St George policies offer various customisations including snow and adventure cover.
COVID-19 cover is limited; it generally applies only if you are diagnosed.
Pregnancy cover stops at 24 weeks, but 11 other brands extend this cover.
Our Verdict
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.
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
Cover 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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What policies does St George offer?
St George offers five insurance policies to travellers. Comprehensive, Essentials, Domestic, Multi-Trip and 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.
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
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. .
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
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).
Frequently asked questions
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.
You can call the St George customer support line on 1800 812 133, weekdays from 8am to 7pm AEST or on Saturday from 8am to 5pm AEST.
No, you do not have to be an existing St George customer to take out a travel insurance policy.
St George's Comprehensive, Domestic and Non-Medical Plans are available to travellers of all ages. However, its Essentials Plan and Multi-Trip Plan are only available to travellers under 75.
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Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards.
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