insure4less

insure4less acknowledged that they had sold me an invalid policy. They offered a full refund, then went up in smoke. Now they simply ignore emails. Outright, shameless theft with zero will to communicate once they have your money. Will report to relevant authority. AVOID AT ALL COSTS! Show details

Despite various attempts to get the loss of my wife spectacles sorted through insurance, we did not get anywhere at all and the communication was non existent. Seems a waste of time using this company. Very disappointed. Show details

Terrible Communication, very slow to pay – Terrible communication from this company. My son became ill in Croatia and was hospitalized. This was the first week of a 6 week trip. His medical and hospital expenses were over $9K. We lodged his claim on 9th of July 2024. It took until the 25th of July for the company to request further documentation which was provided within 1 day. … Read more

Continuous calls to the company remained unanswered unless we called from a different phone number and then the call would be answered, which indicated they we screening calls from people they didn't want to communicate with. Once the claim went into the assessment process you could no longer view its status online, it would simply disappear. It wasn't until we escalated the claim to the complaints department that some action was received. We were paid most of the expenses we incurred, but to this day have not received any form of communication from them explaining what was paid and why.

Reading some of these other reviews I think we were very lucky to receive anything from this company, unfortunately it was not in time for my son to continue on his trip and with his funds exhausted after the medical expenses were paid, he headed home.

The policy on the surface seemed good value and claimed to have a fast payout policy, unfortunately I guess its a bit like you get what you pay for. Claims were definitely not paid out within 10 days. It was actually 31 Days.

This is the first time using this company and certainly the last. The whole experience was way to difficult.

You get what you pay for - no more. no less - "Insure for Less" – This was the lowest quote we received for essential travel insurance for my family to Asia on a recent trip. Exactly as stated it is insurance for less cost - it covers the worst case situation and not much else. Unfortunately we had a had mobile phones lost/stolen and a medical claim with our young son on our trip. We had no hesitation in… Read more

bringing our son to the best hospital available for treatment which was quite expensive but totally necessary.

The claim people were efficient and offered good advice about our situation and what we could claim.

Make sure you follow the instructions on the PDS regarding receipts and reports for claims!

Medical expenses are fully covered but mobile phones have a depreciation component - which is normal business practise.

We made a claim for the medical expenses only as the phones were a few years old and after depreciation and excess it was not worth putting in a claim.

It took a little while for the claim to be processed but we were happy with the excess and refund of costs directly to our bank account - no problem.

You get what you pay for and for us we would recommend them as a low cost insurer to cover the major costs but not the minor ones....you will need to pay more for that.

**[UPDATE]** I finally received my reimbursement after, 9 months after filing my claim. It's not a scam insurance like I initially though. I was really concerned, especially because of the lack of communication from the insurance company. I have sent over 100 emails, and received no response from them beside the automatic replied email saying they… Read more

have received my email.

**Original review**

SCAM!! Don't waste your money!! My wife and I went overseas and took a travel insurance with Insure4less. My wife was hospitalised. We made a claim for about $4000 using their website as soon as we got back home. The claim status changed to "Assessment in progress" the next day, and stayed that way ever since (several months ago). We tried to contact them several time. We sent countless emails. We never got a single reply. We got scammed.

Terrible experience – I was hospitalised in South America. I kept all my receipts and proof of payment from my credit card. I lodged the claim three weeks ago and today they emailed to say I didn’t have the diagnosis document! This is a company which seems determined to make claiming as difficult as possible. The website says they have a “10-day claim payment guarantee”. This is quite clearly not the case. Show details

Terrible cover & claims process and read 'unfair' T&Cs carefully – Insure 4 less products may appear cheap or reasonably priced but that is because of the limited claims and cover you will receive under UNFAIR TERMS & CONDITIONS and also unacceptable and POOR CUSTOMER SERVICE and communication. Insure4less outsource their claims processing to a third party service provider which you will need to deal with, not… Read more

insure4less. I would not buy insurance from them in future due to the poor product, difficult claims process (online claim continuously failed and the manual form was confusing), their attempt to charge multiple excess costs ($200 each) to minimise my reimbursement so that it was almost not worth it, and by using a third party for claims processing you are giving more of your personal details to another provider so privacy is a concern. The product and its T&Cs and the claims processing are not value for money.

