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Ird 2022-2023 kilometre rates, in this article, 2022-2023 kilometre rates, why the kilometre rates went up for the 2022-2023 tax year, using the 2022-2023 kilometre rates.

The IRD has published the kilometre rates at which you can get tax-free deductions if you’ve used your personal vehicle for business-related purposes in the 2022-2023 tax year. See the rates and how to use them below.

The kilometre rates have steeply increased compared to the previous tax year, meaning you can get more money back to cover your expenses for each kilometre you’ve driven for business.

Have you considered automating tracking your kilometres for a hassle-free, accurate logbook? Get the Driversnote vehicle logbook app today.

Tier 1 kilometre rates

Use the Tier 1 kilometre rates to claim business-related driving for the first 14,000 km you’ve driven throughout the 2022-2023 tax year. The Tier 1 rates cover your vehicle’s fixed costs, such as road tax, insurance, depreciation, and variable costs, including fuel, repairs, and maintenance.

Note that the 14,000 kilometres limit applies for all of your driving - both business and private. This means that if in the first 14,000 km you accrued on your vehicle 8000 km was for business, you can claim 95 cents per km for these 8000 km. After that - you must use the Tier 2 rates.

Tier 2 kilometre rates

Use the second tier of rates for claiming any business kilometres over the 14,000 km threshold. These rates are only intended to cover your vehicle’s variable or running costs.

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The IRD has decided to increase the kilometre rates in both tiers due to the higher costs of running a vehicle, noting specifically the higher fuel costs throughout the tax year.

Use the kilometre rates to claim your business-related travel with your vehicle for the 2022-2023 tax year at tax time. To do so, you must’ve kept a logbook to work out how many kilometres you’ve driven for business, kilometres directly resulting in producing assessable income.

If you have your logbook, you then use the kilometre rates to calculate the deduction for the business use of your vehicle.

If you are self-employed and using the kilometre rates for claiming work-related travel, you don’t need to worry about GST - there is none. Note that the official kilometre rates include vehicle depreciation, so you will not be able to claim it separately.

Finally, don’t forget that if you have claimed business kilometres for the last tax year, you are obliged to continue using the same method for your claim. If you claimed actual vehicle expenses last year, you will not be able to switch to the kilometre rates claim method, if you continue to drive the same vehicle.

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Planning to visit New Zealand? Read our guide that covers all the practical travel advice you need to know ahead of your trip.

Travelling to New Zealand

Learn about the COVID-19 requirements for travelling to New Zealand, visa and entry requirements and what sort of travel visa you might need. Find out how to get to New Zealand and how to book your trip.

See more on travelling to New Zealand >

When is the best time to visit New Zealand?

It’s always a good time to visit New Zealand – find out about the weather, popular times to travel to New Zealand, seasonal activities around the country and major events and festivals you won’t want to miss.

Find out more >

Getting around New Zealand

Whether you want to self-drive, fly, join a tour, or hop on a bus or train, there are plenty of options for getting around New Zealand. Find out what’s best for you with our practical advice on travel and transport in New Zealand.

Find more transport options >

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New Zealand

Travel Advisory September 8, 2023

New zealand - level 1: exercise normal precautions.

Reissued with removal of major event information.          

Exercise normal precautions in New Zealand.

Read the  country information page  for additional information on travel to New Zealand.

If you decide to travel to New Zealand:

• Enroll in the  Smart Traveler Enrollment Program (STEP)  to receive Alerts and make it easier to locate you in an emergency.   
• Follow the Department of State on  Facebook  and  Twitter .   
• Review the  Country Security Report  for New Zealand.
• Visit the CDC page for the latest  Travel Health Information  related to your travel.
• Prepare a contingency plan for emergency situations. Review the  Traveler’s Checklist .  

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Quick Facts

Three months beyond the planned date of departure from New Zealand.

One page required for entry stamp.

New Zealand Electronic Travel Authority (NZeTA) or visa is required.

Border Cash Report required for New Zealand Dollars (NZD) $10,000 or more in cash or foreign equivalent.

