Tick Travel Insurance

What Tick Travel Insurance does

Tick Travel Insurance is an Australian direct-to-consumer travel insurance provider operating as a trading brand of Europ Assistance Australia Pty Ltd (ACN 140 219 594, AFSL 552106), which underwrites the policies. Founded in 2015 and headquartered at Level 9, 35 Clarence Street, Sydney, the company serves budget-conscious Australian travellers seeking single-trip international, domestic, and cruise travel insurance through a fully online self-serve platform. The customer base is segmented across individual travellers, families, seniors aged 75–100, and travellers with pre-existing medical conditions, with free cover available for dependent children under 18.

The product portfolio comprises three core policy lines — Single-Trip International, Domestic, and Cruise — each available across four coverage tiers (Basic, Budget, Standard, Top) with optional add-on modules for Winter Sports, Natural Disaster events, and Rental Vehicle Excess waivers. Underpinning the offering is an online quoting platform integrated with a medical screening tool that uses risk-scoring algorithms (processed by an external Australian provider) to underwrite pre-existing medical conditions in real time, alongside a customer portal with 24/7 self-service account management and MFA security. The company does not offer a mobile app, public API, or any non-digital distribution channel.

Tick operates a product-led, self-serve go-to-market motion, generating revenue through insurance premiums underwritten by Europ Assistance Australia. Pricing is quote-based, varying by trip duration, destination, age, coverage tier, and declared medical conditions, with optional add-ons increasing per-trip value. Marketing relies on Google AdWords paid search, remarketing, content/FAQ-led organic acquisition, and consent-based email, while industry recognition includes Canstar Outstanding Value Awards (2022–2025), consecutive Finder Domestic Travel Insurance Awards (2024–2025), the ProductReview.com.au "Top Rated Travel Insurance 2026" award, and a 4.6 Trustpilot rating.

Name

Tick Travel Insurance

Legal name

Europ Assistance Australia Pty Ltd

Website

https://tickinsurance.com.au

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Tick Travel Insurance is an Australian direct-to-consumer travel insurer offering single-trip, domestic, and cruise policies online across four coverage tiers. The Europ Assistance Australia brand serves budget-conscious Australian travellers, families, and seniors with pre-existing medical condition coverage needs.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

akta.pro secondary industries

Travel Insurance & Protection Products (Cruise-Specific) (THAEAFAL), Adventure Sports & High-Risk Activity Travel/Accident Insurance (FSAJAJAL), Baggage & Personal Effects Insurance (FSAJAJAE), Travel Medical Insurance (Individual) (FSAIAEAI)

Keywords

• Travel insurance
• Single-trip insurance
• Domestic travel insurance
• Cruise travel insurance
• Travel medical coverage

Headquarters

HQ city

Pyrmont

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Marketing or Sales, Technology or R&D, Personnel, Infrastructure, Others

Revenue model

1. Travel Insurance Premiums: Tick Travel Insurance generates revenue through insurance premiums charged for single-trip, domestic, and cruise travel insurance policies. Customers pay a premium based on trip details, coverage level selected, age, destination, and any additional coverage options. The policies are underwritten by Europ Assistance Australia Pty Ltd.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Tick Travel Insurance is an Australian travel insurance provider selling single-trip international, domestic, and cruise travel insurance policies directly to consumers via its website. Policies are available in Basic, Budget, Standard, and Top coverage tiers and include medical, cancellation, baggage, and 24/7 emergency assistance benefits, with optional add-ons for winter sports and natural disasters. Policies are underwritten and distributed by Europ Assistance Australia Pty Ltd.

Product overview

Tick Travel Insurance is a budget-friendly, award-winning Australian travel insurance provider offering single-trip and specialized travel insurance products. The core product portfolio includes Single-Trip International Travel Insurance, Domestic Travel Insurance, and Cruise Travel Insurance. Domestic and international policies are available in multiple tiers: Basic, Budget, Standard, and Top, with Standard and Top tiers providing enhanced coverage for electronics, valuables, rental vehicle excess, and pre-existing medical conditions. Optional add-ons include Winter Sports and Natural Disaster Cover. The company operates under Europ Assistance Australia for distribution and assistance services, emphasizing fast online quoting and competitive pricing for budget-conscious travelers.

