St.George credit card complimentary travel insurance
Got a St.George credit card with travel insurance? Here’s what you need to know about cover and how to make a claim.
St.George offers complimentary insurance on its platinum and signature credit cards, with policies that cover domestic and international trips, as well as cover for some of the things you buy with your card. The actual policies are underwritten by Allianz Australia Insurance Limited (Allianz).
Just like any insurance policy, there are conditions you need to meet to get cover and successfully make a claim. That's why it's always best to read the policy document. But we know reading terms and conditions can be hard, so we have pulled out the key details to give you a better picture of St.George’s complimentary credit card insurance.
Have a question or need to make a claim right now? Call Allianz Global Assistance on 1800 091 710 (Australia) or +61 7 3305 7468 (overseas).
Which St.George credit cards have complimentary travel insurance?
| Card | International travel insurance for up to 6 months (Level 1 cards) | International travel insurance for up to 3 months (Level 2 cards) | Overseas transit accident insurance | Domestic interstate flight inconvenience insurance | Rental vehicle excess in Australia insurance | Purchase protection insurance | Extended warranty insurance |
|---|---|---|---|---|---|---|---|
| St.George Amplify Platinum | |||||||
| St.George Amplify Signature | |||||||
| St.George Amplify Platinum - Qantas | |||||||
| St.George Amplify Signature - Qantas |
As you can see, St.George offers complimentary international travel insurance for 4 cards but it separates them into Level 1 and Level 2 categories. The key difference between these levels is the length of cover you get for international travel insurance, as we’ve shown in the table.
Have a St.George credit card that’s not on this list? Check the terms and conditions available on the St.George website to see if your card is eligible.
What’s covered by St.George complimentary international travel insurance?
The cover you get is broken down into “benefits” based on what you can and can’t claim. It includes cover for medical and dental emergencies, cancellation and luggage, with selected COVID-19 cover from 30 June 2022. Some claims also have an excess you need to pay before you’ll get any money back (if your claim is approved).
To help you understand the cover available, we’ve put the key options for different types of claims and situations into a table. But remember: you should always read the insurance policy booklet for complete details of the cover.
Note: St.George has split its complimentary international insurance into 2 levels for different cards. With a Level 1 card, you’ll get this cover for up to 6 consecutive months of overseas travel and with a Level 2 card you’ll get cover for trips of up to 3 consecutive months. Remember to check your card level before booking a trip or making a claim – we’ve listed the levels for different cards in this guide. These details are also in the insurance policy booklet.
Medical, dental and emergencies cover with a St.George credit card
| Benefit | An example of when you'd use this | Claim limit for people under 81 years old | Excess payment (per claim) |
|---|---|---|---|
| Overseas emergency assistance | If you get food poisoning overseas and have to see a doctor or change your travel plans. | Unlimited | $0 |
| Overseas emergency medical | If you become sick or injured overseas and have to pay for seeing a doctor or other medical professional. | Unlimited | $300 |
| Evacuation and repatriation | If you become sick or injured overseas and need to be taken to a local hospital or a hospital back in Australia. | Unlimited | $300 |
| Overseas emergency dental expenses for spontaneous toothache | If you’re overseas and have to see a dentist because of a toothache that’s not related to any other dental issues. | Up to $2,000 per person | $300 |
| Hospital cash allowance | If you’re treated as an in-patient at an overseas hospital for more than 1 full day (24 hours) because of a covered health issue, this allowance helps cover the extra costs. | $100 per person per day, up to a maximum of $15,000 per person | $300 |
| Assault requiring hospital admission | If you’re attacked and need to be treated as an in-patient at a hospital. Note that you need a written police report and written advice from the doctor or medical adviser that treated you to make a claim. | $500 | $0 |
| Loss of income | If you or your spouse is injured overseas, gets treatment and experiences disability for at least 30 days after you return to Australia, then have medical advice that means you can’t return to work because of it. | Your verified income, up to $1,000 per person per week for a cardholder and spouse, limited to 12 consecutive weeks and a maximum of $12,000 for all claims combined. | $0 |
| Additional expenses | If you or a companion is injured to the point of incapacity, you could claim extra accommodation or travel. | Unlimited | $300 |
St.George complimentary international travel insurance for cancellation, delays and transport
