Insure4Less is one of the most generous in COVID-19 cover. You're covered not only for overseas medical expenses but also for quarantine and additional travel expenses.
Cons
While it might be more than enough for some trips, Insure4Less's cover for cancellation and lost deposit expenses of $10,000 is one of the lowest rates we found.
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Summary of Insure4Less's Excel Plus policy
Overseas medical and hospital expenses
Unlimited
Cancellation and amendment fees
$10,000
Luggage and personal effects
$5,000
Maximum age limit
70
Table updated March 2024
How does Insure4Less Travel Insurance cover COVID-19?
Insure4Less Travel Insurance is 1 of 23 insurers that offer some cover for COVID-19. The following 3 key benefits are covered:
Overseas medical expenses if you are diagnosed while on your journey
Additional travel and accommodation expenses to enable your return home if you're unable to continue your trip as planned
Quarantine costs
Cover may be limited for some plans (e.g. Medical Only) and medical expenses are not covered at all in Australia as this is already covered by Medicare or your private health insurance.
If you're at all worried about COVID-19 upsetting your travel plans, we've compared all the providers that offer cover for pandemic-related expenses.
What policies does Insure4Less offer?
There are 4 travel insurance policies offered by Insure4Less: Medical Only, Essentials, Excel and Excel Plus. Here are some of the main insured events a policy can cover you for:
Excel Plus
Excel
Essentials
Medical Only
The insurance is issued by Chase Underwriting Pty Ltd and comes with a $200 standard excess and a 14-day cooling-off period. The cooling-off period allows you to cancel your policy and obtain a full refund within 14 days if you change your mind.
Here's a breakdown of Insure4Less travel insurance features
These are some of the features that Insure4Less will cover you for if something does happen on your trip. Some of these benefits are only available for certain levels of cover (e.g. a comprehensive policy vs medical only).
24/7 emergency medical assistance
Accidental death or disability
Baggage and personal effects
Cancellation fees, lost deposits and curtailment
Car rental excess waiver
Emergency dental treatment
Hijack benefit
Overseas medical expenses
Resumption of trip
Search and rescue expenses
Optional add-on
When purchasing any of the insurance plans from Insure4Less, you have the chance of choosing Single Trip or Annual Multi-trip. 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 the following:
Snow sports. Get 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.
Exclusions
Regardless of the insurance policy purchased, there are situations where you will never be covered by Insure4Less, including the following:
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 related to anxiety, stress or mental illness of you or your travelling companions
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
These are usually listed as general exclusions in your policy wording. Make sure you read Insure4Less's product disclosure statement for a detailed breakdown of what is and isn't covered.
How to make an Insure4Less Travel Insurance claim
For medical emergencies, Insure4Less has a 24-hour emergency service that you can contact on +61 (0) 2 9312 5168 or assistance@fullertonhealth.com.au.
All other claims can be completed online by following these steps:
Head to https://claimforms.gallagherbassett.com.au/travel/claim
Choose your claim type
Enter your policy number, full name, date of birth and contact details
Complete your claim details by answering all sections
Upload any required documents to support your claim
Submit, and your claim should be processed within 10 business days
Here's the bottom line about Insure4Less Travel Insurance
Insure4Less offers a range of policies to suit your needs, from Medical Only all the way to the more comprehensive Excel Plus. It's also one of the few providers to cover a vast range of adventure activities, like shark-cage diving and sky diving as standard. If you're heading overseas on a one-way ticket or already overseas and need cover, Insure4Less is one of the only providers we've seen that will cover you.
On the other hand, its travel cancellation cover could leave you wanting more. Not only are you only covered for a maximum of $10,000, but Insure4Less has a general exclusion for claims arising from pre-trip cancellation in relation to COVID-19. You'll be left to negotiate a refund with your airline and travel providers if you are diagnosed with COVID-19 before starting your trip.
Insure4Less travel insurance is issued by Chase Underwriting Pty Ltd.
You can contact Insure4Less on +61 2 9312 5168 for emergency assistance or +61 7 3005 1613 for claims assistance.
Yes, Insure4Less is one of a handful of providers that will insure you while overseas. You must be an Australian resident returning to Australia to be eligible and the end date of your policy must be the date you arrive back in Australia.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share.
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.
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Does this insurance cover Australians?
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!
Cheers,
Joshua