Travel insurance

Planning a trip? We’ve got you covered.

Heading overseas? Choose from budget, comprehensive or annual plans that cover medical and dental expenses, delays, lost luggage and more. Staying closer to home? We cover Australian domestic travel too.

HCF members SAVE UP TO 20%*

If you’re an HCF member you can save up to 20%* on our travel insurance. It’s our way of saying thanks. Not a member? Switch now to take advantage of all the benefits we offer.

Travel insurance plans

Annual multi-trip

Annual cover for international and domestic trips of up to 60 days (over a period of 12 months).

Dependant kids under 25 are covered too. This plan is available to under 70s. 

International comprehensive

International travel insurance for you and dependant kids under 25. Optional benefits include snow sports, additional rental vehicle insurance excess and specified items cover.

Australian Comprehensive

Cover for trips within Australia or cruises in Australian waters. There are no age restrictions and dependant kids under 25 are covered too.


Budget overseas travel insurance includes medical (excluding pre-existing conditions), dental, cancellation expenses and lost luggage cover.

Cover for USA, Canada, Antarctica, Continental Europe, Middle East, Japan, Central and South America and Africa available up to age 69; UK, Asia, Tahiti, Indonesia, New Zealand and the Pacific Region up to age 80.

Australian Cancellation & Additional Expenses

This plan covers cancellation costs and additional expenses, such as accommodation and meals, while you’re travelling in Australia. 

Available to both residents and non-residents of Australia, regardless of age. 

How to make a claim

You will need:

  • your travel insurance policy number
  • your contact and travel details
  • supporting documents for your claim (such as medical, dental, police or airline reports and receipts for your expenses).


Download the claim form and submit your claim, with supporting documents, online 24 hours a day / 7 days a week.


Download a claim form or call us on 13 13 34 or visit a HCF branch to get one. Send the completed form and your supporting documents to: PO Box 12090, Melbourne, VIC 8006.

Be sure to fill out the claim form completely. QBE will assess your claim and come back to you within 10 business days if more information is required.

If you have any questions about the form or claims process, contact QBE on 1300 555 017 (or +61 3 8523 2777 if you’re overseas).


HCF Travel Insurance Combined Product Disclosure Statement, Policy Wording and Financial Services Guide



HCF Travel Insurance is issued by QBE Insurance (Australia) Ltd ABN 78 003 191 035 (AFSL No. 239545). This product is not available directly from QBE. Before you apply, you should read the combined Product Disclosure Statement, Policy Wording and Financial Services Guide and consider if this cover is appropriate for your objectives, financial situation or needs, as the information we have provided does not take these into account.

* All HCF members are eligible for at least 10% discount. HCF Emerald members get 15% discount and Ruby and Diamond members get 20%. For further information visit the HCF Thankyou page.