Get the Finder app 🥳

Connect your accounts & save

HIF Travel Insurance

HIF Travel Insurance comparison and review: is it right for you?


The Health Insurance Fund of Australia (HIF) started life as a hospital and medical benefits fund for railway workers in 1954. Today, HIF is one of the fastest-growing not-for-profit health funds in Australia.

HIF travel insurance is not currently available via finder. You can visit their website at for more information or compare alternative options available below.

Compare your travel insurance quotes

warning A travel ban is in place for all Australians effective 25 March 2020. Most travel insurance brands will not cover you if you travel against a government warning. If you already have a policy, please contact your insurer directly for more information.
We are currently updating our site to reflect the Australian government’s advice. Some travel insurance policies will be temporarily unavailable.

Made a search before? Retrieve your search results

At least one destination is required
Both dates are required
Add more travellers
Enter the age of each traveller between 0 and 99

Enter a valid email address

At least one destination is required
Starting date is required
Add more travellers
Enter the age of each traveller between 0 and 99

Enter a valid email address

Type or Select your destination(s)

Popular Destinations

Can't find your destination? Just type it in the box above.

We compare products from

By submitting this form, you agree to the Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

HIF Travel Insurance Policies

Super Plus Plan

Providing worldwide cover (and compulsory for travels to North America and Japan), HIF Travel Insurance Super Plus Plan can be purchased as a singles or doubles option providing:

  • Unlimited cover for medical expenses incurred overseas
  • Cancelled or changed travel plans
  • Flight delays
  • Dental
  • Accidental death
  • Lost or theft of luggage and travel documents

Super Plan

Available as a singles or doubles package, this plan provides the minimum amount of cover for travels to Africa, South America, Europe, the UK, India, Russia and the Middle East. It provides:

  • Unlimited cover for medical emergency or hospitalisation expenses
  • Dental cover
  • Luggage and travel documents
  • Unlimited cover for changed or cancelled travel plans

Standard Plan

If you’re travelling Bali, this plan provides the minimum cover for:

  • Medical expenses overseas
  • Cancelled or changed travel plans
  • Costs of resuming travel
  • Lost or stolen luggage and travel documents

Economy Plan

This plan is ideal for travel to the South Pacific Islands, New Zealand and Norfolk Island covering:

  • Interrupted, cancelled and changed travel plans
  • Lost luggage and travel documents

Australian Plan

Since your private health insurance will cover medical expenses while travelling in Australia, HIF doesn’t cover medical or dental insurance in its domestic insurance plan. This plan provides unlimited cover for:

  • Changes and cancellations of travel plans
  • Minor travel delays
  • Luggage
  • Travel documents
  • Car hire excess waivers

Does HIF Travel Insurance cover for pre-existing medical conditions?

If you (or any person in your party insured under the contract) suffer from a pre-existing medical condition that isn’t automatically covered by HIF Travel Insurance, you can apply for this option.

This option only available to Australian residents who have undergone a medical exam. Once you’ve paid an additional premium, the approval number will be listed on your Certificate of Insurance.

If the nature of your pre-existing condition changes and/or the insured person requires new treatment, you will have to reapply for this pre-existing cover option before embarking on your trip.

Important aspects of your policy

Tell your insurer everything

The best thing you can do to ensure a swift response in an emergency situation is to be honest with the information you supply. Your “duty of disclosure” is pivotal in helping your insurance provider decide on which policy is best for your travel insurance needs, and also whether or not to insure you in the first place. If the information you give is found to be insufficient or untrue, your provider can cancel your policy and/or refuse a payout.

Changing plans

If for any reason your travel plans have changed (from those specified in the travel insurance contract), you have an obligation to inform your travel insurance provider. The same goes for insured people who are no longer on holiday with you.

What exclusions apply to HIF Travel Insurance?

Before agreeing to purchase a travel insurance plan, it’s a good idea to read through the general exclusions section. These are incidents that are not covered by the conditions of your plan, and should you suffer injury, loss or damage under this section, you won’t receive any compensation to cover the costs.

General exclusions include:

  • Any incident that does not occur during the period of insurance
  • The effects of alcohol or drugs
  • Off-piste skiing
  • Losses covered under any other policy or scheme
  • Yachting in international waters
  • Consequential loss like the loss of enjoyment
  • Pre-existing medical or dental conditions not listed as automatically covered
  • Pregnancy or childbirth after the 24th week of pregnancy
  • Your failure to take reasonable care
  • Racing other than on foot
  • Suicide or attempted suicide
  • Any act of violence or intentional damage by you
  • Any illegal or unlawful act by you
  • Any accident, illness or disease if you are 70
  • Hunting

HIF Travel Insurance claims

The more effective your handling of the claims process, the quicker you’ll receive the necessary assistance.

  1. Contact your provider
    Policy holders can submit a claim with HIF Travel Insurance 24 hours a day, seven days a week.
  2. Provide all the required information
    Gather all the necessary documents including medical and dental reports, police reports, valuations and receipts. Missing, incomplete or incorrect information will cause delays, which incur penalties for unnecessarily slowing down the process.
  3. Payment
    All payouts are made in Australian dollars. If you have an excess to pay, this will be deducted from the amount you receive from your provider, or they will ask that you pay it directly to them.

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

4 Responses

  1. Default Gravatar
    PatricaJune 18, 2018

    Going to Bali for a family wedding for 1 week we are 64/ 68 need a quote

    • Default Gravatar
      NikkiJune 19, 2018

      Hi Patricia,

      Thanks for leaving a question on our page.

      I see you’re looking at HIF Travel Insurance.
      Please note that we don’t stand as representation to them. To get a quote for your trip, you’d have to go directly to their website.
      Should you need more travel insurance options, you may go to this page.

      Message back anytime you have other queries.


  2. Default Gravatar
    SueFebruary 5, 2018

    quoting on a trip to uk march 15 – april 9

    • Default Gravatar
      JoelFebruary 17, 2018

      Hi Sue,

      Thanks for leaving a question on finder.

      Unfortunately, finder does not currently have access to this travel insurance brand. You can directly go to their page to get a quote. You may wish to compare options available on the travel insurance homepage. If you need anything else aside from this, please send me a message anytime.


Ask a question
Go to site