Insure4less Travel Insurance

Insure4Less Travel Insurance

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

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Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures

    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 head to the Insure4Less website or compare alternative options available below.

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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 October 2021

    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 Expenses 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 Expenses 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 Expenses 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 October 2021

    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

      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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