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.
Cover information and limits in the table below verified as correct at 22 February 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
- Single Duo Family
- Single
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
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
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
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
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:
+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
10.0
Overall 10.0
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 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.
Fullreview
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 7 months ago
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