Jump to main navigation Jump to main content Sales enquiry 1800 062 063 Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 4pm (AEST / AEDT) Existing members: 13 13 34 Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 1pm (AEST / AEDT) Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 4pm (AEST / AEDT) Existing members: 13 13 34 Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 1pm (AEST / AEDT) Health programs Chat to us Contact us Sales enquiry 1800 062 063 Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 4pm (AEST / AEDT) Existing members: 13 13 34 Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 1pm (AEST / AEDT) Sales enquiry 1800 062 063 Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 4pm (AEST / AEDT) Existing members: 13 13 34 Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 1pm (AEST / AEDT) Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 4pm (AEST / AEDT) Existing members: 13 13 34 Mon - Fri: 8am - 8pm (AEST / AEDT) Sat: 9am - 1pm (AEST / AEDT) Compare & Switch Compare & Switch Looking to compare, take out private health insurance or make the switch to HCF? Find the right cover for your needs and we’ll take care of the rest. Compare Health Insurance Switch health insurance to HCF Get a quote Compare & Switch Looking to compare, take out private health insurance or make the switch to HCF? Find the right cover for your needs and we’ll take care of the rest. Compare Health Insurance Switch health insurance to HCF Get a quote Compare & Switch Compare & Switch Looking to compare, take out private health insurance or make the switch to HCF? Find the right cover for your needs and we’ll take care of the rest. Looking to compare, take out private health insurance or make the switch to HCF? Find the right cover for your needs and we’ll take care of the rest. Compare Health Insurance Switch health insurance to HCF Health Health Discover the benefits of private health insurance for you and your family, including comprehensive health support and how to find a provider near you. Why health insurance Find health insurance cover Corporate health search Find a provider Health programs Get a quote Find out more Health Discover the benefits of private health insurance for you and your family, including comprehensive health support and how to find a provider near you. Why health insurance Find health insurance cover Corporate health search Find a provider Health programs Get a quote Find out more Discover the benefits of private health insurance for you and your family, including comprehensive health support and how to find a provider near you. Discover the benefits of private health insurance for you and your family, including comprehensive health support and how to find a provider near you. Why health insurance Find health insurance cover Corporate health search Find a provider Health programs Get a quote Find out more Overseas Health Cover Overseas Visitors Health Insurance (OVHC) Whether you’re here for work or visiting Australia, get access to the health care services you may need with Overseas Visitors Health Cover (OVHC). Search for my visa Compare covers Why you need OVHC Make a claim Find a hospital or doctor Online GP consultations Get a quote Find out more Overseas Visitors Health Insurance (OVHC) Whether you’re here for work or visiting Australia, get access to the health care services you may need with Overseas Visitors Health Cover (OVHC). Search for my visa Compare covers Why you need OVHC Make a claim Find a hospital or doctor Online GP consultations Get a quote Find out more Overseas Visitors Health Insurance (OVHC) Overseas Visitors Health Insurance (OVHC) Whether you’re here for work or visiting Australia, get access to the health care services you may need with Overseas Visitors Health Cover (OVHC). Whether you’re here for work or visiting Australia, get access to the health care services you may need with Overseas Visitors Health Cover (OVHC). Search for my visa Why you need OVHC Find a hospital or doctor Online GP consultations Get a quote Find out more Life HCF Life and Recover Cover Count on HCF Life & Recover Cover to stand by you during life’s unexpected challenges and reduce the financial stress on your family’s future. Why Life Insurance and Recover Cover Find Life Insurance and Recover Cover Compare Life Insurance and Recover Cover Income Protect Insurance Life Protect Insurance Critical Illness Insurance Find out more HCF Life and Recover Cover Count on HCF Life & Recover Cover to stand by you during life’s unexpected challenges and reduce the financial stress on your family’s future. Why Life Insurance and Recover Cover Find Life Insurance and Recover Cover Compare Life Insurance and Recover Cover Income Protect Insurance Life Protect Insurance Critical Illness Insurance Find out more HCF Life and Recover Cover HCF Life and Recover Cover Count on HCF Life & Recover Cover to stand by you during life’s unexpected challenges and reduce the financial stress on your family’s future. Count on HCF Life & Recover Cover to stand by you during life’s unexpected challenges and reduce the financial stress on your family’s future. Why Life Insurance and Recover Cover Find Life Insurance and Recover Cover Compare Life Insurance and Recover Cover Income Protect Insurance Life