FAQ's
Here are some common travel insurance questions. Simply email if there's something we haven't answered about your travel insurance. We’ll get back to you in a flash.
All answers are subject to the policy terms and conditions as shown in our PDS. To view a copy, please click here.
Q. Who can buy insure4less travel insurance? Answer
Q. Can I buy insure4less online travel insurance if I'm on a one‐way ticket? Answer
Q. Is there a money‐back guarantee on your travel insurance? Answer
Q. Can I extend my travel insurance from overseas? Answer
Q. Do you have a list of all countries and their respective areas of overseas travel covered by your insurance? Answer
Q. Are my credit card details safe when purchasing online travel insurance? Answer
Q. Should I buy annual travel insurance or standard travel insurance? Answer
Q. I’ll be away for a year, with a return trip to Australia in the middle. Is my 12 month travel insurance cover continuous? Answer
Q. I only really need cover for medical expenses and cancellation protection. Do you have a cheap travel insurance policy? Answer
Q. Who are the travel Insurers? Answer
Q. If I return home earlier than planned, is the travel insurance time I didn’t use refundable? Answer
Q. I have a pre-existing medical condition. Will you cover me? Answer
Q. I am already overseas. Will you cover me? Answer
Q. How come your travel insurance prices seem so much cheaper than travel agents? Answer
Q. Are you an Australian owned Company? Answer
Q. Can children travel on their own? Answer
Q. I don't have a credit card. Can I pay by bank transfer? Answer
Q. I need to make a change to my travel insurance policy. What should I do? Answer
Q. Am I covered to drive a car by my trip insurance? Answer
Q. What sports are covered by sports travel insurance? Answer
Q. Does insure4less travel insurance cover you for working overseas? Answer
Q. How do I make a travel insurance claim? Answer
Q. Is there a medical emergency service provided by my trip insurance? Answer
Q. What sort of things does insure4less travel insurance cover? Answer
Q. Does annual multi-trip travel insurance/multi trip insurance cover holidays in Australia? Answer
Q. Does annual multi-trip insurance cover my kids or partner travelling independently of me if I am the main policyholder? Answer
Q. Is there a limit on the number of days I can be overseas with annual travel insurance? Answer
Q. Am I covered by my travel insurance if I accidentally cause damage in my hotel? Answer
Q. Why do you offer such a high amount of Medical Expenses cover? Answer
Q. What should I do with my belongings if I want to swim at the beach and keep them covered by trip insurance? Answer
Q. My belongings were stolen and the police won’t write me a report. Can I still claim from my travel insurance? Answer
Q. Am I covered by trip insurance if my flight is delayed and I miss a connection? Answer
Q. If my flight is delayed can I cancel, go home and be refunded through my travel insurance? Answer
Q. Am I covered by travel insurance for cancellation if one of my relatives is ill? Answer
Q. If I have to return home for an insured reason, will the trip insurance compensate me for my holiday? Answer
Who can buy insure4less travel insurance?
insure4less travel insurance is available for Australian citizens who maintain domiciled status in Australia and for non-Australian citizens who have been resident for a period of not less than 3 months. You do not have domiciled status if you have permanently migrated to another country or your permanent place of abode is outside of Australia. It is therefore ideal for people in Australia on business visas, 457 visas, student visas etc. This travel insurance is available for people aged 65 or under at the time of taking out the policy. Back
I have a pre-existing medical condition. Will you cover me?
We automatically cover a wide range of pre-existing medical conditions. For more info, click here. Back
How come your travel insurance prices seem so much cheaper than travel agents?
A question we get asked a lot because travel agents are very keen on selling their own policies as they make up to 50% commission or more. That means that half of what you pay is going to the travel agent and not the insurer for paying claims. We cut out the middleman and by doing so can reduce our premiums. We also have the benefit of a streamlined web based system that doesn’t involve any human intervention unless you want to ask a question. In addition, we don’t insure anyone over the age of 65. This helps us keep claims lower and so the premium you pay lower. Back
I am already overseas. Will you cover me?
If you are an Australian citizen who maintains domiciled status in Australia you can take out cover with insure4less. You do not have domiciled status if you have permanently migrated to another country or your permanent place of abode is outside of Australia. Back
Are you an Australian owned Company?
Yes, insure4less is 100% Australian owned and operated. Back
Why do you offer such a high amount of Medical Expenses cover?
