Cover

Single Trip

Annual Multi Trip

The table below is a summary of cover and shows the maximum amounts payable under each section per person. For the full terms and conditions please read our Product Disclosure Statement.

Excel Plus

Excel

Essentials

Medical Only

Cancellation fees, lost deposits & curtailment
$7,500
$5,000
$2,500
-

Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Overseas medical expenses
Unlimited
Unlimited
Unlimited
Unlimited

Necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip in respect of:-

  • emergency medical, surgical and hospital treatment and transportation.
  • repatriation to your normal country of residence including air ambulance.
  • emergency dental treatment to natural teeth
  • additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
  • additional travel and accommodation expenses for:
    1. a travelling companion to stay with you and accompany you home; or
    2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home
  • returning your remains to your home or a funeral in the country where you died.

Emergency dental: Necessary and reasonable costs incurred following an infection or broken tooth and which the treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal liability
$7,500,000
$5,000,000
$2,500,000
-

We will pay costs incurred if you are held legally liable for causing:

  • accidental bodily injury to someone else, and/or
  • accidental loss or damage to someone elses property, including your temporary holiday accommodation and its contents.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Missed departure / connection
$1,000
$750
$500
-

We will pay for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of:

  • the failure of public transport, or
  • a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Baggage & personal effects
$5,000
$3,500
$2,500
-

Cover for loss, theft or damage to:

  • your personal effects.
  • your valuables.

Valuables includes items such as mp3s, mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out. 

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Legal advice & expenses
$30,000
$20,000
$10,000
-

Cover for legal fees and expenses incurred with your lawyer in pursuit of a claim for compensation or damages from a third party who causes your death or bodily injury or illness during your trip.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal money, travel tickets & passport
$1,000
$750
-
-

Cover for

  • loss or theft of personal money.
  • loss, theft or damage to Passport or Visas in respect of the cost of emergency replacement or temporary passport or visas obtained whilst abroad including reasonable travelling and additional accommodation expenses to obtain same.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel delay
$500
$250
-
-

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Abandonment of trip
$7,500
$5,000
-
-

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Accidental death / disability benefit
$20,000
$10,000
-
-

Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hospital cash allowance
$2,000
$1,000
-
-

You are covered for the amount shown in the Schedule of Cover for each complete 24 hour period spent receiving in-patient hospital treatment in a country outside your normal country of residence. This benefit is only available where your claim has been accepted under section 2 (Medical and other expenses) of this policy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Car rental excess waiver
$3,000
$1,500
-
-

You are covered up to the amount shown in the Schedule of Cover for reimbursement of car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a motor car accident whilst you are the driver or it is stolen during the journey. You must provide a copy of the repair account and/or quotation.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Hijack benefit
$5,000
-
-
-

Cover for each full 24-hour period that the aircraft or sea vessel in which you are travelling is hijacked on the original pre-booked outward or return journey for a period in excess of 24 hours.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Catastrophe cover
$750
-
-
-

Cover in respect of necessary and reasonable additional travel and accommodation expenses incurred in the event that you are forced to move from pre-booked accommodation to continue your trip, or if the trip cannot be continued, to return home as a result of:

  • fire, lightning or explosion rendering your pre-booked accommodation uninhabitable.
  • local medical epidemic or directive from the responsible Government or local authority directly affecting the area where your pre-booked accommodation is located.
  • hurricane, storm or other natural disaster that threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable.
  • Civil unrest, rebellion or war directly affecting the area where you are.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Search & rescue expenses
$5,000
-
-
-

Costs necessarily and reasonably incurred by official local search and rescue organisations in the locality in which you are in as a result of their

  • searching for you;
  • rescuing you;
  • recovering you if you are missing or if you have suffered a serious accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Resumption of trip
$2,000
-
-
-

Cost of flights purchased to resume your trip if during the period of insurance:

  • you are repatriated to your normal country of residence under the provisions of this policy; or
  • you have to curtail your trip due to the death, severe injury or serious illness of your travelling companion insured by Us or a close relative of yours resident in your normal country of residence and for which section 1 of this policy responds.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel carrier insolvency
$5,000
-
-
-

