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

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 14 June 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:

  • Events

  • 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

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Comprehensive Plan

    • Per person

    • $20,000,000

    • $20,000,000

    • $500.00

    • Events
    • Choose $2,000 to unlimited

    • $10,000

    • $50,000

    • $50,000

    • $25,000

    • $25,000

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    More info
    • Essentials Plan

    • Per person

    • $20,000,000

    • $20,000,000

    • $500.00

    • Events
    • Choose $2,000 to unlimited

    • $5,000

    • $25,000

    • $25,000

    • $3,000

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    More info
  • Events

  • 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

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Multi-Trip Plan

    • Per person

    • $20,000,000

    • $20,000,000

    • $500.00

    • Events
    • Choose $2,000 to unlimited

    • $10,000

    • $50,000

    • $50,000

    • $25,000

    • $25,000

    • $5,000

    • $5,000

    • $5,000

    • $6,000

    • $5,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    More info
= Covered = Not covered

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.

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:

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:

HCF customer reviews

HCF travel insurance
10.0

Overall 10.0

10.0

Value for money

10.0

Policy coverage

10.0

Customer service

10.0

Claims handling

10.0

Trust

1 Reviews

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

HCF logo

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

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.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Nicole, New South Wales, reviewed 11 months ago

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