| Benefit | An example of when you'd use this | Claim limit for people under 81 years old | Excess payment (per claim) |
|---|---|---|---|
| Cancellation (specific situations only) | If your journey is cancelled, disrupted or rescheduled because of your death or the unforeseen death of a partner, parent, sibling, child or other specified relative that lives overseas. | Unlimited (within reason), except for:
| $300 |
| Travel delay | If a flight was delayed by 6 hours or more and the airline didn’t offer compensation, you could claim food, accommodation or other eligible expenses. | Up to $500 per person for meals and accommodation ($1,100 max) | $300 |
| Alternative transport expenses Note: Acts of terrorism and the financial collapse of the transport company are not covered. | If your transport is delayed or cancelled and it means you wouldn’t make it to a conference, wedding or major event booked before you left Australia, this helps cover the cost of reasonable travel expenses to get you there. | Up to $3,750 | $300 |
| Domestic pets (additional boarding costs in Australia) | If your return home is delayed for a covered reason and it means you have to pay extra boarding fees for your cat or dog that lives in Australia, you could make a claim under this benefit. | Up to $50 per 24-hour period ($500 max) | $0 |
| Return home and resumption of journey following the death of a relative | If a relative in Australia dies unexpectedly when you’re travelling, you could submit a claim to cover the cost. | Up to $5,750 per person ($12,500 max) | $300 |
| Rental vehicle excess | If your overseas rental car is stolen or involved in an accident and the hire company agreement includes an excess that you need to pay, this cover can help with the cost. | Up to $5,500 | $300 |
Luggage and personal items cover offered with St.George credit card complimentary insurance
| Benefit | An example of when you'd use this | Claim limit for people under 81 years old | Excess payment (per claim) |
|---|---|---|---|
| Luggage Note: Different sub-limits apply depending on the items and where your luggage is held. | If you're travelling and your phone is stolen from your pocket, or a handbag you have on you is stolen. | $20,000 per person (up to $30,000 max), with the following sub-limits:
| $300 |
| Travel documents, transaction cards and traveller’s cheques | If your passport is lost or stolen and you have reported it to the local police within 24 hours, you could claim the fees for reissuing it. | Up to $550 per person ($1,250 max) | $0 |
| Luggage delay | If your luggage is delayed for more than 12 hours and the airline (or carrier) is at fault, you can get reimbursed for essential items you need to buy during that time. | Up to $800 ($1,600 max) | $0 |
Hijacking, kidnap and personal liability cover offered with St.George complimentary credit card travel insurance
| Benefit | An example of when you'd use this | Claim limit for people under 81 years old | Excess payment (per claim) |
|---|---|---|---|
| Hijack Note: This cover does not apply for hijacking that is classed as an act of terrorism. | If your flight or cruise was hijacked, this cover would apply for each day you are held captive (up to the limit listed). | Up to $250 per person per 12 hours ($20,000 max) | $0 |
| Kidnap and ransom Note: This cover does not apply for kidnapping in any country or waters located in Central America or South America (south of the US), the Philippines or Somalia. | If you’re kidnapped while travelling and need to pay a ransom. | Up to $100,000 | $0 |
| Personal liability | If you’re involved in an accident and become legally liable to pay compensation for someone else’s injuries or damaged property (when the person doesn’t live with you), this helps cover the legal costs. | Up to $2.5 million | $0 |
St.George credit card complimentary international travel insurance for death and funerals
| Benefit | An example of when you'd use this | Claim limit for people under 81 years old | Excess payment (per claim) |
|---|---|---|---|
| Accidental death | If you are injured overseas and die within 12 months because of that injury. Or if the plane or boat you’re travelling on disappears and you’re declared dead within 12 months. | Up to $150,000 with the following sub-limits:
| $0 |
| Funeral expenses | If you die overseas and there is a funeral or your remains need to be brought back to Australia. Note that only some causes of death are covered. | Unlimited (within reason) | $0 |
St.George complimentary international travel insurance and COVID-19
From 30 June 2022, St.George complimentary international travel insurance has select cover for COVID-19 and other known pandemics and epidemics. This includes for:
- Overseas emergency assistance
- Overseas emergency medical
- Medical evacuation and repatriation
- Cancellation
- Additional expenses
To make a claim, you need to be positively diagnosed with COVID-19 (or another pandemic/epidemic disease) and meet all the other requirements for a claim. It also applies if a travel companion is positively diagnosed. But it won’t apply if you’re travelling against government advice or if the mass media have published details of advice or warnings against travel.
