TID Travel Insurance Direct

Injured in Vietnam received medical treatment including scans and specialist consultations. The claim was processed within a week without any rigmarole. Claim process was straightforward and easy to navigate. I’ve been a repeat customer this is the first claim I’ve made and very satisfied with the result. I also like TID policies because they… Read more ·  1

don’t load the policy with volumes of unnecessary information making it easy to understand what is and isn’t covered.

I think, like most people, I only write reviews when I’m unhappy with a product or service. And with insurance companies already having a poor reputation to begin with, I feel I owe it to TID to post this review. Due to a budget Vietnamese airline, my father and I missed our connection flight back to Perth and were told we would have to wait… Read more ·  1

three days to get on their next flight. We stayed in a hotel for the night and booked a much more expensive flight home the following day.

First, I had to call their customer support because I screwed up my account by using multiple emails. The woman, who was an Australian in the Eastern States, was prompt and friendly in fixing the matter, and I didn’t have to wait too long to speak to her.

I filled out a claim online, with no tiresome, pointless questions, just what you would expect they need to know to make a fair assessment.

I got an email back in a week saying I was approved for a refund for the more expensive flights and hotel, and the money was in my account that day.

I’ve used TID seven or eight times over five years, and this was my first claim. I will continue to use them on every trip.

Thanks, TID

Very Good Travel Insurance – Used TID for about 5 years now including making a couple of claims. Did switch to a cheaper company but got shafted over Covid period and happy to be back with TID. Prices are quite competitive and the process is easy. If a claim needs to be made they are quick to get it done online and finalised quickly as well. Highly recommended Show details ·  1

Do NOT use if you want proper cover for insurance – Beware of the terms and conditions! We were apart of a natural disaster declared and submitted a claim for travel and accommodation to return home. The apparent terms are you will only be paid for one or the other NOT both. What is the point of having this insurance to have your claim accepted but only cover one part. What is covered? We will… Read more

cover you for expenses you incur for your reasonable additional travel, accommodation, meals, internet use and emergency telephone calls, if you have to interrupt your trip after it has begun, because of an event set out under What are the events that will be covered under this section?. We will pay the higher of the non-refundable cancellation fees or the additional rearrangement costs that have been incurred as a result of the same event.”

It is a complete joke. We have always used TID but never had to make a claim.

Definitely will be seeking alternative insurance in the future.

Deceiving – I recently found out that TID does not cover scooter insurance in Thailand unless you hold an Australian motorcycle license. However, under Thai law, a valid driver's license is all that's required to ride a scooter. This loophole allows TID to avoid claims, and I feel that this is a deceptive practice. Be cautious when dealing with this company –… Read more

their terms are not as transparent as they should be, be very careful with this mob they will do anything to get out of paying but make it look like you are covered

Not what they were – Not what they were. I loved them so much I didn't shop around. Have had to claim whilst on overseas trips, sadly and they were brilliant. Like the time I broke my hand in Azerbaijan anI had to have urgent surgery so I returned to Australia and they funded me for all the losses for the remains of the trip that I now couldn't make. I did a… Read more

spreadsheet of the losses and that was enough. But not this time. The system has changed. The amount of info you now have to give them is beyond impossible. DH had his phone stolen from his pocket in Paris. We waited until we got to the UK and bought another. The evidence they required was huge, for example we needed to provide evidence that were were in Paris: boarding pass and hotel booking. That was just the start. Who keeps the boarding pass???!! Esp as the flight had been months and months before. We had a police report and the receipt for the new phone. I thought that would be enough. Nope. Eventually I gave up. Won't bother with them again. Sad, because they had been so very good.

I have never had to claim. this is more about admin. I wanted to extend, but that happened on a Saturday. they dont answer the phones on the weekends. I guess their medical emergency line would be different, but I dont know. I logged in to extend online, and it said, sorry this function is temporarily out of function, I called, but no one… Read more

working weekends. Pretty poor form for a travel company. on this alone, im never using again. why would I? get a company that cares enough to have someone available to fix stuff on the weekend, or to have their website up and running, or even have one of those question things on the website that is attended by a human that can help.

I am a 74 year old Australian. On 13/12/24 I purchased online a ‘Worldwide’ annual multi-trip travel insurance policy with TID for 1/1/25 to 31/12/25. To date, I had no need to make a claim and being satisfied with the price and cover, and given that I travel widely and often, I decided to purchase the same policy for 2026. On 1 December I… Read more ·  1

called TID to renew my policy for another year only to discover that my current policy was not valid owing to a clause I had missed in the PDS (overseas resident & 35 day trip limit). This was my error. However, the agent, Lacey, I spoke with suggested that I could file a review requesting a partial refund - and she immediately sent me an email with a few simple instructions regarding submitting the review.

Today, I received an email from Lucy at TID saying that they had considered my case and would refund a substantial part of the costs of my policy ($967). The error was on my part and there was no legal obligation on TID to refund any money. This was simply an act of good faith on the part of TID which demonstrates a high level of ethics and integrity with respect to this company and its staff. Finally, Big Thanks to Lacey and Lucy at TID - and TID. I highly recommend TID.

