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STA Travel Insurance Review

Global student brand that is backed by Allianz? Find out more reasons to consider STA for your next trip.

STA Travel Insurance offers coverage options that allow you to enjoy your dream holiday with the peace of mind that you will be covered if something goes wrong. Here's why you should consider STA for your travels.

Why should I consider STA Travel Insurance?

  • Travel internationally and in Australia. STA's insurance policies offer protection against several potentially expensive travel risks for both overseas and domestic travel.
  • Designed for students. As most students usually travel on a pretty tight budget, STA's travel insurance offers affordable coverage as well as comprehensive policies.
  • Get cover for adventure activities. Cover is also included for a wide range of adventure activities that typically would not be covered under a regular travel insurance policy,

Compare STA Travel Insurance Policies

Brands Product Product Details Apply
STA Travel Insurance Comprehensive

Unlimited overseas medical expenses

Unlimited cancellation fee

$12,000 luggage and personal effects

Unlimited travel delay

Get quoteMore info
STA Travel Insurance Essentials

Unlimited overseas medical expenses

Unlimited cancellation fee cover

$6,000 luggage and personal effects cover

Unlimited travel delay cover

Get quoteMore info
STA Travel Insurance Basic

$10,000 overseas medical expenses

Unlimited cancellation fee

$3,000 luggage and personal effects

$10,000 travel delay

Get quoteMore info
STA Travel Insurance Cancellation and Luggage

$5,000 cancellation fee

$250 delayed luggage

$50,000 luggage and personal effects

Get quoteMore info
STA Travel Insurance Comprehensive Multi Trip

Unlimited overseas medical expenses

Unlimited cancellation fee

$12,000 luggage and personal effects

Unlimited travel delay

Get quoteMore info

Who is STA Travel Insurance underwritten by?

STA Travel Insurance partners with Allianz Global Assistance to offer its insurance to customers. Allianz is a respected company with a strong presence in Australia and around the world, while its customer service team can be contacted 24/7 from anywhere in the world.

Who is STA?

STA Travel is a leading global travel agent for students and young people. The company has a worldwide network of more than 450 stores across 75 countries. In Australia and New Zealand, STA boasts more than 60 stores to help student travellers book their dream holidays.

STA boasts an annual turnover in excess of USD$1.1 billion and last year helped more than two million people organise their travel arrangements. In this part of the world, STA started out as a small campus travel service looking to help out students back in the 1970s. It then quickly started growing to become the full service travel retailer it is today.

STA Travel prides itself on offer personalised service to its customers and helping them plan a travel itinerary that suits their needs. As a global company, STA has plenty of buying power when it comes to dealing with transport and accommodation providers, while it also offers great discounts and deals for students and younger travellers.

In addition to its range of travel booking services, STA also offers competitive travel insurance options to give financial protection to younger travellers.

How do STA Travel Insurance policies stack up side by side?

There are a number of different policy options available from STA Travel Insurance to choose from. Below is a comparison of the cover that they provide:

Benefit1. Comprehensive / Multi-Trip2. Standard Cover3. Cancellation and Luggage
Travel Services Provider Insolvency$10,000$10,000-
Overseas Medical and DentalUnlimitedUnlimited-
Additional ExpensesUnlimitedUnlimited-
Amendment or Cancellation CostsUnlimitedUnlimited$5,000
Luggage and Travel Documents$12,000$6,000$5,000
Delayed Luggage Allowance$1,000$750$250
Money$200$100-
Travel Delay$2,000$1,000-
Resumption of Trip$2,000$1,000-
Special Events$2,000$1,000-
Hospital Incidentals$8,000$3,500-
Hijacking$8,000$5,000-
Loss of Income$9,000$6,000-
Disability$25,000$20,000-
Accidental Death$25,000$20,000-
Personal Liability$2,500,000$2,500,000-
Medical and Dental Expenses in Australia---
Rental Vehicle Insurance ExcessOptionalOptional-

What are the the benefits offered by each type of policy?

1. STA Comprehensive

Available on single or annual multi trip

The comprehensive policy is STA's top-level travel insurance offering. It is designed to provide cover against an extensive range of travel risks so that you can travel with confidence and peace of mind.