As there are specific conditions to meet for this type of cover, make sure you read the amended policy booklet or call Allianz on 1800 091 790 before you travel.
What’s not covered?
Every insurance policy has details of when you will and won’t get cover. These details can be very specific, which is why it is important to always check your insurance policy documents.
To give you an idea, here are some of the key things you won’t be covered for with St.George credit card complimentary international travel insurance:
- Issues that come up because of alcohol or non-prescription drugs
- Travel that’s for the purpose of medical treatment
- If you’re a crew member or pilot of any of the transport
- If you’re over 81 or anyone relating to a claim is over 81
- Changes to your plans due to government restrictions
- If you or your partner gives birth during the trip, or there are complications arising after week 26 of the pregnancy
- Dangerous activities including rock climbing (with equipment), white water rafting, bungy jumping, off-piste snowboarding or skiing, and quad or motorbike riding on a vehicle that has an engine capacity of 200cc or more
Want cover for a skiing trip, bungy jumping or other overseas adventures? Check out adventure sport travel insurance costs and conditions.
What do I need to do to use St.George’s credit card international travel insurance?
At the moment, countries and regions around the world all have their own restrictions and guidelines around the coronavirus pandemic. These can change, so it’s worth checking where you can travel before booking anything.
Then, to get international travel insurance cover through your St.George credit card, you’ll need to meet the following requirements:
- Travel bookings. You need to use your St.George credit card to pay for at least $500 of your travel expenses before the start of the trip. An easy way to do this is to use your card to pay for your overseas flights or accommodation.
- Australian residency. You must live in Australia, and start and end your trip in Australia.
- Age. You’ll be covered if you’re under 81 years of age. If you’re over 81 and want overseas travel insurance, there are some policies you can buy that give you cover up to the age of 100.
Does St.George credit card travel insurance cover family members?
Yes, if you meet the eligibility requirements for cover on an upcoming trip, your spouse and dependants (i.e. your children) can get cover under this policy when they’re travelling with you for at least half of your trip and meet the following requirements:
- They need to live in Australia, and start and end their journey in Australia
- They need to have a return travel booking before they leave
- At least $500 of their travel costs need to be paid for with your St.George credit card before the start of the trip
- They need to be under 81 years of age at the time they become eligible for the insurance
They also need to meet the same age requirements and other conditions of the insurance policy.
Pre-existing medical conditions
This complimentary international travel insurance only covers a few pre-existing medical conditions, with very specific circumstances.
Here, we’ve summarised the key details for conditions that are covered. If you have any pre-existing conditions, you should also look at the insurance document for full details or call Allianz on 1800 091 710.
| Pre-existing medical condition | Conditions for cover |
|---|---|
| Acne | If you have not needed treatment by a medical adviser in the last 3 months. |
| Allergies | If you have not needed treatment by a medical adviser in the last 9 months and you don’t have asthma or any other known respiratory condition. |
| Asthma | If you have not needed treatment for it from a medical adviser in the past 12 months. |
| Cataracts and glaucoma | If you have no ongoing complications, have not had an operation for it in the last 2 months and are not on a waiting list for an operation. |
| Coeliac disease | If your condition has not required treatment by a medical adviser in the last 6 months. |
| Diabetes/glucose intolerance | If you were diagnosed more than 12 months ago and have not had any complications in the last 12 months. You also need to have a blood sugar level reading between between 4 and 12 or a You must also not currently be undergoing |
| Ear grommets | If you have no current infection. |
| Epilepsy | If there are no underlying medical conditions (e.g. previous head trauma, stroke) and you have not had a seizure that required treatment from a doctor or other medical adviser in the last 2 years. |
| Gastric reflux | If it does not relate to a gastric ulcer or other underlying diagnosis. |
| Gout | If it has remained stable for at least 9 months. |
| Hiatus hernia | If no surgery is planned. |
| Hip or knee replacement | If your surgery was performed more than 9 months ago and was within the last 10 years. |
| Hypertension (high blood pressure) | If you have no known heart conditions and your current blood pressure reading is lower than 165/95. |
| Pregnancy up to 26 weeks (including IVF) Note: The insurance policy document has different details for people who are pregnant before they get cover and who become pregnant after they get cover. You’ll be eligible either way (up to 26 weeks), but make sure you read the relevant details. | If there are no existing complications related to the pregnancy. |
🔥 Hot tip: The easiest way to find details in the insurance policy booklet is to open your digital copy and use the find tool (Ctrl+F or Cmd+F) to search for the terms (for example, “Pre-existing medical conditions”).