Absolutely amazing organisation. I actually have my health insurance with them as well as buying travel insurance for our recent trip around Europe. I find TID very proactive and and simple to interface with, either on the phone or online. The very last of our flights (out of Paris) got a little stuffed up and we have lodge a claim with TID for… Read more ·  1

the out of pocket expenses, so far they have been fantastic. My wife and I travel a lot and we will certainly use TID again, plus we recommend them to all our freinds, both retired like ourselves, and ouryounger friends.

Value for Money – Customer service was very good, resolved query over the phone quickly. Making a claim was straight forward, clear instructions online and in my experience prompt payment of claim. Show details ·  1

Good – I was impressed with TID. We were charged by our car rental for a flat tire and when I lodged the paperwork the claim was assessed and paid within 3 days. Show details ·  1

Double dipping rip off merchants!!!! – Double dipping rip off merchants!!!! Make you put in multiple claims for one trip, then charge an excess on each claim. Will never use this company again!!! Show details

Avoid at all costs! – This company will do anything to weasel out of paying resonable claims. They have no care for the consumer. We became very sick on our honeymoon and had to return home and they wouldn’t cover our flights. They went to the length of paying a external mediation company $1500 in fees to deal with our complaint rather than paying us the $1700 that was owed for the flights. Disgraceful! Show details

Forget about expecting them to pay a claim – My son's suitcase disappeared from the train we were travelling on in Germany. It simply wasn't there when we went to get off the train. We immediately informed the train company. All our toiletries, electronics, and my son's entire wardrobe was in that suitcase, so we arrived at our next destination without even a toothbrush, and my son only… Read more

had the clothes on his back. I could not get through on the phone to TID. As we were continuing on to go skiing, we had to purchase my son some clothes (including ski clothes which we found in an op shop! because new was too expensive). Right at the end of our trip, we were advised that our suitcase had turned up in Switzerland (soneone else had taken it by mistake), but could not be returned to us by the time we flew back to Australia. We opted to pay to have it freighted back to us. Our claim was rejected - apparently because the train company didn't lose it, and it eventually turned up, it was not "lost" and therefore we did not get a single cent back from TID. They did not even recognise that we needed to replace clothing and toiletries whilst the suitcase was "not lost". An appeal got us nowhere. Appalling service and policy. I have used this company in the past for all our regular trips, without having to make a claim. We travel ALOT, and I have never used this company again. I have also advised all my many travelling friends to avoid them also. Do not recommend this company at all.

Customer Service Team not trained correctly and give conflicting information – As a motorcycle enthusiast, I queried the general exclusion re motor bikes with an engine capacity of greater than 250cc, prior to taking out an annual travel policy. I was assured by the customer service representative, it was possible to increase the capacity, I only had to ring and update the policy and pay any additional fee. This… Read more

information was conveyed to me by two separate customer service representatives. When the occasion arose that I needed to increase the engine capacity to greater than 250cc, I was told it is not possible and there is no mechanism to increase the CC capacity. Be very careful when dealing with this company and always insist on receiving confirmation in writing when dealing with any customer service representatives. I personally will no longer engage with this company as I have lost confidence the information given to consumers by their customer service representatives is accurate and truthful.

Worst travel insurance company – I purchased the works travel insurance policy 12 months cover for peace o mind. Worst mistake i made. I unfortunately damaged my shoulder an put a claim in last September 2022. Claim was finally accepted 12 months later in September 2023. Policy ended in June 2023. I thought great, i can get further treatment on my shoulder only to find out i am… Read more

not covered as policy ended in June. This was due to this companies extremely poor performance in assessing my claim. 12 months is discusting. I got nowhere by lodging a complaint either. Do not take out a policy with this company. They will happily take your money but don't expect good results if making a claim. As a follow up to this review. After taking nearly 18 months to process my claim which was finally approved, i was told that i an no longer covered for this injury as policy has expired. I had to pay for further investigations as to the extent of the injury (MRI) which found there was a complete tear of the tendon in the right rotator cuff as well as a severe tear in the bicep muscle which required surgery to repair. This cost $10,000 to repair plus ongoing costs for medications on physioperapy. Total costs so far is around $11,000. This should have been covered by the insurance but due to their extremely poor performance, i had to pay this. What was the point of the insurance. Was not my fault that they took so long but i am the one who ended up suffering for it. Again, DO NOT USE THIS COMPANY.