  • Medical. The most crucial feature of this policy is unlimited cover for overseas medical and dental expenses this includes:
    • emergency medical assistance
    • ambulance transportation
    • hospital and medical costs
    • medical evacuation.
  • Additional expenses. Unlimited cover is also included for additional expenses, such as paying for a relative to travel to you when you are hospitalised overseas, and amendment cancellation costs is also included.
  • Insolvency. If the insolvency of a travel services provider leaves you out of pocket, you'll be reimbursed up to a total of $10,000.
  • Lost luggage or travel documents. If your luggage or travel documents are lost or stolen, the cost of repairing or replacing them as necessary will also be covered by your STA Comprehensive policy.
  • Delayed Luggage. Sometimes, travel delays and misplaced luggage can wreak havoc with your travel plans, which is why this policy includes a benefit payment if your trip is delayed for a certain period due to circumstances beyond your control. There's also an allowance to help you buy emergency clothing and toiletries when an airline misplaces your luggage.
  • Hospital allowance. You'll also receive cover for the theft of cash from your person, hospital incidentals, and the cost of resuming your trip after you or your travelling companion have been ill or injured.
  • Loss of income. STA Travel Insurance's Comprehensive policy also provides cover for loss of income if you are injured during your trip and unable to return to work, while benefit payments for disability and accidental death are offered as well.
  • Personal liability. Finally, you can take advantage of $2.5 million worth of personal liability cover and elect to take out optional protection against expensive car rental insurance excesses.

Get a quote for STA Comprehensive Travel Insurance

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2. STA Standard Cover

The Essentials policy from STA Travel Insurance is similar in many ways to the Comprehensive policy but with the difference that it offers a lower level of coverage. This means you can still have a broad range of protection in place but can enjoy a policy that is somewhat more affordable.

  • Medical. If you are injured or fall ill while overseas, you'll receive unlimited cover for hospital, surgical, nursing, ambulance and emergency dental expenses. Unlimited cover is also available for additional accommodation and travel expenses if you fall ill, lose your travel documents, or have your travel plans disrupted by a strike or natural disaster.
  • Cancellation. Sometimes, unforeseen circumstances such as losing your job can force you to cancel a trip which you have already booked and paid for. If this results in you being charged cancellation fees or losing any pre-paid deposits, you'll be reimbursed for the cost of all of these.
  • Personal liability. There is also $2.5 million of personal liability cover available and the option of taking out cover for rental vehicle insurance excess.
  • Luggage. This policy provides $6,000 of cover for luggage and travel documents (as opposed to $12,000 on a Comprehensive policy).
  • Delayed luggage. This policy provides $750 for delayed luggage allowance ($1,000 under Comprehensive).
  • Travel delay. This policy provides $1,000 for travel delay ($2,000 on Comprehensive).

Get a quote for STA Essentials Travel Insurance

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3. STA Cancellation and Luggage

Available on domestic, annual multi-trip and single trip

Sometimes travellers simply don't require cover for a whole lot of the risks which are usually included in a regular travel insurance policy. With this in mind, STA's Cancellation and Luggage Travel Insurance can help offer a basic level of protection at an affordable price.

  • The first area of cover under this policy is for cancellation fees and lost deposits. Sometimes, unexpected events and circumstances can force you to cancel a holiday which you have already booked and paid for in full. For example, you may be retrenched and be no longer able to afford your holiday, or you may need to stay at home to care for a sick relative. When this happens, you may be charged cancellation fees from travel providers or be unable to recoup any deposits you have paid. STA's Cancellation and Luggage policy provides $50,000 of cover for these expenses.
  • The second area of cover is for your luggage and travel documents. If your luggage, personal belongings or important travel documents are lost or stolen, STA offers $5,000 of cover to help pay for their repair or replacement.
  • Finally, the policy also provides a $250 delayed luggage allowance. In situations where an airline or other travel provider delays your luggage for more than a certain period of time, you'll receive funds to help you purchase emergence clothing, toiletries and other items.

Get a quote for STA Cancellation and Luggage Travel Insurance

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What am I not covered for?

You should always read the fine print of a travel insurance policy to determine when you will and will not be covered. Claims will not be paid if:

  • It is for costs or expenses that you incur before or after your period of insurance.
  • It arises because you commit an unlawful act or if you fail to be honest and disclose any information that could affect your claim.
  • You do not take all reasonable precautions to protect yourself and your property and avoid loss or damage.
  • It is for consequential loss of any kind, for example loss of enjoyment on your holiday.