All 3 of the insure4less policies include up to $10 million medical expenses cover. The team at insure4less has over 40 years of experience in the travel insurance industry dealing with thousands of medical emergency claims. During that time we have never heard of a claim exceeding $1 million. So really the high amount is there to give you confidence in knowing that there is more than enough cover in place should you have a medical emergency. Back
Can children travel on their own?
Yes, simply enter the number of children when getting a quote where it states: "Other children aged under 18 years". Back
I don't have a credit card. Can I pay by bank transfer?
We normally only accept credit card transactions. However, assuming that your departure date is not within 7 days of your application and that your quote via www.insure4less.com.au is for more than $300 we can accept payment directly into our bank account. Please email us for more information. Back
I need to make a change to my travel insurance policy. What should I do?
Simply email us explaining what changes you require and we will respond with 1 business day. Back
All answers are subject to the policy terms and conditions as shown in our PDS. To view a copy, please click here.
Buying online travel insurance
Q. Who can buy insure4less travel insurance? Answer
Q. Can I buy insure4less online travel insurance if I'm on a one‐way ticket? Answer
Q. Is there a money‐back guarantee on your travel insurance? Answer
Q. Can I extend my travel insurance from overseas? Answer
Q. Do you have a list of all countries and their respective areas of overseas travel covered by your insurance? Answer
Q. Are my credit card details safe when purchasing online travel insurance? Answer
Q. Should I buy annual travel insurance or standard travel insurance? Answer
Q. I’ll be away for a year, with a return trip to Australia in the middle. Is my 12 month travel insurance cover continuous? Answer
Q. I only really need cover for medical expenses and cancellation protection. Do you have a cheap travel insurance policy? Answer
Q. Who are the travel Insurers? Answer
Q. If I return home earlier than planned, is the travel insurance time I didn’t use refundable? Answer
Q. I have a pre-existing medical condition. Will you cover me? Answer
Q. I am already overseas. Will you cover me? Answer
Q. How come your travel insurance prices seem so much cheaper than travel agents? Answer
Q. Are you an Australian owned Company? Answer
Q. Can children travel on their own? Answer
Q. I don't have a credit card. Can I pay by bank transfer? Answer
Q. I need to make a change to my travel insurance policy. What should I do? Answer
Holiday insurance activities coverage.
Q. Am I covered for motorcycling by my medical travel insurance? AnswerQ. Am I covered to drive a car by my trip insurance? Answer
Q. What sports are covered by sports travel insurance? Answer
Q. Does insure4less travel insurance cover you for working overseas? Answer
Travel insurance coverage & claims
Q. Is there travel insurance cover for terrorism? AnswerQ. How do I make a travel insurance claim? Answer
Q. Is there a medical emergency service provided by my trip insurance? Answer
Q. What sort of things does insure4less travel insurance cover? Answer
Q. Does annual multi-trip travel insurance/multi trip insurance cover holidays in Australia? Answer
Q. Does annual multi-trip insurance cover my kids or partner travelling independently of me if I am the main policyholder? Answer
Q. Is there a limit on the number of days I can be overseas with annual travel insurance? Answer
Q. Am I covered by my travel insurance if I accidentally cause damage in my hotel? Answer
Q. Why do you offer such a high amount of Medical Expenses cover? Answer
Lost and stolen belongings
Q. If I lose all my baggage, can I start a travel insurance claim from overseas? AnswerQ. What should I do with my belongings if I want to swim at the beach and keep them covered by trip insurance? Answer
Q. My belongings were stolen and the police won’t write me a report. Can I still claim from my travel insurance? Answer
Delays, cancellations, missed flights & other trip insurance changes
Q. Am I covered by trip insurance if I miss my flight because of a traffic jam? AnswerQ. Am I covered by trip insurance if my flight is delayed and I miss a connection? Answer
Q. If my flight is delayed can I cancel, go home and be refunded through my travel insurance? Answer
Q. Am I covered by travel insurance for cancellation if one of my relatives is ill? Answer
Q. If I have to return home for an insured reason, will the trip insurance compensate me for my holiday? Answer
Is there travel insurance cover for terrorism?
Unlike most cheap travel insurance companies, insure4less includes cover for terrorist activities. And we don’t restrict trip insurance medical expenses compensation. Your travel insurance covers terrorism in countries where the Australian Government does not have a Level 5 "Do not travel" warning. If you have already paid for your insurance and then the Government issues a Level 5 "Do not travel" advice to that destination, there is cover to cancel your trip. BackCan I extend my travel insurance from overseas?