Delays and denied! – I’ve used TID about 3 times now but unfortunately won’t be using again. It’s long wait and response times, they ask a hundred questions when putting a claim in, you try to be helpful and provide above and beyond details which in fact I actually think did a disservice because my claim was denied for my laptop smashing out of an over head luggage… Read more

that I was forced to put in there due to being a tiny plane and therefore was out of my control and something which is actually more careless such as a stolen laptop is completely replaceable and covered. WTH! I now have to pay for my own damaged goods that was out of my control on a policy I wish I never spent my money on because now I’m several hundreds of dollars MORE out of pocket. Such a scam and disheartening news when returning from a holiday. I know you can’t cover everything but genuinely don’t understand this one.

misleading – I patiently waited for TID to begin again last year for my 4 th travel insurance cover with them . This year my enquiry to phone consultant was misleading. She began by quoting a higher price than expected, when i asked her if this is 'The Works' policy, she admitted it was. I had to then direct her to the other TID policy option 'Basic' that i… Read more

knew of. A shame really that they are directed to sell the higher priced policy first without informing the caller of the cheaper policy option.

10 yrs+ with TID, still happy with the customer service despite hiccups – I first used TID in 2008 on a holiday China. My phone was stolen, and as long as you read the terms and conditions and provide reasonable proof they request (they wanted a police report) TID will generally come through. I have made around 5-6 claims over the past 15 yrs with them and I believe they are reasonable and fair. Communications (via… Read more ·  1

phone) when I was questioning the policy coverage, was resolved in a prompt and amicable manner. My most recent claim for Europe was approved by TID after my Coach tour cancelled on us.

I would use TID again confidently. I recommend paying extra to avoid the excess, it's totally worth it in the event you must make a claim.

1 star off because: 1) uploading documents is glitchy. had to put my browser in incognito mode to get it accept simple pdfs and jpg files. (it has been glitchy for years!) TID, please fix. 2) coverage for 'Europe' did NOT include the UK, which shocked me and I had to call them up and argue my case, which was stressful. I suggest this is amended on their website to say 'Europe: UK not included' , similar to how there's 'Asia: EXCL nepal' and 'Asia: INCL nepal'.

Online claim form is a joke. Cheaper and Better Options available elsewhere – The online claim process seems to be easy enough. File upload functionality doesn't work as stated, e.g max 5mb but uploading 2mb file doesn't work), can't email docs in. TID solution to this problem is a manual claim form. FAQs as part of the claim process only link to the generic assistance page. Why make me search for the FAQ when you sent me a… Read more

link? Absolute waste of time. This is the 3rd and last time I've used TID. Can get better and cheaper travel cover with other providers like Defence Health (the firm my family used).

Poor claim process and zero customer service – My daughter lodged a claim in November 2022. After raising a complaint 8 weeks ago she was finally told the claim had been approved and she paid the excess. Now she has received another email requesting payment the the excess. The US medical bill is now been given to a debt collector. Show details

The value of the policy only appears when you try to claim on it! – I was regrettably caught up in Jetstar’s fiasco in Hawaii in September, 2022. Jetstar cancelled my return flight to Sydney for 6 days. Hawaii is not a cheap location, which is fine, but an extra 6 days added an enormous expense. We claimed from TID which was promptly rejected as they don’t cover cancellations stemming from mechanical issues etc.… Read more

We are so annoyed we also cancelled our private health insurance with NiB. In short, travel insurance is only useful for extremely serious medical episodes. The policy is mid market price. I’ve used TiD several times over the preceding decade. The value of the policy is really only measurable when you actually claim on it. In this case it was worthless.

Hopeless – Trying to deal with this company is a nightmare. Placed a claim in January and after a confirmation email heard nothing back, followed up in early Feb and again no response. Placed a complaint a week later that was acknowledged via an email that said the complaint would be addressed within 30 days, then nothing. Honestly I would hate to think what… Read more

would happen if you were stranded or in need of urgent assistance from this insurance company as trying to get any response at all is like pulling teeth. You sit on hold for over an hour without ever speaking to a real person. It’s a no from me ever again.

They were there when we needed them – My daughter and I got the worst gastro on our last night in Fiji and we were unable to travel home as scheduled. TID paid out our medical expenses and additional accommodation quickly and without argument. Recommend Show details ·  1

AVOID!!! Loopholes galore!! – After using TID for years, we finally had to make a claim when Jetstar changed our flight until the next day due to "crewing issues". Despite the fact that the entire flight was the same people/plane as what was supposed to go a day earlier, instead of classing it as a delay, TID (who is actually NIB insurance we discovered) took it as a… Read more

cancellation and decided not to cover it because it wasn't due to a complete staff strike or natural disaster or some other random occurrence. The only satisfaction I get out of this is the amount of business they will lose out of us in the next decade.

Not worth it – As stated in their response: ""Under section “Cancellation and additional expenses” your policy provides coverage for when a loss occurs due to one of the defined events listed under this section of the policy. Under this section, there is no event listed that will cover a cancelled flight due to Engineering requirements."" If you're one of the… Read more

many people who's flights (Jetstar) have gotten delyayed or cancelled due to the above and incur costs i don't recommend this company.

Purchased as it was cheap, needed it, and they were great! – Good value, and when I ended up getting gastro and being in hospital overnight costing me quite a lot. TID made the claim very easy, and although I did'nt get everything back, I did get back a fair bit. Thanks TID! Show details ·  1