Over the years we have received thousands of travel insurance related questions. The following shows responses to the most common queries. Simply email us if there's something we haven't answered or made clear. 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.

  1. Bali Ash Cloud advice updated 16 March 2016

    A:

    According to the Volcanic Ash Advisory Centre in Darwin, eruptions from Mt Rinjani (Mount Baru Jari) on the island of Lombok in Indonesia have now dissipated. Any further volcanic eruption to cause disruption to travel plans shall be considered a new, unforeseeable event with regard to cover under any policy purchased prior to the next disruption.

    Download Product Disclosure Statement

  2. Zika Virus advice updated 15 Feb 2016

    A:

    Important information for policyholders of insure4less Travel Insurance relating to Zika virus


    The recent outbreak of the Zika virus has led to The World Health Organisation officially declaring the Zika virus an international public health emergency.  With the possible transmission of the disease to unborn babies, and taking a very cautious approach, the Australian Government (DFAT) are advising pregnant women to consider postponing travel to countries affected by the virus. 
    Travel insurance policies are designed to respond to unforeseen events, such as outbreaks of transmissible diseases. 
    To see whether your travel destination is affected please click on the following link: cdc.gov/zika/geo

    For all policies issued on or before 22 January 2016
    Section 1 – Pre-trip Cancellation/Postponement:
     
    For those travellers who are pregnant (in any trimester) and have to cancel or change their travel plans to avoid travelling to affected countries/territories listed above while pregnant, cover is available (for them and their partner/dependants on their policy) for the lesser of cancellation or postponement costs.  
    Section 1 - Cancellation during travel: 
    For those travellers who are pregnant (in any trimester) at the time of travel and have to cancel their pre-paid travel arrangements to avoid travelling to affected countries/territories listed above, cover is available (for them and their partner/dependants on their policy) for cancellation costs.
    NOTE:
    No cover is provided for Cancellation/Postponement costs if you are not pregnant at the time of travel to these countries. If you wish to change your travel plans, contact your travel service providers directly for assistance. 
    Section 2 - Overseas Medical Expenses 
    For those travellers issued with a policy prior to suffering a sudden illness from the Zika virus, medical expenses and medical evacuation (where medically necessary) cover are available.

    If you suddenly fall ill and purchased your policy

    on or after 1 December 2015, contact our Emergency Assistance team on +61 (0) 2 8907 5953 or assist@medicalassistance.com.au  for assistance. 

    on or before 30 November 2015, contact our Emergency Assistance team on +44 (0) 1992 444 337 or medicalops2@intana-assist.com  for assistance. 

    Claims Information
    In the event of a claim covered by your policy, you must do everything you can to minimise and reduce the cost of the claim (including seeking compensation from any travel service providers), and provide all supporting documentation of the event and expenses incurred. To lodge a claim, complete the online claim form available via the insure4less website at www.insure4less.com.au


    Policies purchased on or after 23 January 2016

    Travel insurance provides cover for unforeseen events only and therefore, there is no cover for amendment or cancellation costs for policies issued on or after 23rd January 2016 as the outbreak of the Zika Virus is no longer deemed an unforeseen event.

    If you decide to change your travel plans, we suggest you to talk with your travel agent or transport provider as soon as possible to minimise your out of pocket expenses.

    If you travel to a country affected by the Zika virus and contract the virus, there is no cover for overseas medical expenses.

    If you are pregnant and travelling to a destination not listed on the CDC cdc.gov/zika/geo website as being affected by the outbreak of the Zika Virus as the date of this notice, then you will be covered for cancellation costs (up to the nominated policy limits) should that destination subsequently be listed as being affected after.

     

    Important general advice

    This information must be read in conjunction with the PDS as certain terms, conditions, limits and exclusions apply. These terms, conditions, limits and exclusions are detailed in the PDS and in particular we draw your attention to the Schedule of Cover and General Exclusions sections of the PDS.

    Any Questions?

    For general enquiries, please contact the insure4less team via travel@insure4less.com.au

    If you have a question regarding your claim or potential claim, please contact the claims managers Gallagher Bassett on +61 7 3005 1613 or brisclaims@gbtpa.com.au

     

    This is general advice, and you should consider if this product suits your needs. Before you buy, please read the Product Disclosure Statement available from www.insure4less.com.au. This insurance is underwritten by certain underwriters at Lloyd's.