Embassies and Consulates

U.S. Consulate General Auckland Citigroup Centre, 3rd Floor, 23 Customs Street East Auckland, New Zealand Telephone: +(64) (9) 303-2724 Emergency After-Hours Telephone:  +(64) (4) 462-6000 Fax: +(64) (9) 303-1069 Email:   [email protected]

U.S. Embassy Wellington 29 Fitzherbert Terrace, Thorndon Wellington, New Zealand Telephone: +(64) (4) 462-6000 Emergency After-Hours Telephone: +(64) (4) 462-6000 Fax: +(64) (4) 499-0490

Consular services to U.S. citizens are available only at the U.S. Consulate General in Auckland. Consular services are unavailable at the U.S. Embassy in Wellington even in case of emergency. Contact the U.S. Consulate General in Auckland for consular assistance.

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Learn about the U.S. relationship to countries around the world.

Entry, Exit and Visa Requirements

New Zealand Electronic Travel Authority (NZeTA):

• U.S. citizens traveling to or transiting through New Zealand under the visa waiver program are required to have an  NZeTA . This is also true for cruise ship passengers. It can take up to 72 hours to process an NZeTA so apply well in advance of your trip. The NZeTA is valid for multiple visits for up to two years.
• If your NZeTA application is denied, you will need to apply for a visa. Visit the Embassy of New Zealand website for the most current visa information.

International Visitor Conservation and Tourism Levy (IVL):

• U.S. citizens traveling to New Zealand for tourism, certain student programs, and short-term business trips are required to pay an  International Visitor Conservation and Tourism Levy (IVL) . This levy is assessed when a person applies for an NZeTA or New Zealand visa. The IVL is not required of passengers that are transiting New Zealand on a transit visa or transit ETA.

Arrival Information:

• A customs officer at the port of entry into New Zealand may examine items such as mobile phones, iPads, Android tablets, hard drives, laptops, and digital cameras. The officer may ask for your password or ask you to enter it. Fines of up to NZD $5,000 may be enforced for failure to comply. Passwords are not kept, nor is personal data altered.
• New Zealand has very strict biosecurity procedures  to prevent the introduction of harmful pests and diseases. All biosecurity-risk goods must be declared or disposed of in marked amnesty bins at airports and seaports. If you do not declare goods considered to be a biosecurity risk, such as honey, fresh fruit, seeds, and plants, you can receive an immediate fine of NZD $400.

The U.S. Department of State is unaware of any HIV/AIDS entry restrictions for visitors to, or foreign residents of, New Zealand. 

Cook Islands: Cook Islands is self-governing in free association with New Zealand. U.S. citizen visitors do not require an entry permit for stays up to 31 days. Your passport needs to be valid for at least six months past the arrival date in the Cook Islands.

Find information on  dual nationality ,  prevention of international child abduction  and  customs regulations  on our websites.

Safety and Security

Crime: The crime rate in New Zealand is relatively low, but theft from cars, recreational vehicles, and hostels is common, especially in areas frequented by tourists.

Do not leave passports or other valuable items in unattended vehicles.

Violent crime against tourists is rare; however, if you are traveling alone, you should remain vigilant and be cautious in secluded areas.

International Financial Scams:  See the   Department of State  and the   FBI   pages for information.

Internet romance and financial scams are prevalent in New Zealand. Scams are often initiated through Internet postings/profiles or by unsolicited emails and letters. Scammers almost always pose as U.S. citizens who have no one else to turn to for help. Common scams include:  

• Romance/Online dating 
• Money transfers 
• Grandparent/Relative targeting 

Victims of Crime:  For emergencies please dial 111 for Police, Fire and Ambulance. For non-emergencies please dial 105 for Police, and contact the U.S. Consulate General Auckland at +64 4 462 6000.

Remember that local authorities are responsible for investigating and prosecuting crime.

If you are on the Cook Islands, the emergency police number is 999.

See our webpage on  help for U.S. victims of crime overseas .

How we can assist:

• Help you find appropriate medical care
• Assist you in reporting a crime to the police 
• Contact relatives or friends with your written consent 
• Provide general information regarding the victim’s role during the local investigation and following its conclusion 
• Provide a list of local attorneys
• Provide our information on  victim’s compensation programs in the U.S.
• Provide an emergency loan for repatriation to the United States and/or limited medical support in cases of destitution 
• Help you find accommodation and arrange flights home 
• Replace a stolen or lost passport 

Domestic Violence:  U.S. citizen victims of domestic violence are encouraged to contact the Consulate General for assistance.