I would strongly NOT recommend!

Terrible insurance company. They look for any reason to get out of paying a claim – Please read terms and conditions carefully, as they have so many conditions and exclusions in place that they wiggle out of genuine claims. They depreciated go pro camera at a rate of 60%. It is not new for old or even replacement cost so be very careful buying this policy. They also did not pay anything for loss of money when scammed by fake accomodation website. Show details

Terrible – My travel company canceled my flight and gave a refund but replacement flights were 3k more. Didn’t get a cent from insure4less. And it took 2 months for the decline decision! Show details

Terrible!!!! Don’t do it – After 2 months! My claim got declined. My flights were canceled by travel company and replacement flights were an extra 3k. I didn’t get a cent and was excel plus! Show details

No claim cover under $200AUD – I extended my insurance while abroad, this was the easiest option. I needed to see a doctor after being bitten by a tick and get anti-biotics. Grand total was only $80AUD. There is no cover for amounts under $200AUD. Show details

Covid19 No Travel No refund – Paid for policy in September 2019..for travel in May and June 2020. Obviously this trip never happened due to covid 19. Take note WEB BASED COMPANY only except for outsourced claims department. Tried communicating from March since lockdown regarding my policy and they won't issue a refund. Obviously their PDS shows no compassion or flexibility due to the current pandemic. Enjoy my money. Show details

When it came time, they were not there – I paid 140 AUD for a 2 month span in Europe, Medical only. Midway through my trip, I broke my front-right tooth pretty badly and got it sorted immediately. A little while later, got around to making a claim. After A MONTH of waiting for a response, I was told "Sorry, your expenses are too low for us to do anything about." So: read the fine… Read more

print I 'spose, and perhaps try and injure yourself a little harder if you want some money back. Maybe I should have knocked a few more teeth out?

Stay away.

No Refund – I bought health insurance but my travel was cancelled. On the same day, I request the refund and Insure4less denied it. During more than a month, I sent a lot of e-mails, filled several forms and made many calls. They were always horrible. Show details

Read the fine print! – I had an emergency visit to the doctors, which was under $200. I did not know that they don't cover bills under that amount. Read the fine print! Cheap insurance can cost you more!!! Show details

This company is a scam. Don't do it – I filed a claim with this company for $1500 and they wouldn't reimburse me saying that I was considering a 'resident' of the country because I was in the country I was visiting for more than 3 months. I asked them to refund me because that meant I was never covered according to their loop hole, which didn't make any sense. They never returned my emails. Show details

Scam Artists - Happy to take your money and deny claims – Had our car broken into at the beach, smashed window and grabbed bag from vehicle. Every correspondence via email takes 7-10 days to be answered. Only to find out not covered as the goods weren't in our immediate control? Hmmm robbed from a locked car and still not covered. Best book somewhere else.... Show details

Scam artists - Do not use this Travel insurance company disgraceful business ethics – On the way home from a trip to Europe, my flight from Lisbon to London was delayed 1 1/2 hrs. Due to this delay we missed our connecting flight to Australia, Air Portugal who caused the flight delay put there hands in the air & said not their fault as our flight from London to Sydney was not linked to the Air Portugal ticket which is a rort in… Read more

itself. Anyway had to buy 3 one way tickets to Australia costing aprox $2450. Got back to Australia put in a claim & was rejected. They advised that the time in London was not enough time to get a connecting flight & that Etihad want you there 3hrs before their departure time, this is contrary to what the boarding pass says of 90min which would of been enough time.

You need to pay at least $200 to be able to claim it – My medical bill was under $200 overseas and they said they only cover after $200 I spent there. So first $200 is out of your pocket no matter what. I understand it is my fault that I didn't read the very bottom of the page when purchasing this insurance but I really don't see the point of having had the insurance in the end. Good lesson learnt and I will never go with this company again. Show details

This is worst Insurance Company ever – I had taken travel insurance and while traveling i lost my valuables in Taxi, they have rejected claim by saying its not covered They don't cover for loss or theft, they have excuse for rejecting those claims, lost my 5K worth of Valuable and it's rejected because they can not explain the definition of Loss. For them loss happens only because of your negligence and they will reject your claim this is not recomended at all Show details

