We’ll Travel Alongside You, Step by Step

Whether you are on holiday or a business trip, HFC Travel Insurance protection will provide you with the peace of mind during your travel and stay overseas. There are circumstances that you may encounter while abroad and this could disrupt the purpose of your travel. Being involved in an accident or falling sick overseas can be disastrous if you have to pay for medical expenses. Rest assured that this is taken care of, with our Travel Insurance cover. The HFC Travel Insurance Policy is underwritten by TOWER Insurance (Fiji) Limited, one of the oldest and most trusted name in the insurance industry.


Our Travel Insurance Policy offers a unique package of exceptional benefits designed to provide the very best cover at competitive premiums.

Free 24-Hour Emergency Assistance

Should ANY unexpected emergency arise simply call collect the TOWER HELP LINE in Auckland, New Zealand. Available worldwide, 24 hours a day.

Special Family Plan

Special packages for married couples and their families. Also available for De-facto relationships.

Pre-Purchase Protection

Cancellation and loss of deposits cover starts immediately the policy is issued and paid for.

Our Guarantee

Money-back guarantee if you are not happy with the policy prior to your departure.

Notes Applicable To All Policy Options

Individual Plan

Applicable to one adult traveling alone or together with their children under 18 years who are not self supporting.

Family Plan

Available to any family group travelling together consisting of not more than two adults who are married to each other, or cohabiting, and their children under 18 years who are not self supporting.


The first 20 weeks of pregnancy are covered by the Policy unless, when the policy is issued, you are pregnant and receiving medication or medical treatment (other than routine check ups).

Personal Baggage

There is a limit on each individual item, (which is increased for Video Camera equipment). Provision is made for travelers to increase the amount of general baggage cover and to cover items with a value in excess of the individual item limit (applies to all policy options).

Group Rates

Generous premium reductions for groups of ten or more premium paying persons are available on request.

Age Limit

Cover is not available to persons aged over 70 years.

What Do I If I Need Assistance?

All travelers face the possibility of an emergency during their travels. What would you do if:

  • You fell seriously ill or were involved in an accident in a foreign country where language is a problem or normal standards of medical care could not be guaranteed?
  • You did not have the money to pay the hospital admittance deposit?
  • Your children were left unattended as a result of your illness or injury?

How Would You Go About Obtaining Immediate Medical Assistance? Hospital Admittance Guarantees?

If you hold a Travel Insurance Policy then we provide FREE 24-hour emergency help and advices through the underwriters help line – TOWER HELP LINE.

With one free phone call TOWER HELP LINE can provide help with many emergencies services including:

  • Emergency medical assistance
  • Telephone medical advice and evaluation
  • Referral to English-speaking doctors or specialists
  • Medical insurance verification
  • Emergency funds for hospital deposits
  • Return of dependent children
  • Relaying urgent messages to family or travel agent

In the event of an emergency, the TOWER HELP LINE provides you with the security of immediate access direct to TOWER Insurance Limited in Auckland, New Zealand.

One call can help solve your claim inquiries, with no third party delays, no problems with non-English speaking agents in foreign countries: just a friendly New Zealand travel insurance professional to assist and advise you.

The Help Line service is toll free and available 24 hours, worldwide.

From Overseas

Call TOWER HELP LINE collect through an International Operator on +649 309 1001


The above is only a summary of our policy. Please refer to the policy document for full details. Click below for application form.

Travel Proposal Application Form

Underwritten by Tower Insurance


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