HCF Travel Insurance

See the world safely with HCF Travel Insurance.

If you’re an HCF member looking for travel insurance, consider HCF. Not only is HCF backed by QBE, one of Australia’s most trusted general insurers, HCF members can get 10% off the cost of a their policy.

Keep reading to find out if HCF is right for you.

HCF travel insurance policies

International Travel Plan

This plan is available to Australian citizens irrespective of their age, and to non-Australian citizens up to 60 years of age. This plan covers:

Deposit Protection Travel Plan

This plan covers your deposit for up to $2,000 per adult. Once you upgrade to a full travel insurance plan, the amount paid on the deposit protection plan is deducted from the cost of the travel insurance.

Annual Multi-Trip Travel Plan

If you’re a frequent flyer, this travel insurance plan is ideal since it provides uninterrupted cover for your travels during a 12-month period and covers:

• Unlimited amount of trips during the policy period (each trip is covered for a maximum of 60 days)
• Unlimited medical and dental expenses
• Repatriation and evacuation
• Emergency and travel costs

Australian Travel Plan

This plan is available to all Australians irrespective of their age (and non-residents under 70 years of age). Ideal for travel within Australia, this plan will cover:

• Emergency accommodation and medical expenses
• Travel delays
• Loss and replacement of luggage
• Credit and debit-card fraud

Additional options available on HCF Travel Insurance Policies

Feel that your policy could use a boost? Depending on what you planning on getting up to, you can upgrade your policy with several optional extras, including:

Snow sports

For an additional premium, you can purchase an optional extra to insure:

• Equipment and activities related to snow sports
• Ski-lift passes
• Piste closure, and
• Replacing hired ski equipment

Additional excess on rental vehicles

Even though vehicle excess is included in the policy contract, you have the option of increasing the excess cover for an additional premium. This additional cover is available under the International Travel Plan, the Annual Multi-trip Travel Plan and the Australian Travel Plan.

Specific items

The total value of the item must be insured and you must be able to provide proof of ownership in the event of a claim. This additional cover can be purchased with the International Travel Plan, the Annual Multi-trip Travel Plan and the Australian Travel Plan.

Important aspects of your policy

Once you receive the Certificate of Insurance, go through it carefully to make sure that it reflects the conditions and cover to which you’ve agreed. As a policyholder, there are a few things of which you need to be aware.

Disclosure

Make sure your answers when applying for insurance are truthful and complete. In the case of false or omitted information, the claims you submit will be rejected and/or the policy will be cancelled.

Risks

It’s important to carefully consider the policies before purchasing one. If in doubt, talking to an insurance agent will help clarify the more complicated aspects of your contract, particularly with regard to the wording. Be sure that it matches your expectations to avoid unpleasant surprises – and extra administration - if your claim is refused.

General exclusions

There are certain cases in which your plan will not pay out. These include if you:

• Are travelling against medical advice
• Intentionally place yourself in a high risk situation
• Participate in professional sports
• Hunt
• Travel in a privately owned vessel in international waters
• Ride a quad bike
• Losses that are recoverable under some other scheme
• Cancellation for illness, injury or death of a person who is not a member of your travelling party and is 80 years of age
• The birth of a child

HCF Travel Insurance claims

A swift, successful claims depends on how quickly you report the accident, loss or damage to QBE. The claims form can be downloaded by heading to the QBE website. The instructions for the claims process as well as the necessary accompanying documents are listed on the back of the form. You can apply for a claim 24 hours a day, seven days a week.

Luggage

To report lost luggage and items listed under the “Luggage” section of your contract, you have to contact the local authority within 24 hours for a written acknowledgement.

Depreciation

In the event of lost or stolen items, QBE applies a depreciation rate to each item for every year you’ve owned it. The percentage differs according to the item. For example, a depreciation amount of 15% is applied to clothing and footwear, while a 20% depreciation amount applies to computers, cameras and other electronics. If your laptop is worth $1000 and you’ve owned it for three years, you’ll receive $400. This does not apply to compensation for fine jewellery or art.

Proof

You have to provide sufficient and irrefutable proof of ownership when reporting the loss or theft of an item. This includes original receipts, valuations and police records. Photographs, photocopies of receipts or user manuals will not be considered sufficient proof.

Turnaround

QBE aims to settle your claim within 10 days of receiving your claim form and all necessary accompanying documents. If QBE requires additional information, the claims team will contact you within 10 days.