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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Nicola Middlemiss

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Key takeaways

  • HIF's Comprehensive Domestic and Non-Medical policies cover all ages including over 100.
  • Tailor your HIF policy with add-ons for snow adventure cruises and approved pre-existing medical conditions.
  • COVID-19 cover requires a diagnosis and pregnancy cover is limited to the 24th week.

Our Verdict

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.

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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What policies does HIF offer?

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

Standard features
Optional add-ons
Exclusions

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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.

Frequently asked questions

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Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

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Nicola has written 170 Finder guides across topics including:
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4 Responses

    Patrica O'Connor's avatar
    PatricaJune 18, 2018

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

      Nikki Angco's avatar
      NikkiJune 19, 2018

      Hi Patricia,

      Thanks for leaving a question on our page.

      I see you’re looking at HIF Travel Insurance. To get a quote for your trip, you’d have to go directly to their website.

      Should you need more travel insurance options, please use our comparison table to select the type of cover you need and compare quotes from different brands.

      Cheers,
      Nikki

    Sue Harris's avatar
    SueFebruary 5, 2018

    quoting on a trip to uk march 15 – april 9

      Joel Marcelo's avatar
      JoelFebruary 17, 2018

      Hi Sue,

      Thanks for leaving a question on Finder.

      Unfortunately, we currently do not have access to this travel insurance brand. You can directly go to their page to get a quote or see our list of travel insurance to compare your options. If you need anything else aside from this, please send me a message anytime.

      Cheers,
      Joel

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