You are covered up to the amount shown in the Schedule of Cover due to the insolvency of a Travel Carrier with which you are booked to travel:
a. The value of the unused arrangements, less any refunds due to you if you have to cancel any prepaid transport or accommodation arrangements with organisations not related to the failed Travel Carrier or at the choice of Underwriters.
b. The reasonable cost of rearranging your Trip prior to and after the commencement of your trip, provided that this cost is not greater than the cancellation fees or lost deposits which would have been incurred had the Trip been cancelled.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Excess
$200
$200
$200
$200

When you submit a claim under certain sections you will have to pay an excess. An excess is the first amount payable in the event of a loss and so is the uninsured portion of your loss. This excess helps to prevent minor claims and it also deters fraudulent claims. It therefore helps to keep our premiums as low as possible.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

The table below is a summary of cover and shows the maximum amounts payable under each section per person. For the full terms and conditions please read our Product Disclosure Statement.

Excel Plus

Excel

Essentials

Medical Only

Cancellation fees, lost deposits & curtailment
$7,500
$5,000
$2,500
-

Costs following the cancellation or curtailment (cutting short) of your trip due to illness, injury, death, jury service, witness call, pregnancy or redundancy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Overseas medical expenses
Unlimited
Unlimited
Unlimited
Unlimited

Necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip in respect of:-

  • emergency medical, surgical and hospital treatment and transportation.
  • repatriation to your normal country of residence including air ambulance.
  • emergency dental treatment to natural teeth
  • additional travel and accommodation expenses to enable you to return home if you are unable to continue your trip as originally planned.
  • additional travel and accommodation expenses for:
    1. a travelling companion to stay with you and accompany you home; or
    2. a relative or friend to travel from your normal country of residence to stay with you and accompany you home
  • returning your remains to your home or a funeral in the country where you died.

Emergency dental: Necessary and reasonable costs incurred following an infection or broken tooth and which the treating dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain to healthy, natural teeth.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal liability
$7,500,000
$5,000,000
$2,500,000
-

We will pay costs incurred if you are held legally liable for causing:

  • accidental bodily injury to someone else, and/or
  • accidental loss or damage to someone elses property, including your temporary holiday accommodation and its contents.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Missed departure / connection
$1,000
$750
$500
-

We will pay for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of:

  • the failure of public transport, or
  • a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Baggage & personal effects
$5,000
$3,500
$2,500
-

Cover for loss, theft or damage to:

  • your personal effects.
  • your valuables.

Valuables includes items such as mp3s, mobile phones, spectacles and sunglasses. The valuables limit per person depends on which level of cover you take out. 

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Legal advice & expenses
$30,000
$20,000
$10,000
-

Cover for legal fees and expenses incurred with your lawyer in pursuit of a claim for compensation or damages from a third party who causes your death or bodily injury or illness during your trip.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Personal money, travel tickets & passport
$1,000
$750
-
-

Cover for

  • loss or theft of personal money.
  • loss, theft or damage to Passport or Visas in respect of the cost of emergency replacement or temporary passport or visas obtained whilst abroad including reasonable travelling and additional accommodation expenses to obtain same.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel delay
$500
$250
-
-

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Abandonment of trip
$7,500
$5,000
-
-

Cover if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

However, if your departure is delayed for more than 36 hours and you choose to abandon your trip in its entirety, you are covered for the irrecoverable cost of the trip, up to the maximum claimable under the cancellation and curtailment section.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Accidental death / disability benefit
$20,000
$10,000
-
-

Cover if you have an Accident whilst you are on your trip and which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb(s) within 12 months of the Accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Hospital cash allowance
$2,000
$1,000
-
-

You are covered for the amount shown in the Schedule of Cover for each complete 24 hour period spent receiving in-patient hospital treatment in a country outside your normal country of residence. This benefit is only available where your claim has been accepted under section 2 (Medical and other expenses) of this policy.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Car rental excess waiver
$3,000
$1,500
-
-

You are covered up to the amount shown in the Schedule of Cover for reimbursement of car rental insurance excess or the cost of repairing the rental car, whichever is the lower amount, if you rent a car from a rental company and it is involved in a motor car accident whilst you are the driver or it is stolen during the journey. You must provide a copy of the repair account and/or quotation.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Hijack benefit
$5,000
-
-
-