What if I don’t meet the requirements or have a different pre-existing condition?
In simple terms, you won’t get cover if you don’t meet the requirements for a pre-existing medical condition or if you have another pre-existing medical condition.
This means you won’t be able to make a related claim if you've previously seen a doctor or other qualified professional about a condition that ends up causing issues overseas. It's the same for any physical, medical, mental or dental condition that you’re aware of before you travel.
If you’re not sure whether your pre-existing medical condition will be covered, call Allianz on 1800 091 710 to check if you can get cover. You can also apply to get written confirmation from Allianz that a pre-existing medical condition is covered, although be aware that additional fees may apply.
Need cover for a pre-existing health condition? Check out travel insurance policies that offer cover for conditions including high blood pressure, high cholesterol and physical disabilities.
How to make a claim through your St.George credit card complimentary international travel insurance policy
Your first step should be to contact Allianz Global Assistance as soon as you think you might need to make a claim so that they can give you specific information.
You can do this by calling 1800 091 710 in Australia, or from overseas by calling the emergency assistance number: +61 7 3305 7468. You can also email cardclaims@allianz-assistance.com.au but may have to wait longer for a response.
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There are 2 main ways you can submit your claim:
| Online (recommended by Allianz) | Over the phone |
|---|---|
|
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You will hear back about your claim within 10 business days, according to the online claims website.
What to include in your claim
With insurance claims, it’s always good to include as much detail and supporting documentation as possible. It makes it easier for the insurer to look at the claim and your eligibility for a payout.
So when you're travelling overseas with this cover, try to get as much written or photo evidence as you can for any claim you need to make. This could include:
- A referral or letter from a doctor or other professional you see in relation to a claim
- Official medical reports
- Police reports
- Photos of damaged items
- Emails or letters from airlines that relate to a claim
- Receipts or other proof of purchase
When you fill in the online claim form, you’ll also be asked for some key personal details, including part of your St.George credit card number (to confirm you’re eligible for cover).
Use a travel wallet or online folder to keep all your important documents together. This could include your passport, itinerary, printed tickets, a copy of the St.George card insurance policy booklet – plus anything that could become supporting documentation for future claims.
Other types of St.George complimentary credit card travel insurance
Overseas transit accident insurance
- What is it? Cover for accidents that happen when you're travelling overseas on a plane, train, cruise ship, bus or other eligible vehicle. You also get cover for related accidents that happen when you're boarding or leaving the transport.
- When can I use it? If you have paid for the entire trip with your eligible St.George credit card before you leave. If your partner or dependants are travelling with you, they'll also get cover.
- Is there an excess cost? No, you don't need to pay an excess for any claims but there are limits to how much you can get paid out. For example, the loss of 1 hand or foot has a maximum benefit of $250,000.
Interstate flight inconvenience insurance
- What is it? Cover for specific issues that come up when you're travelling to a different state or territory in Australia. This can include costs relating to cancelled return flights, flight delays of 4 hours or more, delayed or lost luggage and funeral expenses.
- When can I use it? You’ll get cover for up to 14 days in a row if you have paid for the entire trip with your eligible St.George credit card. Your spouse and any dependants can also get cover when you have used your St.George card to pay for their travel and they will be with you for at least half the trip.
