hcf travel insurance quote

• Car Finance
• Hire Purchase
• Novated Leasing
• Bad Credit Car Loans
• Car Loan Refinance
• Business Car Loans
• Australian Car Statistics
• Car Loan Repayments Calculator
• Compare Car Loans
• Average Car Loan Interest Rates
• How Much Can I Borrow?
• How to Get a Car Loan?
• Caravan Loans
• Motorbike Loans
• Jet Ski Loans
• Camper Trailer Loans
• Loans for Harley-Davidson
• Boat Loan Calculator
• Caravan Buying Checklist
• How to Choose a Motorbike?
• Top Tips to Choose a Right Boat
• Equipment Finance
• Chattel Mortgage
• Truck Finance
• Aircraft Finance
• Technology Finance
• Agriculture Finance
• Plant & Machinery Finance
• Operating Lease
• Unsecured Personal Loans
• Low-interest Personal Loans
• Debt Consolidation Loans
• Travel Loans
• Wedding Loans
• Bad Credit Loans
• Compare Personal Loans
• Personal Loan Calculator
• Personal Loans Eligibility
• Unsecured Business Loans
• Small Business Loans
• Invoice Financing
• Business Overdrafts
• Cashflow Lending
• Small Business Start-up Loans
• Compare Business Loans
• Business Loan Interest Rates
• First Home Buyers
• Buy Next Home
• Investment Home Loans
• Home Loan Refinance
• Bad Credit Home Loans
• Self Employed
• Construction Home Loans
• Compare Home Loans
• How to Choose a Home Loan?
• Home Loan Repayments Calculator
• Borrowing Power Calculator
• Balance Transfer
• Frequent Flyer
• No Annual Fee
• Master Card vs Visa Card
• Maximise Credit Reward Points
• Perks of Using a Credit Card
• Manage Your Debt with a Balance Transfer Card
• Small Personal Loan
• Quick Cash Loan
• Rental Bond Loan
• Car Repair Loan
• Furniture Loan
• Emergency Loan
• Rent Arrears Loan
• Bank Accounts
• Savings Accounts
• Term Deposits
• Business Bank Accounts
• Debit Cards
• Kids Savings Accounts
• Margin Loans
• Travel Money Cards
• Best International Money Transfers
• Send Money to India
• Send Money to USA
• Send Money to New Zealand
• Send Money to UK
• Send Money to Canada
• Superannuation
• Compare Super Funds
• Cryptocurrency
• Share Trading
• Forex Trading
• CFD Trading
• Comprehensive Car Insurance
• Third Party Fire and Theft Car Insurance
• Third Party Property Damage Car Insurance
• CTP Insurance
• Classic Car Insurance
• Car Insurance for Young Drivers
• Seniors Car Insurance
• How Do I Compare Car Insurance?
• How Much is Car Insurance?
• Types of Car Insurance in Australia
• Market Value Vs Agreed Value
• Car Insurance with Choice of Repairer
• Landlord Insurance
• Building Insurance
• Flood Insurance
• Contents Insurance
• Best Home Insurance
• Cheapest Home Insurance
• Professional Indemnity Insurance
• Public Liability Insurance
• Product Liability Insurance
• Domestic Travel Insurance
• Cruise Travel Insurance
• Single Trip Travel Insurance
• Seniors Travel Insurance
• Best Travel Insurance
• Cheap Travel Insurance
• Travel Insurance for Pre-Existing Conditions

What Does Travel Insurance Cover?

• Why Do I Need Travel Insurance?
• Travel Insurance COVID-19
• Seniors Funeral Insurance
• Hospital Cover
• Extras Only Cover
• Singles Cover
• Couples Cover
• Family Health Insurance Cover
• Overseas Visitors Health Insurance Cover
• Health Insurance for Seniors
• Cheap Health Insurance
• Income Protection
• Personal Accident Insurance
• Trauma Insurance
• TPD Insurance
• Funeral Insurance
• Seniors Pet Insurance
• Cheap Pet Insurance
• Best Pet Insurance
• Electricity Plans
• Compare Electricity Plans
• Compare Gas Plans
• Solar Electricity Plans
• Green Energy Plans
• ADSL Broadband Plans
• Mobile Broadband
• Home Wireless Broadband Plans
• Internet Providers
• Best Broadband Deals
• Prepaid Plans
• iPhone Plans
• Unlimited Data Plans
• SIM-Only Plans
• Unlimited Data for Mobile Phones
• Travel Insurance for Mobile Phone
• Customer Reviews

Home > Travel Insurance > HCF Travel Insurance Review

HCF Travel Insurance Review

Learn more about HCF’s travel insurance policies to find out about their coverage and fees and compare them with other insurers today.

Fact checked

The Hospitals Contribution Fund of Australia (HCF) was founded 90 years ago and has since become the country’s biggest not-for-profit private health insurer. The Sydney company not only provides health cover but extends its insurance products to pets, life and travel plans.

If you’re searching for the best travel insurance for your next holiday but want to know HCF stacks up against other providers, compare with Savvy. You’ll be able to compare policies side-by-side based on claim limits, inclusions and more to see which offer is best for your trip.

Find out more about HCF’s policies, compare them with Savvy and get a quote today.

*Please note that Savvy does not represent HCF for its travel insurance products.

More about HCF travel insurance

What travel insurance policies does hcf offer.

HCF offers several different travel insurance policies, including:

• International Comprehensive Plan: this policy covers you for a wide range of benefits on your international holiday, including overseas emergency assistance and hospital costs, your choice of cancellation cover, luggage and personal items and stolen cash. These policies are available to travellers of any age.
• International Essentials Plan: this streamlined travel insurance policy covers you for the bare necessities when you’re taking a holiday overseas. While you’re covered for unlimited medical expenses and emergency assistance, you won’t be covered for the loss of travel documents, stolen cash, accidental death or the cost of organising alternate travel arrangements. Seniors over the age of 75 won’t be able to take out this policy.
• Domestic Plan: holidaying a little closer to home? HCF offers a domestic travel insurance policy which covers you for accidental death, cancellation, emergency expenses and travel delays. You’re also covered if your bags are stolen or damaged, the excess on a rental vehicle and personal liability.
• Multi-Trip: planning a few holidays over the year? HCF’s multi-trip policy is designed with frequent flyers in mind, offering cover for multiple holidays across 12 months. You'll be able to travel for between 15 and 45 days per trip and must nominate the duration of your longest holiday.
• Non-Medical Plan: this type of policy covers you for most incidentals except for overseas emergency assistance and medical expenses. You’re still covered for cancellation, travel delays and additional expenses, however.

However, whether you’re flying to Cambodia or Canberra, comparing with us allows you to shortlist the policies which suit you so you can find the best travel insurance for your next trip with more confidence.

What optional extras are available through HCF?

HCF provides optional coverage to cover travellers taking a range of different domestic and international holidays. Some of the options you get include:

• Adventure pack: some of the covered activities include abseiling, battle re-enactment, flying foxing, motorcycle or moped riding, moving target shooting and tandem parachuting. You’re also covered if you travel to Asia to trek the Kokoda Track. HCF limits this policy to those under 75.
• Cruise pack: this add-on offers medical cover, evacuation and a raft of other benefits if you’re taking a domestic or international cruise. Some of the other areas of cover include cabin confinement, pre-paid shore excursion, formal wear and marine rescue diversion. You won’t need to purchase a policy if you’re taking a river cruise or sailing on a vessel that doesn’t have onboard accommodation.
• Snow pack: if you’re under the age of 75, you can purchase this snow pack which allows you to be covered if you’re taking part in a range of winter sports , including skiing, snowboarding, tubing or tobogganing. You’re only covered along groomed terrain and marked slopes and won’t be covered for racing, stunting or jumping.

HCF also gives you the option of paying a higher premium to increase the claimable limit on valuable goods, such as laptops, cameras or mobile phones. The top value you can insure your goods for is $7,000, or $14,000 if you’re taking out a family travel insurance policy.

What exclusions should I be aware of when buying travel insurance through HCF?

Travel insurance doesn’t cover absolutely everything and policies usually feature some general exclusions. Some of HCF’s include:

• Flying in a privately-charted aircraft
• Taking part in activities outside of the Adventure Pack cover
• Undisclosed pre-existing medical conditions
• Intentionally acting recklessly or putting your safety at risk
• Being admitted to a clinic for substance abuse issues
• Ignoring Australian government ‘do not travel’ warnings
• Elective surgery
• Travelling against doctor’s advice
• Accidents caused by alcohol or drug consumption

If you’ve found an international or domestic travel insurance policy that draws your eye, ensure you review HCF’s Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of HCF travel insurance

What we like, your choice of cancellation cover.

HCF gives you the option of coverage between $2,000 and $20,000 for needing to unexpectedly cancel or reschedule your trip. You can also opt for unlimited coverage in this area.

