Insure4less Travel Insurance

Insure4Less discount codes and coupons August 2018

Pay less for your Insure4Less travel insurance policy with Insure4Less discount codes and coupons

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.

Use these coupon codes and discounts if you want to save on your cover from Insure4Less.

Insure4Less discount codes and coupons

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What policies are available from Insure4Less?

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 up to $10 million
  • 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 up to $10 million
  • 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 up to $10 million
  • 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 up to $10 million

Pros and cons of Insure4Less

Before purchasing a travel insurance policy from Insure4Less, consider the following pros and cons:

Pros

  • Underwritten by Berkshire Hathaway Specialty Insurance Company
  • 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 Berkshire Hathaway Specialty Insurance Company.

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