Tourism:  The tourism industry is generally regulated and rules [with regards to best practices and safety inspections] are regularly enforced.  Hazardous areas/activities are identified with appropriate signage and professional staff is typically on hand in support of organized activities. In the event of an injury, appropriate medical treatment is widely available throughout the country. Outside of a major metropolitan center, it may take more time for first responders and medical professionals to stabilize a patient and provide life-saving assistance. U.S. citizens are encouraged to purchase medical evacuation insurance . 

Local Laws & Special Circumstances

Criminal Penalties: You are subject to local laws. If you violate local laws, even unknowingly, you may be expelled, arrested, or imprisoned. Individuals establishing a business or practicing a profession that requires additional permits or licensing should seek information from the competent local authorities, prior to practicing or operating a business.

Penalties for possessing, using, or trafficking in illegal drugs in New Zealand are severe, and convicted offenders can expect long jail sentences and heavy fines.

In New Zealand, driving under the influence could land you in jail. Roadside sobriety checks by police are common. The blood alcohol limit in New Zealand is lower than that in most U.S. states.

Furthermore, some laws are also prosecutable in the United States, regardless of local law. For examples, see our website on  crimes against minors abroad  and the  Department of Justice  website.

Arrest Notification: If you are arrested or detained, ask police or prison officials to notify the U.S. Consulate General immediately. See our  webpage  for further information.

Natural Disasters and Weather Conditions: Natural disasters occur in New Zealand and include earthquakes, tsunamis, volcano eruptions, and cyclones. In addition, weather conditions can change quickly leaving you stranded or injured, particularly if you are in an isolated area.

• For information on how to prepare for a crisis visit our webpage  Crisis and Disaster Abroad: Be Ready.
• For information on seasonal storms visit New Zealand’s  Meteorological Service  for a Tropical Cyclone bulletin with updated warnings.
• Monitor meteorological websites such as the  Joint Typhoon Warning Center .
• Visit  MetService  for forecasts and official warnings.
• Visit  The Department of Homeland Security  and the  CDC  websites for information on how to prepare for a specific natural disaster.
• Always follow the advice of local authorities.

On December 9, 2019, the volcano on Whakaari/White Island erupted while tourists were visiting. This led to numerous casualties, including deaths of U.S. citizens. The volcano remains active and further eruptions are possible. Avoid Whakaari/White Island and follow the advice of local authorities.

There are many areas in New Zealand with active volcanoes. Tourists are encouraged to visit GeoNet for up-to-date information on volcanic alert levels, as well as other geological hazards in New Zealand. As always, follow the advice of local authorities.

The National Emergency Management Agency provides timely information to citizens and visitors through an  Emergency Mobile Alert . This service is broadcast from local cell towers to all capable phones in the area and is designed to provide targeted messaging to areas affected by serious hazards. Messages will only be sent when there is a serious threat to life, health, or property.

Adventure Sports: Injuries and death can result from participating in extreme adventure sports, such as bungee jumping, sky diving, hiking, rappelling, climbing, motorcycling, and kayaking. Use caution and common sense when engaging in these activities. Make sure you have travel medical insurance and that it covers your sport.

Never participate in adventure sports alone. Always carry identification and let someone else know where you are at all times. Before kayaking, check the river conditions and wear a life jacket. When hiking, rappelling, or climbing, carry a first aid kit and know the location of the nearest rescue center.

Visit the  New Zealand Department of Conservation  website for advice and direction on how to safely and legally hike, bike, etc. in New Zealand.

Imports: New Zealand is an island nation, and the government is serious about preserving its delicate ecosystem. The Ministry for Primary Industries (MPI) strictly regulates what can be imported into New Zealand.

• If you do not declare goods that could be quarantined, you can be fined up to NZD $100,000 and/or face up to five years in prison.
• If you do not declare goods considered to be a biosecurity risk, such as honey, fresh fruit, seeds, and plants, you can receive an instant fine of NZD $400.
• When importing a pet, you will need thorough veterinary documentation and a quarantine period will be required.
• The MPI may seize and destroy unfinished wood products, used hiking shoes, gardening tools, fresh food items, and items such as used pet carriers. Thoroughly clean any hiking equipment or sports gear prior to your arrival in New Zealand.

For more information visit the  Biosecurity New Zealand  website.

