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 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.

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.

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!!!

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.

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....

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 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.

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.

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

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 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!

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 done quickly and with no fuss.

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

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.

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 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!

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.

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 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.

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

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 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...