Protect Insurance Critical Illness Insurance Travel Travel Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families. Find out more Travel Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families. Find out more Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families. Prepare for the unexpected with HCF Travel Insurance. Designed to provide cover for delayed luggage, overseas medical emergencies and more for singles, duos and families. Pet, Home & Car Pet, Home & Car From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options. Pet Home & Contents Landlord Car Pet, Home & Car From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options. Pet Home & Contents Landlord Car Pet, Home & Car Pet, Home & Car From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options. From furry friends to your home and the four wheels guiding you back to your loved ones, find pet insurance, as well as home and car cover options. Home & Contents About HCF About HCF Learn more about Australia’s largest not-for-profit health fund, how we reward our members, HCF benefits, partnerships, research initiatives and more. Our benefits Our partners Member care services Research Foundation Sustainability Loyalty program Get help Get a quote About HCF Learn more about Australia’s largest not-for-profit health fund, how we reward our members, HCF benefits, partnerships, research initiatives and more. Our benefits Our partners Member care services Research Foundation Sustainability Loyalty program Get help Get a quote Learn more about Australia’s largest not-for-profit health fund, how we reward our members, HCF benefits, partnerships, research initiatives and more. Learn more about Australia’s largest not-for-profit health fund, how we reward our members, HCF benefits, partnerships, research initiatives and more. Member care services Research Foundation Loyalty program Life on holiday is full of adventure and new experiences, but sometimes travel doesn’t go to plan. HCF Travel Insurance helps you prepare for the unexpected, with cover options for lost luggage * , travel delays * , overseas medical emergencies * and more. A partnership you can trust Travel with confidence knowing you have 24/7 emergency medical support through our partnership with Allianz Global Assistance. Travel with confidence knowing you have 24/7 emergency medical support through our partnership with Allianz Global Assistance. What's covered with HCF Travel Insurance? Australian-based case managers are here for you 24/7, with registered nurses and doctors available. Get up to $20,000 in cover for your family’s luggage and personal effects if they’re stolen, permanently lost or accidentally damaged * . If you’re sick or injured on your trip, we’ll cover reasonable medical and hospital expenses ^ up to $40 million for a family travelling. If delays of at least 6 consecutive hours affect your plans, we can cover reasonable additional meals and accommodation * . We help cover unrecoverable travel and accommodation costs if your trip is cancelled, changed or shortened unexpectedly * . We’ll help cover any excess payable up to $6,000 if your rental car is damaged or stolen on holiday, to reduce or remove your out-of-pocket costs * . If you’re diagnosed with COVID‑19 on your trip, you may be covered for certain expenses like medical costs or trip cancellations + . You can get cover for a range of pre-existing medical conditions provided you complete a medical assessment and your cover is approved. HCF members can save more on travel insurance As an HCF member, you can save 25% on your travel insurance policy when you use our discount code ~ , giving you more flexibility to choose cover that works for you and your travel plans while staying on budget. HCF TRAVEL COMPETITION $4.5K PRIZE WINNERS As Australia’s largest not-for-profit health fund, we’re always looking for ways to give back to our members and reward their loyalty. Thanks to our members who entered our HCF Travel competition for a chance to win 1 of 8 $4,500 pre-paid Visa cards *** . The winners have now been drawn. Congratulations to: S. Baldwin (2750) F. Beasley (6053) S. Bhatnagar (2077) J. Estoesta (2155) M. Haritos (3216) C. Manarang (2765) We hope each of our winners enjoy their $4.5k pre-paid Visa card prize! Winner details have been published in accordance with the HCF Travel Competition Terms and Conditions. Travel insurance for wherever your journey takes you Whether you’re planning an overseas holiday, a trip across Australia or multiple journeys in a year, we have travel insurance options to suit how you travel. International travel insurance From month‑long journeys in Europe to quick getaways in Bali, prepare for the unexpected with cover options for overseas medical costs, cancellations and lost luggage. Domestic travel insurance Exploring Australia? Cover the essentials like rental car excess and flight delays, so you can go from coast to country or wherever your travels take you, with confidence. Multi-trip travel insurance This Multi-Trip Plan is a 12-month plan that offers all the benefits of our Comprehensive or Domestic Plans for multiple trips within Australia * and overseas. Compare travel insurance to find the right cover for your needs Comprehensive Plan Comprehensive travel insurance covering