Insure4less is a high-ranking travel insurance provider for Australians, thanks to its unlimited medical cover that includes Covid-19 and a wide range of automatically included activities. Unfortunately compared to many other providers, its limits for other cover is low, such as only $5,000 for luggage and $500 for emergency dental.
Pros
- Unlimited medical cover including covid
- More than 100 activities included in the policy
Cons
- No credit card fraud coverage
- Assessment required to determine if cover can be provided for all pre-existing medical conditions
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Featured Partners
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Fast Cover Travel Insurance
Medical cover
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Cancellations
Unlimited, (Trip Disruption $50,000)
Key Features
25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating
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Southern Cross Travel Insurance
Medical Cover
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About insure4less Travel Insurance
Insure4less is a travel insurance provider that has more than 40 years of experience in travel insurance. Within that time, insure4less has provided cover for more than two million customers and paid out more than $40 million in claims, according to the company website.
All insure4less travel insurance policies are underwritten by Chase Underwriting Pty Ltd. Its most comprehensive policy is the Excel Plus Policy, which has been reviewed below.
On ProductReview, an independent consumer review site, insure4less has received 2.4 stars from only 36 reviews. The disparity between the amount of customers served (two million) and the mere 36 customer reviews means this ranking should be considered cautiously.
What Is And Isn’t Covered?
Insure4less Excel Plus Policy is its most comprehensive travel insurance policy, available to Australians up to and including 70 years of age at the time of taking out the policy. For those travelling with children, dependent children up to 21 years old will be included on the policy provided the child is not in full time employment and is travelling with you for the entire duration of the trip.
Within the policy, there is personal liability cover up to $7.5 million and a car hire excess cover of up to $3,000. Unfortunately, credit card fraud is not covered.
In terms of cancellations, the insure4less Excel Plus Policy provides up to $7,500 per person to cover cancellation fees. Certain conditions must be met to qualify for this cancellation cover, and unfortunately Covid-19 is not included as a valid qualifier.
Further, missed connecting flights are covered up to the value of $1,000. Other inclusions regarding lost luggage and medical cover are explained in further detail below.
Lost Luggage
Lost luggage is covered up to $5,000 with the insure4less Excel Plus Policy. A $750 sub-limit applies for each valuable, with the sub-limit increased to $2,000 for each camera, video camera, laptop and other valuable electronics.
Medical
The insure4less Excel Plus Policy covers unlimited medical expenses, including emergency repatriation and evacuation.
Most travel insurance providers automatically include cover for pre-existing medical conditions, such as Coeliac disease or asthma. Unfortunately, insure4less does not despite its unlimited medical cover.
Instead, assessment is required for all medical conditions to determine if cover will be provided while you are travelling—usually via on online medical questionnaire.
Is Dental Cover Included in Medical?
No, dental cover is not included in the unlimited medical cover. Instead, for emergency dental treatment, there is only cover up to $500.
Does it Cover Me for Covid?
Yes, insure4less includes medical expenses related to Covid-19 in its unlimited overseas medical expenses cover. Insure4less will also cover additional expenses that occur if you need to return early due to a covid diagnosis.
Unfortunately, cancellations due to covid are not covered.
What about Pregnancy?
Yes, pregnancy is covered with the insure4less Excel Plus Policy’s unlimited medical expenses. This is only up to the 18th week of pregnancy and provided that there are no pre-existing complications. Additionally, the pregnancy cannot have been medically assisted.
As is standard for travel insurance providers, childbirth is not covered.
Sports and Activities
For the adventurous travellers, insure4less’ Excel Plus Policy automatically includes more than 120 activities. These are all listed in the product disclosure statement, so travellers are advised to consider any recreational activities they may be interested in partaking in and review the PDS before purchasing a policy.
The 120 automatically included activities do not include snow sports, but extra cover can be purchased to cover such activities.
Customer Service
Insure4less offers its policyholders 24/7 emergency assistance. While there is a phone number for enquiries regarding claims, all general enquiries are required to contact insure4less via email.
To submit a claim, policyholders can do so online via the insure4less website or via the claims phone line, which is available 9am-5pm, Monday to Friday. Insure4less says claims will be assessed within 10 working days.
Who Should Take Out This Insurance?
The insure4less Excel Plus Policy is best suited to travellers looking to undertake recreational activities while on their trip. This is because there are 120 activities automatically included within the policy, while many other policy providers require a higher premium for so many activities. With the Excel Plus Policy, there is an additional cost to add snow sport cover to the policy.
Featured Partners
1
Fast Cover Travel Insurance
Medical cover
Unlimited, 24/7 Emergency Assistance
Cancellations
Unlimited, (Trip Disruption $50,000)
Key Features
25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating
2
Cover-More Travel Insurance
Medical cover
Unlimited, with a $2000 limit to dental
Cancellations
Yes, amount chosen by customer
3
Southern Cross Travel Insurance
Medical Cover
Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs
Cancellations
$2,500 with option to increase to unlimited
Frequently Asked Questions (FAQs)
Will insure4less cover Covid?
Yes and no. Insure4less does cover policyholders for medical expenses if they contract Covid-19, and for additional expenses if they are required to cut their trip short. However, cancellations due to Covid-19 are not covered by insure4less.
Does insure4less have good reviews?
Insure4less has received 2.4 stars from 36 reviews on the leading customer review site, ProductReview. While some reviews say there is a lengthy wait time for claims, others state the customer service and claims process is “stress free”. Ultimately, insure4less has mixed reviews.
Where can I find the insure4less PDS?
The insure4less product disclosure statement can be found online at the insure4less website, or by clicking this link here. All travellers should carefully read the PDS before purchasing a travel insurance policy to ensure they will be covered in times of need.
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