St George Travel Insurance

Our verdict: St George has a good range of add-on options, but if you want comprehensive COVID-19 cover, you might need to look elsewhere.

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By

Nicola Middlemiss

Updated

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Our Verdict

With a range of options and add-ons to choose from, St George makes it easy to customise your travel insurance policy to suit your specific needs.

Pros

  • St George offers a variety of customisations, including adding snow cover, adventure cover, cover for pre-existing medical conditions, and adjustment of benefit limits.
  • Rental car excess insurance is included as standard, up to $6,000

Cons

  • Covid for COVID-19 is quite limited. In most cases, you or your travelling companion would need to be diagnosed with COVID-19 to claim.
  • Cover for pregnancy stops at 24 weeks, but we found 11 brands that extend cover beyond this gestation period.

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What policies does St George offer?

St George offers five insurance policies to travellers. Comprehensive, Essentials, Domestic, Multi-Trip and Non-Medical.

The insurer of this product is Allianz Australia Insurance Limited. It comes with a cooling-off period of 14 days and choice of $200 standard excess for international plans.

St George Travel Insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

These are some of the main insured events that St George will cover. Some of these benefits may only apply on the International Comprehensive plan.

  • Overseas emergency assistance
  • Overseas medical treatment
  • Lost, damaged or stolen property
  • Trip cancellation or amendment
  • Additional accommodation and transport
  • Rental vehicle excess
  • Theft of money
  • Theft, loss or damage of travel documents
  • Luggage and travel delay
  • Emergency dental costs
  • Kidnap and hijack
  • Personal liability
  • Permanent disability
  • Accidental death

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Optional add-ons

St George also offers four add-ons that provide cover for a wider range of risks.

  • Adventure Pack. Provides cover for a wider range of riskier activities, including deep sea fishing, outdoor rock climbing and riding a motorbike with the appropriate licence.
  • Cruise Pack Extends your insurance policy to cover cruises and a range of cruise-specific risks such as marine rescue and cabin confinement.
  • Snow Pack.Extends your cover to include snow activities and covers snow-specific risks such as piste closure and avalanches. Only available to under 75s.
  • Increased Item Limits Cover.Increase the claims limit of specific items if you're travelling with more expensive belongings. .

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Exclusions

Unfortunately, travel insurance doesn't cover everything. Generally, St George will not pay your claim if it relates to:

  • Unlawful, wreckless or unreasonably unsafe behaviour by you
  • Behaviour while you were drunk or under the influence of drugs
  • Expenses related to a pre-existing medical condition not listed on your insurance document
  • An act of war, invasion or revolution
  • Insolvency of a travel agent, tour operator or accommodation provider
  • Mandatory quarantines or isolations
  • An act of war, invasion or revolution
  • IF you travel against medical advice
  • Childbirth or pregnancy complications from the 24th week of gestation or if you have had previous pregnancy complications
  • A multiple pregnancy or one where the conception was medically assisted
  • An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
  • Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the St George PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.

How to make a St George Travel Insurance claim

You can lodge a claim online via the St George Website or the AGA website.

Alternatively, you can email travelclaims@allianz-assistance.com.au or call AGA on 1800 812 133, Monday to Friday from 8am–7pm or Saturday from 8am–5pm (AEST).

Frequently asked questions

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Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 239 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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