Faith-Based Travelers: See the following webpages for details:

• Faith-Based Travel Information
• International Religious Freedom Report  – see country reports
• Human Rights Report  – see country reports
• Hajj Fact Sheet for Travelers
• Best Practices for Volunteering Abroad

LGBTI Travelers: There are no legal restrictions on same-sex sexual relations or the organization of LGBTI events in New Zealand.

See our  LGBTI Travel Information  page and section 6 of our  Human Rights report  for further details.

Travelers with Disabilities:  The law in New Zealand prohibits discrimination against persons with physical disability or impairment; any other loss or abnormality of psychological or anatomical structure or function; reliance on a guide dog, wheelchair, or other remedial means; and the presence in the body of organisms capable of causing illness. The law is enforced. Social acceptance of persons with disabilities in public is as prevalent as in the United States. The most common types of accessibility may include accessible facilities, information, and access to services. Expect accessibility to be limited in public transportation, lodging, and general infrastructure. 

• Every new building and major reconstruction in New Zealand must provide "reasonable and adequate" access for individuals with disabilities, but be aware that most buildings pre-date this requirement. Most facilities have wheelchair access.
• Many transport operators can provide accessible transport, but most need advance notice so you may want to call ahead to describe your needs. Mobility parking permits are available.
• If you are planning a holiday and need information on facilities for individuals with disabilities, please visit the  New Zealand Tourism  website.
• Rental, repair and replacement parts for aids/equipment/devices may be limited. Service providers, such as sign language interpreters or personal assistants are available in many areas. 
• For more information on the availability of disability services in New Zealand, please visit the disability section of the New Zealand Ministry of Health website.

Students:  See our  Students Abroad  page and  FBI travel tips .  

Women Travelers: See our travel tips for  Women Travelers .

Travelers and crew do not need pre-departure tests or proof of COVID-19 vaccination to enter New Zealand. Please check with your airline or cruise provider as they may still require proof of vaccination.

For emergency services in New Zealand, dial 111 .

Ambulance services and quality medical care are widely available in New Zealand. Waiting lists exist for certain types of treatment. Access to medical care may be less available in rural areas.    We do not pay medical bills. Be aware that U.S. Medicare/Medicaid does not apply overseas. Most hospitals and doctors overseas do not accept U.S. health insurance.

Medical Insurance: Make sure your health insurance plan provides coverage overseas. If they do not, consider emergency or comprehensive traveler’s insurance. Most care providers overseas only accept cash payments. See our webpage for more information on overseas coverage. Visit the U.S. Centers for Disease Control and Prevention for more information on type of insurance you should consider before you travel overseas.

We strongly recommend supplemental insurance to cover medical evacuation.

Always carry your prescription medication in original packaging, along with your doctor’s prescription. Check with the government of New Zealand regulations at New Zealand MedSafe to ensure the medication is legal in New Zealand.

Vaccinations: Be up-to-date on all vaccinations recommended by the U.S. Centers for Disease Control and Prevention.

Further health information:

• World Health Organization
• U.S. Centers for Disease Control and Prevention (CDC)

Air Quality: Visit AirNow Department of State for information on air quality at U.S. Embassies and Consulates.

The U.S. Consulate General maintains a list of doctors and hospitals. We do not endorse or recommend any specific medical provider or clinic.

Assisted Reproductive Technology and Surrogacy:

• If you are considering traveling to New Zealand to have a child through use of assisted reproductive technology (ART) or surrogacy, please see our ART and Surrogacy Abroad page . 
• Although surrogacy agencies/clinics claim surrogacy is legal in New Zealand, there is little legal framework for foreigners or same-sex couples to pursue surrogacy in New Zealand. As a result, surrogacy agreements between foreign or same-sex intending parents and gestational mothers may not be enforced by New Zealand courts. You may be required to adopt the child before you are given parental rights.
• If you decide to pursue parenthood in New Zealand via assisted reproductive technology (ART) with a gestational mother, be prepared for long and unexpected delays in documenting your child’s citizenship. Be aware that individuals who attempt to circumvent local law risk criminal prosecution.

Adventure Travel: Visit the U.S. Centers for Disease Control and Prevention website for more information about Adventure Travel .

General Health Language: Visit the U.S. Centers for Disease Control and Prevention website for more information about Resources for Travelers regarding specific issues in New Zealand. 

