Cover for your
next great experience

Cover for your next great experience

  • Australians Overseas
    Australians Overseas

    Our insurance is appropriate if you’re an Australian resident overseas and intending to return to Australia on the date your policy ends. There is however, no cover in place for the first 48 hours from the policy start date.

  • Backpackers

    Never mind your age, whether away for a week or a year, we’ve got product options for you. We’ll even provide cover for your non-manual, non-hazardous work and over 130 different sports or activities. So pack your bags and get ready for the trip of a lifetime!

  • Frequent Travellers
    Frequent Travellers

    Regular jet setter? With insure4Less Annual Multi Trip policies you can save money by travelling unlimited times a year on one single policy. What’s more, we even include 23 days of free snow sports cover.

  • Cruise Holidays
    Cruise Holidays

    Going on a cruise? Rest easy knowing your overseas medical costs will be taken care of. We can even cover missed excursions due to illness and our emergency assistance company is on hand to evacuate you to shore in an emergency and if possible. 

  • Families & Groups
    Families & Groups

    Time to finally take that long awaited holiday? Whether travelling as a family, a school excursion or simply a group of friends, choose from a range of affordable travel insurance products for you and your travelling companions.

  • Snow Sports
    Snow Sports

    Don't let an injury dampen your trip! Whether you are snowboarding or simply skiing, make sure you hit the slopes with great travel insurance in place. Simply tell us when you plan to ski and get covered straight away.

  • Medical Cover
    Medical Cover

    Got pre-existing medical conditions? Whether it’s diabetes or asthma, our medical screening process is quick and easy. Simply tells us about your health and we’ll tell you straight away if we can provide cover so that you can travel with the peace of mind you deserve.

  • Seniors

    Travelling overseas should be fun! As a senior traveller make sure you have the right insurance for your trip. We can even include cover for many pre-existing medical conditions so that your holiday can be worry free and stress free!

  • Students

    Whether on an exchange program, volunteering or taking a gap year, insure4less has a range of budget travel insurance options to protect your adventure. We can even cover students under 18 and travelling alone.

For all your travel insurance needs

24/7 Emergency Assistance

Whether you are injured or ill, our helpline is available 24/7 to assist and provide cover for your overseas hospital, surgical, medical and dental costs including emergency evacuations to a medical facility or back to Australia.

Cancellations, Delays & Curtailment

Nothing is more frustrating than cancelled or delayed flights or having to cut your trip short. If this happens, you'll have the peace of mind of knowing that Insure4Less will cover the costs of getting you to your destination or returning home.

Car Rental Excess Waiver

Protect yourself from extra car rental fees (or the car rental excess) if your rental car is involved in an accident or stolen, regardless of who was at fault.

Cruise Holidays

With insure4less, you are automatically covered at no extra cost whilst on a cruise.

Missed Connections

If you miss a departure or connection, we’ll compensate you for the necessary travel and accommodation expenses to get you to your destination.

Personal Baggage & Money

Protect your baggage and valuables if lost, stolen or damaged. This includes your laptops, cameras and mobile phones. We also provide cover for your passport, visas and travel tickets so you can continue your trip.

Pre-Existing Medical Conditions

Apply online and get cover for your pre-existing medical conditions. The application process is immediate so you can have peace of mind for your upcoming trip.

Sports & Activities

Our policies cover 100's of adventure sports and activities like bungee jumping,  zorbing and even riding motorbikes and scooters (provided you have the appropriate Australian licences).

For full details of terms and conditions, sub limits and exclusions that apply, please read the Product Disclosure Statement before purchasing this insurance product.

  • Comprehensive cover and value for money

    It was very easy to compare quotes and obtain a quote. The cover offered was clearly explained, comprehensive and good value for money when compared to policies form other companies.

  • Safe and easy insurance cover

    Online booking is easy to follow, I especially like the fact you can declare a medical condition and choose not to be covered for it. I\'ve have made two claims which were fairly paid in full. The staff and correspondence were very good.

  • Excellent Company!

    So quick and easy to get a quote and purchase their Insurance! Definitely recommend them after dealing with them for several trips. Never had any dramas with claims, in fact they bend over backwards to help their customers!

  • Great customer service

    We are 'senior' travellers and have been clients of many insurers during the past 30+ years. There was some wording which we didn't understand so I sent an email to the customer service address. There was an almost immediate reply explaining the wording... From my many years of customer relations I commend your staff for their empathy!


  • Quick and easy

    The application process for travel insurance was easy despite my pre existing condition of a knee replacement, the drop down boxes made it simple to navigate through the process, and provide us with a great outcome.

  • Fast and efficient purchase

    I have just purchased our policy. My impression so far is very favourable: the reply to my communication with a few questions was very fast and clear. The process of obtaining a quote online was extremely simple and efficient.


About insure4less

We have more than 40 years of travel insurance experience and expertise. We have arranged travel insurance for over 2 million travellers and have paid out more than $40 million dollars in claims.

No two holidays are the same and every individual has specific needs and expectations for their ideal holiday. We strive to provide policies to suit a wide range of people, holidays and scenarios.

Making A Claim

Any occurrence or loss, which may give rise to a claim, should be advised immediately to our claims team.

Medical Emergencies

Our emergency service hotline is available 24 hours a day, 365 days a year for assistance with medical emergencies.

Great reasons to choose insure4less

  • 10 day claim payment guarantee

    All valid, fully documented claims paid 10 business days. insure4less subscribe to the Australian General Insurance Code of Practice.  

  • 15 day money back guarantee
    If, within 15 days of your purchase you change your mind and you have yet to begin your trip or make a claim, we’ll refund your travel insurance premium in full.
  • 24/7 Emergency Helpline

    Our emergency assistance helpline is available 24 hours a day and can help with paying your medical bills, rescheduling disrupted travel plans, sending messages home to your family, interpreting services and more.

  • Covering students, backpackers & families

    Insure4less offer comprehensive, high quality cover at affordable prices whether you are  backpacking around the world, going on a group tour, a school trip or even a family holiday.

  • Highly trusted insurers

    Our policies are underwritten by Berkshire Hathaway Specialty Insurance Company (BHSI), one of the worlds largest insurance companies providing providing global strength to give you peace of mind.

  • Quality, flexible, cheap cover

    We offer a range of policy options to suit your travel plans and budget. From annual multi-trip travel and one-way travel options, to cover for non-Australian residents living in the Australia and people with pre-existing medical conditions, insure4less can help you great value, affordable travel insurance.

For full details of terms and conditions, sub limits and exclusions that apply, please read the Product Disclosure Statement before purchasing this insurance product.

Frequently Asked Questions

Cover for Australians already overseas?
Group travel insurance?
Cover for overseas medical expenses?
Snow sports and off piste?
Pre-existing medical conditions?
Riding scooters & motorbikes ?

Cover for Australians already overseas?

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. Our policies are appropriate if:

  • You're already overseas and simply forgot to take out travel insurance, or;
  • You're overseas and your existing travel insurance policy has expired or;
  • You are based overseas and returning back home to Australia

Just remember there is no cover in place for the first 48 hours from the policy start date and you must be returning to Australia!

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.

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.

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

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

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.

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