  3. Who can buy insure4less travel insurance?

    A:

    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.

  4. Cover if already overseas?

    A:

    So long as you are an Australian resident and returning to Australia (i.e. the end date of the policy must be the date you arrive back in Australia), you can take out a policy. However, there is no cover in place for the first 48 hours from the policy start date.

  5. Non-Australian residents living in Oz?

    A:

    Most travel insurance companies’ state that you have to be a permanent resident of Australia to take out a travel insurance policy. We have a special arrangement with our insurers whereby all we ask ids that you have been living in Australia for at least the past 3 months. This is perfect for those of you on 457 visas , holiday or student visas.

  6. One-way travel / No return ticket?

    A:

    It’s hard to find travel insurers who are prepared to cover you if you don’t have a return ticket back into Australia. We do. This is great if you are leaving Australia permanently and taking time travelling before settling into your new home or if you simply don’t know when you’ll be back.

  7. Annual multi-trip travel insurance?

    A:

    Annual travel insurance cover (also known as multi trip travel insurance) can be cheaper than taking lots of individual policies during the year if you are a frequent traveller. The insure4less annual multi-trip travel insurance covers trips within Australia if they include at least one overnight stay and a minimum distance of 250 kms from your place of residence. Annual travel insurance policies limit the number of days you can spend abroad on any one trip. Our 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. Our Excel Plus plan allows your partner or any children to travel independently of the main policyholder.

  8. Group travel insurance?

    A:

    If you are organising a large group such as a school study tour then the insure4less online facility is perfect for you. Most online travel insurers restrict the number of people you can cover to a family. We can cover up to 25 adults and 25 children on one policy.

  9. Kids travelling alone?

    A:

    Simply enter the number of children when getting a quote where it asks: "Other children aged under 18 years".

  10. Overseas medical expenses?

    A:

    All of the insure4less policies include unlimited 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 $2 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. Australian travel insurers are not permitted by law to pay medical expenses in Australia.

  11. Terrorism?

    A:

    Unlike most cheap travel insurance companies, insure4less includes cover for terrorist activities. And we don’t restrict medical expenses cover. Your travel insurance covers terrorism in countries where the Australian Government does not have a Level 4 "Do not travel" warning. If you have already paid for your insurance and then the Government issues a Level 4 "Do not travel" advice to that destination, there is cover to cancel your trip subject to the policy terms.

  12. Epidemics and Pandemics?

    A:

    Over the past few years there have been some serious pandemics affecting travellers. These include Bird Flu, SARS and Ebola. Unlike most insurance companies, insure4less does not exclude cover for epidemics or pandemics. So if you have a policy in place before the outbreak you would be covered subject to the policy terms for medical expenses and cancellation.

  13. Cruises?

    A:

    All insure4less travel insurance policies automatically include cover for Cruises. Travellers on domestic cruises within Australian waters, should select their area of travel as 'Pacific Including New Zealand & Fiji' to ensure that cover is available for emergency medical assistance and expenses.

  14. Riding scooters & motorbikes ?

    A:

    Motorcycles - If you have an Australian motorcycle licence that is valid in the country you are in, then there is cover for medical expenses if you were to have an accident.

    Scooters - If you have an Australian drivers or motorcycle licence that is valid in the country that you are in, then there is cover for medical expenses if you were to have an accident.

    Travel insurance does not cover liability whilst riding a bike or scooter.

  15. Snow sports and off piste?

    A:

    insure4less has an option to cover snow sports – this can be extended to include off-piste in countries other than the USA and Canada.

  16. Rock Climbing?

    A:

    insure4less has an option to cover rock climbing depending on your experience. Take a look at our Rock Climbing Travel Insurance page for more information.

  17. Mountaineering?

    A:

    insure4less has an option to cover mountaineering depending on your experience. Click here for more details.

  18. Trekking?

    A:

    insure4less has an option to cover trekking. Click here for more details.

  19. Other activities?

    A:

    The insure4less plans automatically include cover for a range of activities from bungee jumping to scuba diving to zorbing. Click here to see the full list.