Travel and Transportation

Road Conditions and Safety: While in New Zealand, you may encounter road conditions that differ significantly from those in the United States.

Renting a car or a camper is a popular way to enjoy New Zealand's natural beauty, but if you are unfamiliar with local conditions, you should be extremely careful. New Zealand has only 100 miles of multi-lane divided motorways. Most intercity travel is on narrow, two-lane roads. While these roads are in good condition, New Zealand's rugged terrain means motorists often encounter sharper curves and steeper grades than those found on the U.S. Interstate Highway System.

• Use caution to avoid animals when driving in rural areas.
• There is very limited cell phone coverage on large portions of scenic highway in the South Island, which is remote and has little traffic.
• Drivers are advised to review the driving rules and regulations beforehand. For example, pedestrians do not have the right of way except in crosswalks. New Zealand law requires that cars stop at least two meters (approximately 6 feet) from a crosswalk that is in use. Additionally, there is no left-hand turn allowed at a red light. Drivers are reminded to remain cognizant of turning to the left (counterclockwise) when entering traffic circles.

Traffic Laws:  All traffic moves on the left in New Zealand, and you should exercise extra caution if you are accustomed to driving on the right.

• Driving on the wrong side of the road is a leading cause of serious injury and death for U.S. tourists.
• Make sure to follow the posted speed limit signs. The speed limits are much lower than those in the United States.
• Proceed carefully through intersections. Traffic circles are common throughout New Zealand. When approaching a traffic circle, always yield to traffic coming from the right--noting that traffic already in the circle has the right-of-way--and merge to the left into the circle. Left turns on a red traffic signal are not permitted.
• New Zealand prohibits driving while texting as well as driving while using a cell phone.

See our  Road Safety  page for more information. Visit the website of the  New Zealand Transport Agency  for information about safe driving in New Zealand.

Public Transportation: New Zealand has public transport systems in all major cities and some towns. The public transportation system in New Zealand is generally easy to use and reliable.

Aviation Safety Oversight: The U.S. Federal Aviation Administration (FAA) has assessed the government of New Zealand’s Civil Aviation Authority as being in compliance with International Civil Aviation Organization (ICAO) aviation safety standards for oversight of New Zealand’s air carrier operations. Further information may be found on the  FAA’s safety assessment page .

Maritime Travel: Mariners planning travel to New Zealand should also check for  U.S. maritime advisories and alerts .  Information may also be posted to the   U.S. Coast Guard homeport website , and the  NGA broadcast warnings .

For additional travel information

• Enroll in the  Smart Traveler Enrollment Program (STEP)  to receive security messages and make it easier to locate you in an emergency.
• Call us in Washington, D.C. at 1-888-407-4747 (toll-free in the United States and Canada) or 1-202-501-4444 (from all other countries) from 8:00 a.m. to 8:00 p.m., Eastern Standard Time, Monday through Friday (except U.S. federal holidays).
• See the  State Department’s travel website  for the  Worldwide Caution  and  Travel Advisories .
• Follow us on  Twitter  and  Facebook .
• See  traveling safely abroad  for useful travel tips.

Review information about International Parental Child Abduction in  New Zealand . For additional IPCA-related information, please see the International Child Abduction Prevention and Return Act ( ICAPRA ) report.

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Discover our kiwi gems, book your accommodation, eight awesome autumn adventures.

With sunny days, cool nights and photogenic foliage, Autumn is possibly the best time of year to travel in New Zealand. We've put together some suggestions to make the most of the season. Read the story . . . 

10 free things to do in the North Island

Looking for free activities to flesh out your summer travel plans? Here are nine secret spots and Kiwi Gems around the North Island to add to your wish list. Plus, we’ve got much more to discover in each region to help you keep exploring. Read the story . . . 

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New zealand must-do's, 7 free things to do in the south island.

Keen to explore the South Island this summer? Here are seven great secret spots that are all free to visit, including short nature walks to historic lighthouses, river crossings by punt, caves, coasts and cycle trails. Plus make sure you check out our extended lists of other free things to do in the South Island.  Read the story . . . 

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Could you escape the Titanic?

What fare class, age and sex tell us about ship survival rates on the Titanic

A little after midnight on April 15, 1912, two terrible realisations came to engineer Joseph Bell.

The first was that the RMS Titanic was sinking.

