Insure4Less is an online travel insurance brand that offers low-cost policies. Four plans provide different levels of cover, and each one is available for single or multi-trip holidays.
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Insure4Less offers four different policies to cover local and international travel:
Excel Plus
This policy is ideal for international travel and offers the most comprehensive cover. You are covered for:
Overseas medical expenses, including evacuation is Unlimited
Personal liability up to $7.5 million
Missed connections
Luggage and personal effects
Personal money and travel tickets
Legal advice and expenses
Travel delay, abandonment or resuming of trip
Accidental death and permanent disability
Hospital allowance
Car hire excess
Search and rescue
Travel carrier insolvency
Excel
This policy offers fewer benefits than the Excel Plus plan, but since it still provides sufficient cover for travel overseas. You benefit from:
Overseas medical expenses, including evacuation is Unlimited
Personal liability up to $5 million
Missed connections
Luggage and personal effects
Personal money and travel tickets
Legal advice and expenses
Travel delay, abandonment or resuming of trip
Accidental death and permanent disability
Hospital allowance
Car hire excess
Essentials
This basic plan provides cover for everything you’d require in an emergency during your travels:
Overseas medical expenses, including evacuation is Unlimited
Personal liability up to $2.5 million
Missed connections
Luggage and personal effects
Legal advice and expenses
Medical Only
Medical Only policies cover:
Overseas medical expenses, including evacuation is Unlimited
Pros and cons of Insure4Less
Before purchasing a travel insurance policy from Insure4Less, consider the following pros and cons:
Pros
Underwritten by Chase Underwriting Pty Ltd
A range of basic and comprehensive policies
Get a quote and purchase your policy online
24/7 emergency assistance included in all policies
Interrupted trips can be resumed
Policies can be extended
Non-Australian citizens can apply for cover
Cover available without a return ticket
Cons
Some pre-existing conditions not automatically covered
No online claims
How do I apply for Insure4Less travel insurance?
Here are a few steps to consider when applying for cover:
Compare policy options. Different policies offer different levels of cover, so choose the one that’s affordable and covers all aspects of your holiday.
Get an online quote. Enter your trip details and the policy option that most interests you to get an idea of how much you’ll be paying in premiums.
Check to see what’s covered. Carefully read the whole policy and make sure you understand what’s covered.
Look for optional extras. If you require additional cover for activities or valuable items, check to see that the policy can be upgraded.
How do I make a claim with Insure4Less?
Get in touch. Contact the appointed claims handlers Gallagher Basset for a claims form. Be sure to make contact no later than 31 days after the end of your trip.
Provide documentation. You will be asked to provide supporting documentation along with your claims form including police and medical reports, statements from transport providers, original receipts, proof of ownership and valuations.
Be honest and prompt. Submit your claim as quickly as possible. Not only will it ensure a quicker claims process, but a delayed filing can lead to penalties.
Insure4Less FAQs
Q. Who is eligible for travel insurance?
A. Insure4Less policies are available to Australian citizens and non-Australian citizens who are in Australia for more than three months.
Q. Can I buy my policy online?
A. Insure4Less is an online service, so you can get a quote and purchase your policy directly online. Payment is safely processed through Eway and Commonwealth Bank.
Q. Can I apply for cover if I’m already overseas?
A. Yes, as long as you are an Australian citizen and the journey you’d like to cover ends in Australia, you can apply for a policy. However, there is no cover for the first 48 hours.
Q. Are cruises covered?
A. All Insure4Less policies automatically cover cruises.
Q. Can I insure a whole group?
A. Yes. Insure4Less policies allow up to 25 adults and 25 children to be insured under one policy.
Q. Can I cancel my Insure4Less policy if I’m not happy with it?
A. You have a cooling-off period of 14 days during which you can submit your cancellation request online. You’ll receive a full refund if you haven’t begun your trip or filed a claim.
Q. Who underwrites Insure4Less Travel Insurance?
A. Insure4Less travel insurance policies are underwritten by Chase Underwriting Pty Ltd.
Jessica Prasida is a travel insurance expert for Finder. She lives and breathes travel, having worked as a travel agent and branch manager at STA Travel for over 4 years, then writing about travel insurance with Finder for another 5 years. Jess has a Bachelor of Business from the University of Technology, Sydney and a Tier 1 General Insurance qualification.
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