overseas medical costs ^ , cancellations and belongings with a higher level of benefits. Cover for overseas medical and hospital expenses up to $20 million ^ . Alternative transport expenses up to $5,000 to help you arrive on time ^ . Luggage, personal effects and valuables covered up to $10,000 * . Travel documents, transaction cards and travellers cheques up to $5,000 ^ . Essentials Plan International travel insurance covering basics like overseas medical and hospital costs ^ , lost luggage and rental vehicle excess. Cover for overseas medical and hospital expenses up to $20 million ^ . Choose your own limit ## for trip amendments and cancellations up to $100,000 * . Luggage, personal effects and valuables covered up to $5,000 * . Up to $3,000 in rental car excess cover. Domestic travel insurance for your trip around Australia, covering travel delays, rental car excess, luggage and cancellations. Choose your own limit ## for trip amendments and cancellations up to $100,000 * . Luggage, personal effects and valuables covered up to $10,000 * . Up to $6,000 in rental car excess cover. Cover for additional meal and accommodation expenses due to travel delays * . Multi-Trip Plan Multi-Trip Travel Insurance offering 12 months of cover for domestic and international travel up to 45 days per trip. Cover for overseas medical and hospital expenses up to $20 million per person ^ . Trip amendments and cancellations benefit up to $100,000 per person * . Luggage, personal effects and valuables covered up to $10,000 per person * . Personal liability cover up to $5 million per person # . Benefits shown are based on single travel insurance policies unless stated otherwise. Please carefully read the PDS in full to make sure you understand the extent of cover provided and limitations (including any sub-limits) that apply. Your travel insurance can go further with these extras Whether you’re tapping into your adventurous side, sailing the seven seas or hitting the slopes, get additional cover for doing some of the things you love on holiday. From exploring Southeast Asia on a moped ** to tandem sky diving with a licensed instructor, our Adventure Pack offers additional cover. Designed for travellers looking for reliable cruise travel insurance, our Cruise Pack offers a range of benefits like medical cover while cruising ^^ and evacuation cover ^^ from ship to shore ++ . Before you tackle that black diamond run, add our Snow Pack to your travel insurance for overseas ^ emergency snow sport assistance ^^ , gear cover ^^ and more ++ . How travel insurance works Choose the cover that's right for you Compare travel insurance policies and choose the cover that suits your needs and budget. Tell us when and where you’re travelling And if you’re travelling solo, as a couple or with the family – so everyone’s covered. Review and purchase your travel insurance You'll receive your insurance certificate, and then you can start counting the days until you’re on holiday. Support you can trust for your travel insurance If you have any questions about travel insurance, need to make changes to your policy or require emergency support, our team is here to help. Contact our customer support team For travel insurance questions or policy support, call our team (weekdays 8am to 7pm, Sat 8am to 5pm AEST/AEDT) or email us at HCF@allianz-assistance.com.au . Update your details or travel plans Whether you need to update your contact details, travel dates or destinations before you jet off, log in to view your policy and make any changes. Make a claim online anywhere, anytime If you need to make a travel insurance claim while on your trip, our online claims portal makes the process quick and simple. 24/7 emergency assistance while travelling in Australia For urgent help while travelling in Australia, contact our team of Australian-based case managers 24/7, with registered nurses and doctors available ~~ . 24/7 emergency assistance while travelling overseas For urgent help while travelling overseas, contact our team as soon as possible for the support you need abroad ~~ . Need help to find the best travel insurance for your needs? Learn more about travel insurance with answers to frequently asked questions travellers have. How much does travel insurance cost? Why do I need travel insurance? Can I get travel insurance if I’m already overseas? How do I make a travel insurance claim? How far in advance can I get travel insurance? Do children need travel insurance when travelling with their family? Can I purchase travel insurance cover for pre-existing conditions? Does travel insurance cover COVID-19? The cost of travel insurance can vary from person to person because it depends on several factors, including:

Level or type of cover Pre-existing medical conditions Optional extras (such as adventure, snow or cruise packs) If you’re an HCF member, you may be eligible for 25% off travel insurance ~ . The best way to find out your exact travel insurance cost is to get a quick quote with your trip details. Get a travel insurance quote Travel insurance helps protect you from unexpected costs that can arise when things don’t go to plan. If you’re travelling overseas, it’s especially important because unexpected medical bills and hospitalisation can be expensive, and your Australian health cover may not cover you internationally. Travel insurance can also help cover expenses like unexpected trip cancellations, significant flight delays or the replacement of lost or stolen luggage * . Even when travelling within Australia, you can get travel insurance to cover things like trip cancellations ## , flight delays * , lost baggage * or a rental vehicle excess, although medical expenses aren’t included under our Domestic Travel Insurance policy. For full details of HCF Travel Insurance inclusions and exclusions, refer to the Product Disclosure Statement . No. Whether you’re travelling overseas or domestically, you must purchase our travel insurance before you start your journey to be covered. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to commence travel. You can make a claim online while on your trip or upon your return to Australia through our online claims portal . You’ll need to: have your policy number and personal details ready provide any receipts, medical records, police records or your travel itinerary if we ask for those. If you’re in Australia and need assistance with your claim, call our claims team on 1800 689 410 (Weekdays 8am-7pm AEST/AEDT). For 24/7 emergency assistance call +61 7 3305 7499 (overseas) or 1800 010 075 (within Australia). Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms. It’s up to you when you purchase travel insurance, but it’s important to keep these three things in mind: You can purchase HCF Travel Insurance up to 12 months in advance. You must purchase HCF Travel Insurance before you start your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to commence travel. Depending on the plan you choose you may have trip cancellation cover, which is designed to cover unexpected trip cancellation, rescheduling or shortening from the date your Certificate of Insurance is issued. So, consider purchasing our travel insurance as soon as you’ve booked and paid for your trip as you may be covered for such events before you depart. No. Children and dependants don’t need their own travel insurance policy if they’re travelling with you on the same itinerary, are listed on your policy and shown on your Certificate of Insurance. To be included under your family travel insurance policy, children/dependants must be: your child or grandchild (including stepchild, adopted child, foster child and child you care for under a legal guardian arrangement) aged under 25 years at the time of issue of your Certificate of Insurance not employed full-time accompanying you for 100% of the journey. HCF Travel Insurance allows you to insure up to 10 dependants under your policy, provided they meet the above criteria, are listed on the policy and on your Certificate of Insurance. Yes, though there are exceptions, and you must complete a medical assessment before obtaining cover. If you have a pre-existing medical condition, you can apply to include cover under your policy for your pre-existing medical condition(s) at the time of purchasing an eligible policy. Alternatively, you can call our contact centre and they can step you through the medical assessment over the phone. Call us on 1800 689 410 (Weekdays 8am-7pm AEST, Saturday 8am-5pm AEST). Unless we agree to provide cover for a pre-existing medical condition, claims arising from the condition will generally be excluded. HCF Travel Insurance provides cover for some COVID‑19 related events, depending on your circumstances and your level of cover. If you’re positively diagnosed with a sickness recognised as an epidemic or pandemic (such as COVID‑19) during your trip, cover may be available under the following sections of the policy: 1.1 Overseas Emergency Assistance. 1.2 Overseas Medical & Hospital Expenses. 2.1 Cancellation. 3.1 Additional Expenses. If your travel companion is positively diagnosed with COVID‑19 (or another recognised epidemic or pandemic illness) and this impacts your journey, cover may also be available under: 2.1 Cancellation. 3.1 Additional Expenses. Please note that there is no COVID-19 related cover for: travel to a country under a ‘do not travel’ warning on www.smartraveller.gov.au situations where a government authority issues closure, quarantine or isolation orders that restrict cross‑area, border, regional or territorial travel. Policy holders should be aware that other General Exclusions may apply. Please refer to the Product Disclosure Statement for the full terms, conditions, exclusions, limits and sub‑limits that apply to COVID‑19 travel insurance cover. The cost of travel insurance can vary from person to person because it depends on several factors, including: Level or type of cover Pre-existing medical conditions Optional extras (such as adventure, snow or cruise packs) If you’re an HCF member, you may be eligible for 25% off travel insurance ~ . The best way to find out your exact travel insurance cost is to get a quick quote with your trip details. Get a travel insurance quote Travel insurance helps protect you from unexpected costs that can arise when things don’t go to plan. If you’re travelling overseas, it’s especially important because unexpected medical bills and hospitalisation can be expensive, and your Australian health cover may not cover you internationally. Travel insurance can also help cover expenses like unexpected trip cancellations, significant flight delays or the replacement of lost or stolen luggage * . Even when travelling within Australia, you can get travel insurance to cover things like trip cancellations ## , flight delays * , lost baggage * or a rental vehicle excess, although medical expenses aren’t included under our Domestic Travel Insurance policy. For full details of HCF Travel Insurance inclusions and exclusions, refer to the Product Disclosure Statement . No. Whether you’re travelling overseas or domestically, you must purchase our travel insurance before you start your journey to be covered. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to commence travel. You can make a claim online while on your trip or upon your return to Australia through our online claims portal . You’ll need to: have your policy number and personal details ready provide any receipts, medical records, police records or your travel itinerary if we ask for those. If you’re in Australia and need assistance with your claim, call our claims team on 1800 689 410 (Weekdays 8am-7pm AEST/AEDT). For 24/7 emergency assistance call +61 7 3305 7499 (overseas) or 1800 010 075 (within Australia). Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms. It’s up to you when you purchase travel insurance, but it’s important to keep these three things in mind: You can purchase HCF Travel Insurance up to 12 months in advance. You must purchase HCF Travel Insurance before you start your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to commence travel. Depending on the plan you choose you may have trip cancellation cover, which is designed to cover unexpected trip cancellation, rescheduling or shortening from the date your Certificate of Insurance is issued. So, consider purchasing our travel insurance as soon as you’ve booked and paid for your trip as you may be covered for such events before you depart. No. Children and dependants don’t need their own travel insurance policy if they’re travelling with you on the same itinerary, are listed on your policy and shown on your Certificate of Insurance. To be included under your family travel insurance policy, children/dependants must be: your child or grandchild (including stepchild, adopted child, foster child and child you care for under a legal guardian arrangement) aged under 25 years at the time of issue of your Certificate of Insurance not employed full-time accompanying you for 100% of the journey. HCF Travel Insurance allows you to insure up to 10 dependants under your policy, provided they meet the above criteria, are listed on the policy and on your Certificate of Insurance. Yes, though there are exceptions, and you must complete a medical assessment before obtaining cover. If you have a pre-existing medical condition, you can apply to include cover under your policy for your pre-existing medical condition(s) at the time of purchasing an eligible policy. Alternatively, you can call our contact centre and they can step you through the medical assessment over the phone. Call us on 1800 689 410 (Weekdays 8am-7pm AEST, Saturday 8am-5pm AEST). Unless we agree to provide cover for a pre-existing medical condition, claims arising from the condition will generally be excluded. HCF Travel Insurance provides cover for some COVID‑19 related events, depending on your circumstances and your level of cover. If you’re positively diagnosed with a sickness recognised as an epidemic or pandemic (such as COVID‑19) during your trip, cover may be available under the following sections of the policy: 1.1 Overseas Emergency Assistance. 1.2 Overseas Medical & Hospital Expenses. 2.1 Cancellation. 3.1 Additional Expenses. If your travel companion is positively diagnosed with COVID‑19 (or another recognised epidemic or pandemic illness) and this impacts your journey, cover may also be available under: 2.1 Cancellation. 3.1 Additional Expenses. Please note that there is no COVID-19 related cover for: travel to a country under a ‘do not travel’ warning on www.smartraveller.gov.au situations where a government authority issues closure, quarantine or isolation orders that restrict cross‑area, border, regional or territorial travel. Policy holders should be aware that other General Exclusions may apply. Please refer to the Product Disclosure Statement for the full terms, conditions, exclusions, limits and sub‑limits that apply to COVID‑19 travel insurance cover. The cost of travel insurance can vary from person to person because it depends on several factors, including: Level or type of cover Pre-existing medical conditions Optional extras (such as adventure, snow or cruise packs) If you’re an HCF member, you may be eligible for 25% off travel insurance ~ . The best way to find out your exact travel insurance cost is to get a quick quote with your trip details. Get a travel insurance quote Travel insurance helps protect you from unexpected costs that can arise when things don’t go to plan. If you’re travelling overseas, it’s especially important because unexpected medical bills and hospitalisation can be expensive, and your Australian health cover may not cover you internationally. Travel insurance can also help cover expenses like unexpected trip cancellations, significant flight delays or the replacement of lost or stolen luggage * . Even when travelling within Australia, you can get travel insurance to cover things like trip cancellations ## , flight delays * , lost baggage * or a rental vehicle excess, although medical expenses aren’t included under our Domestic Travel Insurance policy. For full details of HCF Travel Insurance inclusions and exclusions, refer to the Product Disclosure Statement . No. Whether you’re travelling overseas or domestically, you must purchase our travel insurance before you start your journey to be covered. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to commence travel. You can make a claim online while on your trip or upon your return to Australia through our online claims portal . You’ll need to: have your policy number and personal details ready provide any receipts, medical records, police records or your travel itinerary if we ask for those. If you’re in Australia and need assistance with your claim, call our claims team on 1800 689 410 (Weekdays 8am-7pm AEST/AEDT). For 24/7 emergency assistance call +61 7 3305 7499 (overseas) or 1800 010 075 (within Australia). Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms. It’s up to you when you purchase travel insurance, but it’s important to keep these three things in mind: You can purchase HCF Travel Insurance up to 12 months in advance. You must purchase HCF Travel Insurance before you start your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to commence travel. Depending on the plan you choose you may have trip cancellation cover, which is designed to cover unexpected trip cancellation, rescheduling or shortening from the date your Certificate of Insurance is issued. So, consider purchasing our travel insurance as soon as you’ve booked and paid for your trip as you may be covered for such events before you depart. No. Children and dependants don’t need their own travel insurance policy if they’re travelling with you on the same itinerary, are listed on your policy and shown on your Certificate of Insurance. To be included under your family travel insurance policy, children/dependants must be: your child or grandchild (including stepchild, adopted child, foster child and child you care for under a legal guardian arrangement) aged under 25 years at the time of issue of your Certificate of Insurance not employed full-time accompanying you for 100% of the journey. HCF Travel Insurance allows you to insure up to 10 dependants under your policy, provided they meet the above criteria, are listed on the policy and on your Certificate of Insurance. Yes, though there are exceptions, and you must complete a medical assessment before obtaining cover. If you have a pre-existing medical condition, you can apply to include cover under your policy for your pre-existing medical condition(s) at the time of purchasing an eligible policy. Alternatively, you can call our contact centre and they can step you through the medical assessment over the phone. Call us on 1800 689 410 (Weekdays 8am-7pm AEST, Saturday 8am-5pm AEST). Unless we agree to provide cover for a pre-existing medical condition, claims arising from the condition will generally be excluded. HCF Travel Insurance provides cover for some COVID‑19 related events, depending on your circumstances and your level of cover. If you’re positively diagnosed with a sickness recognised as an epidemic or pandemic (such as COVID‑19) during your trip, cover may be available under the following sections of the policy: 1.1 Overseas Emergency Assistance. 1.2 Overseas Medical & Hospital Expenses. 2.1 Cancellation. 3.1 Additional Expenses. If your travel companion is positively diagnosed with COVID‑19 (or another recognised epidemic or pandemic illness) and this impacts your journey, cover may also be available under: 2.1 Cancellation. 3.1 Additional Expenses. Please note that there is no COVID-19 related cover for: travel to a country under a ‘do not travel’ warning on www.smartraveller.gov.au situations where a government authority issues closure, quarantine or isolation orders that restrict cross‑area, border, regional or territorial travel. Policy holders should be aware that other General Exclusions may apply. Please refer to the Product Disclosure Statement for the full terms, conditions, exclusions, limits and sub‑limits that apply to COVID‑19 travel insurance cover. For more information visit our travel insurance help centre Ready to get solo, duo or family travel insurance? Tick travel insurance off your to-do list before you jet off so you can focus on planning an adventure-filled itinerary for a holiday you’ll remember. Tick travel insurance off your to-do list before you jet off so you can focus on planning an adventure-filled itinerary for a holiday you’ll remember. Important information The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). AGA arranges and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. HCF, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Because of that, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement , the Financial Services Guide and Target Market Determination (TMD). The TMD is available at allianzpartners.com.au/policies . If you purchase a policy, HCF and AGA receive a commission which is a percentage of your premium - ask us for more details before we