The second was that there was only space for just over 1000 people in the ship’s lifeboats.

This number was less than half the total number of passengers and crew aboard the 46,000-tonne ocean liner. At least as many people would share its fate.

Perhaps Bell’s biggest fear - apart from his own fate in a rapidly filling boiler room - was what would happen when the passengers discovered there were too many of them and not enough places. What would the crew do?

Would it be “women and children first?”

Striking the iceberg set in motion a grim game of musical chairs, which left those still standing on the ship with little chance.

The freezing temperatures of the North Atlantic, which made it so treacherous for ice and ultimately the Titanic, also meant that anyone left in the water would have minutes to live.

What determined survival in the following 90 minutes was the class, sex and age of the passengers.

Fortunately, we have a comprehensive passenger list for the doomed maiden voyage, which tells us everything from the birthday to the exact fare paid by each passenger. Most importantly, we know if they survived the night of April 14.

James Cameron’s 1997 blockbuster film Titanic would have us believe that the more you paid for your ticket, the better your odds of survival were.

However, if we look at the passenger list data, it’s not so cut and dry.

There are some classes of traveller who had far better odds than others.

Would you have survived the Titanic?

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• Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

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Tick Travel Insurance Top Cover Review: Features, Pros And Cons

Published: Apr 24, 2024, 1:46am

When comparing Tick Travel Insurance’s pricing against cover levels in key areas, such as emergency medical expenses and trip cancellation, it is safe to argue that it’s a highly competitive player in the market. Travellers will likely appreciate the unlimited medical and $20,000 of cancellation cover available. Plus, the 24-hour medical emergency assistance line may offer added peace of mind.

However, some travellers may feel that Tick Travel Insurance’s Top Policy falls a little short on nice-to-have coverage, including lost luggage and rental car excess limits. Let’s take a closer look at Tick’s top policy offering.

• Competitive pricing
• High levels of medical and cancellation cover
• High customer service rating
• Credit card fraud not covered
• Higher levels of luggage cover elsewhere
• Missed connections not covered

Table of Contents

About tick travel insurance, what does tick travel insurance cover, does tick travel insurance cover me for covid, pricing comparison, customer service, the bottom line.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Tick Travel Insurance is owned by Europ Assistance which is a part of the global Generali Group, and underwritten by Mitsui Sumitomo Insurance Company Limited.

Generali is a large global insurance and asset management provider, while Europ Assistance says it has a presence in over 200 countries, providing comfort and empathy to customers in emergency situations, and an immediate global response.

Tick Travel Insurance’s aim is to make travel insurance simple, covering travellers up to age 100. It offers three levels of domestic travel insurance: Basic, Standard and Top and four types of international travel insurance: Basic, Budget, Standard and Top.

This review will focus on the most comprehensive offering for international travel, being the Tick Travel Insurance Top plan.

Tick Travel Insurance provides domestic and international cover, offering policies for single trips and annual cover for multiple trips in a year. The provider covers adults up to the age of 100, while dependent children, up to 18-years-old at time of purchase, are insured for free on an adult’s policy.

As is typical of travel insurance, its policies cover trip cancellation or curtailment and journey resumption, due to unforeseen circumstances such as injury or illness, as standard. Cover for travel delay is available on the top policies, with a pay out of $100 per completed hour up to $1,000. Valid reasons for claiming include bad weather, a vehicle breakdown or strike, and experiencing a delay of more than 12 hours.

Tick Travel Insurance’s Top plan also includes the following standard benefits that form a part of most comprehensive travel insurance policies:

Lost Luggage

This insurer covers the cost of repairing or replacing your lost, stolen or damaged personal belongings up to $7,500. Take note of the $3,000 sublimit— individual limit— on how much you can claim for devices such as laptops, tablets, phones, video cameras and cameras.

Tick Travel Insurance offers unlimited medical cover, which includes cover for ambulance and emergency surgery, repatriation if necessary, and the death of you, or another person insured on the policy.

While the insurer can cover pre-existing conditions (medical conditions you had before taking out the policy), whether you will be eligible for this cover will depend on the details you provide, outlining the condition and its severity, in the medical screening section of the application.

Is Dental Cover Included?

This insurer also extends its cover to dental treatment, paying out up to $500. This is half of what many providers offer, and bear in mind that you can only claim for dental cover for situations where you need immediate pain relief.

