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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.

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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Summary of St George International Comprehensive policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesCover chosen
Luggage and Personal Effects$10,000
Maximum Age LimitNo age limit (120 on quote engine)

Table updated September 2023

How does St George Travel Insurance cover COVID-19?

St George offers some cover for expenses related to COVID-19, but it's not the strongest in the market. Here's what you can expect:

  • Overseas emergency assistance, medical care and hospital expenses if you're diagnosed with COVID-19.
  • Cancellation or amendment costs if you or your travelling companion are diagnosed with COVID-19.
  • Additional expenses if you or a travelling companion are diagnosed with COVID-19.
  • Costs to return home if you are given medical advice that you should do so.
  • Costs to return home if a relative or business partner is hospitalised or dies due to COVID-19.

There are some scenarios that are not covered by St George including costs incurred as a result of mandatory quarantine or isolation, border closures or government travel bans.

Also, if you were diagnosed with COVID-19 before heading on your trip but you went anyway, you won't be covered for any COVID-related overseas medical expenses.

What policies does St George offer?

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

Travel plane luggage passport

Comprehensive

Passport

Essentials

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Domestic

Hiking

Multi-Trip

Map

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.

Here's a breakdown of St George Travel Insurance features

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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).

Here's the bottom line about St George Travel Insurance

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.

However, cover for expenses related to COVID-19 isn't as strong as it could be. If you're keen to get comprehensive cover for a wide range of scenarios related to COVID-19, you probably want to consider a different brand.

If you're still not sure about St George, you can compare other travel insurance companies here.

Frequently asked questions

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