Take a look at some of the main advantages

Some of the things we cover...

  • Travellers aged up to 90
  • Non-Australian residents
  • Most pre-existing medical conditions
  • Unlimited overseas medical expenses
  • Cancelled trips / missed connections
  • Epidemics / terrorism
  • Cruises / riding scooters / motorbikes
  • Gadgets / frequent flyer points
  • Heaps of sports & activities covered free

Peace of mind...

  • 24/7 medical emergency service
  • World leading insurers
  • Safe & secure website
  • Policy emailed immediately
  • Pay today for travel today
  • Claims paid in just 10 days
  • 14 day money back guarantee

Still more benefits...

  • Covers one way travel
  • Buy from overseas
  • Extend from overseas
  • Annual multi-trip option
  • Choice of plans to suit budget
  • Kids travelling on their own
  • Covers groups
  • Kids under 21 go free with parents
    (If no existing medical conditions)

FAQ

Over the years we have received thousands of travel insurance related questions.
The following shows responses to the most common queries.

  • Travel Alert: Coronovirus as at 28 January 2020

    Issued: 28/01/2020

    Important information for policyholders relating to Coronavirus

    On the 7th of January 2020, Chinese authorities confirmed that they had identified a new virus originating out of Wuhan in the Hubei Province. The new virus is a coronavirus which is a family of viruses that include the common cold and viruses such as SARS (Severe Acute Respiratory Syndrome) and MERS (Middle East Respiratory Syndrome). The World Health Organization is closely monitoring the situation. As the situation in Wuhan is rapidly evolving and information about the new coronavirus is still limited, the Australian Government recommends that you do not travel to the Hubei Province in China.

    We are aware of concerns around travel to this region and will continue to monitor the situation based on guidance issued by the relevant government travel bodies. We urge you to pay close attention to the local media and emergency services, including the DFAT Smart Traveller website for Australian travellers which you can access by clicking here

    For all policies issued on or before 9.00am AEST Thursday 23 January 2020:

    Section 1 – Pre-trip Cancellation/Postponement:
    For those travellers who have to cancel or change their travel plans to avoid travelling to the Hubei Province in China, cover may be available for cancellation or travel postponement costs. For all other areas, there is no cover due to disinclination to travel, your personal wishes or the disinclination to travel on the part of any other person upon whom your travel depends unless the Australian Government either issues a regulation that stops you from travelling, or a level 4 warning “do not travel” is issued advising against travel to your destination.

    If you wish to cancel your travel plans, please contact your service provider. Airlines, accommodation providers and tour companies may provide refunds, credit notes or alter your bookings without charging additional fees. You must take all reasonable steps to limit or reduce your out of pocket expenses and we encourage you to speak with your travel agent/provider in this regard. To submit a claim, please contact the claims managers, Gallagher Basset per the contact details below. 

    Section 1 - Cancellation during travel:
    For those travellers transiting through or in the Hubei Province in China, cover may be available for pre-paid travel arrangements to avoid travelling to or to curtail your travel in the Hubei Province. If you wish to cancel your travel plans, please contact your service provider. Airlines, accommodation providers and tour companies may provide refunds, credit notes or alter your bookings without charging additional fees. You must take all reasonable steps to limit or reduce your out of pocket expenses and we encourage you to speak with your travel gent/provider in this regard.

    For all other areas, there is no cover due to your disinclination to travel, your personal wishes or the disinclination to travel on the part of any other person upon whom your travel depends unless the Australian Government either issues a regulation that stops you from travelling, or a level 4 warning “do not travel” is issued advising against travel to your destination.

    To submit a claim, please contact the claims managers, Gallagher Basset per the contact details below.

    Section 2 - Overseas Medical Expenses:
    If you are overseas and need medical assistance, please call our 24 hour emergency assistance team immediately on +61 (0) 2 8907 5953 or by email at assist@worldtravelprotection.com.au

    Claims Information
    ​​In the event of a claim covered by your policy, you must do everything you can to minimise and reduce the cost of the claim (including seeking compensation from any travel service providers), and provide all supporting documentation of the event and expenses incurred.

    Policies purchased on or after 9:00am AEST Thursday 23 January 2020
    Travel insurance provides cover for unforeseen events only and therefore, there is no cover for amendment or cancellation costs for policies issued on or after 23 January 2020 as the outbreak of the Coronavirus is no longer deemed an unforeseen event. 

    If you decide to change your travel plans, we suggest you talk with your travel agent or transport provider as soon as possible to minimise your out of pocket expenses. If you travel to a country affected by the Coronavirus and contract the virus, there is no cover for overseas medical expenses.

    General Note
    No two claims are the same and accordingly, claims are assessed on a case-by-case basis. The advice provided herein is of a general nature. Claims are assessed on their individual merits and are subject to the terms and conditions of the policy wording. 

    Any Questions?
    If you have a question regarding your claim or potential claim, please contact the claims managers Gallagher Bassett on +61 7 3005 1613 or brisclaims@gbtpa.com.au

  • Hong Kong protests - 13 August 2019

    Issued: 13 August 2019

    There have been widespread disruptions in Hong Kong due to protests. Australians are advised to avoid all affected areas and minimise movement until the situation stabilises. Hong Kong’s airport authority has advised that a number of flights have been cancelled as a result of the sit-in protest at Hong Kong International Airport. 

    If you purchased your policy prior to 13 August 2019
    If you are in Hong Kong and need medical assistance, please call our 24 hour emergency assistance team immediately on +61 (0) 2 8907 5953 or by email at assist@medicalassistance.com.au 
    There is no cover due to your disinclination to travel, your personal wishes or the disinclination to travel on the part of any other person upon whom your travel depends.