Yes, protection against risks in relation to Covid-19 are covered by Tick Travel Insurance’s Top policy. The insurer accepts related cancellation and disruption claims, as well as medical claims for trips outside of Australia.

What About Pregnancy?

You can claim for an extensive range of pregnancy or childbirth complications up to 31 weeks into your pregnancy with this insurer. These include toxaemia, gestational diabetes and pre-eclampsia.

What About Sports And Activities?

From abseiling, to jet skiing and motorcycling, insurance for 90 sports and activities is included automatically with Tick Travel Insurance.

Remember to look out for conditions for claiming. For instance, you will only be covered for three bungee jumps and can only kayak in grades 1 and 2 rapids or lower. Also, some activities may require safety gear that you will need to wear to make a valid claim.

Cover for personal liability and accidental injury only apply to certain activities, as specified in the PDS.

Compared to the competition, Tick Travel Insurance offers relatively decent to high levels of cover across the board for a super competitive price.

When comparing the price of its most comprehensive policy against those of Travel Insurance Direct and Allianz—two providers we rated highly for their comprehensive offering—it comes out on top.

The data below is based on a 28-year-old who needs insurance for Indonesia for seven days.

The above table shows how important it is to shop around for travel insurance, and weigh up your needs with your budget when comparing policies. Tick’s Travel Insurance’s Top policy is only $77, offers considerably more cancellation cover than its competitors for this price, and levies less in excess—the set portion of each claim you must pay.

However, it may not be suitable for those who need higher levels of cover in other areas such as lost luggage and rental car excess. You can find out exactly what a policy includes and excludes in its PDS, which is usually published on the insurer’s website.

You can also find out more about the comprehensive travel insurance providers Forbes Advisor Australia has independently rated the best.

Customers award Tick Travel Insurance a high score of 4 out of 5 stars across 2832 reviews on ProductReview, Australia’s leading consumer opinion site.

Satisfied customers were pleased with how simple they found the process of taking out insurance, and the price of their policy.

However, disgruntled customer complaints were varied. Some speak of technical difficulties with the provider taking payment and not offering a refund instead, trouble accessing their policy documents and rejected claims.

To speak to someone on Tick Travel Insurance’s customer service team, you can fill in the online query form or email: [email protected] .

For 24-hour emergency assistance, you can call: +612 9333 3963, and for emergencies and claims, email: [email protected] .

You can also send written correspondence to:

Customer Services Tick Insurance Australia Suite 1.04, Level 1, 19 Harris Street Pyrmont, 2009 Sydney NSW

Additionally, you can send a complaint via post, or email: [email protected] .

Tick Travel Insurance may be considered most suitable for those looking for reasonable to high levels of cover in key areas, for a competitive price. This includes unlimited medical cover and $20,000 for trip cancellation. In other areas cover levels are decent, but may not be suitable for all. Those taking away belongings worth over $7,500 or needing more than $4,000 in rental car excess may want to look elsewhere.

Frequently Asked Questions (FAQs)

Where can i find the tick travel insurance pds.

A policy’s product disclosure statement (PDS) details what it covers, any exclusions and limitations or sublimits. It’s crucial that travellers read through this document before deciding whether to purchase the policy.

Typically, an insurer will provide a link to a policy’s PDS on its website. The PDS for Tick Travel Insurance’s policies, including its comprehensive cover, are also online .

What is Tick Travel Insurance’s phone number?

Existing customers and those with service queries can fill in Tick Travel Insurance’s online query form should they need assistance, or contact at [email protected].

For 24-hour emergency assistance customers can call: +612 9333 3963.

How good is Tick travel insurance?

We have awarded Tick Travel Insurance 3.7 out of 5 stars based on factors such as the unlimited amount of medical cover, and high level of cancellation cover, it provides. It also scores highly on customer review site productreview.com.au.

However, customers should note it does not cover you, if you fall victim to credit card fraud while away. Neither are you able to choose the amount of cancellation cover you need as with some other insurers. This may not be of concern, considering $20,000 for cancellation is automatically provided, which is a considerable amount, and Tick Travel Insurance policies are competitively priced.

I have been writing for newspapers, magazines and online publications for over 10 years. My passion is providing, in a way that is easily accessible and digestible to all, the knowledge needed for readers to not only manage their finances, but financially flourish.

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