Travel Insurance

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While travel has changed a lot during the pandemic, you can still choose from a range of cover options to suit your budget with HCF Travel Insurance. Whether you’re travelling near or far, frequently or taking a single trip we can help get you covered.

HCF members can save 25% with our discount code*. Just follow these 2 steps below to get the code. 

  1. Log in to our My Membership app or online member services
  2. Head to the travel section of the HCF Thank You page to find the code.
Log in to get the discount code

When you’re ready to travel again, we’re here for you

Embarking on your next trip is exciting, and while you hope the unexpected does not happen, it is best to be prepared. Buying 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. 

Remember to always read the Product Disclosure Statement for the terms, conditions, limits and exclusions.

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If you need help while travelling, Australian based case managers are here for you 24/7, with registered nurses and doctors available.


Easily compare plans and customise your cover to suit you and your trip.


If something happens while you’re travelling, making a claim is simple with our online claims portal.


Travel has changed dramatically since the global COVID-19 pandemic. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic.

However, HCF Travel Insurance offers cover under selected benefits if, during your period of cover, you’re positively diagnosed with an epidemic or pandemic illness, such as COVID-19.

Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply^.

In addition, 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.

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Depending on your age, where you are travelling to, the length of your trip, you may be offered 1, 2 or 3 different plans. Terms, conditions, limits and exclusions apply, refer to the Product Disclosure Statement to compare plans in more detail.

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.

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.

Covers you, your spouse or partner, 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.

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Customer support
If you have any questions or need to make changes to your travel insurance policy, you can:

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

24/7 emergency assistance
Call emergency services immediately if your condition is life threatening. 

Call us as soon as you can on:

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



important information

*25% discount is the total discount on offer for the product, based on standard premium rates. It applies automatically upon successful input of the discount code to premiums for all plans, including policy add-ons. 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.

^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).

+The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 AFSL 241414 (HCF) arranges this insurance as agent for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Travel insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA) for the insurer Allianz. Terms, conditions, limits and exclusions 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 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.