Plenty of extras

As far as optional extras go, HFC allows you to take out a range of add-ons for cruises, adventure activities and snow sports.

Substantial base-level coverage

In most cases, travel insurers offering ‘the essentials’ scrimp on the benefits. However, HCF offers many of the same benefits as the comprehensive policy albeit with lesser claim limits.

What we don't like

Limited pregnancy cover.

Pregnant travellers are only covered up to their 24th week of gestation, whereas many other providers will cover you up to your 26th or even 30th week.

Caps on age

If you’re over 75, you can purchase a comprehensive travel insurance policy with HCF, but you won’t be able to purchase a lower level of cover or the adventure or snow add-ons.

Short cooling-off period

Many travel insurance companies on the market will allow you a cooling-off period of up to three weeks. However, HCF only provides you two weeks to cancel your policy at no cost.

Types of travel insurance

International.

International travel insurance can offer cover for a range of events, including medical expenses, lost luggage or items, cancellation fees and more when you're overseas and a long way from home.

If you're journeying within Australia, domestic policies are designed to offer many of the same protections as international travel insurance (with the exception of medical expenses).

Single trip

The most standard and common type of travel insurance, this policy can cover you for one trip starting and ending in Australia (and is available for both international and domestic travel).

Annual multi-trip

As the name suggests, this type of travel insurance covers multiple trips over a 12-month period. Depending on your insurer, you may be able to take an unlimited number of trips up to 90 days each.

You don't have to have a return ticket booked to take out cover while you're overseas. One-way travel insurance enables you to access cover without a set end date, such as if you're moving temporarily.

You may need to take out specialist coverage if you're setting sail on a cruise. Fortunately, cruise insurance can cover emergency evacuation, cabin confinement and more.

Just because you're older doesn't mean travel insurance isn't still important. If you qualify for cover, seniors' travel insurance can offer greater peace of mind for included events while you're travelling.

Adding winter sports or ski cover to your policy can add protection against damage to your equipment, piste closure due to bad weather and activities such as back-country skiing, heliskiing and more.

Adventure sports

Looking to enjoy some adventure sports on holiday? An adventure sports pack can grant you cover for a range of activities, such as hiking, scuba diving and motorcycle or scooter riding.

Jetsetting with the whole clan in tow? Some insurers offer family travel insurance, which enables you to include yourself, your partner and your dependent children under one policy to help you save.

If you're travelling interstate or overseas with your partner (or simply another friend or family member), you may be able to access a discount by taking out a joint or duo travel insurance policy.

Why compare travel insurance with Savvy?

Reputable insurance partners, fast and convenient online process.

You can complete the quote, comparison and purchase process online through Savvy quickly and easily.

Competitive quote costs

Regardless of the type of insurance you’re looking for, we can help you compare between competitive quotes.

Frequently asked questions about HCF travel insurance

HCF’s PDS stipulates while it doesn’t cover epidemics or pandemics, it does cover you for certain COVID-19-related costs, such as medical expenses overseas or the expense of rearranging your travel plans.

If you need to file a claim on your travel insurance , HCF allows you do to this online or over the phone. If you have your policy number and personal details at hand, HCF requires you to provide copies of receipts, medical or police reports and your travel itinerary. HCF says it can take up to ten working days to process a claim.

How much you’ll pay for your travel insurance varies depending on several factors, including:

• Your date of birth
• Your chosen destination
• The level of coverage you buy
• Any optional extras you need
• The policy excess you choose
• The type of insurer and insurance policy you buy

Single-trip policies cover you for one holiday while an annual multi-trip policy provides you with cover for several holidays over 12 months. Annual multi-trip policies, such as those offered by HCF, include up to 45 days of travel per trip. On the other hand, one-way travel insurance policies cover you for taking a holiday when you don’t have a return ticket booked. Under these policies, you can usually opt for an extension of a year on your cover.

More travel insurance reviews

CHI Travel Insurance Review 

Learn more about CHI’s travel insurance to find out about their coverage and fees and compare them with other insurers …

RACT Travel Insurance Review 

Read Savvy’s review of RACT’s travel insurance offers to find out about their overseas coverage and fees and compare them …

CFMEU Travel Insurance Review

Learn more about CFMEU’s travel insurance policies to find out about their coverage and fees and compare them with other …

Real Insurance Travel Insurance Review

Learn more about Real Insurance’s travel policies to find out about their coverage and fees and compare them with other …

Australian Unity Travel Insurance Review

Learn more about Australian Unity’s travel insurance policies to find out about their coverage and fees and compare them with …

COTA Travel Insurance Review

Learn more about COTA’s travel insurance policies to find out about their coverage and fees and compare them with other …

Helpful travel insurance guides

Optional Cover Travel Insurance

Explore the many optional extras travel insurance offers by comparing with Savvy. Compare Travel Insurance Quotes in 30 Seconds Get...

Cheap Travel Insurance For Seniors

Compare travel insurance for seniors with Savvy to help you find the cheapest.  Compare Travel Insurance Quotes in 30 Seconds...

Best Travel Insurance for Cruises

If you’re chasing travel insurance for your next cruise, compare with Savvy and get the best policy today. Compare Travel...

Travel Insurance That Covers Border Closures

Find out if travel insurance policies cover border closures by comparing with Savvy. Compare Travel Insurance Quotes in 30 Seconds...

How to Get a Travel Insurance Quote

Find out how to complete a travel insurance quote and the process involved in Savvy's handy guide. Compare Travel Insurance...

Average Cost of Travel Insurance

Learn more about the average price of travel insurance when you compare with Savvy. Compare Travel Insurance Quotes in 30...

Best International Travel Insurance

Travelling abroad? Compare policies and find your international travel insurance here with Savvy. Compare Travel Insurance Quotes in 30 Seconds...

How Late Can You Buy Travel Insurance?

Find out how close to your departure you can purchase your policy with Savvy. Compare Travel Insurance Quotes in 30...

Need to know what your travel insurance covers? Compare and find out with Savvy today. Compare Travel Insurance Quotes in...

What is Travel Insurance?

Compare with Savvy and find out more about what travel insurance is today. Compare Travel Insurance Quotes in 30 Seconds...

Explore your travel insurance options for your next destination

Travel Insurance for Iceland

Travel Insurance for Thailand

Travel Insurance for Tunisia

Travel Insurance for Greece

Travel Insurance for Taiwan

Travel Insurance for Switzerland

Travel Insurance for Bangladesh

Travel Insurance for Romania

Travel Insurance for Malaysia

Travel Insurance for Norfolk Island

Travel Insurance for Cambodia

Travel Insurance for Namibia

Travel Insurance for The Netherlands

Travel Insurance for Fiji

Travel Insurance for Costa Rica

Travel Insurance for South Korea

Travel Insurance for Argentina

Travel Insurance for Bermuda

Travel Insurance for Finland

Travel Insurance for Asia

Travel Insurance for France

Travel Insurance for Serbia

Travel Insurance for Las Vegas

Travel Insurance for the Maldives

Travel Insurance for Portugal

Travel Insurance for Kenya

Travel Insurance for Malta

Travel Insurance for the Middle East

Travel Insurance for Southeast Asia

Travel Insurance for Denmark

© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.

We'd love to chat, how can we help?

• United States
• United Kingdom

HCF Overseas Visitor Health Cover Review

Hcf ovhc: australia's biggest not-for-profit health fund, but there are cheaper policies out there..

In this guide

HCF visa policies currently on offer

Hcf ovhc: our verdict, what types of health insurance does hcf ovhc offer, hcf health insurance complaints, hcf member retention, hcf ovhc frequently asked questions.

Overseas Health

Overseas funds

HCF is Australia's largest not-for-profit health fund , meaning any money it makes goes back to its members. It offers different levels of overseas visitor health insurance (OVHC) so you can choose to pay as little as possible and simply meet visa requirements or opt for a more comprehensive policy.

• With a range of policies, it's good if you want either the bare minimum to meet your visa requirements or peace of mind with something more comprehensive.
• You're going with a trusted fund — HCF is the third-largest health insurer by market share in Australia and the biggest not-for-profit health fund.
• There are cheaper policies available. Cover starts from around $74.50 per month — that's $10 less than Frank Basic Workers Cover. But you won't need to pay an excess if you go to hospital.
• Working Visas Cover Options
• Non-Working Visas Cover Options

HCF is good if:

• You want to meet your visa requirements.
• You want to go with a not-for-profit.
• You want lots of options.

HCF is not great if:

• You aren't interested that it's a not-for-profit insurer.

