Tick Travel Insurance promo codes and coupon codes in November 2026

Every level includes unlimited overseas medical cover, so the price gap mostly buys cancellation and luggage cover. On international and cruise policies, Basic has no cancellation cover at all, Budget and Standard both cover up to $5,000, and Top goes to $20,000. Domestic policies skip Budget, and Basic there still covers up to $1,500.

If you've prepaid flights and tours worth more than $5,000, Top is the only level that protects the full amount. For cheap, flexible bookings, Basic is often all you need, and a Tick Travel Insurance promo code trims it further.

The standard excess is $200, and it applies per person, per event and per section of the policy. On a $500 covered claim, that leaves you $300. You can choose a $0 excess instead, which makes your premium slightly higher.

Removing it makes most sense for families or couples, because two travellers claiming for the same lost bag could each pay $200. Solo travellers on a short trip usually come out ahead keeping the $200 excess and putting a Tick Travel Insurance discount code towards the lower premium.

Children travelling with a parent or grandparent are covered at no extra cost and get the same level of cover as the adult policy. They need to be under 18 when the policy is bought, financially dependent and named on the Policy Schedule. Fostered and adopted children count too.

This makes Tick strong value for family holidays, since you only pay for the adults. Grandparents taking the grandkids away can use it as well. Pre-existing medical conditions for a child may cost extra, so declare them at the quote stage, then add our latest Tick Travel promo code before you pay.

Standard covers your rental car excess up to $2,000 and Top up to $4,000, on international, cruise and domestic policies. Basic and Budget don't include it. It pays the excess the rental company charges if the car is damaged or stolen, not the repairs themselves.

• The hire must be no longer than 35 days.

• The car needs fewer than 9 seats.

• Driving off a public highway voids the cover.

Based on our research, rental desks usually charge their excess reduction per day, so on a road trip of a week or more, stepping up a level is often cheaper. Over a long hire, that difference can be worth more than a Tick Travel Insurance code.

You can pay with any major credit card or PayPal with no extra fees. That means the price on your quote, after a Tick Travel Insurance promo code, is the price you actually pay. Paying with a rewards card can earn points on top of the saving.

Based on our research, cancellation cover is most useful when you buy it soon after booking, because it can then protect you from an illness or family emergency in the months before you leave. You can buy on the day you depart, but you'd miss that window. Pair the early purchase with a Tick Travel Insurance discount code and you lock in both.

A claim is only as good as its evidence. Report any loss or theft to police or the transport provider within 72 hours and get a written report. Keep receipts or photos as proof of ownership, and have documents in English or officially translated. Missing paperwork is one of the easiest ways to lose money on a valid claim.