View expanded list of exclusions

  • Your claim relates to a government authority withholding, detaining, confiscating or destroying anything of yours.
  • Your claim arises because of a government prohibition or regulation.
  • Your claim arises because of an act of war or rebellion.
  • Your claim arises due to a pre-existing medical condition of you or your travelling companion. However, this exclusion does not apply if STA has agreed to cover your pre-existing ailment and you have met any necessary conditions to qualify for cover.
  • Your claim relates to signs and symptoms you were aware of before taking out cover but that had not yet been diagnosed as any specific condition.
  • You travel against the advice of a medical practitioner.
  • Your claim relates to pregnancy, childbirth or related complications. However, this exclusion does not apply to single and uncomplicated pregnancies up to and including 23 weeks.
  • Your claim is connected with your depression, anxiety, stress or mental condition unless STA has agreed in writing to provide cover.
  • Your claim arises due to your suicide or attempted suicide.
  • Your claim is in any way connected with a sexually transmitted disease or virus.
  • Your claim arises because you were under the influence or effect of alcohol or drugs.
  • Your claim arises from complications following elective surgery.
  • Your claim arises because you or your travelling companion participate in professional sports or participate in any race.
  • Your claim is connected with you being in control of a motorcycle but not holding a valid motorcycle licence in the country in which you are riding.
  • Your claim arises because you fail to wear a helmet while riding a motorcycle, moped or scooter.
  • Your claim arises because of your participation in off-piste skiing or snowboarding.
  • Your claim is connected with your participation in hunting, hang gliding, BASE jumping, rock climbing or mountaineering.

Does STA cover pre-existing medical conditions?

This is how STA covers pre-existing medical conditions when you travel:

  • Pre-existing conditions that are covered. You are automatically covered for these conditions with no extra premium payable, unless you have been hospitalised the condition in the past 24 months.
  • Automatically excluded conditions. No hospital and medical expense cover for these conditions at all.
  • Conditions that are undiagnosed or pending specialist opinion. There is no cover for these types of conditions.
  • Everything else. You may be able to get cover, but you must declare your condition.

What conditions are automatically covered?

  • Acne
  • Asthma*
  • Bunions
  • Carpal tunnel syndrome
  • Coeliac disease (gluten intolerance)
  • Conjunctivitis
  • Dengue fever
  • Diabetes (Type 1 & 2)*
  • Ear Grommets*
  • Gout
  • High cholesterol*
  • High blood lipids*
  • Hypertension or high blood pressure*
  • Lipoma
  • Meniere's Disease
  • Rosacea
  • Sinusitis
  • Tinnitus
  • Allergies
  • Cataracts
  • Cleft Palate
  • Congenital Adrenal Hyperplasia
  • Congenital blindness
  • Congenital deafness
  • Dry eye syndrome
  • Dupuytren's Contracture
  • Eczema
  • Gastric reflux*
  • Glaucoma*
  • Hiatus hernia
  • Hormone replacement therapy
  • Hypothyroidism*
  • Macular Degeneration
  • Rhinitis
  • Single uncomplicated pregnancy* (Up to 23 weeks)

*These conditions are covered under specific rules set out by the policy. Read the policy for a full understanding of how these conditions can be covered.

Which pre-existing medical conditions are excluded completely?

  • Terminal illnesses
  • Conditions where you require oxygen therapy for the journey
  • Chronic renal failure that's treated by haemodialysis or peritoneal dialysis
  • AIDS defining illness or any treatment that causes you immunosuppression
  • You've had or are waiting for an organ transplant

How do I get cover for a pre-existing medical condition?

You'll need to get in contact with STA disclose your condition.

Some conditions to be aware of

  • You might have to supply additional documents such as medical reports.
  • You will also be subject to an additional premium
  • You might be subject to lower cover limits

Which pre-existing medical conditions are excluded completely?

  • terminal illnesses
  • conditions where you require oxygen therapy for the journey
  • chronic renal failure that's treated by haemodialysis or peritoneal dialysis
  • AIDS defining illness or any treatment that causes you immunosuppression
  • You've had or are waiting for an organ transplant

What if I can't get covered for my pre-existing medical condition?

You can still get a travel insurance to cover everything else including medical expenses if it doesn't relate to pre-existing medical condition.

How much excess will I pay if I need to make a claim?

The standard excess payable in claims is as follows:

PolicyExcess payable
Domestic cancellation25
International comprehensive and standard250
Annual multi-trip and single trip cancellation$0

How do make I claim?

If you're hospitalised make sure you contact Allianz as soon as possible

If you’re hospitalised while overseas or you expect that you will incur medical expenses, contact Allianz Global Assistance by phoning its 24-hour global assistance number.

When making a claim

If you need to make a claim, you’ll need to fill out a claim form (available online) and post it to Allianz Global Assistance. You may also be requested to provide additional information or documentation to support your claim, such as receipts, proof of ownership or police reports.

Why do I need to contact Allianz?

Allianz is the underwriter of STA's policies and handles STA's claims process

Some final questions you might have...

Questions about applying

What is the age limit for STA policies?