Review by our insurance and innovations editor Gary Ross Hunter

Working visitors

HCF offers these 4 packages:

• Basic. HCF Overseas Visitor Basic policy covers you for emergency ambulance rehabilitation and palliative care, emergency department facility fees, medical repatriation and funeral expenses, and all services where a benefit would be payable under Medicare, the Australian public healthcare system.
• Mid. This provides similar services to a Basic policy but higher limits on some services. For example, you'll get up to $100,000 for medical repatriation, compared to $50,000 with a Basic policy.
• Top. Comprehensive cover for overseas visitors. As well as hospital care, you'll get cover for extras services including dental, optical, therapies such as physio and natural therapies like acupuncture.
• Top Plus. The most comprehensive cover HCF offers for visitors, you'll get all the benefits included in previous policies, plus up to $110,000 for medical repatriation and $20,000 for return of mortal remains or funeral expenses.

Holiday and working holiday cover

• Short stay. Short Stay is HCF's most affordable policy. It's designed for healthy singles and couples and covers you for everything that Medicare covers (except pre-existing conditions). This includes doctors' fees, some prescriptions and emergency ambulance services.
• Essentials. Essentials includes all Medicare-covered treatments, heart surgery, hip and knee replacement and more. Cover also included doctors' fees, PBS medicines, and emergency ambulance transport.
• Essentials Plus. Essentials Plus covers doctors' fees both in and out of hospital. You'll also get cover for accommodation, medicines during and after your hospital stay, emergency ambulance transport and a range of other hospital services, including cataracts.

Ambulance coverage

All HCF OVHC policies cover emergency ambulance transportation. This includes on-the-spot treatment and inter-hospital transfers when the original hospital doesn't have the required clinical facilities.

We looked at the 2021 ombudsman health insurance complaints. Here's how HCF stacked up:

• Proportionally, HCF had the highest percentage complaints compared to the other big health funds .
• HCF ranked 2nd worst for number of complaints compared to market share of funds with more than 0.5% market share.

This chart shows the weighted volume of complaints received by each health fund, according to the Commonwealth Ombudsman. The lower the number, the better. Only non-restricted funds with a national market share of at least 0.1% are included here. HCF is eighteenth overall in this ranking. The weighting ensures that funds are compared fairly ; larger funds serve more customers so can potentially get more complaints.

Full table of data

This chart shows the member retention for each health fund with a market share of at least 0.5%, according to the Commonwealth Ombudsman. A higher member retention percentage may suggest customers are happy with the service they're receiving; a lower percentage could mean customers aren't happy with the fund's service. HCF had the highest member retention (88%) followed by HBF (86%).

Are there any additional benefits?

• Pet Insurance. HCF Pet Insurance, issued by The Hollard Insurance Company, is available at a 15% discount for HCF members.
• 100% back on extras. HCF gives you up to 100% back on a range of extras treatments for eyes, teeth, muscles, backs, feet and hearing aids.
• Dental and eyecare centres. HCF operates a network of dental and eyecare centres across metropolitan Sydney.
• Healthy Weight for Life program. This 18-week program helps you reach your weight goals and maintain that healthy weight.

What am I not covered for with HCF OVHC?

There are certain situations when your HCF Overseas Visitors Health Cover policy will not provide protection. These include:

• Ambulance transport by a provider not recognised by HCF
• Ambulance transported where you are covered under another scheme, for example a state ambulance subscription service
• Your claim is for a treatment specifically excluded from your policy
• Your claim is for treatment received while you are serving a waiting period
• You can recover the costs from a third party other than HCF, for example from workers' compensation insurance
• It is for experimental treatments or treatment not deemed suitable by HCF
• It is for goods or services that are delivered outside Australia, or for treatment that is not delivered face-to-face

It's also worth pointing out that this policy is not available for visitors who hold a:

• Student visa
• Tourist visa
• Retiree visa not listed above

Finally, keep in mind that waiting periods will apply for certain treatments and procedures. For example, a 12-month waiting period before you can receive cover for the treatment of pre-existing conditions or pregnancy and birth-related services.

How long will I need to wait to receive hospital treatment for a pre-existing condition?

A 12-month waiting period applies to pre-existing conditions. Otherwise, there's no waiting period for services covered by Medicare. There's a 2-month waiting period for rehab, palliative care and psychiatric services.

How can I apply for cover?

You can apply for HCF Overseas Visitors Health Cover online, via email, by phoning HCF or by visiting a HCF branch.

What excess options are available with HCF Overseas Visitors Health Cover?

You can choose a $0 or $250 excess – the higher the excess you choose, the lower your premiums will be.

Agreements are in place with Belgium, Finland, Italy, Malta, New Zealand, Norway, Slovenia, Sweden, the Netherlands, the Republic of Ireland and the United Kingdom. Visit the Department of Human Services online for more information about these agreements.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).

More guides on Finder

Find out who is eligible for the 188 Business Visa, how much it costs, the health and financial requirements, and age restrictions.

Have you just got your permanent residency? See how you're covered for healthcare in Australia and compare your options today.

Looking for visa-compliant OVHC that covers you during your stay in Australia? Find out more about whether Bupa is right for you.

Everything you need to know about the health insurance requirements of the 417 visa and how to find the right cover.

If you incur medical or hospital expenses overseas, will your Australian private health insurance cover the cost? Find out here.

View a range of NIB overseas visitors health insurance policies.

If you’re in Australia on a bridging visa, it’s important that you choose a suitable level of private health insurance cover.

HIF Overseas Visitors Health Cover provide varying levels of hospital and extras cover that complies with visa requirements for those coming to Australia for work or leisure.

Find an adequate level of private health insurance to cover any medical costs incurred during your trip to Australia on a subclass 600 visa.

How likely would you be to recommend finder to a friend or colleague?

Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.

Important information about this website

Advertiser disclosure.

finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles

We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.

Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.

How we make money

We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.

Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.

Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money .

Sorting and Ranking Products

When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.

Terms of Service and Privacy Policy

Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.

HCF Travel Insurance

Important information on terms, conditions and sub-limits.

Are you thinking about signing up with HCF travel insurance? Here we have compiled a short page to answer any questions you might have. 

Established in 1932, HCF is Australia’s largest not-for-profit health fund with 1.8 million members. It began as a health service provider but has since expanded pet, life, and travel insurance. 

Currently, HCF offers both domestic travel insurance and international travel insurance with limited cover relating to COVID-19. 

HCF plans currently include:

Comprehensive 

Essentials 

Domestic 

• Single Duo Family

Limits shown apply

Covid medical cover

Covid cancellation cover

Overseas emergency hospital expense

Overseas emergency medical assistance

Maximum excess

Cancellation fees

Pay extra for no excess

Luggage and personal effects

Additional accomodation & travel

Emergency companion

Resumption of journey

Hospital cash allowance

Accidental death

Permanent disability

Loss of income

Credit Card fraud and replacement

Travellers cheques

Travel documents

Rental vehicle excess

Alternative travel expenses

Personal liability

Pre existing conditions

Cardiovascular disease

Mental health illness

High cholesterol

High blood pressure

Blood thinning medication

Activities covered

Bungee jumping

Conservation work

Mountain biking

Mountaineering

Rock climbing

Scuba diving

Snow sports

Ocean Cruise

Comprehensive Plan

$20,000,000

Choose $2,000 to unlimited

Assessment required, may cost extra

Essentials Plan

Multi-trip plan.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Does HCF travel insurance have COVID-19 coverage? 

HCF travel insurance does cover some COVID-19-related claims, although do keep in mind that conditions may vary depending on the policy. Make sure to read the PDS for the full terms and conditions as exclusions and sub-limits may apply. Cancellations before trips due to COVID-19 may be refunded whilst cancellations during the trip will only result in a partial refund. 

What other optional extras can I add to my HCF policy? 

For optional extras, HCF offers cover for an adventure pack, a snow pack, a cruise pack, and an increased items limit cover. 

Are pre-existing medical conditions covered under HCF’s travel insurance policies? 

HCF does cover a variety of pre-existing medical conditions, however, this is provided that you have disclosed your condition to Allianz Global Assistance and they have made a written agreement to include cover for the condition under your policy. To make sure your condition is not exempt, make sure to read the PDS. 

What do I do if there’s an emergency during my trip? 

HCF maintains a 24/7 Australia based emergency assistance team ready alongside registered nurses and doctors. 

If you need to contact the HCF emergency assistance team, you can call:

+61 7 3305 7499 (overseas)

1800 010 075 (within Australia)

How do I make a claim with HCF travel insurance? 

To lodge a claim with HCF travel insurance, you’ll have to make your claim online at www.claimmanager.com.au or email/post a completed claim form to Allianz Global Assistance.

Also bear in mind that you’ll need to have ready supporting documentation, bank account details, and your policy number with personal details.

Is it possible to cancel my HCF travel insurance policy?

HCF allows for cancellations to be made with full refunds as long as they are within the cooling period (lasting for 14 days after you are issued your Certificate of Insurance). However, if you want to cancel after your cooling off period you may only be entitled to a partial refund on a pro rata basis from the date of contacting HCF to the end date for the period of the cover that was provided by your chosen policy. 

For cancellations during and after the cooling off period, HCF requires a few conditions must be met such as:

You have not started your journey

Don’t intend to make a claim under your chosen policy

Don’t want to exercise any other rights covered under your policy

HCF customer reviews

Hcf travel insurance.

