overseas travel insurance hcf

• 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

Best International Travel Insurance

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

Travel Insurance Broker

Find out how a broker may be able to help you and compare travel insurance options with Savvy. Compare Travel...

Best Travel Insurance for Seniors

 Make the most of your next holiday. Compare with Savvy and find the best seniors travel insurance today. Compare Travel...

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...

What is Travel Insurance?

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

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

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...

What is a Travel Insurance Excess?

Find out what a travel insurance excess is and how you should compare them here. Compare Travel Insurance Quotes in...

What Do I Need for Travel Insurance?

Compare with Savvy and find out what you need to purchase travel insurance for your holiday. Compare Travel Insurance Quotes...

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...

Explore your travel insurance options for your next destination

Travel Insurance for London

Travel Insurance for Vietnam

Travel Insurance for South Korea

Travel Insurance for the Maldives

Travel Insurance for Phuket

Travel Insurance for America

Travel Insurance for Romania

Travel Insurance for Nepal

Travel Insurance for Malaysia

Travel Insurance for Finland

Travel Insurance for South Africa

Travel Insurance for Taiwan

Travel Insurance for the Czech Republic

Travel Insurance for Argentina

Travel Insurance for Oman

Travel Insurance for Saudi Arabia

Travel Insurance for Bhutan

Travel Insurance for Japan

Travel Insurance for the Bahamas

Travel Insurance for Sri Lanka

Travel Insurance for Ireland

Travel Insurance for Chile

Travel Insurance for Lebanon

Travel Insurance for the Seychelles

Travel Insurance for Poland

Travel Insurance for Kenya

Travel Insurance for Switzerland

Travel Insurance for Antarctica

Travel Insurance for Canada

Travel Insurance for Amsterdam

• Giving Back
• Partner with us
• Privacy Policy
• Terms of Use
• Credit Guide
• How We Handle Complaints
• Scam and Fraud Warning
• Comparison Rate Warning

1300 974 066

Sign up to our newsletter.

Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here , as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.

For more information about us and how we conduct our business, you can read our privacy policy and terms of use .

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

Thanks for your enquiry!

Our consultant will get in touch with you shortly to discuss your finance options.

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

• United States
• United Kingdom

HCF Travel Insurance

Our verdict: hcf has a wide range of customisable options so travellers can tailor their cover to suit their specific needs. however, cover covid-19 isn’t the strongest..

In this guide

Summary of HCF International Comprehensive policy

How does hcf travel insurance cover covid-19, what policies does hcf offer, here's a breakdown of hcf travel insurance features, standard features, optional add-ons, how to make an hcf travel insurance claim, here's the bottom line about hcf travel insurance, frequently asked questions, request travel insurance quotes and compare policies.

Destinations

• HCF's Comprehensive, Domestic and Non-Medical Plans are available to travellers of all ages, whereas some brands wont cover anyone over 79.
• You can set your own limit for cancellation costs, which means budget holidays will see cheaper premiums but more luxe trips can be fully covered.
• HCF doesn't cover any pre-existing medical conditions as standard, whereas many insurers cover a limited number for not extra cost.
• Cover for claims related to COVID-19 are limited. In most cases, you or your travelling companion would need to be diagnosed with COVID-19 to claim anything.

Compare other options

Table updated September 2023

HCF offers some cover if you're diagnosed with COVID-19 before you head on holiday or while you're away. Here's what you can expect:

• Overseas emergency assistance, medical care and hospital expenses if you're diagnosed with COVID-19.
• Cancellation or amendment costs if you or your travelling companion are diagnosed with COVID-19.
• Additional expenses if you or a travelling companion are diagnosed with COVID-19.
• Costs to return home if you are given medical advice that you should do so.
• Costs to return home if a relative or business partner is hospitalised or dies due to COVID-19.

There are some scenarios that are not covered by HCF including costs incurred as a result of mandatory quarantine or isolation, border closures or government travel bans.

Also, if you were diagnosed with COVID-19 before heading on your trip but you went anyway, you won't be covered for any COVID-related overseas medical expenses.

HCF offers five insurance policies to travellers. Comprehensive, Essentials, Domestic, Multi-Trip, and Non-Medical.