Cover for each full 24-hour period that the aircraft or sea vessel in which you are travelling is hijacked on the original pre-booked outward or return journey for a period in excess of 24 hours.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Catastrophe cover
$750
-
-
-

Cover in respect of necessary and reasonable additional travel and accommodation expenses incurred in the event that you are forced to move from pre-booked accommodation to continue your trip, or if the trip cannot be continued, to return home as a result of:

  • fire, lightning or explosion rendering your pre-booked accommodation uninhabitable.
  • local medical epidemic or directive from the responsible Government or local authority directly affecting the area where your pre-booked accommodation is located.
  • hurricane, storm or other natural disaster that threatens your safety such that official evacuation orders are issued or that your pre-booked accommodation is rendered uninhabitable.
  • Civil unrest, rebellion or war directly affecting the area where you are.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Search & rescue expenses
$5,000
-
-
-

Costs necessarily and reasonably incurred by official local search and rescue organisations in the locality in which you are in as a result of their

  • searching for you;
  • rescuing you;
  • recovering you if you are missing or if you have suffered a serious accident.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Resumption of trip
$2,000
-
-
-

Cost of flights purchased to resume your trip if during the period of insurance:

  • you are repatriated to your normal country of residence under the provisions of this policy; or
  • you have to curtail your trip due to the death, severe injury or serious illness of your travelling companion insured by Us or a close relative of yours resident in your normal country of residence and for which section 1 of this policy responds.

This is a summary of cover. For full details of the terms and conditions, please refer to the product disclosure statement.

Travel carrier insolvency
$5,000
-
-
-

You are covered up to the amount shown in the Schedule of Cover due to the insolvency of a Travel Carrier with which you are booked to travel:
a. The value of the unused arrangements, less any refunds due to you if you have to cancel any prepaid transport or accommodation arrangements with organisations not related to the failed Travel Carrier or at the choice of Underwriters.
b. The reasonable cost of rearranging your Trip prior to and after the commencement of your trip, provided that this cost is not greater than the cancellation fees or lost deposits which would have been incurred had the Trip been cancelled.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

Excess
$200
$200
$200
$200

When you submit a claim under certain sections you will have to pay an excess. An excess is the first amount payable in the event of a loss and so is the uninsured portion of your loss. This excess helps to prevent minor claims and it also deters fraudulent claims. It therefore helps to keep our premiums as low as possible.

This is a summary of cover. For full details of the terms & conditions, please refer to the product disclosure statement.

What to look for when you buy travel insurance

No matter how, where, when you're travelling or who you are travelling with, it's vital that you have top quality travel insurance in place to guarantee your safety and financial security. The most important thing is to make sure that you have the right level of cover to protect you, your family and your belongings if something unexpected were to happen.

There are a number of things to take into consideration when choosing travel insurance, and by making sure you have everything covered, you will be able to make the most of your trip without any unnecessary worry.

Here's what you need to keep in mind when choosing your policy and level of cover:

  • Where are you travelling? Make sure every destination you are visiting is covered under your policy, including any stopovers and places that you visit as part of a tour group or cruise.
  • Who are you travelling with? You should ensure every one of your travelling companions is covered, so when you get a quote you need to enter the total number of adults and children who are travelling. We also provide options for your partner and children to travel independently.
  • Do you have enough cover for medical expenses when you're away? Make sure you also think about any pre-existing medical conditions that you need covered under your policy, and if you are visiting any particularly high-risk areas.
  • How much are your valuables and belongings worth? You can choose varying levels of cover according to how many valuables you are taking with you on your trip, so if you are planning to bring expensive gadgets or you have a lot of personal money or important baggage, you need to make sure you choose an appropriate level of cover to protect it all.
  • Will you be doing any sports or recreational activities? We cover a huge range of sports and activities automatically under our travel insurance policies – you can view the full list here. Make sure you check the conditions of how the plan covers certain activities, as some restrictions may apply.
  • What are the limits and exclusions on your policy? Check these carefully in relation to your travel plans. You need to ensure you fully understand what is and isn't covered under your insurance plan, including any medical, activity and general exclusions.

At Insure4Less we are dedicated to providing comprehensive and cheap travel insurance for your next trip. You can get a quote now by simply filling in your information and travel details.

  • 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
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