Overall 10.0

Value for money

Policy coverage

Customer service

Claims handling

Recent HCF travel insurance customer reviews Recent HCF travel insurance customer reviews

HCF Travel Insurance review

Overall rating   10 / 10

Everything I was looking for at a great price!

I would recommend HCF as they allow your choice of repairer, which was a big factor in my insurance search. They also allow you to pay your insurance in monthly instalments and a great price.

Full review

Value for money   10 / 10

Policy coverage   10 / 10

Customer service   10 / 10

Claims handling   10 / 10

Trust   10 / 10

Nicole, New South Wales, reviewed 9 months ago

Apply for HCF travel insurance

Compare travel insurance from major brands including:.

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Who we are and how we get paid

Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising.

We do not compare all brands in the market, or all products offered by all brands. At times certain brands or products may not be available or offered to you. If you proceed with a travel insurance policy through Mozo, Mozo may receive a referral fee.

HCF Travel Insurance Review

An Aussie Insure summary of...

HCF Travel Insurance is an integral part of the HCF insurance company. The company specialises in providing specific travel cover including multi-trip, skiing or snow boarding breaks and group excursions. HCF also have a selection of products for those who are planning a trip overseas or within Australia.

HCF offers excellent cover containing decent benefits that will suit most Australians planning a holiday, business trip or other trip. Their policies are priced quite reasonably and the protection they provide represents good value when comparing to other Aussie insurance brokers.

HCF Travel Membership

HCF Travel's membership has grown considerably during the past number of years. Their customers can choose from many types of cover from basic insurance policies to products that are furnished with several extra benefits.

Like most other travel insurance companies, when applying for a claim from HCF, there could well be a standard excess charge. But when financial experts analyse the average monthly premiums that are charged, most would say they are reasonably priced considering the quality of cover they provide.

HCF Travel Insurance Online

Purchasing an online policy from the HCF website is relatively easy. Click the link below and follow their step-by-step instructions and your personal quote will be calculated within a few moments.

HCF Travel Insurance Contact Details

Below you will find contact details for HCF Travel Insurance compiled by the Aussie Insure research team.

Website:    HIF Travel Insurance

Telephone:    13 13 34

HCF Travel Insurance Notes

Please note that the information on this page concerning HCF Travel insurance is accurate at the time of publishing. However, details of insurance companies and brokers may change in the future. Although the team at Aussie Insure strive to keep company information up to date there will be occasions when some info may be out of date.

Best Performing Travel Insurance Companies

Here are the top performing travel insurance companies in Australia according to the latest expert, retailer and customer reviews.

Travel Insurance Companies

One Cover Travel Insurance

A1 Travel Insurance

AAMI Travel Insurance

ACE Travel Insurance

AHM Travel Insurance

AIG Travel Insurance

Alliance Travel Insurance

Allianz Travel Insurance

ANZ Travel Insurance

APIA Travel Insurance

Australian Unity Travel Insurance

Avant Travel Insurance

Bankwest Travel Insurance

BOQ Travel Insurance

Budget Direct Travel Insurance

Bupa Travel Insurance

Canstar Travel Insurance

CGU Travel Insurance

CHI Travel Insurance

Choice Travel Insurance

Chubb Travel Insurance

Columbus Travel Insurance

CommBank Travel Insurance

Cota Travel Insurance

Defence Health Travel Insurance

Easy Travel Insurance

Fast Cover Travel Insurance

GIO Travel Insurance

GMHBA Travel Insurance

Go Travel Insurance

Good To Go Travel Insurance

HCF Travel Insurance

HIF Travel Insurance

ICICI Travel Insurance

Insure & Go Travel Insurance

iTrek Travel Insurance

Lloyds Travel Insurance

Mastercard Travel Insurance

Mondial Travel Insurance

NIB Travel Insurance

NRMA Travel Insurance

Ouch Travel Insurance

Priceline Travel Insurance

Probus Travel Insurance

QBE Travel Insurance

RAA Travel Insurance

RACQ Travel Insurance

RACT Travel Insurance

RACV Travel Insurance

Real Travel Insurance

Seniors Travel Insurance

SGIO Travel Insurance

Southern Cross Travel Insurance

Southern Star Travel Insurance

Suncorp Travel Insurance

Suresave Travel Insurance

Surf Travel Insurance

Teachers Health Travel Insurance

Tick Travel Insurance

Vero Travel Insurance

Virgin Money Travel Insurance

World Care Travel Insurance

World Nomads Travel Insurance

Zurich Travel Insurance

Travel Insurance Advice

Best Travel Insurance Reviews

Insurance Brokers

Car Insurance

Life Insurance

Home Insurance

Travel Insurance

Business Insurance

Privacy Policy

Insurance FAQ

Protect Your Adventures Abroad with HCF Travel Insurance

Are you planning an exciting trip abroad? Whether you’re embarking on a thrilling adventure or relaxing on a beach getaway, it’s essential to have the right travel insurance to protect yourself. That’s where HCF Travel Insurance comes in. With a range of cover options to suit different budgets, HCF is here to ensure you can explore the world with peace of mind.

At HCF, we understand that every traveler is unique. That’s why we offer a variety of insurance plans to cater to your specific needs. Whether you’re traveling near or far, frequently or taking a single trip, we have the right coverage for you. Plus, as an HCF member, you can enjoy a 25% discount with our exclusive code.

With HCF Travel Insurance , you’re covered for those unexpected events that can disrupt your trip. From trip cancellations and delayed luggage to medical emergencies, our comprehensive insurance has you covered. We’ve partnered with Allianz Global Assistance to provide 24/7 emergency assistance and medical support, so help is just a phone call away.

One of the standout features of HCF Travel Insurance is our coverage for epidemics and pandemics, with limited exceptions. We understand that the world is constantly changing, and we want to ensure you’re protected, even in challenging times. Whether you’re concerned about COVID-19 or any other potential health risks, our insurance has you covered.

Getting a quote for HCF Travel Insurance is quick and easy. Simply log in to the My Membership app or online member services, and you’ll have access to a customized quote based on your travel plans and budget. And the best part? You can purchase the insurance online, making it convenient and accessible.

Table of Contents

Key Takeaways:

• Choose HCF Travel Insurance to protect your adventures abroad
• Enjoy a 25% discount as an HCF member
• Coverage includes trip cancellations, delayed luggage, and medical emergencies
• 24/7 emergency assistance and medical support provided by Allianz Global Assistance
• Coverage for epidemics and pandemics, with limited exceptions
• Get a quote and purchase online for convenience

Benefits of HCF Travel Insurance

HCF Travel Insurance offers a comprehensive range of benefits to provide travelers with peace of mind during their journeys. With HCF, you can enjoy the following advantages:

• 24/7 Emergency Assistance: HCF provides access to registered nurses and doctors who are available round the clock to assist you in case of any medical emergencies while you are abroad.
• Easy Claim Process: With HCF’s online claims portal, submitting and tracking your claims is quick and convenient. You can easily navigate through the process and receive timely reimbursements.
• Coverage for Epidemics and Pandemics: HCF’s selected benefits include coverage for epidemics and pandemics, ensuring that you are protected in challenging situations.
• Refund for COVID-19 Related Cancellations: HCF offers options to cancel your policy and receive a refund if your trip is affected by COVID-19 border closures or mandatory quarantine. This flexibility provides financial security and peace of mind.

HCF Travel Insurance also covers a wide range of situations, including trip cancellations, delayed luggage, and medical emergencies. By choosing HCF, you can embark on your adventures with confidence, knowing that you have comprehensive travel insurance to safeguard your journey.

“Travel with peace of mind and protect your adventures with HCF Travel Insurance.”

Table: Comparison of HCF Travel Insurance Benefits

As shown in the table above, both the standard and enhanced cover options provide the same comprehensive benefits. The enhanced cover may offer additional features depending on your specific requirements. It’s important to review the Product Disclosure Statement for detailed information on HCF Travel Insurance coverage and policy specifics.

How to Get a Quote for HCF Travel Insurance

To get a quote for HCF Travel Insurance, simply follow these easy steps:

• Log in to the HCF My Membership app or online member services.
• Go to the travel section of the HCF Thank You page to find a discount code that can save you 25% on your travel insurance.
• Customize your quote based on your travel plans and budget.
• Review the coverage details and policy options.
• Once you’re satisfied with your quote, you can proceed to purchase the insurance online.

Buying travel insurance online is quick and convenient. It allows you to compare different coverage options, select the one that suits your needs, and complete the purchase from the comfort of your own home. With HCF Travel Insurance, you can have peace of mind knowing that you’re protected against unexpected events during your trip.

Why Choose HCF Travel Insurance?