Comprehensive

Non-Medical

The insurer of this product is Allianz Australia Insurance Limited. It comes with a cooling-off period of 14 days and choice of $200 standard excess for international plans.

These are some of the main insured events that HCF will cover. Some of these benefits may only apply on the Comprehensive international plan.

• Overseas medical treatment
• Overseas emergency assistance
• Lost, damaged or stolen property
• Trip cancellation or amendment
• Additional accommodation and transport
• Theft of money and travel documents
• Luggage and travel delay
• Emergency dental costs
• Kidnap and hijack
• Personal liability
• Permanent disability
• Accidental death

HCF also offers four add-ons that provide cover for a wider range of risks.

• Adventure Pack. Cover for a wider range of activities that are considered high-risk, including deep sea fishing, outdoor rock climbing, or riding a motorbike with an appropriate licence.
• Cruise Pack. Extends your insurance policy to cover cruises and a range of cruise-specific risks including ship to shore evacuation, marine rescue, and cabin confinement.
• Snow Pack. Extends your insurance policy to cover accidents on the slopes, plus specific risks such as piste closure, avalanches, and equipment hire. .
• Increased Item Limits Cover. Increase or specify the limit of particular items if your base policy doesn't offer enough protection.

You can also vary your excess, paying an additional premium to drop the excess or enjoying cheaper premiums if you increase the excess.

Unfortunately, travel insurance doesn't cover everything. Generally, HCF will not pay your claim if it relates to:

• Unlawful, wreckless or unreasonably unsafe behaviour by you
• Behaviour while you were drunk or under the influence of drugs
• Expenses related to a pre-existing medical condition if it is not listed on your policy
• An act of war, invasion or revolution
• Insolvency of a travel agent , tour operator or accommodation provider
• Mandatory quarantines or isolations
• If you travel against medical advice
• Childbirth or pregnancy complications after the 24th week of gestation or if you have had previous pregnancy complications
• A multiple pregnancy or one where the conception was medically assisted
• An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
• Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the HCF PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

You can submit your claim online, through the Allianz travel insurance claim portal.

Before lodging a claim, you should have your policy number, personal details, any supporting documentation or evidence, and bank account details for the payment of your claim.

HCF Travel Insurance offers a broad range of optional add-ons, making it easy for travellers to customise their policies to suit their specific needs.

However, cover for expenses related to COVID-19 are limited and, in most cases, you or your travelling partner would need to be diagnosed with COVID-19 to make any claims.

If you're still not sure about HCF, you can compare other travel insurance companies here .

How do I get in touch with HCF?

You can email HCFat [email protected] or call the helpline on 1800 689 410 (Weekdays 8am-7pm AEST, Saturday 8am-5pm AEST).

Is there an age limit for HCF travel insurance?

HCF's Comprehensive, Domestic and Non-Medical plans have no age limit. The Cruise Pack also has no age limit.

However, HCF's Essentials and Multi-Trip plans are only available to travellers under the age of 75. The Snow Pack and Adventure Pack are also only available to travellers aged under 75.

Do I have to have health insurance from HCF to get HCF travel insurance?

No, you do not have to be an existing HCF customer to take out a travel insurance policy.

Use a comma or space to separate ages. Add kids under the age of 1 by typing a “0” 0 traveller(s)

Include travel deals and helpful personal finance content from Finder

By submitting this form, you agree to our Privacy & Cookies Policy and Terms of Service

Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds.

More guides on Finder

Drive a banger that needs some TLC?

More Australians are resorting to theft as they struggle with the rising cost of living, according to new research by Finder.

No one wants to spend years and years paying off what ends up being mostly interest. Here are several tips on how to pay off your home loan faster.

SPONSORED: We take a look at how term deposits can help you save more cash and build wealth.

Australian pet owners would fork out an eye-watering amount before considering putting their pet down, according to new research by Finder.

The fourth Bitcoin halving is here - what to expect next from Bitcoin.

What you need to know about travel insurance and acts of war.

Get up to speed with the latest economic update, offering insights into Australia's financial landscape.

Everything we know about the Sun Silver IPO, plus information on how to buy in.

Shared housing is quickly becoming the answer to the skyrocketing cost of living, according to new research by Finder.

Ask a Question

Click here to cancel reply.