    If you wish to cancel your travel plans or can no longer travel, please contact your service provider. Airlines, accommodation providers and tour companies may provide refunds, credit notes or alter your bookings without additional fees. If the government advice was to change to 'do not travel' from a lesser advice such as the current 'high degree of caution', then subject to the policy terms and conditions, the insure4travel policy would give you the option to cancel before travel if the advice did change.

    If you purchased your policy on or after 13 August 2019 (9h00 AEST)

    As this situation is not considered to be unexpected from this date and time, cover would need to be assessed on a case by case if you submit a claim as a result of the Hong Kong protests. 

    We further urge you to pay close attention to local media and emergency services, following any instructions provided and visit the DFAT page on Smartraveller:
    https://smartraveller.gov.au/Countries/asia/north/Pages/hong_kong.aspx

    Claims Information
    In the event of a claim covered by your policy, you must do everything you can to minimise and reduce the cost of the claim (including seeking compensation from any travel service providers) and provide all supporting documentation of the event and expenses incurred. 
     
    GENERAL NOTE:
    No two claims are the same and accordingly, claims are assessed on a case-by-case basis. The advice provided herein is of a general nature. Claims are assessed on their individual merits and are subject to the terms and conditions of the Product Disclosure Statement (PDS) which was provided to you at the time of policy purchase and / or is available for download by clicking here 
    To lodge a claim, complete the claim form available from the Insure4less website at https://www.insure4travel.com.au/page/contact-us/
     

  • Mount Agung Volcanic activity - Bali

    Issued: 29 June 2018

    A number of flights have recently been cancelled or postponed as a result of the ash cloud caused by the Mount Agung volcano erupting again.

    Please note that in accordance with our original notification dated 18 September 2017 (see below), there is cover available for policies issued prior to 2:00pm on 18 September 2017. For policies issued after this time, there is no cover available as the event is not considered unforeseen, as the threat level has never been downgraded and the tremors have been constantly occurring since this date.

    Issued: 2pm on 18th September Sept 2017, AEST

    The volcanic activity at Mount Agung, Bali, Indonesia has increased significantly and the evacuation zone around the volcano has been extended by Indonesian officials. We recommend you regularly check for updates through news agencies and your travel provider.

    For policies purchased up to 2pm (AEST) on 18th September 2017

    In principle advice regarding policy response to claims for cancellation, disruption and delay of scheduled travel arrangements is provided below.

    1.            Disruption experienced pre-departure

    If you have not yet departed on your trip and your outbound flight arrangements are cancelled due to:

    a)a government regulation relating to the Volcanic Ash events which prevents you from travelling as scheduled; or
     

    b)the Australian government issues a Level 4 Do Not Travel warning advising against travel to Indonesia / affected region and which remains in force 14 days prior to scheduled travel;

    Previously, some airlines offered refund vouchers in the event of cancellation due to the ash cloud and in this case, we would recommend you liaise with the airline/s, travel agent/s and associated travel providers to minimise any loss / claim. 

    2.            Disruption experienced post-departure

    Please contact your service provider in the first instance. Airlines, accommodation providers and tour companies may provide refunds, credit notes or alter your bookings without charging additional fees.

    Claims for disruption to scheduled travel arrangements post-departure are for consideration under Section 4 or 8 of the policy.  Section 4 operates under all cover levels (i.e. Essentials, Excel and Excel Plus).  Section 8 cover is only available under Excel and Excel Plus policies. 

    Subject to relevant terms and conditions, Section 4 will respond to compensate the Insured Person for additional accommodation and travel expenses incurred to reach the destination if, due to the failure of public transport, you arrive at a departure point too late to board the public transport on which you are scheduled to travel. 

    Subject to relevant terms and conditions, Section 8 provides monetary compensation to the Insured Person if the public transport on which they are booked to travel is delayed for at least 12 hours.

    All Insured Persons must act as a “prudent uninsured” and proceed on the most economical basis to minimise their loss.  We therefore suggest in the first instance you liaise with airlines and associated travel providers to reschedule travel arrangements / obtain refunds as appropriate.  Some airlines and similar carriers will provide accommodation to passengers whose travel is disrupted due to natural disasters and you should avail yourself of this facility if possible.

    All claims for additional accommodation and travel expenses must be supported by receipts, evidence of your pre-booked travel schedule and actual travel arrangements.

    If you are overseas and your return to your home town or city in Australia is affected by the Mt Agung volcano, your policy will automatically extend until you are able to return on the next available flight. You do not need to contact us to organise this extension.

    For Single Trip and Multi Trip policies purchased on or after 2pm 18th September 2017:

    Insurance serves to provide cover for sudden and unforeseen risks.  It is not possible to insure against known risks and the policy specifically excludes claims resulting from circumstances known at the time of policy purchase or trip booking and which could reasonably be expected to give rise to a claim.

    Accordingly, no cover will be afforded for any claim which relates to the Mt Agung Volcanic activity/ash cloud under policies purchased on or after 2pm 18th September 2017 or trips booked under an Annual Multi Trip policy on or after 2pm 18th September 2017.

    GENERAL NOTE:

    No two claims are the same and accordingly, claims are assessed on a case-by-case basis.  The advice provided herein is of a general nature.  Claims are assessed on their individual merits and are subject to the terms and conditions of the Product Disclosure Statement (PDS) which was provided to you at the time of policy purchase and / or is available for download from this site. 

    Please ensure that you retain / obtain all documentation which you will need to support your claim for disruption to your scheduled travel arrangements and additional costs you incur. 

    Download Product Disclosure Statement