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.

  1. Mount Agung Volcanic activity - Bali

    A:

    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

     

     

  2. 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.

  3. 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.

  4. 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.

  5. 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. 

    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.

  6. 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.

  7. 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.

  8. Kids travelling alone?

    A:

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

  9. 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.

  10. 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

     

     

  11. 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.

  12. Cruises?

    A:

    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.

  13. 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.

  14. 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.

  15. Rock Climbing?

    A:

    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.

  16. Mountaineering?

    A:

    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.

     

  17. Trekking?

    A:

    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.

  18. Sailing/Yachting cover?

    A:

    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

  19. Other activities?

    A:

    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.

  20. Pre-existing medical conditions?

    A:

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

  21. 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.

  22. 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.

  23. Policies insured at Lloyds of London

    A:

    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.

  24. 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.

  25. 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.

  26. 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.

  27. 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.

  28. 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.

  29. Can I Get Group Travel Insurance?

    A:

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

    Read More

  30. Does Travel Insurance Cover Medical Expenses?

    A:

    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

Quick Quote

today

23/04/2019

23/01/2018

Destination & Type of Cover Complete!

What type of cover are you looking for?

Single trip: Covers trips of up to a total of 365 days in total inc one way travel. Cover for snow sports activities can be included.

Annual multi trip: Covers you for an unlimited number of trips over a 12 month period up to a maximum duration of 31, 45, 62 or 93 days per trip after which you must return to Australia before commencing a new trip. Trips wholly within Australia are insured if they include at least one overnight stay and a minimum distance of 250kms from your place of residence. Each policy includes up to 23 days snow sports cover (on piste). If you are travelling over 93 days, please select a standard, single trip travel insurance quote.

Policy Type

Where are you travelling to?

Please select the region where you are travelling to: The countries covered under each region will appear when you select the region.

Travelling To

How many people should be covered?

Please select whether you are travelling as an individual, with your partner / friend (couple) ; as a family group where one of the children is under 18 years; as a group.

Travellers

Maximum Trip Length

Travel Dates Complete!

I'd like my cover to start on

Please select the day that you commence your trip. You will be covered for claims that result in you having to cancel your trip before this date and therefore forfeit deposits paid - subject to the policy terms and conditions.

Cover Start Date

Cover Start Date

And it should end on

Please select the date that you plan to return back into Australia or if you are on a one way trip - the date that you will arrive in your final destination.

Cover End Date

Travellers planning to stay in the United States (not Canada) for 365 days or more: Following recent healthcare reforms in the United States we are unable to insure travellers who are planning to be in the United States (not Canada) for 365 days or more.

Cover End Date

 

Will you be travelling to countries outside of the USA & Canada?

If you plan to visit the USA or Canada more than once during your trip, please calculate the total number of days you will be there. Then enter the date leaving USA or Canada as the total number of days from the date arriving.

For example: You will be in the US from 1st March to 31st March (31 days) and 10th October to 26th October (17 days) = 48 days in total. So you would have a start date of 1st March and an end date of 17th April. Ie 48 days. You will receive your certificate in an email, so simply reply to the email advising the correct dates of travel within USA or Canada and we will endorse the policy accordingly.

Date arriving in USA/Canada

Date leaving USA/Canada

Travellers Complete!

In order to obtain the best value, you should include a least one adult in each policy. The maximum number of travellers we can insure under one quote/policy is 50. If you have more than 50 then you should obtain more than one quote but ensuring that there is an adult in each subsequent quote.

Please note that ages are at the date of obtaining the quote, not the date of travel.

Traveller's Age

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Ages

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Traveller's Age

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 18 to 55 years

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 56 to 60 years

How many people should be covered?

We can insure travellers up to and including 65 years at the date of purchase. Please note it is age at date of purchase rather than at date of travel.

Adults 61 to 65 years

Children under 18 in a family

Other children under 18 years

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