Student Flights Travel Insurance: Compare policies and apply online
If you're planning on spending your uni holidays overseas you should consider the affordable policies offered by Student Flights Travel Insurance
As the name suggests, Student Flights Travel Insurance caters for the younger traveller and also the young at heart, offering comprehensive cover whether you’re travelling on a budget or on a grand tour.
Student Flights Travel Insurance is underwritten by Great Lakes Australia, which is part of the Munich Re Group, one of the largest insurance groups in the world and is administered by Cover-More Insurance Services. STAs travel insurance partner Allianz Global Assistance, is easily contactable 24/7 and can provide support no matter where you are in the world.
This review will provide an overview of the different travel insurance options available from STA.
Student Flights travel insurance is not currently available via finder. You can visit their website at www.studentflights.com.au for more information or compare alternative options available below.
Student Flights Travel Insurance policy inclusions and options
Student Flights Travel Insurance plans offer a lot of flexibility, with some unexpected inclusions and a range of additional options available. Some inclusions you would not expect to find in a normal policy include:
Automatic cover for adventure activities such as abseiling, ballooning, bungee jumping, jet boating, jet skiing, parasailing, skydiving, snorkelling and white water rafting (conditions apply. See policy for details)
Coverage for working holidays
Coverage for motorcycle and moped riding, providing the motorcycle is 200cc or less, you are wearing a helmet, you are not racing and you hold a valid licence
As well as some unexpected inclusions, Student Flights Travel Insurance plans give you the following additional options:
To select single trip or annual multi-trip cover
To choose the level of excess you pay on claims
To select the amount of cancellation cover you require
To extend your journey by purchasing an additional policy overseas
To purchase additional cover for skiing, snowboarding or snowmobiling during your journey.
Student Flights Travel Insurance treatment of pre-existing medical conditions
All travel insurance policies include restrictions relating to pre-existing medical conditions. With Student Flights Travel Insurance plans, there are three categories of medical conditions:
Conditions that are automatically covered for free
Conditions that cannot be covered
Conditions that need to be assessed.
A pre-existing medical condition is any physical condition, illness or disease for which treatment has been sought or prescribed or any chronic, ongoing condition that has been medically documented prior to purchasing your policy.
Conditions that are automatically covered for free in Student Flights Travel Insurance plans include conditions such as:
Hypertension and ulcers
All subject to certain conditions outlined in the policies.
Conditions which cannot be covered under any circumstances include conditions involving the back or neck, drug or alcohol dependency or for which you are travelling to seek medical treatment or travelling against the advice of a doctor.
Conditions that need to be assessed by the insurer include heart or lung conditions, reduced immunity as a result of medical treatment and pregnancy in certain circumstances.
The process for calculating and paying a claim with Student Flights Travel Insurance is similar to that followed by most travel insurance brands. The benefit is payable when an insured event occurs during the period of insurance and once the claim is accepted by the insurer.
The amount payable at that time will depend on a number of factors such as:
The amount of loss, damage or liability incurred
The excess selected at the time of taking out the policy
The maximum benefit limits and sub-limits that apply
Reasonable depreciation of the items being claimed for
The terms and conditions of the policy.
A typical example of how a claim is calculated would be as follows:
Your new camera costing $4,000 is stolen
You have chosen to pay no excess
You have not paid to increase the standard limit per item
The camera is new, so depreciation does not apply
The maximum item limit payable for cameras is $3,500
Student Flights Travel Insurance general exclusions
All travel insurance policies have restrictions regarding pre-existing medical conditions, similar to those described above, and they also have other exclusions or circumstances in which cover is not available. In the case of Student Flights Travel Insurance, the exclusions listed in the Product Disclosure Statement include:
Claims for costs incurred outside the period of insurance
Claims involving air travel other than as a passenger on a fully licensed passenger aircraft
Claims arising out of war, invasion, insurrection or military coups
Claims arising from nuclear reaction, contamination or radioactivity
Loss or damage of goods caused by official detention, confiscation or destruction
Claims arising from any unlawful act committed by the insured
Claims arising from government prohibition, regulation or intervention
Claims relating to travel taken against the advice of a medical adviser or after a terminal illness had been diagnosed
Any claims where you have failed to take reasonable care
Claims arising from pregnancy complications or medically assisted conception
Claims involving suicide, attempted suicide, self-inflicted injury, the transmission of a sexually transmitted disease or while under the influence of drugs or alcohol
Claims arising from anxiety, depression or mental or nervous disorders
Claims involving participation in hunting; racing, polo playing, hang gliding, snow skiing, snowboarding, rodeo riding, base jumping, motocross, freestyle BMX riding, running with the bulls, professional sports, mountaineering and scuba diving, unless with a qualified instructor or with an open water diving certificate
Claims involving consequential loss, such as loss of enjoyment
Any GST liability or penalty due to failure to disclose your input tax credit entitlement for the amount payable
Losses for which insurance is prohibited by law
Claims arising from complications following elective surgery
Claims involving travel in international waters in a private sailing vessel or privately registered vessel
Claims arising from the failure of a travel agent, tour operator, accommodation provider, airline or car rental agency to provide services due to insolvency
The take out from this guide should be that Student Flights Travel Insurance provides comprehensive cover for a range of possible events and is ideal for the young and more adventurous among us who appreciate the flexibility and additional cover options such insurance offers. And when it comes at an affordable price as well, it’s a win-win situation for everyone.
Whether you travel once a year for a holiday or enjoy frequent trips around the world, you want affordable cover with options that fit your travel style. Travelsure is a annual and single trip cover solution designed for those who need flexibility. Read more.
Defence Health Insurance is a travel insurance designed specifically for ADF members, employees and their respective families. Read about what the insurance policy covers as well as what features exist on the finder.com.au review.
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