  20. Pre-existing medical conditions?

    A:

    We automatically cover a wide range of pre-existing medical conditions. For more info, click here.

  21. Extend travel insurance from overseas?

    A:

    insure4less travel insurance lets you extend your travel insurance whilst travelling - simply sign into your account.

  22. Return to Australia during trip?

    A:

    Take out a 12 month single trip policy and you can return to Australia as often as you want during that period. However, there is no cover while you're back in Australia.

  23. Policies insured at Lloyds of London

    A:

    Your travel insurance policy is insured 100% at Lloyds of London, one of the World’s largest Insurers. You can travel with complete security and peace of mind.

  24. Money back guarantee?

    A:

    We're so confident in our policies that we offer a 14 day money back guarantee - As long as you haven’t started your trip or made a claim, we will refund your travel insurance premium if requested.

  25. 24/7 emergency service?

    A:

    24/7 Medical Emergency assistance is included in all of our policies - provided by one of the world’s leading medical travel insurance assistance companies.

  26. Secure website with no credit card charges?

    A:

    insure4less online travel insurance 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 and we don’t charge extra for using credit cards.

  27. 24/7 online access to my account?

    A:

    Need to make a change to your policy or download a copy of it? Simply sign in here and you can change names / email address / level of cover / extend your policy among other things.

  28. Can I buy 24 months cover for my visa?

    A:

    The maximum duration of one policy is 12 months. You cannot buy two consecutive 12 month policies to give you 24 months cover. Therefore, this insurance is not appropriate if you are looking to buy cover for a 2 year visa where you are asked to demonstrate that you have insurance in place for the full duration of your visa.

Quick Quote

today

25/12/2016

Destination & Type of Cover Complete!

What type of cover are you looking for?

Single trip: Covers trips of up to a total of 365 days in total inc one way travel. Cover for snow sports activities can be included.

Annual multi trip: Covers you for an unlimited number of trips over a 12 month period up to a maximum duration of 31, 45, 62 or 93 days per trip after which you must return to Australia before commencing a new trip. Trips wholly within Australia are insured if they include at least one overnight stay and a minimum distance of 250kms from your place of residence. Each policy includes up to 23 days snow sports cover (on piste). If you are travelling over 93 days, please select a standard, single trip travel insurance quote.

Policy Type

Where are you travelling to?

Please select the region where you are travelling to: The countries covered under each region will appear when you select the region.

Travelling To

How many people should be covered?

Please select whether you are travelling as an individual, with your partner / friend (couple) ; as a family group where one of the children is under 18 years; as a group.

Travellers

Maximum Trip Length

Travel Dates Complete!

I'd like my cover to start on

Please select the day that you commence your trip. You will be covered for claims that result in you having to cancel your trip before this date and therefore forfeit deposits paid - subject to the policy terms and conditions.

Cover Start Date

Cover Start Date

And it should end on

Please select the date that you plan to return back into Australia or if you are on a one way trip - the date that you will arrive in your final destination.

Cover End Date

Travellers planning to stay in the United States (not Canada) for 365 days or more: Following recent healthcare reforms in the United States we are unable to insure travellers who are planning to be in the United States (not Canada) for 365 days or more.

Cover End Date

 

Will you be travelling to countries outside of the USA & Canada?

If you plan to visit the USA or Canada more than once during your trip, please calculate the total number of days you will be there. Then enter the date leaving USA or Canada as the total number of days from the date arriving.

For example: You will be in the US from 1st March to 31st March (31 days) and 10th October to 26th October (17 days) = 48 days in total. So you would have a start date of 1st March and an end date of 17th April. Ie 48 days. You will receive your certificate in an email, so simply reply to the email advising the correct dates of travel within USA or Canada and we will endorse the policy accordingly.

Date arriving in USA/Canada

Date leaving USA/Canada

Travellers Complete!

In order to obtain the best value, you should include a least one adult in each policy. If you have more than 25 children then you should obtain more than one quote but ensuring that there is an adult in each subsequent quote. Please note that ages are at the date of obtaining the quote, not the date of travel.

Traveller's Age

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Ages

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Traveller's Age

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 18 to 55 years

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 56 to 60 years

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 61 to 65 years

Children under 18 in a family

Other children under 18 years

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