provide you with services. * Terms, conditions, exclusions, limits and applicable sub limits apply. Please refer to the Product Disclosure Statement for full details. ^ You do not have cover under this benefit while travelling in Australia. Terms, conditions, exclusions, limits and applicable sub limits apply. Please refer to the Product Disclosure Statement for full details. + Please note the general exclusion concerning travel alerts and other warnings. That means, you will not be covered if you contracted the epidemic or pandemic sickness when you had travelled against a warning or advice by the Australian Government and did not take appropriate action to avoid contracting the sickness (for example by delaying travel to the country or part of the country referred to in the warning). ~ HCF members who have held eligible cover for at least 1 week and are up to date with their premiums can receive a 25% discount on HCF Travel Insurance. For this offer, eligible cover includes all Hospital and Extras products, plus selected Life and Recover Cover products (see HCF Thank You terms and conditions for the full list) and excludes Overseas Visitor Health Cover and Ambulance Only Cover. To access the discount code, log in to the My Membership app or online member services and go to the travel section of the HCF Thank You page to find the code. 25% discount applies to new policy purchases and is based on standard premium rates (including optional covers). It applies automatically upon successful input of the discount code and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Allianz Global Assistance to find out more. Cannot be used in conjunction with, or in addition to any other discounts. No additional discounts will be provided to Members who already receive a Member discount. Please contact us for more information. *** Read more information on the HCF Travel Insurance Campaign . The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). AGA arranges and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, exclusions, limits and applicable sub-limits apply. HCF, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Because of that, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement , the Financial Services Guide and Target Market Determination (TMD). The TMD is available at allianzpartners.com.au/policies . If you purchase a policy, HCF and AGA receive a commission which is a percentage of your premium - ask us for more details before we provide you with services. # You will not have cover under Benefits 1.5 Permanent Disability and 6.1 Personal Liability for any claims arising from your participation in any of the activities listed under Adventure Pack or your participation in snow sport activities. Please refer to the Product Disclosure Statement for full details. ** Even if you purchase the Adventure Pack, you will only be covered while riding on a motorcycle, moped, motorised scooter or quad bike if: you hold the appropriate class of licence (excluding learners licences) in Australia for the vehicle you are driving, or a licence valid for the country you are riding in, if your Australian licence is not recognised in that country when you are riding as a pillion passenger on a motorcycle, moped or motorised scooter, the driver holds a licence valid for that vehicle and for the country it is being ridden in. However, this restriction will not apply if it is reasonable that you did not know that the driver was not licensed and no exclusion applies to the circumstances of your claim you are the driver of a quad bike and you are not carrying a pillion passenger – there is also no cover if you ride as a pillion passenger on a quad bike you wear an appropriate safety helmet at all times you are not participating in any race or riding a motorcycle, moped, motorised scooter or quad bike in a professional capacity. ^^ You only have cover for these benefits if the relevant pack has been purchased. ++ Sub-limits apply - refer to the Optional Covers - Cruise Pack and Snow Pack Policy Benefits section of the Product Disclosure Statement for details. ~~ Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms. ## A default limit for Benefit 2.1 Cancellation is automatically included in your cover unless you make a selection. However, you are able to choose different levels of cover from the amounts available to you when you purchase your policy. Any benefit limit selected by you will be shown on your Certificate of Insurance. The benefit limit shown will be the most we will pay for all claims under Benefit 2.1 Cancellation. See the Product Disclosure Statement for details. Find a provider Find an HCF Dental Centre Find an HCF Eyecare Centre Feedback & complaints Customer service Privacy information & trust centre Compare health insurance Switch health insurance Health insurance Corporate health search Overseas Visitor Health Cover Life & Recover Cover Travel insurance Ambulance cover Medical advisory panel Other resources Forms and brochures Health programs Terms & conditions © 2026 HCF All rights reserved The Hospitals Contribution Fund of Australia Ltd. ABN 68 000 026 746 AFSL 241 414 HCF acknowledges the traditional custodians of the lands and water upon which we work and live. 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