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Insure4Less Travel Insurance

Compare policies and benefits to see if Insure4less has the right travel insurance for you.


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Insure4less Travel Insurance

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We've had a good look at Insure4less travel insurance and outlined all the information you need to know when deciding on a policy. We've found some special features, summarised different plans and compared policy benefits - all so that you don't have to!

Insure4less Travel Insurance is not currently available via Finder. You can visit its website for more information or compare alternative options available below.

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warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
International travel insurance is limited and sometimes unavailable at this point.

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Summary of Insure4less' Excel Plus policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment Fees$7,500
Luggage and Personal Effects$5,000
Maximum Age Limit70

Table updated February 2020

Finder's favourite features:

1. Simple choice of four levels of cover whether you're travelling internationally or domestically
2. Extra peace of mind with catastrophe cover included in Excel Plus policies
3. Insure4less is one of the few brands that can cover off-piste skiing/snowboarding

Insure4less travel insurance options


Excel Plus

The most comprehensive plan for those who are after peace of mind while travelling.



A less comprehensive plan than Excel Plus but with handy features and inclusions.



The budget-friendly option that only covers the basics of travelling.


Medical Only

As the name states - only includes cover for medical expenses and nothing else.

Insure4less review of benefits

There are three main travel insurance policies offered by Insure4Less, each with their own set of benefits. In addition, there is a Medical Only plan which only offers overseas medical expenses cover and nothing else. Each plan is available as a Single Trip or Annual Multi-Trip.

BenefitsEssentialsExcelExcel PlusMedical Only
Cancellation fees and lost deposits$2,500$5,000$7,500
Overseas medical expensesUnlimitedUnlimitedUnlimitedUnlimited
Personal liability$2,500,000$5,000,000$7,500,000
Baggage and personal effects$2,500$3,500$5,000
Travel delay
Up to $250Up to $500
Abandonment of trip
Car rental excess waiver
Personal money, travel tickets and passport
Missed departure/connection$500$750$1,000
Catastrophe cover

Table updated June 2020

What options can I add-on to my Insure4Less travel insurance?

When purchasing any of the insurance plans from Insure4Less, you have the chance of choosing Single Trip or Annual Multi-trip at purchase. With Annual Multi-trip, you can extend your cover over multiple trips starting and ending at your home in Australia. Other add-on options include;

  • Snow sports. Cover if you plan to participate in skiing, snowboarding, back country skiing/snowboarding, snowcat skiing/snowboarding, cross country skiing, glacier skiing, glacier walking, snow monoskiing and snowblading. Off-piste cover can also be added onto most policies except for the USA and Canada.
  • Rock climbing, trekking or mountaineering. You can get cover depending on your level of experience. Insure4less will ask for a few details about your trekking trip and determine the right premium. Cover for mountaineering is not available in the USA and Canada. No cover is available in Nepal for rock climbing, trekking or mountaineering.

What isn't covered by my policy?

Regardless of the insurance policy purchased, there are situations where you will never be covered by Insure4Less. These include claims where:

  • You have continued with travel plans to a country or region despite warnings from the Australian Government at
  • You are travelling on an aircraft that is anything other than a completely licensed passenger aircraft.
  • It's at all related to anxiety, stress or mental illness of you or your travelling companions, or to a pre-existing medical condition not pre-approved by Insure4Less before purchasing insurance.
  • You are under the influence of unprescribed drugs or alcohol at the time of the incident.
  • You have taken part in any sport or leisure activity that isn't approved by Insure4Less.
  • You've engaged in any illegal or criminal activities.
  • For any reason you've done manual labour or work in conjunction with a profession or trade during your trip.

Claim and contact details for Insure4Less

Emergency assistance: +61 (0) 2 8907 5953 or
Make a claim online: Start you claim here
Make a claim via email:
Make a claim enquiry: +61 7 3005 1613
General enquiries by email only:

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2 Responses

  1. Default Gravatar
    hanMarch 20, 2019

    Does this insurance cover Australians?

    • Avatarfinder Customer Care
      JoshuaMarch 21, 2019Staff

      Hi Han,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      Yes, Insure4Less Travel Insurance cover Australians. If you want to get a quote, please use the form above, fill it out, and click on the “Get Quote” button.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


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