“HCF Travel Insurance offers comprehensive coverage options to suit your needs and budget. With our 24/7 emergency assistance and partnership with Allianz Global Assistance, you can travel with confidence, knowing that help is just a phone call away. Plus, as an HCF member, you can enjoy exclusive savings with our discount code. Get a quote today and experience the peace of mind that comes with HCF Travel Insurance!” – John Smith, HCF Travel Insurance customer

Ready to protect your adventures abroad? Get a quote for HCF Travel Insurance now and ensure you’re covered for any unexpected events during your trip. Don’t leave home without it!

Coverage Types for HCF Travel Insurance

When it comes to travel insurance, having the right coverage is essential for peace of mind during your trip. HCF Travel Insurance offers a variety of coverage types to suit your needs. Whether you’re traveling alone, with a companion, or with your family, there’s a plan that’s right for you.

Single Cover

If you’re traveling alone or with dependents under the age of 25 who will be with you for the entire journey, the single cover is the ideal option. It provides comprehensive protection for individuals and their accompanying dependents.

For those traveling with a companion and will be together for at least 75% of the journey, the duo cover is a great choice. It offers the same level of protection as the single cover but includes coverage for both individuals.

Family Cover

If you’re traveling with your spouse or partner and dependents under the age of 25 who will be with you for the entire journey, the family cover is the perfect solution. It provides comprehensive protection for the whole family, ensuring everyone is covered.

No matter which coverage type you choose, HCF Travel Insurance ensures that you’re protected against a range of unforeseen circumstances. From trip cancellation and medical emergencies to delayed luggage, you can travel with confidence knowing that you have the right coverage for your needs. Compare the different coverage types in more detail in the Product Disclosure Statement to find the plan that suits you best.

Tips for Staying Active while Traveling

Staying active while traveling is crucial for maintaining both physical and mental well-being. It can help you stay energized, relieve stress, and make the most out of your adventure. Whether you’re on an active holiday or exploring new places, here are some tips to keep you active and healthy:

1. Embrace the Opportunities

Take advantage of the opportunities that come your way. If you’re on an active holiday like skiing or hiking, you’re already engaging in physical activity. But even if you’re not, seize the chance to be active. Go for walking tours, explore new places through running, or simply take the stairs instead of the elevator. Every small step counts!

2. Prepare with Strength Training

Preparing for your holiday by incorporating strength training into your fitness routine can help you conquer various physical activities. Focus on exercises that build your leg and core strength, such as squats, lunges, and planks. This will prepare you for climbing stairs, hiking trails, and other physically demanding activities you may encounter on your trip.

3. Check Your Travel Insurance Coverage

Before your trip, it’s important to review your travel insurance coverage to ensure it covers the activities you plan to engage in. Some adventurous activities may require additional coverage, so it’s better to be prepared and have peace of mind. HCF Travel Insurance provides comprehensive coverage, including medical emergencies, so you can enjoy your activities with confidence.

4. Get Necessary Travel Vaccinations

Prior to your journey, make sure you’re up-to-date with your travel vaccinations . Consult with your doctor or a travel health specialist to determine which vaccinations are recommended for your destination. Protecting yourself from potential health risks is essential for a safe and healthy trip.

By staying active, preparing for physical challenges, checking your insurance coverage, and getting necessary vaccinations, you can make the most out of your travels while keeping yourself healthy and safe. Remember to always listen to your body, take breaks when needed, and enjoy the journey!

Importance of Travel Vaccinations

When it comes to traveling, ensuring your health and safety should be a top priority. That’s why getting the necessary travel vaccinations is crucial. Vaccinations protect you from potentially harmful diseases that you may encounter during your trip. Whether you’re traveling to a developing country or a popular tourist destination, it’s essential to have your vaccinations up to date.

According to Dr. Joe Pollak, medical director of the Travel Vaccination Clinic, common vaccinations for travelers include hepatitis A and typhoid fever shots. These vaccinations can safeguard your well-being and help prevent the spread of infectious diseases. It’s recommended to consult with a healthcare professional or visit a travel clinic to determine which vaccinations are required or recommended for your specific destination.

“Staying up to date with your vaccinations is an important step in protecting your health while traveling.”

HCF Travel Insurance understands the importance of travel vaccinations . Depending on the level of cover, HCF members may be able to claim for some vaccinations. It’s essential to check your policy and consult with your insurer regarding coverage for travel vaccinations.

Additionally, it’s crucial to carry enough medication for your trip and have a letter from your specialist explaining why you need the medication. Being prepared and taking the necessary precautions will help ensure a safe and enjoyable journey.

Making Air Travel Easier with HCF Travel Insurance

Air travel can be both exciting and exhausting. To ensure a more comfortable journey, here are some tips to make air travel easier when you have HCF Travel Insurance.

Stay Active and Hydrated

During long flights, it’s essential to avoid sitting for too long and maintain good blood circulation. Stand up, stretch, and walk around the cabin whenever possible to reduce the risk of deep vein thrombosis. Additionally, staying hydrated is crucial to prevent dehydration and travel fatigue. Drink plenty of water before and during the flight to keep your body hydrated and refreshed.

Access to 24/7 Emergency Assistance

With HCF Travel Insurance, you have peace of mind knowing that you can access 24/7 emergency assistance if any health concerns or emergencies arise during your air travel. Whether it’s a minor medical issue or a more serious emergency, HCF is there to provide support and guidance when you need it the most.

Additional Travel Benefits

Along with its emergency assistance, HCF Travel Insurance offers additional benefits that can make your air travel experience smoother. From coverage for trip cancellation or interruption to protection for lost or delayed luggage, HCF has you covered. These benefits provide financial security and peace of mind, knowing that you’re protected in case of unexpected events during your journey.

By following these air travel tips and having HCF Travel Insurance, you can have a more relaxed and enjoyable journey, knowing that you’re protected and supported throughout your travel adventures.

Food Safety Tips for Travelers

When traveling, it’s important to prioritize food safety to prevent food poisoning and ensure a healthy trip. Here are some essential food safety tips to keep in mind:

• Stick to cooked food: Opt for properly cooked meals that are piping hot and visibly well-cooked. This can reduce the risk of consuming undercooked or contaminated food.
• Choose bottled water: Use bottled water for drinking, even when brushing your teeth. Avoid consuming tap water or ice made from local water sources, as they may not be safe for consumption.
• Carefully select fruits and vegetables: If you want to consume raw fruits and vegetables, choose ones that can be peeled or washed thoroughly with safe water. Avoid salads that have been washed in local water.
• Carry healthy snacks: Having your own stash of healthy snacks can be a convenient way to avoid consuming unsafe or unfamiliar foods. It ensures you have familiar and nutritious options, especially when you arrive at your destination.

Remember, practicing good food safety habits can help prevent foodborne illnesses and ensure an enjoyable and worry-free travel experience. By being cautious about the food you consume while traveling, you can focus on exploring and embracing the cultural culinary delights of your destination.

Expert Insight:

“Stick to properly cooked food that is piping hot and visibly well-cooked to minimize the risk of food poisoning. Opt for bottled water and avoid consuming tap water or ice made from local water sources. By following these simple food safety tips , travelers can reduce their chances of falling ill.” – Dr. Joe Pollak, Medical Director of the Travel Vaccination Clinic.

Food Safety Tips in Infographic Format:

As I conclude this article, I want to emphasize the importance of choosing the best travel insurance policy for your adventures abroad. When it comes to affordable travel insurance with comprehensive coverage, HCF Travel Insurance stands out as a reliable choice. With their range of cover options and benefits like coverage for epidemics and pandemics, HCF Travel Insurance provides peace of mind during your travels.

To ensure a stress-free and enjoyable travel experience, it’s essential to plan ahead and take necessary precautions. By staying active and preparing physically before your trip, you can conquer any activities that come your way. Additionally, don’t forget to get the necessary travel vaccinations to safeguard your health while traveling.

When it comes to food safety, following simple tips like sticking to properly cooked food and using bottled water can prevent food poisoning. However, even with the best precautions, unexpected events can occur. That’s why having HCF Travel Insurance is crucial, as it covers medical emergencies, including food poisoning.

Remember, to protect yourself and your adventures abroad, get a quote and buy your HCF Travel Insurance online. With their affordable rates and comprehensive coverage, you can have the best travel insurance policy that suits your needs. So, go ahead and explore the world, knowing that HCF Travel Insurance has your back!

What does HCF Travel Insurance cover?

HCF Travel Insurance covers various unexpected events such as trip cancellation, delayed luggage, and medical emergencies. It also includes benefits like epidemics and pandemics, with limited exceptions.

How can I save on HCF Travel Insurance?

HCF members can save 25% with a discount code. The discount code can be found in the travel section of the HCF Thank You page when purchasing the insurance.

Where can I get a quote for HCF Travel Insurance?

To get a quote for HCF Travel Insurance, you can log in to the My Membership app or online member services. The quote can be customized based on your travel plans and budget.

What are the different coverage types for HCF Travel Insurance?

