St.George Credit Card Complimentary Travel Insurance

What you need to know to claim complimentary travel insurance with your St.George credit card

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Eligible St.George credit cards provide complimentary insurance cover for medical expenses, loss and damage of personal items, personal liability cover and more. This insurance is provided through Allianz, with different levels of cover applying based on whether you have a Level 1 or Level 2 St.George credit card. Signature card is Level 1 and everything else is Level 2. Find out more about the terms and conditions of the St.George credit card complimentary travel insurance below.

Which cards offer complimentary travel insurance?

These St.George credit cards offer complimentary international travel insurance as well as other purchase insurances:

Compare St.George credit cards here

What are the eligibility requirements?

You need to meet the following conditions to get St.George credit card complimentary insurance:

  • Age. You must be 80 years or younger.
  • Residency status. You must be a permanent resident or holder of a 457 Visa.
  • Travel booking. You must charge at least $500 of your prepaid travel expenses to your eligible St.George credit card and you must hold a return ticket to Australia.

Allianz provide cover for trips of up to six months for St.George Amplify Signature customers, while Amplify Platinum cardholders are eligible for cover on trips of up to three months in length only. There is no automatic cover for pre-existing medical conditions, but you can apply for additional cover before you leave. Just be aware that extra fees may also be applied.

How do I know if I’m covered and what I’m covered for?

Providing you meet the eligibility requirements, your cover starts from when you leave your home to go to the airport or transit hub and is based on your travel ticket departure date. St.George and Allianz extend the complimentary insurance to your spouse and your dependent children if they meet these eligibility requirements:

  • Your spouse and dependent(s) are travelling with you (the primary cardholder) for the entire length of the journey.
  • Your spouse and dependent(s) have also charged at least $500 of their prepaid travel expenses to the eligible St.George credit card as well.
  • Your spouse and dependent(s) hold a return ticket to Australia.

How do I make a claim?

In AustraliaOverseas
Contact Allianz by calling 1800 227 773 (Monday to Friday 8AM - 8PM AEST) within 30 days or as soon as possible of returning to AustraliaTo make a claim overseas call +61 7 3305 7468 International charges apply

What information do I need to give the insurer?

You may be asked to send in copies of the following documents if you want to make a claim.

  • Proof of eligibility for cover, such as a credit card statement and receipt of purchase of prepaid travel expenses
  • A copy of the police report if you’re claiming for a lost or stolen items overseas
  • Proof that you own the lost, stolen or damaged item
  • A confirmation letter showing how your travel plans were disrupted
  • A quote for repair or replacement of lost or stolen items

Not all document requirements may be relevant to your insurance claim. Allianz will advise you of specific requirements based on your circumstances and the claim type, so make sure you contact them as soon as you can after the incident.

Is there an excess?

In most cases, you’re required to pay the first $250 of each claim you make under this insurance policy. No excess applies if you’re making a claim under benefit two of the policy (loss and damage of personal property). If you’re making more than one claim, the excess only applies once.

What insurances am I covered under?

This table outlines the different benefits and levels of cover available.

BenefitCover level (Up to) for Level 1 cardsCover level (Up to) for Level 2 cards
Medical and hospitalUnlimited

Bed care allowance capped at $15,000 per day


Bed care allowance capped at $15,000 per day

Loss and damage of personal property$20,000 per person
$30,000 per family
$15,000 per person

$20,000 per family

Cancellation of travel expensesUnlimited cover with exceptions on travel agent fees (limited to the lesser of $500 or 15%)Unlimited cover with exceptions on travel agent fees (limited to the lesser of $500 or 15%)
Continuation of journey if a relative dies$5,750 per person

$12,500 for a family

$5,250 per person

$12,500 for a family

Special event$3,750$3,250
Rental vehicle excess$5,500$5,000
Travel delayAfter more than a 6-hour delay, $500 per person capped at $1,100 for a familyAfter more than a 6-hour delay, $500 per person capped at $1,100 for a family
Funeral expensesUnlimitedUnlimited
Accidental death$50,000 per cardholder