You are about to post a question on finder.com.au:

• Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
• finder.com.au is a financial comparison and information service, not a bank or product provider
• We cannot provide you with personal advice or recommendations
• Your answer might already be waiting – check previous questions below to see if yours has already been asked

4 Responses

Where do I find cheap basic insurance for over 80s overseas (Thailand) from Sydney?

Thanks for reaching out.

I’m afraid HCF travel insurance only provides coverage for those below 75 years old. You can check our comparison page on travel insurance for over 80s . There’s a table on the page where you can compare the conditions for travellers over 80 years of age so you’ll have an overview of who might be the right insurer for you. You can fill out the online form from the page and put in your personal details and some information relevant to the travel to receive some quotes that will be suitable for you.

Hope this helped.

Kind Regards, Mai

How do I actually get an HCF quote?

Thanks for your question. finder.com.au is a does not currently have access to HCF Travel Insurance policies. You will need to visit the HCF website for a quote.

All the best, Richard

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.

• Join CHOICE

Travel insurance

International travel insurance comparison

Buy smarter with choice membership.

Or Learn more

Reviews and ratings you can trust

Based on intensive lab testing across 200+ product and service categories.

Easy side-by-side comparison

Sort, compare and filter to find the right product to match your needs.

Find the best product for you

Our expert advice outlines the best brands and ones to avoid.

Fact-checked

Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE .

If you're going overseas, travel insurance is just as essential as your passport. Use our free comparison tool to narrow down international single trip and annual multi-trip policies from 27 insurers, offering cover for COVID-19, existing medical conditions, car rental and more.

Travel insurance is a portable version of health, home, contents, life, public liability, and car rental excess insurance all packaged in one to take on holidays with you. But with all those insurances piled into one product, navigating your way through the terms and conditions to find the loopholes can be very challenging.

Use our travel insurance comparison to narrow down your options and make sure you're getting the best cover for your needs when on holiday.

List of brands we tested in this review.

• Battleface 2
• Cover-More 5
• FastCover 4
• Flight Centre 4
• Go Insurance 4
• InsureandGo 3
• Southern Cross Travel Insurance (SCTI) 3
• Tick Travel Insurance 4
• Travel Insurance Direct 3
• Virgin Australia 5
• WAS Insurance 2
• World Nomads 2
• World2Cover 4

The average cost of the policy compared to other policies of the same type (single trip or annual multi-trip). One $ sign is the cheapest through to five $$$$$ the most expensive. NA means the policy wasn't included in the price rating.

enter value/s in increments of 1 between 0 and 0

Policy type

• One trip 65
• Policy age limit

In years (up to and including the number stated). For policies listed as '100+', there is no age limit.

Does the policy cover international cruises?

• Optional 71

Medical expenses for COVID-19

Whether the policy covers you for medical and emergency evacuation and repatriation expenses for claims arising directly or indirectly from COVID-19. Cover is assessed on individual circumstances.

Cancellation expenses for mental health

Whether the policy covers you for cancellation expenses for claims arising directly from recognised mental health disorders experienced for the first time such as depression, anxiety, schizophrenia, bipolar disorder or PTSD. Cover is assessed on individual circumstances.

• Cancellation for insolvency of a travel services provider

Whether the policy covers you for losses arising out of insolvency of a travel services provider (e.g. airline, accomodation provider, bus line, shipping line, railway company, motor vehicle rental agency). Cover is assessed on individual circumstances.

Cancellation expenses for a natural disaster

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from a natural disaster. Cover is assessed on individual circumstances.

Cancellation expenses for civil unrest

Whether the policy covers you for cancellation expenses for claims arising directly or indirectly from civil unrest such as political protests, riots and strikes. Cover is assessed on individual circumstances.

• Baggage cover

Are stolen or damaged personal belongings covered

• Limit for baggage expenses

The overall limit for stolen or damaged personal belongings.

• Limit for a smartphone

Limit for a smartphone. Cover is assessed on individual circumstances.

• Limit for a laptop or tablet

Limit for a laptop or tablet. Cover is assessed on individual circumstances.

• Limit for rental car excess

Limit for collision damage excess for a hire car. Cover is assessed on individual circumstances.

• Scuba diving

Does the policy cover scuba diving if you are appropriately certified or diving with a qualified instructor?

Skiing and snowboarding on-piste

Does the policy cover skiing and snowboarding on-piste?

