Our insurance is appropriate if you’re an Australian resident overseas and intending to return to Australia on the date your policy ends. There is however, no cover in place for the first 48 hours from the policy start date.
Cover for your
Cover for your next great experience
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Australians Overseas
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Backpackers
Backpackers
Never mind your age, whether away for a week or a year, we’ve got product options for you. We’ll even provide cover for your non-manual, non-hazardous work and over 130 different sports or activities. So pack your bags and get ready for the trip of a lifetime!
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Frequent Travellers
Frequent Travellers
Regular jet setter? With insure4Less Annual Multi Trip policies you can save money by travelling unlimited times a year on one single policy. What’s more, we even include 23 days of free snow sports cover.
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Cruise Holidays
Cruise Holidays
Going on a cruise? Rest easy knowing your overseas medical costs will be taken care of. We can even cover missed excursions due to illness and our emergency assistance company is on hand to evacuate you to shore in an emergency and if possible.
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Families & Groups
Families & Groups
Time to finally take that long awaited holiday? Whether travelling as a family, a school excursion or simply a group of friends, choose from a range of affordable travel insurance products for you and your travelling companions.
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Snow Sports
Snow Sports
Don't let an injury dampen your trip! Whether you are snowboarding or simply skiing, make sure you hit the slopes with great travel insurance in place. Simply tell us when you plan to ski and get covered straight away.
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Medical Cover
Medical Cover
Got pre-existing medical conditions? Whether it’s diabetes or asthma, our medical screening process is quick and easy. Simply tells us about your health and we’ll tell you straight away if we can provide cover so that you can travel with the peace of mind you deserve.
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Seniors
Seniors
Travelling overseas should be fun! As a senior traveller make sure you have the right insurance for your trip. We can even include cover for many pre-existing medical conditions so that your holiday can be worry free and stress free!
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Students
Students
Whether on an exchange program, volunteering or taking a gap year, insure4less has a range of budget travel insurance options to protect your adventure. We can even cover students under 18 and travelling alone.
For all your travel insurance needs
24/7 Emergency Assistance
Whether you are injured or ill, our helpline is available 24/7 to assist and provide cover for your overseas hospital, surgical, medical and dental costs including emergency evacuations to a medical facility or back to Australia.
Cancellations, Delays & Curtailment
Nothing is more frustrating than cancelled or delayed flights or having to cut your trip short. If this happens, you'll have the peace of mind of knowing that Insure4Less will cover the costs of getting you to your destination or returning home.
Car Rental Excess Waiver
Protect yourself from extra car rental fees (or the car rental excess) if your rental car is involved in an accident or stolen, regardless of who was at fault.
Cruise Holidays
With insure4less, you are automatically covered at no extra cost whilst on a cruise.
Missed Connections
If you miss a departure or connection, we’ll compensate you for the necessary travel and accommodation expenses to get you to your destination.
Personal Baggage & Money
Protect your baggage and valuables if lost, stolen or damaged. This includes your laptops, cameras and mobile phones. We also provide cover for your passport, visas and travel tickets so you can continue your trip.
Pre-Existing Medical Conditions
Apply online and get cover for your pre-existing medical conditions. The application process is immediate so you can have peace of mind for your upcoming trip.
Sports & Activities
Our policies cover 100's of adventure sports and activities like bungee jumping, zorbing and even riding motorbikes and scooters (provided you have the appropriate Australian licences).
For full details of terms and conditions, sub limits and exclusions that apply, please read the Product Disclosure Statement and our Target Market Determination before purchasing this insurance product.
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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
About insure4less
We have more than 40 years of travel insurance experience and expertise. We have arranged travel insurance for over 2 million travellers and have paid out more than $40 million dollars in claims.
No two holidays are the same and every individual has specific needs and expectations for their ideal holiday. We strive to provide policies to suit a wide range of people, holidays and scenarios.
Making A Claim
Any occurrence or loss, which may give rise to a claim, should be advised immediately to our claims team.
Medical Emergencies
Our emergency service hotline is available 24 hours a day, 365 days a year for assistance with medical emergencies.
Great reasons to choose insure4less
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10 day claim payment guarantee
All valid, fully documented claims paid 10 business days. insure4less subscribe to the Australian General Insurance Code of Practice.
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15 day money back guarantee
If, within 15 days of your purchase you change your mind and you have yet to begin your trip or make a claim, we’ll refund your travel insurance premium in full. -
24/7 Emergency Helpline
Our emergency assistance helpline is available 24 hours a day and can help with paying your medical bills, rescheduling disrupted travel plans, sending messages home to your family, interpreting services and more.
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Covering students, backpackers & families
Insure4less offer comprehensive, high quality cover at affordable prices whether you are backpacking around the world, going on a group tour, a school trip or even a family holiday.
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Highly trusted insurers
Our policies are issued by Chase Underwriting Solutions Pty Ltd and Underwritten by certain underwriters at Lloyd’s. Lloyd’s is the world’s leading insurance and reinsurance marketplace. Through the collective intelligence and risk-sharing expertise of the market’s underwriters and brokers, Lloyd’s helps to create a braver world.
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Quality, flexible, cheap cover
We offer a range of policy options to suit your travel plans and budget. From annual multi-trip travel and one-way travel options, to cover for non-Australian residents living in the Australia and people with pre-existing medical conditions, insure4less can help you great value, affordable travel insurance.
For full details of terms and conditions, sub limits and exclusions that apply, please read the Product Disclosure Statement and our Target Market Determination before purchasing this insurance product.
Frequently Asked Questions
Why choose Insure4less?
Covid-19?
Epidemics and Pandemics?
What is Multi-Factor Authentication (MFA)
Do you provide cover for cruises?
Riding scooters & motorbikes ?
Why choose Insure4less?
Insure4less has arranged travel insurance for over 2 million travellers and has paid out more than $40 million dollars in claims. The team at Insure4less believes every adventure our customers take is unique which is why we’ve designed a range of plans to suit every traveller’s budget.
Help When You Need it, Our emergency assistance provider ‘Global 24 Advisory & Assistance’ is part of the largest assistance organisation in the world. When you travel with Insure4less you can do so knowing that if the unfortunate was to occur, we're here to help 24/7 356 days a year, no matter where you are in the world!
Understanding Insurance is not always easy which is why we've compiled some frequently asked questions to help you understand the cover we provide and decide whether the Insure4less policy is right for you.
We love to hear from our customers whether you have a question about our cover, feedback or you just want to get in touch to tell us about your holiday, our team is available 7 days a week.
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
- 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.
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.