Insure 4 less Travel Insurance Review
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 | |
Details
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
Excel Plus
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 |
$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 |
Excel
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 |
$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 |
Essentials
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 |
- |
| 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 |
Insure 4 less Travel Insurance Reviews from Users
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Reviews
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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 insuranc company.
Posted by Sharon, 29/03/2011 1:22pm (10 months ago)
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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
Posted by Glen, 18/02/2011 6:19pm (12 months ago)