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).
| 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.
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.
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
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:
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.
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:
Want cover for a skiing trip, bungy jumping or other overseas adventures? Check out adventure sport travel insurance costs and conditions.
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:
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 also need to meet the same age requirements and other conditions of the insurance policy.
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”).
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.
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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| 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.
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:
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).
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 cards give you access to other types of insurance, which are also provided by Allianz. Below is a snapshot of the different types.
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 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.
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.
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.
This card offers a low ongoing purchase interest rate and up to $500 cashback offer.
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.
The St.George Amplify Qantas Signature Credit Card offers 80,000 bonus Qantas Points plus complimentary insurance covers.
The St.George Amplify Business is suited to smaller businesses, offering expense tracking tools and a $0 first-year annual fee.
Designed especially for larger businesses, the St.George Corporate Mastercard offers unlimited cards for employees and a suite of finance management tools.
The St.George Amplify Signature offers huge value to point-seekers, with a first-year annual fee discount and 150,000 points.
This platinum card offers bonus Amplify points, a discounted first-year annual fee and complimentary travel and purchase insurance.
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.
Get up to 99 additional cards for employees, detailed monthly statements and a competitive purchase rate with the St.George BusinessVantage Visa.
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.
Does my Vertigo Platinum complimentary travel insurance cover my husband and I if we have a 21-day mediterranean cruise included in our Europe trip, also we are taking our 19-year-old granddaughter with us can we include her in our policy as a dependent?
Hi Lynn,
Usually an insurance policy through your credit card covers you and your travelling spouse, but may not cover any dependants. It would be worth contacting them to see if there is an option to add your granddaughter.
Their terms and conditions don’t specify whether their cover provides coverage for a cruise. You can contact them for clarification on 1800 091 710.
Does visa platinum complimentary travel insurance cover south pacific cruise?
Hi Daniela,
If you’re going on a cruise or tour that requires proof of insurance, you can check your eligibility and cover online at http://www.checkyourcover.com.au/stgeorge. I hope this helps.
I have Advantage Platinum Visa card from St George, amI intitled to complementary travel insurance to travel to USA
Hi Nada,
Yes, the St.George Platinum Advantage Credit Card offers complimentary international travel insurance for up to 3 months as it’s listed as a Level 2 card on the St.George website. To get cover, you’ll need to use your St.George credit card to pay for at least $500 of travel before you leave, have a return booking Australia and live in Australia, and be under 81 years of age. This guide has an overview of the cover but it’s important to read the insurance policy document for full details. Or call the insurance provider, Allianz Global Assistance, on 1800 091 710. I hope that helps.
Because I am stay overseas 7 months and I have with my amplify card 3 months can I pay for the 4 months..
Hi Georgia,
According to the current St.George Credit Cards Complimentary Insurance policy information booklet (pdf), you can’t extend this cover period. If you have questions about it, you can call Allianz on 1800 091 710.
Alternatively, you can compare other travel insurance policies on Finder to see if one fits with your travel plans. I hope that helps.
The current terms and conditions of the St George travel insurance dated Oct 2018 notes that not all cards have all the insurance cover and that each must be checked for each benefit. Overseas travel for instance does NOT include the Amplify Platinum. It was in the previous version dated 2015. The insurer says it does cover as a Level 2 card. St George says it is a Level 2 card in its card ads. But its policy doc does not include it. How to fix? I have contacted St George and Alliance to no effect.
Hi Ray,
Thanks for your message. Sorry to hear there is confusion on which terms and conditions to follow for the St. George complimentary insurance. I wish I could help you out however, while we review St. George in our pages, it’s helpful to know that we neither work with them or answer for their company. It would be best to contact the customer service support of Allianz directly for further assistance.
Hope this clarifies and we hope they find a quick resolution for you!
With care,
Nikki