insure4less Travel Insurance

insure4less

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, fine print 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.

Rates and fees verified as correct at 08 December, 2016. Other information correct at the time of writing.

insure4less plans

Insure4less offer 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. Or, if you need the bare minimum of travel insurance for your trip, they also offer a Medical Only cover option. Check out the different policy options from Insure4less in our table below.

  • Events

  • Limits shown apply

  • 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 problems

  • 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

    • $10,000,000

    • $10,000,000

    • 135

    • $2,500

    • Events
    • $2,500

    • $10,000,000

    • $10,000,000

    • $500

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Excel

    • Per person

    • $10,000,000

    • $10,000,000

    • 135

    • $5,000

    • Events
    • $3,500

    • $10,000,000

    • $10,000,000

    • $1,000

    • $10,000

    • $10,000

    • $750

    • $750

    • $1,500

    • $750

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Excel Plus

    • Per person

    • $10,000,000

    • $10,000,000

    • 135

    • $7,500

    • Events
    • $5,000

    • $10,000,000

    • $10,000,000

    • $2,000

    • $2,000

    • $20,000

    • $20,000

    • $1,000

    • $1,000

    • $3,000

    • $1,000

    • $7,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
  • Events

  • Limits shown apply

  • 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 problems

  • 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 (31 days)

    • Per person

    • $10,000,000

    • $10,000,000

    • 135

    • $2,500

    • Events
    • $2,500

    • $10,000,000

    • $10,000,000

    • $500

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    More info
    • Excel (31 days)

    • Per person

    • $10,000,000

    • $10,000,000

    • 135

    • $5,000

    • Events
    • $3,500

    • $10,000,000

    • $10,000,000

    • $1,000

    • $10,000

    • $10,000

    • $750

    • $750

    • $1,500

    • $750

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    More info
    • Excel Plus (31 days)

    • Per person

    • $10,000,000

    • $10,000,000

    • 135

    • $7,500

    • Events
    • $5,000

    • $10,000,000

    • $10,000,000

    • $2,000

    • $2,000

    • $20,000

    • $20,000

    • $1,000

    • $1,000

    • $3,000

    • $1,000

    • $7,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    More info
    • Essentials (45 days)

    • Per person

    • $10,000,000

    • $10,000,000

    • 135

    • $2,500

    • Events
    • $2,500

    • $10,000,000

    • $10,000,000

    • $500

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    More info
    • Excel (45 days)

    • Per person

    • $10,000,000

    • $10,000,000

    • 135

    • $5,000

    • Events
    • $3,500

    • $10,000,000

    • $10,000,000

    • $1,000

    • $10,000

    • $10,000

    • $750

    • $750

    • $1,500

    • $750

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    More info
    • Excel Plus (45 days)

    • Per person

    • $10,000,000

    • $10,000,000

    • 135

    • $7,500

    • Events
    • $5,000

    • $10,000,000

    • $10,000,000

    • $2,000

    • $2,000

    • $20,000

    • $20,000

    • $1,000

    • $1,000

    • $3,000

    • $1,000

    • $7,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    More info
    • Essentials (62 days)

    • Per person

    • $10,000,000

    • $10,000,000

    • 135

    • $2,500

    • Events
    • $2,500

    • $10,000,000

    • $10,000,000

    • $500

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    More info
    • Excel (62 days)

    • Per person

    • $10,000,000

    • $10,000,000

    • 135

    • $5,000

    • Events
    • $3,500

    • $10,000,000

    • $10,000,000

    • $1,000

    • $10,000

    • $10,000

    • $750

    • $750

    • $1,500

    • $750

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    More info
    • Excel Plus (62 days)

    • Per person

    • $10,000,000

    • $10,000,000

    • 135

    • $7,500

    • Events
    • $5,000

    • $10,000,000

    • $10,000,000

    • $2,000

    • $2,000

    • $20,000

    • $20,000

    • $1,000

    • $1,000

    • $3,000

    • $1,000

    • $7,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    More info
    • Essentials (93 days)

    • Per person

    • $10,000,000

    • $10,000,000

    • 135

    • $2,500

    • Events
    • $2,500

    • $10,000,000

    • $10,000,000

    • $500

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    More info
    • Excel (93 days)

    • Per person

    • $10,000,000

    • $10,000,000

    • 135

    • $5,000

    • Events
    • $3,500

    • $10,000,000

    • $10,000,000

    • $1,000

    • $10,000

    • $10,000

    • $750

    • $750

    • $1,500

    • $750

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    More info
    • Excel Plus (93 days)

