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
    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
    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
    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.

    Alisa
  • 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.

    John
  • 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!

    Shirley
  • 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!

     

    Leslie
  • 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.

    Ian
  • 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.

    Judy

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

Travel Alert: Coronavirus update for policies purchased before 07 March 2020
Travel Alert: Coronavirus update for all policies on or after the 7th of March 2020
Travel Alert: Taal Volcano Philippines as at 15 January 2020
Cover for Australians already overseas?
Group travel insurance?
Cover for overseas medical expenses?

For all policy holders who purchased their policies before the 7th of March 2020:

Important information for policyholders relating to Coronavirus as at 18 March 2020

Effective the 18th of March 2020 the Australian Government advised all Australians not to travel overseas until further notice. The Australian Government also recommends that Australians overseas return to Australia as soon as possible by commercial means.

Section 1 – Pre-trip Cancellation/Postponement:

If you purchased your policy prior to the 7th of March 2020, and wish to delay or cancel a trip within 8 weeks of the commencement of the journey, we ask that you take the following steps:

  1. You must take all reasonable steps to limit or reduce your out of pocket expenses and we encourage you to speak with your travel agent/airline, accommodation providers and tour companies to reduce your out of pocket expenses. This includes investigating potential alternative travel arrangements.

  1. After taking these steps we encourage our customers to submit a claim form along with any supporting documentation. Please refer to item 10 below on how to submit a claim.

If you purchased your policy on or after 7 March 2020, there is no cover for cancellation related to the coronavirus.

Section 1 - Curtailment during travel:
If you purchased your policy before the 7th of March 2020, there is cover if you must curtail your trip as a result of a Government regulation preventing your travel and causing you to return to Australia before completion of your trip.

  • Cover is provided for reasonable, additional costs for travel and accommodation to return home, including a proportionate refund of unused and irrecoverable travel bookings and the original value of unused airfares which cannot be used (excluding airfares which you would have paid for to return home).

  • You must take all reasonable steps to limit or reduce your out of pocket expenses and we encourage you to speak with your travel agent/airline, accommodation providers and tour companies to reduce your out of pocket expenses. This includes investigating potential alternative travel arrangements.

  • You can also contact our assistance provider, World Travel Protection who may be able to assist you. World Travel Protection can be contacted on +61 (0) 2 8907 5953.

If you purchased your policy on or after 7 March 2020, there is no cover for curtailment as a result of the coronavirus.

Section 2 - Overseas Medical Expenses:
If you are overseas and need medical assistance, please call World Travel Protection our 24 hour emergency assistance team immediately on +61 (0) 2 8907 5953 or by email at assist@worldtravelprotection.com.au.

 

General Note:

Travel insurance provides cover for unforeseen events only and therefore, there is no cover for amendment or cancellation costs for travel to the following regions and / or countries booked after, or for policies purchased after, the following dates as the outbreak of the Coronavirus in each place is no longer deemed an unforeseen event:

These countries / regions and dates are as follows:

  • before 9.00am (AEST) on 22 January 2020 for travel to/from Hubei province; and
  • before 9.00am (AEST) on 2 February 2020 for travel to/from mainland China.
  • before 9.00am (AEST) on 29 February 2020 for travel to/from mainland Iran
  • before 9.00am (AEST) on 11 March 2020 for travel to/from the region of Lombardy in Italy; and
  • before 9.00am (AEST) on 12 March 2020 for travel to/from the following additional parts of Italy:  the provinces of Modena, Parma, Piacenza, Reggio nell' Emilia, Rimini, Pesaro and Urbino, Alessandria, Asti, Novara, Verbano-Cusio-Ossola, Vercelli, Padova, Treviso, and Venezia
  • before 9.00am (AEST) on 18 March for all international travel following the Australian Government’s advice not to travel

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. 

For more information on how to submit a claim please click here

 

General Note
No two claims are the same and accordingly, claims are assessed on a case-by-case basis. The advice provided herein is of a general nature. Claims are assessed on their individual merits and are subject to the terms and conditions of the policy wording. 

 

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

Published on 18 March 2020 

For all policies issued on or after Saturday 07 March 2020:

On the 7th of January 2020, Chinese authorities confirmed that they had identified a new virus originating out of Wuhan in the Hubei Province. The new virus is a coronavirus which is a family of viruses that include the common cold and viruses such as SARS (Severe Acute Respiratory Syndrome) and MERS (Middle East Respiratory Syndrome).  The World Health Organisation has identified the Caronavirus a public health emergency.  

Effective the 18th of March 2020 the Australian Government advised all Australians not to travel overseas until further notice. The Australian Government also recommends that Australians overseas return to Australia as soon as possible by commercial means.

