenses in the event that it is necessary to cancel your trip, up to the amount specified for your selected policy.

Regarding your claims question, we always assess claims based on our Product Disclosure Statement and we ask our customers to read the PDS to decide if the product is right for them. If you have any specific question about our policies, please email [email protected]

Kind Regards,

Sarah

Hi Tony,
I'm sorry for the confusion, you've touched on an area that we are currently working on to make more clear. Both of those countries are covered by us under worldwide excluding Nth and Sth America. Check the smartraveller website for updates about safety and the like closer to your trip beginning.
Enjoy your holiday!
Kara