insure4less Single Trip - Essentials
Verified5 reviews
- 1-2 months
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.
- Destination: South America
- Claim Made: Yes
- Insurance Cover For: Adult and Senior
- Type of Claim: Medical
- Claim Approved: No
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.
- Destination: Europe
- Claim Made: Yes
- Type of Claim: Medical
- Claim Date: December 2022
- Claim Approved: No
Appendectomy and Hernia Repair in Spain!!! – I was admitted to a private hospital in Palma, Spain with severe stomach pains 12/07/2022. After tests, it was decided that I undergo an emergency operation as my appendix was swollen and about to rupture. The hospital then needed a ten thousand Euro deposit which I put on the credit card, putting it close to the limit. This was unexpected. The surgeon also found and repaired a small hernia. I was discharged after a two night stay. Final bill: just under 11K Euro. A week later, back in Oz, I submitted my claim with my medical report and invoice (translated from Spanish to English) to Insure4Less loss adjusters. I had to follow up with several email inquiries for updates but always received a polite and adequate response. Nonetheless I was worried the claim may come unstuck! Much to my relief, after roughly 45 days, the claim was paid into my bank account, less the access fee of $200, and in Australian dollars of course. Insure4Less is a legitimate travel insurance company. Many thanks.
- Destination: Europe, North America (inc. Hawaii) and South-East Asia (e.g. Bali, Vietnam, Thailand)
- Claim Made: Yes
- Insurance Cover For: Senior
- Claim Resolution Time: 1-2 months
- Type of Claim: Medical and Travel Delays/Cancellations
- Claim Date: July 2022
- Claim Approved: Yes
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.
- Destination: Europe
- Claim Made: No
- Insurance Cover For: Adult
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.
- Destination: Pacific Islands (e.g. Fiji, Vanuatu)
- Claim Made: Yes
- Claim Resolution Time: 1-2 months
- Type of Claim: Other
- Claim Date: March 2020
- Claim Approved: No
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