St George Travel Insurance

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What are the different cover options from St George Travel Insurance

St George offers six travel insurance plans to cover holidays to both international and domestic destinations. If you’re travelling to more than one destination, St George recommends choosing a plan for the destination that requires the highest amount of cover.

Super Plus

This is the premium plan offering worldwide cover and is the only option from St George covering travel to Japan, the United States and Canada. This plan is available as a singles or doubles option, providing cover for the following:

Super

Also available as a singles or doubles plan, the Super Plan option provides the minimum cover for destinations in the UK, Europe, South America, Russia, India, Africa and the Middle EaSt You are covered for the following:

Standard

If your travels take you to Bali or the rest of Asia, this plan provides the minimum cover for your destination. The Standard plan provides cover for:

Economy

If you’re not going any further than New Zealand, Norfolk Island or the South Pacific Islands, this plan covers you for:

Australian

Covering travel within Australia only, this plan does not provide for medical and dental expenses (the assumption is you already have private health insurance). It covers:

Cancellation

Available as a singles plan only, the Cancellation option provides up to $3,000 to cover cancellation costs for trips within Australia, and to Norfolk Island or the South Pacific Islands.

Benefits available on St George travel insurance policies

Some of the benefits available to you include:

• Unlimited medical assistance and hospital expenses overseas
• Cover for delayed, cancelled or rescheduled travel plans
• International emergency assistance
• Cover for lost or stolen luggage and travel documents
• Cooling-off period of 21 days in which you can decide whether or not keep the policy

Additional options available on St George travel insurance policies

St George travel insurance is tailored to cover unforeseen events and accidents while on holiday. The travel insurance plans also provide additional cover for the following:

• Car hire insurance excess. As long as you’re a licensed driver and can show that you hired the rental from a registered car hire company, St George travel insurance will cover up to $3,000 (on the Super Plus Plan) of insurance excess. If you are unable to return the hired car to the rental company, the insurance plan will cover the cost up to $500.
• Hijacking and mugging. If you’re a victim of hijacking or mugging during your travels, you’ll be covered for the time you spend as a detainee and/or in hospital.
• Pre-existing medical conditions. If your illness or condition is not automatically covered by the travel insurance policy, you can purchase additional cover to provide for unforeseen events arising from pre-existing medical conditions.

St George Travel Insurance Pre-existing medical conditions

If you or anyone insured on your travel plan suffers from a pre-existing medical or dental condition, that condition is not automatically covered by St George travel insurance. The same is true for any complications arising from this pre-existing medical condition.

Some conditions like asthma, epilepsy and pregnancy up to 24 weeks are automatically covered, but if your illness or condition is not covered, you’ll have to pay an additional premium to have it included in the insurance contract.

Making St George travel insurance claims

• Get in touch quickly. In the event of an accident or lost or stolen property, getting in touch with your insurance agent will ensure prompt assistance – as long as your information is correct and up to date. The local and international hotlines are operational 24 hours a day, seven days a week.
• Provide all relevant documentation. The documents required differ according to the nature of your claim. You’ll most likely be asked to submit:
  Police reports
  Medical reports and letters from doctors
  Original receipts
  Evidence of ownership like photographs and proof of purchase
• Be honest and cooperative. The more truthful and complete the information you provide, the speedier the claims process. False or incomplete statements will lead to unnecessary delays and the cancellation of your policy in the case of a fraudulent claim.