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.
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.
Compare your travel insurance quotes
Compare travel insurance quotes from 15
brands – that's more than any other site in Australia.
Got a quote before?
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
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
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.
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
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
No. You do not need to be an existing HIF customer in order to buy HIF travel insurance.
No. HIF offers travel insurance to all ages. However, the snow and adventure packs are only available to travellers aged under 75.
HIF will provide cover for your children or grandchildren (including stepchildren, adopted children, foster children and children you care for under a legal guardian arrangement).
However, they must be accompanying you for 100% of your journey, must not be in full-time employment, and must be aged under 25 years. In some cases, an additional premium may be required.
Highly commended for Best Travel Insurance - Seniors
Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio
Nicola's expertise
Nicola has written 239 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
This article examines what is and isn’t covered by missed flight travel insurance and also takes a look at other types of trip interruption and cancellation cover.
If you are planning a getaway, ensure your financial safety with a comprehensive travel insurance policy. Comprehensive travel insurance protects both you and your travelling companion against an array of unforeseen events.
Review affordable backpacker insurance for your next overseas adventure and find the right insurance policy to cover commonplace backpacking travel risks.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
Going to Bali for a family wedding for 1 week we are 64/ 68 need a quote
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
SueFebruary 5, 2018
quoting on a trip to uk march 15 – april 9
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
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Going to Bali for a family wedding for 1 week we are 64/ 68 need a quote
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
quoting on a trip to uk march 15 – april 9
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