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Teachers Health Fund Domestic review

Teachers Health Fund Domestic travel

CHOICE Expert Rating

52%
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Good Points

No good points available.

Bad points

Bad Points

No bad points available.

Recommended products

Recommended
Not recommended

Scores

CHOICE Expert Rating (%)
52%
Cover score (%)
58%
Price score
42%
Cancellation cover score
52%
Additional expense cover score
80%
Baggage cover score
52%

Description

Policy type
One trip
Provider
Allianz

Conditions

Policy age limit
100+
Dependant age limit
24

Annual multi-trip

Annual travel duration
N/A

Pre-existing conditions

Pre-existing conditions covered without application
Pre-existing conditions covered on application
Time period for existing conditions
24 months

Pregnancy

Pregnancy
Pregnancy stage covered
23
Childbirth costs

Additional expenses

Additional travel expenses for injury or sickness
$25,000.00
Additional expenses for interrupted travel
$25,000.00
Travel insurance extension for a delayed trip
Additional expenses for a lost passport
Additional expenses for resumption of journey interrupted for a relative
$0.00

Cancellation

Cancellation covered
Cancellation expenses
Cover chosen
Cancellation for frequent flyer points
Cancellation expenses for travel agent fees
$1,500.00
Cancellation for insolvency of a travel services provider
Cancellation for insolvency of a travel agent
Cancellation expenses for redundancy
Cancellation expenses for defence and emergency workers
Cancellation expenses for cancellation of work leave

Covered events

Transport incidents
  • Excludes cancellation and additional expenses for mechanical breakdowns
  • Includes cancellation and additional expenses for transport accident
Strikes
1
Mental health
Yes (includes claims for mental health conditions experienced for the first time on the trip)
COVID-19
  • Includes additional expenses if the policy holder contracts COVID-19
  • Cancellation expenses up to the cancellation cover limit if the policy holder or a close relative contracts COVID-19
  • Excludes cancellation expenses if a close relative contracts COVID-19
Pandemic
  • Includes cancellation and additional expenses for pandemics other than COVID-19
  • Includes additional expenses for transport interrupted by pandemics other than COVID-19
Natural disaster
1
Civil unrest
1
Terrorism

Special event

Additional expenses for a special event
$0.00
Additional expenses for pre-paid travel arrangements
$0.00

Travel delay

Limit for travel delay expenses
$2,000.00
Hours before travel delay covered
6
Limit per 24 hours for travel delay
$250.00

Baggage

Baggage cover
Baggage expenses
$10,000.00
Item limit
$750.00
Camera limit
$3,000.00
Laptop or tablet limit
$3,000.00
Smartphone limit
$1,000.00
Prescribed medications
$750.00
Specified items
$10,000.00
Baggage in a car during the day
$2,000.00
Baggage in a car overnight
$0.00
Valuables in a car
$0.00
Lost or stolen cash
$250.00
Baggage lost temporarily
$1,000.00
Hours before cover applies for baggage lost temporarily
10

Car rental

Rental car excess
Limit for rental car excess
$6,000.00

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