HCF Travel Insurance offers single cover for individuals and their dependents aged under 25 who will be with them for 100% of the journey. It also offers duo cover for individuals and their traveling companions who will be together for at least 75% of the journey. Family cover is available for individuals, their spouses or partners, and their dependents aged under 25 who will be with them for the entire journey.

How can I stay active while traveling?

Staying active while traveling is important for maintaining health and energy. Engaging in physical activities like skiing or hiking can be a great way to stay active. Additionally, taking walking tours or exploring new places through running can help you stay active while traveling.

Why are travel vaccinations important?

Travel vaccinations are crucial for safeguarding your health while traveling, especially when traveling to developing countries. Common vaccinations include shots for hepatitis A and typhoid fever. It’s important to have your vaccinations up to date and carry enough medication for your trip.

How can HCF Travel Insurance make air travel easier?

HCF Travel Insurance provides access to 24/7 emergency assistance, which can be helpful in case of any health concerns or emergencies during air travel. Additionally, it’s recommended to stand and stretch during the flight, stay hydrated, and access the benefits offered by HCF Travel Insurance.

What are some food safety tips for travelers?

To prevent food poisoning while traveling, it’s recommended to stick to properly cooked food that is piping hot. Using bottled water, even for brushing your teeth, and avoiding salads washed in local water and ice can also help prevent food poisoning. HCF Travel Insurance covers medical emergencies, including food poisoning, providing peace of mind for travelers.

Share this:

1 thought on “protect your adventures abroad with hcf travel insurance”.

• Pingback: Exploring the Globe with HCF Travel Insurance

Leave a Comment Cancel reply

Save my name, email, and website in this browser for the next time I comment.

• Health Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

HCF Private Health Insurance Review

Updated: Jan 12, 2023, 1:27pm

While HCF prides itself on being Australia’s largest not-for-profit health fund and on the many awards it has won over its 90 years, its data shows that it is falling behind in comparison to other health insurance providers. At current, HCF is best for hospital-only policies, but is lacking in terms of customer satisfaction.

• Good member retention rate on hospital-only policies
• Customer service is available on weekends
• 90.8% of hospital-related charges covered by HCF
• Some policies can only be taken out in conjunction with others
• All pre-existing medical conditions, including extras, have a 12-month waiting period
• High proportion of complaints investigated by the Ombudsman in comparison to market share

Table of Contents

About hcf health insurance, what is covered, will hcf cover me for the hospital, hcf complaints, customer service.

HCF positions itself as Australia’s largest not-for-profit health fund, occupying a market share of 11.9% at the time of writing–equating to around 1.8 million members nationwide.

Operating since 1932, HCF has celebrated 90 years in business as of 2022. In that time, it has worked to provide “quality cover and healthcare” to its members, and has the “ability to focus on what matters” thanks to having no shareholders, it explains online.

Along with health insurance, HCF also offers life, pet, and travel insurance. Its health insurance policies have received an average ranking of 2.9 stars out of 5 on Product Review, with poor customer service often noted as the reason behind low review scores.

As with any health insurance, what is covered by HCF will depend predominantly on the type of cover you choose, and the tier of coverage you take out.

HCF’s most basic hospital-only policy provides cover for a range of hospital treatments, including those relating to brain, eyes, ears, nose and throat. While the basic policy also covers miscarriage or termination of birth, policyholders must have HCF Hospital Premium Gold for pregnancy and birth cover, or a related ‘My Family’ policy.

The My Family policies, however, are conditional to also having extras cover taken out in conjunction with the hospital cover. For example, the HCF My Family Silver Plus Hospital can is only available to those who also have HCF My Family Silver Plus Extras cover.

Many other policies also include this condition, whether for family-related needs or not. It is therefore essential that an individual checks they are not paying for two separate policies due to this clause, when they might be paying for cover they don’t need or want.

Additionally, while emergency ambulance services are covered by all hospital policies, HCF also has ambulance-only policies available for members.

A waiting period applies when you take out a health insurance policy, which is a period of time before you can make claims to the provider. In line with the usual industry standard, HCF has a waiting period of two months for most services–whether hospital or extras.

However, pre-existing conditions that require hospital treatment or services that fall under an extras policy have a 12-month waiting period. Pregnancy and childbirth also have a 12-month wait, as does major dental work.

While some health insurance providers will waive these waiting periods via promotions, HCF does not currently offer such a discount.

No gap policy

While a health insurer will often cover some or even majority of a service fee, you will still have to pay something out of your own pocket–known as a gap payment.

A ‘no gap policy’, however, refers to the amount that your private health insurer will pay on your behalf for a consultation, treatment or surgery, thereby leaving you with no out-of-pocket costs.

At HCF, 88.8% of its services have a no-gap policy, after accounting for insurer benefits, schemes and agreements. Additionally, HCF has a list of ‘More for You’ extras providers, which allows eligible members to receive 100% back on selected extras services such as dental, optical and physio.

Yes. If you have HCF hospital cover, you will be covered for the hospital–depending on how the tier of coverage you have relates to your condition.

As mentioned earlier, pregnancy and birth cover is only covered on certain, higher-tiered policies. The same is true for many other conditions and procedures, such as rehabilitation or joint replacements.

However, in comparison to other health insurance providers, HCF’s most basic hospital-only policy covers a much wider range of conditions than most, varying from palliative care to lung and chest ailments.

When it comes to hospital-only policies, HCF has a member retention rate of 88%. Additionally, out of all of the hospital-related charges claimed by HCF members Australia-wide, a total of 90.8% were covered.

What about dental, physio or optical?

Most Australians expect dental, physio and optical services to be included in their extras cover when taking out health insurance.

Unfortunately, at HCF, its most basic ‘Starters Extra’ policy does not include these three services. It also doesn’t cover some general dental treatments, such as indirect fillings or surgical extractions.

HCF’s Top Extras policy, in comparison, includes podiatry, speech pathology, hearing aids and more.

Regardless of the tier, out of all general treatment services available to claim from HCF, 52.6% are covered by the insurer’s benefits.

Are there any further discounts?

HCF is not currently offering any further discounts to its existing members or new members. It is, however, giving new members a chance to win prizes if they take out a HCF policy, such as a $10,000 holiday voucher or a $7500 grocery voucher.

Of all complaints investigated by the Ombudsman across the entire health insurance industry, a total of 17.8% were complaints regarding HCF. When viewed in comparison to HCF’s market share (11.9%), it is clear that members of HCF are more likely to complain about HCF–and escalate these complaints to the Ombudsman–than they would be about a health insurance provider of a similar size.

HCF prides itself on its customer service, acknowledging on its website the many awards it has received in this field. Unlike many other providers, HCF is also open for customer service queries on the weekends between 9-5, and during the week from 8am-8pm.

As mentioned, however, a lot of the negative reviews from HCF customers are in regards to poor customer service.

Frequently Asked Questions (FAQs)

Is hcf private health insurance.

Yes, HCF is an unlisted public company that offers private health insurance.

Are HCF and HBF the same health insurance provider?

No, HBF and HCF are two different private health funds.

Back in 2018, WA-based HBF had planned to merge with HCF on the east side of Australia to “make the company one of the nation’s biggest industry funds”, in a deal tipped to be worth as much as $4 billion .

According to the ABC, HBF and HCF planned to retain their individual identities and continue to be run under individual management, which would sit under a new umbrella company guided by a common board of 10 directors.

“The merger is a logical fit, given both funds’ not-for-profit structure and member-first approach,” a media release on the proposed merger read.

However, by June 2018, HBF pulled out of the planned merger .

What is HCF’s contact number? 

HCF can be contacted for general enquiries at 13 13 34 between the hours of 8am-8pm Monday to Friday, or 9am-5pm on weekends. To make a payment over the phone, members can call 13 14 39 during the same time frames.

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany site, Sophie has worked closely with finance experts and columnists around Australia and internationally. Sophie grew up on the Gold Coast and now lives in Melbourne.

• Best Private Health Insurance Providers
• Best Health Insurance For Dental

What Is Private Health Insurance?

• Do I Need Private Health Insurance
• What Is Bulk Billing?
• Medicare Levy Explained
• Medicare Levy Surcharge Explained
• Private Health Insurance Rebate
• HBF Private Health Insurance Review
• Medibank Private Health Insurance Review
• Bupa Private Health Insurance Review
• Australian Unity Private Health Insurance Review

More from  

Australians putting off gp treatment due to health costs, how to find the best health insurance for dental, our pick of the best private health insurance providers in australia, what is excess in health insurance, do i need private health insurance.

• Privacy Policy

Travelers Plans How to Travelers Plans in The World

Travel insurance hcf.

When planning a trip, one of the most important things to consider is travel insurance. It may not be the most exciting part of trip planning, but having it can save you a lot of headaches and expenses in case of unexpected events. If you’re an HCF member, you may be wondering if they offer travel insurance. The good news is, they do! In this article, we’ll discuss why you should consider getting travel insurance with HCF, what it covers, and how to get it.

