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HIF Travel Insurance

Our verdict: HIF Travel Insurance covers all the basics but excludes pre-existing medical conditions so if you have one, you might want to look elsewhere.

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HIF

Pros

  • HIF's Comprehensive, Domestic and Non-Medical policies are available to travellers of all ages, whether they're under 18 or over 100.
  • There are a range of customisations available so you can tailor your policy to suit your specific needs, including adding pre-existing medical conditions, snow sports cover and cruise cover.

Cons

  • HIF's COVID-19 cover is limited. In most cases, you'll have to be diagnosed with COVID-19 to make a claim.
  • Pregnancy is only covered up until the 24th week, but we found 13 brands that offer cover further into a pregnancy.
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Congratulations, HIF!

HIF received the highly commended award for 'Travel Insurance - Seniors' in the 2023 Product Awards.

Full list of 2023 winners

Summary of HIF International Comprehensive Plan

Overseas Medical and Hospital Expenses$20,000,000
Cancellation and Amendment FeesCover chosen
Luggage and Personal Effects$10,000
Maximum Age Limit120

Table updated October 2023

How does HIF Travel Insurance cover COVID-19?

HIF offers limited cover for COVID-19. In most cases, you or your travelling partner will need to be diagnosed with COVID-19 to make a claim. Here's what you can expect:

  • Overseas emergency assistance, medical costs and hospital expenses if you require treatment for COVID-19.
  • Overseas emergency medical costs if you need treatment for COVID0-19while on your trip
  • Cancellation or amendment costs if you or your travelling partner are diagnosed with COVID-19 and need to cancel or reschedule your trip.
  • Additional expenses such as transport, accommodation or meals if you or your travelling partner are diagnosed with COVID-19 while on your trip.

There are many scenarios that are not covered by HIF including costs if your accommodation, transport, or activity are cancelled due to COVID-19.

You also won't be covered if you travel against medical advice, knowing you have COVID-19, or if you willingly and knowingly come into contact with someone who has COVID-19.

What policies does HIF offer?

HIF offers five insurance policies to travellers. Comprehensive, Essentials, Domestic, Multi-Trip and Non-Medical.

Travel plane luggage passport

Comprehensive

Passport

Essentials

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Domestic

Hiking

Multi-Trip

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Non-Medical

The insurer of this product is Allianz Australia Insurance Limited. It comes with a cooling-off period of 14 days and choice of $200 standard excess for international plans.

Here's a breakdown of HIF Travel Insurance features

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Standard features

These are some of the main insured events that HIF will cover. Some of these benefits may only apply on the Comprehensive International plan.

  • Overseas emergency assistance
  • Overseas medical treatment
  • Lost, damaged or stolen property
  • Trip cancellation or amendment
  • Additional accommodation and transport
  • Theft of money or travellers cheques
  • Luggage and travel delay
  • Emergency dental costs
  • Rental vehicle excess
  • Personal liability
  • Permanent disability
  • Accidental death

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Optional add-ons

HIF also offers four add-ons that provide cover for a wider range of risks.

  • Adventure Pack. Cover for a range of high-risk activities including deep sea fishing, outdoor rock climbing and riding a motorbike with the appropriate licence.
  • Cruise Pack. Extends your insurance policy to cover cruises and a range of cruise-specific risks including cabin confinement, marine rescue and shore excursion cancellation.
  • Snow Pack. Extends your insurance policy to cover time on the slopes plus a range of specific risks including piste closure, avalanches, and equipment hire.
  • Increased Item Limits Cover. Increase the claimable amount on a specific item. For example, if you're travelling with high-value jewellery, gadgets, or clothing.

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Exclusions

Unfortunately, travel insurance doesn't cover everything. Generally, HIF will not pay your claim if it relates to:

  • Unlawful, wreckless or unreasonably unsafe behaviour by you
  • Behaviour while you were drunk or under the influence of drugs
  • Expenses related to a pre-existing medical condition
  • Pre-existing medical conditions not listed on your insurance policy
  • An act of war, invasion or revolution
  • Insolvency of a travel agent, tour operator or accommodation provider
  • Mandatory quarantines or isolations
  • An act of war, invasion or revolution
  • You being unfit to travel or travelling against medical advice
  • Childbirth or pregnancy complications after the 24th week of gestation or if you have had previous pregnancy complications
  • An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
  • Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the HIF PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.

How to make an HIF Travel Insurance claim

You can lodge your claim online, 24 hours a day, at the Allianz Claims Portal.

If you need support lodging your claim, you can call HIF customer support on 11300 313 302, Weekdays 8am - 7pm AEST or on Saturday 8am - 5pm AEST.

Alternatively, you can email Allianz, the provider of HIF travel insurance, on travelinsurance@allianz-assistance.com.au.

Here's the bottom line about HIF Travel Insurance

HIF offers a great range of customisations including options to add pre-existing medical conditions, change item limits, and adjust excesses, as well as snow, adventure, and cruise packs.

There's also no age limit to HIF's Comprehensive, Domestic and Non-Medical policies, making them suitable for travellers young and old.

However, HIF is lacking cover for COVID-19. In most cases, you or your travelling partner would need to be diagnosed with COVID-19 to make a claim, which leaves you exposed to some risks.

Cover for pregnancy could also be stronger, ending at the 24th week while many other brands extend cover beyond this mark.

If you're still not sure about HIF, you can compare other travel insurance companies here.

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