Overseas Medical Expenses 

If you purchased your policy before the 18th of March 2020 and booked and paid for travel before the 18th of  March 2020:

  • If you incur medical expenses with associated additional expenses as a result of contracting the Coronavirus, there may be cover up to the benefit limit provided.   
  • When assessing cover, our Claims Team will consider DFAT travel advices in place at the time you purchased your policy and where you chose to travel. You can access the DFAT Smart Traveller website for Australian travellers by clicking here 
  • If you are overseas and need medical assistance, please call our 24 hour emergency assistance team immediately on +61 (0) 2 8907 5953 or by email at assist@worldtravelprotection.com.au

Note: There is no cover for Overseas Medical Expenses claims related to the Caronavirus or any derivative or mutation of such viruses if you purchased your policy or travel bookings on or after the 18th of March 2020 as this is the date the Australian Government issued a nationwide advice not to travel. 

For Cancellation and other sections of the policy 

There is no cover for claims related to the Caronavirus or any derivative or mutation of such viruses (or arising directly or indirectly from these) as it relates to Pre-Trip Cancellation or Curtailment, Travel Delay, Hospital Cash and/or to Resume your trip following a medical repatriation.  

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

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. 

No two claims are the same and accordingly, claims are assessed on a case-by-case basis. The advice provided herein is of a general nature. Claims are assessed on their individual merits and are subject to the terms and conditions of the policy wording. 

 

Issued: 15/01/2020


A number of flights have recently been cancelled or postponed as a result of the ash cloud/activity caused by the Taal volcano erupting. 

The Philippines Institute of Volcanology and Seismology has raised its alert level to 4 out of 5 — meaning "hazardous explosive eruption is possible within hours to days".
We urge all travellers to remain up-to-date with the latest advice for the Philippines from Smartraveller which you can access here

For policies purchased before 12th January 2020 (AEST) 
In principle advice regarding policy response to claims for cancellation, disruption and delay of scheduled travel arrangements is provided below.

1.            Disruption experienced pre-departure
If you have not yet departed on your trip and your outbound flight arrangements are cancelled due to:
a) a government regulation relating to the Volcanic Ash events which prevents you from travelling as scheduled; or
 
b) the Australian government issues a Level 4 Do Not Travel warning advising against travel to the Philippines / affected region and which remains in force 14 days prior to scheduled travel;

Previously, some airlines offered refund vouchers in the event of cancellation due to the ash cloud and in this case, we would recommend you liaise with the airline/s, travel agent/s and associated travel providers to minimise any loss / claim. 

2.            Disruption experienced post-departure
Please contact your service provider in the first instance. Airlines, accommodation providers and tour companies may provide refunds, credit notes or alter your bookings without charging additional fees.
Claims for disruption to scheduled travel arrangements post-departure are for consideration under Section 4 or 8 of the policy.  Section 4 operates under all cover levels (i.e. Essentials, Excel and Excel Plus).  Section 8 cover is only available under Excel and Excel Plus policies. 

Subject to relevant terms and conditions, Section 4 will respond to compensate the Insured Person for additional accommodation and travel expenses incurred to reach the destination if, due to the failure of public transport, you arrive at a departure point too late to board the public transport on which you are scheduled to travel. 

Subject to relevant terms and conditions, Section 8 provides monetary compensation to the Insured Person if the public transport on which they are booked to travel is delayed for at least 12 hours.
All Insured Persons must act as a “prudent uninsured” and proceed on the most economical basis to minimise their loss.  We therefore suggest in the first instance you liaise with airlines and associated travel providers to reschedule travel arrangements / obtain refunds as appropriate.  Some airlines and similar carriers will provide accommodation to passengers whose travel is disrupted due to natural disasters and you should avail yourself of this facility if possible.

All claims for additional accommodation and travel expenses must be supported by receipts, evidence of your pre-booked travel schedule and actual travel arrangements.
If you are overseas and your return to your hometown or city in Australia is affected by the Taal volcano, your policy will automatically extend until you are able to return on the next available flight. You do not need to contact us to organise this extension.

For Single Trip and Multi Trip policies purchased on or after 12th January 2020 (AEST).
Insurance serves to provide cover for sudden and unforeseen risks.  It is not possible to insure against known risks and the policy specifically excludes claims resulting from circumstances known at the time of policy purchase or trip booking and which could reasonably be expected to give rise to a claim.

Accordingly, no cover will be afforded for any claim which relates to the Taal Volcanic activity/ash cloud under policies purchased on or after 12 January 2020 or trips booked under an Annual Multi Trip policy on or after 12 January 2020.

GENERAL NOTE:
No two claims are the same and accordingly, claims are assessed on a case-by-case basis.  The advice provided herein is of a general nature.  Claims are assessed on their individual merits and are subject to the terms and conditions of the Product Disclosure Statement (PDS) which was provided to you at the time of policy purchase and / or is available for download from this site. 

Please ensure that you retain / obtain all documentation which you will need to support your claim for disruption to your scheduled travel arrangements and additional costs you incur. 

Download the Product Disclosure Statement

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.

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