    • Per person

    • $10,000,000

    • $10,000,000

    • 135

    • $7,500

    • Events
    • $5,000

    • $10,000,000

    • $10,000,000

    • $2,000

    • $2,000

    • $20,000

    • $20,000

    • $1,000

    • $1,000

    • $3,000

    • $1,000

    • $7,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    More info
  • Events

  • Limits shown apply

  • 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 problems

  • 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

    • $10,000,000

    • $10,000,000

    • 135

    • $2,500

    • Events
    • $2,500

    • $10,000,000

    • $10,000,000

    • $500

    • $2,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Excel

    • Per person

    • $10,000,000

    • $10,000,000

    • 135

    • $5,000

    • Events
    • $3,500

    • $10,000,000

    • $10,000,000

    • $1,000

    • $10,000

    • $10,000

    • $750

    • $750

    • $1,500

    • $750

    • $5,000,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
    • Excel Plus

    • Per person

    • $10,000,000

    • $10,000,000

    • 135

    • $7,500

    • Events
    • $5,000

    • $10,000,000

    • $10,000,000

    • $2,000

    • $2,000

    • $20,000

    • $20,000

    • $1,000

    • $1,000

    • $3,000

    • $1,000

    • $7,500,000

    • Pre existing conditions
    • Activities covered
    • Optional

    • Optional

    • Optional

    More info
= Covered = Not covered

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).


Key policy features to look out for in Insure4less travel insurance

Pre-existing medical conditions:

Whenever you take out a travel insurance policy, it’s important to be honest about pre-existing medical conditions, because they can affect your claims later on. When you take out a policy with Insure4less, there are 37 pre-existing medical conditions that are automatically covered under your travel insurance.

Fine print: Aside from these 37, you aren’t covered for any pre-existing medical conditions under your Insure4less travel insurance. If you’ve been hospitalised within the last 24 months for any pre-existing condition that does appear on the automatically covered list, you also won’t be covered.

Travelling while pregnant:

The good news is that pregnancy is covered automatically as a pre-existing condition, up to the 18th week and as long as it is a single, uncomplicated pregnancy. You’re also covered if you run into serious complications that you or your doctor could not have foreseen before travelling.

Fine print: You need to think carefully about travelling pregnant under any travel insurance policy. This includes Insure4less, where there is no cover for childbirth or for a child born after you take out your policy.  

For more information about finding a travel insurance option for expectant mothers, take a look at Mozo’s travel insurance guide for pregnancy.

Age limits:

Insure4less policies are available for anyone under the age of 65. Insure4less offer effective coverage for under 18’s travelling alone with their student insurance option. Student travel insurance from Insure4less is designed to meet the visa requirements of students travelling and studying overseas and is available at the same levels of cover as their other policies.

Fine print: Insure4less don’t offer travel insurance options for seniors over the age of 65. If this restriction applies to you, check out our guide on seniors travel insurance.

Cooling off period:

If you choose an Insure4less policy and then decide it isn’t right for you, you have a 14 business day cooling off period to cancel your cover for a full refund.

Fine print: You can only receive a refund if you haven’t started your trip yet and you haven’t made a claim on your policy. A request for cancellation can only be made through the Insure4less website, and once it's approved, you should receive your refund within 15 business days. You can cancel after the 14 day period, but you won’t get a refund.

Buying cover after you leave:

If you’re a little unorganised, or your trip was planned on short notice, then we have good news!  You can buy an Insure4less policy even after you’ve left Australia. Because they’re online, it’s easy to obtain an insurance policy from Insure4less from anywhere in the world.

Fine print: If you purchase your travel insurance policy after you leave Australia, you won’t be covered for the first 48 hours after your policy start date. The 14 day cooling off period does not apply to policies bought when you’re already travelling, so make sure you choose the right one before you buy!

Important things to remember for a successful travel insurance claim with Insure4less

If you have to make a claim on your Insure4less policy, there are a few things you should remember to make the process smoother and faster. Always keep one eye on the fine print, because it’s there that you’ll find the exclusions and conditions that might affect your claim. Here are some important things to look out for:

How to make a claim with Insure4less

Making a claim with Insure4less is easy. All you need to do is 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

Overall 3.7*

Value for money

Trust

3 Reviews

* Overall rating based on reviews in the past 12 months.

Recent insure4less travel insurance reviews Recent insure4less travel insurance reviews

insure4less

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 (VIC), reviewed about 2 years ago

insure4less

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 (QLD), reviewed over 2 years ago

Hide reviews

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Compare Insure4less policies with other Australian Insurers

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.

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