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For dependable and affordable travel options to cover your next overseas holiday, consider Insure4less travel insurance. Read on for a rundown of the key features and important info about Insure4less that you should know before you decide on a policy.

About insure4less

Providing great budget travel insurance, Insure4less have arranged travel insurance for more than 2 million travellers and paid out over $40 million in claims. They’re an online travel insurance provider, with a range of policies underwritten by the well established and trusted Lloyd’s of London.

Cover information and limits in the table below verified as correct at 18 June 2024. Other information correct at the time of writing.

insure4less plans

Insure4less offers policies for students, backpackers, groups or families, and even travellers who have already left Australia for their overseas holiday. You can choose from a single or multi-annual policy, with levels of cover ranging from Essentials to Excel, through to Excel Plus for a little extra cover. 

Check out the different policy options from Insure4less in our table below.

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Essentials

    • Per person

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • $5,000

    • $2,500

    • $50,000

    • Unlimited

    • $500

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    • Optional

    • Optional

    More info
    • Excel

    • Per person

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • $7,500

    • $3,500

    • $75,000

    • Unlimited

    • $1,000

    • $10,000

    • $10,000

    • $750

    • $1,500

    • $750

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    • Optional

    • Optional

    More info
    • Excel Plus

    • Per person

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • $10,000

    • $5,000

    • $100,000

    • Unlimited

    • $2,000

    • $2,000

    • $20,000

    • $20,000

    • $1,000

    • $3,000

    • $1,000

    • $7,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    • Optional

    • Optional

    More info
    • Essentials (Multi Trip)

    • Per person

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • $5,000

    • $2,500

    • $50,000

    • Unlimited

    • $500

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Excel (Multi Trip)

    • Per person

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • $7,500

    • $3,500

    • $75,000

    • Unlimited

    • $1,000

    • $10,000

    • $10,000

    • $750

    • $1,500

    • $750

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Excel Plus (Multi Trip)

    • Per person

    • Unlimited

    • Unlimited

    • $200.00

    • Events
    • $10,000

    • $5,000

    • $100,000

    • Unlimited

    • $2,000

    • $2,000

    • $20,000

    • $20,000

    • $1,000

    • $3,000

    • $1,000

    • $7,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


How to make a claim with Insure4less

To make a claim with Insure4less, download a claims form from their website, fill it out with your details and the details of your claim, and send it to Gallagher Bassett, who are Insure4less’ claims adjusters. You can find their details on the Insure4less website or in your PDS.

When you make a claim, make sure you have these details:

If you have all these details and relevant information ready when you go to make a claim, it will make the process a lot faster and smoother. Your claim should be processed quickly, but if you’ve left out important documentation it may take longer as Insure4less will have to contact you to request further information.

You need to submit your claims form within 31 days of the end of your trip or it may be denied. For more information on making travel insurance claims you can check out our travel insurance claims guide.

insure4less customer reviews

The Mozo community has rated Insure4less travel insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

insure4less travel insurance
3.7

Overall 3.7

5.3

Value for money

5.7

Trust

3 Reviews

Recent insure4less travel insurance customer reviews Recent insure4less travel insurance customer reviews

insure4less logo

insure4less Travel Insurance review

Overall rating   10 / 10

Best value

insure4less have the best cover for the best prices - no one surpasses them!

Full review

insure4less have the best cover for the best prices - no one surpasses them!

    Value for money   10 / 10

    Trust   10 / 10

Less

Kristi, Queensland, reviewed over 9 years ago

insure4less logo

insure4less Travel Insurance review

Overall rating   1 / 10

Needs improvement

They are the only provider who will insure rock climbing and have a monopoly on the market so they can charge what they like. They also do not have a direct telephone number for enquiries and everything is by email and even then that can take days.

Full review

They are the only provider who will insure rock climbing and have a monopoly on the market so they can charge what they like. They also do not have a direct telephone number for enquiries and everything is by email and even then that can take days.

    Value for money   1 / 10

    Trust   2 / 10

Less

Nhung, Victoria, reviewed over 9 years ago

insure4less logo

insure4less Travel Insurance review

Overall rating   0 / 10

Misleading

Had my phone stolen and was not covered at all.

Full review

Had my phone stolen and was not covered at all.

    Value for money   5 / 10

    Trust   5 / 10

Less

Carmen, Queensland, reviewed about 10 years ago

Hide reviews
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews. Financial providers may, from time to time, offer incentives for reviews, regardless of the sentiment of the reviews.

Compare Insure4less policies with other Australian insurance providers

It’s worth taking the time to compare all the different travel insurance options on the market before you settle on one for your next overseas trip. Mozo’s travel insurance comparison tool makes it easy and quick to do so. You just have to fill in your travel details, like your dates of departure and return, how many people are travelling and your destination, to see a comparison of some of the best travel insurance offers available.

While you’re looking for the right travel insurance policy, check out our travel insurance 101 guide for some handy tips. And before you go jet setting overseas, don’t forget to read up on some of our top money saving tips from real travellers with our Best $20 I’ve ever spent series.