Insure4Less Travel Insurance Reviews

Customer ratings for this product 2.5 from 4 ratings

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.

insure4less

Summary of Insure4less Travel Insurance (Excel Plus)

insure4less Travel Insurance website Medical Cover
Medical Travel Insurance $5 Million
Luggage Cover
Luggage Insurance $5000
Laptops, Mobile Phones, iPod, Camera
Item limits $2000 for camera or computer. $750 max for each other valuable.
Sports and Activities Cover
Sports and Activities cover Large Range, optional Snow and Ski cover
Cancellation Cover
Cancellation Limit $7500
Excess
Travel Insurance 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 $5,000
Overseas medical expenses $5,000,000
emergency dental treatment $500
Personal liability $5,000,000
Missed departure / connection $750
Personal baggage $3,500
Personal money $750
Legal advice and expenses $10,000
Travel delay $250
Abandonment of trip $5,000
Accidental death / permanent
disability benefit
$10,000
Out of pocket expenses (per day)* $1,000 ($50)
Hijack benefit (per day) -
Catastrophe cover -
Overseas car rental excess waiver $1,500
Search & rescue expenses -
Resumption of trip -
Mugging benefit -
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
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4 Comments

  1. 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

    Rating: 0.5
  2. 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.

    Rating: 4
  3. 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.

    Rating: 5
  4. 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.

    Rating: 1

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