Bali Ash Cloud advice updated 16 March 2016A:
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.
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Zika Virus advice updated 15 Feb 2016A:
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.
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 firstname.lastname@example.org for assistance.
on or before 30 November 2015, contact our Emergency Assistance team on +44 (0) 1992 444 337 or email@example.com for assistance.
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.
For general enquiries, please contact the insure4less team via firstname.lastname@example.org
If you have a question regarding your claim or potential claim, please contact the claims managers Gallagher Bassett on +61 7 3005 1613 or email@example.com
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.
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.
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.
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.
One-way travel / No return ticket?A:
For policies purchased in Australia:
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.
If you are an Australian resident and presently overseas and are looking to take out a travel insurance policy with us, the policy end date must be the date that you intend to return to Australia. Therefore, the option to extend is not available.
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.
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.
Kids travelling alone?A:
Simply enter the number of children when getting a quote where it asks: "Other children aged under 18 years".
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.
What cover is there for terrorism?A:
You are covered, subject to the policy terms and conditions, to travel anywhere that the Australian government does not have a specific 'do not travel' advice. So, for example, if you were involved in a terrorist act you would be covered for medical expenses etc.
If the government advice was to change to 'do not travel' from a lesser advice such as 'high degree of caution' or 'reconsider your need to travel' then subject to the policy terms and conditions, the insure4less policy would give you the option to cancel before travel if the advice did change. For the latest government advice, please visit www.smartraveller.gov.au
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.
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.
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.
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.
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.
insure4less has an option to cover mountaineering depending on your experience. Click here for more details. There is no cover for Mountaineering in the USA, Canada, Nepal, Antarctica or the Arctic.
insure4less has an option to cover trekking. Click here for more details. There is no cover for trekking in the USA, Canada, Nepal, Antarctica or the Arctic.
Our standard travel insurance policy excludes sailing unless it is within a short distance of the coastline. Therefore, if you are sailing outside of territorial waters or sailing competitively, you need to purchase our sailing cover. For more information about our offshore sailing/yachting cover, please click here
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.
Pre-existing medical conditions?A:
We automatically cover a wide range of pre-existing medical conditions. For more info, click here.
Extend travel insurance from overseas?A:
For policies purchased in Australia:
insure4less travel insurance lets you extend your travel insurance whilst travelling - simply sign into your account.
For policies purchased overseas:
Our insurance is appropriate if you are an Australian resident and are overseas intending to return to Australia on the date your policy ends. Therefore, the option to extend is not available.
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.
Policies insured at Lloyds of LondonA:
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.
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.
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.
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.
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.
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.
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.