Will my medical costs be covered if I am diagnosed with Covid-19 during my journey?  Whilst Overseas – Yes, all Insure4Less plans (Medical Only, Essentials, Excel, Excel Plus) under Section 2 (Medical Expenses and Assistance) provide cover for medical expenses resulting from an Epidemic or Pandemic. In the event you are medically diagnosed with Covid-19 whilst on your journey we will pay for the costs associated with emergency medical, surgical and hospital treatment, transportation and if necessary the cost of repatriation. In Australia – No, medical expenses in Australia are covered by Medicare or Private Health Insurance. The Australian Government has legislated that travel insurers are not permitted to provide coverage for medical expenses within Australia. If I am diagnosed with Covid-19 whilst on my journey, can I claim for quarantine or additional travel expenses?  Whilst Overseas – Yes, all Insure4Less plans (Medical Only, Essentials, Excel, Excel Plus) under Section 2 (Medical Expenses and Assistance) extend to cover your additional travel and accommodation expenses (to a level comparable with your pre-booked travel and accommodation) to enable you to return home if you are unable to continue your trip as originally planned. In Australia – Yes, our Essentials, Excel, Excel Plus plans under Section 2 (Medical Expenses and Assistance) extend to cover your additional travel and accommodation expenses (to a level comparable with your pre-booked travel and accommodation) to enable you to return home if you are unable to continue your trip as originally planned. This extension does not apply to our Medical Only plan. What if my travelling companion is diagnosed with Covid-19 whilst on our journey? Will my quarantine and additional travel costs be covered?  Whilst Overseas – No, you would need to be medically diagnosed with Covid-19 in order for you to be eligible to claim for these costs. However, in the event you are travelling with a dependant who is diagnosed with Covid-19, we will pay the additional travel and accommodation costs (to a level comparable with your pre-booked travel and accommodation) for one companion to stay and accompany them home. In Australia – No, you would need to be medically diagnosed with Covid-19 in order for you to be eligible to claim for these costs. However, in the event you are travelling with a dependant who is diagnosed with Covid-19, we will pay the additional travel and accommodation costs (to a level comparable with your pre-booked travel and accommodation) for one companion to stay and accompany them home. This extension does not apply to our Medical Only plan. What if I (or my travelling companion) am diagnosed with Covid-19 before I/we commence our journey?  Our policies do not extend to cover claims arising from pre-trip cancellation in relation to Covid-19. You should contact your airline and/or your accommodation provider (alternatively your travel agent or trip organiser) as you may be eligible for a refund or credit towards future travel. Why does your Product Disclosure Statement not specifically refer to Covid-19?  In March 2020, The World Health Organisation declared the novel coronavirus (Covid-19) outbreak a global Pandemic. As such, Covid-19 falls within the definition of Pandemic in our Product Disclosure Statement. Will insure4less cover me if I am not vaccinated?  Yes, we do not require you to be vaccinated to obtain insurance cover with us. You will however need to check vaccination entry requirements of the countries you are visiting and the airlines you will be travelling with. Our policies will not respond to a claim where you fail to comply with any government regulation or act. I need confirmation that I have Covid-19 medical cover in order to enter a country I am visiting; will this be on my documentation?  Yes, on policy purchase you will receive your Certificate of Insurance. This will clearly state that your policy includes overseas medical expenses cover. You will need to carry this with you on your journey and show the appropriate authorities when requested. Please refer to the Product Disclosure Statement for full terms and conditions  

Over the last few years there have been some serious pandemics affecting travelers. These include Bird Flu, SARS, Ebola and now COVID-19. Insure4Less provides Unlimited Overseas Medical Expenses resulting from an epidemic or pandemic. This extends to include emergency medical, surgical and hospital treatment, transportation and the cost of repatriation. It is important to note the disease must be contracted whilst on your journey and cover does not extend to your normal country of residence or where reciprocal health agreements are accessible. Please refer to the Product Disclosure Statement for full terms and conditions.

What is Multi-Factor Authentication (MFA)? Multi-Factor Authentication (MFA) adds an extra layer of security when accessing your accounts. Instead of only entering a password, MFA requires a second method of verification, such as a code from an app, a text or email message, or a biometric method like a fingerprint.   Why is MFA important? MFA greatly enhances your account's security. Even if someone obtains your password, they won’t be able to access your account without the additional authentication step.   How does MFA work? When logging in, you will first enter your username and password. You’ll then be prompted to verify your identity using a second method, which could be:

• A one-time code sent to your email account

  Is MFA mandatory? Yes, it is mandatory to ensure enhanced security. Passwords alone are no longer sufficient to protect your sensitive information.   Can I disable MFA after setting it up? MFA cannot be disabled. It is an essential security measure and cannot be turned off once it has been enabled.   Does MFA cost anything? No, there are no additional charges associated with using MFA.   What are the benefits of using MFA?

• Enhanced Security: Reduces the risk of unauthorized access to your accounts.
• Peace of Mind: Even if your password is compromised, MFA adds a critical layer of Protection.

  Can I use MFA when traveling abroad? Yes, MFA can be used while traveling nothing changes with the process just need to make sure you can access your email account while abroad.

All insure4less travel insurance policies automatically include cover for Cruises. Travellers on domestic cruises within Australian waters, should select their area of travel as 'Australia - Cruise' to ensure that cover is available for emergency medical assistance and expenses.

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.