$25,000 for a spouse or dependent child

$150,000 maximum per family

$25,000 per cardholder

$25,000 for a spouse or dependent child

$75,000 per family

Legal liabilityUp to $2,500,000Up to $2,500,000
Loss of income$1,000 per person per week up to $12,000 maximum$750 per person per week up to $9,000 maximum
Flights for domestic petsUp to $500 and a maximum of $50 per 24-hour periodUp to $500 and a maximum of $50 per 24-hour period
Hospitalisation resulting from assaultUp to $500Up to $500
Hijack and detentionUp to $20,000 for a family, $250 per person for a 24-hour periodUp to $20,000 for a family, $250 per person for a 24-hour period
Kidnapping and ransomUp to $100,000Up to $100,000
  • Overseas medical and dental
    • Medical. You’re covered if you become sick or get injured overseas. St.George and Allianz reserve the right to fly you back to Australia if your treatment requires, and Medicare will cover you in Australia. If you choose to stay overseas in this instance, you’ll have to pay for your own medical bill. No cover is given for illness resulting from alcohol and drug use, sexually transmitted infections or pre-existing medical conditions.
    • Dental. Allianz and St.George will cover dental emergencies to relieve severe pain to natural healthy teeth only (not ongoing dental treatment). You’re required to provide a letter from a medical professional as proof of why you needed the treatment.
  • Theft, loss and damage to personal items. These items are covered:
ItemLimit for Level 1 cardsLimit for Level 2 cards
Baggage, clothing and personal valuables$5,000 per item$3,500 per item
Portable electrical equipment and binoculars$5,000 per item$3,500 per item
Camera and camera equipment (not including scratched lenses)$5,500 per item$3,500 per item
Laptop computers and laptop equipment$5,500 per itemNot specified
Travel documents, traveller’s cheques, bank notes, credit cards and so on$550 per person$1,250 per family$550 per person$1,250 per family

There is no cover for personal items left unattended in a public place, or those that are misplaced or forgotten. If something is stolen, you’re required to show ownership of the item when you make a claim. If you can’t provide this proof, the insurer will only pay 10% of the limit for that type of item.

  • Personal legal liability. This benefit protects you from paying compensation in case you cause harm to another person or another person’s property.
  • Rental vehicle excess cover. This covers you for the excess you may have to pay if you damage a rental vehicle.
  • Cancellation or travel plans and cover for unexpected costs. This benefit reimburses you for unexpected cancellation of travel plans due to one of the following events: natural disaster, if something happens to your travelling companion, or if you become ill after purchasing your ticket but before leaving the country.

Other types of insurance

  • Purchase security insurance. Up to four months complimentary insurance for purchases made with an eligible St.George credit card protecting against theft, loss or damage.
  • Extended warranty insurance. This cover is for purchases made in Australia and extends the Australian manufacturer’s warranty up to a period of 12 months.
  • Price guarantee cover. This benefit refunds you the difference in price if you buy something with your credit card and then see it advertised elsewhere for cheaper.
  • Interstate flight inconvenience policy. This covers you for the cost of delays and loss of baggage when flying domestically.

A St.George credit card can provide you with complimentary international travel insurance to protect you and your family when you’re on holiday. However, you may find that a stand-alone travel insurance policy is better suited to your needs. For example, winter activities and other physical recreational sports may not be covered by this policy. St.George offers stand-alone insurance policies, and you can also compare other international travel insurance policies that may be suited to your needs. If you have any questions about your St.George credit card insurance, contact Allianz on 1800 227 773 for more information.

Frequently asked questions

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10 Responses

    Default Gravatar
    RaySeptember 4, 2019

    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.

      Default Gravatar
      NikkiSeptember 5, 2019

      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,

    Default Gravatar
    IanApril 22, 2019

    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?

      Avatarfinder Customer Care
      CharisseApril 23, 2019Staff

      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.


    Default Gravatar
    ChrisJanuary 4, 2019

    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.

      Avatarfinder Customer Care
      JhezJanuary 5, 2019Staff

      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.


    Default Gravatar
    KevinJune 5, 2017


    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?


      Default Gravatar
      LiezlJune 5, 2017

      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.


    Default Gravatar
    KylieDecember 1, 2016


    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

      Avatarfinder Customer Care
      MayDecember 1, 2016Staff

      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.


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