• Optional 82

Skiing and snowboarding off-piste

Does the policy cover skiing and snowboarding off-piste withing the resort boundaries?

• Optional 72

Tobogganing

Does the policy cover tobogganing on snow?

• Optional 50

Does the policy cover riding a moped with an engine capacity 50cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 32

Moped 125cc

Does the policy cover riding a moped with an engine capacity 125cc or below, with a helmet and driving license valid in the country the policy holder is in, but without an Australian motorcycle license

• Optional 28

Does the policy cover riding a motorcycle with an engine capacity above 125cc with an Australian motorcycle license and a helmet?

• Optional 34

Included in this comparison

• Price rating
• Dependant age limit
• Cancellation
• Pregnancy stage covered
• Childbirth costs
• Pre-existing conditions covered without application
• Pre-existing conditions covered on application
• Time period for existing conditions
• Medical expenses
• Expenses for a person to accompany a sick policyholder
• Daily hospital cash allowance
• Hours of hospitalisation before receiving allowance
• Dental expenses for accident or injury
• Dental expenses for acute pain
• Overseas funeral costs
• Additional travel expenses for injury or sickness
• Additional expenses for interrupted travel
• Travel insurance extension for a delayed trip
• Additional expenses for a lost passport
• Additional expenses for a sick relative
• Additional expenses for resumption of journey interrupted for a relative
• Cancellation covered
• Cancellation expenses
• Cancellation for frequent flyer points
• Cancellation expenses for travel agent fees
• Cancellation for insolvency of a travel agent
• Cancellation expenses for redundancy
• Cancellation expenses for defence and emergency workers
• Cancellation expenses for cancellation of work leave
• Cover for transport incidents
• Cover for strikes
• Cover for mental health
• Cover for COVID-19
• Cover for pandemics
• Cover for natural disasters
• Cover for civil unrest
• Cover for terrorism
• Cover for war
• Additional expenses for a special event
• Additional expenses for pre-paid travel arrangements
• Limit for travel delay expenses
• Hours before travel delay covered
• Limit per 24 hours for travel delay
• Limit for a single unspecified item
• Limit for a video or photo camera
• Limit for prescribed medications
• Overall limit for specified items
• Cover for baggage in a car during the day
• Cover for baggage in a car overnight
• Cover for valuables in a car
• Cover for lost or stolen cash
• Limit for baggage lost temporarily
• Hours before cover applies for baggage lost temporarily
• Rental car excess
• Snow sports
• Mopeds and motorcycles
• Bungee jumping
• Horse riding
• High altitude hiking
• White water rafting
• Paragliding
• Hot air ballooning
• Hang gliding

Displaying all 91 products

• Brand (A-Z)

Limit for additional meal and accommodation expenses if scheduled transport is delayed.

Your filters

This overall score is based on our expert assessment of what the policy covers, price and how easy it is to understand and buy. A higher score is better.