Very unhappy with the claims process – I was bitten by a dog in Thailand and ended up spending 13 nights in hospital. On being discharged, I was told I needed to get home ASAP and that they would handle the travel arrangements. This is where the problems started. Very annoyingly, they could only liaise with me by phone, but I had deliberately not purchased SIM and could only… Read more

communicate via email. I ended up having to hire a bike and ride to the shop in the humidity with an infected wound to buy a SIM. Their travel agency is Flight Centre, who do not provide any services to get me off the small island I was on. I was expected to depart Bangkok at lunch time the next day - the only way I could have made that flight was teleportation. After much back and forth, 2 days later I was off the island after having made my own arrangements while being dosed up on painkillers. It wasn't until the day of departure from Phuket that I was given my flight details - and then discovered that after cancelling my Qantas flight, they had booked me on a much cheaper flight on Jetstar. To their credit, after my protesting, I was upgraded to Jetstar's version of business. This was essential due to the pain I was in after being in bed for 2 weeks, but it was not without a lot of insisting on my behalf. I was out of pocket for various medical expenses, had to pay for treatment in Phuket out of my own pocket, lost accommodation etc. I submitted my claim when I got home, had to follow up countless times before anything was paid. THEN I discovered that I had been charged the excess 3 times!!!!! I queried this but heard nothing back. Although everyone I spoke to was great, their processes are AWFUL. I am disappointed all round and after being a multi-trip customer for 3 of the past 5 years I have now taken out insurance elsewhere. Just days this incident, I lost all my luggage in a flood but decided to claim this through my home and contents insurance to avoid the drama. The claim was paid out in full within just days, along with a follow up call to make sure I was happy with everything. What a contrast.

Don't insure4less because you are likely to get less from you claim – Tigerair cancelled our flight and offered next flight in 22hrs. We had to buy return tickets from Melbourne to Brisbane. Tigerair refunded flight money but we ended up with $300 out of pocket. Although we discussed the situation with Insure4Less prior to new tickets purchase and were led to believe that we are covered for extra expense… Read more

incurred. However, once we lodged the claim we were told by Gallagher Bassett Services that my policy doesn’t cover this particular scenario. Now, it is important to mention that Gallager Basset claim to have ‘Proven experience reducing the cost of travel claims’, in other words means they reduce the cost to travel insurance company. I guess one way of reducing the cost is to minimise claim payments.

In short, we were unable to talk to anyone from Insure4less and had very disappointing experience, decided to cancel policy and move to different insurance company .

Tiresome, terrible customer service – I have sent 5 emails now to their customer service team asking the same very simple question over and over again, having to rephrase it and provide different examples in a different way in hopes that they now understand. Pretty sure, last I checked my written communication was pretty good. While they do reply within 24 hours, its nothing but… Read more

tiresome and frustrating when a very simple question cannot be answered the first or even second time. God help me, if I have to make a claim!

Amazing customer service – I am so impressed with the customer service. Whenever I have needed to contact them via email they have always responded quickly: I contacted them to change the name on my policy and received updated documents within half an hour! We have also needed to ask for an extension on our annual policy to increase the standard 31 days to 35 and this was… Read more

done quickly and with no fuss.

Thanks so much for the great service, I would definitely recommend taking the annual policy!

Beware of exclusions – So many exclusions and fine print, they will do everything to reject your claim, and take the maximum amount of time to do it. Make sure you read all 10 pages. Entirely useless.  Show details

Quick response when I was in hospital overseas! – This was a couple of years ago now, but I feel that I should give a good review after the great service I received. I got sick overseas, and ended up in hospital for four days. The hospital bill was nearly $5000, but I only had to pay the $100 excess - insure4less covered the rest. Since I was travelling alone, I managed to contact family in… Read more

Australia who then called the company on my behalf - I only spoke to them very briefly (as I was too sick to really concentrate on a conversation) and then they let my mum and the hospital handle it all. On the day of my discharge it only took about 15 minutes before it was all sorted and organised. That was the BEST $60ish I ever spent on travel insurance. I've used them ever since!