Insure4less trip insurance lets you extend your travel insurance whilst travelling. If you have an ongoing medical claim, you won’t receive further trip insurance payments relating to that particular claim. It’s better to take a longer period of travel insurance first. BackCan I buy insure4Less online travel insurance if I'm on a one-way ticket?
Yes. Just tell us the date you want the online travel insurance to end. If you need to come back during your trip for an insured reason and don’t hold a return ticket, you’ll need to pay for that. If you make a trip insurance claim, you may need to prove that you intended to return to Australia. BackAm I covered for motorcycling by my medical travel insurance?
Yes. If you have an appropriate licence for the country you are in, then there is cover for medical expenses following a motorcycle accident. Travel insurance doesn't replace normal motor insurance and therefore, for example, there is no cover for third party liability or damage to the bike. Please contact the relevant authorities in the country you are travelling to to ensure that your licence is appropriate. BackAm I covered to drive a car by my trip insurance?
Yes, if you have a current and appropriate licence! Personal Liability is not covered. This cover should be offered by the car owner or rental company. Our plans, Excel and Excel Plus also provide overseas car rental excess waiver. This is the reimbursement of overseas car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a motor car accident whilst you are the driver or it is stolen during the journey. This cover is not available in Australia. BackIf I lose all my baggage, can I start a travel insurance claim from overseas?
You can, but international trip insurance claims can be difficult. If possible, ask someone at home to deal with the trip insurance claim for you. Baggage loss is traumatic and inconvenient, however fast the travel insurance claim goes. BackI’ll be away for a year, with a return trip to Australia in the middle. Is my 12 month travel insurance cover continuous?
Yes, your trip insurance cover is continuous if you haven’t returned early or made a claim. You won't be covered whilst you're in Australia. BackI returned home early. Is travel insurance time I didn’t use refundable?
No. insure4less travel insurance is not refundable after the 14 day cooling off period. If in doubt, take your trip insurance over a shorter period and extend later. BackAm I covered by trip insurance if I miss my flight because of a traffic jam?
Yes. Your trip insurance covers you for delays from an accident or vehicle breakdown. BackAm I covered by trip insurance if my flight is delayed and I miss a connection?
Yes. You are covered by travel insurance for additional accommodation and travel expenses, up to the trip insurance policy limit, provided you left sufficient time between the two flights. BackWhat should I do with my belongings if I want to swim at the beach and keep them covered by trip insurance?
Don’t leave valuables unattended if you want them covered by your trip insurance. In need, ask a friend to look after them. BackMy belongings were stolen and the police won’t write me a report. Can I still claim from my travel insurance?
To claim from your trip insurance, obtain a report from your holiday representative, hotelier or local tourist office. This must confirm the loss and why police wouldn’t help. BackAm I covered by my travel insurance if I accidentally cause damage in my hotel?
Yes. Up to the limit shown under the Personal Liability section of the policy. BackAm I covered by travel insurance for cancellation if one of my relatives is ill?
Yes. You are covered by trip insurance if certain family members are taken ill and you have to cancel. BackIf I have to return home for an insured reason, will the trip insurance compensate me for my holiday?
Travel insurance will pay for the number of complete nights of accommodation lost. For travel expenses, trip insurance will pay for additional costs, but not for the loss of pre‐booked arrangements. BackIf my flight is delayed can I cancel, go home and be refunded through my travel insurance?
Yes. You can request a refund of your holiday costs. But only if your flight is delayed 12+ hours because of strike, riot, civil commotion, accident, mechanical breakdown or bad weather. BackWho are the travel insurance Insurers?
Your travel insurance policy is insured 100% at Lloyd’s of London, one of the World’s largest Insurers. You have complete security and peace of mind with your trip insurance. BackWho insures with Lloyd's?
Lloyds doesn’t just insure travel insurance companies. They insure many of the world's leading businesses. BackIs there a medical emergency service provided by my trip insurance?
Yes. You get 24/7 Medical Emergency Helpline from one of the world’s leading medical travel insurance assistance companies. BackWhat sports are covered by sports travel insurance?
Holiday insurance covers most amateur activities and sports. Learn more about insure4less sports travel insurance here. BackI only really need cover for medical expenses and cancellation protection. Do you have a cheap travel insurance policy?
Why pay more for cover you don’t need? Insure4less offers a choice of online travel insurance policies to suit your budget. BackDoes insure4less travel insurance cover you for working overseas?
insure4less trip insurance automatically covers you for non‐manual, non‐hazardous work overseas. Such as working in a bar or office. BackIs there a money back guarantee on your travel insurance?
