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!
The Insure4Less travel insurance policies are underwritten by Berkshire Hathaway Specialty Insurance, a global company with nearly $300 billion in declared assets.
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
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.
As the name states - only includes cover for medical expenses and nothing else.
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.
Cancellation fees and lost deposits
Overseas medical expenses
Baggage and personal effects
Up to $250
Up to $500
Abandonment of trip
Car rental excess waiver
Personal money, travel tickets and passport
Table updated September 2019
Cancellation fees and lost deposits. If you suffer an illness or injury and can't travel, or your trip has to be cancelled due to jury duty or pregnancy, you may be refunded some of the costs that cancellation incurs.
Overseas medical expenses. Being sick overseas can be a nightmare. Insure4Less may pay any medical or hospital bills you get overseas as the result of medically necessary treatment.
Personal liability. If you hurt someone accidentally while overseas, or cause damage to others' property, you may be liable to pay compensation. Personal liability can help to cover these potentially hefty costs.
Baggage and personal effects. Your luggage may end up getting lost, damaged, or stolen while you're on your trip through no fault of your own. In this situation, or where your luggage ends up delayed more than 24 hours, Insure4Less might pay for the replacement or repair of lost or damaged items.
Travel delay. If you were planning to take public transport on your trip and it gets delayed by 12 hours, you could be reimbursed. After 36 hours of delay, you are covered under the cancellation fee cover, instead.
Car rental excess waiver. In case of an accident or damage to a rental car, you are liable to pay an excess to the rental company. Insure4Less may pay this excess or the repair costs for the vehicle.
Catastrophe cover. Out of the blue, a natural disaster, lightning strike or a local epidemic render your pre-booked accommodation uninhabitable. This is where catastrophe cover can kick in.
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 www.smarttraveller.org.au
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 email@example.com Make a claim online: Start you claim here https://claimforms.gallagherbassett.com.au/travel/claim Make a claim via email: firstname.lastname@example.org Make a claim enquiry: +61 7 3005 1613 General enquiries by email only: email@example.com
Jessica Prasida is a graduate publisher for travel insurance at Finder. She has a Bachelor of Business and four years of experience in the travel industry, where she learned about the importance of travel insurance. Jess is currently studying a Masters of Marketing at the University of Technology in Sydney. In her spare time, she eats, and travels the world.
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