  • A. The maximum age for STA policies is 74 years of age.

Q. How can I choose the right travel insurance policy?

  • A. You’ll need to carefully consider your travel plans, your budget and the risks you may face while overseas to help you determine the level of cover you need. You can then compare a range of policies from different insurers to see how each stacks up against the competition.

Q. What factors will affect the cost of my insurance?

  • A. A wide range of factors can influence how much you will have to pay for your STA Travel Insurance premiums, including the plan you choose, your destination, your age, the excess you choose, how long your trip is, any optional extras you select and whether you require cover for a pre-existing condition.

Questions about coverage

Q. Is cover available for adventure activities?

  • A. Yes, STA Comprehensive Travel Insurance covers abseiling, hiking, bungee jumping, canoeing, cycling, deep sea fishing, jet boating, parasailing, quad biking, skiing, snowboarding and more. Examine the PDS for a full list of covered sports and any exclusions that may apply.

Q. Am I covered if a tour I have booked is cancelled due to insufficient numbers?

  • A. Yes, STA Comprehensive Travel Insurance will provide cover if this occurs.

Q. How can I get in touch with Allianz (the issuer of the insurance) when I need emergency assistance overseas?

A. Allianz Global Assistance operates a 24-hour global emergency assistance line. You can contact Allianz Global Assistance by phoning 1800 010 075 within Australia or phoning +61 7 3305 7499 from overseas and reversing the charges.

Q. What about if I’m planning multiple trips in the next 12 months?

  • A. Instead of a single policy you may wish to consider taking out annual multi-trip travel insurance. This policy will cover all the trips (to destinations greater than 250km from your home) you take across a 12-month period and is significantly cheaper than taking out a separate travel insurance policy for each trip.

Q. Are there any pre-existing conditions that STA will cover without requiring me to pay an additional premium?

  • A. Yes. These include asthma, carpal tunnel syndrome, cataracts, hayfever, congenital blindness and more. Read the PDS for a full list of conditions.

Q. How can I get cover for my pre-existing medical condition?

  • A. Contact your STA Travel adviser if you wish to obtain cover for a pre-existing medical condition.

Q. How much personal liability cover is included?

  • A. STA Comprehensive Travel insurance offers up to $2.5 million of personal liability cover.

Q. What happens if my luggage is lost or stolen?

  • A. STA offers new for old replacement of the relevant items.

Questions about cancelling and changes to policy

Q. I’m loving my holiday and want to extend my trip — can I extend my cover?

  • A. Yes, STA makes it possible for you to extend cover for up to 12 months. However, you will need to purchase a new policy from STA prior to your original one expiring.

Q. Does a cooling-off period apply to this travel insurance policy?

  • A. Yes. Once you’ve received your PDS and certificate of insurance you have 15 days to cancel your policy if you wish and you will receive a full refund of any premiums you have paid (provided you have not started your trip or made a claim).

Compare STA Travel Insurance policies

STA Travel Insurance offers a range of competitive policies to meet the needs of students and other young travellers. Policies are designed to offer high levels of coverage while at the same time being as affordable as possible, with a range of flexible inclusions to help you tailor a policy to suit your needs. When shopping for insurance, make sure to compare STA's offerings with a number of other products on the market to ensure that you end up with the best policy for your needs.

Compare STA Travel Insurance Policies and Receive a Quote

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6 Responses to STA Travel Insurance Review

  1. Default Gravatar
    kim6 | August 4, 2016

    I can’t find STA Travel insurance discount coupon for August 2016 on your site?

    • Staff
      Richard | August 9, 2016

      Hi Kim,

      Thanks for getting in touch. We don’t currently have an active coupon for STA Travel Insurance. To review the active coupons on the site, you might find this article useful.

      I hope this was helpful,
      Richard

  2. Default Gravatar
    Rob | March 22, 2016

    Hi,
    I’m not a student, but a retired teacher, can I buy a STA policy?
    Regards
    Rob

    • Staff
      Richard | March 23, 2016

      Hi Rob,

      Thanks for your question. Yes, STA offer policies to those under the age of 80.

      I hope this was helpful,
      Richard

  3. Default Gravatar
    Steven | June 29, 2015

    Hi STA,

    I’ve purchased the comprehensive travel insurance this month prior to travel. Unfortunately during my time in Amsterdam, my wallet, iPhone and camera was stolen from my back pack what am I covered for?

    • Staff
      Richard | June 29, 2015

      Hi Steven,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. If you would like to contact STA about making a claim, you can do so by following the link below:
      STA Travel Insurance

      I hope this was helpful,
      Richard

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