Efficient processing, great premiums – My daughter's best friend was violently assaulted and her doctor requested my daughter (who was overseas) end her holiday to come and support her. I was concerned that the fact that the incident had not happened to my daughter that the claim would be refused. Despite the rather clinical process (no warm and fuzzy helpdesk here), the claim was speedily dealt with and approved and I am very grateful for the efficiency.  Show details

Stress Free Claims Service – I would also like to say thanks to insure4less for the prompt and helpful correspondence and communication I received whenever I asked questions or submitted documents. I thought making a claim with an insurance company would be very stressful but insure4less made it very straightforward. I was really unsure if I could continue my trip after the… Read more

cost of returning home for my grandad's funeral. The approval of my claim meant that I could continue my travels so I am very grateful.

Insure4less . Well you get less when you claim! – Due to heavy snowfall at Queenstown Airport New Zealand on 26 May 2014, Jetstar cancelled my flight to Sydney and then due to some major lack of organization on Jetstar's behalf (you have been warned!) I had to buy all new airfares to fly to Auckland with Air New Zealand and then return to Sydney with Jetstar, who easked me to buy a new ticket… Read more

Auckland to Sydney So I lost my existing return flight and had to buy all new tickets. Including accommodation and meals my claim with Insure4less came to over $800.00

Originally I was attracted to their offer to insure me for mountaineering, which most insurers do not do. I thought Insure4less offered me a good value deal. So you can guess my anger and surprise today when I got notice of a payment for $250.00. Yes its something back but realistically, it is just over what I paid for the insurance, and 1/4 of my expenses that I lost.

Lousy. They needed extra documentation form the airline after I lodged my claim, so more work on my part to get something back. To cap it off when I called the brokers while my delays were happening in NZ I got the feeling that I was stranded with no help. They SMS'd me some sort of case number which really want much help at all. And getting through to their Brisbane office wasnt easy as mostly you get a recording and no call back. Its cheap insurance, but in may case, if you need it to actually pay you something back its a complete waste of money.

And a warning to any people looking for mountaineering insurance cover, I would not risk Insure4Less, after this experience I dont have any faith that you would be covered at all. It was cheap and had mountaineering cover They hardly pay anything back even if you have all the documentation. Calling from overseas? Good luck with getting any help!

Insure4less Travel Insurance – I have received my claim and would like to say how grateful and happy I am with the prompt and professional service I received with insure4less travel insurance. I highly recommend it! My dealings with them were easy in what was a stressful time. I will deal with them always now when I travel! Reliable, friendly and prompt with my claim  Show details

Great! unless you actually claim for something – Completely unhappy. it is now the 6th may and i've just received compensation for my baggage lost in early january. rather than receive any help from insure 4 less i was referred to gallagher bassett services, a decidedly unfriendly bunch who argued every single point with me every step of the way. i ended up receiving about 20% of what i claimed… Read more

due to the "depreciation" of my items. 5 months down the road i may as well have received nothing and not had to jump through all of the hoops for all the good 20% will do me. now i have to consider whether i want to put myself through the presumably excruciating appeals process...

Don't go with insure4less – I took out there best insurance for my hike to Everest base camp on the way back, Lukla airport was closed due to bad weather and it was going to be like this for the next week so we all took a private helicopter back to Kathmandu. The insurance company literally found a loophole that i could not find anywhere on there website or small print,… Read more

about allowing them to deny my request for reimbursement for the $500 AUD cost of the helicopter travel.

After 2 formal letters signed by the CEO of the flight company that had to abandon the flight, receipts and everything else they would not refund the cost.

Worst people to deal with very incompetent on making claims if you chose them you won't get your money back.

Incompetent staff and they won't provide your money back

Thank you insure4less! – I just want to put it on record how thrilled our family was to have our precious son brought home after having a terrible accident in America. He was brought home on a stretcher and my husband and I were pleased to be able to meet one of the two nurses who accompanied him. The insure4less medical emergency team was fantastic  giving very personal… Read more

and speedy  service. I appreciated being kept informed all along the way by emails and phone calls and was I very comfortable that the utmost was being done at all times to ensure my son's wellbeing. I would highly recommend insure4less. Fast response, great customer service

Waiting for payment – I put clams in for over 2 months still waiting for payment hope I get my money back Show details