- Is there an excess cost? There is a $300 excess for claims that relate to cancellation or luggage (except for delayed luggage). There are no excess costs for other claims.
Rental vehicle excess in Australia insurance
- What is it? Cover for damage or theft of a car or other vehicle you have hired in Australia, up to a maximum of $5,500 (or less if the amount specified in your rental vehicle agreement is lower).
- When can I use it? If you have paid for the vehicle hire with your eligible St.George credit card and the vehicle hire agreement lists an excess cost.
- Is there an excess cost? There is a $300 excess for each claim, including when you submit more than 1 claim at a time.
How to make a claim under one of these policies
Call Allianz on 1800 091 710. You can also get a claim form online at https://travel.agaassistance.com.au/nacb2c/stgeorge/make-a-claim and email it to cardclaims@allianz-assistance.com.au.
St.George credit card complimentary insurance for shopping
St.George credit cards give you access to other types of insurance, which are also provided by Allianz. Below is a snapshot of the different types.
Purchase protection insurance
- What is it? Cover for the cost of a new item that is stolen, accidentally damaged or lost. It covers most household and personal items such as laptops, shoes, jewellery and glasses. Exclusions include second-hand items, perishables, cash, computer software, vehicles and items you’ve accidentally left in a hotel after checking out.
- When can I use it? If you use your eligible St.George credit card to pay for covered items, this insurance will apply for the first 4 months from when you get them. This cover is available for personal items bought anywhere in the world. If the item was a gift for someone else, that person needs to be a permanent Australian resident for the cover to apply.
- How can I make a claim? You need to show proof that you own the item and report the loss, theft or damage to the local police or relevant authorities (such as the office of a transport company). Ideally, you should get written confirmation of this report. Then, call Allianz on 1800 091 710 or submit your claim through the Allianz online claim portal.
- Is there an excess cost? An excess of $300 per claim applies. There are also maximum claim amounts, which vary depending on the item, with a yearly maximum of $135,000 for all claims.
Extended warranty insurance
- What is it? Cover that doubles the manufacturer's warranty for items bought in Australia, up to a maximum period of 12 months. For example, if you bought a laptop with a 12-month manufacturer's warranty and it stopped working for no reason after 12 months, you could make a claim under this cover.
- When can I use it? If you used your eligible St.George credit card to pay for an item worth up to $20,000 and it came with an Australian manufacturer’s warranty of between 6 months and 5 years. You can make a claim if something happens after the original warranty period has ended.
- How can I make a claim? Call Allianz on 1800 091 710 or submit your claim through the Allianz online claim portal at https://claims.agaassistance.com.au/.
- Is there an excess cost? An excess of $300 per claim applies. There are also maximum claim amounts, which vary depending on the item.
Don’t have complimentary insurance on your credit card yet? Compare St.George credit cards or check out other cards that offer insurance.
St.George business credit card complimentary insurance options
St.George business credit cards offer complimentary unauthorised transaction insurance to help protect you if an additional cardholder uses the account for something that's not allowed.
The St.George Amplify Business Card also offers complimentary overseas transit accident insurance if you have used it to pay for the entire overseas trip.
Want a credit card for your business? Compare a wide range of cards that offer insurance, rewards and other perks.
Frequently asked questions
Does St.George credit card international travel insurance cover coronavirus?
Yes, some cover is available for COVID-19 and other pandemics or epidemics, including for overseas emergency medical and cancellation claims. There are very specific conditions you need to meet to make a claim, so it’s important to read the complimentary insurance policy document or call Allianz on 1800 091 710.
If you want more details about COVID-19 travel insurance, Finder also has a whole guide covering questions about this pandemic and travel insurance.
Can I get proof of my cover?
Yes. If you’re going on a cruise or tour that requires proof of insurance, you can get a letter of eligibility online at http://www.checkyourcover.com.au/stgeorge.
Getting ready for your next trip now? Check out travel accessories that can make your life easier. Or, if you still need to book it all in, start comparing flights and hotels to find a great deal.
