Cover for pregnancy is automatically included up to the 24th week and can be extended if you have medical clearance from a doctor.
Specific benefits are included for victims of domestic violence and parents, including counselling service and childcare fees.
Cons
Although many adventure activities are included as standard, it’s not possible to add activities such as outdoor rock climbing with equipment, parachuting, or any professional sports.
There’s no option to add pre-existing medical conditions beyond those that are already named in the policy, which could leave some travellers at risk.
Some of these benefits are only available if you do not remove or adjust any benefits covered as standard when requesting a quote online. Check the PDS and certificate of insurance.
Stella also offers optional add-ons that provide cover for a wider range of risks. Generally, these will cost more but they do strengthen your policy.
Winter sports. Extends your policy to cover you if you’re heading to the slopes, plus some snow-specific risks such as piste closure
Rental vehicle excess. Provides cover toward your comprehensive motor insurance excess if your rental vehicle is damaged or stolen
Motorcycle or moped riding.Provides cover if you ride a moped or motorcycle, either as a passenger or rider. You must meet specific conditions.
Cruise cover. Extends your insurance policy to cover to cover cruises and somecruise-specific risks including cabin confinement.
Pet boarding.
Up to $200 per day, to a maximum of $1,400 if you’re delayed and need to extend your pet boarding arrangements.
Increased luggage item limits. If you're travelling with expensive items (PDS), you can increase your luggage cover up to $2,000 per item or $10,000 in total.
Increased trip cancellation and interruption limits. Increase the amount covered up to a maximum of $40,000.
Exclusions
Unfortunately, insurance policies don’t cover everything. Generally, Stella will not pay your claim if it relates to:
Unlawful, reckless or unreasonably unsafe behaviour by you
Behaviour while you were drunk or under the influence of drugs
You being unfit to travel or travelling against medical advice
Childbirth or pregnancy complications after the 24th week of gestation (or 19th week if it’s a multiple birth) unless you have a medical clearance from a doctor
Pre-existing medical conditions not listed as covered on the policy
This is not a full list of exclusions. Make sure you review Stella’s PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.
How to make a Stella Travel Insurance claim
You can start your travel insurance claim online, at Stella’s website. Once you have filled in some key details, Stella’s claims team will get in touch with any additional information required.
You can also use Stella’s live chat function or call 1300 633 811 from Australia, or +61 2 7202 0824 if you’re overseas.
The general phone line is open from 9am to 5.30pm (Local Sydney Time), Monday to Friday. However, for emergencies, Stella has a 24/7 service. You can also email at hello@stellainsurance.com.au.
Here's the bottom line about Stella Travel Insurance
Stella Travel Insurance is highly-customisable, so it can be tailored to suit a wide range of different travellers, trips and situations.
There are also some unique benefits within Stella’s policy, including extended cover for pregnancy complications if you have medical clearance from a doctor, and specific benefits for victims of domestic violence.
However, even when adding all possible benefits, it’s not necessarily the most comprehensive policy on the market. The maximum amount claimable per item is $2,000 which could leave some travellers exposed - particularly in terms of jewellery or technology.
Although Stella’s brand is aimed at women, men and non-binary travellers can also get insurance through Stella.
Yes. You must be between 18 and 99 to buy a Stella travel insurance policy. .
You can call Stella on 1300 633 811 from Australia, or +61 2 7202 0824 if you’re overseas. The general phone line is open from 9am to 5.30pm (Local Sydney Time), Monday to Friday. However, for emergencies, Stella has a 24/7 service.
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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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