HCF Travel Insurance

About HCF

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. 

Cover information and limits in the table below verified as correct at 13 October 2024. Other information correct at the time of writing.

HCF plans

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 

• Multi-Trip

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

Apply for HCF travel insurance