- Travel Insurance
Not worth the trouble!
When I set off for a year of study in Israel I went with HBF as they give a generous discount for existing members. I have always found their regular health/car insurance to be excellent, but their travel insurance (outsourced to CGU insurance) has been a complete disaster.
About 4 months ago I had to go to hospital with a severe gastrointestinal illness (turned out to be giardia). When I ordered the insurance I was told that they can arrange payment in situations like this over up front over the phone so I'm not out of pocket, but when I ac...tually got to the hospital they said that they wouldn't pay for anything without getting the official report from the doctor first. As the hospital wouldn't admit me without proof of payment first, I had to give my own credit card and pay with that, then get reimbursed by the insurer. I do understand this, mind you - they need to wait to see if it's something I'm actually covered for before they blindly hand over money. My problem was just that this is not what they told me when I bought the product, and I'm just thankful that I had the money to pay for the treatment in advance or I would have been in a lot of trouble. The real problem came with getting the money back. Initially the claims team were very helpful, they replied to all my e-mails more or less instantly, told me exactly what documents I needed to give them, and even told me that I didn't need to get the doctors report translated from Hebrew, that they could arrange that for me. So far, so good. The problem came when I tried to actually get them to give me my money back. 3 months with no word before I figure something fishy is going on, so I e-mail them. And e-mail them. and e-mail them again. No response. About 15 or 20 e-mails later I get frustrated and say that if I don't hear from them soon (at least with an explanation of why its taking so long) I will be contacting the Financial Ombudsman Service. The next day I get an e-mail asking for one final document from me, and then a few days after that to say that my claim has been processed and paid. So, what could have been a week or so long process ended up taking over 4 months. 100% guaranteed I will never be buying travel insurance through HBF again, and I was very close to just cancelling all my insurance with them altogether.
Terrible for 79 year old travellers.
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.
Questions & Answers
insurance as overseas visitor
Will you pay for us cancelling a trip, due to the corona virus, which was booked in July 2019?
Hi I am a HBF member and would like a travel / medical Insurance to cover me while travelling overseas, now I move around Asia, Austalia and NZ over a 12month period and don't have exact dates of travel can I get coverage with HBF for medical hospital emergencies should they arise, I can handle out patience stuff and dental just want full hospital emergency coverage and repatriation should the need arise, cheer Gary
Hi Gary, thanks for finding the time to contact us while you are out globetrotting!
I'm sure you can appreciate there is quite a lot of information involved with insurance, especially when it comes to international cover. It may be best to give our experienced General Insurance representatives a call to ensure we are covering all bases and answering all the questions you have, in as much detail as you need.
Feel free to give us a call on 133 423 when you have a little block of time free and we will definitely be able to help. We look forward to hearing from you and all the best for your travels!
The HBF Team
|Category||Travel Insurance||Travel Insurance||Travel Insurance||Travel Insurance|
|Other Insurance Types Offered||Car, Health, Life and Travel||Car, Health, Life and Travel||Car, Health, Life and Travel||Car, Health, Life and Travel|
|Maximum Age Covered||85 years old||85 years old||85 years old||85 years old|
|Overseas Emergency Assistance||Unlimited||Unlimited||Unlimited||Unlimited|
|Accidental Death||$25,000||$15,000||Not Included||$25,000|
|Pregnancy (max weeks)||24 weeks||24 weeks||24 weeks||24 weeks|
|Resumption of Journey||$6,000||$2,500||$1,000||$5,000|
|Hospital Cash Allowance||$50 per day, up to $6,000||$50 per day, up to $3,000||$50 per day, up to $1,000||$50 per day, up to $6,000|
|Overseas Emergency Medical & Hospital Expenses||Unlimited||Unlimited||Unlimited||Unlimited|
|Loss of Income||$10,400||$6,500||Not Included||$10,400|
|Permanent Disability||$25,000||$15,000||Not Included||$25,000|
|Luggage & Personal Effects|
|Theft of Cash||$500||Not Included||Not Included||$500|
|Delayed Luggage||$750 after 10 hours||$500 after 10 hours||Not Included||$750|
|Credit Card Fraud||$3,000 as part of Travel Documents cover||$2,000 as part of Travel Documents cover||$1,000 as part of Travel Documents cover||$3,000 as part of Travel Documents cover|
|Travel Documents / Passport||$3,000||$2,000||$1,000||$3,000|
|Maximum Single Item Limit||$3,000||$1,500 (Laptops or Cameras)||$750 (Laptops or Cameras)||$3,000 (Laptops or Cameras)|
|Luggage & Personal Effects||$15,000||$7,500||$3,000||$15,000|
|Rental Vehicle Excess||$5,000||$3,000||Not Included||$5,000|
|Motorbike / Moped Coverage||Included for any size||Included for any size||Included for any size||Included for any size|
|Domestic Pet Care||$650||Not Included||Not Included||$650|
|Special Activities Packages|
|Cruise||Optional Extra||Optional Extra||Optional Extra||Optional Extra|
|Snow / Ski||Optional Extra||Optional Extra||Optional Extra||Optional Extra|
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