Lesson learned: you get what you pay for

I travelled with my partner to the island of Lombok, Indonesia, along with my partner and unfortunately fell very ill on the day we were due to leave. I ended up in the hospital, which meant we needed to delay our flights and find an extra night’s accomodation. As we both had used points for our holiday and booked separately, my partner and I had purchased insurance from different providers: QBE for myself and John went with Tick. QBE were wonderful throughout the process- providing my partner with support and advice with an Australian on the phone at 7:30pm sat night while I was monitored in hospital. My partner tried to contact tick, but could not even get through to lodge a claim as it needed to be done during business hours. I don’t know what we would have done if I were the one who had purchased Tick insurance! QBE assigned us a travel agent to help us with flights etc and lodged the claim for myself on the spot. I didn’t even have to pay my hospital bill. Once back home, QBE paid out my claim (minus 100$ excess) within a week. Unfortunately, John’s extra flights and accomodation had to be claimed through his own insurance (Tick), so we also lodged a claim for John via the Tick website. It’s been a month- we’ve provided all documentation and still haven’t even had John’s case even looked at! It is worth mentioning Tick have a 200$ excess on their claims. All in all, Tick were very easy to purchase insurance from, and they are very cheap, however when it comes to actually needing to lodge a claim you have very little assistance. I do not recommend Tick.

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