SGIO Travel Insurance offer single or multi-trip travel insurance policies and is backed by 24-hour emergency assistance. SGIO Travel Insurance policies protect you against a wide range of travel risks, including overseas medical expenses, amendment and cancellation costs, lost and stolen luggage, travel delay and personal liability.
SGIO travel insurance is not currently available via finder. You can visit their website at www.sgio.com.au for more information or compare alternative options available below.
The insurer of this product is Zurich Australian Insurance Limited (ZAIL).
SGIO travel insurance policies
International travel insurance
International Comprehensive Plan (Single Trip)
Designed to offer complete peace of mind for overseas travellers, this policy provides:
Unlimited cover for overseas medical expenses
$8,000 of cover for hospital incidentals
$25,000 disability benefit
Choice of benefit for amendment and cancellation costs
Cover for travel and luggage delay
Resumption of journey
Cover for luggage and personal effects
Cover for theft of money
Cover for personal liability
Cover for travel documents
Cover for rental vehicle insurance excess
Cover for accidental death
International Comprehensive Plan (Annual Multi-Trip)
This policy offers the same cover as the International Comprehensive Plan, but it also offers year-round cover for any trips you take that are more than 250km from home. You can choose from a maximum individual trip duration of 30, 45 or 60 days.
International Essentials Plan (Single Trip) Designed for people who want more affordable travel insurance, the International Essentials Single Trip Plan offers:
$10 million overseas medical cover
$1,000 for hospital incidentals
Nominated amendment and cancellation benefit
Cover for luggage delays
Cover for lost or stolen luggage
Personal liability cover
Cover for additional expenses
Cover for travel documents
Cover for hijacking
Cover for accidental death
Cover for rental vehicle excess cover (additional option)
Domestic travel insurance
Domestic Comprehensive Plan (Single Trip)
If you’re taking a trip within Australia, this policy offers:
$2,000 of travel delay cover
Unlimited protection against amendment and cancellation expenses
$10,000 disability benefit
$8,000 of luggage and personal effects cover
$5 million personal liability cover
Cover for loss of income
Cover for additional expenses
Cover for accidental death
Cover for rental car insurance excess
Domestic Comprehensive Plan (Annual Multi-Trip)
This policy offers the same cover as the Domestic Comprehensive Single Trip Plan, but it also protects you on all the trips you take across a 12-month period. You can choose from maximum trip durations of 15 or 30 days.
Domestic Cancellation Plan
An option for the budget-conscious traveller, the Domestic Cancellation Plan covers:
Amendment and cancellation costs and additional expenses. For both benefits, you can choose a cover amount of $200, $400, $600, $800 or $1,500.
Benefits available on SGIO travel insurance policies
Overseas medical and dental expenses. This benefit provides cover for the cost of your medical treatment overseas, including ambulance transportation and hospital accommodation.
Additional expenses. If you or your travelling companion suffers an injury, sickness or disease on your journey, this benefit covers the additional accommodation and transport expenses you or your travelling companion incurs to stay by the other’s bedside. This benefit also offers cover if you die, if your relative or business partner becomes sick, if your home is destroyed and in a range of other scenarios.
Amendment or cancellation costs. You’ll be covered for the cost of changing or cancelling your pre-arranged travel plans when unforeseen circumstances, such as the death of a relative, force you to do so.
Luggage and personal effects. This benefit provides cover when your luggage and personal belongings are lost, stolen or damaged.
Travel documents. You’ll be covered for the cost of replacing lost or stolen travel documents or credit cards.
Delayed luggage allowance. This benefit is paid when all your luggage is delayed by a transport provider for more than 24 hours. The funds can be used to buy essential items such as clothing and toiletries.
Money. Available on the International Comprehensive Plan, this benefit provides cover when cash, bank notes or money orders are accidentally lost or stolen from your person.
Rental car insurance excess. If your rental vehicle is damaged or stolen, this benefit covers the cost of your rental company’s insurance excess.
Travel delay. You’ll receive a benefit when your transport is delayed due to circumstances beyond your control.
Resumption of journey. If you need to abandon your trip due to circumstances beyond your control, such as the death of a relative, this benefit covers the cost of resuming your journey.
Special events. If your pre-booked transport is delayed and you need to make alternative transport arrangements in order to get to a special event on time, such as a wedding, this benefit covers the cost of the additional travel expenses you incur.
Hospital incidentals. This benefit covers costs such as TV rental, magazines and phone calls during your stay in hospital overseas.
Hijacking. This benefit provides financial assistance if the method of transport you are using is hijacked.
Loss of income. You will be reimbursed for loss of income if you are injured on your trip and unable to return to work when you arrive back in Australia.
Disability. If you become totally and permanently disabled as the result of an accident on your trip, you’ll be entitled to a lump-sum benefit.
Accidental death. Your beneficiaries receive a lump-sum benefit if you die as the result of an accident on your trip.
Personal liability. This benefit offers cover when you cause property damage or injury to a third party.
Additional options available from SGIO
Specified luggage and personal effects. Sub-limits apply to the cover available for valuable items you take with you on your journey. For example, up to $4,000 of cover is available for cameras and video cameras under an International Comprehensive Plan. You can increase the limit for any item by $1,000 if you pay an additional premium.
Choose your level of cancellation cover. The International Comprehensive Plan and International Essentials Plan allow you to choose your level of cover for amendment and cancellation costs: unlimited, $6,000 or $3,000.
Choose your excess. The International Comprehensive Plan and International Essentials Plan allow you to choose your excess. The higher the excess, the cheaper your premiums.
Rental car insurance excess cover. While this benefit is automatically included on the International Comprehensive Plan and Domestic Comprehensive Plan, it is not included on the International Essentials Plan. You can pay an additional premium to increase your level of cover by $1,000 on the first two policies or to add this benefit to the latter policy.
Pre-existing medical conditions
SGIO Travel Insurance does not automatically cover claims arising from pregnancy or a range of existing medical conditions. However, if you’re happy to answer a few brief questions, you can apply to have your condition included in your policy. This can be done online or you can phone SGIO Travel Insurance directly.
Some conditions are automatically covered including acne, allergies, asthma, diabetes, epilepsy and hypertension. However, there are conditions that aren’t covered including:
Conditions involving the back or neck
Drug or alcohol addiction
Any condition for which you are travelling to seek medical treatment or review
If you are travelling against the advice of a medical practitioner
Any condition for which you are currently awaiting surgery, treatment or investigation
SGIO travel insurance claims
There are two options to choose from when you need to make a claim on your SGIO Travel Insurance policy.
Submit your claim online. Visit the SGIO Travel Insurance website and follow the links to the online claims system. This is the fastest way to get your claim processed and you can upload receipts and supporting documentation.
Complete and post a claim form. The second option is to download and complete a claim form from the SGIO Travel Insurance website. You can then post the form along with receipts and supporting documents to the following address:
SGIO Travel Insurance
c/o Cover-More Claims Department
Private Bag 913
North Sydney NSW 2059
It’s worth pointing out that the supporting documentation you need to provide varies according to the type of claim you make. For example, you’ll need to provide a copy of a police report if you’re the victim of theft, or you’ll need to contact SGIO’s 24-hour assistance team if you are admitted to hospital and you expect your expenses to exceed $1,000.
SGIO will contact you within 10 days of receiving your claim.
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