Insure4Less Travel Insurance Reviews
Image of Insure4Less website
Insure 4 Less are a relatively new player in the online travel insurance scene. They offer competitive prices and are underwritten by Loyds of London. Review the level of cover below to help make the right decision on travel insurance.
Summary of Insure4less Travel Insurance (Excel Plus)
 | Medical Cover |  | $5 Million |
| Luggage Cover | | $5000 | |
| Laptops, Mobile Phones, iPod, Camera | | $2000 for camera or computer. $750 max for each other valuable. | |
| Sports and Activities Cover | | Large Range, optional Snow and Ski cover | |
| Cancellation Cover |  | $7500 | |
| Excess | | $100 | |
Website: http://www.insure4less.com.au/
Phone Number: 1 300 796 810
Claims: +61 7 3263 9000
Underwriter: Certain Underwriters at Lloyd’s of London
Emergency Service Provider: Cega Assistance
Contact Method: Call to UK phone number
24 hour emergency assistance call
+44 1243 621 077
Maximum Age: 60
Children Covered: Check with insurer
Extension Available: Yes
Additional Length: 12 months
Schedule of benefits
| Benefit Type | Per Person |
|---|---|
| Cancellation & curtailment | $7,500 |
| Overseas medical expenses | $5,000,000 |
| emergency dental treatment | $500 |
| Personal liability | $5,000,000 |
| Missed departure / connection | $1,000 |
| Personal baggage | $5,000 |
| Personal money | $1,000 |
| Legal advice and expenses | $20,000 |
| Travel delay | $500 |
| Abandonment of trip | $7,500 |
| Accidental death / permanent disability benefit | $20,000 |
| Out of pocket expenses (per day)* | $2,000 ($75) |
| Hijack benefit (per day) | $5,000 ($75) |
| Catastrophe cover | $750 |
| Overseas car rental excess waiver | $3,000 |
| Search & rescue expenses | $5,000 |
| Resumption of trip | $2,000 |
| Mugging benefit | $250 |
| Excess | $125 |
Schedule of Benefits
| Benefit Type | Per Person |
|---|---|
| Cancellation & curtailment | $2,500 |
| Overseas medical expenses | $5,000,000 |
| emergency dental treatment | $500 |
| Personal liability | $2,500,000 |
| Missed departure / connection | $500 |
| Personal baggage | $2,500 |
| Personal money | $500 |
| Legal advice and expenses | – |
| Travel delay | – |
| Abandonment of trip | – |
| Accidental death / permanent disability benefit | – |
| Out of pocket expenses (per day)* | – |
| Hijack benefit (per day) | – |
| Catastrophe cover | – |
| Overseas car rental excess waiver | – |
| Search & rescue expenses | – |
| Resumption of trip | – |
| Mugging benefit | – |
| Excess | $125 |
You never meet the criteria under their terms and conditions. Read carefully their terms and conditions before buying the insurance or lodging a claim. So disappointed, lost my sunnies in Europe but didn’t get the cover. Leaving behind is not covered as part of their comprehensive package.
HI
i had taken Insure4less travel insurance and it’s not recommended for any loss or theft, they will not cover it,
As per them Loss is not covered if you missed item while travelling
Very bed Experience, i had lost my 5K in claims,
Keyur
We were in Thailand in 2012 and I became ill. I had 3 days in the Bangkok Phuket Hospital and dealt with Ian from Insure4less in regard to our Travel Insurance Claim. As my friend had also taken out insurance with Insure4less she was provided with a hotel room nearby at the hospital. The company had a representative at the hospital and the liaison was good and very supportive and efficient. Insure4less flew me and my friend home and saved a lot of the worry of expenses that an international traveller might have. There were some incidental expenses we had to claim when we returned however they paid the big hotel bills and flights home etc. The company certainly lived up to their name and we would have no hesitation in recommending them to friends and family.
We were in Bali in early Jan 2011 and my husband became ill. We had to visit the BIMC in Kuta. We had considerable expense due to his illness and also had to book the room for an extra night as he wasn’t able to travel when required. Insure4less were very easy to deal with and our claim settled in a very short time. Would recommend this insurance company.
Don’t use these scumbags,we payed 200 dollars for our insurance,but when our flights got cancelled at christmas they said we didn’t meet there criteria,now were out of pocket 2500 dollars and won’t answer our calls or e mails.