HIF Travel Insurance

Embarking on your next trip is exciting, and while you hope the unexpected does not happen, it is best to be prepared. Buying HIF Travel Insurance for your trip can offer cover for minor things, like a delayed suitcase*, or significant things, like an unexpected trip cancellation* or an overseas medical emergency*. We've partnered with emergency medical assistance provider, Allianz Global Assistance, to ensure you have the support and care you need.

*Terms, conditions, limits and exclusions apply. Please refer to the Product Disclosure Statement for full details.


 

Features & Benefits

  • Pre-existing medical condition cover You may be eligible for pre-existing medical condition cover on Comprehensive, Multi Trip and Domestic plans using the HIF Travel Insurance online medical assessment, which provides an instant outcome.
  • Simple claims process If something happens while you are travelling, making a claim is simple with the insurer’s online claims portal. You can make a claim online while you are still travelling or when you return.
  • 24/7 emergency assistance If you need help while travelling, Australian-based case managers are here for you 24/7, with registered nurses and doctors available.

 

Epidemics and pandemics

Always consult the Smartraveller website prior to any travel.

Travel has changed dramatically since COVID 19 became a worldwide pandemic. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means the insurer does not cover claims that arise from, or are related to, an epidemic or pandemic.

However, HIF Travel Insurance offers cover under selected benefits if, during your period of cover, you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID 19. Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.

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If a COVID 19 border closure or mandatory quarantine period prevents you from travelling or requires you to shorten your journey while travelling, you may be entitled to cancel your policy and receive a partial or full premium refund; refer to the Product Disclosure Statement for terms and conditions.

Make sure you stay up to date and comply with travel information for COVID 19 from the Department of Foreign Affairs and Trade (DFAT) Smartraveller website, World Health Organisation (WHO), and Department of Home Affairs.

In addition to visas, COVID 19 testing, and proof of vaccination requirements, many countries now have compulsory insurance and medical cover proof conditions. Prior to travelling, check with the nearest embassy, consulate or immigration department of your destination.

Plans

Depending on your age, where you are travelling to, the length of your trip, you may be offered one, two or three different plans. The below is only a summary.

Domestic

Domestic Plan

This Domestic plan offers cover for a single trip within Australia. It is designed to cover personal liability, luggage, unexpected trip cancellation*, and more*. Plus, for an additional premium, you may be eligible to add Snow, Cruise and Adventure packs, increase item limits, and apply for pre-existing medical condition cover.

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Essentials

Essentials Plan

This Essentials Plan offers budget-friendly cover for a single overseas trip. It is designed to cover overseas medical, hospital and dental expenses, personal liability, luggage, and unexpected trip cancellation*.

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Comprehensive

Comprehensive Plan

This Comprehensive Plan offers cover for a single overseas trip. It is designed to cover overseas medical, hospital and dental expenses, personal liability, luggage, unexpected trip cancellation*, and much more*. Plus, for an additional premium you may be eligible to add Snow, Cruise and Adventure packs, increase item limits, and apply for pre existing medical condition cover.

Get a Quote

Multi-Trip

Multi-Trip Plan

This Multi Trip Plan offers cover for multiple trips within a 12-month period. Each individual trip can be up to 15, 30 or 45 days in duration. For overseas trips, it offers all the benefits of the Comprehensive Plan; and for domestic trips, it offers all the benefits of the Domestic Plan. Plus, for an additional premium, you may be eligible to add Snow, Cruise and Adventure packs, increase item limits, and apply for pre existing medical condition cover .

Get a Quote

* Terms, conditions, limits and exclusions apply. Please refer to the Product Disclosure Statement for full details. The TMD is available here.  


 

Optional cover

For an additional premium, you may be eligible to add one or more of the following optional covers to Comprehensive, Multi Trip and Domestic plans*. These are summaries only.

  • Snow Pack Going to the snow? You may be eligible to add a Snow Pack that is designed to cover snow sport activities including amateur skiing, snowboarding, sledding, tobogganing, or tubing. A Snow Pack covers overseas snow sport emergency assistance, loss or damage to equipment, and more*.
  • Cruise Pack Going sea or ocean cruising? Add a Cruise Pack, which is designed to cover medical costs on board, ship to shore evacuation, pre paid shore excursion cancellation, cabin confinement and more*.
  • Adventure Pack Doing adventure activities? You may be eligible to add an Adventure Pack to your plan that is designed to cover a wide range of adventure activities including riding motorcycles, mopeds and scooters, quad biking, zip lining, river tubing, animal handling, and much more*.
  • Increased Item Limits Cover Taking higher value items? To increase the item limit for higher value items, add Increased Item Limits Cover to your plan, so your item may be covered for a higher value, should it be stolen, lost or damaged*.

 

Get a Quote

*Terms, conditions, limits and exclusions apply. Please refer to the Product Disclosure Statement for full details. The TMD is available here. 


 

Cover Types

Depending on the plan you choose, HIF Travel Insurance will assign one of the following cover types to your plan so you can easily identify which benefit limits apply to you. These are summaries only. Terms, conditions, limits and exclusions apply; refer to the Product Disclosure Statement to learn more about the Cover Types.

  • Single

    Covers you and your dependants named on the Certificate of Insurance who are aged under 25 years, not employed full time and will be with you for 100% of your journey.

  • Duo

    Covers you and your travelling companion named on the Certificate of Insurance who is not a dependant and will be with you for at least 75% of your journey.

  • Family

    Covers you, your spouse or partner, and your dependents named on the Certificate of Insurance who are aged under 25 years, not employed full time and will be with you for 100% of your journey.

Get a Quote


 

Contact Us

  • Customer Support

    If you have any questions or need to make changes to your travel insurance policy, call or email us.

    Phone: 1300 313 302

    Support Hours:
    Weekdays 8am - 7pm AEST
    Saturday 8am - 5pm AEST

  • Claims

    To make a new claim or to check the status of an existing claim, head to the claims portal.

    Claims Portal

  • 24/7 Emergency Assistance

    Call emergency services immediately if your condition is life threatening.

    Call us as soon as you can on
    +61 7 3305 7499 (overseas)
    1800 010 075 (within Australia)

    Please note additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.

* Health Insurance Fund of Australia Limited ACN 128 302 161 AR 1250504 (HIF) arranges this insurance as authorised representative for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). AGA issues and manages travel insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Terms, conditions, limits and exclusions apply. HIF, Allianz and AGA do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Therefore, you should consider whether the advice is appropriate for you. Before making a decision please consider the Product Disclosure Statement. The Target Market Determination is available at www.allianzpartners.com.au/policies, HIF and AGA receive a commission which is a percentage of the premium you pay for a policy - ask us for further details prior to purchasing. 

Important note:
If your policy issue date is before 17 August 2022, you can access the HIF Travel Insurance Product Disclosure Statement (PDS) for full terms, conditions, inclusions, and exclusions.  For information about the Target Market Determination (TMD), call Cover-More on 1300 77 88 22. 
Prior to 17 August 2022, HIF Travel Insurance was issued by Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) on behalf of the product issuer, Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507).
If you have feedback or a complaint about a Travel Insurance product underwritten by Cover-More, please call 1300 889 573.