1Cover Comprehensive

1Cover Frequent Traveller

1Cover Medical Only

AANT Annual Multi-Trip

AANT Basics

AANT Essentials

AANT Premium

AHM Comprehensive

AHM Comprehensive Multi-Trip

AHM Medical Only

Battleface Covid Essentials

Battleface Discovery

Cover-More Basic

Cover-More Comprehensive

Cover-More Comprehensive Multi-Trip

Cover-More Comprehensive Plus

Cover-More Comprehensive Plus Multi-Trip

FastCover Basics

FastCover Comprehensive

FastCover Frequent Traveller Saver

FastCover Standard Saver

Flight Centre Multi-Trip YourCover Essentials

Flight Centre Multi-Trip YourCover Plus

Flight Centre YourCover Essentials

Flight Centre YourCover Plus

Go Insurance Go Basic

Go Insurance Go Basic Annual Multi-Trip

Go Insurance Go Plus

Go Insurance Go Plus Annual Multi-Trip

InsureandGo Bare Essentials

InsureandGo Gold

InsureandGo Silver

Jetstar Comprehensive

Medibank Comprehensive

Medibank Medical Only

Medibank Multi-Trip Comprehensive

NIB Annual Multi-Trip

NIB Comprehensive

NIB Essentials

NRMA Comprehensive

NRMA Comprehensive Multi-Trip

NRMA Essentials

Qantas Annual Multi-Trip

Qantas International Comprehensive

RAA Essentials

RAA Multi-Trip

RAA Premium

RAC Annual Multi-Trip

RAC Comprehensive

RAC Essentials

RAC Medical Only

RACQ Annual Multi-Trip

RACQ Premium

RACQ Standard

RACT Annual Multi-Trip

RACT Comprehensive

RACT Essentials

RACV Annual Multi-Trip

RACV Basics

RACV Comprehensive

RACV Essentials

Southern Cross Travel Insurance (SCTI) Annual Multi-Trip

Southern Cross Travel Insurance (SCTI) Comprehensive

Southern Cross Travel Insurance (SCTI) Medical Only

Tick Travel Insurance Basic

Tick Travel Insurance Budget

Tick Travel Insurance Standard

Tick Travel Insurance Top

Travel Insurance Direct Annual Multi-Trip

Travel Insurance Direct Basics

Travel Insurance Direct The Works

Virgin Australia International Plan (bought with flight purchase)

Virgin Australia Travel Safe International

Virgin Australia Travel Safe International Multi-Trip

Virgin Australia Travel Safe Plus International

Virgin Australia Travel Safe Plus International Multi-Trip

WAS Insurance Covid Essentials

WAS Insurance Discovery

Webjet Travel Safe International

Webjet Travel Safe International Multi-Trip

Webjet Travel Safe Plus International

Webjet Travel Safe Plus International Multi-Trip

World Nomads Explorer

World Nomads Standard

World2Cover Annual Multi-Trip

World2Cover Basics

World2Cover Essentials

World2Cover Top

• Insurance provider

Product selected for a detailed comparison

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova, Republic of; North Korea, Democratic People's Rep; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Safer travel starts with travel protection

If you were referred by a travel agent, enter the ACCAM number provided by your agent.

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

Type the country where you will be spending the most amount of time.

Age of Traveler

Ages: {{quote.travelers_ages}}

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

{{quote.start_date ? quote.start_date : "Date"}}

International Travel Insurance

International travel is exciting whether it's a quick visit to Paris, an African safari or a week in the Caribbean. Wherever your adventure takes you, international travel insurance can help you travel with peace of mind. If you become sick or injured while traveling; or if circumstances cause you to cancel or interrupt your trip, international travel insurance is there to help you. And, with our  OneTrip Prime plan , kids 17 and under are covered for free when traveling with a parent or grandparent (not available on policies issued to Pennyslvania residents). If something goes wrong when you're far from home, we're here to help. Just call our 24-hour assistance hotline.

View international travel insurance products .

International Travel Articles

The rewards of international travel are incredible — but before your adventure begins, you have to get through customs. We'll help you plan your next overseas trip, figure out what to pack, and protect yourself while you're traveling.

Featured Articles

Share this page.

• {{errorMsgSendSocialEmail}}

Travel Insurance with Benefits for International Travel

Travel overseas is one of the most wonderful experiences, but if something goes... More »

What's the Best International Travel Insurance?

Heading overseas soon? Luck you! Just make sure that you have travel insurance... More »

Maximize Your Travel Budget with Currency Exchange Habits

With all the trip planning that goes into making getaways equal parts fun... More »

{{articlePreview.snippet}} Read More

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

Return To Log In

Your session has expired. We are redirecting you to our sign-in page.

• Member Login
• Sign in to another secure site

Long-Term Assignments

Short-term assignments.

• Individual Travel
• Assistance and Security Services
• Medical Services

Travel protection plans for individual travel

SafeTrip protection plans are created for individuals, families, business travelers, students and more with a single purpose – to give you the protection you need for the trip you want. It is medical coverage, medical and travel assistance as well as medical evacuation and more.

Choose from three plans that deliver a combination of trip protection, health benefits and safety services.

International Travel Medical Plus:  Travel protection for trip cancellations or interruptions plus international travel medical insurance to cover you for emergency medical costs.

International Travel Medical: Covers you for unexpected health care costs due to accident or illness while abroad.

Travel Protection: Protection for trip cancellation, interruption and delays for U.S. domestic travel only

International insurance plans for business travelers on short-term trips.

International insurance plans for expatriates, multinational and third-country nationals.

Member Resources

Explore our health and wellness articles.