FAQs
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.
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 FAQs
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.
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.
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.
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.
Yes. Our area of travel page shows countries your overseas travel insurance covers.
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.
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.
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.
Why pay more for cover you don’t need? Insure4less offers a choice of online travel insurance policies to suit your budget.
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.
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.
We automatically cover a wide range of pre-existing medical conditions. For more info, click here.
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.
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.
Yes, insure4less is 100% Australian owned and operated.
Yes, simply enter the number of children when getting a quote where it states: "Other children aged under 18 years". If you take out an annual multi-trip policy, you will need to select the Excel Plus plan for children to travel independently of the main insured.
Simply email us explaining what changes you require and we will respond with 1 business day.
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.
Holiday Insurance Activities Coverage FAQs
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.
Insure4less trip insurance automatically covers you for non‐manual, non‐hazardous work overseas. Such as working in a bar or office.
Holiday insurance covers most amateur activities and sports. Learn more about insure4less sports travel insurance here.
Travel Insurance Coverage & Claims FAQs
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.
Valid, fully-documented travel insurance claims will be paid within 10 working days. Simply click here for details of how to claim.
Yes. You get 24/7 Medical Emergency Helpline from one of the world’s leading medical travel insurance assistance companies.
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.
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. Click here to get a quote.
Yes, if you take the Excel Plus option of our online 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.
Yes. Up to the limit shown under the Personal Liability section of the policy.
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.
Lost And Stolen Belongings FAQs
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.
Don’t leave valuables unattended if you want them covered by your trip insurance. In need, ask a friend to look after them.
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.
Flights & Other Trip Insurance Changes FAQs
Yes. Your trip insurance covers you for delays from an accident or vehicle breakdown.
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.
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.
Yes. You are covered by trip insurance if certain family members are taken ill and you have to cancel.
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.