Frequently Asked Questions

  1. Cover for Australians already overseas?

    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!

  2. Group travel insurance?

    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.

  3. Cover for overseas medical expenses?

    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.

  4. Snow sports and off piste?

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

  5. Pre-existing medical conditions?

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

  6. Riding scooters & motorbikes ?

    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.

  7. Do your policies meet Schengen Visa requirements?

    Do your policies meet Schengen Visa requirements?

    All of our policies exceed the Schengen requirement as the amount of cover under the medical expenses section is unlimited. Medical repatriation back to Australia (if deemed medically necessary) and returning your remains to your home or a funeral in the country where you died is also included. For full details, please refer to section 2 ‘Overseas Medical Expenses’ on page 6 of the product disclosure statement.

  8. Travel Alert: Hong Kong Protests as at 13 August 2019

    Issued: 13 August 2019

    There have been widespread disruptions in Hong Kong due to protests. Australians are advised to avoid all affected areas and minimise movement until the situation stabilises. Hong Kong’s airport authority has advised that a number of flights have been cancelled as a result of the sit-in protest at Hong Kong International Airport. 

    If you purchased your policy prior to 13 August 2019
    If you are in Hong Kong and need medical assistance, please call our 24 hour emergency assistance team immediately on +61 (0) 2 8907 5953 or by email at assist@medicalassistance.com.au 
    There is no cover due to your disinclination to travel, your personal wishes or the disinclination to travel on the part of any other person upon whom your travel depends.

    If you wish to cancel your travel plans or can no longer travel, please contact your service provider. Airlines, accommodation providers and tour companies may provide refunds, credit notes or alter your bookings without additional fees. If the government advice was to change to 'do not travel' from a lesser advice such as the current 'high degree of caution', 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.

    If you purchased your policy on or after 13 August 2019 (9h00 AEST)
    As this situation is not considered to be unexpected from this date and time, cover would need to be assessed on a case by case if you submit a claim as a result of the Hong Kong protests. 

    We further urge you to pay close attention to local media and emergency services, following any instructions provided and visit the DFAT page on Smartraveller:
    https://smartraveller.gov.au/Countries/asia/north/Pages/hong_kong.aspx

    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. 
     
    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 by clicking here 
    To lodge a claim, complete the claim form available from the Insure4less website at https://www.insure4less.com.au/page/claims/

  9. Travel Alert: Sri Lanka Terror Attack as at 21 April 2019

    Important information for policyholders of Insure4Less travel insurance relating to the Sri Lanka Terror attack.

    Issued: 23rd April 2019

    Multiple bomb blasts occurred at different hotels and churches in Sri Lanka on 21 April, including in Colombo, Negombo and Batticaloa. Australians are advised to avoid all affected areas and minimise movement until the situation stabilises. Our thoughts are with everyone who may be affected by this tragic event.

    If you purchased your policy prior to 21st April 2019
    If you are in Sri Lanka and need medical assistance, please call our 24 hour emergency assistance team immediately on +61 (0) 2 8907 5953 or by email at assist@medicalassistance.com.au 

    There is no cover due to your disinclination to travel, your personal wishes or the disinclination to travel on the part of any other person upon whom your travel depends.

    If you wish to cancel your travel plans, please contact your service provider. Airlines, accommodation providers and tour companies may provide refunds, credit notes or alter your bookings without charging additional fees.

    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.

    If you purchased your policy on or after 21st April 2019
    As this situation is not considered to be unexpected from this date and time, there is no cover under your policy for any expenses you may incur as a result of the Sri Lanka terrorist attack.

    We further urge you to pay close attention to local media and emergency services, following any instructions provided and visit the DFAT page on Smartraveller:
    https://smartraveller.gov.au/Countries/asia/south/Pages/sri_lanka.aspx

    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. 
     

    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 by clicking here 

    To lodge a claim, complete the claim form available from the Insure4less website at https://www.insure4less.com.au/page/claims/

  10. Travel Alert: Mount Agung Volcanic activity in Indonesia / Bali

    Issued: 29 June 2018

    A number of flights have recently been cancelled or postponed as a result of the ash cloud caused by the Mount Agung volcano erupting again.

    Please note that in accordance with our original notification dated 18 September 2017 (see below), there is cover available for policies issued prior to 2:00pm on 18 September 2017. For policies issued after this time, there is no cover available as the event is not considered unforeseen, as the threat level has never been downgraded and the tremors have been constantly occurring since this date.

    Issued: 2pm on 18th September Sept 2017, AEST

    The volcanic activity at Mount Agung, Bali, Indonesia has increased significantly and the evacuation zone around the volcano has been extended by Indonesian officials. We recommend you regularly check for updates through news agencies and your travel provider.

    For policies purchased up to 2pm (AEST) on 18th September 2017

    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 Indonesia / 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 home town or city in Australia is affected by the Mt Agung 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 2pm 18th September 2017:

    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 Mt Agung Volcanic activity/ash cloud under policies purchased on or after 2pm 18th September 2017 or trips booked under an Annual Multi Trip policy on or after 2pm 18th September 2017.

    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 Product Disclosure Statement

     

     

  11. Travelling one way or no return ticket?

    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. 

    Already overseas?

    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.

  12. Does travel insurance cover Medical Expenses?

    Unlimited Overseas Medical Expenses

    Yes! At insure4less, all travel insurance policies come with unlimited medical expenses cover. This gives you peace of mind knowing there’s more than enough cover in place if a medical emergency were to occur.

    Read More

  13. Annual multi-trip travel insurance?

    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.

  14. Kids travelling alone?

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

  15. Do you provide cover for cruises?

    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.

  16. Money back guarantee?

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

     

  17. Can I Get Group Travel Insurance?

    Yes, you can get group travel insurance if you’re travelling with your family or a group.

    Read More

  18. Who can buy insure4less travel insurance?

    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 70 or under at the time of taking out the policy.

  19. Non-Australian residents living in Australia?

    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.

  20. What cover is there for terrorism?

    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

     

     

  21. Epidemics and Pandemics?

    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.

  22. Planning a Mountaineering trip?

    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.

     

  23. Do you cover Rock Climbing?

    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.

  24. Do you cover Trekking?

    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.

  25. Do you provide Sailing cover?

    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

  26. Other sports and leisure activities?

    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.

  27. Extend travel insurance from overseas?

    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.

  28. Return to Australia during trip?

    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.

  29. Policies insured by Berkshire Hathaway Specialty Insurance

    Your travel insurance policy is insured by Berkshire Hathaway Specialty Insurance Company which is part of Berkshire Hathaway’s National Indemnity group of insurance companies, providing global strength to give you peace of mind.
  30. 24/7 emergency service?

    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.

  31. Are my credit card details safe?

    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 viewed or used by third parties.

  32. 24/7 online access to my account?

    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.

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

    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.

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