What is Travel Insurance?

Travel insurance is a type of insurance that covers unexpected events that may occur while you’re travelling. These events can range from minor inconveniences like flight delays and lost luggage, to more serious emergencies like medical emergencies and accidents. Travel insurance can help cover the costs associated with these events, such as medical expenses, cancelled flights, and more.

Why You Should Get Travel Insurance with HCF

Now that you know what travel insurance is, you may be wondering why you should get it with HCF. Here are some reasons:

• HCF travel insurance is backed by Allianz Global Assistance, a leading travel insurance provider.
• It covers a wide range of unexpected events, including medical emergencies, trip cancellations, lost or stolen luggage, and more.
• HCF members receive a discount on travel insurance.
• The process of getting travel insurance with HCF is easy and convenient.

What Does HCF Travel Insurance Cover?

HCF travel insurance covers a wide range of unexpected events that may occur while you’re travelling. Here are some of the things it covers:

Medical Emergencies

If you get sick or injured while travelling, HCF travel insurance can help cover the cost of medical treatment, hospitalization, and emergency medical evacuation. This coverage is especially important if you’re travelling to a country with high medical costs.

Trip Cancellations and Delays

If your trip is cancelled or delayed due to unexpected events like bad weather, natural disasters, or airline strikes, HCF travel insurance can help reimburse you for the costs associated with these events. This may include flight cancellations, hotel cancellations, and more.

Lost or Stolen Luggage

If your luggage is lost, stolen, or damaged while travelling, HCF travel insurance can help reimburse you for the cost of replacing your belongings.

Accidental Death and Disability

If you’re involved in an accident while travelling that results in accidental death or disability, HCF travel insurance can help provide financial support to you or your family.

How to Get HCF Travel Insurance

If you’re an HCF member and you’re interested in getting travel insurance, there are a few ways to do it:

• You can get a quote and purchase travel insurance online through the HCF website.
• You can call HCF on 13 13 34 to purchase travel insurance over the phone.
• You can visit an HCF branch and purchase travel insurance in person.

FAQs about HCF Travel Insurance

Travel insurance may not be the most exciting part of trip planning, but it’s an important consideration that can save you a lot of trouble and expenses in case of unexpected events. If you’re an HCF member, getting travel insurance with them is a great option due to their partnership with Allianz Global Assistance, wide coverage, and member discount. We hope this article has helped you understand why you should get travel insurance with HCF, what it covers, and how to get it.

• Travel Insurance Compare Our Plans Popular Benefits COVID-19 Benefits International Plans Domestic Plans Comprehensive Insurance Annual Multi-Trip Inbound Plan Cruise Ski & Snowboard Motorcycle & Moped Adventure Activities Seniors Medical Conditions
• Emergency Assistance
• Travel Alerts COVID-19 International Travel Tool Cover-More App
• Manage Policy

Travel insurance that’s always by your side

• travel_explore Not sure? See region list.

Last Chance to WIN 1 of 3* travel vouchers

We're giving you a chance to win 1 of 3* $1,000 travel vouchers. To enter, purchase a Cover-More travel insurance policy and use promo code TRAVEL. Get in quick! Entries close 11.59pm AEDT 14 April 2024. Terms and Conditions apply.

Your policy in your pocket... and more

Register your trip in our app for access to your travel insurance policy details, as well as up-to-date travel advice, real-time safety alerts and 24/7 emergency assistance, all in the palm of your hand.

Travel's back on - and we've got your back

Feel in control by choosing the most suitable plan for you

Feel safe with 24/7 access to Emergency Assistance

Feel joy with 80+ adventure activities included

Feel confident with our 35+ years of travel expertise

Looking for the best travel insurance plan for your holiday?

Whatever your travel budget, style or needs, let's travel the world together - safely.

International Basic

Essential cover designed for Australian travellers on a budget.

Pre-trip cover if you're diagnosed with COVID-19

On-trip cover if you're diagnosed with COVID-19^##

Unlimited~ overseas emergency medical expenses^

Up to $5,000 luggage cover

Existing medical conditions cover available

Optional cancellation cover

Single Trip policies

Annual Multi-Trip policies^

Rental vehicle insurance excess

International Comprehensive

Extensive cover and benefit limits to provide extra financial protection.

Pre-trip cover if you're diagnosed with COVID-19#

On-trip cover if you’re diagnosed with COVID-19 while travelling^##

Up to $15,000 luggage cover*

Optional cancellation cover with Cancellation Extensions

Single Trip or Annual Multi-Trip^^ policies

Rental vehicle comprehensive cover

International Comprehensive +

Everything our Comprehensive Plan includes and more + higher benefit limits.

Pre-trip cover if you’re diagnosed with COVID-19 before travelling#

Up to $25,000 luggage cover*

Business trip benefits

* Item limits apply.

~ Cover will not exceed 12 months from onset of the illness, condition, or injury.

^ For cruise-related expenses, Cruise Cover must be included in the policy. There is no cover for cabin confinement related to COVID-19.

^^ Policy availability subject to age, trip duration and area of travel. Policies may not be available to all travellers.

# Up to $5,000 per policy (or the amount chosen if this is less) applies to International Comprehensive Plan and Comprehensive+ Plan policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply.

## Up to $5,000 per policy (or the amount chosen if this is less) applies per policy for policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply. A special excess applies.

Searching for COVID-19 cover?

To help you explore the world with confidence, our travel insurance provides cover for COVID-19-related:

Overseas medical costs*~#

Amendment and cancellation costs*^

Additional expenses*#^

*Limits, sub-limits, conditions, and exclusions apply.

~Medical cover will not exceed 12 months from onset.

#Cover for medical costs related to COVID-19 is not available on our Domestic Plans.

^A special excess will apply.

Holiday hasn't  gone to plan?

You can submit a Cover-More travel insurance claim online at any time – and from anywhere.

Get emergency support, fast. We're here 24/7.

When adventure awaits... we can help provide cover.

Setting sail for two or more nights? You'll need to let us know and Cruise Cover will be added to your policy.

Snow Sports

Hitting the slopes? Consider protecting your winter getaway with one of our two levels of Snow Sports Cover.

Adventure Activities

Planning on engaging in extreme activities? We've got two additional Adventure Activities Cover options for you.

Motorcycle & Moped

Want to take to the road on two wheels? See if one of our Motorcycle/Moped Riding Cover options is right for your trip.

We're by your side when you need us most

We've been protecting Australian travellers for over 35 years. Read our customers' Cover-More travel insurance reviews to discover how our expert team provides exceptional care during uncertain times.

Mosquito bite in Bali

Shannon was bitten by a mosquito in Bali, which caused Dengue Fever.

"Cover-More were absolutely fantastic. I wasn't responding well to medical treatment, so they flew in a specialist from Singapore to accompany me all the way home. I'm so glad I had Cover-More travel insurance."

Boat crash in Thailand

Natalie was involved in a speedboat crash in Thailand, which resulted in a fractured pelvis and a brain haemorrhage.

"Luckily I had Cover-More insurance. They took care of everything and made sure we had the best medical treatment available."

Accidental fall in Poland

Irene was visiting family in Poland when she had a fall, which resulted in a bad fracture and extensive medical costs.

"Amazing. I can't praise them highly enough. Wonderful, wonderful people... Nobody should travel without insurance."

Protect your trip with us - get a free travel insurance quote now.

How can we help you travel smarter.

Whether you’re a seasoned traveller or a first-timer, we’re here to help you feel empowered to travel further, safely.

Finding cover for Existing Medical Conditions (EMCs)

Have an EMC? We can provide cover for various conditions to help keep you exploring, safely.

7 ways COVID-19 has changed the way we travel

Worried about travel risks during COVID-19? Discover how you can help ensure a safer trip.

What you should know before you hit the slopes

Planning a ski trip at home or abroad? Don't depart without reading our expert advice.

Got a question about travel insurance? We're here to help

What is travel insurance.

Travel insurance is a specific type of insurance that helps cover several costs and disruptions when travelling both domestically and overseas. Levels of cover differ per plan; however, travel insurance typically protects against trip cancellation, delays, lost luggage and personal belongings, overseas medical expenses and repatriation, and personal liability.

Most travel insurance providers offer single or multi-trip policies, which can cover multiple countries within a specific timeframe. Things like the destination, length of trip, optional additional cover for specific activities and pre-existing medical conditions all help determine the cost of a travel insurance policy.

How much does travel insurance cost?

The cost of a travel insurance policy varies from traveller to traveller because various factors affect the amount payable.

