After 6 years on HBF private health, paying $86 a month for up to 6 years and only using it once for a dental checkup, I naturally went for HBF Travel insurance for the 6 months of the years I would travel.

In Sep 2017 I fell down a mountain and open fractured my toe. As I paid for my insurance while in the airport in Indonesia, I was left, Lying in a hospital . . . . dripping from my almost ripped off toe. For 8 hours I argued that I was a valued customer for 6 years with no claim and yet they would leave my High and dry when I needed it most.

I came back to Australia and cancelled all of my insurance with HBF.

If you leave your customer when you are needed the most that is a bad business move.

HBF, lift your game.

Do not deal with hbf travel insurance complete waste of money.
I recently had a dental emergency while in London costing over 1000.00AUD. When i tried to claim i was told that it was not covered because it was not a specific event. HBF claim it was tooth maintenance. An emergency root canal is not tooth maintenance. Well i don't know what would qualify as a specific event but i would have thought that an emergency root canal would be covered. Way to go HBF you just lost all our insurance business and i will be telling all my friends.

We had a medical emergency with our son the day before we were due to depart for our holiday, and couldn't travel. The claiming process was more straight forward than I was expecting and HBF did not make it too difficult to substantiate my claim. The claims consultant responded to my emails in a timely manner and the claim was also approved promptly. The customer service received from HBF has made this stressful time a little easier. I cannot say the same for my airline, whose customer service in trying to get an insurance letter has been nothing short of a debacle. I would recommend HBF travel insurance.

I agree completely with the Ralph[Not competitive]. As a 79 year old member I expected better service from HBF in travel insurance.I suggest that HBF changes their insurer and finds one more sympathetic to the needs of older members.

Evan

HBF insurance is very, very expensive for aged customers even if they have membership. Further, their cover levels are less generous than other well known and reliable companies.....

Check it out and get the quotes before you commit to HBF.

Seeing the lack of competitiveness in this area I am now tempted to check out my Health Insurance! Am I paying too much compared to the market price? I now think I might be!

My wife is in a Dubai hospital by herself with my almost 2year old daughter, I am offshore on a ship. My daughter had a fit on a plane right at boarding time. If not stressful enough when she called HBF to sought the insurance not only was the operator not helpful but piled on things that is impossible to obtain from where we are. Will be cancelling all dealing with HBF.

Hi, I have taken travel insurance from hbf and when I wanted to claim, the claim team member did not even ask me if I am ok to talk and just saying as per policy x, this is a exclusion and forward me to underwriting team for refund if possible. I asked to call me back in 30 min as I am heading to a meeting and I need to talk further on this. She said ok.
I did not receive any call so I called back and asked about my claim and surprisingly the member told your claim is rejected and need a formal process to challenge their decision . I told her like without getting full details how can one reject claim. She admitted and said she will forward the email to call me back at 11.30am but I did not get call again.

Very bad experience

My daughter got Denghi Fever while volunteering in Bali. She was admitted to hospital and given advice to fly home before she deteriorated. She flew home under advice from doctors but HBF say, that because she didn't get their permission she is not able to claim this fare or a refund for her return airfare she had previously paid for. I don't think anyone would get paid out if they are refusing in this cut and dry claim. Check reviews before you take out travel insurance.

Disappointed. Flight suddenly got delayed which caused a 16 hour delay for an urgent commitment back home. Tried to claim for this as this area before booking a brand new flight as it is stated as 'unlimited claim' in the policy information for flight delays. After making a very costly overseas call, found out in actual fact that it is NOT covered by hbf and they would not compensate at all.

Asked for quotations for yearly travel insurance. Came out as the most expensive compared to other quotations from other companies.
Give discount if you already taken other insurance from them. Can deal with customer service at branches so don't have to deal with faceless person on the phone.
Very expensive, even after discount.

I would go with HBF again. After trying 5-6 different insurance companies they are the only one who would approve cover for my sons stable heart & kidney conditions. We paid extra premium of course, but didnt want to risk not having the insurance.
approved for pre-existing medical contions
cost almost $500 for travel insurance to fiji for only 7 nights