Stella Travel Insurance

Our verdict: Stella Travel Insurance offers easily customisable cover, allowing travellers to create a policy that works for them.

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Nicola Middlemiss

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Key takeaways

  • Stella offers highly customisable travel insurance allowing you to tailor cover to your specific trip needs.
  • Be aware Stella does not cover all adventure sports like rock climbing or pre-existing medical conditions not listed.

Pros

  • 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.

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Summary of Stella Travel Insurance Comprehensive policy

Overseas Medical and Hospital ExpensesYes
Cancellation and Amendment Fees$15,000
Luggage and Personal Effects$10,000
Maximum Age Limit99

Table updated March 2025

How does Stella Travel Insurance cover COVID-19?

Stella offers some cover for COVID-19, depending on the specific options you add to your policy. Here’s what you can expect -

  • Overseas medical expenses linked to COVID-19

    • If you add the trip cancellation and interruption add-on to your policy, you will also be covered for costs if you or your travelling companion are:

  • Diagnosed with COVID-19 in Australia within 14 days of your departure date and can no longer travel
  • Diagnosed with COVID-19 while on your trip
  • Contacted by a local public health authority and directed into quarantine.
  • Deemed an essential health care worker under applicable COVID-19 rules and your leave is cancelled by your employer due to COVID-19.

If you need more comprehensive COVID-19 cover, we've compared all the providers that offer cover for COVID-19.

What policies does Stella offer?

Stella offers two travel insurance policies, international and domestic, each with its own PDS. This review covers the international policy, which is highly customisable, allowing travellers to tailor cover to suit their trip.

Elements that can be customised include:

  • Excess amount
  • Add or remove trip cancellation and interruption
  • Adjust benefit amount of trip cancellation and interruption
  • Add or remove travel delay benefit
  • Add or remove personal accident cover
  • Add or remove personal liability cover
  • Add or remove luggage and personal effects
  • Adjust benefit amount for luggage and personal effects
  • Add or remove cover for pet boarding
  • Add cover for snow sports, cruising holidays, or motorcycle and moped riding

The insurer of this product is Pacific International Insurance Pty Ltd. It comes with a cooling-off period of 21 days.

Here's a breakdown of Stella Travel Insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

These are some of the main insured events that Stella will cover.

Under the current PDS, trip cancellation and interruption, luggage and personal effects, travel delay, personal liability and personal accident (accidental death or permanent disability) are optional covers you choose when you get a quote, so they only apply if they're shown on your certificate of insurance. Check the PDS for full details.

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Optional add-ons

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 cruises and
    some cruise-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.

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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
  • An act of war, invasion or revolution
  • Insolvency of a travel agent, tour operator or accommodation provider
  • 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
  • An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
  • 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.

If you're still not sure about Stella Travel Insurance, you can compare other travel insurance companies here.

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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. See full bio

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Nicola has written 170 Finder guides across topics including:
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