Yes. As long as you haven’t begun travelling or made a claim, we can refund your trip insurance premium within 14 days of issue. BackHow do I make a travel insurance claim?
Valid, fully‐documented travel insurance claims will be paid within 10 working days. Simply click here for details of how to claim. BackWhat sort of things does insure4less travel insurance cover?
insure4less Travel insurance covers medical expenses, cancellation, curtailment, travel delay, missed departure, catastrophe cover, baggage loss, emergency purchases, legal expenses, personal liability, hijack, mugging, search and rescue, trip resumption, overseas car rental excess waiver and personal accident. Check policy details for exactly what your trip insurance covers. BackDo you have a list of all countries and their respective areas of travel covered by your travel insurance?
Yes. Our area of travel page shows countries your overseas travel insurance covers. BackAre my credit card details safe when purchasing online travel insurance?
Insure4less online travel insurance service uses bank‐level encryption. The highest supported by standard web browsers. Online travel insurance premiums paid by credit card are processed through Eway and Commonwealth Bank. No details are stored on our servers. There is no risk of credit card details being stolen. BackShould I buy annual travel insurance or standard insurance?
Annual travel insurance cover (also known as multi trip travel insurance) is cheaper and saves time if you take several trips per year. Get a cheap annual travel insurance quote here and check our trip insurance prices. BackIf I get travel insurance for worldwide excluding USA & Canada, can I upgrade to trip insurance including them later?
Yes. You can change the destination covered by your annual travel insurance.Please email us with details. BackDoes annual travel insurance/multi trip insurance cover holidays in Australia?
Annual travel insurance covers Australian holidays if they are for two or more nights in pre‐booked holiday accommodation. Remember, medical expenses and car excess waiver cover is not covered within Australia. BackIs there a limit on the number of days I can be abroad with annual travel insurance?
Annual travel insurance policies limit the number of days you can spend abroad on any one trip. The maximum is 93 days. Unlike other annual travel insurance or multi trip travel insurance policies, we don’t restrict the total number of days you can spend on holiday abroad during the year. BackWho can buy insure4less travel insurance?
insure4less travel insurance is available for Australian citizens who maintain domiciled status in Australia and for non-Australian citizens who have been resident for a period of not less than 3 months. You do not have domiciled status if you have permanently migrated to another country or your permanent place of abode is outside of Australia. It is therefore ideal for people in Australia on business visas, 457 visas, student visas etc. This travel insurance is available for people aged 65 or under at the time of taking out the policy. Back
Does annual travel insurance cover my children or partner travelling independently of me if I am the travel insurance policyholder?
Yes, if you take the Excel Plus option of our online travel insurance. BackI have a pre-existing medical condition. Will you cover me?
We automatically cover a wide range of pre-existing medical conditions. For more info, click here. Back
How come your travel insurance prices seem so much cheaper than travel agents?
A question we get asked a lot because travel agents are very keen on selling their own policies as they make up to 50% commission or more. That means that half of what you pay is going to the travel agent and not the insurer for paying claims. We cut out the middleman and by doing so can reduce our premiums. We also have the benefit of a streamlined web based system that doesn’t involve any human intervention unless you want to ask a question. In addition, we don’t insure anyone over the age of 65. This helps us keep claims lower and so the premium you pay lower. Back
I am already overseas. Will you cover me?
If you are an Australian citizen who maintains domiciled status in Australia you can take out cover with insure4less. You do not have domiciled status if you have permanently migrated to another country or your permanent place of abode is outside of Australia. Back
Are you an Australian owned Company?
Yes, insure4less is 100% Australian owned and operated. Back
Why do you offer such a high amount of Medical Expenses cover?
All 3 of the insure4less policies include up to $10 million medical expenses cover. The team at insure4less has over 40 years of experience in the travel insurance industry dealing with thousands of medical emergency claims. During that time we have never heard of a claim exceeding $1 million. So really the high amount is there to give you confidence in knowing that there is more than enough cover in place should you have a medical emergency. Back
Can children travel on their own?
Yes, simply enter the number of children when getting a quote where it states: "Other children aged under 18 years". Back
I don't have a credit card. Can I pay by bank transfer?
We normally only accept credit card transactions. However, assuming that your departure date is not within 7 days of your application and that your quote via www.insure4less.com.au is for more than $300 we can accept payment directly into our bank account. Please email us for more information. Back
I need to make a change to my travel insurance policy. What should I do?
Simply email us explaining what changes you require and we will respond with 1 business day. Back