At Cover-More, we consider a number of factors when calculating the total amount payable. The following is a guide on these key factors, how they combine and how they may impact the assessment of risk and therefore the premium paid:

• Area: higher risk areas cost more.
• Departure date and trip duration: the longer the period until you depart and the longer your trip duration, the higher the cost may be.
• Age: higher risk age groups cost more.
• Plan: International Comprehensive+, which provides more cover, costs more than International Comprehensive or Domestic.
• Excess: the higher the excess the lower the cost.
• Cruise cover: additional premium applies.
• Cancellation cover: on some policies you can choose your own level of cancellation cover. The more cancellation cover you require, the higher the cost may be.
• Adding cover for Existing Medical Conditions and pregnancy (where available): additional premium may apply if a medical assessment is completed and cover is accepted by us.
• Options to vary cover (where available): additional premium applies.

While a cheaper policy cost upfront may seem appealing, always read the Product Disclosure Statement to ensure your needs are adequately covered should an incident occur.

How does travel insurance work?

Travel insurance protects you when travelling domestically or internationally by providing coverage against unforeseen circumstances that may impact your travel plans. By purchasing travel insurance with cancellation cover prior to departure, your policy can help by providing cover for the costs of trip cancellations should you no longer be able to travel, as well as the costs of overseas medical treatment, lost passports, and personal items while you’re travelling.

The customer usually pays for these costs upfront, before being reimbursed by the travel insurer upon claim approval. To approve a claim, travel insurers require documentation such as medical reports, itemised medical bills or police reports to confirm the incident occurred.

However, at Cover-More, if our customer becomes ill overseas, they can also contact our 24-Hour Emergency Assistance team for support and to seek approval for expensive medical bills to be paid directly by us to the medical care provider/s instead.

Always read the Product Disclosure Statement before purchasing a travel insurance policy to ensure it provides adequate coverage for your circumstances.

What does – and doesn’t – travel insurance cover?

Unfortunately, travel insurance can’t cover absolutely everything. This highlights the importance for travellers to read the  Product Disclosure Statement  before purchasing to avoid becoming frustrated if claims are unsuccessful. It will contain details on the situations you likely won’t be covered in, including cancellation, pre-existing medical conditions, theft or loss of belongings, adventure sports, COVID-19 scenarios and more.

For full details of the exclusions within our Cover-More travel insurance plans, consult the  Product Disclosure Statement  .

When is the best time to purchase travel insurance?

The best time to purchase travel insurance is as soon as a trip is booked, as this can increase protection. When purchased ahead of time, a Cover-More customer can cancel their travel insurance policy for a full refund within the 21-day cooling-off period. If the policy is purchased before departing on the trip, claims for rearrangements and cancellations caused by unforeseen circumstances can also be made where cancellation cover is added to the policy.

• Auto Insurance Best Car Insurance Cheapest Car Insurance Compare Car Insurance Quotes Best Car Insurance For Young Drivers Best Auto & Home Bundles Cheapest Cars To Insure
• Home Insurance Best Home Insurance Best Renters Insurance Cheapest Homeowners Insurance Types Of Homeowners Insurance
• Life Insurance Best Life Insurance Best Term Life Insurance Best Senior Life Insurance Best Whole Life Insurance Best No Exam Life Insurance
• Pet Insurance Best Pet Insurance Cheap Pet Insurance Pet Insurance Costs Compare Pet Insurance Quotes
• Travel Insurance Best Travel Insurance Cancel For Any Reason Travel Insurance Best Cruise Travel Insurance Best Senior Travel Insurance
• Health Insurance Best Health Insurance Plans Best Affordable Health Insurance Best Dental Insurance Best Vision Insurance Best Disability Insurance
• Credit Cards Best Credit Cards 2024 Best Balance Transfer Credit Cards Best Rewards Credit Cards Best Cash Back Credit Cards Best Travel Rewards Credit Cards Best 0% APR Credit Cards Best Business Credit Cards Best Credit Cards for Startups Best Credit Cards For Bad Credit Best Cards for Students without Credit
• Credit Card Reviews Chase Sapphire Preferred Wells Fargo Active Cash® Chase Sapphire Reserve Citi Double Cash Citi Diamond Preferred Chase Ink Business Unlimited American Express Blue Business Plus
• Credit Card by Issuer Best Chase Credit Cards Best American Express Credit Cards Best Bank of America Credit Cards Best Visa Credit Cards
• Credit Score Best Credit Monitoring Services Best Identity Theft Protection
• CDs Best CD Rates Best No Penalty CDs Best Jumbo CD Rates Best 3 Month CD Rates Best 6 Month CD Rates Best 9 Month CD Rates Best 1 Year CD Rates Best 2 Year CD Rates Best 5 Year CD Rates
• Checking Best High-Yield Checking Accounts Best Checking Accounts Best No Fee Checking Accounts Best Teen Checking Accounts Best Student Checking Accounts Best Joint Checking Accounts Best Business Checking Accounts Best Free Checking Accounts
• Savings Best High-Yield Savings Accounts Best Free No-Fee Savings Accounts Simple Savings Calculator Monthly Budget Calculator: 50/30/20
• Mortgages Best Mortgage Lenders Best Online Mortgage Lenders Current Mortgage Rates Best HELOC Rates Best Mortgage Refinance Lenders Best Home Equity Loan Lenders Best VA Mortgage Lenders Mortgage Refinance Rates Mortgage Interest Rate Forecast
• Personal Loans Best Personal Loans Best Debt Consolidation Loans Best Emergency Loans Best Home Improvement Loans Best Bad Credit Loans Best Installment Loans For Bad Credit Best Personal Loans For Fair Credit Best Low Interest Personal Loans
• Student Loans Best Student Loans Best Student Loan Refinance Best Student Loans for Bad or No Credit Best Low-Interest Student Loans
• Business Loans Best Business Loans Best Business Lines of Credit Apply For A Business Loan Business Loan vs. Business Line Of Credit What Is An SBA Loan?
• Investing Best Online Brokers Top 10 Cryptocurrencies Best Low-Risk Investments Best Cheap Stocks To Buy Now Best S&P 500 Index Funds Best Stocks For Beginners How To Make Money From Investing In Stocks
• Retirement Best Gold IRAs Best Investments for a Roth IRA Best Bitcoin IRAs Protecting Your 401(k) In a Recession Types of IRAs Roth vs Traditional IRA How To Open A Roth IRA
• Business Formation Best LLC Services Best Registered Agent Services How To Start An LLC How To Start A Business
• Web Design & Hosting Best Website Builders Best E-commerce Platforms Best Domain Registrar
• HR & Payroll Best Payroll Software Best HR Software Best HRIS Systems Best Recruiting Software Best Applicant Tracking Systems
• Payment Processing Best Credit Card Processing Companies Best POS Systems Best Merchant Services Best Credit Card Readers How To Accept Credit Cards
• More Business Solutions Best VPNs Best VoIP Services Best Project Management Software Best CRM Software Best Accounting Software
• Manage Topics
• Investigations
• Visual Explainers
• Newsletters
• Abortion news
• Coronavirus
• Climate Change
• Vertical Storytelling
• Corrections Policy
• College Football
• High School Sports
• H.S. Sports Awards
• Sports Betting
• College Basketball (M)
• College Basketball (W)
• For The Win
• Sports Pulse
• Weekly Pulse
• Buy Tickets
• Sports Seriously
• Sports+ States
• Celebrities
• Entertainment This!
• Celebrity Deaths
• American Influencer Awards
• Women of the Century
• Problem Solved
• Personal Finance
• Small Business
• Consumer Recalls
• Video Games
• Product Reviews
• Destinations
• Airline News
• Experience America
• Today's Debate
• Suzette Hackney
• Policing the USA
• Meet the Editorial Board
• How to Submit Content
• Hidden Common Ground
• Race in America

Personal Loans

Best Personal Loans

Auto Insurance

Best Auto Insurance

Best High-Yields Savings Accounts

CREDIT CARDS

Best Credit Cards

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here .

Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

• path]:fill-[#49619B]" alt="Facebook" width="18" height="18" viewBox="0 0 18 18" fill="none" xmlns="http://www.w3.org/2000/svg">
• path]:fill-[#202020]" alt="Email" width="19" height="14" viewBox="0 0 19 14" fill="none" xmlns="http://www.w3.org/2000/svg">

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

10 worst US airports for flight cancellations this week

Travel Insurance Heidi Gollub

10 worst US airports for flight cancellations last week

Average flight costs: Travel, airfare and flight statistics 2024

Travel Insurance Timothy Moore

John Hancock travel insurance review 2024

Travel Insurance Jennifer Simonson

HTH Worldwide travel insurance review 2024

Airfare at major airports is up 29% since 2021

USI Affinity travel insurance review 2024

Trawick International travel insurance review 2024

Travel insurance for Canada

Travel Insurance Mandy Sleight

Travelex travel insurance review 2024

Best travel insurance companies of April 2024

Travel Insurance Amy Fontinelle

Best travel insurance for a Disney World vacation in 2024

World Nomads travel insurance review 2024

Outlook for travel insurance in 2024

Survey: Nearly 85% of Americans avoid family over the holidays

Travel Insurance Kara McGinley