Finder makes money from featured partners, but editorial opinions are our own.

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.


  • 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


  • 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.
St George Travel Insurance is not currently available via Finder. You can head to the St George website or compare alternative options available below.

Compare other options

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




Australian Map Icon






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

Check icon

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

plus icon

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. .

cross icon


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 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

Request travel insurance quotes and compare policies

Add kids under the age of 1 by typing a “0” 0 traveller(s)

By submitting this form, you agree to our Privacy & Cookies Policy and Terms of Service

More guides on Finder

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site