More resources on Finder
More guides on Finder
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St.George Vertigo Card – Cashback Offer
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St.George Amplify Qantas Platinum
New St.George Amplify Qantas Platinum cardholders can earn 50,000 bonus Qantas Points plus save with a first-year annual fee discount and complimentary insurance cover.
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St.George Amplify Qantas Signature Card
The St.George Amplify Qantas Signature Credit Card offers 80,000 bonus Qantas Points plus complimentary insurance covers.
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St.George Amplify Business
The St.George Amplify Business is suited to smaller businesses, offering expense tracking tools and a $0 first-year annual fee.
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St.George Corporate Mastercard
Designed especially for larger businesses, the St.George Corporate Mastercard offers unlimited cards for employees and a suite of finance management tools.
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St.George Amplify Signature Credit Card
The St.George Amplify Signature offers huge value to point-seekers, with a first-year annual fee discount and 150,000 points.
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St.George Amplify Platinum Credit Card
This platinum card offers bonus Amplify points, a discounted first-year annual fee and complimentary travel and purchase insurance.
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St.George No Annual Fee Credit Card – Review
As well as a $0 annual fee, the St.George No Annual Fee credit card offers a 24/7 security and the convenience of contactless payments.
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St.George BusinessVantage Visa
Get up to 99 additional cards for employees, detailed monthly statements and a competitive purchase rate with the St.George BusinessVantage Visa.
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St.George Vertigo Card
Offers a 0% p.a. introductory rate on balance transfers for 24 months (with a one-time 1% BT fee) and a competitive purchase rate.
Ask a question
I am about to go overseas for five weeks. Do I have to notify St George about my plans to be eligible for Vertigo Platinum Visa Insurance?
Hi Ian,
Thanks for reaching out to Finder.
You do not have to advise St.George Bank or Allianz (underwriter of the policy) that you will be travelling as you will be automatically covered, provided you are eligible for the cover and you adhere to the definitions, terms and conditions, exclusions and claims procedures of the policy.
I hope this helps.
Cheers,
Charisse
I am going skiing. Am I still covered for medical expenses if I get injured? I assume so as I cannot see skiing on the list of excluded activities. I’d like to double check though.
Hello Chris,
Thank you for your comment.
As a current St.George Bank cardholder, you automatically become eligible for complimentary Overseas travel insurance cover when you satisfy all the criteria listed on the St.George Credit Card Complimentary Insurance PDF.
You will be covered for medical expenses if you get injured overseas, provided the injury was accidentally caused by a sudden physical force during your journey. To verify this, please contact Allianz Global Assistance as they provide the policy.
Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.
Regards,
Jhezelyn
Hello,
I have 2 questions:
1. Is it correct that to be eligible for the insurance coverage, I only need to spend more than $500 of the prepaid travel expenses such as accommodation fee, even though I did not use this credit card for the flight ticket?
2. Is it correct that for the whole family of 4 people, $500 is for each person so that everyone can be covered?
Regards
Hi Kevin,
Thanks for your question.
Yes, that’s correct. To be eligible for the complimentary overseas travel insurance, you, your spouse and dependents should spend at least $500 each on prepaid travel costs and you charge these costs to your eligible St. George credit card. Examples of this prepaid travel cost are return overseas travel ticket, airport/departure taxes, prepaid overseas accommodation/travel and other prepaid overseas itinerary items.
Moreover, all of you must be 80 years or younger, permanent resident or holder of a 457 Visa and has a return overseas travel ticket before leaving Australia. You can refer to pages 28 and 29 of the complimentary travel insurance terms and conditions which I emailed to you directly.
I hope this helps.
Cheers,
Liezl
Hi,
I have a visa platinum st george credit card and would like to use my complimentary travel insurance. I will be travelling interstate instead of overseas so i am wondering if i still get complimentary travel insurance? Thank you
Hi Kylie,
Thanks for your question.
Unfortunately, the domestic cover included in the complimentary travel insurance attached to your St. George card are only for:
1. Domestic Pets Boarding and
2. Interstate flight inconvenience policy, which covers you for the cost of delays and loss of baggage when flying domestically.
All the rest of the insurance benefits are applicable for your international trips.
Cheers,
May