Differentiator

Problem solved

Functional benefit

Products and services

• Single-Trip Travel Insurance International single-trip travel insurance covering medical emergencies, trip cancellation, baggage loss, and delays for Australian travellers leaving Australia. Available in Standard and Top tiers for pre-existing medical condition consideration and 90+ sports and activities.
• Domestic Travel Insurance Travel insurance for Australian domestic trips, available in Basic, Budget, Standard, and Top coverage tiers to suit different budgets and coverage needs. Includes baggage, cancellation, rental vehicle excess, electronics, and 90+ sports and activities on Standard and Top tiers.
• Cruise Travel Insurance Specialized travel insurance for cruise holidays, covering cruise-specific risks and missed cruise departures when the natural disaster add-on is purchased. Recognized with the Canstar Outstanding Value Award 2025 in its first year.
• Winter Sports Add-on Optional add-on covering winter sports equipment, equipment hire, lift passes, ski packs, piste closure, avalanche expenses, and medical injuries from skiing. Required for ice skating coverage.
• Natural Disaster Cover Add-on Optional add-on providing coverage for cancellations, trip curtailment, emergency expenses, and missed cruise departures due to unforeseen natural disasters (volcanoes, earthquakes, tsunamis). Medical expenses due to natural disasters are automatically covered on all international policies.
• Pre-Existing Medical Conditions Coverage Coverage for pre-existing medical conditions considered in Standard and Top Cover for international policies. All pre-existing conditions assessed via online medical questionnaire; additional premiums may apply.
• Rental Vehicle Excess Waiver Coverage reimbursing rental car insurance excess up to $4,000 for damage or theft of rental vehicles during trips. Covers vehicles rented for less than 36 consecutive days.

Quantifiable outcome

• Up to $20,000 cancellation cover on Top policies
• +4 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature3 records

Partnerships

One partnership is on record.

• Europ Assistance Australia Pty LtdcoreStrategic or Co-development PartnerTick Travel Insurance is distributed and underwritten by Europ Assistance Australia Pty Ltd (ACN 140 219 594, AFSL 552106). The insurer provides assistance services including 24/7 emergency support, claims handling, and policy administration. Tick operates as a brand under Europ Assistance Australia.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Fast Cover Travel Insurance: Fast Cover is an Australian online travel insurance brand offering budget single-trip, multi-trip, and cruise cover direct to consumers. Direct peer competing head-to-head on price and online simplicity in the same Australian market.
• Cover-More Travel Insurance: Cover-More is one of Australia's largest dedicated travel insurance specialists, offering single-trip, multi-trip, domestic, and cruise cover directly to consumers online. It is a direct peer: same product category, same geography, same direct-to-consumer distribution model, and competing for the same budget-and-mid-tier traveller.
• InsureandGo Australia: InsureandGo is an Australian travel insurance brand specialising in online travel cover including single-trip, multi-trip, and seniors options. Direct peer in product category and online direct-to-consumer distribution, competing for the same price-sensitive Australian traveller.
• Southern Cross Travel Insurance: Southern Cross Travel Insurance is a New Zealand-headquartered specialist travel insurer that also serves Australian travellers with single-trip and multi-trip cover online. Direct peer on product category and digital GTM, with primary operating geography in NZ but overlapping Australian customer base.
• Travel Insurance Direct (TID): Travel Insurance Direct is an Australian online travel insurance specialist offering budget single-trip and multi-trip policies to consumers. Direct peer competing on price and online simplicity in the Australian market.
• Easy Travel Insurance: Easy Travel Insurance is an Australian budget-oriented travel insurer offering single-trip and multi-trip cover direct to consumers online. Direct peer on product category, price positioning, and digital GTM.
• Budget Direct Travel Insurance: Budget Direct is an Australian general insurer offering budget travel insurance among its broader product portfolio, distributed direct-to-consumer online. Direct peer on the budget positioning and online channel, though it is broader (home, car, travel) than Tick's travel-only focus.
• World Nomads Travel Insurance: World Nomads is a globally recognised travel insurance brand serving Australian and international adventure travellers, with strong direct-to-consumer online distribution. Comparable on product, customer base (active and adventure travellers), and online GTM, though it skews slightly more toward backpackers and adventure segments.
• 1Cover Travel Insurance: 1Cover is an Australian digital-first travel insurance specialist selling single-trip, multi-trip, domestic, and seniors cover direct-to-consumer online. Direct peer — same product, same customer, same online self-serve GTM model, with comparable budget-tier positioning.

Broad incumbents

• Allianz Travel Insurance: Allianz Travel is the Australian travel insurance arm of global insurer Allianz, offering comprehensive single-trip, multi-trip, and corporate cover through direct and broker channels. It is a broad incumbent — same category, broader product portfolio, deeper capital base, and stronger broker/partner distribution alongside direct.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Customer concentration

• LinkedInau.linkedin.com/showcase/tick-insurance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tick Travel Insurance